The Sun.
London, England, 1853-02-09 00:00:00

ON TIIE ORDINARY SYSTEM.

The sum the ordinary
The sum the Life Offices would give
...1:to ordinary Life him if he were unable
'u Offices would to pay, or if he omitted
At the His give him for to pay his current
end of policy the surrender annual premium of
..."° Annual thirty at that or sale 8/. Cs. 3d. after he has
N premium, years when age, of his policy, paid into their coffers
M assure the party In case after thirty 249/.7s 6d., and which
4 6001.* is fifty of years'payments they have had the use
years old, death amounting to of at compound
ewill have will be 2491. 7s. 6d. interest,t or in
paid into worth which theyhavo the event of his death
the office. had the benefit one hour after such
of at compound omission or inability
interest. to pay.
little more
20 1.66.3 d. 2491.75.64. COOL than SOI. NOTHING.
perhaps 901.
_
ON THE DEPOSIT SYSTEM.
Ifunable to pay, or not
desirous of paying or
omitting topay,thePo-
hey would still remain
of its FULL value,
522/.2u.7d.ti1l death, if
, 20 years after, no fur-
* - -,ther payment tSeittgre-
quired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all hehas
put in, viz., 2251., but
220 1/.los Od 225/. 5 2/.257d 2871. 2s. 9d. a certain bonus of 62/.
I 2s. 9d. in the bargain,
which is more
than one-fourth of the
whole °this payments,
or he could either draw
out a part, 201. or 501.,
diminishing the Policy
only by the assured
. value of the sum so
drawn out at the age
when withdrawn. See
pagess and7in detailed
• pamphlet, by
F. G. P. Nelson, Esq.

► * The rates hare 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
Equitable and the Globe, these rates would be much higher. Ia the
former of 101. 75. 6d., with 10 shillings per cent. entrance fee, would
he the rate to insure 5001. at 20 years of age. 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., Ist. For a less sum, paid annually, he can assure
4 larger sum in case of death than under the ordinary system.
2ndly. 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,
Titan 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 11 up to the
whole amount of his previous pat mints and with interest. After he
4* Withdrawn part one year he can, by a single payment, three
B 5
or any time erwards. raise his policy to a greater or even
k._te former amount ;sand by this system he can at all times regulate
r annt,a, savings by his annual expenditure, with the facility in thp
',Nair; of having a fund to fly to in case of necessity, the same as
1 a' bank, with this palpable advantage, however; that he gets Int.-
.M
fur his money, and in case of death his family receive mere than
ins • amount of his savings. In ordinary Life Offices he can do no
huch thing, but his policy at once lapses or is cancelled the moment
4 ce.es to pay his curre"t premiums, and, instead of having any
the to Xy to for aid, all his hard-earned savings become forfeited to
society, and his misfortunts serve to benefit the pockets of his
more fortunate co-assurers.
anlii_ oeb a system is too equitable and too striking to be overlooked
xt•osir assurance is the only system of assurance which can be
;Z!7" rsally recognized and adopted wen the principles are impl--
4%11y canvassed, and its palpable benefits become widely diffused.e It
ef Merest ater advantages tan►
bak bcause it alows a far ate Mt
in case of withdrahwal,a andn givese twice the amounti inr the
Mt of the Company to the representatives of the Depositor in
death. thus combining the
'Dr- NTAGES OF A BANK WITH THE BENEFITS OF
AN ASSURANCE COMPANY*.
o/nste ase of endowment assurances the advantages of the DEPOSIT
A ,211 are still more striking.
-"JvANTAGES OF THIS COMPANY UNDER THE ORDINARY
To these LIFE ASSURANCE BRANCH.
'
who prefer this branch Policies are granted from 201. to
known principle thereof.
recegea in all but the worst stages of disease, and such as have been
-..ar di
edns itY other Offices, are taken at rates equivalent to the parti-
sease
Loa
real from 501. and upwards granted on every kind of security,
2_'r Personal, on the most equitable terms to the borrower
.onnuities of every description granted on very favourable terms.
-forfbiture of a Policy —ln case of inability to pay the currant
tuuniaras, the Directors will either purchase the Policy at a fair
44taet
r yam" Ponding % or glve
in amount to the a new one in liwhole of the previoeu thereof, less 5 peu
paymentsinte-
Whic
have been made.
poalr:iled
Prospectuses with tables in further illustration of the De-
eatte„ to "L.ra. and any further information may be obtained on appLl-
the Agents In the country, or to
CHARLES W. BEVAN, Resident secretary,

14.33.—Agents wanted in all narti of the World.

