The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-02-13


In this department, when the premium amounts to
Forty dollars and upwards, but one half is required
in cash dividends Of profits annually This depart
ment, unlike other Mutual Companies is secured by
the whole csptalof the Company, Il. e) sl5OOOO and
its accumuations.
By combining in one office the Joint Stock ad Mu.
tua System of Insurance, we offer advantages to in
surers which cannot be obtained in any other plan.
TO our Mutual insurers we give the security of our
Joint Stock Capital Of StjO,000 and its accumuatons
and lessen the expenses Of this department half
(Which is equivalent to l74Iper cent Whereby
bling the COmpanyto declare larger dividends.
The directors Of this Company are personally inter-
esed in its prosperity.
There are no Directors but what are Stockholders,
which fact will induce great degree Of caution in
taking but good lives, in the judicons invest
of its funds, rigid economy in incuung expenses,
and in the general management Of its business.
Is has been the policy of some companies to divide
the entire amount of their surplus utterly regardless of
the unalteral e nature of their obligations.
But it must be apparent to every one, that this is an
unsafe, if not dishonest, mode Of ransacting bust
ness.
The certainty of future lOsses to which every Life
Insurance Company is liable, renders It absolutely
necessary that large fund should form per-
manent Investment for the payment of such losses.
: 1t will be the policy of the Washington Life In
suranoe Company always to have Eesaly4 fund
securely invested prOportionate to its amon9t busi'
ness.
q This Is the only method by which adequate secur.
ity can ell times be furnished the insured and
place the Company in position in which no amount
of future losses can impair ita sOvency.
4 The charter of the Washington Life Insurance
Company provides that wife may insure the life of
her husband for her benefit and for her children, and
at his death receive the amount Of the policy, without
regard to the debts Of the husband. Creditors cannot
take it. This privilege cannot be obtained in
foreign company.
The advantages Of Life Insurance commends itself
10 the favorable consideration ofeverNeass oPefsons
in community Unlike Fire or yMdrias Insurance,
in which there is data for the calculation Of pre-.
miums, it is founded on the immutable laws Of ma
tuTe, fixed and invariabe, The rates Of ptenihms
are deduced from the bills Of mortality, and verified
by the experience of more than century.
There Is mode OF investment moTe sure, more
certain or easily attsinAble, profitable to
the insurer, than Life Insurance.. It is the only sps
cies of investment that has stood the test OF tme and
it vet remains to be recorded the fact Of the fret purely
Life II Company that has failed tomeet It's q
legations during the lapse OfneaTly century and
1t is the prop which the dying husband Leave
support the wife of his bosom. Il is the unseen
Of the provldent father reaching forth from the
and still nOuTishing his offspring and keeping g
the family grouPe. By il, the faithful son pro
aged parents, even when he has preceded
eternity through it the honest debtor sat
confding creditor, where fate seemed least
In moral and worldly sense, il is one gre
by which to rob death of has sting.
There is danger In delay. Life is unl .
know not what day may briug forth.
A man has no guaranty for health or existence be
yOnd the present moment If he has made no provi
sion for those who look up him for support it is hi
dlty to do so, and to do Immediately. If HI
loses his health, or be hurried to an untimey grave
, what is TO become Of his wife and children.
Tell it not that the loves his wife and children
who, having the means and opportunity, makes n
effort to protect them against The contingencies Q
I Fsmsdiless poverty.
California risks taken on the most favol
able terms.
January Is, 1852.