The Sun.
London, England, 1863-11-12 00:00:00

Noßni BRITISH AND MERCANTILE
INSURANCE COMPANY.
Established 1809.
Incorporated by Royal Charter and Special Acts of
Ace umulated and InvestePdarFliamdent
Arvaual Revenue.... . £2,122,828
FIRi..I;E.Iun'A;,s'I:II. .N.;': ********
Insuirair•es f,'Tanted both at Home and in Foreign Countries
42.2,401
on the most liberal terms.
LIFE DEPARTMENT.
Tv LIFE facility offered to Insurers.
is„N,l,nety per Cent. of the Profits divided among the Insurers
" thee participating principle.
The new Life business transacted in 1862 as follows :
Policies. Amount Insured. Premiums.
1,037
£768,334 £23.641 0 0
4nt.PalZiscaotfi
oPuroartshael and every information will be furnished

lONDoN OFFICES:
....... 58, Threadneedle-street.
4, New Bank Buildings, Lothbury.
West-end Office.. 8, Waterloo-place, Pall-mall.
By order.
F. W. LANCE, Secretary.

LivEßpooL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.
At the ANNUAL MEETING of the Proprietors in this
Company, held on Thursday, 25th of Fetruary, 1863,
JAMES ASPINALL TOBIN, Esq.. in the Chair,
thp Report of the Directors for the year 1862 was read; it
Ehowe, t :
That the Fire Premiums of the year were £136,065 0 0
Aga'aist those in 1861, which were 360,131 0 0

fit'ving an increase in 1862 of £75,931 0 0
Titat the new Life business comprised the

467,331 0 0
13,935 7 11
re
n issuew hicoht 7tBhseannualPolicies,
i insuring...
premiumssu i ng
That there was added to the life reserve 79,277 11 4
That the balance of undivided profit was in-
creased
'That the invested funds of the Company
amounted to
In reference to the very large increase of £76,000 in the
Fire premiums of the year, it was remarked in the Report,
" The premiums paid to a company are the measure of that
company's business of all kinds ; the Directors, therefore,
prefer that test of' progress to any the duty collected may
afford, as that applies to only a part of a company's business,
and a large share of that part may be, and often is, re-insured
with other offices. In this view the yearly addition to the
Fire premiums of the Liverpool and London Company must
be very gratifying to the proprietors."
SWINTON BOULT, Secretary to the Company.
JOHN ATKINS, Resident Secretary, London.

25,725 9 7

T QUEEN INSURANCE COMPANY.
156, Lc,a(lenhall-street, London, E.C.
Queen insurance-buildings, Liverpool.
Capital ONE MILLION STERLING.
At the Ann-nal Meeting of the Proprietors, held at Liver-
pool, on th,, 21st October, 186 t, BERNARD HALL, Esq.,
Chairman of the Company, in the Chair, the Directors'
Report for: the year stated—
That the,
be' Vire Premiums for the year amounted t 0.... 470,300
rr an increase over the preceding year o three 22,580
That %he' Life Premium Receipts for the first
yerira were
.............. 15,249
arid for the past three years .................... 43,557
b eing an increase in the latter triennial period
over the former of ......................... 28,308
Thy.t the amount accumulated since last Meeting, as
a Fire Reserve Fund, was... .. .................... 23,427
'and the amount added to Life Fund was ....... ... 13,743
That during the past five years the CoMpany had paid
for Claims , ................ 106,5
fhe Actuary reported that the Life Liabilities had beenls 'valued on the soundest principles, viz., Net Premiums at 3
per cent. interest, and that the Bonus to part•cipating e Policy-
holdersium avera
pa id, while gd as much as 46 per cent. per annum of the
70, an.( even 7 ,
Prems in sOme instances it was as high as 65,
per cent.
A livid nd was dec:ared to proprietors at the rate of 8 per
cent, per annum.
J. MONCRIIIFF WILSON, Manager and Actuary.
JOHN E. LEYLAND, Secretary.

