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

EXAMPLES.

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Premium.. 41,, , Bonus Bonus la i-4' ;: g .-g ,:,- cR
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1..?, ad4lod. Gash.- ?;* r, g: ?..' z
: ; ':1 61 4
y R 4 --
4S. Al. t '.X s. 4. £s. 4.1 X s. d. X s. ds
1537 170 9 3 77 S 1 112 3 9 346 2 3
74 3 4 1835 144 2 2 64 5 6 9 16 4 296 13 4
1839 116 16 0 51 611 7 11 9 247 4 5

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4VBi oj

I

Tlie (Ike
eein stop of profits is anneal, and the next will be made in De-
)erof the 7ss _ Present year.
taz,sr u Astitution offers many Important and substantial advan-
11*, 41'i", respect b•dlt to Life Assurances and Deferred Annuities.
Ask,: `used ha,, on all occasions, the power to borrow, without cx-
(see or t4rleiture of the Policy, two-thirds of the premitun pail,
Of 1111, '10) ; also the option of selecting benefits, and the conversion
lot tell! gtere Years'nert other conveniences or necessity. Assurances
Of are granted on the lowest possible rates.
F. FERGUSON CAMROUX, Sec.

IPLOnlENT.—Persons liavirg a little time
Loacit,„ to gPare are apprised that Agents continue to be appointed in
for -th: ;2,1 country towns, by the EAST INDIA TEA COMPANY,
dieir celebrated teas.
No. 9, Great St. llelen's-churchyard, hishopsgate-street.
1)04-„,' 're Packed in showy leaden canisters, from one ounce to a
litt;price and weight marked on each packet, and but
;414, t 31Thle is occasioned by the sale. The license is only l le. per
Kelt,..„; and many during the last nineteea years have realised con-
incomes by the ge'enc 'without one shilling let or loss.
t• 3.
ca ion to be made (if by letter post-paid) as above.

ATLAS ASSURANCE OFFICE,
CIIEAPSIDE, JULY 3, 1844.
~htri hereby given, that the DIVIDEND of THIRTEEN
''"US and SIXPENCE per SHARE for the year ending
this da nas, 1843, declared at the annual Court of Proprietors, held
antt win he PAYABLE to Proprietors, or to their order, on and
oxnar,' the 29thanstant, between the hours of Ten and Three
oa 319,, and that the landoo of the Company will be SHUT
St 'claY the Bth insta'nt, RE-OPEN on the said 29th July.
HENRY DESBOROUGH, Secretary.

DIS
EASED AND HEALTHY LIVES
ASSURED.
EDICAL, INVALID, and GENERAL LIFE
OFFICE, 25, PALL-MALL, LONDON.

TRUSTEES.
Charles Hopkinson, Esq., Regent-street.
Sir Thomas Phillips, Temple.
Alfred Waddilove, D.C.L., Doctors' Commons.

DIRECTORS.
lward Doubleday, Esq., 249, C. Richardson, Esq., 19, Bru.
G Great Surrey street. ton-street, Berkeley.squere.
e°rge Gun Hay, Esq., 127, Thomas Stevenson,Esq.,F.S.A.,
4. Sloane street. 37, Upper Grosvenor-street.
Parkinson, Esq., F.R.S., 80, Robert Bentley Todd, M.D.,
-teearnbridge-terrace, Hyde-park. F.R.S., 26,Parliament.street.
njamin Phillips, Esq., F.R.S., Alfred Waddilove,
17, Wimpole-street. l Doctors' Commons.

