The Spectator Insurance Yearbook

THE DEATH RATE PER CENT OF TWENTY-EIGHT LIFE INSURANCE COMPANIES FROM

1873 TO 1892 INCLUSIVE.

COMPANIES.

1873 1874 1875. 1876. 1877. 1878. 1879. 1880. 1881. 1882. 1883. 1884. 1885. 1886. 1887. 1888. 1889. 1890. 1891. 1892

1873 1878

1888 1888 1878

1.42

John Hancock".

Manhattan.......

1.77 1.42 1.37 1.43 1.39 1.42 1.69 1.50 1.51 1.51 1.55 1.61 1.47 1.52 1.54 1.60 1.50 1 26 1.44 1.48 1.53 1.54 1.50
1.14 I II 1.39 1.47 0.53 1 45 1.00 0.86 0.92 1.39 1.53 1.06 1.16 1.24 0.92 0.99 0.90 1.16 1.06
1.13 1.12 1.18 1.06
1.44 1.33 1.39 1.56 1.35 2.06 1.61 0.86 1.75 1.33 1.45 1.28 1 58 1.70 1.24 1.84 2.41 2.15 2.13 1.67 1.41 1 52 1.45 2.04
1.30 0.82 1.11 0.80 1.48 1.45 1.10 1.23 1.34 1.33 1.47 0.71 1.33 0.94 1.06 1 04 1.15 1.02 1.12 0.91 1.10 1.29 1.10 1.07
1.44 1.22 1.46 1.29 1.43 1.46 1.54 1.64 1.79 1.61 1.83 1 80 2.03 1.89 2.07 2.16 2.18 2.28 2.29 2.46 1.37 1.61 1.92 2.27
1.25 1.00 1.37 1 20 1.19 1.18 1.23 1.32 1.28 1.23 1.21 1.26 1 28 1.31 1.26 1.30 1.15
1.69 1.58 1.50 1.34 1.73 1.66 1.71 1.84 1 52 1.74 1.62 1.57 1.74 1.36 1.52 1.51
1.09 1.01
I.II 1.09 1.24 1.27 1.27 1.29 1.26 1.26 1.42 1.31 1.80 1.40 1.53
I 29 0.84 1.29 0.62 1 05 0 87 1 41 1.34 1.25 1.
1.38 1 06 1.28 1.29 1 60 1.38 1.40
1.60 1.44 1 93 1.74 1.64 1.72 2.02 2.21 1.77 1.64 2.09 1.81 2.08 2.02 2.07 2.22 2.04 1.66 1.82

