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KALAMAZOO LIFE UNDERWRITERS' ASSOCIATION, Kalamazoo, Mich. The association was organized in April, 1914, and officers were elected as follows: President, T. Y. Sebring, Mutual Benefit; vice-presidents, J. E. Broyles and A. C. Gilbert; secretary and treasurer, F. W. Hough.

KANSAS ASSOCIATION OF LIFE UNDERWRITERS. [See Topeka, Kan., Association of Life Underwriters.]

KANSAS CITY CASUALTY COMPANY, Kansas City, Mo. Organized 1909; capital, $250,000. C. J. Schmelzer, president; Dennis Hudson, secretary and manager.

KANSAS CITY LIFE UNDERWRITERS' ASSOCIATION. [See Life Underwriters' Association of Kansas City, Mo.]

The

KANSAS, INSURANCE SUPERVISION IN, 1871-1914. insurance department of Kansas was established by act of March 9, 1871. The insurance superintendents are appointed by the Governor for a term of four years. The superintendents have been:

Ike S. Lewis is the present commissioner, appointed for the term ending 1915.

KEELOR, REINARD S., former vice-president of the Empire State Surety Company, New York, was born of German-American parentage in Upper Providence, Montgomery county, Pa., November 24, 1851. He is a graduate of Ursinus College and of Jefferson Medical College, class of 1875. He engaged in the practice of medicine and surgery, and was also a claim adjuster for several years. He organized the Philadelphia Casualty Company and was its secretary until October 30, 1907, and in that year he was elected vice-president of the Empire State Surety Company, having charge of the company's casualty business, but he resigned the position in December, 1910 and later accepted a position with the United States casualty company, and was appointed manager of the company's liability department in 1914. He

was chairman of the commitee on health statistics of the International Association of Accident Underwriters, and a member of the executive committee.

KENTUCKY, INSURANCE SUPERVISION IN, 1870-1914. The insurance bureau is a department of the state auditor's office, the official in charge being appointed by the state auditor for four years, bearing the title of insurance commissioner. The following is a list of the commissioners from the organization of the bureau:

M. G. Clay is the present commissioner.

KINGSBURY, FREDERICK H., general superintendent of the Globe Indemnity Company, New York, was born of American parentage at Oxford, Warren county, N. J., June 28, 1864. He received a common school education and began his business career as a salesman of mine and mill supplies. He was secretary of the Pennsylvania Casualty Company of Scranton, Pa., ten years, a position he resigned to become executive superintendent of the United States Casualty Company. He resigned that position in 1912 to accept his present one.

KINGSLEY, DARWIN P., president of the New York Life Insurance Company, was born at Alburgh, Vt., May 5, 1857, of English and French ancestry. He was graduated in 1881 from the University of Vermont, with the degree of A.B., and from the same institution received the degree of A.M. in 1884, and LL.D. in 1904. He was elected a trustee of the university in 1897. His experience with the outside world began with school teaching, but, removing to Colorado in 1881, he became a newspaper editor and took an active part in politics. He was a member of the Republican National Convention in 1884. For one term, 1887-8, Mr. Kingsley was auditor of state and superintendent of insurance of Colorado. At the expiration of his term of office he accepted an offer from the New York Life to join its forces in the East. He was connected with the company's Boston management 1889-91, and on the accession of Mr. McCall as president was called to the home office to take the important post of superintendent of agencies. In April, 1898, he was elected a trustee and third vice-president, and in 1903 vice-president, and was elected president in June, 1907. Mr. Kingsley is a director of the New York Trust Co., and of the National Surety Co., a trustee of the University of Vermont, and a member of the finance committee, and a director in the Citizens' Central National Bank of New York City.

KNOXVILLE ASSOCIATION OF LIFE UNDERWRITERS was organized in January, 1912, and officers elected as follows: President, T. S. McKinney; vice-presidents, H. C. Martin and W. B. Henderson; secretary and treasurer, R. G. Crowgey. The present offi

cers elected in January, 1914, are: J. N. Ellis, president; J. V. Rymer, vice-president; W. B. Henderson, second vice-president; G. F. Harrison, secretary; Elihu Anderson, J. W. Prevost, T. S. McKinney, E. R. Lutz, F. W. Flenniken, and the officers, executive committee.

KYLE, CHRISTOPHER, actuary, born in the town of Sligo, Ireland, July 11, 1832, and was educated at Queen's College, Galway. For many years after coming to this country he was a bank teller, first at St. Louis and afterwards at Memphis, Tenn. He was in the service of the Life Association of America, at St. Louis, from its foundation to its dissolution, and at the latter time was its actuary. He was the special agent in charge of life insurance statistics for the tenth United States census, 1880. Mr. Kyle is now in the office of the New York Life Insurance Company, and is a member of the Actuarial Society of America.

