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Life insurance Rates. ANNUAL PREMIUM RATES OF PRINCIPAL LIFE INSURANCE COMPANIES.*

91.

60.

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60.

WHOIX LIFE L'OLICY.

20-PAYMENT LIFE POLICY. 90-YEAR ENDOWMENT POLICY. COMPANIES.

Age
Age Age Are

Age
Age

Age
0. 40.
60. 21. 80

60. 21. 30. 40. 50. Aida

$19.8924, 3$64.56 46,5 474.5 28.52 $33.40 1.34 $33.91 $77,17 348.10 $4.97 $51.37 $51.29 $79.85 Brkshire, 19.4 23.96 .12.18 47.94 77.41

26.09 3.95.41.18 54.98 01.09 19.54 50.74 53.69 61.75 Colunian Yational. 19.591 21.41 31.13 17.241 78.12 98 0 37.95 41.00 54.43

48.68 49.39 51.47 58.08 Cobertlaut tiener It, 15.491 19.34 26.44 39 38 13.97 22.83 96.83 33.40 44 37 65.09 42.17 47.81 44.66 30.46 67.03 Connecticut Mutual.. 18.00 4.85 30.94 45.45 72.8 9.17 32.62 39.77 51.84

48.9: 49.64 51.62 57 89 Eqtbit, la

17 69 29.331.571 47 71 76.75 24.94 30.19 38.52 53 3 79.24 46.94 47.06 80.88 60.18 Equitable, x. Y 19.691 24.36 *3.01/ 49.495 77.69 29.4 34.76 49,19 56 17

50.07 61.81 54.31 62.84 Germania

19.321 23.99 32, 48 47.7276,45 29 18 34.02 41.92 55 14 80 25 48 67 49.971 52.03 61.09! 82.13 Hartford...

19 52 24.14 3.56 47.1 77.97 98.641 33.69 49.00 55 55 77.97 49.41 51 21 54.01 61.69 Home. 19.01 23.232.4 49 20 27.6 32.67 41.00 56.22

48.96: 509 53.46 61 93 John Hancock. 19141 2.99 37.49 47.99) 77.47 28.091 32.98 41,5 54.98 81.09 49.51/ 50.74 53.69 61.75 Maabattan

19.5. 24.18 31.76 6.39 78.09 28 % 33.20 41.45 55.35 81.71 49 78 50.96 53.98 69.16 83.87 Mass. Mutual

19 44 23.961948 47 99 77.47 28.091 32.95 41.16 54.991 81.09 49.84 50.7453.69 61.75 Mirpolitan

16.1890.0 27.62 41.12 66.78 24.02 28.49 35.37 45.95 68.53 41.81 44.45 46.33 59.97 69.36 Michigan Mutual. 19.12 9.751 32.16 47.291 76.83 27.90 37.58 41.11 54.691 79 52 48.18 49.74 59.72 60 68 Mutual Benefit

18.401 22.85 30.94 45.45 72.81 98.25 89.87! 40 38 59.57 76 60 47.75 48 83 51.48 58,81 78.48 Mutual, N. Y..

19.5 24.181 32.76 18.0 78.09 98.233.29 41.46 55.38 81.71 49 78 50.96 53.98 62 18 83.87 Xational, Vt.

19.13 3.771 32.18 47 27 75.76 98.99 33.78 41.69 54.69 79.52 49.49 49.14 62.79 80 63 81.40 New England 18.90 2.50 32.20 47.90 77.70 27.40 92.30 40.0 54.70

48.0 49.60 52 80 61 30 N-w York 19.6% 24.5 1.01 48.45 77.69 99 -4 31.76 42.79 66.17

50 07 51.31 54.31 62 34 Xorthwestera...

19.30! 24. 32.90 49,171 77.90 29.5 34.24 49.24 55.591 80.97 45.85 80.70 53.81 61 64 89.85 Pacific

18.30 93.00 31.63 47.55 77.00 27.95 32 85 41.20 34.95 80.80 13.5 49.35 61.40 58.00 Peon

19.19 23.75 32.16 47.23 75.69 28.98 33.76 41.60 54.65 79.46 48.48 49.72 62.70 60.59 81 34 Phonix....

19 19 23.50 32.36 47.68 76.94 98.83 33 65 41.5 34.79 79.85 47.84 49.16 62.97 60.33 81.27 Provileot L. an! T.. 17.80 29.701 31,50 47.00 76.40 24.00 99.70 87.8 51.26

44.26 45.63 48.64 56.55 77.60 Provident Savings.. 19.15 2.43 31.38 45.94 73.71 98.37 31,00 40.70 53. 18

48.71 49.4 61.69 59.24 9.33 Prudential

19.43 24.12 82.681 47.89 76 91 28.75 33 50 41.95 51 12 78.79 48.65 49.99 53.13 61.30 89.54 Royal Union

18.80 23.30 32 90 48 501 79.90 28 20 31.10 39.50 54.0 63.20 48.20 49.60 53.00 62.00 88.50 Stat. Mutual, Mass. 19.35 93 95 32.50 49.00 77.45 28.10 33.00 41.20 65.00 81.10 49.55 50.76 63.70 61.75 Travellerst.

