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

NATIONAL LOAN FUND LIFE ASSU
RANCE SOCIETY.
OFFICE, 26, CORNHILL, LONDON. •
Capital 500,0001.
Empowered by Act of Parliainent
The system of Deferred Annuities, originally proposed by the Na-
tional Loan Fund Life Assurance Society, for the better advance-
nrient of the objects of Benefit and Friendly Societies, having received
the approbation of a considerable body c f the active members and
officers of those Institutions, and the Directors of the Natioual Loan
Fund Society having been urgently solicited by them to establish a
Branch 0111ce in connexion with those Societies and the Operative
Classes generally, in which e'neir services might be successfully en-
gaged, a Committee has
ODMmunleation with 'he 'oeen sanctioxed by the Directors to open
different Societies, with the view of more
ag et us lly d ssemini4ing
the valuable benefits amengst the Indus-
! dons classes, era a plan has been eroposed with that object.
• ADDRESS OF THE COMMITTEE.
Many r- —a
,aealieWorthy but ineffectual attempts have been made to
bring '.etthin the scope and operation of the laws of mot tality and
Morey the savings of the Indust nous clasees, as well as various cal-
Vsdations regulatiag their distributon, having for their idect either
immediate, contingent, or del; treddeneits.
la slight examination, however, will demonstrate that the con-
etrnetion of these ass, ciatioes 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-
Xowly the channel thremeh which a benefit can alane be secured;
and, in proportion as their action is circumscribed and embarrassed,
their utility is limited. For example, it is not to every individuel,
or to every class amongst the industrious community, that provision
in case of sickness is an object of such importance as to call for a
pecuniary sacrifice ; whfe 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 gnarled. Fur this anemalous state
of things there is an effective and simple remedy : that Is to say,
instead of covering, by one weekly oteennual payment. two or snore
seontingent or deferred benefits, so to at mime it that each separate
benefit should have its separate contribution.
It is to not having observed this rule, and to the ass- elation of
two dissimilar funations, and by confounding a sick allowance and
an annuity fund in one and the selt•-same payment, that much of the
'evils and mismanagement has arisen amongst lleaerit Societies.
No mechanism can be so perfect for the management of a sick -
'ress-fund provision as that afforded by the constant sectional asso-
ciation and watchfulness of the several members composing it By
thle means a thorough and constant check is mutually • xereised, and
•xione but the really sick are likely to become ehar•geable upon it.
But the same perfection, or the same se iurity, is seldom attainable'
where a fund is to be accumulated through a succession of years,
and where results are to bear oat calculations, money investment
being in general beyond the experience of the industrious classes.
For these reasons it. is clear that the fends destined for a provision in
sickness should be 'kept entirely distinct Irons the f ind intended as a
provision for old age :-
Ist Beestiase the laws of sickness and mortality, though apparently
connected, do not depend on the same calculation.
2d. tecause 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.
Iht. Because the responsibility of managing a provision for old age,
corittened to a distant period is, in a great measure, incompatible
with voluntary associations, fluctuating laws, and indivelual irre-
sponsibility, and more exposed to a failure in the performance of
each a contract, that when undertaken on the same principles that
ordinarily govern commercial bodie .
4th. Because the expenses of providing for Maness must, when
malted In the same payment with provision for old age, tend to dimi-
nish still mnre 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-
antto 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 prificip'es of brotherhood, unity,
and mutual aid, on which friendly societies are based, by guarding
them from the ricks of sudden dissolution.
After much diligent search anion:at the combinations ingeniously
proposed from time to time for the attainment of one of the principal
• objects of Friendly and Benefit Societies, they have found none equal
In simplicity and comprehensiveness of design, as well as forethought
a and sympathy for the wants of the industrious classes, as the plan
Proposed by the National Losn Fund Life Assurance Society. It is
tent 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
other part of the plan itself, without being fully sa'isted that the
conveivences.. and safety of Friendly and Benefit Societies will be
. greatly secured and consulted, by separating the payment of a sick
allowance from an annuity for old age.
A deputation having waited on the directors of the National Loan
Band. who met in the handsomest manner the overtures made to
them for the establishment of a separate oltce for the transaction of
business connected with Friendly and Benefit Societies, and the in-
dustrious classes in general, resolutions have been entered into, con-
stituting the undersigned as a Committee, with power to add to its
number, for the promelgation of the benefits contained in the an-
nexed 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
opinion greatly enlarge their sphere of utility, and afford a protection
to Pee working classes in old age and adversity, which nothing up to
the present day has adequately secured to them.
• Themes 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.
Jo eph Nagent. Pro. C.S., Manchester Unity of Odd Fellows.
Joseph Iteeks, 8.0. F.. Order of Old Friends.
Samuel Timbrell, D.C.R., Ancient Order of Foresters.
DEFERRED ANNUL PIES.
Example.—A person aged 24 next birthday, by the annual pay-
anent of ii. Gs., or quarterly payment of 75., or monthly payments
.of 2s. 2d., may secure, on attaining the age of 60, the option of re-
ceiving Annuity, 101. 19s. 2d. ; Cash down, 1071. 3s. ; or a Policy
on his Life, 1371. 17s.
Example.—A person aged 26 next birthday, may secure, on at-
taining the age of GO, an Annuity of 101., with the other options, by
the animal payment of I/. 6s. 91„ or a single payment of 22/. 175.31;
er on payment of 61. 14s. 2d. for disparity, he will be entitled to
the same benefits by an annual payment of 18s. I ld., the same as
Tor age 20.
Example.—A. person aged 30 next birthday, by the annual Pay-
stout of 11. 65., or quarterly payment of 75., or monthly payment
of 2s. Id. may secure on attaining the age_of 65, the option of re-
eetvillh Annuity, 181. Os. 4d.; cash down, 1481. 12s. ; or a policy on
• kis life 1751. I Is.
Example.—A person aged 35 next birthday, by the annual pay-
. Ment of 11. Gs., or quarterly payment of 75., or monthly payment
Of 2s. 23.. may secure, on attaining the age of 65, the option of re-
ceiving Annuity, 181.0 s. 43. ; cash down, 1481. 12s. ; or a policy on
his life, 1751. 1 ls.

