Langley's San Francisco directory for the year commencing 1893, Part 374

Author:
Publication date: 1880
Publisher: San Francisco : Francis, Valentine & Co.
Number of Pages: 1788

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1510

SAN FRANCISCO DIRECTORY.

THE

State Investment and Insurance Co

OF SAN FRANCISCO, CAL.

INCORPORATED 1871.

Amount of Capital Stock paid up in Cash, $400,00

GEO. L. BRANDER, - President CHAS. M. BLAIR, - - Secretary

Principal Office in Company's Building,

Nos. 218 and 220 Sansome Street

San Francisco, Cal.

1511

INSURANCE DEPARTMENT.

H. M. NEWHALL & CO., SHIPPING AND COMMISSION MERCHANTS, - AND

GENERAL INSURANCE AGENTS, 309-311 SANSOME STREET.

GENERAL AGENTS FOR NATIONAL

ASSURANCE COMPANY OF IRELAND.

CAPITAL

$5,000,000.

ATLAS ASSURANCE COMPANY OF LONDON.

CAPITAL

$6,000,000.

BOYLSTON INSURANCE COMPANY OF BOSTON.

CAPITAL

$557,200.

OCEAN MARINE INSURANCE COMPANY (Limited) OF LONDON, ENGLAND.

CAPITAL

$5,000,000.

1512

SAN FRANCISCO DIRECTORY.

Aggregate Indemnity over $60,000,000.

CONNECTICUT FIRE INSURANCE CO.

QUEEN INSURANCE CO.

BOYD & DICKSON, Agents

501 Montgomery Street.

ROYAL EXCHANGE ASSURANCE.

Established 1720.

NATHAN & KINGSTON, Agents. 401 Montgomery Street

General Offices: N. W. Cor. California and Montgomery Streets, SAN FRANCISCO. ROBERT DICKSON, Manager.

Solid Fire Assets,

Cash Capital,

$10,915,829 63

4.000,000 00

LARGEST INSURANCE COMPANY IN AMERICA. NONE BETTER IN THE WORLD.

$3,782,600 00 Paid in a Single Fire at Chicago

$1,600,000 00 - Paid in a Single Fire at Boston

LOSSES PAID IN 74 YEARS, $70,233,000 00.

INSURE WITH

THE

ÆTNA

OF HARTFORD CONN.

THE LARGEST CAPITAL! THE LARGEST ASSETS THE LARGEST SURPLUS OF ANY AMERICAN CO.

GEO. C. BOARDMAN, Gen'l Agent.

T. E. POPE, Ass't Gen'l Agent

LOUIS MEL, Special Agent and Adjuster. E. C. MORRISON, Special Agent and Adjuster.

No. 514 California Street, SAN FRANCISCO, CAL.

INSURANCE DEPARTMENT.

1513

E.W.CARPENTER GENERAL AGENT

CASH ASSETS $50,000,000.00

ROYAL

NORWICH

AND

UNION+

LIVERPOOL, Wie ENGLAND

INSURANCE COMPANIES OF W NORWICH. ENGLAND.

HEAD OFFICE: N. E. COR. MONTGOMERY AND SACRAMENTO STREETS.

HELVETIA SWISS FIRE INSURANCE CO.

OF ST. GALL.

Capital Subscribed and Guaranteed, $2,000,000

Swiss Marine Insurance Cos. Combined. Capital Subscribed and Guaranteed, $4,000,000

HARRY W. SYZ, General Agent,

410 California Street, San Francisco.

189

1845.

UNPARALLELED RECORD OF THE Mutual Benefit Life

INSURANCE CO. OF NEWARK, N. J.

AMZI DODD, PRESIDENT.

Assets, $51,395,903.5 Jan. 1, 1893,

Cash Dividends Paid Policyholders, - $42,007,784.2

Annual Distribution of Surplus.

