Waterbury evening Democrat., 1906-12-22

nearly per respectively at age 40 the And in comparing these tables with our present Whole Life
 tables (and with those of most of the other Industrial
 for payment of premium during the whole e while
 our new tables payment of premiums ceases at age 75
 We have increased the immediate benefits under all of these policies in accordance with the to halfbenets during the first six months and full bene fits thereafter
 We have introduced policies new features in the way of surrender values Padup policies will be ed after three instead after three at the option of the hode and
 will be paid after ten The policies will be in and attractive fors with three instead of two to set forth all of the concessions making the rights of
 the so plain that any one will be able to tell what he is entitled to- And the whole contract will be in the policy doing entirely with the necessity copy or the using the form in this respect ssoO Ordinary Department.
 One of the striking Armstrong nvestga-
 on was the adoption of provision restricting for esng well complimentary to the Metropolitan the fact which in the the time of the adoption of the and bills that this restriction by law justified by the experience this Company the matter of expense as shown by analysis of its annual reports
 limit prescribed by the statute. penal one and we cannot risk of overrunning the limit of reduction will be much than that the companies issuing participating policies This Company policies In fact in the true of the term We not issued other for nearly fifteen yeas explained, the Intermediate and Special Class policies based upon nonparcpating loading and the div dends promised earned expected to be derived from
 little experience to guide us The Intermediate policies were based upon Industrial table mortality designed for Industrial risks who could afford annual instead of weekly premius and the mortality of such be oretod The Special Class policies for subandard risks to which the mortality could not be accurately dcted What undertook do pay policy holders the gain from improvement mortality expected should be actually experienced As participating policies based higher socaed mutual loading of which dividends expected to be earned claim that Intermediate and Special Glass policies based upon loading in principle nonparticipang All of other policies in the Ordinary Department by their participating The law has justified in the principles adopted fifteen to-day the Armstrong the similar prepared for other States the Metropolitan principles in which you have been trained We experience of Intermediate Special Class
 risks which enable nOnpartcipatng tables The tables of premiums these policies heretofore completely readjused We think you will lind them tractive.
 We realize that we shall henceorth have more competition nonparcpang policies Other companieshave their purpose restrict their this have therefore thought 1t in interest well in the interest of the pubc which is to boh
 part of the reduction of commission effect reduction of premium New tables have been prepared which think will be attractive customers which therefore will be thought only just the Superinendens in them which compelled withdraw and which remember the promised time restore when should be able it. And by giving them agents realize that the duties of Superntendents include the instruction and training of Industrial agents in the work of the Ordinary Department We want all of agents Assistants imposed upon duty the supervision constant help and the education their agents. We have made 1t an interest as we'll duty
 policies will be found attractive and vantages give and which @ right The