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

LIFE DEPARTMENT.

The important advantages offered by the plan and constitution of
the Life Department of this Society are—
That Insurers are protected by a large invested capital, upon which
there is no interest to pay, and for which no deduction of any kind
is made, which enables the Directors to give the whole of the Profits
to insuring members.
That the Profits are divided annually amongst all members of five
years' standing, and applied towards reducing life insurances to the
lowest possible rates of premium.
The following table exhibits the Abatement of Premium that has
been made for the past nine years to members of five years' stand-
ing :

Years of Rate of Years of Rate of
Division. Abatement. Division. Abatement.
1842 £45 per Cent. 1847 £5O per Cent.
1813 45 „ 1848 50 PO
1844 46 „ 1849 52% ~
1845 50 „ 1850 62% „
1846 50 „
____

A Policy taken out on or before the 24th of June, 1°45, at an an-
nual premium of 1001., will consequently be charged 471. 10s. as this
ear's premium ; and it is expected that an equal abatement will in
future be annually made.
That persons Insuring their own lives, or the lives of others, may
become members.
That persons who are willing to forego participation in the profits
can insure at a lower rate than that charged to members.
The following table will show the effect of the reduction of pre-
mium made by the Society on Members' Policies that have been five
years in force :

Age when Sum Annual Premium Reduced
insured. Insured. for first five years. Premium.
-.-----
X £ s. d. X s. d.
30 100 2 13 5 1 5 6
40 109 3 7 11 1 12 3
30 500 13 7 1 6 7 0
40 500 16 19 7 8 1 3
45 1000 38 19 2 18 10 1
40 2000 67 18 4 32 5 2
45 5000 194 15 10 92 10 6

This system of reducing the premiums affords immediate benefit
to the members, or enables them to insure a further sum upon their
lives equal to more than one-third of the present policy, without any
additional outlay.

ROBERT STEVEN, Secretary.

ONE PAYMENT FOR THE WHOLE OF LIFE.
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 Fitzwilliam. I The Common Sergeant.
The lion. 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 WEIGLE 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 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 ray 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 1001. 0/. ss. I For every Policy of 1,0001. 21. 2s.
PP 5001. 11. ss. „ „ „ 2,0001. 41. 4s.
Agents are appointed in all the principal towns of the United
Kingdom, through whom Assurances may be effected.
W. W. WILLIAMS, Secretary.

METROPOLITAN COUNTIES ani GENE-
RAL LIFE ASSURANCE SOCIETY. 24', egent-street,
Wat,rloo-place, London.

murrrEas.
Spence Horatio Walpole, Esq., Eichard Spooner, Esq., M.P.
M.l'. Edward Vansittart Neale, Esq.
Henry Peter Fuller, Esq.

DIRECTORS.
Samuel Driver, Esq. I Thomas Littledale, Esq.
John Griffith Frith, Esq. Edward Lomax, Esq.
henry Peter Fuller, Esq. Samuel M tiler. Esq.
John Palk Griffin, Esq. Edward Vansittart Neale, Esq.
Peter Hood, Esq. Sir Thomas N. Reeve
Capt. lion. G. F. liotham, R.N. William Studley, Esq.
Life A-surances, Annuities, and Endowments. Three-fourths of
profits divided amongst the assured. Prospectuses, post-free, on ap-
plication.

F. FEiti

USON CAMROUX, Manager.

PROVIDENT CLERKS' MUTUAL LIFE
ASSURANCE ASSOCIATION and BENEVOLENT FUND.
Established in London, 1840.
TRUSTEES.
Thomas Baring, Esq., M.P. IW. G. Prescott, Esq.
Thomson Hankey, Jun., Esq. Baron L. de Rothschild, M.P.
This Association offers the following advantages :
The Mutual l'rinciple of Assurance.
An Equitable Rate of Premiums.
Division of Profits every five years on Policies of three years'
standing.
The Division of Profits up to 31st December, 1847, averaged 33
per cent. on the Premiums payable for the next five years.
All Policies Indisputable, except In cases of fraud.
The sum assured may be MADE PAYABLE to the WIDOW,
WIDOWER, or CHILDREN, 'WITHOUT ANY DEDUCTION for
PROBATE or LEGACY DUTY, and FREE FROM ANY OTHER
CHARGE WHATEVER.
By order of the Board,
PHILIP HENRY BYRNE, Secretary.
42, Moorgate-street, March 29, 1851.
Parties desirous of becoming Agents for Towns where none have
been hitherto appointed, are requested to make application to the
Becre titr7q

£5OOO 13 years 10 mths
5000 1 year
1000 12 years
1000 7 years
1000 1 year
500 12 years
500 4 years
500 , 1 year

£638 6 8

100 0 0

50 0 0