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Entered, according to Act of Congress, in the year 1904, by THE SPECTATOR COMPANY, in the office of

the Librarian of Congress, at Washington, D. C.

PUBLIC LIBSARY 41187A

ASTOR, LENOX AND TILDEN FOUNDATIONS

R 1929 L

[graphic]

Bandier: Lige Nisurance Comp..

of the City of Newyork. Fosta M. 'Voorhees',

ciu Issues the more liberal policies, Offers the beseriniwal contracts to Clozinks og

Agents of Sawise Nesponsibility

For particulars apply Home Office,

3X S.N.C. City

་་་་

C. H. BUNKER, President FRANKLIN H. HEAD, Vice-President A. A. SMITH, Secretary

H. G. B. ALEXANDER, 2d Vice-Pres. and Gen. Mgr.

Continental Casualty Co.

CAPITAL STOCK, $300,000.00

General Offices:

134 Monroe Street,

Chicago

POLICIES ARE PROTECTED by ONE MILLION AND A HALF DOLLARS ASSETS OVER FIVE MILLION DOLLARS Paid in Claims to 175,000 of our Policyholders

Good Contracts in good territory to good men. Producers, Address H. G. B. ALEXANDER, 2d Vice-President and General Manager, 134 Monroe Street, Chicago

TABLE OF CONTENTS.

124

..36, 89

PAGE.

Accident and Sick Benefit Companies, Assess-

ment:

Directory of

628-630

Statistics of

680-686

Statutory Requirements..

88-105

Accident Insurance Companies of

Austria

124

Balkan States

124
Belgium and Holland.

124

Canada

.154-156

France

Germany

125

Great Britain

113

Italy

125

Russia

126

Scandinavia

126
Spain

126
Switzerland

126

United States,

170-176, 272, 398-416, 418-428, 429-474

Actuarial Societies of Great Britain. 114-116
Actuaries, List of...

687
Addenda

694

Additional Notes from the Statutes... .34-85

Alabama:

Life Insurance in...

475

Miscellaneous Insurance in.

429

Statutory Requirements

.33, 88

Algeria, Life Insurance in..

127

American Life Insurance Companies:

Analysis of the Assets of..

277

Business by States of.....

475-496

Directors and Trustees of...

.165-176

Dividends to Stockholders of... 287-289

Financial Standing and Business in 1902.274-276

History

300-397

In Canada

135-168

Industrial Insurance of..

290-292

Insurance in Force

293

Interest Earned by, Rate of..

295

In the Hands of Receivers..

271

Lapse, Terminations by..

298

Liabilities of

281

New Business of

286

Officers of

.300-397

Payments to Policyholders in 20 years of.. 284

Policies Issued and Terminated of.. 283

Retired

269

Statistics for Forty-five Years.

278-280

Statistics from Organization of..... 300-397

Surrender, Terminations by......

298

Synopsis for Thirty Years..

294

American Miscellaneous Insurance Companies:

Business by States of...

429-474

Directors and Trustees of.

.170-176

Dividends of

272

Field Men of

176-184

Officers of

398-416

Retired

271

Statistics of

.398-416

In Canada

154-156

Analysis of the Assets of Life Companies.. 277

Annuity Business in 1902-1903 British Life In-

surance and

110

Arabia, Life Insurance in..

127

Argentine, Life Insurance in,

127

Arizona:

Life Insurance in ....

475

Miscellaneous Insurance in.

430

Statutory Requirements

.34, 88

Arkansas:

Life Insurance in....

475

Miscellaneous Insurance in.

430

Statutory Requirements

.35, 88

Ancient Order of United Workmen

603

Assessment Companies:

Directory of

.610-631

Statistics of

632-486

Statutory Requirements

.88-105

Assets of Life Companies, Analysis of the..... 277

PAGE.

Assets, Policies and Claims of Life Companies

in Canada

.141-154

Attorneys and Counsellors, Insurance.

....A-173

Australasian Life Insurance Returns.

133

Austria, Accident Insurance Companies in.... 124

Austria, Life Insurance Companies in.

120

Authority in Insurance Matters, State Officials

Having

134

Bahama Islands, Life Insurance in.:

127

Balkan States, Accident Insurance in.

124

Balkan States, Life Insurance Companies..... 120

Barbados, Life Insurance in....

127

Belgium, Accident Insurance Companies in.... 124

Belgium, Life Insurance Companies in.. 120

Bermuda, Life Insurance in..

127

Bolivia, Life Insurance in

127

Brazil, Life Insurance in..

127

British and American Miscellaneous Com-
panies in Canada

.157-158

British Life Offices, Total Sums Insured and

Funds of

117

British Life Offices, Interest of.

