The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-05-30

Ages from Is to q, inclusive, insured at the
same rate as age IS.
policy for IS, eco costs twice the amounts, and
policy for So, 600 three times the amounts pol
icy for 81 600 costs.
A policy for $500 costs IS admission premium:
thereafter for annual dues and mortality assess
ments one-half the amounts q policy for $1,000
costs.
Advantages offered by tEse Horne ATue ual
life Association OF Pa.
l. 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
they pay for.
elsewhere with the same degree OF security.
9. Its assessment rates are adjusted to age. The
mem hers 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 annam for ages above A, 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 nearly can be
obtained without assessing fractional cents
This exact equality of rates for the different ages
is important to the stability OF a company, and is
found in no other company based on the assess
ment plan.
A. It's risks are taken with greater care thsn is
generally practiced by companies based the
assessment plan. The forms provided for atpti-
cations and the medical examine if'. required
are such as will cure the greatest drgrra OF eX-
emption from bad risks. This is fat .lrc which
every healthy individual DESTROYS vi 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
forfetures, 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 lie baseo on the rate of
death-losses per one thousand members.
Thus, if there are LOCO members and q death
occurs, it will cost q member aged 30 years 60
cents. But if there are 2.G0O members it will
coStthe member aged 80 years only 60 cents for
tloo DEATHS and il there 5000 members it will
cost the same member, aged 80 years, only 60
| must be as many death-losses as there are times
one thousand members in the company until a
member insured for 81 eco, 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-losses per one thousand meInbers.
Glasses, 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
aouIlt 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
red, the tables will show its cheapneSS as com.
red with other companies.
sor further information and terms to agents
dress
ARIsTA HoGE, HOGE s. KER,
HEBER KER. Staunton, Va,
District Agents for NATURALIZATION, Albemarle
FIuvana and Louisa counties excepted.
For Non Forfeiture and return assessment
plans, see circulars. Feb. l4-6m