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* —■ . « 111 ■■'■ll. ■■ ■ - nil ■ ■■■ - ~ „„ , -B "THIEI imru"-'- Mwou—amn ERFW’W’I JVWWBfWM 2FTTNU /%» OPERATED E'V TM.E THE STATE MUTUAL LIFE AND ANNUITY ASSOGIATION \ OF ROUE • / All / Jr g VdTX That Provides an Annual Income To The Member In Old Age To The Widow During Her Widowhood. The Children During Their Minority.' A system of life insurance at the lowest cost consistent with perfect security, which in event of death provides absolutely and unconbitionally for the maintenance and comfort of a dependent family. It is earnestly desired by thousands of the people of moderate means 01 by those who believe that they can invest their surplus money to better advantage than by depositing it with a corporation under a con tract of forfeiture in event of death, or lapse prior to the completion of the investment p?riod. As a policy of fire-insurance ispurcnased upon the home in order that the means may be forthcoming to build another in case it is destroyed by fire, so a noiicy of lif® in surance is taken out to support the wife and educate tne children, should the death of the husbana or parent deprive them of t hese com torts and advantages. . 1 That the payment of a large sum of money to the benefici-, ary of a deceased policy-holder does not always accomplish this | object is a source of deep regret, but nevertheless true. Thou-] sands of instances are recorded where a b< d in - estmenf, the fail ure of a bank or trust company, or the bad advice of some trusted friend, has forever swept away the insurance money or the prop erty, and left both widow and children to stiuggle with poverty] and destitution. To prevent los- and to provide a certainty of | comfort and independence for a long term of years, The State Mutual Life and Annuity Association was devised The system provides an annuity to be paid quarterly if to widow luring her wridoyvnood ; if she dies, to the children, severally, until they reach the age of 21; to the member at old age, or in case of disa bilifry. This system alse provides that annuities are paid in fur on completion of 14 to 20 annual payments. Annuities are issued for $200.00 and up to $600.00. (See rate table.) The advantage of an annuity policy is that it will support your family for a long term of yeers, will educate your children and' cannot be borrowed oi stolen. It is the safest known system of life insurance, as an excessive death rate does not call for ini mediate payment of large sums of money, and the death rate of every company adjusts itself to mortality tables in a term of -■ - • years. It costs less than any other reliable system of life insur ance; the same amount of premium will secure for your benefi ciary more money than could be obtained under any other form of’policy. In the old world this annuity system has oeen in vogue since tha year 116 S and no failures, viz: Ihe Count of Winton So ciety ; organized 1168, Lord Evans, 1358, Society of Linton, 1708, and many others. All of the foregoing are now operating in Great Britain. The Member In oid age Th® Widow , . . . Dining Her Wjdowhood The Children .... Durirg their -Minority The Father or Mother . . Dur ing their Lire The Memberln Case of Disability In the event of your death, what incame have you provided for your family? Probable reply: I have $2,000.00, $3,000.00 or 15,000.00 life insurance. This will bring ah income of SIOO.OO per; year in the first case, $l5O 00 in the second, and in the third, if invested at 5 per cent. Can your family live on any of i these amounts? If not, a rapid decrease of insurance will follow-.! 