The Sun.
London, England, 1853-02-26 00:00:00

ON TUE ORDINARY' SYSTEM.

The sum the ordinary
The sum the Life Offices would give
ordinary Lifts '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
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
n' 5001. is fifty of years'payments they have had the use
years old, death amounting to of at compound
hewill have wlll be 249/. 7s. 6d. interest, or in
paid into worth which theyhave the event of his death
the office. had the beneflt one hour after such
of at compound omission or inability
interest. to pay.
little more
20.81. Cs. 3d.12491. 75.6 d. 5001. than 801. NOTHING.
perhaps 901.
ON THE DEPOSIT SYSTEM.
If unable to pay, or not
desirous of paying or
omitting topay,thePo-
liey, would still remain
of its FULL value,
522/.2s.7d.tilldeath, if
20 years after, no fur-
ther payment bei ngre-
(mired. Ifhowever the
party, from any cause,
wished to cancel the
Policy, he could not
onlydraw out all heh as
put in, viz., 225/., but
20 7/.los Od 2251. 5221.257 d 2871. 26. 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 50/.,
diminishing the Policy
only by the assured
value of the sum se
drawn out at the ago
when withdrawn. See
pagess and7in detailed
pamphlet, by
F. G. P. Neison, Esq

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 le.s sum, paid annually, he can assure
larger sum in case of death than under the ordinary system.
2ndly. In the event of a desire tosurrender his Policy he can receive
in this Company, by the above example, which applies to all ages,
THREE 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 payments and with int erest. 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
its former amount ; and by this system he can at all times regulate
his annual savings by bis annual expenditure, with the facility in the
oargain of having a fund to fiy to in case of necessity, the same as
lea bank, with this palpable advantage, however, that he gets Inte-
rest fur his money, and in case of death his family receivebe can mere than
no
the amount of his savings. In ordinary Life Offices do
such thing, but his policy at once lapses or is cancelled the moment
he ceases to pay his current premiums, and, instead of having any
ffind to ity 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 only 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
confers advantages than a bank because it a
of interestgreatr inscase of withdrawal, and gives twice the allows
amountfair inrate the
hands of the Company to the representatives of the Depositor ix
case;of 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.
ADVANTAGES OF THIS COMPANY UNDER THE ORDINARY
LIFE ASSURANCE BRANCH.
To those who prefer this branch Policies are granted from 201. to
5,0001. on every known principle thereof.
Lives in all but the worst stages of disease, and s
valent uch as have
parti-
been
rejected by other Offices, are taken at rates equi tO the
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
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., inte-
rest 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.—Acents wanted In all natl., of the World.

1) R. CU.LVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row , Carvalbo,
147. Fleet-street, Mann, 19, 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—en Eating, Drinking, Sleeping, Bathing, Air,
Rest, Ease, Occupation, &c., kc.

FRAGMENTS FROM THE FOUNTAINS. Two Tole.
Vol. I.
VISIT 10 THE LAKES ; SKE.
11. TCII OF EDINBURGH, &C.
Yol ' • •
THE LAKES OF KILLARNE
NY BicEMINISCENCES OF
111.
DUBLI,
WHAT TO EAT, DRINK, AND AVOID,
" That three score years and ten our course may run."
A popular review of almost every form (cause aid cure) of ner-
vousl-debilitated health and enfeebled constitutin that harasses
the yoy
ung. besets the man of pleasure, business or study, and em-
bitters old age; with tables and rniesfor the diet and physical regu-
lation of every-day life.

