The Sun.
London, England, 1847-05-14 00:00:00

NATIONAL LOAN FUND LIFE
ASSURANCE SOCIETY.
26, CORNIIILL, LONDON.
. it res
Capital X 500,000. Empowered by Act of Parliament.
wT h his Institution embraces important and substantial advantages
Peet to life assurances and deferred annuities. The assured
/..Ir, n
all occasions, the power to borrow, tviihout expense or for-
te ture of the policy, two•thirds of the premiums paid (see Table);
f.tlso the option of selecting benefits, and the conversion of his in-
terests to meet other conveniencies or necessity.
Assurances for terms of years on the lowest possible rates.
DIVISION OF PROFITS.
. The increasing prosperity of the Society has enabled the s
bonne annual meeting held on the 12th May, 1847, to declare a fit' th
..._, varying from 35 to 85 per cent, ou the police'
effected on the profit scale. premiums paid on each
EXAMPLES.
"Th"-------

Age. 'lt Annual ?Policy Perma- Sum the
Bonus In
nent Ito- Assured
Pre- taken addition Bonus In duction of May her-
-7t °0 inium• out 11 to 5,,"--,,,, Cash. Annual row on
-......._ I Assured.
Premiums. Podey.
-------------
£ s. d.I A a d. £ s. d. £ s. d.
f 1837 243 9 3 112 8 5 18 4 6 494 6 10
60 ,E 'Xs.d. 1838 218 4 899 81015 13 5 445 0 0
'40174 3 4 1839 192 110 86 9 3 13 . 4 9 395 11 1
I 1840 143 5 101 66 8 4 919 1 346 2 3
I 1841 133 14 2' 61 17 6 9 9 2 296 13 4
I ~,---....1.7L l 1842 111 68i49 10 0 710 4 247 4 5

The Alinuai Report„ wit
Zr
e:;~
ud aoctuyPont
tarpezneli

:11 tables of rates, &c., may be had at the
tes in the country ; or, on application, will

FERGUSON CAAIROUX, Secretary.

