The Sun.
London, England, 1847-04-26 00:00:00

NATIONAL LOAN FUND LIFE ASSU-
RANCE SOCIETY.
OFFICE, 26, conNritu, LONDON.
Capital :300,000i."
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-
toent of the objects of Benefit and Friendly Societies, having received
the approbation of a considerable body- cf the active membraN and
Saeleers of those Institutions, and the Directors of the National Loan
!3rand Society havina been iirs,en•ly solicited by them to establish a
_, ranch Office in counexiou with ay.- aociet:es and the Operative
Classes generally, in which their services might be successtu ay en-
gaged, a Committee has been sanctiomed by the Directors to open
• communication with the different Societies, with the view of more
effectually d eseminating the valuable benefits amongst the Indus•
trioas classes, and a plan has been imposed with that object.
ADDRESS OF THE COMMITTEE.
• Dry ny Praiseworthy but ineffectual attempts have been made to
a.sing within the scope and operation of the laws of mortality and
Money the Ravings of the Industrious classes, as well as various cal-
culations regulating their distribution, having for their object either
Immediate, contingent, or deferred benefits.
A slight examiaatiors, 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,
Whiet should be the privilege of every one, they confine too oar-
rnertY the *amulet through which a benefit can alone be secured ;
and, In proportion as their action is circumscribed and embarrassed,
teir atility Is limited. For example, it is not to every individual
or to every class amongst the industrious community, that provision
sa cue of sickness is an object of such importance as to call for a
peennittrY 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
;:tf s_things there is an effective and simple remedy ; that is to say,
'wad of covering, by one weekly or annual payment, two or more
contingent or deferred benents, so to arrange it that each separate
benefit should have its separate contribution.
It is to not having observed this rule, and to the association of
two dissimilar rum:Lions. and by confounding a sick allowance and
itul antiftity fund, in one and the self-same payment, that much of the
/Ds and mismanagement has arisen amongst Benefit Societies.
s Ne mechanis can be so perfect for the management of a sick -
'Leas-fund p m
rovision as that afforded by the constant sectional asso-
n and watchfulness of the several members composing it. By
means a thorough and constant check is mutually exercised, and
• rile but the really sick are likely to become chargeable upon it.
wilt the state perfection, or the same security, is seldom attainable
11" e a fund is to be accumulated through a succession of years,
kid Where
results arc to bear out calculations, money investment
mfg in general beyond the experience of the industrious classes.
aS Isses reasons it is clear that the fluids destined for a provision in
aprevisionn
Tearless e
Should
old beagkee :pt entirely distinct from the fund intended as a
let. Because the laws of sickness and mortality, though apparently
nesUtcled. do not depend on the same calculation.
hu'iae.lsecause there are a greet number who, in order to secure a
fb r iweildslon In old' age are willing to take the risk of providing
r Probable sickness on themselves.
ad' Because the responsibility of managing a provision for old age,
roan
n untary
-ruled M a distant period is, in
.a great measure, incompatible
"Ith Yol
associations, fluctuating laws, and individual irre-
2. sibilit, and
that hen
to a failure in the performance of
'"eit a contract , that When undertaken on the same principles that
ordinarna
sa
43,... s govern commercial bodiei,
Because the eapenses of providing for sickness must, when
Milted in th
Ala still e earne payment with provision for old age, tend to dimi-
at oreitim this provision : nor is it wisdo or good policy to en-
