The Portland daily press., 1884-04-28
UNION. MUTUAL
LIFE INSURANCE COMPANY,
PORTLAND. MAINE.
Thirty-fOur Wears Old. Purely Mutual.
Assets Over six Million Dollars
Uncomfortable Policies.
No Restrictions Upon Travel, Residence,
or Occupation
All Policies Non-ForfeitabIe under
THE MAINE hON-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
10, ID. 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 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 If
the MAINE NoN-FoRFEITURE LAW, and are INCoN-
TESTABLE and UNRESTRICTED AFTER THREE
YEARS.
This plan presents the only attractive feature of
so-called cooperative Insurance, '-ow rates dur
ing the early years of policy, without its defects
The premiums are adjusted that they never
become burdensome or increase beyond the ability
of the insured to pay, while sufficient to insure tho
solvency and stability Of the Company. IT FUR
NIsHEs A CONCLUSIVE ANSWER TO THE ARGU
AIENTs 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 regularly increasing premium until the
tenth year. after which 1t remains fixed at the rate
given for the tenth year. At age % the first pre-
MUM is $l2.70; the second, $13.S6; the third
$15.02; and SO on increasing until the tenth year
when and thereafter the premium is $23. IA.
The plain hfe-rate at age rs is $l9.89. This
rate is not reached upon the adjusted premium
plan until the seventh premium. When the insured
reaches the age of &c. he pays and continues pay
premium of $23.14; whereas the plain life-premi-
UNI at that age is S26.3S.
UPON THE l5-YEAR ADJUSTED PREMIUM PLAN
the first premium at age 20 is $12.70; the second
$13.65 the third, $l440; the fifteenth and there
after. $2460. The plain life-premium $3.50, is
not reached until the tenth year; and the contfnu
ing premium of $24.60 is $6.7O less than the life
rate at the then age of 40.
Upon THE 20-YEAR ADJUSTED PREMIUM PLAN
the first premium at age 25 is $12.70; the second,
$13.41; the third $14 IL: the twentieth and there
after $26.19. The plain life-premium, 1889, is
not reached until the eleventh year, and the con-
tinung premium of $26.19 is S11.7S less than the
plan life-rate at the then age of 45.
This plan is fully and clearly described in the
COmpany's publications, which will be furnished
upon application to the home Office, any of its
agencies. 1t will be found, upon examination that
it possesses especially advantageous features, and
covers all desirable forms Of Insurance being par
ticulary adapted to meet the precise wants of the
individual insurer.
ESS-In the hands of active energetic, industrious
agents therefore, it cannot fail to be productive of
large and profitable business.
The Company is ready to negotiate with, and viii
make liberal contracts for good territory with,
agents wba will energetically
Drew nom Drew