LIFE ASSITTL tNCE.
Example.—A person at the azo of 30 next birthday may secure
lip sum of 1001. payable at his death, whenever it may happen, and
.44° Participate in the Annual Division 4 Profit;, by the annual pay-
Trient of 2/. 9s. 34.
meljtamPle.—A person at the age of 25 next Vrthday, by the pay-
liltof 4s. per month, or Is. per %leek, may sacure the sum of
also Payab'e at nis death. whenever it may happen, and like-
snare in the annual profits of the Society.
F. FERGUSON C 31ROUX, Secretary.

NATIONAL „O AN et) N LIFE
A N-CE SOCIETY.
26 CORNIIILL, LONDON.
Capital .£.500,000.
Empowered by Act of Parliament.
This Institution embraces important and substantial advantages
With respect to Life Assurances and Deferred Annuities. The assured
bas, on all occasions, the power to borrow, without expense or for-
feiture of the Policy, two-thirds of the premiums paid (see Table) ;
also the option of selecting benefits, and the conversion of his in-
erects to meet other conveniences or necessity.
Assurances for terms of years are
ates.

lowest possible

DIVISION OF PROFITS.
The remarkable success and Increasing prosperity of the Society
has enabled the Directors, at the last annual investigation, to declare
a tcurth bonus, varying from 35 to 85 per cent. on the premiums paid
on each Policy effected on the Profit scale.
EXAMPLES.

7 R7l
"4 Ponns Bonus In pg' ° g Assurel
t' ; Premium. g adder! Cash. r- a••• 0' may
c 3 ... -,
p. rg Li orTo N.
I
r 11883837 £217192 153
01 £lOO 0 114 X 1163
100
24343.545
110 01
£ £s. d.
700 34 I 1:3409 165 II 111 160 74
54
01 a
10' 14
183 1011 2963 1: 34
l 1841 111 6 8 '4910 0 710 41 247 4 5

The division of profits is annual, and the next will he made In
December of the present year.
F. FERGUSON CAMROUX. Secretary.

LAW LIFE ASSURANCE OFFICE, Fleet-
street, next St. Dunstan's Church, March 12, 1847.
Notice is hereby given, that the BOOKS for TRANSFERRING
SHARES iii this SOCIETY will bit CLOSED on Tnuasnar, the 25th
Instant, and will be RE-OP:';NEI) on Tacasimy, the Bth day of
Apiil next.
The DIVIDENDS for the year 1846 will be Payable on TIMIS •
DAY, the Bth day of April nest, or on any subsequent day (Tuesday's
excepted), between the Hours of Ten and Three o'clock.
By order of the Directors,
GEORGE KIRKPATRICK, Actuary.

IMPERIAL LIFE INSURANCE COMPANY,
CORNHILL, LONDON.
DIRECTORS.
HENRY JAMES PRESCOTT, Esq., Chairman.
GEORGE FIELD, Esq., Deputy Chairman.
James C. C. Bell, Esq. Daniel Mildred, Esq.
Michael Bland, Esq. James G. Murdoch, Esq.
Charles Francis Cobb, Esq. John Horsley Palmer, Esq.
Andrew Colvile, Esq. Henry Pearse, Esq.
George Henry Cutler, Esq. George Reid, Esq.
George Hibbert, Esq. William It. Robinson, Esq.
Thos. Newman Hunt, Esq. Newman Smith, Esq.
FOUR-FIFTHS, or 80 per Cent., of the PROFITS will be as-
signed to policies every fifth year, and may be applied to increase the
Cam insured, to an immediate payment in cash, or to the reduction
and ultimate extinction of future premiums, as shown in the follow-
ing example:—
tROFITS to POLICIES of 25 YEARS STANDING, entitled to
participate in the Bonus declared in 1846.

