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Lorsque le document est trop grand pour dtre reproduit en un seul cliche, il est film* d partir de Tangle sup*rieur gauche, de gauche * droite, et de haut en bas, en prenant le nombre d'images n^cessaire. Les diagrammes suivants illustrent la m*thode. 1 2 3 1 2 3 4 5 6 :iii!t. •ail iHir:: ji,::: ii iiili!: ■,;i.".' Ei;;: » ■ ' if'-' k ■■ "':■ ii ii ^ liif IS- ;.-'■■ Ih-j fr rOK MUTUAL LIFE A^iSURANCL, t r*l TliJ:: :i 1 ■ "I % ^ ->'--'5I ^^t' "'M ■' .!» « HEAD OFFICE, HALIFAX, N, S. nr . ' ; ' . -ii m i wi ' (■i wii 'ii mm i . f ^iw -n T.rrr - ti "WJ i H n i i i i i^^^ [PROSPFXTUS.J! to. ■ jttfi" iv I- I'l'v- -tiritu itii ^tt** HAT I FAX Nova Scoiia PkimiN(, Lomi'vny, 1S74. '' t ANNUITIES, ic. * :<' ' ^^ ' .o . ' TV . •' :j\k. zy-' ti- ^' ■ ;^»:^-. » , ' : * . ' -. ' ^j ->»r-«-s.*->~»-^?-^ ,1, likclv to IjtM'oin*-* liiisl);in(|> and fiitlicrs) to make inHtvisiuii , ^i 2. liv I Ml-; Vmi \G, ht'CMUsc till; sniMier ail A^^uiaiict' i: * ln'iiim, rin* Icjwcr ^ill !)»• tin- lO'.inimii. ami lli«' iirt-atcr the (\ acc'iiiiiiilatc'ti |)r()('i:>. '^ .'{. Hv J III: ()l,J» : li'-fjiusf lifi' i> tluMi iii«)i«' Jll■^;^•JU•i^•ll^* ai 'l tlic hiMU'lits more votinin-d. \ \s M viuji \i',v. Con ruAci -. ti. >t'cui-e tin- tiTin- ot'r u- . ♦ (* o. Uy I^K.vr>r.u>i am> Ckkih loio. to«oin|'<'nsai«- tli<- lo>- (*> which the death ol' tln'ir tlc'Iitor.- luiyht oeeasioii. ^ Assurances should be effected, • 1. By IIcsijands vnd Faiiikus; (and all \vh<» are ever •, for f h<'iiisel\e«i. thiir wives and iliiJiirtMi \: ' settiemcnl. '■>. liv niunon'Kits ANi» Di iu«>K>^. to .secure, in ease ol • leatli a fund to jt.iy tiieir debts. () 7. By ll(H.i)i:i;> ur Li,asi>. de|»rinleni on a life or \ lives, to provide a tiind. to meet the fine, inerease ol rent or . \ loss of capital Nvhieli niav ensue. I* 8. By Exi'K«rA.\rs of Pi{oim;kiy in Ivkvkp.S'ION. to (i insure it against euntiiiirencs . (i 9. By PuKciiA.sKi{,> (jf .\sM;im>oN inbi.ivi> oi ^\ oTiiKus, to secure the capital laid out. (♦ 10. By Pautni.ks, to pro\ i (I e against lo>s incase c^f a |' S{ Partner's death \{ 11. By ALf. Vt'i!«i iiAVi: a Pkctxiaky iNxnjF.sr in *<', o TiiK KXisTKNCK uF A f. o vr U <»■ Li ACHDiA j?R0VinENT:AS30CiATI0N, l';rorpor?tc.l by Sreria! C^a'-lT, 30th Ar!!!, 187.^. I 1 t !»• , !■: ; .iV ' o( a l IN :***ee» ■' rt. ' i»!!:j;4 Tints «. Ill-- I!"-.-.! r 1 Hi;. ( iiiv 1 ill.;- Ai;'!!; :; Ai i!, Tf', mi1( nt. r C. Ihi.i , i;-.,.. \'i. • i':- 'Ar'Ai. I !■ i!. .1 I- :.! Ml Ml N ■!: nil r. S !i;U.->v Ji' u. I'. y\' "o I' I'M,., I !•. u ;>.. .M.i;.r.'-. i;. Moll. .1 \ M ! .All 1 t.iN \i !i. « I. ( '. .1. r.. .M'':'vM-,, . K- j. M ';iir'i'.! -v. ( •>. > I. S. M M 1.! ■^•.. I- I W. y\. II AilUN'.lMN. i:s:] >\ -M'. '..'■:- (;•:",. Iv..|. !■:. <'. 'i''.-,-\'\ :. i:>.L I'll! i; !;■• -. 1,-M. Hon. 1». 3:i\i!i. I'AKtl.i;. .M.I>., .'M.K.C.S.lv l'.v:ii)tln!n<; IMi.^sivlan : vr. T,. Si AMI H, Ks ;., M.i»., M.i; c.s.i:. }Ion. .Tani'* M< 1).'NA! i>, n ( ' ll;iiiK<>i"s : Th): Ml >;< iiAM>" *>' .vK. Maiin,^ing Director :~E. E. ANDREWS, Esq. -a HT W«.tb.n>. L nor forr be wht slig • mg ^nuWa f roviilfnt giisjifltuition. ^O every right minded man, the future comfort and mM. ^ welfare of those who are dependent upon his exer- ^^ ,^ tionsL, and win anc, by tbe tics of Natare nearest 'W^ and dearest to liim, in the event of his being taken away by death, are necessarily a cause of deep anxiety, and it is this anxiety which, whilst it leads him to provide' for their preseat liappiness, also iaduoes hiui to endeavor by all the means in his po^er, to make a provision by putting away every year, a certain portion of his earnings, against that day when they shall be depri/ed of their best friend and Natural protector. There are various ways in which these savings are invested, some in the purchase of houses and real estate, others in Mortgages, Bonds, Stocks, &c., but all have the same purpose to aceomplish, namely, th«t they may be both secured and increased, in order that they shall be suffi- cient when required, for the support of those who are the objects of their solicitude. Life Assurance is a contract between a Society on the one hand, and an Individual on the other, that in considera- tion of the pa ment of a small annual sum by the Latter, the former will pay to his heirs, representatives, or whoever may be appointed to receive it, a certain amount at his death whenever that inay happen ; or if he prefer, it may, by a slightly increased payment be secured to himself on his attain- ing a given age, or to his representatives in the event of his 4 ACAniA rilOVIDKNT ASSOCIATfoN. (lyin;:; boforo n':ic!