The Sun.
London, England, 1845-04-23 00:00:00

One-third of "Whole Term" Premium may remain unpaid at
5 per cent. compound interest, as a debt upon the policy for life, or
may be paid off at any time without notice.
In Assurances for Advances of Money, as security for debts, or
as a provision for a family, when the least present outlay is desirable,
the varied and comprehensive tables of the Argus Office will be found
to be particularly favourable to the Assured.
The Medical Officers attend daily at a Quarter before Two o'Clock.
EDWARD BATES, Resident Director.
A liberal Commission to Solicitors and Agents.

BRITANNIA LIFE ASSURANCE COM-
PANY, 1, PrinceB•street, Bank, and 448, West Strand, Lon-
don, March 1, 1845.

I Notice is hereby.
'unanimously at two successive General 3lectings of Proprietors, a
given, that in pursuance of a resolution passed
MUTUAL ASSURANCE BRANCH of this Institution has been
established on terms Peculiarly advantageous to the Assured, and
that such Branch is supported by the entire sub
scribed capital of the
Company, together with the accumulated tbnd of Premiums derived
from upwards of Six Thousand Policies, already effected in the Pro-
prietary Branch.
Full particulars are stated In the Prospectus, which,
with every re-
quisite inibrmation, may be obtained on application at the office.
PETER MORRISON, Managing Director.

To the PROPRIETORS of the BRITANNIA. LIFE ASSURANCE

COMPANT.--
GENTIMIZN,—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.
policies having been issued in the short s
That the ." Britannia" Company has enjoyed 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
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
pace of eight years. In
have successively transferred their business to this establishment.
The former of these transfers took place in the
year 1840 ; the
latter 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 en the establishment of a Mutual
two succes-
sive General Meetings of Proprietors,
Assurance Branch, on the plan set forth in the Prospectus, after it
had been submitted to, and unanimously approved by,
occasion.
specially convened on the
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 Branch,
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 paymemt 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 the prospectus. For, by allowing
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
congratulating ray Co.which hitherto has at-
tendedenjoys the rare advantage of a very low rate of premium, in the first
instance, combined with that of a fa participation, eventually, in
usucitcyessof
the profits.
the operations of the Britannia Life Assurance Company, I
shlarneahvoladileimngonmytsheelf eoxftrtahoisrdoinpapryort
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 fiCCOMMO-
date the public.
I cannot, in justice to the Director this 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 needtbl for promoting
tution. I have the honour to be, Gentlemen,
Your most obedient servant,
PETER MORRLSON
. a x
danaaine
treet Bank, -- Director,
Britannia Life Office, 1, Princes-s ,
London, 20th March, 1841.

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