44 • Uses a known truth to pass a thousand nothings with." ILLUSTRATIONS OF RESULTS, PREMIUM RATES, CASH VALUES, WITH RESERVE TABLES, ACTUARIES' 4%, AMERICAN 3%, 3%, 4% AND AND 20-YEAR TERM ACTUARIES' 4%, COMPOUND FOR AGENTS' USE. PUBLISHED BY A. J. FLITCRAFT, 609-615 Maple Avenue, Oak Park, III., U. S. A. Copyright, 1903, by A. J. Flitcraft. 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, etc. A suggestion as to arrangement will aid in the use of the Manual without the necessity of constantly referring to the very complete index in the latter part of the book (pages 1129-1151). First, policy forms alphabetically arranged as to companies (pages 4-396); second, premium rates (pages 407-645), followed by illustrations of actual results in the leading deferred dividend companies (pages 646-671) after which the alphabetica: arrangement is: PAGES. C = Cash values, alphabetically as to companies... 672- 763 ་་ " 764- 861 862-933 934-1015 E L= Reserve values, actuaries' 4 per cent........ 1022-1045 " Another advantage is that at a glance in the subdivision covering extended insurance one can determine what companies have, as well as those that have not, extended insurance. Also under paidup insurance, if the 20-premiums life or 20-year endowment forms are not for proportional amounts, a full page is published of paid-up values for each (see pages 977-979; 990-992, etc.). If the limited premiums life and endowments have paid-up values for proportional amounts, a foot-note on page of paid-up values for life policies gives the information. See pages 954, 975, 981, etc. The foregoing are only a few of the several reasons which might be enumerated to show the superiority of our arrangement over any other plan. Manhattan, of New York... Maryland Life, Baltimore, Maryland.. Massachusetts Mutual, of Springfield, Mass. Metropolitan Life, of New York.. Michigan Mutual, of Detroit, Mich. Mutual Benefit, of Newark, N. J.. ... Mutual Life, of New York. National, of Montpelier, Vt.... National Life U. S. A., Chicago, Ill.. New England Mutual, of Boston, Mass. New York Life, of New York. North American, Toronto, Canada.. Northwestern Mutual, of Milwaukee, Wis. Pacific Mutual, of California... Penn Mutual, of Philadelphia, Pa. Phoenix Mutual, of Hartford, Conn.. COMMENCED BUSINESS January, 1850 December, 1862 July, 1865 August, 1851 January, 1867 August, 1867 April, 1845 .February, 1843 .February, 1850 ..August, 1868 December, 1843 ...April, 1845 January, 1881 November, 1858 January, 1868 May, 1847 May, 1851 Provident Life and Trust Co., of Philadelphia, Pa.....June, 1865 Security Trust and Life Insurance Co., New York.. Sun Life, Montreal, Canada.. State Mutual, of Worcester, Mass. .March, 1886 January, 1887 July, 1895 May, 1871 June, 1845 Travelers, of Hartford, Conn... Union Central, of Cincinnati, Ohio. Union Mutual, of Portland, Me. United States, of New York.... Washington, of New York.. July, 1866 March, 1867 October, 1849 March, 1850 February, 1860 RENEWABLE TERM POLICY. No. 964,317. AGE 35. ETNA LIFE INSURANCE COMPANY, AMOUNT, $10,000. ANNUAL PREMIUM, $189.80. This Policy of Insurance Witnesseth; that the Etna Life Insurance Company, in consideration of the statements, answers and warranties contained in or endorsed upon the application for this Policy, which application is copied hereon and made a part of this contract, and in further consideration of the Annual Premium of One Hundred Eighty-nine Dollars and Eighty Cents, to be paid to it at or before five o'clock P. M., of the First day of January in each and every year during the continuance of this Policy, hereby insures the life of Henry Brown, hereinafter called the Insured, of Oak Park, County of Cook, State of Illinois, for the term of Ten Years from the date hereof, ending on the First day of January, 1911, at five o'clock P. M., in the sum of Ten Thousand Dollars; payable on the surrender and discharge of this Policy at the Home Office of said Company in Hartford, Conn., on receipt and approval of proofs of the death of the said Insured during the continuance of this Policy, and any indebtedness to said Company on account of this Policy or any premium for the current year remaining unpaid shall first be deducted therefrom. The said sum insured shall be payable to his wife, Mary Brown, or in event of her death before this, to his executors, administrators, or