The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-05-07


J, PAYsON VAN EPPs,
SOLICITOR AND APPOINTING AGENT.
MEDICAL EXAMINERS.
Thomas Carroll, M. d. @. H.. Comegys, NJ. d.
j. Z. Potter, NJ. ID.
Office on 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 annuites, and make all other con
tracts appertainng to Life Insurance, on the NEST
faUOrabis terms.
All the advantages which can be secured BY nsur.
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
will be honestly and judioously 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 the Sons
of Temperance A Division Of fifty members, BY
paying the small annual premium Of siNty.six 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 tkirty.thrse aud ons.tAird per
cent. Those who insure on this plan anticipate the
profits Of .Rptaal Company ito the amount Of 331S
per cent? in the reduction of the premium If per.
son wishes to leave definite sum to bis heirs, not
subject to the contingencies Of profits, this system Of
insurance is preferable. Or ii he wishes TO insure for
period less than life.
Mutual Departments.
In this department, when the premium amounts to
Forty dollars and upwards, but one half is required
in cash dividends of profits annually This depau-
ment unlike other Mutual Companies, il secuted by
the whole capital Of the Company, d 6 sl5O,0O and
It's aceumUlations.
BY combining in one office the Joint Stock and Mu
tual System Of Insurance, we offer advantages 10 in.
uRt ha 0nfn in nflaV Vvl,..
To our Mutual insurers give the security OF our
Joint stock Capital OF $t5OOU0 and its Accommodations
and lessen the expenses Of this department half
(Which is equivalent TO TAtper cent. ghereby enu.
bling the Companyto to declare larger dividends.
The directors OF this Company are personally inter
ested in its prosperity
There ore no Directors but what are Stockholders,
which fact will induce great degree Of caution in
taking none but good lives, in the iudicions invest.
ment OF ITS lnnds, rigid economy IN inCuTng 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 unalterable nature Of their obligations.
But must bo apparent to- every one, that this is an
HHsGfc II not atshOHeSt, mode Of twnsscting bust
ness.
The certainty Of future losses 70 which every Life
Insurance Company Is liable, renders II absolutely
necussnry that large fund should form poT.
fnanont investment lor the payment Of such Losses.
II will be the policy Of the Warrington Life In.
suranee Company always to have reserve fund
securely invested pfopofonate to its amount Of Lnsi-
ness.
This Ia the only method by which adequate secur.
y can at all times be furnished to the insured and
place the Company in position in which no amount
OF future losses can impair ita Solvency.
/ The charter of the Washington Life Insurance
Company provides that wife may insure the life Of
her husband for her benefit and Tor her Children and
at his death receive the amount of the policy, without
regard 10 the debtE Of the hehusbaud Creditors cannot
take it. This privilege cannot be obtained in a
foreign company.
Tie advantages of Life Insurance commsnds itself
10 the favorable consideration Ofevery class persons
10 community. UHtiks Fire or Marine Insurance,
in which there Is no data for the calculation of pre-.
mums, it is founded on the immutable laws Of ma
ture, fixed and nvariabe. The rates or premium,
are deduced lfou the bills Of mortality, and verified
by the experience Of more than a century.
There IS no mode OF investment more sure, more
certain, easily sttainable, profitable L
the insurer, than Life Insurance. 1t is the only spe
Ces of investment that has stood the test OF time ant
yet remains to be recorded, the fact Of the first puTe,
Life Insurance Company that has failed to meet its OBJ
legations during the lapse oineary century and half
I II is the prop which the dying husband leaves Il
support the wife of his BOSOM 1t is the unseen hant
Of the pTOvIdent father reaching forth from the grave
and st nOunshing his offspring and keeping togetbe
the family grOupe. By IL the faithful protects hi
aged parents, even Wheh he has preceded them int
eternity through it the honest debtor satisfies hi
Condng creditor, where fate seemed least pTOpitiOus
In a moral and worldly sense, it is one great weapo
by which to rob death Of his sting.
There is danger in delay, Life is uncertain W
know not what day may bring forth
A man has no guaranty for health or existence be
yOnd the present moment, II be has made no provi
sion for those who look up him for support it hi
! dlty to do so, and to do it Immediately. If h
loses his health, or be hurried to an untmey grave
! what is TO become OF his wife and children.
Tellt not that the loves his wife and children
. who, having the means and opportunity, makes n
effort to protect them against The coRtiageaeis9 o
remedilCsS poverty.
r California risks taken on the most favor
able terms.
Iannaru Ii. 1870