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

NATIOWAL LOA.N FUND LIFE MISTY •
RANCE SOCIETY.
OFFICE. 26, CORNHILL, LONDON.
Capital 500,0001.
Empowered by Act of Parliament.
einni system
Fundeferred Annuities, originally proposed by the Na-
nal Loan Life Assurance Society, for the hatter advance-
!Silt of the objects of Benefit and Friendly Societies, having received
approbation of a considerable body cf the active members and
;_a_izere of those institutions, and the Directors of the National Loan
l'un Society having been urgently solicited by them to estabilsh'a
attach Office in connexion with those Societies and the Operative
._
;lose generally, in which their services might be successfUlly ea-
"VA, a Committee has been sanctioned by the Directors to open
unication with the different Societies, with the view of more
y disseminating the valuable benerits amonst the Indus-
"Xll classes, and a plan has been proposed with that object
ADDRESS OF THE COMMITTEE.
atenT praiseworthy but ineffectual attempts have been made to
Within the scope and operation of the laws of mortality and
~„,_"44ey the savings of the industrious classes, as well as various cal-
i,ntions regulating their distribution, having for their object either
ediate, contingent, or deferred benefits.
slight examination, however, will demonstrate that the con-
tion of these associations or societies is defctive ; and that in-
of;affording an easy access and a free choice of investment,
ch should be the privilege of every one, they confine too oar-
' mt'''lY the channel through which a benefit can alone be secured ;
.„„
Z's In proportion as their action is circumscribed and embarrassed,
itility is limited. For example, it is not to every individual,
;710 every class amongst the Industrious community, that provision
.I,Sae of sickness is an object of such importance as toe all for a
Tiniary sacrifice ; while to others suck a provision apprs more
4`is'active, and the loss of employment caused by sickness is a risk
.
ssinst which they desire to be guarded. For this anomalous state
th..tilings there is an effective and simple remedy ; that is to
m ore
say,
jo• ',ad of covering, by one weekly or annual payment, two or
benefit
or deferred benefits, so to arrange it that each separate
should have its separate contribution.
It • is to not having observed this rule, and to the association of
dissimilar functions, and by confounding a sick allowance and
" annuity fund in one and the self-same payment, that much of the
and mismanagement has arisen amongst Benefit Societies.
00 mechanismcan be so perfect fbr the management of a sick-
„
Lks-fund provision as that afforded by the constant sectional asso-
ir
on and watchfulness of the several members composing it. By
means a thorough and constant check is mutually exercised, and
Vle but the really sick are likely to become chargeable upon it.
nut the same perfection, or the same security, is seldom attainable
where a fund is to be accumulated through a succession of years,
it(l Where results are to bear oat calculations, money investment
ing in general beyond the experience of the indastrious classes.
0r these reasons it is clear that the fends destined for a provision in
Leknese should be kept entirely distinct from the fund intended as a
Korlsion for old age :
lit. Because the laws of sickness and mortality, though apparently
ecmneeted, do not depend on the same calculation.
121. Because there are a great number who, in order to secure a
• r Provision In old age are willing to take the risk of providing
Probable sickness on themselves.
Because the responsibility of managing a provision for old age,
wntinned. to a distant period is, in a great measure, incompatible
~.
RA voluntary associations; fluctuating laws, and individual irre-
"Plaslbility, and more exposed to a failure In the performance of
Vaintraot, that wheastudertaket on the lame pliselples that •
th. Because the expenses of providing fir sickness elnet when
WWI in the same payment with provision for old age, tend to dimi-
Y4h still more this provision : nor is it wisdom or good policy to en-
