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150
ADVERTISEMENTS.
IMPERIAL
FIRE INSURANCE COMPANY,
1 OLD BROAD STREET, LONDON.
INSTITUTED 1803.
SUBSCRIBED AND INVESTED
CAPITAL, ONE MILLION SIX HUNDRED THOUSAND POUNDS.
FOR Insuring Houses and other Buildings, Goods, Wares, Merchandizes, Manufactur-
ing and Farm Stock, Ships in Port, Harbour, or Dock, and the Cargoes of such
Ships ; also, Ships Building and Repairing ; Barges and other Vessels on Navigable
Rivers and Canals, and Goods on Board such Vessels throughout Great Britain and
Ireland, and in Foreign Countries, from Loss or Damage by Fire. The Rates
of Annual Premiums on the three ordinary Classes of Insurances are : —
Common, Is. 6d.; Hazardous, 2s. 6d.; Doubly Hazardous, 4s. 6d.,
Except in Special Cases.
The Rates for all Insurances not coming under the above heads, are fixed by
Special Agreement.
No charge is made for Policies, Transfers, Alterations, or Removals.
IMPERIAL
LIFE INSURANCE COMPANY,
INSTITUTED 1820.
CAPITAL, £760,000; PREMIUM FUND, £800,000.
A SCALE of Premiums on insurances for the whole term of life has recently been
adopted, by which a material reduction has been made at all ages below 50 years.
Four-fifths, or 80 per cent., of the profits are assigned to policies every fifth year, and
may be applied to increase the sum insured, to an immediate payment in cash, or to the
reduction and ultimate extinction of future premiums.
The following will show the effect of the Bonus on Policies of 30 years' duration, on
the 31st of January, 1851.
Age
when
Insured.
Sum
Insured.
Annual
Premium.
Addition to
Sum payable
at death.
Value of
Addition
in Cash.
Or
Premiums
extinguished
and
Cash Paid.
21
£1000
£22 5
£560
£276
£5
26
2000
49 1 8
1120
617
93
31
3000
81 17 6
1680
1027
282
36
4000
122 13 4
2240
1505
582
41
5000
174 7 6
2800
2043
992
One-third of the premium on insurances of £500 and upwards, for the whole term of
life, may remain as a debt upon the policy, to be paid off at convenience ; by which means
£1,500 may be insured for the present outlay otherwise required for £1,000.
LOANS.
The Directors will lend sums of £50 and upwards, on the security of policies effected
with this Company for the whole term of life, when they have acquired an adequate
value.
SECURITY.
Those who effect insurances with this Company are protected by its large capital from
the risk incurred by members of mutual societies.

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