The Sun.
London, England, 1851-05-28 00:00:00

CAPITAL-5tX0,0001. r.
The WITHDRAWAL TABLE of the Society affords to the Asq
sured the greatest possible present and prospective advantages that:
can be conferred by Life Assurance. On this Table' the Assured ise
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 byi
simple endorsement thereon ; or the half Premium may be with-;
held during the whole continuance of the Policy. Also,' in thei
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.
Notleamof Assignment of Policies registered and acknowledged,l
Ili as to make. tarai available as securitie6 in the hands of,
third parties: ‘, „
N. Entrance Fees or any Other' eurgsberktind the Polley Stainp.
The prompt- flannel -incotian `ol'he- lieniety,from-.Eretniams—ttk
fib 0001,; the luxtoant covered by the Policies of the Society is
1,781,5801.• andlte reserved profit, applicable to future bonus to;
the Assured, amounts to 82,4541. ss. 6d. At the last annual inves-I
tigation, reported in May, 1850, the bonuses declared to the As-i
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
•

Forma-
~, Annual Policy Bonus in . Dent Re-1
Age. iii 4 Pre- taken addition Bonus in duction oil
0 ,T, minx. out in to Sum Cash. Annual ,
z Assured. Premium.:
-.-. i -----..
1 A s. €l. X s d. X s. dJ
•- 1837 292 6 9 139 16 9 22 13 L
1833 267 11 4 126 17 2 19 19 7'
' 1839 241 18 6 113 17 7 17 8 83
X A s.d. ' 1840 193 12 6 93 16 8 14 -0 10,
60 100074 84. 1841 189 12 6 89 510 13 SIL
_ 1842 162 16 '8 76 18 4 11 8 31
1843 115 10 10 55 10 10 8 1 101
1844 77 19 2 88 15 10 5 9 IL
• 1845 66 15 0 44 10 0 4 10 I.

Extensive Travelling Leave granted without extra Premium `
Moderate extra Premium for Residence in Tropical Climate*.
EQUITABLE FIRE OFFICE.
Capital-500,000/.

(Incorporated under '1 and 8 Vict., cap. 110.) •
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 be made. To secure this object the Equitable Fire Insu-•
ranee 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 iu 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 tariffis 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 Clause.
Prospectuses, and every information may be obtained, on applica-
tion at the 01tice,•or to any of its Agents.

t National Loan Fund Life Assurance Society.
* Equitable Fire,
t* Both Offices.

SECURITY TO EMPLOYERS.'
PUBLIC GUARANTEE.
To Secretaries of Public Institutions, Clerks, Station Masters, Rail—
way Officials, Banker's Clerks, Travellers, Collectors, and others.
THE TIMES LIFE ASSURANCE AND GUARANTEE
COMPANY.
32, Ludgate-hill, London.
Incorporated under Act of Parliament.
HONORARY PRESIDENTS.
Charles Ilindley, sq., M.P., Dartmouth House, Westminster.
James Kershaw, Esq., ..P., Stockport. _
TRUSTEES.
James Alexander Douglas, Esq., 11, Queen-square.
Ambrose Moore, Esq., Endsleigh-street, Tavistock-ssmare.
James Nisbet, Esq., Bemers-street, Oxford-street.
The Hon. FRANCIS VILLIERS, CHAIRMAN, Berkeley-square.
JAMES W YLD, Esq., M.P., DEPUTY-CHAIRMAN, Chariskg-cross.
"THE TIMES" Company affords Guarantee to persons requiring
the sameat the lowest possible rate, and after the first three years,
Annually Divides Four-fifths of the Profits.
Thus by applying the justly popular principle of Mt ;Wanly to.
Public Guarantee, the Premiums, instead of being a. tax upon:
honesty, become a means of saving and investment.
RATES—From 7s. 6d. upwards. No charge for Sl:a .mps.
An allowance made in the Guarantee Premium where a Life As.•
snrance and Guarantee are combined.
LIFE ASSURANCE.
Life Assurances, Annuities, and Endowments. Payn ei .ntS taken
Monthly as well as Quarterly, &c.
Policies Indisputable save in cases of Fraud..
Arrangements can be made with this Office to prevent .e loss of w
Policy where the Assured is unable, from temporary emb, ti rassrnent,
to keep up the payments

11. B. SHERIDAN, .ki anager.

INSURANCE AGAINST RAILWAY' ACCI
DENTS.—GREAT EXIIIBITION EXCURSION tiPs.
The Directors of the RAILWAY PASSENGERS' AS! 11JRANCE
COMPANY have made arrangements for the issue of EX C URSION
TICKETS, to cover the risk of the journey both ways, irr, ss.pective of
distance, in Excursions to or from London. These tic tag insure
2001., payable to the executors or next of kin in the even ,t of eath,
with proportionate compensation in cases of personal injt try byd rail-
way accident, at a premimh of Twopence, and are available for any
class carriage.
The Periodical Tickets of this Company cover the risk of 'Excursion
Trips, as well as travefling by the ordinary Passenger (Tains, and
insure 1,000/. at an annual premium of 20s.
2001. " 6t ss.
These tickets are all obtainable at the Company's Offi ma, 3, Old
Broad-street, London ; and the Excursion Tickets will i likewise be
issued by the Company's Agents in the principal towns throughout
the country, where Excursion Trips may be determined ht.
The distinctive features of this Company are :
I. It is empowered by special Act of Parliament, 12 a rid 13 Vic-
toria, cap. 40.
2. It has a sub:cribed capital of one million sterling, as as guarantee
to the assured.
3. In the premium charged the stamp duty is included.. which is
paid to Government by the Company.
In these respects it is peculiar, and distinguished from n 5 1" existing
Railway Assurance Company.
ALEXANDER BEATTIE, SR, hetary.
3, Old Broad-street, April 22, 1851.

