The Sun.
London, England, 1851-05-06 00:00:00

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE INSURANCE COMPANIES
26, CORNIIILL, 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, t*Edmtind S. Symes, Esq.
*Ralph Gough, Esq. t*Clement Tabor, Esq.
4.lif. C. Maher, Esq. t Joseph Thompson, Esq.
*John Moss, Esq. t*Augastus Vigno, Esq*
AUDITOR.
{Professor Wheatstone, F.R.S.
PRISICIAN.
f 3. Elliotsen, M.D„ F.R.S„ 37, Conduit-street.
SURGEON.
{*E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
t*W. S. B. Woolhonse, Esq., F.R.A.S., &e.
SECRETARY.
*D. T. Lyons Clanchy, Esq.
SUPERINTENDENT.
*W. A. llawkins, Esq.
RANKERS.
{*Messrs. Glyn, Hallifax, Mills, and Co., 67, Lombard-street.
SOLICITORS,
tMessrs. Sutton,. Ewens, Ommanney and Prudence, 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 may be renewed without fine, on proof of health
and payment of arrears of Premium without interest.
Notices of Anignuaent of Policies registered and acknowledged,
so as to make theni available as secnilties ii tha ?Lands:Jig-
third ppties— • • •
• Na Mitre/ice Fees orally other charge beyond the Policy Stamp.
The present naval income of the Society from Premiums is
63,0001.; toe 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 sam assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

Perma-
-1.4 Annual Policy Bonus in aent Re-
Lge. fl g
mrtre-.
out
tkeinn atoddsnm ition BC
,n du
An
ctinounal of
7) Assured. Premium.
----- ---------
d 111888444032
111961532 11062
1680 17 8 8
X s. d. £ s d. 4 s. d.
1837 292 6 9 139 16 9 22 13 1
1838 267 11 4 126 17 2
x s
5... 1839 241 18 6 113 17 7
19 19 7
14 0 10
11 8 3
8 1 10
60 1000 74 8 4 1841 189 12 6 89 510 13 811
, 1844 77 19 2 38 15 10
857563 1088 1048
5 9 11
1 1845 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. no.)
The leading principles of this Office ara—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 he 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 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 be proportioned
analysis to theef its own
risk.
The Equitable Fire Office will, by a constant
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 filly 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 Pronerty on moderate terms.
Farming Stock insured at 33. per cent, without the Average Clause.
prospectuses, and every information may be obtained, on applica-
tion at the (Me, or to any of its Agents.

t Natienal Loan Fund Life Assurance Society.
* Equitable Fire.
f* Both Offices.

ONE PAYMENT FOR THE WHOLE OF LIFE.
THE RAILWAY ASSURANCE COMPANY,
for granting Assurances upon Payment of a Single Premium
against Loss of Life or other Personal Injury arising from Railway
Accidents. Incorporated under the Act of Parliament, 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-
newa lot' 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 hike
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 1001. 0/. ss. For every Policy of 1,0501. 21. 2s.
„ 500/ I 11. ss, 9l ~ 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.

ATHOLIC 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 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, 1249, and
the 31st of May, 1850, was more than double the number issued in
the twelve months preceding,
Proposals were made for 138 Pelicies, amounting to 52,9631.23. 6d.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
Sixteen Policies lapsed, representing 6,0481., upon which 3201. 35.
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. 123 6d., pro-
ducing in annual premiums 3,7321. 115. 6d. Of these 54 lapsed,
amounting to 23,9001. 16s. 6d., of which the annual premiums were
7411. Is., leaving the yearly income on the let of June last equal to
2,9911. 15s. I Id.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. I Is. 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 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 proarects.

UTILITY AND ORNAMENT
Cos4ly thy habit as thy purse can buy,
But not express'd in fancy ; rich—not gaudy ;
For the apparel oft proclaims the man.
HAMLET.
Utility and ornament are the two essential purposes which dress
is intended to serve ; and it is impossible to make an observation of
natural objects, without seeing and acknowledging that art in this
respect is but the copyist of nature. The world is a wide wardrobe,
which fural hes an infinite variety of clothing for its equally infinite
variety of objects. There is, perhaps, not an object in the whole
round of creation, animate or inanimate, which does not set man an
example in point of utility and ornament. Nature not only clothes
her creatures with useful and ornamental dress, but, likewise, sup-
plies a degree of instinct necessary to a careful preservation of
her gifts.
If we want to notice objects in which nature has more particularly
displayed her decorative hand, we have but to turn our eyes for
such examples of beauty in innumerable varieties to appear.
The vegetable kingdom, which at this season of the year under-
goes so beautiful a resuscitation, presents to the view all that is
delicate and elegant ; and every tinted petal is a proof that orna-
ment is one of nature's essential elements. The dof the ocean is
rich with shells, which, while they protect their obcecupants, possess a
deepness of dye and a variety of blending colours, such as defy the
utmost efforts of the pencil even to approach.
The feathered race is also a striking instance of the regard which
nature has to beauty of appearance. The golden eagle that sears in
the blaze of sunshine, as if proud of its beauty. and the many-co-
loured goldfinch trimming its plumes by the brook-side, are but in-
stances of the pains which nature takes in decorating her children.
There is not a part of the civilised globe, however remote, whose
inhabitants do not emulate nature, more or less in point of utility
and ornament.
It is true the particular form of attire varies in different countries
as much as features and complexion ; but, still, the principle, pre-
vails, and personal protection and adornment are studied by all.
The present is a singularly favourable opportunity for observing
the different notions of the different nations in attire. The scene
which London and its suburbs now presents is motley in the ex-
treme. Our public highways and assemblies display an interesting
conglomeration of characters. French, Asiatic, Austrian, German,
Russian, Prussian, American, Bohemian, and Italian are so inter-
mingled, that we can make onr observations on the customs and cos-
tumes of the various tribes of the earth without incurring the trou-
ble and expense of travel.
It must be evident to everybody, that, amid all this diversity of
dress, the beautiful and serviceable attire of HYAM and Co., is pre-
eminently superior for utility and ornament. All that taste and
elegance in which Franco is so undoubtedly gifted are inimitably
displayed by HYAM and Co., in their present stock of gentlemen's
dress ; and the daily-Increasing favours which the proprietors receive
are sufficient proof that HYAM and Co.'s style and make in dress
are regarded in no less a light by the public at large.
Possessing, as HYAM and Co. do, all the necessary qualifications
both for purchase and in mufacture ; and havidg at command a ca-
pital commensurate with the vastness of their tenfold speculations,
little doubt can remain on the minds of the most incredulous as to
the valid character of the Proprietors' assurances.
Ornament and utility, however naturally desirable, and however
essential (tor such they are), should nevertheless be ensured by the
seller, and secured by the buyer, at as moderate an expenditure as
possible. And here lIYAM and Co. would lay particular emphasis
—cheapness is one of the ruling elements of their system, and has
ever been a feature prominently marked at their Establishments,
the fashions of which are pronounced by the best judges to be inimi-
table specimens of utility and ornament.
HYAM and Co., Tailors, Clothiers, and Manufacturers.
West-end Establishment, London • • —B6, Oxford-street.
City Establishment, London ......36, Gracechurch-street.
Provincial Establishments.
Manchester-63, King-street. Hull-17, Market-place.
Manchester —26, Market-street, Bristol-42, Wine-street.
Liverpool-63 & 65, Lord-street. Glasgow-48, Argyll-street.
Birmingham-23, New-street. Dublin-30, Dame-street.
Leed3-4; Briggate.