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A B Cof Life Insurance

When in

Need

By the late CHARLES E WILLARD.

of

Paper

Ring up

1995 John

This book, by the late Mr. Willard, forirerly President of the Provident Savings Life Assurance Society, proved so popular among life insurance men that it has passed through four editions. In the current edition (the fourth) the work has been enlarged and improved, several new chapters hav. ing been added, considerably increasing its value. The A B C OF LIFE INSURANCE illustrates the elementary principles of life insurance so clearly that they are readily comprehended by those who have not made them a study; and the explanations and examples are such that an agent can, by their use, easily convince any reasonable man that the fourdations upon which the business is built are accurate and logical. Every agent should possess a copy of this valuable aid. This edition is sold at the same price as earlier editions, viz.:

$1.00 PER COPY. Sent postpaid on receipt of amount. It is handsomely printed and neatly bound in cloth, and is of a size convenient for pocket use.

The SPECTATOR COMPANY, Publishers,

Sole Agents in United States

IMPROVED

INDIA BIBLE PAPER

95 William Street, New York.

FLEXIBLE
BOOKBINDING

IN LEATHER,
CLOTH AND
OTHER
MATERIALS

WE BIND THE “SPECTATOR”
PUBLICATIONS, ALSO RATE
BOOKS, ETC., FOR INSURANCE
COMPANIESE

KINDLY ADDRESS "BOOKBINDER" CARE OF THE SPECTATOR COMPANY 95

WILLIAM STREET, NEW YORK

THE

Mutual Benefit Lite

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.

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 68,359,46 200,000.00 90,216.87

Dec. 31, 1902
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.

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 ante este este se
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. It is thoroughly reliable, stands the hardest kind of work without derangement, and is so well made as to

practically never require repairs. The Tate Arithmometer is in use by actuar, ies and mathematicians in all parts of the world, and is universally commended by them after long and severe tests. This instrument is made in two sizes, a cut of the 16-figure product machine being shown herewith.

Among the many testimonials re

ceived showing the efficiency of the 0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0

Arithmometer, we produce one of the latest from Mr. Henry D. Smidt, Under Colonial Secretary at Cape Town :

“I wish to state that the Arithmometer supplied this department in 1890 has proved to be wholly satisfactory. I venture to say that it has been in more constant use and has done more work than any instrument used for a like period. It has been in constant use for

all statistical, actuarial and other Gov. ernment purposes, and I have never known it to fail in a single instance to the slightest extent. It has remained in perfect adjustment and is still

in as perfect condition as it was when first received here."

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

$350.
12

30 o. 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

CE 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 “Ojhner" will work any combination of figures, however complicated, with the

u og 31 1 0 0 0 0 2 5 317 3 2 5 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 the Odhner is, therefore, a fair representation of the Brunsviga. The following are some recent improvements in the Brunsviga machine : : The handle cannot be turned until the catch or spring in the slide (or lower portion of machine) is in its proper position. 2. The handle cannot be turned when the winged nut on the right is not in its proper position. 3. The slide (or lower portion of the machine) cannot be moved when

the handle is not in proper position. 4 The slide must be returned to the extreme left before the figures in same can be cancelled. The Brunsviga is supplied with an extension handle and a 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 9 pumerals for the basis of calcula Jons, 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 Arithmometre as invented by Thomas de Colmar, and is still being manulactured 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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"B"-13

200.

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

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