The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-03-21
Bates per death in 1000 members for
81. 900 insurance. E-l- ~

Ages from Is to a. inclusive, insured at the
same rate as age 20.
policy for 81 goo costs twice tae ana
icy for 81 900 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. XIX. .pg if .fl4
Advantages offered by the Home Mutual
Life Association of Pa. 5ol..-g
l. Its memb ers or policy-holders, sec ure insu-
rance at cost. There are no over-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.
8. Its 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,
How 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
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
4. Its risks are taken with greater care than is
assessment plan. The forms provided for appli-
cations and the medical examinations required
are such will cure the greatest degree OF ex-
emption from bad risks This is feature when
every healthy individual DESTROYS OF securing
membership in the company will know how to
appreciate. t.gEFrFuMSI -
s. Its plans of operat. on are based on principles
that have been thoroughly tested. All lapses and
forfeitures as 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 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 are LOCO members and death
occurs, it will cost member aged 81 years o.
cents. But if there are 1900 members it vii
cost the member aged 80 years only so cents FOL
taoo deaths, and if there are 5000 members it will
f1n ,hnr
cents for three deaths in the company There
must be as many lighthouses as there are time,
one thousand members in the company until
member. insured for $1,000, is assessed the full
amount placed opposite his age on the table. II
other Words assessments are laid rataDly ac
of death-losses per one thousand members.
Classes, series and divisions, which tend *
weaken a company and multiply its expenses
are Thus avoided. Uniformity of death rates. am
perfect equality of costs according to age anC
amount insured, are thus secured to all the mem
bers or policy holders of the company.
While insurance obtained in the Home Mutua
cured, the tables will show its cheapneSs as com
pared with other companies.
For further information, and terms to agents
address
ARIsTA HoGE, -Ht+-sfH HOGE KER,
HEBER KER. Staunton, Va,
District Agents for Virgnia-Nelson, Albemarle
Fluvana and Louisa counties excepted.
For Non Forfeiture and return assessment
plans, see circulars. Fep. l46m
EOR SALE-A No. Il Soda 1854
IL FOunta in,
uaad on1v e.saasor II will he sold at low fl