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

ADVERTISEMENTS. 33
SCOTTISH PROVINCIAL
FIRE AND LIFE ASSURANCE COMPANY.
ESTABLISHED 1825. INCORPORATED BY ACT OF PARLIAMENT.
C-iLZPIT^Xa, OITE IMIXXiXilOOSr-
L I F E DEPARTMENT.
THE Arrangements of this Office are based on principles that have
been verified by experience.
The Rates for Assurance of fixed sums are very moderate.
Extra Premiums for Foreign Residence have been dispensed with to a great extent,
and a very important rule has been adopted to protect the interests of parties holding
Policies on the Lives of others, who may incur extra risks without the knowledge of
the holders.
For surrender of Policies of the ordinary class, after three years' endurance, a
liberal return of Premiums, according to a fixed rule, is guaranteed, besides the value
of vested Bonuses where such have been declared.
According to the constitution of the Company, Investigations must be made at
intervals not exceeding five years. The last investigation took place at 31st January,
1862, when Bonuses were added to all Assurances of the Participation Class ; and the
following results of this and previous declarations may be stated : —
1. A Policy for £1000 on which 7 years' premiums had been paid was increased, in
1862, to £1098 2 10
2. A Policy for £1000, on which 22 years' premium had been paid, was increased
to £1319 16 2
A further Bonus is also payable on Policies, to which vested additions have been
made, becoming claims before next investigation — an arrangement which secures for
such case advantages similar to those of Annual Investigations.
Prospectuses with 'every information, and Forms of Proposal, may be obtained at
any of the Offices or Agencies of the Company.
FIRE DEPARTMENT.
Risks of almost every description are undertaken at the usual rates. Claims
promptly settled.
Losses arising from Explosion of Gas are paid by this Company.
Transfers from other Offices free of expense.
CHAS. F. GRIFFITH, Manager.
ALEX. STABLES, Jun., Secretary.
AGENTS.
Elgin MURDOCH & FORSYTH, Bankers.
f Geo. R. Forbes, Solicitor.
Ban ff \ Thomas Adam, Banker.
Fochabers John Cran, Banker.
Forres Robt. Urquhart, Banker.
Garmouth W. H. Thomson, Banker.
_, , (Wm. Fleming, Banker.
Grantown jj ^ Mackay, Writer.
Keith Wm. Thurburn, Banker.
Macduff. Alex. George, Solicitor.
Portsoy A. L. Minty, Merchant.