1SG6." 
AMERICAN AGRICULTURIST. 
ir,5 
THE CHARTER OAK LIFE INSURANCE COMPANY, of HARTFORB, miM, 
') 
Assets, January 1st, 1806. 
Loans ou Bond and Mortga^-c of Real Es- 
tate S2S7,127 73 
U. S. Bonds 91,103 03 
State Bonds 00,110 00 
Casb iu Bank and ou hand 23,-lGS 41 
Bank Stocks 171,500 00 
Town and City Bonds and Sccurilios, ap- 
pi-ovcd by State ComptioUer of Couu..327,S50 00 
Accnicd Interest 23,0oa 5G 
Deferred Preniinms 59,501 48 
Premiums duo from Agents, chiefly for 
month of Dec. 123,630 89 
Bills ncceivablc for Premiums 13,039 IS 
Loans on first-class Securiti'-*s 31,173 39 
Premium Notes on Policies in force .504,883 48 
Personal property and U. S. Stamps 7,.50G 10 
$1,5&5,051 84 
Officers. 
JAitES C. AVALKLEY, President. 
N0YE3 S. PALMER, Vice Pkesident 
S-ViMUEL n. WHITE Secretart 
S; J. BE3T0R Ass't Secretary. 
H. M. PALMER, SuPT. of Agencies. 
S. B. BERESFORO, M. D., Consulting Physician. 
THE CH.VRTEa O.-VK. CO., Guarantees 
Annual Dividends o€ 2-3 to 30 per cent. 
NO OTHER COMPANY DOES THIS. 
TJie Charter Oak Life Ins. Co. 
Commenced business in October, 1850, and has 
been remarlcably successful. It has issued over 
19,000 policies, coverinn; insurances to the amount 
of over 840,000,000. It has paid losses to the fam- 
ilies of about 500 of its policy-holders, and iu the 
amoxwit of ^1,000,000, a?Ld ill noiiistaitce has a claim 
been litigated. Tlie editor of •' The Insurance Moni- 
tor and AVall-St Review," says in the January, 
1806, issue of that Journal, in regard to the losses 
Ijaid by tliis company : 
" And all this has been done freely, without de- 
lay or the litigation of a single claim by the company. 
No orphan, no widow has tliereby had her sensibil- 
ity wounded afresh, or ]>oii;'iu\ncj' added to her 
sorrow by being compelled to dispute and wrangle 
for her rights. 
" This conduct does honor to the heart and speaks 
volumes in favor of tiie liljcral policy of the oflicers 
of the "Charter Oak. " They could not have adopt- 
ed .1 better or wiser course. Wiiat man is there 
who would not prefer to invest his savings in such 
a company .is theirs, which, he is assured, will put 
his heirs to no needless trouble or expense, and 
scorn to avail itself of any quibble in order to evade 
the payment of the fruit of his hard earnings to 
those he may leave otherwise unjjrovided for, and 
desolate." 
■ » I ■■■ — 1-» 
Extraordinary Security 
Is offered by the Charter Oak Co , as its well-invest- 
ed capital of .§300,000, is pledged to the insured, in 
case of unusual mortality or other causes, produc- 
ing severe losses. The Stockholders and Directors 
thus have a great interest in the proper manage- 
ment of the compan)-, while the insured have nil 
the benefits of a solely mutual company, being en- 
titled to all tlie profits of the " With Profits," (or 
Mutual) Department, while the Stockholders can 
only receive eight per cent, dividends on the cap- 
ital stock, 
— < «.«■ —m 
The Annual Dividend Plan, 
which ORIGINATED WITH THE CHARTER OAK 
CO., IS the great POPULAR FEATURE of Llfc Insur- 
ance at the present time. By this plan the insured 
receives a Dividend at the second payment of 
premium, while in most Companies no dividends 
are paid until the fifth premium is due. The 
Charter Oak Co. has already paid two dividends 
upon the annual plan, viz ; those of April 1st, 1864, 
ji^N %y vj .t^ ... ..,, 
'^^^>Mv-iM3^->t' 
^«^auaufe:>- _■ 
The fjllowmj ii tl \ if^ fii the puncipal 
cities not mentioned m llie (general Agents list : 
J. T. POMPILLY, Agent for New York, office 
151 Broad wav. 
ARTHUR "MERRILL, Agent for Boston, oflice 
27 Stalest. 
S. W. T. HOPPER, Agent for Baltimore, office 09 
Secondst. 
HILLIARD BROTHERS, Ageuts for Phila., office 
419 Walnut-st. 
■ I - i e»i — ►-^— • 
THE CHARTER OAK LIFE INSURANCE CO., 
OEIGINATED THE SY'STEM OF ANNUAL DIVIDENDS 
to the in.'iJired, and has already paid two dividends up- 
on that plan. 
Ko other Life In.'inrance Company ha.-i yet PAID 
like DIVIDENDS. J3ut it is the only just course to the 
assured. 
and 1865. In connection with this system, this 
Company h.as combined the Tri-ennial dividend 
plan, by which every three years the accumnlated 
surplus is distributed to tlie insured. At tlie time 
of the declaration of the tri ennial dividend, a much 
larger distribution of surplus is made, than could 
be prudently made annually. T/iose who in.iure at 
any time before the Sl.si of March, 1867, will par- 
ticipate in the Tri-ennial Dividend of April 1st, 1867/ 
Insure Tliis Year, 
and at the second payment of premium, you will 
receive the largest Dividend ever yet paid by any Life 
Insurance Co., to t?iose insured for a single year. The 
success of The Charter Oak Co., and its excellent 
condition, warrant this statement. Other com- 
panies have promised to pay annual dividends, and 
doubtless will ere long, but the charter oak 
IS the ONLT COMPANY WHICH HAS PAID SUCH DIVI- 
DENDS. 