PAYS THE LARGEST AVERAGE DIVIDENDS OF ANY COMPAN Dividends are Payable at the end of the First and Each Succeeding Year.

AFTER SECOND YEAR

All Policies ABSOLUTELY NON-FORFEITABLE and INCONTESTABLE A Dollar's Worth of Insurance for Every Dolla

Members unable to Continue Payments do not forfeit their Policies.

Insurance Continued for FULL AMOUNT until FULL VALUE Policy is Exhausted.

See Specimen Policy,' Premium Rates and Strong Points on Following Pag

THE BEST CONTRACT EVER OFFERED.

Solicitors, Male and Female, Desired in City and Country.

JAS. MUNSELL, JR., Manager, 415 Montgomery St., San Francisco. 1514

he Mutual Benefit Life Insurance Co. OF NEWARK, N. J.

In a mutual life insurance company, every dollar saved in expenses is a dollar ded to dividends, and a dollar saved in the actual cost of insurance. By ference to the following pages it will be seen that The Mutual Benefit is nspicuous for its economical management and for the magnitude of its vidends. The past record of the Company, taken together with the unequaled erality of its policy contract and its unsurpassed reputation for fair dealing th its members, prove that the Mutual Benefit furnishes the best insurance at e lowest cost price. The policies of The Mutual Benefit are liberal in every gard; there is no limit of travel, residence or occupation, after two years. ter the same period the policy is absolutely incontestable, except for n-payment of premium. It, in fact, does precisely what it claims to do- sures a man's life without quibble or chance for it. Of equal, if it still greater importance is the question of surrender value, or how a an will be treated by a company when he surrenders his policy or ceases yment on it. The Mutual Benefit gives to such a man the full value his policy computed by the highest standard, either by extending the full nount of the policy for such time as the value will pay for, or to the purchase a paid-up policy. It is the only company which does this.

The Mutual Benefit Life Insurance Company is also extremely liberal the payment of cash values to those who desire to discontinue their surance, and loans in cash upon its policies up to 50 per cent of their lue where valid assignments of the policies can be made as collateral curity. In economy of management, in largeness of dividends, in the erality of policy, in absolute non-forfeiture and in fair dealing with embers, it is excelled by no company, and furnishes all that can be rnished by any Life Insurance Company.

The Most Liberal Advantages Secured by Contract in Policy.

All kinds of Approved Policies issued on the Life, Endowment, Accelerative Endowment, Modified dowment, and Optional Endowment Plans, ou lives between the ages of 14 and 70 years, for any amount m $500 to $25,000. Also Annuities, Present and Deferred. Dividends Declared Annually to licyholders. Cash loans made to the extent of one-half the Value of Policy. Claims paid medlately on completion and approval of proofs. No entrance fee. No fee for Medical mination.

For Estimates, Specimen Tables, etc., send your name, address, age, kind of policy and amount ired, and a statement will be mailed, showing the cost and advantages of the same.

See Specimen Policy and Premium Rates on following pages.

JAMES MUNSELL, JR., Manager, 415 Montgomery St., San Francisco.

1515

The Mutual Benefit Life Insurance Go. of Newark, N.

Paid Policyholders Since Organization in 1845:

Policy Claims.

$66,126,595

Surrendered Policies.

16,424,343

Dividends.

42,007,784

Total.

$124,558, 722

Present Assets

51, 395, 903

Total Cash Benefit to Members.

$175,954,626

Amount Received from Members (Premiums)

146,207, 256

Amount of Benefit to Members above Amount Received.

$29,747,369

Total Amount of Insurance in force Jan. 1893. $195,698,088

The Mutual Benefit Life Insurance Company is particularly noted for four thir of the very greatest importance to insurers.

1. It has been, and is the most economically managed Company.

2. It has paid, and does pay the largest average dividends.

3. It has furnished, and still does furnish the cheapest insurance.

1 It has held its membership better than any other Company.

1. ECONOMY.

2. DIVIDENDS.

TABLE SHOWING THE RELATIVE STANDING OF THE VARIOUS COMPAN]

For the past Eleven Years (1881-1891).