'lnger the one for the sake of the other.
_lmpressed with these convictions, and with an intimate knowledge
the discussions passing within the bosom of many of the existing
nendly and Benefit Societies, the parties whose names are here-
-4410 attached, have had several meetings, with a view of proposing
Ot adopting a remedy for those and other evils ; and in this manner
to give an additional force to the principles of brotherhood, unity,
.d mutual aid, on which friendly societies are based, by guarding
`llthem from the risks of sudden dissolution.
After much diligent search amonat the combinations ingeniously
)I.9osed from time to time for the attainment of one of the principal
Zl:iacts of Friendly and Benefit Societies, they have found none equal
simplicity and comprehensiveness of design, as well as forethought
~414 Vinpathy for the wants of the industrious classes, as the plan
ZuPosed by the National Loan Fund Life Assurance Society. It is
us that the author of that plan has furnished an argument against
provision in sickness; but, without concurring in the immediate ex.
IVlency of abandoning a provision in sickness, no one can read the
"mer part of the plan limit, without being fully sa.istled that the
"4ven.ence and safety of Friendly and Benefit Societies will be
:1"031' secured and consulted, by separating the payment of a sick
',ranee from an annuity for old age.
A•
deputation having waited on the directors of the National Loan
who omet in
ish the handsomest manner the overtures made to
for the establment of a separate ()face for the transaction of
.;sines connected with Friendly and Benefit Societies, and the in-
`▪ dlistrious classes in general, resolutions have been entered into, con-
tti,.tuting the undersigned as a Committee, with power to add to its
number, for the promulgation of the benefits contained in the an-
-led prospectus, under the guarantee of the Capital of the Society,
tud which, without interfering with the numerous objects connected
'lll the institution of Benefit and Friendly Societies, will in their
opinion greatly enlarge their sphere of utility, and afford a protection
t• he working classes In old age and adversity, which nothing up to
"'t 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. b.S., Ancient Order of Foresters.
James Hale, D.C.8., Ancient Order of Foresters.
Henry Hunt, P.G., Manchester Unity of Odd Fellows.
Joseph Nagent, Fro. 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.
%Pfxarnple.--A person aged 24 next birthday, by the annual pay-
e,e_lll of U. Gs or quarterly payment of 75., or monthly payments
441. 2d., may.' secure, on attaining the age of 60, the option of re-
:::"Ing Annuity, 101. 19s. 2d. ; Cash down, 1071. 3s. ; or a Policy
pi. Life, 1371. 178.
tat Example.—A person aged 26 next birthday, may secure, on at-
th_4log the age of 60, an Annuity of 101., with the other options, by
'
er annual payment of 11.65. 8.1., or a single payment of 221.175.3 d.;
aie°o Payment of 61. 14s. Id. for disparity, he will be entitled to
A. same benefits by an annual payment of 18s. I Id., the same as
~.age 20.
erecP e.---A person aged 30 next birthday, by the annual pay-
" Of U. 65., or quarterly payment of 75., or monthly payment
of
f1,.,2c1., may secure on attaining the age of 65, the option of re-
-14'7 g Annuity, 181. Os. 4d.; cash down, 1461. 125. ; or a policy on
la Use 1751. 1 Is.
r.zatr,
Ple.—A person aged 35 next birthday, by the annual pay-
tee_
• of 11. 65., or quarterly payment of 7e., or monthly payment
2da may secure. on attaining the age of 65, the option of re-
o, ng Annuity, 181. Os. 4d. ; cash down, 1481. 12s. ; or a policy oa
"' life. 1751. 11 s.
Rose,
LIFE ASSURANCE.
the..„ PA. —A person at the age of 30 next birthday may secure
alee _Ol 1001. payable at his death, whenever it may happen,
Meat rticipate in the Annual Division t,f Profits, by the annual pay-
of
Exen,_, • . dd.
meat 0t.",--osA person at the age of 25 next birthday, by the pay-
ll2a as. payable month, or Is. per week, may exure the sum of
wise at his death. whenever it may happen, and like-
are in the annual profits of the Society.
F. FERGUSON C SMROUX, Secretary.

