The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-11-19
Rlntual Department.

In thilhepaTtmsnt, when the premium amounts 70
Forty dollars and upwards, bnt half il required
msni, HRliks other Mutual UOmpanies Il secured bY
the whole eapulof tie Company Il. e. sl5n 600 AMI
lis aoehmulGtl0ns.
By combining in one office the Joint Stock and Mu
tna System Of insurance. offer advantages 10 In,
surer which cannot be obtained in any other plan.
To our Mutual insurers give the security OF our
Joint 6iOek Capital oi and its accumulations
and lessen the expenses Of this department one hall
(Which Is equivalent 70 l7hlPer ent).thefeby sns.
bling the COmpanytO declare larger dividends.
The directors Of this Company are personally inter
ested Ia Its prosperity.
There are no Directors but what are stoekhOlaerI,
which fact will induce great degree Of caution in
taking hOne but good lives, in the iudeiJHs invest.
meni Of its fnnds rigid economy in neuHing expenses,
and in the general management of its business.
Is has been the policy Of companies TO divide
the entire tOf their surplus, utterly regardless OF
the unalteTa6le nature OF their obligations.
But il must be apparent every one that his Is an
HHsgeI II not dishonest, mode OF uansaetng buSl'
ness.
The esrtGistv 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.
II will be the policy Of the Washington Life In
sHTanee Company RlwayA 10 have reserve fund
securely invested PFQpolonate to its Of bus.
ness.
This is the only method by which adequate sscur.
ity at all times be furnished TO the insured and
a
Of future losses can impair ita solveney.
The charter Of the Washington Life Insurance
Company provides that wife may insure the life Of
her husband ior her benefit, and for her children, and
at his death receive the amount of the policy, without
regaId TO the debts Of thehusband Creditors cannot
take IL. This privilege cannot be obtained in
foreign company.
The advantages Of Life Insurance comments ilsslr
to the favorable consideration Ofevey class OfpenOn,
in community. URIiks Fire or Marine IhsapRess
in which there Is no data for the calculation Of pre-
mums, Il Is founded on the immntHble laws Of hS.
tuTe, fixed and invariable. The rates or premiums
are deduced from the bills Of mortality, and verified
by the experience Of more than century.
There L no mode Of Investment more sure, more
CERTAIN OF easily aianAble, OF profitable 10
the insurer, than Life Insurance. 1t sths only sps
eieB Of Investment that has stood he test OF time and
il vet remains to be recorded the fact Of the first purely
Life Insurance Company that has failed to It's OBJ
legations during the lapse Ofneafy century sHd half
II Is the prop which the dying husband leaves TO
support the wife Of his bosom. Il Il the unseen hand
Of the proYIdent father reaching forth from the grave,
and still nOuTshing his offspring and keeping together
the family grOupe. By il, the faithful son protects bis
aged parents, even when he has preceded them into
eternity through It the honest debtor satisfies his
conldng creditor where fate seemed least pF0ptiOnl
Ia moral and worldly sense, It il one geat weapon
by which TO rob death Of his sting.
There Il danger In delay. Life is uncertain we
know not what day may bduE forth.
A man has no guaranty foI health or existence be-
yond the present moment. II he has made no Proyi.
Sion for those who look mp to him for support, t q die
duty 10 do so, and TO do It Immediately. II he
lOssS his health, be hurried TO an untimely graYs'
what is TO become Of his wife and children.
Tell il not that the man loves his wife and children,
who, having the means and opportunity makes no
effort 10 protect them against the eOntiagsaetes J
Fsmediisss poUertg. ~
California risks taken on the most favor
able terms.
January Is, 1852.