The Cairo bulletin. (Cairo, Ill.) 1???-1928, 1906-12-28

tabesncrcas ng ana Endowment policies Twenty
year Endowments forming very large proportion some
per cent Of our total business One disadvantage
of this table has been that largely increased the
Our chdens Increasing Life and Endowment policies have
been endowments payable after periods Of II and
wards according to age issue Compared with the Whole Life
aoeS Esued by oher companies hese nave made necessary
the accumulation Of increase of millions of dollars in
reserve Unhinkink to the conclusion that this
nes up me wealth OF me Cmpany forgetting hat along win
the increase of the increase Of liabilities and that
peey overlooking the remarkable fact that have deiber
lately kept down surplus to about ten per cent of
Ito the pocyhollers who contributed it, Public opinion
ments We are in business to please the public We have
good deal OF evidence that Ordinary Life and Limited Pay
ment Life thought preferable We
have therefore and
Endowment policies which designed the public
first tables scientifically constructed for Industrial policies
tracts bu we mink that as TO hese there are signs OF oeIe
the OF the public that OF premiums ought 10
matheat elan is sefevden that in He insurance the com
panes are enabled TO the policies in full lives of those
The annarnt arIstin "I t5oge gbo i've Ion - nIy m
.ne % up upon nus WI" ons - pnS "lt
fe insurance However is possible of make tables
for limited payments and the problem is therefore to fix an age
that shall be young he premiums
is the in Indus trial where the unit the
premium and nor the amount Of insurance. to reduce the ben
fits undu and the other hand fix the not old that
the benefits Of the limits of payment Of premium shall be lost
we nave hNed age % as the limit OF payment OF premiums
because at that enabled TO only slightly reduce the
complaints Of the necessity OF paying premiums up TO taat
And TO the occasional complaint that people live
10 sutA ou age we may answer tud III l3Vo we sud4 nave
voluntarily matter Of paid about 200 claims En-
policies Whole Life persons reaching
age 50 after paying premiums for Is years over
table Of benefits principles
Whole Life instead of Endowmens mortality
instead of Old loading prOporOned reduced
and the payment Of premiums ceang after To-
we shall put forth for 1907 tables in the Industrial
department which better than has heretofore
issued better than have before this felt ii safe e
issue
The striking change is in the Infanie table because
there substitute Life tables with Of premiums linn
tied comparatively short Increasing Endowment
tables therefore enabled to in benefits
what have been compelled hold liability
he endowment features,
nfantle tables will nearly in death
benefits weekly premium of five cents have hereto
paid weekly premium of 1t
lersood that the maximum OF benefits payable
children this exceed We have therefore ncreas
benefits the later persistence Thus
entry the benefits in of death nine is $7j,
while the three entry dying nine $G
the benefits entry dying nine is $Gj
premiums paid those earlier
when death the II follows from this large
Of benefits that hereafter policy will
the Inanle ablcs total premium Of
han And desire for less insurance,
pecay families have table with prOporiouate
benefits for weekly premium Of three cents
Adult show increase Of benefits for the
based strictly upon tables OF mortality At
1912 Life table and n
Increasing Life and Endowment II
table the increase and
respectively 30 the increase six
and nearly 20 cent respectively 40 the in Il
- respectively and
tables those Of Of the other Industrial eompanies