1892

COMPANIES.

Premiums Received (11 years).

Dividends Paid Policyholders (11 years).

Ratio of Expenses (including Taxes) to

Mean Am't Insured.

Income.

Ratio of Dividends to Premiums

Total Dividen Paid il 1892

Mutual Benefit, N. J.

$53,537,967

$13,749,948

.61

12.7

25.7

$1,597,2

Connecticut Mut., Conn ...

50,978,662

13,061,487

.67

13.4

25.6

1,223,59€

New England Mut., Mass ..

24,982,601

5,705,598

.66

14.0

22.8

581,05:

Penn Mutual, Penn.

25,283,153

4,778,434

.95

18.4

18.9

732,18

Ætna, Conn.

34,847,594

6,229,925

.74

14.4

17.9

678,35

Northwestern, Wis.

57,225,522

9,818,254

.88

17.8

17.2

1,139,88

In all other Companies expense of management was greater and dividends were less.

3. COST OF INSURANCE,

As shown by examples of five similar life policies in five different Companies.

NAME OF COMPANY.

Number of Policy.

Total Premiums (7 years),

Total Dividends (7 years) .

Net cos (7 years

Mutual Benefit, New Jersey

127,278

$3,112 20

$612 90

$2,499 3

Mutual Life, New York.

271,785

3,248 00

645 80

2,602 2

Connecticut Mutual, Conn.

175 380

3,049 20

397 70

2,651 2

Penn Mutual, Penn.

40,765

3,234 00

589 30

2,644 7

Provident Life and Trust.

26,040

3,150 00

431 10

2,718 9

PER CENT.

In other Companies cost of insurance was greater.

JAMES MUNSELL, JR., Manager, 415 Montgomery St., San Francisco

1516

2 C The Mutual Benefit Life Insurance Co. of Newark, N. J. 4. ADHERENCE OF MEMBERSHIP.

1 The following table from sworn state- ments and official sources proves the great popularity of the Mutual Benefit as compared with other companies:

NAME OF COMPANY.

Policies in torce

at the end of

1871, and whole

number since

to be in force

by surrender,

lapse and " not

ated to each Number termin-

1,000 in force.

Mutual Benefit.

136,207

44,025

328

Prov. Life & Trust, Pa 43,909

16,092 365

Mass. Mutual

59,573 24,314

422

Penn Mutual.

63,747 127,643

431

Mutual Life.

385,305 66,716

433

Germania ..

74,533

33,255

443

Ætna ..

185,460 182,337

445

New York Life

346,910 55,399

448

Travelers'.

57,635

26,099

451

Conn. Mutual

143,569

65,173

452

National

42,943

19,439

452

Northwestern.

196,893

90,947

462

New Eng. Mutual.

69,993 133,971

485

Equitable.

403,752

98,527

491

Manhattan.

53,029

27,198

513

Home ....

40,153

22,844 571

Berkshire.

28,320

16,112

575

Conn. General.

20,524 12,246

583

Union Central

76,953

45,316

588

Phonix

89,659

53,307

592

Washington

59,726

37,079

618

United States

52,351 33,639

646

Union Mutual

76,216 51,010

671

Brooklyn ..

23,169 17,865 776

tatements Showing Dividends, Cost of Insurance, Present Value, etc., of Policies Issued at

· 1845. GILES B. KELLOGG insured at Troy, N. Y., policy No. 1,142, age 37, for $1,000, annual Various Times Since the Organization of this Company.

remium $29. Total premiums to date, $1,392, and total dividends, $762.99; making a net cost of 3629.01. The Company would now extend Mr. Kellogg's insurance for four years and eight days without further payment, thus giving over fifty-two years' insurance at an average cost of $12.05 her year. The Company will now give $820.88 in cash for the surrender of the policy.