1-or what it is costing you to provid for your family after death, an annual income oi SIOO.OO under your pi esent plan, you cam se cure $400.00 under the annuity fund system, as operated by the State Mutual Life and Annuity Association. (See Table of Rates. ) Ihe State Mutual Annuity Association is issued upon the premium plan, its object being to furnish protection pure and simple, di»t sted of all artificial investment features which unnecessarily burden the policy-holder without increasing iis security or profit ; and yet it has. all the safeguards surround ing the insured known to science, capital and honest purpose, b What We Propose. An annuity in old age. In case of death, to your father or their life, to your widow during her life or widow lieV severa 11 y reach the age of ' r . 10 COMPARATIVE COST. The Association’s Schedule of Rates for this Class COMPARISON ——— ——-rr r --- ===--■= of Policies for Each S2OO Annuity. | ‘ 1 invest- Component Parts of Pre- { Component Parts of Pre- * ' Cost ofjpayments madelip- " /“would A „ e Annual* I nnai’^’ Q A U^ r i a mium on S2OO mium on SI,OOO Life JU a WOOAnon arriving at ages ( ee S2OO ge ’ A Premium iniun AgC - Annuity. I Insurance. Age. nuity in named below. Pre- Ag( mnum. 1 icmium. mium, i urn. would co-1' 0 23 IK 72 936 468 23 C ? « 2 & ' OI $ MlB I S - W £ < g X £ , < ‘*l Sis ‘M, vrs i 01 c - j 1 *"•’ -h 4 *J.> " ' - • ■ - *} 10 .1 Is' -cl! 28 49 82 991 4 9-. 26 $ 7 95$ 3 31$ 700 118 24 21 '5707562055 33 $H 6" 21 "5 ™ 2 C 3 •• " “ I -S 1 27 29 94 32 5 ■ ■ 27 799 49 7901848 22 713648}549 11 1> 22 ■C ZJ? 24 18 96 63 “ 6 “ "4 M * 28 I 1 80 1083 541 1803369700187223 .722.6 74 5 sl| 1 • 23 S’ MB "7 iq-«0 63 “ To “ WJ-r -’ 9 «32 ;11 16 29 Kl7 379 700 18 96 24 7 31'7 02 56 7 2 24 : ’6 19 8" 64 *• 1 “ : “.r sin ’ 30 21,28 11 64 5 ■ - 30 K 32 398 7001920 25 741 731 5 78! 1 25 KZ feSI 07 ioul 61 “ 5•• 1 ‘‘7 WOO 31 23 52 11 76 r >KK :.l 8:17 4 4370019 82 26 752761587 1 1 .'26Zr 73 28 21 60 64 “ 9 " M 88 40 92 24 90 12 00 « 32 8 4;> 5V ' 71111 20 «' 27 7 HI. 792 591 ’1.." "7 "2 32 65 r '‘ '* 9ft ft" J 83 24 48 12 21 6 12 33 K 59 601 700 21 60 28 , 776 825 609 !> 2.S T— 30 -7 28 65 “ 4 “ -m 01 ■> 34 24 96 12 48 624 34 K 76656700 22 32 29 789 8 59, fl 22 -> 7o 2.1 31 "3 aS i 65 » 8 <« 91 96 7, 35 25 98 12 84 642 35 K 93 735 700 23 28, 30 , 802 8 95, 633-! 3. 30 „jJ .. « 9899 36 26 10 13 05 653 36 9107 42 7002358 .31 815934651 2. W 3l 33 24 48 66 “ 3 “ -(•' lie* on 3| 29 3 993 37 3 - 1 ‘ '*> 'OO 24 00, 32 832 972 6 66j 21 70 32 rSI ' Vl3 34 24 96 “ 6 “ "i 15 " 38 . 29 90 13 45 973 38 942 890 7902148 33 , 84910 13 6852550 33 - l£a 35 25 68 66 “ 9 “ 35 108 I 39 27 13 79 685 39 9638 33 7 °" 24 96, 34 87310 50 7 01126 30 34 WT 3? 36 £ » 67 “ 1 *• .3« ?9 0 40 27 " 13 898 40 »85883700 25 B 8 35 88311 01 723 i 2710 35 gjg J® 37 "* ' 67 “ 4 “ - na 4 1 28 59 14 25 71 3 41 19 99 9917 00 29 1,1 36 901 11 5.3 7 46 ! 