Ill.

Ralph B. Coit, Jefferson Standard Life Insurance Company, Greensboro, N. C. Henry Richmond Corbett, B. Sc., Ph. M., Insurance Exchange Building, Chicago,

Isaac Davenport, Pan-American Life Insurance Company, New Orleans, La. Frederick Adams Draper, 804 St. Paul Building, Cincinnati, Ohio.

Earl O. Dunlap, Pittsburgh Life and Trust Company, Pittsburgh, Pa.

John Maynard Emery, M.D., A. A. S., Des Moines, Iowa.

Saul Epsteen, Wiggins, Colo.

James Fairlie, Insurance Department, Springfield, Ill.

William A. Fricke, M. D., LL. B., Great Northern Life Insurance Company, Wausau Wis.

Richard Fondiller, 1 Madison Ave., New York City, N. Y.

James Waterman Glover, B. L., Ph. D. (Mem. Am. M. Soc., Deutscher Verein fur Ver.-Wiss.), 620 Oxford Road, Ann Arbor, Mich.

Mo.

Colo.

William H. Gould, 149 Broadway, New York City, N. Y.

George Graham, Jr., Actuary, Missouri State Life Insurance Company, St. Louis,

Winfield W. Green, Colorado State Compensation Insurance Fund, Denver,

Frank J. Haight, 813 Hume-Mansur Building, Indianapolis, Ind.

Alfred G. Hann, Pacific Mutual Life Insurance Company, Los Angeles, Cal.

Julian C. Harvey, 1510 Chemical Building, St. Louis, Mo.

Carl E. Herfurth, Montana Life Insurance Company, Helena, Mont.

John E. Higdon, A. B. (Mem. A. M. S., Am. A. A. A., Ind., A. S.), Great Republic Life Insurance Company, Los Angeles, Cal.

I. Smith Homans, A. A. S., Commonwealth Life Insurance Company, Louisville, Ky.

Charles Hughes, New York Insurance Department, New York City, N. Y. Edward Wyllys Hyde, B. C. E., C. E., Columbia Life Insurance Company, Cincinnati, Ohio. Virgil M. Kime, A.B., A. A. S., The Travelers Insurance Company, Hartford, Conn. James McIntosh, Minnesota Mutual Life Insurance Company, St. Paul, Minn. Malcolm McNeill, Ph.D., Lake Forest College, Lake Forest, Ill. Franklin B. Mead, Lincoln National Life Insurance Company, Fort Wayne, Paul Vaughn Montgomery, A. B., Fort Worth Life Insurance Company, Fort Worth, Tex.

Ind.

Ill.

William O. Morris, North American Life Insurance Company, Chicago, Ill.
William E. Napier, Scranton Life Insurance Company, Scranton, Pa.

Joseph Howard Nitchie, A. B., F. A. S., Room 1219, 19 So. La Salle, St., Chicago.
Bernard Robert Nueske, Old Colony Life Insurance Company, Chicago, Ill.
Robert Kelly Orr, State Insurance Department, Lansing, Mich.
George B. Pattison, Peoria Life Insurance Company, Peoria, Ill.

S. L. Phelps, State Life Insurance Company, Indianapolis, Ind.

Thomas A. Phillips, Minnesota Mutual Life Insurance Company, St. Paul,

Minn.

Albert G. Portch, Franklin Life Insurance Company, Springfield, Ill. Joseph B. Reynolds, Kansas City Life Insurance Company, Kansas City, Mo. Henry Lewis Rietz, B. Sc., Ph. D., F. A. A. S., (Mem. A. M. S.), University of Illinois, Urbana, Ill.

J. Charles Rietz, State Life Insurance Company, Indianapolis, Ind.

John Francis Roche, F. A. S., Manhattan Life Insurance Company, New York City. George Roslington, F. C. A., A. I. S., Occidental Life Insurance Company, Albuquerque, N. M.

George W. Sanders, Michigan Mutual Life Insurance Company, Detroit, Mich. Jacob Charles Seitz, A. B., Security Life Insurance Company of America, IIOI Rookery Building, Chicago, Ill.

Andrew Segtenhorst, Texas Life Insurance Company, Waco, Texas.
A. A. Speers, Phoenix Mutual Life Insurance Company, Hartford, Conn.
Calvert F. Stein, Maryland Life Insurance Company, Baltimore, Md.
Bert J. Stookey, Illinois Life Insurance Company, Chicago, Ill.

Cal.

Gordon Wm. Thomson, San Francisco Life Insurance Company, San Francisco,

Carleton M. Vail, A.B., 1003 Westminster Building. Chicago, Ill.
Henry Sherman Vail, 110 So. Dearborn St., Chicago, Ill.

Mo.

Geert Andries Van der Sluis, Midland Insurance Company, St. Paul, Minn.
Harris E. Vineberg, A. A. S., 1137 First National Bank Building, Chicago, Ill.
William A. Watt, Southern Life and Trust Company, Greensboro, N. C.
Robert Montague Webb, Kansas City Life Insurance Company, Kansas City,

Iowa.

