The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1842-03-18 00:00:00

Insltraitre 3otirts.

NATIONAL LOAN FUND ASSURANCE SOCIETY,
for granting Life Assurances, Deferred Annuities, &c.
&c., CoaNIIILL, London.—Capital, £soo,ooo.—Empowered
by Special Act of Parliament.

DIRECTORS.
T. Lamie Murray, Esq., Chairman.
John Elliotson, M.D., F.R.S. John Rawson, Esq.
John Griffith Frith, Esq. John Riddle Stodart, Esq.
H. Gordon, Esq. Clement Taybor, Esq.
George Langley, Esq. Joseph Thompson, Esq.
Auditors—Professor Wheatstone, F.R.S. ; Professor Graves,
A.M., F.R.S.
Actuary—W. S. B. Woodhouse, Esq.. F.R.A.S.
Physician—J. Elliotson, M.D., F.R.S.
Surgeon—E. S. Symes, Esq.
Sweet, Sutton, Ewens, and Ommanney,
6, Basinghall-street.
Messrs. Glyn, Halifax, Milk and Co.
LIFE ASSURANCE.

Solicitors—Messrs

Bankers—:

Advantages.—Perfect security from a large paid up Capital
and accumulations—Equitable Rates—Power to Borrow two-
thirds Premiums paid, without expense or forfeiture—and
Profits annually divided.
N.B.—Policies for short periods, at lower Rates than at
any other Office, with option of continuance for Life, at the
usual Rates.

DEFERRED ANNUITIES

The best and most varied provision for after life hitherto
offered—X2 12s. per annum (Is. a week) at 20, will at 65,
givethePolicy-holder the choiceof an Annuity of £47175. 6d.,
or .f. 349 Ils. cash, or Policy at death of £166. Similar ad-
vantages at 50, 55, and GO—two-thirds payments less at any
time, and two-thirds returned in case of premature death.
The detailed Plans and last Annual Report to be had at the
Office, at any of its Branches, or, on application, will be
forwarded post-free.
F. FERGUSON CAMROUX, Secretary.

AGENTS :
Liverpool—JAS. IRVINE, Esq., 28, South Caatle-street.
Mr.nchester—Messrs. DUFFIELD and LOFTHOUSE,
6, Princess-street.

SCOTTISH PROVIDENT INSTITUTION FOR LIFE
ASSURANCE AND ANNUITIES.

Edinburgh, No. 14, ST. ANDREW-SQUARE
Glasgow, No. 141, BUCHANAN-STREET.

THE FOURTH ANNUAL MEETING of the mem-
bers of this Institution was held on the 16th of February
last, within the Waterloo-rooms,
ALEXANDER JAMIESON, Esq., Master of the Merchant
Company, in the Chair.

The Report by the Direct Ors contained the following state-
ments :

" The progresS of the Institution in the past year has been
most gratifying in all respects, and the Directors have much
satisfaction in now laying the result of their proceedings be-
fore the Contributors.

" During the twelve months no less than 306 new Policies
have been opened, being an increase of 104 upon the Polices
of 1839, and of 28 upon those of 1840. The sum assured by
these new Policies (independently of Annuities) is £140,141.
and the Annual Premiums payable on them amount to £3699.

" The mortality during last year has been unprecedentedly
low, and it has occurred among the smaller class of Policies.
Of the whole number of members assured only three have
died, the sums in whose policies amount to £550. The ex-
perience of the Institution in this respect has been through-
out extremely favourable, only nine deaths having occurred
since the commencement, being just two-fifths of what is
calculated on and provided for by the Tables on which its
premiums are founded. According to the Northampton
Table, on which the Rates of the older offices proceed, in-
stead of nine, no less than thirty-three deaths might have
been expected.

" In the Annuity department of the business one death
has occurred in the year, whereby a sum of £378, which had
recently been sunk, has fallen in. If this annuity is taken
into view, the whole sums payable on lapsed policies in the
last twelve months amount to no more than £172.
" While such has been the prosperity of the Institution,
the Contributors will bear in mind that the year just closed
has been one of great depression in almost every branch of
business. Circumstances have thus been most unpropitious
for the extension of Life Assurance; and this, the Directors
believe, has been pretty generally experienced by Assurance
Companies, both in the decrease of new transactions, and in
the surrender of existing policies. There is no doubt that
this unfavourable state of matters must also have retarded
the progress of this institution but still the gratifying fact
remains, that the business of the past, considerably exceeds
that of any previous year."

The folloWing gentlemen were unanimously appointed
Directors in room of the three who retire by rotation :
JOHN CADELL, Esq. of Tranant.

ROBERT HUNTER, Esq. Advocate, Sheriff of Bute,
CHARLES LAWSON, Esq. Seedsman.

THE SCOTTISH PROVIDENT INSTITUTION
is the only Office which combines the advantages of MU-
TUAL ASSURANCE AND PARTICIPATION IN THE WHOLE
SURPLUS with MODERATE PREMIUNS.
ANNUAL PREMIUM TO ASSURE £3OO AT DEATH.

Age 25. 30 35
£1 18 0 £2 1 6 -£2 6 10

I 45

£2 14 9 I £3 5 9 I £4 1 7

The Premiums may be made to cease entirely, after a
limited number of payments. Those payable for 21 years
wag, will be found nearly the same as most Offices require
for the whole of life—however long.

NO ENTRY-MONEY CHARGED.
COMPARATIVE TABLES of the Premiums of all the
Scottish Offices. Prospectus containing Full Tables, Reports
of the Annual Meetings of the Members, Forms of Propo-
sal, and every information may be had at the Office, or from
any of the Agents. JAMES WATSON, Manager.
Edinburgh, March, 1842.
AGENT FOR LIVERPOOL.
CHARLES MURRAY, No. 2, High-street, Exchange.
MEDICAL OFFICER.
DR. MOFFAT, Abercromby-square.

S.
LEEDS—WILLIAM M.AGENT MOFFAT, Architect.
B 1 RMINGHAM—CHARLToN BROTHERS, Iron Factors,