The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-03-12
m utunI Department.

In this department., when the premium amounts 10
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 capitalof the Company H. e. $780, 900 and
its aecumulatiOns.
BY combining in one office the Joint Stock ad Mu.
tual System Of Insurance, offer advantages to in
which cannot be obtained in any other plan.
To our Mutual insurers we give the security of
Joint Stock Capital Of Sf5OOO0 and its accumulationS
and lessen the expenses of this department one half
(Which is equivalent to l74per cent )tthereby 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 a great degree Of caution in
taking but good lives, in the judic1ns invest
ment Of its funds rigid economy in ncurring 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 unalteTable nature Of their obligations.
But it must be apparent to every that this Is
unsafe if not dishonest, mode Of tranSacting busi
ness.
The certainty of future losses 10 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.
1t will be the policy Of the Washington Life In.
surance Company always to have a reserve fund
securely invested PrOPortiOnate to its amount of Gus
ness.
This is the only method BY which adequate secur.
ity can at all times be furnished the insured and
of future losses can impair ta sOlvency.
The charter of the Washington Life Insurance
Company provides that wife may insure the life Of
her husband for her benefit and for her children, and
at his death receive the amount Ofthe policy, without
regard to the debts Of thehusband. Creditors cannot
takel it. This privilege cannot be obtained in
foreign company.
The advantages Of Life Insurance commends itself
to the favorable consideration ofevery class opersonS
in community. URiks Fire or Marine Insurance,
in which there is data for the calculation Of pre-.
miums, it is founded on the immutable laws of ma
ture, fixed and invariable. The rates or premiums
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 atanabe, profitable to
the insurer, than Life Insurance. is the only sPe
cies of investment that has stood the test OF me and
il yet remains to be recorded the fact Of the rst purely
Life Insurance Company that has failed to meet its OBJ
legations during the lapse ofneary century and half
II il the prop which the dying husband leaves to
support the wife of bis BOSOM 1t is the unseen hand
of the provdent father reaching forth from the grave,
and still nourishing 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 Satisfes his
con6dng creditor, where fate seemed least Propitious
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 no guaranty for health or existence be.
yond the present moment. II he has made no Provi'
sion for those who look up to him for support it is his
d1ty 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 1t not that the loves his wife and children,
who, having the means and opportunity, makes no
effort to protect them against The contingencies Of
remsdilesS poverty.
California risks taken on the most favor
able terms.
January Is, 1852.