The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1846-06-23 00:00:00

LIFE DEPARTMENT,

The attention of the Public has, in the Advertisements and
Proposals of this Company of late years, been called to a Table
of Additions applicable to and expectant on Policies of particu-
lar dates and ages, the Directors now beg to refer to a State-
ment (which may be obtained on application at the Office, in
Cheapside, or to any of the Agents in the country,) of Sums
actually paid, showing the Sums respectively assured, and the
Bonuses thereon.
Persons assured for the whole term of Life in Great Britain
or Ireland respectively, will have an addition made to their
Policies every seventh year, or an equivalent reduction will be
made in the future payments of Premium, at the option of the
Assured.

The Fourth Septennial Valuation was made up to Christmas,
1844.

Assurances for Shorter Periods may now be effected in this
Office at considerably reduced Rates of Premium.

The Company's Rates and Proposals may be had at the
Office in London, or of any of the Agents in the Country, who
are authorised to report on the appearance of Lives proposed
for Assurance.

HENRY DESBOROUGH, Secretary
92, Cheaptide, London, June, 1846.

The Agents for the Company at the undermentioned places
are :
Liverpool Messrs. HORNBY and MAFtSDEN,
Marine Insurance Brokers, 10, North John-street.
Ditto Messrs. W. H. WDOWELL and VANCE,
Hargreaves Buildings, Exchange-street, East.
Ditto Mr. J. T. LEYLAND,
Exchange-court, Exchange-street East.
Appleby, R. Winter, jun. Macclesfield, R. Turner.
Ashton-under-Lyne W. Lee. Manchester. R. andC. Harvey
Blackburn, It. Wilding. and H. B. Green.
Bolton, C. Briggs. Oldham, J. Duncroft.
Burnley and Todmorden, T. E. Preston, W. Lancaster.
HammertOn. Rochdale, J. Hartley.
Bury, Richard Lomax. • St. Helen's, J. Ansdell.
Chorley, J. Waliwork. Stockport, W. Downall.
Clitheroe, M. L. Oddie. Ulverstone, W. Postlethwaite.
Lancaster, T. Alibright. Warrington, J. Hall.
Leigh, T. hitehead. Wigan, J. Fairhurst.

ROYAL INSURANCE COMPANY,

LIVERPOOL.
1, OLDHALL-STREET

CAPITAL, .ed,ooii;oixi, iu 100,000 SHARES of '"2O Each.

John Shaw Leigh, Esq

I R. 8.8. H. Blundell, Esq
DIRECTORS.
Josias Booker, Esq., Chairman.
;h J. Sanderson, Esq. and Charles Turner, Esq.,
Deputy-Chairmen.
James Lawrence, Esq.
Thomas Lee, Esq.
Francis Maxwell, Esq.
Robert M'Andrew, Esq.
Edmund Molyneux, Esq.
J. Bramley Moore, Esq.
Henry Moore, Esq.
James Pownall, Esq.
Archibald Sinclair, Esq.
Geo. J. Wainwright, Esq.

William Blain, Esq
Thomas Bouch, Esq
John Campbell, Esq
David Cannon, Esq.
Thomas Dover, Esq.
Robert Dudgeon, Esq
Richard Harbord, Esq
R. S. Henderson, Esq.
R. Brodhurst Hill, Esq
T. B. Horsfall, Esq.
Henry Killick, Esq.
AUDITOR.—Robert
PHYSICIAN.-
SURGEON

Pedder Carter, Esq
,ard Formby, M.D.
—Hugh Neill, Esq.
—Samuel Holme, Esq.
Septimus Booker, Esq.

SOLICITOF

BIRKENHEAD BRANCH,
Hamiltonßuildings, Hamilton-street.
SURGEON FOR BIRKENHEAD,
James Theodorick Vale, Esq., Chester-street,

THE Directors beg to announce that they continue
to RECEIVE PROPOSALS for FIRE and LIFE INSU-
RANCES.

The large Capital of the Company, and the number and in-
fluence of its Proprietors, enable it to take rank with the most
eligible offices in the kingdom, with respect to the advantages
offered to the Public.

FIRE INSURANCES
Will be effected at moderate rates opremium. The Company,
having the advantage of a resident Directory, will he enabled
to distinguish itself by its promptness 0; the Settlement of
Claims.

