The Sun.
London, England, 1851-05-29 00:00:00

NAnO.N AL LOAN
EQUITABLE FIRE
26, CORNHILL, LONDON.

Y, Esq., Chairman.
*John Rawson, Esq.
*John Shaw, Esq.
t*Edmand S. Symes, Each
t*Clement Tabor, Esq.
Joseph Thompson, Esq.
t*`Aagustas Yigne, Esq•
AITDITOE.
tFrofessor Wheatstone, F.R.S.
PHYSICIAN.
Eiliotson, Id.D„ F.R.S„ 37, Conduit-street,. ,
SUMMON.

t*T. LAMIE MU.
*W. A. B. Bennett, Esq.
*Hugh Croft, Esq. _ _

tEllfotson, F.R.S.
*Ralph Gough, Esq.
*M. C. Maher, Esq.
*John Moss, Esq.

t*E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACV:TAIT.
f*W• S. B. Woo Mouse- Esq., F.R.A.S.,
SECRETARY.
*D. T. Lyons Cianehy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
RANKERS.

t*Measrs. Glyn, Hallifax, Mills, and Co., 67, Lombard-street.
SOLICITORS,
(Messrs. Sutton, Ewen, Ommanney and Pradence, 6, 13asinghall-
-

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 Assignment of Policies registered and acknowledged,
so as to make them available as securities is the hands of
third parties.

No Entrance Fees or any other charge beyond the Policy Stamp.
The present nnual income of the Society from Premiums is
63,0001.; the =omit 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-
eared were, the option of a return of 15 per cent. on their Premiums
in cash, o; a reversionary addition to the original sum assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED. -

Forma.
:4°,3 Annual Policy Bonus In vent
Re-
,A.ge. IF. Pre- taken addition Bonus iII duction of
g, minx. ant in to Sum Cask. Annual
Assured. Premium.
1887 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
As.d. 1840 193 12 6.. 93,16 8 14. 010
60 1000 74 8 4 1841 189 12 6 _B9 510 13 811
1842 162 16 8 76 18 4 11 8 3
-1843 115 10 10 55 10 10 8 110
• _1844 77 19 2 88 15 10 5- 9 11
L 1845 66 15 0 44 10 0- 4-10 1

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climatal.
- - - EQUITABLE FIRE OFFICE.- •
. .
(Incorporated under 7 and 8 Vice., cap.llo.)
The leading principles of this Office are—.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 reoeived 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 Dual- 1
ranee Company is established.
The true rate of Premium for Fire Insurance can only be ap..
preached 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 tree 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.intertst 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 ()Mee 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 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 fitly per cent. of the nett
excess will made to all classes of Insurers Whose Policies have
been in force for three years.
Insurances against Loss-by Fire are effected by Company Upon
every description of Property on moderate terms. . •
Farming Stock insured- at 3s. per cent, without the Average Clause,
Prospectuses..and every infcirruation may be ebtalued, on applica-
tion at the Oftice, or to any of its Agents.
t National -

atienal Loan Fnuct j,unimsratuice Idocnsty.
* Equltable Firei
MolllolliCeS,

:/~..

~~/ 1~-~ ,y •~/