Northern Times.
Liverpool, Merseyside, England, 1857-07-17 00:00:00

3Enlitranre Xotirt.

THE LIVES of MARINERS, EMIGRANTS
end PASSENGERS INSURED against Accident by
Sea or Land, and Death from any cause, with or without Compensa.
tion In case of Injury.
Railway and Commercial Travellers, and the Public in general,
Insured against all accident, with compensation.
The Nautical Instruments and Effects of Mariners, and Baggage
of Emigrants and Passengers, insured against loss at sea, at mode-
rate rates of premium, at the Office of the Travellers and Marine
Insurance' Company. Revenue Chambers, Canning-place (opposite
the north west end of the Custom House), Liverpool.

JAMES D. C.titOMSON, Agent.

NOTICE.

TIANCASHIRE INSURANCE COMPANY
CAPITAL- T titi O MILLIONS,

Office, Exchange street, St. Ann's-square, Manchester.
London Office, 10, Cornhill.
Liverpool Office, 7, Water-street.
Glasgow Office, 4, Hanover-street.

NOTICE 19 nazzev—Givsx, that interest on the capital stock of the
company, at the rate of five pounds per cent. per annum, free of
income-tax, for the half-year ending 24th June last, will be paid at
the head offize, or at any of the t ranches in London, Liverpool, or
Glasgow, on and after the 22ad Jrly last., betwran the hours of ten
and three o'clock.

The TRANSFER DOORS are closed, and will remain closed until
the 22nd instant.—By Order,
15th July, 1857. JAMES KENts:EDY, General Manager.

B r)NUS $A It.

Intending Assure a are informed that all Propo-
DIVISIOK sale, on the prode male, lodged with the Com-
OF pany or its Agents, on or before the 201 m
PROFITS. JULY NEXT, will participate in the profits to
be distributed this year.

ANCASHIRE INSURANCE COMPANY,.
Exchange street, St. Anne's-square, Manchester.
LIVERPOOL OFFICE,-7, WATER STREET.

CAPITAL, TWO MILLIONS.

FIRE AND. LIFE

LIFE-80 per cent, of Profits divided Tri-
ennially.
BONUSES Frits-50 per cent. of Profits divided Annually
on Policies of three years' standing.
1 1. The large Capital of Two Millions.
a. Of which 41,448,400 is actually subscribed
SECURITY
3. Paid up capital and surplus assets, upwards
of 4175.000.
. _ .

Premiums to Assure £lOO, for the whole term of life

1 20 1 30

I 40 I 50

I 60

s. d. I£.s. d. s. d. s. d. I
Bonus Rates.. 117 0 2 6 0 3 4 6 9 6 7 6
Withoutgenus 113 19 2 2 6 216 9 4 2 6 6 2 6

SPECIAL NOTICE TO LIFE ASSURERS.—In a pamphlet recently
!sstted, compiled by Robert Christie, Esq., of Edinburgh, from the
parliamentary returns, the income and expenditure of fifty-two Life
Companies are given, from which it appears that the expenses of
Management of the Lancashire Insurance Company are thz 'east, in
proportion to the income, or any of the fifty-two companies named.
N.B.—Medical Fees and Stamps paid by the Company..
FIRE INSURANCES effected on favourable terms, and Annual
Bonuses made to the insured.

Prospectuses will be for varcled free on application.
JAMES KENNEDY, Gdner.l Manager, Manche ter.
JOHN SEMPLE, Resident Secretary, Liverpool.
Way, 1857.

AGENTS,
Mr. W. Henderson, Birkenhead.
Mr. G. J. Aspinnli, Toxteth park and. Waterloo.
Mr. James Keyes, Great Crosby.
Mr. H. E. Hime, 57, Church street:
Mr. W. A. Punshon, 33, D:ulby street.'
Mr. Henry Mansfield, Wavertree.
Mr. P. Henderscn, 64, South Castla-street.

PRELIMINARY PROSPECTUS OF

THE QUEEN LIFE ASSURANCE AND ANNUITY

COMPANY.
HE AD OFFICE :

TEMPO/LAST OFFICE : No 34, CasTLE-srassT during the alteration
Mar- of the Company's Premises to Lord-street.
Capital, 4'200400 (with power to increase it to £500,000, in 20,000•
Shares of XlO each. Cull, .t 1.
7 HIISTEES.
Thomas Edwards Moss, Esq.; Christopher Bushell, Esq.;
and Edward Heath, Esq.
DIRECTOL%
Chairman : Eda and Heath, Esq.
Deputy-Chairman: Thomas B. Forwood, Esq.

James Thorn ss-Bourne, Esq. James A. Pictan, E'sq.
Francis A. Clint, Esq. IT. Etamford Radies, Esq.
Thomas B. Forwood, Esq. Sir John n. P. Saln.sbury.
Edward Heath, Esq. 1 Alexander Sleigh, Esq.
Joseph Kitchen, Esq. 1 Wm. Titherington, Esq.
rankers • M ssrs, Noes and Co.
Auditors • Messrs. Harmood Banner and Son.
So:ici;ors: Messrs. Haigh and Thompson.
Physician: James Turnbull,
Consulting Actuary: William Lewis, Esq., F.LA., London..
Manager and Actuary . W. P. Clirehugh, Esq., A.I.A.
ALTHOUGH the advantages of Life Assurance
are universally admitted, and Life Assurance Com-
panies established and conducted on sound principles have been
universally successful, it is yet remarkable how large a portion of
the community there still remains among whom the praciice has
made little progress.
As this apparent apathy cannot be thought to proceed from Risen.
sibility to those motives which are common to all classes in civilised
life, it must rather be attributed to the insufficie,cy of those facilities
whereby the opportunity of making provision for old age, or for sur-
viving relatives, may be secured.
Life Assurance has indeed been carried on for some years in Liver-
hy two eminent local institutions of mixed business, as well as
by agencies of metropolitan and other companies; but this town does
not possesaa CHIEF Office of a PURELY Life Assurance Company.
A growing conviction, moreover, prevai:s among thoughtful men,
that there is no surer method of elevating the people, and improving
their moral as well as material condition, than by inducing them to
become instrumental themselves in the promotion of their own true
interests.

It has, therefore, been determined to establish in Liverpool an office
devoted exclusively to Life Assurance business ; and, with this view,
Tables have been newly prepared by a leading London Actuary.
The following will be the objects of the Company:
I. A fuller development of sound principles of Life Assurance
addressed to all classes, c .mbining methods by which parties can
make provision for themselves in the decline of life, as well ca
for their representatives after death.
2. The extension of Life Assurance among those classes by whom its
practice has hitherto been comparatively neglected.
3. The practical inculcation, by, the me Ans of Life Assurance, of
habits of forethought, self-denial and independence among the
people.
The means by which it will be sought to carry out these objects. are:
1. Such varied forms of effecting Life Assurance, or securing an
Annuity in old age, as are calculated to bring these benefits
within the reach of all classes of the community.
2. Strict Economy, and Careful Management.
3. A respectable and known body of Directors.
4. Tie auarantee of a paid• up and safely-invested Capital.
5. Open audit, and full annual statements.
Tables and Examples explanatory of the system referred to mill be
contained in a future prospectus.
_ _ _

A large pro; ortionV the Shares, have been already snbscribed for,
but the directors, wishing to extend e are, of it; operations amongst
the general public, willreceive applications for Shares, according to the
subjoined form, until the 31st day of July.
Application for Shares to be addressed to W. P. CLIREHUGH, Esq.,
Manager of the "Queen Life Assurance and Annuity Company,"
(Temporary Office,) No. 34, Castle-street, where forms of application
can be obtained.