The Sun.
London, England, 1846-01-10 00:00:00

The division of profits is annuli, and the next will be made in De-
cember of the present year.

V. F ERGUSON CAMROUX, S.

/11HE LICENSED VICTUALLERS' and
JL GENERAL FIRE and LIFE ASSURANCE COMPANY,
ADELAIDE-PLACE, LONDON-BRIDGE ;
444, WEST STRAND ;
23, THISTLE-STREET, EDINBURGH;
GREAT BRIDGEWATER- STREET, MANCHESTER ;
WASON-BUILDINGS and MATHEW-STREET, LIVERPOOL.
Empowered by .A.ct of Parliament.
The Company transact business in every department of Life and
Fire Assurance, in Annuities, Rev(irsions, and Loans.
LIFE DEPARTMENT.
ACTUARY—J. T. Clement, Esq.
At the last quinquennial meeth eg there was added a bonus to the
Life Policies equal to 25 per cent. on the sums paid, and a bonus of
5 per cent. to the Shares, in addition to the payment of the annual
interest.
For the convenience of parties wishing to assure for a specific sum,
without a prospective bonus, a BM, table at lower rates has been
calculated, on which, as well as on the participating scale, one-half
the premium may remain on interest at 5 per cent. for five years,
thus enabling a person to insure his life for 1,0001. on the inunediate
payment of the premium for 500/. only.
The following are the annual Premiums for the Assunince of 100!.
for the whole Life, one-half of which may remain for five years by
merely paying the interest annually at five per cent. ; and should
the Policy become a claim in the interim, the amount due will then
be deducted.
Age 20, without profits ••£1 13 a With profits ..
30 . ....... 1 19 8......
40
• • • 4 9 6
For short periods the Premiums are considerably lower, and for
any ages or contingencies not usua fly advertised infbrmation may be
obtained on application to the Actuary or Secretary.
FIRE DA PARTMENT.
The Company insure houses, .furniture' stock in trade, farming
stock, and every description of personal property, against loss or
damage by fire.
The
e a t
their friends whose Premiums become
du
tto
nroeme.irvA%
Ara charge is made at this Office for the
Directors, begtha Directors
transfer of Policies, and ...hat they will be rated on terms peculiarly
favourable to parties irAuring.
Insurances may bra effected for any periol of time ; if for seven
years, the Premitr4 and Duty will only be charged for six.
Dec., 1845. JOHN BIGG, Secretary.
THE TONTINE LIFE ASSURANCE
COMPANY.

