The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1841-10-15 00:00:00

SCOTTISH PROVIDENT INSTITUTION,

fIONSTITUTEE on the Principle of MUTUAL ASSU-
RANCE, with the LOWEST RATES consistent with
SECURITY, and providing for an EQUITABLE DIVI-
SION of the WHOLE PROFITS among the ASSURED.
OFFICES { EDINBURGH, 11, St. Andrew's-square.
GLASGOW, 141, Buchanan-street.
The LEADING PRINCIPLES of this Office are,

Ist. To charge the LOWEST PREMIUMS, consistent
with perfect security ; and,
2d. To divide the WHOLE SURPLUS among those
Members from whose longer payments they have arisen, no
share being given to Policies of only a few years' standing,
on which there must be a toss, and not a profit.
The PRACTICAL EFFECT of these two principles is,
that by the first, the greatest present benefit is secured to
all; while by the second, those who survive the average
duration of life will derive the greatest future contingent
benefit. This is a combination of advantages presented by
no other office ; and accordingly the success which has
attended this Institution very much exceeds that of any
other mutual assurance company at the same period of its
existence.

NO ENTRY MONEY CHARGED.
Annual Premium to assure £lOO at death
30 I

Age 20 40
41 15 B£llB 0 I .t." 2 16 I .t.'2 610£214 y I g I T-4 1 7

The Premiums may be made to cease entirely, after a li-
mited number of payments. Those payable for 21 years only
will be found nearly the same as most Offices require for the
whole of life, however long.
Comparative Tables of the Premiums of all the Scottish
Offices, Prospectuses explanatory of the Principles, Forms
of Proposals, and every information, may be had at the office
of the Agent for Liverpool,
CHARLES MURRAY,
No. 2, High-street, Exchange.
Medical Officer—Dr. MOFFAT, Abercromby-terrace.

AGENTS.
Leeds—William L. Moffatt, Architect.
Manchester—George Wadsworth, Accountant.
Birmingham—J. and H. Charlton, Iron Factors

ASYLUM LIFE OFFICE

17, CORNHILL, LONDON, ,S,- 14, CASTLE-STREET,

LIVERPOOL.
ESTABLISHED IN 1824.
DIRECTORS.
The Hon. William Fraser, Chairman

Maj. Gen. Sir J. L. Lushington, G.C.8., Deputy Chairman.
Medical Officer for Liverpool, Alex. Hannay, M.D.,
Great George-square.
" 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
features and facilities of this Institution :

D ENEWABLE TERM POLICIES.—The new system
IL 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 following are extracted from the Tables, as specimens
of the Rates for an Assurance of £lOO.

ASCENDING SCALE

Bth to
the lath
Year.

15th an d
every

Year after.

1 15 1
2 7 0

3 14 0
4 2 2

A T a PUBLIC MEETING of the TRADESMEN'S
ASSISTANTS, held at the CLARENDON Rooms, on
TUESDAY EVENING, the 12th October, 1841,
It was unanimously resolved,

That the following Address be signed by the Chairman, on
behalf of this Meeting, and that it be advertised in the LI-
VERPOOL STANDARD and Mercury.

TO THE TRADESMEN OF LIVERPOOL

Sins,—We, your servants, approach you with unfeigned
respect, and with a sincere desire in this, as in all cases, to
aid in the promotion of your interests.
We lay before you our views and feelings with respect to
the long agitated question of the HOURS of BUSINESS, in
the hope that you will receive them in a spirit of candour
and benevolence.
We have long felt that, in this age of improvement—when
all other classes are advancing in intelligence—we alone are
precluded the rich advantages which are enjoyed by our fel-
low-men. That this state of things is owing to the system
of long hours of business; a system established by our fore-
fathers, and respected for its antiquity, but which is quite
inconsistent with the present more cultivated state of society.
That even at that period of the year when our labour is the
lightest, we are released from business at an hour too late to
enable us to participate in the instruction which our public
institutions afford. That unless we can be released from
business at seven o'clock these advantages cannot be made
available to us. That (wanting opportunities either for in-
struction or for harmless recreations) we are thus exposed to
temptations alike destructive to our health and morals.
That those who fall into the snares of such temptations bring
descredit upon our class, the majority of whom we confi-
dently believe are orderly and well-disposed men. That the
number of hours which are daily passed in unemployed
attendance proves that our duties might be performed in a
much shorter period, provided the Public would resolve to
visit the Shops only within more limited hours. That with
such a determination on the part of the public no loss of
trade could befall our employers. That many of our em-
ployers have expressed a desire to afford the relief we seek,
but have thought it impossible to gain the concurring aid of
the Public in carrying out their object. That we have there-
fore appealed to the benevolent sympathy of the British
people, and our appeal has been responded to in a manner
which encourages us to hope that the boon may be granted,
not only without loss, but with increased benefit to your pe-
cuniary interests. That this assumption is founded, first,
upon the indisputable fact that men who could labour actively
during a period of TEN HOURS, are physically unable to
command the necessary activity fora longer term ; secondly,
upon a belief that a great moral effect would be produced in
the minds of the Assistants by your conceding the boon we
ask, and that a sense of gratitude would more than anything
stimulate their exertions in behalf of their employers ; and,
thirdly, that with an improved state of health and spirits.
and with more cultivated minds, the Assistants would ere
long become more estimable, and therefore more useful and
snore valuable servants.
In all humility we submit these considerations to you, our
employers.
As humane and enlightened men we believe that you will
rejoice in alleviating our condition. We. doubt not you will
perceive that our object is not founded ha mere selfishness—
that while we hope, under more genial regulations, to be-
come wiser and better men, we expect that the advantages
of our improvement will be shared by all with whom we are
connected.
We entreat your early consideration of the subject, and
your reply, and, with great respect, subscribe ourselves,
Sirs, your most obedient Servants.
On behalf of the Meeting,
E. FLOWER, Chairman.
Clarendon Rooms, 12th October, 1841.

LIVERPOOL AND HOLYHEAD TELEGRAPHS.
TO SHIPOWNERS, CAPTAINS, &c. •
rfIHE DOCK COMMITTEE do HEREBY GIVE NO-
'rum that, from and after the first day of January,
1842, Watson's Code of Signals will be entirely Discontinued
along the Line of Telegraphs between this Port and Holyhead.
By order, • DANIEL MASON, Secretary.
Dock Office, Liverpool,l4th October, 1841.