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AB Cof Life Insurang

When in Need

By the late CHARLES E WILLARD.

of

Paper Ring up 1995 John

This book, by the late Mr. Willard, forinei President of the Provident Savings Life Assuran Society, proved so popular among life insuran men that it has passed through four editions. the current edition (the fourth) the work has be enlarged and improved, several new chapters ha ing been added, considerably increasing its valu The ABC OF LIFE INSURANCE illustrates the el mentary principles of life insurance so clearly th they are readily comprehended by those who ha not made them a study; and the explanations au examples are such that an agent can, by their us easily convince any reasonable man that the fou dations upon which the business is built are acc rate and logical. Every agent should possess copy of this valuable aid. This edition is sold : the same price as earlier editions, viz.:

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KINDLY ADDRESS “BOOKBINDERCARE OF THE SPECTATOR COMPANY 95

WILLIAM STREET, NEW YORK

THE

Mutual Benefit Life

INSURANCE COMPANY

NEWARK, NEW JERSEY.

FREDERICK FRELINGHUYSEN, PRESIDENT.

THE LEADING ANNUAL DIVIDEND

COMPANY Has During the Past Fifty-Nine Years Paid to Policyholders Over

$210,000,000.00

Assets, $90,000,000.00

Surplus, $7,000,000.00

NO COMPANY HAS EVER ACCOMPLISHED BETTER RESULTS

FOR ITS POLICYHOLDERS.

THE THIRTEENTH (1904) ANNUAL EDITION

-OF

THE HANDY GUIDE

To Premium Rates, Applications and Policies

-OFAMERICAN LIFE INSURANCE COMPANIES.

THE HANDY GUIDE shows all the leading forms of policies issued by the various life insurance companies, with their conditions and the application warranties, with special attention to recent new forms. Premium rates in almost endless variety are given, covering participating and non-participating life, endowment and term contracts, also annuities and industrial insurance. Loan and surrender values, showing cash, paid-up and extended insurance options, are shown in detail and in most convenient shape. Tontine and Deferred Dividend Estimates and Results, together with other valuable information regarding the contracts of the companies, are also given.

Three supplements are issued in July, October and December. Price to Handy Guide subscribers, 75 cents for the three.

Flexible Leather

PRICE (Handsomely Bound in) $2.00, With Supplements, $2.75 Address all orders to THE SPECTATOR COMPANY, 95 William St., New York.

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COMPARATIVE STATEMENT, SHOWING THE PROGRESS OF THE
ASSOCIATION SINCE IT COMMENCED BUSINESS, OCTOBER 29, 1898,

WITH THE FOLLOWING RESULT TO DECEMBER 31, 1903:
DATE

ASSETS

SURPLUS Dec. 31, 1898

$1,963.12

$1,963.12 Dec. 31, 1899

60,609.08

10,609.08 Dec. 31, 1900

100,382.94

47,987.34 Dec. 31, 1901

139,471.39 68,359,46

90,216.87

Dec. 31, 1902 200,000.00
Dec. 31,'03 226,046.94 121,343.74

The Contract that is being offered by The State Mutual Life and Annuity Association will do for you what you are trying to do for yourself:

It provides an income during your old age.
Protects your widow during widowhood.
Your children during minority.

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For further information, write

C. R. PORTER, Vice-Pres. and Gen'l Manager

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Insurance on Personal Effects of Tourists and temporary
Sojourners anywhere in U. S., Canada and Mexico.
Insurance against Fire, Lightning, Windstorm or Tor-
nado, Inland Transportation Risks out se se este site
Indemnity for loss of Rental Income by fire or lightning

THE HOME has an extensive, well organized field staff of Competent and

Experienced General, State and Special Agents resident in the various States of the U. S., and Canada and Mexico, ensuring prompt response and capable attention to the requirements of its local agents and the insuring public, and affording immediate service for the adjustment and settlement of loss claims.

