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Note: This text has been automatically extracted via Optical Character Recognition (OCR) software. The text has not been manually corrected and should not be relied on to be an accurate representation of the item.
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CLERICAL , MEDICAL , AND GENERAL \] LIFE ASSURANCE SOCIETY . The Assured may reside in . most parts of the world , without extra charge , and in all parts by payment of a small extra premium . The small share of Profit divisible in future among the Shareholders being now provided for , without intrenching on the mount made by tho regular business , tlie Assured will hereafter derive all the benefits obtainable from a Mutual Office , with at the same time , complete freedom from liability , secured by means of ail ample Proprietary Capital—thus combining , in the same office , all the advantages of both tsyitems . Five Bonuses have been declared ; at the last in January , 1852 the sum of £ 131 , 125 was added to the Policies , producing a Bonus vary ing with the different ages , from 24-J- to 55 per cent . on tho Premiums paid during the five years , or from £ 5 to £ \ 2 lfls . ¦ oov cent , on the sum assured . The next and future Bonuses may be either received in Cash , or applied at the option of the assured in any other way . On Policies for the whole of Life , one half of the Annual Premiums for the first five years may remain on credit , and may either continue as a debt on the Policy , or may be paid off at any time . Claims paid thirty days after proof of death , and all Policies are Indisputable except in cases of fraud . In-valid Lives may be assured at rates proportioned to the increased risk . The Assurance Fund already invested amounts to ; £ 850 000 and the Income exceeds £ 136 , 000 P annum . ' ' The Accounts and Balance Sheets are at all times open to the inspection of the Assured , or of any person who may desire to assure . A copy of the last Report , with a Prospectus and forms of Proposal , can be obtained of any of the Society ' s agents , or will be forwarded free by addressing a line to GEO . H . PINCKARD , Resident Secretary . 09 , Great Russell Street , Bloomsbury , London ,
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BANKS OF DEPOSIT AND SAVINGS BANKS . INVESTMENT OF CAPITAL AND SAVINGS . IVTATIONAL ASSURANCE and INVEST J _ 1 MENT ASSOCIATION , 7 , St . Martin ' s Place , Trafalgar Squake , London , and 56 , Pall Mall , Manchestee . Established in 1844 . TRUSTEES . Lieut .-Col . the Right Honourable Lord George Paget , M . P . ' Rev . Joseph Prendergast , D . DT , ( Cantab . ) Lewisham . George . Stone , Esq ., Banker , Lombard Street . Matthew Hutton . Chaytor , Esq ., Reigate . The Investment of Money with this Association secures equal advantages to the Savings of the Provident , and the Capital of the Affluent , and affords to both the means of realising the highest rate of Interest yielded by first-class securities , in which alone the Funds are employed . Tho constant demand for advances upon securities of that peculiar class , which are offered almost exclusively to Life Assiinmeo Companies , such as Reversions , Life Interests , &c , enables the Board of Management ( o employ Capital on more advantageous terms and at higher rates of Interest than could otherwise-, with equal safety , be obtained . Tho present r ; ite of Interest is five per cent , per annum , and this rato will continue to bo paid so long as the Assurance department finds the samo safe and profitable employment for 311 OlH' 3 . Interest payable half-yearly in January and July . ^ Ioney intended for Investment is received daily between the hours of 10 and 4 o ' clock , at tho Offices of the Association . Immediate Annuities granted , and tho business of Life Assurance in nil its branches , transacted , on highly advantageous terms . Rates , Prospectuses , and Forma of Proposal , with every requisite information , may bo obtained on application at the oflict'H of tbo Association , or to tho respective . Agents throughout tho United Kingdom . PKTNR MORRISON , Managing Director . Applications for Ai / cucies . may he made to the ~ Managing Director .
