ESTABLISHED 1809. 



NORTH BRITISH AND MERCANTILE 



INSURANCE COMPANY. 



Incorporated by Jioyal Charter and Special Acts of Parliament. 



F I R E-L I F E-A N N U I T I E S. 



TOTAL FUNDS £7,315,541 



TOTAL CLAIMS PAID exceed . . £21,000,000 



TOTAL INCOME for 1888, above £2,000,000 



The Accumulated Funds of the Life Department are entirely free from liability 

 for the Fire Department, and in like manner the Funds of the Fire Department are 

 free from liability for the Life Department. The Investments of the Life and 

 Annuity Branches are therefore kept absolutely distinct from those of the Fire 

 Department, and the Investments for each will be found separately set forth in the 

 Balance Sheets. 



President.— HIS GRACE THE DUKE OF KOXBURGHE. 

 Vice-President.— HIS GRACE THE DUKE OF SUTHERLAND, K.G. 



EXTRAORDINARY DIRECTORS. 

 Right Hon. LORD NORTHBOURNE. | Sir MATTHEW WHITE RIDLEY, Bart., M.P. 



RioHT Hon. The EARL OF STRATHMORE. Right Hon. LORD W OLVERTON. 



RiouT Hon. The EARL OF ABERDEEN. | The Hon. LORD WELLWOOD. 



Chairman of General Court of Directors— DAVID DAVIDSON, Esq. 



EDINBURGH BOARD OF DIRECTORS. 

 J. F. WALKER-DRUMMOND, Esq. i CHARLES GAIRDNER, Esq., LL.D. 



DAVID B. WAUCHOPE, Esq. 



Sir JAMES GARDINER BAIRD, Hxkt 



GEORGE AULDJO J.VMIESON, Esq. 



FREDERICK PITMAN, Esq. 



EVAN ALLAN HUNTER, Esq. 



RALPH DUNDAS, Esq. 



JOHN WHARTON TOD, Etq. 



Sir JAMES H. GIBSON-CRAIG, Bart. 



Right Ho.v. Thk EARL OF ELGIN. 



Sir THOMAS CLARK, Bart. 



CHARLES B. LOGAN, Esq. 

 Manager, A. GILLIES-SMITH, F.R.S.E. | Secretary, PHILIP R. D. MACLAGAN. 



Actuary, THOMAS WALLACE. 

 Medical Officer, JOHN MOIR, M.D., F.R.C.P. 

 Solicitors, J. & F. ANDERSON, W'.S. | Auditor, JAMES HALDANE, C.A. 



LIFE DEPARTMENT. 



Net Life Premiums for 1888 £359,440 



SPECIAL FEATURES. 



Claims paid on proof of death and title. 



Premiums adjusted to each half-year of age. 



Minimum Surrender Values fixed and held at credit of Insured for five years. 



Paid up Policy of Liberal Amount granted in place of Lapsed Policy, if desired within 



Six Months. 

 Inaccurate Statements in Proposal Papers do not involve Forfeiture of Policy unless 



accompanied by Fraud. 

 Policies in most cases free from all Restrictions as to Occupation, Residence, and Travel. 



ANNUITY BBANCH. 

 Consideration received for Annuities in 1888, .... £166,688 



FIRE DEPARTMENT. 

 Net Fire Premiums for 1888, £1,282,255 



I'roperty at Home or Aliroad Insured .at tliu Lowe.st Rate.s. 

 rrospectuteii and every information niay be had at the Chief Offices, Branches, or Agencies, 



CHIEF OFFICP^ ' LONDON, ... 61 THREADNEEDLE ST., E.G. 

 ^^^~( EDINBURGH, . G4 PRINCES STREET. 



