The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-10-17 00:00:00

'llsurante gotires.

TIE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.
ESTABLISHED IN 1836.
EMPOWERED BY ACT OF PARLIAMENT.
OFFICES:
8, WATER-STREET, LIVERPOOL,
CHARLOTTE-ROW, MANSION-HOUSE, LONDON.

The Directors beg to .r.cknowledge the steadily increasing
11PFort which this Institttion experiences, and to assure the
Public that, whilst the numerous and wealthy Proprietary
'enables them to offer most ample security for the fulfilment of
'the Company's engagements, the confidence,and preference
manifested towards it shall he met, as heretofore, by strenuous
'endeavours to facilitate the despatch of buziness, and by
liberality and promptitude in the settlement of claims.
By • THE FIRST Aar OF PARLIAMENT ,obtained by the
Company, it is expressly conditioned that the liability of the
'Shareholders under -the policies shall not be restricted by
Special contractor otherwise.
INSURANCES AGAINST FIRE
-Are undertaken on Preperty of every description in the United
,Ringdorn, the British Colonies, and in Foreign Countries; the
-Rates of Premium may be known on application.

LIFE INSURANCE.
The Directors continue to receive proposals for the sale and
-purchase of Annuities, Endowments, Reversions and contingent
Ipterests, and for Insurances on Lives. No Entrance or Admis-
*non Fees are regnired, nor is any additional-premium charged
to Officers in the Army or Navy, unless -celled into actual
service. Thelollowing are amongst the advantages held out
by the Company
Two SCALES OF PREMIUMS, ONE LOWER THAN THOSE OF
MOST OTHER COMPANIES; the other carrying GUARANTEED
4DPITIONS; Or entitling to GUARANTEED REDUCTIONS in the
'FUTURE PREMIUMS, On a plan entirely new and peculiar to
thls Institution.
"4Pecimen of the Rates for an Insitrance of -...?100 on a Single
Life, and of the Reduced Premium of Policies taken out on
the Bonus Scale:—

For whole a Life. Reduced
Age Without Bonus. With Bonus. Premium
--- instead of
when
Insured Yearly. Half do. Yearly. 11.5.1 f do. Bonus.
s. d. s. d. s. d. d. s. d.
30 2 2 6 1 111 2 9 5 1 5 6 112 9
35 2 8 6 1 5 0 216 5 1 9 1 117 4
40 216 3 1 9 0 3 5 5 'll3 8 2 2 9
45 3 6 4 114 2 317 2 119 9; 210 0
50 319 '8 2 I 0 412 71 -.2 7 9, 219 1
specimen of the Addition to the Sums Insured in the case of
Policies of -el,OOO each, to be taken out at the Bonus
Premiums.
First By the addition of the further
Age Bonus Then Decennial Bonus, the amount
when Annual payable in .case of death will
ins,,," after Ten Bonus. be,—after
Payments
20 Years. 39Zears. 40 Years.
s. d. s. d. I .4' s. d. -s. d. s. d.
80 90 8 4 90 10 ;1271 5 0 154210 0 1904 3 4
85 94 11 8 99 2 ,1283 15 0 1567 10 0 1945 16 8
40 101 13 4 10 3 4 1305 0 0 1610 '0 0 2000 0 0
45 107 1.8 10 14 2 1321 5 0 1642 10 0 2000 0 0
80 116 13 ,4 11 13 4 1350 0 0 1700 .0 0 2000 0 0

Lbe SCALE of REDUCTIONS which are guaranteed ranges
fr,
aral to 52 per cent. on the amount of Premium, and the
`'ults contingent only on the continuance of the life doubles
the amount of Policy.
4, No I.lmmrry of Partnership, these reductions and addi-
"ons not being contingent upon Profits.
PoLtniEs are issued for the Half Premium system, and on
an ascending scale.
_ 1113.12,ENDERS of POLICIES are accepted on very liberal
terms; and claims are paid within three month after satis-
factory proof of death.
INSURANCE OF CAPITAL SUMS.
The Directors are prepared to receive applications for Poli-
cies, whien, though available for many other purposes as well,
Will have the effect of rendering Property held under Lease for
rears equivalent to Freehold for all purposes of mortgages or
Investment. The following Table will afford
Specimens of the Prendu;n for the Insurance of .elooo,payable
after the lapse of a given number of vans.
Tears• Rate. 1 Years. 1 Rate. I Years. 1 'Rate.

ears. Rate. Years. Rate. I Years. 'Rate.
.e s, d. s. d.
.e s. d. I
99 116 8 60 610 0 40 13 ;17 6

AGENCIES.—The Directors are prepared to receive applica.
lions for Agencies in Towns and districts in which ,appoint-
luents have not yet been made. No application will be atteinled
10 unless accompanied with unexceptionable references.
SWINTON BOULT, Secretary to the Company.
BENJ. HENDERSON, Resident Secretary in London.

COTTISH AMICA•ThLE LIFE ASSURANCE
SOCIETY.

HEAD OFFICE-141, BUCHANAN-STREET, GLASGOW.

PRES' DEIVT.
• The Right Hon. the EARL.of DALHOUSIE.

