The Sun.
London, England, 1853-01-29 00:00:00

ON TIIE ORDINARY SYSTEM.

,The sum the ordinary
The sum the Life (Mica would give
ordinary L Et. him if he were unable
Offices would to pay, or if he omits ed
f.. At the Ills give him for to pay his current
end of policy the surrender annual premium of
78 Annual thirty at that' or vie Si. 6s. 3d. after he has
$ premium yearsrr hen, age, of his policy, 'paid into their coffers
ato assure the party (in case, after thirty 2401.7 s 6d., and which
oto boof.. is fifty of years'pay melds they have had the use
years old, death amounting to I of at compouni
hewill have will be, 2491.75. Gd. l in:erest,t or in
paid into worth which theyhave the event of his death
the office. had the benefit one hour after such
of at compotrid omission or inability
interest. I to pay.
little more
20' •8/ 65 34:1 12491• 75• 6d' 5001. than 801.
• ssoznhtco.
perhaps 90/.
ON THE DEPOSIT SYSTEM.
Hun able to pay, or not
desirous of paying or
omitting topay,thePo-
, licy would still remain
of its FULL value,
522/.25.7d.ti1l death, if
20 years after, no fttr-
titer pay ment beingre-
quired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all hehes
put In, viz., 2251., but
29 7/.105 Od 225/. 5221.257 d 287/. 2s. 9d. a certain bonus of 621.
2s. M. 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 501.,
diminishing the Policy
only by the rssured
value of the sum se
drawn out at the age
when withdrawn. See
pagess and7indetailed
pamphlet, by
F. G. P. Nelson, Esq.
* The rates bore selected are those adopted by the English and
Cambrian rump, and advertised in its distinctive features as low

~. The rates here 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 midd:ing classes.
In most offices, particularly the older ones, such as the Scottish
w
Equitable and the Globe, theseirates wo ue
Idb
cent. entrance h
higher.
fee, In r e theeld
former of 101, 7s. 6d., with -n - shillings
per
IA the rate to insure 5001. at 20 years of age. In the latter Si. 13s 4d.,.,
to insure the same sum- The higher the rate the more in favour of
the neposrr-system
t Money laid out at .
compound interest DOUBLES ITSELF every four-
teen years.
On comparison 0' these two tables it will be seen that a person
Under the novel system of neecostr assurance can secure the follow-
ing
advantages, viz., Ist. For a less sum, Paid annually, he can assure
a larger sum in case of death than under the ordinary system.
in this Company, by the above example,
Trani times as much as on the ordinarya
a
remains still his property,. 3rdly. In the event
of inability or omission to pay, his policy his current payments
of the same value as it was, though be cease
for any number of years ; whereas on the
.system, he gets
nothing, 4thly. Should he require to ordinaryeeee
or decrease the
amount of his policy he can do so at plersure. He can, at any time,
by giving a fortnight's notice, withdraw any Part from 11 up to the
t
whole amount of his previous payments and with interest. After he
has withdrawn part one year he can, by a single payment,
evhree
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 bank, with this palpable advantage, however, that
rest fur his meney, and in case of death his family receive more than
the amount of his savings. In ordinary Life Offices be
be can do no
he gets inte-
rest
thing, but his policy at *nee lapses or is cancelled the moment
he ceases to pay his current premiums, and, instead of having any
to
fund to Sly to for aid, all his hard-earned savings
become
forfeited
the society, and his misfortunts servo to benefit the pockets of his
more fortunate co-assurers.
Such a system is too equitable and too striking to be overlooked
1114 DEPOSIT assurance is the only system of assurance which can be
universally recognized and adopted when the principles are impar-
tially canvassed, and its palpable benefits become widely diffused. It
confers greater advantages than a bulk because it allows a fair rate
of interest in case of withdrawal, and gives twice the amount in the
hands of the Company to the representatives of the Depositor in
case of death, thus combining the
ADVANTAGES OF A BANK WITH THE BENEFITS OF
AN ASSURANCE COMPANY. In case of endowment assurances the advantages of the DEPOSIT
system are still more striking.
ADVANTAGES OF THIS cOMPANT UNDER 'ME ORDINARY
LIFE ASSURANCE BRACH.
To those who prefer.this branch Policies airs
5,000/. on every known principle thereof.granted from 201. to
Lives in all but the worst stages of disease, and such as have been
rejected by other Offices, are taken at rates equivalent to the parti-
cular disease.
real
Loans
person Sot,
on the and upwamostrds granted on every kind of security,
, euitable terms to the borrower
Annuities of every description granted on very favourable terms.
Non-forfeiture of a Policy —ln ease 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 corresponding in amount to the whole of the previous payments
Which have been made.
Detailed prospectuses with tables in further illustration of the De-
posit system, and any further information may be obtained on applb
gallon to the Agents in the country, or to
CHARLES W. BEVAN, Resident Secretary.
N.B.,AgintS wauttd 1410 parts ot tki World

DR. CIILVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row, Caryalho,
147, Fleet-street ; Mann, 39, Cornhill. Price One Shilling each ; by
post, Is 6d.

ENJOYMENT OF LIFE.
" Health, Recreation, and Rational Use of Time."
CONTENTS : —Early Rising—Sprinv, and Summer Mornings—Ex-
cursions about the Envlrors of London—The Parks, Lanes, Hills,
Forests, Fields, High-roads, rnd other plea'ant places - Country
Trips and Rambles—The Sea —London at Night—Evenings at Home
Music—The Drama—On Eating, Drinking, Sleeping, Bathing, Air,
Rest, Ease, Occupation, &c., &c.

TT
FRAGMENTS FROM THE. FOUNTAINS. Two Vol s.
Vol. I.
VISIT TO THE LAKES ; SKETCH OF EDINBURGH, &c.
Vol. 11.
THE LAKES OF KILLARNEY ; REMINIScENCES OF
DUBLIN, &c.
111.
WHAT TO EAT, DRINK, AND AVOID,

" That three score years and ten our course may run."
I popular review of almost every form (cause and cure) of ner-
vously-debilitated health and enfeebled constitution that harasses
the young. besets the man of pleasure, business or study, and em-
bitters old age ; with tables and rules for Um diet and physical rega-
lation of every-day life.

IT.
THE PASSIONS.

" What passions hurt the body—what improve,
Truths as refined as Athens ever heard."
SußJEcr :-1 ife's pilgrimairc, from infancy to old age. The ad_
vent of the passions. Chastity and its infringement. The casualties
oflicentiousness and dissipation, with illustrations, graphic, narra.
tive, and remediative. Advocacy
Vof early marriages.

THE MARRIAGE STATE.
To be or not to be, that is the question."
PROGRAMME :—Laws and obligations of nature, society, and rot_
gion regarding marriage, to be observed
mbeither sex.
lexiTime
anda
d
choice, on both sides, as to age temp, compon,
figure, to secure healthy offspring, with the art of rearing them.
Physical defectiveness and its removal. Sterility and its conversion.
Cases, &c.
By ff. J. COLVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
(1824), Twenty-flve years Medical and Forensic Referee in these
matters.

Price is. each; by post, Is. 6d.
To be had of Sherwood, 23, Paternoster-row ; Carva olh,M. 147,
Fleet-street; Mann, 39, Cornhill; or of M. K. Culverwell, D..
10, •irliyll-place, Resent-street, who may be conaulWd daily from
Ten till river and Seven till Nine.