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

No tiatraace Fees or any other charge beyond the Policy Stamp.

The present nnual income of the Society from Premiums is
63,000/. ; 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. ss. 6d. 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. OR their Premiums
In cash, or a reversionary addition to the original sam assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF BONUSES ALREADY DECLARED.

. I Perma-
:'..B Annual ;Policy Bonus in neat Ro-
e, g.,) Pre- I taken addition Bonus in duction of
?.. mluitn. out in, to Sum Cash. Animal
Assured. Premium.
.-- - --
.£3
12 8 8
14 0 10
dX . s. d.
60 10200 744 SS
di
151837 292 6 9 139 16 9 22 13 1
1838 267 11 4 126 17 2
1839 241 18 6 113 17 7 17 8 8
118 1084401
11X8983
11822. .186 8
89 5
42 162 16 8 76 18 4 11
11 8 3
1843 115 10 10 b 5 10 10
1844 77 19 2 38 15 10 19 19 7
13 8
8 1 10
5 9 11
1845 66 15 0 44 10 0 4 10 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 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
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 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 in this question, and will consult his interest by
supporting a system where, by a careful combination of Classifica-
tion and Avenge, the Premium will be proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its own
experience, from time to tirre, 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 anneal 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 as. 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.

ANNUAL DIVISION OF PROFITS ♦ND !LARGE REDUCTION
OF PREMIUMS.
HAND -IN-HAND FIRE and LIFE
INSURANCE SOCIETY.

No. 1, New Bridge-street, Blackfriars, London.
Instituted In 1696. Extended to Lite Insurance, 1836.
IMMEDIATE, DEFERRED, AND SURVIVORSHIP
ANNUITIES GRANTED.
DnocToses.
The Hun. William Ashley. E. Fuller Maitland, Esq.
The Hon. Sir Edward Cue. The Hon. Chas. John Murray.
John Lettsom Elliot, Esq. William Scott, Esq.
James Esdaile, Esq. John Sperling, Esq.
Harris M. Farquhar, Esq. Henry Wilson, Esq.
John Gurney Hoare, Esq. Robert Winter, Esq,
AUDITORII.—The Hon. Col. Cost, Thos. Fuller Maitland, Esq.,
James Esdaile, Esq.
BANKEBS.--Messrs. Goslings and Sharpe, 19, Fleet-street.

rAYSICIAN.—Thomas K. Chambers, M.D.,-1,-Ilill-street, Berkeley-

square.
SOLICITOII.—Messrs. Lumley, Nieholl, and Smyth, 18, Carey-

street.
ACTUARY.—James M. Terry, Esq.
Siacnsesar.—Robert Steven. Esq.
FIRE DEPARTMENT.

Although the lowest rates of premium consistent with security
have been charged by the Office, it has for many years been enabled
to make very large returns to septennial Insurers.

UNITED KINGDOM LIFE ASSURANCE
COMPANY.
Established by Act of Parliament in 1834.
8, Waterloo-place,Pall-mall, London; $7, George-street, Edinburgh;
12. St. Vincent-place, Glasgow ; 4, College•green, Dublin.
LONDON BOARD.
CHARLES GRAHAM, Esq., Chairman.
CHARLES DOWNES, Esq., Deputy Chairman.
El. Blair Avarne, Esq. J. G. Henriques, Esq.
F.. L. Boyd, Esq., Resident. F. Chas. Maitland. Esq.
Charles B. Curtis, ESQ. William Railton, Esq.
William Fairlie, Esq. F. H. Thomson, Esq.
D. Q. Henriques, Esq. Thomas Thorby, Esq.
The bonus added to policies from March, 1834, to the 31st
Decem%)er, 1847, is as follows :

Time Assured.
AsSsuurnied.

Sum addedtoi
,PolieyinlB4ll

The Premiums, nevertheless, are on th,
only one-half need be paid for the first
sorance is for Life.

Every information afforded on .applical
tor, No. 8, Waterloo-place, Pall-mall. LI

Sum addedto
!Polley in 18481

£787 10 0
112 10 0
157 10 0
157 10 0
22 10 0
78 15 0
45 0 0
11 5 0

Sum payable
at Death.

Le most moderate scale, and
t fire years when the In-

ion to the Resident Diree-
indon.

UNITED KINGDOM LIFE ASSURANCE
COMPANY,
8, Waterloo-place, Pall-mall, London.--Established by Special Act

of Parliament, 1834.
ANNUAL INCOME, UPWARDS OF 100,0001.
The BOARD of DIRECTORS HEREBY GIVE NOTICE, that
taking into consideration the valuable information afforded them at
all times by the Private Medical Attendant of parties proposing la-
surauce, they have resolved from this date to PAY THE PRIVATE
MEDICAL REFEREE a Fee for such information.

• .

Prospectuses, &c., may be had upon application to the Resident
Director at the Company's Offiees.
March 20, 1851.

:JR. LA'MERT ON THE SECRET INFIRMITIES OF YOUTH
AND MATURITY.
With Plain Directions for their Prevention and Cure.
FIFTY COLOUR:A:II ENORAYINW. ON oTEEL.

I ust pnbii,hva, in French, English, German, Dutch, Spanish, and
Italian, in a beruee Lnveloye, 2s. 6d., or post-free, from th,
Author, for forty-two ntauips,
SEIF-PREtiERVATI()N; a
Medical Treatise on the Physiology of Marriage, and on
die Secret Infirmities and Disorders of Tooth and Matarity,
lsually acquired at ass early period of life, lichieh destroy
;he physical and mantel powers, diminish and enfeeble the nature!
feelings, and exhaust the vital energies of Manhood ; with Practice;
'Ymervations on the certain Prevention and successful Treatment of
Yervous Debility, Local and Constitutional Weakness,
Stricture. and all Diseases and Derangements resulting frees indis-
cretion, as adopted by Lallemand, Ricord, and other eminent mem-
tiers of the faculty in France. With Flay coloured Engravings,
illustrating the Knatomy, rhysiology, and Diseases of the Re-
productive Organs, •ixplaining their stractures, uses, and iluictisiNs,
and the various injuries that are produced in them by solitary
habits, excesses, and infenioss.
BY SAMUEL LA'MERT, M.D.,
87, BEDFORD-SkaUARE, LONDON,
Doctor of Medicine. Matriculated Member et the University of Edin-
burgh, tfonorary Member .1f the London Hospital Medical Society,
Licentiate of Apothecaries' Hall, London, Member of the flunteriav
Medical Society of Edinburgh, &c., &c.

This work contains a plain and complete description of the ana-
tomy and physiology of the reproductive organs, and of their relative
conditions in health and disease. The author, who has taken the
highest medical honours, as evidenced by the diplomas and testimo-
nials inserted in the work, is the only legally qualified medical man
who has exclusively, and for many years, devoted his studies to
the treatment of these complaints. He may be consulted a ith ad-
vantage by all those whose constitutions may have become debili-
tated through secret practices acquired LA youth, or by the excesses
of later years, whereby the pleasures of life are marred, 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. Gilbert, 49, Pater-
noster-row; Hannay, 63, Oxford-street; Starie, Titchborne-street,
Haymarket; Gordon, 146, Leadenhall-street ; Mann, 23, Cornhill,
or free by post for forty-two stamps, from the author's residence, who
may be consulted on these disorders personally, or by letter, daily,
trom ten till two, and from six till eight