The Sun.
London, England, 1847-03-25 00:00:00

NATIONAL LOAN FUND LIFE ASSU
RANCE SOCIETY.
OFFICE, 26, CORNIIILL, LONDON.
Capital 500,0001.
• Empowered by Act of Parliament.
_ The system of Deferred Annuities, originally proposed by the Na-
tional Loan Fund Life Assurance Society, for the better advance-
Meat of the objects of Benefit and f riendly Societies, having received
• the approbation of a considerable body cf the active members and
Seers of those Institutions, and the Directors of the National Loan
land Society having_ been urgently solicited by them to establish a
Branch Office in connexion with those Societies and the Operative
Classes generally, in which their services might be successfizily en-
gaged, a Committee has been sanctioned by the Directors to open
communication with the different Societies, with the view of more
effeEtually disseminating the valuable benefits amongst the indus-
• trions classes, and a plan has been proposed with that object.
ADDRESS OF THE COMMITTEE.
„ Many praiseworthy but Ineffectual attempts have been made to
Ring within the scope and operation of the laws of mortality and
twwielY the savings of the industrious classes, as well as various cal-
cidations regulating their distribution, having for their object either
mediate, contingent, or deferred benefits.
A slight examination, however, will demonstrate that the con-
struction of these associations or societies is defective; and that in-
Stead of affording an easy access and a free choice of investment,
Which should be the privilege of every one, they confine too liar-
tsWlY the channel through which a benefit can alone be secured ;
and, in proportion as their action is circumscribed and embarrassed,
their utility is limited. For example, it is not to every individual,
6r to every class amongst the industrious community, that provision
in ease of sickness is an object of such importance as to call for a
Pecuniary sacrifice; while to others such a provision appears more
attractive,, and the loss of employment caused by sickness is a risk
against which they desire to be guarded. For this anomalous state
things there is an effective and simple remedy; that is to say,
- "mead of covering, by one weekly or annual payment, two or more
,Seatlngent or deferred benefits, so to arrange it that each separate
Dewitt should have its separate contribution.
It is to not having observed this rule, and to the association of
two dissimilar functions, and by confounding a sick allowance and
an annuity fund in one and the self-same payment, that much of the
Inland mismanagement has arisen amongst Benefit Societies.
No mechanism can be so perfect for the management of a sick-
tees-thud provision as that afforded by the constant sectional asso-
ciation and watchfulness of the several members composing it. By
thin means a thorough and constant check is mutually exercised, and
hone but the really sick are likely to become chargeable upon it.
But the same perfection, or the same security, is seldom attainable
Where a fluid is to be accumulated through a succession of years,
„ and where results are to bear oat calculations, money investment
~.ueing in general beyond the experience of the Industrious classes.
sror these reasons it is clear that the fluids destinedfor a provision in
sickness should be kept entirely distinct from the fund intended as a
Provision for old age:-
Ist. Because the laws of sickness and mortality, though apparently
"'fleeted, do not depend on the same calculation.
• 2d. Because there are a great number who, in order to secure ,a
• Larger provision in old age are willing to take the risk of providing
for Probable sickness on themselves.
3d. Because the responsibility of managing a provision for old age,
• continued to a distant period is, in a great measure, incompatible
With voluntary associations, fluctuating laws, and individual irre-
aPonsibility, and more exposed to a failure in the performance of
Mich a contract, that when undertaken on the same principles that
• ordinarily govern commercial bodies.
4th. Because the expenses of providing for sickness must, when
halted In the same payment with provision for old age, tend to dim'.
Wish still more this provision : nor is it wisdom or good policy to en-
danger the one for the sake of the other.
