IMAGE EVALUATION TEST TARGET (MT-3) 4 // 4s^ /- 7a 1.0 I.I t lis, i2.0 2.2 1.8 1.25 HI 1.4 mil 1.6 ^'^'/^^i o> Photographic Sciences Corporation 33 WIST MAIN STkllT WBBSTM.N.Y. MStO (716)172-4503 >^ V %" ^ -^^ '4^ '^°i£ .^

BY INK .NKW YORK I.IFK INSIHANCE CO Wl * 348 BKIH1IW4T. #.^ ^^-^ -^ i"*?* " SaV'"^*^4'^ ■^'*1« :?>;» \ \„.. Ft»rMlUrl& r.. . rnaUri, Ul' »u.ll hlirri. Nr..V .ik m< I r- I IK N. Y. LIFE INSURANCK CO. GENERAL AGENTS Boom 12 Federal Block Opposite Po.t Office, W. J. NILBS. %. It ■^^'^JS. ;,^^->^t' rr -,S^s? s?j AN ADDRESS UPON THE SUBJECT or LIFE INSURANCE BT GEORGE F. FOOTE, M.D. Delivmd before the Katavia Lywum. PuHI.I»HF.n BY THE NEW.VORK LIKK IN^VRANlK COMl'ANY, 34fi & 141^ Hroadwav. I • Ma u. It,. New York Lifft iB*"""'"" ^ ! .15 MORRIS FRAMKLI.V, , , ., , ^ ^ President of the New- York I.i/e InsiiraHce lompany. David Do'.vs &= Co., Flour Merchants, No. lo .South Street. ISAAC C. KKNDALL, Um'oH BtiiUiings, corner of U illiam and / me Streets. DANIEL S. MILLER, Late Dater, Miller &' Co., Grocers. HENRY K. BOGERT, Bogert &' Kneeland, No. 49 Willmrn Street. JOHN MA IRS, .Merchant, No. 20 South .Street. WM. II. API'LETON, , ,. _ 1 v,,.,, D. Appleton &> Co., PuMishers, No. 92 Gra'ui Street. '^OBERTB^CLH.LINS,^^ 5/-,//.«.... No. xo6 Leonard street. WILLIAM BARTON, Banker, No. ^^ H'nll Street. JVM. A. BOOTH, Booth &• Edgar. No. ifv, ]l alt Street. GEORGE A. OSGOOD, I Banker, No. 35 Broad Street. ''^''%j:^!^'^n,an &- Co., Dry Goods, 82 .-^ .4 "^-'* St. ,"^''^' Antho),'y's^))k Dry Goods, No. (A Leonard .Street. ^■'■^''''''pM.'1'ohhe Eagle Fire Insurance Co.. 7. lYall Street. -'"'''"^a^!;;'^'ci::Ero,.isions, No. 400 West T.W/th Street. ^■"'''"'lllyuZrogues &- Co., Dry Goods, No. toy Eranklin St. CORNELIUS R. BOGERT M D Physician. No. 8 St. Mark s Plate. ■^' ■' ■ ' 7. 'f. Srvimmr ^r' Co., China, 78 Warren Street. II. /.-. <- ^jf'j/-l.^^j;i^^ ^ ^.g^ ji^y (;„^s, cor. Church *• Worth Sts " '''''l-^l.Pres'id'eni and Actuary of the N. Y. Life Insurance Co. MORRIS FRANKLIN, President. WILLIAM H. BEERS, V. Pres't and Actuary THEO. M. BANTA, Cashier. CORNELIUS R. BOGERT, M.D. > :^redlcal Examiners. GEO^iOE WILKES, M.D. ) CHAS. ^A^RIGHT, M.D., Assistant Medical Examiner. ''-- A. DYER, Superintendent of Agencies. F<« \^ 4?i , I •TtisareeKP^filslfi^S^^lSi^ - i^/^* outk Street. Ireets. Street, d i^treet. I4 Worth St. 'Street. W nil Street. Ifth Street, ranklin St. , 'eet. y Worth Sts. 'nsurance Ci>. md Actuary. I^v^^ ^m^^^..-. .-^>^ ".«*'«•? <*x ( ATeff- TbrA^ Zife Imurance Company. V The New-York Life Insurance Co. is one of the Oldest ! Institutions of the kind in America. Having been chartered in the year 1841, and commenced business in May, 18^5. During the twenty-five years of its existence, it has issued policies upon the lives of More than 68,000 Persons, ) And has paid in losses, $6,000,000 to the families and represen- tatives of those who have deceased while members of the Company. Ed^ Special care in the selection of its risks, strict economy, and a safe and judicious investment of its funds, emphatically characterize the management of this Company. Policies arc issued in all the favorable forms which experience has indicated as favorable to the assured, and can be made pa>able, at a specified time, during the lifetime of the assured, or at death. Pre- miums may be paid annually, semi-annually, or quarterly. s The following tables concisely exhibit the progress of the Company "^ y during the past six years: I fur llpcTi»i.() for P^id for 1a)IIM. $;U5,'J00 ■l'J0,5-J--' 480,197 741,043 758,104 RrceiTed fur Premiuttu, 1864 $1,477,193 18C5 '->,084,804 18fi6 2,736,062 1867 3,104,0.')I 1868 3,912,136 1869 5,104,640 $18,418,886 AtieU «t end ot jcar. 1864 1.3,741,078.18 1865 5,018,349.06 1866 7,009,092.25 1867 9,159,753.91 1868 11,000,822.60 1869 13,327,924.63 Rrfri»f() for InterBUl, &r $252,617 261,014 352,742 487,339 766.144 870,157 $2,990,013 |nrrFa*e of Aiiel* liter picTiuua jeBr. $1,035,411.74 1,277,370.58 1,990,643 19 2,150,661.66 1,84I,0(>8.6I) 2,327.102.03 $3,345,346 raih DiTidendj artuktlf paid. $93,555.38 250,38^ . 14 282,22 i.i; I V 381, rj» >-; l,225,Sa .'•„ 1,5,15,399. i I Total, $10,622,2.57.89 $3,769,386.97 During the six years $3 345,346 have been disbursed for losses, .$3,769,386 have been returned to policy holders in dividends, and «yet the assets exhibit an increase during that period of over ten i)?®ii?iimi v^m* 1 \ 'U j^ *> The system popularly termed " The Non.Forfelture Plan," was originated and,first presented to the public by this Company in their welt-known "Ten 2'ear Ji/'on- Forfeiture f^Hcy ," m iht year i860; and its perfect adaptation to the wants of every class in the community, obviating every reasonable objection to Life Insurance, \ §, £* is shown from the fact that every Company has been compelled, In deference to public opinion, to adopt it, although in many cases it is done, in such a way as considerably to impair its value. It has re- ceived the ungualiftea approval of the belt butinett men of the land, large numbers of whom have taken out policies under it, simply as an investment. By the Table on which this class of Policies is based, a person in- curs