The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-04-23


liomas Carroll, M. d. g. Il. Comegys, Nj d.
J. i. Potter, N. D..
Office Third street, next door east Of the City
Bank, Reeder's Buildings, between Vine and Wal
nut streets,
This Company effect Insurance on lives, confer en-.
dowments, grant annuities, and make all other con.
tracts appertaining TO Life Insurance, the most
faUOrabi6 terms.
All 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 who compose the
Board is guaranty that the affairs Of the Company
win be honestly and iudicously 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 sixtysix 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.
,TOint Stock Department.
Rates reduced tAirty-three and oHe-third per
cent. Those who insure on this plan anticipate the
profits Of o Mutual Company TO the amount of 33H
per cent? in the reduction OF the premium. If per-
wishes TO leave definite sum to his heirs, not
subject to the contingencies Of profits, this system Of
is preferable Or if he wishes to insure for
period less than life.
Mutual Department.
III bllla Nlen lne premium amounts 10
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. $780, 600 and
its accumulatons.
BY combining in one office the Joint Stock and Mn
tual System Of Insurance, offer advantages to in.
surers which cannot be obtained in any other plan
70 our Mutual insurers give the security OF our
Joint Stock Capital OF St5G,O00 and its accumuations
and lessen the expenses Of this department half
(Which is equivalent to 174Eper cent )sthereby ena.
bling the Companyto 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 a great degree of caution in
taking none but good lives, in the iudcions invest
ment OF It's funds, rigid economy in ncuuing expenses,
and IN the general management Of its business
is mas been the policy OF some companies TO divide
the entire amount Of their surplus, utterly regardless Of
the unalteraJle nature Of their obligations
But must be apparent to every one, that this is an
unsafe, ifaot dishonest, mode Of transactng bust
ness.
The certainty of future losses to which every Life
Insurance Company is liable, renders it absolutely
necessary that large reserve fund should form per
manent investment for the payment of such losses.
It will be the policy Of the Washington Life In
surance Company always to have a reserve fund
securely invested proporonate to its amount of busi
ness.
This is the only method by which adequate sacur.
ty at all times be furnished to the insured and
place the Company in position in which no amount
( Of future losses can impair ita sOlyency.
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
al his death receive the amount of the policy without
regard to the debts Of thehusband. Creditors cannot
take it. This privilege cannot be obtained in a
/ foreign company
The advantages of Life Insurance commends itself
to the favorable consideration Ofevery class ofpersons
in community. URlike Fire or Marine Insurance,
in which there Is data for the calculation of pre-.
miums, 1t is founded the immutable laws of ma
ture, liked and invariable. The rates or premiums
deduced from the bills of mortality, and verified
/ by the experience Of more than century.
! There IS no mode Of investment more sure, more
certain, more easily attainable, profitable to
the insurer, than Life Insurance. 1t is the only spe.
Cies Of investment that has stood the test OF time and
tyel remains TO be recorded the fact of the first purely
Life Insurance Company that has failed to meet It's OBJ
legations during the lapse ofneaTy century and half
IL is the prop which the dying husband leaves to
support the wife Of his bosom. 1t is the unseen hand
Of the provdent father reaching forth from the grave,
and still nourshing his offspring and keeping together
the family groupe. By it, the faithful son protects his
aged parents, even when he has preceded them into
eternity; through it the honest debtor satisfies his
c0nfdng CREDITOR where fate seemed least propitious
In moral and worldly sense, it is great weapon
by which TO rob death OF his stiHF.
There is danger in delay. Life is uncertain we
! know not what day may hrug 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 to him for support il Is his
/ dlty TO do so, and to do it immediately If he
loses his health, be hurried to an untimely grave
what is to become of his wife and children
Tell not that the man loves his wife and children,
who, having the means and opportunity makes nc
effort to protect them against the eoRtingeaeie0 Of
r6mcdless poverty.
California risks taken on the most favor.
able terms.
January Is, 1852