The Sun.
London, England, 1842-06-03 00:00:00

AUDITORS,

Professor Wheatstone, F. R. S. I Professor Graves, A.M.. F.R. 9,
ACTUARY—W. S. B. Woolhouse, Esq., F. R.A. S.
Elliotson, 111.1)., F. B.S.
SunarloN—E. S. Symes, Esq.
Souerrons—Messrs. Sweet, Sutton, Ewens, and Ommanwy,
6, Basinghall-street.
BANKERS—Messrs. Glyn, Halifax, Mills, and Co.
LIFE ASSURANCE.

A DTA NTA Es—Perfect security from a large paid-up Capi-
tal and accumulations—Equitable Rates—Power to borrow
Two-thirds Premium paid, without expense or forfeiture—and
Profits annually divided.

N.B. Policies for Short Periods at Lower Rates than at any
other Office, with option of continuance for Life, at the usual
rates.

DEFERRED ANNUITIES.
The best and most varied provision for after life hitherto of-
fercd---R2 12s. per annum (Is. per week) at 20, will at 65
give the policy-holder the choice of an araattity of £47 165.. 6d.
or £349. Its. cash, or policy at death of ..+.:,166. Similar ad-
vantages at 50, 55, and 60—Two-thirds payments lent at any
time, and Two-thirds returned in case of premature dealt).
The detailed Plans, and Last Annual Report, to be had at
the Office, at any of its Branches, or on application will be for-
warded post free.
F. FERGUSON CANIROUX, Secretary.
VICTORIA

LIFE ASSURANCE AND
LOAN COMPANY.
No. 18, King William-street, City.
TRUSTEES. • .
Sir JAMES DUKE, 'Alderman, M.P., Chairman.
BENJAMIN HAWES, Esq., Deputy Chairman..
Benjamin Barnard, Esq. I Charles Baldwin, Esq.
Solicitor, John Curtis, Esq., 80, Basinghall•strcet.
The principle of this Company is to allow to each Assurer
such reasonable advantages, .as may suit his particular views.
Thus, parties Assuring the Lives of others, may make their
Policies secure, notwithstanding the Life Assured may go out
of the limits of Europe, wi'hout the necessary permission of the
Directors having been previously obtained. Credit of half the
Premiums for the first five years, allowed on Policies effected
for the whole term of Life. Parties who have been Assured
for five years will be allowed to borrow on the security of their
Poli,ies, a sum equal to one-half the Premiums paid, less that
far the first year. Advances are made to parties Assured in
the Office, on real or undoubted Personal security, for terms
not exceeding three years, repayable by instalments. Premiums
moderate: Participation in profits. Detailed Prospectuses
may be obtained on application at the Office, or by letter
addressed to the Secretary.
WILLIAM EATRAY; 'Actuary and Secretary.

COT T 1 SIT UNION
1.7 RANCE COMPANY,
rated by Royal Charter.

FIRE and LIFE 1N SL'.
instituted 1824, and ineorpa

LONDON BOARD.

_ . —„...—. .
Charles Balfour, Esq. ✓ Robert Murray, Esq.
J. Deans Can.pbell, Esq. R. Oliversoc, Esq.
J. Gordon Duff, Esq. Divie Robertson, Esq.
Mbt. Gillespie, Esq. 11. F. S.sndeman, Esq.
James Gooden,'Esq. J. Small, Esq.
John Kingston, Esq. Daniel Stoddart, Esq.
SUT II ERLA ND MA CK ENZ IE, Esq., Manager.
London Offices, 449, West Strand, and 76, King William.
street, City.
LIFE DEPARTMENT.
_. .... .

The additions made to Life Policies granted by this Corpo-
ration for the last seven years vary from 41 to 65 per cent. on
the wemitims paid,.and average 14 per cent on the sums as-
sured—a result, it is believed, far more favourable to the as-
sured than any other Company has hitherto accomplished, when
the low rates of premiums charged by this Corporation are
taken into consideration.
The next division of life profits will take place in December,
1846, being an interval of five }ears, and persons entering be •
fore the lst of August next will enjoy one year's additional
rating, and rank at next division of profits fur five complete
years.

Forms of proposals may be had at :the Offices, 449,1 West
Strand, and 78, King William-street. City.
F. G. SMITU, Secretary.
'The usual allowance to Solicitors and Agents.

T OND ON, EDINBURG 11, and DUBLIN
LIFE ASSURANCE COMPANY,
No. 3, CHARLOTTE-ROW, MANSION HOUSE, and
65, CHANCERY-LANE, LODON.

