The Sun.
London, England, 1851-02-14 00:00:00

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Reef(lone* in Tropical Climates.
EQUITAIIIAI FIRE OFFiCE.
Capital-500,0C W.
(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 n, 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 to the risk.
The Equitable Fire Office will, by a constant anal% sly of its own
experience, from time to tit: 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 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 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 Office, or to any of its Agents.

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

C LERICAL, MEDICAL, AND GENERAL
LIFE ASSURANCE SOCIETY,

No 99, Great Russell-street, Bloomsbury.

The ANNUAL GENERAL MEETING of Proprietors will be
held at the Office of the Society, on THURSDAY, the 6th day of March
next, at One o'clock precisely, at which Meeting foul Directors and
one Auditor (on the part of the Proprietors) will be elected.

Any Proprietor desirous of proposing a candidate for the office of
director or auditor, must send the mime of such candidate to the Se-
cretary at least 14 days hefore th.e day of meeting. The ballot will
commence at Eleven and clnse at TiVo o'clock.

An Extraordinary General Meeting of Proprietors will also be
held at the same place, on the same day, at Ilalf.past One o'clock,
to take into consideration the propriety of altering part of the exist
int.; laws, regulaVons, and provisions of the Society, PurAtant to the
deed of constitution.

The election of an auditor on the part of the ASSURED will also
take place on Wednesday, the sth day of March. between the hours
of Eleven out Two o'clock. All persons ASSURED for the whole
term of life, and qualified to vote, are hereby referred to the con-
ditions endorsed on their policies tor information concerning the
candidate to be proposed.
GEORGE 11. PINCKARD, Resident Secretary.
February, 1851.

LONDON LIFE ASSOCIATION.
INSTITUTED 1806.
OFFICE. 81, KING WILLIAM-STREET.
President—Sir CLAUDIUS STEPHEN HUNTER, Bart.
Vice-President—CHAßLES FRANKS, Esq.
This Society is essentially one of Mutual Assurance, in which
the Premiums of its Members are reduced atter seven years.
The rate of reduction of the Premiums of the last year was
69 per sent., leaving less than one-third of the original Premium
to bo paid.
The Society also undertakes other descriptions of Assurance, in
which the Assured do not become Members, and having ceased to
allow any commission to Agents, the Society has been enabled to
reduce the Premiums for this class of Assurances to the following
very low rates :
Annual Premiums for the Assurance of £lOO.

Age As. d. Age £s. d. Age £ s. d.
20 1 13 7 35 2 7 d 50 4 1 2
25 1 17 0 40 2 15 5 55 5 1 0
30 2 1 5 45 3 G 0 GO 6 5 10

The Court of Directors are authorised by the Deed of Settlement
o advance money on the security of Policies in this Association.
EDWARD DOCKER, Secretary.

ECONOMIC LIFE ASSURANCE SOCIETY
6, NEW BRIDGE-STREET, BLACKIRIARS.
Established 1823.
Empowered by Act of Parliament, 3 William IV.
DIRECTORS.
::',FIAIRMAN—Right Hon. Sir T. FRANKLAND LEWIS, Bart., M.P.
DEPUTY .CELAIRMAN—HENRY FREDERIC STEPHENSON, Esq.
A Kingsford Barber, Esq. Sir Alex. Duff Gordon, Bart.
Arthur Kett Barclay, Esq. Archibald Hastie, Esq., M.P.
Henry Bernett, Esq. John Mendham, Esq.
Robert BlcldUlph, Esq. Charles Morris, Esq.
Thomas Edgar, Esq. William Routh, Esq.
AUDIToits.

Edward Charring,ton, Esq. I Captain Robert Gordon, R.N.
Francis Dumergue, Esq. John Gilliam Stillwell, Esq.
PuysictsN—John Ayrton Paris, M D., Cantab., Hon. D.J.L. Oxon.,
F.R.S., 27, Dover-street, President of the Royal College of Phy-
sicians.
SURGEON—Benjamin Travers, Esq., F.R.M., No. 12, Bruton-street.
Souctrox—Henry Young, Esq.. No. 12, Essex-street, Strand.
AcTuAttr —James John Downes, Esq., F.R.A.S.
. . .

