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

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.
UNQUESTIONABLE SECURITY, combined with low
Rates of Premium, are distinguishing features of this
Corporation.
IN THE FIRE DEPWi'MENT,

Losses by Fire are immediately paid; ndm property of every
description is insured on the most adyintageous 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, Pemberton-buildings,
Fenwick-street.
THOS. FORSYTH, 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 I Lord Elphinstone
Earl Somers Lord Belhaven and Stenton.
Earl of Norbury

DIRECTORS.
James Stuart, Esq., Chairman. /
William Plasket, Esq., Deputy-ChairnYan.
Samuel Anderson, Esq. Charles Done's, Esq.
Hamilton Blair Avarne, Esq. H. De CastrO, Esq.
Morton Balmanno, Esq. Charles Gjihatn, Esq.
Edwd. Boyd, Esq., Resident. F. Charles Maitland, Esq
F. L. Boyd, Esq., Asst. Do. I John ilitchie, Esq.

THIS Company, established by Actof 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 following 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. Sum added to Policy.
£lOOO 6 Years 10 Months. £136 13s. 4d.
1000 6 Years 120 0 0
1000 5 Years 100 0 0
1000 4 Years 80 0 0
1000
3 Years
1000
1000
2 Years
Year 60 0 0
40 0 0
1 Y
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 fora sum which may yield a comfortable pro-
vision for his family.

RATES OF PREMIUM.
Age, Without Profits. With Profits.
25 LI 18s. sd. ' 2s. lld. per cent
30 2 3 10
40 2 19 1 3 j _
50 4 9 8 4 14 5 ~
60 6 15 3 6 17 9 „
Insurances may be effected on lives, however far advanced,
and the half credit for five years is found particularly con-
venient on such Insurances. Annuities are granted on very
liberal terms.

2 8 2

FOR THE CONVENIENCE OF PARTIES RESIDING IN TIIE
CITY, they may make their appearance and pass the medical
examination before the Agent, EnwA RD FREDERICK LEEKS,
Esq., 4, Scott's-yard, Bush-lane, Cannon-street, and J. F.
GouDE, 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 half-past two o'clock, when
FREDERICK HALE TnomsoN, Esq., the Company's Surgeon,
is in attendance to give despatch to business.
PATRICK MACINTYRE, Secretary,
AGENTS FOR LIVERPOOL.
Messrs. BLANDIN, BROWN, and Co.,
32, Castle-street ; and
W. A. SMITH, Slater's-court, 5, Castle-street.
S. HOLLINS, Esq., Manchester.
J. A. JESSE, Esq., Solicitor,
45; Princess-street, 'Manchester.

c:, ti Date of
E! ),ii ,Assuraure

43 1815, Jan.
55 1816, Mar.
51 1817, Nov.
65 .1819, June
53 11821, Mar.
36 i 1822, Apr.
25 11523, Dec.

Interval
Date of between
Decease. Assurance
and
Decease.

Yrs. iMos

1837, Feb. 22
1834, Nov. 18
1831, Apr. 13
1532, Apr. 13
1835, Dec. 14
1832, Oct. 10
:1832, Dec. 9

Original
Sum

Assured'

s d
500 0 0
100 0 0
500 0 0
, 800 0 0
885 0 0
1500 0 0
'2500 0 0

The CAUSES which have led
perity of this Office, and which
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.

Amount
of Addi
tious by
way of
tioNus.

s d .e s d
258 16 1 758 16 1
45 9 11 145 9
186 14 0 656 14 0
313 16 91113 16 9
207 17 g 1092 17 9
250 17 6 1750 17 6
380 1 3 2880 1 3

:0 the e:
[lave en;

xtraordinary pros-
tabled it declare so

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 behaliof the
Assured, the COST at which the valuable benefits of LIFE
ASSURANCE are obtained, its advantages are by no
means limited to this :
I'IS LARGE and rapidly increasinr, 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 important difference is to be found, and to be found
only, in the APPLICATION of the Profits :
In Proprietary Companies their operation is exhibited
in increasing the value of the Proprietor'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 LONDOS 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.
o ccupation, are allowed to
The Assured, if mot seafaring by
pass during peace by sea from one Part of Europe to any
other part of Europe, without IicensMACKENZIE, e or extra premium.
JOHN Manager.
_Edinburgh, September, 1841.

ARTHUR OIiGHiERSON and Co.,
EXCHANGE-STREET EAST,
iits fur Lice/pool and the suroundin9 district.