Mas. &] 



THE 



W 



JtfUBDAT, MARCS 9, 1844. 



„~ »vfTHFALTHYLIVES ASSURED. 

 DISEASED AND HEAL1H i ERAL LIFE 



AT EDlC £ L o< laU Mall London -This Office is provided 

 31 OFFICE, 2f • j*" „, t a 'i' et ed Tables, by which it can Assure 

 ia T ery accurately^onst acted 1 » ^ J e „ Annuities granted 

 BiM«edUvesonEquitaDie i« . with tne pa ,ticnlar 



?rS-«»f ^"'of Cont^mpSve Familifs Assured at Equitable 



Membersofconbumpuv* E G p NKISONr Actu ary. 



^rnTTstlN COLONIAL and GENERAL 



r^MsuJtsCH and ANNUITY COMPANY, 126, 



S L L* a ftTPet Corner of Cornhill. 



Bishopsg^te-streei, shares.-Di rectors :— 



Capital *nW™> m Gid eon Colquhoun, Esq. 



E. Barnard, Esq.j r.rv.*. r R Man0 . les , esq. 



A 



Robert Brooks, Esq 

 Henry Buckle, Esq. 

 John Henry Capper, Esq 



C. E. Mangles, Esq. 

 Richard Onslow, Esq. 

 William Walker, Esq. 



rankers.— Union Bank of London. 

 ., n.vKERs -The Bank of Australasia (incorporated by 

 Colon'IAL Banker*. * Moorgate-street. 



P aT sic^:-Patrick Eraser! Esq M^D No 62, Guildford-st. 

 Physician, r g y# _ Edwa rd Ryley, Esq. 



.« rR anceS may be effected with this Company at u™?« al Jy 

 ASSLRAW^a "£f. rdin p. eV ery variety of accommodation to 



Jt T °KS™d WKton in Profits, ascending and descending 

 tbe Assured Participa one-third of the pre- 



SCal ^ ilS is charged as a debt against the policy, tables for 

 mmm ' r^rl of a sum payable in the event of death to the exe- 

 %£™?A&™£* himself upon the attainment of the 



^oEMlGRANTStothe AUSTRALASIAN COLONIES assured 

 for the whole life, this Company offers the advantages of permis- 

 sion to proceed to. to reside in, and to return from those colonies 

 without extra premium, and to pay their premiums there. 



All questions relating to Assurance and Annuities, addressed to 

 the Secretary, will receive i mmediate attention. 



ARGUS LIFE ASSURANCE COMPANY, 39, 



l\. Throgmorton- street, Bank. 



Empowered by special Act of Parliament, 5 & 6 W. IV., c. 7o. 

 Thomas Farncomb, Esq., Alderman, Chatrman, 

 William Leaf, Esq., Deputy- Chairman. 



J. Humphery, Esq., M.P., Aid. 

 Rupert Ingleby, Esq. 

 Thomas Kelly, Esq., Alderman. 

 Jeremiah Pilcher, Esq. 



, ^. Lewis Pocock, Esq. 



Physician— Dr. Jeafferson, 2, Finsbury-square. 



Surgeon— W. Coulson, Esq., 2, Frederick's place, Old Jewry. 



Consulting Actuary— Professor Hall, of King's College. 



Advantages of the Argus Life Assurance Company. 



Low Rates of Premiums. 

 Th addition to the subscribed capital of 300,000/., the Assured 

 have the security of the Company's Income of nearly 60,000/. per 

 annum, yearly increasing, and accumulating Assurance Fund 

 invested in Government and other available Securities, of con- 

 siderably larger amount than the estimated liabilities of the Com- 

 pany. The Rates of Premium are reduced to the lowest scale com- 

 patible with the safety of the Assured and the stability of the 

 Company, thereby in effect, giving to every Policy-holder an im- 

 mediate and certain bonus without risk, in lieu of the deferred 

 and frequently delusive prospect of a periodical division of profits. 



Annual Premium to assure j£100.* 



Richard E. Arden, Esq. 

 William Banbury, Esq. 

 Edward Bates, Esq. 

 Thomas Camplin, Esq. 

 James Clift, Esq. 



■Age. 

 20 

 30 

 40 

 50 

 60 





For One Year. 

 £0 17 8 

 1 1 8 

 15 

 1 14 1 

 3 2 4 



For Seven Years, 





£o 

 1 

 1 

 1 

 3 



16 1 

 2 7 

 6 9 



19 10 



17 



Whole Term. 