15 70 19.60 96.79 39.591 64.7 23.17 27.18 37.83 41.90 66 1: 42.83 43.46 45.30 51.11 67.82 Union Central.. 18.90 93.351 31.55 48.49 71.88 27.28 31.99 39.6953 19 78.35 47 85 49.01 51.88 59.69 80.42 Unin Mutual

19.8 93.95 32.43 47.63 76.3% 99.001 33.83 41.74 64 95 80,0548.64 49.92 52.97 60.99 81.98 United States... 19.301 23.90 32.20 47.60 76.70 98.00 33 00 41 30 85.80 81.80 49 50 50.80! 83.80 62.10 83.90 Washington

19.53 24.19 22.76 48 39 78.09 28.98 83 90 41.16 55.38 81,71 49.73 50.96 63.99 62.15 Net prerniums,

American, 3 per cent..... 14.72 18.28 24.75 36.36 58.97 23.48 97.19 83.149.95

40.81 41.37 43.01 48,24 Net premiums, American, 3% per cent..' 13.771 17.19. 23.50 34.99 66.88 21.061 94.71! 30.75l 40.82' 59.65 38.94 39.51' 41.18' 46.46' 61.65

* For $1,000 at maturity of policy. Non-participating rates,

The rates for intermediate ages can be approximated by comparison with the rates stated. The variation in the rates is due to the fact that the policy conditions (surrender values, Incontestable clauses, etc.) are more liberal in some companies than in others, and because some have employed a 4 per cent. basis for the calculation of their premiums, while others have used 3 or 35 per cent.

The rates for assessment and fraternal organizations are lower than those given above, but being dependent upon the mortality experienced each year, they are variable and subject to constant change

The above table of Annual Premium Rates was prepared for THE WORLD ALMANAC by S. Herbert Wolfe, Consulting Actuary, New York. Any new kinds of policies issued in 1908 will involve a different classification of rates,

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Lífe Ensurance Progress in the United States. It is within the past sixty years that the vast business of life insurance in the United States has been developed. The experimental stage was endel and the era of advance was opened when, in 1813. the Mirtual Life Insurance Company of New York began business, its first policy having been issued on February 1 of that year.

Since then a large number of life insurance companies have been established. The following list inclu les those now transacting business which had their inception between 1843 and 1860 inclusive, arranged according to the date of the first policy issued:

Murual Life Insurance Company, 1813, February 1; New England Mutual Life Insurance Company (1), 1814, February 1; Now York Life Insurance Company, 1815, April 17; Mutual Benefit Life Insurance Company (2), 1817, May6; State Mutual Life Assurance Company (3), 1545, June 1; Connecticut ntual Life Insurance Company, 1846, December 15; Penn Mutual Life Insurance Company, 1817. June 25; Union Mntual Life Insurance Company, 1849, October 1; National Lite Insurance Company of Vermont, 1850, Fobruary 1; United States liie lusurance Company, 1850, March 4; Ætna Life Insurance Company, 1850, August 1; Manhattan Life Insurance Company, 1850, Augusti; Massachusetts Mutual Lile Insurance Company, 1851, August 2; Phoenix Mutual Life Insurance Company 1851, September 11: Perkshire Life Insurance Company (4), 1831, October 27; Northwestern Mutual Lile Insurance Coinpany, 1858, November 25; Equitable Llie Assurance Society, 1859, July 28; Washington Life Insurance Company, 1860. February 2; Home Life Insurance Company, 1860, May 1; Germania Life Insurance Company, 1860, July 16.

How life insuravee has progressed since the early part of 1843 is shown in the subjolned table by periods of years as indicated, assessment iusurance not being included. DECEMBEE 31.

Amount of Outstanding

Amount of Assets.

Insurance.

1843 1867 1892 1899 1906

$6.500.000 1,235, 000.000 4,898, 000.000 6,266,000,000 13, 706, 797,784)

$1.000,000 124.534,000 907, 441.000 1.576,000,000 2,924, 253,818

Life Insurance Statistics. CONDITION OF REGULAR LEGAL RESERVE COMPANIES JANUARY 1, 1907,

AND BUSINESS THE PRECEDING YEAR.*

No.

OF Cos.

No.

Anouut.

Pavinents to
Premninms Total

Policyholders

Total Ex.

New POLICIES ISSUED. POLICIES IN FORCE.
Assets.
Received. Incoine.

(Losses, Dis.

idends, Snr. penditures. renders, &c.)

