The Express.
London, England, 1868-01-21 00:00:00

BREAKFAST.-EPPS'S COCOA.

Zhe erpreo%.

TO 0011.1LESPONDINTS.
ailvertlaimenta Wended for " The ," London Evening
=must be at the Mee, 101.1zrota:eriartreet, by Two
OR taw day of publication.

RAYMARRIT.
Tim Evrhoo. THE BROKEN-HEARS= CLUB.—A WITE
WELL WoN. Mows. Pother., Backstone, Howe, Kendal.
which AN urns , Braid. Weat
nhiersbs-v yissiok cat THE BR IGAND drc. • and Min Robertson
.—After

PLINCEIVSS
Tats Evtsnta, THZ OOLLI6II HAWN. Ur. sad Mrs. Non
Bottelcault.—After which Till STREETS (IF LOSDii.
&c.r;
M.
Violas, Menem Murray, Shone, Neville. Fomenter. meuon,
Inners lgtworthy, E. Bement. azehel Sanger, sod Mrs. Addle.

STRAND.
Hin which
o. OLD SALT. r. Emery
T and Miss Nell; Mows.
Nor which THE CALIPH Olr BAGDAD. Mew'. Thorne
and James ; Mistimes Ada Swanborough, Johnstone, Harland,
Bolt, te.—And OUR D4MESIIO.I.
HOLBORN.
THIS Manna, THE FLYING SCUD. Messrs. Atkins, Pries,
Garden, Arthar, IVestland, and Wilmott ; Mesdames ilenradeE
,
Goodall. Le111:101. and Senadera--Conclude with VALENTIN
AND ORSON. )(dile. Montero, Little Rowell, At.

Evingnra, DON QUIXOTE ;O, BANCRO PANZA AND
HIS WIFE TERM. Mts. Lana, &Misses Edwin& Booth ; Tan-
anings Mears. Deem Ennis, Madam, WHOctlll ;
C. Staphan and Alm KOMI Nathan.—And DID IT I

HIGH WATIR AT LONDON BRIDOL
MI DAY —Wornlnc Oh. 0m..--Afternoon. Oh. Ist.
to-110AloW—Yoesking, Oh. Nm---Attarnoon, Oh. 66e.

LONDON, TUESDAY, JANUARY 21.

MIL TIDD Pearr, tho Registrar of Friendly
Societies in England, has just issued a brief
paper from his office which is deserving of the
widest publicity. It relates to a class of societies
which has multiplied exceedingly of late, and by
which, it is believed, tho frugal among the
industrious classes of the community are ex-
posed to the danger of losing their savings.
These are what are commonly known as
Burial Societies, although often dignified by
other special and imposing names, such as
Brotherly, Philanthropic, Loyal, United, Una-
nimous, Protective, and what nut. Mr. TIDD
Prisrr gives the names of twelve of these Burial
Societies, consisting of more than a million in-
surers, with insurances which amount to no less than
three million pounds sterling. Their gross receipts
from the insurers in the last year were 247,9351.;
the amount paid for benefits assured, 138,1511.
the amount of expenses fur management, 94,7631.;
and the irludc of ihrir funds, including the value
of their property and money in the hands of trea-
surers, agents, and collectors, ix only 181,166/.
—or the amount of about three-quarters of •
year's premium.
The old-fashioned Friendly Society was a 'kind
of club ; its operations were local, its affairs
were conducted by its own members ; no agents
or collectors were employed, nor was there any-
thing speculative in its transactions. Ninety-n ire
Friendly Societies out of a hundred are still of
this class. The leading Burial Societies of the
present day are altogether of another origin and
type ; they were established by enterprising per-
sons as insurance Offitxs, they are worked by

