The Sun.
London, England, 1844-07-06 00:00:00

GRAVESEND STAR PACKETS.
FURTHER REDUCTION OF FARES.
SIXPENCE AND NINEFE.NCE,
Boat and Blackwell Railway Included.
From the Brunswick Wharf, Blackwell,
LIIY Sundays included) at Ten, Eleven Twelve, Three.
Six, and Ilalf-past Seven
From the Terrace Pier, Gravesend,
At Seven, Half- past Nine, Half-past Twelve, Two,. Four, Six, Seven,
and Eight.
Fare—Fore C •• On Sundays at Five instead of Two.
abin and Seconl-class Carriage, Sixpence; Saloon and
First-claw Carriage, Ninepence.
Btar °Mee, Gravesend, 111:ty 29, 1844.

ATIONAL LOAN FUND LIFE ASSUR.
AXCR SOCIETY,
26, CORNIIILL, LONDON.
Capital £500,000.
Empowered by Act • r Parliament.

DIVISION OF PROFITS.
The steady success and Increasing prosperity of the Society has
vuabled the Directors, at tho last annual investigation, to declare a
tcond Bonus, averaging 60 per cent. on the amounts invested on each
colic effected on the Profit scale.

Jr
.•-
...R.'`C
47' ril ,`<'D
ro Premium. ''''. ' Bonus Perms In F.: , s .z,..,,-rg
.t ' 14 I added. Cash. :-...E- g .9-• - 1
£i
i Ss. 4; I.£ F. d. Xl.d.Xs. d. £ s. cis
'1037 170 9 a 77 5 1 12 3 5 340 2 3
co loop 74 3 4 ,1838 144 2 2 l 4 5 6 9 10 4 296 13 4
1839 116 16 0 51 &11 711 9 247 4 h

The division of pro Its is animal, and tho nest gill be kn-
eeniber of the prescnt year.
Loges with
This Institution offers many Important and substantial advan•
-uhe respect both to Life Assurances and Deferred Annuities.
_ -ed has, on all occasions, the power to borrow, without ex-
'l",4l_ fo forfeiture of the Policy, two-thirds of the premium paid,
of table); also the option of Selecting' benefits, and the conversion
"14 interests to meet other conveniences or necessity. Assurances
r ttrinii of Years are granted on the lowest possible rates.
F. FERGUSON CAMROUX, Sec.

Iclo In De.

t-----:—___
xrPLOYMENT.—Persons hating a little, time
1.,f,„,, to sPare are apprised that Agents continue to be appointed_ in
for on and country towns, by the EAST INDIA TEA COMPAI,
the sale of their celebrated teas.
Tlllin,", No. 9, Great St. Helen's-churchyard, Bishopsgate-street.
Poun- are Packed In showy leaden canisters, from one ounce to a
ii,„ (I with tho price and weight marked on each packet, and but
iin"4 trouble is occasioned by the sale. The license is only I Is. per
silm,ath,4nd many during the last nineteen years have realised con-
''''t incomes by the agency without one shilling let or loss.
---7.-- 'loo to be made (if by letter post-paid) as above.
AT LAS ASSURANCE OFFICE,
Neat., CIIEAPSIDE, JULT 3, 1e44.
NIIILLT„"'IS hereby- given, that the DIVIDEND of THIRTEEN
Christ „,S and SIXPENCE per SHARE for the
year ending
this da-:as, 1843, declared at the annual Court of Proprietors, held
after 3/30'.,Wi1l be PAYAIILE to Proprietors, or to their order, on and
o'cloek, 'DAT, the 29th instant, between the hours of Ten and
,Thr,ee
on 310 and that the TraDS;CT Book of Company will be MILT
14153' the Bth instal% and RE-s OPENthe on the said 29th July.
HENRY DESBOROIJGII, Secretary.

