The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1850-04-02 00:00:00

THE LIVERPOOL STANDARD.

:'tnstarante potirts.

NORWICH UNION FIRE INSURANCE
SOCIETY.

ESTABLISHED 1821.
CAPITAL £550,000,

TRUSTEES.
The Right Hon. Lord Hastings Edwd. Wellborn Martin, Esq
The Lord Walpole Thomas Amyot, Esq.
Sir Henry Jardine, Knt. Henry Browne, Esq.
John Stracey, Esq. &c. &c.

DIRECTORS.
President—Anthony Hudson, Esq.
Vice-President—George Morse, Esq.
Major-General Sir Robert John Thomas Illakiston' Esq.,R.N.
Harvey, C. B. Timothy Steward, Esq.
Charles Evans, Esq., Chancel- George Durant, Esq.
for of the Diocese of Nor- Robert John Harvey Harvey,
wich. Esq.
Edward Stewart, Esq. Sir William Foster, Bart.
Lewis Evans, Esq., M.D. Henry S. Patteson, Esq.

, .
SECRETARY—SamueI Bignold, Esq.
The Public are respectfully reminded, that all Insurances
renewable in the LIVERPOOL AGENCY on the 25th day of
MARCH, 1850, must be paid at the Office, Exchange-street
West, on or before the 9th day of APRIL instant, or the So-
ciety will cease to be liable for the sums insured.

This Society paid 472,045 Os. sd. Duty to Government for
the year 1849.

It INSURED, during the same year, .€9,785,634 Fanning
Stock, which is Free of Duty.

In proof of the public approbation of the principles an
conduct of this Company, it may be sufficient to state that it:
Business now exceeds SIXTY MILLIONS.
AGENTS r ROBERT NEILSON.
1 JOHN ANDERSSON.

ROYAL INSURANCE COMPANY,
LIVERPOOL.

CAPITAL, £2,000,000, in 100,00 n SHARES of £2O Each

TRUSTEES

JOHN SHAW LEIGH, Lsq. I R. 8.8. H. BLUNDELL, Esq

DIRECTORS.
Charles Turner, Esq., Chairman.
John Campbell, Esq., and John Bramley-Moore, Esq.,
Deputy-Chairmen.
George Armstrong, Esq. John C. Jack, Esq.
Ralph Brocklebank, Esq. Rover Lyon Jones, Esq.
Michael Bousfield, Esq. James Lawrence, Esq.
David Cannon, Esq. Francis Maxwell, Esq.
William Claxton, Esq. I Robert M'Andrew, Esq.
Thomas Dover, Esq. Edmund Molyneux, Esq.
Richard Harbord, Esq. I Henry Moore, Esq.
Robt. Ellison Harvey, Esq. James Pownall, Esq.
R. Brodhurst Hill, Esq. William Smith, Esq.
Thos. D. Hornby, Esq. I John Torr, Esq.
Auditors.. { William Titherington, Esq., and
John Dickinson, Esq.
Physician.— Richd. Formby, Esq., M.D.
Surgeon.--Hugh Neill, Esq.
Surreyor.—Spnal. Holme, Esq.
Solicitor.—Septimus Booker, Esq.
Actuary and Secretary.—Percy M. Dove, Esq.

BIRKENHEAD BRANCH,
OFFICE—HAMILTON-BUILDINGS, B AMI LTON- STREET.
Surgeon.—James T. Vale, Esq., Hemilton-square.

The Directors be to announce that they continue to RE-
CEIVE PROPOSALS for FIRE and LIFE. INSURANCES.

The large Capital of the Company, and the number and in-
fluence of its Proprietors, enable it to take rank with the most
eligible 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.
Extracts from Rates of Premiums for the Thole e Life.

Age.
20 .
30 .
40 .
50 .

With Profits
s. d.
.1 19 4..
~.2 9 9..
3 4 1..
4 8 3..

