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SHENSTON AOENT Vi)\l 'I'HE SAMM 1.111 liif MlSl S© FOR THE TOWN OF BRANTFORD AND COUNTY OF BRANT. a ys 3 i Office Hours jErom 9 A. M. to 5 P. M. /In attentive perusal of thi$ Circular is respectfully requested. IS IT A DUTY TO ASSURE MV LIFE ? " A roan's first duty is to provide for his own household. No one can stand acquitted, as a parent, wlio neglects this para- mount duty to his family. If any man have been so fortunate as uoTer to have seen in his f money. They coiitri- hiite. ill truth, duriiii; hcaltli and Htreii<,'th, in such jiroportion, i\^ tiicy may seh-ot, to a fuiid fur their widows and i)r|)!ians, wliuse'siipiiort will flow therefrom when they (the assured) arc! removed. Tlie ciiM of such an invajualile protection is trifling. At tlie ago of ;i(», the sum of f-Ji)()() cash can he secured at death, (whenever it may oc.-iir,) on tlie following terms : — IJy a (lunrterly j'ayment of £"i 18 iVv a .•enii-aiinual |)ayment of r) II Hv an annual payment of II S2 Or by an annuar])ayincut for 25 yiars, of only 14 l.'i and smaller rr lar};er sums, in proportion to the iiremiums paid ami to the aijes of the indivitluals etfuctiiif,' the .VssunuiceiS. I'liicli menilier may also be eiitith'd to i-hare yearly in the profits of the Com|)aiiy ; srt'fliat, in fact, the ('oni| ;iny is but a trustee for the careful' iiiana«ement and accuniulatioii of the funds which have been left with it." FOR IXSrANiK : A ]iarty .insured, as (last named,) above, Tiiay perhaps die the tirst month, and $-^,000 is secured to liis lainily, ami even if he lives tlic whole '2b years, he will have paiil only iiWM l.'w. ! A(;aix, _/*")• inntaiic : A party aged .'JO years assures his life by makiiif,' a payment do^^ 11 of '£10(1, and i)ays iK/Hiin!,' more : his family at his deiith will receive .^K.'i^^l ! I 1 <»r on Jiis attainiiifj; ;'>,'), pay him ."jj^iO^U «ish ! or .f'iUH per annum for the remainder of his life. now IS THIS AsroMsiiiNO RKsrr.T AccorxTED fou ? Interest and compound interest for tin; unrequired funds contiiiuiiHy accumulatimr is the secret. Hear what Dr. Price states oncompound interest, in his .standard work on Jicver- Bionary Payments," which is Tllll.Y MOPT ASlONlSHlNd I " .\ ji( niiy ioiprovvd nt tivi*-f!pr emit, comjioiind interest, from the birlh of' the Saviour, would in 171)1 liave iiicrea-icd to more monev than could be contained in oih: iiuiidred and turty-lonr million of f;tlol)es of solid «rold,each ecjual totheeartli in mag- nitude." And by this time would tiave increaVed to more money than could be ciiuiainei! \\\ llidiifiunh of )ii i.// inn. ,7:n,Ht< :2:i;',, !! !" To shoe a span j>f horses at tlie same rate would amount to .^PJ.."iJI),r>(i7,.'>l 1,177, - HI:2:!I Tliis sum in silver dollar.-., placed together edgeways, and allowing ten to the inch, would reach around the globe 'J,7il(i,:2:2is times ! ! ! another's description. "The theory of Life Assuranc:Ms one of the most brilliaiil disco- ver. (s of modern times. As an amountof poi-oii, which wmihl in- llict immediate death, liecomes innocuous when ;id ministered in inliiiitesimal doses to a number of individuals, so the ills and accidents, the risks and mischances of life may be rendered comparatively harmless by sharing the risk, and spreading a given amount of ill over a large surface of human lieings. In Life As.suranco the superfluity of the many is a|)])lied to the ovigency of the individual, an'd the accumulated fuiul which can be increased nt a rate of interest totally oui of the reach of any one j)er8oii c.'chibits the benetit whcih' arises from combined action." HOW 18 THE "VALI e" OF LIFE ASCERTAINED ? "Tables of mortality teach us, that of 10,000 infanhs liorn.but 5Gi)0 viU reach the age of ^9, that of this number 5G, or nearly 1 in the lOO.may 1)C oxi)octe(l to die within the next tweUo months, nnd the pro|xirtion of deatlw steadily increases until the last survivor attains the age of 104, We do not pretend to point out the year in which any one of this iiuml)cr will die, but we aUow simply, that each on'e of the SdilH now alive has an ecpial chance to be amongst the number who will die in the tirst, or any subsequeut yeur, or to be the one who will survive until 104. "It is further evident, t^at if each one of the SGiW pays into a eomnion fund £1 at the beginning of a year, it will amount to a sum which will admit of the payment o £100 to the heir« of each of theSt! who may die ifur'ing tlu; year; and this can be continued year after ye.ar, though the payneiit must increa.se, in proportion'to the annually increased chance tif death. Life is only uncertain as regards the iii ays go\erned the rate of mortality, has been as regular in its action as that which regulates the recurrence of the ^eason, or the the ebb and fhiw of the tide." IT 18 90METHIN;; "NEW." No, reader, y. disease — which he has seen ha|>jien to others, and from which he can auli.'ii)at( n,. iun.jiUiity .