DR. CULVERWELL'S NEW TiTORKS.
To be had of Sherwood, 23, Paternoster-row ; ,Carvalho;
147, Fleet-street; Mann, 39, Cornhill ; or direct from I 21. 3 author ,
price One Shilling each ; by post, is. 6d.
ENJOYMENT OF LIFE.
"Health, Recreation, and rational Use of Time."'
Cowrmrrs:—Early Elartg—Spring and Summer Morals gs—Ex-
rursions about the Environs of London—The Parks, Lam s, Hills,
Forests, Fields, High-roads, and other pleasant places— Country
Nips and RaM'oleS—The Sea—London at Night—Evening.. at Home
—music—The Drama—On Eating, Drinking, Bleeping, Batting, Air,
ilc,st, Ease, Occupation, Fie., Soo.
U.

FRAGMENTS FROM TEE M OUNTAINS. Two V oLw
Vol L

L VISIT TO TEE LAKES; SICETCH_OF EDINEUR4 U, ha.
Vol.Ef.

RElbilluscraircit t or
VIE LAKES OF KILLARNEY;
DUBLIN, &e.
WHAT TO EAT, DRINK, AND AVOID.
"That three seore years and ten our course may rum, "
A popular review of almost every form (cause and cure) of ner-
vously-debilits.ted health and enfeebled constitution, ha
drasses
the young, besets the man of pleasure, business, or study,t : an em-
bitters old age, with tables and rules for the diet and :al regu.
ation of every-day life.
Tl 7

THE PASSIONS.
.4 What passions hurt the body—what improve,
Truths as refined as Athens ever heard!'
SIIIIIECT -Life's pilgrimage, from infancy to old age. 'hi advent
ofthe passions. Chastity and its infringements. The c: sst Wiles 0.
licentiousness and dissipation, with illustrations, graphic, asirrative,
and remediative. Advocacy of early marriages.:

THE MARRIAGE STATE.
" To be or not to be, that is the question."
Inoazipors :—Laws and obligations of nature, melt It:7, and re-
Wen regarding marriage, to be observed by either sex. Time and
choice, on both sides, as to age, temperament, comp it +atom, and
figure, to secure healthy offspring, with the art of rea ring them.
Physical defectiveness and its removal. Sterility and its a mversion.
Oases, Bm.
By R. 3. CI7LVERWELL. M.D. (1841), M.R.C.13. (11 d 7), L.S.A.
1814). Twenty-flye years Medical and Forensic Refer Is a in these
matters. Res:oaten hours, 41.i1y till Ova. Evenings. ses o till nine.
13 4rayn-place. Racent-stread

DR. LA„.MERT ON THE SECRET INFIRMITIES , )1T YOUTH '
With Plain Direcl'lNDions forM AthTerßir Prevention and Cure. I
FIFTY COLOITRED ENGRAVINGS ON STE EIL.
hist eubtished F
. in
Italian, in a so
.aw' EnveloPrlnch, English, German, Dutch, F. t.anish, and
2a. 6d., or post-fre a, from the
Author, for forty_iwoe.
c•lELv.rit. atamps,
Medical Treatise
the Secret Infirrnitiea ESERVATI ON; a
, the Physiology of Mari rage, and on
on
:o,:rany period of life, wl rich destroy
uscellY acquired at an Disorders of Youth ar "d" Maturity,
feelings, and exhaust the vitaiers;:i
the physical and mental diminish and enfeebl a the natural
prevention
of Manhood ; N rith Practical
Constitutional
and successful ' Treatment of.
T.,,:enstitutional Weakm as, Syphilis,
Observations on the certain
EiNtrierveturouse,Daenbdillanty,DL:ecagelesana:d
Itriltements result', g frotn Ind's-
Wird, and other e) a tinent mem-
Fifty coloured Engravings,
action, as adopted by Lallemand,
mem-
bers of the faculty in France.
Illustrating the Anatomy, rhysiology
productive Organs, explaining their eti:aXid Diseases . of the lie_
"nce:segEDFORD-8 QU AR E. LODN" Ci ic
and Infection.
habits, BY and the various injuries that
LareiapliEred7:73l.. uses, t u id Junctions,
*salty of Edin-
burgh, their by solitary
of Medicine. Matriculated Member of the Unit --. '-'
burgh, Honorary Member of the London Hespital Is
Licentiate of Apothecaries' Hall, London, Member 0• k"lical Society the Hunterian.
Medical Society of Edinburgh, &c., gee. t
This work contains a plain and complete descript lon of the
ana-
tomy and physiology of the reproductive organs, and s f their r
conditio in health and disease. The author, who has takelenetmive
highest medical honours, as evidenced by the diplon 34 Is and teei-ii;-•e
vials inserted in the work, is the only legally qualif e d medical Than
who °-
who has exclusively, and for many years, devoted his studies to
the treatment of these complaints. He may be Co I suited with ad-
vantage by all those whose constitutions may have, become debili-
tated the
secret practices acquired in youth, or by the excesses
of later years, whereby the pleasures of life are rum Ted, the objects
of marriage frustrated, and existence itself rendered a term of un-
ceasing misery and regret.
. Published by the Author, and may be had of J. Gg ibert, 49, Pater-
noster-row; Hannay, 63, Oxford-street; Stacie, Ti tchborne-street,
• IHaymarket; Gordon, 146, Leacienhall-street ; Man n, 23, Cornhill,
or free by post for forty-two stamps, from the author': !residence, who
may be consulted on these disorders personally, or by letter, daily,
from 44 Wtwo, ala Om 14 till eight,
..