Maryland independent. [volume] (Port Tobacco, Md.) 1874-current, 1898-06-10
rfvnE STATE aUfUAL MRE
4 ASSURANCE L0MPANf
OF
W0RCES TER, MASSACHUSETTS
Was organized il lsi5 under a Perpetual
Charter from this Commonwealth,
granted 10 1874

WOkCES TER, MA5SACHuSE
Was organized in 1916 under Perpetual
Charter from this Commonwealth,
granted 10 1874.
1T INVITES
The attention Of those intending to insure, to
the following
FACTS:
No Massachusetts Life Insurance
Company ever failed This Company
has never suffered any reverses
Management.
| ls management Is conservative and en-.
ergetic.
Cash.
10 eondseis ito business on a strictly CASH
basis Both premiums and policies are paJ-
able in cash.
Economy.
1t adheres 10 the strictesi EcosoNy. fSee
Massachusetts, Insurance Commissioner
Reports
Risks
Il never Intentionally iusares an impaired
file.
Death Rate.
II has experienced death rate below the
average in American companiesi-25 per cent.
less than the tabslar rate
Investnaents.
Its investments are all legally pro6tabiy
and safely made
i Interest.
The INTEREST realized on lis invested
fsads paid all its death claims for ~ years.
Policy.
0 The policy is free from all unnecessary
conditions and restrictions. 1t is a simple
contract promising 90 much insurance for 90
many premiums, and is absolutely ineontes-
table after two years.
Non-Forfciture.
Cash Values: Paid Up Values;
10 ALL ITS POLICIES ARE PROTECTED FROM
FoRFEIruRE BY statute Of the State
The cash value OF every policy, for every
year, after the first from It's issue to its ma
turity, is fired By the laws Of he Common
wedlh. II policy lapses tor nou-payment Of
premium, after two have been paid, the law
without requiring the Injured TO take
any action or to give any notice, fixes
its values at the tine Of the lapse, and secures
the SAME to the insured either in cash at once,
or in paid up insurance to be received by the
policy holder Mt the time stipulated in the
original contract
These Values are endorsed upon the
Policy.
Examples.
A fifteen payment life policy, issued at 30,
for SO 900, annual premium, S3T2.0O0 After
ave premiums have neen paid, he cash sarrea-
deT palue as fixed by the Law Of Massachusetts,
is Sl,Ol5.5O. The paid up 0aias, 50, $4,000.
A twenty-payment life policy, age 30 for
SIC, 900, annual premium $4,000. After
ten premiums have been paid, tie cash surrsa-
der edias is 81, 1902 90. The paid Up ralae,
81. 7s0 90.
A fortf-yesr endowment, age 80, for Sle,-
900 annual premium %259.0O After ten pre-
minus have been paid, the cash surrender
ualu, Is 81, 1872 90. The paid Up ralae, So.
92s 90. After TWENTY-FIVE premiums have
been I.~,d, fs eesk s.rr-,saer s..i,.- Is 81 SAL
40. The paid up talus So, s5OoO
The life insurance com panies of other
states are not subject to this law, even
iu their Massachusetts, business
Mutual.
II The policy holders constitute the Com
pauy, ovn its assets, and by Ulcers Of their
own choice, manage its affairs.
Assets and Liabilities.
/ 12 Market value of assets Jan 1. 1888,
The insurance in force IS 6s.95s,Is3.0o
/ The assets are I3,455 500 81
| The liabilities, 1856 $1,000
The surplus. Mass Standard 1.29s.793,s2
Cost Of Insurance reduced to a
minimum
| 10 This is secured by inexpensive manage
ment, safe and profitable Investments, the Sc
lection Of the best risks. and the pay
ment Of legally defined cash values.
Surplus.
] IA According to the rigid (tour per cent. J
standard Of Massachusetts, It holds
si,l07 for every 5000 Of liability.
Dividends.
Is On the payment Of the second and Of
every subsequent snnusl premium 1t makes q
5tyIDExp OF SURPLUS 10 every policy holder
be part he has himself contributed. Tie
iyideuds may be applied at the option Of the
Ensured either to reduce the annual premium
r to purchase additional Insurance PAID
MP Policies share in the annuqi diyi-
ends.
IS It issuts life policies, and term
DIiees, s,able only at death; and en-
DWment Policies, payable after desig.
tied term OF years, or at death if prior to ths
d Of such term.
PAYMENT Of Premiums.
H. Il owes the holder of a poliey lie ontior
having far NH By a SINGLE payrnent d
IA{ By souaI ANIMAL naymeuis either for
YIN II wears or for life.
y....eD
al Lihits VI hisA
q is Tue largest risk taken on mans life j
$50, 900 the smallest on any life, $1,000
Women ale insured for Il limited amount up
~ a. as ne annl,cso, Se,ern;nes tbe :.
', nraSinn Tx 6rst dividend i ava vi III
: uben the second premium ia maid
:. - -
: Death Claims
: This company pays death claims as soon a
: proofs OF death are received and approved; a