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Assets over $190,000,000.

The Income Life Policy offered by this company, combines in a simple form of contract, all the best features of insurance and investment, and at rates easily within the reach of the man of modern means. The premiums on this form of policy are payable either for life or for a definite term of years, as may be selected by the applicant, while the many options offered to the insured at the termination of the distribution period place this policy in a conspicuous place among the many contracts offered.

The unquestioned financial strength of the Mutual Life, backed by assets of over $190,000,000, leaves no doubt as to the security offered, and the fact that this great company has paid to policy-holders and beneficiaries the enormous sum of over $367,000,000 since its organization, has given it a world-wide reputation for equity and justice.

For further information, apply to the head office of the company,

32 Nassau Street, New York,

or to the nearest General Agent.

The

Communipau

Coal Company.

YARD: COMMUNIPAU, JERSEY CITY.

YARD: 617 to 621 Eleventh Ave., bet. 45th and 46th Sts., New-York, 111 Broadway, Room 40.

NEW-YORK OFFICES:

621 Eleventh Avenue.

POSTOFFICE BOX 2209.

TELEPHONE CALLS: Uptown, 656 38th St.; Downtown, 175 Cortlandt.

UR YARDS are kept supplied with carefully selected Coal shipped direct from the mines of the Lehigh and Wilkes-Barre

Coal Company via Central Railroad New-Jersey.

CITY, RIVER and HARBOR TRANSPORTATION CO.

Principal New-York Offices:

PIER 18, NORTH RIVER, FOOT OF CORTLANDT-ST.

River and Harbor lighterage. Sea and harbor towing. Freight forwarded to all parts of the world, The Starin Ship Yard and Iron Works, Port Richmond, S. I. Dry docks, boiler shops. Vessels built and repaired. Glen Island, America's day summer resort; the most beautiful pleasure ground in the world. Starin's New-Haven Line. New-York and New-Haven daily freight and passenger service. Starin's excursions. Saloon steamers, barges and tugs. Eight beautifully situated groves. Starin's City Transfer; freight carted to all parts of the city. The Starin Silk Fabric Co., Fultonville, N. Y.; Silk Jersey Cloth, Gloves and Mitts.

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"The Seven States' Examination Committee's Certificate.”

New-York Life Insurance Company,

346 & 348 Broadway, New York City.

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COMMISSIONERS' CERTIFICATE.

New York City, November 28, 1894.

WE, the Insurance Commissioners and Superintendents of the States of Massachusetts, Illinois, Kansas, Kentucky, Missouri, Ohio and Texas, pursuant to the invitation of the President of the Company, dated June 1, 1894, do hereby certify that we have been for the past four months engaged in a thorough and searching official investigation into the affairs of the NewYork Life Insurance Company of the City of New York. We further certify that each Stock and Bond owned, each Collateral Loan, each Bond and Mortgage Loan made, the Cash and each Bank Certificate of Deposit was carefully examined, checked and verified; that the Policy Loans and Premium Notes were examined and checked with the Reserve on each Policy; that Interest and Rents due and accrued, unreported and deferred Premiums, were also verified; that the Values of Stocks and Bonds owned, and Real Estate owned, were individually and closely scrutinized and conservatively made; that the title to each piece of property secured. and Bond and Mortgage Loan made since the 1891 New-York State Insurance Department Investigation, was examined and found satisfactory. That the Policy Reserve was checked and verified by the Actuaries_of our several State Insurance Departments, and that every Policy and its Reserve, on the books of the Company, was checked individually with the Valuation Policy Registers of the Massachusetts Department; that all Sundry Liabilities were also verified; that each debit and credit entry in the Company's books was checked from the date of the said New York State Investigation; and that as a result, on the most conservative basis of valuation, we found the Company possessed of ASSETS satisfactory to us, amounting to

$155,453,428.73

And that, after providing for all possible Liabilities, including $135,058,291.00 for outstanding Policy Reserve, as per the "Combined Experience Table of Mortality." with 4 per cent. interest, the total of the same amounted to $138,124,363.81.

We further certify that, by the severest test, the NET SURPLUS to policy-holders, after providing for every Liability, and deducting Agents' Balances, was on June 30, 1894.

$17,329,064.92

IN WITNESS WHEREOF, we have hereunto subscribed our respective names, in the City of New York, the day and year above written.

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CIRCULATION

OF THE

New-York Weekly Tribune

DURING THE YEAR 1894,

Showing number of copies for each week of the year.

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Mutual Reserve Fund Life Association

HOME OFFICE,

Corner Broadway and Duane St., New York.

"FOUNDED UPON A ROCK."

"And when the flood arose, the stream beat vehemently upon that house, and could not shake it: for it was founded upon a rock."

$35,000,000 Saved in Premiums.

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TOTAL INSURANCE IN FORCE EXCEEDS $280,000,000, Excellent Positions Open in its Agency Department in every Town, City and State, to experienced and successful business men, who will find the Mutual Reserve the very best Association they can work for. Correspondence with the Home Office Invited.

E. B. HARPER, President.

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