The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1833-12-24 00:00:00

LIFE DEPARTMENT.

A variety of Tables of Rates have been computed to accom-
modate those classes of the community who may be desirous of
participating in the profits of the Incorporation, and a reduced
scale has been prepared for those who may wish to secure a
specific sum in case of premature decease.
PARTICIPATION OF PROFITS.

TWO-THIRDS of the profits are allotted at regular periods
to the insured, WITHOUT BEING SUBJECT' TO ANY
DEDUCTION FOR CHARGES OF MANAGEMENT.
The first division will be made on the Ist January, 1812. The
remaining one-third will be reserved by the Incorporation as a
compensation for undertaking the whole expense of manage-
ment, and for the security afforded by their capital against all
possible contingencies.
The profit will he divided on the most equitable principles,
in the proportion that each surviving person has contributed
to the profit Fund.
A reversionary sum, equivalent to the present bonus, will be
added to the original sum insured; or, a corresponding reduc-
tion will be made from the future annual premiums.

The general accounts of the Incorporation are patent to the
insured, but the individual transaction? themselves are held as
strictly private and confidential.
REDUCED RATES. NO PROFITS.
To facilitate Loan transactions, a reduced scale of rates has
been adopted, which will be found particularly favourable to
the insured, especially for young- and middled-aged persons.
SPECIAL RISKS.

Moderate rates are 71emanCiecifor Insurance against the con-
tingencies of foreign climates, military or naval service, and
voyages to distant countries ; also for healthy persons above the
age of 60, and for persons of all ages, afflicted with gout, asthma,
rupture, or other serious maladies.

Each Policy. issued by the Company, makes it imperative on
the Directors in the event of doubts or difficulties arising, to
submit all such disputes or questions to arbitration ; while, for
the convenience of persons resident in England or Ireland, it
' -• ' for the Insured to sue the Corporation if ne-
nroper writ upon the Company's agent
vice was effected.
:particularly the various advantages
to the public, with Tables of the
.1, Insurance, may be obtained by

appkying top
ir. .-- •
'A E. BRODIE, Agent, Liverpool.
T. W. WAINWRIGHT, Surgeon.
TeRNER and HARVEY, Manchester.
Bretherton-buildings, North John-street.

ATLAS ASSURANCE COMPANY.
LIFE DEPARTMENT.

PERSONS Assured for the whole term of Life in Great
Britain or Ireland respectively, will hav an addition, made
to their Policies every seventh year, or an uivalent reduction
will be made in the future payments of P nium, at the option
of the Assured.
The following table shows the total a ditions made to Life
Policies for £lOOO, effected in Lon* cr through an Agent in
Great Britain. which had been in force for the'fourteen years
ending at Christmas, 1830.

-.' Annual z =....: . Amount added
I 74,11, i
(X) Sum
premium. F:,,,,`g t 1 ayable at the
'—' Assured.
c.; ---t -- - - ..c ga 1 garty's death.
a F.)
.
...5 £10(X) i:2l 15 IC 20 1 £230
S 1000 24 0 It 25 1 236
g 1000 26' 14 2 30 244 "
Ii 1000 29.184 35 2.56
1000 33 10 2 40 278
E 1000 38 19.1 2 45 304
7 1 3 4 55 382
45 6 8 59
340
8 000 53
"'lOOO 63113 460 449

•
Equivalent Reductions have been made in the future paY-
rnents of Premium, where the parties assured have desired to
have the amount of surplus Premiums so applied.
The next valuation will be made at Christmas, 1837, and
Policies effected before that date will participate in proportion
to the time they may then have been in force.
The Company pui chase their Polices at an equitable value.

FIRE DEPARTMENT.—In addition to the benefit of the late
Reduction in the Rates of Premiums, this Company offers to Assur-
ers the advantage of an allpwance.for the loss of Rent of Build-
ings rendered untenantable by Fire.
Farming Stock is now exempt from Duty, and may be assured
at 2s, per cent., without any restrictive clause, instead of 55., as
heretofore charged.
Policies becoming due at Christmas should be renewed
within fifteen days from that period.