28 00 36 'ST ■3B "6 90 67 “ 7 “ "S r’o 42 29 14 14 57 729 42 10 33 9 17 l 709 28 37 91912 97 7 742900 37 JW 1 5- J ... « .< J.-, 9 43 29.6 14 88 744 43 ’0 64 926 700 28 90138 94012 62 7983090 38 40 "7 90 68 “ “ in ' 5; i 41 30 48 15 24 763 44 I' l » 3 94770027 40 39 9601322828 31 10 39 41 28 r >o BS U r •* 41 43 3168 ].> 81 792 45 11 9<M 7002790 40 9 B'2 13 SOl 852322' 40 WL 42 -X) 14 68 “ 9 “ 42 VfS Wi 46 32 61 1G 32 816 46 11 64 990 7002850 41 10 05 14 54, 8813340 4 1 TP 4:j 7 «) 76 1 fin - | 138I 38 89 47 33 On 16 80 840 47 12 00 10 14 7002914 42 10 30 15 25 9153470 42 Art 44 30 48 69 “ 3 “ 41 150 00 48 35 28 17 64 882 48 12 41: 10 ;i5 7002976 43 10 61 15 95 9513610 43 88 JW 45 oi fig fii <• r 4 h 49 37 20 18 60 930 49 12 ,>c070030 48 44 11 05. 16 83 9823750 44 tel 46 32 64 69 “In “ t 50 39 80 19 8,1 990 50 13 3'.. 1129 70036 as 45 11 54 17 31 10 25 39 10 45 tiSZ 47 33 oo I 70 •< , .. I7 91 41 76 20 :-8 10 44 51 j 13981106,7 00 32 M 46 12 11 17 97 10 62 40 70 46 WT 3" 48 35 '»8 70 - 4 » 48 177 So 52 44 18 22 U 94 52 14 84 11 98 l 7903390 47 12 75 18 64 11 11 42.50 47 TM 49 720 70 “ 8 “ 49 185 60 33 47 28 23 94 41 82 53 15 28 13 92 i 7993528 48 13 44 19 33 11 63 44 40 48 50 39 60 70 “ 11 “ 50 MM 38 84 23 32 12 66 54 J 3 44 20 7003720 49 14 17 20 06 12 17 46 40 49 51 • 41 76 71 “ 2 “ ! '-.'l .>O3 -Ml 55 34 72 ' 27 39 13 08 55 I 9 9 ‘ I-' 93 700 39 t'n .50 15 00 20 78 12 72 48 50 50 ffy 52 44 16 71 “ 6 “ ' "In 36 38 89 29 49 14 70 56 1 7 " 9 I 7 I 7 70041’d 51 15 89 21-53 13 38 .50 80 51 Ts*. c7 Z 53 47 28 71 “ 9 “ 53 f ""3 no 37 93 38 31 68 15 84 157 18 91 18 ” 790 44 16, 52 16 8(1 22 29 14 15 53 30 52 WC 54 50 «4 72 *• 1 “ -j ~n'l mi 58 68 1 R 34 08 17 04 38 49 99 20 68 70047 28 53 17 92 23 08, 14 90 55 90 53 TP 5s y ™ 4? .. t .. : 4 5 34 89 59 73 20 36 60 18 30 <59 20 88 22 76 7605"64 54 19 05 23 90 15 75 58 70 .W ** ' 56 58 80 72 “ 9 “ 56 259 20 , 77 "" 38 39 49 23 1 319 1 22 “2 2433799 ? 73 ■? 20 30 24 73 16 37 61 60 55 R 2 58 !68 16 73 >' 5 » -8 -+OO and £6OO annuities, respectively, two and 25 61 30 75 700 63 36 57 2307 20 so is 03 os-X’ 57 59 73 20 73 “ 9 “ VI on" so three times the above. 27 53 33 63 7006516 58 24 65 27 42 19 73 -7180 58 2? 60 t 77 00 74 “ “ 1 60 1 : ifi on 88 38 34 7097329 59 29 35 28 37 20 98 75 70 59 M ---I t'-JS— Z*. OWJE 32 03 37 97 70077 00 60 28 29 29 27 22 34 79 90 69 ' Annuities of S4OO and sllO3 respectively two and three . *m... times the price of S2CO. Annuity of S4OO and S6OO, respectively, has g*. i three times the price Os S2OO. JS 7 ' * - I N°te that the mortuary and reserve element of | the S2OO annuity is far in excess of same in old line on SI,OOO, *8- ~ ~ w „ w „ * u * if V u W v & v 'f V JJ V I ! y jz V I \! V '/ v M V y v M V U V }) V V V U V '■) y J V V V 1) V V V 1/V V V V > the price charged by old line insurance companies. See our eftered under the annuity system of old time companies. At age agents and investigate plan. ' o _ Payments completed in from 14 to 20 years, ac ording to age. o,) 011 can Purchase an annuity of s(> )0 per year for $77.73 per • iw r A NIMI TI r r\7 annum, paym< nt completed in 20 years. Should you die, tb s /> i 11A VJ 11 Y amount wovld be paid q larterly to your wife throughout her li f e S2OO is equal to an investment of $ 4.000 or