£l 



2 

 2 



4 



6 



11 

 



14 



10 



7 



10 



11 



10 



One-third of whole-term Premiums may remain unpaid at 5 

 per cent. comp. int. as a debt upon the Policy for life, or may be 

 paid off at any time without notice. 



In Assurances for advances of money as security for debts, or 

 as a provision for a family, when the least present outlay is desir- 

 ab / e « th _e varied aud com P r ehensive Tables of the Argus office 

 ■will be found to be particularly favourable to the Assured. 



A Board of Directors, with the Medical Officers, attend daily, 

 at a quarter before 2 o'clock. 



EDWARD BATES, Resident Director. 

 A Liberal Commission to Solicitors and Agents. 



jVTUTUAL LIFE ASSURANCE SOCIETY, No. 



* -*• 37, Old Jewry, London.— Established 1834. 



Directors. 



S. Adams Beck, Esq. 

 James Burchell, Esq. 

 John Clayton, Esq. 

 Solomon Cohen, Esq. 

 John Cole, Esq. 

 Sir Charles Douglas, M P 



.^S c- S0 ^ sq " M - A ->Q C*.,M.P 

 Capt.SirA.P.Green,R.N.,K.C.H 



John Clarke, Esq. Trustees. 



Richard Groom, Esq. 



W. Chapman Harnett, Esq. 

 Jonathan Hayne, Esq. 

 Valentine Knight, Esq. 

 Colonel Robinson. 

 Samuel W. Rowsell, Esq. 

 Folliot Scott Stokes, Esq. 

 James Whiskin, Esq. 



Phillip C. Moore, Esq. 

 Henry Thomas Windsor, Esq. 



[1844 



PROVIDENT LIFE OFFICE, 50 Recent Street, Feb. 15, 1844. 



BONUSES DECLARED, 529,306/. 17*. 7d. 



NOTICE is hereby given, that all Persons who hold 

 Policies in this Office, bearing date prior to the year 1834, 

 may receive the present value of the Bonuses which have been 

 added to their Policies, upon application at the Head Office, or 

 to the Agents through whom the Policies were issued. 



GEORGE BEAUMONT, Actuary. 



ATIONAL MERCANTILE LIFE ASSURANCE 



SOCIETY, Arthur-street West, London Bridge. (Es- 

 tablished in 1837.) Directors. 



Chairman.— Robert Currey, Esq. 



Edward Baker, Esq. 

 Jasper Capper, E-;q. 

 Thomas Dakeyne, Esq. 

 Giles Redmayne, Esq. 

 James Spicer, Esq. 

 Henry Sterry, Esq 



Thomas Bax, Esq. 

 Joseph Cooper, Esq. 

 Russell Jeffrey, Esq. 

 William R. Spicer, Esq. 

 Joseph Sterry, jun., Esq. 

 Robert Wilcoxon, Esq. 



Bankers. — Messrs. Prescott, Grote, and Co. 



ADVANTAGES. 

 A BONUS of two-thirds of the Profits allotted to the Assured. 

 LOWER RATES OF PREMIUM charged for Assurances 



without profits. _ 



PREMIUMS payable Annually, Half-yearly, or Quarterly. 



ASSURANCES OF EVERY DESCRIPTION may be effected. 

 Among others, the important one, originated by this Society, of 

 securing a sum to the Assured himself on his attaining any given 

 age, or to his family in the event of his earlier death. 



A POCKET DIARY containing detailed particulars, may be 

 had on application at the Office, or of the Society's agents. 



Jenkin Jones, Actuary and Secretary. 



ROYAL POLYTECHNIC INSTITUTION. — 

 The various ARTIFICIAL LIGHTS in Ancient and Modern 

 Use are familiarly explained by Dr. Ryan at Two o'clock Daily, 

 illustrated by the LAMP of the ANCIENTS, the FIRST IM- 

 PROVEMENT by ARGAND, the BUDE, the DRUMMOND, the 

 BOCCIUS, the PELLETAN, the CAMPHIKE LIGHTS, New 

 FRENCH LAMPS, &c. &c. The First Lecture, by Professor 

 Bachhoffner, Ph. D. M.A. is at a Quarter past Twelve o'clock. 

 Armstrong's HYDRO-ELECTRIC MACHINE at Three o'clock 

 and at Eight in the Evenings. NEW DISSOLVING VIEWS, 

 DIVER, artd DIVING BELL. Among the recent Deposits is the 

 HEAD of a MUMMY from THEBES, very remarkable. — 

 Admission, One Shilling. Schools, Half-price. 



