Bellows Falls times. [volume] (Bellows Falls, Vt.) 1856-1965, 1867-04-05

I'M i.NSllfG TEA1 OhE
of the Stock system Life opposed to the
Mutual is low rate Of premium which is IMMEDIATE,
SECURED and CERTAIN; in lieu of dividend which IS
DISTANT, CONTINGENT, and UNCERTAIN; this So
called dividend being merely of portion Of tn E
excessive and unnecessary premium charged in the hrst
instance
ILLUSTRATION:
Suppose that individual aged thirty desires to devote
500 year for the purpose of eectng insurance on
his life this amount will Immediately secure him in the
Universal the sum OF Sll I5l payable his decease
This paid a company charging the ordinary mutual
rates, would secure him the Of Ss474.
The difference between these sums (3 Is exactly the
same immediate bonus addition to the policy
be paid by the former office the holder the policy in
the y death Observation-Disclosures i,IDr-
diately, secured, in favor of the UNIVERSAL So 277
To illustrate the importance of the policy of
premiums in more terms it NAV be stated that by
reduction of twenty per cent in the rate Of premium
the same amount of money will policy thirty
three and ons-thyd per cent. greater and Likewise that
reduction of twenty cent in the premium
is precisely equivalent to annual ridend Of thirty
three and oHe-fhfd eeHf pdyGbls ddrdHce or TO a
dividend OF Joyre per cent payable at the end of five
years.
By the Stock plan the full cash eff ct of the premium is
Immediately to the insured the Company taking
all the risk By the Mutual plan full value in nsur
of the premium paid, is secured to the policy
holder, who takes portion of the risk himself
THE PREMIUMS
charged by the Universal are as low ms the sc,u.I
perence Of insured life in this country will Justify and
the ordinary Life and Ten year Non rfure pocies
are nearly osethd lower than those charged by the ma
jority of Mutual Companies
BoaTd Of Directors:
john WApswoRTH. President
ALEX. W. BRADFORD. Counsellor-at-Iav
HENRY NJ. ALEXANDER, Randolph Alexander & (reene
SAMUEL ID. RABcock, Babcoek Bros x Co
WIN. q. Lambert. A. 4 Lawrence & Co.
HENRY A. sMTTHE, Collector Port New York o
H. b. HYDE, Vice Pres Equitable Life Assurance Society
MARTIN BATES Martin Bates, Jr & Co
JAMES Nj. HALsrED, President American Fir. ms Co
GEORGE 3 Coz, President American Exchange Bank.
HENRY DAY, LORD, Day & Lord, Counsellors- at-Iaw.
VIM v BRADY, Ex-Mayor City Of New York
RoBEtr L. KENNEDY. 80 Fifth Street
3 HONANs, Aetusry Mutual Life Insurance 60.
o. r. HoPE, President Continental Fire Insurance Go.
I A. MARKoE VI d. East Seventeenth Street
SAMUEL W. ToREET. 2 Exchange Place.
JOIN + METcALF, NJ D "a East Fourteenth Street
H. A HusLBur, late President Second National Bank
CORNELIUS X. AeSEw, VI d go Fifth Avenue
WILLIAM WALKER, IS East Txenty-frst Street.
" A PErERs. NJ. D. % West Twenty -siuth Street.
WE T. BLoDGETT, wm. Tilden 4 Nephew.
J e. GooDRIDGE. Vice President.
HESRY :. fUKBEs S, eond Vice President
0FEICERS.
JOHN WADsW0RTH, President.
J. G. GOODRlDGE
HENRY J. FURBER, ~e rresiornts-
JOHN H. BEWLEY. Secretary.
ALEXANDER W. BRADFORD, Chairman Ez. Com.
SHEPARD ROMANS, Consulting Actuary.
EDWARD W. LAMBERT. VI. D. Medical Examiner.
Table Of Rates and other information promptly furnished
on Application to
c.E NrwcoNB, General Agent.
Bellows Pals, Vt