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PUBLlsnKD DAILY AND TBJ-WUSRLI. .
^ JULIAN A; SELBY,
. KDITOa AND PBOFBIBTOB.
?ifloe OH Main Street, above Taylor.
? ? ?
?"Book and Job Printing of every doe orip
ion promptly ?s? raiahfuRy attsnMcu to.
AD VE BT in EM KN TH
inserted ba the Daily at 76 oents per square
for the first and 50 cent a each subsequent in?
sertion. Long advertisements by tho week,
nonth or year, at r?asonable rates.
'Dally, six months', 14 00; Tri-Weebly, a SC;
Dedicated to Gotor nor Caldwell, of Non h
J?aud tanara mali, disco suceHrr?rsmt:sris,
flol reconstructed rebols, come!
Gome to the aid of Yankeodom;
Como tc the rescue of bor sons,
8hes, m ?thors and little onos.
Thuir growing crops and houseG burn'd,
Thoir towns to desert wastes all turn'd,
Hores, oattle and stores of grain,
In smoking heaps upon the plain.
.The golden cit? of the West,
Bhe, too, baB fallen with the rest.
Her stately palaces no moro 1
Tower above her lako-bonnd shore
Tho wealth of yesterday, to-day
Is scattered to the winds away.
D?V38 and LazaruB sit together,
A? peaceably as lamb aud wutuor,
Upon the self-same grassy bed;
Both waiting to be oloth'u and fed.
Tho one of ?11 bis wealth bereft,
Thu other with bia nothing loft.
Ser maids of faabiou, lat? array'd
In robbs of rioheot hne and ehado,
Bat yesterday all bright and fair,
WHh glittering diamonds tn their hair,
To-day, in muan attire we seo,
Lamenting o'er their misery.
. frond millionaires who went to bod,
To dream of million* moro ahead,
Awoke 'midst roaring fl ?moa and smoke,
To find their guidon vaaea broke,
And all the wealth they bad in atore
Gono, all gone, forevermore.
Bo hops beguile?, so dreams deoolvo us,
So freaks or fortune ol times leave ns.
lint want is slight whone'r 'tia brief,
And euro to-morrow bringa relief.
Now swiftly ovor lako ana loa,
And o'er the bottom of tho sea,
On lightning wi re a the n*iws has sped,
"Chicago must be clothed and fed!"
From ev'ry city andev'ry town,
Long trains of oars all loaded down
With money and provisions, moro
Than would cover Rhode Island o'er,
With rapid sneed rnsh'd on their way
To the gr??t burgh of yesterday.
From o er the ocean, too, a sum
Of countless thousands soon will c.ome;
Enough to dry all tears of pity,
And build anew tho golden city.
"LOOK OH THIS PICXUBH, TUEN OH THAT."
Hail COLOMBIA, happy town,
With all your palaces burn'd down.
Hail Ca roi i nal happy land;
Where Sherman and his plundering band
Laid your fair towns and homesteads low
And filled the land with want and woo.
Hail little oity on the ''Taw."
Whose crumbling ruins "tell of war,"
Four cottages and vino-clad bowers,
Rare evergreens and choicest flowers
Aro gone, and noto tho thistle growB
Where bloom'd tho lily and the rose.
And sadly sighs the evening breeze*
Through sbatter'd walls and leafless trees;
Hail, Carolinian td seized and bound,
Bent North to toil on prison grouHd.
Hail, rebels alli with taxes press'd.
And send what's left on to the WEST,
Where, bot a few short years ago,
Thousands of fires were mode to glow
Bonfires (so-calI'd) to celebrate
COLUMBIA'S fall and fiery fate.
Brigham Yoong was heard from last
Tuesday, making his waj nuder mount?
ed endort tu 3?. George, on the Booth?
era border of Utah. It is stated he has
positively left Salt Luke with the inten?
tion of never returning.