1.69

1.51

I 17

1.22 1.15 1.34

I 20

1.25 1.26 1.23

1.23

1 66

1.64

1.81

1.58

1 57

1.69 1.56 1.64

1.61

1.38 1.34

1 37

1.67

1.11

1.30 1.44 1.46

1.33

1.85 1.33

1.99

1.70

1.02

1.25 1.32 1.65

1.31

1.99 1.67 1.87 1.81 1.95

1.82

1.04 1.30 1.00 0.97 1.31 1.30 1.21 1.35 1.27 1.35 1.01 1.05 1.34 1.11 1.08 1.17 1.14 1.10 I.II 1.06 1.29
0.84 0 89 1.12 0.95 1.01 1.30 1.10 1.57 1.42 0.99 1.63 2.17 1.47 2.24 2 63 2.85 2.11 2.49 2.76 2.07 0.96 1.28 2.03 2.45
1.05 1.01
1.13 108 1.03 1.04 1.40 1.49 1 47 1.48 1.54 1.47 1.65 1.47 1.57 1.60 1.45 1.43 1.43 1.51 1.06 1.38 1.54 1.48
1.36 1.40 1.46 1.59 1.34 1.60 1.69 1.75 1.92 1.65 1.64 1.58 1.74 1.92 1.89 1.89 1.81 1.79 1.81 1.75 1.43 1.72 1.75 1.81
1.07 1.18 1.00
0.80 1.26 1.11 1.09 1.25 0.93 1.24 1.53 1 21 0.89 0.97 0.94 1.02 0.88 0.87 1.00 0.96 1.06 1.12 1.11
1.19 1.32 1.37 1.43 1 32 1.24 1.34 1.48 1.58 1.70 I 72 1.57 1.85 1.58
1.25 1.14 1.33 1.28 1.32 1.49 1.14 1.39 1.49 1.25 1.30 1.09 1.18 1.05
1.09 1.04 1.12 1.34 1.09 1.29 1.20 1.15 1.19 1.08 1.13 0.95 0.96 0.82 1.01 0 89
1.72 1.04 1.21 1.33 1.20 1.71 1.31 1.52 1.52 1.36 1.51 I 22 1.40 1.22 1.06 1.33
1.29 I 24 1.38 1.49 1.60 1.60 1.44 1.26
1.69
1.99 1.86 2.08 2.11 1.80 2.17 2 20
0.64 0.75 0.60 0.64 0.91 1.03 0.99 0.84 0.87 1.06 0.80 0.82 0.74 0.84
0.81 0.75 0.79 0.71 0 96 0.78 0.84
1.04 0.27 0.48 0.24 1.08 099 1.17 0.52 0.74 0.65 0.81 0.89
1.24 I 09 1.24 0.65 0.79 0.72 1.10
0.98 1.03 1.10 0.79 0.93 1 25 0.91 1.19 1.31 0.84 0.93 094 1.30 1.28
1.03 1.00 0.77 1.10 1.10 1.01
0.89 0.72 0.90 0.93 0.76 0.97 0.81 1.26 0 93 0.72 0.98 0.87 0.90 1.10 0.88 1.II 0.88 I 13 0.82 0.92 0.84 094 0.95 0.97
1.10 0.95 1.11 0 67 1.00 0.87 1.11 0.76 0.62 0.73 1.09 0 74 0.74 0.60 0.49 0.64 0.74 0.74 0.62 0.67 0 97 0.82 0.73 0.68
1.03 1.01 1.09 1.53 1.55 1.52 1.69 1.45 1.63 1.59 1.54 1.44 1.67 1.57 1.93 1.67 1.32 2.05 1.84 2.10 1.20 1.58 1.63
1.34 1.56 1 40 1.21 1.37 1.23 1.53 1.55 2.08 1.69 1.56 1.62 1.55 1.65 1.70 1.73 1.31 1.61 1.53 1.71 1.38 1 62 1.61
1 16 1.30 1.20 1.07 1.28 1.17 1.48 1.30 1.51 1.40 1.16 1.33 1.18 1.48 1.27 1.45 1.35 1.34 1.52 1.69 1 20 1.38 1.28
1.35 1.38 1.34 1.39 1.31 1.36 1.40 1.37 1.47 1.40 1.41 1.44 1.46 1.19
Not including industrial business. ↑ Seventeen years.

THE EXPENSE RATE PER CENT OF MEAN INSURANCE IN FORCE OF TWENTY-EIGHT

LIFE INSURANCE COMPANIES FROM 1873 TO 1892 INCLUSIVE.

0.75 0.71 0.77 0.78 0.90 0 86 0.81 0.86 0.85 0.85 0.67 0.70 0.78 0.85 1.03 0.95 0.98 0.97 0.95 0.92 0.99 0.93 0.91 0.91 0.76 0.86 098 093 1.58 1.55 1.67 1.50 1.40 1.42 1.52 1.52 1.53 1.41 1.56 1.55 1.48 1.02 1.14 1.05 1.00 1.09 1.05 1.07 1.09 1.07 1.12 1.19 1.15 1.06 1.08 0 67 0.66 0.63 0.71 0.67 0.69 0.70 0 55 0.62 0.62 0.68

AVERAGES.

