USA > New York > Kings County > Brooklyn > Brooklyn City Directory for the year ending May 1, 1862 > Part 101
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GEORGE W. PHILLIPS, Actuary. EDMUND C. FISHER, Secretary.
GEORGE J. HARDY, Agent,
LOW'S BUILDING BROOKLYN.
THE
EQUITABLE LIFE ASSURANCE SOCIETY
OF THE
UNITED STATES,
OFFICE, 92 BROADWAY, NEW-YORK.
DIRECTORS.
Hon. William C. Alexander, President.
Henry B. Hyde, .
Vice-President.
William Walker,
78 East Twenty-first street.
Henry Young, 28 East Seventeenth street.
Irad Hawley,. 47 Fifth Avenue.
James Low,.
Low, Harriman & Co.
James M. Beebe,
J. M. Beebe & Co., Boston.
Henry A. Hurlbut,.
Swift, Hurlbut & Co.
Henry G. Marquand
48 Wall street.
Thomas A. Biddle,
Thos. Biddle & Co., Phila.
Benj. E. Bates,
President Bank Commerce, Boston.
John T. Moore,.
C. W. & J. T. Moore & Co.
Hon. Stephen H. Phillips,
Attorney General of Massachusetts
Hon. Dudley S. Gregory,
Mayor of Jersey City.
Charles J. Martin,
President Home Insurance Co.
Thos. U. Smith, Henrys, Smith & Townsend.
Wm. Whitewright, Jr., 88 Wall street.
Solomon R. Spaulding,
S. R. Spaulding & Son, Boston
Hon. Henry J. Gardner,
Read, Gardner & Co., Boston.
Wm. G. Lambert,.
.A. & A. Lawrence & Co.
Henry S. Terbell,
Terbell, Jennings & Co.
Wilmot Williams,
98 Broadway.
Peter McMartin, 168 Fifth Avenue.
[19]
20
EQUITABLE LIFE ASSURANCE
Geo. H. Stuart,
.Stuart & Bro., Philadelphia.
Henry H. Hyde,
4 Montgomery Place, Boston.
James Lenox Kennedy,
41 Fifth Avenue.
John Slade, .John Slade & Co.
E. Spencer Miller, Philadelphia.
James M. Halsted, President Am. Fire Ins. Co.
John Auchincloss, John & Hugh Auchincloss.
Thos. S. Young, . T. S. Young & Co.
Henry M. Alexander, Cummins, Alexander & Green.
Geo. T. Adee, 40 Wall street.
Moses A. Hoppock,. Hoppock, Garbutt & Co.
Geo. D. Morgan,
E. D. Morgan & Co.
Wayman Crow, . Crow, McCreery & Co., St. Louis
Bennington F. Randolph, Freehold, New-Jersey.
Thos. A. Cummins, Cummins, Seaman & Co.
Wm. T. Blodgett, Wm. Tilden & Nephew.
Dwight Townsend, Havemeyer, Townsend & Co.
Robert Bliss,. Stone, Bowman & Bliss.
Geo. Talbot Olyphant, President Del. & Hud. Canal Co.
Henry Day,.
82 Merchants' Exchange.
Alanson Trask,
Late A. & A. G. Trask.
H. V. Butler,
H. V. Butler & Co.
Daniel D. Lord,
82 Merchants' Exchange.
Edw. W. Lambert, M.D.,
14 West Twenty-first street.
E. J. Hawley, Hawley & Bradford.
Alex. Young,. Young, Bros. & Co., St. Louis.
Sam'l Frothingham, Jr., Frothingham & Co., Boston.
Francis B. Cooley, . Cooley, Farwell & Co., Chicago.
Jose F. Navarro, .. Mora Brothers & Co., N. Y.
Hon. WM. C. ALEXANDER, President.
HENRY B. HYDE, Vice-President.
EDMUND C. FISHER, Secretary. GEORGE W. PHILLIPS, Actuary. EDWARD W. LAMBERT, M.D., Physician.
WILLARD PARKER, M.D., Consulting Physician. HENRY DAY, Attorney. DANIEL LORD, Counsel.
21
SOCIETY, NO. 92 BROADWAY.
Procurement of Assurance.
