The Sun.
London, England, 1851-03-18 00:00:00

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE INSURANCE ' COMPANIES
26, CORNIIILL, LONDON.
DIRECTORS.
tvr. LAMIE MURRAY, Esq., Chairman.

+W. A. B. Bennett, Esq.
*Hugh Croft, Esq.
tßillotson, INI.D„ F.R.S.
*Ralph Gough, Esq.
*M. C. Maher, Esq.
*John Moss, Esq.

*John Rawson, Esq.
*John Shaw, Esq.
Mldinnnd S. Symes, Esq.
t*Clement Tabor, 'Esq.
t Joseph Thompson, Esq.
t*Augastus Esq'

AUDITOR.
Professor Wheatstone, F.P..S.
PRYSICIAN.
Elliotson, M.D„ F.H.S„ 37, Conduit-street.
SUMMON.
t *E. S. Symes, 77, Grosvenor-street, Grosvenor- square.
ACTUARY.
*W. S. B. Woolhouse, Esq., P.R.A.S.,
SECRETARY.
*D. T. Lyons Clanchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
BANKERS.
PAresirs. Glyn, Hallifax, Mills, and Co., 67, Lombard-street.
SOLICITORS,
Messrs. Sutton, Ewers, Ommanney and Prudence, 6, Ba.singhall-
street.

*W. Tatham, Esq.,22,ihro,gmorton-strect.
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 Tan) the Assured is
entitled, at any time, to receive at interest an immediate advance,
to the extent of one-kalf 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 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 in the hands of
third parties.
Ice Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual 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 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.

Perron-
:4'3,g Annual Policy Bonny in neat Re-
Age. 0 !,... Pre- taken Addition Bonus in duction of
raw, iusa. out in to Sum Cash. Annual
"ii Assured. Premium.
---
X s. d. £ s d. £ 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 X s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 3 4 1841 189 12 6 89 510 13 811
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 I 66 15 0 44 10 0 410 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 S Vict., cap. 110.)
The leading principles of this Office era —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 cakulation.
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 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 bo 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 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 aro 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 National Loan Fund Life Assurance Society.
* Equitable Fire.
t* Both Offices.

ATITOLIC 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 England,
and but two in Ireland—one for 5001. and the other for 200/.—making
togethpr 7001., which have been paid. This is far below the expected
nsortAity, and is especially favourable, when it is remembered how
severely the life offices generally suffered from the epidemic of last
yam:
<-The number of lives assured between the Ist of June, 1549, and
the 31st of May, 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 123, comprising 106 lives, were accepted for 45,1251. 65.
Sixteen Policies lapsed, representing 6,048/., upon which 3201. 3s.
was received by the Company in the shape of premiums.
Since the commencement of the Company to the let of June last,
assurances were effected to the extent of 110,9721. 12s 6d., pro-
ducing in annual premiums 3,7321. Ile. 6d. Of these 54 lapsed,
amounting to 23,990/. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the Ist of June last equal to
2,9911. 15e. lid.
since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. lie. 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'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•
siderable amount of business, not only in Life Assurances, but in An-
nuities bath 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 filters prospects.

THE LONDON INDISPUTABLE LIFE
POLICY COMPANY.
No. 72, Lombard-street and 24, Connaught-terrace.
TRUSTEES.
Richard Spooner, Esq., M.P.
J. Campbell Renton, Esq., M.P. James Fuller Madox, Esq.
Richard Malin% I
Esq., Q.G. William Wilberforce, Esq.
The POLICIES are INDISPUTABLE, 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, prospectuses, or other varying documents. They are tints
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.