The Sun.
London, England, 1845-04-30 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
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 unprecedented fact of upwards of 6,000
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 necessary for me to state, that two
highly respectable and well-established Life Assurance Companies
have successively transferred their business to this establishment.
The former of these transfers took place in the year 1840 the
letter in the course of the past year.
It is in consequence of this last-mentioned transfer, which included
a large number of Policies effected on the mutual assurance plan, and
also in consequence of the numerous applications for Assurances on
this plan, which they have hitherto been compelled to decline, that
the Directors at length determined on the establishment of a Mutual
Assurance Branch, on the plan set forth in the Prospectus, after it
had been submitted to, and unanimously approved by, two succes-
sive General Meetings of Proprietors, specially convened on the
occasion.
The general objection to Mutual Assurance Societies, that (in their
infancy, at least) they do not afford that complete security to the
Assured which is supplied by the subscribed capital of Proprietary
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 'trench,
but the large and continually-increasing fund, accumulated from the
Premiums on 6,000 Policies already effected in that Branch, consti-
tutes an immediately available fund for the payment of the claims of
' the Assured, who will thus enjoy all the 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 the Mutual Assurance Plan (as gene-
rally acted on) is the high rate of premium required to be paid, in
the fiat instance, in order to form a fund—not only for the payment
of the claims, but also for the distribution of large bonuses among the
policy-holders. This objection also is entirely removed by means of
the half credit system detailed in theprroastpeecotfupsr.emriourm,,byinatlioewfiinrsgt
half the amount of the first five annual premiums to remain for 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
instance, combined with that of a full participation, eventually, in
the profits.
In availing myself of this opportunity of congratulating my co-
shareholders on the extraordinary 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-
late them on the complete success of the Mutual Assurance Branch,
which, after the most anxious care and attention, has been founded
on a plan calculated, 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 part, not only on the present important
occasion, but also in every other instance in which their advice and
assistance have been needffil 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 Office, 1, Princes-street, Bank,
London, 20th March, 1845.

,K4lnanivdes42a, nB4A
it
BForks,icN ,
sei,"andaudpe'to 14/. • Ja-
-----
TRAYS,s..
TEADish Covers,
and 16, NORTON-FOLGATE. Established half a century.—A set
355. ; very
richly ornamented all over,
atl Ce.aIVAUTTON.s,'S
pnn Tea-trays, 7s. fid. a Set, and upwards ; a Five
Quart London
of 3 Paper Tea-trays, inclusdinos.g
athseet loafrgTehrste
made Bronze Tea-urn 355., with the newest patterns np to five gui-
neas ; a Set of Six patent raised London made Dish Covers, 18s. 6d. •
best imperial raised, Ms. 6d. Set of Six. Elegant silver shape, 525. 6d:
Set of Six.
er dozen, Dessert, 9s. ; Carvers, 3s. 6d.
Ivory Table-knives, 110. p
per pair.

TABLE. DESSERT. CARVERS.
doz. doz. pair.
314 n. handsome balance handle ...• 18s. Od. 14s. Od. 6s. 6d.
4-In. balance handle, largest and best
....... .. •
............. 20s. Od. 16s. Od. 7s. 6d.
made...
Ditto with Watson's Albata Plate
handles, equal to silver ......... 225. 6d. les. ed. es. 6d.
Forks half the above price.
C. Watson's handsomely Illustrated Catalogue and Price Current
C. WATSON'S PARAGON
IN.
Is just published, and families who regard economy and elegance
should possess themselves of this useful book, Which may be had
gratis, and post free, from the above address.
THE LAMP WONDER,
Sole inventor of the celebrated Albata Plate, which Is so rapidly
CtrA. MPHINE
superseding Silver.
LAMP.
y of its light surpasses
The great fault which has proved fatal to the success of the Vesta
NI layt Cd
otherii l
Lamp, viz., the emission of black smuts and smoke, is entirely ob-
t hyeetrsaereang,°ann—d
C. Watson's Warehouses, 41 and 42, Barbican, and 16,
tbhurne brsilliforanocnye ahnaldf-ppeurnitny p
Norton Fol-
gate, are replete with every variety. The Spirit, analysed by Dr.
Ure, is sold by C. Watson, at 4s. per gallon.
1 Contracts given for Chapels and Public Buildings.

