ENGLISH AND SCOTTISH LAW LIFE ASSURANCE AND LOAN ASSOCIATION, 12, WATERLOO PLACE, LONDON; 119, PRINCES STREET, EDINBURGH. EQUITY AND LAW LIFE ASSURANCE SOCIETY, NO. 26, LINCOLN'S INN FIELDS, LONDON. The Right Hon. Lord Monteagle. Nassau W. Senior, Esq., Master in Chancery. J. E. Armstrong, Esq. Sir Fortunatus Dwarris. Henry H. Oddie, Esq. Sir Fras. Palgrave, F.R.S. AUDITORS.--John T. Graves, Esq., F.R.S.; Robert J. Phillimore, D.C.L.; SOLICITORS-Messrs. Rooper, Birch, & Ingram, Lincoln's Inn Fields. MEDICAL OFFICERS-Robert Willis, M.D.; John Scott, M.D.; B. Atkinson, Esq. ACTUARY and SECRETARY-J. J. Sylvester, Esq., M.A., F.R.S. This Society grants Insurances to meet every kind of Pecuniary risk contingent upon the duration of human life. The advantages of the Mutual System of Association are afforded to persons insuring in this Office, by the division of four-fifths of the Profits among the Assured; the remaining fifth being applied to meet the risk incurred, and the share of the expenses borne by the Proprietary. Lower rates of premium are charged to Assurers desirous to commute the prospective advantages of Profits, for a higher fixed sum Assured to them in their Policies. A Capital of One Million, constantly augmenting by the Returns of the business, provides the most ample security for the protection of the Assured; this is further guaranteed by the constitution of the Proprietary, all of whom, as provided by the Deed of Settlement, must be Members of the Legal Profession, and as such, known and responsible parties. In cases where a Life Assured by another has gone beyond the limits prescribed by the Policy, without the knowledge of the party interested, the Society will upon his application and proof of the Life being then in a satisfactory state of health (but subject to their Medical Officers' approving of the risk as applicable to such Life) renew the Policy upon the same terms, as they would have required for its continuance had their consent been previously obtained. The Rules are calculated on the lowest scale, consistent with security from the Government Returns. The Premiums may be made Annually for Life, or in one sum or by a limited number of Annual Payments (afterwards to cease) or upon a decreasing scale to suit the circumstances of the Party Assuring. Assurances for the whole term of Life may also be effected upon an Increasing Scale, commencing at a Rate much below the ordinary Premiums, and exempt from any augmentation for a period of seven years. All enquiries, whether by letter or personal attendance at the Office between the hours of Ten and Four, relative to the business of the Society, or Life Assurance in general, will meet with immediate attention. The usual Commission allowed to all Solicitors. MUTUAL LIFE ASSURANCE SOCIETY, 14, WATERLOO PLACE, AND 79, KING WILLIAM ST., CITY, LONDON. DIRECTORS. THE CHISHOLM, Chairman. WILLIAM MORLEY, Esq., Deputy-Chairman. Henry Stroud Barber, Esq. John Brightman, Esq. Francis Brodigan, Esq. James William Deacon, Esq. Alexander Robert Irvine, Esq. James John Kinloch, Esq. Henry Lawson, Esq. John Inglis Jerdein, Esq. Henry Penny, Esq. Robert Power, Esq., M.D. The Rev. F. W. Johnson Vickery, A.M. AUDITORS-C. B. Rule, Esq. T. C. Simmons, Esq. W. Archer Shee, Esq. ADVANTAGES OF THIS INSTITUTION. The whole of the Profits divided ANNUALLY among the Members, after payment of five Annual Premiums. An ample guaranteed Capital, in addition to the Fund continually accumulating from Premiums, fully sufficient to afford complete security to the PolicyHolders. HALF CREDIT RATES OF PREMIUM. The attention of ASSURERS is particularly directed to the Half Credit Rates of Premium, by which means Assurances may be effected and loans for short periods secured with the least possible present outlay, at a less premium than for short terms only, with the option of paying up the arrears and interest, and the difference between the two rates, thus becoming entitled to participate in the whole of the profit of the institution. EXTRACT FROM THE HALF CREDIT