Twenty-Fifth Annual Edition
March, 1912

LIFE INSURANCE

MANUAL

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

emium Rates (Participating and Nonparticipating), 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 Ordinary Life; 10, 15
and 20-Premiums Life; 10, 15 and 20-Year Endowment;
and on 20-Premiums (First-Year Term and 19 Pre-
miums) Life and 20-Premiums (First-Year Term and
19 Premiums) Endowment Policies, American 3%
and 3%; Modified Preliminary Term and Select
and Ultimate Reserve Values on Life Policies
Paid-up in 20 Years on the American 3%
and 3%; and also on 1, 5, 10, 15 and
20-Year Term Policies, American
3% and 3%; Compound Inter-
est Tables, Etc., Etc.

PUBLISHED BY

A. J. FLITCRAFT

609-615 Maple Avenue, Oak Park, Ill., U. S. A.
Copyright 1912, by A. J. Flitcraft

April 1, 1906...

1897-1906.

Jan. 1897

Metropolitan..
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..
North American
N.American, N.J

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

Pacific Mutual. Jan. 1, 1908.
Penn. Mutual....May 1, 1902.
PhiladelphiaLife

Phoenix Mutual. Jan. 1, 1901.
Pittsburg Life...1903-1908.
Presbyterian.. Jan. 1, 1903..
Provident L.&T.

Jan. 1, 1901.
Jan. 1, 1903...
Aug. 28, 1907..

1845-1900.
1843-1907..
Jan. 1, 1903.

Prudential... Jan, 01-Aug. 07 Aug. 1, 1907...

1865-1903.
1876-1901.

June 1865

Jan. 1876

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

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 4-474); second, premium rates (pages 475-608); third, Letters Re Reserve Bases (pages 609-625), after which the alphabetical arrangement is:

C-Cash values, alphabetically as to companies...

E—Extended Insurancé,

626-755 756- 895 896-914

915-1048

.1056-1082

1083-1109

.1110-1125

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