'I3ISEA.SEtri AND HEALTHY LIVES
ASSURED.
MEDICAL, INVALID, and GENERAL LIFE
OFFICE, 25, FALL-MALL, LONDON.
Charles
TRUSTEES.
Hopkinson, Esq., Regent-street.
Sir Thomas Phillips, Temple.
Alfted Waddilove, D.C.L., Doctors' Commons.
DIRECTORS.
-‘chvartl Doubleday, Es q., 249, C. Richardson, Esq., 19, Bne.
s'o
0
, reat Surrey.street. ton-street, Berkeley-square.
rge Gun
Sloane street"! a-3'
' Esq., 127, Thomas Stevenson,Esq., F.S. A.,
4, Par
37, Upper Grosvenor-street.
kinson, Esq., F.R.S., 80, Robert Bentley Todd, M.D.,
B Cambridge. terrace, Hyde-park. I F.R.S., 26,Parliament.street.
-oenjamin Phillips, Esq., F.R.S.,
Alfred Waddilove, D.C.L.,
17, Wimpole-street. I Doctors' Commons.
AUDITORS.
terrace Regent's-park.
JohnPursord, Esq., 7, York- J. Stirling Taylor, Esq ,
aNePh rd, Es
14, Upper Gloucester-place,
Radford, 27, Dorset-square.
nark.
Cambridge-terrace, Hyde- Martial L. Welch, Esq.. Wynd-
-1 ham.place Bryanston-square.
STANDING CouNsEe-John Shapter, Esq., Lincoln's Inn.
.„
otterrone-- BoritEes-Messrs. C.Hopkinson and Co., Regent-street.
oAlessrs. Richardson and Smith, 2fit, Golden-square.
DEPARTMENT OF MEDICAL STATISTICS-William Farr, Esq.,
General Register Office,
iiB
s ACTUARY-F. G. P. Neison, Esq.
,_1
w Office is provided with very accurately constructed tables,
u filch it can assure unsound lives on equitable terms.
ant6oiumnidlarbtraeb.,lmt enable the Society to grant increased annuities on
NeMbers of
Healthy'. he aroottnt varying with the particular disease.
- c'insutnptive families assured at equitable rates.
ekes. ~ lives ate o assured on lower terms than at most ether
The drat 1.,r
alhl the „,„; Le AssUirance Society commenced business in. 1705,
4 Vet. br Teiples of life contingencies, understood at that
. time to
theetJe_nretted extent only, have repeatedly undergone important
Met and Ind inmrovements • but till the establishment of this So-
Per,4 1841 no attempt had ever been made to assure the lives of
'the
,n° stiffer from disease.
rlblieeessili nee of statistics has only within a
.recent period. beenend
rtnee tebieY *DPIled to the duration and mortality of disease,
;Nee . °on the Probability of these results could not have been
e,e'..4nY'see",_l it would evidently have been unsafe.andharraredsounsf
f "%t ~.'"Y tO have undertaken the risk of assuring the. lives
in
°hest; "neteo .
is ei. 'OBl, he *nth any particular malady. The statist.ica -
asserZefi'leßti,„/Yer, now collected, and in possession of this office, '
on health;li'v4--h e4es3
°asp. t 41" exteßt as fully to warrant the extension of life
"ranee
and, in fact, to place the application of life
It is h_ vet, lives n a mere secure basis than even that
ism-"' th„
it Nth "` While kept clearly in view that this Society, in
. oth lab„.7 >et the er vices, will assure the lives of healthy persons,
4011 us'in!r tinder ch°n.3. One established to assure the lives of persona
, 18 directed, tease , and to this latter feature particular atten-
„, In the '
rat place, because . ',tether ease" ems it opens a larger field for business than
hat
; and in the
mrla!*:neenhae;anteeUndr.,ePini_abtclereliaebstroni.ua4iidous, and its principles at branch of assurance mtusotn, farommoirtse
Tea
ex.. 4 are two highly ininortant facts, and we shall enter into an
Pr'
tdi attest of each ; and first, as to the prevalence of disease.
to °Period of life most important to an assurance office is that be-
e '''' 15-60 tchmi_ . years of age, and in the following remarks we refer
Ir ?I'll to this period of life.
yee,,swill be found that the deaths in the metropolis for the two
tOtit
‘o i,
niPreceding 1842 were, from all causes, 30,518 ; and
from
the fi tian alone, 10,688 ; showing that mere than one-third of
1 tal
deaths in
