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

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE DTSURANCR COMPANIES
26, CORNHILL, LONDON.

DIRECTORS.
t*T. LAMIE MURRAY, Esq., Chairman.
*W. A. B. Bennett, Esq. *John Rawson, Esq.
*Hugh Croft, Esq. *John Shaw, Esq.
tElliotson, M.D„ F.R.S. tsEdmand S. Sy-mes, Esq.
*Ralph Gough, Esq. t'Clement Tabor, Esq.
*M. C. Maher, Esq. t Joseph Thompson, Esq.
*John Moss, Esq. t*Augustus Vigne, Escr
AUDITOR.
Professor Wheatstone, F.R.S.
PHYSICIAN.
tJ. Elliotson, M.D„ F.R.S„ 37, Conduit-street.
SURSEON.
PM. S. Byrnes, Esq., 77, Grosvenor-street, Grosvenor-square.

ACTUARY.
t'►W. S. B. Woolhouse, Esq., F.R.A.S., &c.
SECRETARY.
•D. T. Lyons Cianchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
BANNERS.

142dessrs. Glyn, Hallifax, Mills, ant Co., 67, Lombard-street.

Button, Ewens, Ommanney and Prudeince, 6, Basinghall-

" -
street.
*W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-500,0001.

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 maybe 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 -is- the lauds
third parties.
Entrance Fees or any other charge beyond the Policy Stamp.
The present nnnal income of the Society from Premiums is
63,0001.; the 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 cont. 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.

Perma-
.4 Annual Polley Bonus in neut Re-
Age. 0 Z Frne- taken addition Bonus in duetion of
051 mium. out in to Sum Cash. Annual
co Assured. Premium.
—I
A s. d. £ s d. A s. 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
I As.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 344 1841 189 12 6 89 510 13 $ll
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 under 7 and 8 Yid., cap. 110.)
The leading principles of this Office are—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 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
true risk be made. To secure this object the Equitable Fire Insu-
rance Company is established.
The true rate of Premium for Fire Insarance can only be ap-
?roached through Classification and Average, which has not hitherto
been sufficiently acted en, or systematically applied.
Whatever be the nominal rate, the bonus or return periodically to
the Inslired 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 Office 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 fifty 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 Nati4nal Loan Fund Life Assurance Society.
* Equitable Fire.
t* Both Offices.

ANNUAL DIVISION OF PROFITS AND iLAEGE REDUCTION

OF PREMIUMS..
HAND-IN -HAND FIRE and LIFE
INSURANCE SOCIETY.

No. 1, New Bridge-street, Blackfriars, London.
Instituted in 1696. Extended to Life Insurance, 1836.
IMMEDIATE, DEFERRED, AND SURVIVORSHIP
ANNUITIES GRANTED.
DIRECTORS. 1
The Hon. William Ashley. E. Fuller Maitland, Esq.
The Hon. Sir Edward Cost. The Hon. Ckas. John Murray.
John Lettsom Elliot, Esq. William Scott, Esq.
James Esdaile, Esq. John Sperling, Esq.
liarvie M. Farquhar, Esq. Henry Wilson, Esq.
John Gurney Hoare, Esq. , Robert Winter, Esq,
AUDITORS.—The Hon. Col. Cust, Thos. Fuller Maitland, Esq.,
James Esdaile, Esq.
11xxxEas.—Mesrs. Goslifigs and Sharpe, 19, Fleet-street.
PUYSICIIN.—Thomas K. Chambers, M.D., I, Hill-street, Berkeley-

square.
SOLICITOAS .—Messrs. Lumley, Nichol], and Smyth, IS, Carey-
street.
AcTuAßY.—Jarnes M. Terry, Esq.
EICHETARY.—Robert Steven, Esq.
FIRE DEPARTMENT.
Although the lowest rates of premium consistent with security
have been charged by the Office, it has for many years been enabled
to make very large returns to septennial Insurers.
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 live
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
Division.

1842
1843
1844
1845
1846

Rate of
Abatement.

£45 per Cent.
45 „

45
IP,

50 „

Years of Rate of
I Division. Abatement.

1847 £5O per Cent.
1848 50 ~
1849 52% ~
1850 52% ~

A Policy taken out on or before the 24th of June, 1045, at an an-
nual premium of 1001., will consequently be charged 471. 10s. as this
year'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
beoome members

That persons who are wi]
can insure at a lower rate t

The followi
mium made b:
years in force

ing table will
)y the Society

Age when
Insured.

lling to forego participation in the profits
than that charged to members.
show the effect of the reduction of pre-
on Members' Policies that have been five

Annual Premium
for first five years.

Reduced
Premium.

30
40
30
40
45
40
45

100
100
500
500
1000
2000
5000

X g. d.
2 13 5
3 7 11
13 7 1
16 19 7
38 19 2
67 18 4
194 15 10

X 0. d.
1 5 6
1 12 3
6 7 0
8 1 3
18 10 1
32 5 2
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 mere than one-third of the present policy, with any
additional outlay.

ROBERT STEVEN, Secretary.

ONE PAYMENT FOR THE WIIOLE 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 tie Act of rarliament, 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 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 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 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/. 0/. 55. I For every Policy of 1,000/. 2/. 2s.
91 fe 500/. 1/. ss, le ff f 2 000/. 4/. 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 mil GENE-
RAL LIFE ASSURANCE SOCIETY, X. Regent-street,
Waterloo•place,, London

TRUSTEES.
Spence Horatio Walpole, Esq., Richard Spooner, Esq., M.P.
M.P P. Edward Vansittart Neale, Esq.
Henry Peter Fuller, Esq.

DIRECTORS.
Thomas Littledale, Esq.
Ed ward Lomax, Esq.
Samuel Miller. Esq.
Edward Vanslttart Neale, Esq.
Sir Thomas N. Reeve
William Studley, Esq.
Endowments. Three-fourths of
I. Prospectuses, post-free, on ap-

Samuel Driver, Esq.
John Griffith Frith, Esq.
Henry Peter Fuller, Esq..
John Palk Griffin, Esq.
Peter Hood, Esq.
Capt. Hon. G. F. Flotham, R N.
Life A surancei. Annuities, an,
profits divided amongst the assure
plieation.

F. FErti

IUSON 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 Harkey, Jun., Esq. Baron L. de Rothschild, M.P.
This Association offers the following advantages :
The Mutual Principle 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 FROSI ANY OTHER
CHARGE WHATEVER.
By order of the Board,
PHILIP HENRY* BYRNE, Secretary.
42, Moargate•street, March 29, 1851.
Parties desirous of becoming Agents for Towns where none have
been hitherto appointed, are requested to make application W the
secretary.