The Sun.
London, England, 1853-01-12 00:00:00

Dr. Lewis, Finsbury-place.
Dr. Scanlan, 21, Upper Seymour-street West, Connaught-square.

SURGEONS.
R. T. Chapman, Esq., 16, Lower Seymonr•street, Portman-square.
Michael Teevan, Esq., 44, Gloucester-place, Hyde-park-gardens.

CONSULTING ACTUARY.
Francis G. P. Nelson, Esq., F.L.S.
INSPECTOR OF AGENCIES.
F. P. F. Stronsberg, Esq.

STANDING COT/NSEL.
William Wellington Cooper, Esq., New-square, Lincoln's-inn.

SOLICITORS.
Messrs. 11111 and Mathews St. Mary-axe.

RESIDENT SECRETARY.
Charles W. Bevan, Esq.
The public Is respectfully invited to examine the p'inciples of the
Deposit System of Assurance. which is based upon tables calculated
bY, and Is under the immediate supervision of, Francis G. I'. Nelson,
F.L S., the Consulting Actuary to the Company.
Comparative Tables to ast,ure 5001. on death, by a person aged
twenty next birthday, on the ORDINARY and on the DEPOSIT system
OfAssurances.

ON THE ORDINARY SYSTEM.

The sum the
ordinary Life
()dices would
give him for
. the surrender
or sale
of his policy,
after thirty
lyears'paymettts
amounting to
2491. 7s. tki.
which theyhave
'had the benefit
of at compound
inttrest.

The sum the ordinary
Life Offices would give
shim if be were unable
to pay, or if he omitted
to pay his current
annual premium of
Si. 6s. 3d. after he has
paid into their coffers
2491.75.6 d., and which
they have had the use
of at compoun I
interest,t or in
'the
event of his death
one hour after such
omission or inability
to pay.

At the
end of
thirty
years r% hen
the party
is fifty
years old.
hewn] have
paid into
the office.

Ms
policy
at that

Annual
premium
to :teisurel
5001..

age, 1
In case
of
death
will be
worth,

'B/.6E. 3d.

'2491.75.6d

little wore

than 4°l.
rerhaps 901.

ON THE DEPOSLT SYSTEM.:

NOTE; Nu.

'tunable to pay, or not
desirous of paying or
omitting topay,thel'o-
lley womd still remain
of its FULL value.
522/.25.7.1.ti1l death, if
20 years after, no fur-
ther payment being re-
.l aired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlyd raw out all hch as
put in, viz., 2251., but
a certain bonus of 62/.
2u U. lOs Od 2251. 5221.257 d 2871. 2s. 9d. 2s. 9d. in the bargain,
which is more
than one-fourth of the
whole of his payments,
or he could either draw
out a part, 201. or 30/.,
diminishing the Policy
only by the assured
value of the sum se
drawn out at the age
when withdrawn. Sec
pagess and7ln detailed
pamphlet, by
F. G. P. Nelson, Esq.
* The rAtea hare *elected are those adopted by the English and