no risk in taking out a policy. Insuring to-day for $10,000, if he should die to-morrow, the $io,oco immediately becomes a claim ; " and if he shall live ten years, and make ten annual payments, his ' policy will be paid for, and his dividends still continue, making ' mS UFE POXJCY A SOYTRCE OF XNGOHIE TO HIM TXTHIX.E UVXNG. By the specific terms of these policies, and not by vagtie and indefinite statements made in circulars, a party after the second year does not forfeit what has been paid. Thus, if one insuring by this plan for $10,000, discontinaes after the second year, he is entitled to a PAID-UP POLICY, according' to the number of full years paid in, viz. . Second year, two-tenths of $10,000, (am't insured), amt'g to Third year, three-tenths of " " " Fourth year, four-tenths of " " " Fifth year, five-tenths of " " " And so on, until the tenth annual payment, when all is paid. The paid-up policies, for the proportionate partial payments, as well as for the full amount, participate in the Dividends of the I Company during the wholi existence of the policies. 12,000 3.000 4,000 5,oco ■^^\c^'^.^~^~ f^' ^^'N ,.^t^?^ JVeif-Tbri- JJfe /niuiance Company t^t- im'mMMi ^@it®ii3. This form of policy embraces the principles of both Life Insurance and the Savings Bank. By it a party protects his family or others whom he wishes to benefit; and upon attaining a specified age, reaps for his own use the advantage of the savings he has made in earlier V, years, thus, in addition to providing for contingencies on the pathway of life, returning him the principal and a fair interest upon the investment. ijr The payments upon these policies may bt made to cease in ten ^ ^ years, or continue during the term of the policy. Endowment policies on annexed Tables, after the payment of two entire years' premiums, are non-forfeitable for such a proportion of the original sum as the number of annual premiums paid bears to the \ total number required by the policy. Example: For as many thirtieths, ' twentieths, and tenths, as premiums have been paid. All Policies now issued by this Company cont.iin the "Non-For .feiture" clause, providing for their surrender to the Company in case the assured should desire for any cause to discontinue the payment of premiums. All losses are payable in sixty days after the receipt of satisfactory proof of death. In proving the death of a party, affidavits arc required-upon blanks furnished by the Company, from the attending physician of the deceased, the clergyman officiating at the funeral, and the sexton or undertaker having charge of the interment, and in all cases the identity of the party is to be cle.-irly shown. Instances may occur, wherein strictly legal proof cannot be obtained, in such events such reasonable evidence, as a prudent man would require in the payment of his own funds, will be received as satisfactory. %^f- :^\!\ :^^^ H Insurance ' or others age, reaps 2 in earlier V, le pathway upon the p ;ase in ten ,^|^ lent of two Dportion of lears to the ^ y thirtieths, "Non-For any in case payment of satisfactory ffidavits arc lie attending the funeral, nent, and in . Instances ed, in such lid require in I ;tory. .Yen'- Vork JAfe Tmnrnnce Company, AMON& THE ADVANTAGES OIPEEED BY THE NEW-YOEK LIFE INSUEANOE 00. AEEs ist. Pure Mutuality, sn that the entire surplus earnings over the actual cost of insurance is returned to each member. 2d. _ Age, having been organized in 1S45. It has the benefit f)f the experience of nearly a quarter of a century, and members are thus guaranteed from all doubtful experiment in the method of conducting Its business. I 3d. Stability and Perpetuity, shown by the accumulation of a capital of Thirteen Millions or Dollars, after paying all losses promptly, and returning large dividends to its members. It has now an income eessarv preparation for their maintenance inJ ^ -.'.'.. \\\w\\ this shall be-iJ > k iJnntieii)ation .f lh cir P^ ^ decease. ■^!X> ^■^aI ^»< J^t \ 0^1 I I ( teeming ices are tnprove- on ; and ) benefit ' d within I1B8 been n of the lent Rge ODS, till' n happi- idvocuto Asidt/^ there are n nearly ttcr pro- )f friend- it is the i in st it II- equality, icquirinfr 1 of thi.-i idered to right to tve want ( asECCia- ns saved rt'lio now ig, nmdc innnoi' inj shall be-^ -•^> ^fr <<<'l ,'^3 ^ ^ av- '%!^- ^ 1 ^Iv-. r^ -yJ^V^ \A .\'' •v-r-y-^l . 1 >■«•-? o/-y(- /.//»■ Inturniice ('om/i(tny. liny wcll-r(;gulato(l compiiiiy, when uuconnecttnl with othor business, whoso officers duly attondotl to their duty, and wi'ro honest men. ISncertaint^ of otKer UnueatmcntB. lice — f Lifo^ Fn all branches of business, whether inanufaetur- ) ing, commercial, or agricultural, success depends upo!» a variety of continjjjont circumstances A man vunj profit by his investment, or he maij lose. There can be no positive and siini calculations . made of a stipulated amount of profits <)r returns. / Whatever may be the probabilities witli the most 3 accurate and mathematical calculations, there al- rn ways are more or hiss uncertainties attending any spoc\ilation. The caprice of fortun*^ rules des- ,potically over all liranches of business This i^ 'even tiie case with