NATIONAL LOAN FUND LIFE ASSU
RANCE SIETY.
OFFICE, 26, CORNHOCILL, LONDON.
Capital 500,0001.
Empowered by Act of Parliament.
907.11 b,„? Snitch) of Deferred Annuities, originally proposed by the Na-
s.,_-4, of
Fund Life Assurance Society, for the better advance-
trot Of the objects of Benefit and Friendly Societies, having received
.4
eeaPProbation of a considerable body cf the active members and
Farads of those Institutions, and the Directors of the National LORA
Re B°rletY having been urgently solicited by them to establish a
~ anch Office in connexion with those Societies and the Operative
effrnectusT4lti
.."tBa9s generally, in which their services might be successfully en-
"god, a Committee has been sanctioned by the Directors to open
ore
iisognetnwittithattthne different S'scleties with the view of m
theervaluable benefits amongst the indus-
tri°"
elaases, and a plagn has been proposed with that object.
Alen ADDRESS OF THE COMMITTEE.
ht.l y Praiseworthy but ineffectual attempts have been made to
b, ng within the scope and operation of the laws of mortality air.
--°oeY the savings of the industrious classes, as well as variousitchaer
Ztett_ tenons contingents
--"'"'ating their distribution, having for their object e
iolantso'f contingent, or deferred benefits.
mead
.... these
~.". slight exanfiration however, will demonstrstte that the coin-
.assedations or societies is defective; and that n-
, ~,h,,,, o, effording an easy access and a free choice of investment,
. t.o '`-'-- le e privilege of e a
very one, ty confi too liar:
an; ir th. ouq%d
anb nelth through which benefit can alone bene secured;
thdri-ProPorf ion as their action is circumscribe tonend embarrassed,
arerttriste of sickness
',flinty is limited. For mple, it is not very individual u .._„„ry class amongst the industrious community, that pi:ovifo
is an object of such importance as to call fore
fall' sacrifice ; while to others such a provision appears more
anetive, and the loss of employment caused by sickness Is a risk
of which they desire to be guarded. For this anomalous state
11,84eing, there is an effective and simple remedy ; that is to say,
eentia4 rn' covering, by one weekly or annual payment, taro or
separate
benefliT or deferred benefits, so to arrange it that each p
It I. •ho have its separate contribution.
two dissimilar 1 having observed this rule, and to the associatioia of an
an htuctions and by confounding A sick allowance an,
leeev„.°!!tY fund in one and the self-same payment, that much of the
nt„," Mismanagement has arisen amongst Benefit Societies. I
k.
''"fl-fue:,eh
etet• -- Provisin
anises can be so perfect for the management of a s c
1 members composing it. By
lone.,., , n as that afforded by the constant sectional nano-
this me ov, atchfulness of the severe
Bute t-aos a thorough and constant check is mutually exercised, atilt!
thUt the really sick are likely to become chargeable upon
*here : 'ante Perfection, or the same security, is seldom attainable
,and ithellcl is to he accumulated through a succession of years,
Iseit
th- n,,, re r
genera; ,esul ts are to bear oat calculations, money investment
beyond the experience of the industrions classes.
aickne:te. sressons it is clear that the fluids destined for a provision in
Proew • should be kept entirely distinct from the fund intended as a
rel for cad .
St. tte_ • age.—
eennte„.:ause the laws of sickness and mortality, though apparently
2d, ir do not pend on the same calculation.
las ccanse there h in order to secure a
ger r,r,,,,„ are a great number w o,
fbe pr,
_.. 19n in old age are willing to take the risk of providing
3d•
f;caeie at on themselves.
eeritinue,r,"e the responsibility of managing a provision for old age,
With t.eit
ntt, a distant period is, in a great measure, incompatible
aPonsihth: ar7 associations, fluctuating laws, and individual irre-
erdinaril"yntract
flitch a c Y, and more exposed to a failure in the performance of
, that when undertake* on the same principles that
4th, it,.°vern commercial bodie,.
netted in
nvthause the expenses of providing for sickness must, whent
'Ungerll mores Payment with provision for old age, tend to d
one for the sake of the other.
the . provision : nor 15 it wisdom or good policy to en"
olDreued
of the (iiseu_ with these convictions, and with an intimate knowledge
lndly eha'slirs passing within the bosom of many of the existingh
Mite Attach enent Societies, the parties whose names are cre-
or adeptinged, have had several meetings, with a view of proposing
and Mutual
give an 4 jetnedy for those and other evils ; and in this manner
, itional force to the principles of brotherhood, unity,
them tt.,,,,_
Chid' on which friendly societies are based, by guarding
Her ml ertsks of sudden dissolution.
Proper,rtech eldtgent search amon;st the combinations ingeniously
object.
_.!- in time to time for the attainment of one of the principal
eitt;_l,r trendy and Benefit Societies, they have found none equal
and ~,Zt_ty
Ecomprehensiveness of design, as well as forethought
eyed'7 11 for the wants of the industrious classes, as the plan
tig)3-th National Loan Fund Life Assurance Society. It is
•• e, abandonin . . •
Prcsist, , author of that plan has furnished an argument against
Pediene,.. .' sickness; but, without concurring in the immediate the
Part of tit, g a provision in sickness, no one can read the
ceneenene, Plan itself, without being fully satisfied that the
greatly secured
and safety of Friendly and lienefit Societies will be
mow_ _ red and consulted, by separating the payment of a sick
..,„ d'eueuet.,llr2m an annuity for old age.
1•11nd, t.,,,,, "allaying waited on the directors of the National Loan
the, t...„.,cniet in the handsomest manner the overtures made to
busteem;
c'_d_ establishment of a separate °face for the transaction of
duBtriou.
connected with Friendly and Benefit Societies, and the in-
etituting thia3B" In general, resolutions have been entered into, eon-
benther,
fore undersigned as a Committee, with power to add to its
4eted ores the promulgation of the benefits contained in the an-
itad ~_ Peetus, under the guarantee of the Capital of the Society,
Veith t_''P, without Interfering with the numerous objects connected
ophti,le Institution of Benefit and Friendly Societies, will in their
to til"," greatly enlarge Work()) their sphere of utility, and afford a protection
lite Preseht a g classes in old age and adversity, which nothing up to
Thent, ~y has adequately secured to them.
John ,:,' Iltirthom P.C.R., Ancient Order of Foresters.
John Lessen, C.R„ Ancient Order of Foresters.
aarn:i,Clortion. D.& Ancient Order of Foresters.
/1, eney It'ale? D.O R 'Ancient Order of Foresters. •
eotem Vint, P. 0.., •itanehester Unity of Odd Fellows.
Joseph Vgent, Pro. C.S., Manchester Unity of Odd Fellows.
Sarn eeko, 8.0. F. Order of Old Friends.
ftel.y;—,
-(Loren, D.d.R., Ancient Order of Foresters.
Example . DEFERRED ANNUITIES.
e 2
Cl---,. '2', Penson aged 24 next birt,iwy,...---, ,-,s
Of 24. 24 ::. 'LI or quarterly payment of 75., or motnlthls:asmofenret-
eekin
,• May secure, on attaining the ace of 6P,_gl e option 00 hi.gr,"„nnuity, 101. 19s. 2d. ; Cash down, 1071. a . ; or a Policy
btarnlc 13'1,1.
el2s..
age
d 26 next birthday, may
14,,IninC he person aged sO next birthday, may sesisre, on at-
the age ot GO an Anauity of 10/., with the options,other2l7. by.
-"c Annualge
payment° ef 11.65. 9,1.. sr a single payment of 221. 1 . 3dt„
et on benefits of 61. annual for disparity, he will be entat ed 0
the same by an payment of Ile. I Id., the sante as
or age 20.
Example.—A. person aged 30 next birthday, by the annual pay-
meet of 11. 65., or quarterly payment of 75., or monthly payment
of 2s. 2d., may secure on attaining tile age of 65, the option of n
re-
ceiving Annuity, M. Os. 4d.; cash down, 1481. 12$. ; er a policy o
Ma life 1751. 1 is.

