No. 1 Leadenhall Street
Capital, £200,000, in 2,000 Shares.
Directors.
E. Barnard, Esq. John H. Capper, Esq.
Robert Brooks, Esq. J. B. Elin, Esq.
Henry Buckle, Esq. C. E. Mangles, Esq.
Richard Onslow, Esq. William Walker, Esq.
Trustees—Edward Barnard, J. H. Capper, and Edward Thompson, Esqs.
Auditors—James Easton and Robert Capper, Esqs.
Solicitors—Messrs. Maples, Pearse, Maples and Pearse.
Bankers—The Union Bank of London.
Colonial Bankers—The Bank of Australasia (incorporated by Royal Charter, 1835), 8, Austin Friars, London.
Physician—Dr. Fraser, 62, Guildford-street, Russell-square.
Actuary and Secretary—Edward Ryley, F.R.A.S.
At Sydney there is a Board of Directors, and Agents and Trustees at Western Australia.
Agents in India.
| Calcutta | Messrs. Robinson, Balfour and Co. | |
| Madras | Messrs. Line and Co. | |
| Bombay | Messrs. Ritchie, Steuart and Co. | |
| Ceylon | Dr. J. C. Cameron, Assistant Staff-Surgeon. | |
| (Medical Referee.) |
The following peculiar advantages are offered by this Company.
1. Their policies cover the risk of living and voyaging over a far larger portion of the globe than do those issued by any other Company in existence. They allow the assured to reside in the Australasian and North American colonies, and at the Cape of Good Hope. They also allow one passage out and home to any of those colonies. For British India a very moderate extra-premium is charged.
2. Premiums may be paid, and claims settled at Sydney, Calcutta, Madras and Bombay.
3. A third of the premiums may remain unpaid for five years; nor is it necessary for the maintenance of the Assurance to pay up the premium at the end of that time, but the unpaid thirds may remain as a debt against the policy, if the interest be regularly paid upon them as the renewal premiums fall due.
The Annuities offered by the Company are on a more favourable scale than those offered by any other Companies, having been calculated with reference to the rates of Interest obtainable on Colonial Investments. Annuitants also participate in the profits.
Specimens of the Rates of Annuity for £100 sunk.
| Age. | Male Lives. | Female lives. | ||||||
| £ | s. | p. | £ | s. | p. | |||
| 40 | 7 | 8 | 3 | 6 | 18 | 2 | ||
| 50 | 8 | 13 | 6 | 7 | 14 | 4 | ||
| 60 | 10 | 16 | 3 | 9 | 9 | 0 | ||
| 65 | 12 | 12 | 0 | 10 | 19 | 0 | ||
| 70 | 15 | 0 | 8 | 13 | 2 | 6 | ||
| 75 | 18 | 9 | 2 | 16 | 3 | 5 | ||
EDWARD RYLEY, Actuary and Secretary.
CHURCH OF ENGLAND
LIFE AND FIRE INSURANCE INSTITUTION,
LOTHBURY, LONDON.
(Empowered by Special Act of Parliament, 4 & 5, Vic., Cap. xcii.)
SUBSCRIBED CAPITAL ONE MILLION.
A LIST OF THE PROPRIETORS ENROLLED IN THE HIGH COURT OF CHANCERY.
DIRECTORS.
Major James Oliphant, H.E.I.C., Chairman.
| Major James Adair | The Very Rev. the Dean of Emly |
| Rev. W. Harness, M.A. | J. Hopkinson, Esq. |
| Benjamin Jackson, Esq. | Rev. H. J. Knapp, D.D. |
| James Lamb, Esq. | Captain Macdougall |
| William Ambrose Shaw, Esq. | George Sloane, Esq. |
| Edward Heathcote Smith, Esq. | Rev. H. T. Tucker, M.A. |
| John Walker, Esq. | Sir William White |
| Rev. Richard Wood, B.D. |
AUDITORS.