>inf» aaiil a;io. It will tlu'ivforo hv. .•cen at once, that tliore is no (►tlier plan which alFonls socasy, safe and speedy a way of aecoiDjilishin;; such desires, as liil'e Iiisuraueo, whi(;h is purely a l>enevoloi»t eut, becauf-e the funds of the Society arc invested onbj in jijood and approved securities. It is <»/)^^r/// because the instant the preniiinn is paid the object is att:iine there that can show such a result ? In addition it is \\n advanta;^e to the Insurer himself, as it affords him great peace of mind and enables hin» to attend more energetically and vigorously to the duties he has to j>ertorni, when he knows that come what may, those he loves best are lully cared and provided for, and in this way tran- quility of mind increases the strength of the body, and together they lengthen out the thread of life and tend to make it a blessing. Tostimonios in fav'or of Life Assurance. IIkv. C. II. Spukgeox says: "We are told to take no thought for the things of the niorrow, for the moin>w shall take thought for the things of itself. It is a positive command that we are to take no anxious thought concerning to-morrow. Now how can I do that ? How can I put myself into such a position that I can carry out this connnandment as to taking no thought for the njorrow ? If I were a man struggling in life and had it in my power to insure for something which 9 - ti 9i. '•'•;lin;; in ACAniA IMfOVlDKNT ASSOCIATION. d would tr\kc oiire of inv wile nne 1 loved jironnd mo unprovided for. Let it he in (Jods word, I could not practiee it, I should 8till 1)0 at some time or olher takin*^ thoii}4ht for the morrow. lint let me jjo to one of the manv exeellent Insti- tutlons that exist and see all Is provide«l for; I come home and say, now I know how to piaetiee Christ's command of takino- no tliouidit fi^r the n\orrow. I p;iv the Ptiliev money once a year, and I take no further thonendent families, rescued by their means from the bitterness of poverty and the degrada- tion of charity." Bkn.jasiix Fuankt.in wrote in 17(10, " A Policy of Life Assurance is the cheai)est and s;ifi'st mode of making a cer- tain provision lor one's family. It is time our |x;ople under- stood and practised more nrenerally Life Assurance. Alany a widow and or]>han have had p^reat reasons to be grateful that the advantage of Life Assurance was understood, and embraced by the husband and father. LoHi) LvNDiiuiisT, one of the Lord Chancellors of Eng- land, gave it as his opinion, (from the Woolsack) that a Policy of Life Assurance is always an evidence of prudent forethought. No man with a dependent family is free from reproach if uot assured. Loiu) BuLWER Lyttox, in giving his testimony, says: " This dutv in relievinj; the mind Irom care lor others, to whom we owe the forethought of allection of>en relieves the ^ O 6 ACADIA PUOVIDiCNT ASSOCIATION. body of many a gnawing pain, and sometimes to the surprise of the most experienced physicians, prolongs life itself." J. K. McCuLLOCii s!\ys : " The relieffrom anxiety aflford- ed by Life Assurance very frequently contributes to prolong the Life of the assured, while it materially augments the com- fort and well biding of those dependent upon him." CuARLKs Dickens says: "No matter what may be the object of your solicitude, — be Assured. Whether you are thinking of the safety of your life l)y land, by railway, or by sea, or of the unbroken condition of your arms and legs, or of the maintenance of general health, or of comfort or of com- petence in your old age, or of the interests of wife and children when you may Ix; no more, or of a provision for your boy when he reaches mature age, or of the liAppy