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I 0 sTAHi-is . il is i > 1837 . Jiicoi'jioyntud hy special Act of Parliament . Jmemhiig Tito Assurors mid Policy Holders in other Companies '' . "' '" vit . od to examine tho rates , principles , mid position of QOOTTISU "LMJOVJDRNT INSTITUTION | , |{! , ,. '"'¦ M' / 'i'UAL JL 1 K 10 ASNURANC . U by MODERATE 1 'in Hi ' iittisii 1 'itovinii . YT Institution claims superiority " <• ' ¦ other iiiiitiml oflleos in ( ho following particulars : •¦ - k > - ¦ rein in i mm ,,, ( , ,. ; i rly in ,, ! middle ngo about- n four Hi lower . - A more iin-unito iidiiiHl . iiient of ( ho riilon of premium to < lio n .- v .-i- . U u « . h . il I ' ^ l"'i » ''ipl ( i in I he division of the surplti . H more Hiifc , oquil-• '" j r . " nil favourable | , ^ ,,,, 1 liv ( , . a ' ,, ' '•^ ' "' plioii from entry inonoy . policies indisputable , " iiiiIohh obtained by iVuud . Hl'HCIMKNH OF I'littHKIJIH . Annan / . 1 ' i -f uiiumsfor . IMOO , ¦ i riV / i . whole profits . ' f . ' f . I - {> I : »> I : ir > ' \ " 40 "' | ' ~ - " 1 , 5 | " ~~ r . i > j ffrT ' '" lS I ' IH <> I :. ' - 1 < ; I - J , < i 10 I i ! 14 » I rt fi i ) j 4 1 7 I r » 1 11 ¦'"""" ' 'V . m / ,, ; ,, ^ p ,,,,,, U , < for 21 yearn only , for . IJIOO , ii'illi tclioli- priffiln . 'V'jciio 1 v . ;— - | -- ; t () ¦ - 1 ¦ - .,- _ -- | - U ) -- | 1 r > 1 M ) ''' ¦ ' ¦ ' ¦ ' <> 1 a 10 h 1 u 11 1 ; j a i !) h 1 : t of iillo wini ; * N «> ( , ' oiiiininMioii to any otlmr " ' w ' l " ' i " '''"''"K "'"" . ! ollleial iigonlH . "' " ••• vii I M " '""' « '"o ill I ho iiiomI . prosperous condition , ml "'• n ' uil v * ' 1 " " IIU | 11 HoportH , whieb wiMi proHpnel iih , tables of "' 'luiiie l '" " HHII | 1 » " « 'o premium , nud nvory information may bo jfato Htr , ' /"' , '• "" « l > l » lioiitiou to l . ho London llmnoli , VI , Moor-UKOlMUfl GRANT , Me * itlurtt JSttoritary .
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J imt . published , IIki ei ghth edition , with oinondiil ioim tiuil iiddil ioiiM , Nvo , elol . h , | ii ico (> m ., by punt , fin . ( id . A- POPllliAK . TUMATISM ' om DISICASKS of thd ( IUINAKY mid ( M-: N KI £ ATI V K HVSTIOMH ; WiMi 11 ( ' ( incine 11 naliimical rc \ ieu of Iheir organs , and 11 plivmo logieul iieeouiil , of I heir fiinel iiui . i ; ( , ogol her wil h rcinai'liH on Hpeeiflo erupt ioiiM , M 10 modern Ireiitinenl ol gonorihieii , HypliiliH , hI riot lire , ami lucid debilil y or . 'i | icriinil m rbiea . liv . 11 ) 11 N < J 1 ) Y , Member of t . lui Koynl Ci ) lle ;; o of HurgeoiiM , Liocnliali < , Hid . II . Iliiilliem , 211 ) , K 1 W 11 I , Nlrorl , ; lOIHiigliniii Wihion , II , Royal I'Jxclminfo ; J . b " . JiuiUiero , Huo iltiutcfouillo , l'aria ; mid nil ItookHoIleru . \ I t f I I 1
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NEW FEATURE IN" LIFE ASSURANCE . THE DEPOSIT AND GENERAL Htfe ffetfurana Companp . 18 , NEW BRIDGE STREET , BLACKFRIARS , LONDON . " E Plubibus Uktjm . " The public is respectfully invited to examine the principles of the Deposit System of Assurance , which is based upon Tables calculated by , and is under the immediate supervision of Francis G-. P . Neison , Esq ., F . L . S ., the Consulting Actuary to the Company . Comparative Tables to assure £ 500 on death , by a pereon aged 20 next birthday , on the oedinaet and on the deposit System of Assurance . ON THE OKDINAB 3 T SYSTEM . * The sum the The sum the ordinary 1 At the ordinary life Life Offices would t s ^ y § ™ - {« crr / i ^ pS 5 « tho I at fchafc Pohev after miiim of £ 8 6 s . 