The Sun.
London, England, 1847-03-29 00:00:00

NATIONAL LOAN FUND LIFE AS SU
RANCE SOCIETY.
OFFICE, 26, CORNfIILL, LONDON.
Capital 500,0001.
The Empowered by Act of Parliament.
systeml, 01 Deferred Annuities, originally proposed by the Na-
,„,__ an Fund Life Assurance Society, for the better advance-
-
e.4'% the objects of Benefit and Friendly Societies, having received
aPprobation of a considerable body cf the active members and
td eil Of those Institutions, and the Directors of the National Loan
society having been urgently solicited by them to establish a
cOffice in connexion with those Societies and the Operative
eiL7 generally, in which their services might be .successftelly en-
-7'4 a Committee has been sanctioned by the Directors to open
tee,;anication with the different Societies, with the view of more
2allY disseminating the valuable benefits amongst the incluse
—44 classes, and a plan has been proposed with that object.
ADDRESS OF THE COMMITTEE.
ban e Praiseworthy but ineffectual attempts have been made to
Within the scope and operation of the laws of mortality and
t7,17,3' the savings of the industrious classes, as well as various cal-
, "re regulating their distribution, having for their t.bject either
,:cdiate, contingent, or deferred benefits.
is„,_thght examination, however, will demonstrate that the con-
elf.tion of these associations or societies is defective; and that in-
isl4,,Of affording an easy access and a free choice of investment,
a',,l*l should be the privilege of every one, they confine too nar-
ked Y, the channel through which a benefit can alone be secured ;
beiedi proportion as their action is circumscribed and embarrassed,
To etility is limited. For example, it is not to every individual,
it,every class amongst the industrious community, that provision
tare of sickness is an object of such importance as to call for a
dsry sacrifice ; whre, to others such a provision appears more
tei'thre, and the loss of employment caused by sickness is a risk
ti'l!t, Which they desire to be guarded. For this anomalous state
• 6212gS there is an effective and simple remedy ; to say,
,7a of covering, by one weekly or annual payment, two or more
Iti'ngent or deferred benefits, so to arrange it that each separate
4-11 t shoulhave its separate co.
titls to not having observed thisntribution rule, and to the association of
o et
en... &similar functions, and by confounding a sick allowance and
be!anuity fund in one and the self-same payment, that much of the
sand mismanagement has arisen amongst Benefit Societies.
enNo mechanism can be so perfect for the management of a sick-
Ned provision as that afforded by the constant sectional asso-
aila and watchfulness of the several members composing it. By
tae but
a thorough and constant check is mutually exercised, and
`,ent the really sick are likely to become chargeable upon it.
eheaPs same perfection, or the same security, is seldom attainable
%ere a fund is to be accumulated through a succession of years,
4-I:nere results arc to bear out calculations, money investment
trnlshi general beyond the experience of the industrious classes.
mere
reasons it is clear that the fends destined for a provision in
vision
should be kept entirely distinct from the fund intended as a
for eat age
Because the laws of sickness and mortality, though apparently
lOseted, do not depend on the same calculation.
e,
Because there are a great number who, in order to secure a
Provision in old age
the a
ms re willing to take the risk of providing
Probable sicknoss on elves.
tint,dlli Because the responsibility of managing a provision for old age,
ed to a distant period is, in a great measure, incompatible
nth
ih,7 voluntary associations, fluctuating laws, and individual irre-
Ce,?ibility, and more exposed to a failure in the performance of
stelt a contract, that when undertaken on the same principles that
41larilye govern commercial bodies.
4a. Bexause the expenses of providing for sickness must, when