No Charge made for the Policy,

LIVE BRANCH

Extract from Pates of Prentlipas for the Whole of Life.
s. d. s. d.
With Profits. Without Profits
1 15 2 1 10 11
1 19 4 1 14 11
2 4 2 1 19 7
2 9 9 2 4 10
2 16 2 2 11 0
3 4 1 2 18 6
3 14 6 3 8 5
4 8 3 4 1 7

Age
15
20
25
30

The Company likewise assure Lives on any of the following
contingencies, viz.:—

For the 'Perin of ONE YEAR, SEVEN YEARS, or any other de-
finite period.
For the WHOLE CONTINUANCE OF LIFE.—The Premium to
cease aftera LIMITED NUMBER OF ANNUAL PAYMENTS.

011 Two Jotter laves.—The cum Assured to be paid on the
death of either.

On the LONGEST OF Two OR THREE LIVES, the Sum As-
sured to be payable at the death of the last Survivor, or
On SURVIVORSH IPS to secure the payment of the Sum As-
sured, if a Life A die before another Life B.

The important advantages offered by the Company in the Life
Branch will include the following, viz

THE GUARANTEE OF AN AMPLE-CAPITAL AND EXEMPTION
OF THE ASSURED FROM LIABILITY OF PARTNERSHIP,—The
Assured neither having to depend on an uncertain fund, nor
being in any way accountable for the payment of Claims.
MODERATE PREMIUMS.—This Company, in determining its
charges for Assurances, under the various contingencies, de-
pendant on human life, has availed itself of the experience of
the oldest and most prosperous London Offices, and of the re-
cent investigations on the subject, made by the most compe-
tent Mathematicians and Actuaries. Its TABLES OF PREMI-
UMS consequently avoid, on the one hand, an UNNECESSARILY
HIGH RATE OF PAYMENT BY THE ASSURED, and on the other,
THE DANGER RESULTING FROM INADEQUATE CHARGES.

LARGE PARTICIPATION OF PROFITS BY THE ASSURED,
amounting to TWO-THIRDS of its net amount, which may be
applied at the option of the party effecting the Assurance.
Isl.—By an immediate payment of the sum so apportioned;
2d.—By an equivalent reduction of the future premiums; or
3d.—By an equivalent increase of the sum assured.
SMALL CHARGE FOR MANAGEMENT.—The expenses of the
Office being borne in due proportion by the two br
PROMPT SETTLEMENT OF CLAIMS.—AII claims will be pay-
able within three months after satisfactory proof of the death
of the Life Assured. The Directors reserving to themselves the
power to discharge any claim immediately on its being estab-
lished.

RESIDENCE IN ANY PART OF EUROPE allowed without any
additional charge, and the EXTRA PREMIUMS charged for
voya_ge to, and residence in, any other FOREIGN CLIMATE or
for NAVAL and MILITARY, or any other SPECIAL RISK is
fixed on a MODERATE BASIS.
POLICIES LAPSED BY NON-PAYMENT OF THE PREMIUM,
may be renewed within three months, by paying the premium
with a fine of 108. per cent., on the production of evidence to the
satisfaction of the Directors of the good state of health of the
Life Assured. _

The Company will always be prepared to PURCHASE the Po-
LICIES of this Office at their EQUITABLE VALUE.
Assurances may be effected when needed with the UTMOST
SECRECY AND DESPATCH

No ENTRANCE MONEY, nor any charg

except for the Policy

Stamp.
The usual Commission allowed to Solicitors.
The Directors likewise beg to announce that they hare
_made

arrangements to VRANT LOANS to persons assured by 418
Company, on Personal Security, or upon the &curl'', of Assign-
able Property of adequate ratite ; and to allow the cmsured
Credit of half the Premiums, for a limited number of years, as
may be agreed upon. PERCY M. DOVE, Manager.
June, 1846. _

N.B. The Directors are willing to receive applications from
Persons of INFLUENCE, INTELLIGENCE, and ACTIVITY,
to undertake AGENCIES tl.roughout the Counties of Lancas-
ter, Cumberland, Chester, and elsewhere, it being their deter-
mination only to appoint Agents possessing those qualifications.