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LADUE, CHARLES A., secretary Security Mutual Life Insurance Company of Binghamton, N. Y., was born at Cold Springs, N. Y., March 26, 1854. He received a common school education, and entered the railroad business, beginning as a telegrapher. He was general eastern traveling agent of the fast freight lines, and went with "Security" as assistant secretary in 1887. He was elected to his present position in 1908.

LAFAYETTE LIFE INSURANCE COMPANY, La Fayette, Ind. Organized 1905. Bertram Day, president; W. W. Lane, secretary. Admitted assets, December 31, 1913, $820,161.64; total liabilities, $788,606.59.

LAFAYETTE MUTUAL LIFE INSURANCE COMPANY, Lumberton, N. C. Organized 1909; Wm. J. Beattie, Jr., president; E. E. Page, secretary and treasurer.

LAKEY, CHARLES D., insurance journalist, was born December 28, 1831, at Palmyra, N. Y. He attended the district school, and had a term at the Palmyra Academy before leaving home at the age of sixteen. He became an expert carriage smith after two years' apprenticeship, and worked at his trade during vacations while studying at the Macedon Academy and at the Genesee Wesleyan Seminary, Lima, N. Y. In 1854 he joined the North Ohio Conference of the Methodist Episcopal Church and in 1863 he withdrew from the conference owing to ill health, and went into business. Mr. Lakey's first work in life insurance was in the Cleveland agency of the Connecticut Mutual, where in eleven months the premium income advanced from $8,000 to $48,000. He was a general agent for the Phoenix Mutual in Chicago, for the State of Illinois from 1865 to 1868, in which year he founded both the Spectator and the American Builder. In 1883 he associated himself with Mr. Samuel H. Davis in the publication of Insurance, which he has continued since Mr. Davis' death in 1903.

LAMAR LIFE INSURANCE COMPANY, THE, Jackson, Miss. Organized 1906; capital stock, $104,730. W. Q. Cole, president; C. W. Welty, secretary.

LAMB, ROLAND O., president of the John Hancock Mutual Life Insurance Company of Boston, was born at Beverly, Mass., December 20, 1850. He received his education in the public schools of Beverly, and began business life as a bookkeeper in a manufacturing house, where he remained five years. In January, 1872, he entered the service of the John Hancock as a bookkeeper. In March, 1889, he became chief clerk of the company; in May, 1894, secretary (which position he resigned January 12, 1903), and in May, 1895, he was elected a director of the company and second vice-pesident. February, 1899, he was elected vice-president, and president, June 21, 1909.

LANDIS, ABB, consulting actuary and counselor, Nashville, Tenn., is a native of Tennessee and was born on a farm in Bedford county, August 9, 1856. He received a common school and college education, graduating from University of Nashville in 1875, followed by a post graduate course in Vanderbilt University, and graduated from Cumberland University, school of law, in 1879. He practiced law in Florida and Tennessee from 1880 to 1888, and also engaged in newspaper work in the meantime as editor and publisher, and in the latter year gave up his general law practice and engaged in life insurance work, which for the last twenty years has been devoted largely to fraternal insurance, and his services as consulting actuary and counselor have been sought by more than one hundred fraternal societies in the United States and Canada in the work of re-adjusting their rates, making valuations and assisting in litigation arising out of changes in contribution rates. He is also an extensive writer on insurance matters and the author of several books relating to fraternal and general life insurance.

LANG, GEORGE D., assistant secretary of the Massachusetts Mutual Life Insurance Company, has spent his entire business life in the service of the Massachusetts Mutual Life, starting as office boy and rising to his present position. He was born in Chicopee, Mass., December 18, 1857, and was educated in the public schools of Spring- · field.

LAW, FRANK E., vice-president of the Fidelity and Casualty Company, New York, was born in Brooklyn, N. Y., October 25, 1869. He graduated from the Stevens Institute of Technology, Hoboken, N. J., in 1892. He was employed by W. D. Forbes & Co., machinists and mechanical engineers, and became connected with the Fidelity and Casualty Company, January 1, 1893. He originated fly-wheel insurance, and has done important work in the development of actuarial methods adapted to liability and workmen's compensation insurance, and is the author of "A Method of Deducing Liability Rates," published in 1908, joint author with William Newell of "The Prevention of Industrial Accidents," published in 1909, and also the author of "Workmen's Compensation for Accidents," 1912, and A Review of Liability and Workmen's Compensation Loss Reserve Legislation," published 1913. He is a member Chamber of Commerce of the State of New York, American Society of Mechanical Engineers, National Civic Federation, Economic Club of New York, Lawyers' Club, Montclair Club, Montclair Athletic Club, Montclair Art Association.

LAWRENCE, THOMAS F., secretary of the Missouri State Life Insurance Company, St. Louis, was born in Hartford, February 5, 1877. He was educated in the public schools of Hartford, and was graduated from Yale University in the class of 1899. He began his insurance career with the Aetna Life Insurance Company soon after completing his college course, and entered the services of the Hartford Life in 1903. He was appointed assistant secretary of the company in the latter part of that year, and was elected secretary in September, 1907, and vice-president also in 1911. On the amalgamation