NATIONAL LOAN FUND LIFE ASSUR-
ANCE SOCIETY.
26 CORICIIILL, LONDON.
Capital £500,000.
Empowered by Act of Parliament,
,Tllll Institution embraces important and substantial advantages
t4llth repect to Life Assurances Deferred Annuities. The assured
, ons all occasions, the power to borrow, without expense or for.
'enure of the Policy, two-thirds of -the premiums paid (sec Table) ;
Use the option of selecting benefits, and the conversion of his in•
crests to meat other conveniences or necessity.
Assurances for terms of years ace
Ste,.

lowest possible

DIVISION OF PROFITS.
Lrhe remarkable success and increastrig proffperlty of the tAociety
b
igsenabled the Directors, at the last annual investigation, to declare
beaus, varying from 35 to 8.5 per cent. en the premiums paid
tack Policy effected on the Profit scale.
EXAMPLES.

Ma
B
B;

g Assured
.1 may
=
; !Sorrow.

Prcnitum' 1-4 Bonus I Bonus in
added. I Cash.
--- • -
1837 £217 15 1 £lOO 0 111X16 0 4
s. d. 1838 192 3 0 87 1 4j 13 10 2
01000 2 4 1839 165 11 10 74 191 11 1
1840 11i 7 6 54 0 101 718 10
1841 111 6 8 49 10 01 710 4

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

et:emdiyisi ofen
the of profits is
year. annual, and the next will lie made In
ber
F. FERGUSON C.4.3fROUX. Secretary.

T .4
_
AW LIFE ASSURANCE OFFICE, Fleet-
street, next St. Dunstan's Church, March 12, 1847.
hy"A.tNottee is hereby given, that the BOOKS for
RES in this SOCIETY will be CLOSED on TIIVISDAT, the 25thTRANSFERRING
Instant and will be RE-OPENED on Tavasnax, the Bth day of
"'Pit next.
bl'lle DIVIDENDS for the year 1846 will be Payable on TIMRS
4.1., the Bth day of April next, or on any subsequent day (Tuesday's
"Pted), between the Hours of Ten and Three o'clock.
By order of the Directors,
GEORGE'. KIRKPATRICK, Actuary.

PPERIAL LIFE INSURANCE COMPANY,
CORNIIILL, LONDON.
DIRECTOIL9.
HENRY JAMES PRESCOTT, Esq., Chairman.
GEORGE FIELD, Esq., Deputy Chairman.
*Tames C. C. Bell. Esq. Daniel Mildred, Esq.
/Heim)]. Bland, Esq. James G. Murdoch, Esq.
Charles Francis Cobb, Esq. John Horsley Palmer, Esq.
Andrew Celvile, 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.
ki SOUR-FIFTHS, or 80 per Cent., of the PROFITS will be as-
ilned to policies every fifth year, and may be applied to increase the
„!,111sured, to an immediate payment in cash, or to the reduction
iu ultimate extinction of future premiums, as shown in the follow-
plB exa
mple:—
vPITS to POLICIES of 25 YEARS STANDING, entitled to
tcipate in the Bonus declared in 1846.
Age

participate in the Isom. ~,----- ___
Age 1 Cash paid on Or Prem. And an-
at Sam Annual. Bonus surrender reduced nual re-
-17.1 Insured. Premium. added. of Bonus. to. tura of.
............
-- ----i---- -----
14 A Xe.d. X s. d.\ £s.d.,Xv•d. X s. d.
20 1006 19 610 451 5 0 174 12 3186 9, .... ••
30. 1000 21 15 10 451 5 01 193 12 2,8 15 01 .. ••
1000 26 14 2 451 5 01 236 18 7 710 4
40
1060 33 19 2 451 5 01 234 0 6 4 9 8! ••• ••
4
_6O 11,0304 '. !
.6 8 451 11 0 235 911 ...... 14 19
60
la 13 4 ,451 5 01,_31/1_2_5_222.6

Insurances without participation is profits effected M reduced

•ices.
ProsPoetises, and an explanatory statement of other advantages
now liven by this Company, may be had at the Chief Offices as
above; at the Branch Office, 16, Pall-mall ; or of the Agents.
- SAMUEL INGALL, ictLary.

