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ESTABLISHED 1871

Life Insurance Co.

of Virginia,

PREMIUM

INCOME.
1887-$ 99,566,00
1888-$127.049.00

1889- $ 151.547.00
1890-$234.547.00
1891-$395.447.67.
1892-$475.520.24
1893-$546.151.15
1894-$ 551.794.51
1895-$591.380.56
1896-$712.931.92
1897-$ 752.214.87
1898-$ 852.409.03
1899-$

937.900.79
1900-$ 1.087.272.02

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RICHMOND, VA.

Gross Income, 1903

$1,570,359.51

J. G. WALKER,

PRESIDENT T. WM. PEMBERTON

First Vice-President

J. W. PEGRAM,

Second Vice-President

1901-$ 1.151.662.87 1902-$ 1.339.214.13 1903-$1.510.293.80 SEVENTEEN YEARS GROWTH PRACTICAL LESSONS IN ACTUARIAL SCIENCE

W. L. T. ROGERSON

Secretary

BY MILES MENANDER DAWSON,

...CONSULTING ACTUARY, THE SIMPLEST, MOST COMPREHENSIVE, AND MOST

PRACTICAL ELEMENTARY ACTUARIAL TEXT-BOOK ever published. It comprises 500 pages, of which 804 is text and the remainder tables.

Perhaps Mr. Dawson's best qualification to write such a book is his ability to "popularize" or simplify matters which are abstrase by nature, and likely to become more difficult if dealt with in too technical language It is this quality of simplicity, rather than anything strikingly new, original or advanced, that the work contains which will make it useful.

One of the

strongest recommendations of the book is that, thronghout, the notation which has been adopted for universal use by the International Congress of Actuaries has been employed. The reader may thus pass to the Institute of Actuaries' Text-Book for more advanced study, without being confused by change of symbols. This is the first American book to conform to this notation. A table of alternative symbols is given. The

text of the book comprises more than 300 pages, although each subject is condensed to the least spece that will answer to make the subject clear. Next follow 200 pages of

STANDARD TABLES, comprising all the standard mortality tables of the world, whenever, wherever, and for whatever purpose employed. No such compilation has ever before been attempted.

Accompanying all the tables which are used for computations are commutation columns at 4 per cent and 8 per cent., in most casee also at 34 per cent., in many at 443 per cent. and in two at 5 per cent. Some of them have been compated for this book; others have never before been published. Each table is preceded by an introduction, telling its origin and its uses.

PRACTICAL LESSONS IN ACTUARIAL SCIENCE is printed on heavy calendered paper, with wide margins, for parposes of notation, and is substantially and elegantly bound. Sent postpaid on receipt of price, $6.00.

WRITE FOR DESCRIPTIVE CIRCULAR.

THE SPECTATOR COMPANY, Publishers

,

95 WILLIAM STREET,

NEW YORK.

THE ELEMENTS OF
THE THEORY OF
PROBABILITIES

By T. E. STREETER
Author of Solutions to Questions Set at examination

should be adapted to your circum(PART I) of the Institute of Actuaries.

stances, age and occupation. Elements of the Theory of Probabilities If you need to emphasize Protection covers in a condensed and scientific manner you will buy a Life Policy. the treatment of this subject required for examination, Part I of the Institute of Actu-TIf you wish to combine Savings and aries. All superfluous matter has been eliminated, and no other publication deals investment with insurance, you will with the same subject matter so briefly and buy an Endowment Policy. directly. Price, $1.00 per copy.

If you are advanced in years and

wish to be relieved from financial care, A COURSE OF

you will buy an Annuity Contract, GRADUATED PAPERS

assuring you an annual income for for candidates preparing for the above examination, by the same author. Price, $1.00.

life.

If you are undecided as to the kind THE SPECTATOR COMPANY, 95 Wil- of policy, or if you do not feel able to liam Street, New York, are sole selling carry the kind you think you want, the agents for the United States and Canada for the above works.

