Oldalképek
PDF
ePub
[blocks in formation]

The principle adopted by the Universal Life Assurance Society, of an annual valuation of assets and liabilities, and a division of three-fourths of the profits among the assured, is admitted to offer great advantages, especially to those parties who may wish to appropriate their proportion of profit to the reduction of future premiums. This practice of an annual division is especially advantageous to persons of advanced years, who cannot hope to participate in many septennial or decennial divisions.

The ANNUAL REDUCTION has averaged considerably ABOVE 40 PER CENT., and in no one year has it fallen below that amount.

The attention of gentlemen connected with India is particularly requested to the regulations of this Society; as, on comparison with other offices, its terms will be found peculiarly advantageous, especially as regards the liberal plan adopted on the return of Indian Assurers to reside permanently in this country; and the Indian rates have been calculated from extensive data and tables, exclusively in the possession of this Society, by which the true risk of life during residence in India has been most accurately ascertained.

142]

MICHAEL ELIJAH IMPEY, Secretary.

PROMOTER LIFE ASSURANCE AND AN

NUITY COMPANY, No. 9, Chatham Place, Blackfriars, London. Established in 1826.-Subscribed Capital, 240,000l. This Society effects every description of Life Assurance, both Domestic and Foreign, on most advantageous terms, either on the Bonus or Non-Bonus systems.

Tables of Rates, with all further particulars, may be obtained at the Office.

186]

M. SAWARD, Secretary.

ESSEX ECONOMIC FIRE OFFICE,

CHELMSFORD.

Established 1824,

Chiefly for insuring CORN-MILLS at moderate rates.

LONDON AGENTS:

B. WHITE, at Messrs. Kingsford & Lay's, Corn Exchange, Mark-lane.

PHILIP BOWES, 26, King William-street, West Strand. [138

[blocks in formation]

MANCHESTER LOCAL COMMITTEE,

Sir Elkanah Armitage, Knt., Ald.,
Chairman.

Thomas Bazley, Esq., Vice-Chair

man.

John Bannerman, Esq.

Richard Birley, Esq.

The Hon. Thomas Erskine.

William Gibb, Esq.

Thomas Greig, Esq.
Matthew Lyon, Esq.
John B. Markland, Esq.
John Mayson, Esq.
Simon Pincoffs, Esq.
Edward Tootal, Esq.

C. J. S. Walker, Esq., Ald.

GUARANTEE DEPARTMENT.-A reduction of 20 per cent. on the sixth payment. An immediate and considerable reduction if a Life Assurance be combined with the Guarantee.

LIFE DEPARTMENT.-Profits of both departments divisible among the assured on the participating scale. Foreign and colonial risks on moderate terms. Payments taken quarterly, half-yearly, or annually. Medical referees paid by the company.

Prospectuses, forms of proposal, and other information may be obtained at 36, Old Jewry, By order, JAMES KNIGHT, Secretary. N.B.-No charge for Policy Stamps. [174

THE MUTUAL LIFE ASSURANCE
SOCIETY,

39, KING-STREET, CHEAPSIDE.
ESTABLISHED 1834.

[blocks in formation]

The Society is constituted on purely mutual principles, the entire profits being divided amongst the Members. The total number of policies effected up to the 31st December, 1850, was 1786, for assuring 1,256,6281.

In the past year 200 proposals were made for assuring 120,213., of which number 155, for assuring 86,015., were accepted and completed.

The Divisions of Profit are made annually on the 31st December. Every Member participates therein who has paid two annual premiums on his policy.

Every Member shares in the Profits in proportion to the number and amount of the premiums paid, accumulated at compound interest.

At 31st December, 1850, the Society had been established nearly seventeen years, and the additions then allotted to the three oldest policies were as follow:

[merged small][merged small][merged small][merged small][merged small][merged small][subsumed][merged small][subsumed][merged small][subsumed][merged small][merged small][merged small][merged small][merged small][merged small][merged small][ocr errors][merged small][merged small]

EUROPEAN LIFE INSURANCE & ANNUITY COMPANY.

Established, January, 1819. Empowered by Special Act of Parliament, 7 & 8 Vict. c. 48.
OFFICE, 10, CHATHAM-PLACE, BLACKFRIARS, LONDON.

[merged small][merged small][ocr errors][merged small][merged small][merged small][merged small][merged small][merged small]

ADVANTAGES OFFERED BY THIS OFFICE.

