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lxxxiv GRAY'S ANNUAL DIRECTORY.
SCOTTISH UNION FIRE AND LIFE INSURANCE COMPANY.
INCORPORATED BY ROYAL CHARTER.
CAPITAL, FIVE MILLIONS STERLING.
The Most Noble the MARQUIS OF LOTHIAN, — Governor.
HENRY COCKBURN, Esq. Solicitor-General of Scotland,— -Deputy Governor.
EXTRAORDINARY DIRECTORS.
John Hope, Esq.
Sir Henry Steuart, Bart.
R. Wardlaw Ramsay, Esq.
Sir William Maxwell, Bart.
James Balfour, Esq. M.P.
Sir W. C. G. Cumming, Bart.
James Reddie, Esq.
General Graham Stirling.
Sir J. W. Mackenzie, Bart.
North Dalrymple, Esq.
James Hunter, Esq.
Sir David Milne, K.C.B.
John Jardine, Esq.
R. Macleod, Esq. M.P.
John Borthwick, Esq.
ORDINARY DIRECTORS.
E. Henderson, Esq.
Hugh Bruce, Esq.
Lieut. -Col. W. Macdonald.
The Lord Provost.
George Aitchison, Esq.
Peter Forbes, Esq.
James Elliot, Esq.
E. D. Sandford, Esq.
James Reoch, Esq.
William Allan, Esq.
David George Sandeman, Esq,
Robert Pitcairn, Esq.
Captain J. D. Boswell, R.N.
James Pillans, Esq.
George Brown, Esq.
Sutherland Mackenzie, Esq. — Manager.
Francis Howden, Esq. — . James Spittal, Esq .Francis Brodie, Esq. —
George Kinnear, Esq. —John Mowbray, Esq. — Trustees.
The Royal Bank op Scotland, Messrs Alexander Allan & Co Bankers.
Henry & D. Johnston, M.D. — David Maclagan, M.D. — Consulting Physicians.
Messrs Ellis & Knox, — Solicitors.
This National Institution comprises the principal influence in Scotland among its numerous Pro»
prietary, and affords unquestionable security to the Public by the magnitude of its Capital. Established
on a broad and solid basis, it has been enabled, by the unexampled support which it has received, to
conduct its operations on a larger scale than its competitors in North Britain.
The Capital Stock of the Scottish Union Company cannot at any period be endangered, according to
any calculable human hazard ; and all persons insured with this Company may rest in absolute
certainty, that, whenever a claim shall arise, ample means will be always available to satisfy it with
promptitude ; and that the principles by which this Institution is regulated will provide resources for
the liberal adjustment of every demand.
From a variety of causes, there is of late years a decided increase in the mean duration of life, in
many parts of Europe ; an improvement, however, which it is extremely probable has been exaggerated.
It has been the earnest endeavour of the Directors and Manager to ascertain how far the results of
experience might be rendered beneficial to the Public, without giving any cause to suppose that, in so
doing, they were actuated by a dangerous spirit of competition. In adopting, for the basis of Life
computations, the Mean Standard Table of the Decremant of Life in Great Britain, in 1824, as published
in the Philosophical Transactions, their motives 'cannot be questioned. A fair estimate of the duration
of life, in the country wherein the persons to be assured reside, is attained on scientific principles ; and
the Public is justly entitled to all the benefit of the investigation.
It will be found on examination, that the Directors have thought themselves justified in making
some reduction in favour of the Public from the basis thus adopted, in consideration of local
circumstances.
Young and middle-aged persons are accordingly assured at reduced rates, by which they derive,
upon the best and most equitable footing, an immediate and certain advantage.
Prudence dictates to every man, who is anxious to provide for his family, to effect his Insurance at
the lowest premium, combined with perfect security. If he become an insurer in this Company, his
object will be completely attained. The Directors, therefore,- have every confidence that the reduced
rates, and the superior security of the Scottish Union Company, will obtain a continuance of that
distinguished support from the Public which it has hitherto experienced.
Tables of Rates, and explanation of any description of Fire and Life Assurance, may be had at the
Company's Office, No. 47, George Street, Edinburgh, or from any of the Company's agents in the
country, a list of whom is published in the Edinburgh Almanack.
F. G. SMITH, Secretary.