The Sun.
London, England, 1842-07-29 00:00:00

1 Annual Premium payable during
Age. First Five Second Five Third Five Foci, th Fivel Remainder
" Years. Years. Years. Years. of Life.
20 £1 1 4 .£1 510 .E 1 10 11 £1 16 9 £2 3 8
no 1 6 4 112 2 119 1 2 7 4 217 6
40 116 1 2 4 4 :2 14 6 3 7 3 4 3 4
50 216 7 394 _ 4 5 5 56 3 613 7

Detailed Prospeet uses, and every requisite information as to
the mode of effecting Assurances, may be obtained at the Office.
PETER MORRISON, Resident Director.
A liberal Commission allowed to Solicitors and Agents.

LONDON, EDINBURG-A, and DUBLIN
LIFE ASSURANCE COMPANY,
3, Charlotte-row, Mansion-house, &55, Chancery-lane, London.

DIRECTORS.
KENNETT KINGSFORD, Esq., Savage-gardens, Chairman
BENJAMIN IFILL, Esq.,Welbeck-street, Deputy-Chairman
Alexander Anderson, Esq., York -place Portman-square
John Atkins, Esq., White Hart., coue, Lombard-street
James Bidden, Esq., Spread Eagle-court
Captain F. Brandreth, Scote Fusilier Guards
James Hartley, Esq., Mecklenburgh-square
John M'Guffie, Esq., Osnaburgh- street
John Maclean Lee, Esq., Seething-lsne
J. Marmaduke Rosseter, sq., Kennington-terrace

AUDITORS.
H. H. Camaan, Esq., Finsb::.y..square
Robert E. Alison, Esq., Cirldtill
MEDICAL ADVlSER—Marshall Hall, M.D. F.R.S., L. and E.
SECRETARY—F. Edgell, F,sq.
SOLlClTORS—Messrs.Palmer, France, & l'almer,Tiedford-row.
IMPORTANT AND SALUTARY IMPROVEMENTS
have been introduced into the practice of Life Assurance by
this Company, and the following are son _a- of its distinguishing
and important features, which have ,en introduced after
mature deliberation. They will be most conveniently pointed
out by referring t 9 Policies, as divided into two great Classes
—FAMILY PROVISION POLICES, and MONEY
TRANSACTION POLICIES.
FAMILY PROVISION POLICI;;S.— In the well-
founded belief that Life A esurance business is profitable, per-
sons making provisions for their families,' and contemplating a
long duration of time between the date of the Policy and the
claim to arise under it, generally prefer Assurances which may
carry with them a right to participate in the profits to be re-
alised by the Company during the currency of their Policies.
By the Deed of Constitution of this C: many, the participa-
ting A ssured are entitled to the Whole of "le Mutual Profits, as
if they had been Assured in a purel: Mutual Society ; and
they have, at the same time, the security not only of the funds
of the Company. arising from the accumulated premiums, but
also the proprietary funds and subscribed capital of the Com-
pany. To the Shareholders are alloted ONLY those profits
which are realised by the investment of eleir own paid capital,
and from the excess of the premiums derived from the nor.-
participating Assurances. This mode of Division and Profits,
an advantageous to the Assured of the Patticipating Class, is
adopted only by this Cornany.
MONEY TRANSACTION POL acquain-
tance w'th the records of the Courts of Ld.VV and Equity, proves
that considerable changes wet.° required in the practice and
rules of Life Offices, to rendei• this class of Policies
valid and unimpeachable d)cc.ments of security, which no
foreseen circumstances or future acci,le.ats could invalidate.
This Company has endeavoured, and tney think successfully,
to render their Policies as indefeasibt and negotiable secu-
rities as possible, conciStently with a due -egard to the safety of
the contracting parties; and to effect this object, the Company
has introduced the following clause into their Deed of Settle-

ment :
Clause 78.—" That every Policy isseed by the Company I
shall be indefeasible and indisputable, and the fact of the
issuing of the same shall be conclusive evidence of its validity,
and it shall nut be lawful for the Company to delay payment
of the money assured thereby, on the ground of any error, mis-
take, or omission, however important, made by or on the part
of the person or persons effecting the same, and that on the
contrary, the amount receivable under the same shall be paid
at the time stipulated by the Policy, to the person entitled
thereto, as if no such error, mistake, or omission had been made
or discovered, unless the Policy shall have been obtained by
fraudulent misrepresentation.
In order to provide against the defeat of a Policy in the
bands of a Creditor, by the Debtor, whose Life is Assured,
leaving the 'ountry, and going beyond the prescribed limits,
the Company grant what they term WHOLE WORLD PO-
LICIES, whereby, on condition of receiving an extra premium,
varying in amount according to the eh rnimstances of the case,
but fixed and determined at the time of issuing the Policy,
the Debtor, on whose Life an Assurance has been effected, is
entitled to go to, or reside in any part of the world, without in-
validating the Assurance; by which means the Creditor's
claim is rendered certain.
INTEREST IN POLICIES.—The ordinary rule is, that
if a Creditor be paid his debt before the policy becomes a
claim, he loses the benefit of his Policy, and the remiums
paid become forfeited—this Company repudiates allp such un-
fair advantages.
To enable a party to effect an Assurance at the LEAST
POSSIBLE EXPENSE, and to entitle him to discontinue it
at a less sacrifice than by any other plan, a seven years' Half-
premium system has been introduced:, and, upon comparing
the following scale with any other Nv hi c 1 has been devised for
reducing present payments, it will he seen how much more
economically a loan transaction can he fortified by this kind
of policy than by any other. The Half premium system pos-
sesses a further advantage over temporary Assurances, or those
for a Term of Years, from the Assured having the option of
continuing for Life the Policy which he may have procured for
a mere temporary purpose.
HALF-EREINIIUM CREDIT TABLE.
Age. E. s. d. Age. s. d.
15 ............ 016 1 40
20 ........ 0 18 0 45 .., ... 1 16
ii
25
30
Risk in Foreign TraN el and Residence is taken, in the com-
putation of extra premium, at as low a rate as the most recent
information will warrant, with a due regard to the' safety o!
the Institution. ALEX. R9DERTSON, Manager.