many forms of insuran indeed, we may say, all Imt a well-regulated Insurance. In fire and marine insurance, the chances are supposed to be as a thousand to one, that a building is not burned or a vessel lost, subject ^ to the caprice of fortune. No correct and abso- lute data can be formed. A succession of good luck will enrich a C(unpany in a few years, while a cuhmiitous /(>f', destroying but a small proportion of one of our great towns, would be sufficient to p. ^ bankrupt nearly every fire company in the State. ^^ t, Again, monies expended in fire or marine insurance >^ (as well as in most other forms but life) bring no "" returns, unlrss we suffer a loss which must equal or exceed the amount of money wo are to receive. For this chance wo have to pay a premium, which, at the end of a year, if our house has not been burnod, or at the end of a voyage, if our vessel has ,not been lost, is an investment from which we get mo return, and, so far as wo are individually con-^ r - - '^ '%Q^'^^^^Mm^'-<^-^ r S»: >^l innectt'tl DlldtHl to f ufactur- depoiids Cl'8 A tdi/ lose. Mlluti<)ll!S returns. llU IllOrit ;lior« iil- liiifT any los ih's- This is iraiiiu' — A ti)d Life nee, the 1 to oni), , subject ^ lid ubno- of good , while a 'oportion icient to I tie State. [iBuriince bring no equal or receive. 1, which, iot been BHsel ha8 h wo get ally con- ^ fK^ %. ccrned, i.s so much money thrown away Lif'' Insuraneo exhil)it!S tlie contrary t>f all this ?i^.c.^ .-.AMm^ ,«>.■© -VA4> ."S'V- J\>M-rorA- Life Imuraiir, Com/intiy. Certainty of Life Insurance. * Prevading all nature, we find ci-rtain fixed and pormaneut law.s which never change ; as that, by the ' force of gravitation, water seeks its own level— or ^y by the application of heat, it is converted into vapor ^^ — or by the abstraction of heat, into ice ; the earth S* turns upon its own axis; the sun rises in the east ; crystals assume certain forms in particular salts, which never vary, , wiil yet live to average about 37i years each ; at the «ige of about 30, about 344 ; and at the age of 35, just ^ 31 years each ; and so on. Now, these facts are found to bo as certain and as fixed a law, as any other before mentioned. Observations in Paris, London, Carlisle, «- Northampton, and this cimntry, made by the most *^ experienced actuaries, obtain (within a fraction) the '^"\ same results. Having these tables before us from ^ which we can adduce the av "^i^^^^ ^ *j rWiii.-^..-^.- data for uildings ars, and result of may be ifo. All Y yoaris. < 8uro to ;, or any t in Lito I ave uo And all ^ rtaiuties. II where •mpetont n in Life ■or which U8. All to meet State or I nd mort-< -^^^^^ J^^-^- .VeH-rorl. Life Tnintance Company. \% ♦» ffutr.' ..n r.>al .-state worth 50 per cent, more than ^u^ tmmuit of the sum loaned. The^se „ve«tments of e^rHe, are drawing interest, which mterest is lain rel. aned. making an investment at compound Kest These interests are an accumulation to he benefit of the company, which in a few years, ^ !„ a successful one, whose expenses ar.- proport.on- „te to their business, amounts to a large sum : " V.;ive an idea of the gains of compound interest *20 invested yearly, commencing at birth ana remaining untouched, amounts, at the age of 30, to *l VM^ at the age of 40, to $3,09.5; and at the age !f GO to th enormous sum of $10,600.. Twenty dolla ; a year for sixty years is ..nly a investment fn principal of $1,200; yet, with the compound interest it amounts to nearly nine times the whole sum invested. Bivibenbs. AH accumulations above losses "^"^^ «xr.enBes, m \j proprietary or stock companies, go to the stock ^ hoXrs but in the mutual companies, they are divided equally among the life members, in proportion rSe amount of their 'e«P7«^« P'«'X^„,] ^^^ nurelv stock company, the friends of the insurea purely bmjob- ^ i / nnliev The accumula- get only the amount of the policy, i "« »« . tions and savings of these companies m t>°»e become quite large, and the parties interested in the stock ?not thefn;ured) rea'li.e g'^^t incomes which, m (publio opinion over all others. ^S7^=^apf='^^ r^ V i^...^. ,w^imiv^ r^^-^^"^ 114 J\''eH-- lori- Life Tnturanee Company. % A^oantages of the Mutual System. One of the oldest mutual companies is that of the "Equitable Society for Assurance, of London." This has been in successful operation for about 10() ^ years, and many cases of large profits accruing to "the assured are reported by the company, showing ) the practical advantage of the insured participating iu the net profits of the business. Chambers' Journal, in a very able article on the subject of Life Assurance, states that " after a careful examination of the two plans, («*i^ ^ ^'^i:mw "^^^ "^^ -^^^^ r — ^ift^j n. it of tllC ondnn." )out 10() ruing to ' showing cipating ^^ •ticlp on *' after a ock anil experi- nviction Z WHICH wt. Of ks, that, 'ire, TKN(^ nd. after 0,(XK) in neniium. s value! •,e public • hack to 'UAL, A8- vhich the \f for the istitution (Vk^ t authors aly after ystem as othing in n remote- nudently 'JJ^ ^^^:^^---^^ ^J^^1^- ■^W^^ '.£=^ W^ Who shoulb Insure. i ) --^ r^'», b4.v> - 1 & wd** A'ew- J'o'-*- ''^«^«' rufurance Company. i' SJ .