New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1879-08-02

l1s-sl -. 426O48 II CASH TO WIDOWS AND
oppu ANs-RFDUC1ION OF RATES.
NON Harpers Weskls. Augast 1872
n every family, not of such positive afiiu-
once as 10 be beyond the reach OF saster ~ auuIe o.
,h ,rees Of income there must always be sense OF
s,rebepsion for the future Death casts menacing
shadow across the brightest prospects, ana the Tear ora
beesved family enduring wants for which no adeqA
,asoprces can b. afforded makes tue sharpest Roau
with which the man business Is melted IL i hs
more than avarce tie desire OF lnoruha'e s''''
,icos that iupels the OyerstraDed strife TOT moheS
among our people. As a rule, the manifestations "i
creed do not continue among us through fe ID so."'
nav With business success comes the family ana a.
,be bousebo advances the culture, TASTE aud hoer
r,.oes o. nature life mitigate the wear and tear o. 'e
struggle for property and stable home
A RANSOM FROM ANNFTY.
On, the fact that by a simple and practical expedieut
an corrding fear OF death and OF business failure may
h snper@eded, and the provision Of moderate Ger
tainty secured forms one OF the pecnar ue'e
opments Of our time. BY means OF NE Insurance.
winch may be maintained fer tI1he Iroa y 49,, y.
ear man secures an Indemnify which protects le
OF bis death bis family against want lAs ,t I
deemed novel ana mvserou, IN the last genefaton ma
n tne present DeooiS ,S1fai feature of The greater
hie-policy tis = ,, ,s, Fror ifs infancy IN.
In present century, life insurance mas become gtnt
sod Tith the osteriug shelter republican iusttu-
tions IL bas reached proportions rvanng The hscai
operations Of the National Government me Out-'anl-
measured a. high the volume Of our National debt
LIFE INSURANCE At a REDUCED COST.
As a topic OF the day. interesting 20 almost every
household the na settlement Of the hye yeais cohuo
erv about the reduction OF insurance COM
rands attention. AT the close Of this period Of
- IS.urapcr COMPANY Of NeW-York has finally
md permanently reduced its premium 10 per
cent from the established rates l4is rtdueu.44 l
10 onger experiment nut has reached the e'el VI
regular ana established routine
THE IMPROVEMENT n TIE AVERAGE DURATION OF
HUMAN LIPS.
Among the factors which make sucn reduction prae
4cab and safe is the that the average OF human
existence under modern institutions, has improved ID
an apprecabe degree II some Of the Reglslr'r-Geu-
erals euorts this Improvement is limited al in England
and Professor De Morgan calls attention 10 the diScrep
nncies between the old and the newer e-,aoes a. "a
Inent OF lie which has taken place from thr nlrouue
Ton OF vacclhauo9' more tel m "owns sc-
counts in degree for the differences I'D the Iaes iHi
not significant important testimony to the success
OF our great educational system, Of our more 1pahGe4
popular intelligence, Of our institutions, whethtI pnt-
has become feasibei This subject might be ENLARGED
upon bat We mus. re5IIlcI ol , itsi lie Irsur-
snce COMPANY
THE MEASURE OF THE GREAT FAMILY FUND.