118

British Guiana, Life Insurance in.

128

British Honduras, Life Insurance in..

128

British Life Companies in Canada.. .147-150

British Life and Annuity Business in 1902-

1903

110

Business of Canadian Life Companies. .135-141

Business in 1903 of United States Life Com-

panies, Financial Standing and... 274-276

California:

Life Insurance in.......

476

Miscellaneous Insurance in.

430

Statutory Requirements

Canada:

Assets, Policies and Claims of Life Com.

panies in

.141-146

British and American Miscellaneous Com-
panies in

157-158

British Life Companies

.147-150

Insurance in

.135-159

Life Insurance in.

496

Miscellaneous Insurance in.

472

Statutory Requirements

.86-106, 135

United States Companies.. .150-154, 157, 158

Canadian Insurance Officials..

134

Canadian Life Companies, Business and Stand-

ing of

136-141

Canada, List of Life, Fire and Miscellaneus

Insurance Companies Licensed to do Busi-

ness

... 159

Canadian Miscellaneous Companies.. 154-156

Canary Islands, Life Insurance in.

128

Cape Colony, Life Insurance in

128

Casualty Insurance in Great Britain

113

Chili, Life Insurance in

128

China, Life Insurance in

128

Columbia, Life Insurance in..

128

Colorado:

Life Insurance in

477

Miscellaneous Insurance in

432

Statutory Requirements

..37, 89

Companies in the Hands of Receivers.

271

Compendium of Life Insurance Reports....499-606

Connecticut.

Life Insurance in..

477

Miscellaneous Insurance in..

432

Statutory Requirements

38, 89

Costa Rica, Life Insurance in.

128

Counsellors, Insurance Attorney and. A-173

Credit Companies in the United States. 404

Cuba, Life Insurance in

128

Danish Life Insurance Companies.

123

Delaware:

Life Insurance in

476

Miscellaneous Insurance in.

434

Statutory Requirements

.39, 90

Deposits of Companies Doing Business in

Canada

159

Directors and Trustees of United States Life

Insurance Companies

165-170

PAGE.

Directors and Trustees of United States Mis-

cellaneous Insurance Companies.........170-176
Directory of Life and Miscellaneous Com-
panies in Great Britain

106-109
Directory of Assessment and Fraternal Or.
ganizations

.610-631

District of Columbia:

Life Insurance in

477

Miscellaneous Insurance in.

435

Statutory Requirements.

.40, 90

Dividends to Stockholders of Life Insurance

Companies

287-289

Dividends of United States Casualty and Mis-
cellaneous Insuraice Companies.

272

Dutch Life Insurance Companies.

121

Egypt, Life Insurance in.

129

European Casualty Insurance Business in 1902,

Synopsis of

124-126

European Life Insurance in 1902, Synopsis..120-123

Expense Rate Per Cent of Mean Insurance in

Force, The

296

Failed or Retired Life Companies of United

States

269.

Fidelity. Companies in the United States. 405-409
Field Men of Miscellaneous Ins. Cos......176-184
Fiji Islands, Life Insurance in..

132
Financial Standing and Business in 1903, of
United States Life Companies...

274-276

Florida:

Life Insurance in

478

Miscellaneous Insurance in

436

Statutory Requirements

.42, 90

Foreign Business of American Life Com-

panies

600

Foreign Companies, Statistics of.

.120-126

Forty-five Years, Life Insurance for.. 278-280

France, Accident Insurance Companies in.... 124

France, Life Insurance Companies in.... 121

Fraternal Orders:

Directory of

612-626

Statistics of

639-675

Statutory Requirements

.88-105

Funds of British Life Offices, Total Sums In-
sured and

117
Gain and Loss Exhibit, 1903.

...604-607

General and Special Agents of Miscellaneous

Insurance Companies in the United

States

176-184

Georgia:

Life Insurance in....

479

Miscellaneous Insurance in..

437

Statutory Requirements

German Accident Insurance Companies. 125

German Life Insurance Companies..

121
Gibraltar, Life Insurance in...

129

Great Britain:

Actuarial Societies of

114-116

Casualty Insurance in

113

Directory of Life and Miscellaneous Com.

panies in

106-109

Foreign Companies in

111

Industrial Insurance in

112

Life Insurance and Annuity Business in

1902-1903

110

New Assurance Associations of

119

Guadeloupe, Life Insurance in.

129

Guatemala, Life Insurance in.

129

Hawaii, Life Insurance in

.129, 479

Hawaii, Miscellaneous Insurance in

437

Hawaii, Statutory Requirements.

44

Honduras, Life Insurance in...

129

Holland, Accident Insurance in..

124

Holland, Life Insurance Companies in.