The State ISeports, 
which are made annually to the Insurance Commis- 
sioners of New York and Massachusetts, show that 
in all the features, which constitute a safe, and every 
tcay excellent Life Insurance Co., the Charter Oak 
stands in the first rank, and the piiulie are most 
cheerfully referred to those standard reports, for 
proof of the assertions herein made. 
»— i^Oi - .-» — 
The Tables of Rates, 
adopted by this Company, are upon tlie several 
plans now in use, .and are as low as is consistent 
with prudent management. Among the tables are 
the following. For Policies payable at death. 
Premiums payable annually during life. Premiums 
payable annually for ten years, (no payments re- 
quired after ten years.) For Policies payable on 
ARRIVING AT A CERTAIN AGE, OR SOONER IN CASE OF 
DEATH BEFORE THAT AGE IS ATTAINED. Premiums 
p.ayable annu.ally, during the continuance of the 
Policy. Premiums payable annually for ten years. 
Those are the chief tables, but others are given in 
the books of the Company. 
Liife Insurance is an Investment, 
of the safest and most profitable description. The 
man who holds a Life Insurance Policy for $-5000, 
has just as good property to leave to his Aimily, .as 
he who owns stocks or land of equal amount, for it 
is an absolute represeutative of cash duo at a fixed 
The General Agents 
of this Company are comprised in the following list : 
A. M. WARD, General Agent for State of Now 
York. Utiea, N. Y. 
N. B. STEVEN'S, General Agent for Conncctient, 
Rhode Island, and Western Massachusetts. Hart- 
ford, Conn. 
J. W. GODFREY & BRO., General Agents for 
Missouri and Indi.ma. St. Louis, Mo. 
AV.^L II. WELLS, General Agent for Illinois. 
Chicago, 111. 
J. JL SCOFIELD, General Agent for M.-vss., East 
of Conn. River. Worcester, Mass. 
II. P. COON, General Agent for C.difornia. San 
Francisco, Cal. 
HAYDEN & DOUGLAS, General Agents for 
Ohio. Cincinnati, O. 
SPRAGUE & TREDWAY, Gener.al Agents for 
AVisctmsin and Iowa. Madison, AVis. 
LON WE.STON, General A-ent for N. IlampMiire 
and Vermont. Concord, N. H. 
S. H. McALPINE, General Agent for Maine. 
Portland. Me. 
L. N. CLARK, Geucnal Agent for Michigan. De- 
troit, Mich. 
E. H. BERRY, General Agent for Minnesota. St. 
Paul, Mill. 
F. E. GOODELL, General Agent for Western 
Pennsylvania. Pittsburg, Penn. 
E. H. BLAIR. General Agent for Eastern Penn- 
sylvania. Reading, Penn. 
time, or at the death of the person insured by it. 
The safety of Life Insurance Companies is too 
well known to require an}' jiroof. It is enonuli to 
say they are safest financial institutions in the world. 
As a Profitable Envcstnicnt, 
Life Insurance presents many advantages. It is 
certain to return the amount of premiums paid wiili 
a good rate of interest, even to those who live to a 
good old age, while to those who fall short of the 
"term of expeetalioii," there is a very large gain 
above premiums and interest thereon. 
To Persons having' Small Incomes, 
which leave some surplus, but not enough to use 
iu profitable investments. Life Insurance affords a 
most \alnable aid. A man tliirty-two years of age, 
who can lay aside but a little over fifty dollars a 
year, can make sure of $4,000 as a legacy to his 
family, or of about the same amount for his own 
use on arriving at the age of sixty-five years. A 
Life Insurance Co., which will not require more 
than fifty dollars cash for premium of such policies 
as above named, will make investments of the 
same for the insured, and ensure him good returns. 
Liifc Insurance is Yaluable to All. 
Large numbers of the "merchant princes" of 
our large cities have effected insurances of consider- 
able amounts for their families, for they are well 
aware that their wealth, which depends so murli 
upon their own continuance in life and health, and 
upon absence of iiiianeial )ianies, is not unlikely to 
be swept aw.iy in time of pestilence, or crises like 
those of lS.37'or 1857. In sucli cases the avails of 
Life Insurance Policies would become the entile 
dependence of families unused to labor. Tens of 
thousands of all classes among the sober and pru- 
dent have become Policy holders in tlie Lite Insur- 
ance comi>anies, whfise annual receipts and gross 
assets, rival those of the Fire Insurance companies 
of tlie country. The time is rapidly a^jproaching 
when neglect to insure oiie*s life, will be deemed ample 
jiroof of the lack of ordinary prudence. 
lufoi-niation, 
concerning this company, it plans, rates, etc., may 
be obtained by .addressing any of the agents named 
in the above lists. The general agents of the Com- 
pany will also receive applicaticms f(n' local _ or 
traveling agencies in their respective localities. 
Men of i;ood address and character are wanted for 
such positions in all tiie States named in the Gener.al 
Agent's list, and such will find The Charter Oak Co. 
a most desirable one for whioh to work. 
