Evening star. [volume] (Washington, D.C.) 1854-1972, 1882-04-05
THE CONNECTICUT MUTUAL
LIFE INSURANCE COMPANY.

OF HARTFORD. CONN.,.
Recognizing the possible continuance and future effect
Of the producing the great changes In the
rate of interest the best securities and the necessity
of basng al life insurance calculations upon rate Ger
tain to be earned during the possible continuance of
two generations. because of the impossibty Of chang
ing their basis in the future to business then existing
should the assumed rate of interest fail to be reazed
and that in business dependent future contingent
cies nothing is certainly safe that not certainly more
than apparently safe In order to provide absolute
safety in the basis Of its business and to have the
liberty the future selection Of investments ,c conn.,
pus the net premiums and RESERVES upon future poll
cies the assumption of earning per cent interest on
the best long Investments instead Of per cent thich
is and ,riH remain the basis Of business noo e.
listing.
As further basis it assumes the rate of mortality
shown by the American Experience Table. the entire
safety of which, assumption for the future has
been fully proved.
Its contracts win thus be securely based than
written; and long the actual rate of in
invested win give the larger returns Of surplus
interest.
The new premiums charged for policies, while pro-
ving larger for future safety will give the
advantage Of the company's unriyalled economy in
the average something less than those heretofore
charged.
Its new policies will contain some most important
NEW FEATURES,
While Inostmen get beyond the need for Insr-
ance. nearly all look forward to time when others will
be no longer dependent upon them and when they may
wish to have all tho remaining surplus from past abors
available for personal Hence they take endow-
ment policies for such periods they think will cover
the need Of insurance. and payable themselves after
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 new insurance at
much higher premium because OF advanced age; I'd.
That the premiums for cndowDents are much higher
than for life policies that cannot usually afford by
this to carry as much insurance as their families
need.
In order to give method by which can carry the
largest possible amount to protect his family just long
as they need it. and yet make the payments less
the cos. of insurance had. available at should the
need of insurance cease. VIC offer the following:
The Whole Life Policy at tho ordinary annual prem
iurn. with limited number of premiums; all sur
Plus credited upon the policy may be left with the COM
determined by the Directors to be paid with the policy
at its maturity. to the person entitled thereto.
At the end Of each period Of 10. Is, 90 49, 80 &c.
etc., from the issue of such policy the parties In
interest may surrender the for cash value as
previously credited and 30 accumulated.
or:paid-up insurance may then be taken for such
amount as the cash value and surplus previously cred
tied win buy as a single premium.
Should the policy lapse at any intervening year of
the above periods and after three premiums have been
paid. insurance win be given on surrender of
the policy according to its terms for such amount as
the reserve and surplus previously credited ess small
surrender charge. will buy as a single premium.
THE ACCUMULATION OF SURPLUS WILL BE STATED
EACH YEAR.
cess!ty to Day current premiums.
This gives the greatest amount Of insurance the pre-
ntums can buy while insurance Is needed and also
gives their ertire effect endowment insurance
becomes unnecessary. The longer the policy runs the
greater its value both an insurance and an endow
ment and the higher required by the assurnp
tion Of per cent interest makes the policy Just so much
the more valuable endowment
We believe it. intend It to be- the safest most
valuable. and most liberal contract ever written.
IACOp r