The Sun.
London, England, 1851-05-20 00:00:00

EXAMPLES OF BONUSES ALREADY DECLARED.

i i'ernia.
.t.O Annual Policy Bonus in vent Re.
Age. 5 ic! Pre- taken addition Bonns in Auction of
. g Mlll2l. alit in to Sum Cash. Annual
an
Assured. Premium.
£ s. 41. I s d. I 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
.£- A s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 344 1 1841 189 12 6 89 510 13 gll
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 110
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 Climate&
EQUITABLE FIRE OFFICE.
Capital-500,0001.
(Incorporated under 7 and S Vict., cap. 110.)
The leading principles of this Office are—Moderate and equitable
Rates 01 Premium for each class or rist —A.nnual division of Profits.
The difficulty of collecting the elements on which to proportion
rremium 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-
goached through Classification and Average, which has not hitherto
been sufficiently acted or systematically applied.
Whatever be the nominal rate, the bonus or return periodically to
the Insured will determine the tree 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 Office will, by a constant analysis of its own
experience, from time to tirre, 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 Clasen.
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

t Natimnal 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 500/. and the other for 2601.—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, 1449, and
the 31st of May, 1650, was more than double the number issued in
the twelve mouths preceding.
Proposals were made for 138 Pelicies, amounting to 52,9631.25. 6d.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
gixteen Policies lapsed, representing 6,0481., upon which 3201. 3s.
was received by the Company in the shape or premiums.
Since the commencement of the Company to the Ist of June last.
assurance were effected to the extent of 110,9721. 125 6d., pro-
ducing in annual premiums 3,7321. I is. 6d. 01 these 54 lapsed,
amounting to 23,9901. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the Ist of June last equal to
2,99

c. 15s. 11d.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,183/. 11s. 10d. 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'Etaug, 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.
siderable 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 future prospects.

THE LONDON INDISPUTABLE LIFE
JL POLICY COMPANY.
No. 72, Lombard-street *and 24, Connaught-terrace.
TRUSTEES.
Richard Spooner, Esq., M.P.
J. Campbell Renton, Esq., M.P. I James Fuller Madox, Esq.
Richard Matins, Esq., Q.C. William Wilberforce, Esq.
The POLICIES are I NDI4PUTABLE, in terms of the Deed of
Settlement of the Company, duly registered, and are not, therefore,
dependent for their validity on the construction to be put upon pre-
vious statements or the official papers which preceded them, or upon
reports, prospectu,es, or other varying documents. They are thus
rendered CERTAIN FAMILY PROVISIONS, AND NEGOTIABLE
DOCUMENTS OF SECURITY.
Owing to this Important improvement in the practice of life
assurance, the progress of this company has been rapid from the
commencement of its business, and is steadily advancing.
ALEXANDER ROBERTSON, Manager.

thrsattlseveAryl AIiA
ANCOI-bioldNy
invention Lth Lt ABf Ulte.
can doubtve
labour usually supplied by men is for the moment injurious to the
labourers it displaces, but in the long run it leads to the employment
of a larger number. Every improvement temporarily injures a class.
The railroads deprived thousands of coachmen, guards, and horse-
kepeeri of employment, but there are now more drivers, conductors,
and horse-keepers than ever there were in the good old times of four-
horse coaches, while there has been tens of thonsands of labourers
employed in forming the railroads, and nearly :is many permanently
employed as porters, police, station-masters, and clerks, to say no-
Piing of the enOteers employed constantly in making engines, and
afterards drivin them ; in short, it must be borne in mind that all
the m willions expended on railroads waS spent in labour. The very
ironstone in the bowels of the earth, was worthless until raised by
labour, converted into iron by labour, formed into rail, ant wheels,
and carriage springs by labour, and all in our own country Look at
the mills and machinery employed in making cloth. The effect was
to make cloth better and cheaper than when it was all done by hand,
and this very improvement in cloth caused thousands to be employed
in making it up. Step into the gigantic establishment of E. MOSES
and SON, and you will see more good clothes than you would expect
all London contained. Consider the hundreds that are constantly
emple3 ed by that firm alone, and its vast importance will at onc
ofe
be apparent. By adopting a system of buying largely, by means
a large capital, and keeping hundreds of the best hands constantly
employed, they have accomplished one of the most inwortant changes
that was ever knows. Adopting besides all this a plan of
taking small profits, they have placed every man in a position to
command, however limited his income, good clothing appropriate
'o his situation, while the higher classes may, by paying cash, save
nearly half of the amount which they used to be charged for ordi-
nary-dress, and the more extravagant they are the more they save,
whether it be in their own dress or that of their livery servants.
The officers in the army, navy, and civil service can save forty per
cent. in their outfits, and be better served ; in fact, every article of
dress, from the most costly to the most econom!Cal, is equally
cheap at the price charged, and their warehouses are at this moment
heavily stocked with every variety of summer fashion, adapted for
all classes, while the facilities they possess enable them to measure
and make up any quantity of clothes in an incredibly short time.
A handsome Almanac, for the year 1851, can be had gratis, on

application.
The new edition of "Everybody's Book, containing a full report
if the late important trial, may be had gratis, on application, or by
otter, post tree.
E. MOSES and SON have no connexion with any other house in
,r out of London, except the following :
London City Establishment, 154, 155, 156, and 157, Minories, 83,
84, 85, and 86, Aldgate, opposite the Church, all communicating.
London West-end Branch, 506, 507, 508, New Oxford-street, 1,2,
and 3, Hart-street, all communicating.
Bradford " Yorkshire" Branch, 19, Bridge-street.
Sheffield Branch, 36, Fargate.
Tailors, Clothiers, Hatters, Hosiers, Furriers, Boot and Shoe-
makers, and General Outfitters for Ladies and Gentlemen.
The Establishments are closed from sunset Friday to sunset Sa-
turday, when businaas is rosrmed till Twelve o'clock.
Ici I'on parle Francaise. Qui si parla Italiano.
Hier sprieht man Deutsch. Aqui se habla Espanol.