Να, Amount. $2,924, 263,6481 4526,594,898 $607,185,592) #297,325,6:9) $425,861,363) 3,111,704 *7,081,441,718128,634,359 $13,706,737,7 CONDITION AND BUSINESS OF ASSESSMENT COMPANIES AND ORDERS. No,

INSCRANCE INFO.

NEW POLICIES ISSUED.
Asets, Assessments Total Payments to Total Ex

No.of
Cos,
Collected, Incoine,

Amount.
Policyholder peoditures.

No.

Amount. Members 717 $76,502,396 #106,240,424 $119,826,958) **7,295,720)$104,071,2:38 +1,500,000 $1,098,160,6057,603,737 $5,718,301.306

Including industrial policies. + Estimated.

The returns of life insurance in the first three tables were compiled from “The Insurance YearBook," published by The Spectator Company.

INCOME AND DISBURSEMENTS FOR TWENTY YEARS. The following table shows the receipts and disbursements of the old-line" life insurance companies reporting to the New York Insurance Department for twenty years:

Total Pay. YEAR No. of

Total Payments ments for

Total

Total Taxes, CoinENDING

Total Dig. Com

for Lapsed,
Total Income. Lorses, Endow-

Dividends to Payments to
Surrendered, and

missions, and Dec. 31. pables.

bursements. ments, and Annuities,

Purchased Policies Polieyholders. Policyholders. Other Expenses. 1886. 29 $116,961,316 $38,276,390 $9,433,379

$13,218,286 860,929,014 $91,066.540 $8:9,319,096 1887. 29 130,657.526 42,527,054 10,413,379 14,872,624 68.003,557 25.031,101 93,447,989 1885

30 147,034,431 48,569,964 11,234,509 14,324,327 74,129,360 27.905,878 103,369,145 1989

168,184,699 63,041.834 12,240,142 13,951.069 79,273,667 34,898,168 114.503,360 1890. 30 187,494,959 58,606,615 13,527.-25

14,271,501 86,707,341 39.616,752 125,633,030 1891

29 201,931,425 62,731,497 16.230.491 13,491,220 92.953,614 42,150,372 135,792,018 1892

2:23,024,998 79,576.806 15.558,759 14,386,1995 102.621.820 49,003,730 153.890,333 1893

235,683,206 75.903.820 19,039,418 14 823,176 114,56,114 55,205,3:36 168,513,24 1894

33 255,624,478 78,313,162 23,164,108 14,577,450 116,054,735 61.073,145 177.863,333 1895

35 206,897,200 84,791.022 22.899,493 15,297,004 123.978,718 62,052,872 185,772.902 1896

279,373.107 90.146,364 20,368,1:39 17.083,169 134,219,515 61,160,732 199,173,299 1897

35 301.268,179 92.688,307 26.431,312 18,425,197 137.341,916 67,382,025 20),856,394 1898.

35

320,306,169 98.160.61 26, 436,307 19,694.034 144,066,022 72,067.590 218,063,363 1899

87 356,946,005 111,788.691 23,080,965 20,917,143 153,786.799 86.622,697 243,154,558 1900

392.368,741 120.945,587 22,190,804 22,54,261 165,704,692 91,782.03 261,467,238 1*1..

39 437.935,470 185,674,46% 23,907,412 23,811,649 183,293,529 103,001,203 287,181,045 1902 488.736,272 149,777(0)4 26.346.122

26,089,715 143,713,841 116,474,384 312,931.356 1903 42 534,101,8591 158,131,467 31.497,168 30,617,368 220,247,094 138,140,157 3419,453,708 1904

42 580.713,959 171,604,278 35,916,236 33.334,133 241,0.34,617 139,209,722 380,049,676 1905

43 614,712,082 179,795,591 42,366,500 35,795,5x1 257 957,732 134.986.906 393,743,139 1906 48 632,446,6181 183 620,6231 55,178,177 39,782,313 278,087,113 124,797,879 404,215,088

ASSETS OF AND AMOUNT INSURED BY THE PRINCIPAL AMERICAN COM

PANIES JANUARY 1, 1907.
Insurance

Insurance Cross
COMPANIES.

in Force.
A eta
COMPANIKS.

in Force

Ats, New York Life, N. Y. $2,029,605,718 $478.413,733 Germania, N. Y

$114,539.761 $37.580,399 Metropolitan, X Y 1,692,545 179,504,637|Phoenix Mutual, Ct.

21,233,414 Mutual Life, N. Y. 1.517.257,190 497,091,656 Pacific Mutual, (al..

97.069,420 12,901,015 Equitable, N Y

1.376,676,369 412.1197,353||Provident Sav, Life, NY 94.530.269 9.728.169 Prudential, N. J.. 1,253.102,671 127.817.22 Home Life, N. Y...

86.113,709 19,170,044 Northwestern Mut., Wis. 819,252,279 221,318,39 State Life, Ind.

81,047,860 5,370.613 Mutual Benefit, N. J 417,313,747 105,70,8X6 Mut. Reserve, NY.

