The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-05-23 00:00:00

ANNUAL PREMIUM:

Age2o I Age2s I Age3o

Age g Age4s AgesO'Agess
s Tr.d. Ted.
117 9 2 31) 721623593 16 2 4 10 6,5 76

INDIA.

The Society also grants Policies to parties proceeding to, or
residing in India, at lower rates than any other Office, the Pre-
miums on which may be payable either in London or at the
Society's Office in Calcutta.

Ann'jiffies of all kinds, as well as Endowments for Children,
are granted by the Society.
The usual Commission allowed to Solicitors and others.
JOHN CAZENOVE, Secretary.
AGENTS FOR LIVERFOOL :
Messrs. CAZENOVE, TAUNTON, and MOLYNEUX,
Peters' Chambers, Rumford-street

PALLADIUM LIFE .
Establisl

SSURANCE SOCIETY.
led 1824.

DIRECTORS.
Sir John Barrow, Bart., F.R.S. Henry Harvey, Esq., F.R.S.
Capt. Chas. J. Bosanquet,R.N. Right Hon. Sir T. Fremantle,
Robert Cheere, Esq. Bart.
Patrick Colquhoun,Esq. LL.D. James Murray, Esq.
Charles Elliott, Esq., F.R.S. Phili e, Esq.
Joseph Esdalle, Esq. uel Skinner. Esq.
Wm. A. Guy, MM.
Physician— Thompson, M.D.
Secretary and nary—Jeremiah Lodge, Esq.

- - -
e NEW RATES OF EMIUM.—The Directors of this So-
ciety, with the vie f meeting the wishes of the large class of
persons who pr er the present advantages of reduced pre-
miums to a prospective bonus in the shape of an addition to
their policies, have constructed a new scale, based on the
safest and most approved data, viz.: the experience tables
recently compiled by a committee of actuaries, from the re-
cords of seventeen of the leading London offices.
The Society now offers the following advantages :
The lowest scale of premium which can be safely adopted.
EXAMPLE TO ASSURE RICO.
Jaf,,G. I il.ll •JLIC 11.,.." • , t.. 73.-n.....,...... ~........,.. , -v. .... • • IaVIG LUC.

20 I
40 .£6l
12 5 18 1 14
10 6 9 I £l2
18 7
13 1
30 0 18 5 0 19 6 2 2 10
1

Other ages at proportionate rates.
Undoubted security, guaranteed by a large capital ; an influ-
ential proprietary; the long. standing of the office; and the
satisfactory results of its business.
Facility in the settlement of claims.
Liberty to travel in any part of Europe, without extra pre-
mium. _ _ _

Loans equivalent to the value of the policies.
To those who desire to secure the advantages of a prospec-
tive bonus by a small additional outlay, the deed of settlement
assigns four-fifths of the profits.
Bonuses may be commuted for equivalent redactions of pre-
mium at the option of the assured, by which arrangement the
amount originally assured may be kept up at a continually
decreasing cost.
Assurances effected on joint as well as on single live's, for
short terms or otherwise, and to meet any specified contin-
gency.
Premiums may be paid in one sum, or in any other equitable
manner to meet the convenience of the public.
The age of the life assured is admitted on the policy at the
time of effecting the assurance, or at any other time, on pro-
duction of satisfactory proof.
Every information and assistance will be given to assurers,
either at the Offices, No. 7, Waterloo-place, London ; or by the
Society's Agents estab,ished in all principal towns.
AGENT AT LIVERPOOL—
S. TONIKINSON, 7. Exchange-chambers.

THE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.
ES7'ABLISHED IN 1836.
EMPOWERED BY ACT OF PARLIAMENT.

OFFICES :
8, WATER-STREET, LIVERPOOL,
CHARLOTTE-ROW, MANSION-HOUSE, LONDON.

