The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-04-30

Thomas CarolI, M. d. o. H. Comegys, M. D.
]. F. Potter, NJ. D.
Office on Third street, next door east Of the City
Bank, Reeders Buildings, between Vine and Wal
nut streets.
This Company effect Insurance on lives, confer en-.
dowments, grant annuities and make all other con-
tracts spPsTtainng to Life Insurance, on tho B0st
fGU0fsbEe terms.
All 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 seouFedi and
the character and standing Of those who compose the
Board is guaranty that the affairs OF the Company
will be honestly and iudiciousy 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 Also insure Divisions of the Sons
Of Temperance. A Division of fifty members, by
paying the small annual premium Of sxty.six dollars,
may insure Five Thousand Dollars on the lives oi
their members, the sum Of One Hundred Dollars being
paid by the Company on the death of each member.
Joint stock Department.
Rates reduced tAirty.thrss and Ons.third per
cent. Those who insure on this plan anticipate the
profits Of Q Mutual Company (to the amount of 1875
per cent? in the reduction of the premium If per-
son wishes to leave definite to his heirs, not
subject To the contingencies Of profits, this system Of
Insurance is preferable. Or If he wishes to insure for
period less than life.
Mutunl Department.
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 capitalOf the Company, Il. e. $3.50 900 and
its accumulations.
By combining in one office the Joint Stock and Mu
tua System Of Insurance, offer advantages to in
sureFs which cannot be obtained In any other plan.
To our Mutual insurers we give the security Of our
Joint Stock Capital Of 900 and its accumulatiOns
and lessen the expenses Of this department one half
(Which is equivalent to 7ktper cent )ethereby 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 stockholdeTs,
which fact will induce great degree Of caution in
taking but good lives, in the judicOns invest
ment Of its funds, rigid economy in nGuing 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
the unalterable nature of their obligations.
But it must be apparent to every one, that this is al
unsafe, ifuot dishonest, mode of transacting bust
ness.
The eertaiRtg Of future losses to 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.
It will be the policy of the Washington Life In
SuFanoe Company always TO have a reserve funC
securely invested proportiOnate to its amount of bus
ness.
This is the only method by which adequate sscur
ity at all times be furnished to the insured ant
n
of future losses can impair ita Solvency.
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 the debts Of the husband. Creditors
take it. This privilege cannot be obtained in
foreign company.
The advantages Of Life Insurance commendS itsel
to the favorable consideration Ofevery class Ofpeson
in community. Unlike Fire or Marine Insurance
in which there is data for the calculation of pre-
miums, il is founded on the mmutable laws of ma
ture, fixed and invariable. The rates or premium
deduced from the bills Of mortality, and verifel
by the experience of more than a century.
There is no mode of investment more sure, NOR
certain, or more easily attanabe, or more profitable
the insurer than Life Insurance. 1t is the only spe
cies of investment that has stood the test Of time,
It vet remains TO be recorded the fact of the first pure
Life Insurance Company that has failed Omee its OBJ
legations during the lapse Ofneary century and hall
1t is the prop which the dying husband leaves T.
support the wife OF his bosom. II is the unseen han
Of the pTovdent father reaching forth from the grave
and stl nourishing his offspring and keeping togethe
the family groupe. By it, the faithful son protects hi
aged parents, even when he has preceded them int
eternity through it the honest debtor satisfies hi
cOnding CREDITOR where fate seemed least propitiouS
In moral and worldly sense, it is one great WeapO
by which to rob death of his sting.
There is danger in delay. Life is uncertain w
know not what day may briug forth.
A man has no guaranty for health or existence be
yOnQ lne pf6bBntulOlueuL II nc mas ludue no pfONl
sion for those who look up to him for support it is hi
duty to do so, and to do il Immediately. If h
loses his health, or be hurried to an untimely grave
what is 10 become of his wife and children.
Tell it not that the man loves his wife and children
who, having the means and opportunity, makes n
effort to protect them against the eOntingsaeiss O.
FemsdiIess poverty.
California risks taken on the most favor
able terms.
January Is, 1889.