wid °whood, or to your childred until they reach the age of 21 ®Qbiai to an investment of •$ 8,000 years. Ihis amount yisrly (600.00,; would equal the interest at SBOO isequal to an investment of $12,000. t ,, AAA 5 per cent on $ 12,000. Advantages of the Annuity System. a2O P »ym.m Hiey ot i.;s»r»n f e i OT $12,000 «t » g e 35 Every $200.00 annuity in the State Mutual Life Annuity would cost $404 16 anuu illy, This is burdensome to the average Association equals the incop-.e on an investment of $4,000, at 5 . per cent. Every S6OO annuity equals.sl2,ooo at c per cent. usurer, even ont-hidf of it, but the former is not. z-» • f ■—« a Investigate and find the most up to-date ami progressive Special Features, insurance As secure as money in bank. |1 he State Mutual Life And Annuity A sure protection to old age. • A ccnr inf inn Dnmo ( ■ Protects the widow and children alike from want and their J’Vicl L1 111, Ul IyUIIIC, vJcl« funds frem the specious schemes of irresponsible investors. Numbers io its directory several of Home’s most successful and solid 1h e i.itis aie as ow as is consist tint with absolutes as e ty. biq> mess min, with Ihe ability, had it I e”!! 1 * dee med a d visa I de, to Remove an ever present dread of indigent old age. make a stock company of this Association, with a capital of half a Protects its members in case of total disability. million dollars, but it was decided to make it a '‘policy-holders’ cona- The most perfect, secure and economical organization in ex- P Rnv ’ hence its qualification under the mutual and (o-nperatiye laws isteuce. 'd this state, which gives to the insured its entire funds outside or The annuity system of this organization will stand the hft P ortion forex P«nsaa. which is made inflexible. The insurant strictest investigation and the criticism of the mast scientific tUL ' ds COl,s, ; t mortuary and reserve J Kee n * experts and also note thst this element ot premium for a $200.00 annuity rpi ’ , e • v •. i -w . ■ bir in excess of the same elements tn old line insurance on SI,OOO. > Ihe expense of management is limited. Extravagance im- an evidence that this Association charges in advaute all that is 0" C ' l,J 1 • ed to meet its obligation*. Having no large sunn. to pay for in.* I ’.' SK&JBK WFTIb gflh f JWk i"w ''ears, the iliter* st on the premiums collected will pay its o-s p h I *Twßo' c&JiF KF'® ES IMh B ■ ihese reasons, the “assessment bug-bear is a ‘‘dead issue” in re -mce i his Associat eh A thmigh its contain the ern* How much money are you earning or making? Insure your gency or assessment clause required by law, andithe words J“ou th ’ i;r.. M.. c,.ni. o -ii • i i . ~ , assessment plan” will be printed on ail of its litera ure. w,.ich is > ’’ life foi such a sum as will yield at o per cent a similar sum, and requ i re(l by aw, but.he Slate Mutual Life ami An.mi v YOU will know that your wife will always be comfort ible and ’ tltPre tbe ins'irance held io win strictly upon its me-iis, so e** n>"’' the goods offered, a.,d also note in tlm emergency clause, <n al , your children educated. The system of the State Mutual Life and policy-halder is liable for anything more than and 9L '' t nan is ( oujwiil find it to your interest to give on: agents an audi e