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THE EXAMINER. 135

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ALLEAReR

BRITISH & FOREIGN Life & lire Assurance Company.

BARTHOLOMEW LANE, LONDON.

Established by Act ef Parliament.

CAPITAL FIVER MILLIONS STERLING.

ESTABLISHED MARCH 18%

Board of Direction. | PRESIDENTS.

SAMUEL GURNEY, Esq.

Sen MOSES MONTEFIORE, Bart.

DIRECTORS

JAMES ALEXANDER, Jon., Esq.

GEORGE H. BARNETT, Sin EK. N. BUXTON, Bar

Esq. T., M.P.

Sia R. CAMPBELL, Barr.

Sin GEORGE CARROLL.

BENJAMIN COHEN, Esq

Tue Ricut How. G. R. DAWSON,

MES FLETCHER, Esq S®HARLES GIBBES, Esq. WILLIAM GLADSTONE,

Ese.

JAMES P. HOWARD, Ese.

JOHN IRVING, Esa.

Barow L. DE ROTHSCHILD,

Sin A. N. DE ROTHSCHILD, Barz.

H. M. THORNTON, Ese. MELVIL WILSON, Ese.

AUDIPORS.

JAMES €OOK, Esq. SAMUEL GURNEY, Jon.

, Ese.

THOMAS CHARLES SMITH, Esq

BANKERS.

Mesers. BARNET, HOARES & Co.

SECRETARY. ANDREW HAMILTON, Ese.

ACTUARY.

FRANCIS AUGUSTUS ENGELBACH, Esq, PHYSICIAN.

JOHN R. HUME, M. D., Curzon Sr.

SOLICITOR.

JOHN M. PEARCE, Ese.

SURVEYOR. THOMAS ALLASON, Esq.

Extract from a Letter from the Secretary in London, dated Se September, 1848, to the Agent in Charlotte-

town.

“| have the pleasure to inform you that with a view

to facilitate the business of the Life Department of this the Board of Direction have determined on

Company,

the introduction of several new Tables.

“One of the leading features of these new Tables is the establishment of @ NON-PARTICIPATING SCALE in} eonnexion with the ordinary class of Assurances on

single lives; and to persons desirous of effecting Poli-

cies for the purposes of security in money transactions, lower rates of premium will offer Fer Joint Life and Survivorship

‘Assurances, non-participating rates, you will perceive

the introduction of peculiar facilities.

have also been calculated.

The Board have likewise sanctioned the acceptance limited number of annual and for which class participa- cales of premium have been d. Tables of rates for Assurances upon which ease or decrease is made in the prem- nin, and for Endowment Assurances in an non-artici- : iso been prepared. By this last you will observe that the amount

of Assurances upon which a payments may be made, ting and non-participating s

eompute A u progressive anecr

pating Scale, have a class of Assurances,

aasured is paid at a fixed period, even though the party

be then alive.

* Enclosed I beg to hand you copies of the Tables to which you will be good The increas-

hich I have referred, and

enough to bring into operation forthwith. : " ffecting Life Assurances which the

construction of these new Tab- lieve that a very considerable

ed facilities for e Directors now afford by bles, induce them to be v acquisition will be derived.

LIFE DEPARTMENT.

PHe Directors, with the view of giving increased facilities to the Public in the transaction of Lire As- the construction of

sURANCE Business, have directed

several New ‘Tables, of which specimens are ann

exed.

it will be seen that, in the use of these Tables, Assu- Company in the fol-

rances may be effected with the haking variety of forms :—

a~neatt,.

WITH Participation (as hitherto) in the profits of the Company. On this principle the following is a specimen

of the rates charged.

SINGLE LIVES. Whole Life Assurances (WiTH Participation).

Age | Annual || Age {| Annual {| Age | Annual Age Annual Age | Annual | next | Premium next | Premium next | Premium |} next | Premium next | Preiniuimn’ Birth | per Cent. Birth | per Cent. || Birth | per Cent. |) Birth | per Cent. Birth | per Cent. Day. jduring Life.|| Day. {during ‘Life.|} Day. |during Life. | Day. jduring Life.!| Day. during Life. (hoa a fe ee Ai Lb & «ahi Boars Me d.|| anes d.| ge hs | 3 6 ow es we eS a ws | oa i . it ea or 214 I 40 | 3.18) 2i| 30 | 5 3 7|| 60 | 8 10 a

WITHOUT participation in the profits. Creditors and otker classes of society will find, under a variety of

circumstances, this class of Assurances highly convenient,

SINGLE LIVES. Term and Whole Life Assurances (WitrsovuT Partiecrpation).

Meo “Term. Whole Life 1] 4 0 Term. Whole Life. next One Year. | Seven Years. | annual Pre- {| next | One Year. | Seven Years. | annual Pre- Birth | Premium per | Annual Pre- |mium per cent|/ Birth | Premium per } Annual Pre- jmitm per cent. _Day. Cent. mium percent.} during Life. |; Day. Cent. mium percent.| duriug Life. } (dee A” NG RE ARE gis ss Se we a. oh & _*. & 8 15 016 6 0 18 5 7 6S 40 a. ee 2 20 epg: Borage . =. ne 45 9:0 of 8 8ie5 9 3.16 Il 25 LeoGFivgy le a e 2-2 50 2 15 10 3.3 4 4B 3 30 ) i ee 1 10 4 iy 55 3. 8 10 4 0 10 5 18 10 35 loa 2 ys 216 2, 60 "ois a e's 7 oe “6

Assurances for the Whole period of Life—the Prentiums to cease at a given period to be agreed upon,

SINGLE LIVES. SINGLE LIVES.