RATES OF PREMIUM. Without profits Age 30. | Age 40. | Age 50. £ s. d. 1 8 2 £ s. d. 210 2 8 10 Age 60. £ s. d. 34 2 3 15 11 Age 20. Age 25. £ s. d. £ s. d £ s. d. 0 17 0 0 18 1 1 1 0 11 1 3 0 1 5 8 Thus, for example-a person in the twenty-fifth year of his age need only pay 18s. 9d. per cent. yearly for the first five years, and afterwards by paying up the remaining half with interest, and the difference between the above rates, he will be entitled to share in the entire profits, which it is expected will reduce the future payments to little more than half the original Mutual rate. The GREAT BRITAIN is the only Society in which this very great accommodation is given to the Assured. Transfers of Policies effected and registered (without charge) at the Office. Claims on Policies not subject to be litigated or disputed, except with the sanction, in each case, of a General Meeting of the Members, to be specially convened on the occasion. Members Assured to the extent of £1,000 entitled (after payment of five Annual Premiums) to attend and vote at all General Meetings, which will have the superintendence and control of the funds and affairs of the Society. Full particulars are detailed in the Prospectus, which, with every requisite information, may be obtained by application to A. R. IRVINE, Managing Director. Agent:-MR. A. T. CREASY, Auctioneer, North Street, Brighton. Agents wanted in Towns not pre-occupied, and applications from respectable and influential parties addressed to the Managing Director, No. 14, Waterloo Place, London, will meet immediate attention. HAND-IN-HAND FIRE & LIFE INSURANCE SOCIETY, No. 1, NEW BRIDGE STREET, BLACKFRIARS, LONDON. Instituted in 1696.-Extended to Life Insurance, 1836. AUDITORS.-The Hon. Capt. Cust; James Esdaile, Esq.; Thomas Fuller Maitland, Esq. BANKERS.-Messrs. Goslings and Sharpe, 19, Fleet Street. PHYSICIAN.-R. Richardson, Esq., M.D., 19, Gordon Street, Gordon Square. SOLICITORS.-Messrs. Oddie, Lumley, and Company, 18, Carey Street. ACTUARY.-J. M. Terry, Esq. I SECRETARY.-Robert Steven, Esq. LIFE DEPARTMENT. The important advantages offered by this Society, are-that Insurers are protected by a large invested Capital, upon which there is no interest to pay, and for which no deduction of any kind is made ;-which enables the Directors to give the whole of the profits to Insuring Members. The following table will show the effect of the reduction of Premium made by the Society on Members' Policies that have been five years in force : Sum -: Age when Annual Premium for Insured. first five years. Reduction made on the sixth premium. The Abatement for the years 1842, 1843, and 1844, was at the rate of £45 per cent. each year, and for the year 1845, £50 per cent. This system of reducing the Premiums affords immediate benefit to the Members, or enables them to Insure a further sum upon their Lives equal to more than onethird of the present Policy. ROBERT STEVEN, Secretary. Agent for Brighton.-HENRY SAMUEL KING, Bookseller, 1, North Street. MEDICAL REFEREE.-T. B. Winter, Esq. IMPERIAL FIRE INSURANCE COMPANY, SUN COURT, CORNHILL; AND No. 16, PALL MALL, LONDON. INSTITUTED 1803. For Insuring Houses and other buildings, Goods, Wares, Merchandises, Manufacturing and Farming Stock, Ships in Port, Harbour or Dock, and the Cargoes of such Ships; also, Ships building and repairing; Barges and other Vessels on navigable Rivers and Canals, and Goods on board such Vessels, throughout Great Britain and Ireland, and in Foreign Countries from Loss or Damage by Fire. SUBSCRIBED AND INVESTED CAPITAL, One Million Five Hundred Thousand Pounds, DIRECTORS. William Lyall, Esq., Chairman. Alexander Stewart, Esq., Deputy-Chairman. James C. Bell, Esq. R. C. Lee Bevan, Esq. James C. C. Bell, Esq. Thos. G. Barclay, Esq. George Hibbert, Esq. Henry Davidson, Esq. Daniel Mildred, Esq. AUDITORS. C. Francis Cobb, Esq. | Sir Chas. Price, Bart. Wenry Pearse, E John H. Palmer, Esq. George Field, Esq. Agents at Brighton.-Thos. West, Esq., at West, Hall, & Co.'s Bank. Mr. J. Martin, 59 Great East Street. |