Example.—A person aged 25 next birthday, by the annual pay-
blunt of It. 6a., or quarterly payment of 75., or monthly payment
f 2s. 2d. may secure, on attaining the age of 65, the option of re-
,.eetving Annuity, 181. Os. 4d. ; cash down, 1481. 12s. ; or a policy oi
4111 life, 1761. Us.

LIFE ASSURANCE.
rample.—A person at the age of 30 next birthday may secure
,no Inn n of 1001. payable at his death, whenever it may happen, and
".._0 Participate in the Annual Division of Frani, by the annual pay-
ment of 21. Ss. 3d.
Example.—A person at the age of 2.5 next birthday, by the pay-
Tent of 4s. per month, or Is. per week, may secure the sum of
1121.55. payable at his death, whenever it may happen, and like-
/ti3o share In the annual profits of the Society.
F. FERGUSON CAKROUX, Secretary.

IEtRITANNIA LIFE ASSURANCE
COMPANY.
1, Princes-street, Bank, London.
Empowered by special Act of Parliament, 4th Viet., cap. 9.
ADVANTAGES OF THIS INSTITUTION.
MUTUAL AMIZANCE SEANCE.
Complete security afforded to the Assured by means of an ample
Zi 4,oribed capital, and the large hind accumulated from the pre-
tlls on upwards of 6,000 policies.
llalf the amount only of the annual premium required during the
"rat fivebrt Years, the remaining half premiums being paid out of the
-444 r.
which, after five years, will be annually divided among the
ed.

PROPRIETARY BRANCH.
11°,10west rates consistent with security to the Assured.
liaPmereasing scale of premiums, peculiarly adapted to cases where
cts are effected for the purpose of securing loans or debts.
mnon,7trlt rates of premium, whereby credit is given for half the
tharge t,°„' Premium for seven years, to be then paid off, or remain a
',°ll the policy, at the option of the holder.
dranic rteziums
EXrTe4IACecTfoFrRaitOMAssTIuIE TABLES.
ranee of 1001. for the whole
Ilerm of Life.

IPTAyA, .
------____:=4 ASSURANCE BRANCH. PROPRIETART BRANCH.
I ..
An.
,f.i,,alf pre. Whole Pre- Half Pre• 1 Whole Pre-
,.'"dim, first nfitnn, after Age. mlum, first
ayt
•-•...._, Years. nye years. seven years. seven Tears.
----........_
20 £IL d. £s. d. £s. d. Xs. d.
25 .1 0 0 20 0 20 018 0 116 0
30 i 2 2 24 4 25 019 7 F 119 2
34 1 411 29 10 30 1 1 9 1 23 6
10 I 8 6 217 0 35 1 411 29 10
45 113 3 36 6 40 I 9 2 218 4
by 119 6 319 0 45 114 10 89 8
45 27 9 415 6 50 22 6 45 0
—............ 2IS 10 517 8 55 212 9 5 b 6
..._ PET.EIt MORRISON, Resident Director.

