The Sun.
London, England, 1853-02-05 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 Ills give him for to pay his current
end of policy the surrender annual premium of
Annual thirty at that or sale 81. 6s. 3d. after he has
premium yearswhen age, of his policy, paid into their coffers
to assure the party in case after thirty 2491.7 s 6d., and which
5001.4. is fifty of years'payments they have had the use
years old, death amounting to I of at compouni
hewill have will be 2491. 7s. 6d. interest,f or in
paid into worth whkh theyhave the event of his death
the office. bad the benefit one hour after such
of at compound omission or inability
interest. to pay.
little more
20,8 L 65.3 d. 249 L 78.6 d. 5001. than 801. I NOTHING.
perhaps 901.
ON TIIEPDEPOSIT SYSTEM.
Ifunable to pay, or not
desirous of paying or
omitting topay,thePo-
Hey would still remain
of its FM, value,
522/.25.7d.ti1l death, if
20 years after, no fur-
ther payment beingre-
quired. Ifhowever the
•
party,lrom any cause,
wished to cancel the
Policy, he could not
onlydrsw out all hehas
put in, viz., 2251., but
20 1/.15s Od 2251. 5221.257 d 2871, 2s. 9d. a certain bonus of 621.
2s. Ott. 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 Polley
only by the assured
value of the sum se
drawn out at the age
when withdrawn. See
pagess and7in detailed
pamphlet, by
F. G. P. Nelson, Esq.
* The rates here selected are those adopted by the,English and
Cambrian Office, and advertised in its distinctive feattires as low
nreminrn. and professedly for the lower and midding classes.

The rates here selected are those adopted by the-English and
Cambrian Office, and advertised in its distinctive featares as low
rates of premium, and professedly for the lower and midding classes.
In most offices, particularly the older ones, such as the- Scottish
Equitable and the Globe, these rates would be much higher. In the
former of 101.75. 6d., with 10 shillings per cent. entrance fee, would
be the rate to insure 5001. at 20 years of age. In the latter 8/. 13s 4d.,
to insure the same sum. The higher the rate the more in favour of
the DEPOSIT system.
t Morey laid out at compound interest DOUBLES ITSELF every fear-
teea years.
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 le-s sum, paid annually, he can assure
It larger sum in case of death than under the ordinary system.
2ndly. In the event of a desire to surrender MA Pelley he can receive
in this Company, by the above example, which applies to all ages,
TattES 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 be cease his current payments
for any number of years ; whereas on the ordinary system, he gets
nothing. 4thlv. 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 env part from 11 up to the
Whole amount of his previous payments and with interest. After he
has withdrawn part one year lie 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 anrual savings by his annual expenditure, with the facility in the
bargain o !having a fund to fly to in case of necessity, the same as
in a bank, with this palpable advantage, however, that he gets inte-
rest for his money, and in case of death his family receive more than
MI amount of his savings. In ordinary Life Offices Le can do no
each thing, but his policy at once lapses or is cancelled the moment
be ceases to pay his current premiums, and, instead of having any
fund to Sy 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 to be overlooked
and Deposit assurance is the oaly 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
Milers greater advantages than a b Ink 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
saselof 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.
41)VANTAGES OF THIS COMPANY UNDER THE ORDINARY
LIFE ASSURANCE BRANCH.
To those who prefer this branch Policies are granted from 201. to
..0001. on every known principle thereof.
_ Lives in all but the worst stages of disease, and such as have been
reiected by other Offices, are taken at rates equivalent to the parti-
cular disease.
_ Loans from 501. and upwards granted on every kind of security,
real
. or Personal, on the most equitable terms to the borrower
~...nnaities of every description granted on very favourable terms.
zTon-forfeiture of a Foley —ln case of inability to pay the currant
Premiums,
the Directors will eitner purchase the Policy at a fair
market value, or give a new one in lieu thereof, less 5 per cent., into-
eat 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 appli.
cation to the Agents in the country, or to
CHARLES W. BEVAN, Resident Secretary.

N.B.—Agents wanted In all part., of Iha World-

I ) CO LVERWELL'S NEW WORKS.
14,, ~ To be had of Sherwood, 23, Paternoster-row , Carvalho,
' r lest-street, Mann, 29, Cernhill. Price One Shilling each ; by
Post, is

ENJOYMENT OF LIFE.
c "Health, Recreation, and Rational Use of Time"
eurr°!TElwrs:— Early Rising—Spring and Summer Morning
por-r, 8 about the Environs of London—The Parks, Lanes, ,
T
"tB, Fields, High-roads, and other pleasant places Country
Pa and Rambles—The Sea -London at Night—Evenings at Home
u_ltsle—The Drama—Cn Eating, Drinking, Sleeping, Bathing, Air,
'`Sts Ease, Occupation, &c., &c.

tr
FRAGMENTKFROM THE. FOUNTAINS. Two Vols.
Vol. I.
VISIT 70 THE LAKES; SKETCH OF EDINBURGH, &c.
VoI.IL
THE LAKES OF KILL AR NEY ; REMINISCENCES OF
DUBLIN, &c.
WHAT TO EAT, DRINK, AND AVOID,
" That three score years and ten our course may run."
IPopular review of almost every form (cause and cure) of ner-
F-debilitat, d health and enfeebled constitut• on that harasses
ae you
g besets the man of pleasure, business or study, and (m-
-lusters old age ; with tables and rulesior the diet and physical regu-
lation of every-day life.

TE PASSI ONS.
,•What passions H
hurt the body—hat i
Truths as refined as Athens ever heard.m prove,
Suutger :—Life's pilgrimage, from infancy to old age. The ad-
vent of the nassions. Chastity and Its infringement. The casualties
of licentiousness and dissipation, with illustratirms, graphic, narra-
tive. and remediative. Advocacy of early marriages.
. V.
THE MARRIAGE STATE.
PROGRAMME:- o be or not to be, that is the question."
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 tempt rament, complexion, and
figure, to secure healthy offspring, with the art of rearing them.
Phys.ea I doectiveness and its removal. Sterility and its conversion.
Cases, &e. ,
(181 BY it. J. Cy LVERWELI., M.D. (1841), M.R.O.S. (1827), L.S.A.)
hiatters. Twenty. fl
^ve yearn Medical and Forensic Referee in these

Price Is. each; by post, Is. 6d. Vv
To be bad of Sherwood, 23, Paternoster-row ; Carvalho, 147,
F 1 To
Mann, 39, Cornhill; or of M. R. Culverwell, M.D.,
10, emu, lace Regent•street, wllO 11147 be 00041111.04.414117 from
Ttiktill and lityon