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JUST ISSUED
Premium Rates of American Life Insurance Companies

A Work of 200 pages, embracing the various Premium Rates of 76 American and Canadian

Life Insurance Companies. The Spectator Company announces the publication of the 1904 edition of the handy pocket-work bearing the above title. Its principal feature is the annual premium rates per $1,000 of insurance on all the leading forms of policies of seventy-six regular life insurance companies operating in the United States and Canada. The rates are so arranged as to meet the requirements of agents and others connected with or interested in life insurance, who may desire to compare the rates charged by various companies on uniform styles of policies.

By means of flaps attached to the covers comparison of the rates for the more common forms of policy can be made instantly by the agent of any particular company with those of another company,

The new features in the edition for 1903 have been retained, and a table is given showing the principal items of the annual statements of the companies for each of the past three years; another table shows the ratio of dividends to premiums for the ten years ending with 1903, while tables showing dividend settlements under accumulation policies, premiums on intermediate and industrial policies aid in making this a most complete pocket compendium of information regarding premiums, dividends and financial standing. Agents will find this work an indispensable aid in their daily work.

The work is uniform with The Handy Guide to Premium Rates, Applications and Policies and Analysis of Policy Conditions. It is printed in the same handsome style and bound in flexible leather covers.

Prices: Single copies, 75c.; 100 copies, $60.

Premium Rates and Policy Gonditions. This work is a combination of the two separate books, " Premium Rates" and "Analysis of Policy

Conditions," the price of each of which is 75 cents. This publication for 1904, combines an extensive compilation of premium rates, annual statements of companies, ratios of dividends and surplus earned to premiums, tables of dividend settlements and other information, with an analysis of the policy conditions of the several companies.

PREMIUM RATES AND POLICY CONDITIONS will be found a veritable multum in parvo publication, with the data arranged in most convenient form for instantaneous reference. Flaps attached to each cover enable the representative of any particular company to immediately compare the premium rates or other policy conditions of his own company with those of any other, a feature which is productive of much time saving.

This work is uniform with The Handy Guide to Premium Rates, Applications and Policies. (which publication gives full copies of the policy contracts and a vast amount of additional information), is printed in the same handsome style, on the same quality of thin paper and bound in flexible leather

Price of “Premium Rates and Policy Conditions,” Per Copy, 81; 100 Copies, 00.

Address all orders to THE SPECTATOR COMPANY Telephone 331 John.

95 William Street, New York

covers.

For thirty-one years The INSURANCE YEAR Book has appeared annually, expanding year by year with the growth of the insurance business, and adding new features to its mass of information as the conditions demanded. The publishers, therefore take pride in presenting the thirty-second annual edition, and in acknowledging the widespread recognition that has been accorded this publication, both in this country and abroad. Its present development is the result of a series of evolutions, similar to those through which the insurance business itself has passed. A complete series of The INSURANCE YEAR Book is a history of the development of life, fire and miscellaneous insurance in this country during the past third of a century.

The 1904 edition of the YEAR Book is issued in two volumes as heretofore, one being devoted to LIFE, CASUALTY and MISCELLANEOUS INSURANCE, and the other to FIRE and MARINE INSURANCE. Each volume contains the standard statistics regarding companies and their transactions that are necessary to perfect their history from year to year. These statistics are brought forward to include their transactions to December 31, 1903. The statistical tables are compiled from official data, the annual reports to the New York Insurance Department being used for those companies doing business in that State; for other companies the official data has been secured from the department reports of the States wherein they do business, or from other official sources. The utmost care has been taken to make these compilations complete and accurate.

The department relating to "Fire Departments and Water Supply," comprising about 500 pages, which was omitted from the Year Book for 1903, for the reason that it had grown to such proportions as to make the volume too bulky, is now restored to the Year Book, and is more complete than ever before. It contains statistics showing the water supply and means for fire protection in upwards of four thousand cities and villages, the data having been brought down to date. These statistics are the result of more than twenty-five years' experience in obtaining information and compiling the same, and from the fullest and most complete statement regarding the fire protective equipment of the numerous places that has ever been compiled.

Attention is invited to the list of prominent agents, which contains the names of over 40,000 persons representing, insurance interests in various parts of the country. The abbreviations following the name in each case indicate the branches of insurance prosecuted by the agent. This is the most complete list of agents ever published, and will be found to be of great value to managers of companies.

To mention here the many special features of THE YEAR BOOK would be to duplicate the very complete Index that will be found on other pages.

