EQUITABLE ASSURANCE OFFICE, NEW BRIDGE STREET, BLACKFRIARS. Directors. THE RIGHT HON. LORD TREDEGAR, President. CHARLES CURLING, Esq. SIR WALTER CHARLES JAMES, Bart. WILLIAM F. POLLOCK, Esq. CHARLES POTT, Esq. JAMES SPICER, Esq. JOHN CHARLES TEMPLER, Esq. H. S. H. WOLLASTON, Esq. The EQUITABLE, established in 1762, was one of the earliest Offices on the Mutual principle. The entire profits are divisible among its members, no portion of the same being diverted either for dividends on shares, as in "proprietary" offices, or for "commission' to agents. During the century of its existence it has paid £16,460,000 in claims, and £15,260,000 for bonuses on the same. The Invested Capital on the 31st of December, 1862, exceeded £5,000,000 sterling. The reserve at the last rest, in December, 1859, exceeded £770,000, as a basis for future divisions. Under the bye-law of the 19th of December, 1816, the oldest 5,000 policies are admitted to participation in the bonuses. New Assurers in the current year (1864) will be placed among that number after payment of their first premium, and will become entitled to a rateable share in the bonus to be made in December, 1869, and in all future benefits of the Office. Surrender of Policies.-The full value is paid on surrender, without any deduction. Loans on Policies.-The Directors will make advances on deposit of the Policies. TABLE OF ANNUAL PREMIUMS for assuring the sum of £100 upon the Life of any Healthy Person from the Age of Eight to Sixty-seven. A Court of Directors is held every Wednesday, from Eleven to One o'clock, to receive Proposals for new Assurances; and a Short Account of the Society may be had on Application, personally or by post, at the Office. EQUITY AND LAW LIFE ASSURANCE SOCIETY, 18, LINCOLN'S-INN FIELDS, LONDON, W.C. Solicitor.-GEORGE ROOPER, Esq., 26, Lincoln's-inn Fields. The available ASSETS of the Society on the 31st December, 1862, after allowing for every known claim, amounted to 350,780l. 6s. 5d. The INCOME of the year 1862 was 72,382l. 10s. 10d., and the OUTGOINGS were 30,9377. 19s. 10d.; the difference, viz., 41,4447. 11s. 0d., or 57 per cent. of the total income, being added to the Assurance Fund, as the result of the year's transactions. The REALIZED PROFITS are ascertained every five years; and NINE-TENTHS of the whole are divided among the Assured. NEW INSURERS participate in the Profits on equal terms with the old Members. The BONUSES may either be added to the sum assured or applied to reduce the premium payable; or the value may be received in Cash. The PREMIUMS are calculated for every half-year of age. The EXPENSES OF MANAGEMENT amount only to FIVE AND A HALF per cent. on the Income. The ANNUAL REPORTS and ACCOUNTS are regularly printed, and may be obtained, together with any other information required, on application to the Secretary. The following TABLE shows the Amounts of the Bonuses added to Policies of 1,000l. on which Five Annual Premiums had been paid on 31st December, 1859: GUARDIAN FIRE AND LIFE ASSURANCE COMPANY, No. 11, LOMBARD STREET, LONDON, E.C. ESTABLISHED 1821. SUBSCRIBED CAPITAL, £2,000,000. Directors. Sir MINTO FARQUHAR, Bart., M.P., Chairman. HENRY HULSE BERENS, Esq. Sir WALTER R. FARQUHAR, Bart. G. J. SHAW LEFEVRE, Esq. FREDERICK H. JANSON, Esq. Auditors. LEWIS LOYD, Esq. CORNELIUS PAINE, Jun., Esq. THOMAS TALLEMACH, Esq., Secretary. HENRY SYKES THORNTON, Esq. SAMUEL BROWN, Esq., Actuary. Physician.-Dr. J. RUSSELL REYNOLDS, 38, Grosvenor Street. Solicitors.-Messrs. PARKIN and PAGDEN, 5, New Square, Lincoln's Inn. LIFE DEPARTMENT. Under the Provisions of an Act of Parliament, this Company now offers to new Insurers EIGHTY PER CENT. OF THE PROFITS, AT QUINQUENNIAL DIVISIONS, OR A LOW RATE OF PREMIUM, without participation of Profits. Since 1821, Reversionary Bonuses of £1,058,000 have been allotted to the Assured out of Profits. At Christmas, 1859, the Life Assurances in force, with Bonuses, amounted to £4,730,000, the Income from the Life Branch £207,000, and the Life Assurance Fund (independent of the Capital) £1,618,000, while the total claims paid (independent of Bonuses) amounted to £3,247,145. Example of Annual Premiums for the Assurance of £100 on Death, Insurances effected on every description of Property at home and abroad. Annual Premium for £100 on Ordinary Risks is 1s. 6d. The annual Duty on £100 in every case Policies are issued free of every charge except for Premium and Annual Duty, when the Premium amounts to 5s. is 38. No expense in transferring from another Office. settled. Claims liberally and promptly GENERAL LIFE AND FIRE ASSURANCE COMPANY, The new Life Business of the last Quinquennial Period, which closed 31st December, 1862, was 148 per cent. more than that of the preceding similar term; while the Fire Premiums were 185 per cent. more. A Bonus of 22 per cent., equal to a Reversionary Bonus of from 30 to 60 per cent., according to the age of the Assured, has just been declared. Distinctive Features. Prompt settlement of Claims, entire freedom of the Assured from responsibility, and the guaranteeship of a Capital of £1,000,000. LIFE.