^^^ With tW» desoriptioii and reliability of Lifo a family or friends dependent on \"n,*"'^ ,'?'*Pr.;; :aVctanins™o«pon h.h^^th.u I'^'^^lr-FiS -tS yC;e ui .m.an^ to provide a Lecause . 1 irst, tn y " ^ fortune, which certainty against the cHauce^ "i i -..elves secure against want, but ''f^^y l""'!*^!'!;;^/ Zy cantot invest their funds in - -^^^-^^^^^^ profitable n.auner, with a g-i^^ Y,<'':^J^«^2cf -^s;:t^=^cS^u^i=^weve^ small thnncome, a little can bo invested for the Sre want of those ^^0 othermse are to be^^^^^ destitute when he comes to die ! A reahty wnicn toT-becau8e with Ufe the income ceases, and^ to ter .,J I I? if'' •\J ^■^.^-^** ««»»teiaii8aB«5MSw»s*«*«ei»«*»^ •»•"«'«»««•"«'«««**'*»"'- le added )08urp to •rgymen, lomy are bly, with a future ' lall have sir stew- jf ovary ' astor, or imediate I classes igos and I to-day, ne face; Id death( Id scarce r forced closing- iBctor t)f ^ s: After en, I am and tra- indepen- ;atetnent d appal- •e, which :ion of a (rson on made in ing; the own, his I readily^ \% tV/- .*^v- i-'S ^n-- ^ ^IV-. J^-^^^^ ^VeH>-Vorl' Life fnituraiice t'onipatiy. i; IP .1 change, if ho chooses, to the benefit of a wife, or wife and chiklrtMi, when he shall come to have them, without any increase of yearly premium. The man with incumbrances upon his property should insure to the full amount of it, to enable his family, in case of decease, a ready means to meet . all payments, and secure to them a comfortable home. Creditors should insure the life of debtors, as the means of securing the ultinuito ijayment of doubtful debts. A policy of Life Insurance i.s also applicable as collateral security, when credit is to be obtained, or money borrowed. ©bjcctiona to ILifc InButancc Anevoercil. ~N First. It is stated that if the same sum that i.s -^expended yearly in Life Insurance were placed in ii^" Savings' Bank, or put out at interest, it would in ii ~ few years rtW0M«7 to as nmch as an insurance policy. We readily grant this fact, but in reply would ask, 1 J ' what surety is there that a man will live a/ew years, or the term of his expected life even ? Or, again, what surety is there that he will put out this stipu- lated sum at interest, yearly .' Past experience, at least, teaches that but a few men do it ; the 10,000 widows and orphans in our midst, give evidence to \ the foot that it has not been done but in a few instances. Suppose a person at twenty-five years of age, whose premium on $1,000 would be $20.40 a year, should put this sum out an interest, at the end of one year, if he should decease, his family gets barely $20.40, with interest added, laaking $21.82 only, whereas from a life policy they would get 4^ , $1,000, with his proportions of the accumulations. ' Serondhj. It is objected that it is a kind of lottery,J ^ i of gambling : that to make it a successful^ 2l^ %^ K)r species W- -.J -=^ ■^ JL. ir-- P-^s ^■-K=' ^%!tf->>^^^ .Yen- i oil- J.ije Jniuriinee Compuny. * ' investment, un early death is necessary, &c. But this is a great mistake, and is only made by those who know nothing of the principles of Lite Insur- iiuco. There is no gambling about it— there is even far less chance in it than in the ordinary business of life. As has been before stated, the expectation ' of life at every age is known, and each man is charged that sum per year which, in the given ' nuuiber of years ho is expected to live, will amount ^ • 4*S to the sum for which he insures, which bis family K S ' '^ receives at his death, together with the accumula- tions If he dies soon, they then get simply the sum for which he insures, with a small accumula- tion If he lives beyond the expected term of lite, they get the amount of his policy, together with the addition of a large amount of accumulations; and he who lives to pay the most will receive the most. -sit is, in reality, a more equal distribution ot proper-/ ■^ty, according to the expectation of life. Thirdhi. It is objected to, on the grounds that it is profiting in the death of a husband or father. < Hence we often hear of the superstitious idea that , . I' " Life Insurance is the price of blood." This ot ' course arises from ignorance, as precisely the same objection would lie against any and every sort of provision made for the family in anticipation of death! Even the detail of property finds in it the same objection; yet we never hear that these \ squeamish persons ever refuse a dowry, a legacy, or heirship. ... . The truth is, that Life Insurance is simply set- ting aside and investing a yearly sum, with the certainty of a safe return with accumulations ; whereas other investments, with a profitable and sure return, are not so easily found, and often end in an entire loss. .,..,, u I L It is an association formed by individuals, whoj ^unite together, under a contract, to support ^^^ X» U £ -•J* ■•4 &c. But by those ifo Insur- re is even business tpectation !h man is the given ill amount Ills family iiccumula- iimply tbe accumulu- rin of life, sr with the tions; and ) the most, of proper-; ouuds that or father. s idea that • This of y the same )ry sort of iipatiou of ds in it the that these , a legacy, simply set- 1, with the