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Twenty-Fourth Annual Edition
March, 1911

LIFE INSURANCE

MANUAL

Application Agreements and Complete
Policy Forms of Seventy-Six
Life Insurance Companies

Premium Rates, Letters Re Reserve Bases, Cash Values, Extended
Periods, Loans and Paid-up Values. Reserve Tables, Preceded with
Net Premiums by the American 3%, 3% % and 4%, on Ordi-
nary Life; 10, 15 and 20-Premiums Life; 10, 15 and 20-Year
Endowment: and on 20-Premiums (First-Year Term

and 19 Premiums) Life and 20-Premiums (First-

Year Term and 19 Premiums) Endowment
Policies, American 3% and 32%. Also

on 1, 5, 10, 15 and 20-Year Term

Policies, American 3% and

3% %; Compound Inter-

est Tables, etc.

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609–615 Maple Avenue, Oak Park, Ill., U. S. A.

Copyright 1911, by A. J. Flitcraft

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Metropolitan.

Jan. 1, 1901...

1867-1901....

Jan. 1867

Michigan Mutual
Michigan State...

*Missouri State... Jan. 1, 1906..
Mutual Benefit ... Jan. 1, 1900..
Mutual Life... Jan. 1, 1907.
National U.S. A.

National, Vt.... Jan, 1, 1901
New Eng. Mut Jan, 1, 1908..
*New York Life... Jan, 1, 1898..
North American..
N. American N. J

Northwest'n Mut. Feb. 1, 1899..
Northwest'n Nat..

*Pacific Mutual, Jan. 1, 1908..
Penn. Mutual..... May 1, 1902..
Philadelphia Life..

Phoenix Mutual... Jan, 1, 1901.

Pittsburgh Life

Oct, 1905..

Jan. 1, 1903. 1901-1903...
Jan, 1, 1903...

Jan. 1, 1903.

67-03

Nov. 1867

Aug. 28, 1907..

Aug. 1907

1892-1906..

Dec. 1892

1845-1900

April 1845

1843-1907...

Feb. 1843

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Aug. 1868

1850-1901.

Feb. 1850

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1901-May, 1902

1847-1901.

May 1847

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Jan. 1903

1759-1901.

Jan. 1759

1865-1903...

June 1865

Prudential.....

*See official letters on other pages for additional information on reserve basis of the several companies; also the reserve basis of Canadian Companies,

1876-1901... Jan. 1876

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The Life Insurance Manual is a book of comparisons. When comparing policies of different companies, it is better to have no other subject matter intervening. This is also the case when comparing premium rates, cash values, extended insurance, loans, paid-up values, etc.

A suggestion as to arrangement will aid in the use of the Manual without the necessity of referring to the very complete index in the latter part of the book. First, policy forms alphabetically arranged as to companies (pages 4-471); second, premium rates (pages 472-607); third, Letters Re Reserve Bases (pages 608-625), after which the alphabetical arrangement is:

C-Cash values, alphabetically as to companies.

E-Extended Insurance,

L-Loans,

P-Paid-up Insurance,

626-776

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R-Reserve values, American 3 per cent.

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