*tht_ l.;eak-'.p o^' Iil,-. Lome,- his house- hold goods roughly handled by strnngc'i's, liis conduct harshly coridi'iiiiied by his'lVieiiiN ; the love of his children tailing be'- fore tlie rude shocks of iioverty, and their respect, by continual ami hitler suH'ering, dwiiiillintr do\\ 11 to curses on his memory. It is an awful thing for a mau on his di iilh-bed to consider, that , ere his corpse grows cold, his widow may be higgling with the undertaker for the price of liis cotlin, and tl at his laniily nuist hunger and thirst to provide him a decent sepulture." A COMMON Oll.li:(TION Wi:i,I, .MET. "Some say that they cannot affonl it; but will any sane man af- firm that lie cannot spare one shilling a week to M'cure .sillMt to liis faniilv '.' no father is aifraid ol' his family ciuniiei; to want diirinir his life. 'V\w assurance otlice is therefore the •• friend in need," roiinni)iciiifH\^ assi-laiice at the very moment tl:i' belter as.sistance is wilhilrawn ; and if a futhfr teels nmr so much dil'- fereiitlv in paving such a trifle of his income, let him retlcct on the triilv fri^ditful condition into which his death would plimue his family »'(7/(0«< auif income at alt." A C.OOH REASON. "It says to the man of 2D years, name the amount yon hojie to save veiirly, pay it to the Ijife Assurance! ("oinpany, iindthey will guarantee you immnliatolii, tlie full sum it would increase to wen^ vou to live 'Xi years longer. It is a lottery in which there are "/*o W(i«is. He who dies early, draws a prize for the beiietit of liis nearest and dearest, and he who survives the iive- rage term of years, is douldy compeiisateil by the p«issession of long life, making him to earn for t lies > dear ones a sufflcieiit support, and the constant protection of his policy tending to re- move all fears for their future wants." A dNXIXG I'LAN. A person aged 2G, assures in the "Annuity method," by which he is to pay £!) lOs. Hd. annuity till he re.iches 50, the Company will then pay bim $'J0O per annum for the remainder V of hm life. H. ako pnys £S 12fl. lid. annually to Hccurc the mynicnt of $'JOUO at hiH dcnth, to Lis family, by which method, if iic livcH long, he will lose on the one and gain ou the other, and vitc vcrta. OLD AOE. By a reference to the " Oxford Oazatoer,** (publinhed by T. S. Shensii! '. Cen»U8 ('oniniisHioner,) Jt will be found that out of the 400 deatl)8 which Untk place in that County during the year the Census was taken, (1H51) only 5 uikd of old aoe, while 12 nii.-t with their death accidentally, and the roniainder of dif- ferent complaints. UOUK F.LOQt'ENCK. "The reflection that untler all circunistance8,we have by a tri- fling prcHcnt H.icrificc secured that which will, in case of deatli, pi'ovide amply for those we may leave behind, remove our prop- erty friuu otherwise ruinous encumbrance, or fully accomplish any other object we may have in view, induces feelings of quiet content, totally removing all that harrowing anxiety for the fu- ture, which, while it tr(iul>le.s some at all times, gains in most of us redoubled strength at the apnroacli of sickness, or ou the ouch of death. This calmness ot feeling is now generally ac- knowledged to be an instrument in ])rolongiug the life of the aseured, estimated l)y some us equal to three or four years in- creased duration ; and its peculiar etlicacy when a serious ill- ness has unnerved us, whim the mind is doubly sensitive, is ad- mitted by all Physicians.'" CANADA ACiAIXST THE WOULD. A Provincial office, investing its funds carefully at 6 per cent, can make a reduction in it^ tables of premiums of fully 40 per cent. — that it can in fact promise to the Canadian, for a yearly payment of £12, as large an assurance as a British office can guarantee for £20; or it can grant a policy for £1000, at tlie same cost to tlie assurer as a British Company can one of £600. A comparative table would be published here but for its length. The undersigned will cheerfully shew such to any wishing to see it. GENTLEMEN OK THE SAUCEUDOTAL ORDEIU This class of mentally and