The Company's Rates and Proposals may be had at the
Office in London, or of any of the Agents in the Country, who
are authorized to report on the appearance of Lives proposed
for Assurance. HENRY DESBOROUGH, Secretary.
Cheapside, London, December, 1833.

The Agents for this Company are,—
Liverpool SWAIN SON and HORNBY, 4, Dale-stree
Ditto MAT. WOTHERSPOON, Goree-piazzas.
Appleby Mt. Eddlinson.
Ashton-under-Lyne T Finney.
Blackburn R. Wilding.
Bolton C Briggs.
Burnley and Todmorden T E. Hamerton.
Bury Richard Lomax.
Charley John Latham.
Clitheroe , W. L. Oddey.
Macclesfield R. Turner.
Manchester C and R. Hervey.
Oldham J Duncroft.
Preston Wm. Lancaster.
Rochdale . Jas. Hartley.
Stockport W. Downall.
tilverstone W Postlev.aite.
Warrington . Thos. Leigh.
Wigan J Hilton.

11:51.P.: kf.

PIICENIX FIRE OFFICE, ESTABLISHED 1782.
THE BOARD of DIRECTORS of this Office do hereby
give Notice, that Renewal Receipts for Policies failing
due at Christmas ar. now in the hands of the several Agents.
*** The Agents for this Company, fur the County of Lan-
caster, are
Mr. GEORGE GREEN, Liverpool, Mr. William Tate, lk nchester,
Messrs. T. and J. CnooK, Ditto, Mr. Henry Sharp , Ormskirk,
Mr. Tuos. LANGTON, Ditto, Messrs. T. T. J. B. Jackson,
Mr. Thos. Hill, Ashton and Stay- Prescot,
lev-bridp, Mr. Richard Newsham, Jun.,
Mr. V Townley, Blackburn, Preston.
Mr. John Mawdsley,Bolton, Mr. James Woods, Rochdale,
Mr. Benj. Townson,Burnley, Di r. Stephen Tyson, Ulverston,
Mr. Benj. Crompton, Bury, Mr. Edward Bolton, Warrington,
Messrs. Swainson, Gregson, and Mr. James Bancks, Wigan.
Man, Lancaster,

LONDON UNION ASSURANC ,
Established A. D. 1714.
PERSONS whose FIRE PRENIIUM are payable at
CHRISTMAS are hereby respectful formed, that, for
their own security, the same should be p. i within 15 days from
the 25th instant.
In the Life Department of this long-established Office, the
Premiums for short Periods are lower than in most others, and
for the whole of Life at very equitable rates. In this last, the
Assured participate in Profits, without the least risk of being
liable to make good Losses, as may be the case in Mutual In-
surance Companies, possessing little or no capital ; whereas the
Union has ample Funds invested in Government Securities to
meet every demand; and, as a large septennial Bonus (as is
expected) will be declared in 1831, the Directors confidently
anticipate that the public will perceive it to be their interest to
insure (and also to benefit from the Bonus in 1834) in a Com-
pany combining solid security with handsome Profits.
December, 1633. HENRY HAMER, Agent,
Atherton's-buildings, Dale-street.

NORWICH UNION FIRE INSURANCE SOCIETY.
CAPITAL £500,000.
MHE Public are respectfully reminded, that all Insurances
1 renewable in the Liverpool Agency on the 25th of Decem-
ber must be paid at the Office, Exchange str et West, on or
before the 9th day of January next, or the So ety will cease to
be liable for the sums insured.
FARMING STO
Is Insured FREE of Duty, and at 2s. p cent. premium.
Policies as follows, and without th average clause, are
granted by this Office on Farming Stock, namely,
On Live and Dead Fanning Stock, Utensils, and Implements
of Husbandry, in all or any of the Farm Buildings, and anylany
part of the b'arm.
Policies thus worried secure a FULL indemnity against loss or
damage by Fire within the Sum Insured, which is NOT the case
where the Average Clause is inserted.
R. L. MILLER,
Surveyor of the Northern District.

