Towns > Edinburgh > 1838-1846 - Post-Office annual directory and calendar > 1841-42

LXXXII
Insurance Companies.
NORTH BRITISH INSURANCE COMPANY,
EiTraqm'ntrtf St> 3L\0i)aT Charter,
For Assurance on Lives and Survivorships, the Purchase and Sale of Reversions and
Annuities, and Insurance against Fire.
1, HANOVER STREET, EDINBURGH;
4, NEW BANK BUILDINGS, LOTHBURY, LONDON J AND 37, COLLEGE GREEN, DUBLIN ;
CAPITAL,
PRESENT ACCUMULATED LIFE FUND,
PRESENT ANNUAL REVENUE, FROM LIFE PREMIUMS ALONE, UPWARDS OF
President,— HIS GRACE THE DUKE OF SUTHERLAND.
/ THE MARQUIS OF ABERCORN.
1 THE VISCOUNT MELVILLE, K.T.
Extraordinary Directors.
£1, 000,000
281, 400
71,000
Vice-Presidents,
Colin Campbell of Colgrain, Esq
The Hon. Lord Cuninghame.
Sir David Dundas of Dunira, Bart.
Wm. D. Gillon of Wallhouse, Esq., M.P.
Sir Geo. M'Pherson Grant of Ballindalloch, Bart
Captain James Hay, H.E.I.C.S.
Sir Thos. Dick Lauder of Fountainhall, Bart.
Ordinary Directors.
Sir Francis Walker Drummond of Hawthornden, Bart., Chairman.
Robert Whigham, Esq.. advocate, Vice-Chairman
The Hon. Lord Moncreiff.
Henry Monteith of Carstairs, Esq.
R. A. Oswald of Auehineruive, Esq.
Wm. R. Ramsay of Barnton, Esq.
Thomas Guthrie Wright, Esq., Auditor* of the
Court of Session.
Laurence Davidson, Esq., W.S
C;ipta'm Henry Dundas, R.N.
John Gibson, Jun., Esq., W.S.
Alex. Monypenny, Esq., W.S.
James Borihwick
James Nairne. Esq., W.S.
Major Norman Pringle.
Peter Ramsay, Esq., Banker.
J. Renton, Esq. Accountant.
James Walker, Esq., W.S.
William Young, Esq., W.S.
Esq.. Manager. John Osjilvie. Esq., Secretary.
Medical Officer— John G*. M. Burt, M.D., George Street.
Solicitors — Messrs Nairne and Bertram, Writers to the Signet.
Bankers — Bank of Scotland, and Royal Bank.
LIFE ASSURANCE.
THIS COPORATION RANKS AMONGST THE FIRST AND MOST FLOUniSHING COMPANIES IN
Scotland; supported by a large and Influential body of Proprietors; giving to the Assured
every advantage hitherto offered to the Public.
The Premiums are moderately rated at all ages ; and are so modified, by ascending and descending
scales and otherwise, as to suit the object of every Insurer, at the least immediate outlay, whether to
secure a debt, provide for his family, or to convert income into capital for his own use.
When an Insurance is for the whole period of life, one half of the Premiums only require to
be paid for the first five years after the date of the Policy, the other half may remain unpaid,
subject to the payment of interest at Jive per cent annually, to be deducted at death, or may be previously paid
off at convenience. It obviously becomes easy for a person of very moderate income to secure, by this
arrangement, a provision for his family ; and should he, at any time after effecting the Insurance,
succeed to or acquire a fortune, he may relinquish his Policy, having only paid one half the Premiums
for the first five years instead of the whole as in other Companies.
Participating Policies share in the Profits without payment of Entrance Money, or incurring the
risk attending Mutual Assurance.
Bonuses may be either added to the sum Insured, or applied in reduction of future Premiums. The
last Bo?ius (declared December, 1837) averaged thirty-seven per cent on the Pemiums paid.
Loans are granted to Policy-Holders without expense, on approved personal security.
SPECIMENS OF THE TABLES.
Annual Premiums for Assurance o
f £100 on a Single Life.
Whole Lite
Short Periods.
Age.
With Profits.
Without Profits.
Seven Years.
One Year.
15
20
30
40
50
60
£1 13 9
1 17 10
2 9 5
3 6 1
4 11 11
6 16 2
£1 10 8
1 14 5
2 4 11
3 1
4 3 7
6 3 9
£0 15 3
16 2
1 4 6
1 12 2
1 18 11
4 5 8
£0 13 10
15 10
1 2 8
1 9 2
I 16 8
3 13 1
i -'"
maul rremiuuu Jar Juxaniif.
L£100
payable at GO . years of age, oi
at death, if it occur before 60.
Whole Life.
Age.
H ithout Profits.
With Profits.
16
£1 19 9
£2 1 9
20
2 4 11
2 7 2g
25
2 13 5
2 16
SO
3 4 9
3 8
35
3 19 7
4 3 7
40
5 2 10
5 8
Ages above 60 considered as special risks and rated according to circumstances.
FIRE INSURANCE.
Property Insured against Los* or Damage by Fire at the lowest rates of Premium, corresponding to
the Risk. Rents Insured at the same Rate of Premium as the Building. Farm Stock and Crop In-
sured in cumido onpne Farm without average clause. Loss or Damage by Lightning made good. All
expenses attending "the removal of goods, insured with this Office in time of danger, repaid. Losses
settled with promptitude and liberality, without any deduction whatever.
Prospectuses, with full Tables of Rates, and every information, may be had on application at the
Head Office in Edinburgh, or at any of the Agents in the Country.