The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-03-26

SOLICITOR AND APPOINTING AsEHT.
MEDICAL EXAMINERS.
Thomas Carroll, M. D.. @. h. COmsgys, NJ. D.
J. F. Potter, M. D.
Once on Third street, next door east Of the City
Bank, Resder's BuildingSS between Vine and Wal.
nut streets.
This Company effect Insurance. on lives, confer en-.
dowments, grant annuitiss, and make all other con.
tracts appeFtainng TO Life Insurance, on ths mOst
fdUOra6Le terms.
sncs 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 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 use intoxicating iquOrs, 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 5Xty.Sx dollars,
may insure Five Thousand DolaTt on 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 tAirty.tArss and Oas.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 definite sum to his heirs, not
subject TO the contingencies Of profits, this system Of
insurance is preferable. Or if he wishes 70 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 oapitsOf the Company, Il. s) 2l5O 600 and
its accumulatiOns.
By combining in Ons Office the Joint Stock ad Mu.
tual System Of Insurance, offer advantages 70 in.
5urers which cannot be obtained in any other plan.
To our Mutual insurers give the security Of our
Joint Stock Capital Of 900 and its aceumulations
and lessen the expenses Of this department half
(Which is equivalent to l7xlpsT cent. Whereby ems.
| bling the Company to declare larger dividends.
The directors Of this Company are personally inter
ested in its prosperity.
There are no Director but what are Stockholders,
which fact will induce great degree Of caution in
taking none but good lives, in the iudcions invest
ment Of its funds rigid economy in ineuHing expenses,
and in the general management Of It's business.
Is has been the policy Of some companies TO divide
the entire amount Of their surplus utterly regardless o.
the unaltsraule nature Of their obligation.
But must be apparent TO every one, that this 10 ~
EHsafSy If not dshsRsst, mode Of tEansacting busi
|, ness.
The certainly of future lesssS TO which every Lf
Insurance Company is liable, renders II absolutel
necessary that large reserve fund should form per
msaeht investment for the payment Of such losses.
1t will be the policy Of the Washington Life In
] surance Company always to have : reserve funI
securely invested pTopOOnate TO its amount Of buSi
ness.
This is the only method by which adequate sscuE
itY at all times be tuInighod 70 the insured ant
place the Company in a position in which no amOTR
Of future losses can impair ita solvency.
The charter Of the Warrington Life Insurance
Company provides that wife may insure the life o
her husband for her benefit and for her children, an(
bis dea th receive the amount of the policy, withou
regard 70 the debts Of the husband. Creditors eanno
take II. This privilege cannot be obtained in
foreign company.
The advantages of Life Insurance. commsnds itssI
the favorable consideration ofsveTy class ofpsuon
in community. URike Fire OF Marine Insurance
in which there is data for the calculation Of pre-.
miums It is founded on the immutabs laws Of na
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 ts
the insurer, than Life Insurance. 1t S the only Spe.
cies 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 nearly century and hall
II is the prop which the dying husband leaves u
support the wife Of his bosom. Il is the unseen hand
of the provident father reaching forth from the grave
and still nouFShing his offspring and keeping togehe
the family gfOupe By IT, the faithful protects hi
aged parents, even when he has preceded them int
eternity through it the honest detsOf satisfies hi
cOndng CREDITOR where tate sesaed least prOPItiOus
In moral and worldly sense, it is one great wsapOT
. by which to rob death Of ais sting.
There iS danger in delay. Life is uncertain &; vi
, 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 to him for support, It Is hi
duty to do 60, and 10 do il immsdiatsly. If b
loses his health, be hurried 70 untimely grave
what is to become Of his wife and children.
Tell It not that the loves his wife and children
f who, having the means and opportunity, makes nj
effort protect them against The e0RtiNgeHeiss q
remsdiEsss poverty.
s5Elifornia risks taken on the most favor
able terms.
January Is, 1852.