the transmission of their Indian Letters, the postmasters, except in
large towns, being frequently ignorant of the rates chargeable, and
unable to afford any accurate information on the subject. The charges
for postage become a serious item in an annual account; the subject is,
therefore, deserving especial attention. Parties who from choice adopt
the Marseilles route, may save much by selecting the lightest paper
made for the purpose and by dispensing with large seals of wax.
The Weight of Letters can scarcely be too carefully kept down, when it
is remembered that, independently of the heavy postage from England
to the Presidency, the weight allowed for a single letter in India is
only that of a sixpenny piece, or, to speak more correctly, forty-five
grains troy!
Letters transmitted through this Agency are duly registered, the proper
postage is paid, and charged in a periodical account; but when the
Agency is used merely for the transmission of letters, a deposit of
the probable amount of postage is required in addition to the annual
subscription.
Lastly, we might refer to numbers who have employed this Agency for
years past to prove that the advantages promised have been realised.
PENINSULAR AND ORIENTAL
STEAM NAVIGATION COMPANY.
INCORPORATED BY ROYAL CHARTER, IN 1840.
THE COMPANY'S VESSELS START
FROM THE SOUTHAMPTON DOCKS
As follow, with Her Majesty's Mails, Passengers, and Cargo, for the
undermentioned Ports:
SPAIN AND PORTUGAL.
VIGO, OPORTO, LISBON, CADIZ, and GIBRALTAR, on the 7th, 17th, and 27th
of every month, at 1 30 p. m. When either these dates fall on Sunday,
the vessels start the following day.
MEDITERRANEAN.
MALTA, 20th and 29th of every month. ALEXANDRIA, 20th of the month.
CONSTANTINOPLE AND BLACK SEA.
On the 29th of the month.
INDIA AND CHINA (VIA EGYPT).
ADEN, BOMBAY, CEYLON, MADRAS, CALCUTTA, PENANG, SINGAPORE, and HONG
KONG, 20th of the month.
ADEN and BOMBAY, also on the 29th of the month.
HOMEWARD ROUTES.
The Company's Steamers leave CALCUTTA for England, on the 8th of every
month, except in May, June, and July, when the Steamers sail on the 3rd.
Leave MADRAS, four days after leaving Calcutta.
" CEYLON, nine days after leaving Calcutta.
" ADEN, on or about the 30th of every month.
" ALEXANDRIA, on or about the 10th.
" MALTA, on or about the 14th and 26th.
" TREBIZOND, on or about the 12th.
" CONSTANTINOPLE, on or about the 19th.
" SMYRNA, on or about the 21st.
" GIBRALTAR, on or about the 6th, 16th, and 26th.
" LISBON, on or about the 9th, 19th, and 29th.
[atersim] For Plans of the Vessels, rates of Passage-money, and to
secure Passages and Ship Cargo, please apply at the Company's Offices,
No. 122, LEADENHALL STREET, LONDON, and No. 57, HIGH
STREET, SOUTHAMPTON.
N.B.--Length of passage from Southampton to the undermentioned ports,
including all stoppages:
To GIBRALTAR Seven Days.
MALTA Ten ditto.
ALEXANDRIA Sixteen ditto.
CONSTANTINOPLE Sixteen ditto.
BOMBAY Thirty-five ditto.
CEYLON Forty-two ditto.
MADRAS Forty-five ditto.
CALCUTTA Forty-eight ditto.
HONG KONG Fifty-four ditto.
OVERLAND GOODS AND PARCELS FOR INDIA.
