The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1846-07-14 00:00:00

ROYAL INSURANCE COMPANY,

LIVERPOOL.
OLDHALL-STREET.
CAPITAL, £2,000,000, in 100,000 SHARES of £2O Each

John Raw Leigh, Esq.

H. 8.8. H. Blundell, Esq

Josias Booker, 1
Hugh J. Sanderson, Esq.
Deputy-C
_. . _

Esq., Chairman.
and Charles Turner, Esq.,
'hairmen.
James Lawrence, Esq.
Thomas Lee; Esq.
Francis Maxwell, Esq.
Robert M'Andrew, Esq.
Edmund Molyneux, Esq.
J. Bramley Moore, Esq.
Henry Moore, Esq.
James Pownall, Esq.
Archibald Sinclair, Esq.
Geo. J. Wainwright, Esq

William Blain, Esq
Thomas Bouch, Esq
John Campbell, Esq
David Cannon, Esq.
Thomas Dover, Esq,
Robert Dudgeon, Esq
Richard Harbord, Esq
R. S. Henderson, Esq.
R. Brodhurst Hill, Esq
T. B. Horsfall, Esq.
Henry Killick, Esq.
AUDITOR.—Robert 'Pedder Carter, Esq
PHYSICIAN.—Richard Formby, M.D.
SUROEON.—Hugh Neil, ESQ.
SURVEYOR.—SamueI Holme, Esq.
SOLICITOR.—SeptiMUS Booker, Esq.

BIRKENHEAD BRANCH,
Hamilton Building:, Hamilton-street,
suip:icxFOß BIRKENHEAD,

-------
James Theodorick Vale, Esq., Chester-, street.
THE Directors beg to announce that they continue
to RECEIVE PROPOSALS for FIRE and LIFE INSU-
RANCES.
The large Capital of the Company, and the number and in-
fluence of its Proprietors, enable it to take rank with the most
ble offices in the kingdom, with respect to the advantages
offered to the Public.
FIRE INSURANCES
Will be effected at moderate rates of premium. The Company,
having the advantage of a resident Directory, will he enabled
to distinguish itself by its promptness in the Settlement of
Claims.
No Charge made for the Policy.

LIFE BRANCH.
Extract from Rates of Premiums for the Whole of Life.
.e s. d. .4' s. d.
Age. With Profits. Without Profits.
15 1 15 2 1 10 11
20 1 19 4 1 14 11
25 2 4 2 1 19 7
30 2 9 9 2 4 10
35 2 16 2 2 11 0
40 3 4 1
45 3 14 6 3 8 5
50 4 8 3 4 1 7
The Company likewise assure Lives on any of the following
contingencies, viz. :
For the Term of ONE YEAR, SEVEN YEARS, or any other de-
finite period.
For the WHOLE CONTINUANCE OF LIFE.—The Premium to
cease after a LIMITED NUMBER OF ANNUAL PAYMENTS.
On Two JOINT LIVES.—The sum Assured to be paid on the
death of either.

On the LONGEST OF Two OR THREE LIVES, the Sum As-
sured to be payable at the death of the last Survivor, or
On SURVIVORSH IPS to secure the payment of the Sum As-
sured, if a Life A die before another Life B.
The important advantages offered by the Company in the Life
Branch trill include the
.following, viz:—

THE GUARANTEE OF A N AMPLICAPITAL AND EXEMPTION
OF THE ASSURED FROM LIABILITY OF PARTNERSHIP,—The
Assured neither having to depend on an uncertain fund, nor
being in any way accountable for the payment of Claims.
MODERATE PREMIUMS.—This Company, in determining its
charges for Assurances, under the various contingencies, de-
pendant on human life, has availed itself of the experience of
the oldest and most prosperous London Offices, and of the re-
cent investigations on the subject, made by the most compe-
tent Mathematicians and Actuaries. Its TABLES OF PREMI-
UMS consequently avoid, on the one hand, an UNNECESSARILY
HIGH RATE OF PAYMENT BY THE ASSURED, and on the other,
THE DANGER RESULTING FROM INADEQUATE CHARGES.

LARGE PARTICIPATION OF PROFITS BY THE ASSURED,
amounting to TWO-THIRDS of its net amount, which may be
applied at the option of the party effecting the Assurance.
lst.—By an immediate panment of the sum so apportioned;
2d.-By an equivalent reduction of the future premiums; or
3d.—By an equivalent increase of the sum assured.
SMALL CHARGE FOR MANAGEMENT.—The expenses of the
Office being borne in due proportion by the two branches.
PROMPT SETTLEMENT OF CLAIMS.—AII claims will be pay-
able within three months after satisfactory proof of the death
of the Life Assured. The Directors reserving to themselves the
power to discharge any claim immediately on its being estab-
lished.
RESIDENCE IN ANY PART OF EUROPE allowed without any
additional charge, and the EXTRA PREMIUMS charged tor
voyage to, and residence in, any other FOREIGN CLIMATE or
for NAVAL and MILITARY, or any other SPECIAL RISK is
fixed on a MODERATE BASIS.
_•

POLICIES LAPSED BY NON-PAYMENT OF THE PREMIUM,
may be renewed within three months, by paying the premium
with a fine of 10s. per cent., on the production of evidence to the
satisfaction of the Directors of the good state of health of the
Life Assured.
The Company will always be prepared to PURCHASE the PO-
LICIES Of this Office at their EQUITABLE VALUE.
Assurances may be effected when needed with the UTMOST
SECRECY AND DESPATCH.

No ENTRANCE MONEY, nor any charge except for the Policy
Stamp.

The usual Commission allowed to Solicitors.
The Directors likewise beq to announce that they have made
arrangements to GRANT LOANS to persons assured by this
Company, on Personal Security, or upon the Security of Assign-
able Property of adequate value; and to allow the assured
Credit of half the Premiums, for a limited number of years, as
may be agreed upon. PERCY M. DOVE, Manager.
June, 1846,
N.B. The Directors are willing to receive applications from
Persons of INFLUENCE, INTELLIGENCE, and ACTIVITY,
to undertake AGENCIES ti.roughout the Counties of Lancas-
ter, Cumberland, Chester, and elsewhere, it being their deter-
mination only to appoint Agents possessing those qualifications.