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Newspaper Archive of
Golden Valley News
Beach, North Dakota
May 17, 2018     Golden Valley News
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May 17, 2018
 
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May 17, 2018 Golden Valley News Page 7 Insurance 71439 Abstract of Statement For the Year Ending December 31, 2017 of the ASSURITY LIFE INSURANCE COM- PANY In the state of Nebraska Total Assets 2,632,271,199 Total Liabilities 2,297,591,524 Common Capital Stock $2,500,000 Preferred Capital Stock 0 Aggregate write-ins for Other than special surplus $50,000 Surplus Notes 0 Gross paid in and Contributed surplus $0 Aggregate write-ins for Special surplus funds $0 Unassigned funds (surplus) $332,129,677 Less treasury stock, at cost: # shares common $0 # shares preferred 0 Surplus as regards Policyholders 334,679,677 Total Liabilities, Capital And Surplus 2,632,271,201 North Dakota Business Only for the Year 2017 Life & Annuity Total Direct Premiums Written 404,137.41 Total Direct Losses Paid 326,822.57 Accident & Health Total Direct Premiums Written 454,873.94 Total Direct Losses Paid 44,877.54 STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE I, Jon Godfread, Commissioner of In- surance of the State of North Dakota, do hereby certify that the foregoing is a true Abstract of Statement, as offi- cially filed by the Company in this of- fice. In Testimony Whereof, I have hereunto set my hand and affixed the seal of this office at Bismarck, the first day of May, A. D. 2018 (Seal). Jon Godfread Commissioner of Insurance STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE COMPANY'S CERTIFICATE OF AUTHORITY WHEREAS, the above corporation duly organized under the laws of its state or country of domicile; has filed in this office a sworn statement ex- hibiting its condition and business for the year ending December 31,2017 conformable to the requirements of the laws of this state regarding the busi- ness of insurance and WHEREAS, the said company has filed in this office a duly certified copy of its charter with certificate of organi- zation in compliance with the require- ments of insurance law aforesaid, NOW THEREFORE, I, Jon Godfread, Commissioner of Insurance of the State of North Dakota, pursuant to~-the 1~l~6~l~i'0r~ 0f Said laws, do:h~re~y'~ei'- tify that the above named company is fully empowered through its authorized agents and representatives, to trans- act its appropriated business of au- thorized insurance in the state according to the laws thereof, 'until the 30th day of April, A. D. 2018. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal at Bis- marck this first day of May, A. D. 2018 (Seal) Jon Godfread Commissioner of Insurance (May 10, 17 and 24) 84522 Abstract of Statement For the Year Ending December 31, 2017 of the AUTO CLUB LIFE INSURANCE COMPANY In the state of Michigan Total Assets 760,782,373 Total Liabilities 684,393,894 Common Capital Stock $2,954,370 Preferred Capital Stock $19,662,340 Aggregate write-ins for Other than special surplus 0 Surplus Notes 0 Gross paid in and Contributed surplus$66,021,119 Aggregate write-ins for. Special surplus funds 0 Unassigned funds (surplus) -$12,249,350 Less treasury stock, at cost: # shares common 0 # shares preferred 0 Surplus as regards Policyholders 76,388,479 Total Liabilities, Capital And Surplus 760,782,373 North Dakota Business Only for the Year 2017 Life & Annuity Total Direct Premiums Written 396.00 Total Direct Losses Paid 0 Accident & Health Total Direct Premiums Written 0 Total Direct Losses Paid 0 STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE I, Jon Godfread, Commissioner of In- surance of the State of North Dakota, do hereby certify that the foregoing is a true Abstract of Statement, as offi- cially filed by the Company in this of- fice. In Testimony Whereof, I have hereunto set my hand and affixed the seal of this office at Bismarck, the first day of May, A. D. 2018 (Seal). Jon Godfread Commissioner of Insurance STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE COMPANY'S CERTIFICATE OF AUTHORITY WHEREAS, the above corporation