mulations ; fitable and d often end iduals, who pport each( ^^m Zi/'e Intiiriinre Company, JitCi other's families in case of death. In order accomplish this, it becomes necessary to establish a fund, which is done by a yearly contribution, duly apportioned among them, according to their expectation of life, and the amount to bo '•oceivcd by the family at each one's decease. Fourthly y and lastly. It is objected to on the grounds that it is distrusting the goodness of Prov- ) idcnre. And the hypocritical pharisee, who is too supremely selfish to deny himself the indulgence of some unnecessary and perhaps filthy habit, in order to provide his wife and children against want, offers as an apology for his conduct his trust in Providence, as if Providence would smile upon or countenance such blasphemy. Such a trust is sure to end in disappointment. _i^ In the language of a celebrated divine, "What ~)right has a man to trust to Providence to do for him what Providence has enabled him to do for/|' * himself ? The wisdom and goodness of Providenco^^ are shown in giving man the power, and placing him in circumstances in which he can exercise it. A neglect to use and exercise this power, is a disregard of Providence and his manifest designs. Does a man show his trust in Providence by enter- taining the expectation that, though he shall neither plow or sow, yet somehow a crop shall spring up, which he shall bo permitted to reap ? Or rather, is not the right trust shown by plowing and sowing, , J^ planting and watering, and then, after all, looking " ^ to God for the increase. All that our limited power and wisdom can accomplish, it behooves us to do ; and after that is done, there will still remain an abundant scope for the exercise of a trust in Provi' dence." '^'^fe^'^^ r ^Iv Tr- ' =^ .^'eH■- IhrA- Life Intiirance Company. l/ife Ingurance of iSreatcr Moment tKan other ItijBurance. Scarce any one of intelligence at this age doubts the propriety of securing his house or property by an insurance against the possibility of a loss by tiro or otherwise ; and yet this is absolutely of far less importance to the family, than an insurance upon their only reliable property invested in a husband and father, which is constantly exposed to the hazard and uncertainties of life. Should a loss occur in the former, industry, perseverance, and economy will in a few years replace it; in the latter, it is a complete and fatal one, and can never be regained in this world. Truly sad is tliat fate which sbrings with it poverty and want, when the certain- 'ties of that loss by death, shall come to be realized V Earlj Attention to Life Inaurance. Life Insurance should then receive the earliest attention of every one who has a family or friends dependent on him for support. The welfare of those we have sworn before high Hea en to protect, demands it. The oflfspring whom God has given us, •\ and to whom we owe a fostering care, demands it. The welfare of society demands it. The laws of Grod, of man, of human sympathy and kindness, demand it. We owe it to ourselves, to our con- sciences, to all that is near and dear to us, to make such adequate provisions as are within our means, for those who have a right to that protection which the laws of kindred nature claim. Indeed, it should ^be a privilege as well as pleasure to every good ffret citizen ; and in the language of the apostle ^^ ^U t^ \J'' ->^^5 ^=^^ml it than .ge doubts oporty by a loss by tely of far insurance ' gtod in a exposed to juld a loss •ance, and the latter, never be j^^ fate which j^ le certain-^ a^ e realized. mce. lie earliest or friends re of those to protect, s given us, emands it. le laws of kindness, > our con- 18, to make >ur means, tion which J, it should f good a apostle, '/i^r- •K^/--'^^ .- V '^^m^;. . ,.^>^-> ^ .V>«-- / ifA- Life /N.1III iiiirf Coi'i/ttiiiy . " If a man provide not for liis own, and especially for those of liis own house, lie liath denied tlio fiiitli. and is worse than an infidel." But a Small Sacrifice. What niiin is there tliiit cannot spare from his income the small matter of two, four, six or eight shillings per week, and not feel himself any the poorer for it ; or, if needs be, who cannot deny himself some trifling luxury that these would buy, to provide a certainty for those who are near and dear to hini, after the last tie is broken ? Who is there so devoid of feeling, so supremely selfish, so destitute of human kindness, as to add at a last parting, to the anguish and suffering of those to wliom lie is bound by the nearest and "^dearest of all earthly ties, the horrors of destitution, of want, and of misery. And especially, too, whenA' the means are within his grasp, and at so trifling a sacrifice ? Certainly, no one that fully understands what these are, and how readily obtained, who is a \^^ man, in the fullest meaning of the term, will dare to die, and leave his family with only a prospect of want. Indeed, wo hold it to bo a fact beyond controversy, that, with the advantages of the present age, a man has no right to die without first having secured a competency, so far as h« is able, for the wife of his ^S; •^ bosom, who has left