The Caledonian. [volume] (St. Johnsbury, Vt.) 1837-1867, 1848-07-22
Are You Insured ?

A NY respectable male person between the
IN ages Of I6 aud 65, and not engaged in a.
ny extrn.hazlrdons employment, can effect an
insurance in the Massachusetts Health lnsur-
ahce Company, by answering in writing the
printed heterogeneous in regard to his age,
constitution, occupation, &c. and obtaining
the certificate ofa physician to the goodness
of his health.
ILLUSTRATION OF THE TABLE OF RATES
Any male person under 25 years of age, and
in fair health, can, by paying somewhat less
than 81 70, be insured an allowance of four
dollars u week for every week of sickness that
he may have, during one year. BY paying
$6,25 annually, man can insure himself
like allowance for all the sickness he may
have between his Both and 35th year. For
about $l2 annually, person in his 1Oth year
can insure himself six dollars week for all
the sickness he may suffer for the next fire
Years Eleven or twelve dollars year will
insure n man between the ayes of 90 and 30,
the comfortable sum of eight dollars week,
for every week Of sickness and disability Gar.
isng from accident or ill health,) which he
may suffer during the same long term oftime;
provided said benefit shall not exceed four
hURdred dOLtarS per GHnum, or $4,000 for the
whole five years. The advantage otlong poll
cies, or insurance for n term OF years, must be
apparent. A person insurng 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 a consumption, or through accident or DIS
ease be permanently disabled, in the first year
ofhis insurance under ''long policy" Mt this
office, he would be in the weekly receipt of the
allowances of the company for upwards Of four
years
DIVISION OF PRoFITs, OR RETURN PRTMI-
UMs TO THE INSURED. No person insured by
lit.
ny can be called upon, in any case whatever,
10 pay anything more than the specified pre-
MUM and policy fee, on account of his con-
1ection with the institution; bUt he IS en-
tilted 10 and loiH reccire share Of The proftS, .
Is it is provided in the charter, that after d.
vision of SIR per cent. only to stockholders, the
emander shall be shared annually with the .
persons insured. In no event will more than
en- per cent he reserved; and should the pro-
its amount to thirty per cent, in this case 20
yer cent would go TO the holders of policies
n the shape of dividend or return premium.
The President and Directors receive no com
sensation whatever, and n strict economy is
deserved in the management of the affairs o.
he Company. At the semi.nnnual meeting
n Dec. lS47, the Secretary represented that
more than 400 persons were connected with
his nstitution-the number of policies applied
mr. during the last quarter averaged more than
100 per month, and the business was constant
V increasing. In the month Of Feb. last, more
han 400 persons became members, and in
'larch the number had increased TO 1880
There Is every prospect that the biennial state
ncnt to the Legislature in June, lS49 the com
amy will be able TO report that they have TO-
90 members. Under these circumstances there
n fair expectation of satisfactory dividend.
Applications for insurance received by the
ubsc riber and all necessary information given
EPHRAIM JEWETT, Agent.
ST. Johnsbury, May 10, 1913. 564m3