The Northern Daily Times.
Liverpool, Merseyside, England, 1856-04-01 00:00:00

HAMILTON-STREET, BIRKENHEAD,

HIR.IIONIUMS AND PIANO-FORTES FOR HIRE.
Piano• Fortes and Harmoniums tuned and repaired by first-class

workmen

Several good second-hand Pianos on sale.

N.B.—All the newristmusic received as soon as issued from Me press

AT HALF-PRICE.
W. RYALL'S

PIANO-FORTE AND MUSIC REPOSITORY,

29, HAMILTON-STREET, BIRKENHEAD,

NEAR WOODSIDE-FERRY.

ESTABLISHED, 1824. -
CAPITAL ..... ...165,000,000
PRESIDENTS—SAMUEL GURNEY, Esq., Sir M. MONTEFIORE.
Fire Risks taken on Merchandise in Liverpool and Birkenhead,‘
Ships and their Cargoes in our River and Docks,
Warehouses, Household Property, and Furniture,
Farm Steadings and Stock,
Stores and Merchandise abroad.
Life Insurance effected on liberal terms, in all its varied forma
of participating aid non-participating, &c.

AGENTS FOR LIVERPOOL AND THE DISTRICT :
Messrs. BOLDS and CO., Water-street.
MILLIG.N, EVANS, & LEMPRIERE, North John-st.
„ THOMAS R. ARNOTT, Liver Chambers, Tithebarn-street
" J. RICHARDSON, Jun., 13, Lower Castle-street.

THE ROYAL INSURANCE COMPANY.
Royal Insurance-buildings, North John-street & Dale-street,
Liverpool, and 29, Lombard street, London.
CAPITAL, X 2,000,000, in 100,4100 Shares of 420 each.
TRUSTEES.
John Shaw Leigh, Esq., and John Naylor, Esq.
DIRECTORS, &C., IN LIVERPOOL.
CHARLES TURNER, Esq., Chairman.
J. RHAMLEY-5100RE, ESQ., M.P.. and RALPH BROCKLEBANK, Esq.,
Deputy-Chairmen.
Michael Be'cher,;;Esq., Richard Houghton, Esq.,
George Booker, Esq., Edward Johnstone, Esq.,
Thomas Bouch, Esq., Roger Lyon Jones, Esq.,
Michael BousSeld, Esq., James Lawrence, Esq.,
David Cannon, Esq., Robert M'Andrew, Esq.,
Thomas Dover, E. Win. J. Marrow, Esq.,
Robert Ellison Harvey, Esq., Francis Maxwell, Esq.,
James Hohne, Esq., William Smith, Esq.,
Thom s Dyson Hornby, Esq., John Torr, Esq.,
George H. Horsfall, Esq.,

AUDITORS.
William Titherington, Esq., and John-Dickinson, Esq.
SURGEON, Hugh Neill, Esq., F.R.A.S.
SURVEYOR. SOLICITOR.
Samuel Holme, Esq. I Septimus Booker, Esq.
MANAGER AND ACTUARY, Percy 11. Dove, Esq.
BIRKENHEAD BRANCH.
OFFlCE—Hamilton-buildings, Hamilton-street.
AGENT—Henry Co e, Esq.
SURGEON—James T. Vale, k. sq., Hamilton-square.
LARGE LIFE BONUS DECLARED, ISM,
Amounting to £2 per Cent, per Annum on the Sum Assured.
Being, on ages from TIN enty to Forty, bu per Cent, on the Premium
EXAMPLES:

Date of
Policy.

I Age. 1 Sum Assured

Premium. I Bonus

29 I' .t'10(20 I-----.t '242 i 8 4 180
1845
1846 24 1000 194 5 0 160
PP 33 i 21'00: 480 15 0 i 320
This last claim paid £2320.
PERIODS OF DIVISION, EVERY FIVE YEARS.
Policies falling due at Lady Day should be renewed on or before
the Vth April, 1856.
PERCY M. DOVE, Esq., Manager and Actuary.

LIFE ASSURANCE ON A SYSTEM,
Sy which the Expense is Reduced as low as is consistent
with Permanent Security.

THE LIFE ASSOCIATION of SCOTLAND,
as attested by Seventeen Years' experience, has been
eminently successful in attaining this object by the operation of two
regulations :—ist, The Profits are divided every year amongst
Poicy-holders of five years' sta-ding and applied in reduction ef the
premiums—such Policy holders iu the first series having been
required to pay for many years only las. per .£1 of their premiums ;
and 2nd, One-half only of the first six years' premiums need be paid
under policies of £5OO or upwards, the remaining half remaining a
debt upon the Policy at interest during the pleasure of the assured
The following are Examples of the First Payments required for
Policies of £5OO :

Age 20.
, 30.

.€5 1 I I Age 40... ...... .i3B 11 1
6 11 3 „ 50 . 11 12 4

ILLUSTRATIONS.
D—d C 1, Corn Merchant, T--e, age •42, ejected, in October, 1851, a Policy on the " Half Credit" system for .4'600, on the joint lives of himself and wife, her age being 34.
On the evening of the 10th April, 1855, he was returning home by
the Dock, when he was blown into the water by a sudden
gust of wind Land drowned. The sum of £5OO thus became payable
to his wife or family, while he had paid two Premiums of only
.4'B 10s. sd—being scarcely more than the cost of an ordinal), Assurance of £250.

e, Clerk

•, 25, effected in September, 1855, a Policy on the " Half Credit "stem
,or £lOOO on his life, and paid a Premium of 18s. 2d. On
31st (December following he died of typhus fever. The sum of
41000 was, thus, secured to his family at almost the cost of a
Policy of 4500.