R. S. Cahill, Esq. M. R. Scott, Esq.
BANKERS.
Messrs. Herries, Farquhar & Co. Commercial Bank of London.
SOLICITORS.
Messrs. E. C. Harrison.
SECRETARY.
William Emmens, Esq.
SCOTTISH BRANCH.
| Edinburgh. | Glasgow. |
| Office, 55, Great King Street. | Office, 24, Gordon Street. |
| Agent and Secretary. William F. Skene, W.S. | Agent and Secretary. Robert Baird, Jun. |
INDIAN BRANCH.
| Calcutta Committee. | Madras Committee. |
| Andrew Hay, Esq. | Edward F. Elliot, Esq. |
| James Steuart, Esq. | Walter Elliot. |
| J. Spencer Judge, Esq. | Rev. G. W. Mahon. |
| W. McAdam Stewart, Esq. | Robert Franck, Esq. |
| Dr. Duncan Stewart | Ramsey Sladen, Esq. |
| Agents and Secretaries. Messrs. Colvio, Ainslie, Cowie & Co. | Agents and Secretaries. Messrs. Parry and Company. |
SPECIMEN OF RATES.
| HOME | INDIAN | ||||||||||
| Age | Seven Years | Life | Age | Civil | Military | ||||||
| 7 Years | Life | 7 Years | Life | ||||||||
| £ | s. | d. | £ | s. | d. | Rs. | Rs. | Rs. | Rs. | ||
| 25 | 1 | 2 | 9 | 1 | 17 | 9 | 25 | 28 | 38 | 37 | 45 |
| 30 | 1 | 3 | 7 | 2 | 2 | 7 | 30 | 31 | 42 | 39 | 49 |
| 35 | 1 | 5 | 2 | 2 | 9 | 1 | 35 | 34 | 47 | 43 | 53 |
| 40 | 1 | 8 | 2 | 2 | 17 | 8 | 40 | 38 | 53 | 47 | 59 |
Prospectuses, the necessary Forms, and every requisite information for effecting Assurances, may be obtained on application to the Secretary, at the Head Office in London, or to the Agents and Secretaries in Scotland and India, as above.
Wm. EMMENS, Secretary.
THE LIVERPOOL AND LONDON
FIRE AND LIFE INSURANCE COMPANY.
(Established in 1836. Empowered by Act of Parliament.)
Offices—8, Water-street, Liverpool; 3, Charlotte-row, Mansion House, and 28, Regent-street, Waterloo-place, London; 29, Northumberland-street, Edinburgh; and Commercial-buildings, Dublin.
Trustees.
Sir Thos. Bernard Birch, Bart, M.P.
Adam Hodgson, Esq. Sl. Hy. Thompson.
DIRECTORS IN LIVERPOOL.
Chairman—William Nicol, Esq.
Deputy Chairmen—Joseph C. Ewart, Esq., Joseph Hornby, Esq.
| Thomas Booth, Esq. | William Brown, Esq., M.P. |
| Thomas Brocklebank, Esq. | William Earle, Esq. |
| T. Steuart Gladstone, Esq. | George Grant, Esq. |
| Francis Haywood, Esq. | Robert Higgin, Esq. |
| George Holt, Esq. | John Hore, Esq. |
| George H. Lawrence, Esq. | Harold Littledale, Esq. |
| Andrew Low, Esq. | John Marriott, Esq. |
| Edward Moon, Esq. | Lewin Mozley, Esq. |
| John Pennington, Esq. | H. Stolterfoht, Esq. |
Secretary—Swinton Boult, Esq.
Auditors—T. B. Blackburn, Esq., and Daniel James, Esq.
Bankers—Bank of Liverpool. Union Bank of London.
Solicitors—Messrs. Clay, Swift, and Wagstaff, Union Court, Liverpool.
Medical Referees—James Vose, M.D. Robert Bickersteth, Esq.
Surveyor—John Stewart, Esq.
DIRECTORS IN LONDON.
Chairman—William Ewart, Esq., M.P.
