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SHOWING TABLES OF RATES FOR POLICIES IN GENERAL
USE; ALSO FORMS OF POLICIES ISSUED BY THE
LIFE COMPANIES AND THE CONDITIONS

BEARING UPON THEM.

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THE SPECTATOR COMPANY

135 WILLIAM STREET, NEW YORK.

1915.

Price, $2.50. Thumb-Indexed, $2.75.

8

4.76460

COPYRIGHT 1915 BY
THE SPECTATOR COMPANY

New YORK

INTRODUCTION.

The twenty-fourth annual edition of THE HANDY GUIDE TO PREMIUM RATES, APPLICATIONS AND POLICIES, covering the leading United States and Canadian life insurance companies, is presented with the confident assurance that it measures up to the high standard of thoroughness and completeness established from the first publication. The revision of policy forms and applications, modifications in premium rates and surrender values continues unchecked among numerous companies, and these changes are all shown in this edition of THE HANDY GUIDE. In addition to the changes in data of old companies, the work also contains an extensive variety of information concerning companies not heretofore listed. All available new data being included, THE HANDY GUIDE is therefore brought fully up to date and maintains its high reputation as an invaluable compendium of information regarding premium ratės, surrender values and policy forms of life insurance companies.

This work has long been recognized as an indispensable part of the equipment of every active life insurance agent, having proven itself on innumerable occasions to be worth many times its price. Although it consists of some 1300 pages, yet it is of convenient size for the pocket, as by using a specially fine quality of imported Bible paper, the size has been kept down to convenient proportions.

As the number of life insurance companies operating in the United States is still increasing, the publishers have again included several new organizations, thereby supplying agents throughout the entire country with detailed information concerning every possible important competitor. THE HANDY GUIDE for 1915 therefore contains particulars relating to one hundred and seventy companies (including five Canadian organizations). These constitute a large proportion of the companies operating on the American continent and include practically every company waging an active business campaign.

During the twenty-three years in which THE HANDY GUIDE has been in the hands of insurance field workers, its advantages have been highly appreciated, its arrangement and contents having been found admirably adapted to the purpose for which the book was originally devised. The twenty-fourth edition is therefore presented as the leading and most reliable work on policy forms, rates and values which a life insurance agent can use. April 15, 1915.

THE SPECTATOR COMPANY.

INSURANCE MATTERS.
(Corrected to April 1, 1915.)

STATE.

NAME AND ADDRESS.

TITLE.

Alabama..
John Surifoy Montgomery.

Insurance Commissioner Alaska

Chas. E. Davidson, Juneau. Secretary of Alaska Arizona.

Cleveland C. Thompson, Phænix. Superintendent ofInsurance Arkansas.

M.F. Dickinson, Little Rock. Aud. of State and Ins. Com. California.

J. E. Phelps, San Francisco. Insurance Commissioner Caual Zone. C. A. McIlvaine, Ancon.

Executive Secretary. Colorado.

Mrs. D. M. Rolph, Denver.. Asst. Superintendent of Ins. Connecticut.

Burton Mansfield, Hartford.. Insurance Commissioner Delaware... Wm. R. McCabe, Dover..

Insurance Commissioner District of Columbia Chas. F. Nesbit, Washington. Superintendent of Insurance Florida.

John C. Luning, Tallahassee. State Treasurer
Georgia.
W. A. Wright, Atlanta,

Insurance Commissioner Hawaii.

C. J. McCarthy, Honolulu... Insurance Commissioner Idaho..

George F. Steele, Boise City. Insurance Commissioner Illinois.

Rufus M. Potts, Springfield.. Superintendent of Insurance Indiana.

D.J. Crittenberger, Indianapolis. Auditor of State Iowa.

Emory H. English, Des Moines. Commissioner of Insurance Kansas.

Carey J. Wilson, Topeka.. Superintendent of Insurance Kentucky. M. C. Clay, Frankfort.

