The Fremont weekly journal. [volume] (Fremont, Sandusky County, Ohio) 1867-1877, 1871-03-10
HrNrs no ZEE PuRL1c.

lava and medical suryslianco o0llga gations EhIch
might be adopted. ae6 7lEs ,sia2
HINTS TO THE PUBLIC.
In these days when Jifo Insurance Compa-
mics are increasing in number with fearful
rapidly, it behoOves the people to be very
careful in the selection of "a company in which |
to take policy ofIifo assurance. Many Com
panies are organized for the sole purpose Of |
cnriching stock holders and bringing into pub |
lie notice, 'efavorite" officers. Life insurance /
is based on a firm foundation, on principles as
incontroEertable as the law of gravity, and.the |
practice Of the various companies are subject |
ed to the supervision of prudent and wise /
State lave, yet among the 100 to l75 different /
sspirzRts for public favor It Is scarcely posi-
bic that all viii bo managed Tor the public |
good. The management OF some OF these |
companiesrnay prove that they care little for |
their own reputation, and less for the interest |
Of policy holders. = ffzb Ucfnf
1CIn view Of these facts We deemed aAfew |
plain hints On tho selection of a Life Company |
misht not be apiss. Feeling confident that |
the puhlic, in whose interest we labor, viii |
Appreciate our motives, fs-r SefrrI. Sal
lst. Select an old Company with good |
record. If yop were about to place money in
the hands Of $ trustee for the benefit, Of sour
family, would you select stranger Would |
you select q man you had bat little knowledge |
Of, AID one too, Of when you had no means of |
gaining further information of than you al |
ready possessedP ? An old company has an Of
fcial record that furnishes the best precedent |
for the future. Remember the words Of Pat
rick Henry, 'I know no way Of Judging Of
tho future but by the past" A new company 1
is simply s stranger of whose business eapaci-
ty you know but little, and have no opportu-
nifty of securing further knowledseof than |
you already possess. They are simply nsthi,lg 1
more than experiments, and are yoa willing |
to jeSpardize your own family for the parpossa
Of assisting others in experimenting for their
own benefit? We should think not, siuceit is
entirely unnecessary, as there are many Com
paRies in which if you place savings you may.
have your perfect confidence that y0u are IL
stred. .s-l.., ,-..-.lt s..tc
I'd. Compare ratio Of assets to liabilities, as
shown by the Insurance Commissioners re-
port. Assets alone are no real criterion as to
the strength of any Institution Their Iiabili-
ties may be greater in proportion than they
should be.
Sd. What are their assets composed of
They should be Of solid worth. No vision
airy investments But of the highest order Of
securities. I
18th. Economy is the shibboletb that bespsaks
success. It is Of vital importance to each pol
icy holder that the Company have an oconon-
ical at management. We do not overstate
the matter when we say it is of the first i'm
portsuce to each individual member Of the
Company.
5th. Choose Company that is not fond Of
litigation. While a Company should not
throw down the barriers of safety, by making
their policies incontestable, thereby opening
the door to fraud, but few cases should be Iiti-
gated. Losses should be settled promptly.
9th. Campare average rate of interest re-
ceived as shown by the Commissioners report.
The management of Life Company should
possess financial ability as well as tact IN Sc
curing good class of risks. The rate OF in
terest received is Of very great Importance to
every policy holder. --.-. III
7th. Avoid Company that boasts OF its
hberality, by receiving all on tho same terms,
regardless Of residence or employment. What
would be thought Of fire insurance company
that would charge the same rate for a sub
stantial farm house as they would for a plan
ing mill, or for dilapidates wooden tene-
Inent house with bad surroundings, as they
wound for a brick fire proof buildiag fayora-
ably located Whenever it can be proved
that an unacolimated persons, going into a
yellow fever district during the yellow fever
season, or brakeman on freight trlin, runs +
10 morerisk thana farmer or merchant at
tendibg his ordinary business in Northern
Ohio, then, and not until then, viii & be prh-
dent for life Company to abolish Hextra
Zisks.' 1t may be asked where can We ind
q Company that can stand all these tests
There are many such IN our country. Aud
it only require the prudent. use Of little good
sense to find them, See the Insurance Com
nissioner's report aud examine for yourselves.
You are capable Of forming as eerrecta judg-
meut Of the standing of Companies as are
agents, and by ehqnce may not be quite as
much prediudiced in your opinions. Among
those who can stand these tests the Old Ma 9
lional Life, Of Vermont claims your attention:
1st Because ofits age. Being an old Com |
pany chartered A. d., 1913. !
I'd. Tt has more assets in proportion to lia-
DiIitiss, belonging to the policy holders of the
Company, than any other purely life company. ]
3D. Their Investments are Of the highest I
,rder for security, and their money may be G
oaned wherever the highest rate of interest L
nay be had, subject te the class of Investments
ilowed by their laws. ok a +
Ath. They have always been known as one C
# the most economical companies, nothing f
,eing wasted in extrayagant and useless ex- n
'enditures. e. !,
5th. The National, of Vermont, has never n
lad law suit or contested claim. :
9th. The average interest received has been
cry large, being over . per in 1869.
9TH The National trys to divide the cost
quitably. While havingno unnecessary Is- n
tricticns, each person is made to carry his r
Wn risk The National insUres on all plans n,
sed by other good Companies, and in addi- h
on furnishes en- endowment policy at life hjr
ates. (Thisplan being peculiar to this Com
any, Thus protecting your own old age,
lille guarding your family against the
lances Of your early death. A Ooljeg caaast p
forfeited IN the National erea i goa ar.
,rslsss gna indifferent asOut your o,cir inter- s
Is, sH policies are absolutely non forfeitable.
7Srd 4 Butman are the agents, See them.