mittr_es fn. for the sake of the other.
Of tjsedise with these convictions, and with an intimate knowledge
?density ardsigne Nursing within the bosom of many of the existing
-Sto astan-ed-enefit taocieties, the parties whose names are here-
,. __ _ , have had several meetings, with a view of proposing
• ...Piing a remedy for those and other evils ; and in this manner
and mutual aid, on
-ee to.
to give an additio al for
them from the risks of Which friendly societies are based,
gent sudden dissolution.
After much dill the principles of brotherhood, unity,
by guarding
Pre Posed from time s combinations ingeniously
tsiearch amonsst the
.. .
objects of Friendly
and
mme Mr the attainment of one of the principa
IN siniplicity and etiefit Societies, they have found none equal
ands yraPathy so comprehensiveness of design, as well as forethought
ropoged
by
th r this
wants of the industrious classes, as the plan
true that the e National Loan Fund Life Assurance Society. It is
Provision in sickness;
ttuthor of that plan has furnished an argument against
Pediene but, without concurring in the immediate ex-
Other Yof abandoning a provision in sickness, no one can read the
eenvitart of the plan itself, without being fully sa'isfied that the
ness,r'ence and safety of Friendly and Benefit Societies will be
1-41071 secured and consulted, by separating the payment of a sick
.w. nee from an annuity for old age.
pfd potation having waited on the directors of the National Loan
them •f
Met in the handsomest manner the overtures made to
seas
the establishment of a separate office foe the transaction of
41484t0s connected with Friendly and Benefit Sods les, and the in-
stitutinus Classes in general, resolutions.have be en est ered into, con-
n, g the undersigned as a Committee, with pow a* to add to its
neZSer, for the promulgation of the benefits coinstinsd in the an-
anr,:ittnsPectus. under the guarantee of the Capital of the Society,
with sseell. without interfering with the numerous objects connected
OpintoT nstitution of Benefit and Friendly Societies, will in
to skeusserestia enlarge their sphere of utility, and afford a protection
the s._"°rking classes in old age end adversity, which nothing up to
egsent day has adequately secured to them.
John
ennui Burthom, P.C.R., Ancient Order of Foresters.
vJ
John s,' u"ell. C.R„ Ancient Order of Foresters.
ansla st. Gordon, D.S., Ancient Order of Foresters.
sa""nes Hale, D.C.R., Ancient Order of Foresters.
isenra Hunt, P.G , Manchester Unity of Odd Fellows.
.7:en's Nugent, pro. C.S., Manchester Unity of Odd Fellows.
Samuel Reeks, 11.0. F., Order of Old Friends.
Tirabrell, D.C.R.. Ancient Order of Foresters.
Exams, DEFERRED ANNUITIES.
tent oe",',e•---, A Person aged 24 next birthday, by the annual pay-
"' 2s --
''' "so or quarterly payment of 75., or monthly payments
• 2d
he age of 60, the option of ae-
on s„ g Annuity, 101. 19s. 2d • Cash down, 1071. 3s. ; or a Policy
his Lite, 137/.
sa - Person aged 26 next birthday, may secure, on abt-
the ,41.5! age of co, an Annuity of 10/., with the other options, sr.
the
on :4' Payment of 11.65. 9d., or a single payment of 22/.175. 3d.,
Me es,„Payment of 61. 14s. 3d. for disparity, he will be entitled to
or -"e benefits by an annual payment of 18s. I Id., the same as
....age 20
•Caam„;teat ei",l'-is Person aged 30 next birthday, by the annual pay-
er as. s,, ... 68., or quarterly payment of 75., or monthly payment
eelain:'', maY secure on attaining the age of 65, the option of his lit le Annulty, 18/. Os. 4d.; cash down, 148/. 12s. ; or a policy on
u,e 1751. lis. ,
,kstit isTril,e•s-A Person aged 35 next birthday, by the annual pay-
of 28. aa ". Ds, or quarterly payment of 75., or monthly payment
neeaa. may, secure. on attaining tke age of 65, the option of re-
-14,._ Annuity, 18/. Os. 4d. ; cash down, 1481. 125.; or a policy on
Ist. 175/. Ile.