Georgia Lime and Fertiliser Company
OFF BU their BHELL LIME to the planting
publia in full confidence in its excellence
M a '
It waa extensively used the past season on
Wheat, Cora and Cotton, and bas given entire
satisfaction, as is shown by a number ot
sertifloates from some of the cost planters in
Georgia and South Carolina.
Om* price a for Fertilizing, or X Lime, it $16
ter ton cash, put np in osaka or barrels, de?
vorad in the city of Aagnsta or at any land?
ing on tho Savannah River. Tho prioe of our
III, or Mason's Lime, is (2 per barrel, de?
Evered as above.
We are agents for the celebrated "Stonewall
Cotton Fertilizer" and "Pare English Dis?
solved Bone," whioh we receive direct from
Kogl&nd, and can offer to the publio at re
. saced prioos. COLES, BlZBR A CO.,
i No. 14 McIntosh street, Auguata, Ga.
.Agent, Tuon: B. 0LAUK80N, Colombia, 8.
*it__. _Pot 13 Gmo
CHILDS & WILEY
ABB daily rooeiving the finest READY
MADE CLOTHING, for old and young
gentlemen, that have ever been offered in this
market. No custom-made oan surpass, and
bat few ean equal thom, in stjlo. sud finish,
We sell tho best, at lotver rates than those
who don't buy from tho manufacturers diroot.
We keep the Star and Trae Fit constantly
.a hand, and will take orders for halt dozen
?r more, and warrant a fit.
UNDER-WEAK in ali varieties.
"OVE8-Leather, Back, Kid, Dov, Rat ?nd
Bargains tb be had in GLOVES.
' 'fc WEAR-all styles. Plain and fancy
\d Paper COLLARS,
and Collar BUTTON8-Gold and
.Ute Greenbacks at par for all
.HE undersigned have re
4 their Btablos to the new
*g, immediately Hunt h of
? Hall, and, with a new
\ro prepared to au?
ra ade upon them,
\ are invited to
noes made on
VOE * 00.
CITIZENS' SAVINGS BANK
Deposit? of gi and Upwards Received,
INTEREST ALLO WED A T THE RA TS OI
SEVEN PEE CENT. PER ANN UH,
ON OERTIFIOAlES OF DEPOSIT,
AND SIX PER GENT. COM?
POUNDED EVERY 8IX
MONTHS ON ACCO UNIS.
Wm. Martin, Presidont.
A. O Bremser, Cashier.
J. H. Sawyer, Assistant Cashier, i
charge of Branches.
John 0; B. Smith, Assistant Cashier.
Wade Hampton, William Martin, A. C. Has?
kell, F. W. MoMaBter, John P. Thomas. ?. H.
HeinUeh, John B. Palmer, Thomas E. Gregg,
J. EH Gregg, Marion.
G. T. Scott, Newberry.
. W. G. Mayes, Newberry.
B. H. Rot lodge, Charleston.
DanielBayenel, Jr.. Charleston.
''?Mechanics. Laborers, Clerks, Widows, Or
ftbans and others may here deposit thoirsav
nga and draw a liberal rate of interest there?
on. Planters, Professional Mon and Trustee!
wishing to draw interest on their fonds nnti!
they require them for business or other pur*
poses: Parents desiring to set apart small
sums for their ohildron, sud Married Women
and Miners (whose deposits can only be with?
drawn by themselves, or, in case of death, by
their legal representatives,) wirhing to lav
aside funds for future UBB. are hore afforded
an opportunity of depositing their means
where they will rapidly aconmulafe, and, at
the same time, be subject to withdrawal when
" CENTRAL NATIONAL BANK '
OF COLU.T?UIA. S. C.
Present Capital, $150,000.
AUTHORIZED CAPITAL, ?500,000.
John B. Palmor, rresident.
A. G. Hrenizer, Cashier.
O. N. G. Butt, Assistant Cashier.
J. Eli Gregg, John B. Palmer, F. W. McMaa
ter, R. D. Senn, of R. D. bonn & Son; G. W.
Bearden, of Copeland & Btard?n; R.L. Bryan,
of Bryan & MoCartor; W. C. Bwafliold, of lt.