.
The advantages offered by this Society are :
ECONOM Y combined with Security, and Lower Rates of Premintns
than those of any other office, which entitle the assured to participate
in the profits, and considerably lower than those of any other Mutual
Assurance Society.
The WHOLE of the PROFITS are divided every fifth year among
the Assured, and a Bonus is added, after the payment of the Fifth
Annual Premium to every Policy effected on the participating Scale,
if a claim accrue thereon prior to the next division of profits.
Tile BONUS declared in ISO (arising from the whole of the pro-
fits), upon the Mutual Principle, averaged 621/, per cent. on the Pre-
miums received.
LOANS granted on such Po]
The Assurance Fund excr
annum.

licies as are purchasable by the Society.
,eds 1,000,0001. Income 180,0001. per

The subjoined Table shows t
resulting irom low Premiums,
among the Assured:—

the advantages offered by this Society,
, and a division of the entire profits

.
vho 0 b i* g .t,.4.
,-9 0 zs: ..'.,io --d
, ~:-.4..,.0 -id
Age —,.0.44.1.1.'..,..2 Fill° —o' 4 .E 08— •! • '
at 48..9 E .e•,...§E g be: N g;t:1.:.4;2'4,:;;.: ie
Eutry,E. :,=.2.0. 2 ~,,-, EZ g•F 5,,....:°,7H-_,g,,,,•p,,-.1.:;(6
~.4Z,1
iggi ,l'•^ •5 . ° g ! lki,
G. -0 Crl H
Z. 8. el. £ £ £ Z• I X
20 2" 15 10 1260 260 108 36 1404
30 26 13 5 1205 205 110 36 i 1375
40 13719 6 1140 140 118 33 ; 313.
50 I -,5 60 : 130 30 , 129 1 30 11209

Prospectuses and full particulars may be obtained on application to
ALEXANDER 3IACDONALD, gecretary.

DR. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row ; Carvalho;
t 47, Fleet-street; Mann, 39, Cornhill ; or direct from the Author ,
price One Shilling each ; by post, ls. 6d,
ENJOYMENT OF LIFE.
',mealy', Recreation, and ratienal Use of Time."
Corrnuis :—Early Rising—Spring and Summer Mornings—Ex-
mrsions about the Environs of London—The Parks, Lanes, Hills,
Forests, Fields, High-roads, and other pleasant places—Country
trips and Rambles—The Sea—London at Night—Evening. at Home
—Music—The Drama—On Eating, Drinking, Bleeping, Bathing, Air,
Rest, Ease, Occupation, &c., &o.

FRAGMENTS FROM THE MOUNTAINS, Two Vols.
Vol I.

VISIT TO THE LAKES; SKETCH:OF EDINBURGH, ao

Vol. 11.

THE LAKES OF KILLARNEY; .R.EMENISCENCES OF
DUBLIN, he.
WHAT TO EAT, DRINK, AND AVOID.
"That three seore years and ten our course may ron..,
A PePular review of almost every form (cause and cure) of ner.
icosly-debilitated health and enfeebled constitution, that harasses
the young, besets the man of pleagnre, business, or study, and ern_
littera old age, with tables and rules for the diet and physical regu_
titian of every-day life.

Iv.
THE PASSION. S.
" What passions hurt the body—what improve,
Truths as relined as Athens ever heard." •
iiusszoT : -Life's pilgrimage, from infancy to old age. The advent
ofthe
licentiousness and dissipation, with illustrations, graphic,
narrative,
P24Bl°llB' Chastity and its infringements. The casualties of
and remedially°. Advocacy of early marriages.

" To be or
THE MARRIAGE STATE.
nbe, that is the question."
PSOGIUMM:—Laws and obligations of nature, society, and ro-
Ligion regarding marriage, to be observed by either sex.
Time and
.:hoice, on both sides, as to age, temperament, complexion, and
ignrc, to secure healthy offspring, with the art of rearing them.
Physical defoctiveness and its removal. Sterility and its conversion.
oases, Esc.
By R. J. CI7I.VERWELL, M.D. (1841), 31.R.C.5. (1827), L.S.A.
1824). Twenty-five years Medical and Forensic Ecnoree in these
in% WI. Reseption hours dimly tiii tiva snnings. wen YW Walt.
10 driall-place; Regeat-street.