Long standing-Established 1819. Undoubted security from a large paid-up capital and accumulated premiums. Diseased lives assured at equitable rates.

The participating or non-participating scales of Premium: if participating, 80 per cent. is appropriated to Policyholders every fifth year-if non-participating, the rates are as low as can with safety be charged. Liberty to the Insurer to proceed to, and reside in, places beyond the limits of Europe. Premiums on Policies received yearly, half-yearly, or quarterly, or on a descending scale; or Half Premiums received for five or seven years.

Loans granted on Policies, or on Freehold, Leasehold, or Copyhold Securities, accompanied by Policies of Life Assurance. Loans granted on undoubted Personal Security.

Policies granted to meet every contingency. Medical men remunerated for their reports. A liberal commission to solicitors and others bringing business to the Society.

By the condition of the Policies issued by this Company, it is agreed "that the documents upon the faith whereof the Policy is granted shall be conclusive evidence of the age and state of health of the party assured, unless fraud or wilful misrepresentation be discovered therein." No probability of Claims being disputed, the Company having pail to Policy-holders nearly 600,000l. without dispute or litigation.

[blocks in formation]

Advantages presented by this Society. LIFE ASSURANCES may be effected upon Equal, Half-Premium, Increasing, or Decreasing Scales; also by Single Payments, or Payments for limited periods. Tables have been specially constructed for the ARMY, NAVY, EAST INDIA COMPANY, and MERCHANT SERVICES; also for persons voyaging to, or residing in, any part of the world.

ENDOWMENTS for Widows and Children, Pensions for retired Officers and Civilians, IMMEDIATE or DEFERRED ANNUITIES, and SURVIVORSHIPS.

The Bonuses declared by the Society gave a Reduction of premiums, until next division of profits averaging 36 per cent. on Policies in force Five Years, or an addition to the Sums Assured, ranging from one-third to one-half of the total amount of Premiums paid. 197] E. OSBORNE SMITH, Actuary and Sec.

Examples of Premiums for Insuring 1001. on a single Life.

WITHOUT PROFITS.

Quarterly. Half-yearly Yearly.

Age
next

WITH PROFITS.

Birth-
day.

Yearly. Half-yearly Quarterly.

£. s. d.
0 18 1

£. s. d.

£. s. d.

[blocks in formation]

1 14

5

20

1 18 3

[blocks in formation]
[blocks in formation]

£. s. d.
094

[ocr errors]

3

1 16 0

The next Bonus will be declared in 1855, and afterwards at the expiration of every fifth year. Every Bonus will be added to the sum insured; but the person entitled thereto may arrange with the Company at any time within three months after the declaration thereof to receive the valueIn cash or In an equivalent reduction of future Premiums: or If the Bonus amount to 50l. or upwards, may have a uew Policy on the life, free from the payment of any Premium : or The Bonus may be dealt with as shall be specially agreed

[merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][ocr errors][merged small][merged small][merged small][merged small][ocr errors][ocr errors][ocr errors][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small]

The Rates charged by Prussian post to places beyond Cologne are very moderate. Tables may be had of the Agents. AGENTS. London, GEO. HAYWARD, 52, Gracechurchstreet.-Liverpool, H. RETEMEYER, Castle-street.-At Cologne, H. RISTELHUEBER and Co., through whom all parcels from Germany, Austria, Russia, Denmark, Italy, and Switzerland should be sent.-From Belgium through J. PIDDINGTON, 74, Montagne de la Cour, Brussels.-A. DAILE, Ghent.LOUIS CARBON, Ostend.-From Antwerp and Holland through C. FROMENT.-J. FRIEND, Dover and Folkestone, Custom House Agent, to whom packages of Merchandize to and from France may be consigned. [1 266

[merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][ocr errors][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small][merged small]

TO CAPITALISTS.-20.0007. to 50,000 required

by the Advertiser, to introduce a celebrated form of Vessel, and the application of Machinery to Shipbuilding, whereby a saving of 20 per cent. will be effected in their construction. For further information (by Principals only) apply by letter first to R. A., care of Mr. CLARKE, 4, St. Dunstan's Alley, St. Dunstan's Hill, London. [1208

COMMISSION AND FORWARDING AGENT.

THE SUBSCRIBER, having an

extensively cultivating his business as COMMISSION and FORWARDING AGENT, is ready to enter into arrangements with first-class Firms desiring such aid. Representing in all Scotland first-class Houses, his knowledge of general business may be relied on.