marriage, and the wedding portion of your little daughter one day to be, you hope, a blushing bride, now a tiny prattling fairy of two or three years, never mind the subject matter, — be insured." Rev. Henry Ward Beeciier, says : " If Life Assurance were a mystery of finance, a speculation, a lottery or ven- ture, a substitute for industry and frugality, or in any way a presumptuous distrust of Divine Providence, a good man might well shrink from it. But if it be founded upon sound principles, if it deals not in uncertainties, but with sober and carefully ascertained facts regulated by natural laws, and is as conformable to scientific truths, as is any ordinary busi- ness of the Mechanic, the Merchant, the Farmer, then there can be no just scruples at Life Insurance, and it becomes a matter of prudence and thus ot duty. Once the question was ♦ can a Christian man rightfully seek Life Assurance ? ' That day is past. Now the question is, ♦ can a Christian man justify himself in neglecting such a duty.'' I ■« 1 surprise elf." ty nflord- 3 prolong the com- ly be the [• you are ray, or by legs, or of r of corn- wife and ^vision for he hAppy i daughter w a tiny he subject Assurance r or ven- 1 any way good man pon sound sober and ws, and is narv busi- then there )ecomes a e question jurancc ? ' istian man ACADIA rUOVIDENT ASSOCIATION. 7 The Acadia I'uovident Association was Incorpor- ated by S|)t'('ial Charter olUaiiu'd (i'oni the Provincial Legis- lature, on 30tl) April, 1870. Though there are many Life Assurance Conipauies doing business in Nova Scotia, yet until this Association was organized, there was not one ingle Socivii>f.xt Association believin;^ as tliey do, that the time lias fully come, when we ought to add a Life Assurance Society to the existing list of native enterprises, (which already includes Banks, Fire and iMarine Tnsiu'ance Companies) with every confidence, appeal to their fellow citizens to aid them in making this truly National undertakinii the foremost Assurance Society in the Country, which can easily be accomj)lished, if each one Avill act as if the success of the Association depended iipon him alone, and in taking out new Insurances instead of patroniz- ing those who are in no way connected with us, we give our support to TiiK Acadia Puovidknt Associatiox, one and all determining to do what we can to build up our Home Institutions which have the first claim uj) )n our symnathv and encouraijeuient. Il tliese Forei-xners find it 80 profitable a field for their laboi-s (which tlu^y do or thoy- woidd not be so niady to rush into it) how mucli more advantageous must it prove to keep the moneys at homo and use tiiem for our own benefit. Anothcir consideration is, that the Charter places the Gov- ernment 'of this Association in the hands of the Members who have the sole control of the funds through their elective representatives, the Directoi-s who retire by rotation every year, being re-electiid (or others elected in their stead) by the vote of those present at each annual meeting, the accounts being at the same time presented. It is further provided that the Association shall be based on tlic purely ^lutual i)rinciple, that is to say the whole of the Profits belong to the Members, and shall bo divided amongst iheui at stated limes, which fimds or profits entirely arise out of the accumulations of the premiums of the mem- bers, there being no Stock Capital, therelbre no Stock- holders to draw away any portion of the profits from the X' a , tlie Pro- DC lATION when wo tin;:; list of , Fire and ice, appoiil this truly iety in the 'h one will upon him t' patron! z- n;ivc our TioN, one lilil up our uj))n our lers find it do or thoy- luch more homo and s the Gov- Members ir elective tion every ad) by the e accounts II be based le whvjle of )e divided its entirely r the mem- 11 o Stoek- s from the ACADIA rKOVIDKNT ASSOCIATION. 