remium, $128.50. Total premiums to date $4,883, and total dividends $1,358.90, making a net cost r $2,524.10. The Company would now extend Mr. Weeks' insurance nine years and eighty-one days from December 1, 1893, thus giving over forty-seven years' insurance at an average annual cost f $10.74 per thousand, or a cash surrender value of $2793.44, or a paid-up policy for $3,855.00 would be

1865. CHRISTOPHER C. BRADLEY, JR. insured at Syracuse, N. Y., policy No. 30,856, age 31, for

15,000, annual premium $121.50. Total premiums to date $3,523.50, and total dividends $1,328.41, naking a net cost of $2,195.09. The Company would now extend Mr. Bradley's insurance twelve ears and three hundred and thirty six days, thus giving nearly forty-two years' insurance at an verage annual cost of $10.47 per thousand. The value of the policy in paid-up insurance is 3,180, and the cash surrender value $1,761.78.

1875. Hon. GROVER CLEVELAND insured st Buffalo, N. Y., policy No. 81,166, age 38, for $5,000,

nnual premium $143.70. Total premiums to date $2,730.30, and total dividende $702.35, making a net thirty years' insurance nt an average ost of $2,027.95. The Company would now extend Mr. Cleveland's insurance eleven years and three undred and six days, thus giving over anual cost of $13.15 per thousand, or the Company would now allow & paid-up policy of $2,525, r & cash surrender value of $1.291.87.

1885. FOREST H. WILLIAMS insured at Rochester, N. Y., policy No. 125,635, age 46, for $2,000, nnual premium $78. Total premiums to date $624, and total dividends $126.78, making a net cost f $497.22. The Company will now extend Mr. Williams' insurance seven years and two hundred and ix days, thus giving nearly sixteen years' insurance at an average annual cost of 115.97 per thousand, or they will allow a paid-up policy of $548, or a cash surrender value of $239.54.

1888. Mr. HENRY D. APPLETON insured at Albany, N. Y., policy No. 146,239, age 30, for $3, 000, nnual premium $111.80. Total premiume to date $559, and total dividends $102.10, making a net cost of $456.90. The Company will now extend Mr, Appleton's insurance four years and two hundred nd sixty-one days without further payment, thus giving nearly ten years' insurance at an verage annual cost of $9.40 per thousand, or allow & paid-up policy for $585.

NOTE .- In some of the above cases the Company has made loans on the policies, which would have be paid off before the full value named could be allowed.

1517

ceased

issued. Number

taken."

1855. JOHN WEEKS insured at Buffalo, N. Y., policy No. 10,852, age 33, for $5,000, annual

llowed if desired

(SPECIMEN POLICY-1st Page. See 2d Pages following.)

Continuous Life-Self.

[EDITION OF DECEMBER, 18

...

....

(INCORPORATED BY THE STATE OF NEW JERSEY. )

No, 000,000. This Policy Witnesseth $10,00

THAT

THE MUTUAL BENEFIT LIFE INSURANCE COMPANY,

Age 40 in consideration of the statements and agreements in t. application for this Policy, which are hereby made a part this contract, and of the sum of Three Hundred and Eig dollars and Forty cents, to it in hand paid by John Jones al -- Annual of the - Annual Premium of Three Hundred and Eig dollars and Forty cents, to be paid at or before twel Premium, o'clock, M., on the First day of January in every year durii $308.40 the continuance of this Policy, Does Insure the life John Jones of Newark in the County of Essex, State of Ne Jersey in the amount of Ten Thousand dollars, for the ter of Life, payable to John Jones, his executors, administrators or assigns, at i office in the City of Newark, New Jersey, upon due and satisfactory proof 'Interest and of the death of the said Insured, deducting therefrom : indebtedness of the party to the Company, together with the balance, if an of the then current year's Premium. .

