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Full text of "The Insurance Register (life) ... Containing a Record of the Yearly Progress ..."

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3 3433 



11\ 

ILibrari^ of the lEquitable 
Xife assurance Society 
of tbe XHniteb States. 



v 



Digitized by 



Gddgle 



Digitized by 



Google 



• THE, • 

Insurance 

REGISTtR 

• 

CONIAININC.WITH OTHER INFOR^fXTION. 
X RECORD OF THE 

yexrly progress 

Xnd the 
PRESENT FIKXNCIAL POSITION OF 
BRmSH INSU^NaXSSOCilaTONS 




LONDON. 
CHARLES liMD EDWIN LXyTON, 

56 fXrrinodon $xtc. 



Thirty-First Year of Publication. 




Price One Shilling 



THE EQUITABLE 

LIFE A.SSTJR^Ifl'CE SOCIETY. 



This Society, familiarly known as "THE OLD EQUITABLE," was 
established in the year 1762, and is the oldest Life Office on the Mutual principle 

in existence. It was the first Society to charge rates of Premium varying with the 
age of the Life Assured. During its long career of uninterrupted prosperity it has 
distributed unusually large sums in Bonuses, and to-day stands in the unrivalled 
position of having more than 

TWENTY-FOUR TIMES THE ANNUAL PREMIUM INCOME IN HAND. 



Ninety-Seven Years' Record. 

During the Ninety-seven years ended December 31st, 1897— 



The Premiums received amounted to 

And the Society paid- 
in Claims under its Policies . 

In Bonuses 

As Surrender Values •.. 
In Annuities 

Total Pajrments . 



£25,630,109 

£20,139,949 

22,572,120 

2,201,431 

164,159 

£45,077,659 



And had Invested on December 31st, 1896 £4,402,281 

So that, over the whole of that period, for every ;£i,000 that became a claim the 
Society paid, on the average, in amount assured and bonus, £2^121; and the 
Members or their relatives received, on the average, a return of £vj6 for every 
jf 100 paid in Premiums. 

Out of 100 Policies which became claims in the year 1897, the sum assured and 
declared Bonuses together 



In I case Exceeded Four Times 
In 8 cases Exceeded Three Times 
In 29 cases Exceeded Twice, and 
In 56 cases, or more than half of the total, 
Exceeded One-and-a-half Times 



the Original 
Amount Assured. 



THE SOCIETY DEALS DIRECTLY WITH THE PUBLIC, 

without the intervention of the unnecessary middleman. It has NO AGENTS and 
pays NO COMMISSION, by which alone the Members have benefited to the 
extent of at least ;^2,cxx),ooo. A person wishing to become a Member should write 
to the Actuary for a Prospectus, which contains an explanation of, and rates for, the 
different classes of Assurance, and full instructions how to make a Proposal. 

H. W. MANLY, Actuary. 
Address : 

MANSION HOUSE SI/^Hr MANSION HOUSE, LONDON, E.G. 



Digitized by 



t? 



uuv 



the Largest Insurance Oompany in the World. 

THE MUTUAL LIFE INSURANCE COMPANY 

OF NEW YORK. 

(RICHARD A. McCURDY, President). 
JSanfietd : 

THE BANK OF ENGLAND. 

THE NATIONAL PROVINCIAL BANK OP ENGLAND 

THE BANK OF SCOTLAND. 

THE BANK OF IRELAND. 

THE GUARANTY TRUST SOCIETY. 



EXTRACTS from the 55th ANNUAL REPORT 
(31th December^ iSgy). 

Funds iS61328,698. An Increase of £8,088,188 

Total Income 11,812,888. „ 891,474 

Ppemlum Income 8,029,818. „ 172,222 

Surplus over Liabilities 7,291,210. „ 1,185,766 

Interest Receipts 2,158,262. „ 82,507 

New Business paid for, £27,879,046. 



SUMS ASSURED more than TREBLED BY BONUSES. 

23 Policies issued 55 years ago for £12,230 are now worth £38,697. 



INSURANCE. INVESTMENT. INCOME. 

The Company transacts Life Insurance Business of every description upon the 
most favourable Terms. The folloMring, among other advantages, can be provided 
for under Policies issued by this Company. 

An Income for your Wife and Family if you die. 

An Income for yourself if you live. 

For tlie future Education and Maintenance of your Cliildren. 

For your Daugliter's Marrias:e Settlements. 

For your Son's start in Business or Profession. 



REMISSION OF INCOME TAX. 



OPTION OF EXTENDING INSURANCE in case of inabiUty to continue 
after Third Annual Payment 



Full particulars and details of Actual Results will be furnished on application 
at any of the Branch OfEces, or at the Head Office for the United Kingdom, 

16, 17 & 18, OORNHILL, LONDON, E.G. 

D. C. HALDEMAN, General Mandger. 

.Hie Best Gompany is tlie Company that does the jQg J^^e 



THE LAW GUARANTEE & TRUST SOCIETY, 

LIMITED. 

Subscribed Capital, £1,000,000. Paid Up, £100,000. 
Reserve Fund, 31st December, 1898, £86,000. 



The Hon. Mr. JUSTICE DAY. 




Ztnetcce. 

The Hon. Mr. JUSTICE GRANTHAM. 

S>irector0. 
THOMAS RAWLE, Esq., Chairman, x899-z9oo. 
BENJAMIN GREENE LAKE, Esq., 

Vice-CkairmaHf 1899-1900. 



E. J. BRISTOW, Esq. 
JOHN EDWARD 



GRAY HILL, Esq. 
JOHN HUNTER, Esq. 
FREDERICK HALSEY JANSON. Esq. 
WILLIAM MAPLES, Esq. 
SIR JOSEPH SEBAG MONTEFIORE. 
RICHARD PENNINGTON, Esq., 
EDWARD F. TURNER, Esq. 
RADCLYFFE WALTERS, Esq. 
WILLIAM WILLIAMS, Esq. 

Solicitors* 

Messrs. TORR, GRIBBLE, ODDIE & SINCLAIR. 

Sankere. 

Messrs. CHILD & CO. 

BANK OF ENGLAND, Law Courts' Branch. 

NATIONAL PROVINCIAL BANK OF ENGLAND, 

Limited, Lincoln's Inn Branch. 

General Aanager & Secretary. 
T. R. RONALD. 



^ B60i0tant Aanager. 
D. M. GARMENT. 



B00i0tant Secretary. 
W. S. BATES. 



FIDELITY GUARANTEES. 

POUOIZS are granted on favourable terms guaranteeing to Employers the fidelity of Kanagers, 

Seoretaries, Gierke, Oaahiert, Travellers, Oolleotors, and other Employees. Eeoeivers', Liquidators', 

Trustees', Administrators' and Lunacy Oonunittees' Bonds granted on advantageous terms. 

MORTGAGE INSURANCE. 

The Bates are moderate and vary aooording to the Security offered. Loans on Eeversions and 
Life Interests Ouaranteed. 



LICENSE INSURANCE. 

Depreciation of Property in consequence of Loss of License insured against. 

DEBENTURE INSURANCE. 

The advantages of such Insurance are as follows: — 

1. — The Debentures being guaranteed by the Society can be placed at not less than par, 

thus saving discount. 
2. — A lower rate of Interest is willingly accepted. 
8. — The Society acting as Trustee for Debenture Holders also adds to the Securily. 

CONTINGENCY INSURANCE. 

Indemnities re Lost Documents, Missing Beneficiaries, Defects in Title, ftc. 
Marriage, Ee-Marriage, and Issue Risks, &c. 

TRUSTEESHIP F OR DEBEN TURE HOLDERS. 

The Society is prepared to be appointed 
TRUSTEE UNDER WILLS, MARRIAGE SETTLEMENTS, &c. 



Head Oface— 49, CHANCERY LANE, LONDON, W.C. 

City Oface— 56, MOOBGATE STREET, LONDON, E.G. 

DUBLIN, EDINBTXROH, BIRMINGHAM, GLASGOW, HTTDDEESFIELD, LEEDS, LIVEBFOOL, 
MANGHXSTEB, NEWCASTLE-ON-TYNE. 

Digitized by VjOOQ IC " 



THE 



INSURANCE REGISTER 

1899: 

CONTAINING, WITH OTHER INFORMATION, A RBCORD OF THE 

YEARLY PROGRESS 



AND THE 



PRESENT FINANCIAL POSITION 



BRITISH INSURANCE ASSOCIATIONS. 



[THIRTY-FIRST YEAR OP PUBLICATION.] 



LONDON : 
CHARLES AND EDWIN LAYTON, 

56, FARRINGDON STREET, E.G. 

1899. 
(Entered at Stationers* Hall, ) r^ 1 

Digitized by VjOOQ IC 



^^'iSOA 



TABLE OF CONTENTS. 

I 



PAGB 

1. Accident Insurance i 

2. Fire Insurance 6 

3. Insurance Directory 12 

Giving the Date of Establishment, Title, Business, Chief and 
Principal Branch Offices, Board Days, and Principal Officers. 

4. Insurance Officers' Directory 35 

5. Insurance Institutes 44 

6. Revenue Account and Abstract of New Life Business 49 

Shawing^i. Income and Outgo. 

2. Total Funds at the Beginning and at the End of the Year. 

3. Difference between the Totals of Income and Outgo. 

4. Abstract of New Life Business. 

5. Amount of Life Policies in force, as reported. 

7. Revenue Account — Totals reported 67 

8. „ American Life Offices 68 

9. Assessment and Natural-Premium Life Associations 70 

10. Share List of Insurance Companies 72 

11. Life Assurance— Comments and Summaries 75 

12. Balance Sheet— Liabilities and Assets 81 

13. ,, American Life Offices 99 

14. Valuation Extracts — Being Extracts from the Returns 

furnished in terms of the Fifth and Sixth Schedules 
appended to Life Assurance Companies Act 100 

15. Table showing the Annual Premium payable during Life, 

charged by the various Offices, for the Assurance of 
£iQo ON Healthy or Select Lives, With Profits ni 

16. Table showing the Annual Premium payable during Life, 

charged by the various offices, for the assurance of 
;^ioo ON Healthy or Select Lives, Without Profit ... 119 

17. Table showing the Annual Premium charged by the various 

Offices for Endowment Assurance of £100^ With Profits 122 

18. Table showing Amount of Annuity granted by the various 

Offices for ;£'ioo Consideration-Money . 126 

Digitized by VjOOQIC 



THE 

INSURANCE REGISTER 

•1899. 



ACCIDENT INSURANCE. 

HE accounts published in 1899 give the first formal Information as to 
le effect of "The Workmen's Compensation Act, 1897," upon Accident 
isurance Companies. The Act came into force in July, 1898, and as 
le accounts are, for the most part, made up to the end of December, the 
aims only cover a period of six months, while a large proportion of the 
remiums has paid for twelve months' insurance. For this reason it is 
ot possible to judge from the reports with any accuracy what the actual 
Kperience has been since the Act came into force. There are indications, 
owever, that the risks were . greatly over-estimated in marly cases, and 
mch lower rates have recently been quoted than generally prevailed in 
le middle of last year. 

The Act undoubtedly led to a great increase in Employers' liability 
usiness, but the risks were distributed among the offices in a very unequal 
lanner, some Companies reporting a very large increase of business, and 
thers showing a premium income scarcely at all in excess of previous 
ears. The anticipation of a large business being done induced many 
-ife and Fire Companies to establish Accident departments, with the 
esult that the list of offices on the following pages contains a large number 
f fresh names, and the number of offices will be still further extended 
lext year. 

The task of establishing new branches and developing fresh features 
tf the business has led to relatively little attention being paid to other 
lepartments of Accident business, and so far as can be judged these other 
tinds of Accident business yielded slightly less in premiums than in some 
previous years. Doubtless this comparative stagnation for a few months 
n\\ be followed in the near future by a fresh outburst of energy, and the 
levelopment of Accident business will be resumed with the success that 
ias been so conspicuous for the past few years. / r^r^r^i^ 

r ^ *^ ' Digitized by VjOOyiC 



\\' 



INSURANCE REGISTER. 





1 


TITLE. 


Date to which 

Accounts are 

made up. 


REVEld 


1 


Incomb. 


deducting 

Re. 
Insurances. 


Interest, 
Rent, &c. 


Other 

Receipt^ 






Accident, Employers' Liability, 














Fidelity Guarantee, Health, 














AND Other Branches. 




£ 


£ 


£ 


z 


1883 


Abstainers and General {Accid.Br,) 


31 Dec. *98 


242 


327 


261 


2 


1849 


Accident 


31 Dec. '98 


81,715 


3.298 


98 


3 




British Homes 


31 Dec. '98 


35»266 


1,698 


5,061 


4 


I881 


Builders* Accident 


31 Dec. *98 


30,947 


310 


1-87 


5 


1867 


Co'0^&[2Livfe {Fidelity Branch) ... 


31 Dec. *98 


1,589 


... 




6 


1898 


Employers' Indemnity 


31 Dec. *98 


7,245 


277 




7 


1886 


Employers* Liability Corporation... 


31 Mar. '99 


334,649 


13,468 


545' 


8 


1878 


Engine Boiler and Employers 


31 Dec. *97 


42,133 


1,324 




9 


1884 


/Equitable Fire and Accident! 
\ (Accident Branch) ... J 


31 Dec. *98 


24,113 


(Fire 


Departm'l 


10 


I89I 


General Accident (Perth) 


31 Mar. '99 


57,078 


2,588 


.97 


IZ 


1890 


Globe Accident 


31 Oct. *98 


45,751 


483 


453 


Z2 


189I 


Goldsmiths* and General Burglary... 


31 Dec. '98 


17,017 


444 


... 


13 




Guardian 


31 Dec. '98 


12,772 


II 




M 


1868 


Horse, Carriage and General 


31 Dec. '98 


34,021 


627 




IS 


1878 


Imperial Live Stock 


31 Dec. '98 


24,593 


612 


1,008 


z6 




Lancashire 


31 Dec. *98 


25,659 


... 




17 


1877 


Lancashire & Yorkshire 


31 Jan. *99 


43,222 


2,037 


5 


z8 


1892 


Law Accident 


31 Dec. *98 


113,034 


2,616 




19 


1888 


Law Guarantee and Trust 


31 Dec. '98 


75,099 


6,223 


114 


20 


I89I 


/Licenses Insurance Corporation | 
\ and Guarantee Fund, Ltd. ... J 


31 Dec. *98 


56,693 


2,590 


10 


2Z 


1888 


j Liverpool Mortgage Insurance \ 
) Company, Ltd. J 


31 Dec *98 


12,593 


2,260 


3 


22 


1881 


r London, Edinburgh & Glasgow ) 
\ {Health &» Accident Branch) \ 


31 Dec. '98 


13,227 


... 




23 


1869 


London Guarantee and Accident ... 


31 Dec. *97 


201,763 


11,093 






D 


gitized by VjC 


)ogle 




1 















ACCIDENT INSURANCE ABSTRACT. 



Outgo. 



Commb- 
sion and 
Agency 
Clutrges. 



£ 

66 

9,522 

7,963 

1,610 

69 

554 



8,4 
7,089 
4,765 
3,328 
861 
6,098 
4,240 
2,164 
4,727 
13,877 

6,229 

884 

2,321 



Expenses 

ofManage- 

ment. 


Other 
Outgo. 


Shaw- 
holders' 
Dividends. 


£ 


£ 


£ 


565 


86 


... 


15,424 


241 


5,000 


17,205 


879 




2,307 






370 




600 


2,072 


... 




t39,i24 


279 


15,000 


420 


6,215 


... 


16 


(Fire De 


partm'nt) 


18,101 


227 


4,270 


5,628 




840 


2,854 


... 




3,"5 




... 


6,239 


84 




5,282 


... 


746 


6,131 


... 


12,744 


12,517 


... 


3,000 


20,461 


... 


3,000 


22,077* 


308 


6,000 


12,365 




2,751 


3,569 


171 


... 


2,067 


572 


... 


86,304* 




3,125 



Bonus to 
Insured. 



£ 

32 
3.833 



2,013 



518 



1,859 
2,513 



1,276 



Funds, 
exclusive of 
Capital, at 

end of 

Year. 



£ 
732 

56,364 
22,405 

20.454 

II 15,602 

3,480 

233,121 

29,496 

11117,146 

44,712 

21,957 
5,428 

5,814 II 

2,185 

3,727 

♦336,090 

40,251 

48,132 

125,877 
38,563 
40,840 

6,131 
221,622 



Capital 
paid up. 



£ 
15,000 
50,000 
40,919 

Mutual 

II 10,000 

9,482 

150,000 

61,200 

11405,545 

45,500 
20,000 

7,871 
1,000,000 

",435 
12,834 

11272,986 
30,000 
50,000 

100,000 

72,536 

50,000 

11263,160 
75,000 



's.a 

u 



3997 
251 

32-58 

24*54 
19-54 
85-40 

38-29 

42-87 
31-33 
50-44 
23-43 
6074 
57-95 
i8-oi 
47-1 1 
55*93 
37-23 
42-18 
2976 

46-44 
4890 



Employers* Liability, — * Includes Commission. t Excludes Commission. 

Lancashire. — * Fire and Reserve Funds. 
II Funds and Paid-up Capital. — The Funds, or Paid-up Capital, pertaining to the Companies marked 
liable for other Departments of Insurance. Digitized by VjOO 






26074 
3053 
71-37 
12-66 

2763 
36-25 

tii-69 

34-90 

44-13 
22-72 

36-33 
31*13 
36-26 
38-72 
32-33 
3990 
3038 

29-40 

3280 

35*36 

33-17 



X 

2 

3 
4 
5 

6 

7 
8 

9 
xo 
II 
12 
13 
14 
15 
x6 

X7 
18 

X9 
20 
21 
22 



4277 23 



thus II, is 



4 




INSURANCE 


REGISTER. 










TITLE. 


Date to which 

AccounUare 

made op. 


REVENIl 


1 


Income. 


z 


Premioms, 
deducting 

Re. 
Insurances. 


Interest, 
Rent,&c. 


Other 
Receipt 


M 


1854 


Manchester Steam Users' 


31 Dec. *98 


£ 
13,290 


$, 


£ 

75 


25 




National Accident 


31 Dec. *97 


7,444 


365 




26 




National Boiler 


30 June *98 


32,352 


2,902 


4,554 


37 




National Burglary 


31 Dec. *98 


15,441 


577 


... 


28 


1863 


National Guarantee 


31 May*98 


8.999 


2,781 


15 


39 




National of Ireland 


31 Dec. *98 


5,773 


... 




30 


1882 


Northern Accident 


31 Dec. *98 


40,049 


1,389 


7 


31 


1856 


Norwich & London 


31 Aug. *98 


142,528 


7»342 




32 


1871 


Ocean Accident and Guarantee ... 


31 Dec. *98 


717,924 


17,365 


1,658 


33 


1886 


Palatine {Accident) 


31 Dec. *98 


47,337 


... 




34 




Patriotic 


31 Dec. *98 


10,174 




... 


35 


1891 


Pioneer 


31 Mar. *99 


833 


... 




36 


1876 


Provident Clerks* {Accident) 


31 Dec. *98 


19,260 


2,508 


... 


37 


1865 


Provident Clerks' {Fid. Guarantee) 


30 June *98 


25,858 


4,927 


2,490 


38 


1849 


Railway Passengers* 


31 Dec. *98 


255.903 


12,431 


... 


39 




Rock 


31 Dec. *98 


10,228 


... 




40 


1877 


Scottish Accident {Life 6x* Fidelity) 


31 Dec. *98 


51.321 


2,069 


2 


41 


1881 


/Scottish Boiler and Engine In-" 
\ spection, &c 


31 Dec. *98 


15,833 


894 




42 


1881 


Scottish Employers* Liability 


31 Dec. *98 


124,012 


2,454 


5 


43 


1881 


Scottish Life 


31 Dec. *98 


8,646 


2,692 


... 


44 


1876 


/Scottish Metropolitan {Accident 
\ Branch established i88g) 


31 Dec. *98 


33,361 


637 


5,737 


45 


.1883 


Scottish Temperance {Accident Br.) 


31 Dec. *98 


5,034 


1,331 


8 


46 


1885 


Sickness, Accident and Life 


31 Dec. '98 


40,944 


2,766 


S 


47 




Sun ... ^ 


31 Dec. *98 


60,446 


1,588 


... 


48 


1898 


Traders* Mutual 


31 Dec. *98 


6,475 


124 


1,805 


49 


1859 


Vulcan 


31 Dec. *98 


137,906 


7,702 


14 



Naiional Boiler. — * Losses include Expenses. 

National of Ireland. — t Fire and Reserve Funds. Palatine. — t Fire and Reserve Funds. 

Sickness^ Accident and Life, — * The abatement on Bonus to Assured is deducted from Premiums, 

not stated separately. 





ACCIDENT INSURANCE 


ABSTRACT. 






5 


:OUNT. 


Funds, 
exclusive of 
Capital, at 

end of 

Year. 


Capital 
paid up. 


§2 


S2 




Outgo. 


i 


ims,lcss 

Re- 

urance. 


Oommis- 
sion and 
Agency 
Charges. 


Expenses 
of Manage- 
ment. 


Other 
Outgo. 


Share- 
holders' 
Dividends. 


Bonus to 
Insured. 


2 


£ 
217 


£ 
II, 


£ 

754 


£ 
232 


£ 


£ 


20,839 


£ 

Mutual 


r63 


88^44 


24 


3,710 




4,889 


76 


... 


... 




10,200 


4984 


65-68 


25 


29.048* 


... 


... 


8,000 




... 


54,396 


45^000 


ii9-79 


... 


26 


7,612 


1,974 


3,873 


... 


... 




Si 565 


10,000 


4930 


37^87 


27 


1,062 


... 


