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

CONFERRING ENDOWMENTS

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

8, WELLINGTON-ST., SOUTHWARK,_ LONDON;
51, DAME-STREET, DUWN; &
THOMAS URCIU4I{ART,

AGENT FOR THE COMPANY,
76, LATE 59, LORD-STREET, LIVERPOOL.
ESTABLISHED 1805.

THE FOLLOWING AREA FEW OF THE ADVANTAGES TO DIE
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
arsons who are desirous of purchasing Annuities, and which
ay 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 URQUHART,
76, LORD-STREET, AGENT FOR TILE COMPANY.
Also, A. BAIRD, Merchant, Bath-street, Liverpool.
MEDICAL REFEREE FOR LIVERPOOL, DR. ANDERSON.
H. D. DICKIE, Manager,
JOHN MOINET, Secretary, }Edinburgh.

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.
"dward Barnard, Esq. C. E. Mangles, Esq.
henry Buckle, Esq. J. B. Montefiore, Esq.
lohn Henry Capper, Esq. J. H. Ravenshaw, Esq.
3ideon Colquhoun, jun. Esq. Sir James Stirling.
John Edwards Lyall, Esq. William Walker, Esq.
TRUSTEES.
Edward Barnard, Esq. ; John Henry Capper, Esq. ;
Thomas Richardson, Esq.
AUDI-TORS.
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 Premiurns.for Assurance of £lOO
for Seven Years, and the 'Whole Life.

Age. Seven Years

Age•lSeven Years.' Life

X s. d.
20 017 1
25 019 7
34) 1 3 4

£ s. d.
1 10 3
1 14 11
2 0 7

x s. d. X s. d.
1 9 6 2 15 3
272 4 1 8
316 5 6 3 9

ADVANTAGES TO ANNUITANTS.
A higher rate of annuity than can be granted with safety
by companies making their principal mvestments in England,
and participation to the 1,000 annuitants of the oldest data
for the time being, to the extent of one-half of the general
profits of the Company.
By order of the Directors.
KIRKBY and WATSON, Agents, 20, Water-street,
Liverpool.
STANWAY and JACKSON,
...A
Manghestnr.gsnts, Brown-street,