1873 1874 1875 1876 1877 1878 1879 1880 1881 1882 1883 1884 1885 1886 1887 1888 1889 1890 1891. 1892. 1873 1878 1883

1888 1873

0.87

0.70 0.73 0.64 0.62 0.66 0.67 0.68 0.70 0.75 0.73 0.82 0.82 0.83 0.68 0.68 0.72 0 82 0.92 0.90 0.91 1.73 1.34 1.13 1.47 1.38 1.46 1.66 1.66 1.64 1.38 1 43 1.18 1 42 1.15 1.27 0.92 1.12 1.18 1.16 1.19 1.10 0.55 057 0.53 0.57 0.56 0.55 55 0.63 0.70 0.67 0.67 0.64 0.73 0.85 098 0.72 0 70 0.73 0.75 0.80 0.89 0.92 0.87 0.83 0.82 0.91 0.89 0.95 0.94 0.95 095 0.91 eo 94 eo 92 eo.87 0.95 0.94 0.91 0.73 071 0.68 0.69 0.73 0.81 0.90 0.96 1.03 1.05 1.12 094 0.840 87 1.01 0.94 0.94 0.98 0.96 eo.94 eo.88 0.78 0.90 0.89 0.87 0.83 080 0.78 0.88 0.80 0.88 0.89 0.89 0.96 0.96 1.01 0.91

1.02 1.07

0.88 0 91 0.96 1.02 1.09 1 07 0.92 0.80 0.84 0.87 1.01 0.82 0.90 1.02 1.10 1.03 1.10 1.23 0.93 0.92 0.91 1.10 I II 1.15 1.08 1.15 1.09 1.15 1.28 0.71 0.95 1.09 1.15 0.95 1.13 0.90 0.97 1.01 1.15 1.20 0.92 0.94 0.93 1 05 1.03 1.20 1.28 1.44 1 26 1.17 1.12 0.83 0.89 1.23 1.23 0.73 0.68 0.64 0.58 0.64 0.71 0.75 0.87 0.94 0.90 0.98 1.01 1.07 1.07 0.97 1.01 1.00 1.08 1.01 1.08 0.65 0.83 1.02 1.04 1.21 1.00 0.86 0.85 0.89 0.90 0.89 eo 91 eo.90 eo.92 eo.94 20 97 20.96 099 1.16 1.14 1.52 1.32 1.20 1.86 0.96 0.90 1.00 I 41 0.69 0.54 0.48 0.46 0.55 046 0.58 0.55 0.62 0.58 0.58 0.58 0.69 0.81 0.89 1.09 1.23 1.20 1.07 1.03 0.54 0.55 0.71 1.12 054 0.49 0.52 0.49 0.45 0.45 0.47 0.55 0.56 0.53 0.53 0.56 0.58 0.60 0.62 0.62 0.68 0.69 0.69 0.73 0.50 0.51 0.58 0.68 061 0.51 0.53 0.54 0.51 0.50 0.64 0.62 0.65 0.64 0.77 0.97 0.99 0.97 1.00 1.13 1.23 1.20 1.22 1.09 0.54 0.61 0.94 1.17

...