Parcels under one quarter of a cubic foot measurement will be taken
at five shillings, six and sixpence, seven and sixpence, and nine
shillings each; above that measurement at the following graduated
scale, including all charges to the Port of Delivery, except Transit
Duty:--
+-------------------------+-------------------+----------+
| | | |
| | Aden, Calcutta, | |
| Measurement | Madras, Ceylon, | Bombay. |
| | Straits, & China. | |
+-------------------------+-------------------+----------+
| | £ s. d. | £ s. d. |
| 1/4 foot | 0 10 0 | 0 15 0 |
| Ditto and 1 inch | 0 11 6 | 0 17 6 |
| Ditto and 2 inches | 0 13 0 | 0 19 6 |
| 1/2 foot | 0 14 0 | 1 1 0 |
| Ditto and 1 inch | 0 15 0 | 1 2 6 |
| Ditto and 2 inches | 0 16 0 | 1 4 0 |
| 3/4 foot | 0 17 0 | 1 5 6 |
| Ditto and 1 inch | 0 18 0 | 1 7 0 |
| Ditto and 2 inches | 0 19 0 | 1 8 6 |
| 1 foot | 1 0 0 | 1 10 0 |
+-------------------------+-------------------+----------+
AND FOR EVERY ADDITIONAL INCH MEASUREMENT IN PROPORTION.
If the Package weighs more than 20 lbs. to the cubic foot, an
additional one shilling per lb. will be charged for the additional
weight.
_Merchandise taken by Special Agreement before the 16th of the Month,
and must be at this Office by 3 p. m. on that day._
_No Package will be received if it exceeds 70 lb. in weight._
For the above Rate of Freight the Company undertake to receive
packages at their Offices in London or Southampton, and to ship and
forward them by each Steamer to the Ports of destination, free of any
other charge, subject to the following conditions:--
Parcels for Aden, Ceylon, Madras, Calcutta, Singapore, China, and
Bombay, should be delivered not later than noon, on the 17th of each
month; _and if forwarded on the 18th, will be subject to an extra
charge_.
When the 18th falls on a Sunday, no package will be received after the
17th.
Periodicals for each Presidency will be charged 1s. each.
Parcels for Aden, Ceylon, Madras, Calcutta, and China, not to exceed
70 lbs. weight, or 5 cubic feet measurement.
Parcels for Bombay not to exceed 40 lbs. weight, and if in excess of 2
cubic feet measurement a further extra charge will be made.
Packages exceeding one cubic foot must be in a wood case, iron-hooped
at each end, or an additional charge will be made for the same.
Specie, Jewellery, Silver, Watches, and other valuable articles,
charged at three per cent. on their value, the Company reserving to
themselves the right to charge by value, weight, or measurement.
TRANSIT DUTY.--Ten Shillings per cent. (payable to the
Egyptian Government) will be added to the above rates.
[asterism] _Contents and value.--Must be declared at the time of
booking, or the package cannot be received. A wrong declaration
of value or contents subjects the consignee to a charge of double
freight, and the package to seizure at the Custom House abroad._
CAUTION.--Parcels sent through any intermediate Agency cost
the proprietor more. Application made personally, or by letter, to
this Office, are promptly attended to.
[asterism] Parcels must be applied for to the Company's Agents at the Port
of Delivery.
_Peninsular and Oriental Steam Navigation Company's
Office_, 122, LEADENHALL STREET.
FAMILY ENDOWMENT LIFE ASSURANCE
AND
_ANNUITY SOCIETY_,
No. 12, CHATHAM PLACE, BLACKFRIARS, LONDON.
CAPITAL £500,000.
(Established by Act of Parliament, 19th May, 1836).
_TRUSTEES_.
WILLIAM BUTTERWORTH BAYLEY, ESQ.
C. H. LATOUCHE, Esq.
HENRY PORCHER, Esq.
_DIRECTORS_.
William Butterworth Bayley, Esq., _Chairman_.
John Fuller, Esq., _Deputy Chairman_.
Bruce Chichester, Esq.
Major H. B. Henderson
C. H. Latouche, Esq.
Edward Lee, Esq.
Colonel Ouseley
Major Turner
Joshua Walker, Esq.
Lewis Burroughs, Esq.
_Bankers_--Messrs. Smith, Payne, and Smiths.
_Actuary_--Mr. W. Lewis.
_Secretary_--Mr. John Cazenove.
INDIAN BRANCH.
_COMMITTEE OF MANAGEMENT, AT CALCUTTA._
Charles Binny Skinner, Esq.
James Stuart, Esq.
T. C. Morton, Esq.
James Jos. Mackenzie,
J. S. Judge, Esq.
_Medical Officer_--John Grant, Esq., _Apothecary General_.
_Bankers_--Bank of Bengal.
