The Sun.
London, England, 1852-11-11 00:00:00

ON THE ORDINARY SYSTEM.

The sum the ordinary
The sum the Life Offices would give
ordinary Lae him if he were unable
Offices would to pay, or if he omitted
At the His give him for to pay his current
end of policy the surrender annual premium of
e Annual thirty at that or sale Si. 6s. 3d. after he has
.71 premium • ears when age, of his policy, paid into their coffers
to assure the party in case after thirty 2491.75.6 d., and which._
•'....
** 500/.* is fifty of years'payments they have had the use
rel years old, death amounting to of at compound
Vhewillhave will be 2491.75. 6d. interest, or
V paid into worth which theyhave the event of his death
00 the office, had the benefit one hour after such
:I. of at compound omission or inability
interest. to pay. I
--- ---1—
little more
20 81.66.3 d. 2491.78.6 d. 50 0/.
perhaps than 8
901. NOTHING.
01.
ON THE DEPOSIT SYSTEM.
If unable to pay, or not
desirous of paying or
omitting topay,thePo-
licy would still remain
of its FULL value,
522/.25.7d.ti1l death, if
20 years after, no fur-
ther payment beingre-
quired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all hehas
put in, viz, 2251., but
a certain bonus of 621.
20 71. lOs Od 2251. 5221.257 d 2871. 211; 9d. 25.9 d. in the bargain, 1
which is more
than one-fourth of the
whole ofhis payments,
or he could either draw
out a part, 201. or 50/.,
diminishing the Policy
only by the assured
value of the sum se
drawn out at the age
when withdrawn. See
pagess and 7 in detailed
pamphlet, by
F. G. I'. Nelson, Esq.

* The rates here selected are those adopted by the English and
Cambrian Office, and advertised in its distinctive features as low
rates of premium, and professedly for the lower and middling classes.
In most offices, particularly the older ones, such as the Scottish
Equitable and the Globe, these rates would be much higher. Ia the
former of 101. 7s. 6d., with 10 shillings per cent. entrance fee, would
be the rate to insure 5001. at 20 years of age. In the latter 8/. 13s. 4d.,
to insure the same sum. The higher the rate the more in favour of
the DEPOSIT system.

** Money laid oat at compound interest DOUBLES Tram' everyfour-
teen years.
On comparison of these two tables it will be seen that a person
under the novel system of DEPOSIT assurance can secure the follow-
ingaT
alsalEVEetTimselllllsas
min
advantages, viz., Ist. For a less sum, paid annually, he can assure
nocal:sase
oonf
tdneeatohrdintharyan
system.
.the3rcuordiny. alnrythseysetveemnt.
2ndly. In the event of a desire to surrender his Policy he can receive
in this Company, by the above example, which applies to all ages,
of inability or omission to pay, his policy remains still his property,
of the same value as it was, though he cease his current payments
for any number of years ; whereas on the ordinary system, he gets
nothing. 4thly. Should he require to increase or decrease the
amount of his policy he can do so at pleasure. He can, at any time,
by giving a fortnight's notice, withdraw any part from ii. up to the
whole amount of his previous payents and with interest. After he
has withdrawn part one year hem can, by a single payment, three
years, or any time afterwards, raise his policy to a greater or even
its former amount ; and by this system he can at all times regulate
his annual savings by his annual expenditure, with the facility in the
bargain of having a fund to fly to in case of necessity, the same as
in a bank, with this palpable advantage, however, that he gets inte-
rest for his money, and in case of death his family receive more than
the amount of his savings. In ordinary Life Offices De can do no
such thing, but his policy at once lapses or is cancelled the moment
he ceases to pay his current premiums, and, instead of having any
fund to Ay to for aid, all his hard-earned savings become forfeited to
the society, and his misfortunes serve to benefit the pockets of his

more fortunate co-assurers.
Such a system is too equitable 'and too striking to be overlooked,
and DEPOSIT assurance is the only system of assurance which can Ns
universally recognized and adopted when the principles are impar-
tially canvassed, and its palpable benefits become widely diffused. It
confers greater advanta;es than a bank because it allows a fair rate
of interest In case of withdrawal, and gives twice the amount in the
hands of the Company to the representatives of the Depositor in
case of death, thus combining the
ADVANTAGES OF A BANK WITH THE BENEFITS OF
AN ASSURANCE COMPANY.
In case of endowment assurances the advantages of the DEPOSIT
system are still more striking.
ADVANTAGES OF THIS COMPANY UNDER THE ORDINARY
LIFE ASSURANCE BRANCH.
To those who prefer this branch Policies are granted from 201. to
5,000/. on every known principle thereof.
Lives in all but the worst stages of disease, and such as have been
rejected by other Offices, are taken at rates equivalent to the parti-
cular disease.
Loans from 50/. and upwards granted on every kind of security,
real or personal, on the most equitable terms to the borrower
Annuities of every description granted on very favourable terms.
Non-forfeiture of a Policy.—ln case of inability to pay the currant
premiums, the Directors will either purchase the Policy at a fair
market value, or give a new one in lieu thereof, less 5 per cent., inte-
rest corresponding in amount to the whole of the previous payments
which have been made.
Detailed prospectuses with tables in further illustration of the De-
posit system, and any further information may be obtained on appli-
cation to the Agents in the country, or to
CHARLES W. BEVAN, Resident Secretary.
N.B.—Agents wanted in all parts of the World.

C LIAMPAGNE, FINEST IMPORTED.-
Ist Quality, 635. per dozen.
2nd Quality, 525. per dozen.
3rd Quality, 425. per dozen.
Choice of RUINART'S, MOET'S, or GIESLER'S BRANDS. at
FINDLA.TER, MACKIE, and CO.'S, Wine and Spirit Merchants
1, Upper Wellington-street, Strand.

