The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-08-13
MEDICAL EXAMINERS.

Thomas Carroll, "a. D. Q. II. Comegys, NJ y.
=. +. Potter, M. ID.
Office on Third street, nsxt door east Of the CITY
Bank, Reeder's Buildings, between Vine and Wal
nut streets.
This Company effect Insurance on liyes confer en-
dowments, grant annuities, and make all other con
tracts appeTtaining to Life Insurance, on TIE most
favorable 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, guaranty that the affairs Of the Company
will be honestly and iudciously 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 Ofthe Sons
of Temperance. A Division Of fifty members, by
paying the small annual premium of sixty.six dollars,
NAV insure Five Thousand Dollars on the lives Oi
their members, the of One Hundred Dollars being
paid by the Company on the death Of each member.
.BOint stock Department.
Rates reduced thirty.thres and ORe-third per
cent. Those who insure on this plan anticipate the
p,oiits of Mutual Company ito the amount Of 33b
per cent? in the reduction OF the premium. If per-
son wishes to leave definite sum to his heirs, not
subject the contingencies Of profits, this system OF
insurance is preferable Or if he wishes TO 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 capital of the Company, Il. e) sl5O,OOO and
its aocumulations.
By combining in one office the Joint Stock and Mu
tual 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 $780, 900 and its accumulatons
and lessen the expenses Of this department half
(Which is equivalent to M per 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 great degree of caution in
taking none but good lives, in the judcions invest
ment of its funds, rigid economy in incurng expenses
and in the general management Of its business.
is has been the policy of some companies TO divide
the entire amOuntOf their surplus, utterly regardless Of
the unalteTaule nature Of their obligations.
But il must be apparent to every one that this is
unsafe, if not dishonest, mode Of transactng busi
ness.
The certainty of future losses, to which every Life
Insurance Company is liable, renders It absolutely
that large reserve fund should form per-
manent investment for the payment Of such losses.
II will be the policy OF the Washington Life In
Sursnce Company always to have reserve fund
securely invested propoiOnate to its amount OF busi
ness.
This is the only method by which adequate secur-
ity can 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 chldTen 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 a
foreign company.
The advantages of Life Insurance commends itself
to the favorable consideration ofevey class OfpeTsons
in community. Unlike Fire or Marine insurance,
in which there is no data for the calculation of pre-
miums, 1t is founded on the immutable laws Of ma
ture fixed and invarable. The rates or premiums
are 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 or more easily attainable profitable to
the insurer, than Life Insurance. 1t is the only spe
ce of investment that has stood the test OF time, and
it yet remains to be recorded the fact of the first purely
Life Insurance Company that has failed to meet its OBJ
legations during the lapse OfneaTly century and half
1t is the prop which the dying husband leaves to
support the wife of his bosom. II is the unseen hand
of the provIdent father reaching forth from the grave,
and still nourishng his offspring and keeping together
the family gTOupe By It, the faithful son protects his
aged parents, even when he has preceded them into
eternity through it the honest debtor satisfies his
cOndng CREDITOR where fate seemed least pTopltl0us
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 briug forth.
A man has no guaranty for health or existence be-
yOnd the present moment. IL ne has mace no pfoVl-
sion for those who look up him for support 1t is his
daty to do so, and to do it Immediately. II he
loses biz health, or be hurried to an untimely grave,
what is to become of his wife and children.
Tell it not that the man loves his vile and chidren'
who, having the means and opportunity, makes no
effort to protect them against the contingencies Of
poverty.
California risks taken on the most favor
able terms.
January Is, 1852.