INSURANCE COMPANY. ESTABLISHED IN 1809. CAPITAL, TWO MILLIONS. Accumulated Life Funds, £2,711,876; Fire Reserve Fund, £1,097,248. Directors. Chairman-JOHN WHITE CARTER, Esq. Deputy-Chairman―CHAS. MORRISON, Esq. Hon. HUGH M'CULLOCH. RICHARD BARING, Esq. RICHARD BRANDT, Esq. EDWARD COHEN, Esq. JOHN FLEMING, Esq., C.S.I. Rt. Hon. Lord LAWRENCE, G. C. B., C.S.I. J. S. MORGAN, Esq. GEORGE GARDEN NICOL, Esq. Baron J. H. W. SCHRODER. A. H. CAMPBELL, Esq. Manager of Fire Department-G. H. BURNETT. Manager of Life Department-HENRY COCKBURN. Secretary F. W. LANCE. Medical Officers-A. H. HASSALL, M.D.; R. C. CREAM, M.D.; HERMAN WEBER, M.D. Solicitor-Sir W. R. DRAKE. General Manager-DAVID SMITH, F.R.S.E. LIFE DEPARTMENT. The Principles on which this Company was founded, and on which it continues to act, combine the system of Mutual Assurance with the safety of a large Protecting Capital and Accumulated Funds, and thus afford all the facilities and advantages which can prudently be offered by any Life Assurance Office. Under these principles the business of the Company continues rapidly to increase. Ninety per Cent. of the whole Profits is divided among the Assurers on the Participating Scale The Profits are divided every Five Years. Policies indisputable after Five Years. Annuities of all kinds are granted, and the rates fixed on the most favourable terms. FIRE DEPARTMENT. Property of every description, at Home and Abroad, insured at the most favourable Rates. The Net Premiums for 1877 amounted to £908,014. Prospectuses and every information can be obtained at the CHIEF OFFICES: London—61, Threadneedle St.,E. C.; West End Office-8, Waterloo Place, S. W. Edinburgh-64, Princes Street. 50, REGENT STREET, LONDON, W. FOUNDED. 1806. HALF-CREDIT SYSTEM, Applicable only to With-Bonus Policies for the Whole Term of Life (TABLE A), and to Lives not exceeding 60 years of age. UNDER this system, one-half the Premium only is payable during the first 5, 7, or 10 years, in the option of the Assured; the other half-premium remains a charge against the Policy, bearing 5 per cent. interest, payable in advance. The arrears of half-premium may be paid off at any time, or be deducted from the sum assured when the claim arises, or from the Office Value in case of surrender. This system offers the advantage of a low Premium during the early years of life, and thus enables an Assurer to open a Policy for a larger amount than could be obtained under the ordinary terms. The Large Bonuses declared by this Office may reasonably be expected (except upon Policies of a very recent date) to clear off any, charge which may be due for these arrears of Premium. MUTUAL LIFE ASSURANCE (ESTABLISHED 1840.) ASSOCIATION. Chief Office, 27 (late 15), MOORGATE STREET, LONDON. DIRECTORS. RD. HY. JONES, Esq. Chairman, 11, Holford Square, W.C. EDWARD COLEMAN, Esq., 86, East India Road, Poplar. The Annual Income from Premiums exceeds In addition to the above JAMES LINTOTT, Esq., 121, Bishopsgate Street Within. Bonuses have been added to the Policies exceeding The whole of the Profits are divided among the Members every five years. £100,000 35,000 800,000 600,000 The Association is not confined to Clerks, but includes among its Members EVERY CLASS OF SOCIETY. FAMILY POLICIES.-By the "Married Women's Property Act," passed in 1870, a married woman may effect assurances on her own life or the life of her husband, or a man may assure his life specially for the benefit of his wife and children; and such policies are not affected by bankruptcy, and cannot be taken by creditors, &c. By the new table of limited number of payments, Policies are not forfeited even by the nonpayment of Premiums. HALF-PREMIUM SYSTEM.-Assurances may be effected on the HALF-PREMIUM system for the first five years without debt or interest. Or, ONE-THIRD of the Premiums may be left at interest during the existence of the Policy. By this latter system an Assurance for £900 may be effected for the same present outlay as would assure £600 only. FREE or PAID-UP POLICIES.-Assurers of five years' standing, under Tables A 1, A 2, A 3, and F, or who have paid not less than £20 on their Policies, and whose age shall not exceed 60 years, may, if they desire to discontinue their Premiums, receive FREE or PAID-UP POLICY payable at death FOR THE WHOLE OF THE AMOUNT CONTRIBUTED. November, 1878. WM. THOS. LINFORD, F.I.A., Actuary and Secretary. Prospectuses and every information on application at the Chief Office, 27, MOORGATE STREET, London, E. C., or to the Agents. THE PROVIDENT CLERKS' AND GENERAL GUARANTEE ASSOCIATION, Limited. Subscribed Capital, £100,000. Called-up and Paid, £50,000. This Association issues GUARANTEE POLICIES for situations of trust. It is specially authorised to guarantee the Employés of the Government. By an arrangement with the PROVIDENT CLERKS' MUTUAL LIFE ASSOCIATION, all persons Assuring their Lives with that Association, in connection with a Guarantee, will be enabled to effect the latter at a considerable reduction of Premium. This arrangement has been so framed as to be mutually advantageous to both institutions. Prospectuses, Forms of Proposal, &c., may be obtained of the Agents, or at the Head Office. 