The times. [volume] (Richmond, Va.) 1890-1903, 1892-03-06
a SUBSTANTIAL COMPANY.
The Northwestern Mutual Life Insurance Co.
as Shown by the 3ith Report

The standard OF membership in this COM
pany has always been high. higher indeed. in
1881 with new business of siXty-fye mil
lions than ten wears before with a business of
only fifteen millions.
The average death rate of the company
during the past twenty years was 5000 per
thousand insured during the past fifteen
years. $3.50 during the past ten years, ? 70;
duringithe past tye years. $3.50, during the
past year. =. 80. and lower during each period
than the death rate Of any other leading COM
pany. The average rate OF all companies re-
porting to the Massachusetts Insurance De-
partment IN 1890 was 1910 per thousand.
The supremacy Of the Northwestern among
its principal competitors IN point of interest
rate continues. Comparison OF this report
with statement of last January will show that
the rate actually earned IN 1891 was Ito per
cent on the assets at the beginning OF the
year.
The same well-known. careful and exact
standard and method govern the investment
of its funds and We think no other company
can show its entire reserve invested III
frst-mOrtgage bonds.
In 1850 the amount added to surplus in the
Northwestern (SSSi. 500 exceeded that OF any
other company. while in 1891 this Increase
81. 35g 1860 was 81 per cent larger than IN
1890
Relative to the expense Of securing new
business our company has not for years IN a
single instance paid salary 10 any general or
soliciting agent. while the grade and rate OF
commission paid for business IS no higher
than eight years ago.
Ii is also proper 10 state in this connec-
ton that our company during 1890, In collect
ing nearly @9.0O0,00J IN premiums. lost
through lts agents only S16.g6, or less than
one thousandth Of per cent In 1891 IN col
lecting over sl0 100000. It lost nothing.
Our pOlicy-hOlders have become willing to
waive the distinction of belonging 10 the
largest company IN the world, or the COM
pany doing the largest business IN the world,
since they have eXperlmentaly learned that
such results as the foregoing mean not only IN
creased and increasing solidlty and strength,
but annual and substantial benefits 10 them
not eQual.ed by any other company IN the
world
The company during the past year paid
dividends on It's first ten year tOntue policies,
issued in 1881. that proved very satisfactory
and Justify the belief that. whatever the re-
suits under such policies may be III the future.
they cannot fan % yield larger surplus returns
for premiums paid than any other form Of HE
and investment insurance IN this or any other
company. Dividends upon ten-year tontne
policies maturing in 1892 show even better
than those of 1891. Dividends OF 1872, upon
policies taking dividends annually, also show
the usual increase.
Tie new business Of the company was
larger in 1891 than IN any previous year. tho
bus ness of each month OF the year beng
larger than in any corresponding month IN
the cOmpany's history.
The whole number Of policies in force Janu-
arv /. 1892 was ll3.52s. amounting 10 SZl5.-
ca. 1852. an increase for the year OF 1908 poll
ces and $50. 7G5. $40 insurance. Probably no
other large company can show such a proper
ton of insurance gained as compared with
new business written during the year.
The foregoing facts are OF vital importance
t. insurers residing IN healthy portions OF the
United States. The Northwestern rlgdly de
clines all business from foreign countries and
upon residents within 100 miles OF the South
Atlantic and Gulf coasts.
We invite all parties Interested IN the sub
iect of life insurance 10 correspond with us.
and we will send upon request further points
for their consideration. relying upon their IN
telligent Judgment 10 select the best company
to which they Will entrust the investment Of
their premiums for the benefit OF their families
or Of their own old age.
JOHN Is. CARY IL Son.
General Agents for Virginia and
North Carolina.
1901 Main street. Richmond, Va.