The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1833-12-27 00:00:00

IMPERIAL FIRE OFFICE.

THOSE Persons whose Annual Policies are renewable on
the 25th instant, are respectfully informed that, for their
own security, they should be renewed within fifteen days after
that date.
This Company have reaolvssUn make the following reductions
in the rates of prel4ium hitherto chargediu the three common
classes of Insurances, except in special

_
First Class - 2s. to 11. 6d.
Second 3s to 2s. 6d.
Third 3s to 4s. 6d.
LAWSON and CLARKE, Agent*.
High-street, Liverpool, Dec. 23c1, 1833.

WEST OF ENGLAND
FIRE AND LIFE INSURANCE COMPANY.
Chief Office, EXETER.
Office in London, 20, Bridge-street, Blaelfriars.

ERSONS insured against-Fire to the extent of £3OO and
p
upwards, will be entitled to -a Share of half the Profits,
derived from Fire Insurances, every fifth year.
LIFE INSURANCES are also effected on the approved
plan of giving to those insured for £lOO and upwards, a Share
in the Profits, which may be added to the .Sim insured, end
payable therewith, or applied in seduction of the Annual Pre-
miums.
Rates and Conditions may be had of the Agents,
CHARLES LEWIS, Secretary.
Those Persons whose Policies fall due on the 25th DECEMa I a,
are respectfully informed that they.sheuld renew the same within
fifteen days from that date, for their own security.
WM. WHITEHOUSE and SONS, Agent;
12; Flialisge-buildings, Liverpool.

PHOENIX VIRE OFFICE, ESTABLISHED 1782.
THE BOARD of DIRECTORS of this Office. do hereby
give Notice, that Renewal Receipts for Policies falling
due at Christmas arc now in the bands of the several Agents.
5,* The Agents for this Company, for the County of Lan-,,
.
caster, are ~
MT. GEORGE GREEN, Liverpool, . Mr. Wan= Tate, Manchester,
Messrs. T. and J. Cuoox, Ditto, Mr. Henry sharpies, Ormskirk,
Mr. Tnos. LANGrox, Ditto, Messrs. T. T. and J. B. Jackson,
Mr. Thos. Hill, Ashton and stay- Preseot,
lev-bridge, Mr. Richard Newsham, .1..11
• a
Mr. Wm. Townle_y, Blackburn, Preston. .
•
Mr. John Mawtisley, Bolton, Mr. James ViOnds, /ttnhdale,
Mr. Benj. Townson, Burnley, Mr. Stephen Tyson, Ulverston,
Mr. Benj. Crompton, Bury, Mr. Edward Bolton, Warrington,
Messrs. Swainson, Gregson, and Mr. James Baricks,tl,-igam
Man, Lancaster,

SCOTTISH UNION FIRE AND LIFE INSURANCE
COY:Xi:7Y.
Ineorporcdd by Royal Charte.r.
Capital—Five Millions sterling._
iitstituted at Edinburgh, 182 i
GOVERNOR I`.
The Most Noble the Marqtiis of Lothian.
DEPUTY-GOVERNOR, •
Henry Cockburn, Esq., Solicitor-General of Scotland.
Sutherland Mackenzie, Esq., Manager.
liIS INCORPORATION is comprised of a numerous,
Twealthy, and influential body of Proprietors, and affords
unquestionable security to the public from the magnitude of
its capital—a large proportion of which is invested
in Govern-
ment or real securities. By conducting its operations on au
extensive scale, it is enabled to equalise those vicissitudes which
may arise from the influence ot local causes; and, from the
success which has hitherto attended this National Establish-
ment, it is now permanently placed on a secure basis. A small
annual contribution will secure property, real or personal, front
loss n
or damage by FIRE; and, by the same means .all those
calamitous consequences may be obviated which so!frequently
arise from the uncertainty of bugler) LIFXr andthe maul acci-
dents to which, it is daily exposed.
FIR DEPARTMENT:---------
E
aml personal, of every description, may be in-
sured on the most advantageous terms; cunimon insurancerof
the first class at the reduced rates, and property involving more
than ordinary hazard, at rates of premium commensurate With
the value of•the risks.
ALL LOSSES, when satisfactorily ascertained, are IMME-
DIATELY PAID; and .the Directors of this Incorporation
can with confidence refer W. the liberality and promptitude
which has hitherto marked their settlement of all claims upOn.
the 'Company

LIFE DEPARTMENT.
A variety of Tables of Rates have been computed to accom,
modate- those classes of the community who may be desirous of
participating in the profits of the Incorporation, and a reduced
scale has been prepared for those who may wish to secwe a
specific sum iu case of premature decease.
PARTICIPATION OF PROFITS.
TWO-THIRDS of the profits are allotted at regular periods
to the insured, wiTtiouer BEING SUBJECT TO AN Y
DEDUCTION FOR CHARGES OF MANAGEMENT.
The first division will be made on the Ist January, 18.12. The
remaining one-third will, be reserved by the Incorporation as a
compensation for undertaking the whole expense of manage-
ment, and for the security afforded by their capital against all
possible contingencies.
The profit will be divided on (he most equitable principles,
in the proportion that each surviving person .has contributed
to the profit Fund.
A reversionary sum, equivalent to the present bonus, will,be
added to the original sum insured; or, a corresponding redttc-
tion will be Made fruni the future annual premiums.
The general accounts of the Incorporation are patent to the
insured,.but We individual transactions themselves are held aa
strictly private and confidential.
- REDUCED RA'I'LS. NO PROFITS.
To facilitate Loan transactions, a reduced scale of rates `as
been adopted, which will be . found particularly favOurable to
the insured, especially,for young and middled-aged persons,
SPECIAL RISKS.
Moderate rates are demanded for Insurance against the con-
tingencies_of foreign climates, military or naval service, find
voyages to distant countries ; also for healthy persons above the
age of 60, and for persons of all ages, afflicted with gout, asthma,
rupture, or other serious maladies.

Each Policy issued by the Company, makes it imperativ&ou
the Directors, in the event of doubts or difficulties arising; to
submit all such disputes or questions to arbitration ; while, for
the convenience of persons resident in England or Ireland, it
shall be competent for the Insured to sue the Corporation if ne-
cessary, by service of the proper Writ upon the Company's agent
at the place where the Insurance was effected.
Prospectus, detailing more particularly
.the various advantage&
offered by this Incorporation to the public, with_ Tables of the
Rates both for Life and Fire Insurance, may be obtained •by
applying to,
E. M. BRODIE, Agent for Liverpool,
Medical Referee, T. W. WAINWRIGHT.'

. •
TvaNstr and Hermit; Agit* for Maneltester.
Bretherton-buildings, North khn-strcet.