80,407,420 5,415.007 Penn Mutual, Pa..

396,319,523 83,716,952 Manhattan Life, X, Y. 74,407,461 19.647,357 Ata Life, Ct... 261,362,484 84,133,086 Union Mutnal. Me

67,038,856 12,694,607 Union Central, Ohio 212,141,715 55,673,491 Berkshire Lile. Moss,

60.110.667 16,604.-81 Massachusetts Mutoal. 209 495,761 43,375,485 Washington Life, N. Y. 61,082.83 18,776,936 Provident Life & Trust, Pa. 182.679,367 61.794,750 Hartford Life, Ct....

57,050.683 3,921,916 New England Mutual...

173,396.2013 40,554,666 Security Mutual, N. Y. 51,042,299 4,336,476 Connecticut Mutual. 171.701.156 66.424.34 Michigan Mutual.

49,740.087 9,891.226 Jno. Hancock Mut. Mass.. 167,069,389 42.604,934 Columbian National,

49,120.2.22 3,697,817 Travelers' (Life Dept.).... 166,735,543 43,165,196 National, of U.S. A..

46,436.000 7,296,336 National Life, Vt.. 148.797,787 37,511,373 mlinois Life...

43.364.856 6,000,218 State Mutual, Mes. 118.748,120 29.076.011 United States, N. Y

37.409,402 8.982,258 Fidelity Mutual, Pr.. 114,143.518 13,090,870|| Franklin Life. III.

33,465,050) 3,315,336 LIFE INSURANCE IN VARIOUS COUNTRIES. Insurance in force, United States (including assessment insurance), $22, 425,099,090; Great Britain, $4,426.124,000; Germany, $1,401,000,000, France, $760,000,000; Austria, $370,621,530; Scandinavia, $130, 000,000; Switzerland, $70,300,250); Russia, $47,925,979.

LIFE INSURANCE STATISTICS-Continued.

RECEIPTS AND DISBURSEMENTS IN 1906 OF COMPANIES REPORTING TO

THE NEW YORK INSURANCE DEPARTMENT,

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Ætna Life.......
Berkshire...
Connecticut Mutual
Equitable, New York.
Fidelity Mutual.
Germania,
Hartford Life.
Home, New York
Illinois Life..
John Hancock
Life Ine. Co. of Virginia.
Manhattan....
Massachusetts Mutual.
Metropolitan...
Michigan Mutual.
Mutual Benefit..
Mutual, New York
Mutual Reserse..
Xational U. 8. A.
National. Vermont.
New England Mutual,
New York Life..
Northwestern Mutaal..
Pacific Mutual
Pend Mutual.
Pboenix Motusl.
Provident Life and Trust..
Provident Savings....
Prudential......
Security Mutnal, N. Y.
State Life...
State Mutual.
Travelers....
Uning Central.
Union Mutnal.
United States..
Washington.

$10,360,649 $3.494,352 $13,985,934 $3,066.248 $2,294,376 $815,575
2.507,447

$867,013 $7,048,441
608,694 3,237,418 771.981 199.005 444,407
6,526,594

333,117 2,519,573 8,746,344 4,964,455

1,679,045

966,456 620,467 57,285,250 16,972,017 76,854,694 18,695,895

1,158,897 6,329,783

4,012,568 13,315,648 4,205,256 431,277 5,511,118

7,249,735 44,457,439 1,34,506

179,165 4,940,571 1,443,614 6,655,290

57,895 1,310.573

1,602,980

1,181,732 497,116 2,181,908

310,607 1:3,407 9,337.561 1,5-0,661 1,000

3,287,413

33.958 3,516,866 730,584 4,423,986

55,942 1,670,961

911,953 304,184 993,514 317,714 1,414,787 245,297 1,740,146

1,867.708 419.014 19,375 414,656 16,375,639 1,510,556

40,980 896,695 18,206,666 4,471,016 144,493/

693,0781 2,097,143 119.626

1,145,392 9,217.839 618,592

6,389,635 • 1,770

24,6751 2,634,032

44,579 690,446 3,605,099 1,106,096

690,199

147,475 323,964 91,417
7,278,541 1,768,481
9,267,092 9,179,917

1,650,200

975,488 693,4561 1,074,500 59,531,161 5,549.933 66,695,826

4,153,361 15,650.529 161.312 976,493 1,636, 57 450,412

9,360,511 19,456,665 2,104,319 514,715 314,106 191,426 36,148 15,706,915 4,560,748 20,434,289 5.09,584

