of Newark and in Columbia University, from which he graduated in 1883. He later engaged in teaching and was principal of a scientific preparatory school. He entered the service of the Prudential in 1891, and was appointed assistant actuary in 1894, and actuary in 1897. He was elected a director of the company in 1907, and vice-president and actuary in 1912. He was a school commissioner of Newark. He is a Fellow of the Actuarial Society of America, and was elected president of the Society in 1908.

GRAND RAPIDS ASSOCIATION OF LIFE UNDERWRITERS, Grand Rapids, Mich., was organized at a meeting held in January, 1904, and the following officers were elected: President, A. B. Donelson, Aetna Life; vice-presidents, C. W. Ten Broek, Metropolitan, and A. M. Ashley, Union Mutual; secretary, A. Thorne Swift, Canada Lite; treasurer, E. G. Squires, Prudential. The present officers, elected in 1913, are: President, F. M. Wright, Equitable Life of Iowa; vicepresidents, A. H. Bennett, Provident Life and Trust, and P. H. Geldhof, Canada Life; secretary and treasurer, R. E. Billings, Massachusetts Mutual.

GRAY, EDWARD, third vice-president of the Prudential Insurance Company of America was born in England, February 16, 1861, and received a private school education. He entered the service of The Prudential in April, 1883, and served the company in various capacities in office and field. He was elected secretary in 1903 and to his present position in October, 1913.

GREAT EASTERN CASUALTY COMPANY, New York. Organized 1892; capital, $250,000. Louis H. Fibel, president; Thomas H. Darling, secretary. Admitted assets, December 31, 1913, $937,793; liabilities, $565,174.

GREAT NORTHERN LIFE INSURANCE COMPANY, Grand Forks, N. Dak. Organized 1910; capital, $125,000. Don McDonald, president; Fred L. Goodman and Jno. Wild, vice-presidents; S. B. E. Seese, secretary and general manager; E. J. Larder, treasurer; B. I. Carey, assistant secretary. Assets, December 31, 1913, $177,553.37; total liabilities, $177,553.37.

GREAT NORTHERN LIFE INSURANCE COMPANY, Wausau, Wis. Organized 1909; capital, $224,150. Neal Brown, president; William A. Fricke, vice-president and general manager; B. F. Wilson, secretary. Admitted assets, December 31, 1913, $460,532.59; liabilities, $221,864.76.

GREAT SOUTHERN LIFE INSURANCE COMPANY, Houston, Tex. Commenced business in 1909. Capital, $500,000. J. A. Rice, president; O. S. Carlton, vice-president; Chas. Boedeker, secretary.

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GREAT SOUTHERN LIFE INSURANCE Birmingham, Ala. Organized 1908; capital, $156,587.50. E. R. McDavid, president; A. L. Fairly, secretary. Admitted assets, December 31, 1913, $410,953; total liabilities, $194,820.

GREAT WESTERN ACCIDENT ASSOCIATION of Des Moines, Ia. Organized 1901. H. B. Hawley, president and general manager; R. D. Emery, secretary.

GREENE, JACOB HUMPHREY, second secretary of the Connecticut Mutual Life Insurance Company, was born in Pittsfield, Mass., June 10, 1868. He was educated in the Hartford public schools, St. Paul's School, Concord, N. H., and Trinity College, which he left after two years in 1889. He has been in the employ successively of the Michigan Central Railroad, Hartford Courant, and in the real estate business. He is an ex-member of the Hartford Common Council.

GUARANTEE COMPANY OF NORTH AMERICA, THE, Montreal. H. S. MacDougall, president; Henry E. Rawlings, manag ing director; Richard B. Scott, secretary. Admitted assets, United States branch, December 31, 1913, $1,055,321.20; liabilities, $133,530.21.

GUARANTEE LIFE INSURANCE COMPANY, Houston, Tex. Organized 1905; capital, $100,000. Jonathan Lane, president; John H. Thompson, vice-president and general manager; H. W. Cochnower, secretary and actuary.

GUARDIAN CASUALTY AND GUARANTY COMPANY, Salt Lake City, Utah. Organized 1909; capital, $250,000. W. S. McCornick, president; Thos. W. Sloan, secretary.

