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

LIVERPOOL ANI) LONDON FIRE AND
LIFE INSURANCE COMPANY.
At the ANNUAL MEETING of the Proprietors in this
"41,,Pany, held on Thursday, 25th of February, 1863,
JAMES ASPINALL TOBIN, Esq.. in the Chair,
the
howed Report of the Directors for the year 1862 was read ; it
's
That the Fire Premiums of the year were... £136,065 0
'Against those in 1861, which were 360,131 0 0
nivin £75,934 0 0
g, an increase in 1862 of
That the new Life business comprised the
issue of 785 Policies, insuring...... 407,331 0 0
1:41 Which the annual premiums were 13,935 7 11
4hat there was added to the life reserve -
79,277 11 4
creased
4:',Aat the invested funds of the Company
amounted to 1,417,808 8 4
Pire
I 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 &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
'ire premiums of the Liverpool and London Company must
De very gratifying to the proprietors."
SWINTON BOULT, Secretary to the Company.
JOHN ATKINS, Resident Secretary, London.

THE QUEEN INSURANCE COMPANY.
156, Leadenhall-street, London, E.C.
Queen Insurance-bui4dings, Liverpool.
Capital ONE MILLION STERLING.
At the Annual Meeting of the Proprietors, hilAldLatLl; Eiv.eqr.-.
Pool, on the 21st October, 1863, BERNARD
Chairman of the Company, in the Chair, the Directors'
Report for the year stated—
That the Fire Premiums for the yearedritnnruyneartedotfo.....
being an increase over the r 42270,830800
What the Life Preraium "iteoeiPpteca for the first three
years were
and for the past three years
being ,3n increase in the latter triennial period
over the former of ............................ 28,108
Th at the amount accumulated since last hleeting, as
a Fire Reserve Fund, was ... • . ..................... 23,427
and the amount added to Life Pund was • 13,743
That during the past five years the Company had paid
for Claims ....................................... 106,515
The Actuary reported that the Life Liabilities had been
valued on the soundest princlples, viz., per cent. interest, and that the Runns to participating Policy-
Net Premiums at 3
holders averaged as much as 15 per cent, per annum of the
Premiums paid, while in sonie instances- it was as high as 65,
70, and even 75 per cent.
A divich nd was declar d,
J. AnIONNI?LIE,irL;Fe
Cent. per annum. tOcroprietors at the rate of 8 per
WILSON, Manager and Actuary.
AND, Secretary.

A.D. 1720.
° YAL EXCHANGE ASSURANCE
CORPORATION
(Esfablis'aed 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.
liEORGE PEARKES BARCLAY, Esq., Sub-Governor.
Sir JOHN HENRY PELLY, Bart, Deputy-Governor.
DIRECTORS.
Wilmot Holland, Esq.
Earl of Leven and Melville.
Clias. Jno. Manning, Esq.
Henry Nelson, Esq.
The Hon. Josceline W. Percy.
Charles Robinson, Esq.
Samuel Leo Schuster, Esq.
Eric Carrington Smith, Esq.
William Soltau, Esq.
Joseph Somes, Egg., M.P.
William Wallace, Esq.
Chas. Baring Young, Esq.

Bont",
rt Bainbridge, Esq.
e Barclay, Esq.
Oolin Carratt Cattle, Esq.
Clark Currie Close, Escl"
~Pilliam Davidson, Esq.
Thomas Dent, Esq,
~"lexander Drum, Esq•
J'redlc. Jos. Edlmann, Esq.
Rtversdale W. Grentell, Esq.
~-I,,Zobt. Amadeus Heath, Esq.
Tetlow Hibbert, Esq.:
"as. Stewart Hodgson, Esq.

Medical Referee, SAMUEL SOLLY, Esq., F.R.S.
PIPE and LIFE ASSURANCES may be effected with this
Corporation on advantageous terms.
The Reversionary Bonus on British Life Policies has aye-
l'aged 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.
L ife
AnY sum not exceeding g £15,000 may be insured on one
i

This Corporation affords to the Assured—
Liberal participation in Profits—with exemption from
the liabilities of partnership.
So A rate of Bonus equal to the average returns of Mutual
Stocck. ieties—with the guarantee of a large invested Capital
The advantar.res 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.
PoliciPs on the participating system, granted on or before
the 31st December, 1863, and in force at the close of the yo-itt
1865, will be entitled to share in the next division of profits
ROYAL EXCIIANGE, LONDON.

ROBT. P. STEELE, Secretary.

pROVIDENT CLERKS' MUTUAL LIFE
ASSOCIATION.
Established IE4O.
TRUSTEES.
rrna Baring, Esq., M.P. IPrescott, Esq.
k.tomson Hank.ey, 14:sq., M.P. I Baron L. de Rothschild, M.P.
Mutual Lif, Assurance for all classes.
This Assor;iation has now in existence 6,000 policies, for a
total sum of £1,500,000.
The. Annn al Income is .. • • .. £51,000
Tide Accumulated Fund exceeds .. 2 0,, 00
It has paid in Claims .• .. 112,000
thThrd whole of the profits are divided quinquennially among
.:,the IV/embers Three divisions have already been made'
" "et, the following sums have been added as bonuses to the
ies _

Dec. 31, 1847 .. .• • • • • •• £5,400
1852 .. • • • • •• 11,500
„ 1857 .. 23.200
56,500
1862 .. • • • • " • •
the total bonus additions, £96,600.
ti —"uses ma:,. be received in cash or applied to the redue
—on (4 premiums at the option of the assured, in lieu of an
addition to the I obey.
Atten'zion is especially invited to the system of free or paid-
sa
110 policies introduced by this Association, by which the
criflee so often submitted to on the relinquishment of
1)°
~,ley is wholly avoided.
he 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. THOS. LINFORD, Secretary.
fliief Office, 15, Moorgate-street, E.C., Aug 1, 1863.

