The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1854-04-04 00:00:00

FIRE DEPARTMENT.

Property insured throughout the United Kingdom. Half of
the surplus premiums returned to the assured every fifth year,
on policies of £3OO and upwards, of two years' standing. The
sixth return, at Christmas, 1847, amounted to ten per cent. on
the premiums paid. CHARLES LEWIS, Secretary.
Exeter, March, 1853.

AGENTS AT LIVERPOOL :

WILLIAM GREGORY, Jun., 11, Exchange-buildings.
D. and J. B. NEILSON, 3, High-street.
J. A. HORACE JEE. Lancaster-buildings.
SAMUEL BULLEY, 18, Exchange. buildings.
THOMAS HAIGH. 7, Castle-street.
ARTHUR JACKSON, Fenwick-court, Fenwick-street.

Fire-engine Station, No. 7, lower end of Mount-Pleasant.
The' Company's Engine Brigade are maintained entirely
at their own expense, and are despatched to all fires, free of
charge, special protection being given to property covered by
the company's policies.

THE ROYAL INSURANCE COMPANY.

CAPITAL, £2,000,000, in 100,000 SHARES of £2O each.

HEAD OFFICE,
NORTH JOHN-STREET, AND DALE-STREET.

TRUSTEES

John Shaw Leigh, Esq. R. B. B. H. Blundell, Esq.
DIRECTORS, &C., IN LIVERPOOL.
Charles Turner, Esq., Chairman.
J. Bramley•Moore, Esq., and Edmund Molyneux, Esq.,
Deputy-Chairmen.
Michael Belcher, Esq. Richnrd Houghton, Esq.
Michael Bousfield, Esq. Edward Johnston, Esq.
Thomas Bouch, Esq. Roger Lyon Jones, Esq.
Ralph Brocklebank, Esq. James Lawrence, Esq.
David Cannon, Esq. William J. Marrow, Esq.
Thomas Dover, Esq. l Francis Maxwell, Esq.
It. Ellison Harvey, Esq. George Maxwell, Esq.
James Holme, Esq. Robert M'Andrew, Esq.
T. Dyson Hornby, Esq. William Smith, Esq.
George H. Horsfall, Esq. John Torr, Esq.
AUDITORS.
William Titherington, Esq., and John Dickinson, Esq.
PHYSICIAN. SURGEON.
Richard Formby, M.D. Hugh Neill, F.R.A.S.
SURVEYOR. SOLICITOR.
Samuel Holme, Esq. Septimus Booker, Esq.
MANAGER AND ACTUARY, Percy M. Dove, Esq.
_ BIRKENHEAD BRANCH,

OFFICE-HAMILTON-BUILDINGS, HAMILTON-STREET.

Agent.—Henry Cole, Esq.
Surgeon.—James T. Vale, Esq., Hamilton-Square.
LIFE BRANCH.

SPECIAL NOTICE.-STAMPS ON LIFE POLICIES NOT

CHARGED.

Attention is directed to the fact that to a defined extent Life
Premiums are not subject to Income-tax, and that in certain
cases Life Policies are exempt from the New Succession
Duties.

FIRE BRANCH.

FIRE INSURANCES will be effected at moderate rates of
Premium. The Company, having the advantage of a Resi-
dent Directory, will be enabled to distinguish itself by its
promptness in the settlement of Claims.
No Charge made for the Policy.
LIFE BRANCH.

The Company likewise assure Lives on any of the following
contingencies, namely :
For the WHOLE CONTINUANCE OF LIFE.—The Premiums
to cease after a LIMITED NUMBER OF ANNUAL PAYMENTS.
For a Sum to be payable at Age 60, or at Death.
PREMIUMS ON CREDIT.

A PORTION OF THE PREMIUMS MAY REMAIN ON
CREDIT, OR ASSURANCES MAY BE EFFECTED IN
VARIOUS WAYS, NOT ENUMERATED, TO MEET THE
CONVENIENCE OF THE PARTY MAKING THE ASSUR-
ANCE.
The important advantages afforded by the Company in this
Branch will include the following. viz.:—
GUARANTEE OF AN AMPLE CAPITAL MODERATE PRE-
MIUMS, LARGE PARTICIPATION OF PROFITS BY THR
ASSURED. SMALL CHARGE FOR MANAGEMENT, &c.

The usual Commission allowed to Solicitors.
Fees to Medical Referees are likewise granted by this Com-
pany. PERCY M. DOVE, Manager.
Policies falling due at LADY DAY should be renewed on
or before the 9th of April next.
March 22; 1854.

THE LANCASHIRE INSURANCE
COMPANY.

CAPITAL, TWO MILLIONS.

OFFICE-26, Market-street, Manchester.
LONDON OFFICE-2, King-street, Cheapside.
LIVERPOOL OFFICE-3, High-street,&s, Exchange-street East.

GLASGOW OFFIZE-101,Miiler-street.
GREENOCK OFFICE—The Mansion-house.

DIRECTORS AT LIVERPOOL.
CHAIRMAN—Eyre Evans, Esq.
Benjamin Darhyshire, Esq. W. F. Hunter, Esq.
Thomas Fry, Esq. I Frederick Lyon, Esq.
George Glen, Esq. i Daniel Powell, Esq.
Charles Holland, Esq. I James Smith, Esq.
RESIDENT SECRETARY—John Semple, Esq.