GUARDIAN LIFE INSURANCE COMPANY, Madison, Wis. Organized 1909; capital paid in, $108,660. George A. Boissard, president; C. M. Putnam, secretary.

GUARANTY LIFE INSURANCE COMPANY, Davenport, Ia. Organized 1903 as a mutual company, reorganized 1910 as a stock company; capital, $100,000. August E. Steffen, president; L. J. Dougherty, secretary and general manager. Admitted assets, December 31, 1913, $389,720.20; total liabilities, $289,720.20.

GULF COAST LIFE INSURANCE COMPANY, Gulfport, Miss. Organized 1911: capital paid in, $96,460. M P. Bouslog, president; F. E. Cottrell, vice-president and secretary.

H

HADLEY, GEORGE F., agent of the Mutual Benefit Life Insurance Company, was born in the city of New York, October 20, 1850, of mixed English, Irish, and French ancestry. He received his education in private schools and Gonzaga College, Washington, D. C., was a drummer boy of a New York regiment during the last part of the Civil War, and a hotel clerk and manager during the earlier years of his business life. His connection with life insurance began in 1880 in the Prudential Insurance Company of Newark, in which he remained as inspector, superintendent, and supervisor until 1886, when he entered the service of the Brooklyn Life as agency superintendent. In 1894 he was elected secretary and made a member of the board of directors. In December, 1898, he was selected by the Mutual Benefit Life Insurance Company to take care of its great interests in New York state, succeeding W. W. Byington, state agent, deceased. Mr. Hadley has been prominent in all life insurance association affairs. He had been treasurer and president of the New York Association, secretary, executive committee chairman, and president of the New Jersey Society, and was secretary of the National Association until appointed isecretary of the Brooklyn Life in 1895, which compelled him to decline re-election. In July, 1906, he retired from active managerial work to devote considerable of his time to travel and leisure after twenty-five years successful life insurance work. He, however, continues in the service of the Mutual Benefit as a large personal writer.

HALL, ARCHIBALD G., insurance journalist, was born in the city of New York, December 6, 1862, and obtained his education in the public schools and the College of the City of New York. Leaving college he went into the service of the American News Company, and afterward to that of the American Agriculturist. His relations with the insurance business began in the office of the Mutual Fire Insurance Company of New York, and he was a fire insurance broker and licensed agent three years. Mr. Hall founded in New York The Surveyor, and began its issue September 17, 1892. He associated with him in 1893 Mr. Harvey E Roberts, who retired from the firm on December 3, 1902, to enter the life insurance business and The Surveyor is now again conducted by Mr. Hall, as editor and publisher. In 1907 he was elected President of the Insurance Herald Company, which corporation publishes the Insurance Herald of Atlanta. He is a member of the Insurance Society of New York, Underwriters Club, New York Press Club, Once-a-Year Club, and the Atlantic Highlands Casino.

HALL, ORVILLE H., manager Southeastern Underwriter, was born September 18, 1869, in West Bolton, Vt., and at the age of ten he began making his own way by working as a farm hand during the summer and attending the public schools and the Essex Classical Institute during the winter, and later became a clerk in a general

merchandise store, assisting with the post-office and in the town clerk's office. In 1888 he removed to Dahlonega, Ga., and entered the business department of the North Georgia Agricultural College, from which he later graduated, and after several years' experience in wholesale and jobbing houses in Atlanta he engaged in the mercantile lumber, and gold-mining business as secretary and treasurer of the Frank W. Hall Merchandise Company at Dahlonega, Ga. During this time he became part owner and associate editor of the Dahlonega Nugget. In 1898 he returned to Atlanta and purchased a part interest in the Southeastern Underwriter, later acquiring full interest, to which he has since given his entire time and attention.

HAMILTON, ISAAC MILLER, president of the Federal Life Insurance Company of Chicago, Ill., was born in Ash Grove, Iroquois county, Ill., September 6, 1864, and was educated in the public schools and under private tutors. He began his business life in general merchandising and live stock business, and later entered the banking business. He is president of Young's & Hamilton's Bank, and was elected a member of the Illinois Senate in 1896. He has been president of the Illinois League of Republican Clubs and also president of the National League of Republican Clubs. He was president of the American Life Convention, having been elected at the annual meeting in 1909.