9 Assured. It is necessary howi'vcr to bo clearly understood that lIiou;^h this Association is ibunded on the Mutual princi- ple, pure and siinj)le, yet there is a provision in the Charter that no [x'cuniary liability shall rest upon the members beyond the jjcriodical premiums as they become due. The successful workinj; of the Mutual principle has been fully established by the e.N[)crience of such offices as Tiie Scottish AVidows* Fund, which commenced business in the year 181j, and now has an annual income of S3,40u,UOO with an accumulated capital of S27,975,000. The National Provident Institution, founded in 1835, and which has now an annual income of §2,1SG,720 and an accumulated caj)ital of 810,025,280. The United Kingdom Temperance and General Provident i Institution foundetl in 1840, has now an annual income of SI, 274, 203 and an accumulated capital of S7,478,4G5. The ]\Iutual Insurance Company of New York, founded in 1842, has an annual income of $17,710,091.54, and an accumulated capital of S58,550,059. The Connecticut Mutual Life Insurance Company has now an annual income of 89,754,420.99, with an accumu- lated capital of $34,9;{6,141.13. These flourishir.ir Societies commenced business without any fund whatever, the premiums constitutinp; the sole source whence these immense accumulations have arisen. The names of others ecpially successful might have been ,; given, but these are quite suflicient to show to any thiidcing ] mind, the fallacy of supposing that in order for a Life Insur- |ance Society to be able to meet its claims it is necessary that * ■ • ■ |a certain amount of Stock should be held by a few indivi- v'duals. There having never vet been a failure of a Life i . 1 1nsurance Company, but has arisen through reckless and I extravagant expenditure combined witii gross and ujnorant ), mis-management. O 9- 10 ACADIA I'HOVIDKNT ASSOCIATION. The principles of Life Insurance have been so often and so exljau>tively discussed, and its lienefits so generally fiihnitted that very little remains to be said upon the subject' the great (juestion allccting each one being in tcJnit Societ'/ will it be best for me to assure. It will therefore bo only necessary to enumerate a few of the leading features o^ The Acadia Pjiovident Associatiox. There have been no new, startling and speculative scliemes introduced merely to draw business and to catch the unwary, the main object of the projectors having been to bring the benefits of Life Assurance within the reach of all classes of our countrymen, in order that the poor man who can only afford to Assure for a small sum shall not be excluded but shall reap the advantages of his providence, as well as the man who Assures for thousands. The dealing with those lives which are consided below the average, and yet are not altogether uninsurable, has long been a very great dlfliculty with the Life Assurance Socie- ties, and it has been customary to add 3, 5, 7 and even 10 or more years to the age and charge the premiums accordingly, and as a consequence many refused to take up the Assurance altogether, whilst others with very great reluctance paid the premium, feeling in their own minds (the opinion of the Doctors to the contrary notwithstanding) that they are first class lives, thus it is that " all men think all men mortal but themseves." With a view to meeting this difficulty, the Directors have adopted an Equitalsle plan of treating: 2nd and 3rd Class Lives which was introduced several years since by one of the most flourishing English IMutual Insurance Offices and found to work very satisfactorily, it being alike just to the Assured and to the office. The plan of operation is this, instead of charging an increased premium, to issue the Policy at the \\J J ■|jrteJ|^l?^aj«P^,- JM I '^ > 'i often and on it, which Dividend is applied to the payment of the lai '.r i)remiums thus enabling the Actuarv to fix an ajre when the amount of the Policv shall be payable to the Assured himself. This aj^e would necessarily, in the first instance be. remote, say for example's sake 7G. Each successive Dividend would make it payable nt an earlier age than the previous one, until the last age is reached when the sum Assured will be paid. In the event of death happening before the age fixed upon is reached, then the amount of the Dividends declared up to the time of the decease, will be added to the Policy and paid with it. Days of Grace. One Calendar month, is allowed for the payment of all yearly premiums, 15 days for half-yearly and 7 days for quarterly. If a member die during the " Days of Grace '' ■€te~ an foi de I of of rer fac of cas I 1 ■^. e iho ])orio(li- ) the Physi- •oiu tlie first e conditions uKike them *olicies after ppliedatthe :)f the future ; rolicy pay- ACADIA PROVIDKNT ASSOCIATION. 