-Policies assigned as Security not forfeited by Duelling, Suicide, or the execu. tion of Judicial sentences. Policies valid though the Assured die within the days of grace, prior to payment of the Renewal Premium. FIRE.-Houses, Furniture, Stock-in-Trade, Farming Stock, Mills, Merchandise, Rent, Shipping in Docks, and other Risks, insured at moderate rates. Premiums for renewal of Fire Policies received during the days of grace, whether a Fire has occurred or not, unless advised that renewal was not intended. LOANS are advanced on personal security, and the deposit of a Life Policy. A Liberal Commission allowed to Solicitors, Auctioneers, and Surveyors. IMPERIAL LIFE INSURANCE COMPANY, 1, OLD BROAD STREET, LONDON, E.C. Profits.-Four-fifths, or eighty per cent., of the profits are assigned to Policies every fifth year. The assured are entitled to participate after payment of one premium. Bonus.-The decennial additions made to Policies issued before the 4th of January, 1842, vary from £78 to £16 15s. per cent. on the sums insured, according to their respective dates. The Quinquennial additions made to Policies issued after the 4th of January, 1842, vary in like manner from £28 178. to £1 58. per cent. on the sums insured. Purchase of Policies.-A liberal allowance is made on the surrender of a Policy, either by a cash payment or the issue of a Policy free of premium. Loans.-The Directors will lead sums of £50 and upwards on the security of Policies effected with this Company for the whole term of life, when they have acquired an adequate value. Insurances without participation in profits may be effected at reduced rates. Prospectuses and further information may be had at the Chief Office, as above; at the Branch Office, 16, Pall Mall; or of the Agents in town and country. SAMUEL INGALL, Actuary. THE LONDON ASSURANCE CORPORATION, Offices.-No. 7, ROYAL EXCHANGE, E.C., and No. 7, PALL MALL, S.W. Secretary.-JOHN LAURENCE, Esq. LOUIS HUTH, Esq. CAPT. R. W. PELLY, R.N. Actuary.-ARTHUR H. BAILEY, Esq. Underwriter.-JOHN ANTHONY RUCKER, Esq. Manager the Fire Department.-THOS. B. BATEMAN, Esq. Physicians.-GEORGE BUDD, M.D., F.R.S., 20 Dover-street, Piccadilly; EDWARD CLAPTON, M.D., 4 St. Thomas's-street, Southwark. WEST END OFFICE, No. 7, PALL MALL, S.W. Committee.-Two Members of the Court of Directors in rotation, and HENRY KINGSCOTE, Esq., and JOHN TIDD PRATT, Esq. Manager and Assistant Actuary.-PHILIP SCOONES, Esq. LIFE DEPARTMENT. This Corporation has granted Assurances on Lives for a period exceeding ONE HUNDRED AND FORTY YEARS, having issued its first Policy on the 7th June, 1721. Two-thirds of the entire Profits, without any deduction for expenses of management, are allotted to the Assured. This arrangement will be found to be more advantageous to the Policy holders, than an apparently larger proportion of the Profits, subject to the expenses of management. Assurances may be effected without Participation in Profits, at low rates of Premium, or with Participation in Profits, upon either of the following plans, viz.: By an Annual Abatement of Premium on Policies of Five Years Standing and upwards. Upon this plan the average abatement from the original Premium during the last Three Years, has exceeded 38 per cent. By appropriating the Profits at the end of every Five Years, either in increase of the Sum Assured, or as an immediate Cash payment. Examples of the Bonus additions to the Sum Assured on Policies of Fifteen Years' standing, are subjoined. Fire Insurances effected at Moderate Rates upon every Description of Property. DAMAGE CAUSED BY EXPLOSION OF GAS MADE GOOD. Commission allowed to Brokers and Agents effecting Foreign and Ship Insurances. MARINE DEPARTMENT. Marine Insurances are effected at the HEAD OFFICE of the Corporation. |