The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1841-09-28 00:00:00

EVENING QUADRILLE PARTIES

'/IR. JAMES R. PALMER begs to announce that he
.LY-L purposes commencing his EVENING PARTIES, for
the practice of QUADRILLES, WALTZING, GAL-
LOPES, &c., on the 18th of next Month. He is now giving
Private Instructions to those who think it desirable previous
to joining.—Terms, &c. may be known at the. Rooms, in
Wilton-street, or at his Residence.
52, Chatham-street, Sept. 22, 1841.

ALL TEACHERS OF MUSIC entrusted with the
Musical Education of the Youth of Great Britain, as
also Amateurs, should consult Messrs. COCKS and CO.'s
Catalogues of Elementary Works, as Primers, Catechisms,
Dictionaries, Instruction-books, Tutors, First Lessons, Pro-
gressive Exercises, Easy and Difficult Studies (for all
instruments), Works on the Theory of Music, Treatises,
Waltzes, Quadrilles, Septet and Orchestral Music, &c.
So rich are these unique Catalogues, that they proudly resist
all competition ; and no Amateur's Library can be said to
be complete in its musical department without them. To be
bad gratis, postage free, at 20, Princes-street, Hanover-
square, London. '
N.B. It is absolutely necessary to state the Catalogue
required.

insttratur go tirts.

THE MANCHESTER ASSURANCE COMPANY,
For Assurance against Fire, and on Lives and Survivorships

Purchase of Annuities; Reversions, Bcc. Brc.
OFFICE, No. 98, KING-STREET, MANCHESTER.
Capital, Two MlLLlONS.—Established March, 1824

FIRE DEPARTMENT

THE Assured are eritiaid to one third of the profits, with-
out anyliability on their part to the losses.
Parties intending to continue their Policies, falling due at
MICHAELMAS, must renew them within fifteen days from that
time, or they will become void.
LIFE DEPARTMENT. _

The Assured are entitled to two-thirds of the profits, with-
out any liability on their part to the losses.
The Premiums charged are lower than those of the ma-
jority of other Offices.
The business of the Life department is kept quite distinct
from that of Fire, and its accumulations are not liable to
make good any losses arising therefrom.
The Rates of Premiums, and all other particulars, may be
obtained on application to Mr. JOSEPH MO/LTON, Secretary,
or to any of the Company's Agents.
RICHARD DAWSON, Agent for Liverpool._

N.B.—Agents have already been appointed in most of the
principal towns in the kingdom ; but applications for Agencies,
in places where appointments have not yet been made, are
requested to be addressed to the Secretary.
•
BONUS.

At the Annual General Court of Proprietors, held on the
20th June, 1839, bonuses were declared to the assured in the
Fire Department of £lO per cent. on the premiums received
during the five years previous to the 25th March, 1839, to be
paid on all insurances of two, or more, years' standing; and
to the assured in the Life Department, on all policies for the
whole duration of Life, forfour, or more years' standing, on
,the 25th March, 1839, of very nearly 26 per cent. on the
amount of the premiums received thereon, improved at com-
pound interest, to be added to the sum assured by such
policies when they become claims, or an equivalent reduction
to be made in the annual premiums upon them, at the option
of the parties entitled thereto.

SCOTTISH UNION
FIRE AND LIFE INSURANCE COMPANY

INCORPORATED BY ROYAL CHARTER

CAPITAL, FIVE MILLIONS STERLING.
Offices in Edinburgh, No. 47, George-street ;
London, No. 449, West Strand ; and 78,
King William-street, City.
„ Dublin, No. 52, Dame-street.o
NQUESTIONABLE SECURITY, combined with low
Rates of Premium, are distinguishing features of this
Corporation.
IN THE FIRE DEPARTMENT,

Losses by Fire are immediately paid ; and property of every
description is insured on the most advantageous terms.
IN THE LIFE DEPARTMENT, . _

Assurances may be effected at Reduced Rates, without
Profits, or at a higher Premium, with Participation in Profits,
of which Two-thirds are returned at regular periods, without
being subject to any deduction for charges of management.
Prospectuses, containing the Tables of Rates and condi-
tions of Assurances, may be had of the above-mentioned
offices, or at any of the Company's Establishments through-
out Great Britain and Ireland.

AGENTS FOR LIVERPOOL :
BRODIE and HAMILTON,
F Pernberton-buildings,
enwick-street.
•
THOS. FORSI TH, Exchange-court,
Exchange-street East

UNITED KINGDOM LIFE ASSURANCE COMPANY,
8, WATERLOO-PLACE, PALL-MALL, LONDON.
Division of Profits among the Assured.
HONORARY PRESIDENTS.
Earl of Errol I Earl of Stair
Earl of Courtown Lord Viscount Falkland
Earl Leven and Melville Lord Elphinstone
Earl Somers Lord Belhaven and Stenton.
Earl of Norbury

DIRECTORS.
James Stuart, Esq., Chairman.
William Plasket, Esq., Deputy-Chairman.
Samuel Anderson, Esq. I Charles Downes, Esq
Hamilton Blair Avarne, Esq. H. De Castro, Esq.