Without 'Profits
s. d.
...1 14 11
...4 4 II
...2 18 6
...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, or on two or more lives.
For the WHOLE CONTINUANCE OF LIFE.—The Premiums to
cease after a LIMITED NUMBER OF ANNUAL PAYMENTS.

For a Sum to be payable at age 60, or at death.
PREMIUMS ON CREDIT.

A portion of the Premiums may remain on Credit, or
Assurances may be effeted in various ways not enume-
rated, to meet the convenience of the party making the
Assurance.

The important advantages afforded by the Company in this
Branch will include the following, viz.:—
GUARANTEE OF AN AMPLE CAPITAL, MODERATE PRE-
MIUMS, LARGE PARTICIPATION OF PROFITS BY TH
ASSURED, AMOUNTING TO TWO-THIRDS of its NET
AMOUNT, SMALL CHARGE FOR MANAGEMENT, the
Expenses of the Office being borne in due proportions by the
two Branches, and EXEMPTION OF THE ASSURED FROM
THE LIABILITY OF PARTNERSHIP.
The usual Commission allowed to Solicitors.

PERCY M. DOVE, Manager,

N.B. The Directors are willing to receive applications from
Persons of INFLUENCE, INTELLIGENCE, and ACTIVITY,
to undertake AGENCIES throughout the Counties of Lancas-
ter, Cumberland, Chester, and elsewhere, it being their deter-
mination only to appoint Agents possessing these qualifications.
POLICIES falling due at LADY DAY should be renewed
on or before the 9th of APRIL next.
March 23, 1850.

['he following AGENTS, amongst others, have been appointee :
ltherton Thomas Warburton, Druggist.
4urtlem Edward Bellyse, Combermere Abbey.
Bolton-le-Moors Edmund Haworth. jun., Solicitor.
C. H. Purnell, Sandfield Cottage, Linacre Marsh.
. Townley and Emmett. 30, Leyland-street.
T. A. Weston, District Bank.
Richard Law, Scartop Mill.
William Roberts, North Parade.
(Morley George Houghton, Stamp-office.
Chester Duckr and Co.. Eastgate-row.
Clitheroe R. Wildman, Craven Bank.
Edgehill . John Grierson, 3, Olive-street.
Frodsham James Lewis, Chemist and Druggist.
Haslingden. Thomas Woodcock, solicitor.
Kensington, near L'pool.. Geo. H. Plant, Accountant.
Knutsford William Taylor, Ironmonger.
Lancaster Yeats Welch, 142, Church-street.
Low-hill James Wensley, Gloucester-place.
Manchester Thomas Houghland, Ridgefield.
Do. G. V. Ryder, 100, King-street.
Macclesfield John May, Solicitor.
Much Woolton .. .. Thomas Bancroft, 6, Castle-street.
Nesten E. K. Hollingshead. Parkgate.
Nreton-/c-Wriotvi Thomas Hodgson, Stationer.
Northwich George Beckett, Draper.
Oldham James Schofield, Greenacres Moor.
Old Swan ty Stanley Samuel C. Sneade, Church-road.
Orntskirk Robert Wareing, Solicitor.
Prescot Edward Brown, Market-place.
Preston T. J. Garrington, 51, Church-street.
Do. William Gray, Lord-street.
Rochdale • . Matthew Weston, 172, Yorkshire-street.
Rock Jerry William Webb, Mersey-lane.
Runcorn Thos. & W. Rigby, Coal & Salt Merchants.
St. Helens. John Barnes Barrow, Solicitor.
St—lames's District, LiverpooLltd.Simm, 35, St. James's-road.
St, Luke's District, Liverpool. John Walker, 7, Clayton-square.
St. MichaePs District, Liverpool.. W. Byrom, 10, Kent-square.
Scotland-road, Liverpool.. Wm. Roxburgh, Royal Insurance-
buildings, North John-street.
Seacombe Hugh Banner, Estate Agent.
Stockport John Nield, Portwood.
Staleybridge Henry Heap, Cocker-hill.
Tarpot kg William Aston, Grocer and Tea Dealer.
The Dingle, Toxtethpark.. Wm. Orme Carter, 17, Poplar-grove
Toxteth-park Joseph Harrison, 4, St. James's-place.
Ulverston T. Pearson Postlethwaite, Solicitor.
Waterloo-road District, Lirerpool.JohnJoneB,9,Waterloo-road.
Warrington Tohn Platt, I3ewsey-street.
Wigan Woodcock, Part, and Scott, Solicitors.