3,240* 




2,000 


1,286 


35i8i2 


50,000 


:j-3o 


3600 


28 


2, 


422 


966 


... 


2,385 


... 


1 103,09s 


II 100,000 


4195 


1673 


29 


17,612 


5,769 


11,153 




... 


1,337 


291059 


20,000 


4398 


4^25 


30 


63,767 


15,867 


26,227 


... 


15,000 


5,266 


135,462 


lOO^OOO 


4474 


29'53 


31 


54,757 


90,772 


68,561 


9,310 


16,148 




669,687 


132,240 


4941 


22*19 


32 


23,125 


9,163 


8,421 


... 


6,628 


... 


+ 317,458 


II 27^,064 


48-85 


3714 


33 


1,700 


3, 


096 


... 


... 


... 


5.378 


II 1^8,935 


1671 


3043 


34 


242 


94 


259 


... 




... 


827 


II 4t,724 


2905 


42-38 


35 


7,058 


2,572 


3,167 




4,375 


... 


53.604 


20,000 


3665 


29-80 


36 


7,331 


1,720 


6,536 


402 


11,625 




59.495 


60|000 


2S-3S 


31-93 


37 


39,322 


29,568 


29,813 


1,132 


40,000 


15,698 


143,773 


200,000 


54'44 


23"30 


38 


1,837 


2, 


851 








S.S40 II 


1.041.379 


1796 


37S7 


39 


23,345 


6,374 


12,398 


476 


2,500 


3,834 


43.353 


II 25*000 


45 49 


3658 


40 


7,111 


1,166 


3,356 




2.856 




16,655 , 


14,278 


44-91 


28-56 


41 


76,136 


19,282 


20,843 




... 


... 


SS,7S8 


15,000 


6^39 


13236 


42 


3,983 


1,168 


3,031 


... 


3,250 


449 


16,253 


II 50,000 


4607 


4857 


43 


12,575 


6,653 


16,668 


... 


1,000 


2,111 


^.^n 


II Sojooo 


3769 


69^90 


44 


1,692 


572 


1,277 


19 


1,250 


288 


9,356 


II 25,000 


33"6i 


3673 


45 


16,860 


4,028 


9,710 


231 


1,062 


* 


66,337 


II 16,10a 


4118 


33'55 


46 


8,699 


5,874 


8,546 


... 


... 


... 


59.787 


1! 360,000 


U19 


23^86 


47 


1.327 


669 


2,395 




... 


... 


4,013 


10,000 


20'49 


4732 


48 


89,304? 


i 


16,576 


... 


11,250 






'■■ 


6476 


I2XJ2 


49 



^^nds and Paid-up Capital.— Tht Funds, or Paid-up Capital, pertaining to the Companies marked thus |i, is liable 
for other Departments of Insurance. C^ r^r^r-i\r> 

Digitized by VjOOQIC 



INSURANCE REGISTER. 



FIRE INSURANCE. 

The accounts received in 1899 show results of somewhat Id 
satisfactory nature than in recent years. The losses averaged 60 per cen! 
of the premiums as compared with 56^ per cent, in 1898, 56 per cent, ii 
1897, and 56^ per cent, in 1896. The results are, however, better tha 
they were in 1894, 1893, and 1892, as may be seen from the figure 
tabulated on pages 10 and 11. 

The premiums received exceeded 19 J millions, and are slightly i 
excess of any previous year. The nearest approach to the latest figure 
having been reported are in 1896. 

The expenditure shows an appreciable increase; it is about hai 
I per cent, in excess of 1898, and appreciably higher than in an 
previous year. The Fire Companies seem to be devoting attentia 
to this matter, and it may be expected that the figures reported nei 
year will exhibit an appreciable deduction in expenditure. 

In 1898 the losses and expenses together absorbed 94J per ceni 
of the premium income, a proportion which is only exceeded by the tw 
years 1893 and 1894, which were notoriously bad ones for Fire Insuranc 
Companies. 

The interest on the Fire funds cannot in all cases be ascertained, a 
it is sometimes included with interest on other funds; if the interest c 
others is included the total is too high, and if, in avoiding this error, th 
item of interest is altogether omitted, the total is too low. A compik 
obviously cannot take the liberty of concocting accounts for the offic( 
by apportioning interest in proportion to the various funds, and henc 
some error in this connection is practically inevitable. 

Following the practice adopted in previous issues of the Regista 
the following tabular statement is presented, showing the ratio to losse 
to premiums that are less than 5 1 per cent, and graduating by percentage 
of 5 per cent. 

Digitized by VjOOQ IC 



FIRE INSURANCE. 



PERCENTAGE OF FIRE LOSSES TO PREMIUMS, 

AS REPORTED IN 1899. 



Per cent. 


Number of 
Compsuiies. 


Premiums. 


Las.es. 


Average 
Ratio. 


Under 51 
51 to 56 
56 to 61 
61 to 66 
66 to 71 
71 and upwards 


12 

A 

10 

4 

I 


£ 

604,787 

918,671 

12,059,030 

4,267,480 

1,115,926 

304,188 


£ 
263,772 

496,873 
7,074,180 

2,709,763 
754,622 

218,045 


43-61 
54-09 
58-66 

71-68 


^^Ecclesiastical 
Buildings 


}^ 


19,270,082 
28,429 


11,517,255 
17,011 


59-77 


Percentage, &c. 


49 


19,298,5" 


11,534.266 


... 



For the purposes of comparison we give in the annexed table the 
umber of companies experiencing losses at different ratios. 





Under 61 % 


51-56 % 


58-61% 


61-66% 


66-71% 


Over 71 % 


Reported 
in 


No. of 
Com- 
panies. 


Average 
Ratio. 


No. of 
Com- 
panies. 


Average 
Ratio. 


No. of 
Com- 
panies. 


Average 
Ratio. 


No. of 
Com- 
panies. 


Average 
Ratio. 


No. of 
Com- 
panies. 


Average 
Ratio. 


No. of 
Com. 
panies. 


Average 
Ratio. 


1893 
1894 

1897 
1898 
1899 


!l 

24 
29 
22 
12 
12 


427 
42-8 
47-9 

46-3 

33-1 
44-6 
43-6 


3 

2 

9 
II 
II 
12 

5 


52-9 

54-5 

54-8 
54-0 
54-8 
54*1 


4 

5 

13 

II 


58-3 
59*4 
58-6 
58-6 

58 X) 
587 


7 
7 

I 

i 

10 


64-1 
64-9 
63-8 
64-0 
63-6 
614 
635 


14 
10 

2 
2 
2 

4 


66-6 

69-7 
692 
67-6 


12 
II 

2 

2 
I 


7|-3 

717 



From this it will be seen that the number of companies that reported 
leavy losses in 1899 ^s considerably larger than usual. 

The bad results of 1893 and 1894 were followed by more careful 
selection of risks, and by a revision of rates in cases where this was 
supposed to be necessary, and it may be expected that the same course 
^\\\ now be adopted, with an appreciable improvement in the figures in 
the near future. 



Digitized by 



Google 



8 


INSURANCE 


REGISTER. 








TITLE AND DATE 

OF 
ESTABLISHMENT. 


Year ending 


Funds at 
bei^inning 

exclusive of 
Capital. 


INCOME. J 


1 


Premiums, 

less 

Re-insuranoe. 


Interest 

and Fees, 

less 

Income Tax. 


Other 
Receipts. 




TJu initials aPftndtd to TitU denote the following 
branches of Insurance also undertaken:— iKS 
Accident, (b) Burglary, (f) Fidelity, (l) Life, (m) 
Marine; and the /nitial(N)indicates Non- Tariff.^ 












£ 


£ 


£ 


£ 


I 


Alliance (l) 1824 


31 Dec. '98 


887,373 


543,729 


50,906 




2 


Atlas (L) 1808 


31 Dec. *98 


460,464 


389,644 


16,271 


4,458 


3 


Bolton Mutual (n) ... 1876 


24 June '98 


137,147 


9,274 


5,140 


... 


4 


British Law 1888 


31 Dec. '98 


31,101 


58,478 


3,846 


556 


5 


•Bute(N) 1873 


31 Dec. '97 


2,871 


370 


174 




6 


Caledonian (L) 1805 


31 Dec. *98 


534,478 


378,872 


20,765 


3,527 


7 


Commercial Union (L m) 1 86 1 


31 Dec. '98 


1,136,460 


1,092,823 


36,270 




8 


Congregational 189 1 


15 July '98 


I,£I0 


2,291 


76 


... 


9 


Co-operative (L F) ... 1867 


31 Dec. '98 


48,169 


16,310 


2,276 




10 


County 1807 


31 Dec. '98 


380.519 


283,545 


22,307 


... 


II 


Eastern Counties (8 mos.) 1890 


31 Dec. *98 


33,372 


110,312 


901 


... 


12 


Ecclesiastical (A B) ... 1887 


24 Mar. '99 


30,123 


28,429 


2,665 


... 


13 


Equitable (a) 1873 


31 Dec. '98 


96,196 


214,459 


5,154 


4,451 


14 


Essex & Suffolk Equitable 1802 


31 Dec. *98 


151,074 


30,051 


4,167 


... 


15 


Fine Art &Genl.(ABFN) 1890 


31 Dec. *98 


16,868 


56,105 


1,439 


328 


i6 


Guardian (a L) 1821 


31 Dec. '98 


633,194 


363,881 


59,310 


... 


17 


Hand-in-Hand (l) ... 1696 


31 Dec. '98 


1,628,338* 


109,150 




S21 


i8 


Imperial 1803 


31 Dec. '98 


1,353,868 


612,545 


54,088 


... 


19 


Kent 1802 


25 Mar. '99 


209,703 


85,971 


9,097 


... 


20 


Lancashire (l) 1 852 


31 Dec. '98 


321,231 


705,788 


13,122 


12,745* 


21 


Law 1845 


31 Dec. *98 


191,661 


151,816 


8,209 


4,184 


22 


Law Union & Crown (a L) 1854 


31 Dec '98 


181,657 


137,909 


23,407 


... 


23 


Lion 1879 


31 Dec. '98 


98,885 


190,333 


6,946 


3,574 


24 


Liver. &Lon.& Globe (L) 1836 


31 Dec. '98 


3,435,901 


1,500,793 


173.613 


102,341 


25 


London & Lancashire ... 1862 


31 Dec. '98 


1,007,285 


836,497 


37,529 


... 


26 


London Assur. Corp. (L M ) 1 720 


31 Dec. *98 


1,124,123 


376,017 


50,228 


15,909 


27 


Manchester 1824 


31 Dec. '98 


571,901 


831,217 


26,256 


5,913 


28 


National of Ireland (al) 1822 


31 Dec. *98 


113,504 


304,188 


6,832 


2,624 


29 


N.British&Mercantik(L) 1809 


31 Dec. '98 


2,743,820 


1,424,258 


108,535 


... 


30 


Northern (l) 1836 


31 Dec. *98 


1,436,924 


681,789 


55,319 


... 


31 


Norwich Union 1797 


31 Dec. '98 


1,092.237 


941,011 


36,965 


... 


32 


Palatine (a) 1886 


31 Dec. *98 


236,354 


663,465 


13,638 


55,348 


33 


Patriotic (L) 1824 


31 Dec. *98 


63,073 


150,319 


5,249 




34 


Phoenix 1782 


31 Dec. '98 


1,243,056 


1,133,495 


45,749 


... 



Bute.—* Now merged in State Fire. 

Congregational. — * Risks re-insured and expenses. 

Hand-in-Hand.—* General Accumulated Fund (Fire and Life). t Bonus returns.^ 

Lancashire.—* Transfer from Employers' Liability Department. 







FIRE ] 


[NSURANCE . 


ABSTRACT. 






9 


OUTGO. 






1 Percentage of 
Losses to 
Premiums. 


\^\ 




Losses. 

less 

Re-insurance. 


Com- 
mission. 


Expenses 
of 


Other 

Expenditure, 

including 

Loss or 

Depreciation. 


Shareholders' 
Dividends, or 
transferred to 
Profit & Loss 
Account. 


Funds at end 
of Year, 

exclusive of 
Capital. 


Capital 
Paid up, or 
Increased by 

Bonus. 


i 

a 

9 
2 


£ 


£ 


£ 


£ 


£ 


£ 


£ 








304,651 


80,016 


116,603 


3,066 


100,000 


877,672 


II 550,000 


5603 


3616 


I 


235,744 


70,353 


65,316 


2,371 


28,800 


468,253 


II 144,000 


60*50 


34-82 


2 


82 


... 


713 


... 


5,486 


145,280 


5,755 


•88 


7-69 


3 


21,689 


8,755 


19,393 


44 


3,000 


41,100 


100,000 


37-09 


48-13 


4 


18 


64 


93 


... 


249 


2,991 


2,000 


4-86 


42-43 


5 


241,007 


68,940 


69,869 


3,582 


30,100 


524,144 


II 107,500 


6361 


36-64 


6 


617,799 


155,904 


208,338 


333 


80,000 


1,203,179 


II 250,000 


56-53 


33*33 


7 


1,803* 


... 


... 


80 


61 


1,633 


1,213 


... 


... 


8 


4,609 


2,180 


3,251 


87 


600 


56,028 


II 10,000 


2826 


33-30 


9 


134,585 


36,244 


61,109 


370 


38,184 
36,136* 


379,743 


254,560 


47*47 


34-33 


10 


1 74,565 


24,733 


8,492 


54 


1,444 


35,297 


39,552 


67-59 


30-12 


II 


' 17,011* 


... 




4,000 


1,250 


38,956 


25,000 


59-84* 


... 


12 


. 122,863 


64,764 


10,085 




5,402 


117,146 


II 81,109 


57*29 


34-90 


13 


18,038 


3,412 


4,276 


11,319 


140 


148,107 


2,000 


60 '02 


25-58 


14 


36,363 


212 


16,917 


142 


1,800 


19,306 


36,770 


64-81 


30-53 


15 


209,192 


49,450 


76,196 


47 


80,000 


641,500 


111,000,000 


57*49 


34-53 


16 


63,600 


11,060 


24,153 


115,880 


ii,i59't 


1,512,457 


Mutual 


58-27 


32-26 


17 


384,984 


"4,745 


112,957 


441 


75,000 


1,332,374 


300,000 


62-85 


37-17 


18 


38,037 


12,629 


18,612 


1,080 


16,160 


218,253 


101,000 


44*24 


36-34 


19 


445,233 


125,690 


128,811 




17,062 


336,090 


II 272,986 


63-08 


36-06 


20 


103,451 


20,227 


27,520 


... 


43,750 


160,922 


125,000 


68-14! 31-45 


21 


59,474 


22,079 


24,056 


... 


52,463 


184,901 


373,360* 


43*13 33*45 


22 


131,163 


40,650 


31,232 


134 


3,360 


93,199 


112,014 


68-91 37*77 


23 


i 860,760 


255,871 


286,078 


47,972 


221,076 


3,540,891 


II 245,640 


57*35 36-11 


24 


493,628 


134,041 


173,811 




51,060 


1,028,771 


II 212,750 


59-01 3680 


25 


221,683 


62,990 


73,580 


290 


89,655 


1,118,079 


II 448,275 


58-96 i 36-32 


26 


525,176 


148,878 


144,741 


11,144 


30,000 


575,348 


200,000 


63-18 


3532 


27 


218,045 


60,837 


38,618 


1,553 


5,000 


103,095 


II roo,ooo 


71-68 


32-70 


?8 


1 853,995 


240,397 


250,209 


1,553 


165,000 


2,765,459 


II 687,500 


59-96 34-45 


29 


370,130 


98,855 


140,829 


8,698 


90,000 


1,465,520 


II 300,000 


54-29 35-16 


30 


569,833 


190,178 


128,889 


19,022 


55,000 


1,107,291 


132,000 


6056 1 33*91 


31 


445,443 


174,731 


67,716 


43,057 


20,400 


217,458 


II 272,064 


67-14 


36-54 


32 


95,790 


31,957 


16,082 


2,899 


5,947 


65,966 


118,935 


63-72 


31-96 


33 


678,313 


263,546 


95,819 


4,494 


94,108 


1,286,020 


268,880 


59-84 


31*70 


34 



County.—* Bonus returns. Ecclesiastical,—* Losses include Expenses. 

Law Union and Crown.—* Includes Debenture Capital, ;£a83,36o. 
\ Paid-up Capital,— Tht Capital paid up, pertaining to the Companies marked thus |], is liable for other Departments 

of Insurance. 



lO 


INSURANCE 


REGISTER. 








TITLE AND DATE 

OF 
ESTABLISHMENT. 


Year ending 


Funds at 

exclusive of 
Capital. 


INCOME. 1 


g 


Premiums, 

less 

Re-insuxance. 


Interest 

and Fees, 

less 

Income Tax. 


Other 
Receipts. 


55 


Primitive Methodist ... 1866 


31 Mar. '99 


26,621 


2,280 


930 


I 


36 


Royal (L) 1845 


31 Dec. '98 


3,450,777 


2,003,566 


109,679 


1,067 


37 


Royal Exchange (A L m) i 720 


31 Dec. '98 


943,558 


384,842 


64,083 




38 


Scottish Alliance (A) ... 1888 


31 Dec. *98 


62,024 


155,463 


6,231 


83,576 


39 


Scottish General ... 1895 


31 Mar. '99 


2,071 


7,481 


429 


350 


40 


Scot. Un. & National (L) 1824 


31 Dec. '98 


598,465 


535.521 


36,798 




41 


State 1891 


31 Dec. '98 


56,367 


70,061 


3,245 




42 


Sun (A) 1710 


31 Dec. *98 


2.003,931 


1,029,595 


74,856 


1,127 


43 


Union (l) 1714 


31 Dec. *98 


462,246 


456,808 


34,732 


21,273 


44 


Welsh Baptist 1888 


30 June '98 


1,187 


304 


30 




45 


Welsh Calvinistic ... 1886 


31 Mar. *99 


3,609 


574 


116 




46 


Wesleyan Method. Trust 1872 


15 July '98 


61,636 


6,820 


2,016 




47 


Westminster 17 17 


30 Sept. '98 


284,507 


• 101,666 


6,800 


* 


48 


West of Scotland ... 1886 


31 Dec. '98 


18,224 


16,880 


1,224 




49 


Yorkshire (A L) 1824 


28 Feb. '99 


264,094 


111,516 


10,500 






Totals 


... 


29,873,457 


19,298,511 


1,258,118 


324,172 




Totals as reported in 1888 ... 






19,121,631 


12,724,221 


898,008 


"4,775 




1889 ... 






19,842,084 


12,926,941 


920,054 


68,772 




1890 ... 






22,446,057 


15,053,854 


1,058,283 


168,487 




1891 ... 






24,780,770 


16,009,641 


1,149,820 


90,960 




1892 ... 






24,517,155 


17,540,701 


1,161,082 


260,530 




1893 ... 






25,077,652 


19,092,503 


1,080,038 


184,826 




1894 ... 






23,943,060 


18,881,861 


1,152,865 


126,635 




1895 ... 






24,280,046 


19,211,897 


1,149,521 


14,459 




„ 1896 ... 






25,720,124 


19,295,762 


1,098,476 


37,052 




1897 ... 






26,699,894 


18,870,920 


897,048* 


3,015 



Primitive and Wesleyan Methodist,—* Grant. 

Digitized byA^jOOQlC 









FIRE INSURANCE ABSTRACT. 






II 








OUTGO. 




Funds at end 
of Year, 

exclusive of 
Capital. 


Capital 

Paid up, or 

Increased by 

Bonus. 


"^o • 


til 




1 


Losses, 

less 

Re-insurance. 


Com- 
mission. 


Expenses 

of 

Management 


Other 

Expenditure, 

including 

Loss or 

Depreciation. 


Shareholders' 
Dividends, or 
transferred to 
Profit & Loss 
Account. 


1 






^..s 


125 


£ 

337 


£ 
1,6x7* 


£ 


£ 
27,624 


£ 
50 


5-61 


19-69 


35 




1,167,665 


278,008 


416,981 ; ... 


237,945 


3,464,490 


II 375,702 


58-28 


34-69 


36 




249,683 


59,936 


68,704 13,114 


96,491 


904,555 


II 689,220 


64-88 1 33*43 


37 




100,072 




49,798 


5,250 


152,174 


100,000 


64-37 


3203 


38 




3,252 


1,104 


1,980 210 


400 


3,385 


20,000 


43-47 


41-22 


39 




339,719 


98.133 


86,380 349 


52,500 


593,703 


II 300,000 


6344 


34-45 


40 




41,573 


11,099 


15,436 3,700 


3,500 


54,365 


70,000 


59-34 


37-87 ; 41 




614,843 


169,147 


188,596 ; 5,705 


102,000 


2,029,218 


120,000 


59-72 j 34-75 


42 




291,736 


87,957 


68,938 ; 2,892 


45,000 


478,536 


II 180,000 


63-86 


34-35 


43 






44 


24 1 ... 


9 


1,444 


234 


... 