DIRECTORS.
KENNETT KINGSFORD, El., Savage-garden,', Chairman
BENJAMIN IFi LL, Esq., Welbeck-street, Deputy-Chairman
Alexander Anderson, Esq., York-place, Portman-square
Jolla Atkins, Esq:, White Hart. court, Lombard-street
James Bidden, Esq , Sp,ead Eagle-court
Captain F. Brandreth, Scots' Fusilier Guards
James Hartley, Esq , Meeklcnburgh-square
John Nl‘Guffie, Esq., Osnaburgh.streot
John Maidean Lee, Esq., Seething-lane
J. Marmaduke Ross; ter, Esq., Kennington-terrace
AUDITORS.
H. H. Cannan, Esq., Finsbury square
Robert E. Alison, Fsq., Cornhill
•

MEnreAL Anvlscrt—Marshall Dab, M.D. ER: S., L. and E.
SECRETARY—F. Edgell, Esq.
Somccrons—Messrs. Palmer, France, & Paltner,Bed!ord-row.
IMPORTANT AND SALUTARY IMPROVEMENTS
have been introduced into the practice of Life Assurance by
this Company, and the following are some of its distinguishing
and important features, which have been introduced after
mature deliberation. They will be most conveniently pointed.
out by referring to Policies, as divided into . two great Classes
—FAMILY PROVISION POLICIES, and MONEY
TRANSACTION POLICIES.
FAMILY PROVISION POLICIES. In the well-
founded belief that Life A ssuranee 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
tarry 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 Company, the participa-
ting A ssured are entitled to the Whole of the Mutual Profits, as
if they had bren Assured in a purely 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 :re realised by the investment of their own paid capital,
and from the excess of the
This
derived from the non-
participating Assurances. This mode of Division and Profits,
so advantageous to the Assured of the Participating Class, is
adopted only by this Company.
MONEY TRANSACTION POLICIES.—An acquain-
farce with the records of the Courts of Law and Equity, proves
that considerable changes were required in the practice and
rules of Life Offices, to render this class td Policies
valid and unimpeachable discuments of security, which no
foreseen circumstances or future accidents could invalidate.
This Company has endeavoured, and they think successfully,
to render their Policies as indefeasible and negotiable secu-
rities as possible, consistently with a due regard 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 issued by the Company
shall be indefeasible and ii.disputable, and the fact of the
issuing of the same shall be conclusive evidence of its validity,
and it 'Slat' not 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
hands of a Creditor, by the Debtor, whose Life is Assured,
leaving the country, 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 termined 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. _ .

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 which has been devised for
reducing present payments, it will be seen how much more
economically a loan tramaction can be fortified by this kind
of policy than by any other. The Half-premium system pos-
sesses a further advantage over temporary Assurances, or tho:,e
for a Term of Years, from the Assured having the option of
centinuing for Life the Policy which he may have procured for
a mere temporary purpose.

HALF-PREMIUM CREDIT TABLE.

Age,

X. E. d.

Age.

15

X. 9. d.

40

20 ..............0 18 0 45
25

30

54

~... 2 12 5

Ilisk in Foreign Travel 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 of
the Institution. ALEX. ROBERTSON, Manager.

fIOLD WATCHES, LONDON MADE.
Nil A. 13. SAVORY and SONS, 'Watchmakers, No. 0, Cornhill,
London, opposite ti v •tank of England, submit for selection a
very large STOCK GOLD WATCHES, the whole of
which are made and ti:.ished under the careful inspection of
experienced workme., ..n their own premises, and each is war-
ranted for correct pel lo mance.
SC/Sq. FOR LADIES.

Fine Vertical Watch s, jewelled, in engine-turned
gold cases and gold d 9.15, warranted • .. £lO 10 0
Fine Vertical Watcher,. jewelled, with double-
backed engine turneC gold cases and gold dials,
warranted
Patent detached Lever A'atches jewelled in tour
holey, with double-ba -tked gold cases and g9ld
dials, warranted
SIZE FOR GENTLEMEN.
Patent detached Lever Watches, jewelled in four
holes, seconds, and double-backed gold cases,
warranted
atent detached Levey Watches, capped, jewelled
in six holes, seconds, double-backed gold cases
and enamel dials. warranted
Patent detached Lever Watches, capped, jewelled
in six holes, seconds, double-backed gold cases
and gold dials, warranted
.

12 12 0

14 14

17 17 1►

21 0 0

Either of the Gentlemen's Watches may be had in gold
hunting cases for 3/. 3s, each extra. N.B. Second-hand
Watches purchased in exchange.