0 61

0.99

0.81

o 86 0.91

0.51 0.52 0.51 0.48 0 52 0.50 0 50 0.57 0.66 0.62 0.63 0.65 0.70 0.64 0.66 0.72 0.72 0.70 0.68 0.70 0.50 0 57 0.65 0.70 0.68 0.60 0.58 0.59 0.81 0.74 0.81 0.93 1.03 1.10 1.21 1.18 1.08 1.13 1.29 1.13 1.26 1.25 1.15 1.16 0.66 0.92 1.18 1.19 0.73 0.87 0.70 0.69 0.70 0.67 0.72 0.79 0.86 0.86 0.82 0.79 0.81 0.90 0.88 0.91 0.92 0.93 0.87 0.87 0.73 0.78 0.84 0.90 0.66 0.69 0.74 0.80 0.80 0.73 0.73 0.77 o 87 0.86 0.87 0.88 0.89 0.96 0.94 0.94 1.05 0.99 1.00 1.05 0.74 0.80 0.91 1.01 0.77 0.67 0.80 0.72 0.87 0.76 0.72 1.12 0.77 0.78 0.84 0.88 0.88 0.88 1.15 0.94 0.90 0.99 1.34 1.44 0.77 0.83 0.93 1.12 0.89 078 0.69 0.74 0.60 0.63 0.71 0.76 0.72 0.70 0.73 0.75 0.70 0.71 0.77 0.78 0.79 0.73 0.69 0.76 0.74 0.70 0.71 0.75 0.73 1.60 1.29 1.33 1.56 1.14 1.24 1.12 0.57 0.53 0.50 0.54 0.44 066 0.54 058 0.62 1.22 1.31 065 0.57 † 0.89 0.58 0.52 0.49 0.46 0.40 0.40 0.43 0.52 0.60 0 72 0.85 0 85 0.91 0.84 0.87 0.87 0.89 0.97 0.96 0.98 0.69 0.53 0.87 0.93 0.75 0.61 0.69 0.76 0.80 0.62 0.59 0.58 0.61 0.67 0.70 0.70 0.74 0.75 0.76 0.70 0.67 0.69 0.68 0.91 0.90 0.70 0.63 0.73 0.77 0.71 0.96 1.20 1.15 1.11 1.29 1.30 1.15 1.69 1.79 2.18 1.97 1.90 1.95 2.08 1.97 1.79 1.77 1.57 1.38 1.26 1.14 1.62 1.98 1.55 1.57 0.88 1.01 1.06 1.49 1.09 0.98 1.11 1.13 1.11 1.10 0.00 1.14 1.11 1.12 1.13 1.16 1.09 1.15 1.18 1.23 0.95 1.08 1.08 1.16 1.07 1.28 1.38 1.33 1.31 1.82 1.20 1.34 1.67 1.61 1.60 1.80 1.65 1.53 1.53 1.55 1.40 1.33 1.28 1.24 1.18 1.42 1.48 1.62 1.29 1.45 087 0.78 0.81 0.76 0.91 0.92 0.93 0.93 0.86 1.02 0.96 0.96 0.94 0.97 1.07 1.27 1.28 1.21 1.14 1.16 0.83 0.94 0.98 1.21 0.99 0.83 0.82 0.78 0.80 0.84 0.81 0.85 0.93 0.94 0.94 0.96 0.96 0.96 0.97 1.02 1.01 1.07 1.04 1.04 1.07 0.81 0.89 0 97 1.05 0.93 • Excluding industrial business.

✔ Partly estimated.

↑ Sixteen years

SYNOPSIS OF LIFE INSURANCE FOR TWENTY-FIVE YEARS.

SHOWING AGGREGATES OF PREMIUMS, INTEREST ON INVESTMENTS, PAYMENTS TO POLICYHOLDERS, AND ACCUMULATION OF ASSETS IN TWENTY-FIVE YEARS (1868-1892) OF TWENTY-FIVE LIFE COMPANIES REPORTING TO THE NEW YORK INSURANCE DEPARTMENT.

FINANCIAL STANDING AND BUSINESS IN 1892 OF UNITED STATES LIFE COMPANIES.

Ætna Life, Hartford, Conn..

Atlas Life, Indianapolis, Ind..

Bankers, Lincoln, Neb..

Berkshire, Pittsfield, Mass...

Brooklyn, New York, N. Y.

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Aggregates year ending December 31, 1891.
Gained during the year 1892....
Aggregates year ending December 31, 1890....
Aggregates year ending December 31, 1889.
Aggregates year ending December 31, 1888.

840,492,122 101,487,957

172,955,180 213,469,822 97,026,346 144.558,461

78,809,753

15,137,612 11,575,728

770,979,970

14,157,430 92,302,274 158,099,251 196,939,070 90,016,554 134,204,535

*Includes accident department. Commenced business in 1892. $4% per cent.

89.872,267 140,168,312 176,242,859 82,049,529 120,905,235 6201,977,843

82,516,591 120,244,711 153,859,187 76,530,780 108,747,756

a Did business as an assessment company prior to 1892. Industrial business. cOrdinary business.

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