HANDY GUIDE ΤΟ PREMIUM RATES, APPLICATIONS AND POLICIES S' OF AMERICAN LIFE INSURANCE COMPANIES. HOWING forms of Policies issued by the various old line Life Companies and the conditions bearing upon them; also comparative Tables of Rates for Whole Life, Endowment, Term and Industrial Insurance, for Annuities, Surrender Values, Tontine Estimates and Results, and other valuable information relating to the life insurance contracts of the various companies. In preparing this, the Second Edition of The Handy Guide, a number of changes have been made, so as to render this work of even more service to the Life Insurance Fraternity than the First Edition, which was so favorably received. Attention is called to the alphabetical arrangement by which The Handy Guide becomes practically self-indexing. The Premium Rates under the Ordinary Whole Life Continuous Payment, Limited Payment, Term and Endowment plans are furnished year by year from ages twenty to sixty-five, and in some instances for higher ages. The Industrial Rates, Whole Life and Endowment, are given with policies of this class, arranged in five year periods, and the same arrangement extends to Annuities. The Policies given in this work include several for leading companies and represent the best and most recent contracts offered to the public. Every possible effort was made to secure complete data regarding surrender values, cash, paid-up and extended insurance, and more detail bearing on this subject is presented than can be found in any other publication extant. Among the Miscellaneous Tables in the work are tabulations embodying dividend and tontine estimates, actual results, etc., of those institutions making a feature of Investment Insurance; also the non-forfeiture laws of New York, Massachusetts and Maine. The new Handy Guide contains 300 pages of practical information for Life Uuderwriters as compared with 208 contained in the First Edition. Notwithstanding the increased amount of information, the new edition is less bulky than the old. The publishers have studied the needs of the field workers and have designed to give in The Handy Guide a maximum amount of information in a volume of minimum size, bound especially for pocket use. The following is a brief summary of The Handy Guide to Premium Rates, Applications and Policies: Handsomely Bound in Flexible Leather for Pocket Use. (Sent postpaid on receipt of price.) THE SPECTATOR COMPANY, PUBLISHERS, Chicago Office, 202 La Salle St. 14 CORTLANDT ST., NEW YORK. Liverpool & London & Globe INSURANCE COMPANY. ESTABLISHED 1836. ENTERED U. S. 1848. Statement of United States Branch, Jan. 1st, 1893. Total Fire Losses Paid in the United States, exceed $56,241,533.35 New York Board: CHARLES H. MARSHALL, CHAIRMAN. JAMES E. PULSFORD. Resident Manager-HENRY W. EATON. Deputy Manager-GEO. W. HOYT. Insurance that Insures. A Policy of Life Insurance absolutely without Restrictions as to occupation, residence, travel, habits of life or manner of death; A Policy with but One Condition, namely, the payment of premiums; A Policy with a Month's Grace in premium payments and paid in full in case of death during the month of grace less only the overdue premium with interest; A Policy providing for Re-instatement within six months after lapse, if the insured is in good health; A Policy AUTOMATICALLY non-forfeiting after three annual premiums have been paid; A Policy with Privilege of Cash Loans at 5 per cent interest, five years after issue; A Policy with Six Options in settlement at the end of 10, 15 or 20 years; A Policy incontestable from any cause One Year after issue; THAT'S THE "ACCUMULATION POLICY" OF THE New-York Life Insurance Company, JOHN A. McCALL, President, 346 & 348 BROADWAY, NEW YORK. Agents of integrity and ability wanted everywhere. |