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Fraternal Life Insurance.

Security Trust and Life Stipulated Premium, Assessment and

Insurance Company Broadway and 26th St., New York Rates, Warranties, and the Plans of Operation

A valuable work for the Agents of Life Insurance Companies of all classes.

This publication shows the Policy Forns, of prominent Stipulated premium and As. sessment Life Insurance Organizations. The plans and policies of leading fraternal orders are also given and are of special value for comparison.

HON. R. e. PATTISON

President HON. GEO. B. LUPER,

ad Vice-Pres. and Gen'l Maogr.

Price of the Manual of Policies and Rates,

bound in flexible leather, $1.50.

Sterling men with enough stir and snap to secure success are wanted to sell the Company's splendid Combination, and other Policies in all unoccupied territory.

Handsomely printed and bound in convenient form for the pocket.

Sent post-paid on receipt of price.

Address

Address, MOORE SANBORN,

4th Vi-e Pes. and Manager of Agencies

THE SPECTATOR COMPANY,

95 William Street, New Yorš.

Cotabllshod, A. D., 1797

Norwich Union Fire Insurance Society

NORWICH, ENGLAND

Fire Insurance Exclusively

UNITED STATES TRUSTEES A. W. HARD, Esq.,

Of Messrs. Hard & Rand J. KENNEDY TOD, Esq.,

Of Messrs. J. Kennedy Tod & Co. W. EMLEN ROOSEVELT, Esq.,

Of Messrs. Roosevelt & Son
Head Office for the United States
Nos. 56 and 58 Pine Street, New York

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A new, up-to-date and comprehensive work which should be in the possession of every Special Agent Inspootor and Local Agent. An idea of the broad scope of this work may be obtained by a glance at th chapter titles given below, although this list gives no intimation of the numerous details

presented in the book I. Construction.

XI. Other Fire Appliances. II. Special Construction and Notes.

XII. Oils, arnishes, Benzine, etc. III. Fire Doors and Shutters.

XIII. Oily Waste and Other Spontaneously comIV. Heating.

bustible Material. V. Lighting

XIV. Waste and Rubbish. VI. Electric Light and Power Installation.

XV. Special Information. VII. Automatic Sprinkler Equipment.

XVI. Watchman and Watchman's Time Record. VIII. Steam Fire Pumps.

ing Apparatus. IX. Rotary Fire Pumps.

XVII. Miscellaneous Information and Tables. X. Reservoirs and Other Sources of Water Supply. XVIII. Hazards.

There is a copious Index which will enable the reader to locate quickly any particular item of infor. mation,

Prices of the Agents' and Inspectors' Pocket-Book of Fire Protection

(Bound in Red Russia Leather.)
$2.50

25 Copies
$24.00

50 Copies 100 Copies

$150.00

Per Copy 12 Copies

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$48.00 $90.00

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ADDRESS:

The Spectator Company, 95 William St.

, New York

1904 LIFE

INSURANCE LEAFLETS.

STATISTICAL AND OTHERWISE.

THE RATE OF INTEREST EARNED. This annual leaflet shows the rate of interest earned on mean invested funds by thirty life insurance companies for twenty successive years up to the present year. Prices, $20 per 1,000; $12 per 500; $3 per 100.

THE EXPENSB RATE. This annual leaflet shows the expense rate per cent of mean insurance in force of twenty-seven life insurance companies for twenty successive years up to the present year. Prices, $20 per 1,000; $12 per 500; $3 per 100.

The COMBINED DEATH AND EXPENSE RATE. This annual leaflet shows the combined death and expense rate per cent of mean insurance in force of twenty-seven life insurance companies for twenty successive years up to the present year. Prices, $20 per 1,000; $12 per 500; $3 per 100.

THB DEATH RATE. This annual leaflet shows the death rate per cent on mean insurance in force of thirty life insurance companies from 1882 to 1901, inclusive. Prices, $20 per 1,000; $12 per 600; $3 per 100.

THB RATE OF INTEREST AND THE DEATH RATE. This annual leaflet shows the rate of interest earned on mean invested funds with a separate table showing the death rate of the companies for twenty successive years. Prices, $30 per 1,000; $20 per 500; % per 100.

THIRTY YEARS OF LIFB INSURANCE. This annual leaflet contains a valuable tabulation showing aggregates of premiums, interest on investments, payments to policyholders

and accumulation of assets by twenty-nine companies in thirty years. Prices, $15 per 1,000; $10 per 500; $2.50 per 100

TERMINATIONS BY SURRENDER AND LAPSE. This annual leaflet shows the terminations per cent of mean policies in force by surrender and lapse in two tables. Twenty-nine companies are embraced in the tabulations which cover twenty successive years. Prices, $20 per 1,000; $12 per 500; $3 per 100.

