Bellows Falls times. [volume] (Bellows Falls, Vt.) 1856-1965, 1867-04-12

THE DISTINCTIVE FEATURE
Of the Stock system of Life Insurance as opposed to the
Mutual is low rate Of premium which is IMMEDIATE,
SECURED and CERTAIN in lieu of dividend which is
DISTANT, CON rINGENT, and UNCERTAIN /; this So
called dividend being merely return of portion of tn
excessive and unnecessary premium charged in the first
instance.
ILLUSTRATION:
Suppose that individual aged thirty desires to devote
$500 year for the purpose of efecng
his life this amount will immediately him in the
Universal the sum OF Sll,T5l payable his decease
This sum paid to company charging the ordinary
rates, would secure him the sum of SS,474.
The difference between these S3 21 exactly the
same as an immediate bonus addition to the policy
be paid by the former Office to the holder of the policy
of the early death of the Observation-Disclosures
diately secured, in favor Of the UNIVERSAL, S3,277
To illustrate the Importance of the policy holder of
premiums in more general terms may be stated that
reduction Of twenty five per cent In the rate Of premium
the same amount Of money will secure policy thirty
three and one-thnd per cent greater and likewise that
reduction OF twenty-five cent in the rate of premium
Is precisely equivalent to annual dviend of thirty
three and onethnd cent. payable in adranee or to
dividend OF toryre per cent payable at the end of v
BY the Stock plan the full cash eff ct of the premium
'ed'afey secureo to the insured, the Company taking
all the risk BY the Mutual plan the full value in insur
Of the premium paid is secured to the polio,
| holder, who takes portion of the risk himself
THE PREMIUMS
charged by the Universal are as low as the actual ex
perience Of insured life in this country will Jus y AM
the ordinary Life and Ten year Non 70 reitnre police
nearly lower than those charged by the ma
jority of Mutual Companies.
Board Of Directors:
! JonS wADswoRTH. President
| ALEX. W. BRADFORD Counsellor Law.
HENRY NJ. ALEXANDER, Randolph, Alexander & Greene
SAMUEL D. BABcocK, Babcock, Bros. & Co.
WIN g. LAMBERT. A. & A. Lawrence & Co.
HENRY A. SMYTHE, Collector Port, New York.
ii. b. HYDE, Vice Pres Equitable Life Assurance Society
MARTIN BATES, Martin Bates, Jr & Co.
JAMES VI. HALsTED, President American Fire ms Co.
George 8. Coz, President American Exchange Bank
| HENRY DAT, LORD, Day Il Lord, Counsellors-at-Ia
| RoBEsr L. KENNEDY, 90 Fifth ssreet
| s. Romans, Actuary Mutual Life Insurance Co.
g. t. HoPE, President Continental Fire Insurance Co.
7. NJ. MARKoE NJ d. East Seventeenth Street.
| SAMUEL w ToRREY, q Exchange Place.
| JOHN l. MErcALF, NJ. ID. 81 East Fourteenth Street
| III. A. HURIBUT, late President Second National Bank
| CORNELIUS r. AGNEw, NJ D. 39i Fifth Avenue.
WILLIAM WALLER, rs East Twenty FIRST Street
g. A. PETERS, NJ. d. 20 West Twenty-ni nth Street
| WIN. T. BLoDGETT, VIM. Tilden Nephew.
j Q. GooDRIDGE, Vice President.
| HENRY J. FURBEE, Second Vice President.
| OFFICERS.
JOHN WADSWORfH, Presiien
| J. c. GooDRlDGE,
HENRY ]. fURBER, wee PRESIDENT
| JOHN H. BEWLEY Secretar,
ALExANDER ". BRADFORD, Chairman Ex Con
SHEPARD HoMANS, Copsultipp Actuar,
| EDWARD W. LAMBERT, NJ. D., Medical Examine
Table Of Rates and other information promptly furuishe
| on application to
| c. E. NEwCoMB, General Agent,
/ Bellows Falls, Vt