The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-06-20
Rates per death in 1000 members for
$1,000 insurance.

Ages from Is to a. inclusive, insured at the
A policy for 81, 900 costs twice the amounts. and
policy for $4,000 three times the amounts pol
icy for $1,000 costs.
thereafter for annual dues and mortality assess
ments one-haf the amounts policy for $1,000
costs.
Advantages offered by the Home Mutual
Life Association of Pa.
l. Its members, or policy-holders, secure insu-
rance at cost. There are no over-payments col
lected. Members pay as they go and get what
they pay for"
2. Its rates are cheaper than can be obtained
elsewhere with the same degree of security.
3. It's assessment rates are adjusted to age. The
members all pay according to expectation of life
Take the rates at any two ages from the table,
allow compound interest at the rate of per cent
per annum for ages above 40, and slightly de-
creasing rate from that age to the!youngest in
sured, and at the expiration Of life as indicated
have paid the same amount as nearly as can be
obtained without assessing fractional cents.
This exact equality of rates for the different ages
is important to the stability of company and is
found in no other company based on the assess
ment plan.
A. Its risks are taken with greater than is
generally practiced by companies based on the
assessment plan. The forms provided for appli-
cations and the medical examinations required
are such as will cure the greatest degree of ex-
emption from bad risks. This is a feature which
every healthy individual desirous OF securing
membership in the company will know how to
appreciate.
s. It's plans of operation are based on principles
1udG nave Uetu tuOrOuSuly bcSteu. All ldpScS auu
forfeitures as well mortality losses, are re-
supplied with new members OF the same age as,
or younger than, the vacating members were at
the time Of Joining, so that dangerous increase
of age will become impossible.
All assessments will he based on the rate OF
death-losses per one thousand members.
Thus, il there 1000 members and death
occurs, it will cost member aged 80 years go
cents. But if there 1900 members it will
costth member aged 80 years only 10 cents for
too deaths, and if there 5000 members it will
cost the same member, aged 80 years, only so
cents for three deaths in the company. There
must be as many death-losses as there are times
thousand members in the company until a
member. insured for $1,000 is assessed the fl /
amount placed opposite his age the table. II
other words, assessments laid ratably sc
cording to age, amount insured, and the nuy a bel
of death-loSseS per one thousand members.
Classes, series and divisions, which te Cd tf
weaken company and multiply its ey penses
re thus avoided. Uniformity OF death ates an6
,rfect equality OF costs according to age and
Mount insured, are thus secured to all the lem
RS or policy holders of the company.
While Insurance obtained in the ZONE Mutual
J.. thus shown to be as safe any that can be Sc
fred, the tables will show its cheapness as com.
red with other companies.
For further information, and terms to agents
dress
ARIsTA HoGE, HOGE KER,
HEBER KER. Staunton, Va,
District Agents for inia-Nelson, Albemarle
Fluvana and Louisa counties excepted.
FOR Nom forfeiture and return assessment
plans. see circulars. Feb l46m