duly organized under the laws of its state or country of domicile, has filed in this office a sworn statement ex- Total Direct Losses Paid 13,648.00 of the hibiting its condition and business for Accident & Health CAPITOL LIFE INSURANCE COM- the year ending December 31,2017Total Direct Premiums PANY conformable to the requirements of the Written 3,828.00 In the state of Texas laws of this state regarding the busi- Total Direct Losses Paid 0 Total Assets 301,292,822 ness of insurance Total Liabilities 275,654,578 and STATE OF NORTH DAKOTA Common Capital Stock $3,080,000 WHEREAS, the said company has OFFICE OF THE COMMISSIONER Preferred Capital Stock 0 filed in this office a duly certified copy OF INSURANCE Aggregate write-ins for of its charter with certificate of organi- I, Jon Godfread, Commissioner of In- Other than special surplus 0 zation in compliance with the require- surance of the State of North Dakota, Surplus Notes 0 ments of insurance law aforesaid, do hereby certify that the foregoing is Gross paid in and NOW THEREFORE, I, Jon Godfread, a true Abstract of Statement, as offi- Contributed surplus$14,770,687 Commissioner of Insurance of thecially filed by the Company in this of- Aggregate write-ins for State of North Dakota, pursuant to the rice. Special surplus funds 0 provisions of said laws, do hereby cer- In Testimony Whereof, I have hereunto Unassigned funds tify that the above named company is set my hand and affixed the seal of (surplus) $7,787,557 fully empowered through its authorized this office at Bismarck, the first day of Less treasury stock, at cost: agents and representatives, to trans- May, A. D. 2018 (Seal). # shares common 0 act its appropriated business of au- Jon Godfread # shares preferred 0 thorized insurance in the state Commissioner of Insurance Surplus as regards according to the laws thereof, until the Policyholders 25,638,244 30th day of April, A. D. 2018. STATE OF NORTH DAKOTA Total Liabilities, Capital IN TESTIMONY WHEREOF, I have OFFICE OF THE COMMISSIONER And Surplus 301,292,822 hereunto set my hand and seal at Bis- OF INSURANCE marck this first day of May, A. D. 2018 COMPANY'S CERTIFICATE OF North Dakota Business Only (Seal) AUTHORITY for the Year 2017 Jon Godfread WHEREAS, the above corporationLife & Annuity Commissioner of: Insurance duly organized under the taws of its Total Direct Premiums (May 10, 17 and 24) state or country of domicile, has filed Written 216.00 in this office a sworn statement ex- Total Direct Losses Paid 8,599.00 61190 hibiting its condition and business for Accident & Health Abstract of Statement the year ending December 31, 2017 Total Direct Premiums For the Year conformable to the requirements of the Written 0 Ending December 31, 2017 laws of this state regarding the busi- Total Direct Losses Paid 0 of the hess of insurance AUTO-OWNERS LIFE INSURANCE and STATE OF NORTH DAKOTA COMPANY WHEREAS, the said company has OFFICE OF THE COMMISSIONER In the state of Michigan filed in this office a duly certified copy OF INSURANCE Total Assets 4,211,396,761of its charter with certificate of organi- I, Jon Godfread, Commissioner of In- Total Liabilities3,760,411,201zation in compliance with the require- surance of the State of North Dakota, Common Capital Stock $3,450,000 ments of insurance law aforesaid, do hereby certify that the foregoing is Preferred Capital Stock 0 NOW THEREFORE, I, Jon Godfread,a true Abstract of Statement, as offi- Aggregate write-ins for Commissioner of Insurance of the cially filed by the Company in this of- Other than special surplus $0 State of North Dakota, pursuant to the rice. Surplus Notes $0 provisions of said laws, do hereby cer- In Testimony Whereof, I have hereunto Gross paid in and tify that the above named company is set my hand and affixed the seal of Contributed surplus $16,568,902 fully empowered through its authorized this office at Bismarck, the first day 6f Aggregate write-ins for agents and representatives, to trans- May, A. D. 2018 (Seal). Special surplus funds 0 act its appropriated business of au- Jon Godfread Unassigned funds thorized insurance in the state Commissioner of Insurance (surplus) $430,966,657according to the laws thereof, until the Less treasury stock, at cost: 30th day of April, A. D. 2018. STATE OF NORTH DAKOTA # shares common 0 IN TESTIMONY WHEREOF, I have OFFICE OF THE COMMISSIONER # shares preferred 0 hereunto set my hand and seal at Bis-OF INSURANCE Surplus as regards marck this first day of May, A. D. 2018 COMPANY'S CERTIFICATE OF Policyholders 450,985,559 '(Seal) AUTHORITY Total Liabilities, Capital Jon Godfread WHEREAS, ther above corporation And Surplus 4,211,396,760 Commissioner of Insurance duly organized under the laws of its (May 10, 17 and 24) state or country of domicile, has filed North Dakota Business Only in this office a sworn statement ex- for the Year 2017 87726 hibiting its condition and business for Life & Annuity Abstract of Statement the year ending December 31,2017 Total Direct Premiums For the Year conformable to the requirements of the ' Written 2,156,343.00Ending December 31, 2017 laws of this state regarding the busi- Total Direct Losses Paid 608,147.00 of the hess of insurance Accident & Health BRIGHTHOUSE LIFE INSURANCE and Total Direct Premiums COMPANY WHEREAS, the said company has Written 187,713.00 In the state of Delaware filed in this office a duly certified copy Total Direct Losses Paid 66,887.00 Total Assets 176,051,725,760 of its charter with certificate of organi- Total Liabilities 170,457,436,001 zation in compliance with the require- STATE OF NORTH DAKOTA Common Capital Stock $75,000,000 ments of insurance law aforesaid, OFFICE OF THE COMMISSIONER Preferred Capital Stock 0 NOW THEREFORE, I, Jon Godfread, OF INSURANCE Aggregate write-ins for Commissioner of Insurance of the I, Jon Godfread, Commissioner of In- Other than special surplus0 State of North Dakota, pursuant to the surance of the State of North Dakota, Surplus Notes 0 provisions of said laws, do hereby cer- do hereby certify that the foregoing is Gross paid in and tify that the above named company is a true Abstract of Statement, as offi- Contributed surplus $5,435,279,527 fully empowered through its authorized cially filed by the Company in this of- Aggregate write-ins for agents and representatives, to trans- fice,:~'!C~,?t~] ~"r~it]!/, ~C~ ~~;~i::: Special surplus:funds ",' ~ :~-:~~ Su act its appr0priatedbusiness, of au~ ll~'r~tJt~lh-3o~l~~,~'~.~A~-B .~t~nto U~ssigned funds ~ .' ' : thorized insurance in the Stat# i set my ha~ ~d~X~i:lll~ seal of(surplus) $84,010;232 ~ccording to the laws thereof, Until'the this office at Bismarck, the first day of Less treasury stock, at cost: 30th day of April, A. D. 2018. May, A. D. 2018 (Seal). # shares common 0 IN TESTIMONY WHEREOF, have Jon Godfread # shares preferred 0 hereunto set my hand and seal at Bis- Commissioner of Insurance Surplus as regards marck this first day of May, A. D. 2018 Policyholders 5,594,289,759(Seal) STATE OF NORTH DAKOTA Total Liabilities, Capital Jon Godfread OFFICE OF THE COMMISSIONER And Surplus 176,051,725,760 Commissioner of Insurance OF INSURANCE (May 10, 17 and 24) COMPANY'S CERTIFICATE OF North Dakota Business Only AUTHORITY for the Year 2017 61751 WHEREAS, the above corporationLife & Annuity Abstract of Statement duly organized under the laws of its Total Direct Premiums For the Year state or country of domicile, has filed Written 41,768,124.00 Ending December 31, 2017 in this office a sworn statement ex- Total Direct Losses Paid56,894,014.00 of the hibiting its condition and business for Accident & Health CENTRAL STATES HEALTH & LIFE the year ending December 31,2017 Total Direct Premiums COMPANY OF OMAHA conformable to the requirements of the Written 55,965.00 In the state of Nebraska laws of this state regarding the busi- Total Direct Losses Paid 233,679.00 Total Assets 407,544,378 ness of insurance Total Liabilities 255,623,496 and STATE OF NORTH DAKOTA Common Capital Stock $0 WHEREAS, the said company has OFFICE OF THE COMMISSIONER Preferred Capital Stock $0 filed in this office a duly certified copy OF INSURANCE Aggregate write-ins for of its charter with certificate of organi- I, Jon Godfread, Commissioner of In- Other than special surplus 0 zation in compliance with