The Sun.
London, England, 1853-01-13 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 omits ed
At the Ills give him for to pay his current
end of policy the surrender annual premium of
t Annual thirty at that or sale 81. 6s. 3d. after he has
t premium yearswhen age, of his policy, paid into their coffers
assure the party in case after thirty 2491.75.6 d., and which
rs 5001.* is fifty of years'payments they have had the use
'years old, death amounting to of at compound
hewill have will be 2491.75. 641. interest,t or in
paid into worth which theyhave 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
I.* 8.
t. 0f5.34. 2491.73.6 d. 5001. than 801. NOTHING.
perhaps 901.
ON THE DEPOSIT SYSTEM.
Ifun able to pay, or not
desirous of paying or
omitting topay,the Po-
licy would still remain
of its FULL value,
5221.22.7 d.till death, if
20 years after, no tlir-
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
20,11.10 s Od 225/. 522/.257d 287/. 25. 9d. a certain bonus of 621.
2s. 941. 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 se
drawn out at the age
when withdrawn. See
Pagess and 7 in detailed
pamphlet, by
F. G. P. Neison, Esq.

* The rates here selected are those adopted
ot 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 otllces, particularly the older ones,
be such as the Scottish
erneent'''. necnehtrhaingehee
fee,r.
Equitable and the Globe, these rates would
for Mer of 101. Is. 6d., with 10 shilling
be the rate to insure 5001. at 20 years ln th
to insure the same sum. The higher the rate the latter Si. 13s 4d.,
more in favour of
the nzroslT system.
laida I.iso outn
e f a tt compoundthese
esetwo interesttab lesits):
LEbe3srisaeenEletvearypefonaron.
tonllcoonmeyp
four-
teen year&
can secure the folio
Ist. For a less sum, paid annually, he can assuwre.
under the novel system of DEPOSIT assurance
can receive
-
lug advantages, viz.,
all ages,
a larger sum in case of death than under the ordinary system.
2ndiy. In the event of a desire to surrender his Policy he
in this Company, by the above example, which applies to
much as on the ordinary system. 3rdly. in the event
THERE times as
his policy remains still his property,
of inability or omission to pay, perty,
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 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 event
is former amount ; and by this system he can at all times regialtabee
his annual savings by his annual expenditure, with the facility n
bargain of 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 fur his money, and in case of death his family receive mere than
the amount of his savings. In ordinary Life Offices lie can do no
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
fund to fly to for aid, all his hard-earned sayings 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 greater advantages than a brnk 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 1 n
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
5,000/. on every known principle thereof.
Lives in all but the worst stages of disease, and such as have been
rejected 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
premiums, the Directors will either purchase the Policy at a fair
market value, or give a new one in lieu thereof, less 5 per cent., inte-
rest corr.sponding 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.
•

2T43.—Asents mated In all puta of the

elLro aa

.

DR. CIILVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row , Carvalho,
147, F et-s
letreet ; Mann, 39, Cornhill. Price One Shilling each; by
Post, is Gd.

ENJOYMENT OF LIFE.
Forests, Fields, High-
" Health, Recreation, and Rational Use of Time."
CONTENTS :-E —Early Rising—Spring and Summer Mornings—Ex-
cursions about the Environs of London—The Parks, Lanes, Hills,
Tips and Rambles—The Sea -London at Night—Evenings at Home
High-roads, and other pleasant places-Country
Music—The Drama—Cn Eating, Drinking, bleeping, Bathing, Air,
Rest, Ease, Occupation, &c.,

FRAGMENTS FROM THEIL FOUNTAINS. Two Vols.
Vol. I. VISIT TO THE LAKES; SKETCH OF EDINBURGH, &c.
Vol. 11. THE LAKES OF KILLARNEY ; REMINISCENCES OF
DUBLIN, &c.

WHAT TO EAT, DitucK, AND AVOID,
4. That three score years and ten our course may run."
A popular review of almost every form (cause and cure) of ner-
voudy-debilitated health and enfeebled constitution that harasses
aye yotlng, besets the man of pleasure, business or study, and ern.
:d • wiaytlhifeta.bles and rules for the diet and physical regu-
bi'aittitoeursoofldevaegr;

117.
THE PASSIONS.
rr What passions hurt the body—What improve,
Truths as refined as Athens ever heard."
SUBJECT :—Life's pilgrimage, from infancy to old age. Theita:::.
vent of the passions. Chastity and its nf-ingement. The casualties
of
licentiousness and dissipation, with illustrations, graphic, i
tive, and remediative. Advocacyvo.f early marriages.

THE MARRIAGE STATE.
"To be or not to be, that is the question."
Iltoosestxx :—Laws and obligations of nature, society, and reli-
gion regarding marriage, to be observed by either sex. Time anchoice, on both sides, as to age temptrament, complexion, and
figure, to secure healthy offspring, with the art of rearing them.
Physical defectiveness and its removal. Sterility audits conversion.
Cases, &c.
By R. J. CULVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
(1824), Twenty-five years Medical and Forensic Referee in these
matters.