AW. O Swaffield.
B. W. McMaBter, Solicitor.
THIS Bank is now open for tho transaction
of a general banking businoBB.
OEBTI?IOATE8 OF DEPOSIT of currency or
coin, bearing interest at the rato of seven (7)
per cent per annum, in kind, will be issued.
Deposits from County Officers especially so?
licited; also, from Trustees, Administrators,
Executors, Professional Men, and others.
Particular attention given to accounts of
City and Country Merchants, and other busi?
ness mon, and tho usual accommodations ex?
Notes, Bills of Exchange, and other evi?
dences of debt discounted, and money loaned
Stocks, Bonds, Geld, Silver bought and sold.
Mutilated Currency purchased at a email
Sight Drafts drawn direct on all tho promi?
nent placea in England, Ireland, Scotland,
France, Germany, Belgium, Holland, Den?
mark and the Orient, letters of Credit issued,
I ay able in any of the above places
Drafts on ali the prominent cities in the
United States bought and sold.
Banking House opposite Columbia Hotel.
Open from 9 to S. Feb 28 ly
"Motte's Victoria Tonio Bitters."
For the cure of Dyspepsia, Ague and Fever,
Bilious Diseases, General Debility,
and all Impurities of the Blood.
THE8E BITTE'ts have now firmly esta?
blished themselves in tho favor of the
Sublio and the medical profession. Prepared
om purely vogotablo ingredients of acknow?
ledged efficacy, their unrivaled and highly
tonio, stimulating and prophrylactic qualities
?oculiarly adapt them to all caaea of General
debility, Nervous Prostration of the Sys?
Aa an excitant of the appetite and a whole?
some aid to the process of digestion, they
will be found to be very efficacious, while
their peonliar medical properties rendor them
of unequaled value to those subject to Chilla
and Fever, Congeation, and other miasmatic
These Bitters will be found moBt wonder
folly bonefioial in all cases of Debility and Ir?
regularities of Females. Wheresoever intro?
duced, they become a standard article-a
medicinal staple. Unlike the many noxious
stimulants advertised, they brace and fortify
the system without exciting undue oorebral
action. They are without doubt the best to?
nio and constitutional renovator over offered
to the public. MOTTE A TARRANT,
Manufacturers and Sole Proprietors,
Nowborry, 8. C.
Sold by E. H. HBIKIT'SU, Columbia, 8. C.
8ept 16 _ Gmo
MONEY CANNOT BUY IT!
Por Sight ls Priceless!
Bul the Diamond Spectacles wiU Preserce B.
TV von value your eyesight uso these PKR
_ PECT LRN9ES. Ground from minute
crystal pebbles, molted together, and derive
their name "Diamond" on account of their
hardness and brilliancy. They will last in an v
years without chango, and aro warranted su?
perior 'o all others, manufactured by
J. E. SPENCER A CO., N. Y.
CAUTION.-Nono genuine unless stamped
with our trado mark. WM. GLAZE, Jeweler
and Optician, ia sole agont for Columbia, 8
C., from whom they can only be obtained.
No poddlnra emploved. Jn.lv 90 llilv
Kinsman 8?f Howell,
Factors and Commission
LiberalAd(va?ices made on
Cotton and Naval Stores.
Charleston, S. C.
August 31_4 mo
WARFIELD'S COLD WATER SOAP.
THI8 80AP washes perfectly in cold wator.
soft, bard or salt. It removes grease,
oil and paint from garmonts. lt washes all
kinds of goods-cotton, flannel, silkor wooloo,
ft cleanses silver, plated ware and Jowelry
withoat Bcratobing. If tho articles arc much
tarnished, rob them with a piece of flannol
whiob has plenty of the Soap on it. To people
who do their own washing, it ia invaluable
?i will save lbs cost lu one washing. Foi anio,
in boxes of thirty-six bars, by
April 9 Agent for Smith Carolina.
COTTON SEED REFINED OIL, by Ino gal?
lon or barrel. Also, in glaasR, pints and
qvarte. Foraalelow. E. HOPE.