that period of life takes place from the preys-
Nes ea.
With ' a single disease; and if the same inquiry werediisensattitegutnedf the JerPect to other diseaser, such as asthma, dropsy,
Zetheeadv2,
ahteeart, See,, it would be found that morn, than one-half
Po'oulation would, on medical examination,
.be refused
0
the PIII-1 '.sto an assurance office. If the inquiry be carried .
biinei.r-ne4al towns in England, like facts are elicited-in Bir-
ks -et, Liverpool and Manchester, the deaths from all causes,
i 9 --:,ni, are about 5,023, while those from consumption are
4' 11-','°/tning considerably iiore than one.third of the whole. The
Isaeld,!".ng will be found to hold good in the large townesllineetoeet:
steou_in ix of which the deaths in a given period, flare :141! to 23,078, those from consumption alonefrotmo6,3s. 9, and
than :1* Important diseases, 9,754; in the latter case forming more
the :*2 Per cent, of the deaths from all causes. On
reference to
to:turns from the city of Glasgow for 1836-1840 it will be
thathee deaths in that period, from all causes, were 14,107,
Itiote „e°, mtion 4,087, and a list of five diseases, 6,423, being
.111`na..18 45 per cent, of the deaths front all causes:
ors
gluteus's here alluded to are such as exist in general in a
° form, frequently for many years prior to death, but which,
ler,,:trict medical examination, would effectually exclude the
it the:affected from the benefits of life assurance ; and since
eless,
theaPPears that a majority of the population is included in
.this
sene value and importance of the new feature of this society
,;„')t fail te
~, 44 second -justly appreciated.
,Itich lose Poilit to be explained is the fact that there is
rkraceou-4 risk in assuring diseased lives. This is. a feature. ofd
(IThecantot an 4 vital importance to the interests of this society, an
r. ,t carefully considered.
the ch,,;eae' /14 incurred in all assurance transactions consists in levee of
ITt)° which an office is liable of experiencing a differentieitits
t/er ntations rtalitY from that expected by the tabj
°'
tnrotto. are founded. This difference is termedeathoenfluct.uatioedn
iiser than itY, and will be found to be much less among diseased
're ever the general pepuand aong d hives.
tufk"lee deaths from consumption t
in the metrmopolisselecte per annum are
Ntrek
itunliY near the annual number which takes place in Glasgow,
tter ;ca the
to admit of a comparison, and by reducing the
k
4 tilolatte `° figures it is found that while the fluctuation per annum
vel, r case is as high as 45 per cent., in the former it is only
t'/I.,4Bttroe„ein.t, °l', in other words, the fluctuation of mortality in
;te:"rept,Zwn was only one fifth of the other; and in Manchester,
ll soe''l,ll';,,,stirl Birmingham, even with the disadvantage .of
To;_ tone. -omen, the fluctuation does not exceed 3 per cent.,
rta,v re
]q uniformity which determines the
ti,l ita g!, ten 8 disease, and thatinittihse more positive and absolute
,1148tetptiu_lt than that which regulates the"eneral population.
4741144. n has here been selected, not becauseg
it was consi-
1, get lt, ' 14,00rable in its results, but simply ma account of the
Iteer Inhere affordine a more satisfactory proof of the question
s
014
.4 other diseases,
4teask_lansider e -
applied to a great
o. -set of "a"011; but the same test has been
and like results obtained. Among nine
O% of ,th, a Metropolis including asthma, dropsy, rheumatism,
octuat Lne liver of the heart, of the nervous system, &c.,
. the
isi't'letZW,,4s nil: 71 per ceht and in tire diseases in a different 1
ei'keothe - euctuation was about. 7 per cent., while among eleven.
/;n4 t'iot rrl/calitY, and even with small numbers, the. fluctuation
