The Sun.
London, England, 1851-02-21 00:00:00

LONDON FRIDAY
a. 4 •
G

FUND LIFE AND
INSURANCE COMPANIES

AY, Esq., Chairman.
*John Rawson, Esq.
*John Shaw, Esq.
t*Edmund S. Symes, Esq,
f*clement Tabor, Esq.
f Joseph Thompson, Esq.
t* Augustus yigne, Esq•
AUDITOR.
tPIOfOSSOT Wheatstone, F.R.S.
PIUTSICIAN.
tr. Elliotson, M.D„ F.R.S„ 37, Conduit-street.
SURD EON.
f *E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
t*W. S. R. Woolhouse, Esq., F.R.A.S., &C.
SECRETARY.
*D. T. Lyons Clanchy, Esq.
SUPERINTENDENT. 1
*W. A. Hawkins, Efte
BANKERS.
~__l
t*Mesus. Glyn, Hall:fax, Mills, and C0.,-57, Lombard-street.

Maher, Esq-.
*John Moss, Esq.

SOLICITORS,
I Messrs. Sutton, Ewens, Ommanney and Prudence, 6, Basinghall-
street.
*W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN Ft LIFE orncE.
CAPITAL-000,000/.
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 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 sue-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.
Ns 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
' 1,781,5601.; 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, IMO, the bonuses declared to the As-
sured were, the option of a return of 15 per cent. on their Premisms
in cash, or a reversionary addition to the original sum assured by
each Policy varying Prom 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

A *I Forma-
.4v , Annual Policy Bonus in :lent Re-
Age.lo 1,) I . Pre- taken addition Bonne in duc;ion 01
.;• g DAUM. out in to Sum Cash. Annual
Assured. Premium.
--
£ s. d. A s d. £ s. d.
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 17 8 8
£ Z s.d. 1840 193 12 6 93 16 8 14 810
80 1000',74 3 4 1841 189 12 6 89 510 13 tll
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 9 11
1845 66 15 0 44 10 0 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 8 Pict., cap. 110.)
The leading principles of this Office flr 3 —Moderate and equitable
Rates or Premium for each class of risk—Annual division of Profits.
Tho 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 highest importance, both to the Insured and Insurers,
that such an anomaly should cease, and an approximation to the
I true risk be 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 Average, the Premium will be proportioned to the risk.
The Equitable Fire Oface will, by a constant analysis of its own
experience, from time to 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 flay 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 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 Natlenal Loan Fund Life Assurance Society.
. Equitable Fire
t* Both Offices.

PUBLICATIONS.

ANNOUNCEMENT.—Mr. RUSKIN'S New
Work, " TIIE STONES OF VENICE," Volume the First,
Illustrated with 21 Plates and numerous Woodcuts, will be published
on the Ist of March, by Smith, Elder, and Co., 65, Cornhill.

Now ready,
THE BRITISH OFFICER:
His Position, Duties, Emoluments, and Privileges.
Being a Digest and Compilation of the Rules, Regulations, War-
rants, and Memoranda relating to the Duties, Promotion, Pay, and
Allowances of the Officers in her Majesty's Service, and in that of
the Honourable East India Comp .ny.
By J. H. STOCQUELER.
One Volume, Bvo., price 15s. cloth extra.
London : Smith, Elder, and Co., 65, Cornhill.

On Monday nest will be published, in post Bvo., price 9s. cloth,
TRIP to MEXICO--
11 or, Recollectiens of a Ten Months' Ramble in 1849-50.

By A BARRISTER.--
London : Smith, Elder, and Co., 65, Cornhill.

NEW STORY OF SCOTTISH LIFE AND CHARACTER.
Immediately, in 2 viols., post ivo., price 21s. cloth,
J 0 SE D O U G L A S;
or, the Autobiography oc a Minister's Daughter.
London : Smith, Elder, and Co., 65, Cornhill.

TILE SLAVE TRADE IN AFRICA.
Just published, in 2 vols., post Bvo., with Ten Plates, printed in
colours, and Wood Engravings, price One Guinea cloth,
DAHOMEY and the DAHOMANS: being the
Journals of Two Missions to the King of Dahomey, and
Residence at his Capita], in the years 1849 and 1850. By FREDE-
RICK E. FORBES, Commander, R.N., F.R.G.S., Author of "Five
Years in China," and " Six Months in the African Blockade."
London: Longman, Brown, Green, and Longmans.