The rates bore selected are those adopted by the English and
Cambrian Office, and advertised in its distinctive features as low
rates of premium, and professedly for the lower and tnidding classes.
In Most offices, particularly the older ones, such as the Scottish
Equitable and the Globe, these rates would be much higher. Is the
Termer of 101. 7s. 6d., with 10 shillings per cent. entrance fee, would
be the rate to insure 5001. at 20 years ofage. In the latter 81. 13s 4d.,
to insure the same sum. The higher the rate the more in favour of
the DEPOSIT system.
t Money laid out at compound interest DOUBLES ITSELF every four-
teen years.
On comparison of these two tables it will be seen that a person
under the novel system of DEPOSIT assurance can secure the follow-
ing advantages, viz., lst. For a less sum, paid annually, he can assure
a larger sum in case of death than under the ordinary system.
2ndly. In the event of a desire to surrender his Polley he can receive
in this Company, by the above example, which applies to all ages,
Tuxes times as much as on the ordinary system. 3rdly. In the event
of inability or omission to pay, his policy remains still his property,
of the same value as it was, though he cease his current payments
for any number of years ; whereas on the ordinary system, he gets
nothing. 4thly. Should he require to increase or decrease the
amount of his policy he can do so at pleasure. He can, at any time,
by giving a fortnight's notice, withdraw any part from 1/ up to the
whole amount of his previous payments and with interest. After he
has withdrawn part one year he can, by a single payment, three
Years, or any time afterwards, raise his policy to a greater or even
is former amount ; and by this system he can at all times regulate
his annual savings by his annual expenditure, with the facility in the
bargain of having a fund to fly to in case of necessity, the same as
in a hank, with this palpable advantage, however, that he gets inte-
rest fur his money, and in case of death his family receive mere than
the amqunt of his savings. In ordinary Life Offices be can do no
such thing, but his policy at once lapses or is cancelled the moment
he ceases to pay his current premiums, and, instead of having any
fund to fly to for aid. all his hard-earned savings become forfeited to
the society, and his misfortunes serve to benefit the pockets of his
more fortunate co-assurers.
Such a system is too equitable and too striking tobewheivcehrlcoaonkebde
and DEPOSIT assurance is the only system of
assurance
universally- recognized and adopted when the principles are impar-
tially canvassed, and IN palpable benefits become widely diffused. It
confers greater advantages than a bank because it allows a fair rate
of interest in case of withdrawal, and gives twice the amount in the
hands
of death, thus fof the Compaomny
bin toing the the representatives of the Depositor n
case

_, ___AN_
ADVANTAGES OF A ttK wiTH
THE BENEFITS OF
AN ASSURANCE
In ease of endowment assurances the COMPANY.advantages
system are stilt more striking. vantages of the DEPOSIT
ADVANTAGES OF THIS COMPANY TIND,
LIFE ASSITRANcE BrtANATIIE ORDINARY
To those who prefer this branch Policies are .
g
5,000/. on every known principle therpof. granted from 20/. to
Lives in all but the worst stages of disease, and such
rejected by other Offices, are taken at rates equivalent to have
been
cular diseve.
of security,
to the pant-
Loans from 50/. and upwards granted on every hind
real or personal, on the most equitable terms to the borrower
Annuities of every description granted on very favourable terms
Non-forfeiture of a Policy —ln case of inability to pay the currant
Premiums, the Directors will either purchase the Policy at a fair
market value, or give a new one in lieu thereof, less 5 per cent.. inte-
rest cerr.sponding in amount to the whole of the previous payment,
Which have been made.
Detailed prospectuses with tables in further illustration of the De.
P ()sit system, and any further information may be obtained on appu.
cation to the Agents in the country, or to
CHARLES W. BEVAN, Resident Secretary.

N.B.—Agents wanted In All parts of the World,

,CaEASONABLE FESTIVITIES.—At the social
kJ reunions of this festive season, the fair and youthful are more
than usually desirous of shilling In personal attraction under the
gaze of many friends, and the followitrr unrivalled requisites for the
toilet are called into increased row+ itlon—namely ROWLAND'S
I‘IAEASSAR OIL, for creating and sustaining a luxuriant bead •f
hair; Rowland's Kalydor, for rendering the skin toft. fair, and
bh,oming; Rowland's Odonto or Pearl Dentifrice, for imparting a
Pearl-like whiteness to the teeth ; and Rowland's Aqua d'Oro, a frog-
rbaunt„and spirituous perfume, an essential accompaniment to places of
1",.:1_ n amusement and crowded assemblies. The patronage of
—saltY throughout Europe and the high appreciation by rank and
ra
der iton, with the well-known infallible efficacy of these articles,
ren-
he, a peculiarly elegant and seasonable present. Beware of
__,
imitations. The only genuine of each bears the name of
_lt9Nvlands'" preceding that of the article on the wrapper or li
sd
°I I by A. Rowland and Sons, 20, Hatton-garden, and by chemists
and Perfumers.