impressed with these convictions, and with an intimate knowledge
of the discussions passing within the bosom of many of the existing
Friendly and Benefit Societies, the parties whose names are here-
unto attached, have had several meetings, with a view of proposing
or adopting a remedy
for those and other evils ; and in this manner
to give an additional force to the principles of brotherhood, unity,
and mutual aid, on which friendly societies are based, by guarding
them from the risks of sudden dissolution.
• After much diligent search amon4st the combinations ingeniously
PrePosed from time to time for the attainment of one of the principal
Objects of Friendly and Benefit Societies, they have found none equal
11 Simplicity and comprehensiveness of design, as well as forethought
aild Sympathy for the wants of the industrious classes, as the plan
Proposed..__ by the National Loan Fund Life Assurance Society. It is
ulle that the author of that plan has furnished an argument against
provision in sickness; but, without concurring in the immediate ex-
Pediency of abandoning a provision in sickness, no one can read the
ether part of the plan itself, without being fully sa•isfied that the
convenience and safety of Friendly and Benefit Societies will be
greatly secured and consulted, by separating the payment of a sick
.„ ""evrance from an annuity for old age.
u_A deputation having waited on the directors of the National Loan
_lid, who met in the handsomest manner the overtures made to
rthese for the establishment of a separate Make for the transaction of
easiness connected with Friendly and Benefit Societies, and the in-
dlistrious classes in general, resolations have been entered into, con-
• Stitnting the undersigned as a Committee, with power to add to its
"ahlber, for the promulgation of the benefits contained in the an-
"eXed prospectus, under the guarantee of the Capital of the Society,
and which, without interfering with the numerous objects connected
With the institution of Benefit and Friendly Societies, will in their
Zillion greatly enlarge their sphere of utility, and afford a protection
4, the working classes in old age and adversity, Which nothing up to
the Present day has adequately secured to them.
Thomas Burthom, P.C.R., Ancient Order of Foresters.
John Fussell, C.R„ Ancient Order of Foresters.
John H. Gordon, D.S., Ancient Order of Foresters.
James Hale, D.C.R., Ancient Order of Foresters.
Henry Hunt, P.G., Manchester Unity of Odd Fellows.
Joseph Nugent, Pro. C.S. Manchester Unity of Odd Fellows.
Joseph Reeks, 8.0. F., Order of Old Friends.
Samuel Timbrell, D.C.R., Ancient Order of Foresters.
DEFERRED ANNUITIES.
„m*lo.-A person aged 24 next birthday, by the annual pay-
, 'lent of 11. Cs., or quarterly payment of 75., or monthly payments
of 2s, 2d„ may secure, on attaining the age of 60, the option of re-
g Annuity, 101. 19s. 2d. ; Cash down, 1071. 3s. ; or a Policy
on his Life 1371. I7s.
-E
,4,Xample.-A person aged 26 next birthday, may secure, on at-
taining the age of 60, an Annuity of 10/., with the other options, by
e annual payment of 1/. 6s. 93., or a single payment of 221. 17s. 3d,;
On payment of d. for dis he ill e entitled to
the
ants benefits by 61.
anl4s. ann3ual paymenptarity , of 18s. lid., the same as
for age ".
33ParnPle.---A person aged 30 next birthday, by the annual pay-
er ;_t of 11. es., or quarterly payment of 75., or monthly payment
eeild, may secure on attaining the age of 65, the option of re-
,,,_"_eg Annuity, 181. Os. 4d.; cash down, 14111. 12s. ; or
a policy on
his 1751. I is.
T.exa,
rnple.-A person aged 35 next birthday, by the annual pay-
of Of U. 65., or quarterly payment of 75., or monthly payment
eei„,s' 2d., may , on attaining the age of 65, the option ef re-
m; ag Annuity,secure 181. Os. 4d. ; cash down, 148/. 12s. ; or a policy on
are. 1751. I is.
LIFE AMUR %NC E.
person at the age of 30 next birthday may secure
lilwagif 1001. payable at his death, whenever it may happen, and
thentii, 'Vats in theArmual Division of Profits, by the annual pay-
Exage: 91. 3d,
meat of 's-A person at the age of 25 next birthday, by the pay-
-1121.55. P month, or per week, may secure leer Is. e the sum of
fable Wise abate We at his death, whenever it may happen, and like-
the4ll annual profits of the Society.
• F. FERGUSON C IaIROUX, Secretary.