HANSEN, T. LOUIS, superintendent of agencies of the Germania Life Insurance Company, was born in Denmark, April 8, 1875. He was educated in private and government schools of Denmark, and came to the United States at the age of seventeen, where, after several years' varied experience he entered the employ of Missler & Krimmert, foreign bankers and steamship brokers. He began his life insurance career with the Germania Life, serving the company in both the actuarial and agency departments, and was appointed to his present position in 1914. He is a resident of Montclair, N. J.

HARDIN COUNTY (KY.) ASSOCIATION OF LIFE UNDERWRITERS. The association was organized in 1914 with headquarters at Elizabethtown, Ky., and with the following officers: President, Eugene Stuart, Union Central; vice-president, C. E. Bunnell, Metropolitan Life; secretary and treasurer, D. M. Cooper, Mutual Benefit.

HARDISON, FRANK H., insurance commissioner of Massachusetts, is a native of Boston, where he was born of American parentage, September 3, 1849. He was educated in the common schools and graduated from Dartmouth College in the class of 1876. He engaged in teaching and in newspaper work for a number of years, and in 1896 was appointed examiner in the Massachusetts insurance department. A year later he was appointed deputy commissioner, and was appointed to his present position in 1907 to succeed Commissioner Cutting.

HARPER, WILLIAM R., formerly vice-president and general manager of the South Atlantic Life Insurance Company, was born at Thomasville, Ga., June 27, 1874. He attended the Georgia School

of Technology at Atlanta, Ga., and was for some time manager of a cotton-seed oil mill. He was manager for Georgia for the Aetna Life from 1897 to 1901, and was elected third vice-president and general manager of the South Atlantic Life in 1901, and first vice-president in 1903. He resigned in 1904 and accepted a position with the Equitable Life at Philadelphia as general agent. He was appointed manager Philadelphia office, Aetna Life, in June, 1905.

HARRELL, ARTHUR E., was born at Cambridge, N. Y., October 11, 1873. Coming from the daily newspaper business he joined the staff of the Chronicle in September, 1895, became editor in 1897, and continued until March, 1903, when he retired from that paper. In September of the same year, he took charge of the Insurance Critic as its editor and manager, but resigned in 1906, and was for a short time thereafter associated on the Journalist. In 1907 he became connected with the United States Casualty Company, and later returned to daily newspaper work. He is at present insurance editor of the New York Commercial.

HARRIS, WILLIAM HUGH, vice-president and general manager of the Casualty Department for the Fidelity and Deposit Company of Maryland, was born at Binghamton, N. Y., May 6, 1884. He was educated in the public schools, and at Phillips Academy, Andover, Mass., and graduated from Yale in 1906. He began his business career in Binghamton, and later engaged in the insurance brokerage business in New York City as a member of the firm of Briggs & Harris. After several years' experience in the brokerage and agency ends of the business, Mr. Harris joined the Fidelity & Deposit when that company entered the Casualty field in January, 1911. In August, 1912, he was made vice-president of the Fidelity & Deposit and general manager of the Casualty Department. Mr. Harris is also a member of the Executive Committee of Citizens' Fire Insurance Company.

HARTFORD ACCIDENT AND INDEMNITY COMPANY, Hartford, Conn. Organized 1913; capital, paid up, $750,000. R. M. Bissell, president; Norman R. Moray, vice-president and general manager; James L. D. Kearney, secretary; W. G. Falconer, assistant secretary.

HARTFORD LIFE INSURANCE COMPANY, Hartford, Conn. Organized 1866. John G. Hoyt, president; C. W. Benton, vice-president; E. R. Ingraham, secretary. Does not write new business.

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HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY was incorporated June 30, 1866. Capital, $1,000The object of the corporation is not simply to indemnify the owners of boilers and fly-wheels for loss resulting from explosions, but to prevent such explosions, as far as practicable, by careful periodical inspection of all boilers under its care, made by experts in this special line of business.