The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-06-13
Rates per death in 1000 members for
$1,000 insurance.

Ages from Is to "a, inclusive, insured at the
same rate as age %:
policy Tor $4,000 three times the amounts pol
icy for $1,000 costs.
thereafter for annual dues and mortality assess
ments one-haf the amounts a policy for $1,000
costs.
Advantages offered by the Home Mutual
Life Association of Pa.
l. Its mem bers, or policy-holders, secure insu-
rance at cost. There are no over-paymentS col
lected. Members pay as they go and get what
they pay for
elsewhere with the same degree OF security.
3. 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 thesyoungest in
sured and at the expiration OF life, as indicated
by American mortality experience, each will
have paid the same amount nearly can be
obtained without assessing fractional cents.
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
are such as will cure the greatest degree of
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 operat. on are based on principles
that have been thoroughly tested. All lapses and
forfeitures, as well 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.
ALI assessments will he based the rate of
death-losses per one thousand members
Thus, if there LOGO members and a death
occurs it will cost a member aged 80 years go
cents. But if there are 1000 members it will
costthe member aged 80 years only so cents for
too deaths, and if there are 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 lighthouses as there are times
thousand members in the company until
member, insured for $1,000, is assessed the full
amount placed opposite his age on the table. In
other words, assessments laid ratably
cording to age, amount insured, and the number
OF death-losses per one thousand mem bers.
Classes series and divisions, which tepd to
weaken a 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
or policy holders OF the company.
While insurance obtained in the Home Mutual
- thus shown to be safe any that can be Sc
fred, the tables will show its cheapness as COM
=, red with other companies.
Eor further information, and terms to agents,
dress
ARIsTA HoGE, HOGE & KER,
HEBER KER. Staunton, Va,
District Agents for Virginia-Nelson Albemarle,
Fluvana and Louisa counties excepted.
FOR Non forfeiture and return assessment
plans. see circulars. Feb. HIM