The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-04-04
Rates per death in 1000 members for
$1,000 insurance.

Ages from Is to "a, inclusive, insured at the
same rate as age 25.
policy for 81, 600 costs twice the amounts and
policy for 49, 900 three times the amounts pol
icy for $1,000 costs.
A policy for $500 costs s. admission premium
thereafter for annual dues and mortality assess.
ments onehalf the amounts a policy for 81 600
costs
| Advantage Offered by the Home Mutual
Life Association Of Pm.
1. Its members, policy-holders, secure insu-
rance at cost There are no over-payments col
iected. Members pay as they go and get what
they pay for"
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 thefyoungest in
sured. and at the expiration of life, indicated
by American mortality experience, each will
have paid the same amount as 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 conn any based on the assess
ment PLAN
H. Its risks are taken with greater care than is
generally pfactlced 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 ex-
emption from bad risks This is feature which
every healthy individual DESTROYS OF securing
membership III the company will know how to
appreciate. lsaa
5. Its plans OF operat. on are based on principles
that have been thoroughly tested All lapses and
Iorfeitures, as we'll 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 VIII become impoSSi BILE.
All assessments will be based on the rate of
death-losses per one thousand members.
Thus, ii there are LOCO members and a death
occurs, u VIII cost q member aged 80 years 60
cents: But II there 1000 members it will
cosI IHe inemDer aged 80 years only 60 cents for
ttoo DEATHS and il there 5000 members it will
cost the same member, aged 80 years, only so
must be as many death-losses as there are times
one 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 are laid ratably ac-
cording to age, amount insured. and the number
OF death-losSeS per one thousand members.
CiasSeS, series and divisions, which tend to
weaken company and multiply its expenses,
are TINS avoided. Uniformity of death rates. and
perfect equality of costs according to age and
amount insured, are thus secured to all the mem
bers or policy holders of the company.
Wh1le insurance obtained in the Home Mutual
is tn US shown to be safe any that can be Sc
cured, the tables will show its cheapness as COM
pared with other companies.
For further information, and terms to agents,
address
ARIsTA HoGE, .sa-Ft HOGE &KER,
HEBER KER. Staunton, Va,
District Agents for Virginia-Nelson, AIbemarle,
Fluvana and Louisa counties excepted.
For Non Forfeiture and return assessment
plans see circulars. Feb. 146m
DOR NICE
SILK Dress.
Alta VERY Low PRICE.
mar 20 20 to w. H. WELLER'S.