The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1853-12-27 00:00:00

Insurance Notitts.

—iyORKSHIRE FIRE AND LIFE
INSURANCE COMPANY.
ES TA BLISH ED 113 24.
Parties having Annual Policies falling due on the 25th of
December are respectfuly informed that they should renew
the same within fifteen days from that date.

AGENTS:
LATHAM HANMF.R, jun., 1, Dale-street.
F. L. MAWEIRSLEY, 3, Cook-street.
JOHN ATKINSON, 25, North John street.
LITHERLAND & GROOM, 42, Lord-street.

WEST OF ENGLAND LIFE AND FIRE
IvRANCE COMPA.
ESTASUBLISHEDNY 1 8 0 7 .
TRUSTEES.
Eight Hon. Earl Fortescue 1 Sir T. D. Acland, Bart., M.P.
14ht Ron. Earl Morley Edward Divett, Esq., M.P.
aight Hon. Lord Clifford Samuel T. Kekewich, Esq.
LIFE DEPARTMENT.
A moderate scale of premiums, combining thebenefits of the
'lnatua.,.,, I with the security of the proprietary system. Four-
'aunts, or eighty per cent, of the profits, appropriated to the
assured every fifth year, which may be added to the sum in.
Mired, as a bonus, and payable therewith, or applied in reduc-
tion of the future annual premium, or payment may be ob.
hilted in cash of their present value. Insurances effected,
' 'Without participation of profits, at reduced rates.
FIRE DEPARTMEN I'.
Property insured throushout the United Kingdom. Half of
the surplus premiums returned to the assured every fifth year,
On policies of '304:1 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, December, 1853.