The great question, Does II pay Z" puts aside all 9th
er as 70 how the thing done. Disputes about man
aqement must at last be solved by results. For those
who want only insurance it may be interesting 20 learn
that the Mutual Life Is q compact OF individuals all as
surfing each other, newcomer and the old being on
one fooung There Is no question Of stock or propre
s0r0iug controlling the common interest lEe meas
of the accumulated Gsseiso the Mutual I1Ie bshoW
attained magnitude 10 mnuons some 70 R ger 'eD'
greater than all the capital Of he backs o. The MetroIo
lis, being m the agree ate ecI'VOVOg II Is we ili-
est financial corporation Known 10 '1.l lts poICl,s
OUTSTANDING securing hfe Insurance equal ~ amount
The Of The National bank CURE cy afoa ut
The practical of ITS 5ene1cen use illness viii be
best IN tac exact LIST Of It's payment for year
ng1fo tapg 800 ~ Tt 1o cvh. iders
c. 80 m 05ate column the amount of earnings
remaining death II be useful 10 note that many
OF duplicate policies PAID Tor IRON these earn
lngs or then premium paid applying the div
ordinary accumuatlonsy even 70 ,5e ,s,s ~ -
threeold the amount Of the Original sum lnsnTeu a1
alike the prudence and success on me arg
49,, "a ,c-eenta.,e az prrIpuin rates. Those rates
ktn exceed what cal ed Tor 70 secure the amount IN
cured II may claimed THAI tls excess Was tuAgo
with Interest by Mutual L'e but equally certain
that would slipped into the pocEel oi ee ,loch
b. borne ID mind that OF the largest companies are
conducted different plan from the mutual Lac, anu
fhay are managed Ike an other corporations. lot the
- 1,oI,rr,iriers me demaud for the old OF
1rerIr 80. regard o the profits OF these stakeholder
which have heretofore been loaded on 70 the tao Is anu
computing the cost Of insurance as maze upDy
tie acJuarIes.
tbs sAFE WAY TO co ABOUT INSURANCE.
Al tae disputes that have flied the uewspapcrs about
this riecl be condensed into two sentences 50 M
persons VINO want insurance require 10 De iheI
g gnI5 G.o and not Wat to De nun; ed up
Next rs me largest Tie soupdest the best accredited
oornrpv in th- world has now permanently established
the lowest rates and the safest terms only the s0'o
lutely uniformed aud those Incompetent 70 Jnuse can
be imposed upon aud misled.
Tie source Of difficulty with those who insure is thai
they ge insurance than they can afford TO carry
They give 10 the persuasion OF aSehis MO push
their investnrnt for strictly safe and prudential Oh
ieet beyond tBer means into the very vortex Of tnat
speculation which the original design OF The
Transaction guard against Out OF ms has arisen tho
lapse and forfeiture OF pohc eH SO much con Of
The preteuCs OF turning life insurance into savings
fnordinate insurance policy is desirable than
big mortgage for q family.
WHERE THE PITFALLS ARF-THE PATENT SAFETY
INSURANCE GAMES.
The reckless efforts tending % degrade this bcncfnt
scheme into the channels OF mere stoGk speculation
should meet with Reproduction. All the devices
20 gef Although II is the latest development OF tue
higher mathe ateai sciences the system IS really sn-
pc and rigid 10 Us require II Is as exact anu ~
from its ruls and experiences as 10 ndiscrimi-
maze selection, nonorfoiJue. incoutestabty, or loose
ness OF handbag In any shape which may impair the
precision on esfustes are fatal 10 its very existence
~, t;ec nrrnc51es The various bats and Ola usi-
ss ne nvBry with when the feasts OF the gaming
house are e forth to entice their victims 70 the faro
table They lead merely o. fraud, Yexauon ana Gsas
ter They are resored 10 for issuing temporary policies
or who'll lie r-at mass are abandoned inside Of three
years aorlng the cnie hed Of the speculative or pro
Jrietary companies for their private profits me pt
fenced hbersty such j. the least desirable
o. all features Of the system ke oratory IN regard
requirement was action and. when asked what else. he
said the rect also saetlonso the nrst thng 10 NE ID
sursnce safety, and all the rest likewise Is safety
In choosing between stock comp ny anu me Au-
tnal 10 Is II the ownership and cultivation OF your
were compared with working shares With another
eom9anir % must have their s6afe or the profits which
Ihey can deduct only from the money OF tue policy
holders
suRRFaDER VALUES AND INcoNTEsTABIIITY.
The Legislature Of the state OF New-York bGvng last
Winter declared by statute the manner IN whca sur
render values shall be adjusted Tor the future The Au-
tua Life mas applied the rule uniformly to the entire