The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1845-09-09 00:00:00

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vescx•r,,,,as.--,esLat,,,,,firs-A.ftsiewatig a.,.
PROVISIONALLY REGISTERED. Policy, at the rate
SOVEREIGN LIFE ASSURANCE COMPANY, Assurance, attowl
H
No. 5, ST. JAES'S-STREET, LONDON, thus. Lo
ans,
Lo
securingh
t e t
wit
li
w
To be established by Act of Parliament, Loan proposed I
FOR THE ASSURANCE OF LIVES, occasion to avail t
And for effecting all other Contracts depending upon The profits of
Life Contingencies ' • and also t_los.— classes of rnembt
GRANTING LOAC , assured. The pre.
Upon a new and highly be cial system. and the policies co
CAPITAL, £1,000,000, i 0,000 Shares of £lO each. proportion of the
unconnected with
DEPOSIT 1 10s. per Share. Shareholders for 1
NOTE.—In pursuanc f the Act of Parliament, 103. per of need, the pay
Cent. only (or . per S'iare) will he received until after paying inte
the Company tains a Certificate of complete Regis • Company, be di,
tration, when notice will be given for the payment of the Company. 1
the residue of the Deposit, and the Company will corn- the Assurance I
mence its operations. will be divided
effecting Assuran
TRUSTEES. the liquidation (
The Right Hon. Lord Rossmore. out to the Shareli
Sir Augustus Brydges Henniker, Bart., Hawley, Stow- capital invested ii
market, Suffolk. neration ; as also
Thmjarnin Bond Cabbeli, Esq., F.R.S., F.S.A., Portland- in the profits ar
place. which must nece.
Henry Pownall, Esq., Russell-square, and Spring-grove, Policies into the
lsleworth. dation of the Lc
Claude Edward Scott, Esq., Cavendish-square. Assured, also, wi
PROVISIONAL DIRECTORS. guarantee Capit,
Lord Arthur Lennox, M.P., Chesham-place, Belgrave- pang.
square. Subjoined are
The Right Hon. Lord Macdonald. constructed by e:
Henry Broadwood, Esq., M. 1"., Whitehall. of this Company
Thomas Colpitts Granger, Esq., M.P., Temple. TA
Charles Farebrother, Esq., Alderman, Lancaster-place.
A Table of Peer
John Ashburner, Esq., M.D., Wimpole-street.
William Tulloh Fraser, Esq., Manchester-square.
John Gardiner, Esq., Avenue-road, Regent's-park. WITH
Alexander Ogilvie, Esq., Northumberland-street. PROFITS.
(With power to add to their number.)
AUDITORS. Age Annual
James Fraser, Esq., Park-square West, Regent's-park. next Premium
James Gernon, Esq., Conduit-street. Birth- for the
William Wallace, Esq., Austin-friars. day. whole of
Edward Watson, Esq., St. Helen's-place. Life.
BANKERS.
Messrs. Sir Claude Scott, Bart. & Co., Cavendish-square. £ a. d.
STANDING COUNSEL. 20 2 0 1
Mr. Serjeant Manning, Serjeants' Inn. *25 *2 5 5
W. H. Rough, Esq., Middle Temple. 30 211 8
messrs. Davies and SoW,WtirWrck•street, Regent-street. 40 3 8 8
CONSULTING PHYSICIAN. 45 4 0 9
John Power, Esq., M.D., Great Queen-st., Westminster. 50 417 3
MEDICAL REFEREES. 55 6 1 3
Edward Duke Moore, Esq , Arlington-street. 60 714 0
Francis Graydon Johnston, Esq., Saville-row. * EXAMPLE.—A
CONSULTING ACTUARY. fits, payable at hie
J. J. Sylvester, Esq., M.A., F.R.S. or, without partic
SECRETARY. of .42 :s. gd.
George Cumming, Esq.
THIS Company will transact all the usual business of Premiums for
Assurance Companies, and in so doing will take like amount o
advantage of the modern improvements which have been of years; th
engrafted into the systems of Assurance, the result of Polley durim
the long-tested experience of old-established Offices for lion, of the I
the Assurance of Lives. Age
Thus, Assurances will be granted upon the payment of next In Five
one single Premium, or of Annual Premiums, or upon a Birth- -Years.
limited number of payments, on a gradually decreasing day.
or increasing scale, all of which payments may be made
half-yearly, or quarterly, if more convenient. £ s. d
Assurances will likewise be granted from £5,000 down- 20 20 5 1
wards to any amount, thus opening the door of Assurance *25 20 11
to many persons who have hitherto found it inaccessible. 30 20 16
The Company will also undertake the purchasing of 35 21 5
contingent and reversionary Property, the granting of 40 21 14
immediate Survivorships and Deferred Annuities, as, , 45 22 6
also, the endowment of Widows and Children. It will, 50 23 3
likewise, advance money on annuity, mortgage, or other 55 24 7
Security. 60 , 25 19 1

