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For the Purchase of Absolute or Contingent Reversions, Ufa Interests, and Policies of Assurance on
OFFICE—No. -63, OLD BROAD STREET, LONDON. (E.C.)
John Pemberton Iieywood, Esq., Chairman.
Edwhi Ward Scaddino, Esq., Deputy-Chairman.
Coope, Ootavius E., Esq. Kennaway, Sir John, Bart.
Cowan, Alexander, Esq. Tew, Edward, Esq.
Cowan, Charles, Esq., M.P. Townsrnd, R. E. A., Esq.
Dickson, Robert, M.D., F.L.S. Wilde, Charles N., Esq.
MesBrs. Cardale, Iliffe, & Russell, Bedford Row.
Francis A. Exoelbach, Esq. (The Alliance Assurance Company.)
The Directors are prepared to treat for the pnrchaso Of Every Description Of Well-secxses Reversions And Life Interests, And Of Policies Of Assurance On Lives.
Persons desirous of selling Property of such a nature will find that this Company affords li? means of realizing the full value, without the expense or publicity consequent on a sale by Aoctkc
Forms for submitting Proposals for Sale may bo obtained at the offices of the Company, ail information and assistance will be rendered with a view to the speedy completion of Contracts.
G. A. REND ALL, Secretary.
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OFFICE—No. 5, WHITEHALL, LONDON.
DIRECTORS AND TRUSTEES.
Thomas Blackall, Esq., M.D. I Henry Walmisley, Lsq.
Charles Thomas Holcombe, Esq. I
The Business of this Company consists in the Purchase of, or Loans upon, Reversionary Interests, vested or contingent, in Landed or Funded Property, or &curiiia; also,
Life Interests in Possession, as well as in Expectation; and
Loans upon Reversions may be obtained either at an Annual Interest, or in consideration of deferred charges payable upon the Reversions falling in.
Immediate Annuities are likewise granted upon the latter principle to persons entitled to Reversionary Interests, who may thus obtain an mcomo until their property falls into posses*;-::, without being called upon for any payment until that event.
Prospectuses and forms of proposals may be obtained from the Secretary, to whom all commuLications should be addressed, free of postage.
By Order of the Board of Directors, W. BAR WICK HODGE, Actuary and Secretary.
ANNUAL DIVISION OF PROFITS AND LARGE REDUCTION OF PREMIUMS,
FIRE AND LIFE INSURANCE SOCIETY,
1, New Bridge Street, Blackfriars, Xttfndon.
INSTITUTED IN 1696.—EXTENDED TO LIFE INSURANCE 1836.
Immediate, Deferred, and Survivorship Annuities Granted.
The Hon. William Ashley. James Esdaile, Esq. William Scott, Esq.
The Hon. Sir Edward Cust. Harvie M. Farquhar, Esq. John Sperling, Esq.
John Lettsom Elliot, Esq. E. Fuller Maitland, Esq. VV. Esdaile Winter, Esq.
The important advantages offered by the-plan and constitution of the Life Department of this Society are—
That Insurers are protected by a large invested Capital, upon which thero is no Interest to pay, and for which no deduction of any kind is made; which enaoles the Directors to give the whole of the Profits to Insuring Members.
That the Profits are divided annually amongst all Members of five years' standing, and applied towards reducing Life Insurance to the lowest possible rates of Premium.
The abatement of Premium on all Policies of five years' standing was in 1842, 1843, and 1844 at the rate of £45 per cent, in each year; in 1845, 1846, 1847, and 1848, £50 per cent, in each year; and in 1849, 1850, 1851, 1852, 1853, 1854, 1855, 1856, and 1857, £52 10s. per cent in each year; and it is expected that an equal abatement will in future bo annually made.
Persons insuring their own lives, or the lives of others, may become Members.
Persons who are willing to forego participation in the Profits can insure at a lower rate than that charged to Members.
The following Table will show the effect of the Beduction of Premium made by the Society on Members' Policies that have been five years in force :—
This system of reducing the Premiums affords immediate benefit to the Members, and enables them to insure a further sum upon their Lives equal to more than one-third of the present policy, without any additional outlay.
No charge for Policy Stamps.
Insurances aro effected on every description of property at the usual rates.
(By Order) BICHABD BAY, Secretary.
THE LONDON ASSURANCE,
INCORPORATED AJ>. 1720.
FOR LIFE, FIRE, AND MARINE ASSURANCES.
Bead Office-*No. 7, ROYAE EXCHANGE, COKNHILL.
Actuary—Peter Hardy, Esq., F.B.S.
Two Members Of The Court In Rotation, And
Superintendent—Philip Scoones, Esq.
This Corporation has granted Assurances on Lives for a period exceeding' One Hundred and Thirty Years, having issued its first Policy on the 7th June, 1721. Two-thirds, or 66 per cent, of the entire profits are given to the Assured. Policies may be opened under any of the following plans, viz.:—
At a low rate of premium, without participation in profits, or at a somewhat higher nie, entitling the Assured, either after the first fire years, to an annual abatement of premium for tia remainder of life, or, after payment of the first premium, to a participation in the ensuing qucquennial Bonus.
The abatement for the year 1857 on the Annual Premiums of persons who have been Assawl under Series " 1831" for five years or longer, is upwards of 33 per cent.
The high character which this ancient Corporation has maintained during nearly a Century and a Half, secures to the public a full and faithful declaration of profits.
