The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1854-03-21 00:00:00

Insurantt Notias.

SPECIAL NOTICE TO INSURERS FROM
Fl Rft.
, 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 Insurance.
The Unity Fire Insurance Association having originated
the present movement for the repeal or modification of this
tax, the Directors, in conformity u ith the views expr- ssed 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 tat, .have determined on
allowing to Policy Holders and intending Insurers the full
benefit of the Discount.
All Insurers in the Unity, 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
£4 per Cent. on London, and .es per Cent. on Country
Policies. By order of the Board,
JOHN SM I 1 H. Local Manager, 11, Lord-street.
11:1P. The Petition for the Repeal or Reduction of the exces-
sive Duty on Fire Insurance will lie for Signature at the
dlereury-office, To-morrow (Wednesday) and Saturday.

NON-FORFEITURE OF POLICIES.
IMPORTANT TO INTENDING ASSURERS.

POLICIES effected in the WESTERN LIFE
ASSURANCE and ANFUITY SOCIETY, 3, Parlia-
ment-street, London, (Established 18420 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 which an Assurer often loses all the
benefit be 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 arc 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 :—.4.100 cash paid down, purchases—
An Annuity of .elO 4 0 to a Male Life aged 60 payable as
IP 12 3 1 f f 65 long
ft 14 6 3 21 70 as he
18 11 10 75 is wive.
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 he 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, ARTHUR SCR 'l'C LEY, 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 ender the new act. _
_

Also, " bbservatiqns on Life Assurance Societies," and
" Instructions for the Enfranchisement of Copyhold and Life
Leasehold Property.m

AcIIVE AGENTS WANTED.