1,0-6,695

1,329,159 1,659,011 58,317,867 19,162,225

2,142,459 10,372,161 81.85%,633 91,034,051 4,710,548 6,463,751 3,877,112

2,785,919 87,786,684 156,791 4,226,25 1,978,451

1,101,684 1,420,514 999,366

82,29 3,163,717 2,151.637 318,134

3,608

126,318 6,139,117

5,384 1,559,870 7.790,154

+ 456,566 1,495,476 444,943 710,930 293,7501 6,107,841 1,615,91

3,085,625 8,091,026 9,156,747 495,963 711.271 659,561 82,368,787 16.381.085 104,90,179 21,5.5, 407

3,951,342

4,659,734 11,907,041 4,635,124 44,471,419 31,839.731 9,536,447 41,933.8:9 7,486,927 1,664,416 5,219,919 7,366,426 91,800,231 3,798,652 440,112 6.949.943 771,971 65,085 373,329

946,046 15,405,543 3,635,19 19,547,45 3,649,419

1,466,97:

1,33,927 1,457,276 1,248,482 3.819,477 980,220 4,847,610 1,039,346

7,939,734 240, 350

854,982 355,452 7,383,141 2,572,118 10,542,927

1,993,999 1,589,190 2,048,823 666,173

1,956,031 5,521,215 3,596,663 2:1,449 4,196,068 1,682,631 24,000 371,366 188.749 48,274,170 4, 35,486 53,525,0.9 12,847,831

9,289,122

95,466 1,973,5391 1,270,935 1,677,956

16,248,888 135,319 1,865,551 587,744

50,170 17,196 2,742,500 161,947

655,408 3,005,699 458,959

226,37 106,702 4,462,093

799,198 1,106,031 5,744,241 1,954, 733 423,269 644,293 849,416 5,694,373 1,819,022 7,926.331

9,774,738 1,930,729 6:6,186 310,051 37,143 2.998,190 8.958,406 2,78.251 11,985.080 1,900,936 597,049 641,068 866,175 2.522,144 453,573 3,222,195 68,365

3,957,461

76,195 361,996 176,787 1,930,495 408,592

1,302,571 1,739,89 660,176 99,719

320,665 2,531.4741

94,683 559,411 3,439,4471)

1,195,045
949,671 498,671 458.808 98,735 2,035,283
DISBURSEMENTS.-Continued.
Commis.
sions
Salaries

Dividends
All Other
to Stock-
Profit and

Total
Paid.

Total

Taxes.
Expenses.
Paid.

holders.

Loss.

DisburseExpenses.

mente.

COMPANIES.

$200,000

1,785 **5,000

24,000 40,000 15,000 7,000

27,000
16,000

Ælds Life.,
Berkshire...
Connecticnt Mutaal..
Equitable, New York.
Fidelity Mutual.
Germania....
Haritord Life.
Home, New York
Illinois Life...
John llancoek
Life ins. Co. of Virginia
Mnohatian.
Massachusetts Mutual.
Metropolitan..
Michigan Mutual..
Mutual Benefit.
Mutual, New York.
Mutual Reserve..
Natiourl, U.S. A.
National, Vermont.
New England Mutual...
New York Life
Northwestern Mutual.
Pacific Mutual..
Penn Mutual.....
Phoenix Mutual.
Provident Life and Trust.
Provident Savings.
Prudential....
Security Mutual, X, Y.,
State Life....
State Mutual..
Travelers...
Union Central
Unlon Mutual..
United States..
Wasbington...

$1,245,444

963,233

478,904 6,733,253

819,848 887,970 151,430 712,707

969,989 4,499,878 676,254 617,666

896.633 13,599,105

33, 660
1,677,694
5,786,190

420,615
451, 434
915,869

737,3-45
9,167,396
3,551,-92

857,024
2,031,109

707,461
667,115

720,389
10,939,595

140,000
95,000

$243.218

68,658
171,43
1,327,074

179,949
148,819

81,092
136,206

93.599 511,227 133,513 115,614

119,567 2,314,717

61,759 326.967 1,965,318 297,562

78,941 152,057 181,823 1,272,194 549,437 156,034 316,898 107,238 869, 793

180,260 1,548,768

8348,398
134,212
431,719
1,426,770

267,018
240.186

59,415
166,652
170,760
793.896
131,170
291,749

203.049 2,230,739

91,5021 553,672 9,611,762 446,919

88,183 204,746

274,392 2,546,564

695,217 957,438 694.253 178,90 179,638 319,364 7,816,638

$365,850

29.01 905, 763 732,166 70,555 57.079 26.001 54,153 19,590 194,227 41,928 49,457 129,096 871,527

33,928 425,121 783,741 44.591 27,901 142,182 114.496 959.971 797,692

44,347
431,589
109.722

98,715
| 65,0401
954,591
30.457
47,442
77,139
83,943
159.336
48,630
20.934
39,08

$40,300 $2,470,905 $9.519,346 500

504,949 2,183,993

1,445,091 7.767,874 174,732 11,769,116 55,726.555 664

1,3 0,025 2,983,005 1.869 1,396,071 4.683,484 8.924

379,573 2,050,534 15,930 1,191,733 9,989, 441

3,061 589,156 1,485,781 28,185 6.098,136 19,487,971 1,903 1,013,361 1,703,560 1,862

