The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-01-14

BOARD OF EINANCE'
George l.. Weed, w. A. Goodman.
James X Glenn,
OFFICERS. r..
e NJ. GREGORY, President.
HON. c. MORRIS, Vies Presf
GEO. l.. WEED, Treasurer.
S. f. CARY, See'ty and GeH Agent
s. r. Evans, Assistant See'tg and .aetHary
MEDICAL EXAMINERS.
Thomas Carroll, NJ. d. Q, H. Comegys, M. d.
.. j. +. Potter, NJ. ID.
Office on Third street, neXt door east Of the CITY
Bank, Reeder's Buildings, between Vine and Wal
nut streets,
This CompanyeiFect Insurance on lives, confer en-.
dowments, grant annnites, and make all other con-
tracts appertaining to Life Insurance, oa tAe most
favorable terms.
fAl the advantages which can be secured by insur-
in any Office in this country, may be had IN this
Company. The capital is large and well secured and
Bgard Is guaranty that the affairs of the Company
win be honestly and ndiciOusy 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 intoxicating liquors, at lower rates
than other persons lso insure Divisions ofthe Sons
of Temperance. A Division Of fifty members, by
paying the small annual premium of sxty-sx dollars,
may insure Five Thousand Dollars 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 thirty-three and 0He-third per
cent. Those who insure on this plan anticipate the
Dofits of Mutual Company ito the amount of 33h
per cent? in the reduction Of the premium. II per-
son wishes to leave definite sum to his heirs, not
subject to the contingencies Of profits, this system of
insurance is preferable. Or if he wishes TO insure for
a 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, 600 and
its aeeumulaions.
By combining in one Office the Joint Stock and Mu
tual System Of Insurance, offer advantages to in.
surers which cannot be obtained in any other plan.
To our Mutual insurers we give the security of our
Joint Stock Capital OF S5uO00 and its accumulatiOns
and lessen the expenses OF this department one half
(Which is equivalent to l7A per cent )fthereby 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 but good lives, in the judicons invest.
ment Of its funds, rigid economy in ncuHing expenses,
and in the general management of its business.
Is has been the policy of some companies to divide
the entire amount Of their supus utterly regardless Of
the unaltera lie nature of their obligations.
But must be apparent TO every one that this is
unsafe if not dis honest, mode of ftansaoting busl
ness.
The certainty of future losse which every Life
Insurance Company is liable, renders it absolutely
necessary that large reserve fund should form per-
manent investment for the payment of such losses.
1t will he the policy Of the Washington Life In
Company always to have a reserve fund
securely invested proportiOnate to its amount of Gus
ngs
ty can at all times be furnished to the insured and
place the Company in position in which amount
of future losses can impair ta sOVency.
The charter of the Washington Life Insurance
Company provides that wife may insure the life O
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 cannct
take it. This privilege cannot be obtained in a
foreign company.
The advantages Of Life Insurance commends ilselI
to the favorable consideration Ofevery class Ofpersou
in community Unlike Fire or Marine lnsurRnces
u which there is no data for the calculation Of pre-.
miums, it is founded on the mmutabe laws of ma
ture, fixed and invariable. The rates or premiums
deduced 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 or more easily attanHble or more profitable tc
the insurer, than Life Insurance. II is the only spe
ces Of investment that has stood the test OF time and
it yet remains to he recorded the fact of the first purely
Life Insurance Company that has failed to its OBJ
legations during the lapse Of nearly century and half
1t is the prop which the dying husband leaves tC
support the wife of his bosom. II is the hand
of the pOvdent father reaching forth from the grave
and still nOurIshing his offspring and keeping tOgethe
the family gTOnpe By IL, the faithful protects hi
aged parents, even when he has preceded them int
eternity through it the honest debtor satisfies hi
cOndng creditor, where fate seemed least prOpitions
In moral and worldly sense, it is great weapOr
by which to rob death Of his sting.
There is danger in delay. Lite is uncertain /; w
know not what day may briug forth.
A man has no guaranty for health or existence be
yond the present moment If he has made pFovi
sion for those who look up to him for support, it is nj
dlty to do so, and to do it Immediately. If h,
loses his 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 wife and children
who, having the means and opportunity, makes NJ
effort to protect them against the contingencies O.
TemeditesS poverty.
California risks taken on the most favor
able terms.
January IS 1852.