The Sun.
London, England, 1851-05-10 00:00:00

DIRECTOIO.B.
t*T. LAMIE MURRAY, Esq., Chairman.
*W. A. B. Reattett, Esq. *John Rawson, Esq
0 ilugh Croft, Esq. 'John Shaw, Esq.
tEliiotsoa, M.D„ F.R.S, t*Edmund S. Symes, Esq.
*Ralph Gough, Esq. t*Clement Tabor, Esq.
*M C. Maher, Esq. f Joseph Thompson, Esq
*John Moss, Esq. t*Augustus Vigne, Esq•

Atrnrroa.
tProfesser Wheatstone. F.R.S.
PHYSICIAN.
Mown, M.D„ F.R.S„ 37, Conduit-street.
SITILKEON.
t*E. S. Symes, -Esq., 77, Gro•wenor-street, Grosvenor-square.

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ACTUARY.
toW. S. B. Woolhouse, Esq., F.8.A.5.,
SECRETARY,
D. T. Lyons (9anchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins. Esq.
BANRERS.
t*Messra. Glyn, Hallifax, rTilk and Co., 67, Lombard-street.
sotterrotts,
Messrs. Sutton, Ewens, Ommanney and Prudence, 6, Basmgball-

street.
*W. Tatham, Esq., 22, Throgmorton-street,
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-500,0001.

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The WITHDRAW.AL TABLE of the Society affords to the As-
sured the greatest nossible present and prospective advantages that
Can be conferred by Life Assurance. On this Tati'e 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-halt of the annual payments will b..
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 registerei and acknowledged,
so as to make them available as securities In the hands of
third parties.
No Entrance Feeaor any other obarne44Wond-the Polley Stamp.
The present natal Income of the' Society from Premiums is
63,9001.; ttie amount covered by, the Policies of the Society is
1,781,5801.; 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 reversi9eary addition to the original sum assured by
each Policy varying from 20 to fA per cent.
EXAMPLES OF BONUSES ALREADY DECLARED

Pernia•
..,- AT,nual (Policy,, Bonus in aent. Re..
4
Age.; 5 t... Pre- I taken ; addition ',Soma In euetion of
I- :: rulnin out in to sum Cask. Arnauel
i Assured. Premlur.
-.4 e. 4. X a d. £ s. ,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 i 7 8 s
If X s.d. ' 1840 193 12 6 93 16 8 14 010
+A 1000 14 3 4 ; 1841 189 12 6 89 510 13 gll
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 59 11
t 1845 ' 66 15 0 44 10 0 410 I

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climates.
EQUITABLE FIRE OFFICE.
Capital-5014000/.
(Ine:om,rated under 7 and 14 Viet., cap. 110.)
The leading principles of this Office ar3 -Moderate and equttabie
Rates of Premium for each class cy rise—.l nnual iivision of Profits.
The difficulty of collecting the elements on which to proportion
'remium 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 round by experience, that the total annual losses of the
different Established Comunnies 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 anomtly should cease, and an ape roximation to the
true risk b made. To secure this object the Equitable Fire Insu-
rance Company is established.
The true rate of Preinaim for Fire Insurance can only be ap-
?roaehed through Classification and Average, which has not hitherto
been ,ulliciently acted • ,n, or systematically spelled.
Whatever be the noininal rate, the bonus or return periodically- to
the Insured will determine the true Premium equitably payable, as
security against Ines for so great a calanalty as fire, and the Insurer
is largely interested in this cuestion, and will consult his interest by
supporting a system where, by a careful combination of Cla.sifloa-
don and Aver age, the Premium will be proportioned to the risk.
The Equitable Fire Otlice will, by a constant analyst; of its own
experience, from time tie titre, 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 fitly per cent. of the nett
excess will he mule 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
kanindsureveedryatin3s.f7;rpme.rtcioennt,inwiaythboeuot
obtained,
Average.
Pr every description of Property on moderate terms.
rFroarsniipenctgasSteoc..
den at the Office, or to any of its Agents.

t Nati•snal Loan Fund Life Assurance Society.
* Equitable Fire
t* Roth Offices.

SECURITY TO EMPLOYERS.
PUBLIC GUARANTEE.
To Secretar'e. of Public Institutions, Clerks, Stat'on Masters, Rail-
way Officials. Banker's Clerks, Travellers, COil?Ct, TS and others,
THE TIMES LIFE AS.4URANCE AND GUARANTEE
COMPANY.
32, Ludgate-hill, London.
Incorporat4 d tinder Act of Parliament.
HONORARY PRESIDENTS.

Charles Mudley. M.P., Dartmouth House, Westminster.
James Kershaw, Esq., ➢I.Y.. Stockport.

TRUSTEES.
James Alexander Douglas, Esq.. 11, Queen-square.
Ambrose Moore, Esq.. Endsleigh-street, Tavisteck-square.
Janes Nisbet, Esq., Bemers-street, Oxford-street.
The Hon. FRANCE VILLIERS, CHAIRMAN, Berkeley-square.
JAMES W r'Ll), Esq., M.P., DEPUTY-CHAIRMAN, Charing-cross.
" THE TIMES" Comlany affords Guarantee to persons requiring
the same at the lowest possible rate, and after the first three years,
Annually Divides Four-fliths of he Profits.
Tlr's by applying the justly popular principle of Mutuality to
Pubic Guarantee, the Premiums, instead of bein; a taw upon
honesty, become a means of saving and investment.
RATES—From is. 6d. upwards. No charge for Stamps.
An allowance ma le in the Guarantee Premium wnere a Life As-
surance and Guarantee are combined.
LIFE ASSURANCE.
Life Assurances, Annuities, and Endowments. Payments taken
Moiphly as well as Quarterly, &c.
Folio-les Ind:sputable save io cases of Fraud.
Arraneemen,s can he made with this Office to prevent the loss of a
Policy where the Assured is unable, from tem?orary embarrassment,
to keep up the payments

11. B. SHERID kN, Manager.

THE TIYIES LIFE ASSURANCE AND
GUARANTEE COM ?A NY.
32, I.udgate .11111, London.

