The Sun.
London, England, 1853-04-19 00:00:00

ON THE ORDINARY SYSTEM.

The sum the ordinary
The sum the Life Offices would give
ordinary Life him if he were unable
Of flies would to pay, or if he omitted
At the His give him for to pay his current
Annual
end of policy the surrender annual premium of
.7; Tr,in. thirty at that or sale 81. 6s. 3d. after he has
lura Yearswhen age, of his policy, psid into their coffers
▪ "
assure the party in case after thirty 12491.7 s 6d., and which
:75 5001. is fifty I of years'payments they have had the use
1:1 years old, death amounting to of at compoun
hewill have will be 2491. 7s. 6d. interest, or in
paid into worth which theyhave the event of his death
the office. had the benefit one hour after such
of at compound omission or inability
interest. to pay.
2q •
'I little more
*63.3d 2491.78.6 d 5001. than 801. I NOTHING.
perhaps 901.
ON THE DEPOSIT SYSTEM.
If unable to pay, or not
desirous of paying or
omitting topay,thePo-
Hey would still remain
of its FULL 'value,
5221.25.7d.ti1l death, if
20 years after, no Ra-
ther payment beingre-
quired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all hehas
0;111 put in, viz., 2251., but
• -Os Od 225/. 5221.257 d 2871.25. ed. a certain bonus of 621.
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 501..
diminishing the Policy
only by the assured
value of the sum se
drawn out at the age
• when withdrawn. Sec
pagess and 7 i n detailed
pamphlet, by
F. G. P. Nelson, Esq.

On comparison of these two tables it will be seen that a person
tinder the novel system of DEPOSIT 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.
2dly. In the event of a desire to surrender his Policy he can receive
in this Company', by the above example, which applies to all ages,
Razz times as much as on the ordinary system. 3rdly. In the event
sf inability or omission to pay, his policy
remains still his property,
e same value as it was, though he cease his current paments
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 pleasnre He can at any time,
giving a fortnight's notice, withdraw any part from 11. up to the
hole
amount of his previous payments and with interest. After he
`",s withdrawn part one year he can,
Yea a greater or even
by a single payment, three
'own. or any time afterwards. raise his policy to t
former amount ; and by this system he can at all times regula e
ra,i'llunual savings by his annual expenditure, with the facility in the
again of having a fund to fly to in case of necessity, the same as
i-he bulk, with this palpable advantage, however, that he gets lnte-
reft t tfur his money, and in case of death his family receive more than
Ins amount of his savings. In ordinary Life Offices he can do no
h thing, but his policy at once lapses or is cancelled the morpent
fthe,ceesA es to pay his current premiums, and, instead of having any
D7l t° fly to for ai
his
all his hat i-earned savings become forfeited
-e society, and his misfortunes servo tube nefit the pockets of
orefortunate co-assurers.
auch
a systemequitable and too striking to be overlooked
DEPOSIT assurancoeo is the only system of assurance which can be
ba' 3, caerYsallY recognised and adopted when the principles are impar-
t, -Jnvassed, and its palpable benefits become widely diffused. It
Of fers greater advantages than a bank because it allows a fair rate
band imst in case of withdrawal, and gives twice the amonnttiton tho
.._eof the Company to the representatives of the Depositor ix
Sr 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
,teni are still more striking.
Atm
ANTAGES OF. THIS COMPANY UNDER THE ORDINARY
To !hose who
LIFE ASSURANCE BRANCH.
8.000 prefer this branch Policies are granted from 201. to
Liv
°u every known principle thereof.
es in all but the worst stages of disease, and such as have been
NenlecartetidiatuY neth. ov Offices, are taken at rates equivalent to the peril-
re,,,au_ from 501. and upwards granted on every kind of security,
Tyr personal, on the most equitable terms to the borrower
tti_unntlea of every description granted on very favourable terms.
tir;aitilio ;forfeiture of a Policy.—ln case of inability to pay the currant
tnarketmvs' the Directors will eitaer purchase the Policy at a fair
es, _ sue,
or give a new one in lieu thereof, less 5 per cent., inte-
' "rr'sPonding in amount to the whole of the previous payments
WiLich have been made. Detailed
cat prospectuses with bles in further illustrtion of the De-
Post ste_.
ion tys and any farthert ianformation may be obtained on appli-
e Agents to the country, or to
CHARLES W. BRYAN, Resident Secretary.
ilkeNloate Weakd in ell pato et the Weil&
•

- • ,

R. CIILVERWELL'S NEW WORKS.
K 9 To be had of Sherwood, 23, Paternoster-row, Carvalho,
47, Flect-street , Mann, 39, Cornhill. Price One Shilling each; by
Is 6d.