LAPSES, DEATH LOSSES AND MEMBERSHIP IN ASSESSMENT SOCIETIES. This annual leaflet shows the number of new certificates issued, the number of certificates lapsed, the number of deaths occurring, the membership and the death rate per 1,000 lives for the first, fifth and tenth years of the preceding decade, including all assessment organizations from ten years of age. Prices, $20 per 1,000; $12 per 500; $3 per 100.

QAIN AND LOSS EXHIBIT. An eight-page leaflet showing the various items of the gain and loss exhibit as supplied by life insurance companies to the various insurance departments. Appropriate ratios are given in connection with each item and a comparative table shows the ratios for a series of years. This compilation is the best yet made dealing with this important exhibit. Prices, $20 per 1,000; $12 per 500; $ per 100.

THE DILEMMA OF FRATERNAL ORDERS. This annual leaflet contains tables showing by the official reports of a number of fraternal orders, that the cost of membership in them increases year by year, demonstrating the fact that failure must follow the continuance of their unscientific methods of insuring the lives of their members. Prices, $16 per 1,000; $10 per 500; $2.50 per 100.

FRATERNAL LIFB INSURANCE. An effective answer to the old fraternal cry, "Keep your reserve in your pocket." Prices, $15 per 1,000; $10 per 500; $2.50 per 100.

INSURANCE BUSINESS AS A PROFESSION. This little brochure should be enclosed in the envelopes of all letters and circulars addressed to agents. It serves as an excellent inspiration for agents to get business. Prices $5 per 1,000; $1.50 per 100.

LIABILITY OF MEMBERS IN ASSESSMENT INSURANCB ASSOCIATIONS, A leaflet prepared from a legal standpoint explaining by citations from court decisions the law of liability of members of benefit or assessment insurance associations. Prices, $20 per 1,000; $12 per 500; $3 per 100; $2 per 50.

INVESTMENT FEATURES OF LIFE INSURANCE. Practical business men are shrewd enough to see the advantages of insurance for investment, and large numbers of them are securing such policies. A four-page leaflet. Prices $15 per 1,000; $10 per 5: $2.50 per 100.

THE FORCE OF A GOOD EXAMPLE, Among the hundreds of thousands of persons in the United States who are patrons of life insurance, policies are carried by individual prominent business men in amounts ranging up to $1,500,000. This leaflet is devoted to an analysis of the reasons why several thousand persons, each, carry life insurance for more than $50,000. Prices, $20 per 1,000; $12 per 500; $3 per 100; $2 per 50.

PRACTICAL HINTS TO LIFB AGENTS. Within the compass of 32 pages “An Old Workman" has grouped together a mass of very useful suggestions to agents. Price, per copy, 25 cents.

some PLAIN HINTS TO LIFE INSURANCE SOLICITORS. The life insurance solicitor, whether young in the business or old in service, will profit by these twenty-nine hints. Price, 25 cents.

TOO BUSY. This leaflet is of proper size to slip into an envelope and so used freely by agents would undoubtedly prove a valuable aid in securing business. 6c. per copy; 50 copies, $1.25; 100 copies, $2; 500 copies, $7; 1,000 copies, 10; 5,000 copies, $45; 10,000 copies, $80.

UP AGAINST IT. A new leaflet in the form of a telegram, announcing the death in the almshouse of a former rich man. A valuable aid in securing new business. 'Prices, six cents per copy; $2.00 per 100; $7.00 per 500; $10.00 per 1,000.

THE UNEXPFCTED ALWAYS HAPPENS. A new leaflet of eight pages and cover. Prices, per copy, 10 cents; $2.00 per 50; $3.00 per 100; $12.00 per 500; $20.00 per 1,000.

HELLO, YOUNG MAN I A new leaflet especially addressed to young married men; very effective as a canvassing document. Prices, 6 cents per copy; $2.00 per 100; $7.00 per 500; $10.00 per 1,000.

BUSINESS WOMEN : HOW DO THEY JNVEST THEIR SAVINGS ? A new eight-page leaflet, illustrating that a life insurance policy is one of the best forms of investing money. Prices, per copy, 10 cents; $1.50 per 50; $2.50 per 100; $10.00 per 500; $15.00 per 1,000.

