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GAGE, WILLIAM T., general agent for Michigan of the Northwestern Mutual Life Insurance Company, was born in the state of New York, March 16, 1844. He is a graduate of Dartmouth College, and while still an undergraduate served in the army, returning after the term of his enlistment expired and completing his course. After graduation he followed teaching as his profession until 1883. He was successively president of the Highland University, professor in the State University of Kansas, and principal of the Hartford Female Seminary. He entered the life insurance business as general agent of the Aetna Life for Michigan, and this position he held until 1889, when he resigned to accept the general agency for the Northwestern Mutual in the state of Michigan. He was president of the Michigan Life Insurance Agents Association in 1890-91.

GAMMONS, CHARLES W., life underwriter, was born at Cohasset, Mass., in 1865. He was educated in the public schools and is a graduate of the English High School, Boston. In 1883 he entered the service of James T. Phelps, general agent for Boston of the National Life of Montpelier, as a clerk. He was admitted on October 1, 1897, to partnership with Mr. Phelps and J. Howard Edwards, under the firm name of James T. Phelps & Co., state agents of the National Life. He has been a member of the executive committee of the Boston Life Underwriters' Association for several years, was vice-president in 1899, and president in 1900, and is president of the Cohasset Savings Bank, a director of the United States Trust Company of Boston, and a director of the National Life Insurance Company of Montpelier, Vt.

GANSE, FRANKLIN W., former agency vice-president of The Columbian National Life Insurance Company of Boston, is a native of New York City, where he was born May 31, 1859. He was educated in the New York public schools, St. Louis high school, and St. Louis law school, and engaged in the practice of law in Chicago. He was Chicago manager and supervisor of the central department of the Columbian National Life when appointed vice-president in 1905. He resigned office December 31, 1910, to become general agent for the company for eastern Massachusetts with headquarters in Boston.

GARDNER, WILLIAM J., manager American branch of the Ocean Accident and Guarantee Corporation, Limited, of London, Eng., is a native of Wisconsin, where he was born of American parentage, August 14, 1869. He was educated in the public and high schools, and studied law. He began his insurance career with the Fidelity and Casualty Company in Chicago in 1898, and three years later was appointed resident manager at Chicago for the New Amsterdam Casualty Com

pany. In 1904 he received the appointment of manager of the western department of the Etna Life with headquarters at San Francisco, and retained that position until 1906, when he was appointed resident secretary of the accident and liability department of the Etna Life in New York City, and resigned January 1, 1910, to become vice-president and general manager of the Commercial Casualty Company of Newark, N. J., and resigned January 1, 1912, to accept the position of assistant manager of the Ocean Accident and Guarantee Corporation, Limited, receiving his present appointment January 1, 1914.

GASTON, GEORGE H., second vice-president of the Metropolitan Life Insurance Company of New York, was, born at Newark, N. J., April 11, 1858. After a public school education he entered, at the age of sixteen, the service of the Prudential of Newark, where he learned the industrial system of life insurance. He became identified with the Metropolitan Life as office clerk in 1879, was promoted to head clerk, was elected secretary in January, 1891, was elected a director at the annual meeting of the stockholders, April 12, 1892, and at the next regular meeting of the board of directors on April 26, 1892, was elected second vice-president. He was then thirty-four years old. Holding the offices of secretary and second vice-president until May 17, 1894, he then resigned the secretaryship, and has since continued as second vice-president.

GEM CITY LIFE INSURANCE COMPANY, Dayton, O. Organized 1911; capital, $100,000. A. J. Conover, president; Gustave A. Becker, Jr., secretary and treasurer.

GENERAL ACCIDENT, FIRE AND LIFE ASSURANCE CORPORATION, Limited, of Perth, Scotland. United States department offices, New York City, N. Y. The company was organized in 1885, and transacts a world-wide business writing fire, life, and the general lines of casualty insurance. D. M. Mackey is chairman, F. Norie-Miller, J. P., general manager, and J. M. Allen, F. I. A., actuary and secretary. The company has an authorized capital of £1,250,000, of which £1,112,855 is subscribed and £362,855 paid in. The General entered the United States in 1899 making a statutory deposit of $250,000 with the Girard Trust Company of Philadelphia as United States trustee, and established its United States branch headquarters in Philadelphia, where it owns the building and site at Fourth and Walnut Streets. The United States branch offices were removed to New York City in 1912. The business of the United States branch is limited to the several classes of casualty insurance, and the corporation is indirectly interested in fire insurance in the United States through its ownership of the Potomac Fire Insurance Company of Washington, D. C. Business is transacted in practically all the states, and the statement of the United States branch for the year ending December 31, 1913, showed total admitted assets, $2,867,458.39; liabilities, $2,389,370.46; net surplus. $228,087.93; surplus to policyholders, $478,087.93; net premiums, $3,997,131.58; total income, $4,816,170.13; losses paid, $2,066,781.13; total disbursements, $4,521,451.94. An examination of the United States branch was made by the New York insurance department as of December 31,