The Brooklyn Life Insurance Company,
? ... ? OP NEW TOKE.
!.I ' * -o--.
Paid Up Cash Capital of $2,000,000.
CHRISTIAN W. BUNCH, Preaident. W. W. COLE, Secretary.
W. H. WALLACE, Vice-President. D. PARKS PACKLER, Actuary.
OFFICE NO. 141 BROADWAY, NEW YORK.
JOHN E. BACON, W. P. BUTLER, Oonoral Agenta and Malingers for Bouth Carolina and
* 8 General Agents, we taha pleasure in oreannting this well known and responsible Com
XJL pany to the public, and in rooommending it %a first class in every wuy. we might add
much moro on this anbjeet, but, being interested as its Agents, prefer to spoak through dis?
interested parties. Therefore, read and digest the following notices-among many others
from both Northern and southern papers, us to the virtuos of this Company:
There ia no better company in tho Und. A comparison with other corporations of a simi?
lar oharaoter will convinco ail of tho superior safety in taking riaks with tho Brooklyn Life.
[fkjlumtms, Ga., Sun, January 27.18G9.
Tho Brooklyn Lifo baa placed itaoli in tho vanguard of insuranco reform, and is the first
company that has done lull justice to tho inanred, ?Vc.
[Insurance Times, New York, January, 18C9.
This great feature of cash surrender values is an important improvomout that signalizes
tho era of insurance.-Raleigh Sentinel, N. C.
This plan-guaranteed surrender values-removes the solo objection existing to making
an application for iusurance. Each policy becomes a piece of negotiable paper, as easily trotts
f?rrea as a Gocermnent bond -Boston, Muss. Dost. 18G9
A policy iu tho Brooklyn Lifo is worth BO much in roady monoy. Thia is tho only lifo com?
pany that baa carried thiB excellent feature into business.
[Dispatch. St. Louis, Mo., January 7,1869
Wo call especial attention to this distinctive and advantageous feature of guaranteed sur?
render value, particularly character ist io of tho Brooklyn Life. And also to the fact that
ibero aro no ciasstB in tho Brooklyn Life; all faro aliko, whether from the North, South, East
or West. Also, wo direct the attention of thc publiu tu tho fact that policies can bo obtained
in this Company, owing to RB carol ul manngemt nt and superior advantages, at lower rates
than in any other company of equal rank and so!vein" ?n America.
BACON & BUTLER, General Agents.
Office above Dr. Fisher's Drug Store, Columbia, S. o , ?i d at ion? fi? ld Court House.
lu-liablo agents wanted in ev*?> lunn and County in thc State, and alsoin tho cit? of Au?
gusta, to whom liberal commissions will ho paid. Nov 4
S. STRAUS <SL BRO.
Is tho placo whero you can buy
The Best and the Cheapest
? p ? I f s p s
CLOTHING AND GENTS' FURNISHING GOODS,
WE aro now propared to exhibit one of tho moat choice and select Stocks ever offered in
this market, and
At Astonishing Low Prices.
Our motto is "QUICK SALES AND 8MALL PROFITS." Oct 8
GRAND PRIZE DISTRIBUTION !
RICKETS to tho Concerts of tho SOUTH CAROLINA LAND AND IMMIGRATION A880
JIATION ready for salo and delivery. All orders from tho country promptly filled. Agents
canted for tho Counties of Lancaster, Lexington, Spirtanbnrg, Greenville, Abbeville, Oco
loo and Pickcns. Apply to D. GAMBRILL A CO.,
JunoO Ccncral Agents, Columbia, S. C.
FREIGHT m MUIIEU Lilli.
CHARLESTON, S. C.
TO AND FROM
BALTIMORE, PHILADELPHIA, KEW YORK, BOSTON,
IND ALL THE NEW ENGLAND MANUFACTURING CITIES.
THREE TIMES mLn3^r?T\^W^^^9^Il?& A WEEK
Tuesdays, Thursdays, Saturdays.