TE
EXPERIENCE LIFE ASSURANCE
Edinbur,,, ~ COMPANY.
g
" 4., George-street. London, 58, King William-street.
Established 1843.
This Company,. TableaCtrarl,ta43e7.lloool.
Po. the EXPERIENCE OF
XLIE SEVEN TEEN LIFE OFFICdEB,as ceonatrninpekla in the Report
rtheir Mortality published in 1843. in
te constitution, thib advantages of both the mutualia7demproWieest,
?Items of Assurance. The SHORT PERIOD RATES will be found,
n comparison with other Companies, to be exceedingly favourable to
Orers, and the rates for the whole period of life as low as is
'l:4l4istent WITH PERFECT SECURITY.
For prospectuses, &c., ap,,ly at the offices as above, or to any of
,11p Agents throughout the kingdom.
Sly order of the Directors,
T. YCILLE WARDROP, Secretary.

ARTISTS' GENERAL BENEVOLENT
INSTITUTION.
. For the Relief of Decayed Artists, their Widows, and Oiphans.
dor Instituted 1814. Incorpora' ed by Royal Charter 1842.
tn
the Immediate Protection of her Most Excellent Majesty

THE QUEEN.
Paraosr—His Royal Highness PRINCE ALBERT, K.G.
VICE-PATRONS.
His Grace the Duke of Bucclesch, K.G.
His Grace the Duke of Devonshire, K.G.
Ills Grace the Duke of Sutherland, K.G.
Most Noble the Marquis of Lansdowne, K.G.
Right Hon. the Earl of Shrewsbury
Right Hon. the Earl of Dartmouth
Right Hon. Earl de Grey
Right Hon. Lord Lyndhurst
Sir John Swinburne, Bart.
Sir Thomas Baring, Bart.
Sir George Philips, Bart.
Wm. J. Denison, Esq., M.P.
Joseph Neeld, Esq., M.P.
Jesse Watts Russell.
PRESIDENT—Sir MARTIN ARCHER SHEE, F.R.A.
VICE-PRESIVENTS.
B. Bond Cabbell, Esq., M.P.
William Broekendon, Esq.
J. 11. Mann, Esq.
Str William C. Ross. R.A.
Philip Hardwieke, Esq., R.A.

811 Robert/. Smirke, R.A.
e',,!,iehard Westmacott, R.A.
tiln• Cockerell, Esq. ILA.
r2rge Jones, Esq., R.A.
1'• Deering, Esq., R.A.
Thomas
_ Uwins, Esq., R.A.
% The Nobility, Friends, and Subscribers are respectfully informed
~" the THIRTY-SECOND ANNIVERSARY FESTIVAL will be
nth
in FREEMASONS' HALL, on SATURDAY next, the
-"ill Insta SAMUEL JONES LOYD, Esq., in the Chair.
STEWARDS.
did Sir William C. Ross, R.A.
A d Roberts, Esq., R.A. I. Edward Jones, Esq.
Zobert F. Abraham, Esq. • Charles F. Lambert, Esq.
deb' S. Cary, Esq. Charles Leveign, Esq.
Crowley, Esq., R.11.A. G. B. Lonsdale, Esq.
g„„_ UPton-Eddis, Esq. James 11. Mann, Esq.
P
Foss Esq
p,.... . anlbart, Esq: John Scott, Esq.
Robert Thorburn, Esq.
„;!1, Charles Ilardwicke, Esq. C. E. Wagstaff, Esq.
Dinner on Table at Six precisely. Tickets, 11. Is. each ; to be had
icyle Stewards ; of William Nicol, Esq., Honorary Secretary, GO,
tioo-iall ; and of the Assistant Secretary, 42, Great Russell-street,
----LnaburY. WILLIAM JOHN ROPER, Assistant Secretary.

SILVER FLAT HORIZONTAL WATCHES,
4, carefully finished, with engine-turned cases, jewelled in four
h,`", going barrel to continue the action of the Watch while wind-
leg' are offered, price 31. 10s. each. These elegant little
4:wiles will be
gi foundwi to performter very correetln
which they will , and a printed un-
ja ven,with fixed ms oalways
'•t„..ive any attention required.
4.- COX SAVORY and Co., Watchmakers. &c., 47, Cernhill,
seven doors from Oracechurch-street), London.—N.B. Second-kand
Fetches purchased in exchange.

