The Sun.
London, England, 1842-06-10 00:00:00

ALTERNATIVE.

Two thirds, mil! of the even rates, whether for select or dis-
eased lives, or for the risks of foreign climates, may be paid
down, and the ba lance, with interest at 4 per cent. deducted
from sum assuredl
FOREIGN , AND MILITARY AND NAVAL
INSURANCE _ _ .

Distinct class' if icationsOlPl;Cia:aacording to salubrity of
climate ; a spec is price for any particular place, or a voyage
or voyages.
Officers who! ie destinations are not known, cove:ed to all
parts of the we ald .at a small but fixed extra rate of premium.
GEO. FARR EN, Resident Director.

-140NDO,X, —EDINBURGH, and DUBLIN
LIFE A .SSURANCE COMPANY,
No. 3, CH ARLOI 'TE-ROW, MANSION lIM'SE, and
CHAT iCERY-LANE, LONDON.

DIRECTORS.
KENNET"f KINGS, !ORD, Esq., Savage-gardens, Chairman
BENJAMIN 'FILL, . Esq., Welbeck-street, Deputy-Chairman
Alexander Anderson, Esq., York-place, Portman-square
John Atkins, Esq., V Thite Hart. court, Lombard-street
James bidden, Esq., Spread Eagle-court
Captain F. Brandreth, Scots' Fu,ilier Guards
James Hartley, Esq., Lfecklenburgh-square
John M‘Guftle, Esq., Osnaburgh-street
John. Maclean Lee, E. NI., Seething-lane
.1. Altarmaduke Rosseter„ Esq., Kennington-terrace
4 .VDITORS.
H. H. Canaan , Esq., Finsbury .square
Robert E. Alis, Esq., Cornhill
3IEDicAL ADVISER—IIIarsI tall Hall, M.D. F.R.S., L. and E.
SECRETARI '—F. Edgell, Esq.
Souctroms—Alesys.Palin, •.r, France, & Palmer,Bedford-row.

IMPORTANT AND SALUTARY IMPROVEMENTS
have been introduced into t he practice of Life Assurance by
this Company, and the follow ing are some of its distinguishing
and important features, w hich have been introduced after
mature deliberation. They twill be most conveniently pointed
out by referring to Policies, IA divided into two great Classes
—FAMILY PROVISIO: Z POLICIES, and MONEY
TRANSAUTION POLICIES.
FAMILY PROVISIOs' POLICIES.— In the well-
founded belay f that Life A3SU irance business is profitable, per-
sons making ; provisions for tl teir families and contemplating a
long duratio n of time betwee tt the date of the Policy and the
claim to arl se under it, generally prefer Assurances which may
carry with them a right to pa rticipate in the profits to be re-
alised by 't.The Company during ; the currency of their Policies.
By the .0 teed of Constitution 'of this Company, the participa-
ting Asst ired are entitled to tb e Whole of the Mutual Profits, rs
if they h ad been Assured in a purely Mutual Society ; asid
they have, at the same time, the security not only of the funds
of the (2ompany, arising frorr the accumulated premiums, but
also the proprietaryfunds radl subscribed capital of the Com-
pany. To the Sharehold-s .are alloted ONLY those profits
which are realised by tbir.'Aiii a itment of their own paid capital,
and from the r,xcess of the pr.;emiums derived from the not.-
participating A-ssiAraaces. rhis mode of Division and Profits,
se adv intageous se, the Aster rd of the Participating Class, is
adopted only by *tit, Company.
MONEY I R ANSACTION POLICIES.—An acquain-
tance with the records of the i 7,ourts of Law and Equity, proves
that consideral gle changes we re required in the practice and
rules of Life Offices, to liender this class of Policies
valid and nu' sap eachable doe umants of security, which no
foreseen circ amst ances or fut:ure accidents could invalidate.
This Company has endeavoured, and they think successfully,
to render tt Rolicics as indefeasible and negotiable secu-
rities as p, c pnsistently with a ohm regard to the safety of
the contracting pl.! ties; and to effect this object, the Company
has introduced the' following clause into their Deed of Settle-
ment :

Cl ,use 78.—" ' That every Policy issucd by the Company
shall be indefeasible and indisputable, apd the fact of the
iss'aing of the same shall be conclusive evidence of itf validity,
std. it shall nut be 1 awful for the Company to delay pits,merrt
of the money assure d thereby, on the ground of any error., mis-
take, or omission, b totqier important, made by or on the part
of the person or pet s one Affecting the same, and that on the
contrary, the amounts receivable under the same shall be paid
at the time stipulate d by thv Policy, to the person entitled
thereto, as if no -ucb error, reis,take, or omission had been made
or discovered, unles 3 the Policy shall have been obtained by
fraudulent misrepresentation.
In order to pro vide against the defeat of a Policy in the
hands of a Credits r, by the Debtor, whose Life is Assured,
leaving the count', 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 circumstances of the ease,
but fixed and det e mined at the time of i,suing the Policy,
the Debtor, on wh etse Life an Assurance has been effected. is
entitled logo to, or reside in any part of the world, without in.
validating the Ass arance ; by vchich means the Creditor's
claim is rendered c ertain.

To enable a Par ty to effect an Assurance at the LEAST
POSSIBLE EXI3 ENSE, and to entitle him to discontinue it
at a less sacrifice the it by any other plan, a seven years' Half-
premium system has been introduced; and, upon comparing
the following scale w it h any other which has been devised for
reducing present pt. y ments, it will ho seen how much more
economically a loan t ansaction can be fortified by this kind
of policy than by any . other. The Half-premium system pos-
sesses a further advart Age over temporary Assurances, or those
for a Term of Year,.: from the Assured having the option of
continuing for Life tire Policy which he may have procured for
a mere temporary pur Fose.

