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Promises Are Nut Everything

An Army of 250,000

If they were, neither Gov. ernment Bonds vor Equitable policies would find a very ready market.

A Government Bond-bear. ing 3 per cent. interestsells at a premium, while many another boud promising twice as much-will not sell, even at par.

Promises are cbeap-and it doesn't cost much to print them.

It isn't the promises--the contracts—that count, it is all in who makes the promise.

Neither the Government nor the Equitable promise impossibilities--but what tire; do promise they perform.

The Equitable's promises are backed by over $50,000,000 of surplus.

The members of the Equit. able Society form an Army 250.000 strong-an army that goes forth conquering and to conquer-but not to slaughter.

The enemies it conquers are want-distress--and poverty. Instead of making widows and orphans-this great army protects them. It helps the helpless and makes smooth the path of the aged-Instead of pulling down it builds upInstead of devastation, pros perity and increase will follow in its train.

This army has recruiting stations all over the United States-and is always ready to receive recruits who can pass the necessary medical examination.

Is 5% Enough


* Strongest in the World"


"Strongest in the World"

interest on an absolutely safe investment? Would you be interested in making an investment that would give your wife, in the event of your death, an absolutely sure and guaranteed income of five per cent, for twenty years? If so, you would be interested in one of the new contracts of assur. ance, issued by the Equitable Society, which at maturity is paid in interest-bearing securi. ties called Gold Debentures.

These Debentures bear interest at the rate of belo per annum for twenty years, at the cud of which time they mature and are paid in sold. Having these advantages and being guaranteed by one of the strongest financial institutions in the world, these Debentures may be expected to command a premium above their face value in any market if offered for sale.

If you would like to have a fuller description of this contract issued at your age, including an explanation of the dividend, options and guarantees covered by it, kindly 611 up and return the coupon below:

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"Two from two leaves nothing." says the infant class. Correct! It's the same in the grown-up class, too. In business. In finance. In every occupation. All the world over. Two from two leaus nothing.

In any business, if the assets are no greater than the liabil. ities, there can be no profits, no dividends, for two from two leaves nothing. If the assets are $12,000 and the liabilities $10,000, then dividends may be paid, for ten from twelve leaves two.

Take the assets and liabilities of the Equitable Society. One hundred and eighty-six mil. lions from two hundred and thirty-six millions leaves fifty millions of surplus, and it is from surplus only that divi. deods can be paid.


"Strongest in the World,"

COUPON. The Equitable Society,

120 Broadway, New York, I would like to receive information regarding a GOLD DEBENTURE POLICY issued at age......................... Name....... Address......

"The Pen is mightier than the sword,” not as the cynic puts it, “because you can't sign a check with a sword,''but be

cause the sword

bereaves widows and children, while the pep if used in sign ing an appli

cation for life assurance protects and supports them. A PEN, if used in signing an application

for an Endowment policy in the Equitable

Society, will help provide for your own old age also.

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Getting $1,000 is

8,382 Too late.

better than being promised $2,000. Getting $1,000 promptly is better than having to wait six months for it. Of paramount interest to policy-holders are (1) absolute security; (2) prompt payment. THE EQUITABLE has over SIXTY MILLION DOLLARS of surplus. The vast majority of its claims are paid on same . day proofs are received.

During 1898 The Equitable
alone declined the appli-
cations of 8,382 persons
for $30,318,878 of new as-

Think of it a moment-
8,382 people--all wanting
assurance – all ready to
pay for it-all thinking
that they were in good
physical condition - and
yet all declined.

Isn't there a strong ob. ject lesson here on the danger of delay? Think over it as regards yourself.


"Strongest in the World."


When you die your salary stops-your earning power ceases.

If you are a professional man your income dies with you.

But your debts don't die—they become liabili. ties against your estate.

You can, however, make your debts die with you — by means of life assurance.

The Equitable Society

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On January 1, Mr. Edward A. Woods, EU

of Pittsburg, celebrated a double anni65 YI.

versary—the 35th year of his age and the
Toth year of his management of the West-
ern Pennsylvania agency of the Equitable.
Every manager and agent has heard of Ed-
ward A. Woods and his agency, so that in
this place it is not necessary to introduce
Mr. Woods to our readers, but merely to
give some figures showing the great suc-
cess of the Western Pennsylvania agency
during the decade in which it has been
under Mr. Woods's management.

January 1, 1890. ................ $10,000,000
December 1, 1899. ............. 45,000,000

1889 ..............

........... 350,000 Eleven months, 1899........... 1,500,000

NEW BUSINESS WRITTEN. 1889 ................

..... 4,000,000 Eleven months, 1899........... 9,000,000

POLICIES FOR $100,000.
January 1, 1890.
December 1, 1899....