Whole Life Assurances (WiTH PaRTiciPATION). Whole Life Assurances (WirnouT Participation). Age Annual Premium per cent. to cease after Age Annual Premium per cent. to cease after next \ next :

Birth |Five Years.|Ten Years. Fifteen avons Birth |Five Years.|Ten Years. Fifteen | ‘Twenty Day. Years. Years Day. Years, Years, Td a Ol eee been a) a ae illite BS: le he, reine elle ta Me Mee Ete Oe 15 71641) 476, 3 49;28H i171 &h.8 Bd 241 2.8.6 20 812 2} 4136 1 311 4;2199 5 20 he od 4B. 4s8 &. Ame 7 25 93..14-%.7 1, 64 &8)3.6 & 25 812 0; 416 6} 811 10;3 0 0 30 |1012 8} 519 7} 49 4121410 30 Se mummy €1 8 @ Sis 7 & 3) 11114 2] 612 2; 419 2;4 3 2 35 |1010 9} 518 1t} 49 3;3HM 1 aS me 8 Ut F-72541 ea..tiste @ 40 |}116@ 8] 6138 2/] 419 11)4 4 2 45 |14 610} 8 2 6| 6 2 6G 45 |1218 &| 7 6 3}] 510 4

50 | 15 19 0; 9 Ii | S314 7:23:38 .8 9

55 | 18 3 10 | : hae

Any other limited number of years than those abov

Any other limited number of years than those above specitied may be fixed upon.

specified may be fixed upon.

AssuRANcEsS on AscenpiNne and Descenpine Scales ;—that is, where the Assured pays smaller or larger rates of

premium, during the earlier years of assurance, to be periodically increased or diminished during the later years.

SINGLE LIVES. SINGLE LIVEs, Increasing Premium (Wrrnovr PARTICIPATION.) Decreasing Premium (Wirsovur Participation.) Annual Premium per cent. for the Annual Premium per cent. for the Age Age : next *| First Second | Third Fourth |Remain- next | First | Second | Third } Fourth |Re@nain- Birth | Five | Five | Five Five | derof i} pith | Five | Five Five | Five | der of Day. Years. | Years. | Years. | Years. | Life. Day. | Years. | Years, | Years. | Years. | Life. Tn. & ida .& Gildan: O.. Gdn & Olly, & & L. 2 Atice dice dik. o. dl. } ws sir ¢ ari orie 320 At as [a f Glas olras ors ene 6 90 |1 8 1/112 2116 3/2 0 4/2 4 9 12 9 62 3 51117 B11 O1 4 a5 1112 Gti7 32 2 02 6 921 HP a 1217 32 91019 2 515 O17 30 |116 412 2 82 9 0215 33 1 AY 30 13 6 6217 512 8 51119 4/1 10 35 12 1 012 9 11217 13 5 1313 WE 3 (316 73 5 92H 2 BEEK 40 '210 11219 0138 710316 94 5 7 40 1410 2316 7/3 3 O}F 9 51115 45 1219 9310 24 0 741k O15 1 4 45 15 424 7 9318 412 14111118 50 1313 64 6 915 6 1513 46 6 SE 50 [6 4 65 3 94 21d 2 1/2 1 55 (413 65 12 9611 11)7 11 4/8 20 4 55/7 15 66 7 B49 MBILWA 4 60 |611 6711 0,810 6910 01095 60 (915 2718 1,6 1 O4 BIRD G Assurances may also be effected subject to Premiums JAssurances may also be effected subject to Premiums increasing at any other periods than those specified. | decreasing at any other periods than those specified.

—

Expowmenr Assurances, by which the Assured fixes a period for the termination of the Assurance, the amount

being paid to his representatives, should he die within that period, or to himself should he outlive it. ENDOWMENT ASSURANCES. Amount payable on Death of Assured under the Age of 60, or on his attaining that age. (Wirnovur Parricrpation).

Anpual ba Annual Annual Annual _ — Ys Premium ng seen Premium ton on Premium oe Dar Premium ay. per cent. _ y: * per cent. y per cent. : : ay: per cent. 6 oo — ss. In (4&3 @ | — a a 15 | 2:08 25. 2 6 | 30 4 @.3)% 45 +2 ths 20 > & 2 | 30 > 27 40 5 13 10} 50 | ie 4}

Any Age may be fixed upon, at the option of the Assured, for the Payment of the Endowment.

surances; and they are disposed may arise. at Charlottetown,

i

** Assurances on Joint Lives and Survivorships are also granted on equitable terms.

e that considerable facilities will be afforded to the public by these various modes of As-~

to entertain Life Assurances generally, adapted to such other contingencies as

Proposals may be wade at all times at the Office of GEORGE BIRNIE, Esq., the Company's Agens FRANCIS AUGUSTUS ENGELSACH, Actuagt,

The Directors conceiv

F