ELEGANT STATE-ROOM ACCOMMODATIONS.
Sea Voyage 10 to 12 Hours ^^^^^^^^^^ Shorter via Charleston.
TOTAL CAPACITY, 40.000 BALES MONTHLY.
The South Carolina Railroad Company,
AND conceding Roads West, In alliance with the licet of thirteen tim class Steamships to
the above ports, invite attention to the quick timo and rogular despatch afforded to tho
business public in tho Cotton States ai the
POUT OP CHARIiKSTOl?,
Offering facilities of rail and eca transportation for Freight and Passengers not excelled in
excellence and capacity at any other port. 'Iho following splendid Ocean Steamers are re?
gularly on tho line:
TO HRW YORK.
M. 8. Woodhull, Commander. S.Crowell. Commander.
CHAMPION, SOUTH CAROLINA,
R. W, Lockwood, Commander. T. J. Beckett, Comm ander.
Jumos Berry, Commander. J. Kennedy, Commander.
JAMES ADGER, ASHLAND,
T. J. Lockwood, Commander. - Ingram, Commander
JAMES ADGER A CO., WAGNER, HUGER A CO.,
Agents, Charleaton, 8. 0. WM. A. COURTENAY,
Agents, Charleaton, S. C.
TO P II 1 L A D H L V ll I A .
Alox. Hunter Commandor. C. Hinckley. Commander.
WM. A. COURTENAY, Agent, Charleston, 8. 0.
Hainie, Commander. Johnson, Commander.
Dutton, Commander. Sailing Dava-Every Fifth Dav.
PAUL 0. TREN HOLM. Agent, Charleston, 8. C.
Rates guaranteed aa low as those nf computing lines. Murine Insurance, one-half of one
THROUGH BILLS OF LADING AND THROUGH TICKETS
Can bo had at all thc principal Railroad Oflicis in Georgia, Alabama, Tennessee and Missis?
Stale Rooms mav ho secured in advance, without extra charge, by addressing Agents of
tho steamships in'Charleston, at whoso offices ill !'-!! eise? tho Railroad Tickets should bo
exchanged and Berths assigned. Ibo Through Tickets hy this rotito include Transfors,
Meals and State hourn, while on shipboard.
Thc South Carolina Railroad, Georgia Railroad, and th?ir connecting lint s, have largely
increased their fa cil?l Je? lor tho rapid moven (nt ol Frtightnnd Passengers between, thc
Northern cities and tilt) South and West. Condoi table Nitbt Ciirs, with the Holmes Chair,
without extra charge, have been introduced on the South Carolina Railroad. First cUss
Eating Saloon at Branchville. Or. the fl? oi ..<:? I'niUoat) Uisl CIHSS MI ( ping Cars.
Freight promptly ti auski red hon. M. : H . . nj midnight tn. inn ol the S< nth Carolina
Railroad. Close cdnnf-eflbi tundo with olio :.? . . i-.?-liv?iii.-g F'? irids nt distent points
with great promptness. 1 ht- managua viii nae r.? it . xi Hi? u tr? ??t'.nly th? ir patrons that
tho lino via Charleston cannot ho eurnaasod in I'espalrh nntl llie fall di livei.> ni geode.
For further information, apply te J M. SU.KIIIK. Superintend'nt, Obst Ira? o?? 8. C.; B. D.
HAREM,. General Agent, P. O. Box 4 979; Office817 Broadway, N. Y : s. R Pu KI NK. G?n?ral
Passongor and Ticket Agent, South Carolina Railroad. ALFI* KD 1?. Ttl.icu,
June 20 J?ino Vice-president Hcuth Carolina Railioad, Clmrlei-ton. S. C.
TTarrlnrnyp ptr 1 Barle!:! Barley!
+ - JSfSffSjZ iviSr ' T>LANTERN can have SEED HARLEY at
1 lil 1 IL. , ??r--t. , JL ?1 25 per bushul. Terms cash.
l']eS ?^"V '- Bm*? . JOHN 0. BEEPERS.
