The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-08-20

antttt0hs
Ha, two distinct Departments, Joint stseh and
.MHtRai,
OFFICERS AND DIRECTORS.
f. NJ Gregory, D. P. Worcester,
James K Glenn, James Dunlap,
s. r. Cary, J. r. Knbreth,
Il. p, COe w. 8. Scarborough
l.. G. Bingham, Hon. G. Morris,
John Elstner, ]. P. ReaznOf,
j. o. Shopp, L. d. lngalsbee,
G. Y Roots, r. b. Hayes,
Hon John Mclean, A. MoneN,
Chas. Goodman, Thomas HeatOn,
Geo. i. Weed, j. F. FoTbus,
Henry Van Bergen. Geo. Mccullough.
BOARD OF FINANCE.
George L. Weed, w. A. Goodman.
James X. Glenn,
OFFICERS.
r. NJ GREGORY, President.
HON. g. MORRIS, Vice Prest
GEO. L. WEED, Treasurer.
s. f. CARY, See'ty and Gen. agent.
@. BENToN, Assistant Sec'ty and AetHaTy.
J. PAYsON VAN EPPs,
SoLIoIToR AND APPOINTING AGENT.
MEDICAL EXAMINERS.
Thomas Carroll, M. D. G. H. ComegyS, M. D.
j. +. Potter, M. ID.
Office on Third street, next door east of the CITY
Bank, Reeder's Buildings, between Vine and wal
nut streets.
This Company effect Insurance on lives confer en-
dowments grant annuities, and make all other con
tracts appeTtaning to Life Insurance, on the most
favorable terms.
All the advantages which can be secured by insur-
ance in any office in this country, may be had IN thls
Company The capital is large and well secured and
the character and standing of those who compose the
Board is a guaranty that the affairs of the Company
will be honestly and judieiOusy 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 ofthe Sons
of Temperance. A Division Of hfty members, by
paying the small annual premium OF sixty,sx COLLARS
may insure Five Thousand Dollars on the lives OF
their members, the sum Of One Hundred Dollars beng
paid by the Company the death Of each member.
,BOint Stock Department,
Rates reduced thirty-three and ORe.thiTd per
cent Those who insure this plan anticipate the
profits Of a Mutual Company TO tile amount Of 55S
per cent? in the reduction Of the premium. II per-
son wishes to leave a definite sum to his heirs, not
subject to the contingencies Of potts this system OF
insurance is preferable Or if he wishes TO insure for
i 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, unlike other Mutual Companies, Is secured by
the whole capital of the Company, q. e-) Sl5OOOO and
its accumulatiOns.
By combining in one office the Joint Stock and Mu
tual System of Insurance, we oier advantages toIn.
surers which cannot be obtained in any other plan.
To our Mutual insurers give the security OF our
Joint Stock Capital OF S5OOOO and its aocumulatlons
and lessen the expenses of this department one half
(Which is equivalent to l7AIper cent )ttheIeby 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 none but good lives in the judcIons invest
ment of its funds rigid economy in incunng expenses,
and in the general management of its business.
is has been the policy of some companies to divide
the entire Of their surplus utterly regardless OF
tba la q their obi cations.
But must be apparent TO every one, that this Is an
unsafe, if not dis hORcst mode Of tTansactns busi-
ness.
The certainty of future losses, to which every Life
Insurance Company is liable, renders It absolutely
necessary that large 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 prOportionate to its amount o busl'
ness.
This is the only method by which adequate secur.
ity can at all times be furnished to the insured and
place the Company in position in which no amoHht
of future losses can impair ita solvency.
The charter of the Washington Life Insurance
Company provides that wife may insure the lile Of
her husband for her benefit and for her children, and
at his deathIeceve the amount OF the policy, without
regard to the debts of hehusband. Creditors cannot
take it. This privilege cannot be obtained IN a
foreign company. 81
The advantages of Life Insurance commends itself
to the favorable consideration ofevey class Ofpersons
in community. Unlike Fire or Marine Insurance.,
in which there is no data for the calculation Of pre-
miums it is founded on the immutable laws of ma
tufe, fixed and invaTiable. The rates or premiums
are deduced lfOm 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 attanabe, ormore profitable TO
the insurer, than Life Insurance. II Is the only spe
ees of investment that has stood the test OF time, and
it vet remains TO recorded the fact Of the first purely
Life Insurance Company that has failed to meet its OBJ
legations during the lapse Of nearly century and half
It is the prop which the dying husband leaves to
supuort the wife of his bosom Ii is the hand
of the prodent father reaching forth from the grave,
and still nounshhg his offspring and keeping together
the family gOupe. By II, the faithful son protects his
aged parents, even when he has preceded them into
eternity through it the honest debtor satisfies his
confdng credtOr where fate seemed least propitlous.
In moral and worldly sense, it is one 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 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 bis
duty to do so, and to do it Immediately. If he
loses his health or be hurried to untimey grave,
what is to become of his wife and children.
Tell it not that the man loves his wife and children,
who, having the and opportunity, makes no
effort to protect them against The contingencies Of
remsdilsss poverty.
California risks taken on the most favor
able terms.
January Is, 1852.