The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-02-20

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LIFE IISURAIGE COM PATTY
REEDER'S BUILDING,
Third Street, next door to the City Bank
between Vine and Walnut,
GIN NCINNATI, OHIO.
incorporated by the State of ohiO-Charter Perpetual
Capital S15O,OOO.
Which can by their Chaner be increased to Half
Million.
Has two distinct Departments, Joint Stock and
Mutual.
OFFICERS AND DIRECTORS
f. N. Gregory, D. P. Worcester,
James X Glenn, James DunIap.
8. +. Cary, ]. P. Kilbreih
e. P. COe, w. s. Scarborough,
L. G. Bingham, Hon. c. Morris,
John Elstner, J, P. Reaznor,
j. y. BhOup, l.. d. Ingalsbee,
g. Y Roots, R. B. Hayes,
Hon. John Mclean, A. Mone6,
Chas. Goodman, Thomas Heaton,
Geo. l.. Weed, j. L. Forbus,
Henry Van Bergen, Geo. Mccullough.
BOARD OF FINANCE.
George L. Weed, w. A. Goodman.
James K Glenn,
OFFICERS.
f. NJ GREGORY, President
| HON G. MORRIS, Yics PrssT.
GEO. l.. WEED, Treasurer
| s. F. CARY, Sse'ty and Gen. Aren't
g. BENTON, HssistaRt See'ty and Aetuary.
MEDICAL EXAMINERS.
| Thomas Carroll, NJ. d. G. II. COmegys, MD.
J. f. Potter, M. 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-.
J dOWments, aDnuities, and make all 9TH
tracts apPertaning to Life Insurance, on the most
GaUOraJte terms.
All The advantages which be secured by insur.
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 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 use intoxicating liquors, at lower rates
than other persons. so insure Divisions of the Sons
of Temperance. Division of fifty members, by
paying the small annual premium of sixty-sx dollars,
may insure Five Thousand Dollars on the lives of
ther 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 One.third per
cent. Those who insure this plan anticipate the
profits Of Mutual Company ito the amount of 33H
per cent? in the reduction Of the premium If per-
son wishes to leave a definite sum to his heirs not
subject to the contingencies Of profits this system of
insurance is preferable. Or if be wishes insure for
period less than life.
Mutual 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
ment, unlike other Mutual Companies, is secured by
the whole capitalOf the Company, H. e. $780, 600 and
its accumulatiOns.
By combining in one office the Joint Stock ad Mu.
tua System of Insurance, offer advantages to in.
which cannot be obtained in any other plan.
To our Mutual insurers we give the security OF our
Joint Stock Capital OF S15UOU0 and its accumulations
and lessen the expenses of this department half
(Which is equivalent to l7AIper cent )sthereby
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 a great degree of caution in
taking none but good lives, in the iudCi1ns invest
ment of its funds, rigid economy in ncuning 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 unalteTal lie nature of their obligations
But it mast be apparent to every one that this is
unsafe, if not dishonest, mode of transacng bust
| ness.
The certainty of future losses, to which every Life
Insurance Company is liable, renders it absolutely
necessary that large fund should form a per-
manent investment for the payment of such losses.
1t will be the policy of the Washington Life In
surance Company always to have a reserve fund
securely invested PropOrOnate to its amount Of Lusi.
ness.
This is the only method by which adequate secur.
ity can at all times be furnished to the insured and
place the Company in position in which amount
of future losses can impair ita sO3vency.
The charter of the Washington Life Insurance
Compauv 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 the husband. 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 OfpesOns
in community. Unlike Fire or Marine Insurance,
in which there is no data for the calculation of pre-
miums, it is founded the mmutable laws of ma
ture, fixed and invaTiable. 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,
certain, easily attainabe, more profitable to
the insurer, than Life Insurance. 1t is the only spe
ces of investment that has stood the test OF time and
yet remains be recorded the fact of the first purely
Life Insurance Company that has failed to meet its OBJ
legations during the lapse ofneary century and half
1t is the prop which the dying husband leaves to
support the wife of his bosom. It is the unseen hand
of the provldent father reaching forth from the grave,
and still nOurshng 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 pTopitiOus
In moral and worldly sense, it is one great weapon
by which to rob death Of his sting.
There is danger in delay. Life is uncertain we
know not what day may brug forth
A man has 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 is his
duty to do so, and to do it Immediately. II he
loses his health, be hurried to uutimely grave,
what is to become of his wife and children.
Tell it that the loves his wife and children,
who, having the means and opportunity, makes no
effort to protect them against the contingencies Of
remediless poverty.
California risks taken on the most favor
able terms