1913, and the report was very favorable to the company, the examiners stating in conclusion: "The present condition of this corporation's United States branch shows a decided improvement over that reported by the previous examination. It is financially stronger. Its underwriting on the whole is conducted on sounder lines. Claims are promptly paid and the policyholders honestly dealt with." The United States branch officials are C. Norie-Miller, manager; Walter L. Schnaring and E. O. Howell, assistant managers.

GENERAL AGENCY ASSOCIATION OF THE EQUITABLE LIFE, of New York, was organized in 1905. The present officers, elected at the meeting at Atlantic City, N. J., in January, 1914, are: President, Thomas B. Sweeney, Wheeling, W. Va.; vice-presidents, George A. Rathbun, Los Angeles; E. L. Mosier, Philadelphia; Sheppard Homans, New York; R. Henry Lake, Memphis; William J. Keating, Minneapolis; Frank P. Chapin, Toledo; secretary, Courtney Barber, Chicago; treasurer, Charles E. Townsend, Boston.

GENERAL AGENTS ASSOCIATION OF THE NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. The present officers, elected at the annual meeting in Chicago, Ill., in March, 1914, are: President, Arthur J. Reeves, St. Paul; vice-president, Edward W. Allen, New York; secretary, T. W. Pomeroy, Pittsburgh.

GENERAL AGENTS ASSOCIATION OF THE STATE MUTUAL LIFE, Worcester, Mass. The present officers, elected at the eleventh annual meeting in June, 1914, are: President, John J. Kelly, St. Louis; vice-president, E. H. Carmack, Chicago; secretary and treasurer, Charles R. Gantz, Baltimore.

GENERAL MANAGERS' ASSOCIATION OF THE PHOENIX MUTUAL LIFE INSURANCE COMPANY was organized in May, 1904, and Jules Girardin was elected president; James S. Norris, vice-president, and Will A. Waite, Detroit, secretary. At the annual meeting held in Atlantic City, N. J., in September, 1913, officers were elected as follows: President, E. R. Putnam, Pittsburgh; vice-president, B. E. Ellis; second vice-president, O. S. Rogers; secretary and treasurer, Will A. Waite, Detroit, Mich.

GEORGE WASHINGTON LIFE INSURANCE COMPANY, Charleston, W. Va. Organized 1906; capital, $250,000. Harrison B. Smith, president; J. C. Riheldaffer, secretary. The company was organized as the Southern States Mutual Life, but changed its name to the present one July 1, 1914. Admitted assets, December 31, 1913, $774,954.52; total liabilities, $486,825.97.

GEORGIA CASUALTY INSURANCE COMPANY, Macon, Ga. Organized 1909; capital, $300,900. W. E. Small, president; É. P. Emerine, secretary.

GEORGIA, INSURANCE SUPERVISION IN, 1869-1914. The act creating an insurance department in Georgia was approved

March 19, 1869, the comptroller-general being charged with the duties of supervision as insurance commissioner ex officio. The officers, who are elected by the people for a term of four years, have been: Madison Bell, 1869-1873; W. L. Goldsmith, 1873; William A. Wright, appointed September 20, 1873, to fill vacancy, and elected for full term October, 1880, and re-elected for each term since.

GEORGIA ASSOCIATION OF LIFE INSURERS was organized by life insurance agents at Atlanta, October 12, 1892. Thomas Peters was the first president, and Clarence Angier the first secretary. The present officers, elected at the annual meeting in January, 1914, are: President, Oscar Palmour, Connecticut Mutual; vice-president J. H. Byerly; secretary and treasurer, Thomas Daniel.

GERMAN AMERICAN LIFE INSURANCE COMPANY, Omaha, Neb. Organized 1906. G. L. E. Klingbeil, president and actuary; D. D. Hall, secretary.