Insurance Commissioner Louisiana

Wm F. Millsaps Baton Rouge. Secretary of State Maine.

Erastus J. Carter, Augusta.. Insurance Commissioner Maryland.

W. Mason Shehan, Baltimore. Insurance Commissioner Massachusetts. Frank H. Hardison, Boston.. Commissioner of Insurance Michigan... John T. Winship, Lansing.

Commissioner of Insurance Minnesota. S. D. Works, St. Paul..

Commissioner of Insurance Mississippi. T. M. Henry, Jackson..

Insurance Commissioner Missouri.

C. G. Revelle, Jefferson City. Superintendent of Insurance Montana. Wm. Keating, Helena..

Commissioner of Insurance Nebraska L. G. Brian, Lincoln.

Insurance Commissioner Nevada.

George A. Cole, Carson City State Comptroller New Hampshire.. R. J. Merrill, Concord.

Insurance Commissioner New Jersey..

Geo. M. LaMonte, Trenton.. Insurance Commissioner New Mexico. Jacobo Chavez, Santa Fe..

Superintendent of Insurance New York..

Frank Hasbrouck, Albany., Superintendent of Insurance North Carolina James R. Young, Raleigh..

Insurance Commissioner North Dakota. W. C. Taylor, Bismarck.

Commissioner of Insurance Ohio..

Frank Taggart, Columbus. Superintendent of Insurance Oklahoma.

A. L. Welch, Oklahoma City. Insurance Commissioner Oregon.. Harvey Wells, Salem.

Insurance Commissioner Pennsylvania Chas. Johnson, Harrisburg.

Insurance Commissioner Philippine Islands.. James R. Rafferty, Manila.

Col. of Internal Revenue Porto Rico.

Allan H. Richardson, San Juan.. Treasurer of Porto Rico Rhode Island.

Charles C. Gray, Providence.. Insurance Commissioner South Carolina.. F. H. McMaster, Columbia.. Insurance Commissioner. South Dakota. O. K. Stablein, Pierre.

Insurance Commissioner Tennessee J. Will Taylor, Nashville.

Commissioner of Insurance Texas.

John S. Patterson, Austin... Com. of Ins. & Banking United States. W. C. Redfield, Washington, D. C. Sec. Dept. of Commerce Utah.

John James, Salt Lake City.. Insurance Commissioner Vermont.

Guy W. Bailey, Essex Junction.. Secretary of State

Walter F. Scott, Montpelier. State Treasurer
Virginia..
Joseph Button, Richmond.

Commissioner of Insurance
Washington
H. O. Fishback, Olympia..

Insurance Commissioner West Virginia. John S. Darst, Charleston.

State Auditor Wisconsin.

Herman L. Ekern, Madison.. Commissioner of Insurance Wyoming R. B. Forsyth, Cheyenne..

State Auditor

CANADA.

Dominion of Canada Geo. D. Finlayson, Ottawa.
Alberta.

W.F. Newson, Edmonton.
British Columbia.. Ernest F. Gunther, Victoria..
Manitoba.

A. E. Ham, Winnipeg.
New Brunswick. G. N. Babbitt, Fredericton.
Newfoundland. Geo. Bursell, St. Johns...
Nova Scotia.

Fred S. Mathers, Halifax.
Ontario

Arthur Boswell, Toronto.. Prince Edward Isl. A. Newbery, Charlottetown. Quebec..

Wm. Chubb, Quebec.... Saskatchewan.. Arthur E. Fisher, Regina..

Superintendent of Insurance
Superintendent of Insurance
Superintendent o Insurance
Inspector of Insurance
Deputy Provincial Treasurer
Accountant, Fin. Dept. '
Deputy Prov. Secretary
Superintenden tof Insurance
Assistant Prov. Treasurer
Superintendent of Insurance
Superintendent of Insurance

* Minister of Finance supervises life and accident companies only.

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