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ADVERTISEMENTS.
233
NORTH BRITISH
FIRE AND LIFE INSURANCE COMPANY,
Established in 1809. Incorporated by Royal Charter.
CAPITAL-ONE MILLION.
HEAD OFFICE-64, PRINCES STREET, EDINBURGH.
BRANCHES—
Glasgow, 8, ROYAL EXCHANGE SQUARE. I Liverpool,^
London, „,4, NEW BANK BUILDINGS. | Newcastle,,
.1, INDIA BUILDINGS.
,14, SANDHILL.
PRESIDENT—
His Grace The DUKE of SUTHERLAND, K. G.
LIFE DEPARTMENT.
THE System of the NORTH BRITISH INSURANCE COMPANY com-
bines the Principle of Mutual Insurance with the Safety of a large Protecting Capital.
Parties may either share in the Profits to the extent of nine-tenths, or pay a lower rate of
Premium to secure a precise sum without periodical additions.
The Profits are allocated on the Life Insurance Principle, whereby each one draws exactly
the share due to the Premiums he has paid, and has the fullest benefit of his longevity, at what-
ever age he enters, and to whatever age he may attain.
The Profits are Divided Septennially, and at each Division a Prospective Bonus is declared
in favour of such Policies as become claims within the succeeding period, whereby the benefit of
Annual Division is obtained without its inconveniences.
The Bonus declared for the Septennial Period ending 31st December, 1851, was at the rate of
one and a quarter per cent, per annum on the sums insured, and on the previous Bonus Ad-
ditions, with a prospective Annual Bonus of One per Cent.
Offices that Divide their Profits on the Tontine Principle, may hold out the promise of larger
Bonuses, but the chance of attaining them is, of course, proportionally less.
The Premiums are moderately rated at all ages, and may be so adjusted as to suit the objects
and convenience of parties.
Specimen Table for the Assurance of £100 on a Single life,
Whole op Life.
Whole (
p Life.
Age next
Birthday.
Age next
Birthday.
Without Profits,
With Profits.
Without Profits
With Profits.
£ S. D.
£ S. D.
£ S. D.
£ S. D.
20
1 12 11
1 18 2
40
2 17 3
3 5
25
1 17 6
2 3 5
43
3 2 6
.3 10 2
27
1 19 8
2 6
45
3 6 5
3 14
30
2 3
2 9 10
47
3 11
3 18 5
33
2 6 5
2 13 10
50
3 19 9
4 7
35
2 9 2
2 17
55
5
5 6 10
37
2 12 2
3
60
6 3 1
6 13 2
The sums insured may be made payable to the party himself, on his attaining a specified age,
or to his heirs or assignees, at his Death ; or alternatively to himself on attaining the specified
age, or to his heirs or assignees, if he should die earlier.
EXAMPLE.
Annual Premiu
To secure £100 to the Assured aged 30, on attaining the age of 5Q OT «« nm »^.£3 5
To secure £100 to his Heirs, at his Death, .™»,™^ „„. — ,~~.„„„~,~™~™™~ 2 3
To secure £100 to himself if he attain the age of 50^ or to his Heirs or As-
signees if he die earliei'^,,,.-,™,,,,™ „„„ ™™^„„, ,„,,^^ / „~,.,„.„w,~~™- 4 13
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