The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1847-06-15 00:00:00

honour

From the nature of the calculations as to the probabi-
lity of sickness, in the early periods of the histories of

these societies, being very obscure and imperfectly known,
it was obvious that much ambiguity would arise at first in
apportioning the premiums to be attached to the different
kinds of risks or benefits; and in cases of sudden and
severe endemic diseases widely prevailing, it was not im-
probable that the valuation of their contributions would
be found totally unequal to meet the pressure of the
numerous claims emerging against them. These and
other difficulties connected with their internal economy
and arrangements (such as, indeed, were natural enough
to arise in the organisation of a new scheme fraught with
so many complex relations) have offered qprim,. ;,„„,,a;

zul im
ments to the more wide diffusion and secure IUILS
positiop eal-
n or
friendly societies. The chief obstacle, undoubtedly, has
been the very equivocal and uncertain nature of the pro-
babilities of sickness to individuals at different periods of
life, for in some estimates they were found to exceed by
upwards of 100 per cent. the rates on which the tables
for risks and premiums had been drawn up. Facts of
this description were brought out and substantiated by-
various documents, and in particular by statistical tables
in different parliamentary reports. The failure of differ-
ent societies afforded melancholy proof of a correlative
nature, that there were some serious sources of errors in
the calculations ; and a vigorous and searching, inquiry
resulting, has laid the basis of a series of tables of risks
and premiums,
,possessing (as they are the result of data.
supplied by several thousand friendly societies) a degree
of security and certainty which, we might safely assert,
leaves nothing further to desire.

These tables, arranged and constructed by the able
actuary Mr. Neison, and certified by the revising barris-
ter, Mr. Tidd Pratt, afford the basis of the risks and pre-
miums calculated for the General Provident Assurance
Society of Liverpool. We have read them carefully over,
as well as the rules and constitution of the association,
and can confidently recommend it to the notice of every
person desiring to join such an institution. It has re-
ceived the sanction and support of some of the first men
of the place, and enjoys the patronage of some of the
most influential gentlemen in the county. It is well
adapted to the wants of the people ; and as there are no
compulsory attendances required, every member is per-
fectly free and unrestrained, as well as at liberty to select
any benefit he chooses. The sums paid as contributions,
we observe, are fixed and definite ; so that each subscri-
ber knows exactly the sum he will have to pay, and there
are no irregular contributions or fines whatever, except
in cases of arrears, for which, we may remark, the associ-
ation requires a comparatively light per centage. In
conclusion, it is proper to subjoin that the benefits of this
society extend to females on the same terms as to males.

a Vt ;g, eW.I
SUPPOSED SUICIDE AND MURDER.—TIt
woman named Mary Ann Robinson, aged 2.7,1 eft. pi 64 ;j
on on Monday in the Leeds and Liverpool cadal,efiti - d' 414
bridge. A. few days previously she 114Wie 4.0.i,;54
elAtral•
that her troubles were more than she dcopd,.b _ Alit ttat.
they would soon be at end. She livetk-wifinkri:o6l4,,
in' Fairhurst-street. Next day deceasectit;filfaawwiLy„,a,'-'. ...‘,. ....
in the canal near Burlington-bridge. :
..4` ::.; -,:.i,:•?,V.F. ;,!....

mart.

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