The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-01-16

VI NAAsNAANNAAAI OAAAOs
incorporated by the State Of ohiO.-Chansr PspStua
Capital eI5O,OOO.
Which can by their Charter be increased to Half 4
Million.
Has two distinct Departments, Joiaf Stock and
Mutual.
OFFICERS AND DIRECTORS.
Z. M Gregory, D. P. Worcester,
James X. Glenn, James Dunlap,
3. F. Cary, j. p KilbFeth,
E. P. Coe, w. s. Scarborough,
L. G. Bingham. Hon. G. Morris,
John Elstner, J. P. Rsaznor,
J. o. Shoup, L. d. Ingalsbee,
G. Y. Roots, R. B. Hayes,
Hon. John Mclean, A. Moreil,
Chas. Goodman, Thomas Heaton,
Geo. L. Weed, j. f. Forbus,
Henry Van Bergen, Geo Mccullough.
BOARD OF FINANCE.
George L. Weed, W. A. Goodman.
James X. Glenn,
OFFICERS.
E. M. GREGORY, Presidsnt,
HON. O. MORRIS, Vics Prssr.
GEO L. WEED, TrsaSursr.
s. F. CAKY, Sse'ty and Gen. agent.
G. FENToN, AssistaHt Sse'ty and y4etuary.
MEDICAL EXAMINERS.
Thomas Carroll, M. d. C. H. Comegys, M. D.
J. F. Foster, M. d.
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-
dowmentss grant annuites, and make all OtheT con
tracts appertainng to Life Insurance, on the most
favorable terms.
All the advantages which can be secured BY insur.
In any oce in this country, may be bad in this
Company. The capital is large and well secured and
the character and standing Of those who compose the
Board, is aguaranty that the affairs of the Company
will be honestly and judieiOusly managed, and the
interests Of the insured Protected n
In addition to the usual terms of InsuIance, thiu
Company have made arrangements TO insure those
who do not use intoxicating liquors. at lower rates
than other persons Also insure Divisions of Sons
Of Temperance. A Division Of fifty members, by
paying the small annual premium of sxty-sx dollars
may insure Five Thousand Dollars on the lives Of
their members, the Of One Hundred Dollars being
paid by the Company on the death Of each member.
JOint stock Department.
Rates reduced thirty,three and ORs-third psr
cent. Those who insure on this plan anticipate the
profits of Mutual Company Ito the amount of 33k
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 prOfts this system of
insurance is preferable. Or if he wishes to insure for
a 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, 10 secured by
the whole captalOf the Company, H. e) $780, 900 and
its accumulations.
By combining in one office the Joint Stock and Mu
tual System Of Insurance, offer advantages to in.
surers which cannot be obtained in any other place.
To our Mutual insurers give the security of our
Joint Stock Capital OF $780, 900 and its accumulations
and lessen the expenses of this department one half
(Which is equivalent to IAIper cent )sthereby 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 iudicions invest.
ment Of its funds, rigid economy in ncuing 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 Of
the unslteraJle nature Of their obligations
But it must be apparent to every one, that this an
unsafe, if not dishonest mode Of transactng bust.
ness.
The certainty of future losses, 10 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.
| 1t will be the policy Of the Washington Life In
| surance Company always to have a reserve fund
securely invested propohiOnate to it's amount of Lus
ness.
This is the only method by which adequate secur
ity at all times be furnished to the insured ant
place the Company in position in which no amount
of future losses can impair ita sOlVency.
The charter of the Washington Life Insurance
Company provides that a wife may insure the life OF
her husband for her benefit and for her children and
his death receive the amount Of the policy without
regard the debts of the husband. Creditors cannot
take it. This privilege cannot be obtained in a
foreign company.
The advantages of Life Insurance commends itself
to the favorable consideration oevery class ofpersons
/ in community. Unlike Fire or Marine Insurance
in which there is no data for the calculation of Dre
miums, 1t is founded on the mmutable laws of ma.
ture, fixed and invariable. 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 more sure, more
certain, easily attainable, ormore profitable 10
the insurer than Life Insurance. 1t is tie only sne
ces Of investment that has stood the test OF time and
it yet remains to be recorded the fact of the frat Life
Insurance Company that has failed to meet its oblga
tOns during the lapse OF neaHya century and half
1t is the prop which the dying husband leaves to
support the wife of his bosom. 1t is the unseen hand
of the provIden father reaching forth from the grave
and still nonrlshing his offspring and keeping together
the family grOupe. By it, the faithful son protects his
aged parents, even when he has preceded them into
eternity; through it the honest debtor satisfies his
conhdng creditor, where fate seemed least proDitous
In moral and worldly sense, it is one great weapon
by which to rob death of his stinF.
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 proyi.
sion for those who look up to him for support il Is his
d1ty to do so, and to do it Immediately If he
loses his health, or be hurried to an untimey grave
what is to become of his wife and children
Tell 1t not that the man loves his wife and children
who, having the means and opportunity, makes no
effort to protect them against the eORtingsaeies of
remsdtLesS poverty.
January Is, 1852.