The Sun.
London, England, 1853-02-07 00:00:00

ON THE ORDINARY SYSTEM.

The sum the ordinary
The sum the Life Offices would give
'tit ordinary Lift 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
1:112_11,1tal thirty at that or sale - 81. Cs. 3d. after he has
yeatswhen age, of his policy, paid into their coffers
54sure the party in case after thirty 2491.75.6 d., and which
I.* is fifty of years'payments they have had the use
• years old, death amounting .to of at compound
hewill have will be, 2491.75. 6d. - interestA or in
paid into worth:whichtheyhave the event of his death
the office. 'had the benefit one hour after such
of at compound omission or inability
• interest. to pay.
20 fa , little more
ri•es. 3d. 249/. 75.6 d. 5001. than 801. NOTHING.
perhaps 901.
ON THE DEPOSLT SYSTEM.
Ifunable to pay, or not
desirous of paying or
omitting topay,thePo-
I icy would still remain
of its FULL value,
522/.25.7d.ti1l death, if
20 years after, no fur-
ther payment beingre..
quired. If however the
party, from any cause,
wished to cancel the
Policy, be could not
onlydraw out alllich as
put in, viz., 2251., hut.
20 7/.los 0(1 2251. 5221.257 d 287/. 25. 9d. a certain bonus of 62/.
2s. 9d. In the bargain,
which Is more
than one-fourth of the
whole of his payments,
or he could ettherdraw
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when withdrawn. See
pagess and7in detailed
pamphlet, by
F. G. P. Nelson, Esq.
* Thp rate:, here selected are those adopted by the English and

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 he much higher. In the
former of 101. 7s" 6d., with 10 shillings per cent. entrance fee, would
be 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 DEPOSIT System.
t Money laid out at compound interest DOUBLES ITSELF every fox-
teen 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 less sum, paid annually, he can assure
a 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,
'tnitxx 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
vhole amount of his previous payments and with interest. After he
has withdrawn part one year he 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 annual savings by his annual expenditure, with the facility in the
bargain o fhaving a fund to fly to in case of necessity, the same as
in a bank, with this palpable advantage, however, that be gets inte-
rest his money, and in case of death his family receive more than
Ina amount of his savings. In ordinary Life Offices he can do no
tick thing, but his policy at once lapses or is cancelled the moment
teases to pay his current premiums, and, instead of having any
. !land to ay 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
!Al DEPOSIT assurance is the only system of assurance which can be
universally recognized and adopted when the principles are impar-
nlY canvassed, and its palpable benefits become widely diffused. It
comers greater advantages than a bank because it allows a fair rate
of ilnterest in case of withdrawal, and gives twice the amount in thp
hands of the Company to the representatives of the Depositor in
naltelof 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.
AbYANTAGES OF THIS COMPANY UNDER THE ORDINARY

LIFE ASSURANCE 'BRANCH.
To those who prefer this branch Policies are granted from 201. to
5.09131. on every known principle thereof.
?Suesr in all but the worst stages of disease, and such as have been
`lotted 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
Annuities of every description granted on very favourable terms.
Non-forfeiture of a Policy —ln case of inability to pay the currant
_llerniums, the Directors will either purchase the Policy at a fair
r'oarket value, or give a new one in lieu thereof, less 5 per cent., inte-
;st corresponding in amount to the whole of the previous payments
bieh have been made.
Detailed prospectuses with tables in farther illustration of the De-
nosit 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-11.—Agents wanted In all Dart, of the World

I)R. CIILVERWELL'S NEW WORKS.
147, To be had of Sherwood, 23, Paternoster-row, Carvalho,
Fleet-street, Mann, 39, Conthill. Price One Shilling each ; by
wilts la 64.

ENJOYMENT OF LIFE.,
c "Health, Recreation, and Rational Erse of Time."
e. osrENTS:—Early Rising—Spring and Summer Mornings—Ex-
ins shins about the Environs of London—The Parks, Lanes, Hills:
Forests, Fields, High-roads, and other pleasant places - Country
and Rambles—The Sea -London at Night—Evenings at Home
i:me—The Drama—On Eating, Dnnking, Sleeping, Bathing, Air,
t, Ease, Occupation, &c., &c.

FRAGMENTKFROM THE FOUNTAINS. Two Vos.

Tot. I.
VISIT 10 THE LAKES; SKETCH OF EDINBURGH, tke

TqL It.
TILE LAKES OF KILLARNEY ; REMINISCENCES OF

DUBLIN, Sr,c.
111.
WHAT TO EAT, DRINK, AND AVOID,

" That three score years and ten our course may run.
A popular review of almost every form (cams:, and cure) of ner'
1:°,01Y-debilltatcd health and enfeebled constitution that harasses
t'
-'e 3 ming, besets the man of pleasure, business or study, and a In•
bitters old age ; with tables and rulestor the diet and physical iegu•
httion en every-day life.

THE PASSIONS.
What passions hurt the body—'what improve,
Truths as refilled as Athens ever heard."
SusrgcT : pilgrimale, from infancy to old age. Tll,l ad-
Vent of the passions. Chastity and its infringement. The casualties
ofllcentloustiess and dissipation, with illustratt ns, graphic, narra-
tive, and remedlative. Advocacy of early marriages.
V.
THE MAP,RUGE STATE.
To be or not to be, that Is the question."
Taw.uAstmE:—Laws and obligations of nature, society, and reli-
gion regarding marriage, to be observed by either sex. Time and
C oice, on both sides, as to age temperament, complexion, and
flgure, tf., secure healthy offspring, with the art of rearinz them.
Physical defectiveness and Its removal. Sterility audits conversion.
Cases, etc.
J 53
It. J. CULVERWELL, M.D. (18=i ), (1827), L.S.A.
(1824), Twenty•live years Medical and Forensic Referee in these
Matters.

Price Is. each; by post, Is. Od.
To be had of Sherwood, 23, Paternoster-row ; Carvamo, 147,
Pleet-street ; Mann, 39, Coruhill; or of M. R. Culverwell, M.D.,
10, Argyu-place. Itegent,street, who may be consulted daily from
Teiktill Five, and Seven till Nine.