The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1851-02-04 00:00:00

ROYAL INSURANCE COMPANY
ROYAL INSURANCE-BUILDINGS,

NORTH JOHN-STREET AND DALE-STREET

The DIRECTORS of the ROYAL INSURANCE COMPANY
beg to intimate that they have%to-- a very liberal RE,
DUCTION of the PREMIUMS o . tRCANTILE INSUR.
ANCES in Liverpool.

The particulsrs of the i rtant alteration made in these
Rates of Insurance m • e ascertained by application at the
Company's Office.

R&D/6-r, PERCY M. DOVE, Manager.
271 h January, 1851.
SCOTTISH EQUITABLE LIFE ASSURANCE
SOCIETY.

INCORPORATED BY ACT OF PARLIAMENT

SPECIAL NOTICE

TO SECURE THE ADVANTAGE OF THIS YEAR'S EN-
TRY, PROPOSALS MUST BE LODGED T--THE HEAD-
OFFICE, OR AT ANY OF THE ETY'S AGENCIES,
ON OR BEFORE IsT MAR .

POLICIES EFFE ON OR BEFORE IsT MARCH,
1851, WILL R , 'E SIX YEARS ADDITIONS AT THE
ALLOCATION AT IsT MARCH, 1856.
ROBT. CHRISTIE, Manager.

AGENT AT LIVERPOOL :
ARCHIBALD TOD. Sharebroker,
3, Liver Cbambers, 23, Tithebarn-street

SPECIAL NOTICE,

TO SECURE THE ADVANTAGE OF THIS YEAR'S EN-
TRY, PROPOSALS MUST BE LODGED AT THE HEAD
OFFICE, OR AT ANY OF THE SOCIETY'S AGENCIES,
ON OR BEFORE IsT MARCH.
POLICIES EFFECTED ON OR BEFORE IsT MARCH, 1851,
WILL RECEIVE SIX YEARS' ADDITIONS AT THE
AI.LOCATIQN AT IST MARCH, 1856.
SCOTTISH EQUITABLE LIFE ASSURANCE
SOCIETY.
_ _

Incorporated by Special:l;t of Parliament.
EDINBURGH No. 26, ST. ANDREW-SQUARE
LONDON No. 61A, MOORGATE-STREET
• PRESIDENT.
-- -

His Grace th• Duke of Buccicuch a ueensbery.
LOCAL BOARD OF DIRECTO FOR LIVERPOOL

CHAI N.
Tkomns Chi , Esq., Chairman
IRECTORS.

Thos. Martin, Esq., rchanriiim. Oxley, Esq., Merchnat.
David Cannon, E ~.lerchant. Hilton flathead, Esq., Mercht
Me al Officer—James Petrie, Esq., M.D.

The leading feature of the Scottish Equitable is, that the
WHOLE PROFITS are allocated every THREE YEARS
amongst Policy-holders of more than five years' endurance, in
terms of the Laws of the Society. These allocations are not,
as in most other Offices, made on the original sums assured,
but on the sums assured and also on ALL PREVIOUS ADDI-
TIONS, so that the Bonus of £2 per cent. declared at Ist
March last, was equal to about ..£3 14s. per cent. per annum
on the sums originally assured by the earlier Policies.
The following additions, amounting to £448,665, hare been
made to Policies at the Triennial Allocations :
In 1841 £75,239
1144 83,210
1847 129,984
1850 152,232

4440,665
The effects of these additions are, First, that a Policy for
41000, dated Ist March, 1832, becoming a claim before Ist
March, 1851, will receive no less a sum than 41457 16s.—being
nearly FORTY-SIX per cent. on the sum originally assured—
and, Necond, supposing such Policy to have been effected at the
age of thirty, the Annual Premium is 425 108. led., but were
the Bonus applied in reduction thereof, the future Premium
would be .410 ss. 9d. only, being about One Pound per Vent.
on the sum originally assured.
Policies at other ages possess like advantages.
In this Society, the whole surplus being divided among the
assured, it is utterly impossible that any Proprietary Office
can, taking all circumstances into account, fairly hold out to the
assured so great advantages as the SCOTTISH EQUITABLE Ia
enabled to do.

