The Portland daily press., 1884-04-21
UNION MUTUAL
LIFE INSURANCE COMPANY,
PORTLAND, MAINE.
JOHN e. DEWITT, President.
Thfrty-four Years Old. Purely Mutual.
Assets Over Six Million Dollars
Uncomfortable Policies,
No Restrictions Upon Travel, Residence,
or Occupation.
An Policies -Forfeitable under
THE MAINE N-FORFEITURE LAW.
The Union Mutual Adjusted Premium
Plan.

furnishing insurance at minimum rates.
This plan provides for an exceedingly Low INIT
IAL PREMIUM, which increases each year during
TO- is, or 20 years. and thereafter continues at an
even rate. The first premium is very much lower
than ordinary life premium, and, notwithstanding
the increase, NEVER EQUALS THE PLAIN LIFE
PREMIUM AT THE THEN AGE OF THE INSURED.
The dividends upon these policies are payable In
reduction of the fifth and subsequent annual prem
iums still further reducing the cost of the insur-
ance. These policies entitled to the benefits II
the MAINE NoN-FoRFEITURE Law, and are INc0N-
TEsTABLE and UNRESTRICTED AFTER THREE
YEARS.
This plan presents the only attractive feature of
socalled COOPERATIVE Insurance "-low rates dur
ing the early years of policy without its defects
The premiums are 80 adjusted that they can never
become burdensome, or increase beyond the ability
of the insured to pay, while sufficient to insure tho
solvency and stability Of the Company. 1T FUR
NIsHEs CONCLUSIVE ANSWER TO THE AR9U
MENTs OF COOPERATIVE AGENTS, and, in the
hands of active and energetic men, produces large
business IN THE VERY FIELDS MOST EFFECTIVELY
WORKED BY THEM.
ILLUSTRATIONS.
THE 10-YEAR ADJUSTED PREMIUM PLAN pro-
vides for a regularly increasing premium until the
tenth year. after which 1t remains fixed at the rate
given for the tenth year. At age 20 the FIRST pre-
MUM Is $l2.7O; the second, $13.S6; the third,
$15.02 and 80 on increasing until the tenth year,
when and thereafter the premium is $23. IA.
The plain nfe,rste a. age Is is $l9s9: This
plan until the seventh premium. When the insured
reaches the age Of 3d. he pays and continues to pay
um at that age is $26.38.
Upon THE 15-YEAR ADJUSTED PREMIUM PLAN
the first premium at age IS is $1270; the second,
$13.65; the third, $14.40; the fifteenth and there
after, $24.6O. The plain lfe-premium 1888, is
not reached until the tenth year; and the continu
ing premium Of $24.6O is $3.50 less than the life
rate at the then age of 40.
UPON THE 2O-YEAR ADJUSTED PREMIUM PLAN
the first premium at age % is $12.70; the second,
$13.41; the third. $14 10: the twentieth and there
after, $26.19. The plain hfe-premium, 1888, is
not reached until the eleventh year, and the con-
tinuing premium of $26.19 is $11.7S less than the
plan me-rato at the then age of 40.
This plan is fully and clearly described in the
Company's publications, which will be furnished
upon application to the home office, or any of its
agencies. 1t will be found upon examination, that
tposseses especially advantageous features and
coUers all desirable forms of Insurance, being par
ticuarly adapted to meet the precise wants of the
individual insurer.
9-In the hands of active, energetic, industrious
agents. therefore, 1t cannot fail to be productive of
large and profitable business.
The Company is ready to negotiate with, and will
make liberal contracts for good territory with,
agents who will theoretically
PUSH FOR BUSINESS.
n. =. FERRIS