The Sun.
London, England, 1863-08-20 00:00:00

NORTH BRITISH AND MERCANTILE
INSURANCE COMPANY.
Established 1809.
Incorporated by Royal Chr.rter and Special Acts of
Parliament.
Actumnlated and Invested Funds
Annual Revenue 422,401
FIRE DEPARTMENT.
Insnran-es grantei 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 I raneaeted in 1862 as follows :
Policies. Amr-nnt Premiums.
1,037 £763,334 £23,641 0 0
Forms of Proposal and every information will be furnished
on application at the

OFFICES CONDORSB, Threßdneeille-street.
4, New Bank Buildings. Lothbnry.
West-end Office.. 8. Waterloo-place, Pall-mall.

THE ROYAL INSURANCE COMPANY.
HEAD OFFICES,
29, Lombard-street, London, and Royal Insurance-
buildings, LiverpoeL
Total Annual Revenue exceeds Von,o,n.
Accumulated Funds in hand over 1,030,000,

Chairmnn in Liverpool :
CHARLES TURNER, Esq., M.P.

Chairman in London

WILLIAM WAINWRIGHT, Esq.

EXTRACTS FROM THE REPORT FOR THE YEAR
1862.

- -
The Directors of the Royal Insnrance Company are now
called upon to make their accustomed periodical _Report at the
Meeting of its Shareholders.

FIRE .
The Directors have, as p'easinßßANCHgly as unexpectedly, at the
close o the year, to announce, for the first time, that the Fire
Premiums have not only reached, but exceed X 300,000.
The high comparative position held by the Royal in the
Government Returns of Duty is agsin fully mhintamed.
The profit of the business of the year exceeds considerably
the amount realised in the preced ng year, and in fait sur-
passes that of any year. with but two exceptions. sine the
commencement of thi • OfEet, the balance to the credit on
account of British and Foreign Insurances being £15,107 10s.
5d., and of the North American business, which is kept sepa
rately, £11,097 168. 10d.

LIFE BRANCA.
The very gratifying duty now falls upon the Directors to
state the sum assured on n w policies for the year VII!
exceeds even that of the yesr 1801 by £lBO,OOO, and has arrived
at the almost unexampled amount for a sing.le year of
£701,427 on 1,498 new policies issued. Until within the last
few years it is believed that such a sum assured as that n hich
has 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 ere 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 sumo
proposed for assuran 'e s mounts to .£ 43,281. Various degrees
of ineligibility have led to these lives being declined.
No small of the Assurance 1 ompanies 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 to the United Kingdom, they have to announce that
in Fire Business its progress has been undoubtedly more
rapid than that of any other Company established either in
Lond)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 Company were never brighter, and of a consequent
hope, founded on a grateful remembrance of the past, that
the future may unfold for it a sphere of still greater to aeni-
tude, eembinieg distinguished commercial success to the
Office with a lengthened weer of usefulness and protection
to the pubic.

PERCY M. DOVT, Manager and Actuary.
JOHN B. JOHNSTON, Secretary in London

NORWICH UNION FIRE INSURANCE
SOCIETY.
The business of tile Company exceeds £70,000,000.
The duty paid to Government for the year 1562 was
£85,062, and the amount insured on farming stock,
£10,086,332.
A bonus of three-fifths of the profi's periodically made to
parties insuring, who have thus, from time to time, received
sums amounting, in the aggregate to £440,000; and the Society
now holds a large Res rve appli
.able to a future Holm.
The rates of premium are in no case higher than those
enarged
their insurers by the other principal offices making no returns to
st ree
For pro•pectuses apply at the Society's Offices, Surrey-
friars t, Norwich ;and 6, Crescent, New Bridge-street, Black-
, E.C.

GUARDIAN FIRE AND LIFE ASSURANCE
COMPANY,
No. 11, Lombard-street, London, E.C.
Established 1821.
Subscribed Capital, Two Millions.
--

"
DIRECTORS.
Sir AUNT° FARQIJIIAR. Bart., M.P.,
CHARLES WILLIAM CURTIS,
sq.,
DChairman.
uty Chairman.
Henry Hulse Berens, Esq.,
John Labonchere, Esq.
Henry Bonham Carter, Esq. G. Shaw Lefevre, Esq.
Charles F. Devas, Esq. John Martin, Esq.
Francis Hart Dyke, Esq. Rowland Mitchell, Esq.
Sir Walter R. Farquhar, Bart. James Morris, Esq.
James Goodson, Esq. Henry Norman, Esq.
Thomson Hankey, Henry R. Reynolds, Esq.
John G. Hubbard, Esq., M.P. Abraham J. Roberts, Esq.
Fredk. H. Janson, EN. Henry Vigne, Esq.
Lewis Loyd, E AnDrrons.sq. 1 Henrkes Thornton, Esq.
y Sy
Cornelius Paine, Jun., Esq. 1 Noel Whiting, Esq.
Thos.Tallemach, Esq., Secretary I Saml. Brown, Esq., Actuary
____
LIFE DEPA RTMENT.—U FR TAE PROVISIONS OF AN
ACT OF PARLIAMENT. this Company now offers to new In_
Furore EIGHTY PER CENT. of the Profits, at Quinquennial
Divisions, or a Low Rate of Premium without participation of
Profits.
Since the establishment of the Company in 1821, the
Amount of Profits allotted to the Assured has exceeded in
cash value £660,000, which represents equivalent Reversionary
Bonuses of £1,058,000.
After the Division of Profits at Christmas, 1859, the Life
Assurances in force, with existing Bonuses thereon,
amounted to Upwards of £4,730,000. the Income from the Lice
Branch £207,000 per annum, and the Life Assurance Fund,
independent of the capital, exceeded £1,618,000.
LOCAL MILITIA and VOLUNTEER CORPS.—No
Extra Premium is required for service therein.
LOANS granted on Life Policies to the extent of their
values, if such value be not less than £5O.
ASSIGNMENTS OF POLICIES.—Written Notices of, re-
• eived and registered.
orMEDICAL FEES paid by the Company, and no charge
Policy Stamps.
FIRE DEPARTMENT.—Insurances are effected upon
every descrip, ion of property at moderate rates.
Losses caused by Explosion of Gas are admitted by this
Company.

