The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-05-23
Rates per death in 1000 members for
81 600 insurance.

Ages from Is to "a, inclusive, insured at the
same rate as age 20.
a policy for $4,000 three times the amounts pol
icy for 81 900 costs. :.
policy for $500 costs S. admission premium:
thereafter for annual dues and mortality assess
meIts one-Iaif the amounts policy Tor $l,OOo
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 ovef-payments col
lected. Members pay as they go and get what
3. Its rates are cheaper than can be obtained
elsewhere with the same degree of security.
members ali 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 thesyoungest in
sured, and at the expiration OF life, as Indicated
by American mortality experience, each viii
have paid the 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
4. Its risks are taken with greater care than is
generally pract1ced by companies based on the
assessment plan. The forms provided for appll-
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
S. It's plans of operate on are based on principles
that have been thoroughly tested. All lapSeS and
forfeitures, well as 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 a dangerous increase
of age will become impossible.
All assessments will be based on the rate OF
lighthouses per one thousand members.
Thus, il there are LOCO members and q death
occurs, it will cost member aged 80 years so
cents. But if there are 1000 members it will
cost the member aged 80 years only 60 cents for
too deaths, and il 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 there are times
thousand members in the company uRtil a
member, ingnred for 81 900, is assessed the full
amount placed opposite his age on the table. In
other words, assessments laid ratably &C.
cording to age, amount insured, and the number
OF death-losses per one thousand members
Classes, series and divisions, which tend to
weaken a company and multiply its expenses
are thus 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.
While insurance obtained in the Home Mutual
3thus shown to be safe any that can be Sc
lred the tables will show its cheapHess as COM
.,red with other companies.
FOR further information and terms to agents.
-ldress
ARIsTA HoGE. HOGE KER.
HEBER KER. Staunton, Va,
District Agents for Virginia-Nelson, Albemarle
FIuvana and Louisa counties excepted
For Non-Forfeiture and return assessment
plans, see circulars. Feb. 146m