the require- surance of the State of North Dakota, Surplus Notes 0 ments of insurance law aforesaid, do hereby certify that the foregoing is Gross paid in and NOW THEREFORE, I, Jon Godfread, a true Abstract of Statement, as offi- Contributed surplus $0 Commissioner of Insurance of the cially filed by the Company in this of- Aggregate write-ins for State of North Dakota, pursuant to the rice. Special surplus funds 0 provisions of said laws, do hereby cer- In Testimony Whereof, I have hereunto Unassigned funds tify that the above named company is set my hand and affixed the seal of (surplus) $151,920,882 fully empowered through its authorized this office at Bismarck, the first day of Less treasury stock, at cost: agents and representatives, to trans- May, A. D. 2018 (Seal). # shares common 0 act its appropriated business of au- Jon Godfread # shares preferred 0 thorized insurance in the state Commissioner of Insurance Surplus as regards according to the laws thereof, until the Policyholders 151,920,882 30th day of April, A. D. 2018. STATE OF NORTH DAKOTA Total Liabilities, Capital IN TESTIMONY WHEREOF, I have OFFICE OF THE COMMISSIONER And Surplus 407,544,378 hereunto set my hand and seal at Bis-OF INSURANCE marck this first day of May, A. D. 2018 COMPANY'S CERTIFICATE OF North Dakota Business Only (Seal) AUTHORITY for the Year 2017 Jon Godfread WHEREAS, the above corporation Life & Annuity Commissioner of Insurance ~ duly organized under the laws of its Total Direct Premiums (May 10, 17 and 24) state or country of domicile, has filed Written 578,205.57 in this office a sworn statement ex- Total Direct Losses Paid 235,676.17 94250 hibiting its condition and business for Accident & Health Abstract of Statement the year ending December 31,2017 Total Direct Premiums For the Year conformable to the requirements of the Written 391,020.62 Ending December 31, 2017laws of this state regarding the busi- Total Direct Losses Paid 99,212.46 of the ness of insurance BANNER LIFE INSURANCE COM- and STATE OF NORTH DAKOTA PANY WHEREAS, the said company has OFFICE OF THE COMMISSIONER In the state of Maryland filed in this office a duly certified copy OF INSURANCE Total Assets 3,850,819,355of its charter with certificate of organi- I, Jon Goclfread, Commissioner of In- Total Liabilities 3,099,238,345zation in compliance with the require- surance of the State of North Dakota, Common Capital Stock $3,369,877 ments of insurance law aforesaid, do hereby certify that the foregoing is Preferred Capital Stock $664,557 NOW THEREFORE, I, Jon Godfread, a true Abstract of Statement, as offi- Aggregate write-ins for Commissioner of Insurance of the cially filed by the Company in this of- Other than special surplus 0 State of North Dakota, pursuant to the rice. Surplus Notes 0 provisions of said laws, do hereby cer- In Testimony Whereof, I have hereunto Gross paid in and tify that the above named company is set my hand and affixed the seal of Contributed surplus $1,212,535,424 fully empowered through its authorized this office at Bismarck, the first day of Aggregate write-ins for agents and representatives, to trans- May, A. D. 2018 (Seal). Special surplus funds 0 act its appropriated business of au- Jon Godfread Unassigned funds thorized insurance in the state Commissioner of Insurance (surplus) -$464,988,848 according to the laws thereof, until the Less treasury stock, at cost: 30th day of April, A. D. 2018. STATE OF NORTH DAKOTA # shares common 0 IN TESTIMONY WHEREOF, I have OFFICE OF THE COMMISSIONER # shares preferred 0 hereunto set my hand and seal at Bis-OF INSURANCE Surplus as regards marck this first day of May, A. D. 2018 COMPANY'S CERTIFICATE OF Policyholders 751,581,0t0 (Seal) AUTHORITY Total Liabilities, Capital Jon Godfread WHEREAS, the above corporation And Surplus 3,850,819,355Commissioner of Insurance duly organized under the laws of its (May 10, 17 and 24) state or country of domicile, has filed North Dakota Business Only in this office a sworn statement ex- for the Year 2017 61581 hibiting its condition and business for Life & Annuity Abstract of Statement the year ending December 31,2017 Total Direct