THE PERFECT SUBSTITUTE for SILVER.
—The REAL NICKEL SILVER, introduced 20 years ago, by
WILLIAM S. BURTON, when plated by the patent process of
Messrs. Elkington and Co., is beyond all comparison the -very best
article next to sterling silver that can be employed as such, either
usefully or ornamentally, as by no possible test can it be distin-
guished from real silver.

Fiddle Thread or Bruns- King's
Pattern. wick Pattern. Pattern.
Tea Spoons per dozen ...... 18s. •• 235. • . 365.
Dessert Forks „ • • .... 30s. • . 425• • . 58s.
Dessert Spoons „ • • 30s. • • 425. .. 625.
Table Forks ~ •.. 40s. • . 555. • . 705.
Table Spoons „ • • 405. • . 553. • • 755.
Tea and Coffee Sets, Waiters, Candlesticks, &c., at proportionate
prices. All kinds of replating done by the patent process.
CHEMICALLY PURE NICKEL, NOT PLATED.
Fiddle. Thread. King's.

Table Spoons and Forks, full size,
per dozen .. ...... 12s. .. 288. • • 30s.
Dessert ditto and ditto .... • . lea. .. 21$. .. 255.
Tea ditto ...... • • • . ss. .. lis. • . 128.
WILLIAM S. BURTON has TEN LARGE SHOW ROOMS
(all communicating), exclusive of the shop, devoted solely to the
show of GENERAL FURNISHING IRONMONGERY (including
cutlery, nickel silver ,plated and japanned wares, iron and brass bed-
steads), so arranged and classified that purchasers may easily and
at once make their selections
returned
Catalogues, with engravings, sent (per post) free; The money
for every article not approved of.
2, NE
39, OXFORD.STREET (corner of Newman-street) ; Nos. 1 and
WMAN-STREET ; and 4 and 5, PERRY'S-PLACE.

OURNING COSTUME;
M. A pßblie loss should never be made an object of business, but
certain facts cannot be ornitteo. The ~..zem of society, and respect
for the memory of the greatest Commander this country ever aev,,,,,
will claim a suitable preparation for the forthcoming Ceremonies,
and thousands will desire to take a part in this event. Certain it is
in doing so, they will be seen as well as see, during the progress of
the imposing spectacle ; and a comment on the appearance of the
spectators will be handed down to posterity. Though many have
Suits of Mourning which they might think would suffice, there is no
doubt but the general disposition will be to appear in NEW and
appropriate MOURNING Dams. For this purpose, E. MOSES and
SON are fully prepared to execute any commands, with the greatest
economy. correctness, and dispatch ; and patriotic which
n they may
cannot
do less than appear in a NEW Suit of Mourning, by
demonstrate their well-known esteem for the merits, talents, and
virtues of England's greatest Hero. An immense Stock of Mourning,
of every description, is prepared for the occasion by E. MOSES and
SON ; the QUALITY, STYLE, and Pawn of which it is entirely impos-
sible for any House in the Kingdom to in
THE LATEST FROM THE " DIGGINGS " •
State that there is no diminution in the
enragey to be cment for emigrants
the markets for labour and enterprize ar not li•verstocked;
but the price of all useful articles has risen to a surprising high rate ;
the best policy which emigrants can pursue is to take out a full
equipment from the OUTFIT I'ING ESTABLISHMENT of E.
MOSES and SON, by which the greatest saving of money is effected,
and quality and perfect suitability ensured, E.
MOSES and SON'S
Outfitting Department communicates with their Wholesale and
General Clothing, Hosiery, Boot an 3 ,Shoe making sections ; but is
still a distinct Compartment, where emigrants can select the best
and cheapest OUTFITS, with the greatest dispatch. Full Lists of
OuTrirs, and all requisite information relative to sailing of Vessels,
post free, to any
cost of
passage, &c., may be had on application , or
part of the kingdom.
CAUTION.—E. MOSES and SON regret having to guard the
public against imposition, having learned that the untradesmanlike
falsehood of " Being connected with their Establishment," or " It's
the same concern, has been resorted to in many instances, and for
obvious reasons, they beg to state that they have
No CONNEXION WITII ANY OTHER House IN OR OUT OF Lora:off,
except their own Establishments, as follows
London City Establishment, 154, 155, 156, and 151, attnories, 83,
84, 85, end 86, Aidgate, opposite the Church, all communicating.
London West-end Branch, 506, 507, 508, Now Oxford-street, 1,2,
and 3, Hart-street, all communicating.
Bradford (Yorkshire) Branch, 19, Bridge-street.
Sheffield Branch, 36, Fargate.
Merchant Tailors, Clothiers, Hatters, Hosiers Furriers,lt6ut
and Shoe Makers, and General Outttters for Ladies and Gentler...el..
IMPORTANT.—Should any article not give satisfaction it will be
exchanged if desired, or, if preferred, the money Will be returnea
without hesitation. All goods are marked in plain figures the lowest
from which no abatement can be made. on
The Establishments are closed from sunset Edda,' to gin-"*t
Saturdays, when business is resumed till Twelve o'cloct-
A new Book, entitled World's Pharos,"
Emigrant's Assistant, fell list of rices and directions for self-meal
p
snrement, may be had on application, or Post—_ c_,ontaining the
free to any par
of the kingdom.
A handsome Almanac for the year ending
1859 can be had, gratis,
on application.
Qui 51 pans Italian°.
Ici l'on pane Francais. 1 Aqua so ilabla Enanol,
wer *richt wan Deutsch.