DR. CULVERWELL on HEALTH, HAPPINESS, and
LONG LIFE.
In pocket volumes Is. each, by post (in stamps), Is. 6d. each.
II 0 W TO BE HAPPY.
" Jucunde Tivere."—Cic.
2.
WHAT to EAT, DRINK, and AVOID.
(With Diet-tables for all Complaints.)
3.
MARRIAGE and its MYSTERIES.
I, To be, or not to be, that Is the question."—Shakspeare.
4.
The PASSIONS—Their ADVENT and CONTROL.
" Cura ut vaims."
ijilese publications are free from empyrical mysticism, ant are
--red to the intelligence of the times.
had of Sherwood, 23, Paternoster-row ; Mann, 39, Corn-
..
ervalho, 147, Fleet-street ; and all Booksellers, or direct from
e Author, whose practice is exclusively devoted to home consulta-
nMornings till Three, and in the Evenings from Seven till Nine,
1, ArS le-place,
Regent-street.

ON THE SECRET I FIRMITIES OF YOUTH ANTI)
MATURITY.
Jai WITH TWENTY-FIVE COLOURED ENGRAVINGS.
Published, Twentieth Thousand, in a sealed envelope, price
Z 460. 64.,
from or post paid, to a
esny
idence.
address, for 3s. 6d. in Postage tamps
—ELF-PRESERVATION: A Medical Treatise
on lil the Secret Infirmities and Disorders of Youth and Matur;iy.
Pht?;,ra,ted with Twenty-fire Coloured Plates on the Anatomy.
es.tri_t°,agY, and Disease? of the Urinary and Reproductive Organs,
thrmuning their various structures, uses, and functions, and showing
eaeLllkinries that are produced in them, by solitary habits, and other
,7ea- With Practical Observations on the Treatment of Nervous
th "V, Local and Constitutional Weakness, and other diseases of
Urethra.
JAY SAMUEL LA.'3IERT, CONSULTING SURGEON,
k 9, Bedford-street, Bedford-square, London;
ember
Member of the University of Edinburgh, Honorary
40'„uer of the London Hospital Medical Society, Licentiate
b'ecarlefs' Hall, London. &c., &c.
CONTENTS OF TEE TREATISE.
Chs'l4 al. On the Philosophy of Marriage, with its Hindrance,
Chai....-"A„ lgations, and on Infelicitous and Unproductive Unions.—
Org-„ 1 11
-` 2. On tke Anamy and Physiology of the Generativ,
:•as, their ftinctions, structo turns, and secretions, proving that great
....6"tal and Physical Power are dependant upon their healthy action
n4PTEa 3. On Solitary Habits ; their various effects on tin
the
Economy concealed cause of Debility of the function,
hte"te Stomach, Lungs, and Brain, and general weakness of the
aton...tat Faculties. CRAFTEE 4. On the Secret Disorders of Tout:.
oaaturity, and the Treatment of Nervous and Local Weakness,
Debility, and Premature Decay.—Cnarrzita 5 and G. Or
oi„„Plsorderr arising from indiscriminate Excess, Gonaorhma
Strictures, and other Diseases of aie Urethra.
REVIEWS OP TILE WORK.
11,4 anthor of this singular and talented work is a legally quali-
the Laell cal man, who has zridently had considerable experience of
tragr Off early
the various disorders arising from the follies an
dit4,-`at, Of early indiscretion. The engravings are an invaluable ad.
act aiji; by (remonstrating the consequences of cesses, which mus'
Araki, a salutary warning to youth and maturity, and by its perusal
l_restions may be satisfactorily replied to, that admit no ap-
F'l;,. en to the most confidential friend."—Era.
tron, 'Vatted by the Author, and may be had at his residence; also
OTorf!.ent and Richards, 52, Paternoster-row; Hannay and Co., 63,
I.,ea,,,ilta:set. Stade, Tichborne-street, Quadrant; Gordon, 146
anft4:4182113-fietreokeete,ueLrson. don ; Newton, 16, Church-street, Liverpool
tiuome for Consultation daily, from Nine till Two, and from
faa 11311 t and all lettere immediately replied to, if containing
qv :11., tbr Milo% li,ce•-9 ZDIVISP-13TILEE Bzproa7
49.41)9A