13 I and before the preniiuin aid according as fho Policy has been tak»n out for 5, 10, 15, 20 or SO pay- ments. For instance if a Policy be for Si 000 by 10 yearly payments, and the premium be discontinued, the sum assured would be as follows : — If only I years premium has been paid SlOO " 2 " " 200 " 3 " " 300 And so on a tenth being added for every additional premium received. Free or Faid-iip Policies. If after 3 years premiums have been paid, a Member wishes to surrender his Policy, or if from any cause he should be unable to continue his payments the Directors will if required grant a Free or Paid-up Policy for the whole amount of the premiums paid in, which Policy will be pay- able in the same way as the surrendered one would have been had it continued in force. Volunteers and Militia. No Policy will be invalidated by a member serving in any Volunteer or Militia corps within the limits of the Dominion. Suicide. After a policy has been in force 2 years, the death of a Member by Suicide will not in any way affect the settlement of the claim. Payment of Claims. All claims are payable according to the conditions of the Policy, within 30 days after the receipt of satisfactory proof of death. © ACADIA TROVIDKNT ASSOCIATION. 15 prood for as ieths of tlic iccording as ) or 30 pay- )y 10 yearly sum assured SlOO 200 300 f additional , a Member ,usc he should ectors will if the whole will be pay- j would have liclieviiii^ ill the adaptation of Life Assuiance to all classes, an Industrial Brancli lijis been added in the hope that the class it is intended to ^benefit, and wiiich class has hitherto been neglected, na nely, the Working Class will embrace tiie opportunity thus offered them to provide, by a small payment for the support of those who are dependent upon them, and who would otherwise be feft to depend for the supply of the Necessaries of Life, to the |»old sympathy of Charity, in the event of their being called way by death. Any amount may be Assured in this department from S50 *p to S500 [i The premiums have been calculated for monthly pay- jbients, but can bo paid eithei yearly, half-yearly or quJlr- icrly if preferred. I All claims in this Branch are paid immediately^ on satis- ^ctory proof of death being furnished, and the claim has been dniitted. i !r serving in i raits ot the e death of a le settlement dSi litions of the factory proof \ -9 «» 16 ACADIA I'UOVlIHiNT ASSOCIATION'. THE ANNEXED TABLE WILL SHOW THE EXPECTATION OF LIFE FROM 10 TO 70 YEARS OF AGE. 1 Age. 1 1 Expcctiuicy. i 1 Age. 1 Expectancy. , Age. Expectaucjr. Years. Years. i YearH. 10 48 31 1 33 51 20 11 48 32 33 52 19 12 47 33 32 53 19 13 4G 34 31 54 18 14 45 35 31 55 17 15 45 36 30 56 18 16 44 37 29 57 16 17 43 38 29 58 15 18 42 39 28 59 14 19 42 40 27 60 14 20 41 41 26 61 13 21 40 42 26 62 13 22 40 43 25 63 12 23 39 44 25 64 12 24 38 45 24 65 11 25 38 46 23 66 11 26 37 47 23 67 10 27 36 48 22 68 10 28 35 49 21 69 9 29 35 50 20 70 9 30 34 1 m Expectancy. 20 19 19 18 17 K) IG 15 14 U 13 13 12 12 11 11 10 10 9 9 ACADI.V TROVIDKNT ASSOOIATIOX. TABLE I. Whole Life with Profits. 17 YEARLY, HALF-YEARLY, QUARTERLY AND SINGLE PREMIUMS TO ASSURE $1000 PAYABLE AT DEATH. Age. Yearly. iiair- Yi'iuly. (Quarterly. Single Pietuium. Age. $ Ct9. $ cts. 6 cts. $ cts. 20 IC, S3 8 (57 4 .38 277 10 20 21 17 25 8 88 4 49 'JX2 21 21 22 17 tiO 9 11 4 GO 2M7 52 22 2:j 18 14 9 34 4 72 292 99 23 24 18 8 18 53 9 30 4(50 37 44 4,5 37 49 19 31 9 75 471 42 45 4(5 3!) 10 20 14 10 17 4S2 74 46 47 40 79 21 01 10 (51 494 28 47 48 42 ()0 21 91 n 08 501 : 02 48 49 44 49 22 91 ] 1 57 517 9G 49 50 4(5 50 23 95 12 09 .530 10 50 51 48 (!3 25 04 12 (;5 542 42 51 52 50 89 2(5 21 13 23 .554 90 .52 53 53 30 27 45 13 8(! 5(!7 54 53 54 55 83 28 75 14 52 5S0 32 54 55 58 52 30 14 15 22 .593 24 53 r>r, (51 39 31 G2 15 9(5 (iO(! 