The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1841-11-02 00:00:00

71101 04.1 P.

4f..; 1:14.8 114

LI. MALE.

STREET, KING- sTRE

Manchester.. Cnoss-
Glasgow .. .. 30, 1101- AL EXCHANGE-

;QUARF

ACCUMULATED FUND EXCEEDING

ONE MILLION & FORTY THOUSAND POUNDS

ANNUAL REVENUE EXCEZDINC

ONE HUNDRED & EIGHTY THOUSAND POUNDS

Tins INSTITUTION is the oldest, and, in point of bu-
siness, the most extensive LIFE OFFICE in Scotland.
A slight consideration of the following statements will
abundantly satisfy intending Assurers that there is not-at
this time any other LIFE OFFICE in the United Kingdom
which, whether in respect of
The sound principles on which it is constituted,
•The unprecedented prosperity of its course throughout,
The selection of its Lives,

The successful investment of its Funds, and
The uniform promptness and liberality of its settlements,
can hold out more solid advantages, especially to that impor-
tant class of Assurances effected as FAMILY PROVISIONS.

The WHOLE SURPLUS PROFITS belong to the AS-
SURED, and are divisible septennially.
As ascertained from the investigation at 31st December,
1838, these Profits were sufficient to secure—

lst,—A RETROSPECTIVE BONUS of Two per
Cent. per Annum, or FOURTEEN per Cent. for the
Septennial Period, not only on the Original Sum as-
sured, but likewise on the BONUS ADDITIONS
PREVIOUSLY DECLARED.
2d,—A CONTINGENT PROSPECTIVE BONUS of
Two per Cent. per Annum, to be paid from 31st De-
cember, 1838, on all Policies of Five years' standing
that may emerge before 31st December, 1815, when
next Investigation takes place.

The Directors are empowered:to grant LOANS to MEM-
BERS, on the Security of their Policies, to the'extent of
nine-tenths of their value at the time, mid also, on application
to that effect being made by parties, to convert their BONUS
ADDITIONS into an equivalent deduction from the future
ANNUAL PREMIUMS, or to give them in ready money the
value of the additions at the date of Application.

PRACTICAL ILLUSTRATIONS OF THE ABOVE.
A, in January, 1820, being then 40 years of age, insured his
life for £3OOO, paying an annual Premium of £9B ss.
He is now 61 years of age, and has an actual. vested Bonus or
Addition, declared and attached to his Policy of £1035 125.,
which, with the £3OOO, the original
.sum assured, shows
the full amount of the sum presently contained in the Po-
licy to be...
Were A to die after Payment of his Premiuth for the current
year, the sum payable under the Policy would be

£4277 14s. 9d.
Were he to die in ISM, after payment of his premium for
that year, the sum payable under ,the Policy would be

£4600 Ils. 9d.
Or if it would be an object to him to reduce his present an-
nual contribution, he might, by giving up his Bonus, reduce
. .

his future premiums frot nJs. £9B to
Or if he preferred receiving immediately the present value of
his Bonus, he would, by surrendering it, be entitled to a
sum of £6so Bs. 3d.

- Assurances effected PREVIOUS TO 31sT DECEMBER
are entitled to participate in the PROFITS OF THE
CURRENT YEAR.

JOHN INIA.CKENZIE, Manager
Edinburgh, September, 1841.

ARTHUR OUGHTERSON and Co.,
Exchange-street East;
AGENTS for LIVERPOOL and the Surrounding District.

MANCHESTER BOARD OF MANAGEMENT.
Edward Loyd, Esq., Chairman.
H. H. Birley, Esq. James Hibbert Wanklyn,
John Chippendall, Esq. Esq.
John Macvicar, Esq. Joshua P. Whitehead, Esq.
William Watson Beever, Consulting Surgeon.
Thos. Boothman, Jun., Secretary to Board of Management.
OFFICE—CROSS-STREET, KING-STREET.

THE CITY OF GLASGOW LIFE ASSURANCE

COMPANY

HEAP OFFICE, No. 40, ST. VINCENT-PLACE.
OFFICE IN EDINBURGH, No. 19, ST. ANDREW'S-SQUARE

DIRECTORS.
Alex. Johnston, Esq., M.P. John Leadbetter, Esq.
Alexander Fletcher Esq. Henry Brock, Esq.
James Lumsden, Esq. James Brown, Esq.
Alexander Wingate, Esq. William Whyte, Esq.
George Douglas, Esq. I Robert Cowan, Esq.
Henry Dunlop. Esq. William Johnston, Esq
William Dalglish, Esq., Manager.
Archd. Borthwick, Esq., Actuary.
Alex. Morrison, Esq., Law Agent.
It. Cowan, Esq., M.D., Physician.
Wm. Lumsden, Esq., M.D., Surgeon.

THIS Company is established 'upon the system, which has
been so well received by the Public, of granting Assu-
rances upon one or other of two Plans, at the option of par-
ties. These are--

Ist. The Participation Plan, by which, at a moderate
premium, the Assured are allowed to share in the Company's
profits, and to receive all the advantages of Mutual Assu-
.rance, without the smallest risk ; and

2nd. The Non-Participation Plan, by which Assurers are
guaranteed a certain fixed sum, without additions, at the
lowest rate of premium consistent with safety.
The first of these plans is well adapted for those who make
their Assurance principally or entirely as a Provision for
their Families, and are desirous, without risk, to have their
policies increased by valuable additions. The second plan,
it has been found, is generally adopted by parties who wish,
either in connexion with Loans, or forthe purpose of securing
Debts, to assure the largest amount at the smallest premium.
The Scale of Premiums calculated for the latter plan, and of
which examples are annexed, has been constructed as low
as safe and authentic data permit, and offers very peculiar
advantages in the rate to that class of Assurers by whom this
plan is preferred.
In the Distribution of Profits, Parties assuring with this
Office have the great and well-known advantage of early
connecting themselves with a Company established within
the last few years, which has not yet made a Division of
Profits, and which has already secured a very large and in-
creasing business. •
Specimen of the Company's Table of Premiums, with and

without Participation in the_ Profits