MISSISSIPPI. Section 50, Insurance Laws of 1902.

Section 2327. Every person who solicits on behalf of any insurance company, or who takes or transmits, other than for himself, an application for insurance, or a policy of insurance, to or from such company, or who advertises or otherwise gives notice that he will receive or transmit the same, or who shall receive or deliver a policy of insurance of any such company, or who shall examine or inspect any risk, or receive, collect, or transmit any premium of insurance, or make or forward a diagram of any building, or do or perform any other act or thing, in the making or consummation of any contract of insurance, for or otherwise gives notice that he will receive or transmit the same, or who shall examine into or adjust, or aid in adjusting any loss for or on behalf of any such insurance company, whether any of such acts shall be done at the instance or request or by the employment of the insurance company, or of or by any broker or other person, shall be held to be the agent of the company for which the act is done, or the risk is taken, as to all the duties and liabilities imposed by law, whatever conditions or stipulations may be contained in the policy or contract; such person knowingly procuring by fraudulent representations payment, or the obligation for the payment, of a premium of insurance shall be punished by a fine of not less than one hundred dollars, nor more than five hundred dollars, or be imprisoned for not more than one year.

MISSOURI. Section 5915, Insurance Laws of Missouri.

Section 5915. Agents Defined.-Any person or persons in this State who shall receipt for any money on account of or for any contract of insurance made by him or them for any insurance company or association not at the time authorized to do business in this State, or who shall receive or receipt for any money from other persons, to be transmitted to any such insurance company or association, either in or out of this State, for a policy or policies of insurance issued by such company or association, or for any renewal thereof, although the same may not be required by him or them as agents, or who shall make or cause to be made, directly or indirectly, any contract of insurance for such company or association, shall be deemed to all intents and purposes an agent or agents of such company or association, and shall be subject to all the provisions and regulations, and liable to all the penalties provided and fixed by this chapter.

MONTANA. Section 589 Revised Statutes.

The term agent or agents," used in this chapter includes an acknowledged agent or surveyor or any other person or persons who in any manner, directly or indirectly, transact or aid in transacting the insurance business of any insurance company not incorporated by the laws of this State.

The following is an additional section relating to surety companies, Section 193, laws of 1909:

Every person who shall receive or transmit applications for suretyship or receive for delivery bonds founded on applications forwarded from this State, or otherwise procure suretyship to be effected by such company upon the bonds of, or the bonds given to, persons or corporations in this State shall be deemed an agent of such company.

NEBRASKA. Section 8 of Chapter 16 of Compiled Statutes.

Section 8. Any person or firm in this State who shall receive or receipt for any money, on account of or for any contract of insurance made by him or them, or for any such insurance company or individual aforesaid, or who shall receive or receipt for any money from other persons, to be transmitted to any such company or individual aforesaid, for a policy or policies of insurance or any renewal thereof, although such policy or policies of insurance may not be signed by him or them, as agent or agents of such company, or who shall in any wise, directly or indirectly, make or cause to be made any contract or contracts

of insurance, for or on account of such company aforesaid, shall be deemed, to all intents and purposes, an agent or agents of said company, and shall be subject and liable to all the provisions of this chapter.

NEW HAMPSHIRE. Section 4 of Chapter 171 of the Statutes.

Section 4. A person who solicits insurance on behalf of a life insurance company, or transmits for a person other than himself an application for a policy of life insurance to or from such company, or offers or assumes to act in the negotiation of such insurance, shall be deemed a life insurance agent, and shall be liable to all the duties, requirements, liabilities, and penalties to which such agents are subject.

NEW YORK. Laws of 1913, Section 142.

The term agent in this section shall include an acknowledged agent or any person, partnership, association, or corporation who shall in any manner aid in transacting the insurance business of any underwriter, incorporated or unincorporated, by negotiating for or placing risks or delivering policies or collecting premiums, but shall not include the officers or salaried employees of any such underwriter who do not receive commissions.

OHIO. Section 3644, Revised Statutes.

Section 3644. Any person who solicits insurance and procures application therefor shall be held to be the agent of the party, company, or association thereafter issuing a policy upon such application or a renewal thereof, anything in the application or the policy to the contrary notwithstanding.

OKLAHOMA.

Section 3431, Chapter 38, Revised Laws.

Any person who for compensation solicits insurance on behalf of any insurance company, or transmits for a person other than himself an application for a policy of insurance to or from such company, or offers or assumes to act in the negotiating of such insurance, shall be an insurance agent within the intent of this Article, and shall thereby become liable to all the duties, requirements, liabilities and penalties to which an agent of such company is subject.