Forms of Application for Assurance can be obtained at the Society's Office, No. 92 Broadway, New-York, or from any of its Agents. If de- sired, they will be sent by mail. These forms contain questions to be answered by the applicant, in regard to his age, residence, occupation, health, and liability to constitutional or hereditary disease. There are other questions to be answered by his family-physician, (if he has one,) and by a friend, to confirm the party's own testimony. There are, finally, questions to be answered by a physician after a personal exam- ination of the applicant. This physician should properly be one of the regular Medical Examiners, approved of by the Society ; but, in places where there are none such, examinations by a reputable physician will - be received.
All the questions should be answered carefully and fully, as neglect may lead to an invalidation of the policy.
All applications sent to the Society will be considered ; and, should further information be necessary, notice will be given to the applicant.
Kinds of Policies.
Policies will be issued, assuring any amount between $250 and $10,000.
For life ;
For a term of years-one or more.
The Society strongly advises all to take policies for the whole of life; because, if at the end of a certain time, the assurance is no longer necessary, the policy may be sold to the Society for a price about equivalent to the difference between the premiums actually paid, and those which would have been demanded for the short term; while, if the assurance should happen to be still desirable, the assured, whether diseased or not, has the option to continue at the less premium of the earlier age.
On the Endowment Principle, payable when the assured attains a certain age, or at death, should he die before.
This kind of policy is rapidly gaining favor with the public, as it makes provision, both for one's self in old age, and also for one's family in case of early death.
On Joint Lives, payable at the death of the first of two or more persons.
22
EQUITABLE LIFE ASSURANCE.
On Survivorship, payable to a party named, in case he survive another.
And, in a word, all contingencies of life, that can be calculated, will, if practicable, be provided for by the Society.
Policies will be issued-
In favor of the person whose life is assured, transferable by assign ment, and payable to himself, his heirs, executors, or assigns. In favor of another, transferable and payable as above.
In favor of any person as Trustee for others.
In favor of a wife, and payable to her; or, in case of her death, to her children or their guardian.
Here the New-York law, which secures an assurance to the widow and orphan free from the claims of creditors, deserves notice. This law provides as follows :
"§ 1. It shall be lawful for any married woman, by herself, and in her name, or in the name of any third person, with his assent, as her trustee, to cause to be insured, for her sole use, the life of her husband for any definite period, or for the term of his natural life ; and, in case of her surviving her husband, the sum, or net amount of the insurance, becoming due, and pay- able by the terms of the insurance, shall be payable to her, to, and for her own use, free from the claims of the representatives of her husband, or any of his creditors ; but such exemption shall not apply where the amount of premium annually paid shall exceed $300.
"§ 2. In case of the death of the wife, before the decease of her hus- band, the amount of insurance may be made payable, after death, to her children, for their use, and to their guardians, if under age."
Restrictions as to Residence, Travel, and Occupation
Persons assured must continue within the settled limits of the United States, or of the British Provinces of Canada, Nova Scotia, and New-Brunswick.
They must not visit those parts of the United States lying west of the 100th degree of West longitude, (which passes West of the most western part of Minnesota,) or between the 1st of July and the 1st of November those parts which lie south of the southern boundaries of the States of Virginia and Kentucky.
Permits to visit Europe in first-class vessels will be usually granted free of charge.
23
SOCIETY, NO. 92 BROADWAY.
They must not enter upon a voyage upon the high seas, or engage as a Mariner, Engineer, Fireman, Conductor, or Laborer, in any capacity, upon service on any Sea, Sound, Inlet, River, Lake, or Railroad, or in the manufacture of Gun-powder, or of Fireworks, or in submarine operations or mining.
They must not enter into any military or naval service whatsoever, (the militia not in actual service excepted.)
They must not engage in a duel, nor commit suicide, nor die by the hands of Justice, or through the violation of the law of any country.
Otherwise, the assured are free to act according to their pleasure.
Though prudence requires some restrictions on the above points, the Society will promote, as far as practicable, the convenience of the as- sured, by granting permits to visit or reside outside of the usual limits, or to engage in occupations ordinarily forbidden, charging therefor as little as will, in their opinion, cover the risk. The exact extra charge will depend upon the circumstances of each particular case; but the following are the additions usual to ordinary rates for certain privileges :
For Residence in the Southern Atlantic States, to acclimated persons, an annual charge of one half per cent on the amount assured.
For Residence in the States on the Gulf of Mexico, to acclimated per- sons, an annual charge of two per cent.
For Residence in California, if not employed in mining, an annual charge of half of one per cent.
For Voyage to or from California and Oregon, one per cent.
For Voyage round the World, two per cent.
