Bellows Falls times. [volume] (Bellows Falls, Vt.) 1856-1965, 1867-04-19

THE DISTINCTIVE FEATURE
of the Stock system of Life Insurance opposed to the
Mutual, is low rate of premium which is IMMEDIATE
SECURED and CERTAIN in lieu Of a dividend which is
DISTANT, CON rlNGENT, and UNCERTAlN this So
called dividend being merely return of portion of III E
excessive and unnecessary premium charged in the FIRST
ILLUSTRATION:
Suppose that individual aged thirty desires to devote
$500 year for the purpose of eectng insurance on
his life this will Immediately secure him in the
Universal the sum of Sll75l payable on his decease
This sum paid to company charging the ordinary mutual
rates, would secure him the sum Of Ss,474.
The difference between these 1873 exactly the
same as an immediate bonus addition to the policy 70
be paid by the former Office the holder the policy in
of the early death of the nsureddiTerence mime
datey, secured, in favor of the UNIVERSAL 80 277
To illustrate the importance of the policy Of low
premiums in more general terms may be that by
reduction of twenty-five cent in the premium
the same amount of money will secure policy thirty
three and one-tird per cent greater and likewise that
reduction OF twenty-five per cent in the rate Of premium
precisely equivalent cash dipiend of tyt
three and onethod per payable adraHce or TO
dividend OF Joryre per cent payable at the end of
By the Stock plan the a cash Eff Of the premium /,
iedatey securet to the insured, the Company taking
al the risk BY the Mutual plan, the full value In insur
ance of the premium paid is secured to the policy
| holder, who takes portion of the risk himself
THE PREMIUMS
charged by the Universal as low as the actuaI ex
perence of insured life in this country will Justify and
the ordinary Life and Tenyear Non 70 rfeiture pocias
nearly oRed lower than those charged by the ma
jority of Mutual Companies.
| Board Of Directors:
JOHN WADswoRTH. President.
| ALEX. w. BRADFORD Counselor-at-Iaw
HENRY NJ ALEXANDER, Randolph, Alexander & C;reene
SAMUEL D. BADoocK, Babcock Bros & Co.
WIN G. LAMBERT. A. &. A. Lawrence & Co.
HENRY A. SMYrHE, Collector Port, New York
II b. HYDE, Vice Prest, Equitable Life Assurance Society
MARTIN BATES, Martin Bates Jr & Co '
| JAMES NJ HALsrED, President American Fire Ins 70
| GEORGE S. Coz President American Exchange RAM
| HENRY DAY, LORD, Day & Lord, Counsellors.at-Iaw
VIM. V. BRADY, Ex-Mayor City of New York
| RoBE1r l.. KENNEDY, SO Fifth Street
). Romans, Actuary Mutual Life Insurance Co
g. I HoPE, President Continental Fire Insurance Co.
I NJ. MARKoE III D. East Seventeenth Street
| SAMUEL W. TORREY - Exchange Place
| JOHN Il METoALF, NJ. ID. 81 East Fourteenth Street
ii. A. HURLBuT, late President Second Ma ional Rank
CORNELIUS X. AGsEw, VI, d. 39i Fifth Avenue
WILLIAM WALKER, IS East Twenty first Street
| g. A. PETERS, NJ. D. 20 West nty-ninth Street
| WIN 7. BLoDGErr, Vim. Tilden s. Nephew
| J o. GooDRIDGE, Vice President.
\ HENRY .FuRBER Second Vice President.
| OFFICERS.
JOHN WADSwORTH pros;,o,
| J. G. GooDRlDGE
HENRY ]. FURBER Vice Presidents
| JOHN ii. BEwLEY scro,.r
| ALEXANDER W. BRADFORD, Chairman Fx' Com
| INV mn. m N, nV y Consulting Actuary.
| on application to
CE. NEwCoMB, General Agent,
Bellows Falls, VT