The Sun.
London, England, 1847-03-25 00:00:00

NATIONAL LOAN FUND LIFE ASSU •
RANCE SOCIETY.
OFFICE, 26, CORNPIILL, LONDON.
Capital 500,0001.
Empowered by Act of Parliament.
~ ?he system of Deferred Annuities, originally proposed by the Na-
tional Loan Fund Life Assurance Society, for the better advance-
.-ftt of the objects of Benefit and Friendly Societies, having received
,T
s 1 approbation of a considerable body of the active members and
;peers of those Institutions, and the Directors of the National Loan
Fend Society having been urgently solicited by them to estabiish a
fyanch Office in connexion with those Societies and the Operative
'!sotes generally, in which their services might be successfully en-
!,"_ised, a Committee has been sanctioned by the Directors to open
toSaraunication with the different Societies, with the view of more
effectually disseminating the valuable benefits amongst the indtts-
"lo SS classes, and a plan has been proposed with that object.
ADDRESS OF THE COMMITTEE.
bMan •
Y praiseworthy but ineffectual attempts have been made to
:,Lsalli within the scope and operation of the ;laws of mortality and
• TV the savings of the Industrious classes, as well as various cal-
nlations regalating their distribution, having for their object either
Mediate, contingent, or deferred benefits.
„, A slight examination, however, will demonstrate that the con-
faction of these associations or societies is defective; and that in-
fl.ad of affording an easy access and a free choice of investment,
which should be the privilege of every one, they confine too nar-
-I°MY the channel through which a benefit can alone be secured ;
,71, in proportion as their action is circumscribed and embarrassed,
Weir utility is limited. For example, it is not to every individual,
or to every class amongst the industrious community, that provision
ease of sickness is an object of such importance as to call for a
rcnniary sacrifice ; while to others such a provision appears more
attractive, and the loss of employment caused by sickness is a risk
spinet which they desire to be guarded. For this anomalous state
51_ things there is an effective and simple remedy ; that is to say,
instead of covering, by one weekly or annual payment, two or more
rthigent or deferred benefits, so to arrange it that each separate
!refit should have Its separate contribution.
It is to not having observed this rule, and to the association of
two dissimilar functions, and by confounding a sick allowance and
to annuity fund in one and the self-same payment, that much of the
"Ls and mismanagement has arisen amongst Benefit Societies.
ico Mechanism can be so perfect for the management of a sick-
„lees-fund -provision as that afforded by the constant sectional a550,,.`41-lion
,,.`41-lion and watchfulness of the several members composing it. By
Isla means a thorough and constant check is mutually exercised, and
...Ilene but tke really sick are likely to become chargeable upon it.
nit the same perfection, or the same security, is seldom attainable
nen a fund is to be accumulated through a succession of years,
k.,__`sol where results are to bear oat calculations, money investment
-rut in general beyond the experience of the industrious classes.
e'er these reasons it is clear that the fhnds destined for a provision in
%dales should be kept entirely distinct from the fund intended as a
Prevision for old age :-
Ist. Because the laws of sickness and mortality, though apparently
COnnected, do not depend on the same calculation.
._2(l. Because there are a great number who, in order to secure a
~_4srger provision in old, age are willing to take the risk of providing
'sr probable sickness on themselves.
3d. Because the responsibility of managing a provision for old age,
SOntinued to a distant period is, in a great measure, incompatible
with voluntary associations, fluctuating laws, and individual irre-
.OPenalbllity, and more exposed to a failure in the performance of
Riche contract, that when undertaken on the same principles that