AGENTS AT LIVERPOOL
WILLIAM GREGORY, Jun., 11, F.xchange-buildings.
D. and .1. B. NEILSON, 3, High-street.
I. A. HORACE JEE, Lancaster-buildings.
SAMUEL BULLEY, is, 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 LIVERPOOL AND LONDON FIRE
AND LIFE INSURANCE COMPANY.
CAPITAL, TWO MILLIONS.
ESTABLISHED IN 1836.
Empowered by Acts of Parliament.
Orricisis.
37, CASTLE-STREET, LIVERPOOL,
AND
20 21, POULTRY, LONDON.
TRUSTEES.
Sir Thomas Bernard Birch, Bart.
-Adam Hodgson, Esq. Samuel Henry Thompson, Eaq.
DIRECTORS IN LIVERPOOL.
Chairman—Thomas Brocklebank, Esq.
Deputy-Chairmen.
Joseph C. Ewart, Esq. and Francis Haywood, Eaq.
Thomas Booth, Esq. George Hall Lawrence, Esq.
Francis Cresar Braun, Esq. ;Harold Littledale, Esq.
-William Earle, Esq. ;William Lowe, Esq.
George Grant, Esq. ;Alexander Macgregor, Esq.
Thomas Haigh, Esq. ;John Marriott, Esq.
Francis A. Hamilton, Esq. Irliomas Sellar, Esq.
Robert Higgin, Esq. Charles Saunders Esq.„
George Holt, Esq. John Swsinson. Esq.
Ilugh Hornby, Esq. James Aspinall Tobin, Esq.
Secretary—Swinton Boult, Esq.
DIRECTORS IN LONDON.
Chairman—Matthew Forster, Eaq.
Deputy-Chairman—George Frederick Young, Esq.
Edward Barnard, Esq. Rosa D. Mangles, Esq., M.P.
'William Brown. Esq., M.P. Hon. F. Ponsonby.
Sir Wm. P. de Bathe, Bart. John Ranking, Esq.
'William Ewart, Eaq., M.P. Edward Thompson, Esq.
-Frederick Harrison, Esq. Swinton Boult, Eaq., Secretary
Donald Larnach, Eaq. to the Company.
Resident Secretary—Beniamin Henderson, Eaq.
-Judi/ors—Thomas Buddicom Blackburne, Esq., and Daniel
James, Esq.
CONSTITUTION.
Liability of the entire body of Shareholders unlimited.
FIRE DEPARTMENT.
PROPERTY TNSURED AGAINST Loss OR DAMAGE BY FIRE
IN THE UNITED KINGDOM, THE BRITISH COLONIES, AND
IN FOREIGN COUNTRIES.
The Premiums received
In 1837 were £11,987 in 1842, £23,804.
In 1847, £49,402 in 1852, £98,655.
LIFE .
LOANS GRANTED ON LIFEDEPARTMENT AND REVERSIONARY
INTERESTS.
INSURANCE EFFECTED IN ALL ITS BRANCHES,
Including the issuing of Policies the premiums on which may
A:ease after a stipuls'ed number of payments, varying from 4
Ito 20 years; and others providing for the sum insured being
paid at a given date, or sooner in the event of death.
ANNUITIES, OR DEFERRED.
POLICIES ISSUEDIMMEDIAT FREEEOF STAMP DUTY.
-Peculiar advantages are afforded the Assured, residence in
Ike Australian Colonies being allowed, without payment of
vstra Premium, and great facilities are afforded in the pay-
-anent of Renewal Premiums through the several Agencies
throughout the Colonies. Permission is also granted the
-Assured to reside in the United States of America at the ordi-
-max" Rate of Premium, and the license as to travel has been
zreatly extended.
Moderate Rates for the East Indies and Foreign Countries.
The Premiums received on Life Policies amounted
In 1837 to £1,753 it. 1842 to £3,163.
In 1847 to £21.197 in 1852 to £50,800.
THE BONUSES OF THE COMPANY ARE GUARANTEED
WHEN THE POLICIES ARE ISSUED.
Persons whose Fire Policies with this Company expire on
lAe 25th instant, are respectfully reminded that receipts for
the renewal of the same will be found at the Head Offices in
.7aerpool and London, and in the hands of the respective
ts; and those who, preferring the security offered by
this Company, may desire to remove their Insurance, are
*Voluted that no expense will be incurred by such removal.
Further particulars maybe had on application at the Offices,
27, CASTLE-STREET, L•verpool ; and 20 and 21, Poultry,
London-, or to any of the Agents in the Country.
SWINTON ROULT, Secretary to the Company.
BENJ. HENDERSON, Resident Secretary, London.
AGENT ROE BiItRENHEAD
-Rh. ROBERT HUGHES, Brantlon-street, Hamilton-square.
December, lan.

THE ROYAL INSURANCE COMPANY.

CAPITAL, £2,000,000, in 100,000 SHARES of 410 each.
H EAD OFFICE,
NORTH JOHN-STREET, AND DALE-STREET...
John Shaw Leigh, Es TRUSTEES.
q. 1R.8.8. H. Blundell, Eaq.
DIRECTORS, &C., IN LIVERPOOL.
Charles Turner, Esq., Chairman.
1. Bratnley- Moore, Esq., and Edmund Molyneux, Esq.,
M Deputy-Chairmen.
iChael Belcher, Esq. Richard Houhtont_Esq.
Michael Bousfield, Esq. Edward Johnsgton, Esq.
-Thomas Bouch, Esq. Roger Lyon Jones Esq.
Ralph Brocklebank, Esq. James Lawrence, Esq.
.David Cannon, Esq. William J. Marrow, Esq.
'Thomas Dover, Eaq. I Francis Maxwell, Esq.
R. Ellison Harvey, Esq. George Maxwell, Esq.
James Holme, Eaq. 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 BRAN.
SPECIAL NOTICE.—STA NIPS ONCH LIFE POLICIES NOT
C.
Attention is directed to the fa ARGEDct 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 he enabled to distinguish itself by its
_vromptness 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
Yo cease after a LIMITED NUMBER OF ANNUAL PAYMENTS.
Fora Sum to be payable at Age 60, or at Death.

