The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1846-04-14 00:00:00

LIFE BRANCH.

Extract from Rates of Premiums for the Whole of Life.
£ s. d. £ 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 2 18 6
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 Terin of ONE YEAR, SEVEN YEARS, or any other de-
finite period.

For the WHOLE CONTINUAANCE 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 he payable at the death of the last Survivor, or

On SußvivOusit fps 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 will include the following, viz:—
THE GUARANTEE OF AN AMPLE CAPITAL 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.—The 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.
Isl.—By an immediate pagment of the sum so apportioned;

2d.—By an equivalent reduction of the future iientium r; 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 for
voyage to, and residence in any other FOREIGN CLIMATE or
for NAVAL and MILITARY, or any other SPECIAL RISK are
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 l Os. 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.
N.B. The usual Commission allowed to Solicitors.

The Directors likewise 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 alimited nurhber of years, as
ma7i, be agreed upon. PERCY M. DOVE, Manager.
March, 1846,

NOTICE, TO MARINERS.

ft OVESEA SKERRIES LIGHTHOUSE AND
BEACON.
k J__

The COMMISSIONERS of the NORTHERN LIGHTHOUSES
hereby give Notice that a LIGHTHOUSE, to be called the
" COVESEA SKERRIES LIGHTHOUSE," has been built
upon the Point of CRAIGHEAD, in the County of ELGIN, the
Light of which will be exhibited on the Night of the 15th of
Mav, 1846, and every Night thereafter, from Sunset till Sunrise.
Ana they farther give Notice that a BEACON has been placed
on that part of the COVESEA SKERRIES called HALIMAN'S
SCARES, which lies of CRAIGHEAD.
The following is a Specification of the Lighthouse, and the
appearance of the Light by Mr. ALAN SrEVENSON, Engineer to
the Commissioners :

The Lighthouse is situated in N. Lat. 57 deg. 43 min. 21 sec.
and W. Long. 3 deg. 20 min. 14 sec. By compass it bears from
Tarbetness Lighthouse S.E. by S. S., distant 164 miles; from
Brough Head E. by B. # S., distant 5i miles; from Stotfield
Point W.N.W., distant 2 miles; from the Beacon on Haliman's
Scares W.S.W. 4 W.; distant 1 mile; and from Scarnose N.W.
by W. W., distant 16 miles.
The COVESEA SKERRIES LIGHT will be known to Mariners
AS a REVOLVING LIGHT, 'Which gradually attains its BRIGHTEST
state once every minute, and then as gradually declines, until,
to a distant observer, it totally disappears. From W. by N. N.
to S.E. by E. # E. the Light will be of the natural appearance ;
but from S.E. by E. # E. to S.E. # S. it will be coloured Red.
The Lantern, which is open from W. by N. # N. round to S.E.
S., in a northerly direction, is elevated I_6o feet above the
level of the Sea; and the Light will be seetrtit the distance of
six leagues, and at lesser distances according to the state. of the
atmosphere; and to a near observer, in favourable CH.rum-
stances, the Light will not wholly disappear between the inter-
vals of greatest brightness.
The BEACON on HA LIMA N'S SCARES bears from the Light-
house E.N.E #E. It consists of Frame-work of Iron, sur-
mounted by a Cylindric Cage and a Cross, and rises to the
height of about 48 feet above high water. There are steps
leading from the Rock to the Cage, in which a temporary shelter
may be found in the event of shipwreck on the Rock.
The -COMMISSIONERS hereby further give Notice that, by
virtue of a Warrant from the QUEEN in COUNCIL, dated 13th
September, 1845, the following Tolls will be levied in respect of
this Light, viz.
" For every British Vessel (the same not belonging to Her
Majesty, her heirs, and successors, or being navigated wholly
in ballast), and for every Foreign Vessel which, by any Act of
Parliament, Order in Council, Convention, or Treaty, shall be
privileged -to enter the Ports of the United Kingdom of Great
Britain and Ireland, upon paying the same duties of tonnage as
are paid by British Vessels (the same not being Vessels navi-
gated wholly in ballast) which shall pass the said Lighthouse
upon the Point of Covesea, or derive benefit thereby, the Toll of
One Halfpenny per Ton of the Burden of every such Vessel,
for each time of passing the said Lighthouse, or deriving benefit
thereby ; and Double the said Toll for every Foreign Vessel not
so .privileged." By order a the Board,
L
(Signed) C. CUEX.N
CUN,INGNAM, I SGHAM, } Joint tSteretttries.
A
Edinburgh, 10th April, 180.

BIRKENHEAD MATERNITY HOSPITAL AND
DISPENSARY, for the Diseases of Women and Children,
exclusively; with a Cow-pock Institution annexed; and a Ly-
ing-in Hospital, for the Poorer Inhabitants of Birkenhead.
Doctor ORPEN, Woodside, acknowledges the receipt of the
following sums, in aid of the above-named Charity :
Right Hon. Dowager Viscountess Harberton Li 0 0
Margaret Jones
Mrs. Edward Henry Hoare 1 0 0
Miss Exshaw
Mrs. Eddowes 1 1 0
Mrs. Abercrombie 1 1 0
• Mrs. Massey 1 1 0
Mrs. Kelley
Mrs. Swinton Boult
Mrs. Laird 1 1 0
• Mrs. John Laird 1 1 0
Mrs. Watson
Mrs. Pike 2 2 0
Mrs. Brownrigg 2 2 0
Marcus F. Brownrigg, Esq

CIRCULAR NOTES AND LETTERS OF CREDIT.
THE LONDON and WESTMINSTER BANK has
commenced the ISSUE or CIRCULAR NOTES for the use
of travellers and residents on the
Continent.
The notes are payable at every important place in Europe,
and thus enables a traveller to vary his route without inconve-
nience; no expense is incurred except the price of the stamp,
and when cashed no charge is made for commission.
These notes may be obtained either at the Head Office of the
London and Westminster Bank, in Lothbury, or at the branches
of the Bank, viz.:—
1, St. James's-square 13, Wellington-street, Borough
213, High Holborn 87, High-street, Whttechapel.
4,Stratford place,Oxford-street
By order of the Board,
JAMES WM. GILBART, General Manager.

JOHN STIVENS AND CO.,
BEG to call the attention of the Public to the fol-
lowing TESTIMONIAL, from an eminent Physician, rela-
tive to their