HONORARY PRESIDENTS.
Chwrh-s Findley, Esq., M P.
James I:er:haw. Esq., M.P.
TRUSTEES.
Jam^s Alex. Dou.ias, Esq.. H, Queen-square.
Ambrose Moore, Esq.. End.leign-street. rivlstock square.
James Ni-bet, 11,rliets-sfre..t, Oxford-street.
The Um. Flt NCIS VILMERA, Ch airman.

JA M %,•: WY LD, Esq., M.P., Deputy Chairman.
Notleo is hereby given, the, tie SECOND ANNUAL GENERAL
MEE ;'T of the Proprietors wi lbe held, in accordance with the
provisions o, the Deed of Settietnent, at the Oft es of tie Company.
on SATURDAY, the 7th June next, at One o'clock in the Afternoon
preettely. By o' der,
H. It. SHERIDAN. Manager._

rATI-10Lle LAW AND (4ENERAL LIFE
A,s• stilt ANCE COMPANY,
8, NEW COVEN TRY •STREET, LED ;ESTER-SQUARE, LONDON.
The MORT i iNNUAL GEN Elt al. MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
Office, at One o'cl.ck precisely. The following Is extracted from the
reiwrt. which is too lengthy far publication:—
During the past year flO claims have arisen from deaths in England.
and but two in Ireland—one for 500/. and the other nor 2801.—making
together 7001., which have been paid. This is far below the expected
mortality, and ts 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, 1549, and
the 31st of '1 ay, 1450, was more than double the number issued in
the twelve months preceding.
Prop eats were made for 138 Policies, amounting to 5.2,9631.28.
of these 12 corn{ rising 106 lives, were accepted for 15,1251. 6s.
eixteen Policies lapsed, representing 6,045 r., upon whicti 3201. 3i.
was received by the Company in the shape oT premiums.
Since the c tninencement at the Cosnpanr to the tat of Tune last,
essuran,e9 were effected to the extent of 110,9721. 123 6d., pro-
ducing in annual premiums 3,732/. I Is. 6d. Of these 54 lapsed,
amounting to 23,9901. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the let of June last equal to
2,991/. 15s. I Id.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. Ile. 104. only was advanced.
The Directors were also highly gratified to report that within the
last four months they had considerably extended their businece 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 Arclibish, p of Lyons, and Monseigneur Paresis, 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

PROMO'IER LIFE ASSURANCE AND
ANNUITY COMPANY.
No. 9, Chatham place, Blackfriars, London.
Established in 1826.
Subscribed Capital, 240,0001.
This Scciety effects every description of Life Assurance, both Do-
mestic and Foreign, on most advantageous terms, either on the Bonus
on Non-Bonus systems.
Tables of Rates, with all further particulars, may be obtained at
the Office. SAWARD, Secretary.

D 4. °Juts.
CULVERWEL.L'S -Ni-NEW
147. Fleet-street; Mann, 39, Comlaill ; or direct re
To be had of Sherwood, 23, Paternosteriromw
the
price One Shilling each ; by post, ls. 6d.
ENJOYMENT OF LIFE. Cearvanthalhor°,
" Realth, Recreation, and rational Use of Time?
CONTIENTB:—EarIy Rising—Spring and Summer ItiorningS—Ex-
undone about the Environs of London—The Parks, Lanes, Bills,
Forests, Fields, Rio,
Trips and Rama
—0 Bo London at Night—Evening., at Moms
—Music--The Drama—On Eating, Drinking, Sleeping, Bathing, Air,
test, Ease, Occupation, Rte., gco,
15.-__74,,,."‘.648, and other pleasant places—Country

IL
TRAOMENTB PROM THE MOUNTAINS. Two Vela.
A VISIT TO THE LAKES Vol I
; SEETCH_OF EDINBURGH, M.
Vol. u.
Tia LAKES OF KILLARNEY ; REMINISCENCES 07
DUBLIN, Iku.
LG.
WHAT TO EAT, DRINK, AND AVOID.
u That three score years and ten oar course may run."
A popular review of almost every form (cause and cure) of ner-
vously-debilitated health and enfeebled constitution, that harasses
he
Ann, besets the man of pleasure, business, er study, and em-
attars old age, with tables and rules for the diet and physical raga-
N.glou of every-Sal life•

ad
THE PASSIONS.
8. What passions hurt the body—what imp -
Truths as refined as Athens ever heard."
SULU= : -Life's pilgrimage, age. The vent
from infancy to old
ofthe passions. Chastity and Its infringements. The casualties o.
Licentiousness and dissipation, with illustrations, graphic, narrative,
EA remediative. Advocacy of early marriages.;
V.
THE MARRIAGE STATE.
" To be or not to be, that is the question..;
society. and re-
Izoesussuz:—Laws and obligations of nature,
Seen regarding marriage, to be observed by either sex. Time and
choice, on both sides, as to age, temperament, complexion, aid
figure, to secure healthy offspring, witb th, te, nr -par.rtr th( in.
Pbysictl defectiveness and its removal. sterility and its conversion.
-

bieas. Ice.
By R. J. CULVERWELL, M.D. (1841), (1827), D.B.A.
MO. Twenty-five years Medical and Yorensic Reform. in thee.
matters. Reeeption hours dally ta; pet WOW, NYOD til; Ida%
14 Ml7lll4lRe 101antliteft