GERMAN AMERICAN LIFE INSURANCE COMPANY, Denver, Col. Organized 1911; cash capital, $171,540. J. C. Burger, president; Robert Brown, secretary and treasurer.

GERMAN AMERICAN LIFE INSURANCE COMPANY, Burlington, Ia. Organized in 1887 as an assessment company, re-organized as a level premium company in 1912. P. C. Naumann, president; Charles Blanke, secretary.

GERMAN COMMERCIAL ACCIDENT COMPANY, Philadelphia, Pa. Organized 1908; capital, $100,000. The company reinsured in the Pacific Mutual Life Insurance Company in April, 1914.

GERMANIA LIFE INSURANCE COMPANY, THE, New York. Organized 1860; capital, $200,000. Cornelius Doremus, president; Carl Heye, secretary. Assets, $49,748,862.04; total liabilities, $43,230,676.18.

GERMAN MUTUAL LIFE INSURANCE COMPANY, St. Louis, Mo. Organized 1857. N. Guerdan, president; Edwin J. Meyer, secretary. Admitted assets, December 31, 1913, $917,106.90; liabilities, $777,944.70.

GIBRALTAR LIFE INSURANCE COMPANY, Paris, Tex. Organized 1912; capital, $100,000. B. P. Bailey, president; E. B. Norment, secretary.

GIDDINGS, THERON F., general superintendent of agencies of the Michigan Mutual Life Insurance Company, was born at Kalamazoo, Mich., December 25, 1843. He was educated at Kalamazoo College; was a hardware merchant for twenty years, clerk of the Circuit Court of Kalamazoo county for twelve years, and receiver of the National City Bank of Marshall, Mich., in 1891. From 1893 to 1897 he was commissioner of insurance of Michigan. Since the latter year Mr. Giddings has been a member of the executive staff of the Michigan Mutual Life.

GILBERT, CHARLES E., secretary of the Aetna Life Insurance Company, is a native of Wallingford, Conn. He entered the office of the Aetna Life in August, 1868, and has served as bookkeeper, cashier, assistant secretary, and secretary, having been elected to the lastnamed office in February, 1905.

GIRARDIN, JULES, Chicago, Ill., Illinois manager of the Phoenix Mutual Life Insurance Company, is of French descent and was born in Galveston, Tex., June 6, 1855. He received a common school and collegiate education, and began his business career in fire insurance, later engaging in life insurance, and in October, 1890, was appointed to his present position. He was president of the Life Underwriters' Association of Chicago in 1910 and 1911, and is active in association affairs both local and national.

GIRARD LIFE INSURANCE COMPANY, Philadelphia, Pa. Organized 1907; capital full paid, $419,040. Nathan T. Folwell, president; Albert Short, secretary. Admitted assets, December 31, 1913, $995.321; total liabilities, $530,101.

GLADWIN, ELLIS W., vice-president and secretary of the Home Life Insurance Company of New York, was born in 1858 at Middletown, Conn., and was educated at the Polytechnic Institute, Brooklyn, and in Europe. He was engaged in the banking and brokerage business in Wall Street from 1879 to 1892, being a member of the firm of Gladwin & Co., members of the New York Stock Exchange. He was appointed secretary of the Home Life in 1892, and vice-president and secretary in 1905.

GLOBE INDEMNITY COMPANY, ized 1911; capital $750,000. Henry W. can Reid, secretary and general manager. $3,260,421; liabilities, $1,389,266.

New York, N. Y. OrganEaton, president; A. DunAssets, December 31, 1913,

GLOBE LIFE INSURANCE COMPANY, Jonesboro, Ark. Organized 1912. G. W. Puryear, president, A. M. Love, secretary.

GOODING, JOHN M., was born in Pownal, Me., September 18, 1857. When eight years of age he removed to Yarmouth, Me., with his parents, where he received his education, and where he was for many years engaged in the retail grocery business. In 1888 he moved to Portland, where he became general agent of the Northwestern Mutual Life Insurance Company. He remained with this company ten years, and in 1898 accepted the management for the state of Maine of the Union Central Life of Cincinnati. In May, 1909, he accepted an appointment with the Mutual Life insurance Company of New York as special agent for Maine.

GORE, JOHN K., vice-president and actuary of the Prudential Insurance Company, Newark, N. J., was born in Newark of American parentage, February 3, 1864. He was educated in the public schools