Nefoa 



mttk 



LONDON, EDINBURGH, and DUBLIN LIFE 

 ASSURANCE COMPANY, 3, Charlotte row, Mansion- 

 house, and 18, Chancery-lane. 

 Directors.— Kennett Kingsford, Esq., Charraan. 



Benjamin Hill, Esq., Deputy. Chairman. 

 Alexander Anderson, Esq. James Hartley, E<q. 



John Atkins, Esq. John M'Guffie, Esq. 



James Bidden, Esq. John Maclean Lee, Esq. 



Captain F. Brandreth. I J. Marmaduke Rosseter, Esq. 



Audi t ors. 



H. H. Cannan, Esq. | Robert E. Alison, Esq. 



Medical Adviser— Marshall Hall. M.D., F.R.SS., L.and E. 



Secretary— John Emerson, Esq. 

 Solicitors— Messrs. Palmer, France, and Palmer. 

 This is the only Company who are bound by their deed of con- 

 stitution not to dispute any policy unless they can prove it was 

 obtained by fraudulent misrepresentations, the great aim and ob- 

 ject of the Society having been to render life policies complete 

 securities and negotiable documents, which shall owe their value 

 to the certainty of the contracts upon which they are founded, 

 and be independent of the liberality or caprice of those in the 

 management of the affairs of the Company when the claims 

 arise ; and for this purpose the Company have, by a clause in 

 their deed of constitution, unhesitatingly deprived themselves of 

 the power of objecting to any policy, unless they undertake to 

 prove that it was obtained from them by fraudulent misrepre- 

 sentation. The regulations common to all other life companies, 

 which make the validity of assurance contracts dependent upon 

 the perfect correctness of the many statements required from a 

 proposer for a life policy, and which have given rise to almost all 

 the questions argued in the courts, and to many extra-judicial 

 compromises, are thus entirely abrogated ; and nothing but 

 fraud, proved to have been committed against them, can vitiate 



a policy granted by this Company. 



This is the only Company from whom the assured, on the mu- 

 tual principle, receive the whole of the mutual accumulations, 

 and also a guarantee from the shareholders for the sums assured. 



This is the only Company who bind themselves to pay the full 

 amount of the sums contracted for by the policies, although the 

 debts for which they were effected shall have been liquidated be- 

 fore the claims arise ; the Company considering it only reason- 

 able and just towards the assured that where premiums have 

 been received for assuring a given amount, that amount should 

 be paid when it becomes due without dispute or deduction, and 

 they undertake to do so without reference to the state of the 

 accounting between the assured and his debtor. 



This is almost the only Company who grant in favour of 

 creditors whole world policies, whereby the debt is secured, 

 although the debtor should go beyond the limits of Europe. 



The premiums, calculated according to the Carlisle Tables, are 

 lower than usual upon young lives ; and assurances for short 

 periods may, at the option of the assured, be continued for life. 



Triennial Ascending Scale to assure j£100. 



Actuary: Peter Hardy, Esq., F.R.S. 



„„? , from . the R eport of the Directors of the Society, to a Ge- 



« vm « !, ne ,°[ lhe Members, holden the 17th January, 1844 : 



IVp ?i.; V « he six y ears which have been completed since 



P t L mber ' 1837 ' tnere are in existence in the Society 



end ni ■ «, CS as many P oli c:es as there were in existence at the 



DohoiL „ year , 1837 * Tne capital sums assured under these 



derivpH ? nearly double d »n amount. The corresponding income 



camniai 1 ? m annual Premiums is also nearly doubled. The ac- 



at the^frf p f ro P ert y of th e Society is four times as great as it was 



six timpc I a J year ' and the Present divisible surplus is nearly 



u*es as much as that declared in the division of the year 1837." 



of the Art 1 ?-? 01 " 8 mvite tne P ublic t0 compare the following Table 

 Societv » ? nS u made to tne Ten olaest existing Policies in the 

 made hi nS. « e 3,st of D ecember, 1843, with the additions 

 # «e by other Societies within the same time :- 





I 



s 



03 



! 



s 



1 



1 



c 









*■* 



g« 





£ CO 





-S -* 



Tf 



O «* 



tr. 



£ CO 



QO 



33 ao 





Total Add 

 made in 1 





•5 "* 



2 



a 



o 



■i-g 



< 



a 



c 9 



1000 24 



2 20U0 ;i 



3 2000' go 



^2000 82 



J1500 72 

 6 500 



7,1000 



8 20001U 

 |;:i500. 43 

 13> 500, 12 



*• d - \£ s. d. 



29 146 12 

 13 1 12 365 10 

 13 4 50 410 16 



o o. 



