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This Com

rage of dividend than any other company in the World.

At the end of thirty years' experience having paid the families of 4,224 deceased Members the sum of $17,186,014.82, and returning in dividends to the insured $16,362,010.8.), the company have over $31,000,000.00 of assets, which it holds in trust to meet its obligations to Policy Holders. It is in a condition to give every possible' advantage to its insured. All its policies are non-forfeiting after the payment of 2 annual premiums. Attention is invited to the Accelerative Endowment Plan. H. N, LOOMIS, M. D. ! D.

L. W. MOODY, Medical Examiner.

District Agent for Western New York, No. 3 Brown's Building, Buffalo, N. Y.

AGENTS WANTED.

(ALEXANDER ARMSTRONG, MANAGER.)

179 Main Street,

BUFFALO, N. Y..

HEAD OFFICE MCKILLOP & SPRAGUE CO., NEW YORK.

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WEEKLY AND DAILY SHEETS, CONTAINING ONE THOUSAND NAMES, ON AN AVERAGE EACH WEEK' GIVING, NEW NAMES AND RATINGS, AND ALI, IMPORTANT CHANGES-EQUIVALENT TO A NEW BOOK EVERY WEEK, AND NECESSITY OF APPLICATION TO THE OFFICE IN MOST CASES OBVIATED ON ACCOI'NT OF THIE KEY.

Associate Offices in all important Cities, and Correspondents in every Town and tUlage throughout the U. S. and Canada.

THE COMMERCIAL AGENCY REGISTER is the Standard Book of Reference, giving the credit ratings and pecuniary strength of Banks, Bankers, Merchants, Mamufacturers, and Business men generally, throughout the whole of the United States and the Domivion of Canada, and is the most complete und reliable work of the kind.

A full report can be obtained from the office Records, of the present position and business history of every firm in the Regntain the haste, upon which each niting been made

In point of time The Commercial Agency is fully justified in claiming a genuine seniority abore all other Agencies, it having been the first to report the entire country including the lurge cities, since 1812.

Its European arrangements are very superior, and this Agency is the only one where regular Reference Books for the chief Cities of Great Britain, published by its Associates, can be found.

Special attention given to the collection of good and doubtful debts throughout every part of the United States, the Dominion of ('anada and Europe,

The Commercial Agency could easily procure a volume of testimonials in their favor from Banking and Commercial Houses of the highest reputation. They are, however, too long and favorably known to require endorsers, and only ask that they be judged by their merits.

Parties having use for The Commercial Agency are respectfully invited to call and examine its system of reporting and collecting.

HEAD OFFICE, NEW YORK.

ASSOCIATE OFFICES.

Albany, N. Y
Elmira, N. Y.

Philodelphia, Pa.
Baltimore, Ma.
Galveston, Texas.

Pittsburg, Pa.
Bay City, Mich.

Grand Rupids, Mich. Portlaud, Oregon.
Binghamtoi, N. Y. Indianapolis. Ind.

Quincy, II.
Boston, Ma-n.
Kalamazoo, Mich.

Rochester, N. Y.
Buffalo, N. Y.
Kansas City, Mo.

San Francisco, Cal.
Chicago, Ill.:
Louisville, Ky.

St. John, NOB.
Cincinnati, Ohio.
Milwaukee, Wis.

St. Joseph, Mo.
Cleveland, Ohio,
New Orleans, La.

St. Louis, Mo.
Detroit, Mich.

Oswego, N. Y,
And other important cities in the U. S. and Canada.

St. Paul, Minn.
Syracuse, N. Y.
Toledo, Ohio.
Troy, NY
Utica, N. Y.
Tlalix, N. S.
Hamilton, Canada,
Montreal, Canada.
Toronto, Canada.

CORRESPONDING OFFICES.

IN INGLAND.- London, Liverpool, Manchester, Bir

mingham, Bristol, Leeds, Southampton, Brigh

ton. Sheffield, Norwich, Newcastle, IN IRELAND.-Dublin, Belfast, Cork.

IN SCOTLAND.--Glasgow. Edinburgh.
IN FRANCE, -Paris, Bordeux.
IN GERMANY. - Leipsic, Berlin, Frankfort.
IN ITALY.-Venice,

" It is no hyperbole to speak of the grandeur of the beneficent operation of this stately Life Institution,

and its greatness is still increasing."-Insurance Times.

NEW YORK LIFE INSURANCE

CO

346 and 348 Broadway, NEW YORK. MORRIS FRANKLIN, Prest. WM. H. BEERS, Vice-Prest.

During its thirty years of business it has insured persons numbering over 115,000 Received in premiums, over..

$59,000,000 Paid members and their families

30,000,000 Besides accumulating to meet its future obligations, nearly ...... 33,000,000

A PURELY MUTUAL COMPANY,

IT FURNISHES INSURANCE AT COST FOR

It has no stockholders to skim the cream of its profits, and no stock commanding a premium of

600 per cent. ITS DIVIDENDS, (which are available, in reduction of the second and all subsequent premiums,) increase annually, and in 1874-including reversion and

return premiums-were $3,026,605. Its ratio of expense to income decreases annually and in 1874 was 8.79 per cent. IT'S RATIO OF EXPENSE TO PREMIUMS IS LESS THAN THAT OF ANY

COMPANY IN THE WORLD.
In Ratio of Assets to Liabilities it has but two equals among the leading Companies.

IN SOLID GROWTH IT HAS NO RIVAL.

In 1874 its increase of Assets was $2,917,788. It endowed the widows and orphans of its

deceased members with the princely sum of $1,469,686, while
Its annual interest paid its death losses and left a balance of nearly $200,000.

In 1860 it originated the non-forfeiture policy since adopted by all respectable Companies.

ITS TON TINE INVESTMENT POLICY has won the unqualified endorsement of the ablest Actuaries, and with business men is to-day the most popular form of Life Insurance. In its combination of

ECONOMY, SECURITY, ENERGY AND LIBERALITY

in settlement of losses, the “OLD NEW YORK LIFE” is without a peer.

B The husband and father seeking protection or endowment, will find in it the highest realization of his wishes and his need.

CHOOSE THE COMPANY where the smallest ratio of your money will be wasted and the largest interest on the investment assured.

Liberal terms given to a few good canvassers.
Inquiries can be addressed by letter or in person to

WM. W. MACOMBER, Manager,

No. 235 MAIN STREET.

OFFICE HOURS: 11% A. M. TO 12% P. M. and 4 to 6 P. M.

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