The Elk advocate. [volume] (Ridgway, Elk Co., Pa.) 186?-1868, 1866-08-09
Life Insurance..

will in case Of his death, place his wife
and children above want. Yet how
small proportion Of men, after the buff
fetings ot lifetime. are able to leave
comfortable provision for them. The
future is uncertain lie who to-day, is
carving full sail upon smooth seas in a
prosperous voyage toward the haven
'ot wealth, may year hence have sunk
beneath the storms, wreck The
millionaire of to-day may be the bankrupt
of to morrow Life is uncertain. The
brightest prospects may be left unreal.
lied BY an early death. A long life of
varied success and misfortune, may be
cut short at one of the lowest points of
it's ups and downs, when one can be.
,aucath but little else to his children
than his debts.
But there is mode by which man
can secure certain competence to his
wife and family after his death, wheth-
or h death come soon or late. Tie
eau insure his life, in THE GIRARD LIFE
INSURANCE, ANNUITY AND TRUST COM
PANY. Lite Insurance is contract, by
which for small annual payment cal
led premium. by the individual, the
company agrees to pay much larger
sum at his death, to his wife, heirs, or
any other person for whose benefit the
insurance has been made.
By annual Payments.
Thus a man thirty years of age by the
YEARLY pavment of only $23,60 can Sc
cure to his family at lis death the sum
of $1,000, or for S4,72 a year
he may insure 5000; or for sll8
a year he may insure $4,000. And
these amounts are secured to be paid at
his death, whether that occur one year
after or twenty years after If man
should instead of dcvoting the amount
Of the annual premiums to the purpose
Of insurance, hoard them up, it would
require man aged 30 to live to above
the allotted three score and ten before
the accumulations would amount to as
much as he would have insured. But
the Insurance Company guarantees the
payment at his death, and the whole
amount would be payable, if ho shoan
die within the first year. Therefore
there can be no investment to man Of
moderate means at once so safe and so
remunerative. Added to this, the high
est and noblest motives to human action
demand that you should insure-thst
you should deny yourself some luxuries
if need be, to raise the annual premium
which is to secure to those nearest and
dearest to you a comfortable maintcn-
ance, when your supporting arm has
been struck powerIess to tie grave.
Not Liable for your Dc5ts.
BY the law Of Pennsylvania an Insu
surance effective for the benefit of the
wife is exempt from all liability for her
husbands debts, and in case she dies
before him. the amount of the insu
rance can be made payable to her chill
dren.
The Amonnt Of Msur nee is Increased
By P'oftS.
There is another feature connected
with life insurance as conducted by
the GIRARD. The persons insured par
ticipate in the profits. A dividend OF
the profits is declared every five years
The share Of each person is called
bonus and is added to his policy, 50 thaa
. while you insure a certain sum your
family really gets much more. This is
best Illustrated by few examples taken
from the registry of the Company.
Policy No. 53.-A Physician Of
Philadelphia. insured for $500 At
his death the Company paid his wife the
amount, with Sl9l so, bonus, making
s691 so.
Policy No So The person was ori,
ginally insured for $500, to which was
added Sl075 in bonuses, making S3575
paid to his heirs.
Policy No. 780.-A manufacturer III
an adjoining State, insured for S25OO
and at his death the additions or bonuses
were $500, making s2lO0, paid to his
heirs
Policy No. 385 & G3O. 4 merchant
of Philadelphia insured in two policies
for $4,000 f; upon his death the bonus
amounted to S38l2,50; the Company
paid his family the amount sl3,Sl2,50.
Policy No. 2732-A lady in Ken.
lucky insured for $4,000 she died with
in the present year. The Company
paid her heirs the amount with the
bonuses or profits $3.50, making $3.50.
These few instances show that th'
Jouses or profits make material add
ton to the policy.
C5mmutation Of Policies.
There is another consideration which
is not to be over looked, A policy fo
life becomes valuable to the holder II
, proportion to the number Of annual pre-
MUM he has paid ; and such policy
the Company will purchase at an equis
able rate, if he desires to cancel it. On
the nrininal nnlicu NAV he cancnllnd