The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1854-03-14 00:00:00

Insurance Notices.

SPECIAL NOTICE TO INSURERS FROM
FIRE.
UNITY FIRE INSURANCE ASSOCIATION.
CAPITAL, Two MILLIONS STERLING.
CHIEF OFFICES, 40, PALL-MALL, LONDON.
It is not generally known that Government makes an allow-
ance at the rate of Five per Cent. for the Country, and Four
per Cent. for London, to Insurance Offices, for the Collection
of the obnoxious Tax of 3s. per Cent. on Fire Insurances.
The Unity Fire Insurance Association having originated
the present movement for the repeal or modification of this
tax, the Directors, in conformity ith the views expressed in
the Petition to Parliament, and in anticipation of the ame-
lioration they are now seeking from Government, and also as
a substantial proof that they do not desire to make a profit
by the collection of this unjust tax, have determined on
allowing to Policy Holders and intending Insurers the full
benefit of the Discount.

All Insurers in-ilTellnity, therefore, on and after the 25th
of March instant, will be allowed the Discount upon the
amount of Duty chargeable on their Policies, at the rate of
.e 4 per Cent. on London, and .e 5 per Cent. on Country
Policies. By order of the Board,
JOHN SMIIH, Local Manager, 11, Lord street.

WATERLOO LIFE, EDUCATION,
CASUALTY, AND SELF-RELIEF ASSURANCE
COMPANY.
Incorporated under Statute 7 and 8 Vic. cap.
Subscribed Capital, .e 400,060.
HEAD OFFICE, 355, STRAND, LONDON.

LIVERPOOL LOCAL BOARD:
DIRECTORS.
Chairman.—Hilten Halhead, Esq., Merchant.
Robert Bickerstethi Esq., F.R.C.S.
James Bland, Esq., Merchant.
Matthew Gregson,Esq., Merchant.
William Joseph Borstal!. Esq., Merchant.
James Lord, Esq., Merchant.
MEDICAL REFEREE. Alfred Stephens, Esq., 4,
Upper Parliament-street.
MANAGER.—Mr. Chas. Batten, Cuthbert's-buildings,
Clayton-square.

FEATURES OF THIS COMPANY.
By the-appropriation of profits, a• Fund will be created for
the Education of Children of qualified Assurers upon Volun-
tary Principles, also for the relief of qualified Assurers and
Shareholders, their Widows and 01-phans, by providing
Annuities, and Homes or Asylums.
Assarancesgranted against paralysis,- blindness, insanity,
accidents-, and other afflictions.
Annuities granted. Family endowments. No charge to the
assured for policy stamps. Medical men always paid for their
reports. Loans granted in connexion with Life Assurance.
Rates of premium moderate.
An unumally liberal commission allowed to Agents.
Detailed Prospectuses may he had on application to
T. G. WILLIAMS, JUN., ESQ.,
MANAGER ANJ SECRETARY.
Head Office, 355, Strand, London.

NOY-FORFEITURE OF POLICIPS.
IMPORTANT TO INTENDING ASSURERS.
POLlClE'effected in the WESTERN. LIFE
ASSURANCE and ANNUITY SOCIETY, 3, Parlia-
ment-street, London,.(Established l 8 2,) do not become void
through the temporary inability, from unforseen circum-
stances, of an Assurer to PAY A PREMIUM when it becomes
due, for by making application -to the Directors he- will be
allowed once (or oftener should the value of the Policxat the
time of application permit it), tb have the privilege of SUS-
PENDING THE PAYMENT of that Premium (provided he
haa already paid three whole Premiums at least on the POlicy).
And his Policy will be endorsed to the effect that it continues
in force, as if the Premium omitted were paid, being however
charged with a debt equivalent' to that Premium and italn-
terest at per cent., which will be deducted from • the
amount of the Policy when the- Assured dies. The Policy
Holder shall, however, have it in his power to free his Policy
from the debt at any time by paying the amount due.
The great advantage of this feature must at once be seen,
since it removes the usual objections to the ordinary system
of Life Assurance? by which' an Assurer often loses all the
benefit he sought in paying regularly the Premiums for many
years on a Policy, because from temporary difficulties he i,‘
unable to pay a Premium where its becomes due, and the Po,
licy consequently lapses to the Office.
The Directors of this Society are open to proposals for,
Assurance to any amount.
The Society defrays the cost of Policy Stamps and Medical,
Fees, so that the Assured are subject to no charge beyond
the Premiums.

Attention is also invited to the rates of ANNUITY
GRANTED TO OLD LIVES, for which ample security is
provided by the large capital of the Society.
EXAMPLE:-100 cash paid down, purchases—
An Annuity cf -elO 4 0 to a Male Life aged 60 payable as
JP 12 3 1 „ 65 long
~ 14 6 3 ~ 70 as he
77 18 11 10 17 75 is alive.
The Annuities-are payable HALF-YEARLY; and the first
half-yearly Annuity is paid six months after the purchase-
money is received. All expenses of the Annuity deed are
defrayed by the Society.
All necessary forms, with every information as to the mode
of affording Assurances, may be obtained, either by letter or
personal application to

-JOHN SHIIItIMIN, Esq., Commission Agent,
3, Clayton-square,
Ant for Liverol its y ;
or to the Actuary, ARTHUR SCRApoTCHand LEY, VicinitF. R.S.A.,
3, Parliament-street,. London, Author of a Treatise (with
rules and tables) on
I.—Benefit Building Societies.
2.—Freehold Land Societies.
3.—Tontine Associations.

4.—Savings Banks and Deposit Life Assurances,
s.—Emigration Societies under the new act.
Also, " Observations on Life Assurance Societies," and
" Instructions for the Enfranchisement of Copyhold and Life
Leasehold Property."'
ACTIVE AGENTS WANTED.