ELBRIDGE G. SNOW, President
EMANUEL H. A. CORREA, Vice-President AREUNAH M. BURTIS, Secretary
FREDERIC C. BUSWELL, Vice-President WILLIAM H. CHENEY, Secretary
CLARENCE A. LUDLUM, Ass't Secretary

HENRY J. FERRIS, Ass't Secretary

CALCULATING MACHINES

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TATE'S ARITHMOMETER. This machine is generally regarded as being the most complete and practical one yet produced. is thoroughly reliable, stands the hardest kind of work without derangement, and is so well made

a practically never require repairs. Tate Arithmometer is in use by actr ies and mathematicians in all parts the world, and is universally ca mended by them after long and sev tests. This instrument is made in t sizes, a cut of the 16-figure product 1 chine being shown herewith.

Among the many testimonials ceived showing the efficiency of Arithmometer, we produce one of

latest from Mr. Henry D. Smidt, Un VIXED LATE

Colonial Secretary at Cape Town:

“I wish to state that the Arithmor ter supplied this department in 1890 1 proved to be wholly satisfactory. venture to say that it has been in my constant use and has done more wo than any instrument used for a 11 period. It has been in constant use 1

all statistical, actuarial and other G& ernment purposes, and I have never known it to fail in a single instance to the slightest extent. It h remained in perfect adjustment and is still in as perfect condition as it was when first received here.

PRICES OF TATE'S ARITHMOMETER.
Machine giving 16 figures in product,

$350.
12

30 0. THE ODHNER CALCULATING MACHINE. The “Odhner" is very simple in construction, substantially made, compactly put together, and is absolutely accurate. The illustration herewith gives an excellent idea of its appearance. The “Odhner" is well known in Europe, many hundreds of them being used in Russia, Germany, France, Holland, England and elsewhere with the greatest satisfaction, as is shown by testimonials given the manufacturers. The “Odhner" will work any combination of figures, however complicated, with the

0 0.0 3 3 0 0 0 0 2553 713 275 greatest facility and with perfect accuracy. PRICES OF THE ODHNER.

THE SPECTATOR CO. AGENTS. "A"-15 figures in product,

$160.

130. Special (to order) 18 figures in product, 190. Size "A" is mostly used by insurance companies.

THE BRUNSVIGA CALCULATING MACHINE, The Brunsviga is manufactured in Germany, based on the Odhner patents. The above cut of th Odhner is, therefore, a fair representation of the Brunsviga. The following are some recent improve ments in the Brunsviga machine : The handle cannot be turned until the catch or spring in the slid (or lower portion of machine) is in its proper position. 2. The handle cannot be turned when the winge nut on the right is not in its proper position. 3. The slide (or lower portion of the machine)

cannot b moved when the handle is not in proper position. 4 The slide must be returned to the extreme let before the figures in same can be cancelled. The Brunsviga is supplied with an extension handle and bell indicating when the capacity of the machine is reached.

PRICES OF THB BRUNSVIGA.
Size “A” with 9 numerals for the basis of calculations, 10 numerals in the

small and 18 numerals in the large (or product) numerical box. Price, $200.
Size “B” with o numerals for the basis of calcularlons, 8 numerals in the

small and 13 numerals in the large (or product) numerical box. Price, 160.
THE FRENCH ARITHMOMETRE.

(By THOMAS DE COLMAR). This is the original Arithmoinetre as invented by Thomas de Colmar, and is still being manulactures in France. Many

actuaries and other mathematicians use this machine.

PRICES OF THE FRENCH ARITHMOMETRE:
12-Figure Machine,

$160.
16-Figure Machine,
20-Figure Machine,

250. THE MILLIONAIRE CALCULATING MACHINE. This is a Swiss multiplying and dividing machine which has lately come into the market, and is pronounced to be a high-grade and valuable machine by those who have thus far used it. The price of the 16-Figure Millionaire is $400. The Spectator Company will be pleased to receive and fill orders for this machine, as well as the other four makes of machines enumerated above.

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200,

THE SPECTATOR CO., 95 William St.

, New York.

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