PREMIUMS ON CREDIT.
A PORTION OF THE PRENIIUMS MAY REMAIN ON
'CREDIT, OR ASSURANCES MAY HE EFFECTED IN
VARIOUS WAYS, NOT ENUMERATED, TO MEET THE
CONVENIENCE OF THE PARTY MAKING THE ASSUR-
ANCE.

The important advantages afforded by the Company i n this
Branch will include the following. viz.:—
GUARANTEE OF AN AMPLE CAPITALLMODERATE PRE-
KIEMS, LARGE PARTICIPATION OF PROFITS BY THE
ASSURED, SMALL CHARGE FOR MANAGEMENT, &c.
The usual Commission allowed to Solicitors.
Fees to Medical Referees are likewise granted by this Coe:.
pany. PERCY M. DOVE, Manager.
Policies falling due at CHRISTMAS should be renewed on
iOr before the 9th of January next.
December, 1853.

CHURCH OF ENGLAND LIFE AND
FIRE ASSURANCE INSTITUTION.
HEAD OFFICE-5, LOTHBURY, LONDON.
Empowered by Special Act of Parliament, 4 4- 5 Vic., cap. 92.
SUBSCRIBED CAPI I'AL, ONE MILLION.
A List of the Proprietors periodically Enrolled in the High
Court of Chancery.
LIFE DEPARTMENT.
This Institution adopts both the Proprietary and Mutual
systems of Life Assurance, and the Policy-holders in both
branches are fully protected by the large Subscribed Capital
of the Company.
In the Proprietary Branch, Assurances are granted at the
/lowest Rates of Premium consistent with the security of the
-Establishment. Such assurances may be effected in a great
wanety of ways, to suit the circumstances and convenience
of the Assured. Arnow!: others. where the Policy is made
payable "On the Assured attaining Sixty years of age, or at
Death, if that event should happen previously," is particularly
deserving of attention.
In the Mutual Branch of this Institution, the Policy-holders
are entitled to the Entire Profits of the Branch, which are
divided at the expiration of every fifth year. These profits
rot)? be applied either in Reduction of the Yearly Premiums
until the ensuing period of division, or in Additions to the
sums Assured.
Prospective Allowances are, at each division,set apart from
those Policy-holders who are not immediately entitled to par-
ticipate in the profits, but who will have paid five yearly
premiums before the next ensuing division ; thus affording to
the Assured all the advantages of an Annual Division of Profits.

-Specimens of the Additions already made to sums Assured,
at Participating Rates of Premium.
Date of Policy. Age. Sumoriginally Additio— SUIT: now
—„,... , Assured. ' "'l Assured.
4..
.I,IIY. 1840 45 £5OOO .e 1144 .16144
April, 1841
.4.1141,1. h.ll, 184
c-, 12843 4O 2000 364 2364
51
OCtOber 181-' 4000 445* 4445
iteernb'
-____,___ll2, 1848 ... 56 2000 264 2264

Exclusive of allowances on Premiums amounting to
.e 146 2s. 6d.

FIRE DEPARTMENT.
Premiums for Assurance against Fire are charged at the
Vsnal moderate rates, with a reduction of 10 per cent. on
pe Residences and of Clergymen, and the
nig itnd Contents of CFurniture hurches and Church Schools. Build-
".roiDectuses, the necessary Forms, and every requisite
'Lori:nation for effecting Assurances, may be obtained on
l)Dlication at the Head Office, as above, or to any of the
aundermentioned Agents of the Company.
24* ALL WM. KMMENS, Secretary.
APPLICATIONS FOR AGENCIES IN THOSE PLACES
ZHERK THE COMPANY HAVE NOT YET APPOINTED AGENTS
Et ADDRESSED TO THE SECRETARY.
LI VERPOO L :
it._ VI. THOMPSON, ANDERSON & CO., 3, Cook-street.
STEWART and OX 10, Chapel -street.
-nessrs. BARUCHSO
N,MAKIN and CO.
F• BIRKENHEAD
HALPEN, 10, Parktield-terrace, Exmouth-street.