The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1847-11-16 00:00:00

Nov. 16, 1547.

Ensurante 4lotirto.

THE LIVERPOOL AND LONbON FIRE AND
LIFE INSURANCE COMPANY.
ESTABLISHED IN 1836.
EMPOWERED BY ACT OF PARLIAMENT.
OFFICES:
8, WATER-STREET, LIVERPOOL,
3, CHARLOTTE-ROW, MANSION-HOUSE, LONDON.

The Directors beg to acknewled e steadilyincreasing
support which this Institution e iences, and to assure the
Public that, whilst the nu us and wealthy Proprietary
enables them to offer mo- ple security for the fulfilment of
the Company's eng eats, the confidence and preference
. manifested towaiO4 shall be met, as heretofore, by strenuous
endeavours to facilitate the despatch of business, and by
liberality and promptitude in the settlement of claims.
Br 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 VIIIER 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.
apecimen of the Rates for an Insurance of .€lOO 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. Premium
when
Insured Yearly. Half do. Yearly. Half do. Bonus.
s. d. s. d. a. d. s. d. s. d.
30 11
2 2 6 1 1 2 9 5 1 5 6 112 9 1
25 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
50 319 8 2 1 0 412 7 2 7 9 219 1
Specimen of the Addition to the Sums Insured in the case of
Policies of .tl,OOO each, to be taken out at the Bonus
Premiums.
First 'By the addition of the further
Then Decennial Bonus, the amount
when Bonus
Insured after 'en Annual. *payable in case of death will
b
Paymentsnue,—after
90 Years. 30 Years. 40 Years.
Xa.d.XB. d. I s. d. Xa.d.X s. d.
30 90 8 4 9 0 11l 1271 5 0 1542 10 0 1904 34,
35 94 11 8 99 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 5 0 1642 10 c 2000 0 0,
—5O 116 13 4 11 13 4 1350 0 0 1700 0 0 2000 0 0

when
Insured

The SCALE of REDUCTIONS which are guaranteed ranges
from 33} to 59 per cent. •en 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 within three months after satis-
factory proof of death.
INSURANCE OF CAPITAL SUMS.
The Directors are pmared 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
Specimens of the Premium for the Insurance of XlOOO, payable
after the lapse of a given number of years.

Years. Rate. Years. Rate. Years. Rate.
s. d. f s. d. s. d.
99 116 8 CO 610 01 40 13 1.7 6

AGENCIES.—The Directors are prepared to receive applica•
tions for Agencies in Towns and districts in which appoint-
Inents have not yet been made. No application will beattended
to unless accompanied with unexceptionable references.
SWINTON BOULT, Secretary to the Company.

-GUARANTEE SCIET
19. BIRCHIN-LA NE, CORNHILLO,
LONDON. Y.,
FOR PROVIDING SECURITY FOR FIDELITY,
IN LIEU OF
PIPTAL,.eIOO,RIVATE S
9ECURITIESOO .
CA.
There is no charge beyond the Premium, which is reduced at
the expiration of the fifth year ' ting Policies.
STEES.
I Charles Rugge Price, Esq.
. I Major-General Pariby, C.B.
AGENTS IN LIVERPOOL,
M SRS. HUGHES AND RONALD,
33, DALE-STREET.

James Colquhoupz
Thomas fowler

NEW SICK BENEFIT CLUB.
GENERAL PROVIDENT ASSURANCE
•
SOCIETY,
20, SOUTH JOHN-STREET, LIVERPOOL.
PATRONS.
The EARL Of SEFTON.
VISCOUNT.r SANDON,
r.NTwISLE Esq.,
The Worshipful 'the MAYOR of Liverpool.
The Rev. JoN.A.THAN Ba , e or.
The Rev. AtrousTus PBELL, Rector.
PaEsrncNT.— N CROPPER, Esq.
.—THOMAS SANDS, Esq.
THE/.SL RER.—JOHN CLOW, Esq.
TRUSTERS.
John Bramley \loere, Esq. James Stitt, Esq.
I
\ George Holt, Esq. Samuel Holme, Esq.
MEDICAL OFFICERS.
Benjamin Blower, Esq., 59, Pembroke-place.
James Bruce, Esq., M.D , 58, Nelson-street.
Henry Pritchard, Esq.. Fairfield.
Thomas Eden, Esq., Dingle.
•• Edward Parker, Esq., Rake-lane, Kirkdale.
George Walker, Esq., 13, Price-street, Birkenhead. •

