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

368,308
ST4

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 rates, 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.

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* Minister of Finance supervises life and accident companies only.

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