Treasurers, SAMUEL HOPE, Esq., and Co., Bankers.
<P* The Society's Engine, for the Public Use of the Town of
Liverpool and Neighbourhood, is stationed in Seel-street, oppo-
site the Saw-mill, and
al' The Society's Engine, for the Public Use of Birkenhead
and Neighbourhood, is stationed with Mr. HUGH WILLIAMS, of
Woodside Ferry, who has been appointed Agent for Birkenhead
and its Vicinity.

YORKSHIRE INSURANCE COMPA(Y,
ESTABLISHED AT YORK, IB24.—CAPITA 1500,000.
711-11-1 E RATES of INSURANCE from Fi are as liberal
JL as those of any Office in the Kingdo .
In LIFE Insurances the Rates are t owest ever offered
to the Public, especially for Females.

MALES.
AgetOne Seven 1 Whole
Year. Years. Life.

FEMALES.

One I Seven I Whole
Year. Years. Life.

10 0 15 4 015 8 1 7 61 10 013 8! 014 8 1 5 4
20 0,17 4 018 4 1 14 4 20 017 2 018 4 1 11 6
30 1 010 1 5 6 2 5 0 30 1 1 9 1 210 119 9
40 112 8 116 2 219 9 40 1 5 6 1 7 3 212 0
50 2 3 6 2 6 4 4 1 9 50 1 13 6 1 17 10 313 3
60 310 9 4 8 0 6 6 0 60 218 0 3 9 3 512 6
70 612 4 8 2 3;10 0 4 70 514 6 7 7 8 9 7 7
75 916 011 19 6,13 4 4 75 9 5 611 2 212 8 9
Annuities and Reversions purchased, and Annuities granted,
FARMING STOCK Insured at 2s. per Cent. Premium,
without any average clause or duty.

IN SURANCES falling due the 25th December, should be
renewed within fifteen days from that date.
Mr. LATHAM HANMER, Jun., Agent,
18, Exchange-buildings, Liverpool.

THE UNITED KINGDOM LIFE INSURANCE
COMPANY.
TO BE ESTABLISHED BY ACT OF PARLIAMENT.
Capital—ONE MILLION,
IN £50,000 SHARES OF £2O EACH.
HONORARY PRESIDENTS.
Lord Viscount Glandine.
Lord Elphinstone.
Lord Belhaven and Stenton.
Sir J. H. Dairy iriple, Bart. ALP
'TORS.

Earl of Errol.
Earl of Courtown.
Lord Viscount Falkland.
Lord Viscount Eastnor.
DIRE
Wm. A. Mackinnon, Esq., Chairman.
Major-General John Shaw, Deputy-Chairman.
Captain Edwd. Stopford, R.N. Charles Graham, Esq.
Charles Downes, Esq. Alexander Balmanno, Esq.
C. J. W. Ellis, Esq. Edward Boyd, Esq. Residen
James Stuart, Esq. John Ritchie, Esq.
N. P. Levi, Esq. George Huntly Gordon, Esq.
Samuel Anderson, Esq. Fred. Charles Maitland, Esq.
William Plasket, Esq. Ralph Watson, Esq.
John Christian Curwen Boyd, Esq. Secretary.
Messrs. Cocks, Biddulph, and Biddulph, Bankers, Charing-cross
Frederick Hale Thomson, Esq. Surgeon, 15, New Cavendish.