We beg to acknowledge our obligation to all who have so kindly rendered us assistance in obtaining data for The YEAR Book. Our thanks are especially due to the heads of Insurance Departments of the various States for their courtesy and promptness in furnishing us with desired information.

THE SPECTATOR COMPANY. New YORK, June 20, 1904.

GERMANIA FIRE INSURANCE COMPANY 62 and 64 WILLIAM STREET, cor. Cedar Street

NEW YORK

ORGANIZED 1859

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1851 - 1904

Williamsburgh City The Phoenix Mutual Life Insurance Company Fire Insurance Co.

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METROPOLITAN Lise Insurance Company

The Company Of the People, BY the People, FOR the People.

SIGNIFICANT FACTS This Company's Policy-claims paid in 1903 averaged in number one for each minute and a third

of each business day of 8 hours each, and, in amount, $89.00 a minute the year through.

THE DAILY AVERAGE OF THE COMPANY'S BUSINESS DURING 1903:

359 PER DAY IN NUMBER OF CLAIMS PAID. 6,297 PER DAY IN NUMBER OF POLICIES ISSUED.

$1,303,559.06 PER DAY IN NEW INSURANCE WRITTEN. $98,582.76 PER DAY IN PAYMENTS TO POLICY-HOLDERS AND

ADDITION TO RESERVE.
$63,841.18 PER DAY IN INCREASE OF ASSETS.

PROOF OF PUBLIC CONFIDENCE This Company has more premium-paying business in force in the United States than any other Company, and for each of the last 10 years has had more New Insurances accepted and issued in America than any other Company.

The number of Policies in force is greater than that of any other Company in America, greater than all the Regular Life Insurance Companies put together (less one) and can only be appreciated by comparison. It is a greater number than the Combined Population of Greater New York, Chicago, Philadelphia, Boston and St. Louis.

Paid to Policyholders since Organization, plus the

Amount now invested for their Security. $238,295,968.84
Number of Policies in Force.....

7,523,916
Amount of Outstanding Insurance..

-$1,342,381,457.00 Amount of Insurance Issued in 1903...

$398.889,074.00

In its Ordinary Department policies are issued for from $1,000 to $1.000.000 on individual lives, premiums payable annually, semi-annually and quarterly. In its Industrial Depart. ment policies are issued on all the insurable members of the family for weekly premiums.

Full particulars regarding the plans of the Metropolitan may be obtained at its Home Office, or of its Agents in all the Principal Cities of the United States and Canada.

Permanent, Profitable and Progressive Employment. AGENTS WANTED.-Any honest, capable, industrious man, who is willing to begin at the bottom and acquire a complete knowledge of the details of the business by diligent study and practical experience, can, by demonstrating his capacity, establish his claim to the highest position in the field. It is within his certain reach. The opportunities for merited advancement are unlimited. All needed explanations will be furnished upon application to the Company's Superintendents in any of the principal cities, or to the

HOME OFFICE

1 MADISON AVENUE

NEW YORK CITY

THE FIDELITY AND CASUALTY CO.

1876

1904

OF NEW YORK
Principal Office, Nos. 97-103 Cedar Street, N. Y.

Fidelity Bonds
Employers' Liability
Personal Accident
Health
Steam Boiler
Plate Glass
Burglary, Fly Wheel
Bonded List

THIS

Company has AGE AND EXPERIENCE; it has been

twenty-eight years in business, and its premiums exceed $5,000,000.00 a year. It has FINANCIAL STRENGTH; its capital, reserves and suplus amount to over $5,800,000.00. Its INVESTMENTS have been carefully made; every item, in fact, is gilt-edged. It is practically MÚTUAL ; its stockholders take no dividends excepting out of interest earnings. It claims to DEAL JUSTLY; its policyholders in every part of the land will answer on this point.

Must it not be a good Company to Insure with ?

DUMONT CLARKE
WM. P. DIXON
A. B. HULL
ALFRED W. HOYT
GEO. E. IDE

...DIREGTORS...
W. EMLEN ROOSEVELT
W. G. LOW
J. G. McCULLOUGH
WM. J. MATHESON
ALEXANDER E. ORR

HENRY E. PIERREPONT
GEO. F. SEWARD
ANTON A. RAVEN
JOHN L. RIKER

GEO. E. SEWARD, President

HENRY CROSSLEY, First Assistant Secretary ROBT. J. HILLAS, Vice-President-Secretary

FRANK E. LAW, Second Assistant-Secretary
EDWARD C. LUNT, Third Assistant Secretary
AGENGIES IN ALL GONSIDERABLE TOWNS

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