The Valley Virginian. [volume] (Staunton, Va.) 1865-1895, 1878-02-21
Rates pc, death in 1000 members for
$1,000 insurance.

Ages from Is to "a, inclusive, insured at the
same rate as age 25.
A policy for So, 600 costs twice the amounts, and
policy for $1,000 three times the amounts a pol
icy for 81, 600 costs.
:. A policy for $500 costs SIS admission premium
thereafter for annual dues and mortality assess
ments one-half the amounts policy for $1,000
costs.
Advantages Offered by the Home Mutual
Life Association of Pa.
l. Its memb ers, 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"
2. Its rates are cheaper than can be obtained
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 AZ, and a Slightly de-
creasing rate from that age to theiyoungest in
sured, and at the expiration OF life, as indicated
by American mortality experience, each will
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 practiced by companies based on the
assessment plan. The forms provided for appli-
cations and the medical examinations required
emption from bad risks. This is a feature which
every healthy individual DESTROYS of securing
membership in the company will know how to
appreciate. sA.
5. Its plans of operation are based on principles
that have been thoroughly tested. All lapses and
forfetures, as well as mortality losses, are re-
supplied with new members OF the same age as
or younger than, the yacating members were at
the time OF joining, so that dangerous increase
OF age will become impossible.
All assessments Will he based on the rate oil
death-losses per one thousand members.
Thus, if there are 1000 members and death
occurs, it will cost q member aged 30 years &C
cents. But il there are 1900 members it will
cost the member aged so years only 90 cents for
tioo DEATHS and if there are 5000 members it viii
cost the member, aged 30 years, only &C
must be many death-losses as there are times
thousand members i'll the company until
member, insured for 1900 is assessed the full
amount placed opposite his age on the table. II
other words, assessments are laid ratably ac
cofding to age, amount insured, and the number
OF death-loSseS per one thousand members.
Classes, series and divisions, which tend t6
weaken company and multiply its expenses
are thus avoided Uniformity OF death rates. ant
perfect equality OF costs according to age and
amount insured, are thus secured to all the mem
bers or policy holders of the company.
While insurance obtained i'll the Home Mutua
is thus shown to be as safe as any that can be Sc
cared, the tables will show its cheapneSs as com
pared with other companies.
For further information, and terms to agents
address sffa
AIIsTA HoGE.i HOGE & KER,
HEBER KER. stanton. Va,
District Agents or Virginia-Nelson, Albemarle
Fluvana and Lot is +. counties ce >ted.
For Non-ForfeIture and return assessment
plans, circulars Feb. HIN