The Subscriber intimates to his Customers and Friends that he has Removed from No. 91, CONSTITUTION-STREET, to JOHN'S-LANE, CHARLOTTE-STREET, LEITH, and solicits their Import Orders for Dutch, German, and Russian produce. WILLIAM BLACK.

Agent for NICHOLAS H. LUTGENS, Hamburgh.
VAN DULKEN, VAN DORP, & Co., Rotterdam.
CHARLES DEUBNER & Co., Riga.

[ocr errors]
[blocks in formation]

PRAYER-BOOK AND HOMILY

SOCIETY.

Established 1812.

OFFICE, 18, SALISBURY-SQUARE, FLEET-STREET.

Patron.

His Grace the ARCHBISHOP of CANTERBURY.

President.

The Most Noble the MARQUIS of CHOLMONDELEY.

THIS Works which have been set forth by authority THIS Society is instituted for the circulation of the

of the United Church of England and Ireland, both in the original and by means of translations.

Its funds, which arise from voluntary contributions, are employed in the active distribution of its various publications amongst those who are unable to procure them through the usual channels, either by free grant or by sale at less than the original cost.

Frequent testimonies are borne by Christian Missionaries, in various parts of the world, to the usefulness of the Society's labours, especially in the improvement and establishment of converts from heathenism, and in raising the tone of devotional feeling in congregations of native Christians.

The Society's labours at home may be exemplified by reference to its operations amongst Seamen and Emigrants. The agents visit almost every emigrant ship and large numbers of trading vessels in the port of London: the nature of the books which are offered is fully and candidly explained, and their use both individually and socially is affectionately urged upon the people. Social worship is frequently established on board in consequence of these persuasions, and by the help of the books supplied. A few years ago it was a very rare thing to hold divine worship on board ship; but now the crews of considerably more than half the ships visited in the port of London are assembled for that purpose on the Lord's Day.

The Society's General Fund is available for the expenses of translations, &c.

The operations on ship-board are supported by the Special Fund for Emigrants and Seamen; whilst the Special Fund for Ireland is devoted to efforts for spreading the light of the Gospel in that country.

Subscriptions and donations in aid of either of these funds will be thankfully received by the Secretaries.

[blocks in formation]

Arabic Portions of Liturgy; Articles of Religion; Homily, 'On Reading the Scriptures.' Bullom: Portions of Liturgy.

Chinese: Portions of Liturgy.

Danish: Homilies, On Reading the Scriptures,' &c.

Dutch: Prayers; Homilies, Of Faith,' Of Repentance,'
&c.; also for Christmas Day, Good Friday, &c.
English Prayer-Books of all sizes and prices; Arranged
Services for Sundays; Family Prayer-Books; Collects and
Catechism; Homilies, in volumes and tracts; Jewell's
Apology; Nowell's Catechisms, &c. &c.

French: Prayer-Book; Selection of Prayers; Homilies in tracts-various subjects.

Gaelic Family Prayers, and Homilies (in preparation). German Prayer-Book; Arranged Services; Homily tracts on various subjects.

Greek and Modern Greek: Prayer-Book.

Hebrew: Prayer-Book; and (in Rabbinical Heb.) Homilies, 'On Reading the Scriptures,' and for Christmas Day. Indo-Portuguese: Prayer-Book; and Homilies, On Reading the Scriptures,' &c.

Irish: Portions of Liturgy; Prayer-Book reprinting; Homilies in preparation.

Italian: Prayer-Book (improved translation); Homily, 'Of
Faith,'' Of Prayer,' for Christmas Day, &c.
Latin: The Thirty-nine Articles of Religion.

Maori (New Zealand): Arranged Sunday Services; Family
Prayers, nearly ready.

Persic: Portions of Liturgy.

Polish Prayer-Book.

[merged small][ocr errors][merged small][merged small]

LIVERPOOL AND LONDON

FIRE AND LIFE INSURANCE COMPANY. Established in 1836. Empowered by Acts of Parliament. OFFICES.-8 and 10, WATER-STREET, LIVERPOOL; 20 and 21, POULTRY, LONDON.

Trustees.

Sir THOS. BERNARD BIRCH, Bart., M. P.
ADAM HODGSON, Esq.

SAMUEL HENRY THOMPSON, Esq.

Directors in Liverpool.

WILLIAM NICOL, Esq., Chairman.

JOHN HORE, Esq.

