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Accident and Health Actuarial Actuarial Bureau agency agents ALLAN WATERS American amount ance annual statement assets Association bill board on program Bonds broker building CASH CAPITAL Casualty Company cent City claims commission Commissioner committee company's cost death disability dividends double indemnity employer Fidelity fire insurance FIRE INSURANCE COMPANY fire losses Group Policy HANOVER FIRE Hartford hazard home office i2mo increase indemnity Insurance Department insurance in force interest issued January Legislature liability loans loss ratio Lusitania manager meeting ment Metropolitan Casualty miums months mortality mortgage Mutual Life Insurance National National Civic Federation ness organization paid panies payment Penn Mutual Phoenix of London plate glass POLICY HOLDERS policyholders Porringer present President rates real estate Reinsurance reserve risks secretary securities selected Service Session Superintendent surance tion tional underwriting United States branch Vice-President Workmen's Compensation writing York York City