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Entered, according to Act of Congress, in the year 1893, by The SpectatOR COMPANY, in the Office of the

Librarian of Congress, at Washington, D. C.

Edent

Actuary.

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D. M. FERRY,

President.
WM. C. MAYBURY, Managing Director. 476539
STEWART MARKS, Secretary.
M. W. O'BRIEN, Treasurer.
E. A. LEONARD, Assistant Secretary.
C. W. HITCHCOCK, M.D., Chief Surgeon.

J. T. KEENA, Chief Counsel.

AGENTS WANTED FOR UNOCCUPIED TERRITORY.

GERMANIA

Fire Insurance Company,

62 and 64 William Street, corner Ceaar Street,

NEW YORK.

Organized 1859.

CASH CAPITAL

Statement. January 1, 1893.

:$1,000,000.00 Reserve for Reinsurance.

1,061,580.80 Reserve for Losses and Other Claims..

121,941,01 Net Surplus.....

1,011,649.09 TOTAL ASSETS.

$3,195,170.90

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Table OF CONTENTS.

II2

182

PAGE.

Accident Insurance Companies of

Austria

103

Belgium

103

France

103

Germany

103

Great Britain

97

Italy

103
Russia..

103
Scandinavia.

103
Switzerland

Io3

United States..

...129, 131, 134, 142

Accidents to the Insured? Does Accident Insur:
ance Prevent.

168

Actuarial Societies of Great Britain..

91

Addenda..

16

Agents of Companies Doing Business in Can-

ada, Chief.

I21

Alabama:

Insurance Agents in..

385

Statutory Requirements

33

American Life Insurance Companies :

Analysis of the Assets of.
Business by States of..

148-165
Combined Death and Expense Ratio of ... 170
Death Rate of...

171
Directors and Trustees of.

126

Expense Rate of..

172

Financial Standing and Business in 1892 of. 174

In Canada....

114-117

Interest Earned by.

169
In the Hands of Receivers.

126

Officers of......

184-247

Payments to Policyholders of..

178

Policies Issued and Terminated of

180

Retired

124

Statistics for Thirty Years

176

Statistics from Organization of..

184

Synopsis for Twenty-five Years.

173

American Miscellaneous Insurance Companies ;

Directors and Trustees of..

129

Field Men of....

131

Officers of

134-145

Statistics of.

134-145

In Canada..

119

Analysis of the Assets of Life Insurance Com-

panies..

182

Annuity Business in 1891-92 British Life Insur-

ance, etc..

94

Arizona;

Insurance Agents in....

Statutory Requirements

34

Arkansas :

Insurance Agents in...

386

Life Insurance in...

Statutory Requirements..

34

Assessment Companies of Canada..... 106, III, 123

Assets of Life Insurance Companies, Analysis

of the.......

182

Assets, Policies and Claims of Lite Companies
in Canada...

. 109-117

Australasia, Life Insurance Companies in...... 102

Austria, Accident Insurance Companies in..... 103

Austria, Life Insurance Companies in.

Authority in Insurance Matters, State Officials

having.

104

Baggage Insurance Cos. in the United States.. 145

Belgium, Accident Insurance Companies in.... 103

Belgium, Life Insurance Companies in.
Better than a Bank..

87

PAGE.
Boon and a Blessing, A...

67

British and American Miscellaneous Companies

in Canada ...

119

British Columbia Insurance Agents.

477

British Life Companies in Canada.

British Life Insurance and Annuity Business

in 1891-92.

94

Bri ish Life Offices, Interest of.

99

British Life Offices, Total Sums Assured and

Funds of.....

98

Brooks on Life Insurance, Phillips.

180

Business and Standing of Canadian Life Cos... 106

Business in 1892 of United States Life Com-

panies, Financial Standing and..

174

California:

Business Men..

96

Accident Insurance in.

148

Insurance Agents in...

387

Life Insurance in...

149

Statutory Requirements.

