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from $25 million in 1880 to more than $200 million by the time of his death in 1922, with the amount of insurance in force increasing eighteenfold. The techniques it used under Bulkeley to reach the minimum required return on investment of 4 percent included loaning to farmers on the developing frontier, and, as they repaid and the areas they were in became more stable, investing in the municipal bonds of Western towns. Among the new lines of insurance Aetna developed under Bulkeley were accident, liability,

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