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Agents' Wallet

...xxvi

xi
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xvi

....

X

xiv

31

Agricultural Ins. Co. of Watertown, N. Y....
American Bonding Company of Baltimore...
American Fire Ins. Co., Philadelphia
American Guild, Richmond, Va.....
American Surety Co. of New York...
American Temperance Life Ins. Assn., N. Y. xxx
Anderson, J. S. & Son, Cedar Rapids, Ia..... a-40
Angell & Kitchen, New Orleans..
Armstrong, C. B. & Co., Buffalo, N. Y.......a-100
Armstrong, P. B. & Son, New York....... .xxiv
Arnold, Morton & Irvine, Columbus, O......a-177
Assecuranz-Compass, Vienna, Austria.... .xxxviii
Atlas Assurance Company..

a-58

xxvi

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Fire Insurance Laws, Taxes and Fees........ xxv
Fisher, D. A., Memphis, Tenn.
..a-142

21

Austin & Danaher, Pine Bluff, Ark...........a-173
Bagley & Willet, Atlanta...
Baldwin & Frick, Baltimore.

........

Baltimore Life Ins. Co., Baltimore.
Bankers Life Ins. Co. of New York.

a-19
a-62
.xviii

Germania Fire Ins. Co., New York.
Germania Life Ins. Co. of New York.
Gillespy, Sherwood, Seattle, Wash..

18

23

.a-154

Gillingham, Harrold E., Philadelphia...
Godchaux, Shelby & Mioton, Ltd.,

.a-133

2

Orleans

New!

Barry, J. Ramsay & Co., Baltimore..
Beattie, Wm. A., Boston...

a-57

a-61

a-64

Berkshire Life Ins. Co. of Pittsfield, Mass...xxvi
Bicksler, McLean & Bennett, Denver, Col....a-173
Binder

Beers, Kenison & Co., Galveston, Tex... ....a-147
Benedict & Gill, Denver, Col..

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Graham, James, New Orleans..

a-57

Granite State Fire Ins. Co., Portsm'th, N. H. xxii

b-24

Blagden, Kelly & Co., New York..
Boughan & Co., New York....

..a-105

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Brand, C. Martin, Washington, D. C...... a18
Breck, Robert, St. Louis, Mo..

Hall & Henshaw, Chicago..

a-19

a-24

Handy Guide

25

a-86

Hanover Fire Ins. Co., New York...

.xxxi

30

Hartford Life Ins. Co., Hartford...

Hartford Fire Ins. Co. of Hartford, Conn..... 31

xl

a-24

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..a-146

..a-147

Brown, Edward & Sons, San Francisco..

a-10

Hinckley & Woods, Boston..

Hilbert, Baerwald & Dawe Co., Milwaukee...a-161
Hillard, J. G., New York...

.a-108

Brown, T. Y. & Co., New York...

Bullitt Brothers, St. Louis, Mo...

....a-106
a-86

Busbee & Busbee, Raleigh, N. C.

...a-177

Buttles, M. Dugro, New York...

.a-105

Hinsdale & Hinsdale, Raleigh, N. C..........a-177
Hirschberg, F. D. & Bro., St. Louis, Mo..... a-86
Home Friendly Society, Baltimore, Md.. ..xxxi
Home Ins. Co., New York....

a-64

27

Buxton, Herbert, New York..

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.a-105

Byrne, Wm. & Co., St. Louis, Mo..

a-86

Calculating Machines

28

Cameron, John S., Atlanta.

a-19

Campbell, Alexander, Minneapolis..

a-77

Cathcart, A. Roszel & Co., Baltimore..

Candee, H. H. & Son, Cairo, Ill............... a-23
Casey, Sam. L., Kansas City, Mo..

a-84

Cincinnati Underwriters, Cincinnati.

Chamberlain & Gillette, San Antonio, Tex....a-149
Charters of American Life Ins. Companies...xxxi

...... a-61

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How, Taylor & Mitchell, St. Paul, Minn......a-175
Hynson, Geo. G., New Orleans..
Hughes & Stowe, Galveston, Tex.....
Illinois Life Ins. Co., Chicago...

a-57

.....a-147

xvii

29

xxii

...

a-55

Clapp, E. E. & Co., New York..

