National opinion. [volume] (Bradford, Vt.) 1865-1874, 1871-04-14

Mei barrett, $50" 4 & a..
6 Horace Greeiey, iSo,So " Fullerton. 90
Meco,. 1892 1872 : Ss 'S T.n %IsS So
, august Beiinap, iS,SS / Edssrton &c..
}oSs fps asss, Isss" CS oT%s sSs
! Elisha sniren, is,N 4 studwell, 500
! T f SS,sm:.'' ii 1921 4 = hha FIJI: Ss s
n @t a.s"ffs ".si; i + ) S. asr%s s s%
W s'iss sls 1897 I%S William William ;1"R s.Sa $50
iSSSSS + S SSs., ISSss f'Ip Trs, 'D'' s sss
d D. sutton. ioooc David i Ogden 500
Warren Wg Ward i:.S Il eobar no'" s S@
} C, II kalbielsch iOOOD X W Iallct 500
Why do these solid and successful business
men. who have proved their financial skill ant
good Judgment by practical results, invest ~
largely IN life insurance Because, experience
has taught them its value IN guarding against
dangers TO which all men are liabe-tho danger
OF losing accumulated wealth by some stroke Of
misfortune, and the danger OF dying uldonly
with affairs 30 conditioned that no other hand
can carry them tn a profitable Issue,
But If such men feel and acknowledge the vast
advantages OF life insurance, how much more
strongly do these benefits commend themselves
to those Of moderate means, and even still more
10 that large number whose fortunes are IN the
future, whose loved ones are dependent entire
~ upon tho continnance o. the health and life
OF the head of the family
'hi any lnhulhDlc man nc halu W NAVE pTbNl-
dcd for his family, who has left them to the
risk OF poverty in the event Of his death
Life insurance IL Savings Bank which se-
cures to every man who avalls himself OF It's
benefcent aid, that he shall leave al inherit
ance proportional TO his productive power,
| whether he dies Tomorrow or lives to exercise
that productive energy for long life time. No
other institution does or can do this. There Is
no other way in which young man starting out
in life can be sure of leaving his family provi-
dod for at his death OF every hundred who
attempt to leave all inheritance from the sue
cesses of business, not five succeed. No man
has the right to expose tenderly nurtured and
dearly loved family with no protection but the
small chances, practically much less than five
in hundred, that he will be one of the SIC
cessful ones.
Within very short time well known gentle
man has suddenly died, while in the midst Of
/ fnll health and apparent cess, by an accident,
/ The gentlcman's success pended upon carry
ing through certain matters which he had in
hand His estate is bankrupt. Thanks to his
wise and loving forethought his widow and
children are provided for by the proceeds of his
life policies Not long since Gen. b. of our ar
my, calling upon friend to get his pay for the
coming month cashed was invited by that
friend, to insure his life. He was in splendid
health and always needing all his money, he
thought he could not afford it, But, said his
friend, | will pay the first premium and YOU
]
no fear, In three days from that time it was
too tate, he was dead and his widow destitute
Every one admits the advantages, the bless
ings conferred by life insurance, but they com
plain that they cannot afford the expense and
SO try to excuse themselves to their col sciences
for what they already know to be a neglect of
duty. But it is not true Of any young man in
health and with the possession of his faculties,
who is fit to have any responsibilities at all,
that he cannot insure for something. He may
perhaps not be able to insure for a large sum,
but certainly he can for small one. How few
men of twenty-five there are who do not spend
for unnecessary Injuries more than twenty-five
| cents a day; yet that amount will insure a man
of that age for more than $4,000 in the NORTH.
WESTERN Mutual LIFE INSURANCE COMPANY,
which is one of the be ST and most desirable in
sltutions to be found in thisor any other conn
try. The success of this company has been
truly notable. it, growth il healthy ar well as
gigantic. Its policies are not large but are
held by those who need such prote, ton the
most and who are also the safest and best risks
to be associated with. The Northwestern is a
purely mutual company in which all the mem
beers are partners and all are equally interested
III having healthy associates and in having the
risks well scattered. All these things are I'M
portant elements of strength. One of the most
vital points about life insurance company is
that Of expenses. Large expenses undermine
company but with small expenses, carefully
The conspicuous economy practiced by the
management of the ''Northwestern -" il best
shown by the Spectator Life Chart for 1871 ."
which gives the ratio of actual expenses for
the year 1870 of siriy-nHe life companies of
the United States This ratio is for all trOrk
ing expenses of the companies, including death
losses, and OF the entire list, but three have .
lower ratio than the Northwestern This
table gives the ratios thus.
Mutual Life of New York. ...... PACT
Economical Mutual ......................,2 6. 76
Charter Oak ....... ......... .26 90
Northwestern INSTRUMENTATION. $50
Being Western company they are able 4,
safely to lend money on strong security at ten
per cent. interest, while they keep a reserve |
at four per cent, interest. A sum of
money invested for 90 wears at ten per cent
interest will yield more than six |
times the amount it would produce at six per
cent, and nearly five times as much as at
eight per cent. Another essential point is that
an insurance company shall be well managed /;
and in this respect no better can be found and
the remarkable growth of the society il doubt
less largely owing to the general confidence felt
by the people in the managers.
The total amount Of losses paid since the or
1859 TO Jan, l, 1871 is ST. 692 $50 80
Of which SAT- ,0S5 II were paid during 1870.
It's total income for 1870 was 50 go 37O.O7
and its interest receipts were $3.50, 707. So Dl-
ring the year it loaned on real estate security
worth two to five times the amount loaned,
~ 400, OOOO0, ut ten per cent interest. Its as
sets are nine million dollars. Whatever sur
plus remains after the expenses and losses of ,
served to meet nj future ab,as " caIctiat re-
with interest at four per cent, is returned TO
he policy holders. This return of surplus,
nm called tnG diy'dend Is distributed to
las fnrnshed toward ma LH9 'ito'I NV Mie ne
ieved to be strictly equitable and is the plan
dopted by most of the oldest and best compa-
mes. note Will be taken for portion of the
"ap portion of To tf tb COMPANY a %
,crs, such loan being fully secured by the ' sur
ender value of the policy This is very good