For Service as Conductor upon a Railroad, half of one per cent annually.
And the extra charge for every other risk can be ascertained by ap plication to the Society, at their office, 92 Broadway, N. Y.
Premiums.
Premiums may be paid annually, semi-annually, or quarterly ; and they may be made to fall due at any particular date desired, (irrespect- ive of the date of the commencement of the assurance,) by the payment of a proportionate sum to cover the risk until the time of the first regular payment.
By a slight addition to the ordinary rates of premiums, a release from
24
EQUITABLE LIFE ASSURANCE
paying, after the assured attain a certain age, will be granted: this is desirable to lessen the burden upon old age.
The premium required in one payment, to cover an assurance for the whole of life, or for any given term of years, may be obtained; also, the premiums required in five, ten, or more annual payments, to cover the whole term of assurance.
For rates, see tables beyond.
Cash better than Notes.
This Society demands the whole of its premiums in cash. Some Com- panies accept part in notes-which bear interest, payable annually in advance, are liable to assessment, and, in the event of death, are deducted from the amount assured. This latter system sometimes deludes those not accustomed to consider remote consequences. What are its results ? As years roll on, the notes accumulate ; the interest grows annually larger and larger ; and the total cash payment consequently heavier and heavier ; while the actual amount of assurance-that is, the difference between its nominal amount and the sum of the notes-grows less and less. Thus a provision for one's family gradually changes into a heavy load upon one's self ; and, should the assured not be fortunate enough to die soon, there naturally follows an early forfeiture of policies, fre- quently when an assurance is most desirable.
Moreover, assessments on the notes may be made at any time-per- haps when payment is most inconvenient-it may be when an epidemic is sweeping over the land, slaying its thousands, and trying the strength of all Companies ; and failure to pay forfeits the policy, though on the morrow the delinquent may himself be a victim of the pestilence. This liability to assessment is often speciously denied ; but actions speak louder than words. The fact of the requirement of the note outweighs a thousand mere assertions of its uselessness ; for, if nothing is really ever to be paid, what an utter absurdity is a promise to pay. Again, it is evident that a company whose assets are made up largely of notes, can not be so secure as one whose funds are safely invested and ready in any emergency.
For these reasons, this Society has not adopted the note system; and it has been stated that in England, where Life Assurance has been practised, amid the sharpest competition, longer and more exten- sively than here, the note system has been tried, proved unsound, and abandoned ; and that in this country it has been given up by some of
25
SOCIETY, NO. 92 BROADWAY.
our best managed Companies, after the experience of several years had shown conclusively its disadvantages. And we feel justified in assert- ing, that however convenient notes may be in ordinary business, their insecurity renders them entirely unfit as the foundation upon which to rest the fortunes of the widow and the fatherless.
See also remarks under "Purchase and Valuation of Policies" beyond.
Apportionment of Profits or Surplus.
At the end of the year 1864, and of every fifth year thereafter, a thorough investigation into the affairs of the Society will be made; the value of the funds on hand will be rigorously ascertained ; the amount required to provide for all outstanding claims and risks will be carefully calculated; and the whole surplus over will be equitably apportioned among the assured, and applied, as each may elect, either to the pur- chase of additional assurance, without further charge for premium, or to abate the amount of future premiums, the sum assured remaining the same. And those who have died before the time of distribution will not be forgotten, but an equitable addition to the amount of assurance will then be paid to their representatives. In this way, the Society, it is be- lieved, will meet the wants of most persons, and avoid the disadvantages attendant upon cash dividends, which, from the necessity of large accu- mulations of cash at set times, may interfere with the best investment of funds, and, if falling upon a period of monetary stringency, involve some sacrifice. The plan adopted will make all the changes in the finances of the Society gradual, which is an important advantage.
Periods of five years have been preferred to shorter ones for the dis- tributions, because the rate of mortality will be more uniform among a large number, and extending over a long period. Many Companies in England, for this reason, make their dividends only once in seven or ten years, As those who die previous to the distribution are duly remem- bered in it, no one will suffer loss.
To show assurers how valuable their share of the profits may be, in a Company which gives them all, it may be stated that in the Equitable Society of London, (two thirds only of whose profits are applied to the increase of the amount of assurance,) the additions to a policy of £100, taken out at the age of twenty, in the year 1776, would have amounted, had the person died at the age of seventy-four years, to £496; so that while he paid all along merely the ordinary premium upon one hundred pounds, his representatives would have received, at his death, almost SIX HUNDRED POUNDS.