• This Society offers the following advantages :
weekly Allowance from ss. to 208., by weekly, monthly, or quar-
terly payments.
• Annuities from 2s. 6d. to 40s. per week, do. do. do.
Sum payable at Death from .t'lo to .'2OO, do. do. do.
Endowments for Children from £5 to £2OO, do. do. do.
Afedical Advice with Attendance, 3s. per year.
This Institution being certified by Act of Parliament, is free
from all Stamp Duty. Attendance daily from TEN to FOUR
• and SIX to EIGHT, at the Office, 20, SOUTH JOHN-STREET
LIVERPOOL. H. REID, Secretary.

DISEASED AND HEALTHY LIVES ASSURED.
MEDICAL, INVALID, AND GENERAL 'LIFE
OFFICE.

25, PALL-MALL, LONDON ; 22, NASSAU-STREET,
DUBLIN ; GROSSE GALLENGASSE, FRANKFORT;
AND BORSEIV PASSAGE, HAMBURG.

SUBSCRIBED CAPITAL, .€500,000.

This Office was Ests.blished in 1841, and possesses tables
formed on a scientific •basis for the Assurance of Diseased
Lives.
Policies of twelve months standing are not affected by sui-
cide, duelling, &c., and Assigned Policies from the date
thereof, should death ensue from 'a these causes.
Policies issued by this Socie give the Person whose life is
assured permission to go at y time beyond the limits of Eu-
rope, on the payment of tain, but small and fixed, rates of
premium, which are • crsed on the Policy at the time when
first issued.
HEALTHY LIVES, both at Home and in Foreign Climates,
are Assured with as much facility and at lower rates than at
most other offices; and a 'capital of HALF-A-MILLION ster-
ling, fully subscribed, affords a complete guarantee for the
fulfilment of the Company's engagements.
Prospectuses and forms of Proposal will be forwarded, postage
free, o. aon2iiic.titio_n__to any of the Society's Agents, or to
Fnwr:c 101 Y.isoN, ACTUARY, 25, Pall Mall, London.
AGENTS.
LIVERPOOL.... A. HIGGINSON. Esq., 1, Mornin- n t - r ace.
OCTAVIUS WATERHOUSE, Statiia°ln'ster-build-
Titheba rn- street.
. Medical Referees.—THOS. INMAN, M.D.; P. RAMSAY,
M.D.
Bolton-le-Moors J. Taylor, Esq., Coroner for Bolton.
Chester Richard Barker, Esq., Solicitor.
Lancaster William Dunn, Esq., Solicitor.
Manchester Mr. P. Pennington, 70, Hardman-street.
Mold (North Wales) C. E. Molineux, Branch Bank of England.
Preston
*Stockport Mr. Thos: Brooke, Grocer, 18, Bridge-
street.

NATIONAL LOAN FUND LIFE ASSURANCE
SOCIETY, •
26, CORNHILL, LONDON.
CAPITAL, £500,000.-EMPOWERED BY ACT OF PARLIAMENT.

This Institution embraces important and substantial advan-
tages with respect to Life Assurances and Deferred Annuities.
The Assured has, on all occasions, the power to borrow, with-
, out expense or forfeiture of the Policy, twu-thirds of the pre-
miums paid, (see table ;) also, the option of selecting benefits,
and the conversion of his interests to meet other conveniences
or necessity. Assurances for terms of years on the lowest

POssible rates.
DIVISION PROFITS.
•
The increasing prosperi f the Society has enabled the Di-
• rectors, at the annual eeting held on the 12th May, .1847, to
' declare a Fifth BON , varying from 35 to 85 per cent. on the
Premiums paid each Policy effected on the Profit Scale.