The 'multifarious operations connected with Life Assu-
rance ; for instance, the opportunities afforded to Hus-
bands and Fathers of making a provision, after their
death, for their Widows and Children ; to Creditors, to

compensate the loss whic
might occasion ; in Mart

the death of their Debtors
ge Contracts, to secure the

terms of Si

tlernent ; to the

ssessors of Entailed Es-
nr branches of their fami-
lies ; to persons possessed of Life interest in Pioperty, to

to provide for the you

Policy, at the rate of Premium, in respect of their Life
Assurance, at which the Policy was originally granted ;
thus securing to those who effect Assurances unconnected
with Loans, the whole of the advantages of the system of
Loan proposed by this Company, whenever they have
occasion to avail themselves of it.
The profits of the Company will appertain to two
classes of members—the proprietors of shares, and the
assured. The profits arising from the Loan Department,
and the policies connected therewith, together xith a small
proportion of the profits arising out of the Assurances
unconnected with Loans (by way of remuneration to the
Shareholders for guaranteeing out of their capital, in case
of need, the payment of Assurances falling due), will,
after paying interest upon the paid-up Capital of the
Company, be divided amongst the holders of shares in
the Company. Three-fourths of the profits arising from
the Assurance Department, unconnected with Loans,
will be divided amongst the parties, either originally
effecting Assurances, or who shall hold Assurances after
the liquidation of their Loans. This distribution holds
out to the Shareholder, in addition to interest upon the
capital invested in shares, the prospect of a large remu-
neration; as also to the assured, an ample participation
in the profits arising from the payment of premiums ;
which must necessarily be augmented, by the falling in of
Policies into the Assurance Department, after the liqui-
dation of the Leans originally granted upon them. The
Assured, also, will have the security of a large subscribed
guarantee Capital, to meet their claims upon the Com-
pany.
Subjoined are specimens of the Tables which have been
constructed by experienced Actuaries for the express use
of this Company.

TABLE I.—ASSURANCES.
A Table of Premiums for Assuring £lOO for the whole
term of Life.

WITHOUT PARTICIPATION IN
PROFITS.

Age Annual Annual i Annual
next Premium Premium Premium For For
Birth- for the for the for Five One
day. whole of whole of Seven Years. Year.
Life. Life. Years.

£s. d. s. d. £s. d. s. d. I£s. d.
2 0 1 116 11 1 1 8 1 1 1 1 0 1
2 5 5 *2 1 9 1 4 7 1 4 0 1 210
,2 11 8 2 7 5 1 711 1 7 3 1 6 0
or rs 1.0 c, oma e 111 O 11n tt 1 n et
40 3 8 8 3 3 0 116 0 115 2 113 6
45 4 0 9 314 2 2 0111119 11 118 0
50 417 3 4 9 61 2 8 0, 2 5 4 2 3 1
55 6 1 3 511 5I 3 8 !3 3 3 213 6
60 714 0, 7 1 514 19 4 412 6 319 10

* EXAMPLE.--A person aged 25 may assure £lOO with Pro
fits, payable at his death, by the annual payment of £2 ss. 5d.;
or, without participating in the Profits, by an annual payment
of 42 :s. gcl.

TABLE IL-LOANS

Premiums for Assuring £lOO, and for paying off the
like amount of Principal bo-rotved, in a given number
of years; the Borrower retaining an Interest in the
Policy during the continuance, and after the liquida-
tion, of the Loan.

Ten Fifteen Twenty
Years. Years. Years.

