The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-12-17

LIER INSURANCE. COMPANY.
REEDER's BUILDING,
bird street, next deer 20 she city Bnnkl
betwcen Yine and VRnlnuis
CINCINNATI, OHIO.
Incorporated BY the State of ohio.-Chaner Perpstus
Capital s15O.OOO.
whish can BY their Chatter be increased TO Ha1 q
Mifiioa.
Has two distihct Departments, JoiAt stOsk and
Mutual.
OFFICERS AND DIRECTORS.
=. NJ. Gregory, D. P. Worcester,
James x. Glenn, james Dunlap
8. 7. Cary, J. P. kibFelb,
+. p COe, w. 8. Scarborough,
L. G. Bingham, Hon. O. Morris,
John ElstneF, J. P. ReaznoE,
]. D. Shoup, l.. ID. lngalsbe0,
g. Y, Roots, r. b. Hayes,
Hon. John Mclean, A. MOrel,
Chas. Goodman, Thomas HeatOn,
Geo. L. Weed, J. F. ForbusI
BOARD OF FINANCE
James X. Glenn,
OFFICERS.
r NJ. GREGORY, President.
HON. c. MORRIS, HTcs PresT
GEO. L. WEED, Treasurer.
8. Y. CARY, Ssety and GeR. ageAl.
8. R. EyASs, assisssa. Sss'tg ,t e s"d AetHary
Thomas Carroll, M. D. ca. Comogys, NJ. d.
]. F. Potter, NJ. d.
Office on Third street, next door east Of the City
Bank, Resdef'a Buildings, between Vine and Wal
This Company effect Insurance on lives, confer en-.
dOwmehts, grant annuities, and make al other con-
tracts aPpenaining to Life Insurance, 81 tAs most
fasOrakie torms.
All the advantages which can be Secured ty insur-
ancs in any office Ia this country, may be had IN this
Company. The capital is large and well secured, and
The character aud standing Of those who compose the
Board Is guaranty that The affairs Of the Company
win be honestly and judieiousiy managed, and the
interests Of the insured pIOtected.
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 fthe Sons
Of Temperance. A Division Of fifty members, by
paying The small annual premium Of sixtysix dollars
may insure Five Thousand Dollars 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 thirty.thres and OHs-third per
esAt. Those who insure this plan anticipate the
profits Of Mutual Company ito the amount Of 331s
per cent? in the reduction Of the premium. lf per-
son wishes to leave definite sum to his heirs, not
subject 10 the contingencies Of profits, this system Of
insurance is preferably. orif he wishes to insure for
period less than life.
HlutuaI Department.
In this department, when the premium amounts to
EOfy uOihIs ana upWdfuB, DuL one udI Is required
in cash dividends Of profits annually. This depart
ment, HRliks other Mutual Companies, is secured by
the whole capital Of the Company, U e) $3.50, 900 and
It's aeoumulatiOns.
BY combining in one Office the Joint Stock and Mu
tual System of Insurance, offer advantages TO in.
which cannot be obtained In any other plan.
To our Mutual insurers give the security Of our
Joint Stock Capital OF t5DOOO and its accnmulaiiOns
and lessen the expenses OF this department one half
(Which is equivalent TO l7A per cent pthereby 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 lact will induce great degree Of caution in
taking but good lives, in the judcionS invest
ment Of its funds rigid economy in ucnnng 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 unalteraLle nature Of their obligations.
But it must be apparent TO every one, that this is
unsafe, ifnOt dishonest, mode Oftransacting busi
ness.
The certainty Of future losse which every Life
Insurance Company is liable, renders il absolutely
necessary that large reserve fund should form per-
manent investment for the payment Of such losses.
II will be the policy Of tbe Washington Life In
suranes Company always to have reserve fund
securely invested PrOponiOnste TO its amount OF busi
ness
This is the only method by which adequate sseur.
ty at all times be furnished to the insured and
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, aud
At his death receive the amount Of the policy, without
regard to the debts of the husband. Creditors cannot
take il. This privilege cannot be obtained in
foreign company.
The advantages of Life Insurance cOmmends Itself
TO the favorable consideration Ofeyey class Ofpers0n,
in community. UHIikS Fire or Marine Insurpnces
ia which there is data fcf the calculation Of pre-.
miums, 1t is founded on the mmutable laws Of ma
ture, fixed and nvariable. The rates or premiums
are dedueed from the bills Of mortality, and verified
by the experience Of more than acehury.
There is no mode Of investment sure,
certain, or easily attainabe, or profitable TO
the insurer than Life Insurance. II is the only spe
cies Of investment that has stood the test Of tme and
il vet remains 10 be recorded the fact Of the first purely
Life Insurance Company that has failed meet It's OBJ
legations during the lapse Of nearly century and half
II Is the prop which the dying husband leaves 10
support the wife Of bis bosom. It is the unseen hand
Of the pTOvdent father reaching forth from the grave,
and still nourishiHg his offspring and keeping together
the family gFOupe. BY IL, the faithful protects bis
aged parents, even when he has preceded them into
eternity through it the honest debtor satisfies his
cOnfding CREDITOR where fate seemed least propitiou.
In moral und worldly sense, It is great weapon
by which 10 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. II he has made no provi.
sion for those who look up him for support, it is ais
dlty TO do so, and TO do II Immediately. Ii he
loses his health or be hurried to untimely grave,
what is to become Of bis wife and children.
Tell it not that the loves his wife and children,
who, having the means and opportunity, makes no
effort TO protect them against the contingencies Of
rsRedilssS poverty.
California risks taken on the most favor
able terms.
January Is 1859.