A.D. 1720.
ROYAL EXCHANGE ASSURANCE
CORPORATION
(EitabPished by Charter of his Majesty George the First)
FOR SEA, FIRE, LIFE, AND ANNUITIES.
Offices, Royal Exchange, London.
Branch Office, 29, Pall-mall.
OCTAVIUS WIGRAM, Esq., Governor.
CrEORGE PEARICES BancLAv, Esq., Sub-Governor.
Sir JonN HENRY PELLY, Bart., Deputy-Governor.
DIRE

JRB.
nenrY Bainbridge, Esq. Wiimot Holland, Esq.
Robert Barclay, Esq. Earl of Leven and Melville.
John Garratt Cattley, Esq. Chas. Jno. Manning, Esq.
Mark Currie Close, Esq. Henry Nelson, Esq.
William Davidson, Esq. The Hon. Josceline W. Percy.
Thomas Dent, Esq. Charles Robinson, Esq.
Alexander Druce, Esq. Samuel Leo Schuster, Esq.
Fredk. Jos. Edlmann, Esq. Eric Carrington Smith, Esq.
itiversdaleW. Grenfell, Esq. William Soltau, Esq.
Lobt. Amadeus Heath, Esq. Joseph Somes, Esq., M.P.
Tetlow Hibbert, Esq.' William Wallace, Esq.
Jas. Stewart Hodgson, Esq. Chas. Baring Young, Esq.
Medical Referee, SAMUEL SOLLY, Esq., F.R.S.
CoE and LIFE ASSURANCES may be effected with this
or poration on advantageous terms.
The Reversionary Bonus on British Life Policies has ave-
raged nearly 2 per cent. per annum on the sum assured.
-Ecuivalent reductions have been made in the Premiums
aYable by persons who preferred that form of Bonus.
The divisions of Profit take place every Five years.
Life
AnY sum not exceeding £15,000 may be insured on one
This Corporation affords to the Assured—
Liberal participation in Profits—with exemption from
the liabilities of partnership.
SocA rate of Bontts equal to the average returns of Mutual
ieties—with . the guarantee of a large invested Capital
ck.
oeThe ndvar,tages of modern practice,—with the security.
a:n Office whose resources have been tested by the ex-
rice of nearly a CENTURY AND A lima.
SPECIAL NOTICE.
P°)icil' on the participating system, granted on or before
the 31st
1865 . Oecember, 18r3, and in torce at the close of the year
be entitled to share in the next division of profits
ROYAL EXCi/ANGE, LONDON.
ROBT. P. STEELE, Secretary.

pROVIDENT CLERKS' MUTUAL LIFE
ASSOCIATION.
.
Established 1840.

TRUSTEES.
Thomas Barinr, Esq., M.P. I Win. Geo. Prescott, Esq.
Thomson Ha.nkey, Esq., M.P. I Baron L. de Rothschild,M.P.
Mutual Life Assurance for all classes.
This Association has now in existence 8,000 policies, for a
total sum of £1,500,000.
The Annual Income is .. ••
.. £51,000
The AcCuMulated Fund exceeds • • 2.11,, 00
It has paid in Claims
.. • •
..
112,000
The whole of the profits are divided quinquennially among
the Members. Three divisions have already been made'
when the following sums have been added as bonuses to the
policies
Dec. 31, 1847 .. .. • . ..
.. £5,400
11 1852 .. • • • • • • 11,500
1857 .• • •• • • 3.200
• • 2
_, 1862 . , .. „
..
Making the' total bonus additions, X 96,600. * . u 6,500
Bouuses ma:-,
seat in cash or appliel to the reduo
tion of premiu the option of the assured, in lieu of an
addition to the : ol:cy.
Attention is espetially invited to the system of free or paid-
up policies intro/limed by this Association, by which the
sacrifice so ofteia submitted to on the relinquishment of
po icy is wholly. avoided.
The balan ze,-sheets of the Association are open to all,
whether asF,urers or otherwise.
Active a'rid influential agents will be appointed in unrepre-
sented diAvicts.

