Counties > Moray (Elgin) and Nairn Shires > 1863 - Black's Morayshire directory, including the upper district of Banffshire

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ADVERTISEMENTS.
THE NORTHERN ASSURANCE COMPANY.
ESTABLISHED IN 1836.
HEAD OFFICE, 3, KING STREET, ABERDEEN.
Accumulated Funds on 31st December, 1861, - - £558,358
EIRE DEPARTMENT.
Net Fire Revenue in 1851 (after deduction of Re-Insurances), £8,807
Do. in 1861 Do., 115,854
Average annual increase for the last ten years, £10,704
rTlHE COMPANY now stands, in point of Fire Revenue, first in
J_ the list of Scotch, and seventh in the list of all the Fire Offices of the United
Kingdom.
LIFE DEPARTMENT.
At the last Balance, being for the period of eleven months, ended
31st December, 1861, the net Life Revenue was shown to be £75,673
Life Assurances are granted with and without participation in Profits
The NON-PARTICIPATION SCHEME is adapted for those who prefer the pre-
sent advantage of Reduced Premiums to a future Bonus, the Premiums having been
calculated on the most economical scale consistent with perfect safety. They will be
found to bear a most favourable comparison with those of other Offices
«. In A the PARTICIPATION or MUTUAL BRANCH, the whole Profits belong to
the Assured, and are divided every Five Years among the Members— the business
being conducted by the Proprietors, who also guarantee the sums assured, for a fixed
charge on the amount of Premiums received.
FOREIGN RESIDENCE.
4.1, T \ e o Assu ^ ed ar ? n ° w P erm itted to reside in any part of the world, distant more
than 66 d.eg. from the Equator, without payment of Extra Premium— persons en°~a°-ed
in gold-digging or other hazardous occupations excepted; arid for residence or vovaees
beyond this limit the extra charge is considerably reduced.
Persons proceeding to the East or West Indies have likewise the option of effecting
their Assurances under a new system, whereby, instead of being subjected to a heaA^v
Jixtra Premium during their residence within the tropics, they may throw the same
over the whole currency of the Policy, by paying a fixed rate, which will be found
very little higher than the Home Rate.
The next Division of Profits will be made as at 31st December, 1865 : and Policies
opened during the current year will rank for three years' bonus on that occasion.
NO ENTRY-MONEY NOR CHARGE FOR POLICY STAMP.
Medical Reports paid for by the Company. Annuities sold on favourable terms
.bire and Life Proposals and Tables of Rates may be obtained at the Head Office
or numerous Agencies throughout the kingdom.
Wm. CHALMERS, Manager.
H. AMBROSE SMITH, Secretary.
1st January, 1863. J
AGENTS IN ELGIN.
Messrs. GRIG OR & YOUNG, Writers.