officers receiving large salaries as treasurers, secre-
taries, directors, and committee-men, and have
agents and collectors, also well paid, in all
the principal towns and parishes in Great
Britain. Mr. Tioo• TRATT gives the names
of ten Burial Societies, with some par-
ticulars from their last annual reports sent
to the Registrar, showing that the number
of insurers in these Societies was 486,612 ;
the gross receipts for the year, 94,323/. ; the ex-
penses of management, 36,301/. ; the payments
for deaths, 04,3801.—throe two items making
together the sum of 100,6871. ; so that the pay-
ments for deaths and the expenses of management
in the year were 6,3641. more than the whole
amount of the receipts from the members in that
time. The amount of the funds in hand was only
67,2671., or about 2s. 10d. per insurer, whilst
the amount insuml must exceed 1,600,000/. The
following is an abridgment of one of his tables.
We desire especially to direct attention to the two
last wlumns.

Foe every
!en went
U.
d I •11 for relief
Where
18
• & .$1 Mem-
bers the
of
held. gig v 44 coat of
Society. :,,74 3 g
- went vas

Liverpool

$l. ratrlek's
Loyal Phelan
thmply
Thilauthropie
Iturial
Potted Legal

---.•
150,000117,796
45.0110; 11,3r4 ;

E ti d. E 5.
41) 15 0 016

.35 10 2! 0

14 16 6 0
45 5 9,

52,7561 0,109

33 31 0

Ann's It

thu4h
Illiginal Lewd
to it Moo-

Ditto
Prwstan

24.000 i SZ.I
22,41J61

37 8 lel 0
17 1S 6. 0

tht;t7; Dftto
Victoria Legal.. Ilinulnglim
Yamlly Budd .. Cborky

•
9,3211 1,917 17 13 9 0 4 4
14,937 t9l 6118 8 30 0
21,098; 17 11 0 3 0 1
-- •

466.011 6:.'267

These, however, aro not the worst cases. In
addition to the above list there are two other

societies—the Royal Liver, at Liverpool ; and the
Victoria Legal, in the same town. The former
was established in 1850. The gross receipts for

the year, in the last report sent to the Registrar,

were 125,1 81 /. ; the management expenses,l
45,8571., or 381. 12s. (hi. per cent. ; the amount
paid for deaths and sickness, 60,8801. ; so that for
every 20s. paid for relief, kc., of members the
cost of management was 15s. Id.
The Victoria Legal Society was established in
1843. In the last report sent to the Registrar,

the year's receipts wen, stated to be 28,4311., the
number of members 127,286 ; the payments for
funerals in the last year 12,8851.; the expenses of

management 12,0651., or Itearly 20s. fin Crery2os.
paid fur benujits.
Mr. Tenn Pasrr shows, by a comparison of
tho tables Waled by the Post-office authorities for
life insurance, that the monthly payments usually
required by Burial Societies would give to parties
insuring with tho Poet-office a larger sum (with
Government security) than such societies promise
to pay. For one penny per week, or four shillings
and fourpence per year, the following amounts are
stated to be payable at death, according to the
tables of premiums published by the—

Po;tottlhe. Victoria Loyal
(Monthly pay- Royal Liver, Legal, rhileolltropie,
Age. mental Liverpool. LiverpooL Liverpool.
30 ...i8 6 8 ...15 0 0 ...17 0 0 ... 4, 0
40 ... 6 3 2 ... 5 0 0 ... 0 0 0 ... 6 0 0
50 .. 4 5 6 .. 3 0 0 ... 4 0 0 .. 4 0 0
60 .. 215 2 ... 17 6 ... 25 0 ... 10 0
It will be seen how cruelly these societies strike
the working classes—at the best portion of
them—while engaged in their best acts. Mr.
Tim) Pasrr deserves the thanks of the whole ,
public for this most needful exposure. He
states that he is almost every day receiving com-
plaints from persons who cannot obtain payment
of their claims from Burial Societies. and he calls
upon the public press, clergymen, and others to en-
deavour to prevent the working classes from join-
ing Burial Societies established under the Friendly
Societies Acts without first ascertaining that they
are joining solvent institutions. There is reason
to believe that considerable misapprehension exists
among a large section of the public as to the pur-