The Sun.
London, England, 1851-02-18 00:00:00

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climates.
EQUITABLE', FIRE OFFICE.
Capital-500,0001.
(Incorporated under 7 and 8 Viet., cap. 110.)
The leading principles of this Office ara—Moderate and equitable
Rates of Premium for each class of risk—Annual division of Profits.

The difficulty of collecting the elements on which to proportion
Premium to risk in Insurance against Loss by Fire has been so
great, that the rates at present charged are more the result of guess
than calculation. _ • . . _ _

It has been found by experience, that the total annual losses of the
different Established Companies have not been proportionate to the
amount of annual Premiums received by each.
_ . _

It is of the highest importance, both to the Insured and Insurers,
that such an anomaly should cease, and an approximation t• the
true risk be made. To secure this object the Equitable Fire Insu-
rance Company is established.
The true rate of Premium for Fire Insarance can only be ap-
?roached through Classification and Average, which has not hitherto
been sufficiently acted • n, or systematically applied.
Whatever be the nominal rate, the bonus or return periodically to
the Insured will determine the true Premium equitably payable, as
security against loss for so great a calamity as fire, and the Insurer
is largely interested in this question, and will consult his interest by
supporting a system where, by a careful combination of Classifica-
tion and Average, the Premium will be proportioned to the risk.
The Equitable Fire (Nice will, by a constant analysis of its own
experience, from time to tiff e, adopt such rates of Premisim as the
nature of the risk may justify, and will decline to enter into arrange-
ments as regards tariffs with other offices.
With this view an annual investigation will be made into each
class of risk, and a return of one moiety, or fifty per cent. of the nett
excess will be made to all classes of Insurers whose Policies have
been in force for three years.

Insurances against Loss by Fire are effected by this Company upon
every description of Property on moderate terms.
Farming Stock insured at 3s. per cent, without the Average Claus,
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

t Nati.nal Loan Fund Life Assurance Society.
* Equitable Fire
t* Both Offices.

THE RAILWAY ASSURANCE COMPANY,
for granting Assurances upon Payment of a Single Premium,
against Loss of Lite or other Personal Injury arising from Railway
Accidents.
Incorporated under the Act of Parliament, 7 and 8 Vic., cap. 110.
Capital - One Hundred Thousand Pounds.
Offices, No. 5, St. James's-street, London.
TRUSTEES.
The Right Hon. Earl Fitzwilliani. The Common Sergeant.
The lion. I Henry G. Spencer. Charles Hopkinson, Esq.

CHAIRMAN OF THE BOARD OF DIRECTORS.
Sir James R. Carmichael, Bart.
DEPUTY-cnalausx.
Francis Heed Wilson, Esq.

The distinctive feature or this Company consists in the sufficiency
of ONE PAYMENT to cover an A!suranco for the WHOLE OF
LIFE.

The first is the only expense and trouble, there being no annual re-
newal of premium.

By granting Assurances to Passengers only, and excluding all
those persons in the employ of Railway Companies or Contractors
among whom the heavier risks occur, the Directors of this Com-
pany are enabled to issue Policies at a lower rate of premium than
is offered by any existing Company.

It will be seen that, by a single payment of Five Shillings, any
Railway Traveller may be assured in the sum of 1001. for the re-
mainder of his life.

Upon proof being given that a party assured has met with his
(loath by railway accident, the Company will pay to his representa-
tives the full amount of his Policy.
If the accident shall result in personal injury only, the Company
will pay to the assured a fair compensation for such injury.
r railwayav have
itihteh
e u optioniut
cod(
kingdom.travelling in carriages of any class, and
on Alahstiseym:
Directors are now granting assurances upon the following
terms, viz.:—
For every Policy of 100/
5001 0/ 58.
ft IP rr 1/ be.
1,0501.• • • . 21. 2s.
II IP »
ft fl „ 2,0001 41 4s.
Agents are appointed in all the principal towns of the United
Kingdom, from w hom every information may be obtained, as well as
of the Secretary, at the Company's Offices, No. 5, St. James's-street.
London.

W. W. WILLIAMS, Secretary.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
8, NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURTH ANNUAL GENERAL MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
Office, at One o'clock precisely. The following is extracted from the
report, which is too lengthy for publication :
During the past year no claims have arisen from deaths in England.
and but two in Ireland—one for 5001. and the other for 2601.—making
together 7001., which have been paid. This is far below the expected
mortality, and is especially favourable, when it is remembered how
severely the life offices generally suffered from the epidemic of last
year.
The number of lives assured between the Ist of June, 1249, and
the 31st of May, 1850, was more than double the number issued in
the twelve months preceding.
Proposals were made for 138 Policies, amounting to 52,963/.25. id.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
Sixteen Policies lapsed, representing 6,0481., upon which 3201. 3s.
was received by the Company in the shape of premiums.
Since the commencement of the Company to the let of June last,
assurances were effected to the extent of 110,9721. 12s 6d., pro-
ducing in annual premiums 3,7321. lie. 6d. Of these 54 lapsed,
amounting to 23,990 L 16s. 64., of which the annual premiums were
741/. Is., leaving the yearly income on the Ist of June last equal to
2,9911. 15s. 11d..

Since last meeting loans were applied for to the extent of 17,7001.,
but 1,183/. lie. 10d. only was advanced.

The Directors were also highly gratified to report that within the
last four months they had considerably extended their business on
the Continent, having appointed, as Head Agent in France, Monsieur
do I'Etaug, a gentleman of high standing in Paris, distinguished for
his integrity and ability in financial and in all assurance matters,
who, under the sanction and patronage of the Archbishop of Paris,
the Cardinal Archbishop of Lyons, and Monseigneur Parham, Eveque
de Langres, has already within the last three months effected a con-
siderable amount of business, not only in Life Assurances, but in An-
nuities both Immediate and Deferred.
After various resolutions, approving of the Report, and returningßishop Morris, the Vice-
-1 Officers of the
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a ton tAhcet
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establish-
ment, the meeting separated, highly gratified at its present results
Secretary, Reverend
and future prospects.

FCONOMIC LIFE ASSURANCE SOCIETY
4 The Right Hon. Sir T. FRANKLAND LEWIS, Bart., M.P.
Chairman.
HENRY FREDERIC STEPHENSON, Esq., Deputy-Chairman.