Insurance Company.

JOHN A. MCCALL,

President,

346 and 348 Broadway, New York City,

WHY DID I INSURE IN THIS COMPANY?

BECAUSE

It is one of the strongest companies in the world.

It has in Assets over.

It has in Surplus over..

It earned for policy-holders last year from interest and rents over..

.$200,000,000

.$28,000,000 $9,000,000

It is purely mutual, and all of its assets, surplus and earnings belong to its policyholders.

It has an honorable record of 53 years, during all of which time it has steadily increased in strength and prosperity.

Its policies as now issued contain no restriction as to residence, travel or occupation, habits of life or manner of death.

The SOLE condition is that if premiums are paid the Company will certainly pay the policy immediately in the event it becomes a claim by death, and thus leave a widow or an estate a legacy and not a law-suit.

Its policles cannot be forfeited after three years, and if allowed to lapse, the insured will receive the full benefit of his payments either in a paid-up policy, or extended insurance, as he may elect.

It gives a grace of one month in the payment of premiums.

Its policies will be re-instated at any time during the five months following the month of race if the insured passes a medical examination and pays the back premium with interest.

You can borrow money from the Company at 5% per annum, after your policy has been three years in force.

You do not have to DIE TO WIN. If you live 10, 15, or 20 years you can settle your policy in any way that best suits your circumstances at the time-for cash, paidup insurance, annuity, or other options.

Your insurance is not a luxury, nor an expense without tangible return, but is an investment of a small sum each year to mature 10, 15, or 20 years hence, if you live.

If you live to the end of the term you will have made a substantial provision for y, urself in old age, and if you die before the end of the term you will have made a substantial provision for your family or your estate.

It is the most valuable estate you will leave behind you, more certain in its results than lands, houses, stocks, or bonds, as its value does not rise and fall with the market.

The New-York Life Insurance Company is the ONLY company in which you can get ALL of these benefits.

You want the very best-the most privileges and the fewest restrictions, whether small or great-and the New-York Life's Accumulation Policy furnishes it.

The New-York Life is the only large Life Insurance Company that closes its books on December 31st, each year, and makes its Detailed Annual Report early in Jan vary, upon the basis of Pald-for Business, and publishes a full and complete Statement of how and where the policy-holders' money is invested.