The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1853-07-05 00:00:00

FIRE DEPARTMENT'

Property insured throughout the-United 'Kingdom. Half of
the surplus premiums returned to the assured every fifth year,
on policies of .t3PO and upwards, of two years' standing. The
sixth return, at Christmas, 1847, amounted to ten per cent. on
the premiums paid. CHARLES LEWIS, secretary.
Exeter, September, 1853.

AGENTS AT LIVERPOOL :
WILLIAM GREGORY, jun., 11, Exchange-buildings.
D. and J. B. NEILSON, 3, High-street.
J. A. HORACE JEE, Lancaster-buildings.
SAMUEL BU LLRY, is, Exchange-buildings.
THOMAS HAIGH, 7, Castle-street.
ARTHUR JACKSON, Exchange-court, Exchange-street East,

Fire-engine Station, No. 7, lower end of Mount-Pleasant.
The Company's Engine and Brigade are maintained entirely
at their own expense, and are despatched to all fires, free of
charge, special protection being given to property covered by
the company's policies.

MUTUAL LIFE A;SURANCE.
THE SCOTTISH PROVIDENT INSTITUTION
is the only Office which combines the advantage of par-
ticipation in the Whole Profits, with moderate Premiums. It
is a Mutual Assurance Society, in which the Whole Profits
belong to the Policy-holders; and it is free from the objection
of excessive Premiums, which is urged by the Proprietary
Companies against other Mutual Societies.

The Premiums are low as those of the son-participating
scale of the Proprietary Companies. They admit of being so,
not only with safety, but with ample reversion of Profits to the
Policy-holders—being free from' the burden of payment of
Dividends to Shareholders.

The principle on which the profits are divided is at once safe,
equitable, and favourablfrrto good lives—the Surplus being re-
served for those memhers who alone can have made surplus
payments; in other, Words, for those whose Premiums, with
accumulated Interest, amount to the sums in their policies.
This principle, while it on the one hand avoids the anomaly
of givin,, additions to those policies which become claims in
their earlier years, secures, on the other hand, that there is no
member who has not been, in a pecuniary sense, a gainer by
the transaction, who does not receive a share of the Profits.
The practical working of the system has been, that at the
first Division of Eurplus-15i years after the commencement—
Bonus Additions have been made to the Policies which have
come within the participating Class, varying from 20 to 54 per
cent. on the sumsassured.

ANNUAL PREMIUM TO INSURE 'lOO AT DEATH

Age-'25

40 I 45 I 50

£1 ISO I .-e2 I 6 I .e 2 6 10 I t'l 14 9 I .t'3 3 9 I .e 4 1 7

It will be seen on comparison that the same Premium which,
at age 30, for example, is charged in the other Scottish Mutual
Offices for Assurance of £l,OOO, will secure, in this Society, a
Policy of .t 1,230. And it is to be borne in mind that the higher
immediate Assurance in this Office does not involve the sacri-
fice of the member's interest in the profits, or any portion of it.
This advantageous comparison holds good, to nearly the
same extent, with the participating scale of the Proprietary
Companies._ _

Foim.s of Proposals, Copies of the Annual Report, and every
information may be had on application.
Edinburgh, July, 1853. JAM ES WATSON, Manager.

AGENT FOR LIVERPOOL.
JOHN REID, 13, OLDHALL STREET.
MEDICAL OFFICER:-DR. GEE, 10, OXFORD-STREET

MANCHESTER AND LONDON LIFE
ASSURANCE AND LOAN ASSOCIATION.
77, KING. STREET, MANCHESTER.
454, WEST STRAND, LONDON.

The business of this Association is that of-
-I.—Life and Survivorship Risks of every Description—Civil,
Naval, or Military.
2.—Loans on Equitable Terms Life Assurance being contem-
poraneously effected, on approved Personal or any other
sufficient Security.
3.—Assurance upon Half-Credit Scale of Rates.
I.—Endowments for Children, on Non-returnable or Return-
able Premiums.
s.—Policies Payable to Bearer.
ii.—Whole World Policies, being Perfect Securities, Payable
to Bearer, or otherwise, at Moderate Additional Rates.
7.—Policies without Extra Rates, to Persons in the Militia, or
others, not forfeited if killed in defending the Country from
Invasion.
B.—Notices of the Assignment of Policies Registered.
9.—Medical Referees paid by this Association.
10.—Age of the Life Assured admitted on all Policies, reason-
able proof being given.
11.—Stamp Duty on Policies paid by the Association.
*.* Four-fifths, or Eighty per Cent., divided every Five Years,
amongst all Policy-Holders entitled to Profits.
SECRETARY, MANCH ESTER.—CHARLES HEN RY MINCHIN.
ACTUARY AND SECRETARY, LONDON.—WILLIAM JAMES

