The Sun.
London, England, 1851-03-11 00:00:00

EXAMPLES-OF BONUSES ALREADY DECLARED.

Perms-
.,l ~7 Annual Policy Bonus in nent Re-
Age. z 2'. Pre- taken addition Bonus in sluction of
g mttun. eut in to Sum Cash. Annual
m Assured. Premium.
_--
X s. d. X s d. X 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
X Xs.d. 1840 193 12 6 93 16 8 14 010
60 j 100074 3 4 1841 189 12 6 89 510 13 tll
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 5 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-500,0U01.
(Incorporated under 7 and 8 Viet., 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 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 Insurance can only be ap-
proached through Classification and Average, which has 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 less 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 Offilce will, by a constant analysis of its own
experience, ftom time to tier 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 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 Ellock 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.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
8, 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 Englanf..
and but two in Ireland—one for 5001. and the other for 260/.—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, 1549, and
the 31st of Stay, 1850, was more than double the number issued In
the twelve months preceding.
Proposals were made for 138 Policies, amounting to 52,9631.25. 6d.:
of these 12t, comprising 106 lives, were accepted for 45,1251. 6s.
Bzixteen Policies lapsed, representing 6,0481., upon which 3201. 3s.
was received by the Company in the shape of premiums.
Since the commencement of the Company to the Ist of June last,
assurances were effected to the extent of 110,9721. 12s 6d., pro-
ducing in annual premiums 3,732/. lie. 6d. Of these 54 lapsed,
amounting to 23,920/. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the Ist of June last equal to
2,991/. 15s. 11d.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. lls. 103. only was advanced.
The Directors were also highly gratified to report that within the
last four months they had considerably extended their business on
the Continent, having appointed, as Head Agent in France, Monsieur
de l'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 Archbishop of Lyons, and Monseigneur Parisis, Eveque
de Langres, has already within the last three months effected a con•
siderablo 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, Bishop Morris, the Vice-
Chairman, Actuary, Secretary, and Medical Officers of the establish-
ment, the meeting separated, highly gratified at its present results
and futare prospects.