Deputy Chairman—George Frederick Young, Esq.
| Sir W. P. de Bathe, Bart. | Mathew Forster, Esq., M.P. |
| Frederick Harrison, Esq. | James Hartley, Esq. |
| Ross D. Mangles, Esq., M.P. | James D. Nicol, Esq. |
| Hon. F. Ponsonby. | John Ranking, Esq. |
| J. M. Rosseter, Esq. | Edward T. Whitaker, Esq. |
| Swinton Boult, Esq. |
Secretary to the Company.
Resident Secretary—Benjamin Henderson, Esq.
Manager of West-end Branch—Frederick Chinnock, Esq.
Bankers—Union Bank of London.
Solicitors—Messrs. Palmer, France, and Palmer, Bedford-row, London.
Medical Referees—Marshall Hall, M.D., F.R.S. A. Anderson, Esq., F.R.C.S.
Surveyors—Messrs. Thompson and Morgan, 2, Conduit-street West, Hyde Park.
The Amount of Capital Subscribed Exceeds £1,500,000. At the commencement of 1849, the Reserved and Guaranteed Funds were, together, £164,940. The liability of the Proprietors is unlimited.
The Fire Business has steadily Increased Year by Year. The Duty paid to Government in 1836 was £3,414, in 1846 it reached £12,362. The Premiums are moderate; the settlement of claims liberal and prompt. Insurances are effected at home and abroad.
In the Life Department, simplicity, certainty, and large Guaranteed Bonuses, involving no liability of Partnership, with very reasonable Premiums, are characteristics of the Company. The amount of Premiums on new business in 1846 was £3,160; in 1847, £3,687; in 1848, £4,410.
Capital Sums, payable on a fixed future day, giving to Property held under Lease for years certain the same value as if it were Freehold, are insured by the Company. Full Prospectuses may be had on application at the Offices or Agencies.
BENJAMIN HENDERSON, Resident Secretary in London.
SWINTON BOULT, Secretary to the Company.
UNDER THE ESPECIAL PATRONAGE OF
HER MOST GRACIOUS MAJESTY THE QUEEN.
SOCIETY
FOR GENERAL ASSURANCE ON LIVES.
THE ROYAL MILITARY, EAST INDIA AND GENERAL
LIFE ASSURANCE SOCIETY,
13, WATERLOO PLACE, LONDON.
Directors.
Colonel Sir Frederic Smith, K.H., F.R.S., R.E., Chairman.
James Nugent Daniell, Esq., Deputy Chairman.
| Admiral the Right Hon. Sir G. Cockburn, G.C.B. | Major-gen. Sir J. Cockburn, Bt., G.C.H. |
| General Sir Thomas Bradford, G.C.B., G.C.H. | Major-gen. Sir P. Ross, G.C.M.G., K.C.H. |
| Lieut.-gen. Sir John Gardiner, K.C.B. | Major-gen. Sir Hew D. Ross, K.C.B., R.A. |
| Captain Sir George Back, R.N., F.R.S. | Major-general Taylor, C.B., E.I.C.S. |
| Major-general Edward Wynyard, C.B. | Major-general Arnold, K.H., K.C. |
| Archibald Hair, Esq., M.D., late R.H.G. | Captain William Lancey, R.E. |
| William Chard, Esq., Navy Agent. | Wilbraham Taylor, Esq. |
| Major-general Sir John Rolt, K.C.B. | Major F. S. Sotheby, C.B., E.I.C.S. |
| Lieut.-colonel Alderson, R.E. | Major-general Sir George Pollock, G.C.B. |
Bankers—Messrs. Coutts and Co., 59, Strand.
Physician—Sir Charles Fergusson Forbes, M.D., K.C.H., F.L.S.
Standing Counsel—John Measure, Esq., 4, Serle Street, Lincoln’s-inn-fields.
Solicitor—Rowland Neate, Esq., 57, Lincoln’s-inn-fields.