Bootle ...
Blackburn,
Bury

Bw:nley
De.

Ensttralut fl.ottrts.

THE CITY OF GLASGOW

LIFE ASSURANCE AND .REVERSIONARY
COMPANY.
Head Office 40, ST. VINCENT-PLACE, GLASGOW
Edinburgh Office 19, ST. ANDREW-SQUARE.
London Office._ 120, PALL-MALL.
Liverpool Office 20, REDCROSS-STREET.

GOVERNORS.
The Right Honourable the EARL of GLASGOW

_
DEPUTY-GOVERNOR.
JAMES OSWALD, Esq., of Auchincruive.

THE ELEVENTH ANNUAL GENERAL MEET-
ING of THE CITY OF GLASGOW LIFE ASSURANCE
AND REVERSIONARY COMPANY was held in th 9 Com-
pany's Office, in Gla-gow, on Tuesday, the 25th March, 1850.
as provided by the Act of Parliament, constituting the
Company.
ANDREW STEPHENSON DASLISII, Esq.,Chairman

of the Board, in_the Chair

The Manager read a Report by the Directors on the affairs of
the Company as at Igh January, 1850, when the Il'ioks were
closed, giving details of the Assurances effected. during the
year then ended, also embodying the results of the FIFtH
ANNUAL BONUS INVESTIGATION which had been insti-
tuted as at that date, and showing the position of the Com-
pany's business in all its departments. From the Report it
appeared that a large and satisfactory amount of new Assr
rances h^a ' since the last Meetine— that the Fr

uc.......peneu Di Lit.,
of the Company are securely and advantageously invested—
that the REVENUE FROM PREMIUMS exceeds
£31,000 PER ANNUM—
that the SUMS ASSURED are close upon
ONE MILLION STERLING;
and that the Company's progress has in all respects, during the
last year, been such as to warrant the Directors in stating,
that few Offices hold out more immediate and lasting advan-
tages to Assurers than those offered by this Company.
A Bonus addition, for the year ending 19th January, 1150,
of ONE AND A HALF PER CENT. 011 the sums assured, was
declared on all Policies opened on the participation scheme,
with the ortioa to the Policy-holders, if they prefer it, of receiv-
ing in Cash the value of the Bonus addition, instead of having
it added to their Policies—the effect of this being, if the cash
value is taken, TO EFFECT A LARGE REDU T ON FROM THE
ANNUAL PREMIUM. It was noticed in the eteport, that th
system of an Annual Declaration of Bonus, first adopted by
this Company, is daily becoming more appreciated by the
Public, and that the peculiar advantage which it offers OF
ADMITTING POLICY-HOLDERS TO PARTICIPATE IN THE PRC
FITS THE FIRST YEAR THEY ENTER, iS evidently ."^'"
entitle this Company to a preference.

The Meeting imanimotisly adopted the Report, and then
proceeded to the election of three Ordinary Directors, in place
of those who retire by rotation.
GEORGE BAIRD, Eso.,, Gartsherrie,
JAMES MUIRHEAD, Esq., Goldsmith, Glasgow,
WALTER BUCHANAN, Esq., Merchant, Glasgow,
having been unanimously elected to that office, the Direction
of the Company for the next year is vested in the following
Gentlemen, viz.:—
ARCHIBALD MACCONNELL, Esq., Merchant.
WALTER PATERSON, Esq., Merchant.
WILLIAM BANK lER, Esq., Merchant. •
JAMES JAMIESON, Esq., Merchant.
HENRY DUNLOP, Esq., of Craigton.
HUMPHREY EWING RUM, Esq., Merchant.
WILLIAM BALFOUR, Esq., Merchant.
PETER CLOUSTON, Esq., Insurance Broker.
JOHN TENNANT, Esq., St. Rolloz.
GEORGE BAIRD, Esq., Gartsberrie.
JAMES MUIRHEAD, Esq., Goldsmith.
WALTER BUCHANAN, Esq., Merchant.
DANIEL WALKINS HAW, Esq.. Manager.
ARCHIBALD BOKTHWICK, Esq., Actuary.
JOHN MACFARLANE, Esq., M.D. Medical Referee.
ALEXANDER MORRISON, Esq., Law Agent.