X s. d. £ s. £ s. d. X s. d. s. d.
20 5 117 14 13 61 10 9 6 7 4 6 512 4
20 11 3, 14 18 101 10 14 10 *7 9 10 5 17 8
20 16 6 15 5 11 H 1 1 7 16 0 6 311
21 5 01 15 12 711 8 7 8 3 7 611 5
21 14 61 16 2 11 11 18 1 813 1 7 011
22 6 71 16 14 a 12 10 2 9 5 2 7 13 0
23 3 11 17 10 8, 13 6 8 10 1 8 8 9 6
24 7 11 18 14 8, 14 10 8 11 5 8 9 13 6
25 19 10, 20 7 51 16 3 5 12 18 511 6 3

farmers and landoNiners that Sir Robert Peel is
prepared to repeal the corn laws. See if we are
mistaken

IMPORTANT STEP OF THE EARL OF WIN-
CHELSEA AND NOTTINGHAM.
It is a sign of the times truly portentous when we see
men of unblemished patriotism, like the above illustri-
ous nobleman, compelled to retire into a private station,
rather than retain dignities and employments which they
fear, under such an administration as the present, it may
bring them into the surrender of their political consis-
tency and independence to retain. Such a step has just
been taken by the Earl of Winchelsea, in the resignation
of the Deputy Lieutenancies and of the Commission of
the Peace for the counties of Kent, Northampton, and
Lincoln. The following is the reason which his Lord-
ship assigns, in conveying his determination to the proper
authorities, for the step in question :
" Regarding as I do the coaduct of her Majesty's Mi-
nisters in their late dismissal of Mr. Watson to be of a
most arbitrary and unjust character, I cannot subject my-
self to a similar treatment in the course which I may deem
it my duty to pursue in advocating those great Protestant
principles, which are, in my estimation, beyond all
earthly value."
It is greatly to be regretted that such men as the noble
Earl—men who have stood by the good cause in its days
of peril, and upon whose shoulders the statesmen now at
the bead of affairs have been able to climb into power, to
conserve, not destroy, the constitution—should thus one
by one be driven in disgust from their legitimate position
in our social constitution ; and it is more so when we find
their value admitted so frankly as that of the Earl of Win-
chelsea is admitted, in the reply to one of his letters, by
the Earl of Exeter.
" I cannot," writes the nobleman in question, "but
express my deep regret that your feelings in consequence
of the removal of Mr. Watson from the commission of
the peace in Ireland, should have induced you to resign
an office to which you are so fully entitled, on acOczynes;
your high oharacter and rank, as well as
in the county." the feelings, and will
The country will sympa3ijficy,which thus impels good
be bitterly indignaptus,
feel it a shame and a disgrace to
men and lovpol tintry in the sphere where they have so
BFEY.I their usefulness and value, and leave it only within
the power of time-servers and trucklers to maintain office
under the Crown.

THE LIVERPOOL HEALTH OF THE TOWN

ADVOCATE

We gladly welcome the appearance of a publication
under the above title, conducted by the gentlemen con-
nected with the Liverpool Branch of the Health of Towns
Association. It is in the power of these gentlemen, by
such a publication, to effect infinite good for their fellow-
townsmen ; and we only regret to observe that in this,
their first number, they appear to be unaware of the pro-
gress which the cause they have in hand has made already.
We do not need now to have brought before the notice of
the public the importance of attention to sanatory regula-
tions, or philosophical or even medical disquisitions on the
causes of disease in our town. We want to see our local
evils boldly grappled with, by men whose opinions, as
founded upon experience and medical knowledge, will be
listened to with attention by our authorities and the public
at large.
Perhaps, we may not be out of order in suggesting to
the Health of Towns Association a direction in which
they may very advantageously to the public direct their
attention and their remarks. We allude to the wretched
habitations now erecting in every part of the outskirts for
the labouring and other classes. We examined a lot of
these buildings the other day, which are rising up to defile
a once beautiful and favourite part of our town, and which,
by the way, it is a shame was ever permitted to be dealt
with otherwise than by being laid out in ornamental walks
and grounds for public health and recreation. The houses
in question we found erecting without the slightest attempt
at drainage, although running up the face of a brow, and
on land, necessarily liable to receive the damps
flowir.g from the higher ground. The fl igs of the
cellars were being placed on the spungy surface soil
or clay, without even the attempt at excavation to
the drier sand below ; and into these receptacles
of damp, run up as flimsily as can be conceived,
showing our local Building Act to be an utter farce, hu-
man beings were crowding when the roof was barely
finished, and when the plaster was only half dry. What
the result must be to the unhappy occupants let medical
men declare. We can conceive nothing so likely to follow
as an increase in the disease and death for which Liver-
pool is so unhappily notorious above other places. We
are driving our population, by the regulations of our
Building Aet, out of their dry through unwholesome cel-
lars and courts to be murdered by jerry builders in houses
built upon swamps.
We leave the subject, however, to those to whom we
have suggifted it, arid who can best deal with it. They
will find it one worthy of their attention.