2IK) hundios Arrow Ti? s. j . 1
20 dozen Railroad shovels. Cranberries.
200 pairs Traco Chains. 1 R BUSHELS cit AN REMUES, in fine or
Just rooeived and for salo at lowest marko I ' \ , fiirrt-ini,w v m?i>p
nrioew. 1 ORIOK A^OWMANCE. .* *J "*r- f"r _K'zJ}?}J?'__
U?.i,|ua.\K iiu.1^ MiriiLATiiD Seegers' Beer is Pure.
CURRKKCY honght and sold by TT ?lori't contain Copperas, Salt. Lime or
Nor 23 Orno D. GAM ni.ILL. Br?, ker. J. Alum, Marah ll
T E L L 0_W_L I N E !
FAST FREIGHTS TO MI) FBUH KOBTQEBN CITIES,
Via Charlotte, Columbia ana Augusta Railroad, Borth Carolina Railroad
Raleigh and Gatton Railroad, Seaboard and Roanoke Railroad,
and Steamers between Portsmouth and New York,
Boston, Philadelphia and Baltimore !
_ - - TUE ABOVE-NAMED RAILROADS, in con
df^V SET_ncotion with the Steamer Linee, having united
??lh U?1&_" MMnTfiW^ i n forming a Fast Through Freight Lipe, to be
$^-Q$W^VlB 'i^j^TWw^rV^I^^^S ti ? u, ou tlie 4th of Beptembor, a'FAS'f" TH ROUGH
FREIGHT SCHEDULE between Commbia end Augusta end the above-named Northern
cities. Tho attention of Bbippeia and receivera of freight ia called to tho following advan?
tages offert d by tbe line:
It is almost entirely an inland route, by which rates of insurance and rf eke of delay from
bad weather are greatly rednced. There ie no di avago, and no tranefers, except ander cover.
PaUy Steamers will run between Perts mouth and Baltimore, Philadelphia and New York,
and fieigl.tr- will have prompt de*patch.
Ratea and das tifh-attont the Fame aa by oth?*r routes.
Through bills of lading given and claims prompt)) a o'jutted.
XT HAVE GOODS MA It KED "VIA YELLOW LINE." "Wt
For further information, apply to E. P. ALEXANDER,
Superintendent Charlotte, Columbia and Augusta Railroad.
E. R. DOKBET, General Froight and Ticket Agent. Sept 3
HARDY 1011 lili
THE BEST IN THE MARKET!
>CHOICE and select FAMILY GROCERIES, full assortment of
('A?^^ Bugara, Coffees-Kio, Tava and Laguayra; Teas of all kinda;
rv"'-'^ 4. \ * ? ?& Chocolates, Broma, hpicca, Pickles, Sauces and Tablo Dressings
^^Sg^^KSHC^f ?' al) kinda and drs-i ip tiens, Chees;-fcap-Kago, Factory, Pine
.-r^ysBBk\-iVrfrtf^ rl P1*' 81 0 otficis.
r<9^k^iSSkli ^^-<i^L A lin! ttttk ? J lb? Ittlhrandsof
FA MILT FLOUB,
In b?rrela ai,d packages, ronsity ing in part of Nonpareil, Madison
aud Highland. Also, Oatmeal, Poarl Grist, Hominy, Corn, etc;
Tablo and Liverpo? 1 Bali, Biscuit and Crackers of all kinds, Eng?
