The Sun.
London, England, 1848-11-17 00:00:00

11. PREMIUMS
To secure 1
lon attain- AnnnityXlo 10 0
ing the age Cash • . 82 10 0
of 65, the Policy .. 97 8 6
option of

ral :3" Payable ! Payable Payable
Annu- in one 1 for Dia-
e.-. ally. sum. (parity.
.1 o 4

'2 Annuity.

Cash. I Policy.

£ s. d
20 47 16 C
SO 26 IS 11,
40 13 19 5

s. d
394 11 0
221 0 0
115 8 0

s. d.
466 0 0
261 0 0
136 6 0

£s. d. s. d.l£ s. d.
20 01011 10 0 101 0 0 0
30 019 616 7 1 7 311
40 1 17 327 311,19 410

Immediate Annuities are also granted by the Society on liberf.l
terms, as will be seen by the following extracts from the Tables,
showing tho annual amount of annuity upon every 100/. deposited :
Age 50, £7 Bs. I Age 60, £9 14s. 3d. Age 70, £l4 2s. 2d.
The Annual Report, with Tables of Rates, &c..
on may be ha
ion d at the
Office, or any of its Branches in the Country; or, applicat, will
be forwarded post free.

W. S. B. WOOLHOUSE, Actuary.

SCOTTISH WIDOWS' FUND and LIFE
ASSURANCE SOCIETY.
Founded A.D. 1815, on the principle of Mutual Assurance.
Constituted by Act of Parliament.

PRESIDENT.
The Right lion. the EARL of ROSEBERT, K.T.
TICE PRESIDENTS.
WILLIAM GIBSON CRAIG, Esq., M.P.
The Henearable LORD COCKBURN.
The Honourable LORD MONCRIEFF.
Ills Grace the DUKE of BUCCLEUCH,
All of whom, as well as the Directors, ordinary and extraordinary,
are personally connected with the society by insurances ol more than
three years' standing.
In comparing the relative advantages afforded by the different in-
surance companies, and in contrasting the various modes in which the
profits are allocated amongst the insured, it ought to he particularly
kept in view that many offices professing to make large additions
make no provision for the payment of bonuses during the interval be-
tween one period )f investigation and another, commonly called
Contingent Prospective Bonuses. No mode of allocation of the pro-
fits of an alsarance company can be equitable which does not pro-
ceed upon the principle of makiag provision for such bonus addi-
tions. Thus, when a higher premium is charged than is admittedly
an equivalent for the risk undertaken, and when the accumulations
hole
arising from the surplus premiums are divided in w
or in part among the contributors, it is clearly contrary to the
principle of jastice that if A and B. being of the same age,
effect insurances at the same time and to the same extent, and if A
live for several years longer than B, and pay more annual pre-
miums, his representatives should receive no larger share of the
profits or surplus premiums than the representatives of B. It is at
the same time manifestly inconsistent with strict equity, that the
interests of the families or representatives of those whose lives are
insured should be materially affected (it may be to the extent, in
some cases, of hundreds of pounds), according to whether they
happen to die the day before or the day after that on which an in-
vestigation is made into the company's affairs.
Read Office, i, St. Andrew-square, Edinburgh.
JOHN MACKENZIE, Manager.
WM. GEORGE, Chief Clerk.
Offices in London—No. 4, Royal Exchange-buildings, and 7, Pall-
mall Nest.

HUGH WICEAN, Agent.

October, IE4B.

THE LIVERPOOL AND LONDON FIRE
AND LIFE INSURANCE COMPANY.
WATER-STREET, LIVERPOOL,
2, CHARLOTTE-ROW, MANSION-HOUSE, and 211, REGENT-
STREET, WATERLOO-PLACE, LONDON.

Capital, 1,500,0001.; surplus. 160.0001.
LIABILITY of the PROPRIETORS UNLIMITED.
FIRE► INSURANCES at Home and Abroad, effected on Moderate
Terms.
LIFE INSURANCE in all its branches, on a ne v system of Gua-
ranteed Bonuses, and at Low Premiums.
Full Prospectuses may be had on application at the Chief Offices,
and the •arious agencies throughout the country.
SWINTON BOULT, Secretary to the Company.
BENJ. HENDERSON, Resident Secretary in London

.FASTERN COUNTIES RAILWAY.
The Shareholders are informed that the Notices with refer-
ence to the proposed Araalgation of this Company with the Eastern
Union Company have been issued without the authority or know-
ledge of the Directors of the Eastern Counties Company, and that no
negotiations have taken place on the subject.
By order of the Board,
C. P. ItONEY, Secretary.