_Solicitors_--Messrs. Frith and Sands.
This Society offers a lower and more economical scale of Premiums for
Life Assurance than hitherto demanded by the established Offices in
India.
ANNUAL PREMIUM FOR ASSURING ONE THOUSAND RUPEES.
+--------------------------++--------------------------+
| CIVIL || MILITARY AND NAVAL |
|------+---------+---------++------+---------+---------+
| Age. | With | Without || Age. | With | Without |
| | Profits | Profits || | Profits | Profits |
+------+---------+---------++------+---------+---------+
| 20 | Rs 33 | Rs 31 || 20 | Rs 83 | Rs 35 |
| 30 | 38 | 35 || 30 | 44 | 41 |
| 40 | 49 | 45 || 40 | 53 | 49 |
| 50 | 63 | 59 || 50 | 66 | 61 |
| 60 | 82 | 77 || 60 | 84 | 79 |
+------+---------+---------++------+---------+---------+
All holders of Policies in India on the Profit scale, who may have paid
five annual premiums, will be entitled, at the expiration of the fifth
year, to a year's _profits_, calculated on the average of the preceding
five years; such profit to be paid in cash, or to go in diminution
of the future premiums payable, or to be added to the sum assured by
the policy, at the option of the holder, after the calculation of the
profits shall have been made in London.
After the expiration of 1851, the profits will be declared annually,
and the payers of five complete annual premiums be regularly entitled
to a participation therein, with a like option as to the mode of
application.
Parties assured in India for Life shall, on their return to England for
a _permanency_, and on the first half-yearly premium becoming due, be
entitled to come upon the English rates of premium, and be placed under
the rules and conditions of the Society there obtaining.
All parties assured for life or for terms other than for life,
whatever the number of payments or the permanency or otherwise of
their residence in Europe, shall, after completing a full year from
the date of their quitting India, and on the first half-yearly premium
thereafter becoming due, be entitled to a reduction of their premium
to the English rates, such reduced rates being continued during their
further residence in Europe.
Notices of Assignments of Policies will be duly registered at the
Office of the Secretaries.
The Society also grants ENDOWMENTS and DEFERRED
ANNUITIES for India. The Tables for which, with full information,
may be had at the Office of the Family Endowment Society, No. 12,
Chatham-place; or at the Office of the Secretaries, in Calcutta,
Messrs. GORDON, STUART, and Co.
GREAT BRITAIN
MUTUAL LIFE ASSURANCE SOCIETY,
AND
INDIA & LONDON LIFE ASSURANCE COMPANY,
14, WATERLOO PLACE, AND 52, KING WILLIAM STREET, CITY.
_DIRECTORS._
The Chisholm, Erchless Castle, Inverness-shire, and Sloane-street, London, _Chairman_
Richard Hartley Kennedy, Esq., Deputy Chairman of the Oriental Bank, Resington Lodge, Notting Hill, _Deputy Chairman_
Colonel Michael E. Bagnold, Bombay Army, Hamilton-terrace, Saint John's Wood
Henry Stroud Barber, Esq., 36, Fenchurch-street, and Wanstead, Essex
Francis Brodigan, Esq., Garden-court, Middle Temple
James William Deacon, Esq., Walbrook, and Southwick-place, Hyde-park Square
Harry George Gordon, Esq., 58, Porchester-terrace, Chairman of the Oriental Bank
Henry Allan Harrison, Esq., St. Leonard's-on-Sea, Sussex, Director of the Oriental Bank
Alexander Robert Irvine, Esq., 14, Waterloo-place, _Managing Director_
John Inglis Jerdein, Esq., Upper Ground-street, Blackfriars
James John Kinloch, Esq., Kair, Kincardineshire, and Gloucester-road, Hyde-park Gardens
Henry Lawson, Esq., Fortress-terrace, Kentish Town
Robert Francis Power, Esq., M.D., Queen-street, May Fair
Archibald Spens, Esq., Bombay Civil Service, Manor-house, Inveresk, N. B.
Reverend F. W. J. Vickery, King-street, Covent-garden
INDIA AND LONDON-LIFE ASSURANCE COMPANY,
CAPITAL, £250,000,
In 5,000 Shares of £50 each.
