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

NORTH BRITISH AND 'MERCANTILE
INSURANCE COMPANY.
Established 1300.
Incorporated by Royal Charter and Special Acts of
Parliament.
AeZumulated and Invested Funds £2,122,8.28
Annual Revenue 422,401
FIRE DEPARTMENT.
Insurances Erranted both at Home and in Foreign Countries
On the most liberal terms.
LIFE DEPARTMENT.
Every facility offered to Insurers.
Ninety per Cent. of the Profits divided among the Insurers
On the participating principle.
The new Life business transacted in 1862 as follows :
Policies. Amount Inured. Premiums.
1,037 £768,334 £23,641 0 0
Poring of Proposal and every information will be furnished
On application at the
Lownox.

OFFICES :
58, Threadneedle-street.
,•
~ West-end Office.. 8, Waterloo-place, Pall-mall.
By order.
F. W. LANCE, Secretary.

LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.
At the ANNUAL MEETING of the Proprietors in this
Company, hold on Thursday, 25th of Fetruary, 1863,
JAMES ASPINALL TOBIN, Esq., in the Chair,
the Report of the Directors for the year 1862 was read ; it
Ehowed _ _ _

That the Fire Premium 3 of the year were £ .311,065 0 0
Against those in 1861, which were 360,131 0 0

Giving an increase in 1862 of £75,934 0 0
That Giving
new Life business comprised the
issue of 785 Policies, insuring__ 467,331 0 0
On which the annual premiums were
That there was added to the life reserve l3 935 711
79,277 11 4
That the balance of undivided profit was in-

creased
That the invested funds of the Company
amounted to
1,41708 8 4
In referenc3 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 ATKLNS, Resident Secretary, London.

21,725 9 7

THE QUEEN INSURANCE COMPANY.
156, Leadenhall-street, London, RC.
Queen Insurance-buildings, Liverpool.
Capital ONE MILLION STERLING.
At the Annual Meeting of the Proprietors, held at Liver-
pool, on the 21st October, 1865, BERNARD HALL, Esq.,
Chairman of the Company, in the Chair, the Directors'
Report for the year stated—
That the Fire Premiums for the year amounted to £70,300
being an increase over the preceding year of 22,580
That the Life Premium Receipts for the first three
years were ...
15,240
and for the past three years
being n increase in the latter triennial period
over the former of ..................... 28,308
That the amount accumulated since last Meeting, as
a Fire Reserve Fund, was
and the amount added to Life Fund was ...... 13,743
That during the past five years the Company had paid
for Claims
valued on the soundest principles, viz., Net Premiums at 3
per cent. interest, and that the Bonus to participating Policy-
holders averaged as much as 46 per cent. per annum of the
Premiums paid, while in some instances it was as high as 65,
70, and even 7i per cent.
A dividend was declared to proprietors at the rate of 8 per
Cent, per annum.
J. MONCRIEFF WILSON, Manager and Actuary.
JOHN E. LEYLAND, Secretary.

A.D. 1720.
ROYAL EXCHANGE ASSURANCE
CORPORATION
(Established 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, q., Governor.
UrEORCE PEARKES BARCLAY, Es sq., Sub-Governor.
Sir JOEIN HENRY PELLY, Bart., Deputy-Governor.

DIRECTORS.
rr7 Bainbridge, Esq. Wilmot Holland, Esq.
~obert Barclay, Esq. Earl of Leven and Melville.
dohn Garratt Cattley, Esq. Chas. Jno. Manning, Esq.
liark Currie Close, Esq. Henry Nelson, Esq.
William Davidson, Esq. The lion. Josceline W. Percy.
Thomas Dent, Esq. Charles Robinson, Esq.
Alexander Druce, Esq. Samuel Leo Schuster, Esq.
Predk. Jos. Edlmann, Esq. Eric Carrinelon Smith, Esq.
Riversdale W. Grenfell, Esq. William Soltau, Esq.
rßobt. Amadeus Heath, Esq. Joseph Somes, Esq., M.P.
m. Tetlow Flibbert, Esq.: William Wallace, Esq.
as. Stewart Hodgson, Esq. , Chas. Baring Young, Esq.
- - -

F.R.S.Medical Referee, SAMUEL SOLLY, Esq., .II S . .
pTI4
LIFE ASSURANCES may be effected with this
Corporation on advantageous terms.
_ The Reversionary Bonus on British Life Policies has ave-
raged nearly 2 per cent. per annum on the sum assured.
Equivalent 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.
tit" 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.
s A rate of
Bonus equal to the average returns of Mutual
ocieties—with the guarantee of a large invested Capital
Stock.

The advantazes of modern practice,—with the security,
of an Office Whose resources have been tested by the ex-
perience of nearly a CENTURY AND A HALF.
SPECIAL NOTICE.
Poncies on the participating system, granted on or before
the 31st December, 18i3, and in force at the close of the year
1865, Will be entitled to share in the next division of profits

ROYAL EXCHANGE, LONDON.

ROBT. P. STEELE, Secretary,

PROVIDENT CLERKS' MUTUAL LIFE
ASSOCIATION.

Established 1840.
TRUSTEES.