27 50 57 C.i 44 33 19 1(5 7 5 (519 41 57 53 r.7 G9 34 8(5 17 (50 G:{2 05 58 50 71 13 3(5 (13 IS 50 G45 98 59 CO 74 82 38 53 19 40 059 37 GO CI' 18 ACADIA PROVIDENT ASSOCIATION. TABLE II. Endowment Assurance with Profits. ANNUAL PREMIUMS TO ASSURE $1000 PAYABLE AT DEATH, OR ON ATTAINING THE UNDER- MENTIONED AGES. 4 < ; ! * 1 C >5® > ca 4|S avable heath age 60. to ** ►- ^^ 5 °- H. « ' cs o ^^S - ^sfe S ets. ^^^ ^c $ CIS. $ Ct8. ^ ? cts. $ Ct8. $ cts. 20 [>2 72 44 36 33 82 il 21 22 ><7 19 96 18 04 20 21 68 14 47 29 35 <;5 J8 44 23 74 20 (!4 18 .58 21 22 74 42 50 58 37 63 .'9 76 24 69 21 36 19 16 22 23 81 76 '54 25 39 81 i\ 18 25 70 22 11 19 86 2.3 24 JO 4y 58 41 42 20 J2 73 26 78 22 92 20 41 24 25 1 OO 98 B3 14 44 85 ^4 41 27 94 2.3 78 21 09 25 26 . . . . B8 56 47 80 M> 25 29 19 24 67 21 81 26 27 74 85 51 09 iH 25 30 .'54 25 68 22 57 27 28 R2 22 54 79 40 45 32 00 26 72 2.3 38 28 29 >0 93 &8 95 12 86 33 57 27 84 24 24 29 30 1 1)1 43 (« 69 45 54 3.5 28 29 05 25 16 30 31 • * * 69 14 ' 18 50 37 15 30 33 26 13 31 32 • • • 75 43 , 51 80 39 18 31 72 27 18 32 3.7 • • • • 82 80 i5 51 41 40 33 24 28 28 .1.3 34 • • • 91 53 i 59 70 43 m 34 86 29 48 34 35 , , . . . 102 03 54 46 46 5r) 36 02 30 75 .'iS 36 . . . • ■ > ( 59 !>2 49 56 38 54 .S2 13 36 37 . , * > > ■ > • 76 23 52 90 40 64 33 61 37 38 , , . • . • • . *3 62 56 56 42 93 35 20 38 39 , , » . . )2 38 60 90 45 46 36 93 39 40 . , • • • • ■ > ! K 32 91 65 72 48 25 38 80 40 41 , , * • * . . . . < < 71 25 51 26 40 86 41 42 , , • < • . • . , , 77 65 54 81 43 09 42 43 , , ■ * • • • t , . 8.5 14 58 69 45 .55 43 44 , , • • • , , 93 99 63 07 48 24 44 45" . . . . • . • • • , , IM 65 68 04 51 21 45 46 , , < ■ ■ • • < , , • • • • 73 71 54 49 46 47 . • . • ■ . • * * . , • • • . 80 24 58 12 47 48 ■ • < • < • , , • • . • 87 86 62 17 48 49 « . • < 1 ■ • • t 96 84 66 70 49 50 ■ • a 1 • < , , 107 59 71 83 50 51 • • • • • • • * * , , • ( • • 77 66 51 52 • * . • ■ ■ • • • , . • • • • 84 34 52 53 • ■ • • • • • • * , , ■ t • ■ • • ■ ■ 92 11 53 54 ■ • • * t • , , ■ • • • * • • . 101 24 54 56 1 .... .... 112 14 55 II i ■< 20 21 O- r. 'ts. £LE AT * 05 a ^ ^ $ rt8, IH 04 18 58 19 1(5 10 86 20 41 21 09 21 81 22 57 23 38 24 24 4) 25 16 26 13 27 18 28 28 29 48 30 75 :<2 13 33 (il 35 20 30 93 38 80 10 m J3 09 5 55 8 24 1 21 49 12 17 6 70 83 66 34 P 11 '4 I 14 i .8 1 i 20 : 21 ! 2'' I 23 24 I 25 , 26 i 27 I 28 j 20 I 30 31 32 3;i 34 35 30 37 38 39 40 41 42 43 j 44 I 45 46 47 48 49 50 51 52 53 54 55 I ACADIA PKOVIDKNT ASSOCIATION. 19 TABLE III. Endowment Assurance with Profits. HALF-YEARLY PREMIUMS TO SECURE $1000 PAYABLE AT DEATH, OR ON ATTAINING THE UNDER- MENTIONED AGES. a i 1 ^^1 1 = d Death a-e GO. tf ^ 1> 0. < C. as (^ 'SS a,«u 0. i -M u n, * CS ^ 1 -•-• u ? cts. i % cts. $ cts. j I CtH. i 5ctr<. $ cts. $ CtR. 20 : VI 31 2.2 85 17 42 14 01 11 78 10 28 9 29 20 21 : 35 09 24 5.T 18 36 14 (i5 12 23 10 13 9 57 21 58 33 25 89 19 38 15 33 12 72 11 00 9 87 22 23 12 10 27 W 20 50 16 06 13 24 11 39 10 03 23 24 16 60 30 08 21 73 KJ 86 13 79 11 80 10 51 24 25 52 00 J2 52 23 10 17 72 14 39 12 25 10 86 25 20 i3 31 24 62 18 67 15 03 12 71 11 23 2fi 27 i^ 55 26 30 19 70 15 73 13 23 11 62 27 28 12 'A\ 28 42 20 83 16 48 13 76 12 04 28 29 tt) 83 30 3G 22 07 17 29 14 34 12 48 29 30 52 24 32 80 23 45 18 17 14 96 12 96 30 31 » > • > 35 61 24 98 19 13 15 62 13 46 31 32 • • • 38 85 26 68 20 18 16 34 14 00 32 33 43 64 ' 28 59 ' 21 32 17 12 14 56 33 U 47 14 . W 75 22 59 17 95 15 18 34 35 • • . 5 2 55 . ?3 20 23 98 .3 86 15 84 a"> 36 • • • , 35 91 25 49 19 85 1(! 55 86 37 • • • , 39 26 27 24 20 93 17 31 37 38 • ■ • . 13 06 29 18 22 11 18 13 38 39 • « • • , 16 19 . 31 36 23 41 19 02 30 40 , 53 00 . 33 85 24 85 19 98 40 41 ( • • , . • . 36 69 2t 40 21 04 41 42 t • • • , ^ * 39 99 28 23 22 19 42 43 * ft • , • ft • i3 85 80 23 23 46 43 44 • • • • , t • • • ' 18 40 32 49 24 84 44 45 . • * , \ 53 8t> 35 04 26 37 45 40 • • • , ■ • ■ , ^ , 37 96 28 06 46 47 • • • , ■ • • , , 41 32 29 93 47 48 • • • , • « • , , 45 25 82 02 48 49 • • • , • . « , , 49 89 34 35 49 50 • * • ^ , , 55 41 36 99 50 51 • • • . , , • • • • 40 00 51 52 . • • • , , , * * • • 43 44 52 53 • • • , • • • . , ■ • B 47 44 53 54 • • • « • • • , , 52 14 54 55 . • • ■ • . , . • . • 57 75 55 -« <»l« 20 ACADIA ritOVIDENT ASSOCIATION'. TABLE IV. Endowment Assuiance with Profits. QUARTERLY PREMIUMS TO SECURE $1000 PAYABLE AT DEATH, OR ON ATTAINING THE UNDER- MENTIONED AGES. aj .S lO 3, "S © t .C.O . 