3-. 1 . i I > & ^ a . ' " 3 ? ffir « - '" - ¦ - H jp - ^ s rt sSsv i 1 oUi ^ e . tmSou ^ 'f one hour after _ J j ^_ abg ( t ;^^ : - Little more 20 £ 8 G 3 £ 249 7 0 £ 500 than £ 80 , nothing . I perhaps £ 90 . ON THE DliPOHTT HYNTKM . I II" umible to }> ay , or not desirous of paying , or omitting to pay , tho Policy would at ill remain at Unfit 11 value , £ 522 2 s . 7 d . till tleatli , if' 20 yours alter , no further payment , boingroqiiiri'd . If bowovor tho pnrly from any o . airso \ visliod ( o cancel 1110 J oli < : y , he eoiihl not only draw out . all lie lias put in , viz ., £ 225 , 20 £ 7 10 £ 225 £ 522 2 7 . UH 7 i !) <) f nvl aH , k , ju ( ho bargain , which is more Ll 111 . 11 0110-foiirMi of tho wholtr of bin payineiit . M , or bo could cither draw out a part , £ 20 , or £ f >() , ( liniiniHliiiig IIki I ' olicy only by Ml (^ uHHiirod valiio of tlio Hum ho drawn out . ut tho ago when withdrawn . Noo pitgon 5 and 7 in dcinilrd painplilot , by I' \( M ' . Noi . ion , . KVi [ . * Tim rat . oH hern hoIcoI . (!« I are Midmo iidopted by ( ho lOnglihh mid ( hiiiibriiiii Olllco , and iidnrrtimut in il . M diMtinotivo featurrs us low rat / H of - premium , mid profoHHedly for ( bo lower and middling cIumscm . In inont . oH'k-oh , particularly Mm oWlor ohom , Hiutli as the Heott . iHli Kimiluble mid Ilio ( Jloho , Ilienci rates would bo much higher . In tho Connor , J . !<• 7 m . ( Id ., with l <) Hliillings percent , enl . niiioo foe , would bo Iho nito to insiwo . ^ , )( l () 11 I , < 20 yours of ngo . In tho lull . or , * H l . 't . i . Id ., to inmiro ( bo Hiiino i num . Tho higher ( ho rat ( t tho more , in liivour of ( , ho uki'ohii ! HyHleni . f- Monoy lniil out at . cOinpoiiird intercHl . doiiiii . ich ri'Hisi . w ovdry fourlocn yeuiH . On roinmmson of IIioho two tuhloH , it will bo iiceu Mint 11 person iinilor Die ikivoI Hysleni of iiki'iihit > ihhiii * iiiiiu > can sooiiro \ tho following ( idtum / in / tH vi / .., 1 st , Kor 11 Ii'hk mini , pitid unnuiilly , I ho ciui iiMMiue a Uni / ir tuini in ciimc of ( Iciilh ( bun under Iho t ordiniiry Hyslein . 2 u » My , In ( ho event of a deHire to Hiirntniler f his I'olioy , ho 01111 receive in this (/' ouipiiny , by I bo nbovo in- I itniplo , which upplien to ( ill uijes , run Kit Uidoh iih iiiikiIi hm on tlio ordinary Hyntoni . Jtnlly , In M 10 ovont , of inability or omission to I pay , liiw I'olioy roinaiun » till hi * -iiropvrty , of the tame valttt at it 1
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BAD DEBTS SECURED . —Advantages to both Debtor and Creditor . — By the novel system of Deposit Assurance , Creditors can , during the life-time or in case of Death of their Debtors , be secured against loss . The Debtor , moreover , can , so soon as he has paid off his Debt , withdraw all the payments ( which he has made to secure his Creditor in case of death ) with interest in the bargain . For full particulars apply to the Secretary of the DEPOSIT AND GENERAL LITE ASSURANCE COMPANY , 18 , New Bridge ^ Stbeet , Bjcackfeiaes , London , or to any of its Agents in the country . CHARLES W . BEVAN , Resident Secretary .