IT.
THE PASSIOICB.
*1 What passions hurt the body—what improve,
Truths as refined as Athena ever heard."
SUBJECT :—Life's pilgrimage, from infancy to. old age. The ad-
vent of the passion,. Chastity and its infringement. The casualties
eflicentiousness and dissipation, with illustrations, graphic, narra-
tive, and remediative. Advocacy of early meninges.
T.
TUB MARRIAGE STATE.
To be or not to be, that is the question."
FRoGRAMMII:—Laws and obligations of natu re, society, and reli-
gion regarding marriage, to be observed by either sex. Time and
choice, on both sides, as to age temptrammt, complexion, and
figure, to secure healthy offspring, with the art of rearing them.
Physical defectiveness and Its removal. sterility and int conversion,
Cases, &c.
By H. J. CULVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
(1824), Twenty-flue years Medical and Forensic Referee in there
matters

Price Is. each; by post, ls. Gd.
To be had of Sherwood, 23, Paternoster-row ; Carvalh 14
Fleet-street ; Mann, 39, Cornhill ;orofM. R. Culverwell,
10, Anvil-place, Regent-street, who may be consulted daily from
Ten Lill Five, and. Seven till Nine.

INNEFORD'S PURE FLUID MAGNESIA
has been for many years sanctioned by the most eminent
o i the medical profession, as an eicellent remedy for
ACIDITIES, HEARTBURNNDIG, HEADACHE, GOUT, AND
lESTION. _

As a Mild Aperient, it I; admirably adapted for Delicate Females
particulary during Pregnanc; at prevents the food of infants
from turning sour during digestion i
Combined with the

-
ACIDULATED LEMON SYRUP,
It forms an Effervescing Aperient Draught, which is highly agreeable
snd efficacious.
Prepared by DINNEFORD and Co., Dispensing Chemists (and
.lemeral Agents for the Improved Horse Hair Gloves and Belts),
172, New Bond-street, London. and sold by all respectable Chemists
throughout the Empire.

NAVAL INTELLIGENCE.

PORTSMOUTH, Pen. 25.

The Thomas"Arbuthnot, freight-ship, which put back
to St. Helen's on Monday night, owing to small-pox
having broken out among the troops (head-quarters
of the 48th) on board, has been placed in quarantine to-
day at the Motherbank, and the best medical assistance
sent off to her.
The Agamemnon, 91, Captain Sir Thomas Maitland.
—There are so many of her sick at Haslar Hospital that
the doctors are quite short-handed. It appears that two
surgeons, Messrs. Sabine and Elliott, were ordered to
the hospital to assist in dispensing medicines, &c. Mr.
Sabine declined on account of his twn bad state of health ;

the other gentleman is some miles away. We cannot
help thinking it rather infra dig. for surgeons to do
the duty of assistant-surgeons.
The London, 90, Captain George R. Mundy.—This
ship is still short. Give the able seamen better pay, let
the ordinary stay where it is, and there would be but little
occasion to send this noble two-decker to Plymouth to
pick up men. She will be no better off there than at
this port. Jack well understands his value at every
port in the kingdom, and money would be saved that is
now wasted in sending our ships and war-steamers
about " men-begging."
The Duke of Wellington, 131, Captain Henry Byam
Martin, C. 8., has received on board to-day the upper
part of her funnel ; she has also received and stowed her
messenger, man-handled on board by her marines ; guys
are laid, and she hauls into dock to-morrow.
The Asia, 84, having undergone a most efficient re-
pair throughout, recoppered and payed over with Hay's
composition on the starboard side, and Peacock's on the
port, hauled out of dock this morning into the fitting
basin.
The Illustrious, 72, block-ship, has had gangs of con-
victs engaged taking out the remainder of her ballast
and iron tanks, and will haul into No. 6 dock to-morrow
(Saturday) to be converted ikito a block-ship, not a steam-
ship.
The Victoria and Albert, Royal yacht, Captain Wil-
liam Crispin, will haul into No. 5 dock, on Monday
next, to have her copper cleaned and examined.
The caisson belonging to the north dock having under-
gone a thorough repair, was hauled out of No. 6 dock
to her proper position.
The Hecla, 6, steam-sloop, has had the painters over
the side to-day, and is ready for service.

PLYMOUTH, FEB. 25.