HALF- F KEMIUM CREDIT TABLE.

Age.
15
••• ..........

d.
0 16 1

Age. £. s. d.
40

_
20 ••••.. ........ 0 .18 0 45 .
25 ............... 1 0 7 50
30 .......... 1 3 7 54
Risk in Foreign . 'I 'ravel and Residence is taken, in the com-
putation of extra pr emium, at as low a rate as the most recent
information will wai ;rant, Cvith a due regard to the sa!ety of
the Institution. ALEX. ROBERTSON, Manager.

39, ALBENIARLE-STREET, PICCADILLY, (directly
(TT )os.te the York Hotel), and may be had also at
71i, KING IVILLIAM-STREET, BANK of ENGLAND.
QIGH'r AND HEARING - TESTI-
MONIALS on the Messrs. S. and B. SOLONIONS'
giewlv-invented SPECTACLE LENSES and INVISIBLE
OPERATIVE VOICE CONDUCTOR for Deaf Persona.
4‘ We, the undersigned, have been for some time making
use of Messrs. Solomons' newly-invented Spectacle Lenses;
the astonishing relief they afford to imperfect vision gives
them the decided preference to every other kind of Len:
—the clearness of the transparency brings every object very
distinct, and enables individuals to view the most minute par
tide with perfect accuracy. They are particularly pleasant
by candle light. as they appear cooling to the sight, and soften
bright and brilliant lights :
James Blundell, Esq., M.D., I, Great George-street, \Vest-

minster.
George G. Sigmond, Esq., M.D., 24, Dover-street:
T. J. Pettigrew, Esq., Surgeon, F.R. S., Saville-row.
John Ramsbotham, Esq., M.D., Broad-street-buildings.
Anthony White, Esq., Surgeon, 3, Parliament-street.
John Hooper, Esq. , Surgeon, 99, Newington-place, Kennington
Frederick Leighton, Esq., M.D., 7, Upper Gower-street.
Messrs. Griffiths and Duncan, Surgeons, 3, Leadenhall-street.
W. Day, Esq., Surgeon, Isleworth.
T. Daldy, Esq., Surgeon, 33, New Broad-street.
R. H. Luens, Esq., M.D., Exeter.
J. Taylor Gordon, Esq., M.D.
Wm. Bowie, Esq., 111. D., Bennett-street, Bath.
C. Heywood, Esq., M.D., Blandford.
Henry Lawrence, Esq., M.D., Tenby.
Wm Jeafreson, Esq., Surgeon-oculist, 21, South Audley-street.
Robinson, Esq., M.D., Cheltenham.
C. Shillito, Esq., M.D., Bri!htan.
William Conolly, Esq., M.D:, Ch :ltenham.
E. 11. Allnatt, Esq., M.D. Walli .gford.
Thomas Willis. Esq., M. D., Brig ton
(i. j:riffiths, Esq., Sragis.:—, iersmith.
IDhn K 9nderick, Esq., Surgeon, N aneh,_!ster-street, :Wenches

Charles Tuna,'lY, Esq.,
ter-squb.,X,
H. Colebourn, Surgeon,C talen-town.
Esq., Surgeon. , Harleyford-place, Ken-

N. M'Cann,
ningtnn.
tsq.,
,Cnrgeon, 50, Pat liament-street.
Samuel Banner, Esq., riurgeon, 26, Berkeley-square.
W. Jones, Et q., Surgeon, 15, Lower Brook-street, Grosvenor
square.
W. English, Esq., Surgeon, Denmark-hill.
A. Barklemore, Esq., Surgeon. 10, Charlotte-st., Bloomsbury.
E. Stoddart, Esq., )iurgeon, 32, Golden-square.
J. H. Walker, Surgeon, 23, C;harlotte.street, Bloomsbury.
C. Higham, Esq., Surgeon, 46, Davies-street, Berkeley-square
Edward Nason, Esq., Surgeon,liuneaton, 'Warwickshire."
In placing the above list of Testimonials before the public,
the Messrs. Solomons, Opticians and Aurists, state that their
INVISIBLE OPERATIVE VOICE CONDUCTOR, by
which thousands of Deaf Persons have been greatly benefited,
is not larger than a seven-shilling-piece, and when fixed into
the cavity of the ear is soft and easy, and not more uncomfort-
able nor perceptible than having a piece of wool in its place.
By its use the faintest whisper at a public assembly is heard
with distinctness.
f hese important new inventions are patronized by their Ma-
jesties the King and Queen of Hanover and their Royal High-
nesses the Princesses Augusta and Sophia, her Serene High-
ness the Princess Est erhazy, the Princesses Mary and Rosa,
her Grace the Duchess• Dowager of Bedford, and their Graces
the Archbishop of Canterbury, the late Duke of Norfolk, the
Dukes of Devonshire, Argyle, Manchester, and Marlborough,
Lord Hill, &c.
Observe the Messrs. :3olomons state that they have no eon..
neet ion with persons of the same name in Ireland and Scotland,
and that they do not employ any Travellers or Agents ; the
genuine articles are only to be had In London, at their Esta-
blishments, 39, Mbeniarlei-street, Piccadilly, opposite the York
Hotel, and 76, King Willigtu-street, Bank.