TRYING TIMES. Some practical suggestions for men who are wondering what's the matter with fraternal assessment insurance. A new four-page leaflet. Prices, per copy, 6 cents; $1.25 per 50; $2.00 per 100; $7.00 per 500; $10.00 per 1,000.

ARB YOU A WOMAN? If so, WHAT DO YOU DO WITH YOUR MONEY ? A new twelve-page leaflet, destined to show the advantage of life insurance as an investment. Prices, per copy, 10 cents; $3.00 per 100; $12.00 per 500; $20.00 per 1,000.

THIS MAY HAPPEN TO YOU. A handsome little brochure of thirty-two pages, especially designed for solicitors for personal accident insurance, and is well calculated to catch the eye and secure the attention of those whom the solicitor is working to insure. Object lessons are conceded to be the most effective way of imparting instructions, and here are a number of such lessons presented in attractive form that will not fail to interest whoever sees them. Prices, $10 per 100; $6 per 50; $2 per 12. Single copy, 25c.

BLANK BOOK HELPS FOR LIFE AGENTS.

The systematic life insurance agent generally turns out to be the most successful in his chosen voca. tion. For such men there are a number of helps in the way of blank books, which when properly used, prove of great service.

A new publication of The Spectator Company called “LIFE INSURANCE AGENTS' VISITS” is prepared with a view to enabling solicitors to keep a daily record of visits to prospective applicants. Space is provided for all necessary information desired in maintaining a complete record of each person solicited. A sample copy will be sent for ten cents, and in our advertising columns will be found further particulars as to prices, etc.

THE HANDY HELPER is a more elaborate work on lines similar to "Life Agents' Visits," and affords opportunity for general agents and managers to keep track of the work done by their solicitors. It can also be used by soliciting agents to keep a permanent record of their work. The book contains fifty double pages, giving room for at least one year's activities of the average agent. This work sells at $1 a copy.

THE LIFE POLICY REGISTER AND PREMIUM RECORD is a blank book designed for office use, to maintain a complete and concise_record of business done, and is an absolute indicator of dates when premium payments become due. Each double page contains the monthly expiration divisions for four years. The book is made in three sizes, affording 2500, 5000 and 7500 entries for four years or for a greater number of years if fewer policies are disposed of. Prices for No. 1, $5; No. 2, $8; No. 3, $15.

THE RECORD OF LIFE INSURANCE POLICIES is intended for the use of insured persons and enables them to keep a complete record of their life insurance policies. Even numbered pages con. tain a full description of the policy, while on the opposite pages are columns showing the date of pay. ment, amount paid, cash dividends, net cost for the year and costs to date; also the additions to the policy and the sum the policy has increased to. Sample copy will be forwarded on receipt of twenty-five cents.

Por full particulars of the above works address

THE SPECTATOR COMPANY, 95 William St., New York.

THE PUBLICATIONS OF

CHARLES & EDWIN LAYTON

THE SPECTATOR COMPANY are the sole agents in the United States for the old-established and well-known house of CHARLES & EDWIN LAYTON, London, England, whose publications on Fire, Life and Marine Insurance, Annuities, Friendly and Building Societies, etc., are among the most valuable and standard treatises on the subjects. GRADUATED EXERCISES AND EXAMPLES for the use of students of the Institute of Actuaries' Text Book, Parts I and II; with

solutions. By THOMAS G. ACKLAND, F.LA., F.S.S., and GEORGE F. HARDY. F.I A., F.S.S. Medium 8vo. Price $4. THE THEORY OF FINANCE: being a short Treatise on the Doctrine of Interest and Annuities-Certain.

By GEORGE KING, F.I.A. New Edition. Price $2. WALFORD'S INSURANCE GUIDE AND HAND BOOK to the Principles and Practice of Life Assurance

a hand-book of the best authorities on the science. New and revised edition. Price $3.50. ELEMENTS OP PINITE DIFFERENCES. An elementary treatise on the calculus of Finite Differences,

with questions and answers designed to meet requirements of Actuarial Students. By J. BURX, F.IA.

and E. H. BURN, F.I.A. Price $3.50. AN IMPROVED TABLB OF FIVE-PIGURE LOGARITHMS, arranged with a view to securing the best possible combination of accuracy and speed in use, and with special

regard to avoiding unnecessary fatigue to the eyes. By E. ERSKINE Scort, formerly Fellow of the Institute of Actuaries and Account

ants. Price, $3.75 VALUATION TABLES, based upon the “Institute of Actuaries' Mortality Experience (HM) Table” at 3,3%, 4 and 45 per cent; comprising values of Policies for all durations: Values for Temporary Annuities

for all periods, single and Annual premiums for Temporary Assurance up to ten years; Tables for Valuing Endowment Assurances ; also Values of Policies on the HM() Table at the same rates of In

terest; with other useful Tables. By RALPH PRICE HARDY. Demy 8vo, 181 pp. Price $7.50. VALUATION AND OTHER TABLES, deduced from the Institute of Actuaries' Mortality Experience."