The ANNUAL RENENUE is above ONE HUNDRED AND
TWENTY THOUSAND—and the ACCUMULATED FUND ex-
ceeds FIVE HUNDRED AND SEVENTY-TWO THOUSAND POUNDS
STERLING'.

ROB'f. CHRISTIE, Manager
AGENTS :

LIVERPOOL

ARCHIBALD TOD, 11, Liver Chambers, 2:
Tithebarn-street.

Manchester A rideitonseit;Wi;o. rburn, Merchants.
Ditto Edward Corbett,Surveyor,2, Princess street.
Birkenhead Gibson. Andrew, and Co., Merchants.
Chester John Hostage, Solicitor.
Mold! Anthony Dillon, Banker.

I\TATIONAL LOAN FUND, LIFE, and EQUIT-
ABLE FIRE INSURANCE COMPANIES, 26, CORN-
H ILL, LONDON.

DI RIRCTOR %cr./
*fr. LA MIR ;HURRAY
*W. A. B. Bennett, Esq. t*Jolin RBW9OII, EStt.
*Hugh Croft, Esq. *John Shaw, Esq.
tElliotson, M.D., F . t*F.dmond S. Symes, Esq.
*Sir A. W. Hill _,- Bart. i -1-*Clement Tabor, Esq.
*Ralph Gough, Esq. 1-Joseph Thompson, Esq.
*M. C. Nisbet*, Esq. . •f*Augustus Vigne, Esq.
*John Mote, Esq.
* Equitable Fire. I- National Loan Ftind Life Assurance So
ciety. f* Both offices.

NAtIONAL LOAN FUND LIFE OFFICE. Capital, .4500,000

NEW LIFE TABLES

On the Withdrawal Table the Assured is entitled, by simple
endorsement, to receive an immediate advance of one-half the
amount of the paid annual Premiums, without security or de-
posit of the policy ;—or Half-Premium for the whole con-
tinuance of life. On surrender one-half of the Annual Pay-
ments sill be returned.
Assignments registered.

No Entrance Fee.
The present annual income of the Society from Premiums is
.€63,000; the amount covered by the Policies of the Society is
£1,781,580; and the reserved protit, applicable to future bonus
to the assured, amounts to .€.82,454 ss. 6d. At the last annual
investigation, reported in May, 1850, the bonuses declared to
the assured were, the option of a return of 13 per cent, on their
premiums in cash, or a reversionary addition to the original
sum assured by each policy varying from 20 to 65 per cent.
EQUITABLE FIRE OFFICE. Capital, .€500,000.
(Incorporated under 7 and 8 Vic. cap. 110.)
The Equitable,Fire Office will, by a constant analysis of its
own experience, from time to time, adopt such rates of pre-
mium as the nature of the risk may justify, and will decline to
enter into arrangements as regards tariffs with other offices.
An annual investigation will be made into each class of risk.

and a return of one moiety, or fifty per cent. of the tiettex.cei;•l
will be made to all classes of Insurers 11 hose policies have been
in force for three years.
Insurances against Loss by Fire effected n

4n Every

l'arldiniStoCk insured at per cent., without the Areerage
Clause.

Prospectuses, and every information, may be obtained, ou
application at the (Vice, or to any of its Agente.
W. B. WOOLHOUSE, Act nory.

I.I'VEItPOOI

ACEN'TS FOR TB'S DISTRICT
JAMES IRVINE, Esq.

W. Creel), Esq.. Messrs. Duffield,
Lotthome, and Whitworth, 12, Prin.

11Iselborti

OrmskiA.
Southport
Burnley

Charles .1. Holmes, Esq
31r. Thomas Kershaw.
M. James Kershaw.
Mr. Issue Kitchen.
Mr. E'. -1 F.% ”nd'

Fleetwood
Bury
Bolton ..,
Rocluta Le .
Prehtort
CHI beroe,

a..
Mr. John Deakin, Salt IVort.s.
.Ir. George DollichiSt Bwookshaw Huns
Mr. John pale.
Mr. James 11,Itternorth, Auctioneer.
Mr. Henry 111,y-es.
Mr. Joseph Thsekeak- Mr_ rh.. Vim(

Et, Releoi

N. 6. 'icy ler, EN