AA'Ub th ALY © 1 BRITISH & FOREIGN lAfe & Fire Assurance Company.

BARTHOLOMEW LANE, LONDON.

Established by Act of Parliament.

CAPITAL FIVE MILLIONS STERLING.

ESTABLISHED MARCH 1824.

Board of Direction.

PRESIDENTS.

SAMUEL GURNEY, Esq. Sra MOSES MONTEFIORE, Barr.

DIRECTORS.

JAMES ALEXANDER, Juvn., Ese. GEORGE H. BARNETT, Ese. Sin KE. N. BUXTON, Bart., M.P. Sir R. CAMPBELL, Barr.

Sin GEORGE CARROLL. BENJAMIN COHEN, Ese.

Tur Ricgut Hox. G. R. DAWSON. JAMES FLETCHER, Esq. CHARLES GIBBES, Ese. WILLIAM GLADSTONE, Esa. JAMES P. HOWAKD, Esq.

JOHN IRVING, Esa.

Baron L. DE ROTHSCHILD, Sin A. N. DE ROTHSCHILD, Barr. H. M. THORNTON, Esq. MELVIL WILSON, Ese.

AUDITORS.

JAMES COOK, Esq. SAMUEL GURNEY, Jow., Esa. THOMAS CHARLES SMITH, Esq.

BANKERS. Messrs. BARNET, HOARES & Co. SECRETARY. ANDREW HAMILTON, Esq. ACTUARY. FRANCIS AUGUSTUS ENGELBACH, Esa: PHYSICIAN. JOHN R. HUME, M. D., Curzow Sr. SOLICITOR, JOHN M. PEARCE, Ese. SURVEYOR.

THOMAS ALLASON, Ese.

Extract from a Letter from the Secretary in London, dated Sth September, 1848, to the Agent in Chariolie-

town.

“[ have the pleasure to inform you that with a view to facilitate the business of the Life Department of this Company, the Board of Direction have determined on the introduction of several new Tables.

“One of the leading features of these new Tables is the establishment of & NON-PARTICIPATING SCALE In connexion 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, the introduction of lower rates of premium will offer peculiar facilities. For Joint Life and Survivorship Assurances, non-participating rates, you will perceive have also been calculated.

The Board have likewise sanctioned the acceptance of Assurances upon which a limited number of annual payments may be made, and for which class ‘participa- ung and nd@n-participating scales of premium have been computed. ‘Tables of rates for Assurances upon which a progressive increase or decrease 18 made in the prem- um, end for Sndowment Assurances in an non-artici- pating Scale, have also been prepared. By this last class of Assurances, you will observe that the amount aasured is paid at a fixed period, even though the party

ve. ae I beg tohand you copies of the Tables to hich I have referred, and which you will be good enouch to bring into operation forthwith. The increas- ed facilities for effecting Life Assurances which the Directors now afford by construction of these new Tab- bles, induce them to believe that a very considerable

aequisition will be derived.”

LIFE DEPARTMENT.

(UE Direcrors, with the view of giving increased facilities to the Public in the transaction of Lire As sURANCE Business, have directed the construction 0! several New ‘Tables, of which specimens are annexed. it will be seen that, in the use of these Tables, Assu- rancea may be effected wth the Company the fol

NT Si ean

THE EXAMINER. 143

seieaate ——— a Benes

VITH Participation (as hitherto) in the profits of the Company. On this principle the following is a specimn of the rates charged. r

SINGLE LIVES.

Whole Life Assurances (WitH PARTICIPATION).

Age Annual || Age Annual || Age ~~ Annual next | Premium next | Premium next | Premium Birth per Cent. Birth | per Cent. Birth per Cent. Day. during Life.|| Day. {during Life.|/| Day. |during Life. 2 ‘8 ace

a

| Age Annual | Age Annual next Premium next Premium

Birth | per Cent. Birth | per Cent.

Day. jduring Life.|) Day. |during§ Life.

