The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1840-05-08 00:00:00

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H URCII OF ENGLAND LIFE AND FIRE .ASSUR-.
N.J.ANCE AND TRUST & ANNUITY INSTITUTION.
6, King William-street, London.
and 7, St. Martin's-place, Westminster.

THE PROSPECTUSES ARE READY,
By order,

E. M. ELDERTON,
40, Queen-square, Bloomsbury.
Applications for Shares, &c. may also be made to
OKILL and COOKE, No. 2, Dale-street,
Agents for Liverpool.
Surveyor for Liverpool—SAMUEL HOLME, Esq.,
Seel-street.
Medical Officer for Liverpool—J. P. lIALTON, Esq.,
Surgeon, Mount-pleasant.

WEST OF ENGLAND FIRE AND LIFE INSURANCE
COMPANY.
Empowered by Act of Parliament.
CAPITAL, £600,000.
President—The Right Honourable Lord CLIFFORD.
FIRE INSURANCES continue to be granted on the
plan of admitting the Insured into a participation of
the Surplus at the end of every Fifth Year, from which the
Public have already derived considerable returns.
LIFE INSURANCES.—Bonuses have been declared on
Policies, by adding to the Sums Insured, payable at the de-
cease of the Life, or an equivalent reduction of the future
Annual Premiums, at the option of the Insured. This ad-
vantage, added to the reduced rates of Premiums, renders
the terms of this Company particularly favourable to the In-
sured.

This Company's business is still increasing, and the esti-
mation in which the Institution is held, may be inferred from
the fact, that, as a Fire Office, it ranks the Seventh in the
Kingdom ; and, as a Life Office, the extent of its business is
not inferior to that of the first-rate Companies.
AGENTS IN LIVERPOOL:-
W. WHITEHOUSE & SON, 12, Exchange-buildings.
D. & J. B. NEILSON, Exchange-street East.

WIENCE can it arise that the obvious security and ad-
vantages of Life Assurance should be so little regarded
in Liverpool ?—that its inhabitants, as remarkable for pru-
dence as for enterprise, should, on this point alone, be so
reckless ? Of the thousands who are toiling early and late
to provide for their families, many must drop off long before
that object can be accomplished ; yet how few have Assu-
rances upon their lives, and for this the reason usually as-
signed is, " that they have not had time to think of Life
Assurance." They have time for every commercial opera-
tion, however unimportant, but they have no time for one
transaction of half an hour, requiring only an annual pay-
ment afterwards, to place their families beyond the reach of
want after their death—an event rendered not less probable
by the fatigue and anxieties of commercial life. Hardly a
vessel leaves the Thames without the captain and passengers
of ships belonging to London having Assured their Lives ;
whilst from the Mersey thousands proceed annually to the
States, to British America, the East and West Indies, and
to the great nation now rising up in Australasia, largely in-
debted to Liverpool merchants, but without Assurance upon
their Lives. The Directors of the Australasian, Colonial,
and General Life Assurance and Annuity Company, have
the pleasure to announce that they will be represented in
Liverpool by Messrs. KIRKBY and WATSON, of No. 20,
Water-street, who will afford every facility for the itnmedi-
ate despatch of Commercial and other Life Assurance, and
through their Agency the peculiar advantages of this Com-
pany are respectfully tendered to the inhabitants of Liverpool
and its vicinity.

TAP-AESTRAI STAN.. f' OA AIN TA T,...nntIAWIS.T.V.P.A.T,
20, WATER-STREET, LIVERPOOL.
Capital £200,000, in 2000 Shares.
DIRECTORS.
Edward Barnard, Esq. C. E. Mangles, Esq-.
John Henry Capper, Esq. .T. B. Montefiore, Esq.
Gideon Colquhoun, jun. Esq. J. H. Ravenshaw, Esq.
Francis Kemble, Esq. Sir James Stirling.

TRUSTEES.
Edward Barnard, Esq. • John Henry Capper, Esq. ;
Thomas Richardson, Esq., Cornhill.
AUDITORS.
J. E. Lyall, Esq. ; Christopher Richardson, Esq.
. • ACCOUNTANT.
Mr. Christopher Cousins.
MEDICAL REFEREES.
Dr. Hannay, 30, Great George's-square, Liverpool.
W. Beever, Esq. F.R.C.S. Mosley-street, Manchester.

BANKERS.
The Liverpool Commercial Bank, Liverpool.
Messrs. Jones, Loyd and Co. Manchester.
ADVANTAGES PECULIAR TO THIS SOCIETY.

An ample subscribed capital, which, from the mcde of in-
vestment, will contribute to, instead of detract fram, the
profits.
Rates of Premium lower than those of most of the com-
panies which do not offer participation in profits.
Participation to the 1,000 policy holders of the oldest
dates for the time being, for £5OO or upwards for the whole
of life, in profits to the extent of one-half, including those
of the Annuity Branch.
A separate Policy for every bonus", which becomesan abso-
lute reversion, unincumbered by payment of premium.
A DESCENDING SCALE OF PREMIUM, under which, after
certain periods, payments cease altogether, but profits con-
tinue.

AN ASCENDING SCALE particularly favourable to those
who are looking forward to increase of income, and entitling
Assurers to profits.
Two-thirds of each annual premium for the whole of life
may be paid, and one-third may remain at compound inte-
rest at 5 per cent.
A liberal system of conducting business, a tender of arbi-
tration in all disputed cases, and very moderate expenses of
management.

Naval and military service, voyages, and foreign residences,
at equitable rates of premium.
ADDITIONAL ADVANTAGES TO EMIGRANTS.
No extra premium for voyages in approved vessels to or
residence in the Australasian colonies in approved situations.
Premiums may be paid at any settlement in Australasia
where there is a bank.
Policies, whether effected- in England or these colonies,
may be made payable in either by endorsement.
Present Table of Annual Premiums for Assurance of £lOO
for 'even Years, and the Whole Life.

Age. Seven Years. Life. ,
s. d. s. d.
20 I, 017 1 110 3
25 0 19 7 1 14 11
301 1 3 4 2 0 7

lAge.iSeven Years.

Life.

s. d. £ s. (1.
40 1 9 6 2151 3
50 2 7 2 4 1 8
60 3 16 5 6 3 9