ej:ed in the same payment with provision for old age, tend to dimi-
Ca :till more this provision : nor is it wisdom or good policy to en-
r the'one for the sake of the other.
wTaPressed with these convictions, and with an intimate knowledge
ae discussions passing within the bosom of many of the existing
Co ndly and Benefit Societies, the parties whose names are here-
t7 attached, have had several meetings, with a view of proposing
iadopting
a remedy for those and other evils ; and in this manner
nerta ve an additional force to the principles of brotherhood, unity,
tetanal aid, on which friendly societies are based, by guarding
ai from the risks of sudden dissolution.
niftCr much diligent search amen ~st the combinations ingeniously
leas from time to tiara for the attainment of one of the principal
InZts of Friendly and Benefit Societies, they have found none equal
eePlicity and comprehensiveness of design, as well as forethought
bes'3.lbPather for the events of the industrious classes, as
•the plan
Posed by the National Loon Fund Life Assurance Society. It is
tee- diet the author of that plan has furnished an. argument agans
enniTiMen in sickness • but, without concurring in the immediatei ext -
itheeencY of abandoning' a provision in sickness, no one can read the
Peet of the plan itself, without being fully sa'isfled that the
ni,''renience and safety of Friendly and I.leneflt Societies will be
41044 secured and consulted, by separating the payment of a sick
'l'ance from an annuity for old ae,e.
FneedePutatiOn having waited on the directors of the National Loan
"'. Who met in the handsomest manner the overtures made to
hem
for the establishment of a separate °flecks for the transaction of
ilentn!ss connected with Friendly and Benefit Societies, and the in-
-Ititellt,cma classes in general, resolutions have been entered into, con-
tienilag the undersigned as a Committee, with power to add to its
texe7c, for the promulgation of the benefits contained in the an-
, set Prospectus, under she guarantee of the Capital of the Society,
ei„which, without interfering with the numerous objects connected
nth the institution of Benefit and Friendly Societies, will in their
S'aion
the -greatly enlarge their sphere of utility, and afford a protection
working classes in old age end adversity, which nothing up to
Present day has adequately secured' to them.
Thomas Burthom, P.C.R., Ancient Order of foresters,
Jahn Fussell, C.R„ Ancient Order of Foresters.
,
"e'lln H. Gordon, D.S. Ancient Order of Foresters.
'lames Hale, D.C.R., Ancient' Order of Foresters.
„.henry Hunt, P.G., Manchester Unity of Odd Fellows.
r°&'eph Nugent, Pro. C.S. Manchester Unity of Odd Fellows.
eph Reeks, 11.0. F., Order of Old Friends.
Samuel Tirnbrell, D.C.R., Ancient Order of Foresters.
DEFERRED AseS [TIES.
kteentaraPle.—.4. persos, aged 24 next birthday, by the, annual pay-
0t 2, °,,f 11. Gs., or quarterly payment of 70., or monthly payments
Nei' 44e may secure, on attaining the age of 60, the option c:f Fe-
-14,11 Annuity, 101. 19s. Id. ; Cash down, 1071. 3s. ; or a 1 olicy
Life, 1371. 17s.
tile;Example.—A person aged 26 next birthday, may secure, on at-
the the g ems of GO, an Annuity of 101., wit the other options, by
er annual a
ual paynt of 11. Gs. 93.. or a single payment of 221. 178. 3da
Ilte°B4 Payment of 6/. 14s. 3d. for disparity, he will be entitled to
or utile benefits by an annual payment of les. 11d., the same as
...age
etn2o
tee
leenePle.—A. person aged 30 next birthday, by the annual pay-
er 28. ?sr I/. 65., or suarterly payment of 70., or monthly payment
eteeh. zde may secure on attaining the age of 65, the option of re-
lit. „ Annuity, 181. Os. 4d. • cash down, 14e1. 12s. ; or a policy on
Vie 175/. 1
tee'nx‘aotnele.—A person aged 35 next birthday, by the annual pay-
or 2;' ! 11. Gs., or quarterly payment of 75., or monthly payment
caleal'de may secure, on attaining the age of 65, the option of re-
Annuity 181. Os. 4d • cash down, 1481. 12s. ; or a policy on
life, 1751. 11. s.