Ordinarily govern commercial bodies.
4th. Because the expenses of providing for sickness must, when
tatted in the same payment with provision for old age, tend to dimi-
nish still more 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 elisting
Friendly and Benefit Societies, the parties whose names are here-
unto 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 principles of brotherhood, unity,
and mutual aid, on which friendly societies are based, by guarding
them from the risks of sudden dissolution.
After much diligent search amongst the combinations ingeniously
1140p,esed from time to time for the attainment of one of the principal
Objeet, of Friendly and Benefit Societies, they have found none equal
simpLicity and comprehensiveness of design, as well as forethought
and ernp,:thy for the wants of the industrious classes, as the plan
.„Prolunted by the National Loan Fund Life Assurance Society. It is
true that the .nuthor 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 &Visited that the
eftvenience and safety of Friendly and ilenefit 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
WM, who met in the handsomest manner the overtures made to
Vern for the establishment of a separate °face for the transaction of
.."Seiness connected with Friendly and Benefit Societies, and the in-
dustrious classes in general, resolations have been entered into, con-
stituting the undelSigned as a Committee, with power to add to its
*Umber, for the promulgation of the benefits contained in the an-
sexed prospectus, under the guarantee of the Capital of the Society,
113,d which, without interfering with the numerous objects connected
with the institution of Benefit and Friendly Societies, will in their
!Pinion greatly enlarge their sphere of utility, and afford a protection
Le the working classes in old age and adversity, which nothing up to
666 present day has adequately secured to them.
Thomas Burthom, P.C.R., Ancient Order of Foresters.
John Fussell, C.R,, Ancient Order of Foresters.
John li. Gordon, ncient Order of Foresters.
James Hale, D.C.R., U.S.,'Ancient Oder of Foresters.
Henry Hunt, P.G., Manchester Unity of Odd Fellows.
Joseph Nugent, Pro. C.S., Manchester Unity of Odd Fellows.
Joseph Reeks, 8.0. F., Order of Old Friends.
Samuel Tlmbrell, D.C.R., Ancient Order of Foresters.
DEFERRED ANNUITIES.
Example.--A person aged 21 m
next birthday, by the annual pay-
• snent of 11. 65., or quarterly payent of 75., or monthly payments
of 21. 2d., may secure, on attaining the age of 60, the option of re-
ceiving 'Annuity, 101. 195. 2d. ; Cash down, 1071. 3s. ; or a Policy
Ott his Life, 1371. I7s.
Example.-A person aged 26 next birthday, may secure, on at-
"aning the age of 60, ass Annuity of 10/., with the other options, by
tiro annual payment of 11.65. ed., or a single payment of 22/. 175.3 d.:
on payment of 61. 14s. 3d. for disparity, he will be entitled to
6 same benefits by an annual payment of IS& I Id., the same as
for age 20.
Example -1 person aged 30 next birthday, by the annual
mpay-
t
of 11. Sc., or quarterly payment of 75., or monthly payen
-'6B. 2d. may secure on attaining the age of 65. the option of re-
ete..`ving Annuity, 181. Os. 4d.; cash down, 1481. 12s. ; or a policy on
'‘.‘ life 1751.
sete,sz,aroele.-A person aged 35 next birthday, by the annual pay-
of 11. Gs., or quarterly payment of 75., or monthly payment
e• Me may secure, on attaining the age of 65, the option of re-
his ira Annuity, 181. Os. 4d. ; cash down, 1481. 125.; or a policy on
' 1751. Ils.
Ex,sse„, LIFE ASSURANCE.
the sum 7,-1 parson at the age of 30 next birthday may secure
also partf7, 1001. payable at his death, whenever it may happen, and
2-i. isPate.
3d.
in the Annual Division ef Profits, by the annual pay-
mont of
Exeof
4.
mpt 8----
1121. 55. A Verson at the age of 25 next birthday, by the pay-
Ment
• per month, or Is. per week, may secure the sum of
PaYab's at ins death. whenever it may happen, and like-
-Wise share in the eneetal profits of the Society.
F. FERGUSON C tMROUX, Secretary.