120

Idaho:

Life Insurance in

478

Miscellaneous Insurance in.

437

Statutory Requirements

44, 91

Illinois :

Life Insurance in

479

Miscellaneous Insurance in.

439

Statutory Requirements

45, 91

India, Life Insurance in....

129

Indiana:

Life Insurance in

480

Miscellaneous Insurance in.

439

Statutory Requirements

46, 92

Indian Territory:

Life Insurance in

481

Miscellaneous Insurance in.

441

Industrial Insurance in Great Britain.

Industrial Insurance in the United States...290-292

PAGE,

Insurance Agents, List of..

A-3

Insurance in Canada.....

.135-159

Insurance in Force of U. S. Life Companies.. 293

Insurance Officials, Canadian...

134

Insurance Officials, United States.

134

Insurance in Foreign Countries...

127-133

Interest Earned on Mean Invested Funds,

Rate of

295

Interest of British Life Offices.

118

Investment Insurance Companies in U. S.... 410

Iowa:

Life Insurance in..

480

Miscellaneous Insurance in.

440

Statutory Requirements

.47, 93

Issued and Terminated Policies..

282

Italian Accident Insurance Companies. 125

Italian Life Insurance Companies..

122

Jamaica, Life Insurance ini.

130

Japan, Life Insurance in...

130

Java, Life Insurance in .....

130

Kansas:

Life Insurance in

481

Miscellaneous Insurance in.

442

Statutory Requirements

.48, 93

Kentucky:

Life Insurance in

482

Statutory, Requirements

.49, 93

Korea, Life Insurance in.

130

Lapses to Mean Number of Policies.

298

Lapse, Termination by.....

298

Legislatures, State and Territorial.

134

Liability Insurance-Standard Policies and Ap-
plications

185-268
Automatic Sprinkler

232
Burglary Policy Standard, Residence. 253
Burglary Policy, Standard' Mercantile.. 255
Conterence Manual

.187-207

Contractor's Contingent

225

Contractors Employers Liability Policy. 213

Contractor's Public Liability...

215

Employees Collective Policy of the Ocean

Accident

234

Elevator Liability Policy.

220

Employers and Public Vessel Liability.. 228

Employers Vessel Liability...

226

Employers Liability Policy of the American

Fidelity Company

241

Employers Liability Policy of the Casualty

Company of America

242

Employers Liability Policy of the Pacific

Coast Casualty

245

Employers Liability Policy of the Pennsyl-

vania Casualty,

247

Employers Liability Policy of the Travel-

249

Employers and Public Liability Policy of

the Casualty Company of America.... 214

Elevator Breakage Policy, Casualty Com-

pany of America

256

Endorsements for Various Forms..

256

Employers Liability Policy of the New Am-
sterdam Casualty

237
Employers Liability Policy of the General
Accident of Perth

239

General Liability

219

Liability Decisions

258

Liability Policy, General Form.

208

Manufacturers Employers Liability

209

Manufacturer's Public Liability.

211

Marine Employers

226

Marine Employers and Public..

228

Non-Conference Forms

.231-256

Fly-Wheel

252

Owner's Contingent

224

Physicians Liability

251

Riders or Endorsements

256

Rules and Instructions

187-195

Steam Boiler

231

Table of Liability Rates...

195-207

Teams Liability

217

Theater Liability Policy

222

Workmens Collective Insurance.

230

Liabilities of Life Insurance Companies, The.. 281

Life and Miscellaneous Companies in Great

Britain, Directory of

. 106-109

Life Insurance and Annuity Business in 1902-1903:

Austria

120

Balkan States

120

Belgium

120

Denmark

123

France

121

Germany

121

42, 91

ers

...... 112

PAGE.

Life Insurance Companies-Continued.

Great Britain

110

Holland

120

Italy

122

Norway

123

Russia

122

Scandinavia

122

Spain

123

Sweden

122

Switzerland

123

United States

274-276

Life Insurance by States

.475-497

Life Insurance Business in 1902, Synopsis of

European

.121-124

Life Insurance Compendium

499-606

Admitted Assets

508-511

Admitted Surplus

530

Aggregates

.591-593

All Other Assets

524

All Other Policies

Assets and Liabilities

536

Bonds Owned

515

Business of 1903.

.506-509

Cash on Hand

521

Collateral Loans

518

Combined Aggregates

592

Cost of New Business

585

Death Claims and Gross Expenses to Mean

Insurance

579

Death Claims and Gross Expenses to Total

Income

582

Death Rate

576

Deferred and Unpaid Premiums.

522

Endowment Policies

571

Expenses

of Management

548

Foreign Companies

590

Foreign Countries, Business in..

600

Gross Assets and Surplus

539

Gross Expenses to Mean Insurance in

Force

577

Gross Expenses to Total Income.