The Directors beg to acknowledge the steadily increasing
support which this Institution experiences, and to assure the
Public that, whilst the numerous and . lthy Proprietary
enables them to offer most ample sec y for the fulfilment of
the Company's engagements, tl confidence and preference
manifested towards it shall be t, as heretofore, by strenuous
endeavours to facilitate t despatch of business, and by
liberality and promptit n in the settlement of claims.
BY THE. FIRST A OF PARLIAMENT obtained by the
Company it is ex .'sly conditioned that the liability of the
Shareholders un er the policies shall not be restricted by
special contract or otherwise.
INSURANCES AGAINST FIRE
_ _

Are und.rtaken on Property of every description in the United
Kingdom, the British Colonies, and in Foreign Countries; the
Rates of Premium may It! known on aßplication.

LIFE INSURANCE.

The Directors continue to receive proposals for the sale and
purchase of Annuities, Endowments, Reversions and contingent
Interests, and for Insurances on laves. 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 PREMII7MS, ONE LOWER THAN THOSE OF
MOST OTHER COMPANIES; the other carrying GUARANTEED
AUDITIONS, or entitling 10 GUARANTEED 'lntim:no:Ks in the
FUTURE PREMIUMS, on a plan entirely new and peculiar to
this Institution. _
_ _ _

Specimen of the Rates for an
Life, and of the Reduced
the Bonus Scale:—

Age
when
lusnred

For whole of Life,
Without Bonus.

Yearly. I Half do,

insurance of .tlOO on a Single
Yetnhan of Policies taken out on

Reduced
With Bonus. !PreMium
instead of
Yearly. Half do. ! Bonus.

es.d. ' £s. d. .e s. d. .t" s. d. .-e s. d.
30 2 2 6 1 111 2 9 5 1 5 6 1 12 9
35 2 8 6 1 5 0 216 5 1 9 1 117 4
40 216 3 I 1 9 0 3 5 5 113 8 2 2 9
45 3 6 4 i 114 2 517 2 119 9; 210 0
50 3 19 8 I 2 1 0 412 7 1 2 7 9 1 219 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 1 .By the addition of the further
Age ,-, I Then Decennial Bonus, the amount
when Dorms 1
„„ , Annual payable in case of death will
Insured after l'''' I Bonus. be,--after
Payments,
!20 Years. 30 Years. 40 Years.
: - - -
.t" 5... 1
d. .e s. d. : .t,' s. d. .e s. d .t' s. 61.
30 90 8 4 9 010 1271 5 0 1549 10 C 1004 3 4
35 94 11 8 9 9 2 1283 15 0 1367 10 C 1945 16 8
40 101 13 4 10 3 4 1305 0 0 1610 0 0 2000 0 0
45 1107 1 8 10 14 2 1321 6 0 1642 10 C 2000 0 0
50 !116 13 4 ll 13 4. 1350 0 0,1700 0 0 2000 0 0

The ScAt.r. of RunucTioNs which are guaranteed ranges
from to 52 per cent. on the amocnt of Premium, and the
Bonus cintingent only on the continuance of the life doubles
the amount of Policy.

--ifof.TAntLiTy of. Partnership, these reductions and addi-
tions not being contingent upon Profits.
POI:1CM are issued for the Half Premium system, and on
an ascending scale. '

---SURRENDIMS of Pol.:ems are accepted on very liberal
terms; and claims are paid withit. three months after satis-
factory proof of death.
INSURANCE OF CAPITAL SUMS.
The Directors are prepared to receive applications for Poli-
cies, which, thmtgli available for many other purposes as well,
will have the effect of rendering Property held under Lease for
years ermivaleut to Freellol for all purposes of mortgages or
investment. The foliowin.. Tahl,. will afford •
.".:pecivtens of the Preminnr,for the Insurance of ..elooo,payable
after the lapse of a given nittnber of years.
Years. I Rate. Years. I Rate. Years. I - Rate.

tt.71.1-
115 8 80

s. d.
610 0 40

.e s. d.
13 17 6

ActsNC: ES.-1 he Direczots are prepared to receive applica•
tions for Ag?ncies in Towns and districts in which appoint-
ments have +tot yet been made. No apylication will be attended
to unless accompanied with unexceptionable references.
SWINTON BOULT. Secretary to the Company.
BENJ. II ENDERWN, Resident Secretory in London,