THE ...
EXPERIENCE LIFE ASSURANCE
Edinburgh, 15, George-street. Limit.;
COMPANY
n. 58, Xing William-street.
Established 1843.
Capital 300,0001.
This Company's Tables are based upon the EXPERIENCE OF
THE SEVEN TEEN LIE OF
18
contained in the Report
W their Mortality publish Fed in 1843. The Company embraces, in
Its constitution, the adyantages of both the mutual and proprietary
Interns of Assurance. The SHORT FERMI) RATES will be found,
_4 Comparison with other Companies, to be exceedingly favourable to
' nrers, and the rates for the whole period of life as low as is
consistent Wall PERFECT SE CURITY.
,
4"l at the offices as above, or to any of
For prospectuses, &c.. apply
e Agents throughout the kingdom.
By order of the Directors,
T. YUILLE WARDROP, Secretary.
____.-----

ARTISTS' GENERAL BENEVOLENT
INSTITUTION.
For the Relief of Decaye.:l Artists, their Widows, and
18 Otphaus.
Instituted 1814. Incorporated by Royal Charter 42.
t)nder the Immediate Protection of her Most Excellent Majesty
THE QUEEN.
PATRON—His Royal Highness PRINCE ALBERT, K.G.
VICE-raTuosts.
His Grace the Duke of Buccletach, R.G.
His Grace the Duke of Devonshire, K.G.
His Grace the Duke of Sutherland, K.G.
Most Noble the Marquis of Lansdowne, K.G.
Right Hon. the Earl of Shrewsbury
Right Hon. the Earl of Dartmouth
Right Hon. Earl de Grey
Right Hon. Lord Lyndhurst
Sir John Swinburne, Bart.
Sir Thomas Baring, Bart.
Sir George Philips, Bart.
Wm. J. Denison, Esq., M.P.
Joseph Neeld, Esq., M.P.
Jesse Watts Russell.
PRESIDENT—Sir MARTIN ARCHER SIIEE, P.R.A.
VICE-PILESIDENTS•
i
B Bond Cabbell, Esq., M.P.
William Brockendon, Esq.
J. H. Mann, Esq.
Sir William C. Ross. R.A.
Philip Hardwicke, Esq., R.A.

Blr Robert Smirke, R.A.
lilr Richard \Vestmacott, R.I.
C• R. Cockerel], Esq., R.A.
George Jones, Esq., R.A. ,
'l,,_• P. Deering, Esq., R.A.
Thomas Uvvins, Esq., R.A.
„ The Nobility, Friends, and Subscribers are respectfully informed
that the THIRTY-SECOND ANNIVERSARY FESTIVAL will be
celebrated in FREEMASONS' HALL, on SATURDAY next, the
271 b, instant.
SAMUEL JONES LOYD, Esq., in the Chair.
STEWARDS.
Sir William C. Ross, B.A.
David Roberts, Esq., R.A. I. EdWard Jones, Esq.
Robert F. Abraham, Esq. Charles F. Lambert, Esq.
.; R. Cary, Esq. Charles Leveign, Esq.
• J. Crowley, Esq., 11.11. A. G. B. Lonsdale, Esq.
ren Upton Eddie, Esq. James H. Mann, Esq.
,„eurY Foss, Esq. John Scott, Esq.
f..• Gambart, Esq. Robert Thorbura, Esq.
rhilip Charles Hardwicke, Esq. C. E. Wagstaff, Esq.
of on Table at Six precisely. Tickets, 11. Is. each ;to be had
F the Stewards ; of William Nicol, Esq., Honorary Secretary, 60,
Pill-mall ; and of the Assistant Secretary, 42, Great Russell-street,
Bloomsbury. WILLIAM JOHN ROPER, Assistant Secretary.

SILVER FLAT HORIZONTAL WATCHES,
eareftilly finished, with engine-turned cases, jewelled in four
holes, going barrel to continue the action of the Watch while wind-
tr. are offered, prise 31. 10s. each. These elegant little
watches will be found to perform very correctly, and a printed un-
dertaking is given, with fixed terms on which the) will always
receive any attention required.
T. COX SAVORY and Co., Watchmakers. Sec., 47, Comb'll,
(seven doors from Gracecharch-street). London.—N.B. Second-hand
Watches purchased in exchange.