STRIeKLAND,

THE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY,

ESTABLISHED IN 1836.
Empowered by Acts of Parliament.
OFFICES.
37, CASTLE-STREET, LIVERPOOL,
AND
20 .5. 21, POULTRY, LONDON.
TRUSTEES.
Sir Thomas Bernard Birch, Bart.
Adam, Hodgson, Esq. Samuel Henry Thompson, Esq.
DIRECTORS IN LIVERPOOL.
Chairman—Thomas Brocklebank, Esq.
Deputy-Chairmen.
Joseph C. Ewart, Esq. and Francis Haywood, Esq.
Thomas Booth, Esq. George H. Lawrence, Esq.
Francis Caesar Braun, Esq. Harold Littledale, Esq.
William Earle, Esq. William Lowe, Esq.
George Grant, Esq. Alexander Macgregor, Esq.
Thomas Haigh, Esq. John Marriott, Esq.
Francis A. Hamilton, Esq. William Nicol, Esq.
Robert Higgin, Esq. Charles Saunders, Esq.
George Holt, Esq. John Swainson. Esq..
Hugh Hornby, Esq. James Aspinall Tobin, Esq.
Secretary—Swinton 13oult, F.sq.
DIRECTORS IN LONDON.
Chairman—William Ewart, Esq.. M.P.
beputy-Chairman—George Frederick Young, Esq.
Edward Barnard, Esq. Hon. F. Ponsonby.
William Brown. Esq., M.P. I John Ranking, Esq.
Sir Wm. P. de Bathe, Bart. Edward Thompson, Esq.
Matthew Forster, Esq. I Swinton Boult,Esq.,Secretary
Frederick Harrison, Esq. to the Company.
Ross D. Mangles, Esq., M.P.
Resident Secretary—Benjamin Henderson, Esq.
Auditors—T. B. Blackburne, Esq., and Daniel James, Esq.
CONSTITUTION.
Liability of the entire body of Shareholders unlimited.
FIRE DEPARTMENT.
PROPERTY INSURED AGAINST Loss OR DAMAGE BY FIRE
IN THE UNITED KINGDOM, THE BRITISH COLONIES, AND IN
FOREIGN COUNTRIES.
The Premiums received
In 1837 were £11,987 in 1842, £23,504.
In 1847, £41,402 in 1852,
LIFE INSURANCE IN ALL ITS BRANCHES ; LOANS
GRANTED ON LIFE AND REVERSIONARY INTERESTS, AND
ANNUITIES IMMEDIATE OR DEFERRED.
The Premiums received on Life Policies amounted
In 1837 to £1,755 it 1842 to £3,103.
In 1847 to £21,197 in 1852 to .e50,8C0.
THE BONUSES OF THE COMPANY ARE GUARANTEED
WHEN THE POLICIES ARE ISSUED.
Persons whose Fire Policies with this Company expire on the
24th instant, are respectfully reminded that receipts for the
renewal of the same will be found at the Head Offices in
Liverpool and London, and in the hands of the respective
Agents ; and those who, preferring the security offered by this
Company, may desire to remove their Insurance, are informed
that no expense will be incurred by such removal.
Further particulars may be had on application at the Offices,
37, CASTLE-STREET, Liverpool ; and 20 and 21, Poultry,
London ; or to any of the Agents in the Country.
SWINTON BOUM', Secretary to the Company.
BENJ. HENDERSON, Resident Secretary, London.
37, Castle-street, Liverpool, June, 1853.
AGENT FOR BIRKENHEAD :
Mr. Robert Hughes, Brandon-street, Hamilton square.

1111010YAL INSURANCE COMPANY,
LIVERPOOL.
CAPITAL, £2,000,000 in 100,000 SHARES of .t2O each
HEAD OFFICE,
NORTH JOHN-STREET AND DALE-STREET.
TRUSTEES.
John Shaw Leigh, Esq. 1R.8.8. H. Blundell, Esq
DIRECTORS.
Charles Turner, Esq., M.P., Chairman.
J. Bramley- Moore, Esq., and Edmund Molyneux, Esq,
Depaty-Chairmen.
Michael Bousfield, Esq. Edward Johnston, Esq.
Thomas Boucb, Esq. Roger Lyon Jones, Esq.
Ralph Brocklebank, Esq. James Lawrence, Esq.
David Cannon, Esq. Francis Maxwell, Esq.
Thomas Dover, Esq. George Maxwell, Esq.
R. Elli3oo Harvey, Esq., Robert M'Andrew, Esq
T. Dyson HOrnbY, Es• William Smith, Esq,
A..
George H. Horsfall,,Bssq. John Torr, Esq
Richard Houghton, h
BIR K NHE,
OFFICE—HAMILTON-BUIL
Agent.—Her
Surgeon.—James T. Val€

AD BRANCH,
,DINos, HAMILTON-STREET.
nry Cole, Esq.
e, Esq., Hemißon-square.

The Directors beg to announce that they continue to RE-
CEIVE PROPOSALS for FIRE and LIFE INSURANCES.
The large Capital of the Company, and the number and in-
fluence of its Proprietors, enable it to take rank with the most
eligible offices in the kingdom, with respect to the advantages
offered to the Public.

FIRE INS'
Will be effected at moderate rat
having the advantage of a resi
to distinguish itself by its pr
Claims.

URANCES
:es of premium. The Company,
'dent Directory, will be enabled
'oniptnesa in the Settlement. of

No Charge made for the Poll
LIFE El
The Company likewise assure
mtingencies,