The Portland daily press., 1868-11-28
Liz Insurance on a Positive Basis. :

Thee is tendency among men of all classes
towars speculation in regard to matters in |
whclmoney is any way concerned. If we in
vest, the ordinary manner, one dollar, we of |
cours expect at least one hundred and six |
centsn return, but if we have chance of re-
ceivig by some extraordinary method of in |
vestr MT, dollar and quarter at the end of |
the var, we are often willing to pay, for the |
privisge OF incurring that chance, such sum |
as my deprive us of any profit whatever.-
Nowin some forms of business this system
may)e admissible, where in the constant fluc-
tuatin of prices and values it is necessary to
sometimes meet future by present uncertain
ties. But there is one thing in the future, on
whio man can certainly depend, and that is
his cath. Therefore, all the arrangements he
maks concerning that important event should
be inmutable as death itself. These remarks
are prompted by consideration of the differ
ent Methods of life insurance now offered to
the public. On one side we have the mutual
companies, which, for positive high premiums,
pai during a mans life, will guarantee a GER
tan sum to his heirs at his death; and also
wal possibly pay into his hands certain premi-
ums which may be declared by the companies:
the ime of payment and the amount of said
premiums to be determined by the profits
which may accrue. On the other hand we
have the method proposed by the National
Lie Insurance Company OF the United States
of America 1--WE give the name in iull TO show
one of its distinctive features. 1t is not State
corporation but holds charter granted by
~ I,
new features of Life Insurance, but the point
to which we wish to direct attention il, that
everything it promises is as fixed and certain
as that which it asks. There is no possible
prolific be paid for by positioe cash. Every.
thineis regulated on a sound business basis,
according to the best known theories of the
daHtion of Life and value of Money. In the
first place the premium paid is smaller than in
the mutual companies. There is an advantage
to start with. Secondly, there is no possibil-
ity of the insured person being deceived or de-
ceiving himself by incorrect calculations So
much premium secures so much money at
death Thirdly. The policies cannot be for
feited, for what one has paid he receives pol
icy for proportionate amount. Fourthly.
The policy one receives is certain possession
of the heirs at the death of the insured. 1t
cannot be attached by creditors Filthy
According to one of the plans OF the Company
not only is man certain to leave to his heirs
the amount OF his policy, but, in addition, the
sum Total of all the premiums he has paid dur
ing his hfe-the Compan;, in this case, con-
tentng its,lf with the compound interest up
on said premiums. Sixthly. In accordance
with the "Iucome-producing Plan," a man can
rec i've, after a certain number of years (ac-
cording to the kind of policy taken,) fixed
and regular income during his Lire, besides the
amount paid to his heirs at his death. Seven
thy. All these promises are secured by paid
sp capital of one million dollars thus making
it possible for this Company to meet all liabli-
ties, no matter what losses or di>appointmants
may occur. When we add to these various ad-
vantages, the fact that men of the highest
financial positions il the country are at the
head of thus Company, there is no possible
reason for doubling the absout, security il
guarantees to all its policy holders. The in
ducement thus offered to accept positive ben
eft in case of certain event, should, We
think, be accepted by all who are intending tt
insure their lives, or to increase insurances al
ready made. E. L. o. Adams, corner Ex.
change and Middle street, Portland, is the
special agent.