The Connecticut Penn Mutual
General Life
Insurance Company
Hartford, Connecticut This contract enables you to start

has a Low Premium Policy well suited to your case.

your insurance now, and to have your payments credited on any other Policy you may wish to select later—the premium rate of the new Policy to be

that of your present age. OFFICERS:

For particulars, call upon or address
Robert W. Huntington, Jr., President
P. H. Woodward,

Vice-President
James A. Turnbull,
Edward B. Peck, Assistant Secretary
George E. Bulkley,

Actuary
William W. Knight, M.D., Medical Advisor 921, 923 and 925 Chestnut Street
Frank C. Griswold, Sup’e of Agencies Philadelphia, Pennsylvania

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Secretary Penn Mutual Life

$25,000 Securities Deposited with the State Treasurer
of Virginia for the Benefit of its Membership at Large

American Guild

A Fraternal Beneficiary Order, based
upon Sound Business Principles

Chartered by Special Act of the Legislature of Virginia in 1890. Economically and Efficiently Administered by Men of the Highest Standing and Integrity

MORTUARY AND DISABILITY BENEFITS
$500 to $5,000 Protection to Family in case of Death or a Desirable

Provision for Self.
$250 to $2,500 in case of Permanent and Total Disability.

$1.25 to $12.50 per week in time of Sickness. Ghapters in Every Section of the Gountry

DAILY IMGREASING IN MEMBERSHIP
Desirable Openings for Competent Organizers. Por particulars address

S. GALESKI, Supreme Sec'y, Richmond, Va.

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This old Company issues a very short and comprehensive Policy, free of petty restrictions, and liberal in its terms and conditions.

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Abstract of the Fifty-sixth Annual Statement The Georgia Home Insurance Co.

OF THE

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COLUMBUS, QA.
Cash Capital

$300,000.00 Assets

962,636.99 Net Surplus

318,241.99 SURPLUS TO POLICYHOLDERS

618,241.99
OFFICERS
RHODES BROWNE, President.
J. 1. WoNMLL, Vice-President.
WI. C WART, Secretary.
DAXA BLACKYAR, Asst. Secretary.

J. O. MONULTY, Transurur.

ASSETS
Cash in National Banks....

60,246.30 Cash in hands of Agents and others.. 77,629.92 United States Registered Bonds..

64.792.19 State, Municipal and Industrial Bonds 121.786.03 National Bank Stocks...

48,200.00 Cotton Manufacturing Stocks..

203.882.00 Other Local Stocks.

16 250.00 Real Estate (unencumbered).

138,925.00 Loans secured by First Mortgages, etc, 221,575.55 Total Assets......

-S862,636.99
LIABILITIES
Capital Stock

$300,000.00 Re Insurance Reserve.

296,274.28 Unadjusted Losses.

46,207.78 All other Liabilities..

2,912.94 Total Liabilities.

644,395.00 Net Surplus ......

318,241.99 $962,636.99

ASSETS NET SURPLUS January 1, 1895. $ 864,878.47 $ 43,570.99 January 1, 1896. 1,016,282.22 102,164,45 January 1, 1897. 1,042,487,51 110,178.16 January 1, 1898... 1,046,010.52 103,125.46 January 1, 1899.. 1,079,742.33 121,466.54 January 1, 1900.... 1,088.225.16 134,821.91 January 1, 1901. 1,118,486 00 149,781.08 January 1, 1902.... 1,250,083 40 190,141.72 January 1, 1903. 1,276,407.22 215,171.72

January 1, 1904.... 1,412,987.20 267,749.48 Total losses pald, over.. $11,000,000.00

• ANDREW M. SWEENEY, President.

WILBUR S. WYNN, Secretary and Actuary.
SAM'L QUINN, Vice-President and Supt. of Agents. CHARLES F. COFFIN, 2nd V.-P. and Gen. Counsel,
ALLISON MAXWELL, M. D., Medical Director.

WALTER HOWE, Cashier.
C. B. MOCULLOCH, M. D., Medical Director.

THE STATE LIFE INSURANCE

COMPANY

INDIANAPOLIS, INDIANA
Deposited with the Indiana Insurance Department,

$1,900,000

COMPARATIVE GROWTH
Insurance in Force
Admitted Assets Reserve and all other Admitted

Liabilities

Surplus
1895.
$3,648,300

$18,300
$16,866

$2,433
1896.
$7,869,800

$68, 770
$46,483

$13,287
1897.
$11,885,600

$160,891
$88,276

$62, 615 1898. $17,049,000

$259,645
$162,037

$107,608 1899.... $22,208,470

$417,781
$256,246

$161,534 1900.... $28,339,877

$671,370
$409,594

$261,775 1901.... $33,615,656 $1,015,072 $699,418 $315,654

$39,541,688 $1,527,036 $1,176,250 $350, 786

1902...

1903.... $49,713,796 $2,205,636 $1,815,059 $390,577

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