Age Cash paid on Or Prem. And an-
at I Sum Annual Bonus surrender reduced nual re-
*WT. Insured. Premium. added. of Bonus. to. turn of.
-------
£ s. d. s. d. s. d. s. d. s. d.
16 1000 19 510 451 b 0 174 12 3 869.• .• ••
20 1000 21 15 10 451 5 0 193 12 2'B 15 0 ••
30 1001 26 14 2 451 5 0 236 18 7 711 5
40 1000 33 19 2 451 5 0 284 0 6 49 8 ••••••
50 1000 45 6 8 451 5 0 35 911 ' •• .. 419 4
60 1000 63 13 4 451 50, 384 12 5 ' •....36 10 6

Insurances without participation la profits effected at reduced
rates.
Prospectuses, and an explanatory statement of other advantages
now given by this Company. may be had at the Chef Offices as
above; at the Branch Office. 16. Pall-mall; or of the Agents.
SAMUEL INGAI.L, Actuary.

LEGAL and COMMERCIAL FIRE
ASSURANCE SOCIETY.
This Society is now receiving Proposals at its new Offices, No. 73,
Cheapside.
J. C. HARDY, Secretary.

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

ON THE CONCEALED CAUSE THAT ',REVS ON THE
HEALTH AND SHORTENS THE DURATION OF HUMAN
LIFE.

ILLUSTRATED WITH COLOURED
ZINGS,,ENGRAV,
Just Published, in a Sealed Envelope, price or free
by post, 3s. 6d.
CONTROUL OF THE PASSIONS: a Popular
Inquiry into the Concealed Cause of its premature Decline,
With instructions for its Ccmplete Restoration. Addressed to those
suffering from the destructive consequences of excessive indulgence,
terminating in Mental and Nervous Debility, Local or Constitutional
weakness, Indigeston , and Consumption. Including a comprehen-
sive Dissertation on MARRIAGE, Incontinence, and Celibacy.
Illustrated with Coloured Engravings, explanatory of the various
Cases, &c.
BY C. J. LUCAS and Co.. Consulting Surgeons, No. 60, Newman-
street, Oxford-street, London.
Member of the London College of Medicine, &c.
CONTENTS OF THE WORE,
Chap. L.—Bodily and Mental Exhaustion induced by inordinate
Indulgence of the Passions, illustrated with Coloured Engravings.
Chap. 2.—Baneful Results of a Secret Vice on the Mind and Body,
evidenced in the production of Consumption, Epilepsy, and other
convulsive diseases, Insanity, Idiocy, moping Melancholy, Indiges-
tion, Stricture, Impotence, and Sterility, with Observations on the
Duties of Married Life, and on the unhappiness caused by Unfruitful
Unions. Chap. 3.—Debility and Exhaustion of the principal Vital
unctions, the nature and treatment of Impotence ant Sterility, and
the imperfect performance of the Marital act, caused by the practice
of self-indulgence. Chap. 4.—Gonorrta, its symptoms, complica-
tens and treatment, Gleet, Stricture, and disease of the Prastate.
Chap.
s.—yphilis, and its attendant maladies and treatment. Cases,
and concluding observations, Plates, &c.
Sold by Brittain, 11, Paternoster-row ; (lord nn, 116, Leaclenhall-
street ; Hannay and t 0., 63, Oxford-street; Noble, 114, Chancery-
lane • Mansell,
115, Fleet-street; Wlnhal, 78, High-street, Bir-
nsgham; Whitmore, 119, Market-street, Manchester ; Howell,
51, Church-street, Liverpool; Robinson, 11, Greenside street,
Edinburgh ; Powell, 10, Westmoreland-street, Dublin ; and all
Booksellers.
Persons desirotts of obtaining the above work, and ndt wishing to
apply to a bookseller for the same, may, to hisure secrecy, have it
direct from the Authors, by enclosing 2.5. 6d., or Postage Stamps. _
Me..rs. Lucas. and Co. are to lie consult(' 1 fr,ul Ten 011 Twc., and
from_eyrinaklve till Eight lu the evening, at weir iusidate,,
succerns
-bay treated,ba street,oxlbrl-street, London, and country patients may
u2O
usual
fee
ofmil:con
admizete.ly describing their case, and enclos-
ing