The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1843-10-31 00:00:00

inOuranct ntirro.

ROYAL FARMERS' AND GENERAL FIRE AND
LIFE INSURANCE INSTITUTION.
EMPOWERED BY SPECIAL ACT OF PARLIAMENT.
CAPITAL, .e 500,000.

OFFICES, STRAND, LONDON.

HONORARY DIRECTORS.
Duke of Rutland, K.G. Viscount Torrington
The Earl of Stamford and Viscount Campden.
Warrington. Lord Rayleigh.
Earl of Stradbroke. Lord Fevers ham.
Earl Ducie. I Lord Stanley, M.P.
Earl of Stair.

And Seventy-two other Members of Parliament and
Gentlemen.
THE Proprietary of this Company exceeds 1960 in
number.

The share of Public Favour this Institution has obtained
proves the appreciation of its system by a numerous body
of insurers.

Every kind of Life Insurance, of Deferred and Imme-
diate Annuities, and of Endowments for Children, may
be accomplished at this Office on terms as low as is con-
sistent with security.

A Dividend of Four per Cent. is now in course of pay-
ment to the shareholders in this office. A BONUS of
one-half the profits on LIFE POLICIES held by Share-
holders, and effected since the Ist January, 1843, will be
given at the end of every Five Years, by addition to the
sum assured, or by reduction of premium. In order to
insure the benefit of the first quinquennial division, Po-
licies must be effected before the Ist January, 1844.
Detailed Prospectuses may be obtained at the Office, or
will be forwarded, post free, upon application.
In the Fire Department, Insurances are effected at the
lowest rates. The usual Commission to Solicitors.
Agents are appointed in all the Principal Towns in the
Kingdom, and where Agents are not appointed, persons
in active life, and desirous of being appointed, may apply
to W. SHAW, Managing Director.

BRITISH COMMERCIAL LIFE INSURANCE
COM PANY,
No. 35, CORNHILL, LONDON.
Established in 1820.
INCORPORATED BY ACT OF PARLIAMENT.
CAPITAL £600,000.
PATRON—His Royal Highness the Duke of Sussex.
DIRECTORS.
_

Sir Robert Alexander, Bart. Sebastian G. Martinez,Esq
Thomas Benson, Esq. Archbd. Fred.Paxton,Esq.
John Cattley, Esq. Wm. Henry Porter, Esq.
John Cox, Esq. I Denzil I. Thomson, Esq.
George Green, Esq. Geo. H .Weatherhead,M. D
Managing Director—E. Fernie, Esq.
Actuary—J. Goddard, Esq.
Auditors—T. Gorton, Esq. D. Grove, Esq.
Physician—Septimus Wray, M.D., Salisbury-square,
Fleet-street.

Bankers—Messrs. Glyn, Halifax, Mills, and Co. London.
THE Directors offer to the Public two modes of In-
surance,—the one securing a fixed amount without
profits, on payment of a low Annual Premium—the other,
entitling the Insurer to participate in the profits on pay-
ment of a higher rate.

At the septennial division in December, 1835, a:Bontts
of £26 is. 10d. upon the premiums paid was declared
amongst the Insurers on the high Scale, and at thegseconil
sexennial division up to December, 1841, another Bonus
was declared, averaging £3O 1 Is. per Cent. on the Pre-
miums paid.

Insurances for one and seven years effected at very re-
duced rates.

One-third of the Premiums on Insurances for the Whole
of Life is permitted to remain unpaid for the first seven
years, and is then continued es a nrrmanene loan ;r Flo

Persons going to any part of the world and all special
risks are insured at adequate premiums.
The Company's Policies are purchased at their full
value. Claims are paid in three months after satisfactory
proof of death.
Tables of Rates, with every information, will be given
by the undernamed Agents.

By order of the Board,
EBENR. FERNIE, Managing Director,

LOCAL COMMITTEE FOR LIVERPOOL.
Joseph Cooper, Esq. St. James-street
Joshua Henshaw, Esq.
James Johnson, Esq.
William Geddes, Esq. Temple-place.