Joh AUDITORS.
Pursord, Esq., 7, York. IJ. Stirling Taylor, Esq ,
Intte trace, Regent's-park. I 14, Upper Gloucester-place,
~,Ph Radford, Esq., 27, I Dorset.square.
,rnbridge-terrace, Hyde- I Martial L. Welch, Esq.. Wynd-
ktrk.
I ham-place Bryanston-square.
:STANDING COUNSEL—John Shapter, Esq., Lincoln's Inn.
113aNKERS—Messs C.Hopkinson and Co., Rgent-street.
rilsiceroas—lelessrs.Richardson and Smith, 28,e Golden-square.
bIEPARTMENT Or MEDICAL STATISTICS—WiIIiam Farr, Esq.,
General Register Office.
ACTUARY—F. G. P. Nelson, Esq.
' WthsOffice is provided with very accurately constructed tables,
rich it can assure unsound lives on equitable terms.
„,?o,raulartables enable the Society to grant increased annuities on
und lives, the amount varying with the particular disease.
embers of consamptive families assured at equitable rates.
OffiCteaithy lives are assured on lower terms than at most ether
stPtle,first Life Assurance Society commenced business in 1705,
a ee,42-.principles of life contingencies, understood at that time to
taahfe limited extent only, have repeatedly
.undergone important
so
cietyV and improvements • but till the establishment of this. -
Petsoe: IF-41 no attempt had ever been made to assure the lives of
14- Isho stiffer from disease.
l'butreslett,,l, of statistics has only within a recent period
. been
aPplied to the duration and mortality of disease, and
fo4-'r andthe probability of these results could not have been
a„? ktie,..tt would evidently have been unsafe and
.hazardousf
tPerB4 agt•-r M have undertaken the risk of assuring the. !Ives. of
is iett,4
„. With any particular malady. The statistical in.
alsuerfZegrtieoaht "iZer now collected, and in possession of this office,
At, eitent as fully to warrant the extension of life
44°Ne „ -"c" cas and, in fact to place the application of life
" heallheyViiseasedesl'ives on a mere secure basis than even that
It es,
141..cifit:d.suiirowyeepieettbitht.hrteiatett:.:eouhttiele; kept clearly in view that
healthythiscieetryst isn
s re the lives of persons,
ti mIY coense ewsitlalbalirhed to assure the lives of persons
and to this latter feature particular atten.
ad oa the first 1
P ace, because it opens a larger field for business than
02
,eeher offices can have unitedly • and in the
ours Place, because that branch of assurance must, from its
nature, be less hazardous, and its principles rest on a more
"ralanent foundation.,,jii_esaet.are two highy important facts, and we shall enter. into an
tins: ion of each ; and first, as to the prevalence of disease.
be
te,,,en Period of life most important toes n assurance office is that -
es,' 15-60 years of age, and in the fallowing remarks we refer
it4SIYeIY tO this -period of life.
be found that the deaths in the metropolis for the two
ete„ Preceding 1842 were, from all causes, .30,518 ; and from
,
the t4lnPtion aon e 10,658 ; showing that mare than one-third of
fence tal deaths in that period of life takes. place. from the preva..
Rith af a single disease ; and if the same inquiry were instituted
tesPect to other diseases, such as asthma, dropsy, diseases of
Of'thhc_a_,l! heart, &c., it would be found that more than one-half
whole population would, on medical examination,
.. be refused
ts, "siOn into an assurance office. If the inquiry b. e carried to
taineiPal towns in England, like facts are elicited—in Bir_
arn Liverp00l and Manchester, the deaths from all causes,
te,44B4n' , are about 5,023, while those from
. consumption are
attict relining considerably more than one-third of the whole. The
t
thit.ig sedt,.will be found to hold good in the large towns in Sco -
aition_? six of which the deaths in a given period, froth all causes,
g
tto, ':.ted to 23,078, those from consumption alone to ~ , and
that, important diseases, 9,754 ;in the latter case forming more
the rc '` Per cent. of the deaths from all causes. On reference to
I.o,,_turnis from the city of Glasgow for 1836-1840 it will be
frond that the deaths in that period, from all causes,
were 14,107,
leore osumption 4,087, and a list of five diseases, 6,423, being
Ths!) 45 per cent. of the deaths from all causes.
taeo,7eolseases here alluied to are such
as existin general in aan
iiei‘tfioertm, frequently for many years prior to death, but which,
PertOnmedical examination, would effectually xclude the
it thus 00 affected from the benefits of life assur.ance, and since
Clas,.aPPears that a majority of the population is includedin this
vieth'e'll,e value and importance of the new feature of this society
The `ail to be justly appreciated.
°Weil te„emid Met to be explained is the fact that there is
Par 0,0,--5 risk in as-urin diseased lives. This is a feature of
deserves and vital importance'
to the interests of this society, and
The";_`°. carefully considered.
the chalk°al risk incurred in all assurance transactions consists
. in
t
e.veee
to which an office is liable of experiencing a differe.nts
eaettia,?` Mortality from that expected by the tabjes on which
fluctuation
inert are' Ire founded. This difference is termed the
ed