1,058,738 2,738,98 26,32

1,441,18 5,594,679 30,218 20,559,039 39,815,704

3,063 545,271 1.631.966 156,713 3,189,851 13.556,012 361,055 11,444,303 49,120.987 29,379 1,965,192 4,428,839

9,341 667,598 1,12,164 118,404 1,553,439 4,639,064 117,171 1,477,909 5.429,451 64,737 14,358,784 59,330,203

23,662 5,841,413 27,641,674 349,585 1,740,735 8,207,700 75,602 3,515,098 11,447,742

850 1,106,506 3,100,435 391,018 1,711,029 7,932,244 126,392 1,474,190 3,756,312 91.708 16,208,359 32,449,147 11,393 699,506 1.854,914

62,500

200,000

81,104 131,5-4

78,529) 130,596 191,481 97,978 59.959 95,193

195,492 134,197 165.419 974,170 465,337 156,622

86,146 195,4311

1,610 1,091,176 1.885 376 62,494 954,517 3,729,255

6,844 1,566,999 4,505,089 126,180 2,1N1, 16 6,139,277 280,402 1,098,670 9,401,941 18,672

394,642 1,589,587 1,011) 766,794)

2,602,077

764,111 6.34,424

795,058 1,186,417

497,340 165,192 366,321)

10,000

30,800

Fire Xnsurance Statistics. CONDITION AND TRANSACTIONS OF COMPANIES DOING BUSINESS IN THE UNITED STATES YEAR ENDING JANUARY 1, 1907. Assets Exclusive of

Cash Premiums ReNUMBEL OF CONPANTES,

Net Surplus.

Total Cash Income
Capital
Premium Votre

ceived during Year. during Year. 374 Stock

:}/884, 290,590 $554,331,113 $176,942,570 $301,038,893 $350, 223,127 257 Mutual

Total liburse-
Paid for Loses Paid for Dividends Expenses otsier than

Risks Written NUMBER OF COMPANIES.

Losses and Dist
during Year.
during Yexr.

ments during
dends during Year

Year.

during Year. 374 Stock 267 Mutual......

$278,173,623 $24,211,689 $104,498,039 $406,883,351 (+$30,000,000,000 * Including 35 Lloyds. t Approximation. These statistics of fire insurance business in the United States are, with the exception of the estimate of risks written during the year, compiled from "The Iusarance Year-Book," published by The Spectator Company. They do not include the returns of a few stock companies and some 600 mutuals and town and county mutuals, whose transactions are purely local and individually of small volume. CONDITION OF THE PRINCIPAL JOINT-STOCK COMPANIES DOING BUSI

NESS IN THE UNITED STATES JANUARY 1, 1907.*
Admitted

Net
Capital

Admitted
COMPANIES.

COMPANIES,

Net
Assets.
Surplus.

Assets,
Capital.

Sarplus.

Home, New York.. $20,839.174 83,000,000 $7.408,355 Fireman's Fund, (al. $4,124,190 $800,000 $382.640 Hartford, Ct..

19.049,930 2,000,000 2,783,254 Globe & Rutgers. N.Y. 4,097,284 400,000 1,953,833 Continental, New York. 17,030,600 1,000,000 8,428,734 Glens Falls, N. Y 3,945,388 200,000 1,886,054 Ætna, Ct.....

15,960,844 4,000,000 4,207,736 Westchester Fire, N.Y. 3,738.676 300.000 1,00 275 German-American, N. Y 13,748,730 1,500,000 5,130,420 Munich, Germany.... 3,518,064 1 200.000 707.341 Royal, England. 12,903,822 + 200,000 2,130,046 Sun, England..

3,556,764 200.000 931,093 Liverp., London & Globe 12,335, 961 200,000 4,623.651 London & Lancashire. 3,465, 371 | 200.000 1.057.897 Ins. Co. of N. America. 10,630,125 3.000.000 888,372 Palatine, England.. 3,248,680 + 200.00 1,106,243 Phenix, New York, 9,501,321 1,000,000 1,620,824 Phønix, England, 3.299,890 200,000 943.226 Phoenix, Ct

7.610,658 2,000,000 1,263,333 Norwich Union, Eng.. 3,172.691 + 200.000 827,816 Fire Association, Pa.. 7,290,722 750,000 1,431,463 Milwau. Mechanics 3,709,179 500.000 453,787 Commercial Union, Eng. 7,179,301 200,000 1,613,066 Providence- Wash., R.1 2.659,647 500,000 154,904 National, Ct...

