The Sun.
London, England, 1852-12-23 00:00:00

PIIYSICIANS,

Dr. Lewis, Finsbury-place.
Dr. Scanlan, 21, tipper Seymour-street West, I.lslllllMght-squarc.

SURGEONS.

11. T. Chapman, Esq., 16, Lower Seymour street, Portman-square.
Michael 'feevan, Ecq., 44, GloUceiter-place, Ilyde-park-gardeno,

CONSULTING ACTUARY.
Francis G. P. Neison, F,,q., F.L.S.
INSPECTOR OF AGENCIES.
F. P. F. Strousbere, Esq.
STANDING COUNSEL.
William Wellington Cooper, Esq., New-square, Lincoln's-inn.
SOLICITORS.
Messrs. Hill and Mathews St. liary-axe.
RESIDENT SECRETARY.
Charles W. Bevan, Esq. •
The public Is respectfuly invited to examine the principles of the
Deposit System of Assurance, which is based upon tables calculated
by, and is under the immediate supervision of, Francis G. P. Nelson,
Esq., F.L S., the Consulting Actuary to the Company-
Comparative Tables to asmre 500/ on death, by a person aged
twenty next birthda3r, on the ORDINARY and on the DEPOSIT system
of Assurances.
ON THE ORDINARY SYSTEM.

The sum the ordinary
The sum the I.ife Offices would give
ordinary 1.413 ihim if he were unable
Offices would to pay, or if he omitted
At the Ills give him for to pay his current
end of policy the surrender annual premium of
. Annual thirty at that or sale 81.65. 3d. after he has
75 premium yearswhen age, of his policy, paid into their coffers
ri to assure the party in case after thirty 249/.78.6d., and which
500/.* is fifty of years'payments they have had the use
years old, death amounting to of at compount
be hewill have will be 2491. 7s. 6d, interest,t or in
paid into worth which theyhave the event of his death
the office. had the benefit one hour after such
of at compound emission or inability
interest. to pay.
-
little more
20181.613.3d.249/.75.6d. 5001. than 801, NOTHING.
Perhaps 901,
ON THE DEPOSIT SYSTEM.
/Hunableto pay, or not
desirous of paying or
omitting topay,thePo-
iicy would still remain
of its FULL value
522/.25.7d.ti1l death, if
'2O 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
c erdtain the
20 '2l i/.los Od 225/. 5221.287 d 287/. 2s. 9d s. 9. M the bargain,
which is more
than one-fourth of the
whole ofhis payments,
or he could either draw
out a part, 201. or 502.,
diminishing the Policy
only by the assured
value of the sum so
drawn oat at the age
whenthdrawn. See
pages aud7in detailed
pamphlet, by
F. G. P. Nelson, Esq.

* The rates here selected are those adapted by the English and
Cambrian Office, and advertised in its distinctive features as low
rates of premium, and professedly for the lower and midding classes.
In most offices, narticularly the older oncy such as the Scottish
Equitable and the Globe, these rates would be much higher. the
e
former of 101. 7s. 6d., with 10 shillings per cent. entrance fee,
be the rate to insure 500/. at 20 years o'age. In the latter6l. 13s 4d.,
to insure the same sum. The higher tae rate the more in favour of

the DEPOSIT system.
t Money laid out at compound interest DOUBLES ITSELF every
far.

teen years.
On comparison elf these two tablei it will be seen that a person
under the novel system of DEPOSIT assurance can secure the follow-
ing advantages, viz., lst. For a less sun, paidaanually, aanually, he can assure
a larger sum in case of death thrn under the ordinary system.
andly. In the event of a desire to surtender his Policy he caa receive
in this Company, by the above exanple, which applies to all ages.
THREE times as much as on the ordinary system. 3rdly. In the event
of inability or omission to pay, his policy remains still his property,
of the same value as it w thon) he cease his current payments
for any number of years ;whereas en the ordinary system, he gets
nothing. 4thly. Should lie require to increase or decrease the
amount of his policy he can do so at pleasure. lle can, at any One,
by giving a fortnight's notice, withdraw any part from it up to the
whole amount of his previous payments and with interest. After he
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 having a find to fly to in ease 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 fainily receive more than
the amount ot his savings. In ordinary Life Offices he can do no
such thing, but his policy at once lapses or is cancelled the moment
he ceases to pay ha 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 systetn of assurance which
cane
universally recognized and adopted when the principles are
tially canvassed, and its palpable benefits become widely diffused. It
confers greater advantages than a b •nk because it allows a fair rate
of interest in case of withdrawal, andgives twice the amounts in the
hands of the Company to the repre3entatives of the Depotor in
case of death, thus combining the
AD VANTAGES OF A 'BANE WITH TIIF, BENEFITS OF
AN ASSURANCE COMPANY.
In case of endowment nssaranceS the advaatages of the DEPOSIT
system are still more striking. ,
ADVANTAGES OF THIS coigrA NY UNDER TEE ORDINARY
LIFE ASSUR)NEE BRA:TCII.
To those who prefer tide branch
Policies ate granted from 201. to
5,0001. on every known principle thereof.
Lives in all but the worst at ages of disease, and such as have been
rejected by other Offices, are taken at rates equivalent to the 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 Pol ey —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 c9t., inte-
rest corr .sponding in amount to the whole of the previous pay?ents
which have been made.
Detailed prospectuses with tables in further illustration One 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. .-

edin all parts of the World.