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

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-
ranee 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 en, 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 loaa for so great a calamity as tire, and the Insurer
is largely liziterested in this question, and will consult his Interest b,
supporting a system where, by a careful combination of Classifica-
tion and Average, the Premium will be proportioned to the risk.
The Equitable Fire Oftice 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 Coss by Fire are effected by this Company upon
every description of Pronerty on moderate terms.

Farming Stock insured at 3s. per cent, without the Average Clause.
Prospectuses. and every information may be obtained, on applica-
tion at the Oitioe, or to any of its Agents.

1- National 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 Life 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 Fltzwilliam. I The Common Sergeant.
The Hon. Henry G. Spencer. I Charles Hopkinson, Esq.

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

_. ....., ..... • , ,_
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 of this Com-
pany are enabled to issue Policies at a lower rate of premium than
is offered by any existing Compaay.
It will be seen that, by a single payment of Five Shillings, any
Railway Traveller may be assured in the sum of 100/. for the re-
mainder of his life.

Upon proof being given that a party assured has met with his
death 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.
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
1,41tgx0)0:1... 5255e5...
91 ft 9121.
41. 4s.
Agents are appointed 2111,001 the *prinCipal towns of the United
Kingdom, from whom 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,
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 Mt.—making
together 700/., 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, 1849, 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 52,9831.25. 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 ef the Company to the lst of June last,
assurances were effected to the extent ef 110,9721. 12s. 6d., pro-
ducing in annual premiums 3,732/. I Is. 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 1,183/. I ls. 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
a gentleman of high standing in Paris, distinguished for
and ability in financial and in all assurance matters,
de l'Etang,
integrity
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.

AF.CONOMIC LIFE ASSURANCE SOCIETY,
The Right lion. Sir T. FRANKLAND LEWIS, Bart., M.P.
Chairman.
HENRY FREDERIC STEPHENS ON, Esq., Deputy-Chairman.