WITHOUT PARTICIPATION in the profits. Creditore and other classes of society will find, under a variety of circumstances, this class of Assurances highly convenient. :

SINGLE LIVES. Term and Whole Life Assurances (Wirnout Participation),

‘Term. Whole Life. Te ite

Age : ss han rm, Whole Lite.

next One Year. | Seven Years. Annual Pre- aa One Year. Seven Years. Aamo Pre- Birth | Premium per Anneal Pre- |mium per cent|| Birth | Premium per | Annual Pre- \minm per cent Day, Cent. mium percent.) during Life. || Day. | Cent. mium per cent.) during Life. —- © | oe _s. on eS eid aca act a 7

a Bee oe ie ee wR ae Be ce a ae

20 Bite .- 2 te a ee 45 7. 2. 2 a ae ae ee

25 : 8: oe . 2 oe oF 50 2 15 10 . = wa ts 33 30 Sei 2 Sere 55 2 e 5 18 10 35 a. oo . 2162; @ 7. ose a ow 6S

eS Toy “ —

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

oveararian SPEEA LPR ARTEN 7 22 RET SION, Ws NOSE SINGLE LIVES. SINGLE LIVES. Whole Life Assurances (WitH PARTICIPATION). Whole Life Assurances (WirHovuT PARTICIPATION). Age Annual Premium per cent. to cease after ive Annual Premium per cent. to cease after next ; : . : t Birth |Five Years.|/Ten Years Fifteen | Twenty Birth (Fi ? Fifteen | Twent Dav. Years. Years. Der Five are Years, or ooo , . «han ne? ee z| nt Sek oe “hed Ba dik f 15 | 71611] 47 6; 3 4 9/2133019 35 | 7 12/1 818 9| 218 4 :s 6 20 812 2 ee 21/35) 418 a 20 Tie 1 @ @ FF Se eure e 7 20 a ae ? oem eres 6 3 25 Sw 0 416 6 31110/3 0 0 30 10 12 8 919 7 49 4131410 30 9ti § 5 7 8 4 6 653 7 & 35 1 Mm 2)1:-608 81-620 814 3 9 35 {1010 9] 518 11 9 2i3 4 ii 40, 09) 7 71h) Si. 1/418 GEE 40 | 1114 8] 613 2| @1991 | 4 4 2 45 14 Sm: ©.2 1 2 2 6 [te ee.oe. 7, St ae SS 50 sm) 0) 9 1 50 So 7. a 2. 55 | 18 3 10 | SS ie 7 vi Any other himited number of years than those above Any other limited number of years than those above specified may be fixed upon. specified may be fixed upon.

cormnanee on Ascenpine and Descenpine Scales ;—that is, where the Assured pays smaller or larger rates of premium, during the earlier years of assurance, to be periodically inereased or diminished during the later years.

SINGLE LIVES. SINGLE LIVES, Increasing Preminm (Wirnour Participation.) Decreasing Premium (Wiraour PARTICIPATION.) —- ; ae eae cent. for om , “aed ___ Annua! Premium per cent. for the i next wm Second Third Fourth Remain- next First | Second | Third | Fourth | Remain- Birth ive Five Five Five der of Birth Five Five Five | Five | der of Day. Years. | Years. | Years. Years, | Life. Day. Years. | Years. Years. | Years. | Life. hedhadhs dbadhedt £acakhawulcilwt fl Boone 6 seer ere aes we ides Go Se ee eS 0 20 j1 8 11112 2116 3/2 0 42 4 HE a Jo 9 623 5lla7 D111 01 4 9 25 |112 6117 32 2 02 6 N21 HF 95 (217 32 g10le 2 S155 01 7 30 11M 2°29 89:9 916 BS 1 7 30 13 6 6217 512 8 51139 41110 7 3/2 1 02 9 11217 13 5 1313 WE 35 [346 713 5 9224202 31111413 ¢ 40 ;210 11219 013 7 10,3 16 4 2 - 1410 2a USA & 22 9 Si rr 6 5 ‘ oo of ‘ 7 yn i¢ € ‘ -_ a 45 |219 9310 2:4 0 7411 05 1 4 415 4847 DS 4364 11'1.38 «4 0 1/313 64 6 95 0 15138 46 6 8 50 64 65 3 914 91113 2 119 3 2 0 (413 6512 9OGII7 IL 1810 4 55 1715 66 7 8419 91315 1112 4 0 GO |611 6711 0,810 6,910 0109 SE go !915 2748 116 1 04 212 6 6 Assurances may also be effected subject to Premiums fAssurances may also be effected subject to Premiume uicreasing at any other periods than those specified. decreasing at any other periods than those specified, i |

Expowment 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. (Wrrnour Participation).

on

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

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

The Directors conceive that considerable facilities will be afforded to the public hy these various modes of Ar- eurances; and they are disposed to entertain Life Assurances generally, adapted to such other contingencies as may arise. Proposals may be mace at ell times at the Office of GEORGE BIRNIE, Exq., the Company's Ageny at Charlottetown. FRANCIS AUGUSTUS ENGELBACH, Agruany

lowing variety of forms :—

See