LIFE DEPARTMENT.
The Life Bonuses accrue from Eighty per Cent. of the
Profits being laid aside to form a Bonus Fund, In accordance
with the Deed of Settlement, and are divisible amongst the
Assured triennially, after the first five years.
PREMIUMS TO ASSURE £lOO FOR WHOLE TERM
OF LIFE.
Age. I 20 I 30 I 40 I 50 I 60

Bonus Rates I .41. 17 0I 26 0 I .R 3 061£4 6 9 I .e 6 7 6
Witlitßonus 113 10 22 6 216 9 , 42 6 62 0

No entrance fees, and no charge for stamps.
FIRE DEPARTMENT. _ _

The Fire Bonuses accrue from-Fifty per Cent. of the Profits
being laid aside to form a Bonus Fund, in accordance with
the Deed of Settlement, and are divisible amongst the As-
sured Annually, on Policies of three years' standing, which
have not been the subject of claim.
All risks insured on reasonable terms.
Insurers with this Company, in either department, have
also the security of a numerous, wealthy, and influential pro-
prietary, with a Capital of Two Millions Sterling, exclusive
of the accumulating Premiums—an advantage not to be found
in Mutual Offices, the payment of the claims on which depend
on the Premiums alone—and as the Half-yearly Interest of
the Proprietors is provided by the investments of the Com-
pany, and the Life Charges being strictly within due limits,
all the real benefits of the mutual system are afforded without
its drawbacks.
The best proof of the important advantages offered by the
Lancashire Insurance Company being appreciated is the great
support which has already been received from the public ;
the first year's Fire Duties payable to Government having
amounted to upwards of .A. 11,300, and this year it is expected
to reach £l6,ooo—a sum and increase never equalled by any
Insurance Company in a similar period.
NOTlCE.—Persons insured with this Office, whose Policies
expire at LADY DAY, are respectfully reminded that they
should be renewed within Fifteen Days from that period; and
those who desire to avail themselves of the advantages and
security of this Company incur no extra expense by the trans-
fer of their Policies.

Agents Wanted for Seacombe, Kirkdale, Everton, and
Garston districts.

Prospectuses, Mercantile Rates, Forms of Proposal, and all
other information, will be afforded at the Offices and Agencies
of the Company.
Mr. WILLIAM HENDERSON, Agent for Birkenhead.
Mr. G. J. ASPI NALL, Agent for Toxteth•park.

NON-FORFEITURE OF POLICIES.
IMPORTANT TO INTENDING ASSURERS.

POLICIES effected in the WESTERN LIFE
ASSURANCE and ANNUITY SOCIETY, 3, Parlia-
ment-street, London, (Established 1642,) do not become void
through the temporary inability, from unforseen circum-
stances, of an Assurer to PAY A PREMIUM when it becomes
due, for by making application to the Directors he will be
allowed once (or oftener should the value of the Policy at the
time of application permit it), to have the privilege of SUS-
PENDING THE PAYMENT of that Premium (provided he
has already paid three whole Premiums at least on the Policy).
And his Policy will be endorsed to the effect that it continues
in force, as if the Premium omitted were paid, being however
charged with a debt equivalent to that Premium and its In-
terest at £5 per cent., which will be deducted from the
amount of the Policy when the Assured dies. The Policy
Holder shall, however, have it in his power to free his Policy
from the debt at any time by paying the amount due.
The great advantage of this feature must at once be seen,
since it removes the usual objections to the ordinary system
of Life Assurance, by which an Assurer often loses all the
benefit he sought in paying regularly the Premiums for many
years on a Policy, because from temporary difficulties he is
unable to pay a Premium when it becomes due, and the Po-
licy consequently lapses to the Office.
The Directors of this Society are open to proposals for
Assurance to any amount.
The Society defrays the cost of Policy Stamps and Medical
Fees, so that the Assured are subject to no charge beyond
the Premiums.
Attention is also invited to the rates of ANNUITY
GRANTED TO OLD LIVES, for which ample security is
provided by the large capital of the Society.
EXAMPLE :—.eloo cash paid down, purchases—
An Annuity of ..€lO 4 0 to a Male Life aged 60 payable as
f 12 3 1 f 63 long
It 14 6 3 70 as he
f f ftlBll 10 75 is alive.
The Annuities are payable HALF-YEARLY; and the first
half-yearly Annuity is paid six months after the purchase-
money is received. All expenses of the Annuity deed are
defrayed by the Society.
All necessary forms, with every information as to the mode
of affording Assurances, may be obtained, either by letter or
personal application to
JOHN SIIIMMIN, Esq., Commission Agent,
3, Clayton-square,
Agent for Liverpool and its
a Vicinity; _
or to the Actuary, A'uu It SCR TCH LEY, M.A., F.R.S.A.,
3, Parliament-street, London, Author of a Treatise (with
rules and tables) on
I.—Benefit Building Societies.
2.—Freehold Land Societies.

3.—TontiiieAsSOCiiiiiiiii:---
4.—Savings Banks and Deposit Life Assurances.
5--Emigration Societies under the new act.
Also, "Observations on Life Assurance Societies," and
" Instructions for the Enfranchisement of Copyhold and Life
Leasehold Property."
ACTIVE AGENTS WANTED.