LIFE UNDERWRITERS' ASSOCIATION OF NEW JERSEY.

Delegates.

*Clark P. Williams, Metropolitan.
*George H. Simonds, Home.
*Theo. T. Johnson, Mutual.
O. L. Gooding, Northwestern.
*George B. Speer, Prudential.
A. W. Bray, Mass. Mutual.
Frederick E. Crotois, Germania.
Robert B. Cronish, Mutual Benefit.
Frederick W. Tassney, Prudential.

Alternates.

W. F. Van Pelt, Equitable.

Jesse C. Greene, Provident Savings.
*Charles L. Whitfield, Mutual.
Paul H. Day, Mutual Benefit.
Clinton F. McCord, Penn Mutual.
George B. Raymond, Mutual.
W. H. Lushear, Union Mutual.
*Cyrus H. Lang, Prudential.
H. W. Van Sant, Travelers.

LIFE UNDERWRITERS' ASSOCIATION OF NEW YORK.

J. E. Goulden, Penn Mutual.
*J. A. Jackson, Mutual.
Seth H. Whiteley, New England.
W. A. Nicolay, Etna.
John H. Robinson, Berkshire.
John R. Murray, State Mutual.
*Moore Sanborn, Security Mutual.
J. Carlton Ward. Prudential.
W. O. B. Clifford, New York.
William C. Johnson, Phoenix Mut.
Thomas P. Spencer, Travelers.
Dunbar Johnston, Colonial.
ASSOCIATION OF PEORIA, ILL.

Tilden Blodgett, Equitable.
*John F. Makley, National.
*Richard E. Cochran, United States.
Thomas P. Goodrich, Prov. L. & T.
*J. A. Goulden, Penn Mutual.
Frank K. Kohler, John Hancock.
*George A. Brinkerhoff, Mutual.
*John W. Vrooman, Prov. Savings.
Charles Wake, Equitable.
James B. Whiton, New England.
T. P. Wilsnack, John Hancock.
*Archibald Arthur, United States.
LIFE UNDERWRITERS'
*George L. Root, Penn Mutual.
*H. B. Jameson, Prudential.
J. Baimer, Prudential.
H. A. Spencer, Mutual.

Joseph W. Goudy, Mutual.
G. C. Goodfellow, Conn. Mutual.
E. D. Monroe, Equitable.
H. W. Keith, John Hancock.

LIFE UNDERWRITERS' ASSOCIATION OF WESTERN MASSACHUSETTS.

*George H. Wilkins, National.
*William P. Draper, Northwestern.
*George H. Sutton, Mutual.
*George P. Mitchell, New England.
F. C. Brinkerhoff, Mutual.
W. H. Dyer, Berkshire.

LIFE UNDERWRITERS'
E. A. Spencer, Equitable.

F. P. Trask, Mass. Mutual.
C. D. Munroe, Union Central.
Archibald Ladner, Provident L.& T.
F. C. Stedman, Mutual.
F. W. Fuller, Equitable.
*William Tolman, Berkshire.
ASSOCIATION OF WESTERN NEW YORK.
J. W. Pressey, Penn Mutual.
W. F. Wright, Union Central.
H. E. Crouch, Northwestern.
J. D. McCalmont, Canada.
G. N. Smith, John Hancock.

W. G. Justice, Provident L. & T.
*W. J. Robinson, United States.
*P. M. Bredel, Home.
W. H. Joyce, Prudential.

MAINE LIFE UNDERWRITERS' ASSOCIATION.

*J. W. Fitzpatrick, Mutual.
I. A. Hayes, Union Mutual.
C. C. Blanchard, Northwestern.
S. D. Bartlett, Metropolitan.
J. P. Stevens, Mass. Mutual.
G. M. Barney, Travelers.
B. G. March, Penn Mutual.

W. Noyes, New England Mutual.
C. F. Dunlap, Mutual Benefit.
A. C. Westcott, Prudential.
H. S. Dyer, New York.
E. P. Langley, Metropolitan.
E. G. Brackett, Washington.
M. A. Jewell, Union Mutual.