a father's house to share in his , g^ troubles, and cater to his happiness, and also for I*' the offspring which God has entrusted to his care. It is not only an irreparable wrong against them, but it is an injustice to civilized society. We speak thus positively upon this subject, because the means are within the reach of all who enjoy a fair proportion of health. The expense is ifar less than most people imagine who have no: investigated this subject. ^C S'^='"=^^^=^ 1:' '{• I ^3> .'Sen- fork Life luiiHriiuce Company. q" All Ma-j? inaurc. Where is the man who cannot spare a small quarterly or yearly sum of money to guarantee his family against the possibility of want .' Not one 'who reads this book — scarce one in this commu- nity, or any other. At least, if you show us such ) a man, wo will show you one who spends an ecjual amount for the indulgence of that most filthy of all habits, the use of tobacco, or some other equally unnecessary one, that neither benefits Lim nor his family. [ But, says one, will you rob us of all our comforts b and luxuries? We answer, no — mosl cmphalicaUy, rA No ! For any indulgence that is injurious to health, and tends to shorten life, is neither a comfort or -sluxury And he who deprives his family, his wife; •^and children, whom he is bound by all the ties of humanity to protect and provide for, of that support which his position so justly entitles them to, does so at a sacrifice of justice, reason and humanity, EviU of not Inauring, Do not complain that we are too severe. But go with us among the poor of our large towns and cities — yes, go with us among the poor in our very midst. Behold the widows and orphans suffering for the want of the most common necessaries of life, made so from a neglect to effect an insurance I'pon their only property, their only resources, now entirely and forever cut off, viz : the life of a hus- band and father. Behold the misery, the want, the suffering, the jold and cheerless prospects, the excesKive toil, the /deficiency of food, clothing, and comforts of life. I (5. I "-^rmmm — =^p- a small irnntco his Not oiip IS coniinii- ' )\v us such s on ('f)unl ilthy of all er equally liin nnr his ir comforts phaticaUy, ■i to hcttltn, comfort or y. his wifej the ties of lilt support in to, docs tinanity , B. But go towns and in our very ^^^ 8 sufferinK'^'^ 38sarieB of insurance urces, now n of a hu8- ifering, the ve toil, the rts of life.i ?^ %*> I /Ot^^- "v^? Vt'l^—v'A'ft ^ 23 J i ^VeH-1'orit- Life Insurance Company. Hark ! hear those dear ones, who once had a fond father to caress them, now crying for bread. Wit- ness the pang that shoots through that anxious and careworn mother's breast, as she raises her eyes to heaven, and with a broken heart and suppliant tone . ,.^ pleads for her innocent offspring. She murmurs IP not ; but she feels that her burthen is more than she can bear. Witness the horrors of poverty attendant upon a neglected widow, whose greatest exertions are remunerated only with a miserable pittance, sur- founded, as she may be, with her helpless children — .suft'ering for the necessaries of life ; and then but for a moment reflect that our own families, our own wives, and dear ones, are daily exposed to the same ;,ad fate, so long as we live without providing a cer- tainty against their fv.ture want. -^ This is not an overdrawn picture. In the capacity -^of a physician for the lust fourteen years, we have, witnessed numerous instances of families reduced to penury and want by the death of a husband and father, whose former circumstances were in every I J f respect as good as many of ours ; and far better than some who imagine themselves rich in this world's goods. WKen ou^Kt an Insurance to be Effected? Now. First, because it is less expensive than it will be when you get older. Second, because, if in health, you will pass a medical examination and be accepted. Third, life is uncertain, and delays are dangerous. . ^u i. In proof of the first, we have only to state that the premium rates, per year, are increasing as you (grow older, so long as you remain uninsuted., (Whereas, when insured, you continue to pay, dunni •3^ I ^ 5*<(' r a^gai^^MflSfrgaUrii&iKMti^:* ■^^::^::^ [M ^ ^^— '-^^^> -ft: § 4^% .A>>«'- i'orA- Life Tnturnnre Cniii/ifiHy. your natural life, the rates por year that arc clmrgc- able at the ace you make the hrst payment. A man at 43 years of age pays as much per yciir for a policy of $2,00), as one at 20 pays for a polii y of $4,000; and at 50, as much for $2,(X)() as one iit 20 does for $5,300. This, with the uccumulatioiis made to each person insured in the form of diri- (/ends, alone offert great inducements to insuring- In regard to the second, no Insurance Company ' F^ will take a risk whore the person applying is not in ' sound health, with a fair prospect of long life. Hence, it behooves all who think of insuring, to avail themselves of its advantages before the ravages of disease have marked them, and rendered their chances of acceptjince doubtful. Third, and lastly What greeter evidence do we jwant to prove the uncertainty of life and the dan-( gers of delay, than a moment's reflection; during