The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1849-07-10 00:00:00

THE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.

ESTABLISHED IN 1836.

EMPOWERED BY ACT OF PARLIAMENT.
OFFICES:
8, WATER-STREET, LIVERPOOL,
CHARLOTTE-ROW, MANSION-HOUSE, LONDON.

The Directors beg to acknowledge the steadily increasing
support which this Institution experiences, and to assure the
Public that, whilst the numerous and wealthy Proprietary
enables them to offer most ample security for the fulfilment of
the Company's engagements, the confidence and preference
manifested towards it shall be met, as heretofore, by strenuous
endeavours to facilitate the despatch of business, and by
liberality and promptitude in the settlement of claims.
BY THE FIRST ACT OF PARLIAMENT obtained by the
Company, it is expressly conditioned that the liability of the
Shareholders under the policies shall not be restricted by
special contract or otherwise.
INSURANCES AGAINST FIRE

Are undertaken on Property. of every description in the United
Kingdom, the British Colonies, and in Foreign Countries; the
Rates of Premium may be known on application.
LIFE INSURANCE.
_ _

The Directors continue to receive proposals for the sale and
purchase of Annuities, Endowments, Reversions and contingent
Interests, and for Insurances on Lives. No Entrance or Admis-
sion Fees are required, nor is any additional premium charged
to Officers in the Army or Navy, unless called into actual
service. The following are amongst the advantages held out
by the Company :
Two SCALES OF PREMIUMS, ONE LOWER THAN THOSE OF
MOST OTHER COMPANIES; the other carrying GUARANTEED
ADDITIONS, or entitling to GUARANTEED REDUCTIONS in the
FUTURE PREMIUMS, on a plan entirely new and peculiar to
this Institution.

Specimen of the Rates for an Insurance of ~elOO on a Single
Life, and of the Reduced Premium of Policies taken out on
the Bonus Scale:—

For whole of Life. Reduced
Age Without Bonus. With Bonus. I.Premium
when
Insured Yearly. Half do. Yearly. Half do. Bonus.
es. d. s. d. £s. d. e s. d. s. d.
30226111129 5 1 5 6 1 12 9
35 2 8 6 1 5 0 216 5 1 9 1 117 4
40 216 3 1 9 0 3 5 5 113 8 2 2 9
• 45 3 6 4 114 2 317 2 119 9 210 0
50 3 19 8 2 1 0 4 12 7 2 7 9 2 19 1
Specimen of the Addition to the Sums Insured in the case of
Policies of £l,OOO each, to be taken out at the Bonus
Premiums.
First By the addition of the further
Age Bonus Then Decennial Bonus, the amount
when after Ten Annual payable in case of death will
Insured Bonus. be,—after
Payments 20 Years. 30 Years. 40 Years.
s. d. s. d. I £ a. d. £ a. a. .c s. d.
30 90 8 4 9 010 1271 5 0 1542 10 0 1904 3 4
35 94 11 8 9 9 2 1283 15 0 1567 10 0 1945 16 8
40 101 13 4 10 3 4 1305 0 0 1610 0 0 2000 0 0
45 107 1 8 10 14 2 1321 3 0 1642 10 0 2000 0 0
50 1116 13 4 11 13 4 1350 0 0 1700 0 0 2000 0 0

The SCALE of REDUCTIONS which are guaranteed ranges
from 331 to 52 per cent. on the amount of Premium, and the
Bonus contingent only on the continuance of the life doubles
the amount of Policy.
No LIABILITY of Partnership, these reductions and addi-
tions not being contingent upon Profits.
POLICIES are issued for the Half Premium system, and on
an ascending scale.
SURRENDERS of POLICIES are accepted on very liberal
terms ; and claims are paid withir. three months after satis-
factory proof of death.
INSURANCE OF CAPITAL SUMS.

The Directors are prepared to receive applications for Poli-
cies, which, though available for many other purposes as well,
will have the effect of rendering Property held under Lease for
years equivalent to Freehold for all purposes of mortgages or
investment. The following Table will afford

..peeiniens of the Premium-for the Insurance of .elooo,payable
after the lapse of a given number of years.

Years. Rate. Years. Rate. I Years. Rate.
s. d. s. d. s. d.
g 9 1 16 8 6O 6 10 0 40 13 17 6

AOENCIES.—The Directors are prepared to receive applica-
tions for Agencies in Towns and districts in which appoint-
ments have not yet been made. No application will be attended
to unless accompanied with unexceptionable references.
SWINTON BOULT, Secretary to the Company.
BENJ. HENDERSON, Resident Secretary in London.