The Sun.
London, England, 1851-02-22 00:00:00

Entrance Fees or any other charge beyond the Policy Stamp.

The present nnual income of the Society from Premiums is
63,0001.; trie amount covered by the, Policies of the Society is
1,781,5801.; and she reserved profit, applicable to future humus• to
the Assured, huiounts to 82,454/. be. Sd, ithheltSt 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 a clition to the original sum assured by
each Policy varying from 20 to b 5 per cent.

EXAMPLES-OF BONUSES ALREADY DECLARED.

I Parma-
;.i .6 Annual (Policy Bonne in nent Re-
Age, ge, Pre- taken addition Bonns in duction of
? g mimed. eat in to Sum Cash. Annual
Assured. Premium.
~.. - -.
X a. 4. X s d. £ s. d.
i 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 3 4 1841 189 12 6 89 5 10 13 8 11
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 1 10
1844 77 19 2 38 15 10 5 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.
EQUITABLE FIRE OFFICE.
Capital-500,0001.
(Incorporated under 7 and 8 Viet., cap. 110.)
The leading principles of this Office ar3 —Moderate and equitable
Rates or Premium for each class or 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 Insu4
ranee Company is established.

The true rate of Premium for Fire Insurance can only be ap-
3roached 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 Ollce will, by a constant analysis of its own
experience, from time to tly e, 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 fluty 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 Pr.,nerty on moderate terms.
Farming Stock insared 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
f* Both °filets.