The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-07-18
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 600 three times the amounts pol
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.
i. 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
2. 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,
allow 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
snred, and at the expiration OF life, as indicated
by American mortality experience, each will
have paid the same amount 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 care than is
generally practlced by companies based on the
assessment plan. The forms provided for appli-
cations and the medical examinations required
are such as Will secure the greatest degree OF eX-
every healthy individual DESTROYS of securing
membership in the company will know how to
appreciate.
5. It's plans of operat on are based on principles
That have been thoroughly tested All lapses and
foffeitures, 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.
All assessments will be based the rate of
lighthouses per one thousand members.
Thus, il there are 1000 members and a death
occurs it will cost member aged 30 years 60
cents But if there are 1900 mem ers it will
cost the member aged 80 years only 60 cents for
to0 deaths, and ii there are 5000 members it will
cost the same member. aged so years, only go
cents for three deaths in the company. There
must be as many death-iosses as there times
thousand members in the company until
member insured for $1,000, is assessed the full
amount placed opposite his age the table. In
other words, assessments are laid ratably ac-
cording to age, amount insured, and the number
OF death-losses per one thousand members.
Classes, series and divisions, which tepd to
weaken company and multiply its expenses
re thus avoided. Uniformity of death rates, and
rfect equality of costs according to age and
/. nount insured, are thus secured to all the mem
RS policy holders OF the company.
While insurance obtained in the Home Mutual
thus shown to be as safe any that can be Sc
lred, the tables will show its cheapnesS as com
red with other companies.
Tor further information, and terms to agents,
dress
ARIsTA HoGE, HOGE KER.
HEBER KER. Staunton, Va,
DISTRICT Agents for Virginia-Nelson, Albemarle,
Ffuvana and Louisa counties excepted.
FOR Non-Forfeiture and return assessment
plans see circulars Feb. HIN