Thomas Baring, Esq., M.P. Wm. Geo. Prescott, Egg
I
Thomson Hankey, Esq., M.P. Baron L. de Rothschild, M.P.
Mutual Life Assurance for all classes.
This Association has now in existence 6,000 policies, for a
total sum of £1,500,000.
The Annual Income is .. • • • •
,000
The Accumulated Fund exceeds £5100)0 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 .. • • • • • • Z,',400
„ 3852 . • • • • • • • 11,500
„ 1857 .. • • • • 23 200
Snaking „ 1862 .. • • • • • • • . 56,500
the total bonus additions, £0f3,600.
Bonuses may be received in clsh or appllezi to the redue
tion of premiums at the option of the assured, in lieu of an
addition to the policy.
Attention is especially invited to the system of free or paid-
policies introduced by this Association, by which the
sacrifice so often submitted to on the relinquishment of
po icy is wholly avoided.
The balance-sheets of the Association are open to all,
Whether assurers or otherwise.
Active and influential agents will be appointed in unrepre-
sented districts.

WM. TIIOS. LINFORD, Secretary,
Chief Office, 15, Moorgate-street, E.C., Aug 1, 1863.

THE ROYAL INSURANCE COMPANY.
HEAD OFFICES,
29, Lombard-street, London, and Royal InEurance-
buildings, Liverpoel.
Total Annual Revenue exceeds £500,0,0,
Accumulated Funds in hand over 1,000,000.

Chairman in Liverpool:
CHARLES TURNER, Esq., M.P.
_... .

_ .
Chairman in London :
WILLIAM WAINWRIGHT, Esq.

EXTRACTS FROM THE REPORT FOR THE YEAR
The Directors of the RoylBa6l2insnrance Company are now
meeting of its Sharehoders.
called upon to make their
accustomed periodical Report at the
The Directors have,Falßs
pleasingly
BRANCH.
•
,sfongl/eas unexpectedly, at the
close of the year, to announce,
xrseetedtimze3oo, thatthe,ooo. Fire
Premiums have not only reached, butt eft
The high comparative iaosition held by the Royal in the
is agsin fully nuintamcd.
Government Returns of Duty
The profit of the business of the year exceeds considerably
the amount realised in the precelng year, and in fact sur-
passes that of any year, with but two exceptions, sines the
commencement of thin Office, the balance to the credit ou
account of British and Foreizu Insurances being £45,107 10s.
Sd., and of the North American business, whichis kept sepa-
rately, £11,097165. lOd.
LIFE BRANC ET.
•-

The very gratifying duty now jali,eilesliupeosnfothrethDe yearirecto 186
Directors to
state the sum assured on new
exceeds even that of the yesr laB6lebuyntfor£lBo,ooo,a in
asnelzhieasyaerftr arrived
at the almost unexampled amount
which
£701,427 on 1,498 new policies Issued.
m reUanestuilwd as ta htithin thelast
(el, years it is believed that such asu
"'Just been announced as the result of one year's business
Was all but unheard of.
This 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
future 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 forassuran^e a mounts 10 £' 43,281. 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-
elute in a single year from deterioration of some kind or
another.
If, to complete their review, the Directors now advert
briefly to the United Kingdom, they have to announce that
tin Fire Business its progress has been undoubtedly more
rapid than that of any other Company established either in
Loud ;n or elsewhere, except when amalgamations have taken
place. The returns of duty have proved this. In Life, the
amount of New Policies already reported make all other
evidence needless.
The Directors conclude their present Report with the
expression of an opinion that the prospects of the Royal
Insurance Companyg7aetrefnever brizhter, and of a consequent
founded ounnatad
for
ruil remembrance of the past, that
hope,
tilde. combining distinguisiledpolitereot
the future may
(ofnee with a ler.gthened carteaers usefulnessatill greaterandvromteac:inoin-
commercial success to the
to the public.
JPOIINCYBU. 6-19Nys.E.r,
01INa,nasp;eocrreallyAinctuLaornyd.
on.

ALGERIAN ONYX m-------
'
—ARBLE. Messrs.
Pect.ruuy solicit an
HOWELL, JAMES, and co ,
pwards of
consisting of Clock., CandelabLrtrus u
inspection of their Onyx Salon, whi'oireo
3,009 objects,
Jardinieres, Inkstands, Pen-trays, anddelabra, a varlet'Lamps,Vases,
articles of taste, at moderate prices, Y of smaller
This beaut:ful marble is perfectly translucent, bears fine polish, presents a diversity of pleasinc; tints, and caa veryn
turned or chiselled into any form necessary for utility or
9, Regent-street, Pall-mall.
ornament, —5, 7,

NOTHING IMPOSSIBLE.—The greatest and
most useful invention of the day, AGUA AMARELLA.
Messrs. JOHN GOSH ELL and CO., 3, King-court, Lombard-
street, London, Perfumers to her Majesty, respectfully offer
to the public this truly marvellous fluid, which gradually
restores the human hair to its pristine hue—no matter at
What age. The Agua Amarelia has none of the properties of
dyes ; {t, on the contrary, is beneficial to the system, and
'when the hair is once restored one application per month
rlll keep it in perfect colour. Price one guinea per bottle, or
half bottles, 10s. 6d. Testimonials from artistes of the
highest order, and from individuals of undoubted respecta-
bility, may be seen on application. Messrs. John Gosnell
and co. have been appointed Perfumers to her Royal High-
latti the Princess of `Yates.