The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-08-01 00:00:00

'.;nstiranre ottrcO.

-ECONOMIC LIFE ASSURANCE SOCIETY,
NO. 6, NEW-BRIDGE-STREET, BLACKFRIARS,
LONDON.
ESTABLISHED 1823.
Empowered by Act of Parliament, 3 William IV.

DIRECTORS.
The Right Hon. Sir THOS. FRANKLAND LEWIS, Bart., M.P.,
Chairman.
HENRY FRED. STEPHENSON. Esq., Deputy-Chairman.

AGENTS FOR LIVERPOOL—T. 0. COO aria SON.
MEDICAL REFEREE FOR LIVERPOO . OBERTSON,M.D.
Society
The
:following are among advantages offered by this
LOWER RATES of Pr ium than those of any other Office
which entitlethe ass dto participate in the profits, and con-
siderably lower th those of any other 3.latual Assurance ,So-
ciety.
4o Paorni .TARY participate in the profits, the WHOLE be-
ing divisable among the Assured.
A BONUS is added, after the payment of the Fifth Annual
Premium, to every Policy effectedon the participating Scale, if
a claim accrue thereon prior to the next division of profits.
The first Bonus, in 1834, averaged per cent. on the Pre-
miums paid.
The second ditto, 1839, ditto .t3l ditto since the Ist
division. _ .

The third ditto, 1814, ditto ditto since the 2d
division.
-•

Prospectuses and full particulars may be obtained on appli-
cation to the following Agents :
By order of the Directors,
T. 0. COOPER. and SON. 7, Rumford-street, Liverpool.
Warrington Mr. Edward West.
Wigan Mr. Joseph Darlington.
Bolton Henry Glover, Esq.
Blackburn Mr. T. B. Chadwick.
Manchester Thomas Michael Baines, Esq., 5, Cromford-
court, Market-street.

For whole of Life,
Without Bonus.

Yearly.

Half do,

AF s. d. JE' S. d.
2 2 6 1 1 11
286 1 5 0
216 3 1 9 0
3 6 4 114 2
319 8 2 1 0

Specimen of the Addition to the Sums Insured in the case of
Policies of £l,OOO each, to be taken out at the Bonus
Premiums.
First 1 By the addition of the further
Age Bonus I Then Decennial Bonus, thd amount
when Annual payable in case of death will
Insuredlnsm. after Ten Bonus. be,—after_
Payments 20 Years. 30 Years. 40 Years.
s. d. s. d. s. d. s. d. £ s. d.
30 90 8 4 9 0 10 1271 5 0 1542 10 C 1904 3 4
35 94 11 8 99 2 11283 15 0 1567 10 C 1945 16 8
40 101 13 4 10 3 4 1305 0 0 1610 0 0 2000 0 0
45 107 1 8 10 14 2 1321 5 011642 10 0 2000 0 0
50 116 13 4 11 13 4 1350 0 o[l7oo 0 0 2000 0 0

The SCALE of REDEcTioNs which are guaranteed ranges
from 3.3 A to 52 per cent. on the amount of Premium, and the
Bonus contingent only on the continuance of the life doubles
the amount of Policy.
No LIABILITY of Partnership, these reductions and addi-
tions not being contingent upon Profits.
POLICIES are issued for the Half Premium system, and on
an ascending scale.
SURRENDERS of POLICIES are accepted on very liberal
terms; and claims are paid within three months after satis-
factory proof of death.
INSURANCE OF CAPrk'AL SUMS.

The Directors are prepared to receive applications for Poli-
ciesi which, though available for many other purposes as well,
will have the effect ot• rendering Property held under Lease for
years equivalent to Freehold for all puriloses•of mortgages or
investment. The following Table will afford
Xpecimens of the Premium for the Lisurance of £looo,payable
after• the lapse of a given nomber of •years.

Years. I Rate. 1 Years.

. (1. ~€ s d
610 0 40 I 1 17 6.

AGENciEs.—The Directors are prepared to receive applica.
tions for Agencies in Towns and districts in which nppGint-
ments haye not yet been made. No application will be attended
to unless accompanied with unexceptionable references.
SWINTON BOULT, Secretary to the Company.
BENJ. HENDERSON, Resident Secretary in London.

Ensttraitre flotires.

TILE LIVERPOOL STANDARD.

that they can fulfil the duties of good landlords; with a
nominal rental of some thousands a-year, and not as many
hundreds to spend, it is in vain that they struggle to sup-
port the station which their estate, if unencumbered,
would enable them to uphold. The effort is as injurious
to themselves as to the country ; they are perpetually in-
volved in debt and legal difficulties, while their exigencies
oblige them to accept the highest rent they can get offered
for their lands, without any selection as to the character
of their tenantry, or any ability to assist them. They are
absolutely unable to erect upon their farms the dwelling-
houses and offices, fences, &c., which should always be
constructed by the landlord, as is universally done in Eng-
land and Scotland, in order that the capital of the tenant
may be applied undiminished to the land ; and they are
unable, from want of capital themselves, to advance one
jot the agriculture of their estates, either by example or
instruction, by practical farming, by schools, or any other
means: Very many of our gentry would gladly divest
themselves of the endless litigation and embarrassments
which the cloud of charges upon their estates, mortgages,
judgments, annuities, jointures, imposes on them—the
very law costs connected with these charges, together with
the costs of enforcing the rents of a large rack-rented pro-
perty, to meet these various and overwhelming demands,
wholly at sorbs the wretched remnant of their estate which
is left to them—but it is impossible to bring such an estate
as this to a sale by any process now available—a bill in
Chancery must be filed, all these eneumbrancers must be
made parties to the suit—they are scattered over various
quarters of the world, yet they must be served with notice
of the proceedings—they die in the progress of the suit,
and bills of reviver must be filed to bring their represen-
tatives before the court. Any one at all familiar with
legal proceedings in this country knows well that there
are many causes which have been given up by successive
solicitors in despair, from the perfect impossibility of get-
ting a perfect suit ; and in many other cases the suit has
continued in existence for upwards of half a century.