22-37 1 44 




95 




72; 3 


20 


4,109 


484 


16-55 12-54 


45 




3»6o3 


178 


1,125 


1,300* 


62 


64,204 


1,250 


52-83 


19-11 


46 




55,085 


10,216 


31,154 


• 


14,2611 


282,257 


• 


54-18 


40-69 


47 




8,657 


2,741 


2,162 




1,744 


21,024 


21,800 


51-29 


29-05 


48 




59,398 


14,140 


23,825 


331 


22,500 


265,916 


II 50,000 


53-26 


34-04 


49 




ii,S34»2« 


3»307,2i6 


3,399,876 


3x2,953 


2,040,534 


30,159,433 


8,908,603 


5977 


3475 






7,529,789 


2,017,927 


1,927,560 


106,008 


1,291,382 


19,858,872 


8,308,569 


59-17 


31 






7,399,341 


2,056,813 


1,994,120 


161,325 


i,5",377 


20,842,517 


8,337,578 


57-27 


31-33 






8,870,922 


2,260,499 


2,480,849 


"8,532 


1,698,914 


23,180,135 


8,409,667 


58-92 


31-49 




9,234,487 


2,591,674 


2,446,813 


152,989 


1,866,748 


25,623,067 


8,451,408 


57-67 


31-47 






10,783,480 


3,157,833 


2,500,276 


148,488 


1,937,178 


25,456,950 


8,569,600 


61-47 


32-25 






12,773,497 


3,097,435 


3,013,927 


320,978 


1,665,010 


24,751,195 


9,022,628 


66-90 


32 






12,987,636 


2,905,323 


3,099,268 


183,524 


1,476,249 


23,384,784 


8,831,672 


68-78 


31-79 






10,961,643 


2,988,587 


3,178,341 


210,205 


1,624,143 


25,695,707 


8,813,931 


57-03 


32-12 






10,931,476 


3,252,575 


3,002,938 


152,766 


1,791,102 


26,793,585 


8,797,429 


56-65 


32-41 






10,596,179 


2,892,530 


3,136,769 


28,087 


1,952,699 


28,160,573 


8,822,486 


56-15 


31-95 





Westminster.—* Items not obtainable. t Amount to Balance Account. 
II Paid-up Capital.— Thit Capital paid up, pertaining to the Companies marked thus ||, is liable for other Departments 



of Insurance. 



Digitized by 



Ljoogle 



12 INSURANCE REGISTER. 



INSURANCE DIRECTORY. 



Comprising TitUy Date of Establishment y BusinesSy Principal Offices and Branches^ 
Telegraphic Addresses, Board Days, and Principal Officers. 

ABERDEEN AND NORTHERN Friendly Society. Established 1862. ^«jt«m— Industrial 
Life and Endowment Insurance. Head Office — 213, George Street, Aberdeen. Board Day— 
Monday, 7.30 p.m. Chairman — Robert W. Wishart. Treasurer (5r* Manager— ]zmss 

F. MThail Massie. Secretary— J Simes Robertson. Actuary — Reuben Watson, a.i.a. 
Auditors^zmes Meston & Co., C.A. 

ABSOLUTE LIFE Assurance Company, Limited. Established 1894. Business— l^t 
Assurance. Head Office — 32, Cockspur Street, Charing Cross, S.W. Chairman— ^vl 
Benjamin Stone, M.P. Secretary — Henry R. Pope, F.S.S. 

ABSTAINERS AND GENERAL Insurance Company, Limited. Established 1883. 
(Formerly Blue Ribbon ; title changed 1890). Business — Life (Ordinary and Industrial) and 
Accident Insurance. Head Office — City Buildings, Birmingham. Board Day — Friday. 
Chairman — Alderman William Henry Hart, j.p. Secretary — R. A. Craig, A. I. A. Assistant 
Secretary — H. T. Greening. London Offices — 42, Hampton Road, Forest Gate, E. ; 
3, Woodside, Ewell Road, Surbiton; 18, Wakeman Road, W. Auditors — R. L. Impey, 
Cudworth & Lake-Smith, c.A. Solicitors — Coleman, Springthorpe, Holcroft & Tiemay, 
Colmore Row. 

ACCIDENT Insurance Company, Limited. Established 1849 (Remodelled 1866). Business— 
Personal Accident and Disease, Plate Glass, Fidelity Guarantees, Employers* Liability, 
Workmen's Compensation, Burglary. Head Office — 10, St. Swithin's Lane, E.C. Board 
Day — Tuesday, 1.30 p.m. Chairman — H. Currey. Secretary — Thos. Potter. Auditors— 
E. W. Brabrook, c.B. ; Chas. Fox, c.A. Medical Officer — Alfred H, Smee, m.r.c.s. 

ALLIANCE Assurance Company. Established 1824. Business — Life, Fire, Hail and Leasehold 
Insurance. Head Office — Bartholomew Lane, E.C. Board Day — Wednesday, 12.40 p.m. 
Chairman — Rt. Hon. Lord Rothschild. Chief Secretary — Robert Lewis. Assistant Secretaries— 
David Mirylees; Phineas Myers. Actuary — Marcus N. Adler, M.A. Assistant Actuary— 
George J. Lidstone. Branch Offices — i, St. James's Street, S.W. ; 3, Mincing Lane, E.C.; 
3, Norfolk Street, Strand, W.C. ; 64, Chancery Lane, W.C. ; i, Great George Street, 
Westminster ; 24, Wigmore Street, W. Auditors— ]olm Cator ; V. C. W. Cavendish, M.P.; 
Ian Murray Heathcote Amory ; Hon. Lionel Walter Rothschild. Medical Officers — P. H. 
Pye-Smith, M.D., f.r.s., 48, Brook Street, W. ; G. Newton Pitt, M.D., 15, Portland 
Place, W. Solicitors — Dawes & Sons, 9, Angel Court, E.C. Telegraphic Address— 
SociETATE, London. 

ALLIANCE MARINE AND GENERAL Assurance Company, Limited. Established 
1824. Business — Marine Insurance. Head Office — Capel Court, E.C. Board Day— 
Wednesday, 12.15 P-J^* President — Right Hon. Lord Rothschild. Secretary — Douglas 
Owen. Underwriter— YA^2x^ W. Nicholls. Auditors — Benj. L. Cohen, M.P.; W. Douro 
Hoare; Hon. Lionel Walter Rothschild. Telegraphic Addresses — Almarine, London; 
Almarine, Liverpool; Oviparous, Sydney, N.S.W. ; Almarine, Christchurch, N.Z. 

ATLAS Assurance Company. Established 1808. Business— Tixt^ and Life Insurance. Head 
Office— ()2y Cheapside, E.C. Board Z>a>/j— Tuesday and Friday. Chairman— Ch2cc\cs A. 
Prescott. General Manager 6- Secretary— S^imX, ]. Pipkin. Sub-Manager df Assistant 
Secretary— Alfred W. Yeo. Actuary— Robert Cross. West End Branch— ^^ Pall Mall 
East; F. T. St. John, Branch Manager, Auditors— Trice, Waterhouse & Co., C.A. 
Medical Officer— ^yxxXjoxi Shillitoe, F.R.C.S., Frederick's Place, Old Jewry, E.C. Solicitors- 

G. F. Hudson, Matthews & Co., 32, Queen Victoria Street, E.C. Telegraphic Addrtss- 
Atlas, London. 

Digitized by LjOOQ IC 



INSURANCE DIRECTORY. 13 

AUSTRALIAN MUTUAL PROVIDENT Society. EstablUhed 1849. Head Office— 
87, Pitt Street, Sydney. General Manager &* Actuary— Kichzxd Teece, F.i.A., f.f.a. 
Secretary — Robert B. Cameron. London Agents — Henry S. King & Co., 65, Comhill, E.C. 

BANKERS' GUARANTEE AND TRUST FUND. EstablUhed 1865. Business— 
Fidelity Guarantee, Bank Employes Insurance. 94, Gracechurch Street, E.C. Board 
Day — 1st and 3rd Fridays in the month. Secretary^ ohn A. Allan. 

BATH AND WEST OF ENGLAND. Established 1872. Business— FlsXe and other Glass 
Insurance. Ifead Office— ^^ Paragon, Bath. Board Day— Alt, Thursday. Chairman — 
S. G. Mitchell. Secretary— Vf. J. Long. 

BLACKBURN PHILANTHROPIC BURIAL Society (F. S.). Established 1839. Head 
Office — King Street, Blackburn, President — Elijah Holt. Secretary — Abraham Culshaw. 
7r(tfAf«r^— Edward ChisnalL Actuary — Edward J. Famworth, F.S.A. Auditors — Richard 
Ibbotson and Wm. Porter. 

BLACKBURN PHILANTHROPIC MUTUAL Assurance Society (F. S.). Established 
1863. Head Office— %, Heaton Street, King Street, Blackburn. President— John Haworth. 
Secretary— Richard McNeall. Treasurer-^. S. Livesey. Auditors— John Ibbotson & Co. 

BLACKBURN PLATE GLASS Insurance Company, Limited. Established 1886. Business— 
Insurance of all kinds of Glass. Head Office — I, Richmond Terrace, Blackburn. 
^^ard?Z>ay— 1st Friday in the month. Chairman — W. H. Cunliffe. Secretary — E. J. Bullough. 
Telegraphic Address— BuhLOVGH, Blackburn. 

BOLTON COTTON TRADE MUTUAL FIRE Insurance Company, Limited. Established 
1876. Business — Fire Insurance. Head Office — 12, Acresfield, Bolton, Lanes. Chairman — 
John Harwood, j.p. Secretary — P. Kevan. 

BRADFORD PLATE GLASS MUTUAL Insurance Company, Limited. Established 1874. 
Business — Plate and other Glass Insurance. 41, Sunbridge Road, Bradford. Chairman — 
Robert Owthwaite. Secretary — Wm. Allan. 

BREWERS' AND GENERAL Fire Insurance and Guarantee Corporation, Limited. 
Established 1892. Business — Fire Insurance and Guarantee. Head Office — 92, Cannon 
Street, E.C. General Manager— C. G. McCarthy. Secretary — P. M. James. 

BRITISH AND FOREIGN MARINE Insurance Company, Limited. Established 1863. 
Business — Marine Insurance. Hecui Office — 5, Castle Street, Liverpool. Chairman — Thomas 
Chilton. Underwriter — John Da^^ies. Secretary — Arthur McNeill. London Office — 31, 
Comhill, E.C. Underwriter — T. J. Storey. London Secretary — Thomas Davis. Auditors — 
J. Merrett Wade; D. L. Chalmers; Andrew Callender. Solicitors— Sion^y Fletcher, Hull 
& Stone, Liverpool Telegraphic Address — Elysium, Liverpool; FiDUCiA, London. 

BRITISH AND IRISH PLATE GLASS Insurance Company, Limited. Established 1880. 
Business — Plate Glass Insurance. 33, Com Street, Bristol Chairman — H. Thomas, j.P. 
Secretary — H. L. Riseley. 

BRITISH EMPIRE MUTUAL LIFE Assurance Company (with which is incorporated the 
Positive Government Security Life Assurance Company, as from ist January, 1896). 
Established 1847. Business — Life Insurance and Annuities. 4 & 5, King William Street, 
E.C. Board Day — Tuesday, 4.30 p.m. General Manager (5r* Actuary — Gerald H. Ryan, 
F.I.A. Assistant Actuary — E. R. Straker, F.I.A. Assistant Secretary — ^J. R. Turner. 
Auditors — Henry Spain, f.c.a.; Charles James Fox, f.c.a. Medical Officers — Fredk. T. 
Roberts, M.D., F.R.C.P. ; Hector W. G. Mackenzie, m.d., f.r.cp. Solicitors — Watson, 
Sons & Room ; Blount, Lynch & Petre. Telegraphic Address — Bemlac, London. 

BRITISH EQUITABLE Assurance Company. Established 1854. Business— Uit Insurance. 
I, Queen Street Place, E.C. Board Day — Wednesday, 1.30 p.m. Chairman — Edward B. 
Underbill. Manager— John W. Fairey. Auditors — H. M. Carter, f.s.a.a. ; Robert Rae; 
G. L. Belsey. Maiical Officers — Alfred P. Gould, f.r.c.s., m.s.b.s., 10, Queen Anne Street, 
Cavendish Square; William Clapton, F.R.C.S., 27, Queen Street, E.C. Solicitors — Henry 
Gover & Son, 3, Adelaide Place, London Bridge. , . 

Digitized by VjOOQ IC 



14 INSURANCE REGISTER. 



BRITISH LAW FIRE Insurance Company, Limited. Established 1888. Business— Fire 
Insurance. 5, Lothbury, Bank, E.C.; 16, Cockspur Street, S.W.; and Branches throughout 
the country. Board Day — Wednesday. Chairman — Henry Turton Norton. Manager &> 
Secretary — H. Foster Cutler. Auditors — Turquand, Youngs & Co. Solicitors — Baker, 
Blaker & Hawes, 117, Cannon Street, E.C. Telegraphic Address — I nstauro, London. 

BRITISH LEGAL LIFE Assurance and Loan Company, Limited. Established 1863. 
Business. — Industrial Life Insurance and Endowments. I, Richmond Street, Glasgow. 
Chairman — John Cairns. Actuary — ^James Meikle. Manager — ^J. Steel Fisher. Telegraphic 
Address — Thrift, Glasgow. 

BRITISH NATURAL- PREMIUM PROVIDENT Association, Limited. Established 
1891. Business — Life Assurance and Tontine Investment Policies on the Natural-Premium 
System. Head Office — 7, King Street, Cheapside, E.C. General Manager &* Secretary— 
W. H. Hayward. Auditors — Clough, Armstrong & Ford. Consulting Physician — J. Mitchell 
Bruce, M.D., f.r.c.p. Medical Officer— T, T. Reynolds, M.D. Solicitor— T, L. Down. 
Telegraphic Address — Contribute, London. 

BRITISH WORKMAN'S AND GENERAL Assurance Company, Limited. Established 
1866. Business — Ordinary and Industrial Life Insurance and Endowments. Hecui Office— 
Broad Street Comer, Birmingham. Board Day — Thursday, 2.45 p.m. Chairman — F. T. 
Jefferson, J.P. Secretary — S. J. Port. Central London Offiice—2 & 3, West Street, Finsbury 
Pavement. Telegraphic Address — Onward, Birmingham. 

BUILDERS' ACCIDENT Insurance, Limited. Established 1881. ^««ww— Employers' 
Liability to Workmen and the Public for Accidents. Chief Office — 31 & 32, Bedford 
Street, Strand, W.C. Board Day—2rA Thursday. CAatVwaw— Stanley G. Bird. 
Secretary — R. S. Henshaw. Liverpool Office — 6, Lord Street. J. A. S. Hassall, Resident 
Secretary. Board Day — ist Tuesday. 

BUTE Insurance Company, Limited. Established 1873. Business — Fire Insurance. Local Risks 
only. 15, Castle Street, Rothesay. Chairman — Donald McMillan. Secretary — Adam D. 
Macbeth. 

CALEDONIAN Insurance Company. Established ("/Vr^^ 1805; (Life) 1833. Business— F'm 
and Life Insurance and Annuities. Ifead Office — 19, George Street, Edinburgh. Board 
Day — Tuesday, 2.45 p.m. Manager ^ Actuary — D. Deuchar, f.i.a., f.f.a. Secretary— 
D. J. Surenne, f.f.a. Fire Superintendent — ^J. Cowan. Assistant Secretary — A. D. L 
Tumbull, C.A., f.f.a. London Offices — 82, King William Street, E.C. Charles Lees, 
Secretary, ^^fj/^wflT— 14, Waterloo Place. Axihm 'Lz.yiioxij Secretary, Auditor — Hon. F.J. 
MoncreifF. Medical Officers — Edinburgh : P. H. Maclaren, m. d. London : Dr. H. Selfe 
Bennett. Solicitors — Edinburgh: R. B. Ranken, w.s. London: Preston, Stow & Preston. 
Telegraphic Addresses — Caledon, Edinburgh; Caledonian, London; and Magnanimous, 
London, for West End Office. 

CALEDONIAN PLATE GLASS Insurance Company, Limited. Established 1871. 
Business — Plate Glass Insurance. 58, Renfield Street, Glasgow. Manager — Duncan 
Watson. Telegraphic Address— Equity, Glasgow. 

CITY OF GLASGOW LIFE Assurance Company. Established 1838. Business— Uk 
Assurance. Ifead Office — 30, Renfield Street, Glasgow. Chairman — David Ritchie. 
Actuary — ^J. Stuart. Assistant Actuary — Wm. King. Manager <5r» Secretary — W. Smith 
Nicol. Edinburgh Office — 21, St. Andrew Square. London Office — 12, King William Street, 
E.C. Secretary — A. G. Hemming. Auditors — Macandrew & Blair, C.A. Medical Officers— 
Glasgow: Gavin P. Tennent, m.d. Edinburgh: Joseph Bell, m.d., F.R.C.S. London: 
F. Charlewood Turner, M.D. Solicitors — Glasgow: Mackenzie, Robertson & Co. Edinburgh: 
Blair & Cadell, w.s. London: Janson, Cobb, Pearson & Co. Telegraphic Addresses— 
Elderton, Glasgow; Pilgrimage, London. 

CITY OF GLASGOW Friendly Society. Established 1862. Business— Life, Sickness, and 
Endowment Insurance. 6, Richmond Street, Glasgow. Board Days — ist and 3rd Wednesday 
in month. Manager — ^James Stewart. Secretary — Robert A. Macdonald. 

CLERGY MUTUAL Assurance Society. Established 1829. Business— Uft, Endowments, 
&c., Insurance. Head Office — 2 & 3, The Sanctuary, Westminster. Board Day— 
Tuesday, 1.45 p.m. Chairman — Dean of Westminster. Actuary — Frank B. Wyatt, F.I.A. 
Secretary— Qf, H. Hodgson, M.A. Auditors — C. Barber; T. S. Vernon Cocks; H. L. Cripps; 
Rev. A. Wilson, M.A. Medical Officer— 1, Kingston Fowler, M.A., m.d. Solicitors— 
Lee, Bolton & Lee, i, The Sanctuary, S.W. 

Digitized by VjOOQ IC 



INSURANCE DIRECTORY. 15 

CLERICAL, MEDICAL & GENERAL LIFE Assurance Society. Established 1824. 
Btisiness — Life Insurance — Select and Impaired Lives. Head Office — 15, St Jameses 
Square, S.W. Board Day — Wednesday, 2.0 p.m. Chairman — Sir J. R. Mowbray, 
Bart., M.P. Actuary <5r» Secretary— WiMizxa. J. H. Whittall, f.i.a. Superintendent of 
Agents — George A. Brown. Branch Offices — London: Mansion House Buildings, E.G. 
Branch Manager — Geo. G. Ghurchward. Manchester: 8, Exchange Street. Branch Manager — 
James M. Dale. Birmingham : 84, Colmore Row. Branch Manager — Hy. Champ. L^eds : 
36, Park Row. Branch Manager— Hzxry D. O'Neill. Bristol: 22, Clare Street. Branch 
Manager — Edward Minors. Auditors — (Chosen by the Assured) H. A. Daniell; 
Alexander Ward. (Chosen by the Proprietors) Marston C. Buszard; Maurice O. Fitzgerald. 
Professional Auditor — Frederic John Young (Messrs. Turquand, Youngs & Co.). Solicitor — 
M. Turner, 22, Sackville Street, W. Telegraphic Address— Clekical, London. 

COLONIAL AND FOREIGN BANKS' GUARANTEE FUND. Established 1866. 
Business — Fidelity Guarantee Insurance. Offices — 94, Gracechurch Street, E.C. Board 
Day — 2nd Wednesday in the month. Chairman — Sir Alex. Wilson. Secretary — ^J. A. Allan. 

COLONIAL MUTUAL LIFE Assurance Society Limited. Established 1873. Business— 
Life Insurance and Annuities. Head Office (United Kingdom) — 33, Poultry, E.C. 
Manager— EAyiKtd W. Browne. Telegraphic Address— TUMLOC, London. 

COMMERCIAL FIRE Insurance Company of Scotland, Limited. Established 1887. Business- 
Fire and Personal Accident Insurance. Chief Office — 102, George Street, Edinburgh. 
Chairman — E. T. Salvesen. Manager — R. Aiton Taylor. Secretary — ^Wm. Richardson. 
London Office— ConAiiW Chambers, 63, Comhill, E.C. Resident Secretary — F. C. Paterson. 
Telegraphic Address— FoKE, Edinburgh. 

COMMERCIAL PLATE GLASS Insurance Company, Limited. Established 1880. 
Business — Plate and other Glass Insurance. 46, John Street, Sunderland. Board Day — 
3rd Thursday in month. Chairman — ^John G. Boss. General Manager— Qtat^t, W. Bain. 
Telegraphic Address— BAilf, Sunderland. 

COMMERCIAL UNION Assurance Company, Limited. Established 1861. Business— Fire, 
Life, and Marine Insurance. Head Office — 24, 25 & 26, Comhill, E.C. Board Day — 
Tuesday, 2.0 p.m. Chairman — Sir Andrew R. Scoble, Q.c, M.P., K.c.s.l. Actuary— 1, E. 
Young, B. A., F.I.A. Secretary — Henry Mann. Fire Manager — E. Roger Owen. Assistant 
Fire Manager— Geo, C. Morant. Underwriter [Marine I>ept,)—K, T. Jones. West End 
Office— %, Pall Mall, S.W. Hon. Frederic W. Anson, Branch Manager, New Bridge Street 
Branch — 20, New Bridge Street, E. C. B. O. Dickinson, Branch Manager, Auditors — C. T. 
Moore, f.ca. ; A. Dodds Fairbaim; M. A. Ord Mackenzie. Medical Officers — W. Hale White, 
M.D., Physician; Thomas Smith, F.R.C.s., Surgeon, Solicitors — HoUams, Sons, Coward & 
Hawksley. Telegraphic Address — CUACO, London. 

CONGREGATIONAL FIRE Insurance Company, Limited. Established 1891. Head 
Office^^y Blenheim Mount, Bradford. Managing Director <5r» Secretary — Rev. S. R. AntlifT. 

CO-OPERATIVE Insurance Company, Lunited. Established 1867. Business— Fire, Life, and 
Fidelity Insurance. Head Office — Long Millgate, Manchester. Board Day — Alt. Tuesday. 
Chairman — Wm. Barnett. Manager — ^James Odgers. 