26
EQUITABLE LIFE ASSURANCE
Truly, in such a Society, both early death and long life give a good pecuniary result; and hence it can be seen that, considered purely as an investment, money spent in Life Assurance may pay well.
Purchase and Valuation of Policies.
As a person, paying a uniform annual premium, pays at first more than is necessary to cover the risk, it follows that, should the assured wish to terminate the contract, the Society can afford to pay back part of what they have received. This it will do upon life policies in force of more than three years standing, the equitable amount to be re- turned being ascertained by calculation for each particular case. Or, if the chief motive for throwing up the policy is inability to pay future premiums, the Society will grant a new policy for a sum which the sur- render value of the old one would suffice to buy-the new policy requir- ing no further payment.
To give an idea of the value of policies in these two ways, it may be stated that, if a person is assured for life at the age of thirty, for $5000, the Society will give for his policy, after
3 annual payments, $108.08 cash, or a paid-up policy for $331.43.
5
186.58
= 547.61.
10
404.96
" 1062.80.
Permission to divide a policy will also be given, so that a sale of a part may provide the means for the payments upon the remainder ; and thus the advantages of Life Assurance may be preserved to the extent of the means of the assured.
The Society will also give, when desired, certificates of the cash value of a policy over three years old, being the amount they are prepared to pay for it at any time, while the policy remains in force. The policy will thus furnish a perfect security for the amount named in the certifi- cate, and can be made readily available in obtaining loans.
Assurers should notice here the great superiority of the cash system over the note system. In the former, the assured, having prudently paid at first a little more than necessary to cover the risk, has a sure support to fall back upon in case of emergency ; in the latter, from the smallness of the cash payments made, the policy has no value, and must be thrown up, should there be even a slight failure of the resources of the assured, who very probably has been allured, by the dangerous facilities of credit, to assure beyond his means.
27
SOCIETY, NO. 92 BROADWAY.
Annuities.
A given sum of money, applied to the purchase of an annuity, will secure a person a larger certain annual income for life, (no matter how long,) than if invested in any other way-and the older the party, the greater the advantage. Annuities are, therefore, often bought by, or for, those who have none dependent upon them to be cared for after their death.
The rates adopted by this Society in the sale of annuities, will be seen in the annexed table.
The Society is also prepared to sell Deferred Annuities-to commence at any future date. In the price of these, allowance is made both for the improvement of the money at compound interest, and for the chance of the person dying before the annuity commences ; so that a little will go a great way in the procurement of a future income. These annuities may be bought either by one payment, or by annual payments, continu- ing for a certain number of years. A person can thus, while in health and vigor, provide for his own old age, or that of another.
Payment of Losses.
All losses are payable in sixty days after the receipt of satisfactory proof of death. In proving the death of a party assured, it is desirable that affidavits should be procured from the attending physician of the de- ceased, the clergyman officiating at the funeral, or a friend, and the sex- ton or undertaker having charge of the interment. Blank forms of affi- davit will be furnished when required.
In all cases where the policy is payable to the widow, the check of the Society will be forwarded at maturity, payable to her order ; and in no case will it be necessary for her to employ professional services, (possi- bly involving considerable expense,) to realize the claim.
28
EQUITABLE LIFE ASSURANCE
LIFE TABLE,
Showing the Rates of Assurance of One Thousand Dollars on a Single Life for the whole continuance thereof.
Age.
Quarterly Payments for Life.
Semi-Ann. Payments for Life.
Annual Payments for Life.
Age.
Quarterly Payments for Life.
Semi-Ann. Payments for Life.
Annual Payments for Life.