Actuary—John Finlaison, Esq., the Government Calculator, and President of the Institute of Actuaries.
Assurances are granted upon the lives of persons in every profession and station in life, and for every part of the world, with the exception, for the present, of that part of the western coast of Africa within the tropics.
The Rates of Premiums are constructed upon sound principles with reference to every colony, and, by payment of a moderate addition to the Home Premium, in case of increase of risk, persons assured in this office may change from one climate to another, without forfeiting their Policies.
Four-fifths of the Profits are divided amongst the Assured, and the Bonus may, at their option, either be applied in augmentation of the Sum Assured, or in reduction of the Annual Premium, or its value may be received in Cash.
Joseph Cartwright Brettell, Secretary.
UNIVERSAL LIFE ASSURANCE SOCIETY,
ESTABLISHED IN THE YEAR 1834.
Empowered by Special Act of Parliament.
1, KING WILLIAM STREET, LONDON.
FOR THE ASSURANCE OF LIVES
AT HOME AND ABROAD,
INCLUDING GENTLEMEN ENGAGED IN
THE MILITARY, NAVAL AND CIVIL SERVICES IN INDIA.
Directors.
| Sir Henry Willock, K.L.S., Chairman. | John Stewart, Esq., Deputy-Chairman. |
| Major-gen. Sir R. Armstrong, C.B. K.C.T. & S. | John Bagshaw, Esq., M.P. |
| Augustus Bosanquet, Esq. | Charles Dashwood Bruce, Esq. |
| Ellis Watkin Cunliffe, Esq. | William Kilburn, Esq. |
| Francis Macnaghten, Esq. | Charles Otway Mayne, Esq. |
| William Rothery, Esq. | Robert Saunders, Esq. |
| James Duncan Thomson, Esq. | Captain Samuel Thornton, R.N. |
Auditors.
Robert Gardner, Esq.
Robert Hichens, Esq.
William Oxborough, Esq.
Bankers.
The Bank of England and Messrs. Curries and Co.
Solicitor.
William Henry Cotterill, Esq.
Physician.
George Burrows, Esq., M.D., F.R.S.
45, Queen Anne Street, Cavendish Square.
Actuary.
David Jones, Esq.
Secretary.
Michael Elijah Impey, Esq.
ADVANTAGES OFFERED BY THIS SOCIETY.
Particular attention is requested to the rates, which, being founded on the most accurate observations of the duration of human life, are as moderate as is consistent with perfect security.
The Profits are declared in each year, on the second Wednesday in May, on which date all those whose Policies have been in existence five complete years, are entitled to participation therein.
This practice of an annual division, as observed by Mr. Babbage, “distributes the Profits with more regularity and justice than any other,” and it is especially advantageous to persons of advanced years, who cannot hope to participate in many septennial or decennial divisions.
One-fifth of the ascertained Profits of the five preceding years is divided between the Policy-holders and Shareholders, three-fourths to the former and one-fourth to the latter. The remaining four-fifths are set apart to enter into the average of the succeeding years, and thus to provide against unforeseen contingencies.
The Annual Reduction has averaged considerably above 40 per cent., and in no one year has it fallen below that amount.
The following Table will show the operation of the reduction of 40 per cent. made by the Society to all holders of Policies entitled to participate in Profits, by reason of their having paid six complete original annual Premiums:—
| Age when Policy was issued. | Sum assured. | Original Premium. | Reduced annual Premium for the current year. | ||||
| £ | £ | s. | p. | £ | s. | p. | |
| 20 | 1000 | 19 | 6 | 8 | 11 | 12 | 0 |
| 30 | 1000 | 24 | 8 | 4 | 14 | 13 | 0 |
| 40 | 1000 | 31 | 10 | 0 | 18 | 18 | 0 |
| 50 | 1000 | 42 | 15 | 0 | 25 | 13 | 0 |
| 60 | 1000 | 66 | 11 | 8 | 38 | 19 | 0 |
Thus it will be seen that the benefits arising from the Division of Profits will be experienced by each whole Life Assurer on the payment of his seventh annual Premium.