COTTON WASTE DEALERS* MUTUAL FIRE Office. Established 1874. Business- 
Fire Insurance, HecLd Office — Heywood, Lancashire. Board Day — 2nd Thursday. 
Chairman — ^John Partington. Manager (Sr* Secretary — William Booth. 

COUNTY FIRE Office. Established 1807. ^wjiVktw— Fire Insurance. Head Office— ^o, Regent 
Street, W. Board Day — Friday, i.o p.m. Chairman — Lord Kinnaird. Managing 
Director—^, A. Beaumont. Secretaries — G. W. Stevens and B. E. Ratliffe. Branch 
Offices— City: 14, Comhill, E.C. Edinburgh: 123, George Street. Dublin: 113, Grafton 
Street ; and others. Solicitors — Pears, Ellis & Pears, 8, Sackville Street, W. Telegraphic 
Address— COVHTY Fire, London. 

CUMBERLAND AND WESTMORELAND FIRE Insurance Company, Limited. 
Established 1888. Business transferred to Royal Insurance Company. 

CUMBERLAND GLASS Insurance Company, Limited. Established 1887. Business— Fl&te 
and other Glass Insurance. Head Office — 30, Lowther Street, Whitehaven. Chairman — 
T. Bowman. Secretary— H. T. Weld. v^^^i^ 

Digitized by VjOOQ IC 



i6 INSURANCE REGISTER. 

DERBY MUTUAL. Established 1890. Business— VlaXe Glass Insurance. Ifead Office — | 
13, Curzon Street, Derby. Chairman — Henry Boden, J. P. Secretary — Samuel Hall. 

EAGLE Insurance Company. Established 1807. Business — Life Insurance. Head Office — 
79, Pall Mall, S.W. CAairman—The Rt. Hon. Lord Cottisloe. Secretary <Sr* General 
Manager— Q, R. Jellicoe, A. I. A. Actuary— Y. E. Colenso, M.A., F.I.A. City Office — 
41, Threadneedle Street, E.G. Branch Offices — Birmingham: 104, Colmore Row. 
Bristol: 11, Clare Street. Leeds: 5, Park Row. Manchester: 64, Cross Street, K.C. 
Auditors — Deloitte, Dever, Griffiths & Co. Medical Officers — I. Owen, m.a., m.d., F.R.C.S., 
40, Curzon Street, Ma3rfair; Wm. Rose, M.B., F.R.C«s., 1 1, Harley Street, W. Solicitor's— 
Hammond & Richards, 26, Lincoln's Inn Fields. Telegraphic Address — Eagle Insurance, 
London. 

EASTERN COUNTIES Insurance Company, Limited. Established 1890. Business— 
Fire, Burglary, Accident, &c., Insurance. Head Office — 63, Market Place, Hull. Board 
Day — ^2nd Tuesday, 3.30 p.m. Chairman — G. B. Kewton. Secretary — Henry R. Carr. 

ECCLESIASTICAL INSURANCE Office, Limited. Established 1887. Business— Yin 

Insurance of Ecclesiastical Property, Burglary, Glass. Office — ii, Norfolk Street, Strand, 
W.C. Chairman — The Very Rev. The Dean of St. Paul's. Secretary — ^John Duncan, f.i.a. 
Telegraphic Address — SUPERANNUATE, London. Telephone — Gerrard, 2969. 

ECONOMIC LIFE Assurance Society. Established 1823. Business— ^\kiMz\ Life Insurance. 
Head Office — 6, New Bridge Street, Blackfriars. Board Day — Friday, 1.30 p.m. Chairman — 
Michael Biddulph, m.p. Actuary <5r* Secretary — George Todd, m.a., f.i.a. Auditors— 
Col. J. Le Geyt Daniell; H. M. Gordon; G. Cloutte, F.c.A. Medical Officers—], F. Payne, 
M.D., F.R.C.P.; H. P. Hawkins, M.D., F.R.C.P. Telegraphic Address— Ecoi^OMlc Life, 
London. __ . - 

EDINBURGH LIFE Assurance Company. Established 1823. Business— IMt Insurance, 
Endowments and Annuities. Heact Office — 22, George Street, Edinburgh. Board Day— 
Tuesday, 3.0 p.m. Chairman — (by rotation) A. Bum Murdoch. Manager — George M. Low, 
F. F. A. , F. I. A. Secretary — Archibald Hewat, F. F. A. , F. I. A. London Office — 1 1 , King William 
Street, E.C. Secretary— Fx?sik Griffith. Auditor— Vf, R. Mylne, C.A., Edinburgh. Medical 
Officers — Edinburgh: Sir D. Maclagan, M.D. (Consulting), and J. O. Affleck, m.d. London: 
D. Ferrier, m.d.; N. Moore, m.d. Solicitors — Edinburgh: Mackenzie & Kermack, w.s. 
London: C. M. Barker, 15, Bedford Row. Telegraphic Address — Edinburgh Life, 
Edinburgh; Indisputable, London. 

EMPLOYERS* LIABILITY Assurance Corporation, Limited. Established 1880. Business— 
Employers* Liability, Accident, Disease and Fidelity. ' Hecui Office — 84 & 85, King William 
Street, E.C. Board Day — Thursday, 12.15 P*'^* Chairman — Lord Claud Hamilton. 
General Manager dr' Secretary — S. Stanley Brown. Assistant Secretary — W. E. Gray. 
Auditors — Welton, Jones & Co. Medical Officers — E. Goddard & Son, Highbury New 
Park, N. Solicitors— Vfo-isovit Sons & Room, 12, Bouverie Street, E.C. Telegraphic 
Address — Ella, London. 

EMPRESS Assurance Corporation, Limited. Founded 1895. Business — Marine. Office— 
33, Comhill, E.C. Chairman — ^J. A. H. Drought. Marine Underwriter — H. E. Holford. 
Secretary — De Westley Layton. 

ENGINE BOILER AND EMPLOYERS' LIABILITY Insurance Company, Limited. 
Established 1879. Business — Engine Boiler and Employers' Liability Insurance. F£ead 
Office — 12, King Street, Manchester. Chairman — R. B. Longridge. Secretary — E. Moss. 
Solicitors — Grundy, Kershaw, Saxon & Co., Manchester. Telegraphic Address — Longridge, 
Manchester. 

ENGLISH AND SCOTTISH LAW Life Assurance Association. Established 1839. 
Business — Life Insurance, Annuities, Endowments, and Loans. Head Office — 12, Waterloo 
Place, S.W. Board Day — Thursday, 3.0 p.m. Chairman — Arthur S. Francis. General 
Manager — Arthur Jackson. Assistant Manager — Albert G. Scott. Actuary — J. Douglas 
Watson. Consulting Actuary — G. F. Hardy. Edinburgh Office — 1 20, Princes Street, 
Edinburgh. Board Day — Thursday, 3.0 p.m. Chairman — Andrew Beatson Bell. 
Manager <5r» Secretary — W. A. Smith. Auditors — London: Turquand, Youngs & Co.; 
Edinburgh: C. E. W. Macpherson. Medical Officers — London : C. T. Williams, m.a., 
M.D., Upper Brook Street; Edinburgh : R. J. B. Cunynghame, m.d., Edinburgh. Solicitors— 
London: Caprons, Dalton & Co., 7, Savile Place, W. ; Edinburgh: Jas. A. Hope, w.s., 
Princes Street. Telegraphic Address— Ey^gias^ Scottish, London. 

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INSURANCE DIRECTORY. 17 

QUITABLE LIFE Assurance Society. Established 1762. Business— Mutual Life Assarance 
and Annuities. Ifead Ofice— Mansion House Street, E.G. President — Richard Twining. 
Actuary <5r» Secretary — Henry William Manly, f.i.a. Auditors — Fredk. Whinney; 

A. St. G. McA. Laurie; James Johnston. Medical Officer— ^tymoux Taylor, M.D., 
16, Seymour Street, W. Solicitor— Y. R. Warren, 99, Great Russell Street, W.C 

QUITABLE FIRE AND ACCIDENT Office, Umited. Established 1873. Business— 
Fire and Accident Insurance. Ifead Office — St. Ann Street, Manchester. Board Day— 
First Tuesday in month, 11.45 a. m. Chairman— l^casy Harrison. Manager <5r» Secretary — 
D. R. Paterson. London Offico — 12 & 13, Nicholas Lane, E.G. Secretary — L. B. Cowin. 
Board Day — ^Wednesday, ii.o a.m. Ghsgow Office — 38, Renfield Street. Secretary for 
Scotland— George Duthie. Dublin Office — 30, College Green. Secretary in Ireland— 
T. M. A. Nolan. Auditors — Halliday, Pearson & Co. Solicitors — Cooper & Sons, 
King Street, Manchester. Telegraphic Addresses — Equitable, Manchester; Equitable, 
London; Equitable, Glasgow ; Equitable, Dublin. 

:QUITABLE life Assurance Society of the United States. Established 1859. Business— 
Life and Annuity Insurance. Head Office^-izOy Broadway, New York. President — Henry 

B. Hyde. London Office— 6^ Princes Street, Baiidc, E.C. Joint GenercU Managers for Great 
Britain and Ireland^K, Munkittrick and Wm. Triggs. Secretary — ^J. Maxwell Batten, M.A. 

;Q0ITABLE reversionary interest Society, Limited. Established 1835. 
Business — Reversions, Life Interests, &c. Offices — 10, Lancaster Place, Strand. Board Day — 
Friday, 12 noon. Actuary— F, Hendriks. Secretaries— C H. & F. H. Clayton. 



lQUITY and LAW LIFE Assurance Society. Established 1844. Business— Ude 
Insurance. Head Office — 18, Lincoln's Inn Fields, W. C. Board Day — Wednesday, 2. 45 p.m. 
Chairman— John M. Clabon. Actuary <5r» Secretary — A. F. Burridge. Assistant 



Insurance. Head Office — 18, Lincoln's Inn Fields, W. C. Board Day — Wednesday, 2. 45 p.m 

tan — ^John M. Clabon. Actuary <5r» Secretary — A. F. , 
Actuary— "^^ P. Phelps, M.A. Auditors— K, H. Bailey; A. Bird; D. Pitcaim. 



Medical Officer— Y., Symes Thompson, M.D., 33, Cavendish Square. Solicitors — 
M. G. Rooper & G. L. Whately, 17, Lincoln's Inn Fields. 

•SSEX AND SUFFOLK EQUITABLE FIRE Insurance Society. Established 1802. 
Business — Fire Insurance. Head Q^^— Colchester. Board Day — 1st and 3rd Saturday. 
Chairman — H. J. Gurdon Rebow. Secretary— "SLoheri Anderson. Auditors — George 
Moore ; A. Kershaw Francis ; William Butcher. Solicitors — Elwes & Turner, Colchester. 

^INE ART AND GENERAL Insurance Company, Limited. Established 1890. Business— 
The Insurance against all risks on Pictures and Art Valuables, Transit Risks, ordinary Fire 
Insurance, Burglary, Employers* Liability and Accident. Offices — 90, Cannon Street, E.C. 
Secretary — A. Player Fedden. 

fREE CHURCH OF SCOTLAND FIRE Insurance Trust. Established 1888. Business- 
Fire Insurance of Church Property. Hecui Office — 68, George Street, Edinburgh. Chairman — 
R. R. Simpson, w.s. Secretary— Vf , P. Scott, C.A. Auditor— ?eier Ronaldson, C.A. 
Solicitor— T>ay\6. Philip, s,s.c., Edinburgh. 

FRIENDS* PROVIDENT Institution. Established 1832. Business— Mutual Life Insurance, 
Annuities, Endowments, &c., for the Society of Friends and those connected therewith 
by marriage, descent, religious profession, or partnership in business. Head Office — 
45, Parley Street, Bradford, Yorkshire. London Branch Office— i*jf Gracechurch Street, 
E.C. Board Day — ^Wednesday. Chairman— Y. Priestman. Consulting Actuary— Joseph 
John Dymond. Secretary <5r» Actuary — ^John Bell Tennant. London Branch Manager 
— W. H. Gregory. Auditors— ^m, C. Allen; C. Brady; J. King, Jun. ; Barber Brothers 
& Wortley, c.A. Medical Officer- K, Rabagliati, M.D., Bradford. Solicitors— "^eeAon %i 
Ackroyd, Bradford. Telegraphic Address— ¥v.iknds* Provident, Bradford. 

jENERAL accident Assurance Corporation, Limited. Established 1885. Business- 
Accident, Workmen's Compensation, Employers' Liability, Fidelity Guarantee, Vehicle, 
Indemnity or Third Party, Burglary, Cycle, Sickness, Insurance of Property against Loss 
at Sea. Q^^j— General Accident Buildings, Tay Street, Perth. Board Day— 1st Monday. 
Chairman — Patrick Hunter, j.p. Manager— T, None Miller. Secretary— John Mackinnon. 
London Offices — 115-117, Cannon Street, E.C. London Manager — Robert Johnston. 
Telegraphic Addresses— i^C^^Ykiy Perth; Applicable, London: Applwable, Glasgow. 



i8 INSURANCE REGISTER. 



GENERAL ACCIDENT GUARANTEE AND INDEMNITY Insurance Company, 
Limited. Established 1879. Business — Indemnity against Accident, Employers* Liability, 
Plate Glass Insurance, &c. Head Office — 3, Westmoreland Street, Dublin. Board Day- 
ist and 3rd Tuesday. Chairman— V^x6s9X Jones. Manager 6* Secretary — T. Cleaiy. 
Auditor — J. Purdon. 

GENERAL HAILSTORM Insurance Society. Established 1S43. Business— Iwarvnct m 
case of damage by Hail to Agricultural Produce and Glass in Conservatories, &c Hed 
Office — St. Giles* Street, Norwich. Board Day — Saturday, 3 p.m. Chairman — H. S. 
Patteson. Secretary — Sir Charles R. Gilman. Telegraphic Address — Gilman, Norwich. 

GENERAL LIFE Assurance Company. Established 1837. Business — Life Insurance and 
Annuities. Head Office — 103, Cannon Street, E.C. Board Day — Wednesday, 11.30 a-m. 
Chairman — Sir Andrew Lusk, Bart. Manager &* Secretary — ^John Robert Freeman. 
Actuary— R. Wihon. Chief Clerk— A. Burton Nye. Auditors— E, B. Lawes; H. Sims; 
C. E. Vernon-Rutter. Medical Officers— V, H. Pye Smith, M.D., F.R.S., 48, Brook 
Street, W.; Frederick Taylor, m.d., 20, Wimpole Street, W. Solicitor— ¥. R. M. Philliis, 
3, Finsbury Circus, E.C. Telegraphic Address — General, London. 

GENERAL REVERSIONARY AND INVESTMENT Company, Limited. Establisbai 

1836. Business — Reversions and Life Interests. Offices — 26, Pall Mall. Board Day— 

Friday, 12.15 p.m. Actuary and Secretary — D. A. Bumsted. Assistant Actuary- 
R. R. Tilt. 

GLOBE ACCIDENT Insurance Company, Limited. Established 1890. Business— Kcd^GA, 
Workmen*s Compensation, Employers' Liability, Burglary, Plate Glass, Vehicle, and 
Indemnity Insurance. Head Office — i, York Street, Manchester. Chairman — Sir J. ^V. 
Maclure, M.P. Manager &* Secretary—]. Corbet McBride. London Office — 13, Cullum 
Street, Lime Street, E.C. District Manager— H. W. Wright. Glasgow Office— 1(^, St 
Vincent Street. Manager for Scotland— Vf, Macintyre Shaw. 

GOLDSMITHS' AND GENERAL BURGLARY Insurance Association, Limited. 
Established 1 89 1. Business — Insurance of Private Houses and Business Premises against 
Burglary and Housebreaking ; also Cycles against Fire and Theft. Offices — 85, Gresham 
Street, E.C. ^^ar^ Z>^iy— 2nd Tuesday in month. Manager — ^J. M. Buchanan. Secretary- 
John H. Haig. Telegraphic Address — Lightened. 

GRESHAM LIFE Assurance Society, Limited. Established 1848. Business— Life Assurance 
and Annuities. Head Office — St. Mildred's House, E.C. Board Day — Thursday, 12.30 p-m. 
Chairman — H. C. T. Beadnell. General Manc^er <5r» Secretafy—Jsimes H. Scott. Assistaii 
Secretary — Wm. Grant. Assistant Manager— Alex. Lawson. Actuary — Edwin Justican, 
F.I. A., F.s.s. Auditors — G. Sneath, F.c.A. (Messrs. Price, Waterhouse & Co.); A. W. 
Chambers. Medical Officer—]. C. Galton, M.A., M.R.C.S., St. Mildred's House. Solicitm- 
Messrs. Devonshire. Telegraphic Address — Mahserg, London. 

GUARANTEE Company of North America. Established 1872. ^«««^w— Fidelity Guarantee. 
Hecui Offices — Montreal, Canada; and New York, U.S.A. President — Edward Rawlings. 
London Offices — Broad Street House, E.C. General Agent— ]simes Seymour Scott. 

GUARANTEE Society. Established 1840. Business— YideWty Guarantee Insurance. Head 
Office — 19, Birchin Lane, E.C. Board Day — Wednesday, i.o p.m. Chairman — Augustus 
C. ScoveU. Secretary — Augustus Muzio. Assistant Secretary — A. Dalton. Auditor- 
Robert C. Tucker, f.i.a. Solicitor — Thomas K. Bros, Wormwood Chambers, Old Broad 
Street, E.C. Telegraphic Address — Guarantee Society, London. 

GUARDIAN FIRE AND LIFE Assurance Company, Limited. Established 1821. Business- 
Fire, Life and Accident Insurance and Annuities. Head Office — 11, Lombard Street, E.G., 
Board Day — Friday, i.o p.m. Chairman— ]ohn Hunter. Actuary <Sr* Secretary — T. G. C 
Browne. Manager of Fire Department — A. J. Relton. Sub- Manager Home Fin 
Department— Y^. G. Cochrane. Law Courts Branch— 21^ Fleet Street, E.C. Auditon- 
Cooper Brothers & Co., C.A. Medical Officers— Six Vf, R. Gowers, M.D., 50, Queen Anne 
Street, W. ; H. Montague Murray, m.d., 25, Manchester Square, W. Solicitors — Trower, 
Freeling & Parkin, 5, New Square, Lincoln's Inn. Telegraphic Address— Fikegvaw, 
London. 

GUARDIAN PLATE GLASS Insurance Company, Limited. Established 1863. Business- 
Plate Glass Insurance. Head Office — ^49, Spring Gardens, Manchester. Chairman — Sidney 
Jewsbury. Secretary — Thomas Harris. London Office — 10-12, New Bridge Street, 



Blackfriars, E.C. Auditors— VzxVvasou, Mather & Co. 



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INSURANCE DIRECTORY. 19 

lAND-IN-HAND FIRE AND LIFE Insurance Society. Established (Mutual Fire 
Insurance) 1696; extended to Life Insurance 1836. Business — Fire and Life Insurance 
and Annuities. Head Office — 26, New Bridge Street, Blackfriars, E.G. Board Day — 
Tuesday, i.o p.m. Chairman — In rotation. Secretary — Benjamin Blenkinsop. Actuary — 
H. C. Thiselton, f.i.a., f.f.a. Branch C>^^j— Birmingham : 7, 9 & 11, Ethel Street. 
ZHstrict Agents — Sayer & Sejrmour. Bristol : 2 & 3, Exchange Buildings West. Resident 
Secretary — J. R. Blandford. Glasgow: 150, Hope Street. Resident Secretary — ^J. W. 
Stewart Liverpool: Manchester Buildings, I, Tithebam Street. Resident Secretaries — 
Eyre & Nephew. Manchester : 4, Chapel Walks, Cross Street Resident Secretary — G. H. 
Marsland. Leeds : 23, Park Row. Resident Secretary — J. Morrison. Auditors — Turquand, 
Youngs & Co. Medical Officer— -T, D. Acland, M.D., 74, Brook Street, W. Solicitors— 
Nicholl, Manisty & Co., i, Howard Street, W.C. Telegraphic Addresses— -BLEHKiiisOF, 
London; Return, Birmingham; Blandford, Bristol; Institution, Glasgow; Eyre, 
Liverpool; Imprimis, Manchester; Hand, Leeds. 

iERHFORD FINANCIAL ASSOCIATION AND PLATE GLASS Insurance 
Company, Limited. Established 1883. Business — Loans and Plate Glass Insurance. 
Ifead Office — loi. East Street, Hereford. Board Day — Friday after 2nd Tuesday. 
Chairman — E. E. Bosley, J.P. Secretary — T. Hutchinson, Solicitor. 

iORSE, CARRIAGE AND GENERAL Insurance Company, Limited. Established 1873. 
^ttjt'wdjj— Insurance of Horses and Vehicles of all descriptions, and Third Party and Drivers' 
Accidents. Head Office — 17, Queen Victoria Street, E.C. Board Day — Wednesday, 
12.15p.m. Chairman — In rotation. Managing Director — A. Waters. Secretary — R. Riddell 
Wilson. Auditors — S. Slater & Son. Telegraphic Address — Renewals, London. 

HULL AND EASTERN COUNTIES MUTUAL PLATE GLASS Insurance 
Company. Established 1881. Business — Plate Glass Insurance. Hecui Office — i, 
Postemgate, Hull. Board Day — 2nd Monday. Chairman — Charles Shaw. Secretary — 
Samuel T. Nicholson. 

IMPERIAL Insurance Company, Limited (for Fire). Established 1803. Business— Fixe 
Insurance. Head Office— i. Old Broad Street, E.C. Board /?ay— Wednesday, 1.30 p.m. 
Chairman — Richard Twining, Esq. General Manager dr* Secretary — E. Cozens-Smith. 
West End Office— 22, Pall Mall, S. W. ; Law Courts, 47, Chancery Lane, W.C. Auditors— 
Hon. L. A. Brodrick; R. L. Newman; H. W. Prescott. Telegraphic Address — Imperial, 
London. 