LIFE ASSURX.NCE.
Lae „:"Pta.—A parson at the age of 30 next birthday may secure
%own' Of 1001. payable at his death, whenever it may happen, and
jartieipate in the Annual Division of Prollt3, by the annual pay-
of 2/. Os. 3d.
etrilrle.—A person at the age of 25 next birthday, by the pay-
-112i.,°L 4s. per month, or Is. per week, may secure the surn of
8. PaYah7e at his death. whenever it may happen, and like-
share in the annual profits of the Society.
F. FERGUSON C OIROUX, Secretary.

ANAL LOAN FUND LIFE ASSUR-
ANCE SOCIETY.
26 CORNIIILL, LONDON.
Capital X 500,000.
Empowered by Act of Parliament.
1111, In ti s tuft°. embraces nnportant and substantial advantages
rwith respect to Life Awsuranees and Deferred .A.stnuities. The assuredb4; on all occasions, the power to borrow, without expense or for-
'there of the Policy, two-thirds of the premiums paid (see Table) ;
!ISO the option of selecting benefits, and the conversion of his in.
'crests to meet other conveniences or necessity.
43surances for terms of years ate
net.

lowest possible

DIVISION OF PROFITS.
The remarkable ,access and increasing prosperity of the Society
'as enoled the Directors, at the last annual investigation, to declare
,s
..."3tll bonus, varying from 35 to 85 per cent. on the premiums paid
...each Policy effected on the Profit scale.
EXAMPLES

g
4
Bonus Bonus in g 8 Assured
added.. Cash. may
Borrow.
. o

1g Premium.

1 4 4s. d.
I°oo 3 4

1837
1838
1839
1810
1841

15 1 £lOO 011'£16 0 41
192 3 0 87 1 4i 13 10
165 11 10, 74 1 91 11 3 11
116 7 6, 54 010, 718 10!
111 6 /3 49 10 01 710 41

£445 0 0
395 11 1
346 2 3
296 13 4
247 4 5

vision of profits is annual, and the next will be made in
December of the present year.
F. FERGUSON CAISCROLTX, Secretary.

LAW LIFE ASSURANCE OFFICE, Fleet-
street, next St. Dunstan's Church, March 12, 1847.
~;1-otice is here given, that the BOOKS TRANSFERRINnu•ARES in thisby SOCIETY will be CLOSED onfor THURSDAY, the 25th
ant,
and will be RE-OPENED on THURSDAY, the Bth day of
Pril next.
b?he DIVIDENDS for the year 1846 will be Payable on
THURs S •
the Bth day of April next, or on any subsequent day (Tuesday'
-4cePted), between the Hours of Ten and Three o'clock.
By order of the Directors,
GEORGE KIRKPATRICK, Actuary.

IMPERIAL LIFE IN
CORNIIILI

S---7---U-IZ,NNCE COMPANY,
LONDON..

~,,___
DIRECTORS.
HENRY JAMES PRESCOTT, Esq., Chairman.
Danie 1
GEORGE FIELD, Esq., Deputy Chairman.
dames C. C. Bell. Esq. l Mildred, Esq.
Michael Bland, Esq. James G. Murdoch, Esq.
Charles Francis Cobb, Esq. John Horsley Palmer, Esq.
Andrew Colvile, Esq. Henry Pearce, Esq.
George Henry Cutler, Esq. George Reid, Esq.
George Hibbert, Esq. William R. Robinson, Esq.
Thos. Newman Hunt, Esq. Newman Smith, Esq.
ttfOU'lt-FIFTIIS, or SO per Cent., of the PROFITS will be as-
tred to policies every fifth year, and may be applied to increase the
, insured, to an immediate payment in cash, or to the reduction
~„T
in'ilt ultimate extinction of future premiums, as shown in the f0110w-
,6 examp
b' le :
WITS to POLICIES of 25 YEARS STANDING, entitled to
....._____ participate in the Bonus declared in 1846.
, _

Ago 1 Cashpaid on Or Prem. And an-
:Sum Annual Bonus surrender reduced nual re-
rY• Insured. Premium. added. of Bonus. to. turn of.
............,
\
--- -_---
£ Ls. d. £s.d.\£s. d. L s. d.l£ s. d.
L 5 1000 19 510 451 5 0 174 12 31869," •• ••
V., 1000 21 15 10 451 50t 193 12 21815 0' ••••••
",,,,s3 1000 26 14 2 451 501 236 18 71710 5 • .....
~"n 1000 33 19 2 451 5 120 284 0 6 49 8 ••••••
',,' 1000 45 6 8 451 5 0 ?.35 911 .••••• 419 4
"/ 1000 16313 4 451 501 384 12 5 ••
.. 136 10 6
. - - .- -...siata ptiected at reduced

Insurances wi
rates.