Provided, that in case the said Premiums shall not be paid on or befo the several days hereinbefore mentioned for the payment thereof, at the office the Company in the City of Newark, or to Agents when they produce receip signed by the President or Treasurer, then, and in every such case, this Poli shall cease and determine, subject to the provisions of the Company NONFORFEITURE SYSTEM as indorsed hereon, wit accompanying table.

This Policy does not take effect until the first Premium shall have bee actually paid; nor are Agents authorized to make, alter or discharge this or ar other contract in relation to the matter of this insurance, or to waive an forfeiture hereof, or to grant permits, or to receive for the cash due for Premiun anything but cash. Any error made in understating the age of the Insured, wi be adjusted by paying such amount as the Premiums paid would purchase at tl table rate.

No assignment of this Policy shall take effect until written notice thered shall have been given to the Company.

This Policy, while in force, will participate annually in th Company's distributions of surplus, and, after two years, wi be INCONTESTABLE, except for non-payment of Premiun

IN WITNESS. WHEREOF, the said The Mutual Benef Life Insurance Company has, by its President al Secretary, signed and delivered this Contract, at the City Newark, in the State of New Jersey, this First day of Januar one thousand eight hundred and ninety.

EDWARD L. DOBBINS, Secretary. (Form 1.)

AMZI DODD, Presiden

1518

Specimen Pollcy-2d Page.

LIFE POLICY-AGE 40, $10,000, PREMIUM $308.40.

The Mutual Benefit Life Insurance Co. of Newark, N. J.

NON-FORFEITURE PROVISIONS.

WHEN AFTER TWO FULL ANNUAL PREMIUMS shall have been paid on is policy it shall cease or become void solely by the non-payment of any 'remium when due, its entire net reserve, by the American Experience Mortality nd interest at four per cent yearly, less any indebtedness to the Company on this 'olicy, shall be applied by the Company as a Single Premium at the Company's ites published and in force at this date, either, first, to the purchase of non- articipating term insurance for the full amount insured by this policy, or, second, pon the written application by the owner of this Policy and the surrender iereof to the Company at Newark within three months from such non-payment f Premium, to the purchase of a non-participating Paid-up Policy, payable at the me this Policy would be payable if continued in force. Both kinds of insurance oresaid will be subject to the same conditions, except as to payment of Premiums, s those of this Policy. No part, however, of such term insurance shall be due or ayable unless satisfactory proofs of death be furnished to the Company within ne year after death; and if death shall occur within three years after such non- ayment of premium, and during such term of insurance, there shall be deducted om the amount payable the sum of all the Premiums that would have become ue on this Policy if it had continued in force.

THE FOLLOWING TABLE

hows the amount that the Company agrees to loan (being one-half of the reserve) pon a satisfactory assignment of the Policy as collateral security; also the iditional time for which the insurance will be continued in full force after lapse y non-payment of premium; or the value of the Policy in Paid-up Insurance pon surrender within three months from date of lapse.

The figures given are based upon the assumption that the premiums (less current ividends) have been fully paid in cash. If there be any indebtedness upon the olicy, the values as stated in the table would have to be reduced proportionally pon the principles stated in the Policy. The indebtedness, if any, may be paid fin cash, in which case the figures in the table will apply.

Number of Years' Premiums Paid

Company Will

Extended Issuance.

Paid-Up Policy

Years

Days

2 23

$140

137

$620

210

206

920

290

262

1,230

360

293

1,530

440

289

1.830

530

243

2,120

610

160

2,410

790

335

3,250

970

166

3,520

1,060

268

3,780

1.160

343

4,040

1,260

1,760

362

5,490

2.250

6,380

2.750

306

7,160

3,210

142

7,770

3,670

282

8,270

700

:15

2,700

2:35

2,980

4,290

Cash loans not made for less than fifty dollars.

emlum Rates for kinds Life Risks Furnished, Payable Annually, Semi-Annually or Quarterly, in Cash, or a Portion by a Loan Certificate.

