The Sun.
London, England, 1851-05-26 00:00:00

6xtenstve • Vravening Leave granted without extra Premium
Moderate extra Premium for Reni4encs in Tropical Climates.
EQUITARLE FERE OFFICE.
Capital-50ii,0001.
(Incorporated under 7 and S Viet., cap. 110.)

The leading principles of this °dice ar3 —Moderate and equitable
Rates or Premium for each class or risk—Annual division of Profits.
i fie viifficulty of collecting the elements on which to proportion
"minium 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 round by experience. that the total annual losses of the
lifierent Established Companias 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 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
's largely interested in this question, and will consult his interest by
supporting a system where, by a careflil combination of Classifica-
tion and Average, the Premium will bs proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its own
experience, from time to titre, 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
teen in force for three years.
Insurances against Loss by Fire are effected by this Company upon
every description of Prooerty on moderate terms.
Farming Stock insured at 3s. per cent, without the Average Clause.
Prospectuses. and every information may be obtained, on applica-
tien at the Office, or to any of its Agents.

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

SECURITY TO EMPLOYERS.
PUBLIC GUARANTEE.
fo Secretaries of Public Institutions, Clerks, Station Masters, Rail-
way Officials. Banker's Clerks, Travellers, Collectors, and others.
THE TIMES LIFE ASSURANCE AND GUAHANTEE
COMPANY.
32 Ludgate-hlll, London.
Incorporated under Act of Parliament.
HONORARY PRESIDENTS.

Charles Ilindley, sq., M.P., Dartmouth House, Westminster.
James Kershaw, Esq., M.P., Stockport,
TRUSTEES.
Zanies Alexander Donee% Esq., 11, Queen-square.
Ambrose Moore, Esq.. Endsleigh-street, Tavistock-square.
Janes Nisbet, Esq., Be ners-street, Oxford-street.
The Hon. FRANCIS VILLIERS, CHAIRMAN, Berkeley-square.

JAMES W YLD, Esq., M.P., DEPUTY-CHAIRMAN, Charing-cross.
" TUE TIMES" Company affords Guarantee to persons requiring
the same at the lowest possible rate, and after the first three years,
Annually I)ivides Four-fifths of he Profits.
Th Is by applying the justly popular principle of Mutuality to
Pubic 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 Stamps.

An allowance ma le in the ogarantee Premium- where a Life As-
'trance and Guar.eutee are combined.

LIFE ASSURANCE.

Life Assurances, Annuities, and Endowments. Payments taken
Monthly as well as Quarterly, &c.
PeHoles Indisputable save in cases of Fraud.
Arrangements can be made with this Office to prevent the loss of a
Policy where the Assured is unable, from temporary embarrassment,
to keep up the payments

11. B. SHERID B.N, Manager.