This system of reduction in the Premiums affords immediate benefit to the Assured, or enables them to secure a considerable bonus by effecting a new Policy.
INDIAN BRANCH.
Policies are granted in London, and by resident Committees at Calcutta, Madras and Bombay, on India Risks, at very advantageous rates, calculated from extensive data and tables, exclusively in the possession of this Society, to show the true risk of life during residence in India, and after retirement from foreign service.
To parties who are proceeding to India, this Society offers advantages such as are not attainable in any other Assurance Company; for, while a fair and equitable rate is charged for the increased risk of residence in a tropical climate, the assured are, upon permanent return to this country, reduced to the English rates, corresponding with the age at which the assurance was originally effected, without reference to their state of health, and without being subject to any medical examination whatever.
Agents in India.
Messrs. Braddon and Co., Calcutta.
Messrs. Bainbridge and Co., Madras.
Messrs. Leckie and Co., Bombay.
RELIANCE MUTUAL LIFE ASSURANCE
SOCIETY,
No. 71, KING WILLIAM STREET, MANSION HOUSE,
LONDON.
The Entire Profits divided among the Assured.
Directors.
| Vernon Abbott, Esq. | Lieut. Colonel Abdy. |
| George Ashlin, Esq. | Hall Hall, Esq., R.N. |
| John James, Esq. | John Ledger, Esq. |
| R. W. S. Lutwidge, Esq. | Henry T. Prinsep, Esq. |
| William Phelps, Esq. | Charles H. Smith, Esq. |
| James Traill, Esq. | William Foster White, Esq. |
| George Whitmore, Esq. | Edward Winslow, Esq. |
| John Young, Esq. |
Advantages presented by this Society.
Life Assurances may be effected upon Equal, Half-Premium, Increasing or Decreasing Scales; also by Single Payments, or Payments for limited periods. Tables have been specially constructed for the Army, Navy, East India Company, and Merchant Services; also for persons voyaging to, or residing in, any part of the world.
Endowments for Widows and Children, Pensions for retired Officers and Civilians Immediate or Deferred Annuities, and Survivorships.
The Bonus declared on 30th of March, 1847, gave a Reduction of Premiums, until next division of Profits, averaging 36 per cent. on Policies in force Five Years, or an addition to the Sums Assured, ranging from one-third to one-half of the total amount of Premiums paid.
E. OSBORNE SMITH, Actuary and Secretary.
Agents—Messrs. J. OUCHTERLONY & Co., Madras.
THRESHER AND GLENNY,
EAST INDIA AND COLONIAL OUTFITTERS,
152, STRAND, LONDON.
Messrs. THRESHER AND GLENNY respectfully invite attention to their General Outfitting Establishment, which comprises the following advantages:—
EQUIPMENTS for LADIES, GENTLEMEN and FAMILIES, suitable to all circumstances and appointments, are supplied at the Wholesale Prices, and are prepared, packed, and shipped, without any trouble to the parties.
CLERGYMEN, WRITERS, CADETS, ASSISTANT SURGEONS, and others, are provided free of expense with detailed Lists of the requisite Equipment for India, China, Australia, &c., both by Ship and by the Overland Route.
MILITARY and NAVAL OFFICERS, CIVILIANS, and others returning to India, Officers joining their Regiments, &c., are provided with every requisite for the completion of their Outfits, at the usual Wholesale Prices.
ESTIMATES for LADIES, and FAMILY OUTFITS, with Lists of the Articles required, the several prices of each, and every particular connected with the necessary Equipment for India or the Colonies, will be forwarded on application.
PASSENGERS’ BAGGAGE, PACKING, &c.—Messrs. Thresher and Glenny undertake to receive, arrange, and carefully pack Outfits and Passengers’ Baggage, and to ship the same, either in the Docks, or on Board the Peninsular and Oriental Company’s Steamers at Southampton; to fit up the Cabins, and to insure the Outfits, Baggage, Passage, &c., without entailing any trouble whatever on the parties.