Chief W 1• THOS. LINFORD, Secretary.
Office, 15, Moorgate-street, E.C., Aug 1, 1863.

?VETE ROYAL INSURANCE COMPANY
MEAD Omens,
29, Lombard-street, London, and Royal Insurance-
buildings, Liverpool.
Total AnnuP.l Revenue exceeds £5OO,OA
Accumulated Funds in hand over 1,000,000.

Chairman in Liverpool :
CHARLES TURNER, Esq., M.P.
Chairman in London :
WILLIAM WAINWRIGHT, EN.

.'nucrs FROM THE REPORT FOR THE YEAR
1862.
The Directors of the Royal Insurance Company are now
'called upon to make their accustomed periodical Report at the
Meeting of its Shareholders.
RE BRANCH. The Directors have, F
als pleasingly s unexpectedly, at the
close of the year, to announce, for the first time, that the Fire
Premiums. b.ave not only reached, but exceed L 300,000.
The high comparative position held by the Royal in the
Govern ment Returns of Duty is again fully maintained.
The profit of the business of the year exceeds considerably
the amount realised in the preceding year, and in fact sur-
passes that of any year, with but two exceptions, since the
commencement of thi. Office, the balance to the credit on account of British and Foreign Insurances being L 45,107 10s.
6d., and of the North American business, which is kept sepa-
rately, £11,00716x. 10d.

PERCY M. DOVE Manager and Actuary.
JOHN B. JORNSTON, Secretary in London.

LIFE BRANCH.
The very gratifying duty now falls upon the Directors to
state the sum assured on new policies for the year 1862
exceeds even tat of the year 1861 by £lBO,OOO, and has arrived
at the almo4 unexampled amount for a single year of
£701,427 00, 1,498 new policies issued. Until within the last
few year, ft is believed that such a sum aosured as that which
has Just. been announced as the result of one year's business
was all hut unheard of.
'Allis portion of the Company's business has been carefully
'watched, and cannot fail to give much satisfaction to the
shareholder, as well as no small encouragement for the
fur are to the participating life assurer.
Evidence of continued care in the selection of lives is amply
afforded by a statement of the number rejected. These have
amounted to 311 for the year, on which the aggregate sum
Proposed for assuran,m amounts to £143,281. Various degrees
of ineligibility have led to these lives being declined.
No small number of the Assurance Companies of the day
record their accepted lives annually at a sum not much, if at
all, exceeding those which the Royal has declared as inadmis-
sible in a single year from deterioration of some kind or
another.
.. If, to complete their review, the Directors now advert
briefly th the United Kingdom, they have to announce that
in Fire Business its progress has been undoubtedly more
tapid than that of any other Company established either in
'on don or elsewhere, except when amalgamations have taken
Place. The returns of duty have proved this. In Life, the
amountof New Policies already reported make all other
evidence" needless.
Directors conclude their present Report with the
the iuturen
int:4(7_ll_of an opinion that the prospects of the Royal
hope, t`7," ,djolnpany were never brighter, and of a consequent
me d on a grateful remembrance of the past, that
tude,
e"ibialienTe:gnthioelnde
forci it a sphere of still greater magni-
°Rice with Qg disting,uished commercial success to the
to the pub career of usefulness and protection
•

ALGERIAN ONYX MARBLE. Messrs.
HOWELL, JA ON and ,respectfully
impection of their Onyx lalon, which contains upwards of
LOW objects, consisting of Clock., Candelabra, Lamps,Vaß•s,
Jardinieres, Inkstands, Pen-trays, and a variety of smaller
solioit an
articles of taste, at moderate prices.
This belut!ful marble is Derfectly translucciit. bears a very
ii4ii frt'sents a diversity of Pleasing tints, and can be
tine PI)" ' - ‘lled into
dust a.ny form nc.cessary for utility or
Regent-street, Pall-mall.
01 iitnrnaendit.notr._s,
7,
~

g
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