14
$4.03
$8.00
$15.73
41
$8.43
$16.72
$32.89
15
4.11
8.16
16.05
42
8.75
17.35
34.14
16
4,20
8.33
16.38
43
9.09
18.02
35.46
17
4.29
8.50
16.73
44
9.45
18.74
36.87
18
4.38
8.69
17.09
45
9.83
19.50
38.36
19
4.48
8.88
17.47
20
4.58
9.08
17.87
46
10.24
20.31
39.95
21
4.69
9.29
18.29
48
11.12
22.05
43.38
22
4.80
9.52
18.73
49
11.59
23.00
45.25
23
4,92
9.75
19.19
50
12.10
24.00
47.22
24
5.04
10.00
19.67
25
5.17
10.25
20.17
51
12.64
25.06
49.31
52
13.20
26.19
51.53
27
5.45
10.80
21.25
54
14.44
28.65
56.37
29
5.75
11.41
22.44
30
5.92
11.73
23.08
56
15.83
31.40
61.78
57
16.59
32.91
64.74
32
6.27
12.44
24.46
59
18.25
36.22
71.25
34
6.66
13.21
25.99
35
6.87
13.63
26.82
61
20.15
39.96
78.62
36
7.10
14.08
27.69
63
22.28
44.20
86.96
37
7.33
14.55
28.62
64
23.46
46.53
91.53
38
7.58
15.04
29.59
65
24.70
49.00
96.39
39
7.85
15.57
30.63
40
8.13
16.13
31.73
53
13.80
27.38
53.87
28
5.59
11.10
21.83
55
15.12
29.98
58.98
31
6.09
12.07
23.75
58
17.40
34.51
67.89
33
6.46
12.82
25.21
60
19.18
38.03
74.82
62
21.19
42.02
82.66
26
5.30
10.52
20.70
47
10.66
21.16
41.62
29
SOCIETY, NO. 92 BROADWAY.
LIFE TABLE MODIFIED, Showing the ADDITIONS to usual Annual Rates upon LIFE POLICIES, when NO PAYMENTS AFTER ATTAINING A CERTAIN AGE are required-upon ONE THOUSAND DOLLARS.
No Payments after 50.
No Payments after 60.
Age when assured.
Addition to usual Life Rates.
Total Premium.
Addition to usual Life Rates.
Total Premium.
14
$1.91
$ 17.64
$ .73
$16.46
15
2.06
18.11
.78
16.83
16
2.23
18.61
.85
17.23
17
2.41
19.14
.91
17.64
18
2.61
19.70
.98
18.07
19
2.84
20.31
1.06
18.53
20
3.09
20.96
1.15
19.02
21
3.36
21.65
1.25
19.54
22
3.67
22.40
1.35
20.08
23
4.01
23.20
1.47
20.66
24
4.39
24.06
1.59
21.26
25
4.81
24.98
1.73
21.90
26
5.28
25.98
1.89
22.59
27
5.81
27.06
2.06
23.31
28
6.41
28.24
2.24
24.07
29
7.09
29.53
2.46
24.90
30
7.87
30.95
2.69
25.77
31
8.74
32.49
2.95
26.70
32
9.75
34.21
3.24
27.70
33
10.91
36.12
3.57
28.78
34
12.25
38.24
3.94
29.93
35
13.82
40.64
4.35
31.17
36
4.82
32.51
37
5.35
33.97
38
5.96
35.55
39
6.65
37.28
40
7.44
39.17
41
8.36
41.25
42
9.42
43.56
43
10.65
46.11
44
12.10
48.97
45
13.80
52 16
30
EQUITABLE LIFE ASSURANCE
ENDOWMENT ASSURANCE TABLE,
Showing Annual Premium of an assurance of $1000, payable to the party assured, on his attaining the age of 40, 45, 50, 55, 60, or 65; or to his repre- sentatives, in case of death before attaining these ages respectively.
Age.
40
45
50
55
60
65
Age.
14
$31.30
$25.72
$22.01
$19.52
$17.85
$16.79
14
15
32.82
26.75
22.76
20.12
18.30
17.18
15
16
34.47
27.86
23.56
20.69
18.80
17.59
16
17
26.27
29.06
24.42
21.36
19,32
18.02
17
18
38.26
30.36
25.83
22.01
19.86
18.48
18
19
40.46
31.77
26.31
22.74
20.43
18.96
19
20
42.89
33.31
27.36
28.52
21.02
19.47
20
21
45.59
84.99
28.49
24.84
21.66
19.99
21
22
48.59
36.81
29.71
25.22
22.35
20.55
22
23
51.96
38.82
81.04
26.17
23.07
21.14
23
24
55.79
41.02
32.47
27.18
23.84
21.77
24
25
60.13
43.46
34.04
28.27
24.67
22.43
25
26
65.12
46.16
35.72
29.43
25.53
23.13
26
27
70.90
49.20
37.57
30.71
26.46
23.88
27
28
77.64
52.56
39.62
32.05
27.45
24.67
28
29
85.63
56.43
41.83
33.52
28.51
25.51
29
30
95.27
60.78
44.29
35.11
29.65
26.89
30
31
65.78
47.04
36.85
30.87
27.83
31
32
71.58
50.08
38.74
32.20
28.35
32
33
78.84
53.49
40.82
33.61
29.41
33
34
86.34
57.36
43.09
35.16
30.56
34
35
95.99
61.75
45.60
36.82
31.80
35
36
66.73
48.38
38.62
33.12
36
37
72.58
51.49
40.59
34.55
37
38
79.38
54.96
42.75
36.09
38
39
87.43
58.89
45.12
37.75
39
40
97.11
63.36
47.74
39.54
40
41
68.49
50.65
41.51
41
42
74.39
53.90
43.65
42
43
81.32
57.52
45.95
43
44
89.51
61.62
48.57
44
45
99.34
66.27
51.40
45
46
71.55
54.53
46
47
77.64
57.97
47
48
84.71
61.81
48
49
93.05
66.10
49
50
103.01
70.93
50
51
76.41
51
52
82.68
52
53
89.94
53
54
98.46
54
55
108.61
55
31
SOCIETY, NO. 92 BROADWAY.