_This Company assures the lives of healthy persons in any part of the
world._
INDIAN ASSURANCES.
The attention of parties connected with India is directed to the
moderate rates for Assurances on the Lives of either Military or
Naval Officers, or Civilians--by which means young men may secure the
repayment of advances for outfit, &c.--and parties enjoying annuities
from the bounty of their friends, may secure themselves against the
death of their benefactors.
Extract from the Tables for an Assurance of 1,000 Rupees, or £100:--
Military or
Age. Civilians. Naval Officers.
18 Rupees 29 Rupees 38
25 " 34 " 42
35 " 43 " 50
45 " 56 " 62
_Exchange, 2s. per Rupee._
GREAT BRITAIN MUTUAL LIFE ASSURANCE SOCIETY.
This Society is established on the tried and approved principle of
Mutual Assurance. The first division of profits was declared at a
general meeting of members, held on the 26th May instant, agreeably
to the deed of settlement, when a bonus of 30 per cent. was given in
reduction of future premiums on all policies which had been in force
five years, and hereafter this Society will make an annual division of
the profits.
Credit is allowed for half the annual premium for the first five years.
The following Table exemplifies the effect of the present reduction:--
+----------+----------+----------------+--------------+----------------+
| | | | | |
| Age when | Amount | Annual Premium | Reduction of | Annual Premium |
| assured. | assured. | hitherto paid. | 30 per cent. | now payable. |
| | | | | |
+----------+----------+----------------+--------------+----------------+
| | | | | |
| | £ | £ s. d. | £ s. d. | £ s. d. |
| 20 | 1000 | 20 17 6 | 7 5 3 | 14 12 3 |
| 30 | 1000 | 25 13 4 | 6 14 0 | 17 19 4 |
| 40 | 1000 | 33 18 4 | 10 3 6 | 23 14 10 |
| 50 | 1000 | 48 16 8 | 14 13 0 | 34 3 8 |
| | | | | |
+----------+----------+----------------+--------------+----------------+
14, _Waterloo Place_, A. R. IRVINE, _Managing Director_.
THE
AUSTRALASIAN, COLONIAL AND GENERAL
LIFE ASSURANCE & ANNUITY COMPANY,
No. 1, LEADENHALL STREET.
CAPITAL, £200,000, in 2,000 Shares.
DIRECTORS.
E. Barnard, Esq.
Robert Brooks, Esq.
Henry Buckle, Esq.
John H. Capper, Esq.
J. B. Elin, Esq.
C. E. Mangles, Esq.
Richard Onslow, Esq.
William Walker, Esq.
_Trustees_--Edward Barnard, J. H. Capper, and Edward Thompson, Esqs.
_Auditors_--James Easton and Robert Capper, Esqs.
_Solicitors_--Messrs. Maples, Pearse, Maples and Pearse.
_Bankers_--The Union Bank of London.
_Colonial Bankers_--The Bank of Australasia (incorporated by Royal
Charter, 1835), 8, Austin Friars, London.
_Physician_--Dr. Fraser, 62, Guildford-street, Russell-square.
_Actuary and Secretary_--Edward Ryley, F.R.A.S.
At Sydney there is a Board of Directors, and Agents and Trustees at
Western Australia.
Agents in India.
Calcutta Messrs. Robinson, Balfour and Co.
Madras Messrs. Line and Co.
Bombay Messrs. Ritchie, Steuart and Co.
Ceylon Dr. J. C. Cameron, Assistant Staff-Surgeon.
(_Medical Referee._)
The following peculiar advantages are offered by this Company.
1. Their policies cover the risk of living and voyaging over a far
larger portion of the globe than do those issued by any other Company
in existence. They allow the assured to reside in the Australasian and
North American colonies, and at the Cape of Good Hope. They also allow
one passage out and home to any of those colonies. For British India a
very moderate extra-premium is charged.
2. Premiums may be paid, and claims settled at Sydney, Calcutta, Madras
and Bombay.
3. A third of the premiums may remain unpaid for five years; nor is it
necessary for the maintenance of the Assurance to pay up the premium
at the end of that time, but the unpaid thirds may remain as a debt
against the policy, if the interest be regularly paid upon them as the
renewal premiums fall due.
