The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-04-11

Ages from Is to "a, inclusive, insured at the
same rate as age rs.
A policy for $4,000 costs twice the amounts. and
policy for $4,000 three times the amounts pol
icy for 81 600 COSTS
A policy for $500 costs IS admission premium:
thereafter for annual dues and mortality assess
ments one-half the amounts a policy for $1,000
costs.
Advantages offered by the Home Mutual
Life Association of Pa.
l. Its members. or policy secure insu-
rance at cost. There are no over-payments col
iected. Members pay as they go and get what
they pay for
g. Its rates are cheaper than can be obtained
elsewhere with the same degree OF security.
8. Its assessment rates are adj listed to age. The
members all pay according to expectation of life
Take the rates at any two ages from the table,
sllow compound interest at the rate of per cent
per annum for ages above 40, and Slightly de-
creasing rate from that age to theIyoungest in
sured, and at the expiration OF life, as indicated
by American mortality experience. each will
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.
4. It's risks are taken with greater care than is
generally practlced by companies based on the
assessment plan. The forms provided for appli-
cations and the medical examinations required
emption from bad risks. This is feature which
every healthy individual DESTROYS OF securing
membership in the company will know how to
appreciate. EkM
S. It's plans of operat on are based on principles
that have been thoroughly tested. All lapses and
forfeitures. as well as mortality losses, are
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. ,..6+'
AL! assessments will he based on the rate of
death-losses per one thousand members.
Thus ii there are LOCO members and death
occurs, it will cost member aged 30 years go
cekts. But II there are 1000 members it will
costthe member aged 30 years only 60 cents for
tho deaths, and if there are 5000 members it will
cost the same member, aged 80 years, only go
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
mem Der. insured for 81 900. is assessed the full
amount placed opposite his age on the table. In
other words, assessments laid ratably ac-
cording to age. amount insured, and the number
of death losses per one thousand members.
Glasses. series and divisions, which tend to
weaken a company and multiply its expenses,
are TINS avoided. Uniformity of death rates, and
perfect equality of costs according to age and
amount insured, are thus secured to all the mem
bers or policy holders OF the company. NJ
e While insurance obtained in the Home Mutual
cured, the tables will show its cheapness COM
pared with other companies
For further information, and terms to agents,
address f. fg .f7
ARIsTA HoGE,1 -l4 4.r HOGE KER
HEBER KER. Stanton, Va,
District Agents for Virginia-Nelson, Albemarle,
FluVana and Louisa counties excepted.
For Non Forfeiture and return assessment
plans. circulars. Feb. l4-6m
For, a NICE s,s,ss s Z
aesf Silk Dress.
AT VERY Low PRICE.
mar2S go to W. H. wELLER's.