The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1854-04-11 00:00:00

Insurance Noticcs.

NIAN CE
ASSURANCES T AND LONDON RLIFE
AND LOAN ASSOCIATION,
77, RINHSTREET, MANCHESTER;
454, WEST-STRAND. LONDON;
1, CAVENDISH-LOW, RUTLAND-SQUARE, DUBLIN.
Life and Survivorship Risks of every description.
Loans on Equitable Terms, Life Assurance being contem-
poraneously effected on approved Personal or any other suffi-
cient Security.
Endowments for Children on Non-returnable or Returnable
Premiums.
Stamp Duty on Policies Paid by this Association.
*** Fourth-fifths, or Eighty per Cent., Divided every Five
Years amongst all Policy-holders entitled to Profits
Secretary, Manchester—CHAßLES HENRY MINCHIN.
Actuary and Secretary, London—WM. JAS. STRICKLAND.

THE ROYAL INSURANCE COMPANY.
CAPITAL, .61,000,000, in 100,001 SHARES of £2O each.

HEAD OFFICE,
NORTH JOHN-STREET, AND DALE-STREET.

TRUSTEES.
John Shaw Leigh, Esq. 1R.8.8. H. Blundell, Esq.
DIRECTORS, &C., IN LIVERPOOL.
Charles Turner, Esq., Chairman.
J. Brat/AO-Moore, Esq., and Edmund Molyneux, Esq.,
Deputy-Chairmen:
Michael Belcher, Esq. Richard Houghton, Esq.
Michael Boustield, Esq. Edward Johnston, Esq.
Thomas Much, Esq. Roger Lyon Jones, Esq.
Ralph Brocklebank, Esq. James Lawrence, Esq.
David Cannon, Esq. William .1. Marrow, Esq.
Thomas Dover, Esq. I Francis Maxwell, Esq.
It. Ellison Harvey, Esq. George Maxwell, Esq.
James Holme, Esq. Robert WAndrew, Esq.
T. Dyson Hornby, Esq. William Smith, Esq.
George H. Horsfall, Esq. John Torr, Esq.
AUDITORS.
William Titherington, Esq., and John Dickinson, Esq.
PHYSICIAN. SURGEON.
Richard Formby, M.D. Hugh Neill, F.R.A.S.
SURVEYOR. SOLICITOR.
Samuel Holme, Esq. Septimus Booker, Esq.
MANAGER AND ACTUARY, Percy M. Dove, Esq.
BIRKENHEAD BRANCH,
OFFICE—HAMILTON-BUILDINGS, HAMILTON-STREET.
Agent.—Henry Cole, Esq.
Surgeon.—James T. Vale, Esq., Hamilton-square.
LIFE BRANCH.

aPECIAL NOTICE.—STAMPS ON LIFE POLICIES NOT

CfiAItGED.

Attention is directed to the fact that to a defined extent Life
k Premiums are not subject to Income-tax, and that in certain
Cases Life Policies are exempt from the New Succession
Duties.

FIRE BRANCH.

FIRE INSURANCES will be etYected at moderate rates of
Premium. The Company, having the advantage of a Resi-
dent Directory, will he enabled to distinguish itself by its
promptness in the settlement of Claims.
No Charge made (or the Poliey.

- ,
LIFE BRANCH.
The Company likewise assure Lives on any of the following
contingencies, name►y :

For the WHOLE CONTINUANCE OF LIFE.—The Premiums
to cease after a LIMITED NUMBER OF ANNUAL PAYMENTS.
For a Sum to be payable at Age 60, or at Death.
PREMIUMS ON CREDIT.-
A PORTION OF THE PREMIUMS MAY REMAIN ON
CREDIT, OR ASSURANCES MAY BE EFFECTED IN
VARIOUS WAYS, NOT ENUMERATED, TO MEET THE
CONVENIENCE OF.TIIE PARTY MAKING THE ASSUR-
ANCE.

The important advantages afforded by the Company in this
Branch will include the following, viz.:—
GUARANTEE OF AN AMPLE CAPITAL, MODERATE PRE-
MIUMS, LARGE PARTICIPATION OF PROFITS BY THE
ASSURED. SMALL CHARGE FOR MANAGEMENT, &c.
The usual Commission allowed to Solicitors.
Fees to Medical Referees are likewise granted by this Com-
pany. PERCY M. DOVE, Manager.
Policies falling due at LADY DAY should be renewed on
or before the 9th of April next.
March 22, 1854.
ATE RL 00 LIF E; EDUCATION,
CASUALTY, AND SELF-RELIEF ASSURANCE
COM PANY.
Incorporated under Statute 7 and 8 Vic., cap.
Subscribed Capital, £400,000.
HEAD OFFICE, 355, STRAND, LONDON.

LIVERPOOL LOCAL BOARD:
DIRECTORS.
Chairman.—Hilton Halhead, Esq., Merchant.
Robert Bickerstetli, F.R.C.S.
James Bland, Esq., Merchant.
Matthew Gregson, Esq., Merchant.
William Joseph Horsfall, Esq., Merchant.
James Lord, Esq., Merchant.
MEDICAL REFEREE.—Alfred Stephens, Esq., 4,
Upper Parliament-street.
MAN AGER.—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 Chrildren of qualified Assurers upon Volun-
tary Principles, alsa for the relief of qualified Assurers and
Shareholders, their Widows and Orphans, by providing An-
nuities, and Homes or Asylums.
Assurances granted agtinst 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 As.
surance. Rates of premium moderate.
An unusually liberal commission allowed to Agents.
Detailed Prospectuses may be had on application to
T. G. WILLIAMS, JUN., Ent.,
MANAOER AND SECRETARY.
Head Oflice, 355, Strand, London.

NON-FORFEITURE OF POLICIES.
IMPORTANT TO INTENDING ASSURERS.

POLICIES effected in the WESTERN LIFE
ASSURANCE and ANNUITY SOCIETY, 3, Parlia-
ment-street, London, (Established 1842,) 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 Policy at the
time of application permit it), to have the privilege of SUS-
PENDING THE PAYMENT of that Premium (provided he
has 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 it the Premium omitted were paid, being however
charged with a debt equivalent to that Premium and its In-
terest at £5 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 whic.i 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 is
unable to pay a Premium when it 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 Preminms.

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 :—.eloo cash paid down, purchases—
An Annuity of ..10 4 0 to a Male Life aged 60 payable as
12 3 1 If 65 long
92 14 6 3 70 as he
ff 18 11 10 If 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 SHIMMIN, Esq., Commission Agent,
3. Clayton-square,
Agent for Liverpool and its Vicinity ;
or to the Actuary, A RTHUR SCR XTCIILEY, M.A., F.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
Leatoehold Property."
ACTIVE AGENTS WANTED.