THE BEST COUGH MEDICINE FOR
CHILDREN is " SPENCER'S I'ULMONIC ELIXER."
For the nursery it is invaluable, as it is as agreeable to the palate
as it is useful in all cases of hoopmg-cough, chin-cough, or common
coughs, arising from colds, teething, &c.
To invalids, whose ailments are increased by frosty and f•ggy
Weather, it is a never failing source of comfort and MEC from suffer-
ing; enabling them to breathe with freedom during the keenest
frtst and thickest fog. In fine, it possesses ever' property which
can be beneficial in cases of Coughs, Colds,. Asthma, and all
,com-
plaints of the Chet and Lungs.
Prepared only by T. Roberts rind Co , Crane-court, Fleet-street,
London ; and Bede! by E. Edward. (;7, St, Pants Churchyard ; Bar-
clay and S‘ms, Parrinedon-street ; Limon and Co., Bow Churchyard;
Sanger and Co., and Hannay and Co., Oxford-street, London; ot-
tershead and Roberts, Manchester; Relines and Co., Edinbnrgh and
Liverpool ; Remhardt, Leeds ; and by an respectable Medicine
Venders in the Bingdoni. In Bottles, at Is. ILid. and 2i, 9d, each,

DR. CIILVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Psternoster-row, , Carvalho,
147. Fleet-street; Mann, 39, Cornhill. Price One Shilling each; by
Post, is Gd.

ENJOYMENT OF LIFE.
" Health, Recreation, and Rational Use of Time."
CONTENTS :—Early Rising—Spring and Summer Mornings—E. x-
cursions about the Environs of London—The Parks, Lanes, Hills,
Forests, Fields, High-roads, and other pleasant places - Country
Trip! and Rambles—,:he Sea -London at Night—Evenings at Home
Music—lhe Drama—en Eating, Drinking, Sleeping, Bathing, Air,
Rest Ease, Occupation, &c., &c.

FRAGMENTS FROM THE FOUNTAINS. Two Vols.
Vol. I.
VISIT TO THE LAKES; SKETCH OF EDINBURGH, &C.
Vol. IL
THE LAKES OF KILLARNEY ; REMINISCENCES OF
DUBLIN, &e.
WHAT TO EAT, DRINK. AND AVOID,
That three score years and ten our course may run."
A popular review of almost every form (cause and cure) of ncr-
voUsly-debilitat(d health and enfeebled constituVon that harasses
the Young, besets the man of pleasure, latilness or study, and em•
bitters old age ; with tables and rules for the diet and physical regu-
lation of every day life.

THE PAs.sioNs.
holy—what improve,
.. What passions hurt the hod
pflgrimage, bout infancy to old age. TIIA ad-
vent as refined us Athens ever heard."
'figment. The casualties
d(l''sl'saiissatitiren7NlViit!shiliflllStrall' ns, graphic, narra-
e. Advocacy of early marriages.
V.
t°viferS-nlei utc,
el'oaln lEdli ci:rielesP:mn—aecssidsli:fneltisvd.

TITE 11fARETAGE STATE,
"To be or not to be, thatis the que,tion."
FaociaAmms:—Laws and obligations of nature, society, and reli-
gion regarding marriage, to be observed by either sex. Time and
choice, on both sides, as to age, tem ahe pament
art , cofomreUr pinlexion, and
figure, t'4 secure healthy offspring, with tg them.
Physical defectiveness and its removal. Sterility and its conversion.
Cases, &C.
By It. J. CULVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
(1824), Twenty•five years Medico! and Forensic Referee in these
matters

Price Is. each; by post, Is. Gd.
To be had of Sherwood, 23, Paternostcr•row ; Carvalho, 147,
Fleet.street ; Mann, 39, Cornhal ; or of Mr. R. Culverwell, M.D..
10, Argyli•piace, Regent •street, who may be consulted daily from
Ten till Five, and Seven till Nine.