The Sun.
London, England, 1863-08-31 00:00:00

NORWICH UNION FIRE INSURANCE
SOCIETY.
The business of the Company exceeds £70,000,000.
„Tie duty paid to Government for the year 1862 was
',0,062, and the amount insured on farming stock,
10,056,332.
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 £450,000 ; and the Society
now holds a large Reserve applimble to a future Bonus.
The rates of premium are in no case higher than those
charged by the other principal offices making no returns to
their insurers.
For pro-pectuses apply at the Society's Offices,
Surrey
street, Norwich ; and 6, Crescent, New Bridge-street, Black:
friars, E.C.

pROVIDENT CLERKS' MUTUAL LIFE
ASOCIATION.

Established 1840.
TRUSTEES.
Thomas Baring, It'sq , /11". P. Wm. Geo. Prescott, Esq.
Thomson Hankey, isq., M.P. I Baron L. de Rothschild, M.P.
Mutual LH,. Assurance for all classes.
This Association has now in existence 6,000 policies, for a
total sum of £1,500,000.61,000
The Annual Income is £2501:p0000
The Accumulated Fund exceeds • •
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 .. • • .• V,400
3852 .. • - • • .• .. 11,500
~ 1857 .• • • 23 200
„ 1862 .. • • • . .. 56,500
making the total bonus additions, £98,600.
Bonuses may be received in ctsh or applied to the reduc-
tion of premiums at the option of the assured, in lieu of an
addition to the poFcy.
Attention is especially invited to the system of free or paid-
up 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. THOS. LINFORD, Secretary.
Chief Office, 15, Moorgate-street, E.C., Aug 1, 1863.

ULAD OgFiq*A,
29, Lombard-street, London, and Royal Insurance-
• . buildings. tiverpoel:
Total Attnual ltevelius exceeds £500,010.
Accumlllated Fulitdsitt Amyl over 1 030,000.

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

Chairman in London :

WILLIAM WAINWRIGHT, Esq.

EXTRACTS FROM TIIE 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.
FIRE BRANCH.

The Directors have, as pleasingly as unexpectedly, at the
close 01 the year, to announce, for the first time, that the Fire
Premiums have not only reached, but exceed £300,000.
The high comparative position held by the Royal in the
Government 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 thi4 Office, the balance to the credit on
account of British and Foreign Insurances being £45,101 10s.
5d., and of the North American business, which is kept sepa.
rately, £11,097 les. 10d.
LIFE BRANCH'.

The very gratifying duty now falls upon the Directors to
state the sum assured on new policies for fhe year 1R62
exceeds even that of the year 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 years it is believed that such a sum assured as that which
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 give much satisfaction to the
shareholder, as well as no small encouragement fbr the
future to the participating life assurer.
Evidence of continued care in the selection of lives is amply
7 .afforded by a statement of the number rejected. These have
• amounted to 311 for the year, on which the aggregate sum
proposed for assuran.e amounts to £143,281. Various degrees
otaneligibility 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-
sthle 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
LontiDn 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
Insuranca 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 maeni-
• tude, combining distinguished commercial success to the
r Office with a lengthened career of usefulness and protection
to the public.
PERCY M. DOVE, Manager and Actuary.
JOHN B. JOHNSTON, Secretary in London.

A.D. 1720.
OYAL EXCHANGE ASSURANCE
_RAJ CORPORATION
--(Eatablished 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.
GEORGE PEARRES BARCLAY, Esq., Sub-Governor,
Sir JOHN lIENRY PELLY, Batt, Deputy-Governor.
DIRECTORS.

Henry 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.
Riversdale W. Grenfell, Esq. William Soltau, Esq.
Robt. Amadeus Heath, Esq. Joseph Somes, Esq., M.P.
Wm. Tetlow Hibbert, Esq.: Wilam Wallace Rq.
Jas. Stewart Hodgson, Esq. ° Chas.li Baring Young, Esq.
Medical Referee, SAmrrxr. SOLLY, Esq., F.R.S.
FIRE and LIFE ASSURANCES may be effected with this
Corporation on advantageous terms.
In the Life Department, assurances are granted with par-
ticipation in Profits, or, at lower Premiums, without such
participation.
The Reversionary Bsnus on British Policies has averaged
nearly 2 per nt. er annum on the sum assured.
Equivalent ce
redupctions have been made in the Premiums
payable by persons who preferred that form of Bonus.
The divisions of Profit take plaza 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.
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 security
of an Office whose resources have been tested by the ex-
perience of nearly a CENTURY AND A HALF.
The Corporation have always allowed the Assured to serve
in the Militia, Yeomanry, or Volunteer Corps within the
United Kingdom, free of charge.
ROYAL EXCHANGE, LONDON.
ROBT. P. STEELE, Secretary.