The Sun.
London, England, 1851-03-18 00:00:00

Extensive Travelling Leave granted without extra Premium
Moderate extra PriMinium for Residence in Tropical Climates.
EQUITABLR FIRE OFFICE.
Capital-500,000/.
(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 bean 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-
proached 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 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 °face will, by a constant analysis of its own
experience, from time to time, adopt such rates of Premium 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 35. 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 Nationaquitable Fire l Loan Fund Life Assuan co Society.
* E
f* Both Offices.

ATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
5, NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURT II ANNUAL GENERAL MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
0111ce, 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 •1901.—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, 1149, and
the 31st of Slay, 1850, was more than double the number issued in
the twelve months preceding.
Proposals were made for 138 Policies, amounting to 52,9631.25. 6d.:
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. 123 6d., pro-
ducing in annual premiums 3,7321. I Is. Gd. Of these 54 lapsed,
amounting to 23,9901. 16s. 6d., of which the annual premiums were
7411. is., leaving the yearly income on the Ist of Juno last equal to
2,9911. 15e. Ild.
Since last meeting loans wore applied for to the extent of 17,7001.,
but 1,1831. 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
de l'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 Parists, Eveque
de Langres, has already within the last three months effected a con•
siderable amount of business, not only Life Assurances, but in An-
nuities bath Immediate and Deferred,
After various resolutions, approving of the Report, and returning
thanks to the Right Reverend Chairman, Bishop Morris, the Vice-
Chairman, Actuary, Secretary, and Medical Officers of the establish-
ment, the meeting separated, highly gratified at its present results
and future prospects.

THE LONDON INDISPUTABLE LIFE
1 POLICY COMPANY.

No. 72, Lombard-street and 24, Connaught-terrace.
TRUSTEES.
Richard Spooner, Esq., M.P.
J. Campbell Renton, Esq., M.P. James Fuller index, Esq.
Richard Malins, Esq., Q.C. I William Wilberforce, Esq.
The POLICIES are INDISPUTABLE, in terms of the Deed of
Settlement of the Company, duly registered, and are not, therefore,
dependent for their validity on the construction to be put upon pre-
vious statements or the official papers which preceded them, or upon
reports, prospectuses, or other varying documents. They are thus
rendered CERTAIN FAMILY PROVISIONS, AND NEGOTIABLE
DOCUMENTS OF SECURITY.
Owing to this important improvement in the practice of life
assurance, the progress of this company has been rapid from the
commencement of its business, and Is steadily advancing.
ALEXANDER ROBERTSON, Manager.

ONE PAYMENT FOR THE WHOLE OF LIFE.
rrifiE n&ILWAY ASSURANCE COMPANY,
for granting Assurances upon Payment of a Single Premium,
against Loss of Life or other Personal Injury arising from Railway
Accidents. Incorprated under the Act ot rarliament, 7 and 8 ,
cap. 110. Capital -One Hundred Thousand Pounds. Offices, No. 5,
St. James's-street, London.

TRIISTEkS.
The Right Hon. Earl Fitzwilliam. I The Common Sergeant.
The lion. llenry G. Spencer. Charles Hopkinson, Esq.
The distinctive feature of this Companyracilocieisfiostrs
tinhethwe
isinotienocr,
of ONE PAYMENT to cover an Assurance
LIFE.
The first is the only expense and trouble, there being no annual re-
newal of premium.
By granting Assurances to PaSSCICCTS only, and excludin gars
all
those persons in the employ of Railway Companies or Co ntra
the Directors of this Com-
among whom the heavier risks occur,
pany are enabled to issue Policies at a lower rate of premtum than
is offered by any existing Company.
Upon proof being given that a party assured has met with his
death by railway accident, the Company mill 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.
Assurers have the option of travelling in carriages of any class, and
on any railway in the United Kingdom.
The Directors are now granting assurances upon the following
terms, viz.:—
For every Policy of 100/. 0/. 58. t For every Policy of 1,060/. 2/. 20.
~ 2. 5501. 1/. ss. 1 „ 2,0001. 4/. 4s.
Agents are appointed in all the prii.;cipar towns of the United
kingdom, through whom Assurances may be effected.
W. W. WILLIAMS, Secretary.