35

Canada, Assessment Companies of.... 106, 111, 123

Canada, Assets, Policies and Claims of Lite

Companies in..

109-117

Canada, British and American Miscellaneous

Companies in...

119

Canada :

Insurance Agents...

477

Insurance in...

105-123

Life Insurance in..

164

Statutory Requirements..

36

Canadian Insurance Officials.

104

Canadian Life Companies, Business and Stand-

ing of..

IOO

Canada, List of Life and Miscellaneous Insur-

ance Companies Licensed to do Business in 122

Canadian Miscellaneous Companies..........

118

Casualty Insurance in Great Britain........... 97

Chief Agents of Companies Doing Business in

Canada.

I 22

Colorado :

Miscellaneous Insurance in.

149

Insurance Agents in...

390

Life Insurance in.....

148

Statuto'y Requirements..

37

Combined Death and Expense Rate, The.. 170

Companies in the Hands of Receivers..

126

Compendium of Life Insurance Reports....248-314

Connecticut:

Insurance Agents in..

391

Life Insurance in..

149

Statutory Requirements.

38

Death and Expense Rate, The Combined. 170

Death Rate Per Cent of Mean Insurance in

Force, The.....

171

Decisions Relating to Life Insurance. ..... 68-79

Condition of Policy Relative to Beneficiary. 70

Construing Terms of the Policy..

70

Contract Between General Agent and

District Agent....

75

Credirors Must Prove Indebiedness at

Decease of Insured.

74

Death Certificate...

70

Dec-ased Child's Interest in Policy

71

Default in Payment of Premium..

72

Disposition of Dead Wife's Policy..

77

En'itled to Recover Premiums Paid..

74

Evidence of Physician Admissible to Prove

Suicide..

69

Insurance for Benefit of Creditors...

75

386

149

100

100

40

72

396

ance....

38

122

68-79

Page.

Decisions Relating to Life Insurance.

Insurance for the Benefit of an Incurable

Daughter..

68

Insured Responsible for False Answers

Written by Agent....

76

Lien of Creditor Upon a Policy..

Misstatement as to 'Other Insurance.

71

Non-Payment of Premium Notes..

Payment of Premium by B-neficiary.. 69

Payment of Premiums with Stolen Money. 69

Policy Not in Accordance with Application. 79

Power of the Court to Reform Policy, The. 73

Premiums Paid by an Insolvent..

76

Presumption of Law as to Suicide.

Proceeds of Policy Held in Trust..

74

Prompe Payment of Premium a Condition

of the Contract..

72

Return of Policy Necessary to Obtain Paid-

up Insurance.

73

Rights of Creditors in Endowment Insur-

73

Surrender of Policy by an Insolvent.

71

What Constitutes Sober and Temperate

Habits..

75

What is Sufficient Notice of Premiums

Due?..

77

Definitive Analysis of Life Insurance Re-
turns

.315-383
Delaware :
Insurance Agents in...

393
Statutory Requirements..
Deposits of Companies Doing Business in

Canada....

Digest of Insurance Decisions..

Directors and Trustees of United States Life

Companies

126

Directors and Trustees of United States Mis.

cellaneous Insurance Companies.... 129

Directory of Life and Miscellaneous Companies

in Great Britain..

88

District of Columbia :

Insurance Agents in ..

393

Statutory Requirements..

39

Dominion, Whai is Required of Companies

Doing Business in the.

105

Does Accident Insurance Prevent Accidents to

the Insured ?......

Dutch Lite Insurance Companies..

Excelsior Life, Toronto, Ont., Report of. 18

Expense Rare Per Cent of Mean Insurance in

Force, The....

172

Expense Rate, The Combined Death and. 170

Failed or Retired Life Insurance Companies of

the United States.....

124

Fidelity Companies in the United Sta es.. 136, 144

Field Men of Miscellaneous Insurance Com-

par ies....

131

Financial Standing and Business in 1892 of

United States Life Companies.

174

Florida :

Insurance Agents in..

393

Life Insurance in...