CLERICAL, MEDICAL, and GENERAL
LIFE ASSURANCE SOCIETY.
111 addition to Assurances on Healthy Lives, this Society continues
t 0 grant Policies on the Lives of rersons subject to Gout, Asthma,.l
Attpture, and other diseases, on the payment of a Premium pro-
portioned to the increased risk. The plan of granting kssurances on
unhealthy lives, originated with this office in the beginning of 1824.
Every description of Assurance may be effected with this society,
tnd Polices are granted on the Lives of Persons in any station, and
of every age.

BONUSES.
The two first Divisions averaged 221. per cent. on the premiums
„
; the third 281. per cent. The fourth bonus, declared Jan. 1847.
0-7,laged rather more than 361. per cent., and from the large amount
11,:rrolit reserved for future appropriation and other causes, the
Vusee hereafter are expected considerably to exceed that amount.
ables of Rates, with a tall Report (recently printed) can be oh.
fined of the Society's Agents, or by addressing a letter to
GEO. H. PINCKARD, Actuary,
Xo. 78, Great Russell-street, Bloombury. London.

N oRTH BRITISH INSURANCE COM-
PANY.
LonXstabilshed in 1809, and Incorporated by Royal Charter.
vmases-4, New Bank-buildings, City, and 10, Pall-mall
East, London.
:Chief Office-64, Princes-street, Edinburgh.
l'ltts h., Capital, 1,000,0001., fully subscribed.
GRACE THE DUKE OF SUTHERLAND, K.G.
LONDON BOARD.
&L •
, PETER LAURIE, Alderman, Chairman.
eis. nANCIS WARDEN, Esq., Deputy Chairman.
q'illi4°ll4 gel" Cockburn, Esq. Isaac Sewell, Esq.
Es,, Walt. A. Urquhart, Esq.
John"' Petrie c."
i!ryi„„ ~...nraufurd, Esq. George Webster, Esq.
gar s //72-i Me, Esq. Benjamin Boyd, Esq.] Resident
Esq. Mark Boyd, Esq.
,Insar,„,,,..rhYsician—JOllN WEBSTER, M.D., F.R.S.
"'flts effected either with or without participation in the
nC
std(r„,,tllo Participation scale four-flfths (or 80 per. cent.) of the
Lquit`', to the policies every seven years. Policy holders in
of Society will find the system acted upon by this Com-
Year""ing half the annual premium to remain on credit for
1" th. 7. °f Peculiar advantage In insuring their bonus, and like-
spec..,4"e'n?..l.!eS of increa,ing premiums, of which the following is a

lLtr.L_wat To n4csuzz £lOO AT DEATII.
Aim rtrst
Second Third Fourth Fifth Remainder
'"...... Year. Year. Year. Year. Year. of Life.
30 f —............... —........._
...---• --- ..-----
C d.
8. d. .£ s, d.I Z s. d. Z 8. d. • Z 8. d.
40 113 9 15 2 1 8184 1 10 0 210 5
1 10 6
113 9 115 10 118 1 2 0 0 3 8 3
.........._

I I 1 1
o PresPectu
Ltain Iles, with Tables of Rates, and full particulars, may be
John fans. the Secretary, 4, New Bank-buildings, and of the Actuary,
niisq., 10, Pa-Mall East.
HENRY T. THOMSON, Secretary.
It
A. 1- H ARV E S T.-
e‘rt,,,ii " No farmer should he without a goad rick cloth, for it is
--„Gar„yeone of themost useful things he can have on his premises."
tt-Szalirs Gazette.
1,40 n 11X LDGINGTON, 2, Duke-street, Southwark, firtsopf
hick ,Yri_ge. inforres the public he has a few SECOND-HAND
sive .f..'-','-'OI.IIS, in good order, at reasonable cost. Also an exten-
pt,,;''eg• f new Rick Cloths with poles complete. Marquees, tents,
4,leas, vrlth boardQd floor; for fetes, balls, &c., to any extent of
oil ration, always ready. Address, per post, Benjamin Edging'
Itittitreet, Southwuk.—A. warehouse, 208, Piccadilly.