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TO AGENTS OP INSURANCE COMPANIES ; " Diseased and Declined Lives . " THE DEPOSIT AND GENERAL LIFE ASSURANCE COMPANY , 18 , New Bridge Street , Blackfriahs , London , accepts such on . equitable terms , and will allow the Agents of other Companies a liberal Commission for the introduction of all lives declined by their respective offices . Apply to C . W . BEVAN , Resident Secretary .
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LOANS . —The Directors of the Deposit and GENERAL LIFE ASSURANCE COMPANY are prepared to advance . £ 30 , 000 in sums of £ 50 and upwards on Freehold , Leasehold , or Personal security , in connexion with Life Assurance , on lower terms than other offices . Applications to be addressed to the agents in the country , or to CHARLES W . BEVAN , Resident Secretary . 18 , New Bridge Street , Blaekfriars , London .
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< i QO UTII A U ST K A I , IAN B ANK 1 N G kj COMPANY . Incorporated by Itoynl Charter . Tho Court of Directors grunl , Lei torts of Credit , mui Hills at , : S 0 days' Mig ht , upon t ho Company ' m Bun It , at , Adelaide . The oxchnngo on HtiniM iiho \ o £ 10 , i . s now at u premium or cluirgii of I wo per oont . Approved draft . * on Houl . li Australia negotiated and Inlln collected . Apply at , ( hit Coinpiiny ' M Ollicon , No . 51 , Old llond Ht . reot . WILLIAM i'UKDY , M , i , i , i , / ci : London , November , 1852 . T II I ) W K L I / I IN ( I 'VON S IF N . I On THURSDAY NNXT , I ho lHlh , an lOx-rir aoiid i n a it y IOiiition < if T | iu Hl'N will be ) ml > li : tlied , conl aiiiiiij ; n . Hplendid Portrait , of the Inln DIIKK () | . ' \ V 10 LLI N ( . 'T () N , v \ if . li Iuh Autograph , and a full account . oft ho grmid Natiiin . ii , I '' ii n kiu i .. Ordoi-H i- < ioeivod by nil Nowm uVgiiut . H , and ul the , Siin- () tIl ( 'i > , I lli , HI land . London .
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rpiIE PENINSULAM AND ORIENTAL I 8 T .. HAM NA VKiATIOM COMPANY Hook Piis . songor . s mid rooi'ivo Oood . s and J'lirecl . s for MALTA , KOYl'T , INDIA , and CHINA , by their Htoaincirt leaving ) S <> iitlianiptou on tho 20 th of ovcry IMoiith . Tho Conip . uiy ' H H ( , carii (; r . s aln <> Klnrt for MALTA and CONRTANTINOI'LIO on the 2 !) l . h , and VKiO , Ol'OKTO , LISBON , CADIZ , and ( , 'lliKALTAK , on Iho 7 th , 17 th , and 27 th of tho Month . Kor further information iipply ul , ( ho Coinpaiiy ' H Ollices , ~ l ' A 2 , Loadenhall Street ,, London ; and Orionl . al I'hice , Soiit . huinpLon .