The Corporation bears the whole Expenses Of Management, thus giving to the Assured, it consequence of the protection afforded by its Corporate Fund, advantages equal to those d any system of Mutual Assurance.
Premiums may be paid Yearly, Half-Yearly, or Quarterly.
All Policies are issued free from stamp duty, or from charge of uj description whatever, beyond the Premium.
The attention of the public is especially called to the great advantages offered to l& Assurers by the Legislature in its recent Enactments, by which it will be found that to a deiW extent, Life Premiums are not subject to Xncome Tax.
The fees of Medical Referees are paid by the Corporation.
Every facility will be given for the transfer or exchange of Policies, or any other suit&Bs arrangement will be made for the convenience of the Assured.
Annuities are granted by the Corporation, payable Half-Yearly.
Prospectuses and all other information may be obtained by either a written or personal application to the Actuary or to the Superintendent of the West End Office.
JOHN LAUBENCE, Secretary
PROVIDENT LIFE OFFICE,
No. 50, REGENT STREET, LONDON;
POLICY HOLDERS* CAPITAL, £1,369,704. ANNUAL INCOME, £.173,306. BONUSES DECLARED, £960,000.
Claims paid since the establishment of the Office, £2,660,1
THE RIGHT HONOURABLE EARL GREY.
Henry B. Alexander, Esq., Chairman.
Henry Blencowe CHURCHILL, Esq. I Apsley PELLATT^Esq
William Jddd, Esq.
Georoe Round, Esq.
Managing Director.—John A. Beaumont, Esq. Secretary.—John Hoddinott, Esq. Physician.—John Maclean, M.D., F.S.S., 29, Upper Montagu Street, Montagn Square. Bankers.—Messrs. Ransom, Bouyeeie & Co.
No charge for Policy Stamps or Medical Fees.
The Kates of Premium are those adopted by the principal Life Offioes; the Rate without Bonus is lower than that of most other Offices.
The Bonuses arc added to the Policies, or applied to the reduction of Premiums.
Policies issued by this Office arc purchased at their full value; or Loans may bo obtained upon them after they have been in existence five years.
If a party neglect to pay for the renewal of his Policy, he may repair the omission any tima within twelve months, upon proof of good health.
The Profits (subject to a trifling deduction) are divided among the Insured. The plan upon which they are divided gives to each party Insured a share proportionate to the amount of the Premiums he has contributed.
In addition to this advantage which is now offered to the Policy-holders in this Office, an annual addition or bonus is made to each Policy in anticipation of the Quinquennial Division of Profits.
The following Extract, from the List of Claims paid by the "Provident," is published with the sanction of the parties interested in the Policies, some of whom have accompanied their acknowledgment of the unexpected advantages with an earnest desire that the widest circulation may ba given to the publication.
LIFE ASSURANCE COMPANY,
ESTABLISHED 1825.—CONSTITUTED BY ACT OF PARLIAMENT.
HIS GRACE THE DUKE OF BUCCLEUCH AND QUEENSBERRY.
Auuitdii Gillespie, Esq., 3, Billitcr-eourt. Fbascis Le Bbetox, Esq., 3, Crosby-square.
Johh H. Plowes, F,sq., 64, Old Broad-street. Joux LrirnsAr, Esq., 7, Portman-sqoarc.
JoHir Scott, Esq., 4, Hyde Park-street.
RESIDENT SECRETARY. INSPECTOR OF AGENCIES.
H. Joins Williams. Wiixux Bmux.
THE STANDARD LIFE ASSURANCE is one of the oldest and most successful of the Scottish Life Offices, and the Directors attribute its high position in public favour to the unremitting care bestowed on its management, to the liberality which has marked its dealings, and the facilities granted to its Policy-holders, and to the successful results of the business, as evidenced by the Division of Profits. The New Business transacted by this Company in the year 1885 was greater than that of any other Life Office in Great Britain.
The Remits of the Year, from 15th November, 1855, to 15th November, 1856 :—
Sums proposed for Assurance £669,801 6 7
New Assurances eu°eeted. contained in 938 Policies 616,351 6 7
Corresponding Annual Premiums on new Assurances 16,769 3 4
Claims by Death during the Year, exclusive of Bonus Additions 76,315 2 3
Annual Revenue at 15th November, 1856 254,484 10 8
The new assurances effected during the last seven years have averaged upwards of Half a
Million sterling annually.
UNCHALLENGEABLE POLICIES and FEEE RESIDENCE in any part of the World.
Policies of five years' duration are admissible to classes of select Assurance, whereby these advantages are obtained. Important Resolutions were passed on 1st May, 1855, relative to non-forfeiture of Policies. Lapsed Policies can now be revived within thirteen months of the non-payment of Premium.
LIBEEAL STJBBENDEB VALUES ALLOWED.
DIVISION OF PROFITS.
THE STANDARD LIFE ASSURANCE COMPANY was established in 1825, and the Profits which had arisen on its business have already been divided on five occasions—1835,1840,1845,1850, and 1855—when large additions have been made. For example:—
Policies of Intervening and later dates have also received large additions according to their age and standing. Value of Bonus can bo paid in Cash, or applied in reduction of Premium for life or five years. Every information can be obtained at the several Offices of the Company.
WILL. THOS. THOMSON, Manager.
H. JONES WILLIAMS, Setidmt Secretarj.
DTSBX.XH-. EpiWBTTROH HOKDOJT.
- (head Office).
£6i TTpper Sackville-street. 3, George-street. 82, Xing William-street, E.C.