The Sun.
London, England, 1851-04-29 00:00:00

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE INSURANCE COMPANIES
CORNIIILL, LONDON.

DIRECTORS.
t*T. LAMIE MUItRIY, Esq., Chairman.

*John Rawson, Esq.
*John Shaw, Esq.
t*Edmund S. Symes, Esq.
t*Clement Tabor, Esq.
t Joseph Thompson, Esq.
t* Augustus Vigne, Esq•
AUDITOR.
trrofessor Wheatstone, F.R.S.
PLITSICIAN.
tJ. Elliotson, M.D„ F.R.S„ 37, Conduit-street.
SURGEON.
t"E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
t*W. S. B. Woolhouse, Esq., F.R.A.9.,
SECRETARY.
*D. T. Lyons Cianchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
RANKERS. _ . .

*W. A. B. Bennett, Esq.
•Hugh Croft, Esq.
tElliotson, M.D„ F.R.S.
•Ralph Gough, Esq.
*M. C. Maher, Esq.
•John Moos, Esq.

t*Messrs. Glyn, Halifax, Mills, and Co., 6i, Lombard-street.
NOLICITOES,
essrs. Sutton, Ewena, Omtnanney and Prudence, 6, Basinghall-

street.

*W. Tatham, Esq., 22, Throgmorton-st r eat.
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 Assigni.xent of Policies registered mad acknowledged,
so as to make them available as securities in the hands of
third parties. _ _

Ne Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual income of the Society from Premiums is
63,0007.; 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. Os. Gd. 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 ftom 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

1 Parma-
.;'..3 Annual Policy; Bonus in nent Be-
ige. 5
re„ ~
naFre- taken additioa Beans In dilution of
hm. out in; to Cum Cash. Annual
/2 I Assured. Premium.
7
X s. il. £ s d. £ 5. 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 A s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 344 1841 189 12 6 89 510 13 $ll
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 59 11
.. 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 8 Viet., cap. 110.)
The leading principles of this Office aro—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
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-
?roached through Classification and Average, which has not hitherto
been sufficiently acted en, 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 prcpertioned to the risk.
The Equitable Fire &Ice will, by a constant analysis of its own
experience, from time to time, adopt such rates of Premium as the
eature 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 Natintal Loan Fund Life Assurance Society.
* Equitable Fire,
t* Both Offices.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE comrANy,
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 2610/.—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, 1849, 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 52,963/. 25. 6d.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
sixteen Policies lapsed, representing 6,0481., upon which 3201. 3s.
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. 12s 6d., pro-
Jucing in annual premiums 3,7321. 11s. 6d. Of these 54 lapsed,
amounting to 23,9301. 16s. 6c1., of which the annual premiums were
7411. Is., leaving the yearly income on the Ist of June last equal to
2,9911. 15s. I Id.
Since last meeting loans were applied for to the extent of 17,700/.,
but 1,1831. I Is. 108. 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 Purists, 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 retnnaing
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.

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 rarliament, 7 and 8 Vie.,
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 llopkinson, 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 le f 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 his
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 100/. 0/. ss. I For every Policy of 1,0801. 21. 2s.
,t f, 500/. ss. 91 9, ? 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.

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 Medea, Esq.
I
Richard Malins, Esq., Q.C. William Wilberforce, Esq.
The POLICIES aro 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 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.

THE STATE OF TRADE.
Every one in trade must come down with his profits. The
landholder finds he must lower his rents, and he naturally curtails
his expenditure, he will go where he can buy cheapest. In the
end, perhaps, he finds he can save in his expenditure a good deal, if
not all, that he has been curtailed irk his income; and this saving
principle will descend through all classes, even to the labourer.
How necessary then must it be to prepare for the fall by timely sa-
vings; by carefully laying out money where it will go the furthest
and pro lace most ? It is not intended here to argue, whether in a
country like this, low or high prices are the best for the nation;
some politicians say, that where a large portion of our expenses may
be put under the item of taxes which are demanded in full, low
prices and small profits will not answer, but this depends on cir-
cumstances ; an experiment tried on a very extensive
scale has proved, that small profits and low prices eommand
a large amount of trade. Messrs. E. MOSES and SON have for
years made it their system of business. They have found that a
shilling profit on an article pays much better than a ten shilling profit,
because, "here they could have sold only one, they sell 20 or 30 ;
and after having for many years conducted their gigantic establish-
ment upon the small profit system, they have proved its efficacy
most completely. But it is not only the small profit which lower
the prices of their articles, it is in the purchase of material in great
quantities, with an unlimited command of capital, at the periods
most favourable for price, that they save all the profits of factors,
dealers, and middle men, so that the very coat which would cost
some tradesmen 50s. would cost them only 305.. and the tradesman
who pays most for it wants the most profit ; so that the customer
who buys of one must perhaps pay V. 10s.' and can be served by E.
MOSES and SON for 325, Of course, this can only be warranted
by a very extensive trade, far more extensive than ordinary people
imagine. By the same kind of reasoning it may be concluded that,
where one man sells a coat for M. 10s.. and gets a pound by it, I
Messrs. E. MOSES and SON will sell fifty, and get 51. by them.
Let any lady or gentiOntanlwalk over their establishment, and see
garments by thousands, and they will cease to wonder how Messrs.
E. MOSES and SON' can supply the very best of everything at the
very low figure, which they have long adopted as their undeviating
charge for everything they make. Their stock of s m
umer articles
has never been equalled in quality, variety, and elegance.
A handsome Almanac, for the year 1851, can be had gratis, on
application.
The new edition of "Everybody's Book, containing a fall report
,f the late important trial, may be had gratis, on application, or by
Tette'', post free.
E. MOSES and SON have no connexion with any other house in
it 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.
Tailorsffieldrg , Clothiers, Haatters,e
She Branch, 36, Fat. Hosiers, Furriers, Boot and Shoe-
makers, and General Outfitters for Ladies and Gentlemen.
closed from
when business business
The Establishments are
tarday, wu
is resumed till Twelve o'clock.

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