Premiums For the Year conformable to the requirements of the Written . ~ 2,998,166.00 Ending December 31, 2017 laws of this state regarding the busi- ness of insurance and WHEREAS, the said company has filed in this office a duly certified copy of its charter with certificate of organi- zation in compliance with the require- ments of insurance law aforesaid, NOW THEREFORE, I, Jon Godfread, Commissioner of Insurance of the State of North Dakota, pursuant to the prOvisions of said laws, do hereby cer- tify that the above named company is fully empowered through its authorized agents and representatives, to trans- act its appropriated business of au- thorized insurance in the state according to the laws thereof, until the 30th day of April, A. D. 2018. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal at Bis- marck this first day of May, A. D. 2018 (Seal) Jon Godfread Commissioner of Insurance (May 10, 17 and 24) 76236 Abstract of Statement For the Year Ending December 31, 2017 of the CINCINNATI LIFE INSURANCE COM- PANY In the state of Ohio Total Assets 4,407,172,258 Total Liabilities 4,212,034,131 Common Capital Stock $3,000,000 Preferred Capital Stock 0 Aggregate write-ins for Other than special surplus 0 Surplus Notes 0 Gross paid in and Contributed surplus $1,000,000 Aggregate write-ins for Special surplus funds $0 Unassigned funds (surplus) $191,138,127 Less treasury stock, at cost: # shares common 0 # shares preferred 0 Surplus as regards Policyholders 195,138,127 Total Liabilities, Capital And Surplus 4,407,172,258 North Dakota Business Only ,for the Year 2017 Life & Annuity Total Direct Premiums Written 1,501,711.00 Total Direct Losses Paid 3,635,155.00 Accident & Health Total Direct Premiums Written 7,318.00 Total Direct Losses Paid 15,102.00 STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE I, Jon Godfread, Commissioner of In- surance of the State of North Dakota, do hereby certify'that the foregoing is a true Abstract of Statement, as offi- cially filed by the Company in this of- rice. In Testimony Whereof, I have hereunto set my hand and affixed the seal of this office at Bismarck, the first day of May, A D. 2018 (Seal)~ JonGodfCead ;-: ~! '~ ' ~ ' Commissioner of Tn'~,ur~a'il~6e ':! ~",~:: STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE COMPANY'S CERTIFICATE OF AUTHORITY WHEREAS, the above corporation duly organized under the laws of its state or country of dom'icile, has filed in this office a sworn statement ex- hibiting its condition and business for the year ending December 31,2017 conformable to the requirements of the laws of this state regarding the busi- ness of insurance and WHEREAS, the said company has filed in this office a duly certified copy of its charter with certificate of organi- zation in compliance with the require- ments of insurance law aforesaid, NOW THEREFORE, I, Jon Godfread, Commissioner of Insurance of the State of North Dakota, pursuant to the provisions of said laws, do hereby cer- tify that the above named company is fully empowered through its authorized agents and representatives, to trans- act its appropriated business of au- thorized insurance in the state according to the laws thereof, until the 30th day of April, A. D. 2018. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal at Bis- marck this first day of May, A. D. 2018 (Seal) Jon Godfread Commissioner of Insurance (May 10, 17 and 24) 81426 Abstract of Statement For the Year Ending December 31, 2017 of the COMMERCIAL TRAVELERS LIFE IN- SURANCE COMPANY In the state of New York Total Assets 29,368,636 Total Liabilities 15,411,090 Common Capital Stock $11,000,000 Preferred Capital Stock 0 Aggregate write-ins for Other than special surplus 0 Surplus Notes 0 Gross paid in and Contributed surplus $3,000,000 Aggregate write-ins for Special surplus funds $18,000 Unassigned funds (surplus) -$60,454 Less treasury stock, at cost: # shares common 0 # shares preferred 0 Surplus as regards Policyholders .13,957,546 Total Liabilities, Capital And Surplus 29,368,636 North Dakota Business Only for the Year 2017 Life & Annuity Total Direct Premiums Written 0 Total Direct Losses