The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1840-11-27 00:00:00

ASYLUM LIFE OFFICE.

70, CORNHILL, LONDON, sr 14, CASTLE-STREET,
LIVERPOOL.
ESTABLISHED IN 1824.
The Hon. William Fraser, Chairman.
Maj. Gen. Sir J. L. Lushington, G.C.8., Deputy Chairman.
Medical Officer for Liverpool, Alex. Hannay, M.D.
" The Asylum Company" (says the historical sketch of
the various Life Offices) " grant Assurances on Select Lives
on Lower Terms and under a greater variety of modes than
any other Office." The following are some of the leading
feutures and facilities of this Institution :

RENEWABLE TERM POLICIES.—The new system
now offered by the Asylum Company enables parties to
secure the utmost advantages with the smallest possible out-
lay, by allowing Policies to continue in force for the whole of
Life, whatever the future state of health of the Assured.
AN ASCENDING SCALE OF PREMlUM.—Com-
mencing with a small rate for the first year ; an increased
rate from the Bth to the 15th year, and a fixed rate afterwards.
A DESCENDING SCALE, by increased payments at
the commencement, and gradually diminishing the rate until
there is nothing further to pay.
LOAN ON THE POLICY.—This Office allows the
Assurer to retain one-third of the Premium from the very
commencement, charging him interest at the rate of 4 per
cent. only : he is never called upon for the arrears, but may
pay them up whenever he pleases.
FOREIGN ASSURANCES.—Assurances are granted to
any part of the world, and it is a peculiar feature of this
Office that the Assured has the right to proceed to, or reside
in any foreign country, on payment of an extra rate.
PERSONS OF ADVANCED AGE, PECULIAR
FORM, OR INFIRM HEALTH, &c., and who would be
rejected by other Offices, are assured at moderate rates.
The foliowing are extracted from the Tables, as specimens
of the Rates for an Assurance of £lOO.

EVEN SSALE. I ASCENDING SCALE.
bo For the Bth to 15th and
I One I Seven Life. 4.4 I First the 14th every
Year. Years. .Z 7 Years. Year. Year after.
301 1 1 0 I 1 2 1012 2 0 30
-
1 8 7 115 11 314 0
40 18 2 110 8 217 0 43 118 3 2 7 0 4 2 2

RENEWABLE TERM SCALE,

I First I Second I Third 1 Fourth Fifth Sixth
44k. Year, Year. Year. Year. Year. Year, &c.
6 4 1 7 1 1 711 1 8 9 1 9 7 110 8 &c.

Detailed Prospectusses may be had from the undersigned.
C. J. TOWNLEY, Agent,
Stock and Sharebroker,
14, Castle.street.

CALEDONIAN INSURANCE COMPANY,
INCORPORATED BY ROYAL CHARTER,
FOR INSURANCE OF LIVES & SURVIVORSHIPS,
PURCHASING AND GRANTING ANNUITIES,
CONFERRING ENDOWMENTS,

AND INSURING AGAINST LOSSES BY FIRE,
13, BANK-STREET, EDINBURGH :

8, WELLINGTON-ST., SOUTHWARK, LONDON;
51, DAME-STREET, DUBLIN; &
THOMAS URQUHAItT,
AGENT FOR THE COMPANY,
76, LATE 59, LORD-STREET, LIVERPOOL.
ESTABLISHED 1805.

THE FOLLOWING ARE A FEW OF THE ADVANTAGES TO BE
DERIVED BY PERSONS INSURING WITH THIS COMPANY..
LIFE BRANCH.

First.—Perfect Security to the Assured.
Second.—Rates of Premium as low as is consistent with
Safety.
Third.—Premiums payable Yearly, Half-yearly, or Quar-
terly.
Fourth.—Liberty to the Assured to pass in Time of Peace
from one Part of Europe to another, by Sea and Land, with-
out Payment of additional Premium.
Fifth.—Loans granted on Security of Policies.
Sixth.—The strictest secrecy observed in all cases trans-
acted with the Company.
Seventh.—Liberal Allowances for the Surrender of Policies.
Eighth.—Claims payable Three Months after Death.
Ninth.—No Entrance Money chargeable.
ANNUITIES.

The Terms of this Company are particularly favourable to
Persons who are desirous of purchasing Annuities, and which
may be known by applying at the Head Office, or Branches.
FIRE BRANCH.