LEGAL and COMMERCIAL FIRE
ASSURANCE SOCIETY.
r,Th-11 SoClety Is now receiving Proposals at its new Offices, No. 73,

J. C. HARDY, Secretary._

FIRE INSURANCES OF EVERY DESCRIPTION ARE
UNDERTAKEN BY THE
SCOTTISH UNION INSURANCE COM-
PANy i 7, Cornhill, London, on the most liberal terms and
Conditions.
Renewal
risks reasonably rated.
Plevral receipts for insurances falling
..-
due at Lady-day are now
R
.Punted particulars of the large bonus just declared in the Lle
-"Artilient may be had on application.
F. G. SMITH, Secretary.
27Cernhlll,
London

• E CONCEALED CAUSE THAT PREYS ON THE
~ALTH AND SHORTENS THE DIMATION OF HUMAN

ELLUSTITED WITS COLIN:IUD IINGRAYINGS,
Just Published, in a Sealed Envelope, price 2s. 6d.. or free
by post, Sc. 6d.
CONT R 0 U L OF THE PASSIONS : a Popular
with Inquiry into the Concealed Canso of its premature Decline
Burpl.nstruetions for its Complete Restoration. Addressed to those
Z.lng from the destructive consequences ttf excessive indulgence,
art mating in Mental and Nervous Debility;
Local or Constitutional
sh,:kness, Indigestion , and Consumption. Including a comprehen-
trated
Illus Dissertation on MARRIAGE, Incontinence, and Celibacy.
with Coloured Engravings, explanatory of the various
844" (-,y . ke•
- el- LUCAS and Co.. Consulting Surgeons, No. GO, Newman-
street, Oxford-street, London.
Member of the London College of Medicine, &c. &c,

•
CONTENTS Of TUN WORK,
InCi!aP• I.—Bodily and Mental Exhaustion induced by inordinate
41.genee of the Passions, illustrated with Coloured Engravings.
2.—Banetal Results of a Secret Vice on the Mind and Body,
~`"enced In the production of Consumption, Epilepsy, and other
-"Ovulsive diseases, Insanity, Idiocy, moping Melancholy, Indiges-
tion
Stricture, Impotence, and Sterility, with Observations oa the
`iiiies of Married Life, and on the unhappiness caused by Unfruitful
pn °he. Chap. 3.—Debility and Exhaustion of the principal Vital
octions, the nature and treatment of Impotenee and Sterility, and
of!inVerfe et performance of the Marital act, caused by the practice
it self-indulgence. Chap. 4.—Oonorrhcoa, its symptoms, co
Prmplica-
s and treatment Meet, Stricture, and disease •f the astate.
Chap
h.—Syphilis, and its attendant maladies and treatment. Cases,
sd concluding observations, Plates, &c.
Boldby Brittain, 11, Paternoster-row ; (lord us, 116, Leadenhall-
rpet'
MHannay and t 0., 63, Oxford-street ; Noble, 114,
street, Chancery-
Bir-
rata Mansell, 115, Fleet-street; Winhal, 78, Migh- '
64,-"am; Whitmore, 119, Market-street, Manchester • Howell,
kciin,Chnrch-street, Liverpool; Robinson, 11, Greenside street,
nrgh ; Powell, 10, Westraoreland-street, Dublin ; and all
11002
...senors.
Person
a &sirous of obtaining the above work, and not wishing to
dir„4 to a bookseller for the same, may, to insure secrecy, have it
itt_from the Authors, by enclotlng 3s. Gd., or Postage Stamps.
11.„7'ssra. Lucas and Co. are to be consulted from Ten till Two, and
vettlwniFive till Eight in the evening, at their residence, IC°. 60,
ba en-street. Oxtbrd-street, London, and country patients may
tteeessthlly treated. on minutely describing their case, and enclos-
"'l
till ustlB4 at It 14 for Mtge.