VICE-PRESIINENTS.
J. C. COLQUHOUN, Esq., of Killermont.
His Grace the DUKE of BUCCLEUCH.
sir CHARLES DALRYAIPLE FERGUSSON, Bart.
EXTRAORDINARY DIRECTORS.

VI. L. Ewing, Esq., of Arngo-
men%
Alex. Thomson, Esq., Bank,
Greenock.
John Scott, Esq., Union Bank,
Paisley.
John Marshall, Esq., Advo-
cate.

William Cross, Esq., Borough
Bank, Liverpool.
William Stirling, Esq., Ken-
inure.
Rev. Dr. Cumming, London.
Right Hon. Lord Gray.
Sir Adam Hay, Bart.
Carlyle Bell, Esq., W.S.
DIRECTORS.
Andrew Mae Ewan, Esq., Ac-
countant.
Graham Russell, Esq., Mer-
chant.
Mark Sprot, Esq., of Gam-
kirk.

ORDINARY
Thomas Cal'ander, Esq., Mer-
chant.
Elias Gibb, Esq., Merchant.'
John Pasley, Es. Merchant.
Rev. James Barr,D.D.
A. Forbes, Esq., Town Clerk.

N.B.—ln terms of the Constitution, the President, Vice-
President and Directors, Ordinary and Extraordinary, must
be Members of the Society, by holding Policies of Assurance
for Life with it of more than three years' standing.

. Investigations are made every Seven Years, which is consi-
dered to be favourable for obtaining a proper result of Claims,
Whilst all the benefits of an Annual Division are secured by
Provision being made at each Investigation for further annual
additions to those parties who may die betwixt the Investiga-
tions. The following are
EXAMPLES OF THE ADDITIONS MADE AT THE LAST
INVESTIGATION, AS AT 31ST DECEMBER, 1846.
To a Policy of .t'looo, which had by additions et
previous Investigations been increased to £1221 0 6
-there were added Retrospective additions for
seven years l7O 18 10

Making the amount then payable under the Policy £1391 19 4
And provision was made for payment of a further annual pro-
spective addition of £27 12s. 9d., if the Policy emerge prior
to next Investigation, as at 31st December, 1853.
To a Poiicy for £lOOO of seven years' duration, an addition
was made of £l4O, with a further provision for payment of
a prospective annual addition of £22 16s. for each additional
Year's existence of the Policy, if it emerge prior to next In.
vestigation.
A.° a Policy for £lOOO of six years' duration, £l2O was added,
• and provision was made for a similar prospective annual
addition of £22 Bs.
And so to Policies of less duration, additions were made at the
rate of 2 per cent., or £2O on a £lOOO Policy, for each year's
duration of the Policy, and provision made for payment of a
prospective annual addition of 2 per cent., both on the ori-
Rinal sum assured, and the retrospective additions then de-
ared : These additions becoming exigible pn every Policy
which emerges after being in existence years.
„ oams OF PROPOSAL, PROSPECTUSES, and pyery informa-
tion May be obtained from the
AGENT IN LIVERPOOL.
WILLIAM TARDET,

IMPORTANT TO LADIES.
THE GENUINE AND POPULAR MEDICINE.
PATRONISED BY THE QUEEN.

HE highand universal celebrity which ATKIN-
' SON'S ROYAL INFANT'S PRESERVATIVE continues
to maintain, as a safe and agreeable medicine, renowned for its
efficacy in preventing or removing the disorders to which in-
fancy is liable, affording instant relief in convulsions, flatulency,
affections of the bowels, difficult teething, the thrush, rickets,
measles, he:ming-Cough, cowpox, or vaccine inoculation, and
may be given with safety immediately after birth. It is no
misnomer cordial !—no stupefactive, deadly narcotic !—but a
veritable preservative of infants ! Mothers would do well in
always keeping it in the nursery. Many thousands of children
are annually saved by this much-esteemed medicine, which is
an immediate remedy, and the infants rather like it than other-
wise. In short, whether this medicine enters the palace or the
cottage, the proprietor feels an honest conviction of its power
to assuage maternal pain for infant suffering—to convert that
pain into gladness. that suffering into balmy repose. It is
equally efficacious for children or adults, in English cholera,
spasms, pain into the bowels, and other complaints of the in-
testines, owing to wind or obstructions in the digestive organs.
It is highly recommended by the faculty.
Prepared and sold by ROBERT BARKER. 34, Greeigate, Sal-
ford, late I, Market-place, Manchester, (Chemist to Her Most
Gracious Majesty Queen Victoria,) in bottles at Is. lid., 2s. 9d.,
and 4s. 6d. each. The 4s. Gd. bottles contain seven times, and
the 2s. 9d. three-and-a-half•timesthe quantity of those at Is. lid.
each. Sold by all the Patent Medicine houses and Wholesale
Druggists in London, York, Liverpool, Leeds, Wolverhampton,
Coventry, Dublin, Edinburgh, &c. ; also by all Druggists and
Medicine Vendors throughout the United Kingdom.
CA p,rooN.—Observe the name of " ATKINSON AND
BARKER,' pii the Government Stamp. PtAl4i*ned in the
year 1793,