LAMERT ON DEBILITY, NERVOUSNESS, AND ALL
DISORDERS ARISING FROM EXCESS, &c.
" He, who in pleasure's downy arms
Ne'er lost his health or youthild charms,
A hero lives, and jastly can
Exclaim, in me behold a man !"
Just published (in a sealed envelope), Tenth Edition, price 2s. 6d., or
sent by post, free, to any address, 3s. 6d.,
QELF-PRESERVATION : a Popular Essay on
1,7 those concealed disorders, originating in youthful excesses,
and terminating in Nervous Debility, Local and Constitutional
Weakness, and all those Sinkings, Anxieties, and Tremors, which
afflict the Weak, the Sedentary, and the Delicate. With Practical
Observations on Marriage, and on the Anatomy, Physiology, and
Diseases of the Reproductive Organs, with plain Directions for their
perfect Restoration.
By SAMUEL LAMERT, Consulting Surgeon,
9, BEDFORD-STREET, BEDFORD-SQUARE, LONDON,
Matriculated Member of the University of Edinburgh, Honorary
Member of the London Hospital Medical Society, Licentiate of
Apothecaries' Hall, London, &c.
" The various positions of Lover, Husband, and Parent, the in-
herent privileges of mankind, are frequently marred and prevented
through the follies and frailties of early indiscretions. To suck, among
others, this Essay addresses itself; and by its perusal many questions
may be satisfactorily adjusted that admit of no appeal even to the
most confidential friend."—Stafford Gazette.
"Long experience in the treatment of a class of diseases hitherto
neglected and most imperfectly understood by the great bulk of the
medical profession, has enabled the writer to prove that there are
concealed causes of Nervous Debility in existence, where the mere
routine practitioner would never dream of finding them; traceable
to certain habits, forming the most secret, yet deadly, and fatal
springs of domestic misery, and premature mertality."—Wakefield
Journal.
Published by the Author, and sold in London by S. Gilbert, 51 and
52, Paternoster-row; Starie, 23, Tichborne-street, Quadrant, Regent-
street ; Hannay and Co., 63, Oxford-street ; Noble, 114, Chancery-
lane Gordon, 146, Leadenhall-street ; and by all Booksellers.
At home every day till Three, and from Five till Eight.

FOURTEENTH EDITION of the SILENT FRIEND on Human
Frailty, with Coloured Engravings.
Just published, price 25. 6d., free by poet (in a sealed envelope) 35.6 d.,
THE SILENT FRIEND ; a Medical Work on
the Infirmities of the Generative System in both sexes ; and
on the loss of the reproductive powers, with means of restoration.
The benefit' effects of solitary indulge-ice, neglected syphilis symp-
toms, &c., are Wily pointed out. Illustrated by Engravings ; followed
by observations on Marriage, with plain directions for the removal of
certain disqualifications. By R. and L. PERRY and Co., Consult.ng
Surgeons, London. Published by the Authors, and may be ad at
their residence, 19, BERNERS-STREET, OXFORD-STREET.
Sold by Strange, 21, Paternoster-row ' • Hannay and Co., 63, Ox-
ford-street; Gordon, 146, Leadenhall-street ; Purkiss, Compton-
street, Soho ; and all Booksellers.
"We regard the work before us, the ' Silent Friend,' as a work
embracing most clear and practical views of a series of complaints
hitherto little understood, and passed over by a majority of the me-
dical profession, for what reason we are at a loss to know. We must
however confess that a perusal of this work has left such a favourable
impression on our minds, that we not only recommend, but cordially
wish every one who is the victim of past folly, or suffering from indis-
cretion, to profit by the advice contained in its pages."—Age and Argus.
The CORDIAL BALM of SYRIACUM is exclusively directed to
the cure of nervous and sexual debility, irregularity, weakness, loss
of appetite, indigestion, consumptive habits, and debilities arising from
excess, &c. In bottles, price I Is., or the quantity of four in one
bottle for 335., by which Ils. are saved. The five-pound cases may
be had as liana'.
The CONCENTRATED DETERSIVE ESSENCE, an anti-syphi-
litic remedy for searching out and purifying the blood from scurvy,
blotches en the head, face, and body, ulcerations, and those paleftil
affections arising from improper treatment or the effects of mercury,
removing secondary symptoms, and all eruptions of the akin. price
115. and 335. per bottle.
PERRY'S PURIFYING SPECIFIC PILLS, price 2s. 9d., 4s. 6d.,
and 11s. per box, are the most effectual remedy for strictures, s,
inflam-
mation, Irritation of the bladder, &c., without hindrance to business.
Consultation fee, if by letter. 11. Minute detail of eases necessary,
Messrs. sarY.
Messrs. Perry are in daily attendance, for consultation, at
re-
ridence, 19, Berners-street, Oxford.etreet, Landon, fhon 11 till 2, and
b till 8. On Sundays from 1U till 12. 0120 personal visit is only ne-
cessary to effect a immanent cam

Second Edition, price 10s. 6d. cloth,
Ant. SERGEANT TALFOURD'S •VACA-
TION RAMBLES and THOUGHTS; comprising the Re-
collections of Three Continental Teurs, hi the 'Vacations of 1041,
1842, end 1843.

Also, in 2 ♦ols., post Bio.,
Mrs. SHELLEY'S RAMBLES in GERMANY axcl ITALY.

Edward Moxon, 44, Dover-street.