(Provisionally Registered.)
Capital 2,000,0001., in 100,000 Shares of 201. each
Deposit, in compliance with the provisions of the statute 7 and 8
Viet , c. 110, Two Shillings per Share, until the complete Registra-
tion of the Company, when the same will be increased to 1/. per
Share, which, with the assistance anticipated from the Tontine De-
partment, will, it is expected, be sufftcient to carry out the objects
of the Company.
The plan of this Company oilers considerable and peculiar advan-
tages to the Shareholders, as in addition to the profit arising from
Life Assurance trausaction4, it is proposed to raise a capital of
1,000,0001., or more, by the grant of Tontine Annuities, in classes
to be regulated by the r.ges of the Subscribers or their Nominees ;
which capital, on the death of the survivor in each class, will be
divided exclusively among the Shareholders. The principle of the
Tontine Annuities is explained below.
TRUSTEES.
John Elijah Blunt, Esq., 4, New-square, Lincoln's Inn
John Conolly, Esq., M.D., Lawn-house, Hanwell
James Martin, Esq., 68, Lombard-street.
PROVISIONAL DIRECTORS.
John Elijah Blunt, Esq., 4, New-square, Lincoln's Inn
Walter Wyndham Burrell, Esq., Knepp Castle, near Horsham, and
5, Richmond-terrace, Whitehall
John Charritie, Esq., Moorgate-street Chambers, City
John Conolly, Esq., M.D., Lawn-house, Hanwell
John More Douglas, Esq., Belvedere-read, Lambeth
Walter Etty, Esq., Lombard-street Chambers
Edward Hamilton, Esq., M.D., Grafton-street, Piccadilly
William Henderson, Esq., 16, Bishopgate-street Within
Hector Monro, Esq., Walsham le Willows, Suffolk
Savile Ciaven Henry Ogle, Esq., M.P., 84, Eaton-square, Pimlico.
Ambrose Frederick Proctor, Esq., Ware, Hertz
C,,oke Taylor, Esq., LL.D., Fleet-street
John Alfred Trimmer, Esq., Haslemere, Surrey
Forbes Winslow, Esq., M.D., Sussex-house, Hammersmith.
BANKERS—Messrs. Martin, Stone, and Martins, 68, Lombard-street.
Sowerroa—William Dimes, Esq., 46, Lincoln's Inn-fields.
MEDICAL AND SURGICAL REFEREES.
Thomas Callaway, Esq., F.R.c.s., Wellington-street, Southwark
James Copland, Esq., M.D,, &c., &c., Old Burlington-street.
DISTRICT AEDICAL REFEREES IN LONDON.
William PrestonLuder, Esq., M.D., F.R.S.E., Sloane-street,
Knightsbridge
Edward Lloyd,
-esq., M.D., Jewin.street, City
welter Ha 'Walsh. Esq., M.D., Professor of Pathology at Univer-
sity ,-;.'salege, Upper Charlotte-street, Fitzroy-square.
CONP;ULTING ACTUARY—David Jones, Esq., Author of " Tables on
Annintes," Bc.c., King William-street, City.
It is unnecessary Temporary
ts Offices,
Prospectus, No . Lincoln's
toeniilrgnen-ufipon eIdsACTUARY AND SECRETARY—WiIIiam Clark, Esq.
.
the advan-
tages of Life Assurance, or its adaptation
to most of the exigencies
and relations in life. These benefits have been so extensively
pub-
lished, that they are already well understood and appreciated.
This Company is formed for granting every description of Life
Assurance, Annuity, and Endowment ; Loans either for long or
short periods to persons effecting Assurances, upon receiving satis-
factory security for the payment of premium and interest, and the
repayment of the principal, by instalments or otherwise, as IDRy
agreed ; also for the purchase of Revers t
ionary Interests, Policies of
Assurance, and every other description of proper y.
Persons borrowing money, of the Company, upon apprevedboser:
se-
curity, and effecting a policy of Assurance for the amount
rowed, will not be called upon for the repayment of the loan, so
long as the interest and premium are regularly paid. Thus a party
borrowing 1,000/. upon security of his estate, and an assignment of
a policy on his life, would at his decease leave his estate unencum-
bered, the sum assured being applied by the Company to repay its
advance.
The premiums are based upon data derived from the most recent
and authentic sources, presenting a moderate and equitably-adjusted
scale.
One of the principal objects of the Company is to assimilate its
benefits as nearly as possible to those of Mutual Assurance
Societies, with the additional security of a subscribed capital. With
this view, four-fifths of the profits, arising from Policies affected by
parties on the terms of participation, will be divided every three
years, after the first five years, among those who assure for the
whole term of life. The sum so divided among the Assured to be
applied to the reduction of the annual premium, or added to the
sum assured as bonus, or paid in present value, at the option of the
Assured.
For persons who may wish to assure for short periods, or for the
whole of life, without participation in the profits, a scale has been
adopted, which is as moderate as it can be rendered consistently with
the interests of the Company.
Parties may also effect the assurance by payment of one-half only
of the premiums for a stipulated term of years—the interest upon
the unpaid portion of the premiums, at the rate of 5 per cent. per
annum, being annually paid in advance. Upon payment of the
arrear of the premiums, the Assured will be entitled to a full parti-
cipation of the profits.
The Assured may at all times borrow an amount equal to the value
of the policy, on its security.
In all the transactions of the Company the utmost liberality will
be exercised.
Life Assurances will be effected with all the advantages to the
assured afforded by the most respectable established companies.
A Table of Premiums will shortly be published.
TONTINE ANNUITIES.
This Company, in submitting the subject of Tontine Annuities to
the public, is influenced by the belief that there are many persons,
who from the hope of longevity, and the desire of ease and affluence
as they progress through life, will gladly avail themselves of this
mode of investment ; —by which they will secure a large remunera-
tive and increasing income, guaranteed to them by the Company
during their own lives or the lives of their nominee.
The following is an illustration of the principle of the Tontine An-
nuities :—lf 1,000 persons subscribe 1001. each, they or their respec-
tive nominees, being of an age to enter the class in which the an-
nuity granted is 61. p • a cent. per annum, each subscriber or nominee
will, during the continuance of all the lives, receive an annuity of 61. ;
but as the lives drop, the share of the deceased parties will be
divided among the survivors,
until they are reduced to six, each of
whom will then receive 1,000/. per annum for life ; but as they re-
spectively die off, the 1,0001. per year which the deceased party re-
ceived will fall into the flmd m
s of the Copany, for the benefit of the
shareholders ; and so in proportion for a larger or smaller number of
subscribers or their nominees.
This mode of investment Ns,' 'll place it in the power of almost every.
individual, at some period of life, by prudently and legitimately a _
money, which
propriating a comparatively small sum of
in many in-
stances would be otherwise uselessly expended, to secure indepen-
dence and comfort in their declining years.
Parents may also by these means provide for their children.
Wealthy relatives for their poorer relations.
to be directed to
Applications for Shares, in the following form,
Charles Barker, Esq., No. 46, Lincoln's Inn-fields :
To the Directors of the Tontine Life Assurance Company.
Gentlemen,--I request you to allot me Shares in this
Company ; and I hereby agree to accept the same, or any less num-
ber you may allot me, and to pay the deposit of Two Shillings per
Share thereon, and also to execute the Deed of Settlement of the
Company when required to do so.

.Ikddress• • .. • • • • • • • • • .
Proftiosion or Business
Aeforonot.• ••.•......