The BOARD of DIRECTORS in LIVERPOOL for the follow-
ing year consists of
WILLIAM CROSS, Esq.
JOHN CROW, Esq.
J. H. RAYNER, Esq.
WILLIAM NEVETT, Esq.
JAMES GRAHAM, Esq.
PETER RAMSAY, Esq., M.D., Medical Referee.

D. WALK!
City of Glasgow Life Assurance and Rev

ASSURANCE

THE STANDARD LIFE
COMPANY,
ESTABLISHED 1825. CONSTITUTED BY ACT OF PARLIAMENT

ANNUAL REPORT, 1850,

rrHE TWENTY-FOURTH ANNUAL GENERAL
I MEETING of this COMPANY was bell on FRIDAY, the
15th of February, within their Office, No. 3, George-street,
Edinburgh,— _ _ _

GEORGE MOIR, Esq., Advocate, in the Chair.
The Directors submitted various statements showing the
progress of the Institution since its commencement, and the
satisfactory result of the business during the past year.

.
It appeared from the statements submitted—
That 808 New Policies had been issued during the year ending

15th November, IM9.
That the sums assured during that period amounted to

That the IVtin;i)eroiliroposals made to the Company during
the same period was 997, of which 808 were accepted,

That a large addition had been made to the Funds of the Com-
pany, and that the Directors were still enabled to main-

are most satisfactorily secured.
The following are Extracts from the Report submitted by
the Directors to the Meeting:— _

" From these statements it will be perceived that the Com-
pany have been enabled to issue the large number of 808 Po-
Pnlirieg nn flip

licies, neino•b an increase or upwarus :::w
business of 1848, and a much larger number than was ever
issued by the Company in :ny previous year. In drawing at-
tention to this result, the Directors beg to point out the com-
paratively small excess of the sums assured over the year 1848,
£33,507 145. Bd., as contrasted with the increased number of
Policies issued, the average amount of the New Policies being
. .

about .es3t) in place of .tlOO, which has obtained for many
years in the business of the Company. The conclusion to be
drawn from this appears to be that the Company have made
a considerable extension of their business, the numbir of trans-
actions, not the amount assured, being the best test of progress.
The Directors are further impressed with the opinion that, to
some extent, the result evinces a renewal of prosperity through-

out the country, es shown by the increased number Or Policies,
the effects of past depression limiting the amount of assurance
sought." - - -

" Of the claims, upwards of one-fifth was occasioned by cho-
lera, which has to some extent. no doubt. increased the morta-

that cause superseded deaths by other causes. The whole mor-
tality, however, is not so great as in the year 1847, when fever
was so nrevalent ; and altogether, the Directors consider they

have good cause of congratulation in having passed through a
year marked by such increased mortality throughout the coun-
try, without a larger amount of claims."

"These are the satisfactory results of the past year ; and the
Directors feel confident that they can hold out to the Pro-
prietors the prospect of continued success for the future. One
year may vary from another in the degree of advancement
made, but the general progress of the Company will, they con-
fidently state, be a steady onward movement, advancing from
step to step for the future, as it is now doing, with a rapidity
which few, if any, institutions of the kind have equalled."
"'The following statement exhibits the rapid progress of the
institution during the past six years :

Year ending

Number of
Policies issued. Sums assured,

15th NovemberlS44,

562 JE'387,381 0 0
698 446,026 12 10
592 368,679 7 10
621 443,578 4 11
571 395,864 12 5
808 429,371 17 1

-,, 1846.
„ 1847.
„ 1848.