Romeo M. Wilbur. 549 Railway Exchange Building, Chicago, Ill.
Frederic Scherer Withington, consulting actuary, Securities Building, Des Moines.

Paul Livingston Woolston, B.S., 1636 E. Eighth Ave., Denver, Colo.
J. H. Woodward, State Industrial Commission, 230 Fifth Ave., New York City

N. Y.

AMERICAN

ASSOCIATION OF ACCIDENT UNDERWRITERS. [See Health and Accident Underwriters Conference.] AMERICAN EXPERIENCE TABLE OF MORTALITY

COMPANY, Indianapolis,

Ind.,

AMERICAN LIABILITY executive offices, Cincinnati, Ohio. Organized 1910; capital, $100,000. J. A. Johnston, president; Wm. B. Schawe, P. F. Jamieson, G. W. Burnett, vice-presidents; W. R. Sanders, secretary and general manager; William Fowler: treasurer: W. G. Middleswart, assistant treasurer; Cameron H. Sanders, assistant secretary. The company transacts accident and health insurance exclusively.

AMERICAN LIFE AND ACCIDENT INSURANCE COMPANY, Kansas City, Mo. Organized 1899; reorganized as a stock

company, 1907; capital, $200,000. The company was merged in the Pioneer Life Insurance Company of Kansas City, in 1918.

AMERICAN LIFE CONVENTION was organized in 1905 by the officers of life insurance companies of the western and southern states. The first annual meeting was held at Lookout Mountain, Tenn., September 29 and 30, 1906, and officers were elected as follows: President, Charles E. Dark, American Central Life of Indianapolis; secretary, T. W. Blackburn, Omaha.

The second annual meeting was held in Indianapolis, September 5, 6, and 7, 1907, and B. H. Robison, Bankers Reserve Life, Omaha, was elected president.

The third annual meeting was held at Denver, Col., August 19, 20, and 21, 1908. Samuel B. Smith, Volunteer State Life, Chattanooga, Tenn., was elected president.

The fourth annual meeting was held at Cincinnati, Ohio, October 7 and 8, 1909. Isaac Miller Hamilton, Federal Life, Chicago, was elected president.

The fifth annual meeting was held at Des Moines, Ia., September 15, 16, and 17, 1910. Thomas W. Vardell, Southwestern Life, Dallas, Texas, was elected president.

The sixth annual meeting was held in Pittsburgh, Pa., September 20, 21, and 22, 1911. P. D. Gold, Jr., Jefferson Standard Life, Raleigh, N. C., was elected president.

The seventh annual meeting was held in Chicago, Ill., September 4, 5, and 6, 1912. W. A. Lindley, Security Mutual Life, Lincoln, Neb., was elected president.

The eighth annual meeting was held in St. Paul, Minn., August 20, 21, and 22, 1913. Henry Abels, Franklin Life, Springfield, Ill., was elected president.

The ninth annual meeting was held in Dallas, Texas, October 7, 8, 9, and 10, 1914. E. W. Randall, Minnesota Mutual Life, Minneapolis, Minn., was elected president.

The tenth annual meeting was held in Monterey, Cal., September 30 and October 1 and 2, 1915. G. A. Grimsley, Jefferson Standard Life, Greensboro, N. C., was elected president.

The eleventh annual meeting was held in St. Louis, Mo. September 14, 15, and 16, 1916. Charles F. Coffin, State Life, Indianapolis, Ind., was elected president.

The twelfth annual meeting was held at Grand Rapids, Mich., August 8, 9, and 10, 1917. President Coffin presided and in his address gave a review of life insurance, which at its start was of the nature of purely personal ventures which he characterized as the experimental stage, which extended down to the close of the seventeenth century. This was followed by the speculative or transitional period in the first quarter of the eighteenth century, and this by a period of scientific exactitude, or the present. President Coffin sketched briefly the development of life insurance in this latter period,

and what its development means, and discussed briefly some of the unsolved problems, the questions of the day affecting life insurance. The most serious problems were taxation and governmental supervision. The former was most acute, and vitally affected the institution of life insurance. The president said he referred to the subject merely that attention might be focussed on the speediest settlement of the problem, and referred to the appointment of a joint committee of the two national organizations of life underwriters and the convention of state insurance commissioners, as an important and timely step towards solving the problem of taxation. President Coffin concluded his address with a reference to the activities of the association and life underwriters individually in aid of the government's war activities, and added the life insurance business would meet whatever patriotic duties they were called to perform.

Secretary Blackburn presented a report giving a statement of the finances and reviewing the work and activities of the office for the year. Reports from standing committees were also presented. The sessions of the convention were devoted largely to the presentation of papers, with discussions, on the following topics: Home Office Efficiency; (a) " Home Office Organization," by H. A. Kopf, Phoenix Mutual Life, Hartford; (b) “Educating the Employe," by Charles G. Taylor, Atlantic Life, Richmond, Va.; 'Home Office Duties to Policyholders," (a) "When the Policyholder is New," by Frank P. Manly, Indianapolis Life; (b) "When the Policyholder is Old," by Emmet C. May, Peoria Life; "The Payment of Claims; (a) "Ordinary Payments," by G. W. Steinman, Midland Mutual Life, Columbus, O.; (b) "Extraordinary Payments," by George Fowler, Bankers Life, Des Moines. There was also a five minute discussion of the subject, Elimination of Waste in Agency Management," by H. R. Cunningham, Montana Life; A. D. Hindman, American Life, Des Moines; E. S. Chadwick, Idaho State Life; J. P. Sullivan, Farmers' and Bankers Life, Wichita, Kansas; and R. W. Stevens, Illinois Life.