OREGON. Section 4641, Laws of 1899.

The word agent in this act, wherever used, shall be construed to include and apply to a person, firm or corporation. Any person who solicits insurance, receives an application or order to write, renew, or procure any policy, collect any premium, or who attempts as middleman to place any fire insurance in this state, shall be deemed an insurance agent.

PENNSYLVANIA. Section 17, Laws of 1913.

An agent is an individual, co-partnership or corporation, authorized in writing by a company: [a] To solicit risks and collect premiums, and to issue or countersign policies in its behalf; or [b] To solicit risks and collect premiums in its behalf.

RHODE ISLAND. Section 10 of Chapter 182.

Section 7. Every person who acts or aids in any manner in negotiating contracts of insurance or reinsurance or placing risks or effecting insurance or reinsurance for any person other than himself, and receiving compensation therefor; and every person who shall so far represent any insurance company, established in any State or country, as to receive or transmit proposals for insurance, or to receive for delivery policies founded on proposals, forwarded from this State, or otherwise to procure insurance to be effected by such company for persons residing in this State, shall be deemed and taken to be acting as agent for and undertaking to make insurance as agent for and in behalf of such company, and shall be subject to the restrictions and liable to the penalties herein made applicable to agents of such companies.

SOUTH CAROLINA. Section 2712, Article 1 of the Civil Code.

Section 2712. Any person who solicits insurance in behalf of any insurance company not organized under or incorporated by the laws of this State, or who takes or transmits other than for himself any application for insurance, or any policy of insurance, to or from such company, or who advertises or otherwise gives notice that he will receive or transmit the same, or who shall receive or deliver any policy of insurance to any such company, or who shall examine and inspect any risk, or receive, collect, or transmit any premium of insurance, or make or forward any diagram of any building or buildings, or do or perform any other act or thing in the making or the consummating of any contract of insurance, other than for himself, or who shall examine into or adjust, or aid in adjusting, any loss for or in behalf of any such insurance company, whether such acts shall be done at the instance or request or by the employment of such insurance company, shall be held to be acting as the agent of the company for which this act is done or the risk is taken.

An additional section (2711) is as follows:

A person who acts for another than himself in negotiating a contract of insurance by an insurance company or association, for the purpose of receiving remuneration therefor, shall be held to be the company's or association's agent, whatever condition or stipulations may be contained in the policy contract.

TEXAS. Section 427, Chapter 21, Digest of 1913.

Section 1. That any person who solicits insurance on behalf of any insurance company, whether incorporated under the laws of this or any other State or foreign government, or who takes or transmits other than for himself any application for insurance, or any policy of insurance, to or from such company, or who advertises, or otherwise gives notice that he will receive or transmit the same, or shall receive or deliver a policy of insurance of any such company, or who shall examine or inspect any risk, or receive or collect or transmit any premium of insurance, or make or forward any diagram of any building or buildings, or do or perform any other act or thing in the making or consummating of any contract of insurance for or with any such insurance company, other than for himself, or who shall examine into or adjust, or aid in adjusting, any loss for or on behalf of any such insurance company, whether any of such acts shall be done at the instance or request or by the employ ment of such insurance company, or of or by any broker or other person, shall be held to be the agent of the company for which the act is done or the risk is taken, as far as relates to all the liabilities, duties, requirements, and penalties set forth in this act; provided, that the provisions of this act shall not apply to citizens of this State who arbitrate in the adjustment of losses between the insurers and the assured, nor to the adjustment of particular or general average losses of vessels or cargoes by marine adjusters who have paid an occupation tax of two hundred dollars for the year in which the adjustment is made; provided, further, that the provisions of this act shall not apply to practicing attorneys at law in the State of Texas acting in the regular transaction of their business as such attorneys at law and who are not local agents nor acting as adjusters for any insurance company.

UTAH. Section 22, Paragraph 4, Chapter 121, Laws of 1909 as amended in 1911.

A person who is not provided with a certificate from the Commissioner as an authorized agent or solicitor of an insurance company, and who, for compensation, transmits for a person other than himself an application for a policy of insurance to or from such company, shall be an insurance agent or solicitor within the intent and for the purposes of this Act, and shall therefore become liable for all duties, requirements, liabilities, and penalties to which an agent of such company is subject, and such company, by compensating such person, through any of its officers, agents, or solicitors, shall thereby accept and acknowledge such person as its agent or solicitor in such transactions.

WASHINGTON. Laws of 1911, Chapter 49.