..a-105

James, Fred S. & Co., Chicago..

Clarke & Groves, Buffalo, N. Y..

..a-100

Jameson & Frelinghuysen, Chicago.

Cluff, Edward, New York...

..a-106

Cobb, C. D. & Co., Denver, Col...

a-13

Jameson & Frelinghuysen, New York.
Janvier & Moss, New Orleans....

......a-108

Cofield, Craig, Atlanta...

a-19

John Hancock Mutual Life Ins. Co. of Bos-

...a-25
a-25
a-57

Comer, Wm. T., Atlanta..

ton, Mass.

a-19

31

Cowperthwaite, Fox & Co., New York..

Commercial Union Assce. Co., Ltd. of London.xxxi
Connecticut General Life Ins. Co., Hartford.. xiii
Connecticut Mutual Life Ins. Co., Hartford.. ix
Continental Casualty Co., Chicago...
Cotton, S. O. & Bro., Houston, Tex..
Coudrey, Harry M. & Co., St. Louis, Mo.

Jones, Holmes, New York

..a-176

Joyce on Insurance..

V

2

Keystone Mut. Fire Ins. Co. of Philadelphia.xxiii
Kimball & Parker. Hartford, Conn..

a-15

.a-148

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a-87

Kuebler, Geo. J., Chicago, Ill..

...a-174

..a-106

Lamey, H. T., Denver, Col.

Cravens & Kelly, Houston, Tex...

Law Brothers, Chicago

.... a-13

.a-148

Craycroft Bros. & Dyer, Dallas, Tex.

..a-144

Layton, Charles & Edwin..

... a-25

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Critchell, Miller, Whitney & Barbour, Chicago. a-24

..a-107

.a-107

Davis, Edgar M., St. Louis, Mo.

a-86

Dexter, R. P., Montgomery, Ala..

Des Moines Life Ins. Co., Des Moines, Ia.... XX

Le Blanc & Railey, Ltd., New Orleans..
Lee, Ralph W., Washington, D. C...
Leigh, L. B. & Co., Little Rock, Ark.
Life Ins. Co. of Virginia, Richmond.
Life Insurance Leaflets..

.xxxvi
.... a-57

a-18

a-6

xii

xxiv

Life Insurance Publications..

a-4

.......xxviii-xxix

Dicks, Arthur H., New Orleans.

Life Insurance Sayings....

a-56

xxi

Dow & Pinkham, Portland, Maine..

a-58

Dox, Charles E., Chicago...

a-25

Duer & Gillespie, New York..

.a-105

Loewenthal, Irwin S., New York.

Liverpool and London and Globe Ins. Co.....
Loeb, Adolph & Sons, Chicago..

xli

a-24

..a-105

Durbrow, James W., New York.

.a-107

Logue, C. M. & Bro., Pittsburg..

.a-134

Duval, E. B. & Co., Baltimore..

a-62

Low, Clarence F., New Orleans.

a-57

Elements of Life Insurance.

xxvii

Lucas, J. L. & Co., Chicago..

a-25

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McCay & Cortis, New York..

..a-108

.a-176

McGehee, C. C., Jr., Atlanta..

a-56

McIldowie, Geo. & Sons, Belfast, Ireland....a-178
Madeira, Louis C. & Sons, Philadelphia.
Manhattan Life of New York..

a-19

..a-133

Mann, C. J. & Co., New York.

15
.a-109

15

Mann, William B., New York.

..a-105

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We are in a class all to ourselves, being
the only company in the United States
writing Annuity Insurance exclusively, on
a scientific basis.

The Empire Mutual

Annuity and Life Insurance Co.

Atlanta, Ga.

You do not know

THAT YOU ARE GETTING BEST VALUE FOR YOUR SERVICES
UNTIL YOU HAVE CONSIDERED AN AGENCY PROPOSITION FROM

The Fidelity Mutual Life Insurance Company of Philadelphia

L. G. FOUSE, President.

SPECIAL COMPANY FEATURES: Original policies insuring policyholder's income and insurance premiums, or paying double insurance in case of death from accidental causes, or giving protection to husband and wife under the Home Protection Policy, etc.; an up-todate, live agency extended over the United States, and choice territory, enable the licensed agents of the Fidelity Mutual Life Insurance Company to average from 5 to 10% more business, as shown by several State Reports, than the licensed agents of any other Life Company. Write for agency proposition.