4 s 



S 2 - S 



- e U 



1« 



*21 



«.52 



o ■ 



11 



6 3 



9 12 621 

 40 



8 47 

 59 



390 4 

 319 4 



. 65 18 

 1 8 ( 46 192 4 ( 



°j57 ( 478 10 



1 335|24l 6 

 3 9,30 71 6 



£ 



24 

 60 

 85 

 62 

 51 



11 



s.d. £ 



4 1/0 

 16 426 



6 0J476 



8 452 12 

 14 0,370 18 



6 77 4 

 13 0224 2 



s. d. 



16 



60 



2 1058 



£ 



280 



836 



s. 





 8 

 4 



963 16 

 813 18 

 112 4 

 4fi7 



16 



d. 

 

 

 

 

 

 







2 > c c 



• 3 > s * 



-= £• 3 s 



31 



80 2 0558 12 0J1330 12 



39 16 0:281 2 0, 502 10 



13 18 1 85 4 142 2 



61 



51 

 45 



47 

 44 



69 



48 

 42 



56 



60 



Age 



25 

 35 

 45 

 55 

 60 



First I Second 

 3 Years 3 Years. 



£1 



1 



2 

 3 



4 



2 



9 

 1 



11 



8 



7 



9 







1 



11 



£1 

 1 

 2 

 4 



5 



9 



19 

 14 



10 



17 



Third 

 3 Years. 



Fourth 

 3 Years. 



Remainder 

 of Life. 



16 

 9 



8 



10 



5 



11 

 3 

 8 

 5 



9 



£2 

 2 



4 



6 



8 



4 



19 



2 

 10 

 14 



1 

 



6 



l 



2 



3 

 3 



4 



7 



10 



11 



8 



16 

 9 



2 



3 



9 



4 



9 



7 



By the half- premium plan only one-half of the first seven years 

 premium is required, the other half being payable at the con- 

 venience of the assured, thus allowing a policy to be continued 

 for seven years at one-half of the usual rates, or to be dropped 

 at one-half of the usual sacrifice, and entitling the assured, 

 seven years hence, when the loss of health may prevent him 

 from effecting a new assurance, to continue a policy at a rate of 

 premium applicable to an age seven years younger. The half- 

 premium plan therefore enables persons to retain to their own 

 use the one-half of the premiums for the first seven years, at 5/. 

 per cent, interest. Thus, suppose the ordinary premium for an 

 assurance of 500/. to be 10/., the first payment by the half-pre- 

 mium plan will be five guineas, being the one-half the 10/., and 

 interest of the retained half, and if death should occur in the 

 first year the sum of 500/. would be paid less the 5/. retained. 

 The assured may thus have the use for the first year of 5/., for 

 the second, 10/., aud so on till the end of the seventh year, when 

 the retained sums, amounting to 35/., may either be paid or sti 

 retained at 5/. per cent, interest until death, when the 35/. will 

 be subtracted from the 500/. then payable by the Company. 



To assure 100/. on Half-Premium System. 



By tbe Overland Mail from India, we have accounts of 

 two severe and decisive battles fought by our troops in 

 tbe vicinity of tbe capital of Gwalior, on tbe 28 tb and 

 29th of December. One division of our force was 14,000 

 strong, of which 3000 were cavalry, with 40 pieces of 

 artillery. The enemy mustered 18,000 foot, 3000 cavalry, 

 and 100 guns. The second division comprised only 7000 

 men and 18 guns, against a force of 12,000 men with 30 

 guns. Our troops obtained in both battles a signal 

 victory, capturing the fort of Gwalior, — a position so 

 strong as to be called the Gibraltar of the East, — and re- 

 ducing the powerful Mahratta chiefs to submission. 

 The loss, however, was unusually Bevere ; no less than 

 180 on our side having been killed, including General 

 Churchill, and eight other officers, with 8GG wounded. 