[MPERIAL LIFE Insurance Company. Established 1820. Business — Life Insurance and 
Annuities. -^(Sfl</ (?^f^—i, Old Broad Street, E.C. Chairman — Earl of Verulam. General 
Manager <5r» Actuary— -l^ssi^^ Chisholm, F.I.A. Sub-Manager <5r» /oint Actuary — Frederick 
Bell, F.I.A. West End Office— 22, Pall Mall, S.W. Auditors— Y, Bosanquet; H. E. 
Coles; C. F. Kemp, Ford & Co. Medical Officers— A. B. Duffin, m.d., 18, Devonshire 
Street, W.; Bertrand Dawson, m.d., iio, Harley Street, W. Solicitors — Oliver & Sons, 
61, Carey Street, W.C. Telegraphic Address — Imperial Life, London. 

IMPERIAL LIVE STOCK Insurance Association, Limited. Established 1878. Business— 
Horse and Cattle Insurance. Head Office— i*j. Pall Mall East, S.W. Board Day— 
Wednesday, 12.0 noon. Chairman — George Alan Lowndes. Manager <5r» Secretary — 
Benjamin S. Essex. Solicitors — Munns & Longden, 8, Old Jewry, E.C. 

INDEMNITY MUTUAL MARINE Assurance Company, Limited. Established 1824. 
Business — Marine Insurance. Head Office — I, Threadneedle Street, E.C. Chairman — 
John Nutt Bullen. Underwriter— Hexwy Haslam. Secretary^, F. Mainland. Telegraphic 
Address— iNDEiAmvY, London. 

INSURANCE COMPANY OF NORTH AMERICA. Established 1794. Head OJice— 
Philadelphia. London Branch — 2, Royal Exchange Buildings. Manager — W. H. Spiller. 
Telegraphic Address—SFlCELi^vSy London. 

KENT FIRE Insurance Company. Established 1802. Business — Fire Insurance. Head 
Office — Maidstone. Board Day—Loist Wednesday. Chairman — W. Lawrence. Secretary 
<5r» General Manager-Walter L. Seyfang. Londmi Office— »12/^, Cannon Street, E.C. 
London Manager — Augustus Wallis. Branches — Manchester : 2, Charlotte Street. Liverpool : 
28, Exchange Street East. Birmingham: I, Newhall Street. Canterbury: High Street. 
Gla^ow: 68, St. Vincent Street. Dublin: 38, Dame Street. Auditor— Y. Richards. 
Solicitors — Maidstone : Robert J. L. Brennan. Ashford : F. Hughes- Hallett. Telegraphic 
Addresses — Seyfang, Maidstone; Kentledge, London. Digitized by LjOOQ IC 

C 2 



20 INSURANCE REGISTER, 



KEY AND SEASON TICKET Insurance RegUtry, Limited. Established 1896. Officei-- 
13, King William Street, E.C. Manager— Q, F. Booth. 

LANCASHIRE Insurance Company. Established 1852. Busimss—'liStt Fire, and Employers' 
Liability Insurance. Head Office — Exchange Street, Manchester. Board Day — Tuesday, 
11.0 a.m. Chairman — Ed ward Coward. General Manager — Digby Johnson. Sub-Manager— 
Charles Povah. London Office— \^^ King William Street, E.C. Board />«/— Monday. 
Resident Secretary— John P. Read. Auditors— J olm E. Halliday; Robert Bridgford. 
Medical Officers — Manchester: William Thorbum, M.D., F.&.C.S. London: Scptiimi 
Gibbon, M.B., and W. Lomas, M.B. Solicitors— ^zxclotl & Hall, Manchester. TeUgrapkic 
.^^r^jj— Insurance, Manchester ; Lancashire, London. 

LANCASHIRE AND YORKSHIRE ACCIDENT Insurance Company, limited. Estab- 
lished 1877. -5«jf«^«-— Accident, Guarantee, Employers* Liability, Cattle, Vehicle, Bad 
Debt, and Marine Insurance. Head Office — 37, Princess Street, Manchester. Board Day- 
2nd Thursday. CAairwtf «— J. R. Beard, j. P. il/aiK^fKr—R. Kennedy Mitchell. Secretary 
— ^J. Bume. London Branch — 78, King William Street, E.C. Birmingham Branch— 
37, Bennett's Hill. Liverpool Branch— ig^ Castle Street. Leeds Branch — 30, Park Row. 
Cardiff Branch — 19, Bank Buildings, St. Mary Street. Newcastle-on-Tyne Branck- 
18, Royal Arcade. Reading Branch— 2^1^ Oxford Road. Dublin Branch— di^ Dawson 
Street. Glasgow Branch— S7, St. Vincent Street. Auc^ors-Butchei, Litton & PownalL 
Medical Officer— C E. Glascott, M.D., F.R.C.S.E. Telegraphic Addresses— AcciDEHTS^ 
Manchester; Injuries, London; Profit, Glasgow; Employ, Birmingham; Liability, 
Cardiff. 

LANCASHIRE AND YORKSHIRE REVERSIONARY Interest Company, Limited 
Established 1884. Business — Purchase of Reversions, Life Interests and Policies, or advances 
thereon. Offices— 6, St. James* Square, Manchester. Secretary — H. Kidson. 

LAW ACCIDENT Insurance Society, Limited. Established 1892. Business— Y^xsioioA 
Accident, Employers* Liability, Workmen's Compensation (Act 1897), Public Liability, 
Burglary, Housebreaking, and Larceny Insurance. Head Office — 215, Strand, W.C. Boari 
Day — Wednesday, 2.30. Chairman — Richard Pennington. Manager ^ Secretary — Edward 
T. Clifford. Auditors— Vxice, Waterhouse & Co. .S^^/u-fV^— Charles Stewart. Telegraphic 
Address— LiFEGVAKD, London. 

LAW FIRE Insurance Society. Established 1845. Business — Fire Insurance. Offici 
114, Chancery Lane, W.C. Board Day — Tuesday, 3.15 p.m. Chairman — Sir Richard 
Nicholson. Secretary — George William Bell. Assistant Secretary — William John Vine. 
Auditors— Yf. T. Neve; John Henry Hortin; C. R. R. West; J. F. Burton. SolicUor- 
Charles Harrison, 19, Bedford Row. Telegrctphic Address — Law Fire, London. 

LAW GUARANTEE AND TRUST Society, Limited. Established 1888. Business- 
Fidelity Guarantees ; Mortgages, Debentures and License Insurance ; Contingency Insurance 
re Lost Documents, Missing Beneficiaries, &c. ; Trusteeships under Wills, Marriage Settle- 
ments, &c. , and for Debenture Holders. Head Office— ^g^ Chancery Lane, W. C. Board Day— 
Thursday. Chairman — T. Rawle. General Manager &* Secretary — Thomas R. Ronald. 
Assistant Manager — D. M. Garment. Assistant Secretary — Walter S. Bates. Branch Offices— 
Dublin, Birmingham, Bristol, Edinburgh, Glasgow, Huddersfield, Leeds, Liverpool, 
Manchester and Newcastle-on-Tyne. Auditors — Deloitte, Dever & Co. Solicitors — Ton, 
Gribble & Co., 38, Bedford Row. Telegraphic Address — LlGALiTfi, London. 

LAW LIFE Assurance Society. Established 1823. Business — Life Assurance, including 
Annuities and Sinking Fund Assurances. Hecul Office — 187, Fleet Street, E.C. Boan 
Day — Wednesday, 1.30 p.m. Chairman — In rotation. Manager &* Secretary — E. H. 
Holt. Actuary — A. B. Adlard. Assistant Actuary—], E. Faulks. Auditors — Charles Hoare; 
H. Houseman; F. G. Hilton Price; P. Walsh. Medical Officer— Sir Byce Duckworth, m.d., 
LL.D. Solicitor— Vf, M. Walters. Telegraphic Address— Elf dowmeut, London. 

LAW REVERSIONARY Interest Society, Limited. Established 1853. Business— VvLrchas^ 
of and Loans on Reversions and Life Interests* Offices — 24, Lincoln's Inn Fields. Board 
Day — ^Wednesday, 4.0 p.m. Actuary 6t* Secretary — ^W. Oscar Nash, F.I.A. 

LAW UNION AND CROWN FIRE AND LIFE Insurance Company. Established 
for Life, 1825 ; for Fire, 1854. Business— File, Life, and Annuities. Head Office — 126, 
Chancery Lane, W.C. Board -Day — Tuesday, 2.30 p.m. Chairman — Geo. M. Arnold. 
General Manager — Alexander Mackay. Secretary &* Actuary — S. G. Warner, /oini 
Actuary — R. Stirling. Auditors—]. J. Darley; R. L. Harrison. Medical Officers— 
George V. Poore, m.d., f.r.cp., 30, Wimpole Street, W.; John A. Kingdon, f.r.cs,, 
2, Bank Buildings, E.G. ^o/j^/V^rj— Robins, Hay, Waters &Hav.QQQ|p 



INSURANCE DIRECTORY. 21 

rEGAL AND GENERAL LIFE Assurance Society. Established 1836. Business^Uft 
Assurance and Annuities. Ifead Office — 10, Fleet Street, E. C. Board Day — Tuesday, 2. o p. m. 
Chairman — William Williams. Actuary &* Manager — E. Colquhoun. Assistant 
Manager— QYizxits Windett. Assistant Actuary— F. A. Straker. Auditors—], S. Follett; 
C. G. Kekewich; K. C. S. Parker; E. H. Busk. Medical Officer— T. T. Whipham, M.D., 
II, Grosvenor Street, W. Solicitor— T, L. Kesteven. Telegraphic Address— Lbg^v^^ 
London. 

ICENSES INSURANCE CORPORATION and Guarantee Fund, Limited. Established 
1 89 1. Business — Insurance and Guarantee of Brewers, License-Holders, and other interested 
persons against loss or depreciation in the value of Property, incurred by the forfeiture or non- 
renewal of Licenses, and all classes of Insurance except Life Insurance. Offices — 24, Moorgate 
Street, E.C. General Manager &* Secretary — J. K. O'Donoghue. Assistant Manager — 
C. D. Greenway. Auditors— Txa^zsA^ Youngs & Co. Telegraphic Address— VHRomuos, 
London. 

IFE ASSOCIATION OF SCOTLAND. EstabUshed 1838. Business— Life and Annuities. 
Head Office — 82, Princes Street, Exlinburgh. Board Day — Tuesday, 2.30 p.m. Chairman — 
Right Hon. Earl of Stair, K.T., &c. Manager— ]c^vl Tumbull Smith, LL.D., C.A., F.F.A. 
Secretary— I^Vi Sharp. Actuary — Gordon Douglas, F.I.A., F.F.A. Assistant Secretary — 
John Jas. Robertson. London Office— ^^ Lombard Street, E.C. Board /?fly— Monday, 
2.0 i).m. West End Office— x^"^^ Pall Mall. CAa»r/«tf«— Right Hon. Lord 
Play fair, K.C.B. General Secretary — J. Chas. Wardrop. Assistant Secretary — 
Wm. J. Price. Secretary (West End)— Lionel Benson. Auditor— D^wid Pearson, C.A., F.F.A. 
Medical Q^^j— Edinburgh : Patrick Heron Watson, LL.D., m.d. London: I. Bumey 
Yeo, M.D. Solicitors^-Edinhargh: Melville & Lindesay, w.s. London: Bompas, 
BischofF & Co.; West End: Burch, Whitehead & Davidsons. Tel^aphic Address— 
Reciprocal, Edinburgh; Reciprocal, London. 

JON FIRE Insurance Company, Limited. Established 1879. Business — Fire Insurance. 
Head Office— %7^ & 84, Queen Street, E.G. Board Z)a>'— Wednesday. Chairman— YX^ 
Elias. General Manager &* Secretary— TYiomas B. Bell. Assistant Manager— ¥, E. Booker. 
Auditors— VfeXion, Jones &! Co. Solicitors — ^Ashurst, Morris, Crisp & Co. Telegraphic 
Address — Benlion, London. 

JVERPOOL AND LONDON AND GLOBE Insurance Company. Established 1836. 
Business — Fire, Life, and Annuities. Head Office — i. Dale Street, Liverpool. Board Day — 
1st Tuesday in month, 2.0 p.m. Chairman — A. Earle. General Manager <Sr* Secretary — 
J. M. Dove. Sub- Manager— T, I. Alsop. London Offices— T^ Comhill, 56, Charing Cross, and 
130, Fenchurch Street. Chairman — Sir Chas. Nicholson, Bart., d.cl. Actuary dr* Resident 
Secretary^Augastus Hendriks, F.I.A. Auditors {Proprietors')— E, Ellb Edwards, J. Findlay. 
{Professional)— Steady Taylor & Stead, C.A. Medical Officers— lAvev^ooh E. R. Bickersteth. 
London: H. Selfe Bennett, M.B. {Consulting) — Sir James Paget, Bart. Solicitors — Liverpool: 
Laces, Bird, Wilson & Todd. London : Lee & Pembertons. Surveyors— Ijondon : W. A. 
Rees; A. E. Thompson. Telegraphic Address— GhOBK^ Liverpool; Globe Insurance, 
London. 

.IVERPOOL MORTGAGE Insurance Company, Limited. Established 1888. Business- 
Insurance against loss on Mortgages, Debentures, Bank Deposits, Bonds, &c.; Guarantees 
Fidelity; acts as Trustee for Debenture-Holders. Head Office— 6, Castle Street, 
Liverpool. Board Day— Friday. Chairman— Henry H. Hornby, j.P. Secretary— John 
Wm. Davidson. /«jr/^^/<7r— William Thomson. Auditors— Chalmers^ Wade & Co., 
Liverpool. Solicitors— Alsop, Stevens, Harvey & Crooks, Liverpool. Telegraphic 
Address — D ANTON, Liverpool. 

-IVERPOOL AND LONDON PLATE GLASS Insurance Company, Limited. Established 
1866. Business— VXaie Glass Insurance. Head Office— 6%, Victoria Street, Liverpool. 
Chairman — E. Menlove. Secretary dr* Manager—]. Reid Moir. London Office—^, Broad 
Street Buildings, Liverpool Street, E.C. Auditors— Blease & Sons, Liverpool Solicitors— 
Burton & Coleman, Liverpool. 

LIVERPOOL PROTECTIVE FRIENDLY Society. Established 1856. Business— 
Industrial Life Insurance. Head Office — i, Islington Square, Liverpool. Secretary — Daniel 
J. Thompson. 

LIVERPOOL REVERSIONARY Company, Limited. Established 1878. Business— 
Purchase of Reversions and Life Interests, or ordinary Loans thereon. Offices — 5, Cook 
Street, Liverpool. Board Day — Monday, 2.0 p.m. Secretary — W. H. Cochran, f.c.a. 
Telegraphic Address— REYEiiSioif, Liverpool. Digitized by LjOOQ IC 



22 INSURANCE REGISTER. 



LIVERPOOL VICTORIA LEGAL Friendly Society. Established 1843. Busifuss-Ut 
Insurance. Head Office — St. Andrew Street, Holbom Circus, E.C. Board /?ay— Daily. 
Secretary — Arthur Henri. Treasurer — Wm. Long. Auditors — G. E. & J. S. Holi, 
Liverpool. Telegraphic Address — Victoria Legal, London. 

LLOYDS, Royal Exchange, London, E.C. Founded 1696. Business— HLztoir. Insurance. 
Secretary — Col. H. Hosier. 

LONDON AND COUNTY PLATE GLASS Insurance Company. Limited. Established 

1873. Business— Y\3Xt. Glass Insurance. Head Office — 62 & 64, Ludgate Hill, EX. 
Chairman — Alderman W. Moulson. Secretary — Henry Hare. Auditor — Alfred Uoncl 
Lewis. 

LONDON AND GENERAL PLATE GLASS Insurance Company. Established 1S61. 
Business — Plate and other Glass Insurance. Hecui Office — 19, Haymarket, S.W. Boari 
Day — Thursday, 2.0 p.m. Chairman dr* Managing Director— f, B. Williams, F.S.A. 
(Scot.) Secretary— }i, Mallam Williams, F.S.S. Solicitors — Deane & Chubb, Gray's Inn. 
Telegraphic Address — Ubi, London. 

LONDON AND LANCASHIRE FIRE Insurance Company. Established 1862. Businai- 
Fire Insurance. Head Office — 45, Dale Street, Liverpool. Board Day — Monday, 2.30 p-n 
Chairman— T>}mc3iXi Graham. Manager <5r* Secretary— Y. W. P. Rutter. Sub-Mana^r- 
James Allan. Assistant Secretary— ¥, W. Mills. London Branch— 73-76, King William 
Street, E.C. Board Day— Tuesdsiy, 2.0 p.m. Chairman— John Aste. London Managtr- 
Joseph Powell. Telegraphic Address— TohiCY, Liverpool; Policy, London. Glasgi'^ 
Branch — 32, Royal Exchange Square. Board Day — Friday, 12.30 p. m. Local Managtr- 
A. Blair. 

LONDON AND LANCASHIRE LIFE Assurance Company. Established 1862. Busimi- 
Life Insurance. Head Office— ^d & 67, Cornhill, E.C. Board Z?ay— Tuesday, 2.0 pm. 
Chairtnan — Col. Sir Nigel Kingscote, k.c.b. General Manager d;* Actuary — William P. 
Clirehugh. Secretary — G. W. Mannering. Assistant Actuary — W. R. Hopkins. Auditors- 
Turquand, Youngs & Co.; S. Leeke. Medical Officers— Jsjnes E. Pollock, m.d., 52> 
Upper Brook Street, W.; Buxton Shillitoe, F.R.c.s., 2, Frederick's Place, Old Jewry, EX. 
Solicitors— Fainesy Blyth & Huxtable, 14, St. Helen's Place, E.C. Telegraphic Address- 
Clirehugh, London. 

LONDON AND MANCHESTER INDUSTRIAL Assurance Company, Limited. 
Established 1869. ^««>i^w— Industrial Life Insurance and Medical Aid. Head Offia- 
40-47, South wark Exchange, S.E. Board Day ■^'Wednesday , 2.0 p.m. Chairtnan- 
J. Mason, m.d. Managing Director — W. Woodward. 

LONDON AND NORTH BRITISH PLATE GLASS Insurance Company, Limited. 
Established 1886. Business— VXait and other Glass Insurance. Head Office— i, Finsbaiy 
Pavement. Board Day — ist Friday. Chairman — Douglas Young. Solicitors— Voti^ 
Board Akerman & Co. Manager <5t* Secretary— Y., W. Mawer. Telegraphic Address-, 
Reinstate, London. I 

LONDON AND PROVINCIAL MARINE AND GENERAL Insurance Company,j 
Limited. Established i860. Re-registered 1898. Business — Marine Insurance. HeadOfi^" 
2, Royal Exchange Buildings, E.C. Chairman— F. W. Lunan. Secretary— Yi. S. B. Cooley. 
Underwriter — H. E. Secretan. Telegraphic Address — Daniell, London. 

LONDON ASSURANCE CORPORATION. Established 1720. Business— Y\xt,Utf^^ 
Marine Insurance. Head Office— 7 y Royal Exchange, E.C. Board Z>fly— Wednesday, 
12.0 noon. 6^^^r«^^Henry J. B. KendaU. Secretary — Charles A. Denton. Undenvniff 
— John Stewart Mackintosh. Manager of the Fire and Life Departments— ]^^^ 
Clunes. Actttary—GtOTgQ King. Medical Officers— John Harley, M.D., 9, Stratford 
Place, Oxford Street; G. W. Potter, m.d., 8, King Street, E.C. Soliciiors-2>m^ 
Johnsons & Jecks; CoUyer-Bristow, Russell, Hill & Co. Telegraphic Addresses— lo^^^ 
Assurance, London Lonchus, London. 



LONDON, EDINBURGH AND GLASGOW Assurance Company, Limited. Established 
1 88 1. Business — Industrial and Ordinary Life Assurance, and Accident Insurance anfl 
Annuities. Hecui Office — Insurance Buildings, Farringdon Street, E.C. Board Day- 
Wednesday, 12.0 noon. Consulting Actuary — Wilfred A. Bowser. General Maw^^" 
T. Neill. Secretary— T. V. Cowling. Edinburgh—^, North St. David Street. Ri^^ 
Secretary— T>, N. Cotton, c.A. Glasgow— i^^ St. Vincent Street. Auditors—^^P' 
Akers & Hays, C.A. Medical Officer — London: Reginald E. Thompson, m.d., ^'^'^^\ 
Solicitors — London: Wynne-Baxter & Keeble. Edinburgh: Traquair, Dickson & ^*^" 
laren, w.s. Telegraphic Address— Fk^mium, London.^! ^i^g^ by LjOOQ IC 



INSURANCE DIRECTORY. 23 

.ONDON GUARANTEE AND ACCIDENT Company, Limited. Established 1869. 
Business — Fidelity Guarantee, Accident, and Employers* Liability Insurance. Head Office — 
61, Moorgate Street, E.G. Board Day — Tuesday, n.30 a.m. Chairman — In rotation. 
Secretary— Y.. G. Laughton Anderson. Auditors— ^d.^m Waterhouse, C.A.; George Sneath, 
c. A. Medical (9^^r— Wharton Hood, M.D. Solicitors— Oo^'dATi^ Son & Holme. Telegraphic 
Address — Guarantee, London. 

