The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-05-21

MEDICAL EXAMINERS.
Themas Csrfol, M. d. &c. n, Comegys, NJ d.
T. r. Potter, NJ d.
OIhco on Third street, next door east Of the City
Bauk. Reedefs Bpildinss, between Vine and Wal
This Company effect Insurance on lives, confer en-.
dowments grant annuities, and make all other con-
tracts appeFtainng to Life Insurance, on the most
favorable terms.
Ali the advantages which can be secured by insur
ance in any office in this country may be had IN this
Company The capital Is large and well secured and
the character and standing OF those VINO compose te
Board, is guaranty that the affairs Of the Company
will be honestly and judiciousy managed, and the
interests Of the insured protected.
In addition TO the usual terms Of Insurance, this
Company have made arrangements to insure those
who do not Intoxicating liquors, at lower rates
than other persons. Also insure Divisions OF the sons
of Temperance. A Division Of fifty members, by
paying the small annual premium Of sixtysx dollars,
may insure Five Thousand Dollars on the lives OF
their members the sum of One Hundred Dollars being
paid by the Company on the death Of each member.
Joint stock Department.
| Rates reduced thirtythree and ORe-third per
cent. Those who insure on this plan anticipate the
| profits of Mutual Company TO the amount of 33b
peT cent in the reduction OF the premium II per-
son wishes to leave definite sum to his heirs, not
subject to the contingencies Of profits, this system Of
insurance is preferable. Or if he wishes TO insure for
period less than life.
Mutual Department.
In this department. when the premium amounts 70
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 capalof the Company, Il. e) $3.50 900 and
its aocumulatOns.
tual System of Insurance, 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 oil St5O,OOO and its accumuatons
and lessen the expenses Of this department one hall
(Which is equivalent to II per cent )'thereby ena.
bling the Company to declare larger dividends.
The directors of this Company are personally inter
ested in its prosperity.
There are no Directors but what are Stockholders
! which fact will induce great degree of caution in
taking none but good lives, in the iudci9ns invest
ment of its innds rigid economy in incurng 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
the unalteTal le nature Of their obligations.
But it must be apparent to every one that this is al
unsafe, If not dishonest, mode Of transacng busi
ness.
The certainty of future losses to which every Lifi
I, Insurance Company is liable, renders it absOlute
necessary tina! large fund should form per
. manent investment for the payment Of such losses.
5 1t will be the policy OF the Washington Life In
h surance Company always TO have a reserve fun
securely invested proportionate to its amount OF Lusi
ness.
s This is the only method by which adequate secui
- ity at all times be furnished to the insured an
II place the Company in position in which no amOuR
Of future losses can impair ita sOlyency.
= The charter of the Washington Life Insuranc
Company provides that wife may insure the life G
her husband for her benefit, and for her children,
at his death receive the amount OF the policy withOu
" regard to the debts Of the husband. Creditors cannO
Il take it. This privilege cannot be obtained in
ID foreign company.
!, The advantages of Life Insurance commends itse
to the favorable consideration Ofevery class ofperson
ar in community. Unlike Fire or Marine Insurance
sr in which there is data for the calculation Of pre-
a. miums It is founded on the iumutabe laws Of nj
ture, fixed and invaHable. The rates or premium
are deduced from the bills of mortality, and veIe
~ by the experience Of more than century.
10 There is no mode of Investment sure, MOI
certain, easily attanable, more profitable
v the insurer, than Life Insurance. 1t is the only sp'
= Cies Of investment that has stood the test O time,
il yet remains to be recorded the fact Of the first pure
Life Insurance Company that has failed to meet its oil
e legations during the lapse OF nearly century and hal
ri 1t is the prop which the dying husband leaves I
% support the wife of his bosom. 1t is the unseen han
e OF the prOydent father reaching forth from the grave
n and still nounshng his offspring and keeping tOgetht
l. the family grOupe. By 1t, the faithful protects hi
aged parents, even when he has preceded them int
II eternity through it the honest debtor satisfies hi
q cODfdng creditor where fate seemed least prOptioui
In moral and worldly sense, it is great weapo
by which TO rob death Of his sting.
If There is danger in delay. Life is uncertain W
know not what day may briug forth.
e man has no guaranty for health or existence bG
: yond the present moment If he has made no prov
sion for those who look up to him for support it is hi
q duy to do so, and TO do il Immediately. II
loses his health, be hurried to untimely grave
n 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
v effort to protect them against the contingencies
TemeditesS poverty.
IF California risks taken on the most favor
d able terms.
g January IS, 1889.