NORTH BRITISH AND MERCANTILE 
INSURANCE COMPANY. 
ESTABLISHED 1809. 
Incorporated by Royal Charter and Special Acts of Parliament. 
FIRE-LIFE-ANNUITIES, 
TOTAL ASSETS, . . £10,075,218. 
(PE FUNDS of the Life Department are not lable for Obligations under 
the Fire Department, nor are the Funds of the Fire Department liable for 
Obligations under the Life Department. In this Company, therefore, the 
Investments for the Life Department are kept entirely separate from those for 
the Fire Department, as set forth in the Balance Sheet. 
President.—HIS GRACE THE DUKE OF ROXBURGHE. 
Vice-President.—HIS GRACE THE DUKE OF SUTHERLAND, K.G. 
EXTRAORDINARY DIRECTORS. 
Rigut Hon. LORD NORTHBOURNE. | Sm MATTHEW WHITE RIDLEY, Barrt., M.P. 
Rieut Hon. Toe EARL OF STRATHMORE. | RiegHr Hon. LORD WOLVERTON. 
Riegut Hon. THe EARL OF ABERDEEN. | Tur Hox. LORD WELLWOOD. 
RigHt Hon. LORD FORBES. 
Chairman of General Court of Directors—DAVID DAVIDSON, Esa. 
EDINBURGH BOARD OF DIRECTORS. 
J. F. WALKER-DRUMMOND, Esa. RALPH DUNDAS, Esq. 
DAVID B. WAUCHOPE, Esa. JOHN WHARTON TOD, Esa. 
Sm JAMES GARDINER BAIRD, Barr. ~ Sm JAMES H. GIBSON-CRAIG, Bart. 
GEORGE AULDJO JAMIESON, Esq. | taut Hoy. Tot EARL OF ELGIN. 
FREDERICK PITMAN, Esq. | Sir THOMAS CLARK, Bart. 
CHARLES GAIRDNER, Esq., LL.D. CHARLES B. LOGAN, Esa. 
CHARLES C. MACONOCHIE, Esa. 
Manager A. GILLIES-SMITH F.R.S.E, Secretary PHILIP R. D. MACLAGAN. 
Actuary THOMAS WALLACE. 
Medical Oficers JOHN MOIR M.D. F.R.C.P., and J. PLAYFAIR M.B. F.R.C.P.E. 
Solicitors J. & F. ANDERSON W.S. Auditor JAMES HALDANE C.A. 
Die Be DEPART Vinee 
IMPORTANT FEATURES. 
All Bonuses now vest on Declaration, while in the The Suicide Clause is abolished. 
event of a claim arising under a participating The form of policy has been shortened and simplified 
policy even before a Declaration of bonus, the | so that the true meaning of the contract may 
usual intermediate bonus will be paid. | be readily ascertained. 
The period during which a lapsed policy may be | Claims paid immediately on proof of death and 
revived is extended to one year, and the fine | title. 
payable on revival is much reduced, | Premiums adjusted to each half-year of age. 
The Surrender Value of a lapsed policy is now held Minimum Surrender Values fixed. 
at the credit of the assured during the extended Policy not forfeited by error in Proposal Papers, 
period of ten years ; and during that period the unless accompanied by fraud. 
option is allowed of taking a paid-up policy | General_freedom of policies from restriction in 
calculated on very favourable terms, Residence, Occupation, and Trayel. 
NINE-TENTHS of the WHOLE PROFITS of the LIFE ASSURANCE BRANCH are allocated 
to PARTICIPATING POLICIES. 
ANNDLTY BRAN CED 
Contingent, or Deferred, are granted on favourable terms. 
Annuities,—]! mmediate, 
FIRE. DEPARTMENT. 
Property of nearly every description Insured at Home and Abroad at the Lowest Rate 
of Premium corresponding to the risk. 
LOSSES PROMPTLY AND LIBERALLY SETTLED. 
Prospectuses may ve had at the Chief Offices, Branches, or Agencies, 
CHIEF OFFICES: 
EDINBURGH 64 PRINCES STREET. LONDON—61 THREADNEEDLE STREET, E.C, 