January 1, 1899. .............
December 1, 1899. .............

At this writing these figures are largely Every nionth we propose to devote a estimates, but it is a sure thing tha: they column or so to notes and queries, in are on the side of modesty. We which we shall try to answer those which think it is very certain that the 1899 can be answered in a few lines. It is not new business of this agency will far exceed to be supposed that we shall be able to the above .gures. answer every question in the limited space May the growth of the next decade, and at our disposal, but the most important the next, and the next, be as great as that ones will be answered. If any correspond of the one ending December 31 last. And ent finds that his question is not answered, may Edward A. Woods still be at the helm, it will be because of one of three reasons; and "may we be here to see." (1) that we have not sufficient space; (2) that it is not deemed of sufficient import

ON SUSPICION. ance; (3) that it is too difficult and we give

It is a prehistoric piece of alleged it up.

humor to say that you don't know whether Send along your queries, but please

"so and so" is dead or not, but that he make them easy, at all events to start with.

was buried on suspicion. It is a new thing, A MODEL LETTER.

however, to pay a life insurance policy on

suspicion, as, according to the newspapers, One of the Society's managers sends in

one of our esteemed sister companies did a company's letter which is a model of con

the other day, the insured appearing in the cis ness. Here it is:

flesh a week after the insurance check had "My husband carried insurance in four com

been received. This is "promptness" inpanies. The Equitable was first to pay. Please accept my thanks."


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C. J. Edwards, of Brooklyn, did nobly during 1899. You can't down any cne of that name.

A. M. Shields's record for 1899 is a splendid example of how to run a great agency, and still find time to do a large personal business.

James Yereance says that the Old Guard are doing quite well, thank you.

The convention of Metropolitan Managers, on January 8th, was one of the most inspiring ever held. The “Equitable” enthusiasm displayed was even greater than at the Fortieth Anniversary Convention. Inspiring speeches were made by the officers and by Messrs. John C. Eisele, Joseph Bowes, W. H. S. Whitcomb, A. A. Maher, R. J. Mix, James Yereance and C. T. Edwards. The following resolution, in regard to the new reform in compensation of agents, was proposed by A. C. Haynes and carried unanimously amid a scene of great enthusiasm :

Resolved, That we, the agents of the Equitable Society, here assembled, congratulate the officers upon the benefit already resulting from this advance step and that we here and now pledge to the officers our loyal and enthusiastic support in this great reform, which in our opinion is destined to be of incalculable benefit to the cause of life assurance throughout the length and breadth of the land.

Joseph Bowes, of Baltimore, says that if he could not find a better name for this paper than the one it has he would give up business.

Manager Kendrick, of St. Louis, was recently presented with a traveling case by the boys. Do the boys wish him to travel?

Here's hoping and believing that H. L. Rosenfeld will be as successful in Cincinnati as he has been in Georgia.

The Society has a new doorman in Ohio, H. G. Dohrman, of Steubenville.

On New Year's day Will M. Waters, of Dallas, Texas, was caned by his agents, as a "method of support and a weapon of defense.”

F. A. C. Hill's business is mountain up.

Is the present time the most opportune in the history of Life assurance for live men identified with a company like the GREAT EQUITABLE to make good money and build up an annual income during the next five to ten years which will care for them and theirs in later years ?


BECAUSE Of the restoration of confidence and the return of such business prosperity

as the country has not seen in years. BECAUSE During the five or six years of business depression, through which we have

just passed, thousands of assurable men did not take assurance who

would have done so had times been as good as now. BECAUSE During this same period, thousands more were obliged to drop a part, if

not the whole, of their assurance and are to-day more anxious than ever

to avail tliemselves of the protection offered by A-No. I companies. BECAUSE Thousands upon thousands of those who have been assured in assessment

and fraternal associations have been taught by bitter experience the fallacy and absolute failure of assessmentism and will to-day buy only assurance

that assures. BECAUSE The large number of failures since '93 (in many instances of institutions in

which the public had every reason to have the utmost confidence), has emphasized as never before, the stability of, and security offered by, a

legal reserve company of the strength of the EQUITABLE. BECAUSE With each succeeding year, the public, especially business men, are

becoming better educated to the benefits of good life assurance. BECAUSE Never before were the policies so liberal and so well adapted to the various

needs of all classes of assurors as are the latest contracts offered by the

EQUITABLE. BECAUSE Recent events in assurance circles have placed more clearly before the

public the high character of the EQUITABLE. BECAUSE the present personnel of the assurance fraternity has given a standing to

the assurance representative never before attained.



The Equitable Life Assurance Society


The above clever advertisement for Agents was published by Mr. A. F. AIRD, the Society's Manager in Buffalo, and will probably suggest ideas to many other of the Society's Managers.

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