The Sun.
London, England, 1850-12-25 00:00:00

COTTIS WIDOWS' FUND and LIFE
ASSURANCE SOCIETY.
Constituted by Act of Parliament.
PRESIDENT.
The Right Hen. the Earl of ROSEBERY, K.T.
VICE-PRESIDENTS.
The Hon. Lord Moncrieff.
His Grace the Duke of Buccleuch, K.G.
The Most Hon. the Marquis of Tweeddale, K.T., and C.B.
Sir William Gibson Craig, Bart., of Riccarton, K.P.
(All of when), as well as the Directors, are, and must be 3,fembers
of the Society.)
This Society was founded A.D., 1515, upon the original basis of
the Equitable Society of London, and is the oldest Life Assurance
Imtitution in Scotland.
Capital accumulated and invested, Two Millions Two Hundred
and Four Thousand Pounds.
Annual Revenue nearly Three Hundred Thousand Pounds.
Total amount of existing I,surances, upwards of Six Millions Six
Hundred Thousand Pounds.
Average amount cf Assurances effected annually during the last
twelve years, upwards of Half a Million sterling.

"Probably a larger average than has yet been attained by almost
any other office, and such as affords the true test by which to prove
the estimation in which it is held by the public."

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In the case of a party insured with this society previous to the
year 1819 dying after payment of the Premium due in the current
year, his representatives would receive for each 1001. insured the
sum of 1991. Os. 9d., or nearly double the amount of the original in-
surance.
In 1 ke manner, in the case of a party insured in the year 1830,
dying after payment of the current year's premium, his representa-
tives would receive for each 1001. insured the sum of 1471. 4s. 10d.
or a Bonus of 47 per cent.
N.B. No Member is entitled to
Participate in the Profits of the So-
ciety, unless the Policy be of five years' standing. The books of the
Society close for the current year on the 31st December, and policies
effected before that time have the advantage of a full years' standing
over those delayed beyond it.
Head Office, 5, St. Andrew-square, Edinburgh.
LONDON OFFICE, 4, Royal Exchange-buildings.
HUGEL M`KEAN, Agent.
JOHN MACKENZIE, Manager.

SCOTTISH WIDOWS' FUND LIFE AS-
SURANCE SOCIETY.
Parties who may be desirous of effecting Assurances with this So-
ciety are particularly requested to notice that Proposals mist be
lodged on or before the 31st December current, in order to secure
the benefit of this year's entry.
NOTICE TO MESIBERS.
The Report by Messrs. Brown, Melville, and Brand, has now been
issued, and any member who may not have received a copy can have
one on application at the Society's head office.
JOHN M'KENZIE, Manager.
WM. LINDESA.T, Secretary.
5, St. Andrew-square, Edinburgh,
16th December, 1850.
LONDON OFFICE, 4, Royal Exelange-buildings.
HUGH M'KEAN, Agent.

GUARDIAN FIRE AND LIFE ASSUR-
ANCE COMPANY.
No. 11, LOMBARD-STREET, London.
DIRECTORS.
JOHN MARTIN, Esq., M.P., Chairman.
THOMSON HANKEY, jun., Esq., Deputy-Chairman.
Flenry Hulse Berens, Esq. George Lyall, Esq.
John Dixon, Esq. Stewart Marjoribanks, ESq•
Francis Hart Dyke, Esq. Rowland Mitchell, Esq.
sir Walter R. Farquhar, Bart. James Morris, Esq.
John Harvey, Esq. Henry Norman, Esq.
John G. Hubbard, Esq. Henry R. Reynolds, jun., ESQ.
George Johnstone, Esq. John Thornton, Esq.
John Labouchere, Esq. James Tulloch, Esq.
joint Loch, Esq. Henry Vigne, Esq.
AUDITORS.
%. W. Robarts, Esq. I Henry Sykes Thornton, Esq.
Lewis Loyd, jun., Esq. John Henry Smith, Esq.
ACTUARY—Griffith Davies, Esq., F.R.S.
LIFE DEPARTMENT.—Under the provisions of an Act of Par-
liament, recently obtained, this Company now offers to future in-
surers a low Rate of premium without participation in Profits ; or a
moderate scale of premiums with four-fifths of the Profits to be de-
rived from all Assurances hereafter effected.
The divisions of Profits which heretofore have been made Septen-
nially will in future be made Quinquennially, the first of such divi-
sions to be declared in June 1855, when all participating policies
which shall have subsisted at least one year at Christmas 1854, will
be allowed to share in the profits.
At the several past divisions of profits made by this Company, 'ho
reversionary Bonuses added to the polices from one•half the profits
amounted, on an average of the different ages, to about 1 per cent.
per annum on the sums insured, and the total bonuses added to the
four septennial divisions exceeded 770,0001.
FOREIGN RISKS.—The extra Premiums required for the East
and West Indies, the British Colonies, and the northern parts of the
United States of America, have been materially reduced.
LOANS granted on Life Policies to the extent of their values, pro-
vided such Policies shall have been effected a sufficient time to have
attained in each case a value not under 50/.
In the FIRE DEPARTMENT, a Return of profit was declared
on the sth of June, upon the premiums received on all Policies
which had been in force seven years at Christmas 1849, and the same
snow in course of payment daily (Friday and Saturday excepted),
between the hours of ten and three o'clock, at the Head Office ; and
a:so by the Agents in the Country Districts.
Notice is hereby given, that Assurances which expire at
Christmas must be renewed within fifteen days at this Office, or with
Mr. Sams, No. 1, St. James's-street, corner of Pall-mall, or with
the Company'soivd. Agents throughout the Kingdom, otherwise they be-
come

GEORGE KEYS, Secretary.