150

Starutory Requirements.

39

Foreigo Companies, Statistics of.

88-103

French Accident Insurance Companies. 103

France, Life Insurance Companies in.

Funds of British Life Offices, Total Sums

Assured and...

General Agents of Miscellaneous Insurance

Companies in the U. S.

131

Georgia :

Insurance Agents in.

394

Statutory Requirements.

40

German Accident Insurance Companies. 103

German Life Insurance Companies.

Great Britain:

Actuarial Societies of....

91

Casualty Insurance in.

97

Directory of Life and Miscellaneous Com-

88

Funds of Life Offices..

98

Industrial Insurance in.

96

Page.

Great Britain :

Interest of Life Offices...

99

Life Insurance and Annuity Business in

1891-92.

94

New Assurance Associations of..

93

Total Sums Assured and Funds of Life

Offices.....

98

History, Life Insurance...

183-247

Holland, Lite Insurance Companies in.

100

Idaho:

Insurance Agents in......

396

Statutory Requirements..

Illinois :

Insurance Agents in...

Life Insurance in....

151

Statutory Requirements.

41

Independent Adjusters...

Indiana :

Insurance Agents in...

403

Statutory Requirements.

42

Indian Territory Insurance Agents.

407

Industrial Insurance in Great Britain.

96

Industrial Insurance in the United States. 146

Insurance Agents, List of...

385-485
Insurance in Canada....

105-123
Insurance, National Supervision of.

80-87

Insurance Officials, Canadian....

104

United States.

104

Insured? Does Accident Insurance Prevent

Accidents to the.....

168

Interest Earned on Mean Invested Funds, Rate of 169

Interest of British Life Offices...

99

Iowa :

Insurance Agents in...

407

Life In-urance in....

151

Statutory Requirements.

42

Issued and Terminat d Policies.

180

Italian Accident Insurance Companies.

103

Italian Life Insurance Companies.

IOI

Kansas:

Insurance Agents in.

412

Life Insurance in...

150

Miscellaneous Insurance in..

151

Statutory Requirements.

43

Kentucky :

Insurance Agents in....

Life and Miscellaneous Insurance in.. 151

Statutory Requirements.

44

Legislatures, State and Territorial.

133

Life and Miscellaneous Companies in Great

Britain, Directory of.....

88

Life and Miscellaneous Insurance Companies

Licensed to do Business in Canada... I 22

Life Insurance and Annuity Business in 1891-92,

British.

94

Life Insurance in

Australasia.

Austria..

Be gium..

100

France.
Germany.

1οΙ
Great Britain.

88, 93, 94

Holland.

Italy:

416

168

Ιοο

102

100

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IOO

98

IOI

IOI

Russia.

Scandinavia.

Switzerland.

102

United States.

124, 126, 146

Life Insurance by States...

148-165
Life Insurance History...

.183-217
Life Underwriters Associations.

..166-68
Live Stock Companies in the United States

129, 142, 143, 145

Louisiana:

Insurance Agents in.

Life Insurance in....

Statutory Requirements.

45

Maine :

Insurance Agents in..

419

Life Insurance in....

152

Statutory R. quirements.

45

Managers of British Insurance Companies.... 88

IOI
102

418

18

anies in...

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Assets to policyholders, June 1st, 1893, exceed $700,000.

DIRECTORS.

SILAS PEIRCE, President Boston National Bank.
JOHN SHEPARD, of Shepard, Norwell & Co.
OTIS D. DANA, President Dana Hardware Co.
JOHN A. PRAY, of John H. Pray Sons & Co.

BENJAMIN F. DUTTON, of Houghton & Dutton.
JOHN S. MURRAY, Ass't Treas. Wakefield Rattan Co.
JOHN C. RANDALL, of John H. Pray Sons & Co.

JOHN OSCAR TEELE, Attorney.
FRANK H. MASON, Treas, Boyd & Corey Boot and Shoe Co.

CLARENCE H. HAYES, of L. Burge, Hayes & Co.

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