'J «" -r S-" •Is-^ ti. J'^^t •71 it i> rtir ?p ■*, ;-,- ?!^ i;-^- «^t3S &-- 5 $ Cts. $ Cf8. $ <;t.H. 20 It) 31 11 54 8 N) 21 17 72 12 30 !) 27 <(■> 19 35 13 15 9 79 23 21 2i; 14 11 10 35 21 'S.i 53 15 19 10 97 25 20 2tj It". 42 11 00 2'! • • * • 17 ^3 12 43 27 19 4 49 • • • • 50 • * • ■ 51 , ^ 52 • * • * 53 • t • • 54 • • • • 55 ... * 7 08 7 40 7 74 8 11 8 51 8 95 9 42 9 57 10 52 11 15 11 84 12 r.i 13 47 14 44 15 52 10 70 18 18 19 82 21 74 24 02 20 70 $ cts. 6 95 6 17 42 6 08 97 7 27 7 59 7 94 18 9 00 10 19 10 77 11 41 12 11 12 89 13 70 14 71 15 84 17 09 18 53 20 19 22 14 24 44 27 21 flS. 19 37 5t; 75 9 39 0!) 19 17 20 80 22 85 25 18 27 98 « * « $ pU. 1 4 09 4 83 4 98 5 17 5 31 5 49 5 07 5 87 08 30 54 80 7 07 7 3(5 7 67 8 00 8 36 8 74 9 15 9 00 10 09 10 03 11 21 11 85 12 54 13 32 14 17 15 11 10 17 17 34 18 08 19 35 21 93 23 95 20 32 29 10 to 20 21 •>') 23 24 25 20 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 40 47 43 49 50 n 52 53 54 55 « o ACADIA ri:OVFI)F.NT A.SS()( lA TION. 21 TABLE V. Li mi tec/ 1^ umber of Payments luith Profits. ANNUAL PREMIUMS FOR A GIVEN NUMBER OF YEARS TO ASSURE $1000 PAYABLE AT DEATH. THE POLICY CONTINUINQ IN FORCE AFTER THE PAYMENTS HAVE CEASED. Arc. rayal.le for 5 years. 10 Years. 15 Years. 20 Years. 25 Yoara. 30 Years, S cU. $ I'tS. § rt..*. $ (•t.'». § ct.-*. $ oU. 20 f.9.52 :J8.74 28.67 23.81 21.02 19.27 'J I 70.!t») 39.54 29.28 24. .33 21.48 19.70 '22 72.38 40.35 29.88 24.84 21.94 20.13 '.'3 73.82 41.15 30.51 25.30 22.42 20., 5! > 'J4 7r>.3l> 42.04 31.17 25.96 22.93 21.07 •25 77.01 42.97 31.88 26.. 5.3 23.47 21.. 58 •M 78.75 43.96 32.64 27.17 24.06 22.13 27 80.. •57 45.01 33.44 27.. "4 24.67 22.71 28 ^.44 46. OS 34.24 28.. 53 25 . 29 23. 30 29 84.34 47.16 35.06 29.23 25.<>4 23.93 30 86.28 48.26 35.90 29.99 26.iil 24., 55 31 88.24 49.40 36.76 30.70 27.22 2,5 ''2 32 90.27 60.. 57 37. (!6 31.47 28! 00 25! 89 33 92.35 61 . 76 .38.. 57 .32.26 28.73 2ii.6l 34 94.51 53.01 39.. 53 33.09 29.51 27.. 36 3.5 96.74 54.30 40.53 33.96 30.31 28.15 3!) 99.04 55.62 41.. 54 34.86 31.16 28.97 37 101. .38 56.97 42.60 35.78 32.03 29.82 38 103.76 58.35 43.69 36.73 32.94 30,74 3i) 106.21 59.78 44.81 .37.73 33.87 31.68 40 108.71 61.25 45.96 38.77 34.. S7 32.68 41 111.31 62.80 47.20 39.88 35.94 33.74 42 114.03 04.42 48.49 41.05 37.07 34.89 43 116.88 66.13 49.85 42.28 38.28 .36.16 44 119.82 07.91 51.28 43.60 39.55 37.40 4.5 122.87 69.75 52.79 44.98 40.92 38.79 4t; 126.00 71.65 5 1. ,34 46.42 42.35 40.24 47 129.16 73., 59 .55.93 47.91 44.83 41.79 48 132.. 37 75.56 .57.. 59 49.47 45.40 43.42 49 135.65 77.61 .59.. 31 51 . 12 47.07 45.14 50 138.99 79.72 61.11 .52.85 48.82 46.98 51 142.44 81.92 63.01 .54.69 50.71 48.95 52 146.01 84.24 65.02 .56.65 .52.74 51.07 53 149.69 86.65 67.15 ,58.74 ,54.91 .53.. 35 54 153. -17 89.18 69.40 60.98 ,57.25 .55.78 65 1.57 -37 91.80 71.78 03.29 ,59.74 .58.39 56 161. .",6 94.. 5-5 74.29 65.89 62.41 61.19 57 165. 40 97.43 76.93 «8.61 65.28 64.16 58 169.66 100.45 79.74 71.. 52 68.35 67 36 59 174.01 103.61 82.73 74.65 71.65 70.78 CO 178.49 10G.91 85.90 78.00 75.20 74.43 22 ACADIA PROVIDENT ASSOCIATION. TABLE VI. Without Ptofits. AmfUAL PREMIUMS Age. 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 62 53 54 55 56 57 58 59 60 1 Year. S cts. 7.91 8.28 8.30 8.35 8.41 8.45 8.55 8.63 8.97 9.29 9.05 9.89 10.12 10.30 10.03 10.97 11.38 11.83 12.22 12.59 12.88 13.10 13.41 13.91 14.44 15.23 16.17 17.13 18.04 19.01 19.94 20.83 21.93 23.25 24.66 2'i.29 28.06 29.9!) 32.03 34.42 37.08 FOR TEMPORARY ASSURANCES OF $1000. 3 Years. $ cts. 8.28 8.32 8.34 8.42 8.45 8.47 8.64 6.95 9.29 9.00 9.88 10.12 10.30 10.63 10.98 11.38 11.80 12.20 12.55 12.85 13.13 13 46 13.91 14.50 15.26 16.14 17.08 18.03 18.96 19.90 20.86 21.97 23.23 24.67 26.27 28.04 29.95 32.04 34.41 37.06 40.00 Years. $ cts. 8.32 8.42 8.50 8.58 8.73 8.95 9.21 9.50 9.78 10.08 10.37 10.68 11.01 11.34 11.71 12.07 12.42 12.79 13.15 13.57 14.06 14.63 15.32 10.10 16.95 17.86 18.81 19.79 20.80 22.00 23.25 24.64 20.20 27.93 29.86 31.98 34.32 30.92 39.74 42.82 46.12 10 Years. $ cts. 8.47 8.64 8.77 8.91 9.08 9.30 9.53 9.88 10.19 10.51 10. S4 11.15 11.46 11.80 12.15 12.63 12.94 13.40 13.89 14.44 J5.04 15.71 16.44 17.27 18.17 19.17 20.24 21.37 22.