The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-09-17


BOARD OF FINANCE.
George L. Weed, w. A. Goodman.
James K Glenn,
OFFICERS.
II. NJ, GREGORY, President.
HON. c. MORRIS, Vies Prssr
GEO. l.. WEED, Treasurer.
s. F. CARY, See'ty and Gen. agent.
@. BENTON, Assistant Sec'tY and yaetuary.
J. PAYsoN VAN EPPS,
SOLICITOR AND APPOINTING AGRRT.
MEDICAL EXAMINERS.
Thomas Carroll, M. ID. O. II. ComegyS, M. D.
J. +. Potter, NJ. ID.
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 RppeTtaining to Life Insurance, the 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, is guaranty that the affairs of the Company
will be honestly and judciOusly 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. AsOinsure Divisions Of the Sons
of TempeTancs. A Division of fifty members, by
paying the small annual premium Of sixty.siH dollars
may insure Five Thousand Dollars on the lives Of
paid by the Company on the death Of each member
JOint stock Department.
Rates reduced thirty-three and OHe-third per
cent. Those who insure this plan anticipate the
profits Of Mutual Company ito the amount Of 333s
per cent? in the reduction Of the premium. II per-
son wishes to leave definite aum to his heirs not
subject to the contingencies Of profits this system Of
is preferable. Or IL he wishes to 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, RRlike other Mutual Companies, is secured by
the whole captalof the Company, Il. e) else, 900 and
its acCumulatons.
BY combining in one Office the Joint Stock and Mu
tua 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 and its accumulatiOns
and lessen the expenses of this department hall
(Which is equivalent to l74 per cent ).thereby
bling the COmpanytO declare larger dividends.
The directors OF this Company are personally inter
ested in it's prosperity.
There are no Directors but what are Stockholders,
which fact viii indnce great degree Of caution in
taking but good lives, in the udicionS invest
ment Of its funds rigid economy in incuTIng 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 unalteTable nature of their obligations.
But must he apparent to every one that this is
unsafe, ifnot dishonest, mode Of ransacting busi
ness.
The certainty Of future losses 10 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.
Il will be the policy Of the Washington Life In
surance Company always to have reserve fund
securely invested prOPOriOnate to its amount Of Lus
ness.
This Is the only method by which adequate sscur
ity at all times be furnished 10 the insured and
place the Company in a position in which no GmOHHt
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
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 q
foreign company.
The advantages Of Life Insurance commends itselI
to the favorable consideration Ofevey class OfpersOn,
in community. Unlike Fire or Marine InsurBnces
in which there is data for the calculation Of pre-.
niums, it is founded on the immutable laws of ma.
lure, fixed and nYaTiable. The rates or premiums
are dedUced from the bills Of mortality, and verified
by the experience Of more than a century.
There is no mode of investment sure, more
certain, more easily atanabe, more profitable to
the insurer than Life Insurance. 1t is the only spe.
ces of investment that has stood the OF tme and
it yet remains to be recorded the fact of the first purely
Life Insurance Company that has faed to meet its OBJ.
legations during the lapse nearly century and half
II is the prop which the dying husband leaves to
support the wife of his bosom. II is the unseen hand
of the provden father reaching forth from the grave,
and still nOurshing his offspring and keeping together
the family RrOupe. By il, 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 prOpitiouS.
In moral and worldly sense, it is 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. If he has made no provi.
sion for those who look up him for support it is his
duty to do so, and to do it Immediately. If be
loses his health or be hurried to untimely grave,
what is to become Of his wife and children.
Tell it not that the loves his wife aud children
who, having the means and opportunity, makes nc
effort to protect them against the eORtiHgsHeisS %
remsdiiess poverty.
California risks taken on the most favor.
able terms.
January IS, 1852.