CULVERWELL'S NEW WORKS.
)47, pi To be bad of Sherwood, 23, Paternoster-row, earvalho,
poet, 18 6 "'street Mann, 39, Cernhill. Price One Shilling each; by
4.

EIVOYMEICT OF LIFE.
Co " rlealth, Recreation, and Rational Use of Time."
ettrah- :•141[1: —Early Rising—Spring and Summer Mornings—Ex-
or epl: about the Environs of London—The Parks, Lanes, Hills
Trim•. Fields, nigh-roads, and other pleasant places - Country
itambles—The Se; -London at Night—Evenings at Home
/hat', he Drama—On Eating, Drinking, Eleeping, Bathing, Air,
Occupation, &c., &c.

/ItA OMENTS:FICON THE FOUNTAINS. Two Yob.

Vol. T.
'VISIT 10 THE LAKES ; SKETCH OF EDINBURGH, &c.
Vol. 11.
TIM LAKES OF KILLARNEY ; REMINISCENCES OF
DUBLIN, &c.
WHAT TOE AT, DRINK, AND AVOID,
" That three score years and ten our course may rtm."
v„-:_L•Pf:pillar review of almost every form (cause and cure) of ne
4331.3;a-debilitated health and enfeebled constitution that harasses
Littersung. besets the man of pleasure, business or study, and em-
lati.., ekl age ; With tables and ralesfor the diet and physical rev.-
'" °I every-day life.

TE PA
" What passions H
hurt the lONS.
Rea body—what imp Truths as refined as Athens ever heard."rove,
Truths :—l.ife's pilgrimage from infancy to old ago. The ad-
"ebt of the passions. Chastity 'and its infringement The casualties
of licentiousness and dissipation, with illustrations, graphic, narra-
tbre, and reinedlative. Advocacy of early marriage.%
Y.
•
THE MARRIAGE STATE.
To be or not to be. that is the question."
;001:lomte3nis:—Laws and obligations of nature, society, and ITU-
-o.,,,n„regariling marriage, to be observed by either sex. Tlme and
nr„2-e, on both sides, as to age temperament, complexion, and
„,..tire, to secure healthy offspring, 'with the art of rearing them.
,hyal I •
, a defectiveness and its removal. art
and its conversion.
Cases, &c.
. IIY It. J. CULVERWELL, M.D. (1841), M.R.C.S. (182/), L.S.A.
L 1824), Twonty•five years Medical and Forensic Referee in these
.iattef3.
.. .

Price le. each; by post, Is. 6L
To be bad of Sherwood, 23, Paternoster-row ; Carvalho, 147,
leetteet
.1
10 ann, 39, Cornhill; or of M. 11. Culverwall,
Argyll-place, liegent-etreet, who may be C
ult
daily Nal
3111-1111 Sive. sndSevektlll Niue.

On Wednesday will be published. price 2s. 6d.,
r rHE INTELLECTUAL and MORAL DEVE-
.LOPMENT of the PRESENT A(/E.

By SAMUEL WARREN, F.R S.,

One of her Majesty's Counsel, and Recorder for Hull

William Blackwood and Sons, Edinburgh and London

Price Is. Bvo.
MR. SYMONS' SYSTEM of DIRECT
TAXATION.

John W. Parker and Son, West Strand, London.

This day, 8y0.,'18. 6d.,

rIIE DANGERS and DUTIES of the PRE-
SENT& TIME ; being the substance of Two Lectures, delivered
in the lA'erary and Philosophical Institution, Chatenham, on the
1i th and 25th January, 1853. By E. R. HUMPHREYS, LL.D.,
Head Master of the Cheltenham Grammar School.
London John W. Parker and Son, West Strand.

Ori Ist of February, 2 vols., post octavo, 188.,
CAPTAI,N DIGBY GRAND
An Autobiograpby.

. -
By G. J. WHYTE MELVfLLE.
Reprinted from Fr:vices Magazine.
London : John W. Parker and Son, West Strand.

