Towns > Forfar > 1885-1895, 1897-1911 - Forfar directory and year book > 1898

NORTH BRITISH 1 MERCANTILE
INCORPORATED BY ROYAL CHARTER & SPECIAL ACTS OF PARLIAMENT.
ESTABLISHED 1809.
FIRE. LIFE. ANNUITIES.
Total Assets exceed £13,000,000.
HI HE Funds of the Life Department are ?iot liable for obligations under the Fire Deparl-
•*- ment, nor are the Funds of the Fire Department liable for Obligations under the Life
Department, In this Company, therefore, the Investments for the Life Departmerit are kept
entirely separate from those of the Fire Department, as set forth in the Balance Sheet.
LIFE DEPARTMENT.
IMPORTANT FEATURES.
All Bonuses vest on Declaration.
The period during which a lapsed policy may be revived is extended to one year, and the
fine payable on revival is much reduced.
The Surrender Value of a lapsed policy is held at the credit of the assured during the
extended period of ten years ; and during that period the option is allowed of taking
a paid-up policy calculated on very favourable terms.
The Suicide Clause is abolished.
The form of policy has been shortened and simplified, so that the true meaning of the
contract may be readily ascertained.
Claims paid immediately on proof of death and title.
Premiums adjusted to each half-year of age.
Minimum Surrender Values fixed.
Policy not forfeited by error in Proposal Papers, unless accompanied by fraud.
General freedom of policies from restriction as to residence, occupation, and travel.
ANNUITY BRANCH.
Annuities, Immediate, Contingent, or Deferred, are granted on favourable terms.
FIRE DEPARTMENT.
Property of nearly every description insured at Home and Abroad at the Lowest Rates of
Premium corresponding to the risk.
LOSSES SETTLED WITH PROMPTITUDE & LIBERALITY.
Prospectuses and every information may be had at the Chief Offices, Branches, or Agencies.
PUIEF HFFIPFQ (EDINBURGH, 64 Princes Street.
UniCr UlNOLO t LONDON, 6i Threadneedle Street.
ABERDEEN BRANCH— 91 UNION STREET.
LOCAL BOARD.
GEORGE COLLIE, Esq., of Balnagarth. I WILLIAM YEATS, Esq., of Auquharney.
TAS. FORBES LUMSDEN, Esq., Advocate | L. MACKINNON, Esq., Yost, Advocate.
ALEX. M. OGSTON, Esq., of Ardoe.
Local Manager-GEORGE W. W. BARCLAY.
AGENTS IN FORFAR.
PATRICK WEBSTER Flemington. T. HENDERSON, Agent, National Bank,
W. & J. DON & Co. (Fire only).
J A. B. WYLLIE, Solicitor.
JOHN R. ABEL, Chemist.