Year: 1866

ITS DIRECTS AND AIMS-One OF the
most important objects man can have In
this world is to make sure his family will
be provided for when he is taken away, and
that they shall not be left homeless wan
dersrs, having to get their living by toll or
charity.


To enable you and every man to effect
that, is at once the great aim, object, and
pride of the institution of Life Insurance, and
you effect it the moment you take policy
on your life, in favor of your family.


Creditors cannot attach it,-reverses in
fortune cannot deprive you or your family
of it.


Life is proverbially uncertain. Every
man must die. No man can say that he will
live another year.


Fortune is proverbially fckle-reverses
come suddenly, when most unlocked for
even to the most prosperous. All business
men are subject to them and then in case
of death Of the head of the family, who is
to provide for its future wants and how
we'll adapted Life Policy is to meet just
such contingency!


Life Insurance effected by every man,
there would be but few poor widows, or des
titute orphans, friendless boys, to be batter.
cd by the cold world, and daughters to be
killed by work, or ruined by wickedness
there would be no need for poor-houses, and
want and crime would in great measure
be prevented.


It lis accomplishing, and is destined to &C.
complish the greatest possible good to socie
ty, and is one of the best and most bene6.
cent institutions of the age.


Benjamin franklin, noted for his wisdom
and prudence, gave bright illustration Of
his foresight and discernmeut when nearly
enc hundred years ago he thus wrote Of
Life Insurance :-"A Policy Of Life Issu
rance IS the Best and Safest Provision
which a Man can make for has Family"


It's BASIS AND PRINc1pLEs.-Life Insu.
rance is based upon principles established
by nearly two hundred years experience
and observation. The average duration Of
life has thus been definitely determined
and, with the science of interest forms q
sure basis for the calculations of companies
efeeting insurance upon life. In considera
ton of the receipt of the premiums, they
are enabled to guarantee the payment of 6
stipulated sum at a stipulated age, or at the
death of the party insured.


Death is sure to occur, and though the
time when in reference to each individual
is wholly unknown, yet the average time Of
large number, may be ascertained with al
most prophetic or mathematical certainty,
and tables formed which are entirely reli
able.


Life Insurance is simply an investment Of
q certain sum steadily by the person insured
to be applied for the benefit of bis loved
ones after his decease, which investment is
sure to be returned to them at time wheu
it will be the most needed. When large
numbers of persons unite together for thi'
purpose, each one is enabled to receive biz
proportion of the total average benefit o.
such annual investment, no matter when be
may be taken away, so that those who dc
not live their average time shall be shsrer:
in the good fortune of those who exceed it
It is this feature which makes Life lnsa,
rance so much more desirable than accumu
lations by means of savings banks. By il
is secured to the family of the individual
the value of his future labors for the aver.
age duration Of life, even should he die the
next dag. The amount of this value will be