The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1843-11-07 00:00:00

Co I) Krt.

TO be LET, at Seaeombe, a neat COTTAGE, FUR-
NISHED or UNFURNISHED, fronting the River,
pleasantly situated, and about three minutes' walk from
the Ferry.

Apply to STRINGER and MANN, Seel-street, Liverpool

TO be LET, a well-accustomed Licensed PUBLIC-
HOUSE, in a densely populated neighbourhood,
doing a good Trade, and to be parted with solely on ac-
count of the death of the late occupier. Rent and
Coming-in moderate.

Apply to EDWARD SMITH, 34, Comus-street

iiiisttranrr t irrO.

ROYAL FARMERS' AND GENERAL FIRE AND
LIFE INSURANCE INSTITUTION.
EMPOWERED BY SPECIAL ACT OF PARLIAMENT.
CAPITAL, .4'500,000.

OFFICES, STRAND, LONDON.

HONORARY
Duke of Rutland, K.G.
The Earl of Stamford and

DIRECTORS.
Viscount Torrington
Viscount Campden.
Lord Rayleigh.
Lord Feversham.
Lord Stanley, M.P.

Warrington.
Earl of Stradbroke,

Earl Ducie

Earl of Stair,

And Seventy-two other lqembers of Parliament and
Gentlemen.
THE Proprietary of this Company exceeds 1960 in
number.

The share of Public Favour this Institution has obtained
proves the appreciation of its system by a numerous body
of insurers.

Every kind of Life Insurance, of Deferred and Imme-
diate Annuities, and of Endowments for Children, may
be accomplished at this Office on terms as low as is con-
sistent with security.
A Dividend of Four per Cent. is now in course of pay-
ment to the shareholders in this office. A BONUS of
one-half the profits on LIFE POLICIES held by Share-
holders, and effected since the Ist January, 1843, will be
given at the end of every Five Years, by addition to the
sum assured, or by reduction of premium. In order to
insure the benefit of the first quinquennial division, Po-
licies must be effected before the Ist January, 1844.
Detailed Prospectuses may be obtained at the Office, or
will be forwarded, post free, upon application.
In the Fire Department, Insurances are effected at the
lowest rates. The usual Commission to Solicitors.
Agents are appointed in all the Principal Towns in the
Kingdom, and where Agents are not appointed, persons
in active life, and desirous of being appointed, may apply
to W. SHAW, Managing Director.

DISEASED AND HEALTHY LIVES ASSURED

MEDICAL,
INVALID, AND GENERAL LIFE OFFICE,
25, PALL MALL, LONDON.
CAPITAL, £500,000.
THIS Office is provided with very accurately constructed
1 Tables, by which it can ASSURE DISEASED LIVES
on Equitable Terms.
The Extra Premium discontinued on restoration of the
Assured to permanent health.

Larger Annuities granted on unsound, than on sound
Lives, the Premium being equal; or an equal Annuity
for a smaller Premium, the amount varying with the
particular disease. This advantage in favour of Invalids
is not conceded by other Offices.

Members of CONSUMPTIVE FAMILIES assured at Equi-
table Rates.

HEALTHY LIVES are Assured at Lower Rates than at
most other Offices.

Policies of twelve months' standing are not affected by
Suicide, Duelling, 8(c. ; and Assigned Policies are valid
from the date of the Policy, should death ensue from any
of these causes. F. G. P. NEISON, Actuary.

LIVERPOOL AGENTS:
OCTAVIUS WATERHOUSE, 1, Oldhall-street.
A. HIGGINSON, Esq., 1, Mornington Terrace.

DISTRICT AGENTS :
Blackburn—Mr. J. Parkinson, Chemist, 1, Church-street.
Bolton-le-Moors—J. Taylor, Esq., Coroner.
Carlisle—John Reed Donald, Esq., Solicitor.
Clitheroe—James Garstang, Esq., Surgeon.
Lancaster—Mr. Y. Welch, Sharebroker, Penny-street.
Leeds—Messrs. J. and H. Richardson, Solicitors.
J. Beetham, Esq., 3, Cross-street, Market-
Manchester{ street, and Mr. C. Pennington, 70, Hard-
man-street, Deansgate.
Newcastle-on-Tyne—Anthony Atkinson and Co., 43,
Sandhill.

P enrith —S. Evens, Esq., Cumberland Union Bank.
Preston—W. 0. Jones, Esq., 25, Frenchwood-street.
Rot herham—W m. Fretwell Hoyle, Esq., Solicitor.
Sheffield—Mr. W. Spencer, Accountant, Fargate.
Stockton-on-Tees—Mr. J. R. Harding, Chemist, High-
street.

SCOTTISH (WIDOWS' FUND) LIFE ASSURANCE,
FOUNDED A.D. 1815,
UPON THE PRINCIPLE OF MUTUAL CONTRIBUTION.

CONSTITUTED BY ACT OF PARLIAMENT.
THE WHOLE SURPLUS FUNDS which remain after
making provision for the claims of the Society, BE-
LONG TO THE ASSURED.
At 31st December, 1838, it was ascertained on investiga-
tion, that the Surplus Fund amounted to very nearly
£280,000,
And it was sufficient to enable the Directors, after setting
aside upwards of £90,000, AS A GUARANTEE FUND,
to declare and provide for the following additions :

1. An addition at the rate of Two per Cent. per annum,
for the period from 31st December, 1831, or 14 per
Cent. on the accumulated amount of the original
Sum assured, and the previously declared addi-
tions ; or about 19 per Cent. on the Capital Sum
assured by the early Policy holders.
And in order to provide for the case of those
parties who may die before 31st December,
1845, when the next investigation and decla-
ration of Surplus is made, there was provided
further,
2. An addition at the rate of Two per Cent. per annum,
on the accumulated amount of the original Assur-
ance, and previously declared additions, for each
Premium that may be paid after 31st December,
]B3B, provided the party die before 31st December,
1845, having been insured at least five years, this
addition, supposing the case of a party insured in
the early years of the Society's existence, to die
after payment of the premium for the year 1845
would be for the seven years from 31st December,
1838, to 31st December, 1845, upwards of 21 per
Cent. on the original Assurance.
Thus if a party aged 20 bad assured for £lOOO in the year
1818, and were to die after payment of the premium for
1845, being then aged 47, his representatives would get
no less than £lBO9 Ss. 7d.
If he had assured in 1825, when 27, and died at 47, they
would be then entitled to £1436 Is. 2d.
If he had assured in 1830, when 32, and died at 47, they
would be entitled to £1338 lls. 9d.
The proportion of the Surplus Fund allocated to each Po
licy, may be applied towards REDUCTION OF THE FU-
TURE PREMIUMS, and if desired,
The party may BORROW UPON THE SECURITY OF HIS
POLICY, to the extent of nine-tenths of the value (not
the amount.)

CAPITAL ACCUMULATED AND INVESTED,
UPWARDS OF
ONE MILLION THREE HUNDRED THOUSAND
POUNDS.
ANNUAL REVENUE UPWARDS OF
TWO HUNDRED THOUSAND POUNDS.
HEAD OFFICE, EDINBURGH,
5, ST. ANDREW-SQUARE.
JOHN MACKENZIE, Manager.

BELL, GOULDIE. and Co., Exchange-place
Agents for Liverpool.