EDINBURGH LIFE ASSURANCE COMPANY,

Established in 1823, and Incorporated by Special Act of Parliament.

CAPITAL, £500,000.

ACCUMULATED AND INVESTED FUNDS, NEARLY ONE MILLION STERLING.

EDINBURGH, 22, GEORGE STREET.

GLASGOW, 65, ST. VINCENT STREET.

LONDON, 11, KING WILLIAM STREET, E.C., & 10, REGENT STREET, S.W.
DUBLIN, 55, SACKVILLE STREET.

Manager-GILBERT L. FINLAY. Secretary-WILLIAM DICKSON. Actuary-JOHN CRAIG.

LONDON BOARD.

President The Right Hon. EARL GRANVILLE, K.G.

The Hon. ROBERT DUNDAS.
JOHN ABEL SMITH, Esq., M.P.
HUGH JOHNSTON, Esq.

ARTHUR J. BLACKWOOD, Esq.
JOHN TAYLOR, Esq.

JOHN PHILLIPPS JUDD, Esq.
JOHN ANDERSON, Esq.

CHARLES STANIFORTH, Esq.

The Lord ALFRED PAGET.
JAMES BONAR, Esq.

Secretary-FREDERICK CHAPLIN.

WEST END OFFICE, 10, Regent Street, Capt. MACKENZIE.
Medical Officer-ROBERT DICKSON, M.D., 16, Hertford Street, May Fair.
Bankers-Messrs. SMITH, PAYNE, and SMITHS.

Solicitors-Messrs, ROWLAND and HACON, 31, Fenchurch Street.

SPECIMEN OF BONUS ADDITIONS PAID ON SOME OF THE OLDEST POLICIES.

SPECIMEN OF RATES FOR ASSURING £100 ON A SINGLE LIFE.

EQUITABLE ASSURANCE OFFICE,

NEW BRIDGE STREET, BLACKFRIARS.

Directors.

THE RIGHT HON. LORD TREDEGAR, President.

WILLIAM FREDERICK POLLOCK, Esq., JAMES SPICER, Esq., Vice-Presidents,

JOHN CHARLES BURGOYNE, Esq.

LORD GEORGE HENRY CAVENDISH, M.P.

FREDERICK COWPER, Esq.

CHARLES CURLING, Esq.

GEORGE FENNING, Esq.

RICHARD GOSLING, Esq.

PETER MARTINEAU, Esq.
JOHN ALLDIN MOORE, Esq.

SIR ALEXANDER MORRISON, M.D.
JOHN COYSGARNE SIM, Esq.
GEORGE SCOVELL, Esq.

JOHN CHARLES TEMPLER, 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,

Since its establishment in the year 1762 it has paid £17,000,000 in claims, and £15,900,000 for bonuses on the same.

The Invested Capital on the 31st of December, 1864, exceeded £4,500,000 sterling, The reserve at the last rest, in December 1859, exceeded £700,000, 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 (1866) will be placed among the number after payment of their first premium, and will become entitled to a rateable share in the bonus to be made in December, 1869, on payment of the Annual Premium in 1871. 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.

ARTHUR MORGAN, Actuary..

EQUITY AND LAW LIFE ASSURANCE SOCIETY,

18, LINCOLN'S-INN FIELDS, LONDON, W.C.

CAPITAL £1,000,000, FULLY SUBSCRIBED.

Trustees.

THE RIGHT HON. THE LORD HIGH CHANCELLOR.

THE RIGHT HON. LORD MONTEAGLE.
THE RIGHT HON. THE LORD CHIEF JUSTICE
ERLE.

THE RIGHT HON. THE LORD CHIEF BARON.

THE RIGHT HON. SIR J. TAYLOR COLERIDGE.
CHARLES PURTON COOPER, Esq., Q.C., LL.D.,
F.R.S.

GEORGE CAPRON, Esq.

Directors.

GEORGE LAKE RUSSELL, Esq., Chairman.
JOHN MOXON CLABON, Esq., Deputy-Chairman.

J. E. ARMSTRONG, Esq.
HENRY WILLIAM BIRCH, Esq.
HENRY FOX BRISTOWE, Esq.
ROBERT J. P. BROUGHTON, Esq.
ANTHONY CLEASBY, Esq., Q.C.
JOHN ELLIS CLOWES, Esq.
CHARLES J. DIMOND, Esq.
SIMON DUNNING, Esq.

JOHN WILLIAM HAWKINS, Esq.
WILLIAM E. HILLIARD, Esq.
N. HOLLINGSWORTH, Esq.
THOMAS HUGHES, Esq.

JOHN ILIFFE, Esq.

THOMAS GLOVER KENSIT, Esq.
CHARLES HENRY MOORE, Esq.
EDMUND F. MOORE, Esq.