THE ANNUITIES offered by the Company are on a more favourable
scale than those offered by any other Companies, having been calculated
with reference to the rates of Interest obtainable on Colonial
Investments. Annuitants also participate in the profits.
Specimens of the Rates of Annuity for £100 sunk.
+------+-------------+---------------+------+-------------+---------------+
| Age. | Male Lives. | Female Lives. | Age. | Male Lives. | Female Lives. |
+------+-------------+---------------+------+-------------+---------------+
| | £ s. d. | £ s. d | | £ s. d. | £ s. d. |
| 40 | 7 8 3 | 6 18 2 | 65 | 12 12 0 | 10 19 0 |
| 50 | 8 13 6 | 7 14 4 | 70 | 15 0 8 | 13 2 6 |
| 60 | 10 16 3 | 9 9 0 | 75 | 18 9 2 | 16 3 5 |
+------+-------------+---------------+------+-------------+---------------+
EDWARD RYLEY, Actuary and Secretary.
CHURCH OF ENGLAND
LIFE AND FIRE INSURANCE INSTITUTION,
LOTHBURY, LONDON.
(_Empowered by Special Act of Parliament, 4 & 5, Vic., Cap. xcii._)
SUBSCRIBED CAPITAL ONE MILLION.
A LIST OF THE PROPRIETORS ENROLLED IN THE HIGH COURT OF CHANCERY.
_DIRECTORS._
MAJOR JAMES OLIPHANT, H.E.I.C., _Chairman_.
Major James Adair
The Very Rev. the Dean of Emly
Rev. W. Harness, M.A.
J. Hopkinson, Esq.
Benjamin Jackson, Esq.
Rev. H. J. Knapp, D.D.
James Lamb, Esq.
Captain Macdougall
William Ambrose Shaw, Esq.
George Sloane, Esq.
Edward Heathcote Smith, Esq.
Rev. H. T. Tucker, M.A.
John Walker, Esq.
Sir William White
Rev. Richard Wood, B.D.
_AUDITORS._
R. S. Cahill, Esq.
M. R. Scott, Esq.
_BANKERS._
Messrs. Herries, Farquhar & Co.
Commercial Bank of London.
_SOLICITORS._
Messrs. E. C. Harrison.
_SECRETARY._
William Emmens, Esq.
SCOTTISH BRANCH.
EDINBURGH.
Office, 55, Great King Street.
_Agent and Secretary._
William F. Skene, W.S.
GLASGOW.
Office, 24, Gordon Street.
_Agent and Secretary._
Robert Baird, Jun.
INDIAN BRANCH.
CALCUTTA COMMITTEE.
James Steuart, Esq.
Andrew Hay, Esq.
J. Spencer Judge, Esq.
W. McAdam Stewart, Esq.
Dr. Duncan Stewart
_Agents and Secretaries._
Messrs. Colvio, Ainslie, Cowie & Co.
MADRAS COMMITTEE.
Edward F. Elliot, Esq.
Walter Elliot, Esq.
Robert Franck, Esq.
Rev. G. W. Mahon
Ramsey Sladen, Esq.
_Agents and Secretaries._
Messrs. Parry and Company.
SPECIMEN OF RATES.
+-------------------------+----------------------------------------+
| HOME | INDIAN |
+-----+---------+---------+------+----------------+----------------+
| | | | | | |
| | | | | Civil | Military |
| Age | Seven | Life | +---------+------|---------+------+
| | Years | | | | | | |
| | | | Age | 7 years | Life | 7 years | Life |
+-----+---------+---------+------+---------+------+---------+------+
| | £ s. d. | £ s. d. | | Rs. | Rs. | Rs. | Rs. |
| 25 | 1 2 9 | 1 17 9 | 25 | 28 | 38 | 37 | 45 |
| 30 | 1 3 7 | 2 2 7 | 30 | 31 | 42 | 39 | 49 |
| 35 | 1 5 2 | 2 9 1 | 35 | 34 | 47 | 43 | 53 |
| 40 | 1 8 2 | 2 17 8 | 40 | 38 | 53 | 47 | 59 |
+-----+---------+---------+------+---------+------+---------+------+
Prospectuses, the necessary Forms, and every requisite information for
effecting Assurances, may be obtained on application to the Secretary,
at the Head Office in London, or to the Agents and Secretaries in
Scotland and India, as above.
