The Sun.
London, England, 1851-02-28 00:00:00

4,
.47:1
Annual Policy Bonus in Parma-
nent Re-
Age. E ,::;. Pre- taken addition Bonne ,n auction of
z „... miunt. out in to Sum Cash. Annual
os Assured. Premium.
- - ---
X s. €l. X a d. X s. d.
1837 292 8 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 89 511 13 gll
1842 162 16 8 76 18 4 II 8 3
1843 115 10 10 55 10 10 8 110
1844 77 19 2 38 15 10 5 S 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-500,0(101.
(Incorporated ander 7 and 8 Vict., cap. 110.)
The leading principles of this Office ars —Moderato and equitable
Rates of Premium for each class of risk—Annual division of Profits.
Tke 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 highe,t importance, both to the Insured and Insurers,
that such an anomaly should cease, and an aperoximatiou to the
true risk 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 ,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 Aver,ge, the Premium will be proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its own
experience, from time to 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 fitly per cent. of the nett
excess will be mid° 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 Nati.nal Loan Fund Life Assurance Society.
* Equitable Fire
t* Both (Maces.

UNITED KINGDOM LIFE ASSURANCE
COMPANY.
Established by Act of Parliament in 1834.
R, Lomioti D 7, :,,,,c-..treet, Edinburah;
12, St. Vincent-place, Glaseow : 4, College. green, Dublin.
LONDON BOARD.
rITARLES GRAHAM, Esq., Chairman.
CHARLES DOWNES, Esq., Deputy Chairman.
IT. Blair Avarne, Esq. J. G. Henriques, Esq.
E. L. Boyd, Esq., Resident. F. Chas. Maitland, Esq.
Charles B. Curtis, ESQ. William Railton, Esq.
William Fairlie, Esq. F. EL Thomson. Esq.
D. Q. Henriques, Esq. Thomas Thorby, Esq.
The bonus added to policies from March, 1834, to the 31st
)ecern‘..,er, 1847, Is as follows :

1
£638 6 8 £787 10 0
• .. 112 10 0
100 0 0 157 10 0
.. .. 157 10 0
▪ .. 22 10 0
50 0 0 78 15 0
.. .. 45 0 0
.. .. 11 5 0

Sum I Time Assured. Sum added toi Sum addedtol
leisured. 'Polley inlB4llPolicyin 1848

£5OOO 113 years 10 mths
5000 1 year
1000 12 years
1000 7 years
1000 1 year
500 12 years
500 4 years
500 1 year

,Sum payable
at Death.

£6470 16 8
5112 10 0
1257 10 0
1157 10 0
1022 10 0
628 15 0
545 0 0
511 5 0

The Premiums, nevertheless, are on the most moderate scale, and
only one-half need be paid for the first five years when the In-
nrance is for Life.
Every information afforded on application to the Resident Direc-
or, 8, Waterloo-place, Pall-mall. London.

ONE PAYMENT FOR THE WHOLE OF LIFE.
THE RAILWAY ASSURANCE COMPANY,
for granting Assurances upon Payment of a Single Premium,
against Loss of Lite or other Personal Injury arising from Railway
Accidents. Incorporated under tt,e Act of ?ornament, 7 and 8 Vie.,
cap. 110. Capital One Hundred Thousand Pounds. Offices, No. 5,
St. James's-street, London.

TRUSTEES.
The Right Hon. Earl Fitzwilliam. The Common Sergeant.
I
The Hon. Henry G. Spencer. Charles Hopkinson, 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 al l
those persons in the employ of Railway Companies or Contractors
among whom the heavier risks occur, the Directors of this ,lom-
pany are enabled to I.sue Policies at a lower rate of premium than
is offered by any existing Company.
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 100/. 01. ss. I For every Policy of 1,0001. 2/. 2s.
~
500/. 11. ss. ~ ~ ~ 2,0001. 41. 4s.
or
Agents are appointed in all the principal towns of the United
Kingdom, through Whom Assurances may be effected.
W. W. WILLIAMS, Secretary.

UN . LIFE ASSURANCE SOCIETY,
LONDON.
SHARE OF PROFIT IN
OUR-F CREA
IFTHS.SED FROM ONE-HAT,F TO
F
Policies effected with this Society after Midsummer, 1850, and re-
maining in force at each Septennial period of division, will PARTI-
CIPATE IN FOUR-FIFTHS of the Net Profits of the Society ac-
cruing after Midsummer, 1850. in proportion to their contributions
to those profits, and according to the conditions contained in the
Society's Prospectus and Act of Parliament.
The Premiums required by this Society for insuring Young Lives
are much lower than in many other old-established offices, and Insurers
are fully protected from all risk by an ample guarantee fund, in ad-
dition to the accumulated funds derived from the investments of
Premiums.

CHARLES HENRY LIDDERDALE, Actuary.