The Sun.
London, England, 1851-03-14 00:00:00

Extensive Travelling Leave granted without extra Premium
Moderate extra Pe
QUI ll"slam
A for Residence
IRE OFFICE in Tropical CliClimates.ETßLE F.
Capital-500,0401.
(Incorporated ander 7 and 8 Vict., cap. 110.)
The leading principles of thin Office are —moderate and equitable
Rates of Premium for each class of risk—Annual division of Profits.
Tie difficulty of collecting the elements on which to proportion
Premium to risk in Insarance 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 approximate' to the
true risk be made. To secure this object the Equitable Fire Insu-
rance Company is established.
The trite rate of Premium for Fire Insurance can only be ap-
?roached through Classification and Average, which kas not hitherto
been sufficiently acted on, 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 tire, 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 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 male 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 Chase.
Prespectases, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

fNationaitable l Loan
re Fund Life Amur= ce t3ociety.
Equ Fi
}* Both Offices.

REPORT of the DIRECTORS to the ORDI-
NARY GENERAL MEETING of MEMBERS of the
ENGINEERS, MASONIC, and UNIVERSAL MUTUAL LIFE
ASSURANCE SOCIETY. 1850.
The Directors have to report that during the year 1850 392 Pro-
posals for Assurance have been submitted to the Board, of which
323, assuring the suni of 85,5251., and producing Annual Premiums to
the amount of 2,562/. 15s. 5d., have been completed. The Directors
have deemed it prudent to decline 31 Proposals for the sum of
14,8001., and 38 for the sum of 15,1001. stand over for the completion
or further consideration.
The number of claims from death during the year has been five,
and the amount paid upon these, and upon the claims which arose
in December, 1E149. is 2,250/. In all cases, when requested by the re-
presentatives, immediate payment has been made, subject to the
usual discount. TherO are not, at the present time, any claims upon
the Society.
The annual income derivable from premiums alone upon the

,174 policies completed to the 31st Dec., 1850, is 10,0761. ls. 4d.
Tile Directors feel great pleasure in beitag enabled t• submit this
very satisfactory statement, which cannot but enlist from the
public increased favour for the Society, and with the continued aid
of the members must advance its prosperity.
By order of the Court of Directors.
FREDERIC LAWRANCE,
Actuary and Secretary.
London, 345, Strand, opposite 'Waterloo-bridge,
March 4, 1851.

ONE PAYMENT FOR THE WHOLE OF LIFE.
THE RAILWAY ASSURANCE COMPANY,
for granting Assurances upon Payment of a Single Premium,
against Lose of Life or other Personal Injury arising from Railway
Accidents. Incorporated under the Act of rarliament, 7 and 8 Vie.,
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, vie.:—
For every Policy of 100/. 0/. ss. For every Policy of 1,0001. '2l. 2s.
5001. 11. 55.1 „ 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 and GENE-
RAL LIFE ASSURANCE SOCIETY, 27, Regent-streOC
Waterloo place, London.