CAPITAL 



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A twenty payment life policy for $1000 at the same age 

 costs $29.98 a year. The cash surrender value of such a 

 policy at the end of twenty years is $504.59. At the end 

 of twenty years one is insured for life for $1000 without any 

 more payments. The actual amount paid or cost of such 

 a policy taken out twenty years ago was $478.93 above the 

 annual dividends. 



A twenty year endowment policy for $1000 costs $49.21 

 a year. At the end of twenty years this policy has a cash 

 value of $1000. 



The ordinary life and twenty payment life are the most 

 popular policies. Let us see what one would get for the 

 same yearly payment with these two forms. A twenty 

 payment life policy for $1000 at 25 years of age costs 

 $29.98. This same annual payment would pay for $1489 

 of ordinary life insurance. The comparisons are as 

 follows : 



It will be seen that the same payment will carry nearly a 

 half more ordinary insurance. It is to be expected that a 

 farmer will be able to pay the premium after 20 years, and 

 so continue the larger policy, but if he cannot do so, he will 

 still have a paid up policy for $680.00. Having settled 