7,076,863 1,000,000 1,030,098 Agricultural, N. Y. 2,591.649 500,000 377,796 Springfield F. & M. 6.936,261 2,000,000 1.1.23.880 Federal, N. 'J... 2,521,625 1.000.000 252,992 N. British & Mercantile. 6,712,617 † 200,000 2,687,485 Westerii, Canada 2,193,155 200,000 483,990 Queen, New York. 6,506,637 1,000,000 1,094,933 Franklin, Pa...... 9,491,576 400,000 315,171 Pennsylvania Fire. 6,361,573 750,000 1,402,721 London Assurance, 2,441,320 + 200.000 650,600 American, X. J

5,805,613 600,000 1,463,510 Williamsb'rghC. N.Y. 2,342,872 250,000 764,094 Connecticut Fire.

5,401,598 1,000,000 859,460 Girard F. & M., Pa.. 2 338,450 500,000 465,308 Germania, N. Y

6,178,071 1.000.000 1.094.933 Hamburg-Bremen.. 3,319,585 300.000 406,029 American Central, Mo.. 5,111,813 2,000,000 1,026,730 Batulo-German, NY. 2,311,343 200,000 1,470,214 Boston, Mass.

4,993,363 1,000,000 2,297,443 Rossia, Russia... 2.961.582 + 200.000 463.561 Niagara Fire, N. Y

4,463,263 750,000 1,020,208 Caledonian, Scotland 9,155,909 1 200,000 527,995 Scottish Union & Nat'l.. 4,448,912 + 200.000 2,186.506 Royal Exchange, Eng. 2,117,670 + 200.000 876.522 Firemen's, N. J... 4,394,069 1,000,000 1,915,686 Spring Garden, Pa. 2.067,333 400,000

157,554 Northwestern Nat'l, Wis 4,365,095 1,000,000 1,118,853 Orient, ct..

2,057,943 500,0001 960,369 St. Panl F. & M., Minn... 4.346,626 500,000 738 180 Security, ét...... 1,987,946 500.000 350,406 New Hampsbire Fire... 4,810,836 1,000,000 1.259,392 Atlas, England.. 1,959,686 200,000 633,181 Northern, England. 4,948,912 + 200.000 1,183,907 United Firemen's, Pa. 1.934,485 400.000 75,730 Hanover Fire, N.Y. 4,228,437 1,000,000 892.290 Delaware, Pa... 1,864,662

400,000 137,891 Annual statements of the fire insurance companies are rendered to the insurance departments during the month of January; therefore the statistics of condition January 1, 1908, were not ready when this publication went to press.

+ The New York law requires a deposit of $200,000 from foreign companies with the insurance department. This is treated by the departinent as deposit capital," and the surplus stated in the next column is "surplus beyond deposit capital'' and other liabilities. ANNUAL PROPERTY LOSSES IN THE UNITED STATES BY FIRES-1876-1907. YEARS. Property Loss. Insurance Loge.

YEARS.

Property Loks Insurance Loss. 1876. $64.630,600 *34,374,500 1893.

$167,544,370 $105,994,577 1877 68,365,800 37,398,900 1894.

140,006,484

89,574,699 1878.

64,315,900
36,575,900

142,110,233

84.689,030 1879.

77,703,700
44,464,700 1896.

118,737 420

73.903.800 1880.

74,643,400

42,525,000
1897.

116.854 670

66,722,140 1881 81,280.900 44,601,900 1898.

130,593 905 73,796,080 1849. 84,505,024 49.875,131 1899.

153,597,830 92,683,715 1883. 100,149,928 64,806,664

1900.

160,929,805

95.403,650 1884.

110,008,611

60,679.818
1901.

174,160,680 106,680,690 1885. 102,818,796 67,430,789 1902.

161,488,355 94,776,046 1886.

104,934,750

60,506,567
1903.

145,302,155 87.900.000 1887. 120,283,055 69,669,608 1904.

230,520, 1817 188,814,212 1888.

110,885,665
63,965,794 1905.

165,221,660 109,288.430 1889. 123,046,883 73,679,465 1906.

444,326.124 976,782,270 1890. 108,998,792 65,015,465 1907.

• 214,000,000 128,000,000 1891

143,764,967

90,576,918 1892. 151,516,098 93,511.936

Total 82 years..,

$4,356,630,720 $2,602,299,030 Estimated.

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1895.

Great Conflagrations

IN THE LAST AND PRESENT CENTURY.
Date,
Location.

Loss. 1833-Dec. 16 NEW YORK-674 houses and warehouses, including Merchants'

Exchange, burned. The extent of this fire was attributable
to

narrow streets, a gale of wind and the intense cold,

which froze the engines and rendered them useless...... $17,500,000 1839-Sept. 23 NEW YORK-46 coinmercial buildings burned..

4,000,000 1842-May HAMBURG-The number of streets burned through was 61;

courts, 120; dwelling floors, 1,716; dwelling cellars, 468; cot-
tages, 498. Total houses, 1,992. The number of persons
rendered homeless was 21,526.