JOSEPH CHRIST. EWART, Esq. } Deputy-Chairmen.
JOSEPH HORNBY, Esq.
THOMAS BROCKLEBANK, Esq.
WILLIAM DIXON, Esq.
WILLIAM EARLE, Esq.
T. STEUART GLADSTONE, Esq.
GEORGE GRANT, Esq.
FRANCIS A. HAMILTON, Esq.
FRANCIS HAYWOOD, Esq.
ROBERT HIGGIN, Esq.
GEORGE HOLT, Esq.

GEO. HALL LAWRENCE, Esq.
HAROLD LITTLEDALE, Esq.
JOHN MARRIOTт, Esq.
EDWARD MOON, Esq.
CHARLES SAUNDERS, Esq.
HERMAN STOLTERFOHT, Esq.
JOHN SWAINSON, Esq.
JAMES ASPINALL TOBIN, Esq.

Secretary.-SWINTON BOULT, Esq.

Directors in London.

WILLIAM EWART, Esq., M.P., Chairman.
GEORGE FRED. YOUNG, Esq., Deputy-Chairman.
HON. F. PONSONBY.
JOHN RANKING, Esq.
J. M. ROSSETER, Esq.
SEYMOUR TEULON, Esq.
SWINTON BOULT, Esq., Secre-
tary to the Company.

Sir W. P. DE BATHE, Bart.
WILLIAM BROWN, Esq., M.P.
MATTHEW FORSTER, Esq.,M.P.
FREDERICK HARRISON, Esq.
JAMES HARTLEY, Esq.
Ross D. MANGLES, Esq., M.P.

Resident Secretary.-BENJAMIN HENDERSON, Esq.

[blocks in formation]

Premiums as low as is consistent with safety.

Bonuses not dependent on profits, being declared and guaranteed when the policy is effected.

Surrenders of policies favourably dealt with. Thirty days allowed for the renewal of policies. Claims paid in three months after proof of death. Policies not disputed except on the ground of fraud. Full prospectuses may be had on application at the offices of the Company as above, or to any of its agents in the country.

ECONOMIC

[1154

FUNERAL COMPANY, 29, New Bridge-street, Blackfriars,

ESTABLISHED JANUARY, 1843.

UNDER DISTINGUISHED PATRONAGE. The object of this establishment is to offer every means of economy, combined with respectability, in FUNERALS, to any magnitude, at stated charges; and the public is respectfully invited to strictly examine the plans of this office, the first established in England for the observance of Funeral economy. Artisan's Carriage Funeral, 31. 18s. 6d. and 5l. 10s. 6d. The deceased and mourners conveyed in separate carriages.

Tradesmen's ditto, with Hearse and Pair, and Coach and Pair, 77. 12s. 6d.

First Class Funeral, including a Shell, Lead Coffin, and Outside Case, Hearse and Four Horses. Two Coaches and Pairs, with Plumes and full equipments of superior description, 231. 12s. 6d.

The cortège and style adopted will be found unexceptionable.

"Those who have ever required the employment of an Undertaker in their family must feel the necessity of such an Establishment, and its great pecuniary advantages over the old system of conducting this business."-Court Journal. [1179

GOVERNESSES' BENEVOLENT

INSTITUTION,

Incorporated by Royal Charter, with power to hold Land by Gift, Purchase, or Bequest.

Under the Patronage of

HER MOST GRACIOUS MAJESTY, HIS ROYAL HIGHNESS THE PRINCE ALBERT,

HER ROYAL HIGHNESS THE DUCHESS OF KENT, HER ROYAL HIGHNESS THE DUCHESS OF GLOUCESTER,
HER ROYAL HIGHNESS THE DUCHESS OF CAMBRIDGE, HIS ROYAL HIGHNESS THE DUKE OF CAMBRIDGE,
HER ROYAL HIGHNESS THE HEREDITARY GRAND DUCHESS OF MECKLENBERG-STRELITZ.

[blocks in formation]

Arbitrators-John Bullar, Esq.; William Fox, Esq.; Mr. Secondary James; W. A. Mackinnon, Esq., M.P., F.R S., F.S.A.;
Edmund Turner Watts, Esq.

Treasurer-Benjamin Bond Cabbell, Esq., M.P., F.R.S., F.S.A.