Wm. EMMENS, _Secretary_.
THE LIVERPOOL AND LONDON
FIRE AND LIFE INSURANCE COMPANY.
(Established in 1836. Empowered by Act of Parliament.)
Offices--8, Water-street, Liverpool; 3, Charlotte-row, Mansion
House, and 28, Regent-street, Waterloo-place, London; 29,
Northumberland-street, Edinburgh; and Commercial-buildings, Dublin.
TRUSTEES.
SIR THOS. BERNARD BIRCH, Bart, M.P.
ADAM HODGSON, Esq.
SL. HY. THOMPSON.
DIRECTORS IN LIVERPOOL.
_Chairman_--William Nicol, Esq.
_Deputy Chairmen_--Joseph C. Ewart, Esq., Joseph Hornby, Esq.
Thomas Booth, Esq.
William Brown, Esq., M.P.
Thomas Brocklebank, Esq.
William Earle, Esq.
T. Steuart Gladstone, Esq.
George Grant, Esq.
Francis Haywood, Esq.
Robert Higgin, Esq.
George Holt, Esq.
John Hore, Esq.
George H. Lawrence, Esq.
Harold Littledale, Esq.
Andrew Low, Esq.
John Marriott, Esq.
Edward Moon, Esq.
Lewin Mozley, Esq.
John Pennington, Esq.
H. Stolterfoht, Esq.
_Secretary_--Swinton Boult, Esq.
_Auditors_--T. B. Blackburn, Esq., and Daniel James, Esq.
_Bankers_--Bank of Liverpool. Union Bank of London.
_Solicitors_--Messrs. Clay, Swift, and Wagstaff, Union Court, Liverpool.
_Medical Referees_--James Vose, M.D. Robert Bickersteth, Esq.
_Surveyor_--John Stewart, Esq.
DIRECTORS IN LONDON.
_Chairman_--William Ewart, Esq., M.P.
_Deputy Chairman_--George Frederick Young, Esq.
Sir W. P. de Bathe, Bart.
Mathew Forster, Esq., M.P.
Frederick Harrison, Esq.
James Hartley, Esq.
Ross D. Mangles, Esq., M.P.
James D. Nicol, Esq.
Hon. F. Ponsonby.
John Ranking, Esq.
J. M. Rosseter, Esq.
Edward T. Whitaker, Esq.
Swinton Boult, Esq.
_Secretary to the Company_.
_Resident Secretary_--Benjamin Henderson, Esq.
_Manager of West-end Branch_--Frederick Chinnock, Esq.
_Bankers_--Union Bank of London.
_Solicitors_--Messrs. Palmer, France, and Palmer, Bedford-row, London.
_Medical Referees_--Marshall Hall, M.D., F.R.S. A. Anderson, Esq., F.R.C.S.
_Surveyors_--Messrs. Thompson and Morgan, 2, Conduit-street West, Hyde
Park.
THE AMOUNT OF CAPITAL SUBSCRIBED EXCEEDS £1,500,000. At the
commencement of 1849, the Reserved and Guaranteed Funds were, together,
£164,940. The liability of the Proprietors is unlimited.
THE FIRE BUSINESS HAS STEADILY INCREASED YEAR BY YEAR. The
Duty paid to Government in 1836 was £3,414, in 1846 it reached £12,362.
The Premiums are moderate; the settlement of claims liberal and prompt.
Insurances are effected at home and abroad.
IN THE LIFE DEPARTMENT, simplicity, certainty, and large
GUARANTEED BONUSES, involving no liability of Partnership,
with very reasonable Premiums, are characteristics of the Company. The
amount of Premiums on new business in 1846 was £3,160; in 1847, £3,687;
in 1848, £4,410.
CAPITAL SUMS, _payable on a fixed future day_, giving to
Property held under Lease for years certain the same value as if it
were Freehold, are insured by the Company. Full Prospectuses may be had
on application at the Offices or Agencies.