^^9 23.92 2.5.36 26.97 28.28 30.77 31.98 35.39 38.21 40.82 43.86 47.11 60.60 A] -© 1 '9 ACADIA PROVIDENT ASSOCIATION. 23 TABLE VII. Immediate Annuities. AMOUNT OF PREMIUM TO BE PAID TO SECURE AN IMMEDIATE ANNUITY OF $100 TO COMMENCE 6 MONTHS AFTER PAYMENT. Age. Premium. Age. Premium. $ cts. $ cts. « 10 2007 70 43 1441 70 11 1998 20 44 1416 20 12 19S6 50 45 1390 10 13 1972 80 46 1363 50 14 1957 80 47 1336 60 15 1941 70 48 1309 40 16 1925 20 49 1281 70 17 1908 70 50 1253 60 18 1892 80 51 1224 90 19 1878 00 52 1195 50 20 1864 40 53 1165 50 21 1851 30 54 1135 10 22 1838 40 55 1104 30 23 1825 10 56 1073 10 24 1811 00 .57 1041 70 25 1796 10 58 1010 00 26 1780 40 59 978 00 27 n64 10 60 945 90 « 28 1747 40 61 913 80 29 1730 40 62 881 80 30 1713 10 63 850 00 31 1695 50 64 818 50 32 1674 40 65 787 00 33 1658 70 66 755 70 34 1639 50 67 724 30 35 1619 70 68 692 80 36 1599 4© 69 661 00 37 1578 60 70 629 30 38 1557 50 71 597 90 39 1535 80 72 567 20 40 1513 50 73 f;37 TO 41 1490 40 74 509 70 42 1466 40 7& 483 30 9 O- «^- 24 ACADIA. PROVIDEXT ASSOCIATION. Industrial Branch. 1 MONTHLY FRE5IIUM TO SECURE $100, PAYABLE to <; Pi 1 ;:: u I P.' 20 21 *».> 24 25 2(5 27 23 2'J 30 31 32 3;} 34 ;!5 3li 37 3S 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 r.7 58 59 CO S cts. .16 .16 .17 .17 .IS .18 .18 S cts. .57 .62 .()« .75 .X3 .93 .19 .19 .20 .20 .21 .21 .24 .2o . 25 .26 .27 . 2S .29 .30 .32 .33 .34 •3<". .37 .39 .41 .43 .45 .47 .49 .51 .54 .56 .59 .(\-> .6; I .? Ct.s. .41 .43 .46 .50 .53 .58 .63 .6; I .76 .84 .94 _£?_ S cts. .31 .33 .35 .37 .39 .41 .44 .47 .r,o .r,i .:','.) .64 .69 .76 .85 .94 .■=d •^ lO ^d •S iri -5'-^ ^ o b'-^ «'f o » Oi o 0. o U V '~. 'U ^ sc '^ io ^ -t "* r. "^ IS ^ si ■> .:» .37 .40 .42 .45 .48 .51 .55 .60 .64 .70 . 77 .85 .95 $cts. .21 ■ )•> .23 .24 . 25 .26 .27 .28 .29 .31 .:;3 .34 . 36 .38 .41 .43 .46 .49 .52 .56 .61 .65 .71 .78 .86 .96 Sets. .18 .19 .20 .21 .21 .22 .2.3 .24 .25 .26 .27 .28 .29 .31 .32 .34 .35 .37 .39 .42 .44 .47 .51 ..')4 .58 .62 .68 .74 .81 .89 .98 !■ Sets. .17 .18 .19 .19 .20 . 20 .21 .21 .23 .24 .25 .2(; .27 .28 .2!) .31 .32 .34 .36 37 .40 .42 .44 .47 . 50 .53 .57 .62 . 66 .71 .77 .85 .93 03 1 Lx.\Mi'i.K. — .\ perxMi a<^ey a monthly puyiiiciit of 20 cents can as.sure •'?10(), Xo ho \r,\h\ at hi.-* tleatli; or by a rnontlily iiayinciit ot 94 cents hi' cm a-suic SlOO to bo paid at his death or to himself if he attain tlio ajre of 40. mor (C' hivt •f, whi l'^' lit as.s (b^^ ! * !r/ )Oio./j„ . >,e TfZ ':}^'-j... j^w:^-'^- y:~':'~'Ji-"':^:.yj(~-iy.y::f. ThoH.$Iits for Thinking Men. Inddstuy. Tkmperaxck and Fokktiiougut, are tlio ;'. I' ^'4 Lri'aiid sources of earthly prosperity. Mi No nuiii, who can provi^le lor his own, hi\> a right to leave O rhoni (lependtMit on others. Every man can aoeuniiilate by spending a little loss than he earns. , , Small savings in earlv life have led to the nrnkinj; of large S fortuncis. 'V rie who lives within his income is rich, however humble J) h:s condition. ^ ' Let no man say he is unable to save, while he spends but ( i a cent a week in a needless indidjjence. H Poverty is tar oftener a matter of choice than necessity. Let a man resolve to rise in the world, and he, will not be (V, without lawful opportunities to do so. ' * The Public House, the Saloon, and Tobacco Shop, absorb (. (' more we dth, anil produce more misery, than all other causes (i of poverty and wnjtchedness. Our laboiu'ini; men are the workin;^ bees of the social f 0' hive. Let them not waste the lioney gathered in summer, ^i ^which may be needed to supply the wants of winter. By the principle of Lite Assurance, every man may bene- fit himself, while enjoying the consciousness, that he is A vf* assis^^insr to benefit others. U }S ('• }S f g^' -Dd-'X' ^jtr^ -o!' :'">-jDoi'-X 'g ': ' : ' ^DC -' 'X''jg ' ■/\ if I t ' r; ■S34f ,t«tt[?J w«-» nsb