The organ of the temperance reform. (Cincinnati, O. [Ohio]) 1852-1853, 1852-10-15

J. +. Potter, 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-.
dowments grant annuities, and make all other con-
tracts appetaihng to Life Insurance, on tho most
faD0rGbi6 terms. a..
All the advantages which can be secured by insur-
in any office in this country, may be had in this
Company. The capital is large and well secured, and
the character and standing Of those who compose the
Board, is guaranty that the affairs Of the Company
will be honestly and judeiOpsly 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 Acating liquors, ut lower rates
than other persons Also insure Divisions the Sons
of Temperance. A Division Of ifty. members, by
paying the small annual premium Of sixty.sx dollars,
may insure Five Thousand Dollars the lives of
lhsiE mcmbeIs the Uf One Hundred Dollars being
paid by the Company on the death Of each member.
.- Joint stock Department.
Rates reduced thirty-thTee and ORc.tkird per
cent. Those who insure on this plan anticipate the
profits Of Mutual Company ito the amount Of 3315
per cent? in the reduction Of the premium. II per-
son wishes to leave definite sum 10 his heirs, not
subject to the contlngencss Of profits this system of
insurance is preferable Or if he wishes to insure for
! 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, uRlike other Mutual Companies, is secured by
the whole capital of the Company, IL e) SJO OOO and
its accumuatiOns.
By combining in one Office the Joint Stock and Mu
tual System of Insurance, offer advantages 10 in
suTers which cannot be obtained in any other plan.
To our Mutual insurers we give the security Of our
Joint Stock Capital Of S15O,000 and its aocumuatiOns
and lessen the expenses of this department hall
(Which is equivalent TO l7A per cent ethereby 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 incurng 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
| the unalteraLle nature of their obligations. ..
But must be apparent TO every one, that this is
HRsGfe, not dishonest, mode oftransaeting busi
| ness.
The certainty of future losses, to which every Li
Insurance Company is liable, renders II absolutely
necessary that large fund should form per
manent Investment for the payment of such losses.
| II will be the policy Of the Washington Life In
| suTanoe Company always TO have a reserve funI
securely invested proportionate to its amount Of busi
| ness.
This is the only method by which adequate secur
ity can at all times be furnished to the insured ant
place the Company in position in which no amoRH
| of future losses can impair ita sOlyency.
/
Company provides that wife may insure the life 0
her husband for her benefit, and for her childTen
at his deaf receive the amount of the policy, wthOu
regard to the debts Of thehusband Creditors canno
take It. This privilege cannot be Obtained in
| foreign company.
The advantages Of Life Insurance commends itsel
to the favorable consideration Ofevery class ofperson
in community. URlike Fire or Marine Insurance
in which there is data for the calculation Of pre-
cl miums, il is founded on the mmutabe laws Of ma
ture, fixed and invarable. The rates premium
are dedueed from the bills Of mortality, and veTie
| by the experience of more than century.
There is no mode Of Investment more sure, NOR
certain, easily atlainable, more profitable
the insurer, than Life Insurance. II is the only sps
cies Of investment that has stood the test OF time,
il yet remains to be recorded the fact of the first pue
Life Insurance Company that has failed TO meet its oil
legations during the lapse OfneaTy century and hal
4 Il is the prop which the dying husband leaves
support the wife of his BOSOM II is the unseen han
of the prOvldent father reaching forth from the grave
andsl nourishing his offspring and keeping togeh'
the family grOupe. by it, the faithful protects HI
| aged parents, even when he has preceded them int
eternity through it the honest debtor satisfies h
cOniding creditor where fate seemed least propitiOu
In moral and worldly sense, il is one great wespO
by which to rob death Of his sting.
| There is danger in delay. Life is uncertain "
, know not what day may brug forth.
A man has no guaranty for health or existence b'
, yond the present moment. If he has made prov
sion for those who look up TO him for support il is hi
+ dlty to do so, and to do il Immediately. II h
loses his health, OF be hurried to untimely grave
what is TO become Of his wife and children.
Tell it not that the man loves his wife and chdrer
who, having the means and opportunity, makes n
effort to protect them against the eORtingeRcies
2 remedfiess poverty.
4 California risks taken on the most favor
able terms.
January IS, 1859.