580

Income Saved

552

Increase in Aggregates,

594

Increase in Assets, Liabilities and Surplus. 533

Increase in Disbursements

551

Increase in Income

545

Insurance Gained

566

Insurance in Force

568

Insurance Terminated

.558-561
Interest and Other Income..

542

Invested Assets

525

Lapsed and Surrendered Policies.

574

List of Companies

.502-505

Mortgage Loans

513

Net Assets and Reserves..

534

Net Expenses to Total Income

583

Net or Ledger Assets

562
New Business Issued

-554-557

New Business Placed

565

Notes

499-501

Ordinary and Special Surplus..

531

Payments to Policyholders..

546

Premium Income

540

Premium Notes and Lonas to Policyholders 519

Premium Receipts Since Organization.... 601

Rate of Interest and Profits Earned. 588

Rate of Interest Realized

586

Real Estate

512

Reserves and Insurance in Force.

537

Results from Organization....

596-599

Stocks Owned

616

Surplus Earned

563

Total Disbursements

549

Total Income

543

Total Liabilities, 1902.

528

Total Liabilities, 1903.

527

Whole Life Policies

570

Life Insurance History...

.299-397

Life Insurance Payments by States, Sum-

mary of

498

Life Underwriters Associations..

...160-164

Live Stock Companies in the United States.416, 631

Live Stock Companies, Assessment:

Directory of ...

631

Louisiana:

Life Insurance in ....

483

Miscellaneous Insurance in..

443

Statutory Requirements.

..51, 94

Maine:

Life Insurance in

483

Miscellaneous Insurance in

443

Statutory Requirements

..53, 95

Managers of British Insurance Companies.. 106-109

Manaqua, Life Insurance in.....

130

Maryland:

Life Insurance in

482

Miscellaneous Insurance in.

445

Statutory Requirements ·

.54, 95

Massachusetts:

Life Insurance in

483

Miscellaneous Insurance in

446

Statutory Requirements

.54, 95

Mean Invested Funds, Rate of Int. Earned on. 295

Mexico, Life Insurance in...

130

Michigan:

Life Insurance in

484

Miscellaneous Insurance in

446

Statutory Requirements

.57, 96

Minnesota:

Life Insurance in..

485

Miscellaneous Insurance in

448

Statutory Requirements

.58, 96

Miscellaneous Companies in Canada.. .154-158

Miscellaneous Companies in Great Britain,

Directory of Life and

.106-109

Miscellaneous Cos., Statistics of Canadian..154-156

Miscellaneous Insurance Companies in the

United States

.398-416, 429-474

Miscellaneous Insurance Companies:

Business by States of....

429-474

Directors and Trustees of..

.170-176

Field Men

.176-184

Officers of

.398-416

Statistics of

398-416

Stocks and Dividends of..

272

Miscellaneous Insurance Companies Licensed

in Canada, List of Life and.

159

Mississippi:

Life Insurance in...

484

Miscellaneous Insurance in.

449

Statutory Requirements

..59, 96

Missouri:

Life Insurance in.

485

Miscellaneous Insurance in.

450

Statutory Requirements

60, 97

Montana:

Life Insurance in.......

486

Miscellaneous Insurance in.

451

Statutory Requirements

Morocco, Life Insurance in..

130

Mozambique, Life Insurance in.

130

Mutual Liability Cos. in the United States.... 416

Mutual Miscellaneous Companies in the

United States

416

Mutual Plate Glass Companies in the United

States

417

Mutual Steam Boiler Insurance Companies in

the United States..

418

Natal, Life Insurance in....

130

Nebraska:

Life Insurance in..

486

Miscellaneous Insurance in.

452
Statutory Requirements

.66, 97

Nevada:

Life Insurance in......

487

Miscellaneous Insurance in..

452

Statutory Requirements

.63, 97

New Business Issued by Life Companies... 286

New Insurance Associations of Great Britain.. 119

New Hampshire:

Life Insurance in..

486

Miscellaneous Insurance in.

453

Statutory Requirements

.64, 98

New Jersey:

Life Insurance in.......

486

Miscellaneous Insurance in.

455

Statutory Requirements

65, 98

New Mexico:

Life Insurance in...

487

Miscellaneous Insurance in.

456

Statutory Requirements

.65, 98

New Organizations

689

New York:

Life Insurance in...

488

Miscellaneous Insurance in

456

Statutory Requirements

.66, 99

North Carolina:

Life Insurance in..

489

Miscellaneous Insurance in.

457

Statutory Requirements

69, 99

North Dakota:

Life Insurance in ......

488

Miscellaneous Insurance in.

459

Statutory Requirements

. 70, 99

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