The Sun.
London, England, 1851-03-11 00:00:00

CAPITAL-500,000/.

The WITHDRAWAL TABLE of the Society affords to the As-
sured the greatest possible present and prospective advantages that
can be conferred by Life Assurance. On this Table the Assured is
entitled, at any time, to receive at interest an immediate advance,
to the extent of one-half the amount of the paid annual Premiums,
without security, personal liability, or deposit of the Policy, but by
simple endorsement thereon ; or the half Premium may be with-
held during the whole continuance of the Policy. Also, in the
event of the Assured at any time not requiring to continue the
Policy, on its surrender one-half of the annual payments will be
returned by the Society.
Lapsed Policies may be renewed without fine, on proof of health
and payment of arrears of Premium without interest.
Notices of Assignment of Policies registered and acknowledged,
so as to make them available as securities in the hands of
third parties.
No Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual income of the Society from Premiums is
63,0001.; tne amount covered by the Policies of the Society is
1,781,580/. ; and the reserved profit, applicable to future bonus to
the Assured, amounts to 82,4541. ss. 6d. At the last annual inves-
tigation, reported in May; 1850, the bonuses declared to the As-
sured were, the option of a return of 15 per cent. on their Premiums
in cash, or a reversionary addition to the original sum assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

Perma-
-1.4 Annual Polley Bonus in nent Re-
Age. 1 Pre- taken addition Bonus in duction of
whin. eut in to Sum Cash. Annual
Assured. Premium.
-- - -
X s. d. X a d. X s. d.
1837 292 6 9 139 16 9 22 13 1
1838 267 11 4 126 17 2 19 19 7
1839 241 18 6 113 17 7 17 8 8
X X s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 8 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 8 9 11
1845 66 15 0 44 10 0 4 10 1

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 S 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 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 Office 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 Insarers 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 tenns.
Farming Stock insured at 3s. 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•

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
2, NEW COVENTRY-STREET, , LONDON
The FOURTH ANNUAL GENERALLEICESTER-SQUARE MEETING of the P . roprie-
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 281:I1.—making
together 7001., which have been paid. This is far below the expected
mortality, and is especially favourable, when it is remembered how
the life offices generally suffered from the epidemic of last
year.
The number of lives assured between the let of June, 1249, and
the 31st of May, 1950, 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 Ist of June last,
assurances were effected to the extent of 110,9721. 125, 6d., pro-
ducing in annual premiums 3,7321. 1 ls. 6d. Of these 54 lapsed,
amounting to 23,990/. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the Ist of June last equal to
2,9911. 15s. I Id.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. 11s. 104. 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'Etang, 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 Parisis, 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 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.

REPORT of the DIRECTORS to the ORDI-
NARY GENERAL MEETING of MEMBERS of the
ENGINEERS, MASONIC, and UNIVERSAL MUTUAL LIFE
ASSURANCE SOCIETY. 1850.
The Directors have to report that during the year 1850 392 Pro-
posals for Assurance have been submitted to the Board, of which
323, assuring the sum of 85,5251., and producing Annual Premiums to
the amount of 2,562/. 15s. 5d., have been completed. The Directors
have deemed it prudent to decline 31 Proposals for the sum of
14,8001., and 38 for the sum of 15,1001. stand over for the completion
or further consideration.
The number of claims from death during the year has been five,
and the amount paid upon these, and upon the claims which arose
in December. 1849, is 2,2501. In all cases, when requested by the re-
presentatives, immediate payment has been made, subject to the
usual discount. There are not, at the present time, any claims upon
the Society.
The annual income derivable from premiums alone upon the
1,174 policies completed to the 31st Dec., 1850, is 10,0761. Is. 4d.
The Directors feel greet pleasure in being enabled to submit this
very satisfactory statement, which cannot but enlist from the
public increased favour for the Society, and with the continued aid
of the members must advance Its prosperity.
By order of the Court of Directors.
FREDERIC LAIVRANCE,
Actuary and Secretary.
London, 345, Strand, opposite Waterloo-bridge,
March 4, 1851.

of a Single Premium,'
ONE PAYMENT FOR THE WHOLE OF LIFE.
uury arising from Railway
THE RAILWAY ASSURANCE COMPANY
against grantingfLorossof Life PaymentAosrsuortahnecreis,eurpsoonnal
Accidents. Incorporated under tee Act of Parliament, 7 and 8 viey
cap. 110. Capital -One One Mildred Thousand Pounds. Offices, No.
St. James's-street, London.