NEW ENGLAND WOMEN'S LIFE UNDERWRITERS' ASSOCIATION. *Miss E. A. Ransom, The Standard. Mrs. M. W. Lawrence, Mutual. *Miss Julia A. Sprague, Mutual. *Mrs. Florence E. Shaal, Equitable. Miss Harriet A. Farrar, Mutual.

*Miss Lucy G. Morrill, Equitable.
Mrs. Mary E. Norfolk, Mutual.
Mrs. V. B. Peakes, New York.
Mrs. Martha A. Sisk, Prudential.
Dr. Sarah M. Crawford, Med. Exam.

NEW HAMPSHIRE LIFE UNDERWRITERS' CLUB.

R. H. Cheney, Mutual.

J. J. Donahue, New England Mut.
C. E. Staniels, Conn. Mutual.
W. S. Jewell, Equitable.

D. W. Baker, Conn. General.

PHILADELPHIA ASSOCIATION

William H. Lambert, Mutual.

E. Scott Owen, Conn. General.
C. S. Parker, Etna.

W. S. Martin, Mass. Mutual.
H. C. Eastman, Prudential.
*R. W. Cheney, Mutual.

OF LIFE UNDERWRITERS.
*H. W. Littlefield, Phoenix Mut.

*Joseph Ashbrook, Provident L. & T. *F. H. Garrigues, Penn Mutual.

*Richard Fisher, Washington. H. C. Lippincott, Penn Mutual. Amos Wakelin, N. E. Mutual.

*Frank Read, National, Vt.

Wm. M. Scott, Provident L. & T.

*James H. Glenn, Mutual Benefit.
H. O. Chapman, Conn. Mutual.
Dr. C. E. Lawton, Mutual.
William E. Heritage,

*A. C. Otis, Union Mutual.

PITTSBURG LIFE UNDERWRITERS' ASSOCIATION.

*Graham C. Wells, Provident L.& T. *A. F. McDonald, Reliance.
*William M. Wood, United States.
Jos. J. Tillinghast, Mutual Benefit.
*S. L. Fleishmann, Reliance.
*Charles W. Scovel, Prov. Savings.
Edward A. Woods, Equitable.
*R. A. Clark, Phoenix Mutual.
*F. G. Brown, Etna.

F. E. Sherrill. Canada.
W. A. Zhan, Security T. & L.
*D. J. Dwyer, United States.
W. M. Furey, Berkshire.
*L. C. Robens, Reliance.
*A. Bert Brown, Etna.

*L. Rees Alexander, Prov. L. & T.

*W. C. Baldwin, Pittsburg L. & T. W. H. McManus, Equitable.

*C. B. Knight, Prudential.

*E. E. Dodson, Pittsburg L. & T.

PROVIDENCE ASSOCIATION OF LIFE UNDERWRITERS.

Delegates.

Mark L. Dunning, John Hancock.
Glover S. Hastings, New England.
John F. Huntsman, Mut. Benefit.
Fred'k H. Jackson, Mutual, N. Y.
R. W. Thompson, Mutual, N. Y.

TOLEDO (0.) LIFE

Alternates.

Harry B. Brice, Prudential.
K. R. Brockenbrough, Phoenix.
George M. Parks, Mass. Mutual.
R. P. Gifford, Provident L. & T.
N. W. Hayward, Conn. Mutual.
UNDERWRITERS' ASSOCIATION.

J. J. Mooney, Michigan Mutual.
*Thomas J. Stewart, Prudential.
G. W. Farley, Equitable, Ia.
C. E. Holt, Mutual.

T. Q. Dix, Mutual Benefit.

R. E. Ferguson, Mutual Benefit.
J. S. Adkins, Michigan Mutual.
Jno. P. McAffee, Union Central.
W. W. Kelchner, Equitable, Ia.
B. W. Griffin, Mutual.

VERMONT LIFE UNDERWRITERS' ASSOCIATION.

*S. S. Ballard, National, Vt.

F. W. Putnam, Travelers.

H. J. Daigh, Prudential.

E. I. Drury, Connecticut General.

F. H. Brown, Home.

The following members of local associations were also in attendance:

Central Pennsylvania Association-J. F. Mitzel, Fidelity Mutual.
Cincinnati Association-George H. Stapely, Berkshire.

