The Sun.
London, England, 1845-05-07 00:00:00

To the PROPRIETORS of the BRITANNIA. LIFE ASSURANCE

COMPANY.
GENTLEMEN,—In calling your attention to the annexed Notice of
the establishment of a Mutual Assurance Branch, I beg leave to
unprecedented fact of upwards of 6,000
address a few observations to you relative to the past transactions,
and the probable result of the proposed extension of the operations of
the Company.
That the " Britannia" Company has enjoyed the decided and (I
trust I may be permitted to say) deserved approbation of the public,
is clearly proved by the
policies having been issued in the short space of eight years. In
order, however, to show the high degree of credit and influence pos-
sessed by the Company, it is only nee,essary for me to state, that two
highly respectable and well-established Life Assurance Companies
for
b3A, , s stuwrna
succes-
sive on
have successively transferred their business to this establishment.
The former of these transfers took place in the year 1840 ; the
on the plan set forth in the Prospectus, after it
latter in the course of the past year.
specially convened on the
It is in consequence of this last-mentioned transfer, which included
iomu so
uasPlPyl 1 ca
a large number of Policies effected on the mutual assurance plan, and
this plan, which they have hitherto been compelled to decline, that
the Directors at length determined on the establishment of a Mutual
bAasdsuberaenncesußbntrainucehd,
occasion. utual Assure
The general objection to M
also in consequence
to,ot' thean
afford nce Societies, that (in their
infancy, at least) they do not that complete security to the
approvedting
Assured which is supplied by the subscribed capital of Proprietary
General Meetings of Proprietors,
Establishments, is completely removed in the Mutual Branch of the
" Britannia" Company ; for not only are the Mutual Policy-holders
protected by the entire subscribed capital of the Proprietary Branch,
bat the large and continually-increasing Rind, accumulated from the
dmuunnaenr
Premiums on 6,000 Policies
Mid effected in that Branch, consti-
tutes an immediately available Dall the
payment of the claims of
the Assured, who will thus enjoy all security afforded by an old
established office, and, at the same time, become entitled to all the
benefits to be derived from that system of Mutual Assurance which
experience has proved to be at the same time the safest and the best.
Another serious objection to th
of utual Assurance Plan (as gene-
rally acted on) is the high rate premium required to be paid, in
the lint instance, in order to forma fund—not
only for the payment
of the claims, but also for the
iidistribution of large bonuses among the
policy-holders. This objection
.a
toes entirely removed by means of
the half credit system detailed in prospectus.by allowing
half the amount of the first five annual premiums to remain fer five
years in the hands of the person assured, and applying, the bonus (to
which he would otherwise become entitled \
, to the gradual liquida-
tion of the debt thus incurred with the Company, the policy-holder
enjoys the rare advantage of a very low rate of premium, in the first
instance, combined with that of a full participation, eventually,
the profits.
In availing myself of this opportunity o
f congratulating my co-
shareholders on the extraora success which hitherto has at-
tended the operations of the Britannia Life Assurance Company, I
trust I shall, at no very distant period, have still further to congratu-
of the
late them on the complete success Mutual Assurance Branch,
which, after the most anxious care and attention, has been founded
on a plan calculated, i
in every possible way, to benefit and accommo-
date the public.
I cannot, in justice to the Directors, conclude this address without
calling your attention to the able and cordial co-operation which has
been afforded to me on their other instance
only on the present important
occasion, but also in every other instance in which their advice and
assistance have been needful for promoting the interests of the nsti-
tution. I have the honour to be, Gentlemen,
Your most obedient servant,
PETER MORRISON, Managing Director.
Britannia Life Mica ,l, Princes-street, Bank,
London i 20tIt March,lB4s.

LAMERDTB,pOHRNeD,
EwDßhEosßinAl LnpIIITesasYIN,urGeN,sEFdRItimOnUyERESSS,s, ANDac. ALL
Ne'er lost his health or youthful charms,
A hero lives, and jastly can
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