lives and will he found to be much less among diseased
t des over the general population, and among selected lives.
stilfiej tits from consumption in the metropolis per annum are
heel eattillY near the annual number which takes place in Glasgow,
"stt eatisca to admit of a comparison, and by reducing the
i to
the figures it is found that while the fluctuation per
annum
o
Per
_attenter case is as high as 45 per cent., in the former it is oni. y
ceNn
other words, the fluctuation mortality in it Pb' was inonly one-fifth of the other; and in of
Manchester,
ila
kelirhn ,7° nOrabl. and Birmingham,even with the disadvantage of
ers the fluctuation does not exceed 3 per cent.,
°rtality4 remarkable uniformity in the law which determines the
° it, thu disease, and that it is more positive and absolute
4'014 than that' which regulates the general population.
de 'MPti
-red mt has here been selected, not because it was cons'.
hiNern'°re favourable in its results, but simply on account of the
4itier.,-"ltthers affording a more satisfactory proof of the question
lietnhe.unsideration • but the same test has been applied to a great
lisoaser f Other diseases, and like results obtained. Among
.nine
li,eass in the
t metropolis,including asthma, dropsy, rheumatism,
ti4etq ...le liver, (t heart, of the nervous system, &c., the
Was oely 7
per cei t and in tive diseases in a different
-'4ll -"Q et • " cent.,while among eleven
ethe ictuation was about 7 per
kt„itiet :311e°°alitY, and even with small numbers, the fluctuation
ehw:i,
,seed 6.2 perand taking the. princihpal towns in
dts "'eled'ne M hester, Liverpool, Burning am, Leeds,
ac arC -a" the more important
e—es* the fluctuation over eleven of
Th 46'4
e 1.„ per cent.
i.„44 a r.„-"arkable uniformity in these results cannot fail to pro.
;" dise,t—Nction of the positive character of the law of mortality
ran
be nothing within the whole
Late th. se, there seems to
h of d, doctrine of probabilities so well defined
las theimtioorn-
,4 frego."eased lives. The mortality of the genera pophuesieer.
qty rlly been referred to by writers as an example of the
with
ti'h2ttuett°t""Min events, but the preceding rem.arks must s ow
grater certainty the mortality of diseased lives can
be
It • °O.
Per
4tOar haps right to state, that, in applying the test of
'es ofMitil_ to disease, it has ot been confined to one place or
'es, but has been extended to the principal towns in
"'". Mid s
4'll I,d . el:Aland, as well as to many rural districts in. Enlieef
41retar, "'eluded the experience of one or two large societies
'hffiLlets 'flveisi,,..T.his has afforded an opportunity of judging of the
that of
s'"litY and its sanatory condition en the duration of
'Ltt -" a remarkable fact has thus been developed, • ~
tdhe e
ly alue of life generally is much greater in the coun-
hhi;ist!iet,
than in large cities • but that of these persons
4,1 exUairee from disease the value Of life is nearly the same. As
listrieurn!)lo of this the expectation at the age of 30 in the country.
44'e an" 36.7 Years • in Ries (viz., Glasgow) 27.6 years—diffe-
Per Ma. nea'rly; but take"the case of persons of that
Llama
when, t
tei coninimptive tendency is developed, and who
. will
ontieeLdie of consumption, and their expectation of life in the
tei" Essex, Suffolk, and Norfolk, will be found to be 14'5,
I,inthassGll,4l°w) 14-4 in the metrepolis, Manchter, Bir-
Seseer in—, 13'9 ; difference 'Ol7 per cent. (or 1.57 percent) It
fic.r.°PPhars that while the difference between country and
in the former case is about 33 per cent., that in the latter
NOlts ti(e"stlMPtion) the difference is almost nothing, and the
orther disearly uniforrn. The same thing holds good with some
idt,,eailcs, 'which have been investigated in this manner. This
--eette),"Mleh not generally understood, is only what might have
4rivm-Deeted by a careful consid erationof 'the conclusion formerlye
i:e0,171,,n-•-t.hat. the fluctuation of the law of mortality in disease n Within a very narrow limit, and consequently little in-
-03, external circumstances.
/11.:01 I,nrelahPPlesitthat the fluctuation in the mortalityi of diseased
gne.
diseased
let:, lied au
thoress htahneazaiisoknogfseaslecsutzilnivgesdireasd
edtheupoyerio also
be
I'?
Imust
hi
P
- t 240 PetYattedhis conclusion to the affairs of an assurance erfice, it
, that supposing the number of lives in a society,
itie4MilY select lives, was such that the table of mortality would
411yee I°o deaths er annum,
. it would be necessary to have
thlsti_fficient funds at immediate command to meet 145 deaths ;
liteeirt. ;Lift hand, an office assuring only diseased lives need not
risk
07 ter more than 109 deaths per annum; that is to say, the
or omraaetiring diseased lives is to that of average lives as 9 to 45,
Ofi
o„0, "'fifth. Thie fact is highly important to the interests of
th. s'etY, and establishes beyond doubt the safety and correctness
Fr the
on which it is founded.
arkt
ttfurther information, reference is made to the prospectuses
tiite,i's
4" Published documents of the Society, which may be ob-
it aPPlication at the Society's offices.