 The loss of the enemy is estimated at upwards of 

 3000 killed, and twice as many wounded. The ac- 

 counts state that so desperate a resistance has seldom 

 been recorded in Indian warfare, as that made by 

 the troops of Gwalior, who were officered and led by 

 Europeans. The Governor- General was in the field 

 with Lady Gough and the wives of many of our 

 officers when the battle commenced, and were often 

 exposed to great danger. The object of these hostilities 

 appears to have been gained by the defeat of the chiefs, 

 as our army is at once to evacuate the country and retire 

 within the Company's territories. The news from other 

 parts of India is not of great importance, and from China 

 we have merely the announcement that the supplementary 

 treaty has been ratified and sent to England.— From 

 France we have the details of the great debate on the 

 seizure of Otaheite. The resolution of Ministers to dis- 

 avow the act of Admiral Dupetit Thouars, and restore 

 Queen Pomare to her sovereignty was made a trial of 

 strength between the Government and the Opposition,, 

 and the result was a majority of 46 for Ministers — a much 

 larger number than they had themselves anticipated. Tbe 

 details of this debate are unusually interesting to English 

 readers, as the main charge against the Government was 

 founded on their alleged compliance with the demands of 

 our own Ministry. M. Guizot, however, confirmed the 

 statement of Lord Aberdeen last week, and distinctly de- 

 clared that the decision of his Cabinet was adopted solely 

 on principles of international justice, and that no commu- 

 nication whatever had been received from the English 

 Government on the subject. 



At home, in the House of Commons, the navy and army 

 estimates have been among the chief subjects of discussion. 

 On Monday Mr. S. Crawford made another attempt to 

 stop the supplies, but his motion found only eight sup- 

 porters, and the different items of the estimates were 

 voted by large majorities. On Tuesday Mr. Williams 

 brought forward a motion to prevent the sittings of the 

 House after midnight, but on a division it was negatived 

 by 146 to 16. On Thursday Mr. Labouchere brought 

 forward a resolution for the admission of Brazilian sugar, 

 which was opposed by Ministers, and negatived by a ma- 

 jority of 73. Last night the Chancellor of the Exchequer 

 brought forward his long expected measure for the reduc- 

 tion of the Three and Half per Cents. The plan he pro- 

 poses is to reduce this Stock to 3 J- until Oct. 1854, and 

 to 3 per cent, to Oct. 1874, beir.g a period of 20 years, 

 during which he considers that the reduction will be 

 effected in a gradual and equitable manner. 



Age 



15 

 20 

 25 



I • 



£ s. 

 16 



18 



1 



d. 



1 

 1 



7 



Age 



50 

 55 



60 



* * 



t * 



£ s. 



1 3 

 1 11 



1 16 



d. 

 5 



6 



6 



Age 

 50 

 55 

 60. 



• • 



£ 



.2 

 2 

 3 



8. 



3 



12 



10 



d. 

 9 



5 

 3 



Pete n Hardy, Actuary 





Prospectuses and schedules are forwarded to applicants, free 

 of expense, by the Manager and Agents. -—•-** 



AI.FX. ROBERTSON. Manager. 



LIVES OF MARINERS ASSURED. 



ACHILLES BRITISH and FOREIGN LIFE 

 ASSURANCE ASSOCIATION, 46, Moorgate-street. 



Loans granted to policy holders. 



Every description of Life Assurance may be effected, upon a 

 moderate scale of premium, either with or without participation 



in profits. , . — - . „ . 



Endowments for children or widows, and immediate or de- 

 ferred annuities, granted upon fair and equitable terms. 



Loans may be obtained on personal or other security by indi- 

 viduals assuring their lives with this Association. __ 



Risks taken on the Lives of Master Mariners and Passengers 

 by sea, either for the whole term of life, or for '^e v o> 8 ge 

 ' EDWARD GILBERTSON, Secretary. 



Prospectuses, and every other information, may be obtained 

 by applying at the offices, 46, Moorgate-street, City. 



f^ome News. 



C 0URT . Her Majesty and Prince Albert, accompanied 



by the Prince of Wales, the Princess Royal, and the Prin- 

 cess Alice, arrived in town on Saturday from Windsor 

 Castle, and still continue at Buckingham Palace. On 

 Sunday her Majesty and Prince Albert, the royal suite, 

 and the household, attended divine service in the private 

 chapel of the Palace. The Hon. and Rev. C. Leslie 

 Courtenay officiated. On Monday the Queen held a Privy 

 Council whi#h was attended by nearly all the Ministers 

 and great officers of State. Her Majesty has taken her 

 daily walk in the Palace garden during the week, and the 

 Prince has taken exercise on horseback. Colonel the Hon. 

 Charles Grey has succeeded Lord Charles Wellesley (clerk 

 marshal) as equerry in waiting on her Majesty, and Major- 

 Gen. Sir E. Bowater has succeeded Col. Wylde as equerry in 

 waiting on Prince Albert. Lord Byron and Adm. sir K. 

 Otway are in residence as the Lord and Groom m waiting. 

 —The daily papers state that Ler Majesty contemplates 

 during the ensuing season a prolonged residence in the 

 Isle of Wight. Negotiations have been for some time in 



ire for her Majesty's use an appropriate 



progress to secure 



