The Caledonian. [volume] (St. Johnsbury, Vt.) 1837-1867, 1848-06-24
Are YOn Insured +!

| A NY respectable male person between the
| IN. ages of I6 and 65, and not engaged IN u
| nv extra hazardous employment, can ehect an
insurance in the Massachusetts Health lnsur-
ance Company, by answering in writing the
printed interrogatories in regard to ms age
constitution, occupation, &c. and obtaining
the certificate of a physician TO the goodness
of his health.
| ILLUsTRATIoN OF THE TABLE OF RATES
ANY male person under % years of ge,and
in fair health, can, by paying somewhat less
than 81, 70, be insured allowance OF four
dollars week for every week Of sickness thnt
he may have, during one year. by paying
1925 annually, man can insure himself n
like allowance for all the sickness he may
have between his 30th and 35th year. For
about $12 annually, person in his 10th year
can insure himself six dollars week for all
the sickness he may suffer for the next ire
years. Eleven or twelve dollars n year viii
insure man between the ages of 20 and 80,
the comfortable sum of eight dollars a week,
for every week of sickness and disability Jar
isnr from accident or i'll healthy which he
may suffer during the same long term OF time;
provided said benefit shall not exceed four
hundred dollars per aRnltTn, or $4,000 for the
whole five years. The advantage oflong poll
ces, or insurance for n 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 hrs
policy. Should he be stricken with palsy, go
into a consumption, OF through accident or dis
ease be permanently disabled, in the first year
of his insurance under a ''long policy" ut this
office, he would be in the weekly receipt of the
allowances of the company for upwards offour
years
DIVISION OF PRoFITs, OR RgTURN PREMI-
UMs TO THE INSURED. No person insured by
the Mnsanchusetts Health Insurance. Comma
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 institution; bat he rs en-
titled 10 and SoiH receive share Of the profits,
it is provided in the charter, that after d.
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 20
per cent would go to the holders of policies
in the shape of a dividend or return premium.
The President and Directors receive no COM
pc nsaton whatever, and a strict economy is
observed in the management of the affairs OF
the Company At the semi-Annual meeting
in Dec. IS47, 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 $780,
There IS every prospect that the biennial state
ment TO the Legislature in June, lS49, the COM
pany will be able TO report that they have TO- |
900 members. Under these circumstances there
is fair expectation of satisfactory dividend. |
Applications for insurance received by the |
subscriber and all necessary infor nation given.
EPHRAIM JEWETT, Agent.
St Johnsbury, Nav 10, 1S45 56lm3