Paid 0 Accident & Health Total Direct Premiums Written 1,198.00 Total Direct Losses Paid 0 STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE I, Jon Godfread, Commissioner of In- surance of the State of North Dakota, do hereby certify that the foregoing is a true Abstract of Statement, as offi- cially filed by the Company in this of- rice. In Testimony Whereof, I have hereunto set my hand and affixed the seal of this office at Bismarck, the first day of May, A. D. 2018 (Seal). Jon Godfread Commissioner of Insurance STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE COMPANY'S CERTIFICATE OF AUTHORITY WHEREAS, the above corporation duly organized under the laws of its state or country of domicile, has filed in this office a sworn statement ex- hibiting its condition and business for the year ending December 31, 2017 conformable to the requirements of the laws of this state regarding the busi- ness of insurance arid WHEREAS, the said company has filed in this office a duly certified copy of its charter with certificate of organi- zation in compliance with the require- ments of insurance law aforesaid, NOW THEREFORE, I, Jon Godfread, Commissioner of Insurance of the State.of North Dakota, pursuant to the provisions of said laws, do hereby cer- tify that the above named company is fully empowered through its authorized agents and representatives, to trans- act its appropriated business of au- thorized insurance in the state according to the laws thereof, until the 30th day of April, A. D. 2018. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal at Bis- marck this first day of May, A. D. 2018 (Seal) Jon Godfread Commissioner of Insurance (May 10, 17 and 24) 77828 Abstract of Statement For the Year Ending December 31, 2017 of the COMPANION LIFE INSURANCE COMPANY In the state of South Carolina Total Assets 375,578,010 Total Liabilities 161,140,423 Common Capital Stock $2,500,000 Preferred Capital Stock $0 Aggregate write-ins for Other than special surplus $0 Surplus Notes 0 Gross paid in and Contributed surplus $31,651,512 Aggregate write-ins for Special surplus funds $5,670,847 Unassigned funds (surplus) $172,607,989 Less treasury stock, at cost: # shares commOn 0 #shares prefeti'ed; ~' 0 Surplus as regards Policyholders 212,430,348 Total Liabilities, Capital And Surplus 373,570,771 North Dakota Business Only for the Year 2017 Life & Annuity Total Direct Premiums Written 68,259.00 Total Direct Losses Paid 0 Accident & Health Total Direct Premiums Written 5,223,082.00 Total Direct Losses Paid 6,161,392.00 STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE I, Jon Godfread, Commissioner of In- surance of the State of North Dakota, do hereby certify that the foregoing is a true Abstract of Statement, as offi- cially filed by theCompany in this of- rice. In Testimony Whereof, I have hereunto set my hand and affixed the seal of this office at Bismarck, the first day of May, A. D. 2018 (Seal). Jon Godfread Commissioner of Insurance STATE OF NORTH DAKOTA OFFICE OF THE COMMISSIONER OF INSURANCE COMPANY'S CERTIFICATE OF AUTHORITY WHEREAS, the above corporation duly organized under the laws of its state or country of domicile, has filed in this office a sworn statement ex- hibiting its condition and business for the year ending December 31, 2017 conformable to the requirements of the laws of this state regarding the busi- ness of insurance and WHEREAS, the said company has filed in this office a duly certified copy of its charter with certificate of organi- zation in compliance with the require- ments of insurance law aforesaid, NOW THEREFORE, I, Jon Godfread, Commissioner of Insurance of the State of North Dakota, pursuant to the provisions of said laws, do hereby cer- tify that the above named company is fully empowered through its authorized agents and representatives, to trans- act its appropriated business of au- thorized insurance in the state according to the laws thereof, until the 30th day of April, A. D. 2018. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal at Bis- marck this first day of May, A. D. 2018 (Seal) Jon Godfread Commissioner of Insurance (May 10, 17 and 24)