The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1853-07-05 00:00:00

Insuranre Notices.

C ORPORATION OF THE LONDON ASSURANCE
Eatahlished A.D. 1720.
No. 7. ROYAL EXCHANGE, CORNHILL, and
No. 10, REGENT-STREET, LONDON.

GOVERNOR, Edward Burmester, Esq.
SUB-GOVERNOR, John A. Arbuthnot, Esq.
DEPUTY-GOVERNOR, James Dowie, Esq.
FIRE INSURANCES effected upon every description of Pro-
perty, with the usual reductions allowed on and in Buildings of
Certified Warehouses, and for single management, accord-
ing to the lowest rates cuvent...____

FIRE NOTICI

PERSONS ASSURED AGAINST FIRE by this Corporation,
whose Policies expire at MIDSUMMER, are respectfully re-
minded, that, for their own security 9 they should renew them
within FIFTEEN DAYS from the said QUARTER DAY.
LIFE ASSURANCES.—This branch of the Corporation's
,less is carried on without any charge for management, and
-,Tuliar advantages to the Assured.
+uses, Mercantile Fire Rates, and all other informa-
tion may be had at their Offices, or sent free, on application to
JOHN SCOTT. 1, India-buildings, Water-street,
C. F. CARNE, 13, Rumford-place,
Agents for Liverpool and adjacent parts ; or to
EDWD. ROBERTS, Sandford-street, Birkenhead.

rers
Prospectus

WEST OF ENGLAND FIRE AND LIFE
INSURANCE COMPANY.

ESTABLISHED 1807
TRUSTEES.

Right Hon. Earl Fortescue D. Acland, Bart., M.P.
Right Hon. Earl Morley Edward Divett, Esq., M.P.
Right Hon. Lord Clifford Samuel T. Kekewich, Esq.
LIFE DEPARTMENT.
A moderate scale of premiums, combining the benefits of the
mutual with the security of the proprietary system. Four-
fifths, or eighty per cent. of the profits, appropriated to the
assured every fifth year, which may be added to the sum in-
sured, as a bonus, and payable therewith, or applied in reduc-
tion of the future annual premium , or payment may be obtained
in cash of their present value. Insurances effected, without
participation of profits, at reduced rates.
FIRE DEPARTMENT.
Property insured throughout the United Kingdom. Half of
the surplus premiums returned to the assured every fifth year,
on policies of .3(io 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, September, 1853.

AGENTS AT LIVERPOOL :
WILLIAM GREGORY, jun., 11, Exchange-buildings.
D. and J. B. NEILSON, 3, High-street.
J. A. HORACE JEE, Lancaster-buildings.
SAMUEL BULLEY, Is, Exchange buildings.
THOMAS HAIGH, 7, Castle-street.
ARTHUR JACKSON, Exchange-court, Exchange-street East

Fire-engine Station, No. 7, lower end of Mount-Pleasant.
The Company's Engine and 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.

MUTUAL LIFE ASSURANCE.
THE SCOTTISH PROVIDENT INSTITUTION
is the only Office which combines the advantage of par-
ticipation in the Whole Profits, with moderate Premiums. It
is a Mutual Assurance Society, in which the Whole Profits
belong to the Policy-holders; and it is free from the objection
of excessive Premiums, which is urged by the Proprietary
Companies against other Mutual Societies.
The Premiums are low as those of the non-participating
scale of the Proprietary Companies. They admit of being so,
not only with safety, but with ample reversion of Profits to the
Policy-holders—being free from the burden of payment of
Dividends to Shareholders.

The principle on which the profits are divided is at once safe,
equitable, and favourable to good lives—the Surplus being re-
served for those members who alone can have made surplus
payments; in other words, for those whose Premiums, with
accumulated Interest, amount to the sums in their policies.
This principle, while it on the one hand avoids the anomaly
o! giving additions to those policies which become claims in
their earlier years, secures, on the other hand, that there is no
member who has not been, in a pecuniary sense, a gainer by
the transaction, who does not receive a share of the Profits.

The practical working of the system has been, that at the
first Division of Surplus-15i years after the commencement—
Bonus Additions have been made to the Policies which have
come within the participating Class, varying from 20 to 54 per
cent. on the sumsassured.
ANNUAL PREMIUM TO INSURE .€lOO AT DEATH.
Age-25 I 30 I 35 I 40 I 45 I 50

Jel ISO I .e 2 I 6 I .e 2 6 le I .e 2 14 9 I .e 3 5 9 1 .e4 1 7

It will be seen on comparison that the same Premium which,
at age 30, for example, is charged in the other Scottish Mutual
Offices for Assurance of 41,000, will secure, in this Society, a
Policy of .41,230. And it is to be borne in mind that the higher
immediate Assurance in this Office does not involve the sacri-
fice of the member's interest in the profits, or anyportion of it.
This advantageous comparison holds good, to nearly the
same extent, with the participating scale of the Proprietary
Companies.

Forms of Proposals, Copies of the Annual Report, and every
Information may be had on application.
Edinburgh, July, 1853. JAMES WATSON, Manager.

AGENT FOR LIVERPOOL.
JOHN REID, 13, OLDHALL STREET,

MEDICAL OFFICER

-DR. GEE, 10, OXFORD-STREET

Air ANCHESTER AND LONDON LIFE
1 ASSURANCE AND LOAN ASSOCIATION.
77, KIN G.STREE7, MANCHESTER.
454, WEST STRAND, LONDON.

The business of this Association is that of-
-I.—Life and Survivorship Risks of every Description—Civil,
Naval, or Military.
2.—Loans on Equitable Terms Life Assurance being contem-
poraneously effected, on approved Personal or any other
sufficient Security.
3.—Assurance upon Half-Credit Scale of Rates.
4.—Endowments for Children, on Non-returnable or Return-
able Premiums.
O.—Policies Payable to Bearer.
G.—Whole World Policies, being Perfect Securities, Payable
to Bearer, or otherwise, at Moderate Additional Rates.
7.—Policies without Extra Rates, to Persons in the Militia, or
others, not forfeited if killed in defending the Country from
Invasion.

B.—Notices of the Assignment of Policies Registered.
9.—Medical Referees paid by this Association.
10.—Age of the Life Assured admitted on all Policies, reason-
able proof being given.
11.—Stamp Duty on Policies paid by the Association.
Four-fifths, or Eighty per Cent., divided every Five Years,
amongst all Policy-Holders entitled to Profits.
SECRETARY, MANCHESTER—CHARLES HENRYMINCHIN.
ACTUARY AND SECRETARY, LONDON.—WILLIAM JAMES

SOVEREIGN LIFE ASSURANCE COMPANY,
49, ST. JAMES'S-STREET, LONDON.
ESTABLISHED IN 1845.
TRUSTEES:
The Right Hon. the Earl Talbot, K.G., &c.
The Right Hon. the Lord De Manley, &c.
Sir Claude Scott, Bart.
B. Bond Cahbell, Esq., M.P., F.R.S., &c.
Henry Pownall, Esq.
FIRST DIVISION OF PROFITS.
The Directors have to announce that, under the advice of
eminent Actuaries, they have, after making allowance for every
liability to-the 31st of December, 1852, declared a bonus from
the profits realised during the first seven years of the Com-
pany's operations; which, in numerous instances, as shown by
the following examples, is equal to 75 per cent, on the amount
of premiums paid:—