WILLIAM BENFORD NELSON, Esq.
FREDERICK PEAKE, Esq.
GEORGE W. K. POTTER, Esq.
THE QUEEN'S ADVOCATE.
W. B. S. RACKHAM, Esq.
GEORGE ROBINS, Esq.
ALFRED H. SHADWELL, Esq.
RICHARD SMITH, Esq.

Elected by the Assured.
JOHN C. TEMPLER, Esq.
ARTHUR H. BAILEY, Esq.

Solicitor.-GEORGE ROOPER, Esq., 26, Lincoln's-inn Fields.
Medical Officer.-W. O. MARKHAM, M.D., 3, Harley Street.
Actuary and Secretary.-THOMAS BOND SPRAGUE, Esq., M.A.

The NEW BUSINESS of 1864 comprised 190 Policies, insuring the sum of £308,645; and the Premiums received thereon amounted to £10,666 4s. 4d.

The total INCOME of 1864 was £93,369., and the total OUTGOINGS £46,048. The difference, £47,321, or more than 50 per cent. of the whole Income, being added to the Assets, as the result of the year's transactions. The amount of the ASSETS on the 31st December, 1864, was £443,966.

The EXPENSES of MANAGEMENT are now less than Four per cent. on the Income. The PREMIUMS are calculated for every half-year of Age.

The realized PROFITS are ascertained every Five Years; and NINE-TENTHS of the whole are divided among the Assured. As considerably more than one-tenth of the Profits is derived from Policies which do not participate in the Profits, it will be seen that the Assured have greater advantages in this Society than if they formed a Mutual Insurance Company, dividing among themselves the whole of the Profits derived from their own Policies.

At the FOURTH QUINQUENNIAL DIVISION of Profits, to the 31st December, 1864, the sum of £62,961, was divided among the Assured holding Policies for £1,339,608; the additions thus made to the sums assured amounting to £112,000.

The Conditions of the Policies allow persons whose lives are insured to reside or travel in any part of the world distant more than 33° from the Equator.

Policies in the hands of third parties are not vitiated by suicide, or by the life assured transgressing the stipulated limits.

The Business of the Society includes the Purchase and the Granting of LOANS upon the security of Life Interests and Reversions; also the Granting of IMMEDIATE ANNUITIES.

The ANNUAL REPORTS of the Directors are regularly printed, with full accounts of the Receipts and Expenditure, and may be obtained by written or personal application at the Office.

GUARDIAN

FIRE AND LIFE ASSURANCE COMPANY,

No. 11, LOMBARD STREET, LONDON, E.C.

CORNELIUS PAINE, Jun., Esq.; HENRY SYKES THORNTON, Esq.; NOEL WHITING, Esq. THOMAS TALLEMACH, Esq., Secretary.

SAMUEL BROWN, Esq., Actuary.

Superintendent of Fire Department.-ISAAC DELVALLE, Esq.
Physician.-Dr. J. RUSSELL REYNOLDS, 38, Grosvenor Street.

Solicitors.-Messrs. PARKIN and PAGDEN, 5, New Square, Lincoln's Inn.
Bankers.-Messrs. MARTIN, 68, Lombard Street; Messrs. COUTTS, Strand.

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 £1,150,000 have been allotted to the Assured out of Profits.

At Christmas, 1864, the Life Assurances in force, exclusive of Bonuses thereon, amounted to upwards of £4,500,000, the Income from the Life Branch £212,000 per annum, and the Life Assurance Fund (independent of the Capital) £1,656,000, while the total claims paid (independent of Bonuses) amounted to £4,176,409.

Example of Annual Premiums for the Assurance of £100 on Death.

N.B.-With a view to render Life Policies more available as Securities, Policies will be issued in certain cases free from ALL restrictions as to Foreign Travelling or Residence. Policies issued free of every charge except the Premium.

FIRE DEPARTMENT.

Insurances effected on every description of Property at home and abroad. Annual Premium for £100 on Ordinary Risks is 1s. 6d. The annual Duty to Government is reduced to 1s. 6d. for £100. Policies are issued free of every charge except for Premium and Annual Duty.

No expense in transferring from another Office. Claims liberally and promptly settled. Forms of Proposal and every information may be obtained from the Office. T. TALLEMACH, Secretary.

THE LONDON ASSURANCE CORPORATION, For Fire, Life, & Marine Assurances.

Incorporated by Royal Charter, A.D. 1720.

OFFICES-No. 7, ROYAL EXCHANGE, E.C.; AND No. 7, PALL MALL, S.W.

Underwriter.-JOHN ANTHONY RUCKER, Esq.

Manager of 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.

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 abatement from the original Premium for the year 1865 was at the rate of 40 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.