BRITISH ASSOCIATION GUIDE BOOK. 



MUTUAL ASSURANCE AT MODERATE PREMIUMS. 



SCOTTISH PROVIDENT 



INSTITUTION. 



(Established 1837.) 



6 ST. ANDREW SQUARE, EDINBURGH. 

 GLASGOW-67 ST. VINCENT STREET. 



GLASGOW BOARD OF DIRECTORS. 

 WILLIAM G. DICKSON, Esq. , LL. D. , Sheriff of Lanarkshire. 

 ARCHIBALD ARROL, Esq., Merchant (Arch. Arrol & Sons), 16 Dixon Street. 

 ALEXANDER MITCHELL, Esq., Merchant, 33 Renfield Street. 

 JAMES HAY STUART, Esq., Commercial Bank, Gordon Street. 

 WILLIAM STEVENSON, Esq. Merchant, 23 West Nile Street. 

 THOMAS WHARRIE, Esq., C.E., 156 St. Vincent Street. 



Medical Officer Dr. J. G. WILSON, 9 WOODSIDEICRESCENT. 

 THE TERMS of this INSTITUTION are specially adapted to the case of 

 FAMILY SETTLEMENTS, where it is important to secure a competent provision 

 of definite amount from the first, at the smallest possibly outlay. 



Instead of charging rates admittedly higher than are necessary, and after- 

 wards returning the excess, or a portion of it, in the shape of periodical 

 Bonuses, it gives, from the first, as large an assurance as the Premiums will, 

 with perfect safety, bear reserving the Whole Surplus for those Members who 

 live long enough to secure the common Fund from loss on account of their 

 individual Assurances. 



A Policy for 1200 to 1250 may thus in most cases be had for the Premium 

 usually charged for 1000 only; while, by reserving the Surplus, large additions 

 may be expected on the Policies of those who live to participate. In a few 

 cases, Policies sharing at the whole four divisions have already been doubled. 



THE ACCUMULATED FUNDS now exceed 2,650,000, having increased 

 in last year by 229,882. 



Examples of Annual Premiums for 100 at Death (u-itk Profits). 



* Thus, a person of 30 may secure 1000 at death by a yearly payment 

 during life of 20, 15s. This Premium, if paid to any other of the Scottish 

 Mutual Offices, would secure 800 only, instead of 1000. 



OR he may secure the same sum of 1000 by twenty-one yearly payments of 

 27, 13s. 4d. At the age 40, the Premium ceasing at 60, is, for 1000, 

 33, 14s. 2d. ; about the same as most Offices require for the whole of life. 



Full Statements of Principles, Tables of Rates, and every information given 

 in the Annual Report, to be had at the 



Office in Glasgow 67 ST. VINCENT STREET. 



WM. CHURCH, JUN., Resident Secretary. 