, LIFE ASSURANCE.
xhe person at the age of 30 next birthday may secure
u.,..0nt
7of 1001. payable at his death, whenever it may happen, and
41E '
„,Dli
ofrt2/.pate
din the Annual Divisioa of Prollt3, by the annual " Ss. 3.
pay-
Ale,,.unale.—A person at the age of 25 next birthday, by the pay-
-1127:*5. cr 41. per month, or Is. per week, may secure the sum of
M"' payab,a at his death. whenever it may Clare in the annual profits of the Society. happen, and like-
F. FERGUSON CAAIROITX, Secretary.

NATIONAL LOAN FUND LIFE ASSUR-
ANCE SOCIETY,
Institationm
26, CORNIIILL, LONDON,
Capital £500,00).
s POwered by Act of Parliament.
ZIA respect embraces baportant and substantial advantages
..ag. on w Life
heroAssunces and Deferred Annuities. The assured
teit„. occasions, power to borrow, without expense er for-
-140'7 ef the Policy, two-thirds of the premiums paid (see Table);
tero,he option of selecting benefits, and the conversion of his in-
_s to meet other conveniences or necessity.
lirances for terms of years are granted at the lowest possible
Ives.

DIVISION OF PROFITS. •
)14.11e remarkable success and Increasing prosperity of the Society
benabled the
vaDirectcrs, at the last annual investigation, to declare
._urtn bonus, rying, from 35 to 85 per cent. on the premiums paid
"Olt Policy effected on the Profit scale.
EXAMPLES.

M 7," .1
11
t Z) - 6,1
Premium. o'l Bonus Bonus in ii r?.. g Assured
I,' added. 1 Cash. EFE may
g- 1 . Borrow.
... • 1.-
s."---------- 1
4 s.d. j 18371.4217 15 1 £lOO 0 11.41 G 0 4,4445 0
II im„18381 192 tl3 O. 87 1 13 10 2,!, 395 11
""u a a ~,.,,,,, .re., ~ ,TI 1 01 11 2 11 21 i 2

1
I ..1 S. 4 8 1837i.£217 15 1 XlOO 011
719,00 • cl.
18381 192 3 0. 87 1 4
3 4 18391 165 11 10 74 1
,1840: 116 7 6 54 0 101
118411 111 6 8 49 10 .:1

£l6 0 4!
13 10 2,
11 3 1.
7 16 10
710 4!

.£445 0 0
'1 395 11 1
34 2 3
296 13 4
247 5

pr
—crab r ‘
the profit ye annual,
annual, and the next will be made in
Present y.
F. FEILOUSON CAMROI.7%, Secretary.

11111)ERIAL LIFE INSURANCE COMPANY,

CORNHILL, LONDON.
DIRECTORS.
lIENRT JAMES PRESCOTT, Esg., Chairman.
m ;.Bell,‘-‘6E FIELD, Esq., DeputY Chairman.
Esq. Daniel Mildred, Esq.
nael Rland, Esq James G. Murdoch, Esq.
;nitrite Francis Cobb. , Esq. John Horsley Palmer, Esq.
ckit:ldrew Colvile, Esq. Henry Pearce, Esq.
orrge llenry Cutler, Esq. George Reid, Esq.
Tn°orge Hibbert, Esq. William R. Robinson, Esq.
~I.otri:Zewinan Hunt, Esq. Newman Smith, Esq.
wed r'.FTHS, or 80 per Cent., of the PROFITS will be as-
hl in Policies every fifth year, and may be applied to Increase the
1424 itltrel. to an immediate payment in cash, or to the reduction
NI ex extinction of future premiums, as shown in the follow.
titoraMPle :
ITS to POLICIES of 25 YEARS STANDING, entitled to
Acipate in the Bonus declared in 1846.

41/ Participate in the Bonus declared in 1846.
t44._ sum Cash paid onlOr Prem. And an-
_Annual Bonus surrender reduced I nual re-
Premium. added. of Bonus. to. turn of.
Its 1£ s. d. d .£ s. d. .£ s. s. d.
20 ;20 19 510 451 85. 0. 174 12 3 8 6 9;
10. 000 21 15 10 4.51 0, 193 12 2 815 0'
40 1000 26 14 2 451 0, 236 18 7 710 5
30 1,°0‘,,,C, 33 19 2 451 Ol 284 0 6
60 `"",0 45 6 8 451 50, -35 911 49 8 4.19 4
Ihd lOno 63 13 4 451 55
Oi 384 12 5
,36 10 6

s. d. £ s. d. L s. d.
174 12 3 8 6 91
193 12 2 8 15 0
236 18 7 7 10 5
,1 284 0 6 4 9 8 ......
:35 911 ....•• 419 4
,__ 384 12 5 .... • . ,36 10 6
uranees participation in profits effected at reduced
110.„ Pectuses, and an explanatory statement of other advantages
Mp Oren by this Company, may be had at the Chief Offices as
'Ol at the Branch Office, 16, Pall-man; or of the Agents.
SAMUEL INGALL, Actuary.

OF
LONDON SHIPOWNERS' LOAN
AND ASSURANCE COMPANY.