Auditors-Thomas Hunt, Esq.; Henry Kingscote, Esq.; Capt. the Hon. Francis Maude, R.N. Honorary Secretary-The Rev. David Laing, M.A., F.R.S. Bankers-Sir S. Scott and Co., 1, Cavendish-square; Messrs. Strahan and Co., Temple-bar. Secretary-C. W. Klugh, Esq., 32, Sackville-street. Secretary to the Provident Fund-Thomas Bayly Parker, Esq. Membership consists in the payment of an Annual Guinea, or of Ten Guineas in one sum. Subscribers are entitled to vote for Annuities in the proportion of one Vote for each Annual Half-Guinea, not in arrear, and for each Donation of Five Guineas. Subscriptions are due on the 1st of January, and can always be remitted by Post-office order, or by a cheque crossed "Sir S. Scott and Co."

THE GOVERNESSES' INSTITUTION has been established to raise the character of Governesses as a class, and thus to improve the tone of Female Education; to assist Governesses in making provision for their old age; and to assist in distress and age those Governesses whose exertions for their parents or families have prevented such a provision.

To facilitate the operations of the Institution, its proceedings are subdivided into the following branches; and every gift is devoted solely to the object for which it is given.

TEMPORARY ASSISTANCE to Governesses in distress, afforded privately and delicately through the LADIES' COM

MITTEE.

ANNUITY FUND.-Elective Annuities to aged Governesses, secured on Invested Capital, and thus independent on the prosperity of the Institution.

It is necessary that a capital should be raised, from the interest of which Annuities may be given; as to profess to grant Annuities from annual subscriptions-from a fluctuating income, which any change of public opinion, or accidental circumstances, might destroy-would be to risk disappointment to the aged annuitants at (perhaps) the most painful and inconvenient time. Many Annuities have been founded by investments in the three per cent. Consols; and it is intended to elect at least two Annuitants in each succeeding May and November, should the funds be received. The candidates, who must be Governesses above fifty years of age, require to be approved by the Committee.

To carry out this design-the establishment of permanent Annuities, granted from funded capital-the Committee invite benevolent individuals of large fortune to found Annuities bearing their own name. Fellowships and scholarships are thus founded for those of the other sex who labour with the mind; and surely we should not be forgetful of those whose minds labour to mould the characters of English wives and mothers.

The Hon. Mrs. Ashley has most kindly opened a Fund to raise all the Society's Annuities to 201.; and has already received 8007. towards this desirable object. Any donations which may be kindly given may be addressed "The Hon. Mrs. Ashley, to the care of the Secretary."

PROVIDENT FUND.-Provident Annuities purchased by ladies in any way connected with Education, upon Government Security, agreeably to the Act of Parliament.

This branch of the Institution has been very successful. Any lady can have the Tables of Rates and other particu

lars forwarded to her, on application to the Secretary at the Office; and, if she will consult any gentleman connected with monied details, she will learn that she cannot otherwise have such terms with such security.

This branch includes a Savings-bank; each lady's money standing in her own name, and removable only by her own order.

A HOME for Governesses during the intervals between their engagements.

The Home-in Harley-street-is principally self-supporting, the ladies paying a certain weekly sum for board and lodging. The admission is by a Committee of Ladies, on written introductions. The facilities for re-engagements are so great to ladies from the country, and the arrangements are so private and comfortable, that the Home is in much request.

REGISTRATION FREE OF EXPENSE.-Books being provided at the Home, with lists both of vacant engagements and of disengaged Governesses, the nobility and gentry find the benefit of such opportunities for selection; whilst the immense connexion of the Society affords great advantages to the Governess, without the slightest expense.

A COLLEGE for Governesses has been established, named QUEEN'S COLLEGE, by Royal Permission. A Committee of Education has been formed of gentlemen of high standing and experience, by whom certificates of qualification are given to Governesses in any branch of instruction without fee. Any lady sending in her name, and stating in what subjects she seeks examination, will have an immediate appointment for the purpose. It will now rest with parents to make engagements contingent, if they please, upon the production of certificates. Classes are open in all subjects of instruction.

About 340 certificates have been issued since the opening of the College; arrangements have been made for the FREE EDUCATION of a certain number of Pupils, dependent on Governess-relatives; and large evening classes have been established, with FREE LECTURES, for Governesses engaged during the day.

AN ASYLUM FOR AGED GOVERNESSES, built for Eighteen, but capable of enlargement to any extent. Additional apartments for two are estimated at 2001; Endowments for each, 500l., or 157. per annum, legally and permanently secured. Age for admission Election, as for Annuitants. The inmates are

ed. [1153

« ElőzőTovább »