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, Esq., Governor.
tirEORGE PEARKES BARCLAY, Esq., Sub-Governor.
Sir JoriN HENRY PELLY, Bart., Deputy-Governor.
DIRECTORS.
Rob
nenry Bainbridge, Esq. Wilmot Holland, Esq.
Robert Barclay Esq. Earl of Leven and Melville.
John Garrett Cattle v, 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 Dnice, Esq. Samuel Leo Schuster, Esq.
Fredk. Jos. Edlmann, Esq. Eric Carrinaton Smith, Esq.
Riversdale W. Greniell, Esq. William Soltau, Esq.
Robt. Amadeus Heath, Esq. Joseph Somes, EsQ M.P.
Wm. Tetlow Hibbert, Esq.' William Wallace, Esq.
Jas. Stewart Hodgson, Esq. Chas. B
Young, Esq.
Medical Referee, SAMUEL SoLLY, Esq., F.R.S.
FIRE and LIFE ASSURANCES may be effected with this
Corporation on advantageous terms.
In the Lite Department, assurances are granted with par-
ticipation in Profits, or, at lower Premiums, without such
participation.
The Reversionary Emus on British Policies has averaged
nearly 2 per cent. per annum on the sum assured.
Equivalent reductions have been made In the Premiums
Payable by persons who preferred that form of Bonus.
The divisions of Profit take place every 14 ire years.
Any sum not exceeding £15,000 may be insured on one
Life.
This Corporation affords to the Assured—

Liberal participation in Profits—with exemption from
the liabilities of partnership.
A rate of Bonus equal to the average returns of Mutual
Societies—with the guarantee of a large invested Capital
Stock,
_,The advantages of modern practice,—with the secnrity
;,12...ti_! Office whose resources CENTURY AND
ed by the ex-
in of nearly a CENTURY AND A HALF;
in the mlitpration have always allowed the Assured to serve
United Rintir,";:reomanry, or Volunteer Corps within the
',urn, free of charge.
ROY
x.XCITANGE, LONDON.
ROBT. P. STEELE, Secretary.

CELEBRBIRATION of the TERCENTENARY of
the TH of SHAICSEA at Stratford-upon-
Avon. The Tercentenary Committee' f which Sir Robert
N. C. Hamilton, Hart K., is Ch i (oa
i are now receiv-
ing SUBSCRIPTIONs, and they ma nnyalso be paid to the
account of the Tercentenary Committae t the Stourbridgc
and Kidderminster or Warwick and eLeaamin,tton Banks,
Stratford-upon-Avon ; Alesars Greenway 'Smith, and
Greenwey, Warwick ; or their 1 •onelon a ents, 3ressrs.
Payne, and 'Jo , Messrs Hanburye and Co: or Mee ,rs•
GlynBmitha'nd Co. bankers, London.
The Tercentenary Committee, insubn-tittin he subscrip-
tion list to the nation, most earnestly appeal totthe admirers
ot SilaksPenre for their aid and assistithee The Committee
upon 413.grreo. umilidt tthhae.t
cSetnrtart,ioordt
attraction
Ie not only
r,,of°tfhe great Poet's works, and that it was his
rest their claims
theall ad birthplace
ire
home, the town he hued, and where he lived and died.
___

MONEY PROMPTLY ADVANCED b.,
Private Gentleman upon FURNITURE , a
removal'. Leasehold and Freehold Property, or RevO_vitpout
de, in sums from .£2O to 45'4.—)1r. "toward, is, Zeoennti2
street, Cheapside.

TO Persons in WANT of MONEY (in Town
j)
A, or Country).—A GENTLEMAN is willing. to mAdiE
(roANCES of CAS IL without delay, to respectable person
u-bridge,
dal or 111, ale), on their own security. The utmost secrecy
W. ehed on.—Apply (it by letter enclose four stamps) to
LOnd 1-11'• Robertson's, Accountant, 40, King William-street,
—Money advanced on Dock Warrants.

----- —_____
NIM,Rm. --
re TATS CASH ADVANCES.—Persons
th('lrti't6 ~' Capital repayable by instalments, to enable
pn , ,ose ...ere
CIAT'ON' a's-e- or ' - floc business, or for
.any other
oir,'.' , can reid~ emnn.le
.es of tiu, ‘ i yobtain Advances , ,
' ' S,ll, • ' ''' '1 ' A
' 6.1'•
CrOVCI, WVANC.6 FUND ASsO-
rrovect , Pall-ma 1, SW.
u'a "cllorgu scut tree.
E. U. OILBART, Mipagcr.