which, our own observations and past experience shall occupy our mind ? How many can each one of us call to remfunbrance of mothers, orphans, and dependent parents, victims of the uncertainty of ^ll; life and tiiis dangerous delay? How many, but for ;^ it would have enjoyed a comfortable livelihood, wiio now suffer in abject poverty and want? Do not our innermost feelings respond to the declara- tion that wela^fl arc Wan^erous / Procrastination is the thief of time; disease may come upon you; death may overtake you; and in an hour, when you think not. you may suddenly be out off, and that without a remedy to your family. Wait not then for a more convenient season; crept the boon while it is near, and at the earli ^^. ^ -^ ■ i^..L, ■ ri ^2^ iest^g ig^ kM] 1 e clmrgf- it. per yciir ira pidicy 118 (Ml<> Ut iiulatioiis I of (lir'i- I iiisiiriiif^ Coinpiiiiy ; is not in lonp lifo. uring, to p ravagcH red their ICO do we jj^ the dan-^ »«5 i; during [perienco each one iimH, und tiiinty of > 1^ f, but for velihood, int? Do declarn- / 'Bse may ; and in denly bo family. Heason ; ' earliost^^^ I ^Ve»c- iork Life Ittiuranve Companv. 35! ^ * * iwssible convenience provide lor your own house- hold the means of an honest livelihood when time shall cease to know you more. What if 1 shoulb lie To-ni^Kt? Let each one himself ask that question : — Suppose I were called to render up my stewardship, leaving , this for the world of spirits to-night, what provision liave I made to secure the comforts of life to those who are dependent on me for their daily sustenance ? Would those who are dear to uie be safe from thi' pangs of want ? Would this dear wife, and those aged parents, be ind«ipendent of the cold charities of tlie world ? Would these dear children, committed to my care, have a comfortable liome and the means -N>f education.' Would there be no sacrifices of ^property by forced sales, to mi-et the demand of(^ creditors, or the wants of those I l(>avc^ beiiind im^ .' If we can answer these to our own satisfaction, then are we prepared, so far as they are concerned. 1' to account for the "talent" entrusted to our eare. returning it with usury. V In view of all these facts, ought we not, while in ^ health, surrounded with the comforts of life, und the means within our power, to prei)are ourselves to die at a moment's notici", leaving our families ^ and those dependent on us in us good circum- stances as wo sht>uld ilo, had we l)ut a warning of tlie day and hour iteforehund. Yea. fully prepared. so that at any hour wo can part with our near und di'urest friends, and at any hour meet our GoJ. V**" J> -^v ^^^t'^ ■^^^^wr^^"^^ '^^ ■Mttiint^ '^■v»^,^y>-:jirK''''--^^r*i»^fiiKr^^ KflBSOf^k-WW^tft*!*^** f! I --'^VA»^^^ ^=531 In 10 yr«r.. Age. loj 91 104 OJ 104 16 ■ 04 V) 104 45 ■ Q4 58 '"4 7J 104 91 ■ o; II loj 31 I j4 "- * ^ C^ ^^4.^t>^ Xeif- Tork Life Jnmranre Company. i No. Zv-Annlal Premilms for Ten Yi ars, to secwe $1000. payat:c as inJicaUd, or ot death, if prior. IS z6 27 i8 »9 JO M J» n 34 only. 'jS5Yr«r.. JSO In i In I Ix Ycnra, S5 Y«M, ao Y»«r«. 41 56 41 37 44 " 45 'o 46 oz 51 so ;i 81 $3 •7 53 54 53 95 > 16 ii*, 37 is^ 33 40 S 4' 4t 43 44 ^ 45 v> 46 47 t- 4« y 49 45 97 , 54 40 47 98 , 54 90 49 01 55 44 50 10 I 56 o| 51 11 I 56 67 51 40 57 37 I 53 '') I 58 '1 I 54 91 I 58 96 56 14 57 f>\ 59 09 60 60 61 19 6) 84 6s <7 67 37 69 16 71 15 73 3« 75 49 J986 6084 ' 61 ■/) 58 14 6564 58 39 65 8j 5865 6604 58 94 66 i6 59 IS 66 so 59 *" 66 76 5998 67 06 to 39 67 37 to 84 67 70 61 JJ 68 08 61 87 6849 fii 46 68 95 fij 10 69 41 f)j Ri 6996 f'4 59 70 56 f'S 44 to 37 f>7 39 68 50 69 70 71 11 7' 93 71 71 73 58 74 54 75 58 76 74 78 01 79 39 80 90 81 J4 ■^^^ y^-^^ "^m Ti??»^*r5««»iP»:-T*fff WJ^WJ-^ #K;B»^(**r ;:(■! -ir-*,-*-' i B^^^'^ -AmA',- ^ .Yetf- I'orl ZiJ'e Jmuranre Company. ^£~ No. 3.— Semi-Annlal Pavmfnts. to secure $1000, payable indicattd, er at death, if prior. 15 ~) \ J of. is 26 »7 18 »9 JO jl 31 3i 34 35 J6 37 38 39 40 4' 41 43 44 4J 46 47 48 49 >o 51 51 53 54 Al Dcilh ODty. Ill I In -i 10 j; 10 61 10 89 11 17 II 48 II 80 It 14 11 JO 12 89 13 »9 »3 72 14 '7 14 6s 15 16 15 70 16 28 16 89 •7 54 18 2| ■ 3 96 >9 75 20 58 21 48 22 41 IJ 45 M 54 15 69 2ft 9i 28 24 1965 M 69 ■3 81 '3 95 14 10 14 26 15 9> I" 02 16 1) Ifi 25 16 J8 14 44 >6 53 14 (>l I 16 68 14 84 i lA 86 15 07 17 OS 15 3». 17 26 1560 15 9-^ ift 24 16 tn 17 CO 17 45 '7 49 '7 74 18 ci IS Jl 18 (A 19 oj '9 44 1989 20 )8 20 92 21 51 >9 33 19 42 19 51 19 62 '9 73 19 8s 1998 20 12 20 27 20 44 20 6j 20 84 21 oC) 21 n ji 59 21 89 22 2) 22 60 2 J 02 2} 46 23 96 24 :i »5 13 2$ 80 26 54 »7 35 55 Ji 16 56 J 2 70 57 34 4- 5« j6 JO 59 J8 17 fto 40 37 fti 42 62 62 45 02 ''3 476c 64 SO 37 ^It 65 53 M I In In 1 in » yearn. 15 ,nT>. 10 Ynri. 1 *g<: 24 80 34 33 1 54 04 15 24 87 34 40 54 >o 26 »4 95 34 47 54 17 17 25 04 34 55 ! 54 13 28 »s 13 34 63 54 JO 19 »5 24 34 71 i 54 38 30 15 35 84 82 54 47 3' 15 47 34 93 54 56 31 15 60 35 ci 5466 33 15 74 35 IS 54 76 34 25 89 35 28 54 87 35 26 06 35 41 54 99 36 26 24 35 57 55 12 37 26 45 35 74 55 »7 38 26 68 35 91 55 4» 39 i(")i 36 IJ 55 59 40 27 20 56 36 55 78 4> 27 50 3661 55 98 42 27 84 36 88 56 20 41 28 21 37 18 56 45 44 r\ 28 6t 29 08 29 58 30 14 JO 76 H 44 Jl 19 ■JJ 01 JJ 91 i 3491 ; 36 00 '^?t^ .