The Sun.
London, England, 1853-03-08 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
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
Is Annual thirty at that or sale 81. 6s. 3d. after he has
vi 3 premium yearswhen age, of his policy, paid into their coffers
'to assure the party in case after thirty 249/.75.6d., and which
500/. is fifty of years'payments they have had the use
years old, death amounting to of at compound
hewillhave will be 2491.75. 6d. interest, or in
paid into worth which theyhave the event of his death
re I the office. had the benefit one hoar after such
of at compound omission
payability
interest. to
little more
20r1.65. 3d. 249 L 75.6 d. 5001.
than 801. NOTHING.
perhaps 90/.
• ON THE DEPOSIT SYSTEM.
------_
Ifun able to pay, or not
desirous of paying or
omitting topay,thePo-
licy'would still remain
of its mu, value
5221.25.7d.ti1l death, if
20 years after, no fur-
ther payment beingre-
quired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all hehas
put in, viz., 2251., but
20 Tl.los Od 2251. 5221.287 d 2871. 2s. 9d. a certain bonus of 621.
25. 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 so
drawn out at the age
when withdrawn. See
pagess and7in detailed
pamphlet, by
F. G. P. Nelson, Esq.
On comparison of these two tables it will be seen that a person
Fluter the novel system of DEPOSIT assurance can secure the follow-
Ing advantages. viz., Ist. For a less sum, paid annually, he can assure

. comparison of these two tables it will be seen that a person
Under the novel system of DEPOSIT assurance can securethe
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,
Tultxx times as much as on the ordinary sYstem • 3rdly. In the event
of inability or omission to pay, his policy remains still his property,
or 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
!Mount of his policy, he can do so at pleasure. Ile can at any time,
"3:_atving a fortnight's notice, withdraw any part from N. up to the
~..
zuele amount of his previous payments and with interest. After he
"as withdrawn part one year he can, by
s. a single payment, three
i eta—rs, or any time afterwards. raise his policy tia a_. times
sr
roerguievaetne
former amount ; and by this system he canat all
z,cs 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
"Q a bank, with this palpable advantage, however,
mere than
that he gets inte-
rest for his money, and in case of death his family receive
the amount of his savings. In ordinary Life Offices be can do no
such thing, but his policy at once lapses or is cancelled the moment
Lc ceases to pay his current premiums, and, instead of having any
d 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
rnore fortunate co-assurers.
Such a system is tbo equitable and too striking to be overlooked
and DEposiT assurance is the only system of assurance which can be
universall recognised and adopted when the principles are impar-
tially canvassed, and its palpable benefits become widely diffused. It
. confers greater advantages than a bank because it allows a fair rate
interest in ease of withdrawal, and gives twice the amount in the
ands of the Company to the representatives of the Depositor 1 x
ease of death, thus combining the
ADYANTAGES 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.
AbTANTAGES OF THIS COMPANY UNDER THE ORDINARY
LIFE ASSURANCE BRANCH.
5. OTo those who prefer this branch Policies are granted from 201. to
p:3/, on every known principle thereof.
Ives in all but the worst stages of disease, and such as have been
'Acted by other Offices, are taken at rates equivalent to the parti-
cular disease.TVans from 501. and upwards granted on every kind of security,
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
maiteut value, or
Directors will eitner purchase the Policy at a fair
rea
or give a new one in lieu thereof, less 5 per cent., into-
vrh, e°rresPonding in amount to the whole of the previous payments
Detailed
been made.
Detail
ed prospectuses with tables in further illustration of the De-
sYatem, and any further information may be obtained on ann.
"Km to the Agents in the country, or to
CHARLES W. BEVAN, Resident Secretary.

Sege-Agents 1%140 In all parts of Ma World.

DR. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row, Carvalho,
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—Spring and Summer Mornings—Ex-
cursions about the Environs of London—The Parks, Lanes, Hills
Forests, Fields, High-roads, and other pleasant 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.

FRAGMENTS FROM THE FOUNTAINS. Two Vols.
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 nsay ran."
A popular review of almost every form (cause and cure) of ner-
vonsly-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 rulesfer the diet and physical regu-
lation of every-day life.
IY.

THE PASSION&
" 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
officentiousness and dissipation, with illustrations, graphic, narra-
tive, arid remediative. Advocacy of early marriages.
'T.

THE MARRIAGE STATE.
To be or not to be, that's the question."
FROGRAMIKE :—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, 80.
By R. J. CI7LVERWELL, M. (1841),
(1824), Tiven ar
Twenty five yes Medical and Forensic Referee in there
matters.
ost, Is. 6d.
Price Is. each; by p
To be had of Sherwood, 23, Paternoster-row ; Carvalbo, 147,
Fleet-street; Mann, 39, cornhill ; or of M. R. Culverwell, M.D.,
10, Argyll-place, Regent-street, who may be consulted daily from
Ten till Five, and Seven till Nine.