.ONDON LIFE ASSOCIATION (The) Limited. Established 1806. Business— mnix^ 
Life Insurance. /T^ftf^/ <5^^^— 8 1, King William Street, E.G. Board Day— Yri!^2.yy 12.0 
noon. President — Francis Henry Beaumont. Actuary <Sr* Secretary — Charles Daniel Higham, 
F.I. A. ^««///^j— George Baker; Henry Boyer; William Gave Fowler. Medical Officer— 
Robert W. Burnet, M.D. Solicitor— Henry Attlee. 

-OYAL PHILANTHROPIC FRIENDLY Society. Established 1844. ^«««*jj-Industrial 
Life Insurance. J/ead Office — 36, St. Anne Street, Liverpool. Chairman — ^James White. 
Secretary — John Roughsedge. 

yiAGDEBURG FIRE Insurance Company (M^eburg). Established 1844. Business— Firt 
Insurance. Offices — 10, Gomhill, E.G. British Manager— T, E. Wirgman. Telegraphic 
Address — Wi ROMAN, London. 

liAAN CHESTER FIRE Assurance Company. Established 1824. Business — Fire Insurance. 
Head Office — 98, King Street, Manchester. Board Day — Tuesday, ii.oa.m. Chairman — 
T. Barham Foster. Manager dr» Secretary — William Lewis. London Office — 96, Gheapside, 
E.G. Auditors — ^Ashworth, Mosley & Go. Solicitors — Slater, Keelis, Williamson & Co., 
Manchester; Blount, Lynch & Petre, London. Telegraphic -,4^r^w— Manchester Fire, 
Manchester. 

MANCHESTER STEAM USERS' Association. Established 1854. Business— Si^m 
Boiler Inspection and Guarantee, and Steam Engine Inspection and Indication. Head Office — 
9, Mount Street, Manchester. Chairman — Adam Dugdale. Chief Engineer — G. E. 
Stromeyer. Secretary — Robert Tonge. Telegraphic Address — Steam Users. 

MARINE Insurance Company, Limited. Established 1836. Business — Insurance of Ships and 
Goods. Head Office— 20, Old Broad Street, E.G. Board Z>ay— Thursday. Chairman — 

F. D. Barnes. Manager — F. A. White. Assistant Manager — R. B. Lemon. Secretary — 
H. G. R. Maughan. Solicitors— ^zXions, Johnson, Bubb & Whatton. Telegraphic 
Address — Gaminius, London. 

MARINE AND GENERAL MUTUAL LIFE Assurance Society. Established 1852. 
Business — Life and Annuities, also Marine Insurance, other than Ships or Cargo. Hecui 
Office — 14, Leadenhall Street, E.G. Board Day — Wednesday, 2.45 p.m. Chairman — Sir 
Thomas Sutherland, G.C.m.g., m.p. Actuary <5r» Secretary — Stanley Day, F.I.A. Auditors — 
James Soden; E. K. Berry. Medical Officers — George Thin, M.D., 63, Harley Street, W.; 

G. A. Heron, m.d., 57, Harley Street, W. Solicitor— K. N. Radcliffe, 20, Craven 
Street, W.G. Telegraphic Address — Revenue, London. 

MARITIME Insurance Company, Limited. Established 1864. Business — Marine Insurance. 
Head Office — ^40, Brown's Buildings, Liverpool. Board Day — Friday. Chairman — 
Thomas Comber. Underwriter — Harold Sumner. Secretary — ^J. G. Nicholson. Auditors 
— Harmood, Banner & Son. Solicitors — Batesons, Warr & Wimshurst, Liverpool. 
Telegraphic Address — Maritime, Liverpool. 

MERCHANTS* MARINE Insurance Company, Limited. Established 1871. Business— 
Marine Insurance. Hectd Office — 37, Gomhill, E.G. Board Day — Tuesday, 1.45 p.m. 
Chairman — W. L. Watson. Underwriter — Akroyd Hyslop. Secretary — Alfred Dawson. 
Auditors—^, B. Peat & Go. Solicitors— '^^Xtons, Johnson, Bubb & Whatton. Telegraphic 
Address — NosBOR, London. 

METHODIST AND GENERAL Assurance Society, Limited, in operation and under the 
auspices of the Salvation Army. Head Office — 107, Queen Victoria Street, E. G. Chairman — 
W. Bramwell Booth. Managing Director — ^John A. Carleton. Manager — Thomas A. 
Marshall. Auditors — Knox, Burbidge, Cropper & Co. Medical Officer — F. Perthes 
Bremner, M.B., cm. Solicitors — Ranger, Burton & Frost. Telegraphic Address — 
Lifegiving, London. 

METROPOLITAN LIFE Assurance Society. Established 1835. Business— U\xivi2\ Life 
Insurance. Head Office — 13, Moorgate Street, E.G. Board Day — Wednesday, i.o p.m. 
Chairman — In rotation. Actuary ^ Secretary — L.M.Simon, F.I.A. Assistant Secretary — 
Bernard Woods. Auditors — Deloitte, Dever, Griffiths & Go. ; Fredk. W. Smith, f.c.a. 
Medical Officers — R. Clement Lucas, F.R.C.S., 50, Wimpole Street, W.; J. Kingston 
Fowler, M. A., m.d., 35,Clarges Street, W. Solicitors — Travers Smith, Braithwaite &,Robinson. 

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24 INSURANCE REGISTER. 

MILLERS' MUTUAL FIRE Insurance Company. Established 1876. £usifusS'--Mutaal Fire 
Insurance. Head Office — 61, Mark Lane, E.C. Chairman — Wilson Marriage. Secretary— 
J. H. Chatterton. 

MORTGAGE INSURANCE Corporation, Limited. Established 1886. Head Office— ^a^ 
Cannon Street, E.C. Chairman — Horace H. Nelson. Secretary — A. Dodds Fairbaim, ca. 
Auditors — Broads, Paterson & Co. Solicitors — Baker, Blaker & Hawes. Telegrajthic 
Address — ^THRIFTILY, London. 

MUTUAL GUARANTEE Company, Limited (The Friendly Societies and Genen' 
Guarantee Co., Limited). Established 1876. Business — Fidelity Insurance. Offices-- 
30 & 31, New Bridge Street, E.C. Secretary— Vf , C. Pearce. 

MUTUAL LIFE Insurance Company of New York. Established 184J. Business— Udt 
Assurance. Head Office for the United Kingdom — 17 & 18, ComhiU, E.C General 
Manager — D. C. Haldeman. British Secretary-^-l, Crawford. Chief Medical Referee— 
Dr. T. Colcott Fox. 

MUTUAL PROVIDENT ALLIANCE Friendly Society. Established 1847. Business- 
Mutual Life Insurance, Annuities. Hecul Office — 18, Catherine Street, Strand, W.C. 
Board Day — Thursday, 3.0 JP-m. Chairman — ^John Kempster. Consulting Actuary— 
T. Y. Strachan. Secretary'^, W. Hardwidge. Auditors— Axihm Miall, F.C.A.; W. S. 
Mold. Medical Officer — ^James Herron, m.d. 

MUTUAL RESERVE FUND LIFE Association (New York). Established 1881. 
Business — Life Insurance on the Assessment Plan. President — F. A. Burnham. Offices 
{British Department)— Bio&d Street House, Old Broad Street, E.C. Resident Vice-President 
— Sir Joseph Savory, Bart., M.P. Director- General — George Thome. Comptroller— 
William Stone. Telegraphic Address^-RESEKVE. 

NATIONAL (of Ireland). Established 1822. Business— Y\xt, Life and Accident Insurance and 
Annuities. Head Office — 3, College Green, Dublin. Board Day — Friday, 12.30 p.m. 
Chairman — Elected annually. Manager 6j* Secretary — C. C. Cream. London Office— 
33, Nicholas Lane, E.C. Resident Secretary — P. Maccallum. Assistant Secretary— 
T. E. Ashe. Auditors— T, W. Kinahan ; J. E. Fottrell, Dublin; A. W. Dixon, London; 
J. E. Lees, Manchester. Solicitor — ^T. T. L. Overend, Dublin. Telegraphic Addresses— 
Arraspasti, Dublin, London, Glasgow, Manchester, Liverpool. 

NATIONAL ACCIDENT Insurance Company, Limited. Established 1894. Business— 
Workmen's Compensation, Personal Accident, Employers* Liability, Fidelity Guarantee, 
Burglary and Housebreaking, Plate, Glass, &c, Insurance. Chief Offices — Insurance 
Buildings, Cardiff, and 49, Queen Victoria Street, London, E.C. Secretary — Natl. Merriman. 
District Offices — Belfast, Birmingham, Bristol, Brighton, Liverpool, Manchester, Newcastle, 
and Leeds. 

NATIONAL BOILER AND GENERAL Insurance Company, Limited. Established 1864. 
Business — Boiler, Engine, and Djmamo, Motor and Electrical Machinery Insurance. Head 
Office — 22, St. Ann's Square, Manchester. Branch Office — 60, Queen Victoria Street, London, 
E.C. Board Day — Last Tuesday. Chairman — C. Thompson, j.p. Chief Engineer & 
Manager — Edward G. Hiller. Secretary — ^J. F. Almond. Auditors—], E. Halliday ; D. Smith. 
Solicitors — Needham, Parkinson, Slack & Needham, Manchester. Telegraphic Address— 
National, Manchester : Incrustation, London. Telephone No, Bank 1409 National. 

NATIONAL BURGLARY Insurance Corporation, Limited. Established 1892. Business— 
Insurance against Burglary, House-breaking and Larceny. Special feature. Insurance of 
Cycles and Cyclists. Head Office — 10, Moorgate Street, E.C. Manager <Sr» Secretary— 
Fredk. W. Rutherford. Telegraphic Address— Assured, London. Branch Offices- 
Liverpool: I, York Buildings, Dale Street; Manchester: 46A, Market Street 

NATIONAL CYCLE AND MOTOR CAR Insurance Company, Limited. Established 
1896. Business — Cycle, Motor Car, General Accident, and Burglary. Office — 33, King 
William Street, E.C. Manager— Jsls, Jeffries. Secretary — Edward Willson. 

NATIONAL GUARANTEE AND SURETYSHIP Association, Limited. Established 
1863. Business — Government and ordinary Fidelity Guarantee. Head Office— 6j, 
George Street, Edinburgh. Board Day — Tuesday. C4^z^>wa«— Charles Cook, w.s. 
Manager — George Todd Chiene, ca. London Office — 64, Cannon Street, E.C. London 
Secretaries — Fairbairn & Wingfield, CA. Auditor — Richard Brown, ca. Solicitors— 
Hope, Todd & Kirk, Edinburgh. Telegraphic Address — Chiene, Edinburgh. 

NATIONAL GUARDIAN Assurance Company, Limited. Established 1865. Business- 
Life Insurance and Loans. Head Office — 21, New Oxford Street, W.C. Board Day— 
Wednesday, 11.30 a.m. Chairman— J. C. Stredder. Secretary — P* E. Stredder. 

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INSURANCE DIRECTORY. 25 

NATIONAL INSURANCE AND GUARANTEE Corporation, Limited. Established 
1894, being a reconstruction of old company of same name, incorporated 189 1. Business — 
Insurance of all kinds, except Life; also Guarantee of all kinds. Insurance of Debentures, &c. 
Q^«— 3> Royal Exchange Buildings, E.C. Secretary~^Vf . Kent Lemon, F.I.A. 

l^ATI ON AL MARINE Insurance Association, Limited. Established 1882. Business— Mznnt 
Insurance. Head Office — 2, Threadneedle Street, E.G. Board Day — Monday, 1.30 p.m. 
Chairman — Thomas Bell. Underwriter — P. Franks. Secretary — W. Gray. 

14/ flONAL MEDICAL AID Company, Limited. Established 1886. Business— Vxovidmg 
Medical attendance during Sickness. Offices — 80 & 80 A, Fleet Street, E.C. Secretary — 
Edmund T. Harwood. Auditor — Thomas R. Hawkins. Solicitor — ], Tickle, Grocers* 
Hall Court, E.G. 

NATIONAL MUTUAL LIFE ASSOCIATION OF AUSTRALASIA Limited. 
Established 1869. Business— lAit Assurance, ffecul Office for Great Britain dr* Ireland^ 
75 and 'jSy Comhill, London, E.G. Chairman — The Hon. Sir Saul Samuel, Bart., 
K.C.M.G., c.B. Manager — ^John Munro. Agency Manager — Herbert Winder. Auditors — 
Messrs. W. B. Peat & Co., C.A. Medical Officers— Htniy Hoole, M.D. ; G. Grahamsley 
Howitt, M.D. Solicitors — Messrs. Markby, Stewart & Go. 

NATIONAL MUTUAL LIFE Assurance Society. Established 1830. OfficesS9* King 
Street, Gheapside, E.G. Chairman — Sir Juland Dan vers, K.C.S.I. Actuary at^ 
Manager — Geoffrey Marks. Assistant Actuary — R. Todhunter, M.A. Joint Secretaries — 
Hubert G. Rowsell, and H. J. Lockwood. Medical Officers — Wm. Wadham, M.D.; 
J. A. Kingdon, F.R.C.S.; Fk. Taylor, M.D.; T. Glover Lyon, M.D. Auditors— \, B. Ball, 
F.C.A.; J. G. Bolton, f.c.a. Solicitors— C T. D. Burchell; Wilde, Moore, andWigston. 

NATIONAL PROVIDENT Institution. Established 1835. Business— UyiiwaX Life Insurance 
and Annuities. Head Office — ^48, Gracechurch Street, E. C. Board Days — Tuesday and Friday, 
2.0 p.m. Chairman — ^1^'^m. H. Willans. Actuary df' Secretary — Arthur Smither. Auditors — 
W. Cash; W. C. Jackson; G. B. Newton. Medical Officers— T. H. Green, M.D., 74, Wim- 
pole Street, W.; John Croft, F.R.C.S., 6, Mansfield Street, W. Solicitor— T, M. Morriss, 
40 & 42, Queen Victoria Street, E.G. 

NATIONAL PROVINCIAL PLATE GLASS Insurance Company, Limited. Established 
1854. Business — Insurance of Plate and other Glass. Head Office— 66, Ludgate Hill, E.G. 
Board Day — Friday, i.o p.m. Chairman — In rotation. Secretary — A. G. Cutts. Solicitors — 
Card, Hall & Rook. 

NATIONAL REVERSIONARY INVESTMENT Company, Limited. Established 
1837. Business — Purchase, &c., of Reversions. Offices — 63, Old Broad Street, E.G. 
Board Day — Wednesday, 3.0 p.m. Secretary — G. H. Ma3nie. 

NEW YORK LIFE Insurance Company. Established 1845. Business— IMt and Annuity 
Assurance. Chief Office for Great Britain and Ireland— Trafalgair Buildings, Trafalgar 
Square, W.C. General Manager — A. G.- Hawes. Secretary — W. R. Collinson. City 
Branch— 7 Sy Gheapside, E.G. Law Courts Branch— 222, Strand, W.C. 

NORTH BRITISH AND MERCANTILE Insurance Company. Established (Fire) 1809, 
(Life) 1823. Business — Fire, Life, and Annuities. Chief Offices — London: 61, Threadneedle 
Street, E.C. Edinburgh: 64, Princes Street Board Day— hondon: Alt. Wednesday, 
12.30 p.m. Edinburgh: Thursday, 3.0 p.m. Chairman — London Board: Baron Schroder. 
Edinburgh Board: In rotation. London Office: Fire Manager — G. H. Burnett. Sub- 
Managers of Fire Department — J. M. G. Johnston and W. O. Price. Sub-Manager of 
Foreign Department — Philip Winsor ; Manager of Life Department and Actuary — Henry 
Cockburn, F.I.A., f.f.a. Sub-Manager of Ltfe Department — Thomas Pringle. Secretary — 
F. W. Lance. Edinburgh Office: Manager — Philip R. D. Maclagan. Secretary — H. J. 
Stevenson. Actuary— Thorms Wallace, F.I.A. , f.f.a. fVest End Office— ^y Waterloo 
Place, Pall Mall, S.W. Chairman— C, Guy Pym, M.P. Secretary—], Gumey Fox. 
Auditor — ^James Haldane, C.A. Medical Officers — London: Sir Hermann Weber, m.d.; 
Edinburgh : J. Playfair, M. D., F.R.C. P. Edin. Solicitors — London : Bircham & Co. Edinburgh : 
Dundas & Wilson, c.s. Telegraphic Address — Norbrit, London; North, Edinburgh. 

NORTHERN ACCIDENT Insurance Company, Limited. Established 1882. Business— 
Accident, Illness and Pension Insurance, Employers* Liability, Third Party, Chemists* and 
Druggists* Indemnity, Property Owners and Estate Agents* Indemnity, Fidelity Guarantee, 
and Glass. Head Office— \% West Nile Street, Glasgow. Board Day—PiX\.. Friday. 
Chairman — A. J. Kirkpatrick. Manager 6^ Secretary — R. W. Thompson. London Office — 
23, Coleman Street, E.G. Resident Secretary— C, H. Parker. Auditor — ^John Wilson, 
C.A. Solicitors — Borland, King & Shaw, Glasgow. Telegraphic Address — Accident, 
Glasgow ; Northern Accident, London. ^^.^.^^^ ^^ (^OOg IC 



26 INSURANCE REGISTER. 

NORTHERN Assurance Company. Established 1836. Business— Fixt and Life Insurance and 
Annuities. Head Offices — i, Moorgate Street, E.G., and I, Union Terrace, Aberdeen. 
Board Day — London: Thursday, i p.m.; Aberdeen: Wednesday, 3.30 p.m. Chairman — 
London: in rotation; Aberdeen: in rotation. London Office: Secretary — R. W.Lowe; Fire 
Department: Home Superintendent — ^W. Mannering ; /foreign Superintendent—Jos. Fowler. 
Actuary y Life Department — F. Laing; General Manager — H. E. Wilson. Aberdeen Office: 
Resident Manager— TYiomzs Kyd. Secretary— Wm. P. Sherriff. Auditors— T. A. Welton; 
Andrew Davidson. Medical Offiicers — London: John A. Kingdon, F.R.C.S.; Aberdeen: 
Robert John Garden, m.d. Solicitors — London: Lyne & Holman; Aberdeen: Adam, 
Thomson & Ross. Telegraphic Address — Northern, London; Northern, Aberdeen; and 
Branches. 

NORTHERN MARITIME Insurance Company, Limited. Established 1863. Business— Uatoa 
Insurance. Head Office — Maritime Buildmgs, Newcastle-on-Tyne. Chairman — John Stanley 
Mitcalfe. Underwriter— J, Feiguson. 

NORWICH AND LONDON ACCIDENT Insurance Association. Established 1856. 
Business — Accident, Fever, Workmen's Compensation, Employers* Liability, Third Party 
Indemnity, Fidelity Guarantee, Plate Glass, Burglary and Hail. Head Office — St. Giles' 
Street, Norwich. Board Day — Monday, 4.0 p.m. Chairman — George Forrester. Manager- 
Sir C. R. Gilman. Secretary— C, S. Gilman. London Office — City : 1 14, Cannon Street, E.C. 
London Manager— C J. Beecheno. West End: 13, Waterloo Place, S.W. Branch 
Manager — Walter E. Jones. Auditors — W. R. Coop>er; J. B. Forrester. Solicitors— 
Gilman & Son, Norwich. Telegraphic Address— GiLMAV, Norwich. 

NORWICH UNION FIRE Insurance Society. Founded 1797. Business— Fiie Insurance. 
Head Office — Surrey Street, Norwich. Board Day — Monday, 2.0 p.m. Chairman — Major 
F. A. Cubitt. Secretary — C. A. Bathurst Bignold. Assistant Secretary — R. K. Mackenzie. 
Ij>ndon Q^<r«— 50, Fleet Street, E.C.; 71 & 72, KingWilliam Street, E.G.; 195, Piccadilly, W.; 
I, Victoria Street, S.W.; and 31, Lincoln's Inn Fields, W.C. London Manager — C. E. Noverre. 
Auditors — T. J. Richardson; A. Mottram. Solicitor — F. Oddin Taylor, Norwich. Telegraphic 
Addresses — Norwich Union, Norwich; (Fleet Street) Norwich Fire, London. 

NORWICH UNION LIFE Insurance Society. Established 1808 (with which is incorporated 
the Amicable Society, founded in 1706). Business — Mutual Life Insurance and 
Annuities. Hecui Office — Surrey Street, Norwich. Board Day — Monday, 12.0 noon. 
Chairman— T. C. Blofeld. Actuary <Sr» Secretary—], J. W\ Deuchar, F.F.A., F.I. A. 
Assistant Secretary — Davidson Walker, F.F.A. Assistant Actuary — W. B. Paterson, 
F.F.A. London Offices— $0, Fleet Street, E.C.; 195, Piccadilly, W.; 71 & 72, King William 
Street, E.C.; i, Victoria Street, Westminster; 3 & 4, Lincoln's Inn Fields, W.C. London 
Manager — G. H. Emmet. Auditors — T. J. Richardson ; J. B. Aldis. Medical Officers — Sir 
Hugh R. Beevor, Bart., 50, Fleet Street; Dr. J. W. Ogle, 71, King William Street, E.G. 
Solicitor— '^'^v^m Thos. Hartcup, Norwich. Telegraphic Addresses — Life, Norwich; 
NoRFOLCiAN, London; Bonus, Birmingham; Norwich Union, Bristol and Dublin; 
Nero, Liverpool; Proposal, Manchester; Norwich, Glasgow; Life, Newcastle; Relmutu, 
City Office; Norwich Union, Westminster. 

OCEAN ACCIDENT AND GUARANTEE Corporation, Umited. Founded 1871. 
Business — Insurance against Accidents, Fidelity Guarantee, Employers' Liability, Burglary, 
Third Party, Mortgages, and Sickness. Head Offices — 40-44, Moorgate Street, E.C. Boara 
Day — Tuesday, li.oa.m. Chairman — Thomas Hewitt. General Manager b^ Secretary — 
Richard J. Paull. Auditors — Cooper Brothers & Co. Telegraphic Address — Ocean, London. 

