The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1846-10-13 00:00:00

LIFE BRANCH.

Extract from Rates of Premiums for the Whole of Life.
.e s. d. .e s. d.
Age. With Profits. Without Profits.
15
20 1 19 4 1 14 11
25 2 4 9 1 19 7
30 2 9 9 2 4 10
35 2 16 2 2 11 0
40 3 4 1 2 IS 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 Term of ONE YEAR, SEVEN YEARS, or any other de-
finite period.
For the WHOLE CONTINUANCE 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 SURVIVORSH IFS to secure the payment of the Sum As-
sured, if a Life A die before another Life B.
The important advantages offered the pompany in the Life

Branch will nchide the following, viz:—
THE GUARANTEE OF A N 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.—This 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 UNNEdESSARILY
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.
Ist.—By an immediate payment of the snm go apportioned;

24.-13 y an equivalent reiluetion of the future premiums; or
34.—8 y 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. . _

--iiESIDENCE 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 is
fixed OR 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 10s. 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
Stam.
Thep usual Commission allowed to Solicitors.
The Directors likewise beg to announce that they hare 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 a limited numher of years, as
may be agreed upon. PERCY M. DOVE, Manager.
Reptember, 1846.
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 else Where, it being their deter-
mination only to appoint Agents possessing those qualifications.
FIRE POLICIES due at MICHAELMAS should be paid on or
before the 14th of October.

MANCHESTER LIFE ASSURANCE COMPANY.

PELICAN LIFE INSURANCE OFFICES.

T.BEG most respectfully to return my .warmest thanks
to my numerous Friends who have favoured me with their
support in the various concerns for which I have acted as
Agent during a period of thirty-four years, but more particu-
larly in the Manchester Fire and Life Assurance Company, to
-which Office I was appointed sole Agent in this town in 1824,
at the period of their establishment, and have so acted up to a
'very recent period.
The Manchester Office having made a very judicious arrange-
• ment with the Pelican Life Office, by which a transfer of. the
Life Department has been made to them, I have to announce
that I have been appointed their Agent in this town, and that
the business of the Fire Department in the Manchester Assur-
ance Company will still be carried on in my Office.
-The advantages to the Proprietors of the late Manchester
Fire and Life Assurance Company are evident from the in-
creased value of their stock, which has advanced from &II per
Share to £l7 ss. per Share.
The Bonus returned to the Assured of Ten per Cent. on the
Premiums paid on Fire Insurances is an advantage offered by
few.

The Bonus to be added to the Life Policies in the Pelican
Life, Insurance Office is in anticipation sof the profits, which
otherwise could not have been realized till the year 1849.
In requesting a continuance of that support which has been
so liberally extended to me, I beg to assumall my friends that
it will be my earnest endeavour to protect their interest in the
faithful discharge of my duty, in promoting not only the inte-
rest of the Offices I represent, but also that of the Assured.
I remain, your obliged servant,
RICHARD DAWSON.
Office,,,No. 10, Exchange-alley, Liverpool,
October 10th, 1846.

MUTUAL ASSURANCE, COMBINED WITH

MODERATE PREMIUMS.

" If the 'Premiums were really too low, Capital would be an
injury, and,not a benefit; for, since this Capital is really paid
for, in wholoor in part, out of Premiums, it-would not preserve
the office from insolvency, but would rather accelerate its
_pro-
gress tovranis-,hankruptcy."—Essay on Probabilities, by Pro-
essor De Morgan.

THE SCOTTISH PROVIDENT • INSTITUTION,
for ASSURANCE and ANNUITIES on LIVES.

HEAD OFFICE :
EDINBURGH, Xo. 14, ST. ANDREW-SQUARE.
JAMES WATSON, MANAGER.

INTENDING ASSURERS are requested to examine the
provisions of this .Association. The Directors continue fre-
quently to receive proposals from parties who had assured with
other offices, without due consideration, and who find they will
even now be gainers by surrendering these Policies, and open-
ing new ones hi this Office.
AS COMPARED WITH PROPRIETARY OFFICES,

This Institution possesses (in common with other Mutual
Offices) this essential advantage, THAT TILE WHOLE PROF ITS
BELONG TO, AND .ARE DIVISIBLE AMONG, THE POLICY-
HOLDERS ; while the Premiums are at the same time as low as
by the Von participating scale of any of these offices. The
large dividends drawn by their shareholders suflicieitt'v prove
'bow important it is that the profits should be secured to the
Assured themselves. The following are its advantazes,
AS COMPARED WITH OTHER MUTUAL OFFICES :
-la, Premiums at Early and Middle Ages about a Fourth
lower.

2d, A more accurate adjustuzekt of the rates of Premium to
the several ages.
3d, A principle in the division of the surplus more safe,
equitar-de, and favourable to good dives; and
4th, Exemption from Entrance.maney.
The meanie other provisions have,been framed with an exclu-
sive view to the common benefits of the Members, and are as
liberal asli due regard to -.safety and right principles will admit.
More full explanation will be found ih the Tables and Annual
Reports, copies of which may be had on application to
WILLIAM HASLETT and Co., 13, OLDHALL-STREET,
General and Commission Merchants,
Agee ts for Liverpool and the Neighbourhood.
MEDICAL OFFICER :
Dr. MOFFAT, 37, Bedford-street North.
LOENT FOR IKANCIIESTER :
F. P. RICKARDS, Commission Agent, Byrom's-court,
St. Mary's-gate.
SECRETARY AND AGENT FOR LONDON :
J. R. LEIFCIIILD, No. LI, Moorgate-street.

Annual Premium Payable
during the whole Life
for Assurance of

Premiums payable for 21
years only. The party
insured still retaining
his interest in the Policy.

s. d.
15 8
1 18 0
2 1 6
2 6 10
2 14 9
3 5 9
4 1 7
5 1 11
6 7

JOHN GOSNELL AND CO.,
WHOLESALE PERFUMERS,
LONDON AND LIVERPOOL.

MERCHANTS, SHIPPERS, and the TRADE may
be Supplied Wholesale with every description of
FASHIONABLE PERFUMERY,
FANCY SOAPS, HAIR BRUSHES, COMBS, &c.,
AT
JO:IN GOSNELL AND CO.'S
BRANCH ESTABLISHMENT,
13, RUMFORD-PLACE, LIVERPOOL.
JOHN GOSNEI.L and CO. would call the particular atten-
tion of Shippers to the unrivalled character of their FASHION-
ABLE PERFUMERY, which is prepared expressly to suit the
Markets of North and South America, India, and the West
Perfainary and Fancy Soap Manufactory, 12, Three
King Govt, Lombard-street ; liondon.
Hair Brush Matilfactory, GS, Upper Thames-street,
13? Rumford-place F . , iyerpooi?