Evening star. [volume] (Washington, D.C.) 1854-1972, 1882-04-03
THE CONNECTICUT MUTUAL
LIFE INSURANCE COMPANY.

OF HARTFORD. CONN.
Recognizing the possible continuance and future effect
producing tho recent great changes in the
rate Of interest tho best securities and the necessity
of bssng all life Insurance. calculations upon rate GER
tain to be earned during the possible continuance Of
policies hereafter to be written, period Of than
two generations because Of the impossbity Of chang
ing their basis the future business then existing
should the assumed rate Of interest fail to be realized
and that bufinesz dependent on future contingent
ces nothing Is certainly safe that not certainly more
than apparently safe; in order to provide absolute
safety the basis Of it's business and to have the
liberty in the future selection of investments ,cu
psts the net premiums and reserves upon future poll
cses on the assumption, osarnin0 cent interest
the best long Investments instead Of per cent uhich
is nou and ,0iu remain the basis Of business now e-
istino.
As further basis it assumes the rate of mortality
shown by the American Experience Table. the entire
safety Of which, q an assumption for the future has
been fully proved.
It's contracts viii thus be securely based than
erest remains above the assumed rate the larger
invested viii give the larger returns of surplus
interest
The new premiums charged for policies, while pro-
viding larger future safety will give the
advantage Of the company's unrivalled economy in
management; being annual premium life policies on
the average something less than those heretofore
charged.
Its new policies will contain some most important
NEW FEATURES:
While mostmen never get beyond the need for insur
be longer dependent upon them and when they may
wish to have all the remaining surplus from Past labors
available for personal use. Hence they take endow-
ment policies for such periods they think will cover
the need Of Insurance. and payable themselves after
wards to which there two essential objections: ls
That in point of fact they usually need the insurance
after the term Of the policy has expired but have then
become uninsurable, only get insurance at
much higher premium because Of advanced age; ID.
That the premiums for endowments are SO much higher
than for life policies that men cannot usually afford by
this to carry much insurance as their families
need.
In order to give method by which can carry the
largest possible amount family just long
as they may need it, and yet make the payments less
the cost Of had available at once should the
need of insurance cease. we offer the following:
The Whole Life Policy at the ordinary annual prem
ium with limited number of premiums; all sur
plus credited the policy may be left with the
pany to accumulate at such of interest may be
determined by the Directors be paid with the policy
at its maturity. to the person entitled thereto.
At the end Of each period Of 10. Is, 20, 49, 80 49,
etc years from the iss,e Of snch pocv thu ,oras q,
interest may surrender the for cash value IS
therein agreed together with the amount of the surplus
previously credited and 80 accumulated
Or.paid-up insurance may then be taken for such
amount the cash value and surplus previously cred
tied win buy Is a single premium.
Should the policy lapse at any intervening year Of
the above periods and after three premiums have been
paid paid up insurance win be given ON surrender of
the policy according to its TERMS for such amount as
the reserve and surplus previously credited less small
surrender charge. win buy a single premium.
EACH POLICY WILL HAVE ATTACHED A TABLE OF
CASH VALUES GROWING oUT OF THE RESERVE. AND
THE ACCUMULATION OF SURPLUS WILL BE STATED
EACH YEAR.
The accumulated surplus may be used in case of ne
cessity TO Day current premiums.
This gives the greatest amount Of insurance the pre-
miums can buy while insurance Is needed. and also
gives their entire effect as endowment insurance
becomes unnecessary. The longer tho policy runs the
greater Its value both an insurance and IN endow-
ment and the higher required by the assusp-
ton Of per cent interest makes the oliov just so much
the more r0luabie as an es,detrmeat
NO halt