1519

IN CASE OF LAPSE OF POLICY

(Specimen Convertible Policy-2d Page. )

20 YEAR ENDOWMENT, AGE 40 .- $10,000 .- PREMIUM, $518.50.

The Mutual Benefit Life Insurance Co. of Newark, N.

NON-FORFEITURE PROVISIONS.

WHEN AFTER TWO FULL ANNUAL PREMIUMS shall have been paid on this Policy it shall cease become void solely by the non-payment of any Premium when due, the entire net reserve value of the Policy B Dividend Additions, by the American Experience Mortality and intereat at four per cent yearly, less a indebtedness to the Company on this Policy, shall be applied by the Company as & Single Premium at 1 Company's rates published and in force at this date, either, first, to the purchase of non-participating te insurance for the full amount insured by this Policy, or, second, upon the written application by the owi of this Policy and the surrender thereof to the Company at Newark within three months from such non-paym of Premium, to the purchase of a non-participating Paid-up Policy payable at the time this Policy would payable if continued in force. Both kinds of insurance aforesaid will be subject to the same conditions, exci as to payment of Premiums, as those of this Policy. No part, however, of such term insurance shall be due payable unless satisfactory proofs of death be furnished to the Company within one year after death; and death shall occur within three years after such non-payment of Premium, and during such term of insuran there shall be deducted from the amount payable the sum of all the Premiums that would have become due this Policy if it had continued in force. If the reserve be more than enough to purchase temporary insurance aforesaid to the end of the endowment term, the excess shall be applied to the purchase of pure endowme insurance, payable at the end of the term if the Insured be then living.

After two full years' Premiums shall have been paid, the Company will, on surrender of this Policy ft receipted while in force or within three months from time of lapse, allow as a Cash Surrender Value for the 881 a sum not less than the full reserve value of the Policy, exclusive of Dividend Additions, computed by above-named standard, deducting therefrom any indebtedness to the Company on this Policy; AND, at the € of the TENTH policy year, or at the end of any succeeding FIVE year period, if the Policy be then in force, a if it be surrendered fully receipted within thirty days from such times the Company will increase 1 Guaranteed Cash Surrender Value by the ENTIRE reserve value of all existing Dividend Additions.

THE FOLLOWING TABLE

Shows the minimum values of the Policy under the several options granted by the Company :

1st Option. - Cash Surrender Value.

2d Option. - Amount that may be borrowed from the Company on the Policy.

3d Option. - Extended Insurance for full amount of Policy, and Cash Endowment (if any) pays at end of Policy term.

4th Option. - Paid-up Policy Value.

Number of Years' Prem's Paid.

Guaranteed Cash Surrender Value.

Increase in Guaranteed Cash Surrender Value for each $100 of Existing Dividend Additions.

Company Will Loan

Years.

Days.

Cash Payable at End of En- dowment, if Party Lives.

Paid-up Policy.

$644 10

$320

261

$1,080

987 50

490

221

1,610

1,346 00

670

108

2,130

1,720 10

860

256

2,650

2,110 90

1,060

$530

3,150

2,944 90

1,470

2,220

4,150

3,390 00

1,700

3,010

4,630

3,855 10

$69 65

1,930

3,760

5,110

4,341 30

2,170

4,480

5.580

4,850 00

2,430

5,160

6,040

5,383 00

2.690

5,810

6,500

5,942 00

2,970

6.430

6,950

6,529 30

3,260

7,010

7,390

7.147 50

3,570

7,660

7,900

7.799 70

3,900

8,280

8,120

8,489 40

4,240

8,880

8,940

9,221 20

4.610

1 '

9,450

9,470

10.010 00

100 00

5,000

10,000

to the sum insured, with probable increased

first year's Dividend would add about $150.00

1520

1,390

3,660

2.518 80

1,260

additions in subsequent years.

IN CASE OF LAPSE OF POLICY.

Extended Insurance.

