The Sun.
London, England, 1851-04-07 00:00:00

EXAMPLES OF BONUSES ALREADY DECLARED.

. Pcrma-
.;.o*_ Annual Policy Bonus In sent Re-
Age. 0 i?, Pre- taken additioa Bonus in auction of
a g mium. out in to Sum Cash. Anneal
Assured. Premium.
i-- —,..... — -----
1 X s. 4. £ s d. £ s. d.
1837 292 6 9 139 16 9 22 13 1
1838 j 267 11 4 126 17 2 19 19
1839 241 18 6 113 17 7 17 8 7
8
I A s.d. 1840 193 12 6 93 16 8 14 010
60 1,1000 74 3 4 1841 189 12 6 89 510 13 811
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 110
1844 77 19 2 38 15 10 b 9 11
1845 66 15 0 44 10 0 410 1

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climates.
SUITABLE FIRE OFFICE.
Capital-500,0001.
(Incorporated under 7 and 8 Vict., cap. 110.)
The leading principles of this Office are—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 keen so
great, that the rates at present charged are more the result of guess
tkan calculation.
It has been bound 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 to the
true risk be made. To secure this object the Equitable Fire Insu-
rance Company is established.
The true rate of Premium for Fire Insurance can only be ap-
?roached through Classification and Average, which has not hitherto
been sufficiently acted on, 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 less 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'Premlum will he proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its own
experience, from time to titre, adopt such rates of Preppie= 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 fitly per cent. of the ■ett
excess will be made to all classes of Insurers whose Policies have
been in force for three years.
lissurances against Loss by Fire are effected by this Company upon
every description of Property on moderate terms.
Farming Stock insured at as. per cent, without the Average Clause.
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

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

MUTUAL ASSURANCE WITHOUT ANY PERSONAL
LIABILITY.
Empowered by Special Act of Parliament.
Established in 1837.

NATIONAL MERCANTILE (MUTUAL)
LIFE ASSURANCE SOCIETY,
POULTRY, MANSION-HOUSE, LONDON.
ROBERT WILCOXON, Esq., Chairman.
JAMES PEEK, Esq., Deputy-Chairman.
. _

. _
The following advantages are offered by this Society :
PROFITS.—AnnuaI division of profits. The whole of the profits
belong to the Assured
ASSIGNMENT OF POLlClES.—Assignments recognised, and
certificates given free of expense, admitting the assignees as pra
prietors of the original Policies.
LOANS UPON POLICIES.—Money advanced noon the security
of Policies upon which five or more premiums have been paid.
CLAIMS —All claims promptly paid. No claim has ever been
disputed by this Society.
.NO FlNES.—Parties omitting to pay their premiums when due
are allowed, if in good health, to revive their Policies without the
payment of a fine.
MANAGEMENT.—The office is conducted with great economy,
and the entire management is suieject to the control of the Policy-
holders in general meeting.
EXAMPLE OF LAST BONUS DECLARED.

NewPolicy'Reduc-
,. Age on Reduction obtainable .
Yea"
eff lion
ectin. Sum Original in by red, c-
force
In per
Assur- Assured. Premium. Premium tion of
cent.
ante. Premium.
--- -_- -
-
7 00 1,000 62 15 0 1 24 15 5 248 46

SECURITY OF POIAC Y-lIOLDERS.—The Policy-holders, in
addition to a large amount of realised property in reserve, have an
annual income equal in present value to nearly three-quarters of a

JENKIN JONES, F.1.A., Actuary and Secretary.

ALL POLICIES INDISPUTABLE.
ENGLISH AND CAMBRIAN ASSUR-
ANCIS SOCIETY,
For Life Annuities, and Loans, and for Perpetuating Leasehold and

Copyliold Property.

Chief Office-9, NEW BRIDGE-STREET, Blackfriars, London.
" Declined" Lives taken at equitable rates.
Life Policies " indisputable" and not liable to forfeiture.
Policies of five years' standing not void in cases or suicide.
Policies granted from 201. to 5,0001.
Special tables to suit the working classes, tc whom the advantages
'Life Assurance are at present almost wholly unknown.

Medical men remunerated in all cases.
Immediate, survivorship, and dettrred annuities and endowments
granted, and every other description of risk contingent on human
life.
Loans granted on undoubted security of every description, upon
more advantageous terms t, the borrower than in any other office,
and at one-half the customary charges. If on personal security
the sureties must be resident in or near London.
Claims payable three months after satisfactory proof of death.
Prospectuses and any further information may be obtained from
the Manager.

C. W. BEVAN. Resident Manager.

U N LIFE ASSURANCE SOCIETY,
► LONDON.
SHARE OF PROFIT INCREASE I) FROM ONE-HALF TO
FOUR-FIFTHS.
Policies effected with this Society after Midsummer, 1850, and re-
maining in force at each Septennial period of division, will PARTI-
CIPATE IN FOUR-FIFTHS of the Net Profits of the Society ac-
cruing after Midsummer, 1850, in proportion to their contributions
to those profits, and according to the conditions contained in the
Society's Prospectus and Act of Parliament.
The Premiums required by this Society for insuring Young Lives
are much lower than in many other old-established offices, and Insurers
are fully protected from all risk by an ample guarantee fund, in ad-
dition to the accumulated funds derived from the investments of
Premiums.

CHARLES HENRY LIDDERDALE, Actuary.

BOND'S PERMANENT MARKING INK,
the original and by far the best, requiring no preparation,
offers the surest means of protection for every variety of household
linen and wearing apparel, against loss or mistake, for which reason
be careful to ask for the genuine article, prepared by the ientor,
JOAN BOND, '2B, Long-lane, West Smithfield, City, Londonvn. Sold
by most Chemists, Stationers, and Medicine Vendors. Price Is. a
bottle.

NOTICE.
ROYAL POLYTECHNIC INSTITUTION.
DEPOSITORS are respectfully invited to forward their
work before the 12th inst., that they may be numbered in the NEW
EDITION of Ow CATALOGUE, free of expense.
The INSTITUTI N is now CLOSED, but will be RE-OPENED
on EASTER MONDAY.

E. I. LONGBOTTOM, Secretary.