The bark Tartar, of this port, from the Mauritius,
Nov. 25, with 410 tons of sugar, arrived this afternoon.
Left at St. Helena, Jan. 1, the ship Owen Potter, from
the East Indies for Liverpool, and the bark Pantaloon,
from Algoa, Bay for London. The bark Jane Prowse,
from the Mauritius, left Jan. 1. A two-topsail slave
schooner, prize to the Waterwitch, had just arrived.
Feb. 9.—ln lat. 43 ddg. 40 min. N., long. 18 deg. 22
min. W., sighted the Bride, of Gloucester, with loss of
bowsprit, topmasts, and foreyard, steering S.E. Wind
N.W. Captain Rollings died on board, Feb. 3.
The screw steam guard-ship Hogue, 58, Captain
Ramsay, has been ordered to proceed from Devonport
to the Mediterranean.
The Queen, 116, Captain Mitchell, was paid wages
this day, and one portion of her crew are come on shore
on leave, according to the present regulations.
The Desperate, screw steam-frigate, Captain Chain-
bers,itook in some victualling stores this morning for
Queenstown, and sailed at one p.m. for that port.
The Argus, 6, steam-sloop, Commander Purvis,
having filled up with coals, went out of harbour this
afternoon.
The Manceuvrer, lighter, Ross, sailed to-day with
stores for Chatham.

CHATHAM, FEB. 24.

Mr. George D. Skillett, second-class clerk in this
dockyard, has been superannuated on a pension of 2301.
per annum.
Mr. Sampson Seaton, third-class clerk, has.been pro-
moted to the second-class, vice Skillet.
Mr. T.-Brattle, extra clerk, has been appointed third-
class clerk, vice Seaton.
Anthony Bone, shipwright, has been superannuated
on a pension of 241. per. annum.
Yesterday a mason employed by the contractor slipped
from some steps down which he was carrying a heavy
load, and fractured both bones of one of his legs. He
was immediately taken to Melville Hospital, where he
will remain until his cure is effected.

MR. STANTON'S NAVAL REFORM BILL.
WASHINGTON, FEB. 8.
Mr. Stanton, chairman of the naval committee of the
house, has prepared a bill proposing a radical reorganisa-
tion of the navy, which, it is understood, meets the views
of a majority of the committee, and is intended to be
offered as a substitute for the Senate Bill. With a view
to get it before the house, Mr. Florence, at the request
of the committee, has twice attempted to introduce a
resolution making the Senate Bill the special order for
Saturday. Both attempts failed, rendering all action
' substitute vacates and annuls all com-
missions asvtaalnafftonaisrssat this session very doubtful.
missions in the navy as soon as the act goes into effect
—provides for the appointment, with the advice of the
grades
mailau
dne numbers —e u
t2eon ca
no com-
m, s
InS eondaotree, s fstoh thecaptains,
g6g 1.0
250 midshipmen, 69 surgeons, 34 passed assistant-tant-
25 first assistant
sur-
geons, 45 assistant-surgeons, 64 pursers, 20 assis
pursers, 1 chief engineer, 20 engineers,
engineers, 30 second assistant engineers, 35 third assis-
tant engineers. Warrant officers as heretofore.
The President is required to communicate to Congress
at the commencement of the next session a plan for the
relief of meritorious officers dropped from the list by
virtue of this act.
The cadets to be admitted to the Naval Academy at
no time to exceed 250—one from each congressional dis-
trict, and the remainder at large.
The pay of commodores on duty, 4,000$ per annum ;
when not on duty, 3,000$ ; lieutenant commanders on
duty, I,Boos ; when not on duty, 1,500$ ; assistant sur-
geons on duty, I,ooos ; when not on duty, 700$ ; the
pay of all other officers as at present.
The bill proposes to establish a bureau of service, with
'a judge advocate, at a salary of 3,0005, and three clerks,
to take charge of all matters. pertaining to the officers
and men. The chiefs of bureaus to be appointed from
any grade of officers, except the bureau of construction,
which is to be filled by a competent naval constructor.
The salaries of the chiefs of bureaus to be 3,5005. The
orme placecause
sl
lebe thane on furlough
ew
promotionsno cuonmdtos-
Pa t r ehi
ens
nisfidt r
me
on rti t
uti
discretion,eons unworthy,
ois
rm theveryincurred
from oionmm t
officerthaheneys en
orawtyvhihyceoe,r
pb°reetaccording to merit, reference being had to the length
I of service, ability, character, &c.