MEDICAL REFEREE.
Thomas Blackburn, Esq., Camden-street

AGENTS.
Messrs. SHORTHOUSE and HADDEN,
1, Dale-street

SCOTTISH (WlDows' FUND) ASSURANCE
SOCIETY,
CONSTITUTED BY ACT OF PARLIAMENT.
ESTABLISHED A.D. 1815.

GENERAL PRINCIPLES OF THE SOCIETY.
TIIE Principles of this Society are those of Mutual
Assurance, or, as it has been more properly termed,
Mutual Contribution. The Members are their own As-
surers. They are the Proprietors—the Sole Parties in-
terested in the Funds—and, although by the Articles of
Constitution, no Member is personally responsible for
any Sum of Money beyond the Contribution conditioned
to be paid by him in his Policy, the stability of the Society
is amply provided for and secured by the salutary Regula-
tion,—That at each Period of Investigation, one-third of
the ascertained Profits shall be set aside and retained as a
Guarantee Fund.

PRACTICE OF THE SOCIETY.
Whilst this Society owes very much unquestionably to
the Equity of the Rules and Principles upon which it has
been Established, some share of its Popularity is attr;
butabl

_cable to the manner in which these Rules and Principles
are practically carried out. The Tables and Calculations
are all founded upon data which the long and successful
experience of the Equitable Society of London has show■
may confidently be relied upon as safe.
Although almost universally practised by other Offices,
and although it unquestionably adds considerably to their
Business, the System of Bribing Parties unconnected
with their Office, by the offer of a Commission on all
Business introduced through their medium or influence, is
not countenanced by this Society. The Directors have al-
ways looked upon it ks a practice which, for many reasons,
is equally to be deprecated in die Company or Society
offering, and in the party accepting the bribe.
One of the great characteristics of the Society is the li-
beral, punctual, and simple manner in which the Claims
are settled, combined with the very great care bestowed
by the Directors (with the advice and assistance of the
Medical Officers) in the Selection of Lives. Instead of
affording every facility to parties to join the Society, and
afterwards throwing all manner of unnecessary obstacles
in the way of settlements, when the claim emerges, the
Directors proceed upon the opposite principle of being
most cautious and particular in their inquiries before ad-
mitting Members to the Benefits of the Society ; but,
after being admitted, they are entitled to all the advantages
which the Society affords; and when the claim emerges,
no undue delay takes place, and no difficulties which can
be avoided are interposed to prevent an easy and expedi-
tious settlement.

The utmost care is bestowed upon the Investment and
Accumulation of the Funds ; many advantageous oppor-
tunities, which are not open to others, being afforded t•
this Society, in the large Amount of its Capital, and its
rapidly increasing Annual Revenue.
Forms of Proposal, and all further information, may
be had on application at the Head Office, or at any of the
Society's Agencies.

JOHN MACKENZIE, Manager
5, St. Andrew-square, Edinburgh.

BELL, GOULDIE, and Co., Exchange-place,
Agents for Liverpool.

TEMPERANCE IN THE METROPOLIS.—II appears that,
in the year 1742, there were within the bills of mortality
20,000 houses and shops in which gin was sold by retail.
In 1840, the number of publicans and hotel-keepers, who,
though they deal in spirits, retail far greater quantities of
porter, ale, wine, &c.—was only 5,8-10; yet the popula.
ion of London has, since 1742, nearly trebled ! To the
temperance movement, and the increased number of
cheap and convenient coffee-houses, this improvement is
attributable.—Chambers' Journal.
AN ARMY AGENT.—Daniel O'Connell begs to inform
Continental monarchs generally, and the Duke of Bor-
deaux (" Henry the Fifth") in particular, that he haslon
hand an immense stock of materials
from' which he can,
" in forty-eight hours," furnish an Irish brigade. Throats
cut at so much a day ; a great allowance made if a quan-
tity required. Cities set in conflagration with ease and
despatch ; and all the varieties of war executed with
punctuality and precision. Colours warranted not to rnn.
Punch. •