The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-05-28

MEDICAL EXAMINERS.
Thomas Carroll, NJ. d. c. Il. Comogys, NJ. D.
j. +. Potter, NJ. ID.
Office Third street, next door east of the City
Bank, Reeders Buildings, between Vine and Wal
nut streets.
This Company effect Insurance on lives, confer
dowments, grant annutes and make all other con
tracts appeuaining to Life Insurance, on the most
favorable terms.
All The advantages which can be secured by insur.
ance in any office in this county, may be had in this
Company The capital 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 iudeiousy managed, and the
interests of the insured pIOtected
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 sixty-six dollars
may insure Five Thousand Dollars 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 thirty.three end ORe-third per
cent. Those who insure on this plan anticipate the
profits Of a Mutual Company ito the amount of 33S
per cent? in the reduction of the premium. If per-
son wishes to 9Rye definite sum TO his heirs, not
subject to the contingencies Of profits, this system of
insurance is preferable Or il he wishes to insure for
period less than life.
RHuIunI Department.
In this department, when the premium amounts to
Forty dollars and upwards, but half is required
in cash dividends of profits annually. This depart
meni unlike other Mutual Companies, is secured by
the whole capiialo the Company Il. e) $500 and
Z its accumuations.
{ BY combining in one Office the Joint Stock and Mu
tual System of Insurance, oileT advantages to in
surers which cannot he obtained in any other plan.
TO our Mutual insurers give the security of our
Joint Stock Capital ol Sl5lOO0 and its accnmuatons
and lessen the expenses Of this department one half
(Which is equivalent to l7A per cent Whereby 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 udicions invest
ment Of its funds rigid economy in incurrng expenses
and in the general management of its business.
Is has been the policy of some companies to divide
le the entire amount Of their surplus, utterly regardless
ty the unalterai le nature of their obligations.
But it must be apparent TO every one that this is an
y unsafe, if aot dishonest mode Of ransacng busi
We ness.
# The certainty of future losses 10 which every Life
an Insurance Company is liable, renders It absolutely
necessary tina! large reserve fund should form per
n' manent investment for the payment Of such losses.
We It will be the policy of the Washington Life In
iis surance Company always 10 have a reserve fun
10 securely invested proporonate to its amOunt of busi
ness
he This is the only method by which adequate secur
ty can at all times be furnished to the insured an
nd place the Company in position in which amOuH
49, Of future losses can impair lta solvency.
"" The charter of the Washington Life Insuranc
Company provides that wife may insure the life
n her husband for her benefit, and for her children, an
his death receive the amount of the policy, whou
" regard the debts Of the husband Creditors
take it. This privilege cannot be obtained in
fiji. foreign company.
On. The advantages of Life Insurance commeuds itse
md to the favorable consideration ofeyery class opersor
in community. Unlike Fire Marine Insurnnc,
in which there is no data for the calculation of pr
q mums, it is founded the mmutabIe laws of nj
his ture fixed and nvaTiable. The rates or premium
en- are deduced from the bills of mortality and verife
nm by the experience Of more than a century.
no. There is mode of investment sure, mo-
certain, or more easily attanube or profitable
the insurer, than Life Insurance. II is the only sp
ces of investment that has stood the test OF time
il yet remains to be recorded the fact of the first pure
Life Insurance Company that has failed to meet its o
legations during the lapse Ofnearly century and hal
cen 1t is the prop which the dying husband leaves
support the wife Of his bosom. 1t is the unseen han
md of the provdent father reaching forth from the grav
nth and still nOurshng his Offspring and keeping tOgeth
the family goupe. by it, the faithful son protects
yn aged parents, when he has preceded them in
eternity through it the honest debtor satisfies h
Hs cOnfdng creditor, where fate seemed least prOpou
Ia In a moral and worldly sense, it is great weapC
ysI by which to rob death of his sting.
There is danger in delay. Life is uncertain
know not what day may briug forth.
. A man has no guaranty for health or existence b.
RY yond the present moment. If he has made prov
Of sion for those who look up TO him for support it is
ck d hy TO do so, and to do it Immediately. If
his loses his heath be hurried to unlimely grav
red what is to become of his wife and children.
for Tellt not that the loves his wife and chidre
ed who, having the means and opportunity, makes
rec effort to protect them against the contingencies
nm, rCmedii6sS pOBerty
the California risks taken on the most favo
'SSss able terms.
January IS, 1852.