The Sun.
London, England, 1851-05-15 00:00:00

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE INSURANCE COMPANIES
26, CORN/ILLL, LONDON.

DIEECTOIB.
t'T. LAMIE MURRAY, Esq., Chairman.

*W. A. B. Bennett, Esq.
*Hugh Croft, Esq.
tElliotson, M.D„ F.R.S.
•Ralph Gough, Esq.
.031 C. Maher, Esq.
*John Moss, Esq.

*John Rawson, Esq.
*John Shaw, Esq.
t*Edmand S. Symes, Esq.
t*Clement Tabor, Esq.
t Joseph Thompson, Esq.
f*Augustus Vigne, Esq*

AI7DITOE.
sProfessor Wheat.tone, F.R.S.
PRYSICIAN.
Elliotson, M.D„ F.E.S„ 37, Conduit-street.
SUR4EON.
t*E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
t*W. 8. B. Woolhouse, Esq., F.R.A.S., 800.
SECRETARY.
*D. T. Lyons Clanchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
BANKERS.
folifessrs. Glyn, Hallifax, Mills, and Co., 67, Lombard-street.

SOLICITORS,
Noun. Sutton, Ewen, Ommanney and Prudence, 6, Basinghall-

street.
•W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-540.0001.

- •
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 one-half of the annual payments will be
returned by the Society.
Lapsed Policies may be renewed without ffne, 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 is the hands of
third parties.
Ne Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual income of the Society from Premiums is
63,0001.; tue 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 reversionary addition to the original sum assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

tonna-,
a, Annual ,Policy''' Bonus in taunt Re-
Age.1..40 • Pre- taken '
addition Bonus In dilution of
10 „, talum. out in, to Sum Cash. Annual
T Assured. Premium.
--- --- -'----
' £ s. 4. £ a d. .£ a. d.
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
1 4 s.d. 1/40 193 12 6 93 16 8 14 010
ill 1100f,,74 3 4 ' 1841 189 12 6 89 5 10 13 C 11
, 1842 162 16 8 76 18 4 11 8 3
1 1843 115 10 10 55 10 10 S 110
1 1844 77 19 2 18 IS 10 59 11
1845 66 15 0 44 10 0 4 10 I

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climates.
EQUITARLE FIRE OFFICE.
C api tal-600,0001.
(Incorporated under 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
7-remium to risk in Insurance against Loss by Fire has been so
;Teat, 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
.iifferent 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-
A•oached 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
-he Insured will determine the true Premium equitably payable, as
security against less for so great a calamity as fire, and the Insurer
is largely interested in this question, and will consult his interest by
supportin
A g a system where,
um by a careful combination of Classifica-
tion and Aver ge, the Prem will be proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its own
experience, from time to tirr 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 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 35. 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 National Loan Fund Life Assurance Society.
• Equitable Fire,
t• Both Offices.

ATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
S. NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURTH ANNUAL GENERAL MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
Office, at One o'clock precisely. The following is extracted from the
report, which is too lengthy for publication :
During the past year no claims have arisen from deaths in England,
and but two in Ireland—one for 5001. and the other tor 2801.—making
together 7001., which have been paid. This is far below the expected
mortality, and is 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, 1849, and
the 31st of %lay, 1850, was more than double the number issued in
the twelve months preceding.
Prop ,sals were made tbr 138 Policies, amounting to 52,9631.25. 6d.:
of these 121, comrrising 106 lives, were accepted for 45,125/. 65.
sixteen Policies lapsed, representing 6,0481., upon which 3201. Se.
was received by the Company in the shape of premiums
Since the c•rmmencement of the Company to the Ist of Tune last,
assurances were effected to the extent of 110,9721. 12s 6d., pro.
lucing in annual premiums 3,7321. its. 6d. Of these 54 lapsed,
amounting to 23,9901. 16s. fid., of which the annual premiums wers
7411. is., leaving the yearly income on the lst of June last equal ts
2,9911. 15s. lid.
'zinc° last meeting loans were applied for to the extent of 17,700/
but 1,1831. 115. 10,1. only was advanced.
The Directors were also highly gratified to report that within thr
last four months they had considerably extended their business or.
the Continent, having appointed, as Head Agent in France, Monsieur
de I'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 Archhish .p of Lyons, and Monseigneur Pandits, Eveque
de Langres, has already within the last three months effected a con
siderabie 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, liishop Morris, the Vice-
Chairman, Actuary, Secretary, and Medical Officers of the establish-
ment, the meeting separated. highly gratified at its present results
and future pros' ects.

OFFICE, EST A HASHED for the INSURANCE of all KINDS of
FRA'Ett 1Y in TOW.N or COUNTRY.
LOANS in som4 [O4 It—a than 100/., on apprnvetl
Per,onal Security and a Life P licy, are eranted by the ROYAL
F NIEFN' and GENERAL FIRE and LIFE ASSURANCE and
LOAN and AN YUI l'Y CoMPA NY.
Prosdectus,.s, and every information, may be obtained of the
Igents al all the principal towns, or at t:ie Head Office, 346, Straw-
London,

W NI. SHAW. Managing Director.