The Sun.
London, England, 1852-12-11 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 midd.ing classes.
In most offices, particularly the older ones, such as the Scottish
Equitable and the Globe, these rates would be much higher. In the
former of 101. 7s. Gd., with 10 shillings per cent. entrance fee, would
be the rate to insure 5001. at 20 years of age. In the latter St. 13s 4d.,
to insure the same sum. The higher the rate the more in favour of
the DEPOSIT system.
t Money laid out at compound interest DOUBLES ITSELF every fair-
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-
ing advantages, viz., Ist. For a less sum, paid annually, he can assure
a larger sum in case of death than under the ordinary system.
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,
THREE times as much as on the ordinary system. 3rdiy. In the event
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 1/ up to the
whole amount of his previous payments and wit
single payment,
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 fur his money, and in case of death his family receive more than
the amount of his savings. In ordinary Life Offices be 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 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.
Such a system is too equitable and too striking to be overlooked
and DEPOSIT assurance is the only system of assurance which can be
universally recognized and adopted when the principles are impar-
tially canvassed, and its palpable benefits become widely diffused. It
confers greater advantages than a bank because it allows a fair rate
of interest in case of withdrawal, and gives twice the amount in the
Stands 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 TAE ORDINARY

FE ASSURANCE BRANCH

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 tke parti-
cular disease.
Loans from 501. 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
i 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. BRYAN, Resident Secretary.

N. B.—Agents Wanted in all parts of the World.