The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-06-06

Ages from Is to "a, inclusive, insured at the
same rate as age rs.
A policy for 81, 900 costs twice the amounts. and
policy for $4,000 three times the amounts pol
icy for 81 900 costs.
thereafter for annual dues and mortality assess
ments one-half the amounts a policy for 900
COSTS
Advantages offered by the Home Nu. uaI
Life Association of Pa.
l. Its members, or policy holders, secure insu-
rance at cost. There are no oyer-payments col
lected. Members pay as they go and get what
.. Its rates are cheaper than can be obtained
elsewhere with the same degree of security.
8. Its assessment rates adj Sted 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 thefyoungest in
by American mortality experience, each will
have paid the same amount nearly 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. 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
such as will cure the greatest degree of ex-
emption from bad risks. This is feature which
every healthy individual DESTROYS OF securing
membership in the company will know how to
appreciate.
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 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 be based on the rate OF
death-losses per one thousand members.
Thus, if there are LOCO members and death
occurs, it will cost a member aged 80 years go
cents. But if there 1000 members it will
cost the member aged 80 years only 60 cents for
taoo DEATHS and if there 5000 members it will
cost the same member, aged 80 years, only go
cents for three deaths in the company. There
must be many death-losses as there are times
thousand members in the company until a
member. insured for 81 900, is assessed the full
amount placed opposite his age on the table. In
other words, assessments are laid ratably ac-
cording to age, amount insured, and the number
of death-osses 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 or policy holders of the company.
While insurance obtained in the Home Mutual
thus shown to be as safe as 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. 5 Staunton, Va.
District Agents for Virgnia-Nelson. Albemarle,
Fluvana and Louisa counties excepted.
For Non-Forfeiture and return assessment
plans, circulars. Feb Him