Northern Times.
Liverpool, Merseyside, England, 1857-07-18 00:00:00

Ensttrattre Xotict.

THE LIVES of MARINERS, EMIGRANTS
mid PASSENGERS INSURED against Accident by
Sea or Land, and Death from any cause, with or without Compensa.
tlon 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. THOMSON, Agent.

NO I ICE.

TAANCASHIRE INSURANCE COMPANY
CAPITAL-- TWO MILLIONS.

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

NOTICE Is HEREBY GIVEN, thit interot.l on the capital stock of the
company, at the rate of five poll' ds per cent. per annum,.free of
in:ome-tax, ;or the half-year ending 24th June last, will be paid at
the head office, or at any of the i ranches in London, Liverpool, or
Glasgow, on and after the 22nd July inst., between the hours of ten
and three o'clock.

The TRANSFER BOOKS are closed, and will remain closed until
the 22nd instant.—B, Order,
15th July, 1857. JAMES KENNEDY, General Manager.

13-)NUS EAR.

Intending assure 's are informed that all Propo-
DIVISION sal s, on the profit scale, to lged with the Corn-
OF pany or its Agents, on or before the 20xn
PROFITS. JULY NEXT, will participate in the profits to
be distributed this year.

TjANCASHIRE INSURANCE COMPANY,
I 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-
entAally.
BONUSES Futa-50 per cent. of Profits divided Annually
on PoAciei of three years' standing.
i 1. The large Capital of Two Millions.
2. Of which &1,443,400 is actually subscribed
SECURITY
3. Paid up capital and surplus assets, upwards
of .i• 175,000.
_ . . .

Premiums to Assure .elou, for the whole term of life

AGE. I 20 I 30 I 40 I 50 I 60

s. d. I s. d. I£.s. d. e. s. d. I£.s. d
Bonus Rates.. I 117 0 2 6 0 3" 0 6 4 6 9 6 7 6
Withoutßonus 113 10 2 2 6 2]6 9 4 2 6 6 2 6

SPECIAL NOTICE TO L'FE ASSURERS —ln a pamph'et recently
issued, 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 the least, in
proportion to the income, of 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 forwarded free on application.
JAMES KENNEDY, Gener ,1 Manager, Manchester.
JOHN SEMPLE, Resident Secretary, Liverpcoi.
May, 1857.

AGENTS.
Mr. W. Henderson, Birkenhead.
Mr. G. J. Aspinall, Toxtuth park and Waterloo.
Mr. James Heyes, Great Crosby.
Mr. H. E. Hime, 57, Church street.
Mr. W. A. Punshon, 33, D .tilby street.'
Mr. Henry Yranshe!d, Wavert; ee.
Mr. P. Henderson, 64, South Caatle•atreet.

PRELIMINARY PRO4PECTUS OF

THE QUEEN LIFE ASSURANCO AND ANNUITY

COMPANY.
HEAD OFFICE : LIVEEPOOL.

TINtrOaARY OFFICE : No 34, CASTLE-srasET during the alteration
of the Company's Premises in Lord-street.
Capital, 200,i.00 (with power to increase it to £500,000, in 20,000
Shares of .elO each. Cull,
a MIS rrxs.
Thomas Edwards Moss, Esq.; Christopher Bushell, Esq.;
and Edw..rd Heath, Esq.
DIRECTORS.
Chairman : Ed ,ard Heath, Esq.
Deputy-Chairman: Thomas B. Forwood, Esq.
James Thomas Bourne, Esq. James A. Picton, Esq.
Francis A. Clint, Esq. T. Stamford Raffles, Esq.
Thomas B. Forwood, Esq. Sir John s. P. Sainsbury.
Edward Heath, Esc]. Alexander Sleigh, sq.
I Joseph Kitchen, Esq. Wm. Titheringt.n, Esq.
Bankers • M. ssrs. Moss and Co.
Auditors • Messrs. Harwood Banner and Son.
Solicitors: Messrs. Haigh and Thompson.
Physician : James Turnbull, M.D.
Consulting Actuary: William Lewis, Esq., F.1.A., London.
Manager and Actuary : W. I'. Clirehttll, fisq , A.I.A.

ALT HOUGH the advantages oz Life Assurance
are universally admitted, and Life As3urance Com-
panies established and co❑ducted on sound principles have been
universally successful, it is yet remarkable how large a portion of
the community there still remains among whom the practice has
made little progress.
As this apparent apathy cannot be thought to proceed from insen-
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 oppoitunity of makarg provi,ion for old age, or for sur-
viving relatives, may be secured.
Life Assurance has imieea been carried on for some years in Liver-
po )1 by two eminent local institutions of mixed business, as well as
by agencies of metropolitan and other companies; but this town does
not possess a CHIEF Office of a PURELY Life Assurance Company.
A growing conviction, moreover, prevails among thoughtful men,
that there is no surer method of elevating the people, and improving
their moral as well as material condition, ti,an 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 ;ifo Assurance business ; arid, with this view,
Tables have been newly prepared by a leading London Actuary.
The following will be the objects of the C mpany:
1. A fuller development of saund 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 as
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 means 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. Th. Guarantee of a paid. up and safely-invested Capital.
5. Open audit, and full annual statements.
Tables and Examples explanatory of the system referred to will be
contained in a future prospectus.

A large proportion of the Shares have been alreadY sn6scribed for,
but the directors, wishing to extend t e e are : of its operations amongst
the general public, will receive applications for Shares, according to the
subjoined form, until the 31st day of July.
Application for Shares to be a 'dressed to W. P. CLIREFLUGH, Esq.,
Manager of the "Queen Life Assurance and Annuity Company,"
(Temporary Office,) No. 34, Castle-street, where forms of application
can be obtained.