"ithout participation in profits effected at redo

Prospectuses,
11OW given by t
above; at the B:

and an explanatory statement of other advantages
this Company, may be had at the Chief Offices as
;ranch Office, 16, Pall-ll ; or of the AgeActn.
SAMUEL INGALL, ts
uary.

LEGAL and COMMERCIAL FIRE
ASSURANCE SOCIETY.
This Society is now receiving Proposals at its new Offices, No. 73,
'ue.Pside.

J. C. HARDY, Secretary,

FIRE INSURANCES OF EVERY DESCRIPTION ARE
UNDERTAKEN BY THE
SCOTTISH UNION INSURANCE COM-
PANY, 37 Cornhill, London, en the most liberal terms and
conditions.
Special
risks reasonably rated.
Renewal receipts for insurances falling due at Lady-day are now
teady.
Printed particulars of the large bonus just declared in the L'fc
"ePartment may be had. on application.
F. G. SMITH, Secretary.
37, Cornhill, London

CONCEALED CAUSE THAT PREYS ON' THE
LALTa AND SHORTENS THE DURATION OF HUMAN
4FEE.

ILLUSTRATED WITH COLOURED ENGRAVINGS,
JUSt Published, in a Sealed Envelope, price 25. 6d., er free
by post, 3s. 6d•
CONTROUL OF THE PASSIONS : a Popular
Inquiry into the Concealed Cause of its premature Decline ,
Ivail'crth Instructions for its Ccmplete Restoration. Addressed to those
front the destructive consequences of
excessive indulgencal
e,
",inating in Mental and Nervous Debility, Local or Constitution
Weakness,st Indigest'on , and Consumption. Including a comprehen-
tie Dissertation on MARRIAGE, Incontinence, and Celibacy.
Witrated with Coloured Engravings, explanatory of the various
•-•aseß &
C• d.cLUCAS and Co., Consulting Surgeons, No. 60, Newman-
street, Oxford-street, London.
Member of the London College of Medicine, &c. Sic,
CONTENTS OF TIIE WORK,
Ch,ap 1. —Bodily and Mental Exhaustion induced by inordinate
.'icilLitgenee of the Passions, illustrated with Coloured Engravings.
e 2.—Banehil Results of a Secret Vice on the Mind and Body,
evidenced in the production of Consumption, Epilepsy, and other
t'li'Ulsive diseases, Insanity, Idlosy, moping Melancholy, Indiges-
g,, Stricture, Impotence, and Sterility, with Observations on the
tics of Married Life, and on the unhappiness caused by Unfruitful
Unions. Chap. 3.—Debility and Exhaustion of the principal Vital
illnetions, the nature and treatment of Impotence and Sterility, and
ot.ehnPerfect performance of the Marital act, caused by the practice
tie.e lf-indulgence. Chap. 4.—Gonorrhoea, its symptoms, complica-
ins and treatment, Gleer, Stricture, and disease of the Pr3state.
"
an 6---syphilis, and its attendant maladies and treatment. Cases,
concluding observations, Plates, &c.
of2old by Brittain, 11, Paternoster-rowll6, Leadenhall-
`et ; Hannay and Co., 63, Oxtord-street ; Noble, 114, Chancery-
lane;n Mansell, 115, Fleet-street; Wlnhal, 78, High-street, Bir-
-54, gham; Whitmore, 119, Market-street, Manchester ; Howell,
tdi_.Church-street, Liverpool; Robinson, 11, Greenside street,
Edinburgh ; Powell, 10, Westimoreland-street, Dublin ; and all
Booksellers.
Persons desirous of obtaining the above work, and not wishing to
apply to a bookseller for the same, may, to insure secrecy, have it
direct,s from the Authors, by enclosing 3s. Gil., or Postage Stamps.
Ale
rs. Lucas and Co. are to be consnited from Ten till Two, and
from
Five till Eight in the evening, at their residence, No. 60,
__
4,`7 an-street, Oxford-street, London, and country patients may
successfully treated, on minutely desalting their case, and enclos-
"'g usual fee of lit for advice.