; 1849.

In six years

2,470,901 15 1

Giving an annual avers

£411,816 19 2

"The present year 1850, is a most important one *in the ca-
reer or the Company. On its termination the Standard will have
passed through the tirst 25 years of its existence, and arrived at
the fourth period at which the Profits fall to be divided. The
attention of the Directors and Manager is now fixed on the im-
portant preliminary investigation which is already in progress
for the approaching division, and they trust that the result will
bear out the favourable anticipations which they now confi-
dently express."
a

"The Directors have now only further to mention a transac-
tion which they have entered into, which they consider will be
conducive to the interests of the Company, viz.,,the transfer-
ence of the business of the Experience Life Assurance Company.
The arrangements have all been completed, and the transfer-
ence is about to be made, but as the transaction has been en-
tered into since the balance of the Standard Company on 15th
November last, to which the present report bears reference, the
Directors have not included in the statements now submitted
any notice of its affairs."

After the report and statements were submitted, the Chair-
man congratulated the meeting on the satisfactory position of the

He drov‘ktention to th

of the COmpany's funds, and the satisfactor
they are invested, and to the large revenue of the Company
He also drew attention to the fact of the present being the
bonus year, affording additional inducement to parties to effect
Assurances, and he urged on all to make an increased effort to
advance the interests of the institution

securities in which

The report was approved of, on the motion of John Tod, Esq.,
W.S., and the meeting expressed entire satisfaction with the
progress and position of the Co.-npany.
After tile election of new Directors in room of those retiring,
the establishment for the ensuing year was declared to be as
follows:
_______

GOVERNOR

His Grace the Dnke of Buccieuch and Queensberry

DEPUTY-GOVERNOR

The Right Hon. the Earl of Elgin and Kincardine,

EDINBURGH.
ORDINARY DIRECTORS.
William Keith, Esq., Accountant, SO, Castle-street.
John Robert Tod, Esq., W.S., 30, Moray-place.
George Patton, Esq., Advocate, 38, Frederick-street.
Charles Pearson, Esq,, Accountant, 128, George-street

James Condie, Esq., Perth. -
James Robertson, Esq., W.S., H. Heriot•row.
James Hay, Esq., Merchant, Leith.
George Moir, Esq., Advocate, 41, Charlotte-square.
Harry Maxwell Inglis, Esq , W.S., 4, Coates-crescent.
Anthony Trail, Esq., W.S., 16, Northumberland-street.
John Sligo, Esq., of Carmyle, 5, Drummond-place.
Andrew Blackburn, Esq.. Merchant, 8, Queen-street.
Thus. Graham Murray, Esq., W.S., 4, Glenfialas-street,
James Veitch, Esq., of Eliock.

LONDON.
CHAIRMAN OF THE BOARD.
The Right lion. the Earl of Aberdeen
ORDINARY DIRECTORS.

David Laing Burn, Esq., 12, Kensington-palace-gardens
Alexander Gillespie, Esq., 5, Gould-square.
A. Macgregor, Esq., 31, Chester-street, Grosvenor-place.
John Scott, Esq., 4. Hyde-park-street.
John Plowes, Esq., 64, Old Broad-street.
F. Le Breton; Esq., 3, Crosby-square.

John Lindsay, Esq., LaurenCe E‘ountney-lane.
After a vote of thanks to the Directors in Edinburgh anc
London. to the Local Boards, and to the Officers of the Com•
pany, which was proposed by ANDREW WOOD, Esq., M.D., tht

WILL. TIIO. THOMPSON, ➢-iann;er
PETER ENVART, Resident Secretary

London, 82, King William-street

OFFICE

AM, 76, SOUTH CASTLE-STREET.
S. MURDOCII and THOMPSON, Agents
AGENTS IN LANCASHIRE:

ilancheste,.

,srs. Jam

ISloe)(port