82 86

THE MUTUAL BENEFIT LIFE INSURANCE CO. OF NEWARK, N. J.

DON'T!

If any Company asks your to agree to forego dividends for many years and to rfelt all right to them In case of death or lapse-DON'T!

If any Company asks you to take a policy which appears to offer a big ivestment if you live, and to charge ' you nothing for your insurance in the eantime-DON'T ! You may rely upon it that the Company don't intend to se money on Its contracts, and if the policy seems to be worth more than its cost, it is nly because you don't understand It as well as the Company does.

DON'T attach too much importance to ESTIMATES ! It is easy to make big stimates when they cannot be checked off by actual results for twenty years to come.

COMPARISON of a 20 PREMIUM 20 YEAR DISTRIBUTION LIFE Policy in the [UTUAL LIFE Insurance Company of New York, with a 20 PREMIUM LIFE CONVERTIBLE) Policy in the MUTUAL BENEFIT. Age of Insured, 32 years. t is assumed that the Mutual Benefit's Dividends will be on the same scale as lose now being paid.

Mutual Life.

Mutual Benefit.

anual Premium mount Insured

1st year

10.000 00

10,300 00

5th

10,000 00

10,980 00

.€

10th

10,000 00

11,930 00

2011

10,000 00

14,200 00

ald-up Polley Value

year

1,500 00

1,660 00

5th

2,500 00

2.590 00

10th

5,000 00

6,110 00

15th

7,500 00

9,510 00

19th

9,500 00

12,850 00

naranteed Cash Value 2d

338 00

901 00

robable

10th

2,635 00

150

4,517 00

20th

7.03× 00

varanteed

20th

4,902 00

5.019 00

In case of death or lapse within 20 years, the Mutual Benefit Policy is far hore profitable. The Mutual Life Policy may be worth more if it is in force at he end of the 20 years; but then again it may not. The advantages of the Iutual Benefit Policy are immediate and certain; those of the Mutual Life Policy are remote and uncertain. With the Mutual Life Policy the Insured will now nothing about his dividends till the 20 years have passed. The Mutual Benefit Policy is a legitimate investment. The Mutual Life Policy is a peculation, which bristles with opportunities for loss to the Insured. It provides either for loans to prevent lapses, nor for extended insurance in case of lapse.

SEE INSIDE PAGE OF FRONT COVER.

1521

$326 00

$326 10

10.000 00

10,160 00

15th

10,000 00

12,990 00

1,050 00

5th

THE MUTUAL BENEFIT LIFE INSURANCE CO NEWARK, N. J.

EXAMPLE OF AN ORDINARY LIFE POLICY.

Policy payable at Death only. Premiums payable during Life.

Policy No. 536, in the MUTUAL BENEFIT.

Issued in 1845, for $5,000 at age 25.

Contract Premium $102.00, annually, during life. Dividends allowed in reduction of Premiums.

YEAR.

DIVIDEND.

COST OF POLICY.

YEAR.

DIVIDEND.

COST OF POLICY.

YEAR.

DIVIDEND.

COST O POLICY

1845

$102 00

1861

$40 80

$61 20

1877

$84 15

$17 8

1846

102 00

1862

45 90

56 10

1878

86 60

15 4

1847

102 00

1863

45 90

56 10

1879

89 05

12 9

1848

102 00

1864

51 00

1880

91 50

10 5

1849

$35 70

66 30

1865

51 00

1881

93 85

8 1

1850

35 70

66 30

1866

51 00

1882

65 10

36 9

1851

35 70

66 30

1867

51 00

1883

52 65

49 3

1852

30 60

71 40

1868.

*102 00

1884

54 65

47 3

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Langley's San Francisco directory for the year commencing 1893, Part 374

Author: Publication date: 1880 Publisher: San Francisco : Francis, Valentine & Co. Number of Pages: 1788

Author:
Publication date: 1880
Publisher: San Francisco : Francis, Valentine & Co.
Number of Pages: 1788