The Sun.
London, England, 1851-04-09 00:00:00

BANKERS.
t*MeSsrs. Glyn, Retina, Mills, and Co., 67, Lombard-street.
soramoas,
prows. Sutton, Ewens, Ommanney and Prudence, 6, Basinghall-
street.
*W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-540,0001.
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 y time, to receive at interest an immediate advance,
to the extent an
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 lse 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.
Ne Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual income of the Society from Premiums is
63,000/. ; the amount covered by the Policies of the Society is
1,781,5801. ; and the reserved profit, applicable o future bepus 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 sam assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

--- Perms.-
',i Annual Policy Bonus in nent Re-
Age. § g Pre-
mien.
etuatkeinn additions Boon in ductinoune?f
" Assured. um Premium.
-- ----1-- „,---- ------ ---
1 X 0. 5. Xs d. XO. d.
r 1837 292 6 9 139 16 9 22 13 1
, 1838 267 11 4 126 17 2 19 19 7
17 8 8
I 4 s.d. 11883490 2419
182 6 1933 17
7
14 0 10
60 1000 74 3 4 1841 189 12 6 89 510 13 811
1842 162 18 8 76 18 4 11 8 3
1843 115 10 10 55 15 10 510 10 81 10
1844 77 19 2
1845 66 15 0 44 10 0 59 11
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.)d equitable
)
The leading principles of this Office era —Moderate a
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
;Teat, 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
Inane
o-
th
true risk be made. To secure this object the Equitable e
rance Company is established.
The true rate of Premium for Fire Insurance can only be ap-
?roached through Classific,ation 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 tree 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 Preniam 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
of intthett o ach
class of risk, and a return of one moiety, or fitly per cent. each
class of risk, and a return of one moietY, or filly per cent, of the *e
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 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 Offices.

BRITISH ASSURANCE COMPANY, 2,
King-street, Cheapside.
CHAIRMAN—SYDNEY SMIRKE, Esq., A.R.A.
The rates for both Fire and Life Assurance are as low as can
with safety be taken.
The Premiums for Life Assurance made payable to suit the conve-
nience of the assured.
Prospectuses and all particulars may be had at the Head Office.
or of any of the agents.