THE

New York Life Insurance Co.

Begs leave to announce that its Twenty-Year Tontine Policies, issued in 1872, are now 1. maturing, with the following results:

I.

1. Ordinary Life Policies are returning from 20 to 52 per cent. in excess of their cash cost, according to age of insured. (See example below) 2. Twenty-Year Endowment Policies are returning from 58 to 71 per cent in excess of their cash cost, according to age of insured. (See example below.)

EXAMPLES OF DIVIDENDS.

Policy No (1) may be continued for the original amount, at original

rates with annual dividends and the accumulated dividends, amounting to $980.62, may be withdrawn in cash.

2. Policy No. (2) may be continued without further payments, receiving annual dividends, and the accumulated dividends, amounting to $4,820.30, may be withdrawn in cash.

Persons desiring to see results on policies issued at their present age, and further particulars as to options in settlement, will please address the Company or its Agents, giving date of birth.

1.

3. Limited Payment Life Policies are returning from 43 to 141 per cent. in
excess of their cash cost, according to age of insured. (See example
below.)
EXAMPLES OF MATURING POLICIES.
(1.) Policy taken at age 43, $2,000; Cost, $1,402; Cash Value, $1,757-76 2.
(2.) Policy taken at age 30, $5,000; Cost, $4,853; Cash Value, $8,238.45 3.
(3.) Policy taken atage 37,$10,000; Cost, $7,166; Cash Value, $10,338.40
These returns are made to members after the Company has carried the insurance on the 4.
respective policies for twenty years.
II.

III.

The Management of the Company further announce that :

The Company's New Business for 1891, exceeded $150,000.000.

Its Income exceeded that of 1890.

Its Assets and Insurance in force were both largely

increased.

Its Mortality rate was much below that called for by the Mortality Table.

5.
1. Persons insured under Ordinary Life Policies may, en lieu of the above cash
values, continue their insurance, at original rates, and receive CASH
DIVIDENDS of from 71 to 115 per cent. of all premiums that have
been paid, and annual dividends hereafter as they accrue. (See
example below.)
2. Persons insured under Limited Payment Life Polices may, in lieu of the ARCHIBALD H. WELCH, 2d Vice-President;
above cash values, continue their insurance, without further payments, RUFUS W. WEEKS, Actuary.
and receive CASH DIVIDENDS of from 67 to 163 per cent. of all
premiums that have been paid, and annual dividends hereafter as
they accrue. (See example below.)

A Detailed Statement of the Year's Business will be
published after the Annual Report is completed.
WILLIAM H BEERS, President;
HENRY TUCK, Vice-President;

346 AND 348 BROADWAY, New York.

Published every Thursday. $5.00 a year in advance, including postage to the United States and Canada. Postage to foreign countries in the Portal Union, $1.04 a year, extra. Single copies 10 cents. Back numbers can be had by applying to this office. Vol. I., bound, $30.00; Vol. II., bound, $15.00. Back numbers, one year old, 20 cents per copy. Vols. III. to XVII., inclusive, bound or in flat numbers, at $5.00 per volume.

Subscribers wishing address changed will greatly facilitate matters by sending old address as well as new.

Rejected contributions will be destroyed unless accompanied by a stamped and directed envelope.

OR fear that the multiplication of

FOR

patent processes for the extirpation of the rum habit may cause unwary individuals to suppose that it is no longer a strenuously undesirable habit to acquire, LIFE finds this a reasonable time to speak a few words on the subject of temperance. Other temperance lecturers and foes of the demon rum, have spoken exhaustively about the disadvantages of inebriety, but not half enough stress seems to have been laid hitherto on the great inconvenience of being compelled to reform. Yet there is no phase of the rum question over which intending or prospective drunkards may more profitably brood than the great loss and inconvenience that results to inebriates from being incapacitated to enjoy the reasonable pleasures of drinking.

THE

O

F course, cocktails are detestable things to drink, at all times, and thrice and /four times detestable in office hours;

but there are occasions when one's feelings seem to demand some reasonable disarrangement of the insides as an aid to expression. Per

haps it is a survival of the old habit of sacrifice that prompts a normal man to celebrate joyous occasions by some disturbance of his vital organs. At any rate there is no doubt about the prompting, nor yet that the most feasible and ordinary expression it finds is in taking a drink-which is probably the foundation for Byron's celebrated aphorism.

T is a pity about the man who cannot conscientiously take a cocktail whenever a long lost friend returns. It is a discomfort to him not to drink the baby's health at the christening; not to raise a brimming bumper to the bride at the wedding breakfast; not to roll back a decade or two when he sits down the night before commencement with the remnant,

TOT still considerable, of the band who

were young when he was. So far

as this disuse of reasonable daily potations goes, the reformed man is no great loser, but possibly even a gainer, since the doctors are coming more and more to the opinion that, regarding merely the necessities of man's health, little or no alcohol is plenty enough for him. But with the great occasions it is different. There are not many of them. Not often at all does the conscientious workingman hear nunc est bibendum ringing in the familiar tones of his still, small voice. If he has had to reform, alas for him! for that pleasing invitation is stilled forever. There will be no more occasions in this world when he may lawfully cheer his heart with wine, and when his truest friends may rejoice to see him at it.

HERE is a pretty general agreement of the authorities that a man who has once thoroughly abused his privileges as a wine-drinking animal, never can regain them. He can stop drinking altogether, but a moderate and wholesome use of wine is something which he may not safely attempt. If he does attempt it, conscientious persons will not like to drink with him, for of course there is no pleasure in sharing the cups of a man to whom alcohol, meshed in whatever sunshine, is a poison. A reformed drunkard is a great deal better than a drunkard who has not reformed, but, beside a man who has never needed reforming, he is a second-rate thing. One considerable source of legitimate gratification he has used up. There is a weak spot in him, and he must so govern his life as to keep it from undue exposure. If his long lost friend whom he hasn't seen since he left college THE difficulty with Chili is still on.

happens into his office he cannot go out and have so much as a cocktail with him.

To reform is indefinitely better than to be the creature of a perverted thirst, just as amputation is better than to succumb to gangrene; but the amputated limb is permanently off, and the undeniable inconvenience of not having it is an excellent argument in favor of taking good care of it in the first place.

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If Mr. William Lloyd Garrison would tackle it, and bring it to some kind of a head, he will incur the thanks of a grateful people.