The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-11-05
Mutual DePnrtment.

In this department., when the promium amounts 10
Forty dollars and upwards, but one half iE required
in cash dividends Of profits annually. This depart
msnt, Hnliks other Mutual COmpaniss IL secured by
the whole csPitalof the Company, q. e) Sl5O OOOand
its accnmulRtionG.
By combating in one office the Joint Stock and Mu
tua System Of Insurance, We offer advantages to In.
suTen which cannot be Otsaned in any other pan,
To our Mutual insurers give the security Of our
Joint Stock Capital Of 900 and its accumuations
and lessen the expenses Of this department one half
(which is equivalent to l7AiPsr centgtbersby sna.
bling the COmpanyt0 declare larger dividends.
The directors Of this Company peFSOnally inter
ssted 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 iudcionS invest
msut Of its nndH, gid economy in ncuBg 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 HnalteTable nature Of their obligations.
But it must be apparent to every one, that this Is an
uAsafs, If not dish0Hsst, mode Of OftVansacting bus.
ness.
Tho certainty Of future losses TO which every Life
Insurance Company is liable, renders it absolutely
necessary that lAigs reserve fund should form per.
manent investment for the payment Of such losses.
1t will be the policy Of the Warrington Life In
suTance Company always 70 have reserve fund
securely invested POPOFtiOnSts to s amount Of LuSl.
| ness.
This iS the only method BY which adsuuate Tscur.
ty can at ell times be furnished to the Insured aud
| place thS company In position IN which dHouuk
Of future losses can impair ita sOlveney. u
The charter Of the Washington Life Insurance
Company pFOyides that wife may insure the life Of
her husband for her benefit, and 0F her children and
at his death receive the amount Of the policy, without
regard to the debts Of the husband Creditors cannot
take II. This privilege cannot be obtained in
| foreign company.
The advantages Of Life Insurance eommsnds itself
to the favorable consideration Ofevey class ofpeson
In community. URLtks Fire or Marine InsuvnceS
in which there S no data for the calculation of nra
mumS, it is founded on the immutable laws Of ma
tuEe, fixed and inVaTiable. 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
cer;ain easily attainable or more profitable TO
the insurer, than Life Insurance. 1t G the only spel
ces Of investment that has stood the test OF time and
II yet remains to be recorded the fact Of the first purely
Life Insurance Company that has failed meet Its OBJ.
legations during the lapse Ofneary century and half
II iS the prop which the dying husband leaves 10
support the wife Of his bosom, Il Is the unseen hand
Of the pFOvident father reaching forth from the grave
and still noarishing his offspring and keeping together
the family grOupe. BY it, The faithful son protects his
aged parents, even when he has ptscedsa them into
eternity through il the honest debtor iatisfss hiu
cOnhding creditor where iats seemed least prOpitOus
In moral and worldly sense, II is one Rreat weapOU
BY which to rob death Of ale stiHR.
There IL danger In delay. Life is uncertain We
/ know not what day may bFiug forth.
A man has no guaranty for health or existence be-
yond the present moment. II he has made no pfOvi
sion for those who leOk up to him for support It s All
i duty 70 do 50, and to do It Immediately. If h,
loses his health, be hurried to an untimely efaVe
what is 70 become Of his wife and children.
Tell not that the man lOveshi wife and children
. who, having the means and opportunity, makes n,
Z effort 70 protect them againSt The e0AtinRsneiss d
4 rsmsdiIsss poverty.
j. California risks taken on the most favor
able terms.
January Is, 1859.