Litchfield enquirer., 1866-08-09

NINE OBJECTIONS TO LIVE INSURANCE ANSWERED. Otjeehon-I cannot afford to insure my life | Answsr-Forty- cents a week will insure $1 900 on the life of a man aged 30. Is the ul- timate fate of your wife and family a matter of such perfect indifference to you as not to call | for sacrifice amounting to even less than half | dollar week? And if, with your present income, you are unable to make such provis- ion for them, how will they bear the. double bereavement when left without you and with out your income? Oy.-I can make better investment for the benefit of my wife and family.
 1 Ans.-There is no way in which small suM of money can be 90 proftably and securely in vested, for such purpose. as in policy on your life because the payment of single pre- mium seeRrss. and at once, a very much larger sum thAHthe investment ut the same amount could possibly do in the ordinary operations of trade. Besides securing sum in this way does not. in the least, interfere with your endeavols | to accumulate in any other way you may de sire
 OT.-I have sufficient already, and do not need need it.
 Ans-Thousands of others have thought sim ilary, and yet. dying, have left their families in want. Experience has plOved that the sta bility of fortune is as uncertain as the dura tion of life A Policy of insurance will secure
 
 either, in your particular instance.
 Oy.-I do not need it, having neither wife. family, or dependent relations.
 Ans.-You may need it for yourself The Mutual Life Insurance Company of New York will issue you policy, payable to yourself al the age of 40, 45 50, 55, 50. or 65, or to you' heirs, in case you die before attaining that age The sum thus secured, invested n an annuity will afford you a comfortable support in yOul old age Such policy combines the advanta ges of safe and profitable investment for yOul own benefit, payable at time when it vii probably be most acceptable, with certain provision for your family in case of your previ ous death.
 Olj.-It must be poor investment for me as the company makes money by insuring my life
 Ans-By insuring in the Mutual Life Insurance Company of New York, you become Member of the Company, and share in the profits. Thl company is established on the mutual plan, thu entire profits, deducting necessary expense alone, being divided among the assured in th most equitable manner.
 Olj.-I shall lose all have paid, if unabl to continue my payments. Ans-You will net lose all. The Mutual l.lf Insurance Company of New York will grant { new Policy, which, without further payment will assure to your Representatives, at you death, a reversionary sum, equivalent to thu present value of the Policy on surrender o they will purchase your policy and pay you th' value for it, in cash, on surrender.
 OJ-I am at present single man, but in tend to insure when marry.
 Ans.-Ihe essential condition for insurance is good health, and of the continuance of thi you have no guarantee therefore insure whil' . you enjoy it. It will also cost less now thai when you are older.
 OT.-I am too olG it will cost too much.
 Ans.-If the duty be one that you feel .yo' ought to perform, the only way to meetlth case is to insure for a less amount than yol would if you were younger. The rate of pre- mium is in exact proportion to the increase o risk, and admonishes you to no longer della! the performance of duty so important t those dependent on you.
 OG.-The Policy may not be pail-ofise sometimes fail.
 Ans-In the case of the Mutual Life Insu1 ance Company of New York, you have ever possible guarantee for the security of your in vestments. A large accumulated fund, secure ly invested. an undeniably safe and larg amount of assets to meet all risks; with care full and judcious management in all depart ments-if these do not constitute security where will you find it? ' Vi