Offices, 20, ST. HELEN'S-PLACE, LONDON.
tome Deed of Settlement of this Company having been approved by
'"giStrar, and the number of Shares prescribed by the Act having
subscribed for, the Directors will proceed upon the Ist of May
.e 3q, ensuingttoZspuroe iSeecatiePholeiletsieutir
sT;atrheehierleorsmmeonna Seal.
For *assured,
therocornsthe
ttteutron of this Company is based on the principle of limit-
ing the amount entertained in and tilao Individual vessels, or their
rgoes, in rateable proportion to the capital subscribed, and remain-
4nif clear in hand aceording to a graduated scale, constructed with the
treatest care, thereby securing a wide and equalised distribution of
fLtitstanding risks, to the entire exclusion of gambling profits, and
`4lnous losses, from both sides of the account.
tolinder special clauses inserted in the Deed, no single Insurance,
r,Ple space of twelve months, from the date of issuing the first
di,:_eY, will exceed 5001. For the space of three years from the same
the limit has been fixed at 1,000/. ; and for the space of seven
°° at 1,5001.,—a metho,l of proceeding obviously calculated to
itti,`,l,r,e a steady and remunerative business, and avoid the disastrous
14ta Incidental to an opposite system.
aliVoist of the Board of Directors, of the officers of the Company,
ep the Agents appointed for the outports, will be given in the
tiVtises, which wil be
l published after the complete registration
Corapany has been legally effected.

KA§T INDIAN RAILWAY COMPANY._
the t4ottee is hereby given, that the DEED of SETTLEMENT
Efto,ll Indian Railway Company LIES for SIGNATURE at
—`4.lpt ees* 8 Broad-street-buildings, and the Proprietors of Scrip
.
47 iikk. OnThered from I to 80,000 are hereby required to transmit
141, cl to the Secretary for registration on or before SATURDAY,
t tte 43' °l. May next, in default whereof the shares will be sub-
Zeptest°,rfitnte.
lII,' be 01:,_the report, with printed forms to accompany the Scrip,
etb„..481 14 'toed on application at the offices of the Company, 8,
bi"..ge.bweet-buildings ; Messrs. Carden and Whitehead, Royal Ex-
"4ol ."14ing3 • and Messrs. Laurence, Cazenove, and Pearce,
ouiew •
i/h.: • • ane.
Otilicli-te registered share certificates will be issued in the order
~,,ttcutio'le deed is executed, and the priority regulated by the date
043,g0en as u•
uldera arrangem,nts will admit, a notice will be issued calling
„
'` New scrip to present the same for registration.
LllblrutAlN A LA. S AMBRE RAILWAY.
of th ce t
CT TO NAMUR AND TO CHARLEROY
I.OI,,pIIARZehY given that the SECO D ANNUAL MEEIING
)44,"‘,01/ irApOLDEB3 of this Undertaking will be held at the
°°',l*-."Zt. at Rishopigate-street, London, on TUESDAY, llth
`,IE o'clock precisely, on the General Business of the
1311;:eolatio„..
betries upoir`rill also on this occasion be Taken relative to the
the s4at. has of
witch the Call of 21. per Share, due on the 2d °etc.-
0 ot been paid; and a proposition will bo submitted on
44Ittr. f the formation of the important line from Brussels to

JOHN BARNES, President.
81l`tt•-n
-4eh -7 the St GEO. DANCE, Secretary.
holder atntes of the Company it is necessary that all
berLor4ttlheir shnart"e'leing to be present at the above Meeting should
Aroce me 'iv, ertiiicates with the Secretary, at least Ten Days
erlino proximo, in order to Matte them to take part in the

le-street April 16, 1847

ES No. MOS ELY, Surveon -Den tis
of
sup-
No. GI, Grosvenor-street, Bond-street..thave
mvinteyk, "tMoVrm from 32, Havmarket. Their systemwithout
`sttitielal TS ththe to masticate,
injuring
tilt ,14S th., tag e ensures
,potiw.r;er,
i I coverliwz,
41444rij°1enntn teems ibbf tht:sentewhirYe.lr teeth are unchangteci 4414.„,_4r. perfectly resemble the original. Decayed tee
ST niled and restored to use, superseding "tract"'