35,000,000 1845-July 19 NEW YORK-302 houses destroyed in the best business part of the city

7,500,000 1846-June 9 ST. JOHN'S, N. F.-Nearly the whole of the town destroyed.. 5,000,000 1848-Aug. 16 CONSTANTINOPLE-Some 2,300 shops and 500 houses, including some splendid palaces, burned,.

15,000,000 1848-Aug. 17 ALBANY, N. Y.--139 houses burned.

3,000,000 1849--May 18 ST. LOUIS--- About one-half the business portion of the city destroyed

3,000,000 1851--May ; 3 SAN FRANCISCO, Cal. 2,500 houses burned. The fire extended over three parts of the city.

3,500,000 1852-July 8 MONTREAL-A large part of the city destroyed. Some 15,000 persons rendered homeless

5,000,000 1852-Nov. 12 SACRAMENTO CITY, Cal.-About 2,500 buildings destroyed. The city almost entirely burned up.

5,000,000 1861-Dec. 12

CHARLESTON, S. C.-A considerable portion of the city de-
stroyed

10,000,000 1862-June 10 ST. PETERSBURG, Russia

5,000,000 1866-July 4 PORTLAND, Me.-A cracker thrown by a boy during the 1

celebration of Independence Day led to the destruction of
nearly all the business portion of the city, including eight
churches, the banks, newspaper offices, etc. More than 2,000
families were rendered homeless..

10,000,000 1866-Oct. 16 QUEBEC--2,500 houses and 17 convents and churches burned; 18,000 people rendered homeless...

3,000,000 1866-Nov. 30 YOKOHAMA, Japan-Tremendous conflagration in the European quarter. Ruins covered 50 acres.

3,000,000 1869-Aug. 4 PHILADELPHIA-Patterson's whiskey stores, containing over 25.000 barrels, burned

3,500,000 1870-June 5 CONSTANTINOPLE--The greater part of Pera was destroyed,

including the English Embassy and about 7.000 houses.. 25,000,000 1871-Oct. 8 CHICAGO-This fire destroyed 18.000 buildings, covering an area of nearly five square miles...

165,000,000 1872-Nov. 9

BOSTON--This fire broke out on a Saturday afternoon and is

regarded as the third largest in modern history. In less than
48 hours it reduced to ruins 748 houses, including many of
the largest business blocks in the city, covering some 60 acres,

including the old post-office and old Trinity Church... 70,000,000 1874Feb. 12 LONDON-The Pantechnicon, Belgrave Square.

9,250,000 1874-July 14 CHICAGO-The buildings destroyed were the New Post-Office,

five hotels, four cha pels, two theatres, etc., extending over
a district of 60 acrés.

4,000,000 1875 Oct. 26 VIRGINIA CITY, Nev.---This city, forming the centre of one of

the richest mining districts in the United States, burned.

The machinery of many of the mines seriously damaged.. 7,500,000 1875-Oct. 27 IQUIQUE. Peru-This fire was discovered at 2 A, M., and before noon three-fourths of the city had vanished.

5,000,000 1876-June 18 QUEBEC-Both sides of Richelieu Street and east side of Champlain Street destroyed

6,000,000 1876-Sept. 3 ST. HYACINTH, Canada-Town nearly consumed, including

the Post-Office, Market, Court House, 3 banks, 80 stores
and 500 other buildings.

15,000,000 1877-June 20

ST. JOHN, N. B.-This fire began in a boiler shop in the

Portland suburb, and extended over an area of 600 acres.
Loss of life estimated at 100.

15,000,0CO 1882-Dec. 11 KINGSTON, Jamaica --This fire started on the wharves along

the river. Thousands of people were rendered homeless.. 10,000,000 1889-June 10 SEATTLE, Wash.-General fire

6,626,000 1889-Nov. 27 BOSTON- Bedford Street, buildings.

5,000,000 1892-July 8 ST. JOHN'S, N. F.-600 buildings.

25,000,000 1892-Oct. 20 MILWAUKEE, Wis.-General fire

5.000.000 1896-Oct. 5 GUAYAQUIL, Ecuador

22,000,000 1897-Nov. 19 LONDON-Cripplegate, 122 warehouses

5,000,000 1900--April 27 OTTAWA, Hull, Ontario

10.000.000 1900-June HOBOKEN, N. J.--Dock property, merchandise and steamers. 4,627.000 1901-May 3 JACKSONVILLE, Fla--General conflagration

10,050,000 1902--Feb. PATERSON, N. J.-456 buildings.

5,817,805 1904-Jan. 23

AESLAND, Norway--Entire town, built of wood, destroyed... 6,000,000 1904-Feb. 7 BALTIMORE-Over seventy blocks and 2.500 buildings were totally destroyed

50.000.000 1904-April 19 TORONTO– Three and a half blocks destroyed.

12,000,000 1906-April 18 SAN FRANCISCO, Cal.

350,000,000

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