lish and American. Potatoes; Otioi e and otbei V<gt tabita cor staidly on band to supply
retail t rude A full supply of all kinds ol EA M Y b()/.PH, including Colgate's beat toilet,
and thai for donn Btic purposes. ( anni d Goods ot every description. Jellie e and Preeorvea,
nest family Butter, Lard, Molasses of BII grades. Meats. Hams, Din d Beef. 1 on gue . Bacon
Strips, Bellies ai d sires. Also, a full assort ment ol FISH, including btst No. 1 and Mose
Mackerel, and Smoked and Pickled Salmon, etc. 1 ai tit ular attention is invited toonrfull
Embracing tho best brands, foreign and donn ft ic. to he fonnd
in tho min Itel. CHAM1 A(?M S of al) poi,ulai brands; Hieir.es,
Madeira, Port and Catawba Wines of al) kinds, ai d Hitters of
every grade Alf n, 1 nglifh, Scott li and Rn im n AlEb, of tho./)
following brandt-: McLwsn's Muir A Suns', Young? r's, etc., eto.liv
Kspecial attention is called to our Mt >NOG h A M and nt her Jil
WHISK J- Ys, tho host in tin inarki t for family usc or medicinal
purpose s. Also, to our BBANDIES, including th? best Bivert
Pellevoison, LarrouOo Fres. Cognac, vintage of 18(5. Alto,
GINS, Palmetto and Swan brands. All impniud and warranted
good. Also, we Lave < n hand a fui) stock of choice C?fiALS and
CHEWING TOBACCO, Bagley'a Fine Cut, etc. A su ck of FAGGING and COTTON TIES,
and other articles tor plantation uso. In fact, everything needed orto be found in a first
clans Grocery Store, and at prices to snit the times. * Wc- warrant our goods first clase, and
invito AU inspection ot them. HARDY SOLOMON,
n"' 0 Columbia Hotel Blook.
THE UNIVERSAL LIFE
iniuiEi JHRmnnin i
LIBERTY STREET, l^^^S^P^^^^ NEW YORK.
The Original Stock Life Insurance Company of the United States.
WILLIAM WALKER, President.
HENRY J. FURBER. Vico-President. JOHN H. REWLEY, Secretary.
GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT. M.D.. Medical Examiner.
THIS COMPANY offers the following IMPORTANT ADVANTAGES to those*
about EFFECTING INSURANCE ON THEIR LIVES:
1. In ?nra nco at Stock Rates, being from 20 to 20 per cent, leas than the rates charged by
2. Each Policy-holder i? regarded BB a Stockholder to the extent of ono Annual Premium
on his Policy, and will share in tho Profits of the Company to the same extent as a Stock?
holder owning aa equal amount of thc Capital Stock.
3. Every Policy isBueu by the Company IB non-forfeitable, and contains a 'clause stating ita
exact Surrender Value. ,
Before. Insuring your Life or accepting the Agency of any Company,
UK AD THF. FOLLOWING!
A lengthened cxperienco has demonstrated that the ratea of premium ordinarily charged
by lifo insurance companies are from twenty-five to thirty per cent, in excess ot what are ne
cosBary for a Baie and legitimate conduct of tho business. In otnor words, carefully and
prudontly-managed companies charging "mutual" rates have been able to return to their
policy - hoi dei b from 25 to 30 per ceut. of tho amount charged for preminme.
When lifo i usu? ance com pan ios were first organized, reliability of the data upon which pre?
mi?me were constructed had not nndergonc test of experience lt waa thought, therefore.no
more than common prudence to adopt a scale of preminme which would, in any event, meet
all the presumed and unforeseen con tin g eneit rt of ibo business. Aa long aa tho matter waa
involved in some doubt, it waa better to Sr tho rate too high than to incur the risk of mak?
ing it too low; because, in the former caso, tho error could be easily n medici), at leant in
part, by returning to the pollcy-hohlera, at certain intervale, Buch ponton of the premium
charged as was fonnd necessary foi tho purposes of tho business ano the complete security,
of tho company. Experience, however, having satietacto Dy demonstrated that these rates
are exceaaivo, what possible excuse can there he tor maintaining them?
Availing themselves of thia experience, the Directors and Managers of the Universal Life
Insurance Company, at its organization, adopt . d a scale of premiums in accordance there?
with, and which bas proved to be fail and adi quate, ?nd all that waa necessary to meet the
requirements of tho nosiness. These premiums aro abont twenty-n>o per cent, lower than
those charge by mutual companeia. It also appeared, inasmuch as th rates so established
were aa near as' could possibly be determined lair Tates, and not in excess of what inenrance
has previously cost tho policy-holders in mutual companies, that any profits arising from
prudent management justly and properly belonged to the stockholders of tho company, for
the risk incurred by them in undertaking tho business.
