The Portland daily press. [volume] (Portland, Me.) 1862-1921, 1885-01-14
UNION MUTUAL,
LIFE INSURANCE COMPANY,
PORTLAND, MAINE.
sOHN c. De,vlTT, President.

The reasons why you--a resident Of Maine
should insure in this company In preference to any
IT Is A MAINE INSTITUTION. Its business rs
conducted and its policies are framed according TO
the laws of Maine to which you have access, and In
reSPefs y T9sco yEI sFe gengTsy GioFm9
SURANCE ARE, IN A GREAT MANY CASES,
INTRICATE AND UNINTELLIGIBLE, to the av-
erage man If you insure In some other State com
pany, YOU MAY FIND IT DIFFICULT 10 AS
CERTAIN YOUR EXACT RIGHTS UNDER YOUR
POLICY. Few lawyers even, understand the gen
eral laws, and fewer still the Insurance laws of
other States; and you may discover, when you come
to the test that the actual position and results of
your insurance are quite different from what you
THE INSURANCE LAWS OF MAINE ARE
FEW AND SIMPLE. You can easily obtain pre-
feet. You may be certain, therefore, If you insure
in the Union Mutual that you get exactly what
you want; that If any question arises regarding the
disposition OF your policy oryour rights under it, 1t
can be easily and speedily determined according to
laws and principles which you understand instead
Of being governed and controlled by laws and de-
cisions of which you have no knowledge.
THE INSURANCE LAWS OF YOUR OWN
STATE ARE MORE LIBERAL AND EQUITABLE
THAN THOSE OF ANY OTHER STATE. The
Maine Nonforfeture Law protects all policies from
forfeiture after three premiums have been paid by
reason of failure to pay any subsequent premium.
Such policies are continued In force for their full
amount until the policy-holders has received in
such continued insurance the value the payment
he has made.
MUTUAL is SUBJECT TO THIS LAW. It's prsc-
teal working is shown by this illustrations: II a
person, aged 36, pays three premiums on rs year
endowment policy, and tails to pay the fourth pre-
MUM, the policy by virtue of this law and entirely
independent of any action or violation of the
pany, Will eontinur in force five years and 342 days
longer. The extensions vary with the class Of poll
cy and number of premiums paid but are fixed by
law for each and every case.
THE MANAGEMENT OF THE UNION MUTU-
AL IS BY BOARD OF DIRECTORS ALMOST
WHOLLY COMPOSED OF WELL-KNOWN AND
PROMINENT CITIZENS OF YOUR OWN STATE.
Their names are guaranty of an honest, faithful
and efficient conduct of its affairs. The value Of
your insurance depends entirely upon the certain
ty that company will carry out its contracts fairly
reasonably and promptly; and, In this respects your
personal knowledge of the character and standing
of the persons who control 1t of great Importance
and significance.
THE CONDITION OF THE UNION MUTUAL
AS TO ASSETS, LIABILITIES AND FINANCIAL
STANDING is ANNUALLY INVESTIGATED BY
YOUR OWN COMMISSIONER OF INSURANCE.
The results OF his examination are stated In detail
in his annual report which you easily consult.
You have therefore, In this regard the guaranty of
the endorsement of an official OF whose character
capacity and fidelity you have personal knowledge.
If, therefore, the Union Mutual possessed no adj
vantages peculiar to itself, as distinguished from
other companies, it would be to your advantage to
insure In 1t. 1t Ia certainly very much SO when you
consider the many inducements it presents In ad-
dtion to these considerations.