DR. CULVERWELL on
LONG HEALLIFE. TH, HAPPINESS, and
In pocket volumes ls. each, by post (in stamps), Is. Gd. each.
TO BE RAPP Y.
H 0 W
" Jucunde Tivere."--Cie.
2.
WHAT to EAT, DRINK, and AVOID.
(Witlh Diet-tables for all Complaints.)
3.
MARRIAGE and its MYSTERIES.
Te:be, or not to be, that is the question."—Shakspeare.
4.
The PASSIONS—Their ADVENT and CONTROL.
" Cure ut valeas."
Thee° publications are free from empyrical mysticism, and are
adapted to the intelligence of the times.
..To be had of M2erwood, 23, Paternoster-row ; Mann, 39, Corn-
; Carvalho, 147, Fleet-street ; and all Booksellers, or direct from
the _
Author, whose practice is exclusively devoted to home consulta-
tion,
10, ton, Mornings till Three, and in the Evenings from Seven till Nine,
Argyle-place, R ant street
eg -

ON THE SECRET I FIRMITIES OF YOUTH AND
MATURITY.
, WITH TWENTY-FIVE COLOURED ENGRAVINGS.
Published, Twentieth Thousand, in a sealed envelope, prie,
‘g• 64., or pest paid, to any address, for 3s. 6d. in Postage tamps
direct from the Author's residence.
SELF-PRESERVATION: A Medical Treatise
on the Secret Infirmities and Disorders of Youth and Maturity.
,9Ustrated with Twenty-five Coloured Plates on the Anatomy.
'n7lliolegy, and Diseases of the Urinary and Reproductive Organs,
their various structures, uses, and functions, and showing
-"e mJuries that are produced in them, by solitary habits, and other
tt.e42, see With Practical Observations on the Treatment of Nervous
4,.."MlitY, Local and Constitutional Weakness, and other diseases of
see Urethra.
By SAMUEL LA'MERT, CONSULTING SURGEON,
9, Bedford-street, Bedferd-square, London;
--eulated Member of the University of Edinburgh, Honorary
tittaher of the Louden Hospital Medical Society, Licentiate
Xthecaries' Hall, London, &c., kc.
CONTENTS OF THE TREATISE.
CPIAPris 1. On the Philosophy of Marriage, with its Hindrance
"nd Obligations, and on Infelicitous and Unproductive Unions.—
arrica 2. On the Anatomy and Physiology of the Generativ.
rfgans, their functions, structures, and secretions, proving that gres•
'mental and Physical Power are dependant upon their healthy action
''',-ertArraa 3. On Solitary Habits; their various effects on th.
4nimal Economy ; the concealed cause of Debility of the function•
the Stomach, Lungs, and Brain, and general weakness of th(
M
ental Faculties. CuarTka 4. On the Secret Disorders of Youti
and Maturity, and the Treatment of Nervous and Local Weakness.
2ental Debility, and Premature Decay.—Cnarrans 5 and 6. Or
the Disorders arising from indiscriminate Excess, Gonnorhcea
'1414, Strictures, and other Diseases of he Urethra.
REVIEWS or THZ WORE.
The author of this singular and talented work is a legally quail.
thnis nail cal man, who has evidently had considerable experience of
trr stment of the various disorders arising from the follies an .1
lit,pties of early indiscretion. The engravings are an invaluable ad-
PN by demonstrating the consequences of excesses, which mils'
ae
„s• a salutary warning to youth and maturity, and by its perusal
""LnY qnestions may be satisfactorily replied to, that admit f no asp-
_, even to the most confidential friend."—Era.
ittblished by the Author, and may be had at his residence ; also
21 Rent and Richards, 52, Paternoster-row; Hannay and Co., 63.
fiord-street.
_ Starie, Tichborne-street, Quadrant; Gordon, 146
l''7l!uenhall-street, London; Newton, 16, Church-street, Liverpool
Md by tat Booksellers.
At Home for Consultation daily, from Nine till Two, and from
till Eight ; and all letters immediately replied to, if containing
QUAIRe
"is fee of 11.. for advice, ke.-4 BEDFORD-STREET BEDFORD-
i/ODIDONJ