To which are appended Select Mortality Tables, Select Commutation Tables, and Select Annuity. Values, based upon Finlaison's Government Annuity Experience (1883) 2% and 3 per cent. By G. Kixa,

F.I.A., and w.j. H. WAITTALL, F.I.A. Price $7.50. THEORY OF OBSERVATIONS. A Treatise dealing with the general treatment of observations. By Prof.

T. N. Thiele, Dr. Phil. Price, cloth, $5.00; paper, $4.00. MORTALITY EXPERIENCB OP BRITISH LIFE INSURANCB COMPANIES 1863-1893. In 8 volumes as

collected and arranged by the Institute of Actuaries. Faculty of Actuaries in Scotland. Price, 8

vols., $77.50. A SHORT COLLECTION OF ACTUARIAL TABLES. Printed by the Institute of Actuaries. For use in

connection with the Examination for Admission to the Classes of Associate and Fellow. Complete

Price $1.50. THE INSURANCE REGISTER 1904, containing, with other information, a Record of the Yearly Progress

and present Financial Position of British Insurance Associations. Demy 8vo. Price $1. THE LAW OF LIFE ASSURANCE, including the formation, Constitution and Amalgamation of Assurance

Companies, Assignments and Equitable Liens arising in connection with Life Policies. By CHARLES

JOAN BUNYON, M.A. 8d Edition by J. V. VESEY FITZGERALD, K.C. Demy 8vo, clo. Price $10.00. THE LAW OF FIRB INSURANCE, By CHARLES JOAN BONYON, M. A. Demy 8vo. sth Edition, by F. E

COLENSO, M.A., in course of preparation. (June 1904). A SHORT TABLE OF LOGARITHMS AND ANTI-LOGARITHMS TO TEN PLACES, in two parts, whereby the logarithm of any number

to ten places of decimals may be readily and correctly found, to which is added a complete, table of constants, with tormulæ for their application. By É. ERSKINE SCOTT.

Price $4.50. PREMIUM CONVERSION TABLES FOR FINDING SINGLB AND ANNUAL PREMIU!1s, corresponding

to give Annuity Values at certain rates of interest. Part I-ANNUAL METHOD, Values of A and P corresponding to a; Part II–CONTINUOUS METHOD, Values of A and P, corresponding to a. By H. J.

ROTHERY (The late) and G, H, RYAN, F.I.A. Price $7,50. PRIENDLY SOCIeries' VALUATION AND OTHER TABLES, deduced from (1). The Sickness and

Mortality Experience of the MANCHESTER UNITY OF ODDFELLOWS (1866-70). Regraduated by Mr. Woodhouse's system, combined with the Mortality (2) THE ENGLISH LIFE TABLE (NO. 3) at ages 75 and upwards; Calculated (as regards Mortality, on the Continuous Method) at 2%, 274, 3, 34, 3%.

3% and 4 per cent. Interest. By WILFRED A. BOWSER, Actuary. Price $10.00. PUBLICATIONS OF THE INSTITUTE OF ACTUARIES IN LONDON, (particulars on application). TRANSACTIONS OF THE FACULTY OF ACTUARIES IN SCOTLAND. (Subscribers names received). TRANSACTIONS OF THE INSURANCE AND ACTUARIAL SOCIETY OF OLASOOw. (Subscribers

names received.) JOURNAL OP THB PEDERATION OF INSURANCB INSTITUTES OP GRBAT BRITAIN AND IRELAND.

Issued annually. (Subscribers names received). ON THE BOOK-KEEPING OP A LIPB Office, by JAYES JOHN M'LAUCALAN, F.P.A. Price $1.25. AN ACCOUNT OF AN INVESTIGATION OF THB SICKNESS AND MORTALITY EXPERIBNCB OF THB 1.0.0.A.

MANCHESTER UNITY FRIENDLY SOCIETY, (1893-1897) with tables, by ALFRED W. WATSON. F.I.A., F.S.S. 489 pp. Price $8.00.

As Sole Agents for the United States, the undersigned will send any of these works, post-paid, to any address on receipt of price. A complete list of C. & E. LAYTON'S publications will be forwarded on receipt of five cents.

THE SPECTATOR CO., 95 William Street, New York, N. Y.

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