OCEAN MARINE Insurance Company, Limited. Established 1859. Business — Marine 
Insurance. Head Office — 2 & 3, Old Broad Street, E.C. Chairman — H. J. Jourdain, C.M.G. 
Underwriter — P. Secretan. Secretary — Alfred Price. 

OLDHAM FIRE Insurance Company, Limited. Established 1862. Business — Fire Insurance. 
Offices— ^^ Clegg Street, Oldham. Secretary— ], Clegg. 

PALATINE Insurance Company, Limited. Established 1886 (continuing the business of the 
Mutual Fire Insurance Corporation, established 1870). Business — Fire, Accident, Employers' 
Liability and Fidelity Guarantee Insurance. Head Office — 32, Brown Street, Manchester. 
Chairman — Thomas Brooke. General Manager — J. N. Lane. London Office — loi, Cheapside, 
E.C. J/a/w^<fr— Hubert White. West End Branch— %i, St. James's Street, S.W. 
Auditors — ^J. C. Stead ; E. Guthrie. Solicitors — Partington & Allen, Manchester. Telegraphic 
Address — Pallene, Manchester; Pallene, London. 



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INSURANCE DIRECTORY. 27 

PATRIOTIC Assurance Company. Established 1824. Business — Life and Fire Insurance. 
Head Office— g. College Green, Dublin. Board Days — Tuesday and Friday. Chairman — 
In rotation. Manager — Bernard H. O'Reilly. Sub-Manager — ^John Antonio. Actuary — 
Samuel Hunter. London Office — 69, King William Street, E.C. London Manager— Charles 
E. Strong. Auditors — L. Mulligan; G. Carolin. MediccU Officers — Dublin: John W. 
Moore, M.D.; Sir Christopher J. Nixon, M.D. London: T. Gilbart Smith, M.D., f.r.c.p. 
Solicitors — Dublin : R. H. Beauchamp. London : Grover& Humphreys. Telegraphic Address — 
Patriotic, Dublin: Patriotic, London. 

PEARL LIFE Assurance Company, Limited. Established 1864. Business — Life Insurance 
(Ordinary and Industrial) and Annuities. Head Office — London Bridge, City, E.C. Board 
Days — Monday, Wednesday, and Friday, 2.0 p.m. Chairman — ^James Roll. Managing 
Director— V, J. Foley. Auditors— Vf. C. Hall; Clark, Battams & Co. Medical Officers— 
R. Norris Wolfenden, M.D., Richard Lake, f.r.cs. Solicitors — George Turner; Hicklin, 
Washington & Pasmore. Secretary^ohn H. Keene. Actuary — C. H. E. Rea. Telegraphic 
Address — Mercedes, London. 

PELICAN LIFE Insurance Company. Established 1797. Business — Life Insurance. Head 
Office — 70, Lombard Street, E.C. Board Day — Wednesday, 1.30 p.ip. Actuary <5r» 
GenercU Manager — ^James Sorley, F.I.A., F.R.S.E. Assistant Actuary— -J. Howard Barnes, 
F.I. A., F.S.S. Agency Manager— A, E. White. IVestEnd Office— $T, Charing Cross, S.W. 
Auditors — Turquand, Youngs & Co. Medical Officer — T. Boor Crosby, M.D., 13, Fenchurch 
Street, E.C. Solicitors— Bsiwes & Sons, 9, Angel Court, E.C. 

PHCENIX FIRE Office. Established 1782. Business— Fiie Insurance. Head Office— 1% Lom- 
bard Street, E.C. IVest End Office— ^1, Charing Cross, S.W. Board Z^a;/— Wednesday, 
i.o p.m. Chairman — In rotation. Joint Secretaries — W. C. & F. B. Macdonald. Auditors — 
Charles Lee Nichols, f.c.a. ; Thos. Douglas Murray; Colonel Sir Walter George Sterling, 
Bart. Solicitors— "Davits & Sons, 9, Angel Court, E.C. 

PIONEHR LIFE Assurance Company, Limited. Established 1891. Business — Life and 
Accident Insurance. Head Office — ii, Dale Street, Liverpool. Chairman — Richard 
Bennett. Agency Manager — ^J. R. Ormerod. Secretary — W. C. Laing, A.I.A. 

PLATE GLASS Insurance Company. Established 1852. Business — Plate Glass Insurance. 
Head Office — 53, Lime Street, E.C. Surrey Branch — 27, Borough, South wark. Board 
Day — Tuesday, 11. o a.m. Managing Director — Edward P. G. Rogers. Secretary — 
Frederick J. Austin. Solicitors — Lindsay, Greenfield & Mason, 11, Ironmonger Lane. 

PRIMITIVE METHODIST Insurance Company, Limited. Established 1866. Business— 
Fire Insurance. Head Office — 63, Bishopthorpe Road, York. Secretary — ^J. Atkinson. 

PROVIDENT FREE HOME Assurance Company, Limited. Established 1889. Business— 
Life Insurance. Head Office — Bishopsgate Street Without. Managing Director — Baron 
Profumo. 

PROVIDENT CLERKS' AND GENERAL ACCIDENT Insurance Company, Limited. 
Established 1876. Business — Accident Insurance. Hecul Office — 61, Coleman Street, E.C. 
Board Day — Wednesday, I.op.m. Chairman — G. Acton Davis. Secretary — Herbert B. Brain. 
Atiditors — W. J. Grinling; C. Woolley, F.S.A.A. Solicitors — Wansey, Bowen & Co., 28, 
Moorgate Street, E.C. Telegraphic Address — Perpend, London. Telephone — 5210 Bank. 

PROVIDENT CLERKS' AND GENERAL GUARANTEE Association, Limited. 
Established 1865. Business— Yi^eXViy Guarantee. Head Office — 61, Coleman Street, E.C. 
Board Day — Wednesday, i.o p.m. Chairman — G. Acton Davis. Secretary — Herbert B. 
Brain. Auditors — T. H. Ayers; E. Sayre. Solicitors — W^ansey, Bowen & Co., 28, Moorgate 
Street, E.G. Telegraphic Address — Perpend, London. Telephone — 5210 Bank. 

PROVIDENT CLERKS' MUTUAL LIFE Assurance Association. Established 1840. 
Business — Mutual Life Insurance and Annuities. Head Office — 27 & 29, Moorgate Street, 
E.C. Board Day — Wednesday, I.o p.m. Chairman — Edward Coleman. Secretary — ^John 
Edward Gwyer. Consulting Actuary — T. E. Young, B.A., f.i.a. Auditors — Goymour 
Cuthbert; John W. Woodthorpe; John Wm. Crawfurd. Medical Officers— ^^xawsX West, 
M.D. ; F. S. Eve, f.r.cs. Solicitors — Wansey & Bowen. 

PROVIDENT LIFE OFFICE. Established 1806. i?««««j— Life Insurance. Head Office— 
50, Regent Street, W. Board Day — Friday, 2.0 p.m. Chairman — Rt. Hon. Lord 
Kinnaird. Managing Director — Seymour A. Beaumont. Actuary <Sr* Secretary — Charles 
Stevens. City Branch— i^^ Comhill, E.C. il/<2«a^^r— Edward H. Hoddinott. Auditors — 
H. B. Halswell; Alfred Preston; Thomas Fisher. Medical Officer— K, Willett, 
F.R.C.S., 36, Wimpole Street. Solicitors — Pears, Ellis & Pears, 8, Sackville Street, W. 
Telegraphic Address — Provident Life, London. , v^^^i^ 

Digitized by VjOOQ Ic 



28 INSURANCE REGISTER. 

PROVIDENT PLATE GLASS Insurance Company, Limited. Established 1885. Head 
Office — Perry Barr, Birmingham. Chairman — Lewis S. Richards. Managing Director— 
William B. Winckle. 

PRUDENTIAL Assurance Company, Limited. Established 1848. ^mwi^jj— Ordinary and 
Industrial Life Insurance and Annuities. Head Office — Holbom Bars, E.C. Board bay — 
Thursday, i.op.m. Chairman — Edgar Home. Managers — Thomas C. Dewey; William 
Hughes. Sub-Manager— Y, Fisher. Actuary— T, Schooling. Secretary — William 
John Lancaster. Auditors — A. Day; P. Secretan; Deloitte, Dever & Griffiths. Medical 
Officers—^, S. F. Barnes, M.D., F.R.S.E.; A. J. G. Cross, M.D. Solicitors— ^zxnzxA & 
'faylor, 47, Lincoln*s Inn Fields; Hanhart & Co., 20, Southampton Street, W.C.; Phillips, 
Son & Vsillings, 27, Nicholas Lane, E.C.; D. Wintringham Stable, 142, Holbom Bars, 
E.C. Telegraphic Address — Prudential, Holbom, London. 

RAILWAY PASSENGERS' Assurance Company. Established 1849. ^»Jtff^xj— Accidents 
of all kinds. Accident and Disease, Railway Accidents, Accidents at Sea, Employers' Liability, 
Workmen's Accidents, and Fidelity Guarantee. Head Office— d^^- Comhill, E.C. Board 
Day — Tuesday, 12.30 p.m. Chairman — Rt. Hon. Evelyn Ashley. Secretary — A Vian. 
Auditors— 'I, C. Bates; P. M. Evans, F.CA. ; R. Yeats. Medical Officer—]^. W. Page, M.c, 
F.R.C.S., 146, Harley Street, W. Solicitors — Ingram, Harrison & Ingram, Lincoln's Inn 
Fields.; Bircham and Co., 50, Old Broad Street. 

REFUGE Assurance Company, Limited. Established 1864. Business — Ordinary and 
Industrial Life Insurance. Head Office— Oidox& Street, Manchester. Board Day — ^Alt. 
Thursday, ii.o a.m. Chairman — W. Proctor. Manager — William Proctor. Actuary-- 
W. H. Aldcroft, F.I.A. Secretary— K, Moss. Auditors— K, Hopewell; C. Hadfield. 
Medical Officer — T. Young, M.D., Manchester. Solicitors — Peacock & Jaques, Manchester. 
Telegraphic Address — Refuge, Manchester. 

RELIANCE MARINE Insurance Company, Limited. Established 188 1. Business — Marine 
Insurance. Head Office — Exchange Buildings Liverpool. Board Day — Monday. Chairman— 
W. Blain. Secretary — W. Brooke Broadbent. Underwriter — ^J. Pemberton. London 
Office — 27, Comhill. New York Office — Exchange Place. Paris Office — 33, Rue Vivienne. 
Telegraphic Address — Reliance, Liverpool; Reliance, London. 

REVERSIONARY AND GENERAL SECURITIES Company, Limited. Established 
1888. Business — Purchase and Sale of Life Interests, Reversions, Policies, and other 
Securities, and Loans thereon, Negotiations of Insurances of all descriptions, and Financial 
business generally. Offices — Craven House, Northumberland A venue, W.C. General Manager— 
Harry Burr. Secretary — Arthur J. Hicks. Telegraphic Address — Actuarial, London. 
Telephone No, 2616 Gerrard. 

ROCK LIFE Assurance Company. Established 1806. Business — Life Assurance, Annuities, 
Survivorship and Capital Redemption Policies. Head Office — 15, New Bridge Street. Board 
Day — Thursday, 12.0 noon. Chairman — Sir Chas. Rugge -Price, Bart. Actuary — Geoi^e 
S. Crisford, F.I.A. Assistant Actuary — Arthur B. Woods, A. I. A. Agency Superintendent— 
G. Duncan Deuchar. Auditors—], W. Orde; E. C. Fache; G. J. Newbery; Medical 
Officers— ¥, de Havilland Hall, m.d., F.R.C.P. ; James B. Ball, M.D., M.R.C.P. 
Solicitor^. W. Price, 61, Carey Street, Lincoln's Inn. Telegraphic Address — Crisford, 
London ; Telephone No. 48 Holborn. 

ROYAL Insurance Company. Established 1845. Business— Fire and Life Insurance and 
Annuities. Head Office — Liverpool: Royal Insurance Buildings, I, North John Street 
London Office — 28, Lombard Street, E.C. Board Day — Liverpool: 1st or 2nd Tuesday. 
Chairman— H. H. Hornby. Manager— Chzxles Alcock. Sub- Manager— Y, J. Kingsley. 
Board Days — ^Wednesday and Friday, 3.0 p.m. Chainnan — ^William L. Watson. Secretary — 
John H. Croft. Auditors — ^Jas. M. Calder; John Dempster. Medical Q^^j —Liverpool: 
J. B. Nevins, M.D., and T. R. Glynn, M.D., F.R.C.P. London: Edward C Hulme, F.R.C.S.; 
Henry Hoole, M.D. Solicitor— Y\xC^'^ F. Gamett, Liverpool. Telegraphic Address — Royal, 
Liverpool; Princely, London. 

ROYAL EXCHANGE Assurance Corporation. Established 1720. Business — Life, Fire and 
Marine Insurance and Annuities. Head Office — Royal Exchange, E.C. Board Day— 
Wednesday. Committee — Daily, 12.30 plm. G^w^^'w^7r— James Stewart Hodgson. Secretary— 

E. R. Handcock. Actuary— Yisxrf Y., Nightingale, F.I.A. Underwriter — Stockdale Toulmin. 
Manager of Fire Department—], Heron Duncan. Accountant — A. Lawrence. Cashier— 

F. J. King. West End Branch— 2^, Pall Mall, S.W. Manager— Y, H. M. Wayne, 
Medical Officers — ^J. A. Kingdon, F.R.C.S. Edin., 2, Bank Buildings, E.C.; Montagu 
Lubbock, M.D., 19, Grosvenor Street, W. Solicitor— Y, C. Nightingale, 2, Crown Court, 
Old Brosid Street. Telegraphic Address — Foxhound, London. # ^^^1^ 

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INSURANCE DIRECTORY. 29 

ROYAL LIVER FRIENDLY Society. Established 1850. ^kji/^jj— Industrial life Insurance. 
Head Office — Prescot Street, Liverpool. Board Day — Daily. Chairman — A. W. Clayton. 
Secretary — Frank H. Taunton. Auditors — Harmood, Bannei*& Son; Welch & Parkinson. 
Solicitors — Bremner, Sons & Corlett, Liveri)ool. London Offices — i8i, Queen Victoria 
Street, E.C. Telegraphic Address^LiYRR. Society, Liverpool. 

ROYAL LONDON FRIENDLY Society. Established 1861. ^f^Wfj— Industrial Life 
Insurance. Head Office — 6, Paul Street, Finsbury. Board Day — Daily. Chairman — In 
rotation. Secretary — W. H. Hambridge. Consulting Actuary — F. G. P. Neison, F.I.A. 
Auditors^TAXy & Co., C.A.; Jackson, Pixley & Co. Medical C^er—Thos. Gumey. 
M.D., 44, Finsbury Circus. Solicitors — Makinson & Co.; Hicklin Washington & Pasmore. 
Telegraphic Address^TKOY i^Ej London. 

ROYAL NATIONAL PENSION FUND FOR NURSES. EstabUshed 1887. Business-- 
To provide Pensions and Sick Pay for Nurses. Cffices — 28, Finsbury Pavement. Board Day — 
1st Thursday. Chairman — Everard A. Hambro. Deputy Chairman — Sir Henry Burdett, 
K.CB. Consulting Actuary — George King, F.I.A., F.F.A. Secretary — Louis H. M. Dick. 
Auditor—¥, W. Whinney, f.ca. Medical Officer-^, W. Potter, m.d. Solicitor^ 
Perceval A. Naime. 

SCEPTRE LIFE Association, Limited. Established 1864. Business-^Uft Insurance. Head 
Office — ^40, Finsbury Pavement, E.C. Board Day — Thursday, 3 p.m. Chairman — Samuel 
Wright. Secretary— y G. Phillips. Auditors— 1, G. Benson F.C.A.; J. D. Lewis, f.ca. 
Medical Officer—^ Bentham, M.D., Willesden, N.W. Solicitors— l/izy^ Sykes & Co., 
Suffolk House, Laurence Pountney Hill, E.C. 

SCOTTISH ACCIDENT LIFE AND FIDELITY Insurance Company, Limited. 
Established 1877. Business — Personal Accident, Life and Fidelity Insurance. Chief 
Office — 115, George Street, Edinburgh. Chairman — Charles Tennant Couper. Manager — 
Martin L. Martin. Secretary — Harry Armour. London Office — 27, Nicholas Lane, E.C. 
London Secretary — ^John R. Haswell. Auditors — Moncrieff & Horsbrugh, c.A. Medical 
Officers — Edinburgh: T. R. Ronaldson, m.b., F.R.C.S.E.; London: A. W. Orwin, M.D. 
Solicitors—], & R. A. Robertson, Edinburgh. Telegraphic Address— ^lonA, Edinburgh; 
Scottish, London. 

SCOTTISH ALLIANCE Insurance Company, Limited. E|stablished 1888. Business— Fin 
Insurance and Fidelity Guarantee. Head Office — Scottish Alliance Buildings, 151, St. 
Vincent Street, Glasgow. Board Day — First Tuesday in every month. Chairman— John 
Shearer, j.p. General Manager and Secretary — ^W. A. Tipping. London Office — 76, Queen 
Street, Cheapside, E.C. London il/a»^^— -William Jopson. Auditors — M*Clelland, 
Mackinnon & Co., c.A.; Graham & Co., C.A« Solicitors— iHzx^m, Mackay & Macquaker, 
Glasgow. Telegraphic Address— ^coviis^s. Alliance, Glasgow. 

SCOTTISH AMICABLE LIFE Assurance Society. Established 1826. BuHness-Uit 
Insurance and Annuities. Hecui Office — 35, St. Vincent Place, Glasgow. Board Day — Thursday, 
12.30 p.m. President — Rt. Hon. Lord Kelvin, G.cv.o. & C. Manager &^ Actuary — 
N. B. Gunn, f.i.a., f.f.a. Secretary — William G. Spens. London Office — i, Threadneedle 
Street, E.C. Board Day — Monday, 1.30 p.m. Secretary— \. R. Eccles. Medical Officers— 
Glasgow: Wm. Jas. Fleming, M.D. London: F. Boor Crosby, M.D. Solicitors— oSssgo-^ \ 
Hill & Hoggan. London : Markby, Stewart & Co. Telegraphic Address — Salas, Glasgow. 
Amicissimo, London. 

SCOTTISH BOILER Insurance and Engine Inspection Company, Limited. Established 1881. 
Business — Boiler Insurance and Inspection. Head Office — 1 11, Union Street, Glasgow. 
Board Day — 2nd Wednesday. Chairman — W. Clark. Managing Director — ^J. D. Young. 
Manchester (Mice — 7, Brazenose Street. yi«wff/^— John Wilson, c. a. Solicitors — Andersons 
& Pattison, Glasgow. Telegraphic Address — Inspector, Glasgow; Steam, Manchester. 

SCOTTISH EMPLOYERS' LIABILITY and General Insurance Company, Limited. 
EstabUshed 1881. Business — Employers' Liability, Personal Accident, Sickness Annuities 
and Fidelity Guarantees. Head Office — 9, King Street, Aberdeen. Board Day — Tuesday. 
Chairman — ^A. O. Gill. General Manager—^. Davidson. London Office — 88, Cannon 
Street, E.C. Resident Secretary— Ik, T. Thomson. Head Office for Ireland— '^1-2, Nassau 
Street, Dublin. District Manager — ^John Fraser. Auditors — Meston & Co., c.a. Medical 
Officer — Professor A. Ogston, M.D., Aberdeen. Solicitor— J ennts S. Butchart, Advocate, 
Aberdeen. Telegraphic Address— Liability , Aberdeen; London; Glasgow; Manchester; 
Edinburgh; Birmingham; Dublin. Digitized by L^OOglC 



30 INSURANCE REGISTER. 

SCOTTISH EQUITABLE LIFE Assurance Society. Established 1831. Business— Uutaal 
Life Insurance. Ifgad Office — 26, St. Andrew Square, Edinburgh. Board Day — Thursday, 
3.0 p. m. Chairman — In rotation. Manager 6r* Actuary — Thomas Bond Sprague, M. A. , ll, d. 
Secretary — J. J. McLauchlan. Assistant Secretary — D. Y. Mills. Assistant Actuary— 
J. M. Warden. London Office— -1% King William Street, E.G. Mesident Secretary— ¥. R. 
Leftwich. Auditor— li\x^B\aXt^ C.A. MediccU Officers — Edinburgh : John Wyllie, M.D., ll.d. 
London: City — L. Ogilvie, M.B., CM.; G. Fitzgerald, M.B., cm. West End — Wm. Aldren 
Turner, M.D. Solicitors — Edinburgh: John P. Wright. London: Burton, Yeates & Hart. 
Telegraphic Address — Semlas, Edinburgh; Life, London. 

SCOTTISH GENERAL FIRE Assurance Corporation, Limited. Established 1895. 
Business— Firt only. Ifead Office — ^42 & 44, Tay Street, Perth. Board Day — ist Monday. 
Managing Director — F. Norie Miller. Glasgow Office — 28 Renfield Street. London Office— 
4, Abchurch Yard, E.C. Telegraphic Address — Accident, Perth; Applicable, Glasgow; 
Applicable, London. 

