The Sun.
London, England, 1850-12-18 00:00:00

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 am —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
trentiura 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-
proached 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
is largely interested in this euestion, and will consult his interest by
supporting a system where, by a careful combination of Classifica-
tion and Aver,ge, the Premium will be proportioned to the risk.
The Equitable Fire Office will, by a constant anals sis of its own
experience, from time to tip• e, 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
been in force for three years.
Insurances against Loss by Fire are effected by this Company upon
every description of Pr,nerty 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.

tt National Loan Fund Life Asearance Society.
* Equitable Fire
t* Both Offices.

MUTUAL ASSURANCE.
QCOTTISH WIDOWS' FUND AND LIFE
ASSURANCE SOCIETY.

The members of this Society have the benefit of an invested Capi-
,al of upwards of
TWO MILLIONS TWO HUNDRED AND FOUR THOUSAND
POUNDS,

which has arisen solely from the accumulation of their own Pre-
miums.
An investigation into the affairs of the Society takes place Septen-
nially, when, after setting aside a sum sufficient to meet the obliga-
tions (the extent of which Is accurately ascertained by calculation),
the remaining surplus or profit Is allocated as follows :
Two-thirds thereof are allocated among the members ; and
The remaining third is reserved as a guarantee fund till next in-
vestigation, when it is incorporated with the profits, then to be allo-
cated In like manner.

It will thus be seen that the whole profits belong to and are appro-
priated for behoof of the assured, while they have also the benefit of
a large Guarantee Fund, which efts Aually places the stability of the
Society beyond the reach of doubt.
As a proof not only of the sate bads upon which all the calculations
are founded, but also of the care exercised by the Directors in the ad-
mission only of good livf s to the benefits of the Society, it may be
stated that the number of deaths, as reported to the last General
Meeting of Members, was only in the ratio of 63 for each 100 that
might have been expected according to the tables of mortality upon
which the calculations are based.
The Amount of new Assurances effected annually during the last
twelve years has, on an average, exceeded
HALF A MILLION STERLING PER ANNUM.

" 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."

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 Oftce, 5, St. Andrew-square, Edinburgh.
JOHN MACKENZIE, Manager.
LONDON OF/ICI, 4, Royal Exchange-buildings.
HUGH M'KEAN, Agent.

GUARDIAN FIRE AND LIFE ASSUR-
ANCE COMPANY.
No. 11, LOMBARD-STREET, London.
DIRECTORS.
JOHN MARTIN, Esq., M.P., Chairman.
TIIOMSON HANKEY, jun., Esq., Deputy-Chairman.
,ienry llulse Berens, Esq. George Lyall, Esq.
John Dixon, Esi. Stewart Marjoribanks, Esq.
Francis Hart Dyke, Esq. Rowland Mitchell, Esq.
Johno Ida.
sir Walter R. Farquhar, Bart. James Morris, Esq.
rvHueYlLErsdq,•Esq. Henry Norman, Esq.
Henry R. Reynolds, jun., Esq.
George Johnstone, Esq. John Thornton, Esq.
John Labouchere, Esq. James Tulloch, Esq.
fohn Loch, Esq. Henry Vigne, Esq.
AUDITORS.
W. Roberts, 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-
slims to be declared in June 18a5, 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, he
reversionary Bonuses added to the policies from one half the profits
amounted, on an average of the different ales, 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 tke 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 501.
In the FIRE DEPARTMENT, a Return of profit was declared
n 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;se 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's Agents throughout the Kingdom, otherwise they be-
come void.

GEORGE KEYS, Secretary.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
8, NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURTII 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 MM.—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 let of Jane, 1249, and
the 31st of Stay, 1850, was more than double the number issued in
the twelve mouths preceding.
Proposals were made for 138 Policies, amounting to 52,9631.25. 6d.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
Sixteen Policies lapsed, representing 6,0481., upon which 3201. 39.
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-
ducing in annual premiums 3,7321. 1 ls. 6d. Of these 54 lapsed,
amounting to 23,990/. 16s. 6d., of which the annual premiums were
7411. ls., leaving the yearly income on the Ist of June last equal to
2,9911. 15s. 11d.
Since last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. 11s. 10d. 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'Etang, 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 Paris's, 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 returning
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
ani 1 future prospects.