Experienco bas shown that there aro sources of profit in the practice of the business which
theory will not admit ot being considered aa ch ments in the calculation of the premiums.
These" rosu'.ts form a saving in the mortality of tho members of a company owing to the me?
dical selection of good lives, a gain in interest on the Investments of the company over that
assumed in tho calculation of ila prc minnie, the profila derivable from tbe lapsing and sur?
render of policies by tho mt ID be rs. and from otb? r minor sources. Profits from theae souroee,
in a company possessed of a capita1 of 1210 WK), and doing a fair amount of business, would
give to tho stockholders dividends largely in excess of what wcro counted on by the Directors
of tho Universal at tho timo of its organization. 'J bc; have, therefore.determined fo divido
among tho policy-holders of tho company a large pa?t of tho profita accruing from the
HO urces named, all of which have berotoforo been divided among the stockholders.
Tho plau adoptod for snob division is aa follows: Every person who ma] hereafter inaure
with tho Uuiversnl will, for tho purposes of division, he treated aa a stockholder to ox te-ni of
ono annual premium upon bia policy; and will share in thc profite of the company to precisely
same extent as a stockholder owning an equal amount of tho capital stock.
By this system of iiiBuvauce, original with the Universal, tho policy-holder secures tho fol?
lowing important advantages:
1. Insurance nt tho regular "stock" rates, rt quiring a primary outlay of abont twenty
thirty per cent, losa than that charged by mutual companies, and which is equivalent to
yearly "dividend" paid in idvanco of tba? amount on mumal ratee. 'J bis le>w coat of intu?
anco is worthy of attention. Since RH orgai.ization. (hie company has ifceht-d in premium*
from ita policy-holders thc emu ot $1.517 COO. To efleet the tame ernennt of insuiance in a
mutual company would have cost them an initial e.nih'y of $i f (H).(CO Hy allowing its policy?
holders to retain, in their own possession, ibis execs* of M83.0C0, the Universal has virtually
paid them a "dividend" of 1483,000 and paid lt. te>o, in advance, inatead of at ibo end of one
or moro jcars. It is impossible to And any ex an ?dc cf a mutual oempany furnishing insur?
ance at so low a coat by rotnrning to policy-h?hlet a an rqnal amount upon Bindiar receipts.
2 Participation in ?io legit?malo prolits of the company, opon a plan which secures to the
policy-holders tho samo tri atnie nt which directors and stockholders award to themselves.
This system of participation, in connection with tho low "stock" rates of premiums, must
necessarily secure to the policy-holders every pos?iblo advantage to ho th rived from prudent
ami careful management.
The low nvtcMi f premium con t-cl economy, and. Independent of participation, guarantee
tn tho poliey-hohN f his iutnrancu at a rate which is not in e xcess of tho cost in weii managed
mutual companies; while, bv the proposod plan ot participation in what may be considere d
the legitimate profits of tho* business, tho coat will bo still further diminished.
i Ima bv the toinhinod advantages arising from low stock rate and participation in profite,
it la confident!} believed tho UNIVERSAL LIFE INSURANCE COMPANY offers infuranco at
its lowest practicable cost. ^ '
Thoao of tho ex ist i eg policy-holders who desire- tr participate in tba profits under tho new
plan can do ao by making application to tho head lillee, or to any age nta of the company.
The company is iu a sound financial condition. Ratio of asBOte to liabilities 136 to 100.
i*.-GOOD RELIABLE AGENTS WANTED, who will doal direct with the Now York ofiioa,.
and to whom full general agenta' commissions wilt bo paid.
Bl. W. ci AR Y Brui H. C. BUTLER,
State Hu per intention t H of Agencie* *
Office OB Richardson street, vppoaite Ceiantbia Her*!, Columbia, bi. 0. Sept