The democrat. [volume] (Weston, W. Va.) 1868-1874, 1871-04-17

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A. d. Cornell. l5,mo y. WheelWright, e0H9
August BelknAp, l2s,oo l. Edg1rtou; eo90
JoSR S Sd1,s I IS IN Cornell Cornell SEC s
Elisha Sniffen. 1900 A. Studwel, 9.UU
4 T Stewart Stewart iSS% / N R.S s SSS
Dr. Brsndrrtb i660n0 Z r Radd 51OO
William Foster, 10000 is JAnkus. 300
Cyrus W. Field, 10000 William n Tweed, 5000
Henry b Hyde, 10000 Philip Chapel. 5000
= H'RR'H + SIas, i i bsi rSsyi 100
T. B. Sutton, 10000 DAVID Ogden; sS6@
Homer M1Tssn' 1900 R %SOdwOrh' s Sso
c. H Kal6aciseh. 10000 R. W. Hallet, 5000
Why do these solid and successful business
men, who have proved their financial skill and
good judgment by practical results, invest SO
largely in life insurance. Because experience
has taught them its value in guarding against
dangers to which all men are liable-the danger
OF losing accumulated wealth by some stroke Of
misfortune, and the danger Of dying suddenly
with affairs so conditioned that no other hand
can carry them TO profitable issue.
But il 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
to that large number whose fortunes are in the
future, whose loved ones are dependent entire
~ upon the continuance Of the health and life
OF the head OF the family.
Can any insurable man be said to have provi-
ded for his family, who has left them 10 the
risk Of poverty in the event OF his death?
Life insurance is q Savings Bank which Sc
cures to every man who avalls himself OF its
beneticent aid, that he shall leave an inherit
ance proportioned 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
z L.. l.. -Ntst-
ded for at his death. OF every hundred who
attempt TO leave an 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 sue
cessful ones.
Within avery short time well.known gentle
man has suddenly died, while in the midst Of
full health and apparent success, by an accident.
The gentlemans success depended 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 late, 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 c0nsciences
for what they already know to be 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 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 vet that amount will insure man
OF that age for more than Sc, 900 in the NORTH
WESTERN Mutual LIFE Insurance COMPANY,
which is one OF the b 81 and most desirable in
situations to be found in thisor any other coun-
try. The success OF this company has been
truly notable. Its growth is healthy as well as
gigantic. Its policies are not large, but are
held by those who need such protection the
most and who are also the safest and best risks
to DO associated with. The Northwestern is a
purely mutual company in which all the mem
bers are partners and all arc equally interested
in 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 lie insurance company Is
that Of expenses. Large expenses undermine
company, but with small expenses, carefully
selected risks, and large interest on invest
ments, the very oestresults are OBTAINED;
The conspicuous economy practiced by the
management OF the "Northwestern, Is best
shown by the spectator Lie Chart ior loii,
which gives the ratio OF actual expenses ior
the year 1870 OF SiLiy-nine life companies OF
the United states. inns ratio Is tor du TorS-
ing expenses Of the companies, including death
losses, and OF the enure nst, Dut three nave w
lower ratio, than the Northwestern" This
table gives the ratios thus:
Mutual Life OF New YORK. '''....''...'.. 24.6l
ESpomical Mutual. i..................2 6.76
o. Oak. ..................... 70. " "
North~estern .............;;;;... .2I;So
Being Western company they are able
safely to lend money on strong security at ten
per cent. interest, whlle thcy keep reserve
calculated at four per cont interest. A sum OF
money invested LOT % years AZ Ten per cent.
compound interest VIII yielu more IMAM si1