Section 2. "Agent" or "Insurance Agent" is a person, co-partnership, corporation, attorney, board or committee duly appointed and authorized by an insurance company, to solicit applications for insurance to be known as a soliciting agent, or to solicit applications and effect insurance in the name of the company, to be known as a recording or policy writing agent, and to discharge such other duties as may be vested in or required of the agent by the

company.

WISCONSIN. Chapter 353, laws of 1905, amending section 1977, laws of 1898.

Section 1977. Every person or member of a firm or corporation who solicits insurance on behalf of any insurance corporation or person desiring insurance of any kind, or transmits an application for a policy of insurance, other than for himself, to or from any such corporation, or who makes any contract for insurance, or collects any premiums for insurance, or in any manner aids or assists in doing either, or in transacting any business of like nature for any insurance corporation, or advertises to do any such thing, shall be held to be an agent of such corporation to all intents and purposes, unless it can be shown that he receives no compensation for such services.

AGENTS, RESIDENT.

Agents' Laws.]

Laws concerning. [See Resident

AGRICULTURAL INSURANCE COMPANY, Watertown, N. Y. Organized 1853; capital, $500,000. W. H. Stevens, president; J. Q. Adams, secretary; P. H. Willmott, assistant secretary. Organized as a farmers' mutual, then converted into a stock company with charter limiting it to the insurance of farm property; now engaged in general fire insurance. It transacts business in most of the states and territories. It writes tornado insurance. Sixty-first annual statement, January 1, 1914:

ALABAMA, UNDERWRITERS' ASSOCIATION OF. [See Underwriters' Association of Alabama.]

ALBANY INSURANCE COMPANY, Albany, N. Y. Organized 1811; capital, $250,000. J. E. McElroy, president; Charles H. Hahn, secretary. John P. Deal, assistant secretary. Total admitted assets, December 31, 1913, $1,074,716.50; liabilities (except capital), $372,567.14.

ALEXANDER, JAMES WALLACE, former vice-president of the National Association of Local Fire Insurance Agents, is a native of Virginia, and was born in Meclenberg County, Va., of American parentage, April 20, 1862. He received a common school education, and began his business career in mercantile pursuits. He has served

as a member of the Louisiana legislature, is a director in various business enterprises in the state, and president of the Rapides Club and Rapides Opera House company. He has been engaged in the local agency business for the past twenty years in Alexandria, La., and is now head of the local agency firm of Alexander, Bolton & Lewis, and has been one of the vice-presidents of the National Association of Local Agents and active in its affairs for several years, and is a former president of the Louisiana State Association of Local Fire Insurance Agents.

ALIENATION. A transfer of property to another. The fire insurance policy being a personal contract the alienation of the property covered by it voids the policy. So many controversies as to what constitutes alienation have arisen in insurance practice that the standard policies now describe minutely what will avoid the policy. [See Policy Forms, Fire. Also any digest of insurance law.]

ALLEMANNIA FIRE INSURANCE COMPANY, Pittsburgh, Pa. Organized 1868; capital, $200,000. William Steinmeyer, president; Chas. B. Reiter, secretary. Total admitted assets, December 31, 1913, $1,835,746.31; liabilities (except capital), $1,635,746.31.

ALLEN, EDWIN STANTON, assistant secretary of the Aetna Insurance Company, is a son of Francis B. Allen, vice-president of the Hartford Steam Boiler Inspection and Insurance Company, and was born in New York city, July 12, 1871. He was educated in the public schools of New York city and Trinity College, Hartford, graduating therefrom in 1894. He entered the service of the Aetna after leaving college, and has been with the company continuously serving it in various capacities as clerk, examiner, special and general agent. He was elected to his present position in May, 1907.

ALLIANCE INSURANCE COMPANY, Philadelphia, Pa. Organized 1904; capital $750,000. Eugene L. Ellison, president; T. Houard Wright, secretary. Assets, December 31, 1913, $2,282,444.72; liabilities, $839,227.98.

ALLIANZ INSURANCE COMPANY, (Marine), Berlin, Germany. H. K. Fowler, United States manager, New York, N. Y.

AMERICAN AND FOREIGN MARINE INSURANCE COMPANY, New York. Organized 1896; capital, $300,000. W. L. H. Simpson, president; W. A. W. Burnett, vice-president; J. E. Hoffman, secretary and treasurer. Assets, December 31, 1913, $1,092,224.63; liabilities, $100,354.47.

AMERICAN CENTRAL INSURANCE COMPANY, St. Louis, Mo. Organized 1853; capital, $1,000,000. Edward T. Campbell, president; W. A. Blodgett, vice-president; B. G. Chapman, Jr., secretary. Total admitted assets December 31, 1913, $5,366,214.34; liabilities (except capital), $3,432,518.56.