TIIVSTEES.
The Common Sergeant.
The Right Hon. Earl Fitzwilliam.
Charles Hopkinson, Esq.
The Hon. Henry (3. Spencer.
The distinctive feature of this Company consists in the sufficiency
of ONE PAYMENT to cover an Assurance 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 rem his Com-
pany are enabled to issue Policies at a lower rate of pium than
is offered by any existing Company.
Upon proof being given that a party
death by railway accident, the Company will pay assured has met with his
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/. 55. 1 For every Policy of 1,000/. 2/. 2s.
If t fl 500/. 1/. ss. I „ 2,000/. 4/. 4s.
Agents are appointed in all the principal towns of the United
Kingdom, through whom Assurances may be effected.
W. W. WILLIAMS, Secretary.

THE LONDON INDISPUTABLE LIFE
POLICY COMPANY,
No. 72, Lombard-street and 24, Connaught-terrace.
TRUSTEES.
Richard Spooner, Esq., M.P.
J. Campbell Renton, Esq., M.P. I James Fuller Madox, Esq.
Richard Malin% Esq., Q.C. 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, AliD 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.

ROYAL POLYTECHNIC INSTITUTION.
Lectures en the Culture and Appliances of Flax, by Thomas
Beale BrOWrie, Esq , on Wednesday and Satarday, at Two o'clock.—
Lecture on the Preparation and Bleaching of Flax, by J. H. Pep-
per, Esq.—Lecture on the Chemistry of Ignition and Combustion.—
Lecture by Dr. Bachhoffner on Voltaic Electricity, in which will
be exhibited Allman's Patent Electric Light.—Lectures on the
Music of Wales, by Ellis Roberts, Esq. (Harpist to H.R.H. the Prince
of Wales), with Vocal Illustrations by Miss Blanche Younge,
of Music, on Monday, Tuesday, Thursday, and Friday Evenings et
Eight, and on Saturday, at Three.—The Celebrated Juvenile Harpists
(the Lockwood Family) win perform Trios under the direction of
Mr. Frederick Chatterton, daily at. Four.—Exhibition of the Oxy-
Hydrogen Microscope.—New Series of Dissolving Views, illustrating
some of the Royal Residences of Europe.
Admission, Is.— Schools, Half-price.
Open daily front Eleven till Five o'clock,
cept Saturday) and every Evening (ex-
from Seven till Half-past Ten.

LAURENT'S GRAND CASINO,
Licensed by Act of Parliament.
ARGYLL ROOMS, GREAT
STREET, ST. JAMES'S. INDMILL-
soie Lessee, Charles Emile Laurent, jun., 57, Brompton-square.)
OPEN EVERY EVENING,
With LAURENT'S UNRIVALLED BAND.
Principal Cornet-a-Pistons, M. Boulcourt.
Doors open at Half-past Eight o'clock—Dancing to comMenee al
Nine and terminate at Half-past Eleven 'clock preeioelY.
Admission, Ono Shoilling.

DR. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row ; Carvaiho;
147, Fleet-street; Mann, 39, Cornhill ; or direct from the author,
price One Shilling oach ; by post, Is. 6d.
ENJOYMENT OF LIFE.
"'Zenith, Recreation, and rational IJse of Time."
Colcmcrs:—Early Rising—Spring and Summer Mornings—Ex-
mrsions about the Environs of London—The Parks, Lanes, Hills,
Forests, Fields, High-roads, and other pleasant places—County
trips and Rambles—The Sea—London at Night—Evening. at Home
—Musio—The Drama—On Eating, Drinking, Sleeping, Bathing, Air,
Rest, Ease, Occupation, &c., &o.

FRAGMENTS FROM THEMOUNTAINS. Two Vols.
VolI.

A VISIT TO THE LAKES ; tVol KETCH OF EDINBURGH, &a.
. 11.

TELE LAKES OF KILLARNEY ; REMMISCENCES OF
DUBLIN, &o.

WHAT TO EAT, DRINK, AND AVOID.
"That three score years and ten our course may run."
A popular review of almost every form (cause and cure) of ner-
vously-debilitated health and enfeebled constitution, that harasses
the yonng, besets the man of pleasure, business, er study, and em-
bitters old age, with tables and rules fbr the diet and physical raga-
ation of every-day life.
TV_

THE PASSIONS.
" What passiors hurt the body—what improve,
Truths as refined as Athens ever heard."
817B.TECT : -Lite's pilgrimage, from infancy to old age. The advent
oftho passions. Chastity and its infringements. The casualties of
licentiousness and dissipation, with illustrations, graphic, narrative,
and remediative. Advocacy of early marriages.
V.
THE MARRIAGE STATE.
" To be or not to be, that is the questlon."
Paoualmasx :—Laws and obligations of nature, society, and re-
ligien regarding merriage, to be observed by either sex. Time and
choice, on both sides, as to age, temperament, complexion, and
figure, to secure healthy offspring, with the art of rearing them.
Pbysi cal defectiveness and its removal. Sterility and its conversion.
Oases, &c.
By R. J. CULVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
1824). Tweuty-five years Medical and Forensic Referee in those
matters. Reeeptiwa hours daily till five. Evenings, says') till Dille.
10 A/8711-024e, Regent-street.