P. O. I', NEISON, Actuary.

IJAMES FAITHFULL, at present, and for
9 two years past, residing at No. 1, Grove End-road, Saint
John's-wood, in the parish of Saint Marylebone, Middlesex, and being
a gardener, previously for six years residing at No. 4, Cockran-ter-
race, Saint John's wood aforesaid, and being a gardener, and formerly
for thirteen years residing at No. 15, Elm Tree-road, St. John's-wood
aforesaid, and being a nurseryman, do hereby give notice, that I in-
tend to present a petition to the Court of Bankruptcy, Basinghall-
street, London, praying to be examined touching my debts,
estate, and effects, and to be protected from all process upon
making a full disclosure and surrender of such estate and
effects for payment of my just and lawful debts ; and I
hereby further give notice, that the time when the matter of the
said petition shall be heard is to be advertised in the London
liazette and in the Morning Snn Newspaper one month at the least
after the date hereof; as witness my hand, this 3d day of July, in
the year of our Lord, 1844. JAMES FAITIIFULL.
Witness, Joha Chisholme, 3, Cook's-court, Lincoln's-inn, attorney
for the insolvent.

VALUABLE FREEHOLD ESTAI ES IN CORNWALL.
TO BE SOLD by PRIVATE CONTRACT,
either together or in LOTS, by direction of the Proprietor,
he exceedingly valuable FREEHOLD ESTATES of TRENr
WAINTON, NANSEGLOS, BOSWEDNAN, BOswAwni.EN-'-
I'ULTEGGAN, and HENDBA, situated near Penzance, in the
county of Cornwall, containing about 900 acres, lying very: compact
and well together, in the most favoured and fertile part of the county.
There is a capital mansion-house at Trengwainton, encircled by
parklike grounds, with most commodious offices, stabling, &c.; the
whole in substantial repair, and fit for the immediate occupation of
a respectable family. The mansion-house and terrace-walk com-
mand the finest views of Mounts Bay, and the ponds and streams
abound with fish, whilst the covers afford some of the best woodeOck
shooting in the county. The warrens abound with rabbits, and
hounds are kept in the immediate neighbourhood.
The conditions of sale may be inspected at the Offices of Messrs.
Coale and Browne, solicitors, Bedford-row, London ; and full par-
tioulars of the property may be had of them ; of Messrs. Millet and
Borlase, solicitors, Penzance ; and at the prineileal Inns at Bodmin,
Truro, St. Ives, Falmouth, Plymouth, and Exeter.
Tickets to view the mansion-house and grounds can he obtained on
application to Messrs. Coodo and Browne, or Messrs. Millett and
Borlase.