New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1875-12-07
Gufcial Notices.
Tho True Iden of Lilo Insurance.

taas Definite absolute vaiue money not n its
but who depends the continuance and
life for tho psbment OF certain
peounsry results which endangered ny the Liability hss
the life NAV fall against this danger Oers
demny life OF the husband and father produces for his
family home food cohes education. and every means OF I'M
pOyement and usefulness IN word all they have ana are
hope be- comes and II to COMO from b
toll and care The cost things day day Ia tho
money OF his life 10 them Sum the cost Of these for
oil should live reach the Limit Of eIi'onco and
you value of lis life the actual money capital
represents Them that which they would odo a9d arc dsy
In danger Of losing by death To illustrate BY figures
aged 80 has erpend for hts family annually $1,000;
will need this for indefinite future period probs
bly, so long may 1--we. His sfrfetme Is
80 They should therefore, Do enabled receive this
900 for that period nj least but this in
hazard Of loss ~ his death Row. tho
present value Of this that B the single sum Vt money
which being put per cent interest Will produce Tho
50 year for IS yearss $4,000 nearly This sum.
Is the cash yaue OF his life 10 his family this II Their
ghul property in his e which instead of being 80
them beyond peradyentnre they at any mo
lose wholly and forever this they must have ready
be provided the emergency make them 1hoe peou
niay for the loss of his Ife This is the average pcuDAU
equivalent Of HIS life
This sum Life Insurance does provide.
tbrngs together multitude OF aged 80 and makes
agree each other that when dies the
pay his family the cash value Of his life which they
compsh after ascetainng the rate ~ mortality and assn
ing rate Of interest by paying into the common fund
hIed year their lives. The loss is NOS
the family but the wording producing multi
and ~ thus having constantly ed tho value Of
each life every family to receive that which it head
would provide living In word their risk of loss has boon
assumed the multitude and tho cash value Of the average
lifetime Of the husband and father secured ~ hen beyond
contingency.
general terms matter in what particular
sona relation stand Regards Others whethor as
husband parent debtor otherwise II De entitled 10
any benefit of his productive energy bs LIE represents
much capital with constan, hazard of loss against
which Life Insurance furnishes indemnity.
The 10 20 offer this protection at s
lowest actual cost This It's single office and only merit
And this should be sufficient o recommend II 10 all right
thinking and would be properly understood Yet
many have insured with personal profit from
dividends" widespread ia the popular
mind which needs correction. The ordinary Of the
implies division OF the profits arising the
oymen OF money This il what people lei tn eIpectia
life aud the object for which My insure
It this word discarded aud mode Of expression
hitch shall convey the truth What Is called dividend
simply the return II surplus uDneeded premium tho All
usment Of the actual TO the assumed cot Of insurance 10
guard against unforeseen contingencies charge at the Do
ginning Of each year premium which fully beovs to bs
700 high and when the experience Of the has shown JUS,
what rmium actually needed return the unused bal
ance whereby hs insured has had his Insurance at Us cost 10
the company which to the individual is the
There profit the Insured but the contrary.
constant cost To reduce which to the lowest practicable point
second important object of management security beng
r,t Aud the sing that these returns Of
ductions OF cost.
The has had its rse partly IN misconocpton
partly doubt In the desire avoid the ncpa obsacls
the Tie acceptance Of fo insurance upon ~
merits The obstacle IA simply selhshness insure,
himself against the loss Of his property h
lis capital hs right and 10 loss his damage ard distress,
sef.uerot at the bottom Of the act But life nsur1aceb
purely uusesh act II calls upon him own
money and lay II aside beyond his control part wibt
and forever to protect others which
a pccuniary t. create benefit which he has
share He must sacrifice something Of what ho has earned
which he likes to handle and call his The self
siiCL prompts him Insure bimsef money oss
which he may incur Is precisely the thing In tho
way Of tis unsclfsh for the sole Others
And It Is the dcslrc to evade this plain fact that
ms led many to attention 10 the large returns u
Surplus a something produced by the employment II
the money paid for premiums AID 50 endcayOng birth
argument for life insurance addressed 10 the sesness
The insured personal proht him. Instead seeking
bring him up 20 the level Cf his plain duty OF self sciihco
And here 1, tho argument for lie IT Il DUH
has assumed voluntarily tho and responsibility
lamy lie has made them dependent ulon his life hs
compelled reclts their capta-iher all
10 has entered into solemn engagement with them SUD with
ocety at large that he viii for them IN all
wants, and neither leave item burden 70 themselves
9T the for "G 9Er S2 ale lie f. rpSas and b.
ound by IN obgson he cannot escape ant IoT which hs
caisi9ly aad z.s"sy as Iheii present Their iutdro Il,
% ne w ,n1t te ro tb U ~" i Il, , Ii o At uIon
hn I p 80, H. ,n aE,,st ~ '.oy 1ahDOt %
here IS o insure ' his ene s way or %1o be can h. do q
prOyiIc tho substitute the money equiv aloDt for
Ais life in II tails this II anu moth.
ug does II is the means whereby he can fulfil
cation them which escape ana Lis Oilga
society well lie fore own ocl Oh pleas
AID forget his selfish instincts. 70 90 ~, dependent
as simple justice for the neglect 81 which ne
% them Lor 70 MS own mah,ol lie must not place hnef
ia tho way OF their protection That simple eaon cruelty
those who powerless 10 defend themselves against
ito Gas no fghuy II 10 eowarIy IN hnto leave
Oear the fsk OF MS lie He must pay the Company ~ Tor
chem.
TINS clearly understood and accepted how fail
finally ito do their simple and
sake that the family. the society,
fabric thriNes
supplied that its purposes DO
throughout It's duts that home
nno live Ia love IL, need It's sheitcrug
wire the necessity OF ins Will careful
select Company that is Old and strong, been
thoroughly tested Ia every and cODceTung
possibility OF None but geFy
rtisiy IN. afford to ty experiments .lLh ts
losing both hts money weak and
any the security furnished absputs
1Ecs And among the very best those
acquainted with its affairs FUZZY believe standing t0ronos
4
CONNECIICUT
MUTUAL LIFE INSURANCE CO.,
OF HARTFORD. CONN. ORGANIZED. 1sas