The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-03-05

Mutual.
OFFICERS AND DIRECTORS.
E. M. Gregory, d. P. Worcester,
James X. Glenn, James Dunlap,
s. F. Cary, J. P. Kilbreth,
E. P. COe, w. s. Scarborough,
l.. G. Bingham, Hon. O. Morris,
John Elstner, J. P. ReaznOF,
J. o. Shoup, L. d. Ingalsbee,
G. Y. Roots, R. B. Hayes,
Hon. John Mclean, A. Mousl
Chas Goodman, Thomas Heaton,
Geo. l.. Weed, J. +. FOTbus,
Henry Van Bergen, Geo. Mccullough.
BOARD OF FINANCE.
George L. Weed, w. A. Goodman.
James X. Glenn,
OFFICERS.
EN-. GREGORY, Presidsat.
HON. G. MORRIS, Vfcs Prsst.
GEO. L. WEED, Treasurer.
S. F. CARY, See'tg and Gen. agent.
G. BENTON, .AssistaRt See'ty aHd AetHary.
J. PAYsoN VAN EPPs,
solicitor AND APPOINTING AaENT.
/ MEDICAL EXAMINERS.
Thomas Carroll, NJ. d. G. H. Comegys, MD.
J. F. Potter, NJ. d.
Office on Third street, next door east of the City
Bank, Reedefs Buildings, between Vine and Wal
nut streets.
This Company effect Insurance on lives, confer en-
dOwments, grant annuities, and make all other con-
tracts appertainng to Life Insurance, on the most
.
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
will be honestly and judoiOuSly managed, and the
interests Of the insured protected.
In addition to the usual terms Of Insurance, this
Company have made arrangements 10 insure those
who do not use 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 sixysix dollars,
may insure Five Thousand Dollars on the lives of
their members, the of One Hundred Dollars being
paid by the Company on the death of each member.
Joint Stock Department.
Rates reduced tAirty-tAree and Ons.tAird per
cent. Those who insure on this plan anticipate the
profits Of Mutual Company Ito the amount of 331
per cent? in the reduction of the premium. If per-
son wishes to leave definite sum to his heirs, not
subject to the contingencies Of prOfts this system of
insurance is preferable. Or if he wishes insure for
period less than life.
Mutual Department.
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 captalOf the Company Il. e. sl5O,OOO and
its accumuatiOns.
By combining in one office the Joint Stock ad Mu.
tual System of Insurance, offer advantages to in.
surers which cannot be obtained in any other plan.
10 our MuLua Insurers we give Lnb security OF our
Joint Stock Capital Of S150,0O0 and its accumuatOns
and lessen the expenses of this department half
(Which is equivalent to l7hipeT cent Whereby 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 great degree Of caution in
taking but good lives, in the iudcions invest.
ment of its funds rigid economy in neuning 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 it must be apparent to every one, that this is an
unsafe, if not dis honest, mode Of transactng busi
ness.
The certainty Of future LOSSES to which every Life
Insurance Company is lahla, renders it absolutely
necessary that large reserve fund should form per-
manent Investment for the payment of such losses.
1t will be the policy of the Washington Life In.
surance Company always to have fund
securely invested propOronate to its amOunt Of busi.
This is the only method by which adequate seour-
ity 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 for her children, and
at 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
foreign company.
The advantages of Life Insurance commends itself
to the favorable consideration Ofevey class Ofpersons
in community. Unlike Fire or Marine Insurance,
in which there is data for the calculation of pre-
miums, it is founded on the imm1table laws of ma
ture, fixed and invariabe. The rates or premiums
are deduoed from 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 attainable, more profitable to
the insurer than Life Insurance. 1t is the only spe.
ces of investment that has stood the test OF tme and
yet remains to be recorded the fact Of the first purely
Life Insurance Company that has failed 70 meet its OBJ
legations during the lapse ofneaTy century and half
1t is the prop which the dying husband leaves to
support the wife of his BOSOM Il is the unseen hand
Of the provden father reaching forth from the grave
and sti nOurshing his offspring and keeping together
the family groupe By it, the faithful protects his
aged parents, even when he has preceded them into
eternity through it the honest debtor satisfies his
confdng CREDITOR where fate seemed least proptious.
In moral and worldly sense, it is great weapon
by which to rob death Of his sting.
There is danger in delay. Life is uncertain we
know not what a day may briug forth.
man has no guaranty for health existence be.
yond the present moment. If he has made no provi.
sion for those who look up to him for support it is his
dlty to DO so, and to do it Immediately. If he
loses his health, or be hurried to untmey 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 no
effort to protect them against the contingencies Of
r6mediless pOUerty.
California risks taken on the most favor
able terms.
January Is, 1852.