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All Policies Indisputable , and payable to Holder within fourteen days after Death , and free of Policy Stamp to the Assured , An entirely new and most economical Scale of Premiums . HOUSEHOLDERS' AND GENERAL LIFE ASSURANCE COMPANY . 15 and 16 , Adam Street , Adehhi , London . directors . William AsMon , Esq . Richard Griffiths"Welford . Esq The Rev . Thomas Cator . Edward Basconio , Esq ., M . D . Charles IIuIho , Esq . Peter Patorson , Esq . F . Davenport II . Webster , Esq . Peter Paterson , Esq ., jun . DISTINCTIVE AND l'EC CJIAAlt PEATUKHS . 1 . JEvery Policy in absolutely indisputable , tho state of health , age , and interest , being admitted on the Policy . ' Z . A Lower Scale of Premiums than any other Office . y . Policies transferable by indorsement . 4 . 2 ' ulicies l ' aid within Fourteen Dayx after 1 ' roof of Death . 5 . No charge for Policy Stamp . ( 5 . Persons recently assured in other Offices may obtain indisputable Policies from , / his Company at more ¦ moderate rates of premiums . 7 . Medical Referees in all cases paid by tho Company . RICH AliD iioiKSON , Secretary .
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was , though he cease his current payments for any number of years ; whereas on the ordinary system he gets -nothing . 4 thly , Should he require to increase or decrease tho amount of his Policy , he can do so at pleasure . He can , at any time , by giving a fortni ght ' s notice , withdraw any part from £ 1 up to the whole amount of his previous payments , and with interest . After he has withdrawn part one year , he can , by a single payment , three years , or any time afterwards , raise his Policy to a greater or eveu its former amount ; and by this system ho can at all times regulate his annual savings by his annual expenditure , with the facility in the bargain of having a fund tojly to in case of neceessity , the same as in a hank , with this palpable advantage , however , that he gets interest for his money , and in case of death his family receive more than the amount of his savings . In ordinary Life Offices he can do no such thing , but his Policy at once lapses or is cancelled the moment he ceases to pay his current premiums , and instead of having any fund to fly to for aid , all his hard-earned savings become forfeited to tho Society , and his misfortunes serve to benefit the pockets of his more ibrtunate co-assurers . Such a system is too equitable and too striking to be overlooked , and deposit assurance is the only system of assurance which can be universally recognised and adopted when its principles are impartially canvassed , and its palpable benefits become widely diffused . It confers greater advantages than a bank because it allows a fair rate of interest in case of withdrawal , and gives twice the amount in the hands of the Company to the representatives of tho Depositor in case of death , thus combining the ADVANTAGES OF A BANK WITH THE BENEFITS OF AN ASSUKANCE COMPANY . In cases of endowment assurances the advantages of the deposit system are still more striking . Advantages of tJiis Company under the ordinary Life Assurance Branch . To those who prefer this branch Policies are granted from ^ 20 to JE 50 OO on every known principle thereof . Lives in all but tho worst stages of disease , and such as have been rejected by other Offices , are takeu at rates equivalent to the particular disease . Loans from . £ 50 and upwards granted on every kind of security , real or personal , on the most equitable terms to the borrower . Annuities of every description , granted on very favourable terms . Non-fokfeiture of a Policy . —In case of inability to pay the current premiums , the Directors will either purchase the policy at a fair market value , or give a new one in lieu thereof , less five per cent ., interest corresponding in amount to the whole of the previous payments which have been made . Detailed prospectuses with tables in further illustration o £ the Deposit system , and any further information may be obtained on application to the Agents iu the country , or to CHARLES TV " . BEVAN , Resident Secretary . N . B . —Agents wanted in all parts of the World .
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November 13 , 1852 . ] THE LEADER . 1099
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Citation
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Leader (1850-1860), Nov. 13, 1852, page 1099, in the Nineteenth-Century Serials Edition (2008; 2018) ncse.ac.uk/periodicals/l/issues/vm2-ncseproduct1960/page/23/
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