61, COLEMAN STREET, LONDON. THE W. T. LINFORD. F.I.A., Secretary. PROVIDENT CLERKS' And GENERAL ACCIDENT INSURANCE COMPANY, Limited. Subscribed Capital, £50,000. The Insurances granted by the Company are chiefly comprised in the following classes-provision for special cases being made on application at the Head Office, 61, Coleman Street, City. 1. Insurance against Accidents of every kind, with or without allowances during entire or partial disablement. 2. Insurance against Railway Accidents only. 3. Insurance against Fatal Accidents during a Voyage. To Assurers with the PROVIDENT CLERKS' MUTUAL LIFE ASSOCIATION and the PROVIDent CLERKS' AND GENERAL GUARANTEE ASSOCIATION, Accident Policies are issued at reduced rates. 61, COLEMAN STREET. W. T. LINFORD, F.I.A., Secretary. The GREAT BRITAIN MUTUAL LIFE ASSURANCE SOCIETY 101, CHEAPSIDE, LONDON. VALUATION BALANCE SHEET (December 31st, 1876). The valuation of the outstanding Assurances is made at 4 per cent. by a mortality table framed upon Mr. Morgan's experience of the Equitable Society, with other trustworthy observations. The proportion of the reserve to the value of the future premiums is 17'65 per cent. WILLIAM M. MAKEHAM, Actuary and Secretary. THE GREAT BRITAIN FIRE INSURANCE COMPANY, 101, CHEAPSIDE, LONDON. Chairman-Sir ROBERT R. TORRENS, K.C.M.G. Insurances granted on equitable terms-the Premiums in all cases being charged in proportion to the risk to be incurred. W. F. WATKINS, Manager; E. C. FERNÍHOUGH, Secretary. London and General Plate Glass Insurance Co. 2, LUDGATE HILL, LONDON, E.C. (Corner of St. Paul's Church Yard). This Company covers the risk of all descriptions of Glass, and offers PERFECT SECURITY to the Assured, as is evidenced by the fact that up to 31st Oct., 1878, 44,002 BREAKAGES have been made good by the Company. Plate and other Glass insured at Equitable Rates. IMPERIAL FIRE INSURANCE COMPANY, Every Information and Forms of Proposal can be obtained from the Offices of the Company, or at any of its Agencies throughout the Kingdom. E. COZENS SMITH, General Manager. HAND-IN-HAND FIRE AND LIFE ASSURANCE SOCIETY. NEW BRIDGe street, BLACKFRIARS, LONDON, E.C. The Hon. LIONEL ASHLEY. JOHN LETTSOM ELLIOT, Esq. Directors. Vice-Admiral Sir LEOPOLD G. ANDREW JOHNSTON, Esq. T. FULLER MAITLAND, Esq. ARTHUR SPERLING, Esq. Auditors-J. LETTSOM ELLIOT, Esq.; CHAS. R. GURNEY HOARE, Esq.; T. A. FULLER MAITLAND, Esq. Bankers-Messrs. GOSLINGS and SHARPE, 19, Fleet Street. Physician-THOMAS K. CHAMBERS, M.D. Solicitors-Messrs. NICHOLL, MANISTY, & NICHOLL, 8, Howard Street, Strand. Secretary-BENJAMIN BLENKINSOP, Esq. The Oldest Insurance Office in the World. The only Mutual Office in the kingdom for both Fire and Life. Actuary-JAMES TERRY, Esq. There being No Shareholders, all Profits are divided amongst the Insured, the Returns on Policies of Five Years' standing and upwards being, with few exceptions In the Fire Department, 20 per cent, of the Premium of Annual Policies. Septennial Policies as heretofore. In the Life Department, 55 to 65 per cent. of the Premium of Members' Policles. No Policy Holder is subject to any Personal Liability. The Directors are willing to appoint as Agents persons of good position and character. 31st DECEMBER, 1877. Claims paid on Life Policies to this date, £1,404,384. Amount of Profits returned to this date, £1,035,008. Present Value of Sums Insured (£4,032,390) Present Value of Life Annuities (7,887 per Annum, and £250 Contingent) 240,316. The Accounts of the Society may be had on application at the Office. BENJAMIN BLENKINSOP, Secretary. CAPITAL, £2,000,000. Chief Offices: Queen Insurance Buildings, Liverpool, and 60, Gracechurch Street, London. TWENTIETH ANNUAL REPORT. The Report and Accounts for the year 1877, presented to the Shareholders at the Annual Meeting, on Thursday, 23rd May, 1878, at which BERNARD HALL, Esq., presided, showed in the FIRE BRANCH, That the Premiums for 1877, after deducting Re-insurances, amounted to £450,883, being an increase of £47,068 over the Premium income of 1876, and the Losses to 383,567 (including £127,000 lost in the St. John Fire), and that after providing for all liabilities the Reserves stand at £243,441. IN THE LIFE DEPARTMENT, That New Policies had been issued for £192,905, and that the Life Fund, by the additions made to it as the result of the year's operations, now represents 66'5 per cent. of the entire net Premiums received on every Policy in force. A Dividend and Bonus at the rate together of 15 per cent. per annum was declared, after providing for which, THE FUNDS will stand as follows: The Income of the Company is now £545,433. J. MONCRIEFF WILSON, General Manager. J. C. RUMFORD, Secretary in London. RELIANCE MUTUAL LIFE ASSURANCE SOCIETY, 71, King William Street, London, E.C. ESTABLISHED 1840. Trustees. The Right Hon. the EARL OF LEVEN AND Melville. Directors. J. T. ABDY, Esq., Baddow House, Chelmsford. ALEXR. HOWDEN, Esq., Birchin Lane. J. OXLEY PARKER, Esq., Bank, Maldon. JAM ES C. TRAILL, Esq., Castle Hill, Caithness. Messrs. STREET, SON, & POYNDER, 27, Lincoln's Inn Fields. Assistant Secretary-HENRY UNWIN. All kinds of Life Assurance may be effected. Loans granted on available security. The following statement shows the progress made in the acquisition of New Business during the last Five Years : |