THE ROYAL INSU RANCE COMPANY
BEAD f..)PricEs,
29, Lombard-street, LoJadon, and Royal InauranCe-
buildi•AgB, Liverpoel.
Total Annual Revue exceeds £sooolo.
Accumulated Furdis in hand over 1,000,000.

Cnairman in Liverpool:
CIIA:RLES TURNER, Esq., M.P.
Chairman in London :
WILLIAM WAINWRIGHT, Esq.

RxTR

ACTS FROM THE REPORT FOR THE YEAR
1862.
The 1-Jtrectors of the Royal Insurance Company are now
called
Aleett:Poo to make their accustomed periodical Report at the
Theoptihr
of its Shareholders.
FIRE BRANCH.
cloy e
Premiums
Director have, as pleasingly as unexpectedly, at the
yeas have,
to announce, for the first time, that the Fire
The high zerunot only reached, but exceed £300,000.
Government Retnearatiye position held by the e _
Royal in the
The profit of the.bs of Duty is again fully maintain d.
the amount rallsemess
he of the year exceeds cons
tact sur-
commencement ot
passes that of any; vest with *I twith but two exceptions, since the
A
..... Office, the balance to the credit on
account of British and Foreign Insurances being £45,107 108.
5d., and of the North
rately, £11,097 16s. 10d. American business, which is kept sepa-

LIFE BRANCH.
The very eTatifying duty now falls upon the Directors to
'State the KUM assured on new policies for the year 1862
exceeds even that of the ye*r 1861 by £lBO,OOO, and has arrived
at the almost unexampled amount for a single year of
£701,427 on 1,498 new policies issued. Until within the last
few Yearn it is believed that such a sum aesured as that which
I._" just been announced as the 'milt of one year's business
was all but unheard of.
portion of theeompany's business has been carefully
watched, and cannot fail to give much satisfaction to the
tUtreholder, as well as no small encouragement for the
Ire 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
aproposed
to 311 for the year, on which the aggregate sum
tgreyosed for as suran A mounts to £ 41,28 I. Various degrees
of ineligibility have led to these lives being declined.
_No small number of the Assurance Companies of the day
record th-eir accepted lives annually at a sum not much, it at
il,
e .eding those which the Royal has declared as inadmis-
-816, I.n a single year from deterioration of some kind or
4110tlier.
bto complete their review, the Directors now advert
''enY to the United Kingdom' they have to announce that
Eire Business its progress has been undoubtedly more
'-anid than that of any other Company established either in
londan or elsewhere, except when amalgamations have taken
"tee. 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
rpression of an opinion that the prospects of the Royal
hope
Company were never brighter, and of a consequent
11ePe, to mded on a grateful remembrance of the past, that
re future may untold for it a sphere of still greater map. ni-
E,lde, combining distinguished commercial success to the
()Mee with a le a:gthened career of usefulness and protection
to the pubic.
pERCY M. DOVE, Manager and Actuary.
JOHN B. JOHNSTO, Secretary in London.

ALGERIAN ONYX MARBLE. Messrs.
HOWELL, JANIES, and CO., respectfully soli3it an
ins HOWELL,
of their Onyx salon, which contains upwards of
Tv) Weds, consisting of Clock Candelabra, Lamps,Vases,
ardiniir-es, Inkstands, Pen-trays, and a variety of smaller
articles of taste, at moderate prices.
This beautiful marble is perfectly translucent, bears a Yen,
ne polish, presents a diversity of pleasing tints, and can be
urned or chiselled into any form necessary for utility or
ttnaraent._s, 7,9, neg,ent-street, Pall-mall.

N-OTHING IMPOSSIBLE.—The greatest and
most useful invention of the CO,
AGITA AMARELLA.
jqessrs. JO AN GOSNELL and CO., 3, King-court, Lombard London, Perfumers to her Majesty, respectfully offer
° the public this truly marvellous fluid, which gradually
l'estores the human hair to its pristine hue—no matter at
trat an.e. The Agua Amarelia has none of the properties of
; it, on the contrary, is beneficial to the system, and
;Ti. 11 the hair is once restored one application per month
-`" keen it in perfect colour Price one guinea per bottle, or
!It 1141 f bottles, 10s. Gd. Testimonials from artistes of the
Plghest order and from individuals of unaoubted respecta-
bility
" m --ay be seen on application. Messrs. John Gosnell
and yo. have been appointed Perfumers to her Royal High-
ness the Princess of Wales.