This DRY, Two Volumes, post Octavo, Eighteen Shillings.
TESTJIT EXEOUTORSIIIP ; or, Passages in
the Life of a Seceder from Romanism. An Autobiography.
London : John W. Parker and Son, West Strand.

TO ALL WHO DRINK PALE ALE.--A
Word with you next week.
HARRINGTON PARKER,
51,4 Pall Mall.

GUARDIAN FIRE AND LIFE
ASSURANCE CaMPANY.
No. 11, Lombard-street, London.

DIRECTORS.
THOMSON HANKEY, Jim., Esq., Chairman.
Sir WALTER R. FARQUMAR, Bart., Deputy-Chairman.
Henry Hulse Berens, Esq. Stewart Marjoribanks, Esq.
John Dixon, Esq. John Martin, Esq., M.P.
Francis Hart Dyke, Esq. Rowland Mitchell, Esq.
John Harvey, Isq. James Morris, Esq.
John G. Hubbard, Esq. Henry Norman, Esq.
George Johnstone, Esq.; Henry R. Reynolds, jun., Esq.
John Labouchf re, Esq. John Thornton, Esq.
John Loch, Esq. James Tulloch, Esq.
George Lyall, Esq. Henry Vigne, Esq.
AUDITORS.
A. W. Robarts, Esq. I Henry Sykes Thornton, Esq.
Lewis Lloyd, jun., Esq. John Henry Smith, Esq.
Sxcarreav—George Keys, Esq.
ACTUARY—Orlifith Davies, Esq., F.R.S.
LIFE DEPARTMENT.—Under the provisions of an Act of Par-
liament, this Company now offers to futMre instirers Four-fifths of
the Profits, with Quinquennial Division, or a Low Rate of Premium
without participation of Profits.
The next division of Profits will be declared in June, 1855, when
all participating Policies which shall have subsisted at least one year
at Christmas 1854, will be allowed to share in the Profits.
At the several past divisions of Fronts made by this Company, the
Reversionary Bonuses added to the Policies from One-half the
Profits amounted, on an average of the different ages, to about One
per Cent. per Annum on the sums insured, and the total Bonuses
added at the Four Septennial Divisions exceeded 770,0001.
FOREIGN RISKS.—The Extra Premiums required for the East
and West Indies, the British Colonies, and the northern parts of the
United ,tates of America, have been materially reduced.
INVALID Li VES.----Persons who are not in such sound health as
would enable them to insure their Lives at the Tabular Premiums,
may have their Lives insured at Extra Premiums.
LOANS granted on Life Policies to the extent of their values, pro-
vided such Policies shall have been effected a sufficient time to have
attained in each case a value not under 501.
ASSIGNMENTS OF POLICIES.—Written 'Notices of, received
and registered.

"Familiar to their mouths as household words."

This sentiment Shakespere might have applied
in various ways. When we think of Law-making, Stock-
transferring, or merry-changing. Parliament, Exchange, or Sank,
becomes "familiar to our mouths as household words." On the
same principle, when attire of any description is wanted, the name
of E. MOSES and h 0 g, drops from our lips "familiar as household
words ; " and to every one their establishments are well known for
the Manufacture of Clothing in the most accomplished styles com-
bined with Taste and Art, or Ready-made Goods the best, the most
fashionable, and the cheaper.. Millions are now " familiar " with
the fact that E. MOSES and SON occcupy the first and fo emost po-
sition in the city and provinces—as Merchant-tailors, Hosiers,
Hattere, Furriers, titiot and Shoe-makers, and Outfitters for Ladies
and Gentlemen to all parts of the world, and it is now necessary for
all classes to become " familiar" with the variety and seasonableness
of their present stock,'in which warmth, comfort, novelty, style, and
economy is d:splsyed in thousands of new designs in Dress for Ladies,C
centlemen, or Children. To specify the number of improvements
introduced by E. MOSES and SON, is beyond the range of possibility,
but ins;,ection of their n,velties in Overcoats, Paletots, &c , &c., and
dress for all classes and professions, will afford the greatest pleasure.
E. MO ;Ed and SON'S Juvenile Clothing, Sporting Dress, Clothing
for Artizans and Mechanics, is charged as. previously —the lowest
prices. The Bat and Cap, Hosiery, rttratol Shawl departmentsclln-
tintie attractive by matchless exhibitions of taste, splendour, and
cheapness.