street.
Messrs. Macdougall and Bainbrigge, Solicitors, 46, Parliamen

street.
universal success which has hitherto attended all Life
1_ Insurance Companies, renders it unnecessary to enlarge
upon the numerous advantages held out by such Establishments
for the investment of Capital, as well as the benefits arising to
all classes of the community. If au example were, however,
requisite, it would be sumcieut to quote tio r.oaat appropria-
tion of profits, amounting to nearly Two Millions sPerling, by
an Office established little more than twenty-five ears, whose
original called up Capital was only £lOO,OOO, t Directors do
not therefore contemplate calling up more th £2 per Share,
which will form an ample fund for condu in the business.
In order to make this Establishment a enerally beneficial
throughout the United Kingdom as po • le, the Directors
have divided the Stock into very small Shares, so as to suit the
convenience of persons in every situation of life; and as it pro-
poses to embody in its regulations all that has been advanta-
geous to other Societies, and to offer to the public a revised
scale of premiums more generally suited to the interest of the
Proprietors and the Assured, it is presumed there cannot be
found a better investment of Capital than in the purchase of
Stock in this Company.
It is intended, from the commencement of business, to pay
the Proprietors interest, at the rate of four per cent. per annum,
on their deposits half-yearly; and, as an inducement for them
to bring Insurances to the office, a higher rate of interest will
be allowed to those who do so; but the Directors feel assured
that, independent of this consideration, each Proprietor will
exert his influence to augment the business of the Company,
which will ultimately tend to enhance the value of his own
Stock by increasing the amount of the dividends from time to
time.

For the convenience of parties residing in the country, they
may receive their half-yearly dividends from the Bankers
nearest to their residence, by merely advising the Secretary of
the name of such Banker's London correspondent, and autho-
rising him to sign the requisite receipt.
The profits of the Company are to be divided periodically, at
intervals of not less than five years, and not exceeding seven
years: two-thirds to belong to the Assured and one-third to the
Proprietors.
It is intended by the Directors to apply for an Act of Par-
liament constituting the Company; but, in the mean time, all
Shares subscribed for are to lie subject to such rules and regu-
lations as the present or future Directors may deem prudent
for the good of the Company, and the Diiectors shall have the
power of commencing business on the Ist of January, 1834, or
whenever they may deem it expedient.
The affairs of the Company are to be conducted by a Board
of Direction, consisting of at least twelve, and not exceeding
sixteen Directors, a Resident Director, and a Secretary, who
shall remain in office until the first division of profits, when
four Directors of'the active Board shall retire by lot, but be
eligible to be re-elected ; and annually thereafter the same
number of Directors shall retire, until all the first Directors
shall have so retired, and afterwards four Directors shall re-
tire by seniority, Any vacancy in the Direction occurring
by death or resignation previously to the first division of
profits, the same shall be filled up by the Board of Directors,
and the new Director so chosen shall remain in office according
to the seniority held by his predecessor.
The Managing Director and Secretary to remain in office as
long after the first division of profits as they give satisfaction
to the Directors, who are to have the power of appointment to
these offices when a vacancy occurs.
The present Directors shall name three Auditors, who shall
investigate quarterly, and report annually to the Proprietors
the state of the Company's affairs, when one of the Auditors
shall retire, but be eligible to be re-elected.
The power of re-electing shall be in the Shareholders who
have held shares at least twelve months previously, viz.
10 Shares to be entitled to One vote.
20 ditto ditto Two votes.
50 ditto ditto Three votes-
-100 ditto ditto Four votes.

The qualification of a Director and Auditor shall be the
possession of not less than fiftz shares, held for twelve months
previous to election, after the Company shall have been twelve
months established.

Shares may be had on application by letter, post paid, to the
Secretary, J. C. C:BOTD, Esq., care of Messrs. Cocks, Bin-
mugs, and BIDDULPH, Bankers, Charing-cross; JAMES
BuovvN, Esq., 4, Austin-friars; CHARLES DOWNES, Esq., 8,
Carlton-chambers, Regent-street; or Messrs. MacnouGALL
and BAINBRIGGE, Solicitors to the Company, 46, Parliament-
street. Also to Mr. HEBBLEWHITE, 65, Church-street; or to
Messrs. Was. SMITH and SoNs, 6, Exchange-buildings, Liver-
pool.
As a great many Shares are already appropriated, early ap-
plications are requested.