St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1892-04-07
Personalities and CHALLENGES

In public print by Life Agents feature in
PRODUCED by Mr. Hastings and strongly con-
treated my brother agents have treat ted
like attacks, unnoticed, only some might not
take his advice, but take his word without
investigating, and insure without knowing
that five of his statements, as applied to the
present policies and contracts of the 1Etna,
are absolutely false. Call and see the proof
He and others can have free permits on their
p1oyment, and its new ones give these rights
after three years and are non-fOrfeiting and
incontestab1e after the death of the insured.
1t writes variety of over thirty policies,
some without and some with cash surrender
values. He admits my assertion, that the
Massachusetts, law is part of the contract.
Now one section of the law has over $50
words and with all the law included, who
would have the shortest" contract? No
wonder it is not given to the insured. when
the law is such a that the President of
the largest and only prominent company in
Massachusetts,, says that by it 'MaSsachu-
settS life insurance companies are placed at
great disadvantage in comparison with the
companies of other stateS,'' and by its effects
the Ompanies cannot exist without great
danger" Mr.. Hastings shows his tact in
excluding in his challenge all policies issued
within 10 years, so to include those issued
when A. per cent of the interest paid the
27 per cent of premiums paid in divi
dends, and exclude those of later issue, when
the in tereSt is not enough to pay the manage
rnent expense and it is only paying 1872 per
cent of premiums in dividends Persons in
than ancient history. AS to which pays the
largest dividends 1 let the official reports of
the two companies answer that, and other
points he claims. and leave each one to be
his Judge. Call and these reports,
and comparisons have of like policies of the
two companies, and see how much has been
saved by those insured in the Etna.
Which Company is the Strongest?
Organized Assets 81 Surplus 81 per ct.
Ktna, 1S5OlS37, 3eT, 23StS6, 22S, 14o 100
State. 1915 1895 3sl 925,327l 115
Which Company shows the most Vitality?
Total - polio 81 New
Ktna Sc 2o3. 575 81 900. Al / n, 666 1 2. 16e
State 1911 ,531l 32o,2Ssl 3,691i 2.577
Which shows the cheapest management?
PERCENT OF MANAGEMENT TO TOTAL INCOME.
1891 i1seoI 1889 1883 1887 1886
sta eta i7 re s &c 1e. Se ie 1883
In the management per cent in the tables
above and below is INCLUDED payment of IN
TEREsT FROM STOCK PLAN of the Ktna TO
STOCKHOLDERS.
Which Company saves most of its Interest?
PER CENT OF MANAGEMENT TO INTEREST.
1891 1890 1889 1883 1887 1855
Rtna o42 o.42 o.42 o.37 o.35 o.sa
State 1.o4 1 .o4 OBS o.91 o-s9 o.sO
Which company gets the best rate of interest?
PER CENT OF INTEREST TO ADMITTED ASSETS.
1891 1890 1889 1888 1887 1885
state o o25 o29 o o2a o o4 o29 o25
In the folio wing table of dividend per cent
to premiums. premiums the STOCK PLAN
of the Ktna on which dividends paid,
are included, otherwise the Astna's per cent
would be much larger.
! Which company pays the largest dividends?
ilse1 1890 1889 1883 1887 1889 6
State 13.1 1872 1873 1916 1873 1873
Which company sells Endowments cheapest?
ENDOWMENT RATES FOR 81 900 AGE OF 80.
10 yrs. us yrs. 40 yrs.l25 yrs. 80 yrs.
Ktnal$ e6.oslS 62.55l$46. l$36- 1880. 80
State | 1O5.7Ol $685. 47.45l 36.75l 3O.25
This ends all controversy with Mr.. Hast
ings on my part in public. 1 only ask that
| those insuring will SET PROOFS and FIGURES
before TAKING any ones word.
E. e. SARGENT, Gen. Agt.
st. Johnsbury, VT, April 1, 1882.
P S. 1t is 25 years today since first rep
| resented the 4stna here. Do you know of
| any outstanding claims due against it and