44

Officers were elected as follows: President, Harry L. Seay, Southland Life, Dallas, Texas; secretary and general counsel, T. W. Blackburn, Omaha, Neb.; executive committee, G. A. Grimsley, Jefferson Standard; Henry Abels, Franklin Life; H. L. Seay, Southland Life; (elected 1917), Č. F. Coffin, State Life; E. W. Randall, Minnesota Mutual; J. B. Reynolds, Kansas City Life; E. G. Simmons, PanAmerican Life.

State vice-presidents were elected as follows: Alabama, William D. Jelks, Protective Life; Arkansas, A. B. Banks, Home Life & Accident; California, J. R. Whisner, California State Life; Colorado, Thomas F. Daly, Capitol Life; Georgia, Wilmer L. Moore, Southern States Life; Idaho, Edwin S. Chadwick, Idaho State Life; Illinois, A. M. Johnson, National Life, U. S. A.; Indiana, E. O. Burget, People's Life; Iowa, C. B. Svoboda, Cedar Rapids Life; Kansas, E. E. Sallee, Bank Savings Life; Kentucky, W. W. Moore, Inter-Southern Life: Louisiana, Crawford H. Ellis, Pan-American Life; Michigan, W. A. Watts, Merchants Life; Minnesota, John T. Baxter, Northwestern National Life; Mississippi, W. Q. Cole, Lamar Life; Montana, H. R. Cunningham, Montana Life; Nebraska, R. L. Robison, Bankers

Reserve Life; New Hampshire, S. W. Jameson, United Life & Accident; New Mexico, George Roslington, Occidental Life; North Carolina, C. C. Taylor, Jefferson Standard Life; Ohio, John M. Sarver, Ohio State Life; Oklahoma, O. E. McCartney, Oklahoma National Life; Missouri, James A. McVoy, Central States Life; Oregon, S. P. Lockwood, Columbia Life & Trust; Pennsylvania, Frank A. Wesley, Standard Life; South Carolina, T. Oregon Lawton, Jr., Southeastern Life; South Dakota, C. W. Martindale, First National Life; Tennessee, E. Leon Porter, Volunteer State Life; Texas, A. H. Rodes, Two Republics Life; Utah, H. C. Edwards, Continental Life; Virginia, Edmund Strudwick, Atlantic Life; Washington, W. M. McConnell, Western Union Life; West Virginia, Harrison B. Smith, George Washington Life; Wisconsin, Rupert F. Fry, Old Line Life.

The Convention has organized medical and legal sections, which hold meetings independently of the Convention itself, and have their own officers. The legal section elected officers as follows: Chairman, H. B. Arnold, Midland Mutual, Columbus, Ohio; secretary, E. M. Grossman, Central States Life, St. Louis Mo. Papers were read as follows: Total Disability Clauses," H. B. Arnold; of Forfeitures," E. M. Grossman.

Waiver

The officers of the medical section, elected at a meeting held in Richmond, Va., in March, 1918, are: Chairman, Dr. G. V. Woollen, American-Central, Indianapolis, Ind.; vice-chairman, Dr. C. N. McCloud, Minnesota Mutual, St. Paul, Minn.; secretary, Dr. F. L. B. Jenney, Federal Life, Chicago, Ill. Papers were read as follows: "Double Inspection of Risks," Edward M. Veatch, Southern States Life, Atlanta, Ga.; 'Inspection of Risks," Dr. F. Maxwell Foshey, Mutual Life, N. Y.; Sub-standard Risks," Franklin B. Mead, Lincoln National Life.

64

AMERICAN LIFE INSURANCE COMPANY, Des Moines, Iowa. Organized 1899 as the American Life Association, reorganized in 1900 as a legal reserve company; capital, $200,875. H. J. Klemme, president; A. D. Hindman, C. J. Fulton, M. E. Latta, E. P. Barringer, vice-presidents; J. C. Griffith, secretary and agency manager; H. A. Bryan, treasurer and assistant secretary; Dr. J. M. Emery, consulting actuary; L. Hezzlewood, general field superintendent; Dr. E. E. Dorr, medical director.

AMERICAN LIFE INSURANCE COMPANY, Denver, Col. (formerly the German-American Life Insurance Company). Organized 1911; cash capital, $192,410.00. J. C. Burger, president; C. E, Youker, vice-president; Robert Brown, secretary, treasurer, and general manager; J. B. Krutza, assistant secretary; O. L. Gambrel. superintendent of agents; Dr. F. N. Cochems, medical director.

AMERICAN MUTUAL COMPENSATION INSURANCE COMPANY, New York, N. Y. Organized 1914. The company was merged with the American Mutual Liability Insurance Company, Boston, in 1917.