ENJOYMENT OF LIFE.
"Health, Recreation, and Rational Use of Time."

CONTENTS : Early Rising—Spring and Summer Mornings—Mx-
cursims about the Environs of London—The Parks, Lanes, Hills
Forests, Fields, High-roads, and other plea.•ant places—Country
Trips and Rambles—The Sea —London at Night—Evenings at Home
Siusic—The Drama—On Eating, Drinking, Sleeping, Bathing, Air,
Rest, Ease, Occupation, &c., &c.

FRAGMENTS FROM THE FOUNTAINS. Two Vols.

Vol. I.

VISIT 10 THE LAKES ; SKETCH:OPIEDINBURGH, &c.

Vol. IT.
THE LAKES OF KILLARNEY ; REMINISCENCES OF

DUBLIN, &c.

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 ner-
vously-debilitated health and enfeebled constitution that harasses
the young, besets the man of pleasure, business or study, and em-
hitters old age ; with tables and rulesfor the diet and physical regu-
lation ta every-day life.

IV.
THE PASSIONS.
" What passions hurt the body—what improve,
Truths as refined as Athens ever heard."

SUBJECT :—Life's pilgrimage, from infancy to old age. The ad-
vent of the passions. Chastity and its infringement. The casualties
of licentiousness and dissipation, with illustrations, graphic, narra-
tive, and remediative. Advocacy of early marriages.

THE MARRIAGE STATE.

To be or not to be, that is the question."

FEOGILAMME:—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 temperament, complexion, and
figure, to secure healthy offspring, with the art of rearing 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.R.A.
(1884), Twenty-five years Medical and Forensic Referee in there
matters.

Price Is. each; by post, Is. 6d.
To be had of Sherwood, 23, Paternoster-row; Carvalho, 147,
cet-street ; Mann, 39, Cornhill; or of M. It. Culverwell, M.D.,
Argyll-pl ace, Recent-street, who may be consulted daily from
till r,ve. and Seven till Nina.

MEDICAL ADVICE ON THE SECRET INFIRMITIES OF
YOUTH AND MATURITY.

DR. SAMUEL LA'MERT, 37, BEDFORD-SQUARE, LONDON,
Doctor of Medicine, and Matriculated Member of the University of
Edinburgh, Honorary Member of the London Hospital Medic
Society, Licentiate of Apothecaries' Hall, London, &c., &c.

AY be consulted, personally, or by letter, on
v 1. the various disorders of the nervous and generative system,
resulting from juvenile irregularities and excesses, which have pro-
duced more misery in youth, degradation in manhood, and prema-
ture decay at all stages of life, than perhaps any other class of dis-
eases known to modern pathologists. Long and practical experience
in the treatment of these diseases has proved that there are in exist-
ence secret causes of self-acquired miseries and disappointed hopes in
existence, traceable to certain pernicious habits, to which Nervous
Debility, various forms of Insanity, Unhappy and Unfruitilil Marri-
ages, Impotency, Local and Constitutional Weakness, and their
endless modifications owe their almost entire origin.
It is absolutely necessary that all men should know that there are
principles of personal management which cannot be violated without
incurring grievous penalties, and when wisdom and regret succeed
the heyday of inconsiderate self-indulgence, how these penalties
may be mitigated, how the sting of their bitterness may be removed,
and how the evil and its consequences may be avoided, and above all,
that there is scarcely any degree of physical infirmity or functional
derangement to which the timely aid of science cannot apply a cure.
DOCTOR LA'MERT has for a long series of years been engaged
in an extensive practice in the treatment of these delicate com-
plaints, and s the only legally qualified Physician who, regardless
of the taunts and envy of the hypocritical and mock-modest, has had
the confidence, through the medium of the public press, to direct
attention to these enormous evils, from which no grade of society is
tree. In selecting this department of practice, he has been amply
rem arded by the great success that has attended his efforts in the
treatment of these cases, which are too generally confided to the
care of unqualified and ignorant empirics, who, with their pirated
publications, assumed foreign names and titles, and pretended virtues
of their patent nostrums, have inflicted serious injury on those who
have been induced to place faith in their pretensions.
At home for consultation daily from Eleven till Two, and from
Six till Eight. All letters must contain the fee of 11., and advice and
medicines can be forwarded to any initials or address.
It 13 desirable that patients wishing to consult Dr. LA'MERT
should first obtain a copy of his work on