assigns. The beneficiary above designated may be changed at any time during the continuance of this Policy, provided the Policy is not then assigned and is then returned to said Company with a request for such change legally executed by the Insured on a form to be furnished by said Company for that purpose. After one year from the date hereof, all matured premiums having been paid, as herein required, and the age correctly stated in the application, this Policy shall be indisputable except for Army or Naval service without a permit. This Policy is issued and accepted subject to the conditions, provisions, and benefits printed on the reverse of this page, which are hereby referred to and made a part hereof. In Witness Whereof, the said Ætna Life Insurance Company has, by its President and Secretary (or Asst. Secretary), signed and executed this contract in the City of Hartford, and State of Connecticut, this First day of January, 1901. J. L. ENGLISH, Secretary. M. G. BULKELEY, President. CONDITIONS, PROVISIONS, AND BENEFITS WHICH ARE MADE A PART OF THE WITHIN POLICY. Premium Grace in payment of premiums. Conditions applicable during the first year only. Service in Army or Navy. How Term may be renewed. SECTION 1. This Policy shall not take effect until the first premium hereon shall have been actually paid during the lifetime and good health of the Insured and within sixty days from the date hereof, a receipt for which payment shall be the delivery of this Policy. If any subsequent premium be not paid when due then this Policy shall cease and determine subject to the nonforfeiting features hereinafter described; except that a grace of thirty days, during which time the policy remains in full force, will be allowed for the payment of any premium, after the first, provided that with the payment of such premium interest is also paid thereon for the days of grace taken; but for any reckoning hereinafter named the time when a premium becomes due shall be the day stipulated therefor on the first page hereof. No premium shall be considered paid unless a receipt shall be given therefor signed by an executive officer of said Company and if ary obligation given in payment or part payment of any premium is not paid when due, this Policy shall then cease and be treated as if no such obligation had been given. SECTION 2. If the Insured shall, within one year from the date hereof, commit suicide, while sane or insane, or be or become intemperate, or during the months of July, August, September or October, within said one year shall travel or reside south of the 32d degree of north latitude, or shall at any time within said one year travel or reside north of the 60th degree of north latitude, then in each and every of the foregoing cases this Policy shall be null and void. SECTION 3. If the Insured shall at any time be engaged in army or naval service without a permit therefor signed by an executive officer of said Company, then this Policy shall be null and void, but after one year from the date hereof and before such service is entered upon, a permit therefor will be granted, if requested, in consideration of an extra premium of not exceeding two and one-half per cent of the sum insured, payable annually in advance. SECTION 4. At the expiration of any term of ten years from of Insurance the date of this Policy, the surplus under this insurance will be applied toward reducing the premium for the new term, at the rate of the age then attained by the Insured, to the premium charged in the expiring term, and, if sufficient for that purpose, this insurance may be continued during such new term by payment of the premium herein named in each and every year at or before the times herein provided for the payment of premiums. Should such surplus be insufficient to reduce the new premium for the age then attained to the rate charged in the expiring term, the renewal of this insurance shall require, in addition to the payment of the necessary premium, the return to the Company of this Policy before its expiration, and the issue of a new one, without medical reexamination. Said new policy will be written for the same amount as the expiring one, but will require the premium for the age then attained by the Insured, after applying the surplus as above provided, or, at the request of the Insured, it will be written for a correspondingly smaller amount, |