The Portland daily press. [volume] (Portland, Me.) 1862-1921, 1884-04-19
UNION MUTUAL
LIFE INSURAl ICE COMPANY,
PORTLAND, MAINE.
JOHN Il. DEWITT, President.
Thirty-fOur Wears Old. Purely Mutual.
Assets Over Six Million Dollars
EncontesiabLe Policies.
No Restrictions Upon Travel, Residence,
or Occupation.
The MAINE NON-FORFEITURE LAW.
The Union Mutual Adjusted Premium
Plan.

furnishing insurance at minimum rates.
This plan provides for exceedingly LOW INIT
IAL PREMIUM, which increases each year during
10, 15, or 20 years, and thereafter continues at
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 of the insur-
ance These policies are entitled to the benefits If
the MAINE NoH-FoRFEITURE LAW, and are INCON-
TEsTABLE and UNRESTRICTED AFTER THREE
YEARS.
This plan presents the only attractive feature of
so-called "Cooperative Insurance. '-low rates dur
ing the early years of policy without it's defects
The premiums are so adjusted that they can never
become burdensome, or increase beyond the ability
of the insured to pay, while sufficient to insure the
solvency and stability of the Company. IT FUR
MISSILES A CONCLUSIVE ANSWER TO THE ARGU
MENTs OF COOPERATIVE AGENTS, and, in the
hands of active and energetic 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 it remains fixed at the rate
given for the tenth year. At age % the first pre-
MUM Is $l2.7O; the second, $13.86; the third,
$16.02; and SO on increasing until the tenth year.
when and thereafter the premium is S23. IA.
The plain lfe-rate al age 20 is $19.S9. This
rate is not reached upon the adjusted premium
plan until the seventh premium. When the insured
reaches the age of 3d. he pays and continues to pay
premium of S23. "a; whereas the plain life-premi-
UNI at that age is S26.3S.
UPON THE 15-YEAR ADJUSTED PREMIUM PLAN
the first premium at age 20 is S12.7O; the second
$13.55; the third, Sl4.40; the fifteenth and there
after, S24.60. The plain life-premium $3.50, is
not reached until the tenth year; and the continu
ing premium of $24.60 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 20 is $12.70; the second
$13.41 the third, $l4 III the twentieth and there
after, $26.19. The plain life-premium, S19.S9, is
not reached until the eleventh year, and the con.
tinuing premium of S26.19 is $11.78 less than the
plan hfe-rate at the then age of 40.
This plan is fully and clearly described in the
C0mpanys 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
cocers all desirable forms of Insurance, being par
ticuarly adapted to meet the precise wants Of the
individual insurer.
R-In the hands of active, energetic, Industrious
agents. therefore, 1t cannot fail to be productive of
a 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.
j. r. FERRIS
Manager for Maine & N. III. Agencies,
apr5 PORTLAND. ME eodtf