PASSAGES TO INDIA, CHINA, &c.—Full particulars of the Overland Route to India, Regulation of Baggage, Rates of Passage Money to Malta, Alexandria, India, China, &c.; also, Expenses of Passage by Ship, Lists of Ships sailing, &c., &c., will be forwarded to any part of the country free of expense, and Passage secured if required.
Messrs. THRESHER and GLENNY beg to observe, that Outfits supplied by them are arranged with the STRICTEST ECONOMY, all useless expense scrupulously avoided, and those Articles only recommended which experience has proved to be actually necessary. The Goods are all charged at the lowest Wholesale Prices; consequently all Orders and Outfits must be paid for on delivery, and no discount whatever can be allowed.
The following Articles, Manufactured by Thresher and Glenny, can only be procured at their Warehouse, 152, Strand, London.
THRESHER’S REGISTERED TRAVELLING BAGS—manufactured by authority of the Peninsular and Oriental Company, expressly for their Steam Ships to Vigo, Oporto, Lisbon, Cadiz, Gibraltar, Malta, Alexandria, and India.
THE REGULATION OVERLAND TRUNK—manufactured by direction of the Egyptian Transit Company, for crossing the Desert, and for travelling in Egypt, Syria, and India, and authorised by all the Companies connected with the Overland Route.
THE NAPIER BED AND BULLOCK TRUNKS—manufactured expressly for marching in India, by direction of General Sir Charles Napier, G.C.B., Commander-in-chief of India, &c., &c., strong, light, and water-proof.
THRESHER’S INDIA GAUZE WAISTCOATS.—These most important articles of clothing for wear in India, possesses all the advantages, without the inconvenience, of flannel waistcoats; the texture is light, soft, and durable, and perfectly free from every irritating and disagreeable quality.
J. C. CORDING,
NAUTICAL AND SPORTING
WATERPROOFER AND TAILOR,
231, Strand,
Five Doors West of Temple Bar.
Manufacturer of the New Dreadnought Coats, warranted to resist the effects of any climate. The superiority of this new description of Waterproof is acknowledged by all who have tried it, being perfectly pliable and elastic, and not affected by the sun or frost. It answers equally well on a great variety of fabrics suitable to tropical or polar regions, and is invaluable to the sportsman, the sailor, and every one likely to be exposed to the elements.
Cording’s Sheet India Rubber Fishing Boots are made up with improvements, the suggestions of veteran sportsmen, and have the appearance of leather, but are one-half the weight; they are, also, more pliable, and never crack; they are perfectly waterproof for any length of time, require no dressing to keep them in condition, and are pronounced by gentlemen who have tried them to be the only article fit for the purpose.
YACHTING JACKETS, TROUSERS, LEGGINGS, HATS AND SOUTHWESTERS.
Patent Life Belts.
Ladies’ Capes, Hoods and Petticoats.
Gig and Box Aprons, Travelling Knee Wrappers, Driving and Travelling Gloves.
FISHING STOCKINGS AND GOLOSHES, SNIPE BOOTS.
Every description of article made to order if required, either Black or Drab coloured.
A new and excellent Oil-proof Cape, for labourers and keepers, warranted not to crack, from 3s. 6d. each, or 40s. per dozen upwards.
Caution.—As many shopkeepers are selling inferior goods as “Cording’s Waterproofs,” thereby causing disappointment to the purchaser and bringing undeserved discredit on the good article, gentlemen are requested to observe that J. C. Cording’s name is on all articles manufactured by him, and he requests he may be judged by the service of those only.
Every one may be certain of purchasing Articles really Waterproof from
J. C. CORDING, 231, STRAND,
(FIVE DOORS WEST OF TEMPLE BAR.)
W. BUCKMASTER & CO.,
MILITARY TAILORS, &c.