The Caledonian is the oldest Scottish Establishment but
one. Every description of Fire Business is transacted on
the most moderate Terms.

Losses are settled with promptitude, and Tables of Pre-
miums and every information given, on application at the
Head Office, and at the Agencies.
THOMAS URQU•HART ,

76, LORD-STREET, AGENT FOR THE COMPANY.
Also, A. BAIRD, Merchant, Bath-street, Liverpool.
MEDICAL REFEREE FOR LIVERPOOL, DR. ANDERSON.
H. D. DICKIE, Manager, Edinburgh.
JOHN MOINET, Secretary,

THE AUSTRALASIAN, COLONIAL, and GENERAL
LIFE ASSURANCE and ANNUITY COMPANY,
126, BISHOPSGATE-STREET, corner of Cornhill. London ;
20, WATER-STREET, LIVERPOOL.
Capital £200,000, in 2000 Shares.
DIRECTORS.
Edward Barnard, Esq. C. E. Mangles, Esq.
Henry Buckle, Esq. J. B. Montetiore, Esq.
John Henry Capper, Esq. J. H. Ravenshaw, Esq.
Gideon Colquhoun, jun. Esq. Sir James Stirling.
John Edwards Lyall, Esq. William Walker, Esq.
TRUSTEES.
Edward Barnard, Esq. ; John Henry Capper, Esq. ;
Thomas Richardson, Esq.
AUDITORS.
Sir Francis Hastings Doyle, Bart., and C. Richardson, Esq.,
(72, Cornhill.)
MANAGER.
Major J. A. Willows, E. I. Co.'s Service.
SECRETARY.
Edward Ryley, Esq.
ACCOUNTANT.
Mr. Christopher Cousins.
MEDICAL REFEREES.
Dr. Hannay, 30, Great George's-square, Liverpool.
W. Beever, Esq. F.R.C.S. Mosley-street, Manchester.
BANKERS.
The Liverpool Commercial Bank, Liverpool.
Messrs. Jones, Loyd and Co. Manchester.
ADVANTAGES PECULIAR TO THIS SOCIETY.
AN ample subscribed Capital, which, from the mode of
investment, will contribute to, instead of detract from,
the profits.
Rates of Premium lower than those of most of the com-
panies which do not offer participation in profits.
Participation to the 1,000 policy holders of the oldest
dates for the time being, for £5OO or upwards for the whole
of life, in profits to the extent of one-half, including those
of the Annuity Branch.
A separate Policy for every bonus, which becomesan abso-
lute reversion, unincumbered by payment of premium.
A DESCENDING SCALE OF PREMIUM, under which, after
certain periods, payments cease altogether, but profits con-
tinue.

AN ASCENDING SCALE particularly favourable to those
who are looking forward to an increase of income, and entit-
ling Assurers to profits.
Two-thirds of each annual premium for the whole of life
may be paid, and one-third may remain at compound inte-
rest at 5 per cent.
A liberal system of conducting business, a tender of arbi-
tration in all disputed cases, and very moderate expenses of
management.
Naval and military service, voyages, and foreign residences,
at equitable rates of premium.
ADDITIONAL ADVANTAGES TO EMIGRANTS.
No extra premium for voyages in approved vessels to or
residence in the Australasian colonies in approved situations.
Premiums may be paid at any settlement in Australasia
where there is a bank.
Policies, whether effected in England or these colonies,
may be made payable in either by endorsement.
Present Table of Annual Premiums for Assurance of £lOO
for Seven Years, and the Whole Life.

Age. Seven Years.

Life.
-------.-.--/ .
£ s. d.
110 3
1 14 11
2 0 7

Age.lSeven Years.)

Life.
X s. d.
2 15 3
4 1 8
6 3 9

X s. d.
20 0 17 1
25 0 19 7
30 1 3 4

X s. d.
40 1 9 6
50 2 7 2
60 316 5

ADVANTAGES TO ANNUITANTS.
A higher rate of annuity than can be granted with safety
by companies making their principal investments in England,
and participation to the 1,00(1 annuitants of the oldest date
for the time being, to the extent of one-half of the general
profits of the Company.
KIRKBYBayn 20, Water-street,
orderdwA oTfstoheND, Directors.
KIRKBY
STANWAY and JACKSnchON, Agents, Brown-street,
Maester.