The Sun.
London, England, 1846-01-27 00:00:00

DISTRICT MEDICAL REFEREES IN LONDON.

William Preston Lauder, Esq.: M.D., F4S.E., Sloane-street,

,
Knightsbridge
Edward" loyd Esq., M.D., Jewin street, City

.
Walter Hayle Walsh. Esq., M.D., Professor of Pathology at Univer-
sity College, Upper Charlotte-street, Fitzroy-square.

. .
CONSULTING ACTUARY—David Jones, Esq., Author of " Tables on
Anntutes," &c., King William-street, City.
ACTUARY AND SECRETARY—WiIIiam Clark, Esq.
Temporary Offices, No. IG, Lincoln's Inn-fields.

It is unnecessary in this Prospectus, to enlarge upon the advan-
tages •f 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 may be
agreed ; also for the purchase of Reversional:3r Interests, Policies of
Assurance, and every other description of property.
l'ersons borrowing money of the Company, upon approved se-
curity, and effecting a policy of Assurance for the amount bor-
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 1,0001. 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 sectiri >o' a subscribed capital. With
this v'ew, four-fifths of the profit', arts ,a; from Policies affected by
parties on the terms of particip: non 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.

Parties may also effect the assurance by payment of one-half only
of the premiums for a stipulated term of years—th:, 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 fall parti-
cipation of the profits.

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 consistentlywith
the interests of the Company.

The Assured may at all tines 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 ►ill 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 100/. each, they or their respec-
tive nominees, being of an age to enter the class in which the an-
nuity granted is 61. per 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 1,0001. 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 funds of the Company, 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 will place it in the power of almost every
individual, at some period of life, by prudently and legitimately ap-
propriating a comparatively small sum of money, which 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.
Applications for Shares, in the following form, to be directed to
Char:es Barker, Esq., No. 46, Lincoln's Inn-fields :
To the Directors of the Tontine Lite 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 wham required to do so.

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