SCOTTISH PROVIDENT INSTITUTION, Edinburgh, 6 St. Andrew Square; London, 17 King William St., E.C. Instead of charging of periodical Bonuses, it safety bear-reserving t Fund from loss. er thau are n n the first as lar YON, of Thar kerton, MOP Offices. the excess in the shape ace as the Premiums will with ole surplus for those who have lived to secure the Common A Policy for £1,200 to £1.250 may thus at most ages be had for the premium usually charged (with Profits) for £1,000 only; while by reserving the Surplus, large additions have been given--and may be expected-on the Policies of those who live to participate. At last Septennial Investigation (1887), notwithstanding the moderate Premiums charged, the SURPLUS declared was £1,051,035. First adoitions were (with a few unimportant exceptions) from 18 or 20 to 34 per cent., according to age and class. Other policies were increased 50 and 80 per cent. The system is one specially suited for FAMILY PROVISIONS. It secures for the Premium paid the largest Assurance during the period when a family is most dependent, and it returns the whole Surplus to those who have proved Good Lives The Bonuses to Policies participating, which became claims last year, averaged 49 per cent. Septennial Progress of the Institution. The INCREASE OF FUNDS in the last Seven Years (over 2 millions) is greater than in any other Office in the Kingdom-due in great measure to the exceptionally low cost of management, the ratio of which to PREMIUMS is under 10 per cent. THE ACCUMULATED FUNDS EXCEED £7,000,000. £ s. d. 2 610 2 14 9+ 2 12 6 T £ 3 59 4 I 7 2 1 6* 4 12 1 | During Life A person of 30 may secure £1,000 at Death (with profits) by a yearly payment, during life, of £20. 15s., which would generally elsewhere secure (with profits) £800 only, instead of £1,000. OR, he may secure the same sum by 21 payments of £27. 138. 4d.-being thus free of payment after age 50. At age 40 the Premium, ceasing at 60 is, for £1,000 (with Profits), £33. 14s. 2d., being about the same as most Offices require during the whole term of life. Before these Premiums have cerised, the Policy will have shared in at least one division of profits. FOREIGN RESIDENCE.-Policies (not Seafaring or Military, for which special arrangements may be made) are WORLD-WIDE after five years-provided the Assured has attained age 30. REPORTS, with full information and TABLES of RATES, may be had on application. JAMES WATSON, Manager. J. MUIR LEITCH, London Secretary. BACON, The Right Hon. Sir JAMES. The Hon. Mr. Justice KEKEWICH. Sir JAMES PARKER DEANE, Q.C., D.C.L. DIRECTORS. BROOKS, WILLIAM, Esq. (Basingstoke). DEANE, Sir JAMES PARKER, Q.C., D.C.L. GARTH, The Right Hon. Sir RICHARD. KEKEWICH, The Hon. Mr. Justice. LOPES, The Right Hou, the Lord Justice. MATHEW, The Hon. Mr. Justice. MORRELL, FREDC. P., Esq. (Oxford). RIDDELL, Sir W. BUCHANAN, Bart. SMITH, The Right Hon. Sir MONTAGUE E. PERFECTED SYSTEM LAWRENCE, GRAHAM, & LONG. OF LIFE ASSURANCE. ADVANTAGES: FREE. BANKERS. THE LONDON BANK. SECURE PHYSICIAN. THOMAS T. WHIPHAM, Esq., M.B. ACTUARY AND MANAGER. NO CONDITIONS. 1. Policies free from all Restrictions and Conditions. 2. Guaranteed Surrender Values. 3. Automatic System for Protection of Loans from Forfeiture, Loans made on Reversionary and Life Interests on Moderate Terms, which are also purchased at favourable prices. 10 FLEET STREET, LONDON, E.C. |