^^k. 37 51 56 7» 37S'9 57 01 38 JO 57 36 38 y^ 57 7J 39 17 58 14 39 Sj 58 60 4044 59 '0 41 14 5965 41 87 60 25 4169 bo 91 43 <:<) 61 64 44 58 62 45 45 68 '■3 3 3 46 88 64 JO 48 20 65 37 49 '-6 M ^7 8j '■9 26 "°8J ''5; 74 45 .*<} ^ Vmm?^^ *.'a«-^».'«i^i^.-,iClBl!39B'--'' y payable as ^ c X' I ^?wr^->tS| .Yetr-Tork Life Inturance Company, 29 No. 4. — Semi-Annual Premiums for Ten Years tosecure $1000, payable as indicated^ or at death, if prior. i \^ ^.^'i ^ A|'. 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No. s. — Quarterly Premiums /;> secure $1000 payable at indicated, or at death, if prior. *,.. Al nmb In 3fi yMri. In In In WYnn. In 16 Yean. In 10 Man. kVk *l 5 18 698 8 II 9 85 1264 17 50 »7 54 25 26 5 4« 704 8 16 990 12 68 17 5! 17 57 26 »7 5 55 7 II 8 22 9 95 12 72 '7 57 27 60 27 18 5 70 7 18 8 28 ■0 00 12 76 17 61 27 64 28 i9 5 85 7 27 835 10 06 13 80 17 65 27 67 *9 JO 6 01 7 36 841 10 12 12 85 17 70 27 71 30 Ji 6 19 7 45 8 so 10 18 12 92 17 75 27 76 1 51 ]3l 6 37 7 s6 8 S9 10 25 12 98 17 80 27 80 1 52 33 657 7 63 869 10 35 15 05 17 85 27 8j i 12 34 6 77 7 81 8 80 10 41 13 12 17 91 27 90 !4 35 6 99 7 95 8 91 10 52 13 20 17 98 27 59 60 10 57 25 31 38 91 60 61 " 71 34 57 61 6i "94 14 z6 85 30 62 63 36 10 68 64 »s 67 3697 64 65 27 18 37 94 65 S^ I t -; ,i t'.!!LLl!l!«l»„k!l.' =^ yable as kis^ r ^ ■^^-^-^^imu^ ■.'^«->^s JVeH'- fori- Xife Tnturance Company. — -S4f;?tj No. 6.— Qlarterlv Payments for Thn Years, to secure $1000, payable as indlcateti, cr at lieath, if prior. 3, 1 Aj- Al DMth only. In U Y..r>. In 311 Yon. In 25 Ynri. In WYein. 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S6 14 06 »S 77 17 9* 31 41 55 '•*!! Z8 40 31 82 56 57 25 68 28 94 31 z- 57 58 26 55 »9 53 31 77 58 59 »7 47 30 16 \\ 3' 59 60 61 61 28 45 1948 JO 56 30 87 33 9' 34 57 85 30 60 61 61 <>% 31 7> 1 36 10 63 to, J2 94 3697 64 34 14 17 94 ts r ^'^'"'^^^^^'"'^'^ii^i?^ ,.::^ '■N^^V r :? — ^ A'tf- Vork Ziife Iniuranee Company. -*^ ^^pinions of ftmhtent ^tn on IgMt Insnrance. <^i?/ "A PoLicv OP LiFK Assurance it always an evidence of PRUDENT FORETHOUGHT i no man with dependent Tamily it /rii ^U" ' from reproach if not insured."— iorrf Lyndhurst. jj^ " Like Insuranck posituet exclusively the power o/ creating at once an adequate provision agninst tlie destitution of dependents in case of death. The vnluo of this function needs no eloquence of ours to illustrate il." — Professor E. Wright. " I am free to express my opinion of their value, especially to men in the circumstances in which ministers of the Uuspel are. I have wondered that they have availed themselves so little of the advantage of such institutions, t kn< * of no way in which they could so i-^'ell provide for their own wans in advanced years, or of their families when they die, as by availini^ themselves of these advantages." — Kri'. Albert Barnes. *'No matter what may b\. the object of your solicitude— dk assured — whether you are thinking> of tl.c maintenance of general health, or of comfort and competence in your old age, or of the interests of wife ^ and children when you may be no inoic, or of a provision for your boy f when he reaches mature age, or of the happy marriage and the wed- 1 ding portion of your little daughter, one day to be, you hope, .i blushing bride, now a tiny prattling fairy of two or three years — never mind the sulijctt matter — BE assured." — Charles Vickem. " life j-.:isurancc contributes cfTcctually to make life itself longer, socici. 'ppier, the aggregate prosperity of the comniuniiy greater. 4^ o tir -- . . „ „ . „ iSft' .ind jui.t so far -ts it shall extend, while still conducted on .sound prin- ' f''^' ciples, it will multiply the kindly bonds that connect men, while encouraging economy, invigorating enterprise, justifying hope in each \, j iiidiviilual, and shedding the light of a more serene happiness into m.my households." — Kev. K. .7. Starrs, Jr., I). J). " Your afTuirs may become nvilveil, and your property be taken for deijt. Vour slocks and shares may fall in value. But a Policy of Life Insurance can not be taken fm- debt; can not be alienated from your heirs; and if you have chosen your company discreetly, is sub- ject to no commercial risks. It is as nearly sure as anything earthly ' can well be." — Henry Ward Beeclier. P^^^^^J ^^^.^ ■ ^^^«u^| ^^.^''^f^ "T^ ^*^ tpatir. InBttrance. AN EVIDENCE OP ent family is /rit tvi-r of creating at V of litpcHdtnts in I eloquence of oun , cspccuUIy to men isjicl are. I have e of the advantage they could so i-^ell >r of their families se advantages." — Itudc— BK ASSURED general health, or he interests of wife vision for your boy iagc and the wud- be, you hiipc, .i three years — never Dickem. : life itself longer, timniuniiy greater. Led on sound prin- nnect men, while fying hope in each V ne happiness into >^. property be taken But a I'olicy of be alienated from discreetly, is sub- anything earthly h ] r ] r if J » » i R; ' ii ' i'Jg,t: ! agB!J'.-;aj,M^aW-Ji5" ' J I »> ' - ' JiSJ&V.v.^!^4«Ji:^!t ^' '^!ftfcW^''-~W«4^^!tj;''».:a>J:^Utj-'^ ■ll . i.ii-Bi., ^Tiy '• ■ - *» , J 1 I I n I P wfWWWIilPIMii ww ^T