jihysically hard-worked men are almost universally so badly paid that tiioy are quite unable to lay up anything for their families or old age — at which time they are very often /i/(.s//«/ outside by some younger and more active " l)rotlier." To this class the undersigned would most respect- fullv recomnieiid the " Endowment" method, by which a per- son a'Jjed .'Jll, caii,by tlie annual ])ayiiioiit of £14 17s. lld.,secure the sum of iji'2,000"lo his heirs at his death ; or should he attain the age of GO, it will be iiiiiiu'diately payable to himself. MECUAMOS AND LAIIORERS. This class in Canada, a.s yet, have not assured to any great CNteiit, notwithstanding it is well adapted for them, as thousands ot this chiss in Kiiglaiid and Scotland can testify. The Agents gen«rnlly employed in Canada, have been of u class, who thought it beneath their dignity to solicit an assurance under £,')0(), oiisequently this large class are quite unacquainted with tlie advantages the Life Assurance Companies offer. The un- dersigned will be most happy to give any information to this class, and receive assurance iis h>w as £25, — to secure which sum at death, a person aged 30 would be required to pay only (Js. 8d. per annum, or on payment of Hs. 9d. per annum it would be j'ayable to himself o'l his attiiining the age of (iO, or payable to his family if his death bbould occur at any period before that time. SOME (good) EXAMPLES. The following examples will more clearly show the great va- riety of application, and the pnictical advantages of Life Assu- rance : — Life Ashiraxce, — A peraon aged Si4 (next birthdav) can se- cure to his heirs, whenever he maij die, the sum of ^ l,0()0 by the payment of £16 ISs. yearly, £tl lis. 8d. half yearly, or ^4 7a., (id. quarterly. A person of the samo age, can secure ^4,000, whenever he mau< die, by the payment of £20 l.'is. lOd. yearly, £10 12s. 6d. half- yearly, or £5 8s. 4d. quarterly ; with a share in the profits of the Company for every year lie may survive, which, if chosen as a Bonus payable at death, most materially increase the amount of Policy ; or if preferred as a reduction of future pre- miums, will ultimately do away with the payment altogether. ' At the same age, the sum of $4,000 can be secured uj)on the HALF cRKiiiT SYSTEM, by the payment of £9 18s. yearly, or £4 138. 4d. half-yearly, for seven years ; with an annual increase of 10s. lid. for the interest upon the credit granted upon the Poli- cy ; and should the health remain good, the Policy can be re- linquished, its equitable value realized, and a new one taken out upon the same favourable system, at the j reiniuiu of the increas- ed age. ExDOWMEMT. — A father can secure for a child now under one year old, the sum of ^2,000, upon his attaining 21, by a yearly payment of £2 lis. 4d. ExnowMENT Assi'.iANCE. — A person aged 30, can, by an annu- al payment of £12 7s.l Id, secure the sum of $2,000 to his heira at his death ; and should he attain the age of 65, it will be im- mediately payable to himitc/f. Immediate Annuities. — A gentleman aged 57 depositing £500 with the Company, will receive annually during the re- mainder of his life £51 3s 4d. Deferred Annuities. — A person aged 25 can secure an An- iiuity ot £50, to commence on his reaching 50, by either a ]iay- ' nient down of £128 15s. 2d., or by an annual payment of £!> 10s. 8d. Marriage Settlements. — A merchant, aged 25, who has mar- ried a lady with a portion of 1000, is desirous of employing the chief part of tills money in his busiyi!ss, and his wife's trustees are ready to consent, provided they can secure the money ulti- mately to the children. They can accomplish this with ease by assuring the life of the husband for £750, and retaining £2.')t) invested in good security to jirovide an income siithcient to keep up the regular payment of the yearly premium of £12 19s. 5d. ; they can advance the remaining £7;)0 to the husband, as at his death the £1000 would be made good by the amount of his policy. $8,000 FOR £500 ! ! ! A person aged 30, having £500 which he wishes to invest for the benefit of his wife aiul family, can loan the amount to the Canada Life Assurance Conqiany, (for which they will aUow him 6 per cent, interest,) and take out a policy for ,*6,000, pay- able at his death, whicli, together with the £500 loantid, (the interest of that amount paying the yciirly premiums for a policy of $6,000, makes $8,000!) Thus a party pays the Company £.')00, his family wdl receive $8,000, athis dciith whenever it may