Morton Balmanno, Esq. I Charles Graham, Esq.
Edwd. Boyd, Esq., Resident. F. Charles Maitland, Esq.
F. L. Boyd, Esq., Asst. Do. I John Ritchie, Esq.
THIS Company, established by Act of Parliament, affords
the most perfect security, from an ample capital, and
only requires, when an insurance is for the whole period of
life, one-half of the very moderate premiums to be paid for
the first five years after the date of the policy ; the other half
may remain, subject to the payment of interest at 5 per cent.
annually, to be deducted at death, or may be previously paid
off at convenience.
It obviously becomes easy for a person of very moderate
income to secure, by this arrangement, a provision for his
family ; and should he at any time, after effecting the insur-
ance, succeed to or acquire a fortune, he may relinquish his
policy, having only paid one-half the premiums for the first
five years, instead of the whole, as in all other Companies.
Thus a man of 25 years old may, by an annual payment of
£2B 16s. 3d., for the first five years, and afterwards the full
premium, £57 12s. 6d. yearly, secure to his widow and
children, at his death, payment of no less than £3OOO, sub•
ject only to the deduction of £144 Is. 3d., being the amount
of premium unpaid.
On the Ist of July the Board of Directors added 2 per
cent. per annum as a bonus to those assured on the partici-
pating plan, from the dates of their policies, thus appro-
priating £2O a year as an addition to every policy for £lOOO.
The folloicing table will show the amount of the bonus on
policies for £lOOO since the commencement of the Company
in March, 1834 :
Sums Assured. Time Assured.
£lOOO 6 Years 10 Months
1000 6 Years
1000 5 Years
1000 4 Years
1000 3 Years
1000 2 Years
1000 1 Year

Sum added to Policy
£136 13s. 4d.
120 0 0
100 0 0
80 0 0
60 0 0
40 0 0
20 0 0

This Company holds out in various other respects great
inducements to the public. When such facilities are afforded
it is clearly a moral duty in every parent who is not pos-
sessessed of a fortune, but an income, however moderate, to
insure his' life for a sum which may yield a comfortable pro-
vision for his family.

RATES OF PREMIUM.
Age. Without Profits. With Profits.
25 LI 18s. sd. £2 2s. Ild. per cent
30 2 3 10 2 8 2 , f
40 219 1 3 3 4 11
50 4 9 8 4 14 5
GO 6 15 3 G 17 9 1,

Insurances may be effected on lives, however far advanced,
and the half credit for live years is found particularly con-
venient on such Insurances. Annuities are granted on very
liberal terms.
FOR THE CONVENIENCE OF PARTIES RESIDING IN THE
CITY, they may make their appearance and pass the medical
examination before the Agent, EDWARD FREDERICK LEEKS,
Esq., 4, Scott's-yard, Bush-lane, Cannon-street, and J. F.
Gounu, Esq., Surgeon, 9, Old Jewry.
Every information will be afforded on application to the
Resident Director, EDWARD BOYD, Esq., of No. 8, Water-
loo-place. Proposals may be accepted on 'Wednesday, at
three o'clock, and any day at halt-past two o'clock, when
FREDERICK HALE THOMSON, Esq., the Company's Surgeon,
it in attendance to give despatch to business.
PATRICK MACINTYRE,
Secretary.
AGENTS FOR LIVERPOOL.
Messrs. BLANDIN, BROWN, and Co.,
32, Castle-street ; and
'. A. SMITH, Slater's-court, 5, Castle-street.
S. HOLLINS, Esq., Manchester.
J. A. JESSE, Esq.',Solicitor,
45, Princess-street, Manchester.

The CAUS

SS which have led to the extraordinary pros-

perity of this Office, and which have enabled it declare so
large Additions, may be easily traced :
It was founded and has all along been conducted on the
sure basis of calculation.
The safety of the DATA from which its Tables of Rates
are deduced, had been amply proved by the long and
successful experience of the EQUITABLE.
The selection of Lives has been rigidly attended to.
Its Funds have been successfully invested.
It has been uniformly prompt and liberal in its settle-
ments.
It is wholly free from the burden and conflicting inter-
ests of a PROPRIETARY.

WHILE, from the operation of these causes, this Office
has been enabled to economise to the utmost in behalf of the
Assured, the COST at which the valuable benefits of LIFE
ASSURANCE are obtained, its advantages are by no
means limited to this :
ITS LARGE and rapidly increasing CAPITAL and
REVENUE have long since opened up, and still se-
cures to it, in a progressively increasing ratio, all those
sources of profitable business which the most favoured
Proprietary Bodies, or Trading Insurance Companies,
can command.
The onrortant difference is to be found, and to be found
only, iu the APPLICATION of the Profits :
In Proprietary. Companies their operation is exhibited
in increasing the value of the Pioprietor's Stock and
raising their Dividends.
In THIS INSTITUTION as the PROFITS BELONG
WHOLLY TO THE ASSURED, their operation is
seen in those LARGE ADDITIONS which, as in the
case of the LONDON EQUITABLE, will undoubtedly
render a Policy opened in this Office, and steadily
kept up during the whole period of a prolonged life, a
very valuable inheritance indeed.

The Assured, if not seafaring by occupation, are allowed to
pass during peace by sea from one part of Europe to any
other part of Europe, without license or extra premium.
JOHN MACKENZIE, Manager.
Edinburgh, September, 1841.
ARTHUR OUGHTERSON and Co.,
EXCHANGE.STREET EAST,
Agents for Liverpool awl the surrounding dist►ict.