The Caledonian. [volume] (St. Johnsbury, Vt.) 1837-1867, 1848-06-10
Are You Insured 1!

A NY respectable male person between the
N uges of ] and 60, and not engaged in a.
ny extra hazardous employment, can effect an
insurance in the Massachusetts Health lnsur-
ance Company, by answering in writing the
printed interrogatores in regard to his age,
constitution, occupation, &c. and obtaining
the certificate of u physician TO the goodness
of his health.
ILLUSTRATION or THE TABLE OF RATES
ANY male person under 25 years of age and
in fair health, can, by paying somewhat less
than $4 10, be insured an allowance of four
dollars week for every week of sickness that
he may have, during one year BY paying
sc, 20 annually, u man can insure himself Il
like allowance for all the sickness he may
have between his 30th and Both year. For
about Sl2 nually, person in his doth year
can insure himself six dollars week for all
the sickness he may suffer for the next tDe
yeGrs Eleven or twelve dollars year will
insure a man between the ages of 20 and 30,
the comfortable sum Of eight dollars week,
for every week of sickness and disability (ar-
ising from accident or i'll healthy which he
may suffer during the same long term of time;
provided said benefit shall not exceed tour
hundred dollars per aRnum, or S2,OOO Tor the
whole five years. The advantage oflong poll
cies, or insurance for a term Of years, must be
apparent A person insuring merely from
year to year, makes provision against transient
sickness only, and should he be disabled dur
ing the whole of the last three months, no
health insurance company would renew his
policy. Should he be stricken with palsy, go
into consumption, or through accident or dis
ease be permanently disabled, in the first year
ofhis insurance under ''long policy" at this
office, he would be in the weekly receipt OF the
allowances of the company for upwards OF four
years.
DrvisIoY OF PRorITs, or RETURN PRrMI-
UMs TO THE INSURED, No person insured by
the Massach usetts Health Insurance Compa-
ny can be called upon, in any case Whatever,
to pay anything more than the specified pre-
MUM and policy fee, on account OF his con-
nection with the institutions; but he rs en-
titled to and 1oM reoeiro a share Of the profits,
as it is provided in the charter, that after dl-
vision of sir per cent. only to stockholders, the
remainder shall be shared annually with the
persons insured. In no event will more than
ten per cent. be reserved; and should the pro-
fits amount to thirty per cent, in this case 70
per cent. would 10 to the holders of policies
in the shape of dividend or return premium.
The President and Directors receive no com
pensation whatever, and n strict economy IS
observed in the management of the affairs o;
the Company. At the sem-annual meeting
in Dec 1s47, the Secretary represented that
more than 400 persons were connected with
this institution-the number of policies applied
for during the last quarter averaged more than
800 per month, and the business constant
! ly increasing. In the month of Feb. last, more
than 400 persons became members, and IN
March the number had increased TO $500
There every prospect that the biennial state
ment to the Legislature in June, 1919, the com
pany will be able TO report that they have TO-
900 members. Under these circumstances there
is a fair expectation of n satisfactory dividend.
Applications for insurance received by the
subscriber and all necessary infor nation given.
EPHRAIM JEWETT, Agent
St. Johnsbury, May 10, 1913. 564m3