The Sun.
London, England, 1842-06-24 00:00:00

No. of I I 13, nose,: in
P,.licy. Age. 1813 &

Bonuses in
1527 & I :31,

B nu, .n
184!

X. s. d. X. s. d. X. s. d
37 921 11 2 387 11 10 ti 4 0 4
38 1,0 3 11 159 3 0 ;148 c,4
39 2i7 2 1 f-06 1) R ;7!4 19 u
41 Ir 6 5 9 197 16 2 :299 1., :1
31 i 7213 1 134 13 7 LOI 1
39 IS7 8 6 321 8
JOHN A. BEAUMONT, iv;au:

Total of I Sum
,Insured.

8. s. d. X.
'2ll 3 4 2301)
-147 I'l 3 1001
15 " I I 3000
Got 7 10 1000
d 1 7 V 1003
'174 4 10 2001
(aging Director.

430
435
412
515
952

UNION ASSURANCE OFFICE.
FIRE—LIFE—ANNUITIEP.
Cornhill and Baker-street, London; Coi/gc-green, Dublin ;
And Esplanade, Hainturgli.
Instituted A. D 171. r.
BONUS OF THE YEAIt 1841.

NOTICE.—The BONUS for the Yeti !HI, declared this
day, amounts, with the reserve, to two-thir.ls of the whole Pro-
fits of the LIFE DEPARTMENT, the rescr7e beir•g to accu-
mulate towards the next division, in tie year 1848, and the
ample Capital invested during the long yeriod of more than a
century and a quarter, guarantees the insured from respoiisi-

loility. -
Life Insurances effect( d also upon a •''dueed scale of pre-
miums, to which profits do not attach.
Fire Insurances upon every descri tion ~ipro7oerty.
Juae 1, 1842. THOMAS LEWIS, Sec.

VICTORIA LIFE ASSURANCE AND
LOAN COMPA N Y.

No. IS, King William-stree' , City.
TRUSTEES.
Sir JAMES DUKE, Alderman, M. e'., Chairman.
BENJAMIN HAWES, Esq., Deputy Chairman.
Benjamin Barnard, Esq. Charles Baldwin, Esq.
Solicitor, John Curtis, Esq., 80, Pas'eghall-strr et.
The principle of this Company is to a•Iow to each Assurer
such reasonable advantages, as may suit ',is particular views.
Thus, parties Assuring the Lives of oCi..srs, may make their
Policies secure, notwithstanding the Life Assured may go out
of the limits of Furore, wi bout the necessary permission of the
Directors having been previously obtained. Credit of half the
Premiums for the first five years, allowN: on Policies effected
for the whole term of Life. Parties who have been Assured
for five years will be allowed to borrow on he security of their
Poli ies, a sum equal to one-half the Premiums paid, less that
for the first year. Advances are male to rarties Assured in
the Office, on real or undoubted Persm S'curity, for terms
not exceeding three years, repayable by ins.:alinents. Premiums
moderate. Participation in profits. Detai!ed Prospectnses
may be obtained on application at the Office, or by letter
addressed to the Secretary.
WILLIAM RATRAY, Actrary and Secretary.

LONDON, EDINBU RUA, and DUBLIN
LIFE ASSURANCE CO3 ''ANY,
No. 3, CHARLOTTE-ROW, MANSION HOUSE, and
55, CHANCERY-LANE, LONDON.
DIRECTORS.

KENNETT KINGSFORD, Esq., Savae"-gardens, Chairman
BENJAMIN IFILL, Esq., Welbeek-strect, Deputy-Chairman
Alexander Anderson, Esq., York-place, Portman-square
John Atkins, Esq., White Hart•eour; Lombard-street
James Pidden, Esq , Spread Eagle-eturt
Captain F, Brandreth, Scots' Fusilier Guards
James Hartley, Esq., Mecklenburgh-square
John M'Guffie, Esq., Osnaburgh-strt2t,
John Maclean Lee, Esq., S.eething-Lne
J. Alarmaduke Rosscter, Esq., Kennington -terrace
AUDITORS.
H. H. Canaan, Esq., Finsb -.7y. square
Robert E. Alis-n, Esq., Co•r_hill
AlEnt 7AL ADVlSER—Marshall Hall, 111.1.! F,R.S., L. and E.
SECRETARY—F. Edger', Esq.
SOLlClTORc—Alessrs.Palmer, France, & l'almer,Bedford-row.

IMPORTANT AND SALUTARY IMPROVEMENTS
have been introduced into the practice or Life Assurance by
this Company, and the following are son r, of its distinguishing
and important features, which have it, en introduced after
mature deliberation. They will be most conveniently pointed
out by referring ts Policies, as divided into two great ClaaFes
—FAMILY PROVISION POLICIES, and MONEY
TRANSACTION POLICIES.
FAMILY PROVISION POLIC:::S.— In the well-
founded belief that Life A ssuranee busio,...ss is profitable, per-
sons making provisions for their famtlii t_ and contemplating a
long duration of time between the date et the Policy and the
claim to arise under it, generally prefer Assurances which may
carry with them a tight to participate in the profits to be re-
alised by the Comprny during the currency of their Policies.
By the Deed of Constitution of this Colt:pany, the participa-
ting A ssured are entitled to the Whole of the Mutual Profits, as
if they had been Assured in a purel-: Mutual Societ3 ; and
they have, at the same time, the seeurii.:, not only of the funds
of the Company, arising from the accurnwated premiums, but
also the proprietary funds and subscribe I capital of the Com-
pany. To the Shareholders are allow(' ONLY those profits
which are realised by the investment of their own paid capital,
and from the excess of the premiums 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 POL 'IES.—An acquain-
tance w'th 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 of Policies
valid and unimpeachable documents of security, which no
foreseen circumstances or future acci.le..tts could invalidate.
This Company has endeavoured, anti trey think successfully,
to render their Policit s as indefeasibt' and negotiable secu-
rities as possible, consistently with a du+ ^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 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 shall not be lawful for the Cornh.my to delay payment
of the money assured thereby, on the gre ':nd 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 :Savo 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 country, and going beyond the prescribed limit.,
the Company graut•what they term WHOLE WORLD PO-
LICIES, whereby, on condition of receiving an extra premium,
varying in amount according to then ceumstances of the ease,
but fixed and determined at the time of issuing the Policy,
the Debtor, on whose Life an Assuratic;l 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 Assu,rance at the LEAST
POSSIBLE EXPENSE, and to entitle him to discontinue it
at a less sacrifice than by an other plan, a seven years' Half-
premium system has been introduce-., and, upon comparing
the following scale with any other which has been devised for
reducing presect payments, it will be seen how much more
economically a loan tran,action can be fortified by this lind
of policy than by any other. The I-Wt.-premium system pos-
se-ses 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 tray have procured for
a mere temporary purpose.

HALF-PREMIUM CREDIT TABLE.

Age. X. E. d. Age. X. s. d.
15
20 ...... ........ 0 18 0 45 ..
25
30
Risk in Foreign Travel and lteidei.ce is taken, in the com-
putation of extra premium, at as low a fate as the most recent
information will warrant, with a due regard to the safety of
the Institution. ALEX. ROW :0180N, Manager,