Twenty-Ninth Annual Edition
March, 1916

LIFE INSURANCE

MANUAL

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

Premium 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

ހ

609-615 Maple Avenue, Oak Park, Ili., U. S. A.

Copyright 1916 by A J Flitcraft

July 1865

Royal Union....

South'n States L.

Mass. Mutual....Oct. 1, 1907.

Meridian Life..
Metropolitan..
Michigan Mutual
Minn. Mutual...

* 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.. Jan. 1, 1898.
N.American, Ill.

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

Pacific Mutual. Jan. 1, 1908..
Pan-American..

Penn. Mutual.... May 1, 1847.
Philadelphia Life

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

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

Oct. 1905.

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

Reliance Life... May 03-July 09 July 1, 1909...

Reserve L'n Life

Scandia Life...

Security Mutual Jan, 1. 1902....1901-1902.

*State Life....... Jan. 1, 1901.

Jan. 01-Oct. 07.

1851-1901.

Aug. 1851

Jan. 1897

Jan. 1, 1901...
Jan. 1, 1903..
Jan. 1, 1908....

1867-1901.

Jan. 1867

State Mutual.... Jan. 1, 1908

Sun Life....

May, 1906.

1901-1908.

* 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.

The arrangement of this book is: First, policy forms alphabetically arranged as to companies (pages 4-573); second, premium rates (pages 574-784); third, Letters Re Reserve Bases (pages 785-802), after which the alphabetical arrangement is:

C-Cash values, alphabetically as to companies..... 803- 893

To save space, we group, wherever possible, rates or guaranteed values for companies using similar data-to illustrate see pages 622-623, 783-784, 914; 1017.

We suggest that frequent use be made of the very complete index in latter part of book.

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