The Sun.
London, England, 1852-11-16 00:00:00

* 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 middang classes.
In most offices, particularly the older ones, such as the Scottish
Equitable and the Globe, these rates would be much higher. lit the
former of 101. 7s. 6d., with 10 shillings per cent. entrance fes, would
be the rate to insure 5001. at 20 years of age. In the latter 81.13 s 44.,
to insure the same sum. The higher the rate the more in favour of
the DEPOSIT system.
le* Money laid out at compeund interest DOUBLES fimmr everyfour-
teen years.
On comparison of these two tables it will be seen that aperson
the ordinary rdhineaerayhsystem.
receive
in this Company, by the above example, which applies to all ages,
under the novel system of DEPOSIT assurance can secure the follow-
ing advantages, viz., Ist. For a less sum, paid annually, he can assure
2andlaly In the event
rg.r sum in
enteaosfea
e
THREE times as much as on the ordinary system. 3rdly. In the event
desireo f
death
t o than
surrenderundr his
of inability or omission to pay, his policy remains still his property,
of the same value as it was, though be cease his current payments
e
for any number of years ; whereas on the ordinary system, he gets
nothing. 4thly. Should he require to increase or decrease the
amount of hts policy he can do so at pleasure. He can, at any tine,
by giving a fortnight's notice, withdraw any part from Il up to the
whole amount of his previous payments and with interest. Afterhe
has withdrawn part one year he can, by a single payment, three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 leaving 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 be can do ro
such thing, but his policy at ante lapses or is cancelled the moment
he ceases to pay his current premiums, and, instead of having any
find to fly 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.

Stich a system is too equitable and too strikinrigntcoipbleeBoavrecrlooked
and DEPOSIT assurance is the only system of assurance which can be
impar-
tiallyuni e res2vyasrseecdo.ganni zdeidtsapnadi
paadboretebdenewnhtsenbetchoe principles w e y
diffused. It
confers greater advanta4es than a bank because it allows a fair rate
of interest In case of withdrawal, and gives twice the amount to 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.
_ _

system are still more striking.
In case of endowment assurances the advantages of the DEPOSIT
ADVANTAGES OF THIS COMPANY UNDER THE ORDINARY
LIFE ASSURANCE BRANCII.
To those who prefer this branch Policies are granted from 201. to
5,0001. 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
antdhPeuo IPmcwoya rs
—t d Bei
n case
disease.
granted on every kind of security,
gnitable terms to the borrower
Annuities of every description granted on very favourable terms.
e a new one in lieu thereof, less 5 per cent., inte-
of inability to pay the currant
premiums, the Directors will either purchase the Policy at a fair
real LNooacn, Loans
sfofrom
froe mitu personal,sr
mount to
rest corresponding in a 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. nr,v,.„,,.
--- ' --,,, Resident Secretary.
N.B.—Agents wanted i„ _n
all Parts of the World.