ALEXANDER MCKNIGHT, Vice-President.

INCORPORATED UNDER THE LAWS OF THE STATE OF PENNSYLVANIA

The Philadelphia

CASUALTY COMPANY.

Head Office: Fidelity Building, 112-116 N. Broad Street

DIRECTORS

L. G. FOUSE, President Fidelity Mutual Life.
CHARLES A. DANIEL, Rubber Manufacturer.
JOHN G. CARRUTH, Textile Manufacturer.
HOWARD M. VAN COURT, Mgr. Shoe & Leather
Mercantile Agency.

A. P. FLINT, with American Book Co.
CLARENCE M. BROWN, Lawyer.

J. P. HALE JENKINS, Lawyer, Norristown, Pa.
GEO. W. ROYDHOUSE, President.

GEO. W. KENDRICK, JR., Vice-President Third
National Bank.

DAVID MASTERS, Treasurer.
JOHN M. BOGGS, Vice-President.

OFFICERS

GEO. W. ROYDHOUSE, Pres.
JOHN M. BOGGS, Vice-President
and Agency Manager.
DAVID MASTERS, Treasurer.
R. S. KEELOR, M. D., Secretary.

...ISSUES...

The Most Liberal Policies

Insuring against Accident, Sickness, Plate Glass Breakage, Steam Boiler Explosion, Elevator Accidents, Team Accidents, Employers' Liability, Pub. lic Liability, Store Liability, Dwelling Liability, etc.

STATUTORY DEPOSIT OF $250,000 WITH INSURANCE DEPARTMENT OF PENNSYLVANIA LIBERAL CONTRACTS WILL BE MADE WITH AGENTS AND BROKERS

In Pennsylvania, New Jersey, Delaware, Maryland, Connecticut, Rhode Island, Massachusetts, Maine, Vermont, District of Columbia, Ohio, New York, Illinois, New Hamp shire, Wisconsin and West Virginia.

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S. STANLEY BROWN, Esq., General Manager and Secretary

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LIABILITY, ACCIDENT, HEALTH AND FIDELITY INSURANCE

The Pioneer of Liability Insurance in the world and a leader in ACCIDENT Insurance in America

Ready Reckoner

FOR

EARNED AND UNEARNED
PREMIUMS.

READY RECKONER FOR EARNED AND UN-
EARNED PREMIUMS. A Series of Tables
designed for the Speedy Calculation of the
Sums earned and unearned on Policies of In-
surance; by the late WILLIAM ELLSWORTH, Jr.,
formerly of the Continental Fire Insurance
Company.

This new and important work is designed to furnish representatives of Fire Insurance Companies the means for instantaneously computing earned and unearned premiums. The method is the simplest yet devised, and can be comprehended by any one who is competent to understand the easiest rules of arithmetic. The tables prepared furnish a ready-made answer to all the problems relating to premiums that underwriters are required to solve. WM. ELLSWORTH, Jr., author of the Ready Reckoner, is a well known mathematician, who was long connected with the Continental and Niagara fire insurance companies, and later with the Caledonian Insurance Company. THE READY RECKONER is the result of his daily experience, and is designed to simplify the calculations required of every underwriter. 12mo., 80 pp. Printed on fine paper and substantially bound in muslin.

Price, $5.00 Per Copy.

THE SPECTATOR COMPANY,
PUBLISHERS,

95 William Street, New York.

The Manhattan

OF NEW YORK

STRENGTH,

SECURITY,

SOLIDITY

ARE THE WATCH-WORDS OF THE COMPANY

Assets, $17,807,225.07
Surplus. 1,879,430.69

Live, energetic men are wanted
for several pieces of excellent terri-
tory Very interesting propositions
will be made to first class men

ADDRESS:

W. B. LANE. 2D VICE-PRESIDENT.

EVERY MODERN FORM OF POLICY ISSUED.

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