Si) /.4nd,e :4" 6.2 per cent. ; and taking the principal towns
ed in
s
,I•setlhtelo. Binteeluding Manchester, Liverpool, Birmingham.m,
portent
' '11,4 waii is', the fluctuation over eleven of the more 1 Leeds,
t
duce teraas,;* ter cent.
cannot fail to pro.
le ois" cenvieri°o"4 uniformity in these resufltstb
retlrseae; ind nof the positive character o . ela. wof mortality
talo: °f the
~"eed, there seems to be nothing within the whole
,:70f die s& of probabilities so well defined as the mot-
h. - free), "eft
of the general population
ire ""entis bey 'res. The mortality
0,..1 °reap., n referred to by writers as an example of the ceitrb-
tl ' 'Nth ''"Ort events but the preceding remarks must show w b
'Deeded greater certainty the mortality of diseased lives can e
. It i on.
'lleto ° Deshs
ti, Ili-n , -D8 right to state, that, in applying the test of ,1
i.),s , tO oii,...__.
es 'see it has not been confined to one place oi r 1
5i),,144 ~,,2 bat has been extended to the principal towns n
ttie". ". Scoland, as well as to many rural districts in E. lig; street 0111 ncluded the experience *1 one or two large so. societies
the
, lik'w os'ie JiiiB has afforded an opportunity of judging
.of
r.
lilt,
lil and '''''ilitY and its sanatory condition en the duration o
the a ray and
fact has thus been developed, vis.,
1 fitst-rjlatne of life generally is much greater in the coun.
all Noe:: than in large cities; but that of those persons
littek. rrnp..itarriorth..7
...setae the value of life is nearly
othine teiler:c3t434 36.7 ;11---eanth.eierxlieticestat(ivoinz at
othwe aggoew)of
257.6 tshaenteecnintry
years--diffe-
lktti4 whPee„sr e./.nt. nearly; but take. the case of persons of that
totiiNtki.:. the consumptive tendeney is developed, and who. will
oe
_,iti;;;Zof consumption, and their expect ati. a of life is the
kirnitie, (I;i_ se; Suffolk, and Norfolk, will be found to be
Bit:
1 the, i7S°w)and in the metropolis, Manchester, t ,
t,,,l:erore " ; difference •017 per cent. 1.57 per cent.) I
1, *lie„
~°l>DearB that while the difference (
bettyeen country and
:e..lte-(41 the former case is about 33 per cent., that in the latter
st",4lta n„,e°,nstitnetion) the difference is almost nothing, and the
.er dire"r'Y Uniform, The same thing holds good with some.
b_t, sith:el, Which have been investigated in this manner. This
.r7eXpeeu,,!? not generally understood, is only what might have
it 'red 2, by a careful consideration of the conclusion formerly
ii.eoohfin-'^...hat the fluctuation of the law of mortality in disease
4 4%17 within
he
very narrow limit, and consequently little in-
-4,lthtlea°l external circumstances.
)!Ntlie 14 tueappears that the fluctuation in the mortality of diseased
) tad the le"
than anion
T g select lives and the population gene-
refore the risk of assuring diseased lives must also be
o
-.as °I,Ply it.,
t„. lie -...s conclusion to the affairs of an assurance cffice, it
n iteted t,
ietii only
set' that supposing the number of lives in a society,
44;44 1,0,., ect ',yes, was such that the table of mortality would
t Shis
...,, deaths per annum, it would be necessary to have
th 41ficent funds at immediate command to meet 145 deaths ;
lepr.* other
'de kr
_an office assuring only diseased lives need not
proof
..._ Ora than 109 deaths per annum; that is to say, the
ihiAly-e
.rlng diseased lives is to that of average lives as 9 to 45,
of „Soe;:t!nfth. This fact is highly important to the interest, of
,`,Tie prhi.T2i and establishes beyond doubt the safety and correctness
s4;t ru
.C,Ples on which it is founded.
t44tih...''"er Information, reference is made to the prospectuses
IN Published clocum:mts of the Society, which may be ob-
1011CatiLin at the Seciety'tofficer.

r;-0. NEISON, .01447.