The Sun.
London, England, 1852-10-01 00:00:00

N°.18,7:30.]

GUARDIAN FIRE and LIFE
ASSURANCE COMPANY.
No. 11, LOMBARD-STREET, London.
THO M S ORN
F HANKEY,ARQuIIA Rj
Bart.,n., Es qp. ,
Deputy-Chairman.
u Chairman.ty .
DIRECTORS.
Sir WALTER Carman.
Henry Hulse Berens, Esq. Stewart Marjoribanks, Esq.
John Dixon, Esq. John Martin, Esq., M.P.
Francis
•
Dyke, Esq. Rowland Mitchell, Esq.
John Harvey, Esq. James Morris, Esq.
John G. Hubbard, Esq. Henry Norman, Esq.
George Johnstone, Esq. Henry R. Reynolds, jun., Esq.
John Labouchere, Esq. John Thornton, Esq.
Joha Loch, Esq. James Tulloch, Esq.
George Lyall, Esq. Henry Vigne, Esq.
AUDITORS.
N. W. Robarts, Esq. Henry Sykes Thornton, Esq.
Lewis Loyd, jun., Esq. I John Henry Smith, Esq.
SECRETARY—George Keys, Esq.
ACTUARY—Griffith Davies, Esq., F.R.S.
LIFE DEPARTMENT.—Under the provisions of an Act of Par-
liament, this Company now offers to future insurers four-fifths
of
the Profits with Quinquennial Division, or a 13w Rate of premium
without participation of Profits.
The next division of Profits will be declared in June, 1855, when
all participating policies which shall have subsisted at least one year
at Christmas, 1854, will be allowed to share in the profits.
At the several past divisions of profits made by this Company, the
reversionary Bonuses added to the policies from one.half the profits,
amounted, en an average of the different aces, to about 1 per cent.
per annum on the sums insured, and the total bonuses added at the
four septennial divisions exceeded 770,0001.
FOREIGN RISKS.—The extra Premiums required for the East
and West Indies, the British Colonies, and the northern parts of the
United States of America, have been materially reduced.
INVALID LlVES.—Persons who are not in such sound health as
would enable them to insure their Lives at the Tabular Premiums,
may have their Lives insured at Extra Premiums.
LOANS wanted on Life Policies to the extent of their values, pro-
vided such Policies shall have been effected a sufficient time to have
attained in each case a value not under 50/.
ASSIGNMENTS OF POLICIES—Written Notices of, received
and registered.
Notice is hereby given, that Fire Policies which expire at :Mi-
chaelmas must be renewed within fifteen days at this, Office, or with
or with
:hey be-

the Company s Agents throughout the kingdom,
come void.

NATIONAL ASSURANCE AND
INVESTMENT ASSOCIATION,

7, St. 11I;riin';-place, Trafalgar-square, London.
The ,investment of money with this Association, which was
established in May, 1944, on a plan peculiar to itself, secures equal
advantages to the surplus capital of the affluent, and the provident
savings of the industrial classes of the community, and affords an
opportunity for realising the highest rate of interest yielded by first-
class securities, in which alone the money is employed.
Moneys deposite,d with the Association, for Investment, are
exempt from lia.bitees on account of life contingencies, as well as
the expenses of management, which are borne by the Life Depart-
ment, in consideration of the business brought to it by investment
transactions ; therefore, Depositors enjoy the entire profits yielded
by their capital free from deduction of any kind—an advantage
which no other Institution, either public or private, holds forth, or
can afford, to its members.
Interest or Dividend, is payable half-yearly, in January and July.
Capital Stock, £lOO,OOO.
The Capital Stock is altogether distinct and separate from the
Depositors' Stock in the Investment Department. It constitutes,
with the Premium Fund, a guarantee for the engagements of the
Association, and has been provided in order to render the security of
the Assured complete.
LIFE DEPARTMENT.
This Department embraces a comprehensive and well-regulated
system of Life Assurance, with many valuable and important im-
provements.
Full information and prospectuses may be obtained, on application
at the Head Office of the Association, or to the respective Agents,
throughout the United Kingdom.
PETER MORRISON, Managing Director.
N.B. Applications for Agencies may be made to the Managing
Director.

BRITISH EMPIRE MUTUAL LIFE
AND FIRE ASSURANCE OFFICES,
37, New Bridge-street, Blackfriars, London.
LIFE COMPANY.
In first five years 3 ,120 Lie Policies were issued for 553,3031., the
annual premiums on which were 32,8761. 17s. sd. The deaths con-
sumed five per cent. only of premiums. After laying aside adequate
funds for liabilities under policies, a bonus was declared, averacing
in present cash value nearly one-fourth of the premiums received.
During 1852 Life Policies for 173,2511. have been issued, being an ex-
cess over 1851, of 67,3761.
FIRE SOCIETY.

In first four years 6,766 Folicies for 2,724,1201. were Issued. Losses
have not exceeded 45 per cent. of premiums The return in cash to
members amounted to one-eighth of premiums received. During
1852 Fire Policies for 623,0931. have been issued, being an excess
over 1851 of 132,0311.

The expenses of these offices are lower than almost any other
office, combining the pure mutual principle with every modern im-
provement in the assurance system.
Pers,ns assuring their lives in 1852 participate in the next division
of profits.

W. S. GOITER, Actuary and Secretary.

'IIIIE LIVERPOOL AND LONDON FIRE
AND LIFE INSURANCE COMPANY.
Established 1836.
8 and 10, WATER-STREET, LIVERPOOL ;
and 20 and 21, POULTRY, LONDON.
Capital, Two Millions Sterling. Reserved Fund, 346,0001.
LIABILITY of PROPRIETORS UNLIMITED.
3fICIIAELMAS POLICIES should be renewed within fifteen
days after the 29th September; the Renewal Receipts are in the
hands of the agents.
FIRE INSURANCE at home and abroad on liberal terms.

LIFE INSURANCE in all its branches.
LIFE POLICIES, when taken out under Table No. 2, have FIXED
BONUSES GUARANTEED TO THEM, not contingent on Profits,
without any Liability of Partnership to the Assured, and at Moderate
Premiums.
Prospectuses, and all information, may be had on application.
BENJ. HENDERSON, Resident Secretary.
SWINTON BOULT, Beeretaty to the Company.