BENJAMIN HENDERSON, _Resident Secretary in London_.
SWINTON BOULT, _Secretary to the Company_.
[Illustration]
UNDER THE ESPECIAL PATRONAGE OF
HER MOST GRACIOUS MAJESTY THE QUEEN.
SOCIETY
FOR GENERAL ASSURANCE ON LIVES.
THE ROYAL MILITARY, EAST INDIA AND GENERAL
LIFE ASSURANCE SOCIETY,
13, WATERLOO PLACE, LONDON.
DIRECTORS.
Colonel Sir Frederic Smith, K.H., F.R.S., R.E., _Chairman_.
James Nugent Daniell, Esq., _Deputy Chairman_.
Admiral the Right Hon. Sir G. Cockburn, G.C.B.
Major-gen. Sir J. Cockburn, Bt., G.C.H.
General Sir Thomas Bradford, G.C.B., G.C.H.
Major-gen. Sir P. Ross, G.C.M.G., K.C.H.
Lieut.-gen. Sir John Gardiner, K.C.B.
Major-gen. Sir Hew D. Ross, K.C.B., R.A.
Captain Sir George Back, R.N., F.R.S.
Major-general Taylor, C.B., E.I.C.S.
Major-general Edward Wynyard, C.B.
Major-general Arnold, K.H., K.C.
Archibald Hair, Esq., M.D., late R.H.G.
Captain William Lancey, R.E.
William Chard, Esq., Navy Agent.
Wilbraham Taylor, Esq.
Major-general Sir John Rolt, K.C.B.
Major F. S. Sotheby, C.B., E.I.C.S.
Lieut.-colonel Alderson, R.E.
Major-general Sir George Pollock, G.C.B.
BANKERS--Messrs. Coutts and Co., 59, Strand.
PHYSICIAN--Sir Charles Fergusson Forbes, M.D., K.C.H., F.L.S.
STANDING COUNSEL--John Measure, Esq., 4, Serle Street,
Lincoln's-inn-fields.
SOLICITOR--Rowland Neate, Esq., 57, Lincoln's-inn-fields.
ACTUARY--John Finlaison, Esq., the Government Calculator, and
President of the Institute of Actuaries.
Assurances are granted upon the lives of persons in every profession
and station in life, and for every part of the world, with the
exception, for the present, of that part of the western coast of Africa
within the tropics.
The Rates of Premiums are constructed upon sound principles with
reference to every colony, and, by payment of a moderate addition to
the Home Premium, in case of increase of risk, persons assured in this
office may change from one climate to another, without forfeiting their
Policies.
Four-fifths of the Profits are divided amongst the Assured, and the
Bonus may, at their option, either be applied in augmentation of the
Sum Assured, or in reduction of the Annual Premium, or its value may be
received in Cash.
JOSEPH CARTWRIGHT BRETTELL, _Secretary_.
UNIVERSAL LIFE ASSURANCE SOCIETY,
ESTABLISHED IN THE YEAR 1834.
_Empowered by Special Act of Parliament._
1, KING WILLIAM STREET, LONDON.
FOR THE ASSURANCE OF LIVES
<g>AT HOME AND ABROAD</g>,
INCLUDING GENTLEMEN ENGAGED IN
THE MILITARY, NAVAL AND CIVIL SERVICES IN INDIA.
DIRECTORS.
Sir Henry Willock, K.L.S., _Chairman_.
John Stewart, Esq., _Deputy-Chairman_.
Major-gen. Sir R. Armstrong, C.B. K.C.T. & S.
John Bagshaw, Esq., M.P.
Augustus Bosanquet, Esq.
Charles Dashwood Bruce, Esq.
Ellis Watkin Cunliffe, Esq.
William Kilburn, Esq.
Francis Macnaghten, Esq.
Charles Otway Mayne, Esq.
William Rothery, Esq.
Robert Saunders, Esq.
James Duncan Thomson, Esq.
Captain Samuel Thornton, R.N.
AUDITORS.
Robert Gardner, Esq.
Robert Hichens, Esq.
William Oxborough, Esq.
BANKERS.