The Sun.
London, England, 1851-03-07 00:00:00

. Parma-
.c; Annual Policy Bonus in vent Re-
Lge g
r, 4 Pre- taken addition Bonus in Suction of
= miuni. ant in to Sum Cash. Annual
71 Assured. Premium.
X s. d. £ s d. X s. (1.
1 1837 292 6 9 139 16 2 22 13 1
1838 2G7 11 4 126 17 2 19 19 7
1839 241 18 6 113 17 7 17 8 8
£ X s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 3 4 1841 189 12 6 89 5 le 13 8 11
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 1 10
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 ander 7 and 8 Vict., cap. 110.)

The leading principles of this Office ar3 —Moderate and equitable
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
great, that the rates at present charged are more the result of 'pleas
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
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-
goached through Classification and Average, which has not hitherto
been sufficiently acted on, or systematically applied.
Whatever be the nominal rate, the bonus or realm periodically to
the Insured will determine the true Premium equitably payable, as
security against loss for so great a calamity as fire, and the Insarer
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 Office will, by a constant analysis of its own
experience, from time to time, 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 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 applies,
den at the Office, or to any of its Agents.

t National Loan Fund Life Assurance Society.
* Equitable Fire
t* Both Offices.

U N LIFE ASSURANCE SOCIETY,
LONDON
SHARE OF PROFIT INCREASED FRO.II ONE-HALF TO
FOUR-FIFTHS.

Policies effected with this Society after Midsummer, IMO, and re-
maining in force at each Septennial period of division, will PARTI-
CIPAT N.. 1 IN FOUR-FIFTHS of the Net Profits of the Society ac-
cruing after Midsummer, IMO, 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.