The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-11-14 00:00:00

HUNDREDS.

FROM MR. MURLEY, LATE A PRACTITIONER IN CHELTENHAM.
" Huntley, Gloucestershire, 3rd November, 1848.
" DEAR KEATING,—It affords me much pleasure to learn
that the sale of your Cough Lozenges is co extensive. Being
acquainted with their composition, I am fully persuaded of
their efficacy for promoting gentle expectoration-Fluid allaying
pulmonary irritation. In cases of Catarrhal disorder, it is
most desirable to combine a class of medicines which may
calm without the deleterious effects of Opium, and this deside-
ratum is, I believe, effected by the ingredients in your Cough
Lozenges. I well remember the very high opinion which a late
eminent Surgeon of one of our London Hospitals had of this
preparation ; he frequently told me that it was the only medi-
cine which afforded relief to his wife, who had suffered for
many years from Asthma.
"If von consider the testimony of a retired Practitioner
(after thirty-six years of extensive practice) of any advantage,
you are quite welcome to avail yourself of this recommenda-
tion. With best wishes,
" Believe me, dear Keating, faithfully yours,
" S. H. MURLEY.
"To Mr. Keating, St. Paul's Churchyard."

Liverpool Wholesale Agents :—T. EYRE and Co., Seel-street,
EVANS, SoN, and Co., Lord-street, and Messrs. CLAY and
HARVEY, Wakefield-street, Sault Anne-street, Wholesale Drug-
gists.

COTTISH WIDOWS' FUND AND LIFE
ASSURANCE SOCIETY.

FOUNDED A.D. 1815,
On the principle of Mutual Contribution.

This Institution, notwithstanding its lo name, has long
been favourably known to all classes in eat Britain and Ire-
land. It is the oldest and most s essful Life Assurance
Office in Scotland; and with the Teption of the London
Equitable, it is belived to be the ost extensive upon the Mu-
tual Assurance principle of any the country.
The affairs of the Society ar arefully investigated at the end
of each period of seven year , and it is provided by the Articles
of Constitution that at 1 one-third of the ascertained surplus
or profit shall be rese ed as a Guarantee Fund. This Fund,
(as well as all the other Funds of the Society,) belongs solely to
the Members—it secures the stability of the Institution, and
prevents the profits from being diverted—as must be the case
in all Proprietary Offices—from the individual benefit of the
Assured to increase the Dividends of the Stockholders.

At the last Septennial period of investigation, (viz., 31st De-
cember, 1845,) it was ascertained that the Surplus Fund
amounted to upwards of
SIX HUNDRED AND FOURTEEN THOUSAND POUNDS,
from which the Directors were enabled, after setting aside up-
wards of
TWO HUNDRED AND FOUR THOUSAND POUNDS
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, 1838, on the accumulated
amount of the original sums assured and the previously de-
clared additions ; being, in the case of the early Insurances,
UPWARDS OF THREE PER CENT. PER ANNUM OF
BONUS ON THE ORIGINAL SUMS INSURED.
And in order to provide for the case of such parties as might
die before 31st December, 1652, the period of the next Investi-
gation and declaration of surplus, there was provided farther,
2. An addition at the rate of two per cent. per annum on the
accumulated amount of the original Assurances and previously
declared additions for each Premium paid after 31st December,
1845, provided the party had at his death been insured five
years. Thus, in the case of a party insured in the early years
of the Society's existence dying after payment of the Premium
for the year 1852, the addition. for the seven years from 31st
Decetnber, 1845, to 31st December. 1852; would be upwards of
25 per cent., or at the rate of upwards of
THREE AND A HALF PER. CENT. PER ANNUM OF
. BONUS, ON THE ORIGINAL SUM INSURED.

The proportion of the Profit allocated to each Member may
be applied in any of the following ways, viz.:—
By additions to the original sum insured.
By an immediate payment of its value in money, or,
By an equivalent deduction from the future Annual Contri-
butions payable under the Policy.
The effect of the additions made to the Policies may be,judged
of from the fact, that in the case of the original Members of
the Society, there willte paid under each 11000 insured, in the
event of death after payment of the Premium in the year
thus showing a} on the ori-
1848_ 11917 19 101 Bonus equal to 91per cent{ Final Sum'
upwards of insured.

1850.. 1990 7 5 •• • • 99 „
1852.. 2062 14 11 106 ~
To the representatives of the Original Member who may die
in the year 1852 after payment of the Premium applicable to
that year, there will thus be paid MORE THAN DOUBLE THE
AMOUNT OF THE ORIGINAL INSURANCE.
The Members who joined the Society at later periods will, in
like manner, derive important benefits, and the Directors feel
confident that the more the Principles of the Society are con-
sidered and understood, the more satisfied will the Members
be, not only that they have connected themselves with a safe
and flourishing Institution, but that whilst benefits so great are
conferred upon those who have been long connected with it, the
interests of the later Members are in no way overlooked.
JOHN MACKENZIE, Manager.
WM. GEORGE, Chief Clerk.
Head Office, 5, St. Andrew's-square, Edinburgh,
October, 1848.

AGENTS FOR LIVERPOOL AND VICINITY:
MESSRS. BELL, GOULDIE, AND CO., BROKERS,
EXCHANGE-STILEXT BAST.