Cleveland Association--J. W. Packard, Jr., Mutual Benefit; J. J. Devney, president American College of Insurance.

Columbus Association-Hon. Henry Bohl, honorary member.
Chicago Association-Isaac B. Snow, State Mutual.

Life Underwriters' Association of Western Massachusetts-E. O. Sutton, Mutual.

New Hampshire-John W. Harmon, Hartford.

Philadelphia Association of Life Underwriters-William G. Carroll, Connecticut General; J. H. Jefferies, Penn Mutual; J. Thomas Moore, Provident L. & T.; George F. Schilling, State Mutual; Reginald Begonia. Pittsburg Life Underwriters' Association-Peter L. Dempsey, Provident L. & T.; James C. Biggert, Penn Mutual.

When the name of J. A. Goulden of New York was called, Col. John W. Vrooman rose and said:

Mr. President--The experience just related by our friend Mr. Goddard is not exceptional. It is the common lot of man. My friends, we indeed live in the shadow as well as the sunshine. Col. Goulden is under the shadow; he was obliged to leave here on an early morning train

and visit a home which contains the dead body of a dear relative. I am sure our hearts go out to him in sympathy. He requested me to ask that he be excused for today. He expects to be present at the sessions tomorrow.

President Farley-The next order of business, gentlemen, will be the reading of the minutes of the previous convention.

Mr. I. Layton Register-I move the reading of the minutes be dispensed with, they having already been printed.

The motion was seconded and carried.

Vice-President D. F. Appel of Boston, at the request of President Farley, then took the chair during the reading of the following address by the president:

Ladies and Gentlemen: The distinguished honor which has been accorded me to preside at this, the fourteenth annual convention of the National Association of Life

Underwriters, commands my sin

cere appreciation, and further serves to emphasize the earnest and honest support which has been contributed to the progress and welfare of the present administration. During the official year now drawing to a close, it has been gratifying to find brotherhood and sincerity in ample evidence, and in no less degree fully as conspicuous as has been the marked improvement exhibited in the general conduct of the life insurance business, from the highest executives of the various companies down to the rank and file of the agency corps. It may well be a matter of congratulation to all life insurance interests at large that a better condition of affairs now exist than has been the -case for many years past, not only in reference to company methods but likewise in the conduct and bearing of the life agents or solicitors, calling them as you will "superintendents," "managers, or "field men. Under such favorable circumstances I bid you welcome and

sincerely trust the fruitage of this gathering will be abundant and valuable.

It is a matter of further congratulation to the members who are here assembled that we have with us the presence of the ladies, which not only adds to the beauty and charm of the occasion, but also commands the quiet, dispassionate discussion of our business affairs, and serves to eliminate all that which might lead to personality, even through persiflage, and also makes to avoid sacrifice of decorum and dignity. I thus acknowledge your valued attendance ladies, and it is my happy privilege to bid you an especial welcome, and I sincerely hope you will attend every public session of the convention.

We are here in convention assembled for conference on lines of mutuality between the great and growing life insurance interests and the field workers whose duty it is to carry out the plan and scope of the various companies whose representatives are here convened. Some there are who claim if at our annual meetings we do nothing more than get acquainted with one another, to exchange ideas and talk over the prevailing situation of affairs concerning our business, such annual conventions would be well worth the expense and time of attendance upon them, but to my mind this falls far short of being enough to prove satisfactory as the result of our convention effort, for we should carry away with us a fixed and determined purpose to contribute our personal or individual share to the uplifting of the business we are engaged in from the very moment of the adjournment of one convention to the opening of the next succeeding one, where once more we gather to discuss conditions and exchange ideas and experiences.

Throughout the length and breadth of this great land of ours there are times when the even tenor of affairs is rudely shocked by turmoil and travail, but to the business we are engaged in there has come no marked catastrophe, and the material growth has been unchanged, unshaken, firm and steadfast, and out of the wreck of fortune or waste of substance, the insurance policy has at times been all that was left to the family in this hour of desolation, payable at full face value, and oftentimes more with material increase. In the year 1902 there was a very marvelous development of the business and the