Maryland independent. [volume] (Port Tobacco, Md.) 1874-current, 1898-12-16
YTyHE STATE MUTUAL LIFE
u ASSURANCE COMPANY
OF
WORCE,S FER, Ma SSACHUSETTS,
Was organized in 1875 under a Perpetual
Charter from tn 8 C1mmonwealth,
granted in 1874.

Charter from tn 8 Common wealth,
granted in 1874.
1T INVITES
The attention of those intending to insure, TO
the following
FACTS:
1 No Massachusetts, Life Insurance
Company ever failed This Company
has never suffered any reverses.
Management.
Its management is conservative and en-
ergetic.
II conducts iis business on a strictly clF1
basis. Both premiums and poices are ? y
able in cash.
Economy.
II adheres to The stficlest ECONOMY. [S,e
Massachusetts, Insurance Commissioner S
Reports
1t never Intentionally insures an impaired
life.
Death Rate.
6 1t has experienced death rdte below the
average in American companies; rs per cent.
less than the tabalar rate
Investments.
7 Its investments are all legally foiiiably
and safely made.
Interest.
The INTEREST reAiize' on ils invested
faads paid pll its death claims for 49 years.
Policy.
8 The policy is free from all unnecessary
conditions and restrictions. II IL a simple
contract promising so much insurance for 81
many premiums, and is absolutely inconles-
table after rwa.years
Non-Forfeiture.
Cash Values; Paid Up Values;
10 ALL IT'S POLICIES ARE PROTECTED IRON
FOBFETURE bY a statute Of the State.
The cash value Of every poicy, for every
year, after The first from lis issue 10 us ma
iBrity, is fred by he laws ef tAs Common
VeaiM. II policy apses ior nun-paJ meat ri
premium, after tgo have been paid, The Law
without requiring the Injured 10 take
any action or to give any notice, ikea
its values at the tue Of the lapse, and secures
the same TO the insured either in cash at once
or in pdid up insurance TO be received by the
policy holder ut the tune stipulated ia the
original contract
These Values are endorsed upon the
Policy.
Examples.
A fifteen payment life policy, issued at 10
for : u, 900 annual premium, S372.0O0. Alter
Eve premiums have heeu paid. he cash surren-
der paiHs, MS ixed BY the law Of Massachusetts
is Sl,0l5.50. The paid up raiae, 50, $4,000.
A twenty-plyment life policy, age 80 for
~ 200, annual premium s3l4.GOO. After
A.. ~
def patae IS el'so2 80. The pad up patue,
S4'1sV 90
A forty, ear endowment, age 80. Tor Sl0,-
900 annual premium $3.50 % After ten pre-
NUNS nave oeen Raid, n5 casa surrender
oso 80 w ~ t.''a ~ s1shsi %
- 80, W. faeisu y, ia na'e
AZ Rs'u ~ s ~. e. 10 e of''oi
nv lug DA'" ~ 1'"' 9oi ''0'9V
The life insurance com lapies of other
49, -. -.-.
seeCss ale nOV suDlece " slls AAW' even
IN their Massachusetts business
M,4u,I
n IT.. no,;.r be,lsr' .o,s,;,s,a ,ho c,,..
pany own ia esssis. and h.. fi.ers az tbeir
own choice. manage its 4ff,ir
At "a Ts,t.,,4..
10 Market yai,,c az essr's .1anT',sa
exceeds their cost by IS s5I.sgi 90
rh hs INSURANCE IN ioree is45 e ~
The liabilities. I2,I56, s97.OO
The surplus. Mass standard l.s9s.7o5,32
Cost OF INSURANCE reduced to
minimum
man, ~ snS NV smsre ~
lection Of he best risks. and The nav
ment of legally defined cash values
=, sPAa'
IS Aseo.e,ng 70 lue I'g'u liVur per cent?
STANDARD OF, o y essAchuses,s, II hoiss
si'io' iof every 9''poV VI N4o'h'y.
!. ~ 49, Dlviaen ~ Is -
every subsequent annual premium 1t makes a
DIVIDEND OF suRpLus-to every policy holder
the part he has himself contributed. The
dividends may be applied at the option of the
insured either to reduce the annual premium
or to purchase additional insurance. PAID
UP Policies share in the annual diyi-
dends vs,
20 (. -, 80 ,.s .
~ y issues ne poilcies, aua term
po.s, my onp ~ uea'ni auu en-
w" naon' poi,oiss, ply aote ailei ueslg-
maui telu " yea'S' VI a. uea'n II prior 10 tue
'uu u suou 's' :"
fayment OF PREMIUMS
= /. R'ses tne hoiqep o. polisy We oP,lon
9ai P5."s ~ - DY sansie Pay,nent OF
W y equAi aunoai pay "ieu'ai eitner iof
Vsi III VI ''Ais VI WI '"s
Limits Of Risk