TERM TABLE,
Showing Rates upon ONE THOUSAND DOLLARS, for TERM Policies, without Profits.
Age when assured.
Annual Payments for 7 years.
Annual Payments for 1 year.
Age when assured.
Annual Payments for 7 years.
Annual Payments for 1 year.
20
$10.75
$10.75
41
$16.26
$15.28
21
10.88
10.88
42
16.94
15.67
22
11.02
11.02
43
17.71
16.16
23
11.17
11.16
44
18.59
16.78
24
11.32
11.29
45
19.56
17.50
25
11.49
11.43
46
20.63
18.37
26
11.67
11.59
47
21.80
19.81
27
11.86
11.75
48
23.07
20.85
28
12.06
11.98
49
24.45
21.46
29
12.27
12.11
50
25.95
22.68
30
12.49
12.31
51
27.58
24.01
31
12.73
12.52
52
29.34
25.47
32
12.97
12.75
53
31.25
27.06
33
13.23
12.98
54
33.32
28.75
34
13.50
13.22
55
35.59
30.62
35
13.78
13.48
56
38.06
32.64
36
14.07
13.75
57
40.75
84.79
37
14.40
14.03
58
43.70
37.14
38
14.77
14.33
59
46.98
39.71
39
15.19
14.63
60
50.46
42.59
40
15.68
14.94
32
EQUITABLE LIFE ASSURANCE
ANNUITY TABLE,
Showing cost at different Ages of an Annuity of $100, payable annuall;, during the Life of a Party.
Age at time of Purchase.
Cost for Male Life.
Cost for Female Life.
Age at time of Purchase.
Cost for Male Life.
Cost for Female Life.
40
$1272
$1322
61
$874
$934
41
1259
1309
62
848
908
42
1246
1297
63
822
883
43
1233
1284
64
796
858
44
1220
1272
65
770
832
45
1205
1256
66
743
805
46
1188
1240
67
716
778
47
1172
1224
68
689
752
48
1154
1208
69
662
726
49
1134
1188
70
636
700
51
1094
1148
71
610
675
52
1072
1128
72
584
650
53
1052
1108
73
559
625
54
1032
1088
74
534
600
55
1010
1067
75
508
575
56
988
1046
76
480
548
57
966
1024
77
453
521
58
944
1003
78
426
494
59
922
981
79
399
467
60
899
959
80
377
447
50
1114
1169
The table on the opposite page has been prepared to meet the objection often urged against Life Assurance, namely : that a person may make several payment3, and then, through an unforeseen inability to pay further, lose all that he has previously paid. The new scheme, you will observe, secures to the Assured who may be placed in this situation, a Paid-up policy for a sum proportionate to the amount of Premiums actually paid by him. Thus, whether he pay more or less, he is sure to obtain the fair value of his money.
33
SOCIETY, NO. 92 BROADWAY.
LIFE POLICY,
PAYABLE BY TEN ANNUAL PAYMENTS, WITHOUT FORFEITURE.
Table of Premiums, when Ten Annual Payments only are required to secure One Thousand Dollars, payable at the Death of the Assured.
Moreover this plan of Payments secures to the Assured a PAID-UP POLICY of $200, if he makes only TWO annual payments upon an Assurance of $1000,
300,
do.
THREE
do.
do.
do.
do.
400,
do.
FOUR
do.
do.
do.
do.
500,
do.
FIVE
do.
do.
do.
do.
600,
do.
SIX
do.
do.
do.
do.
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