SCOTTISH IMPERIAL Insurance Company. Established 1865. Business— Ud^ Insurance. 
Head Office — 183, West George Street, Glasgow. Board Day — Wednesday, 1.15 p.m. 
Chairman — ^James Finlayson. Manager — T. W. Watson. Secretary — ^J. Stirling, f.f.a. 
London Office— i Si King William Street, E.C. London Secretaty—W, G. O. Lindsay. 
Manchester Office — 10, Kennedy Street. Manchester Secretary — J. Hurry. Auditor— 
J. Roxburgh Strong, c A. Medical Officers — Glasgow : Professor McCall Anderson. London : 
Sir Dyce Duckworth (Honorary). Solicitors — Aiken & Co., Glasgow. Telegraphic Address— 
Sceptre, Glasgow; Tartan, London. 

SCOTTISH LEGAL LIFE Assurance Society (Friendly Society). Established 1852. 
Business — Industrial Life Insurance. Head Office — Wilson Street, Glasgow. Board Day— 
Thursday. Chairman — P. Macveigh. Secretary — David Fortune, J. P. Treasurer — William 
Thorn. Auditors — Moore, Carson & Watson; Alexander Sloan. Solicitors — Maclay, Murray 
& Spens, Gla^ow. Telegraphic Address — Legal, Glasgow. 

SCOTTISH LIFE Assurance Company, Limited. Established 1 88 1. Business— Liit, Accident 
and Annuities. Head Office — 19, St. Andrew Square, Edinburgh. Board Day — Wednesday, 
2.30 p.m. Chairman — Sir Arthur Mitchell, K.C.B., M.D. Manager — David Paulin, f.f.a., 
F.R.S.E. Secretary &f Actuary — ^James Chatham, F.F.A., F.I.A. Joint Secretary — Lewis P. Orr, 
F.F.A. London Office — 13, Clements Lane, E.C. London Secretary — George Struthers. 
Auditors — ^A. &J. Robertson, CA. Medical (9^^j— Edinburgh : J. Graham Brown, m.d. 
London : Leslie Ogilvie. Solicitors — Macrae, Flett & Rennie, w.s., Edinburgh. Telegraphic 
Address — SCOTTISH, Edinburgh. 

SCOTTISH METROPOLITAN LIFE Assurance Company. Established 1876. Business— 
Life Insurance, Accident, and Annuities. Head Office — 25, St. Andrew Square, Edinburgh. 
Board Day — Tuesday, 3.30 p.m. Governor — Right Hon. J. H. A. Macdonald, c.B. 
Manager — William Gibson Bloxsom. Secretary — W. R. Macdonald, f.f.a. Secretary to 
Accident Department — ^W. Swan Parker. Assistant Secretary — Andrew Cunningham. 
Inspector— K. F. Kedslie. London Offices — 8, King Street, Cheapside, E.C., and 3, Regent 
Street, St. James's, S.W. Auditors — Scott Moncrieff, Thomson & Shiells, CA. Medical 
Officers — Edinburgh: James Ritchie, M.D. London: G. W. Potter, m.d.; John Waugh, 
M.A., M.D. Solicitors — Philip, Laing& Co., Edinburgh. Telegraphic Addresses — Bloxsom, 
Edinburgh; Freedom, London. 

SCOTTISH PLATE GLASS Insurance Company, Limited. Established 1870. Business— 
Glass Insurance. Head Office — 93, George Street, Edinburgh. Board Day — 3rd 
Tuesday. Chairman — T. A. C. Mortimer, J.P., Secretary — W. J. Walker. London 
Office — 56, Finsbury Pavement, E.C. Resident Secretary — C. G. Fergusson. Auditors — 
A. & J. Robertson, CA. Telegraphic Address— Glass Insurance, Edinburgh. 

SCOTTISH PROVIDENT Institution. Established 1837. Business— Mutual Life Insurance 
and Annuities. Head Office — 6, St. Andrew Square, Edinburgh. Board Day — Tuesday, 
3.0 p.m. Chairman — In rotation. Manager — ^James Graham Watson, jfoint Secretaries — 
John Lamb and H. R. Cockbum. Actuary — ^James Meikle. Inspector — W. M. Monilaws. 
London Office— ly^ King William Street, E.C. Resident Secretary—^, Muir Leitch. 
Auditor— Hon. F. J. Moncreiff, CA. Medical Officer—], Duncan, M.D., Edinburgh. 
Solicitor— George M. Paul, w.s., Edinburgh. Telegraphic Address— Vrovibeut, Edinburgh. 

SCOTTISH REVERSIONARY Company. Established 1878. Business— ^ichase of or 
Loans on Policies of Assurance, Reversions, &c. Offices— ;^^y Charlotte Square, Edinburgh. 
Board Z^flj/— Tuesday. Chairman — James Wallace, Sheriff of Dumfries and Galloway. 
Manager — J. A. Robertson, CA., f.f.a. Secretary — A. W. Mosman, CA. Auditors— 
Lindsay, Jamieson & Haldane, CA. Solicitors — Bruce, Kerr, & Bums, w.s., Edinburgh. 
Telegraphic ^^r«j— Robertson, Edinburgh. ^.^.^.^^^ ^^ L,OOg IC 



INSURANCE DIRECTORY. 31 

SCOTTISH TEMPERANCE LIFE Assurance Company, Limited. Established 1883. 
Business — Life and Accident Insurance. Head Office — 81, Renfield Street, Glasgow. 
Board Day — Friday, i.op.m. Chairman — ^John Wilson, M.P. Manager — Adam K. Rodger. 
London Office — 96, Queen Street, Cheapside. Branch Manager — W. A. Bowie. Auditor — 
Thomson McLintock, C.A. Medical Officers — A. Wood Smith, M.D., Glasgow; Neil 
Carmichael, m.d. Solicitors — Lindsay, Meldrum & Oatts, Glasgow. Telegraphic Address — 
Temperance, Glasgow. 

SCOTTISH UNION AND NATIONAL Insurance Company. Established 1824. Business— 
Fire, Life, and Annuities. Hecui Office — 35, St. Andrew Square, Ekiinburgh. Board Day— 
Friday, 3.0 p.m. Chairman — In rotation. General Manager — A Duncan. Secretary — 
J. K. Macdonald. Actuary — Colin M'Cuaig, F.F.A. Auditor — ^Tas. A Molleson, c.A. 
London Office— ^y King William Street, E.C. Board Z?a^— Wednesday, 12.30 p.m. 
Secretcuy — William Porteous. Assistant Secretary — Wm. G. Glennie. Medical 
Officer — Edinburgh: Byrom Bramwell, M.D., F.R.C.P.E. London: A B. Duffin, m.d. 
Solicitors — Edinburgh: John Cowan, w.s. London: Young, Jones & Co. Telegraphic 
Address— U HIT ATE, Edmburgh; FORTIOR, London. 

SCOTTISH WIDOWS' FUND LIFE Assurance Society. Established 1815. Business- 
Life Assurance and Annuities. Head Office — 9, St. Andrew Square, Edinburgh. Board Day — 
Tuesday, 3.0 p.m. President — Duke of Richmond and Gordon. Manager dr* Actuary — 
Aw. H. Tumbull. Secretary — ^J. J. P. Anderson. Assistant Secretary — ^J. G. C. Cheyne. 
CcLshier — W. F. Anderson. Accountant — A. Donaldson. Assistant Actuary — Geo. C. Stenhouse. 
London Office— 2%, Comhill, E.C. Secretary—], W. Miller. Assistant Secretary— K. E. 
Sceales. West End Office — 5, Waterloo Place. Resident Secretary — ^James Caverhill. 
Auditor — ^James Haldane, C.A. Medical Officers — Edinburgh: Claud Muirhead, m.d. 
London: P. H. Pye-Smith, m.d. Solicitors — Edinburgh: James Auldjo Jamieson, 
w.s. London: Freshfields & Williams. Telegraphic Address— ^iT>oviSy Edinburgh; 
Widows, London. 

SEA Insurance Company, Limited. Established 1875. Business — Marine Insurance. Offices — 
Exchange Buildings, Liverpool. Chairman— James Barrow. Underwriter — William 
Bates. Secretary — W. A. Edwards. Auditors — J. W. Davidson, Cookson & Co. Solicitors — 
Stone, Fletcher, Hull & Stone, Liverpool. Tel^aphic Address-^SEA, Liverpool. 

SECURITY Company Limited. Established 1889. Business — Insurance against Burglary, 
Guarantee of Fidelity, and providing Safe Deposits. Hecui Office— 6^, St. James's Street, 
S.W. City Office— IT, Gracechurch Street, E.C. Branch CJ^f^J— Birmingham : 3, Newhall 
Street. Glasgow: 157, Buchanan Street. Liverpool: 22, Lord Street. Leeds: 69 & 71, 
Albion Street. Newcastle: 5, Grey Street. Manchester: 4, Corporation Street. 
Chairman — Colonel Sir C. E. Howard Vincent, C.B., M.P. Chief Inspector — Charles 
M. Hagen. Secretary — Frank B. Ritchie. Assistant Secretary — N. B. Tyrwhitt. Auditors — 
Prideaux, Booker, Frere & Co. Telegraphic Addresses — Lockup, London; Lockfast, 
Glasgow; Foiled, Birmingham; Safe Deposit, Leeds; Acceptance, Manchester. 

SICKNESS, ACCIDENT, AND LIFE Assurance Association, Limited. Established 1885. 
Business — Sickness, Accident, Life, Employers' Liability, and Fidelity Guarantee. Head 
Office — 24, York Place, Edinburgh. Board Day — Alt. Monday. Chairman — ^J. Canmbell 
Lorimer. Manager — Henry Brown. Secretary — Andrew J. Young. London Office — 
35, Moorgate Street, E.C. Secretary—], H. McNeill. Auditors— l/i.2,csji6.reyf & 
Blair, C.A. Medical Officer — ^John Playfair, m.d., Edinburgh. Solicitors — Ronald & Ritchie, 
Edinburgh. TV/f^a/liv -<4^^r«j— Accident, Edinburgh ; Sickness, London. 

STANDARD LIFE Assurance Company. Established 1825. Business — Life Assurance and 
Annuities. Head Offices — 3, George Street, Edinburgh. Board Day — Tuesday, 3.0 p.m. 
Chairman — In rotation. Manager dr» Actuary — Spencer C Thomson, b.a. Cantab., f.f.a., 
F.i.A. Secretary— G, Oliver. London Office— Ss, King William Street, E.C. IVest End— 
3, Pall Mall East, S.W. Board Day — Thursday, i.o p.m. General Secretary for England— 
J. H. W. RoUand. • Auditor— G, Todd Chiene, C.A. Medical Q^r^rj— Edinburgh: 
T. R. Eraser, m.d. London: Sir Joseph Fayrer, Bart., m.d.; J. Johnston, m.d.; Leslie 
Ogilvie, M.B., M.R.C.P. Solicitors— FAmbMT^ I Dundas & Wilson. London: Minet, 
Harvie & May; J. E. Fox & Co. Telegraphic Address — Standard, Edinburgh and 
Dublin; Millions, Glasgow; Influential, London; Palmilla, London, W.C. Office; 
Sanitas, Newcastle; Policy, Leeds. 

STANDARD BAARINE Insurance Company, Limited. Established 187 1. Business— Mzxmt 
Insurance. Hecui Office — i, Water Street, Liverpool. Board Day — 1st Thursday. 
Chairman — ^John Williamson. Underwriter — W. A. Williams. Secretary — John Gick. 
Auditors — Harmood, Banner & Son. Solicitors — Stone, Fletcher, Hull & Stone, Liverpool. 
Teiegrapkic ^^rw-SxANDARD. Liverpool. ^.^.^.^^^ byCnOOglC 



32 INSURANCE REGISTER. 

STAR LIFE Assurance Society. Established 1843. Business — Life Insurance and Annuities. 
Head Office— -^2, Moorgate Street, E.G. Board Z?ay— Wednesday, 11.30 a. m. Chairman— 
John Vanner, J.P. Actuary &* Secretary — Henry Gamble Hobson. Auditors — S. Lord; 
A. J. Hill, F.C.A. Accountant—^, S. Brocklehurst. Medical Officers— %. H. Habershon, 
M.D.; R. C. Lucas, B.S.; H. Barrett, M.R.C.S. Solicitors— im^ty Holmes & Sons. 
Telegraphic Address—STAK Life, London. 

STATE FIRE Insurance Company, Limited. Business — Fire Insurance. Ifead Office— 
A9, Exchange Buildings, Liverpool. Manager &* Secretary — James Allan Cook. London 
Office— II & 14, Abchurch Lane, E.C. 

SUN Insurance Of&ce. Established 17 10. Business— Fixe Insurance. Head Q^<^— Threadneedle 
Street, E.C. Branch Offices — London: 60, Charing Cross; Oxford Street, comer of Vere 
Street; '40, Chancery Lane, and 42, Mincing Lane. Chairman — Frederick Henry 
Norman. Secretary — Edward Baumer. Assistant Secretaries —Geo. Mead; John Smith. 
Auditors — Spain Brothers & Co. Telegraphic Address — Sun Fire, London. 

SUN LIFE Assurance Society. Established 1810. Business — Life and Accident Insurance. Head 
Office — 63, Threadneedle Street, E.C. Board Days — Every day except Saturday, i.o p.m. 
Chairman — M. R. Pryor. Deputy- Chairman — C. A. Scott-Murray. Secretary &^ Principal 
Officer — E. Linnell. Actuary — Richard Sewell. Auditors— \^, Pole; John Gane, f.ca. 
Medical Officers— Nestor Tirard, M.D., F.R.C.P., 74, Harley Street, W.; William Elliot 
Risdon, M.D., B.S., 81, Chancery Lane, E.C. Telegraphic Address — Sun Life, London. 

SUN LIFE ASSURANCE COMPANY OF CANADA. Established 1865. HeadOffice- 
Montreal, Canada. President — R. Macaulay. Chief Office for the United Kingdom— 
42, Poultry, London, E.C. Resident Secretary — Geo. E. Reid. 

THAMES AND MERSEY MARINE Insurance Company, Limited. EstabUshed i860. 
Business — Marine Insurance. Offices — London: i, Royal Exchange Buildings, E.C.; 
Board Day — Thursday, 2.0 p.m. Chairman-^^, W. Phipps. Secretary — H. Buckland. 
Underwriter — H. Finch. Liverpool: Liverpool and London Chambers. Chairman— 
H. W. Hind. Secretary — ^J. Kidman. Underwriter — S. Cross. Manchester: 2, Bank 
Street, St. Ann's Square. Chairman — George H. Gaddum. Secretary — ^J. H. Thompson. 
Underwriter— R, P. Blakeley. 

TRUSTEES, EXECUTORS AND SECURITIES* Insurance Corporation, Limited. 
Established 1887. Business — Acting as Trustee and Executor under Wills, &c., Insurance 
of Securities, Safe Deposit, &c. Offices — Winchester House, Old Broad Street, E.C. 
Board Day — Monday. Chairman — Alexander Young. General Manager &* Secretary— 
J. A. Stirling. Auditors — Deloitte, Dever & Co., C.A. Solicitors — Ashurst, Morris, Crisp 
& Co., and Slaughter & May. Telegraphic Address — Edifice, London. 

ULSTER MARINE Insurance Company, Limited. Established 1867. Business— Mzxint 
Insurance. Offices — 2, Wellington Place, Belfast. Board Day — Monday. Chairman- 
Sit Daniel Dixon, D.L. Managers 6^ Underwriters — Sinclair & Boyd. Auditors — Harmood, 
Banner & Son. Telegraphic Address — Boyd, Belfast. 

ULSTER PLATE GLASS Insurance Company. Established 1877. Business— VloXe Glass 
Insurance. Offices — 20, Waring Street, Belfast. Board Day — Last Thursday. Manager— 
R. S. Monie. Auditors — Wright, Fitzsimmons & Mayes. Dublin Office — 61, Upper 
Sackville Street. Newport {Mon. ) Office — Gloucester Bank Chambers. 

UNION Assurance Society. Established (Fire Branch) 1714, (Life Branch) 1813. Business— 
Fire and Life Insurance. Hecui Office — 81, Comhill, E.C. Board Days — Tuesday and 
Friday, 12.0 noon. Chairman — Stephen Soames. Actuary — L. K. Pagden. Fire 
Manager — William George Wilkins. Secretary — Charles Darrell. London Branch Offices — 
55, Charing Cross, S.W. Branch Manager — Vernon Magniac, 70, Baker Street, Portman 
Square, W. Branch Manager — Robert Loudoun. Auditors — SafFery, Son & Co. Medical 
Officer— Y, M. Hawkins, M.D. Solicitors — Francis M. Rickards; William A. Soames. 
Telegraphic Address — Unasso, London. 

UNION MARINE Insurance Company, Limited (with which is incorporated the International 
Marine Insurance Company, Limited). Established 1863. Business — Marine Insurance. 
Head Offices — Liverpool: Liverpool and London Chambers. Branch Offices — London: 
3, Royal Exchange Buildings, E.C. Manchester: 10, Bank Street. Glasgow: 22, Royal 
Exchange Square. Chairman — T. B. Royden. Underwriter — ^John S. Allen. Secretary — 
J. Sandeman Allen. Chairman in London — Thos. Baring. Underwriter in London — 
James Shaw. Secretary in London — T. A. Clark. Auditors — Harmood, Banner & Son. 
7>/tf^fl/Af^.<4dS/r«j---UNiON, Liverpool; Shipboard, London. / r^r^r^Xo 

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INSURANCE DIRECTORY. 33 

JNITED KENT LIFE Assurance and Annuity Institution, Limited. Established 1824. 
Business — Life Insurance and Annuities. Head Office — High Street, Maidstone. Board Day — 
Last Wednesday. Chairman — ^W. Lawrence. Secretary &* General Mami^er'—WsXteT L. 
Sey&ng. London Office — 124, Cannon Street, £.C. London Manager^K, Wallis. 
^raiK-^j— -Manchester : 2, Charlotte Street. Liverpool : 28, Exchange Street East. Birming- 
ham: I, Newhall Street. Canterbury: High Street. Glasgow: 68, St. Vincent Street. 
Dublin: 38, Dame Street. Auditor— Y, Richards. Medical Officers— C, E. Hoar, 
Maidstone; R. Argles, 82, Oxford Terrace; T. B. & H. T. Crosl^, 13, Fenchurch 
Street, E.C. Solicitors — Maidstone: Robert J. L Brennan ; Ashford: F. Hughes- 
Hallet. Telegraphic Address — Sbyfang, Maidstone; Kentledge, London. 

FNITED KINGDOM TEMPERANCE and General Provident Institution. Established 
1840. j5«rt WW— Mutual Life Insurance and Annuities. Head Office— \y Adelaide Place, 
London Bridge, E.C. Board ZJoyj— Tuesday and Friday. Actuary— VivX^ P. Hardy, 
F.I. A. Assistant Actuary — Roderick M. Moore. Chairman — Thomas Cash. Managing 
Director— T. P. Whittaker, M.P. Secretary— ^Yaason Brooks. Auditors—^, E. Price; 
D. F. Basden; J. Taylor. Medical Officers^, Edmunds, M.D., 26, Manchester Square, W. ; 
R. H. Fox, M.D., 23, Finsbury Circus, E.C. Solicitor— Y, Howse, Abchurch Yard, E.C. 
Telegraphic Address— Vkrcautioh^ London. 

JNIVERSAL LIFE Assurance Company. Established 1834. Business — Life Insurance 
(Great Britain and India). Head Office— 1, King William Street, E.C. Board Day— 
Thursday, i.o p.m. Chairman — Col. C. F. Surtees. Actuary 6f Secretary — Frederick 
Hendriks, F.I.A. Auditors — T. Percy Fox; John K. J. Hichens; Robert H. Inglis 
Palgrave, F.R.S. Medical Officer— K\Sx^ Willett, F.R.C.S. 5<7/iWV^j— Pollock & Co. 

JNIVERSITY LIFE Assurance Society. Established 1825. Business— Ufe Assurance. 
Head Office— ^S^ Pall Mall, S. W. Board Z?<iy— Wednesday, 4,5 p.m. Chairman—], Copley 
Wray. Secretary^H, Walsingham Andras, F.I.A. Auditors — Alfred Davenport, M.A.; 
John George Fawcus, M.A.; T. Mews, m.a. Medical Officers— ^e^xaldi Southey, M.D.; 
R^inald E. Thompson, m.d. Solicitors — Messrs. Waltons. 

(VICTORIA MUTUAL Assurance Society, Limited. Established i860. Business— IM^ 
Insurance. Head Office — Memorial Hall Buildings, Farringdon Street, E.C. Board Day — 
Monday, 4.0 p.m. Chairman — In rotation. Secretary — Arthur J. Cook, A. I. A. Auditors — 
J. H. Champness, F.c.A. ; T. Bowden Green. Medical Officer — ^James Edmunds, M.D. 
Solicitors — Shaen, Roscoe, Massey & Co. 

iTULCAN BOILER AND GENERAL Insurance Company. EsUblished 1859. Business— 
Steam Boilers, Engines, Employers' Liability, General Accident, and Fidelity and Guarantee 
Insurance. Head Offices — 67, King Street, Manchester. Board Day — 4th Thursday in the 
month. Chairman — Qias. J. Galloway, M.i.c.E. Chief Engineer—], F. L. Crosland, 
M.I.M.E., A.M.r.c.E. Secretary — Edward Hadfield. Branch Offices — London: 3, Eastcheap. 
Glasgow: 159, Hope Street. Birmingham: 20, Exchange Buildings. Leeds: 21, East 
Parade. Newcastle-on-Tyne: 7, Side. Auditor — Andrew A. Gillies. Telegraphic Address — 
Boiler, Manchester. Telephone No, w^, 

WELSH BAPTIST Assurance Trust, Limited. Established 1888. Business— Yvl^ Insurance. 
Offices — Brynteg; Burry Port, R.S.O., Carmarthenshire. Secretary — Isaac Phillips. 

WELSH CALVINISTIC METHODIST Assurance Trust. Established 1886. BuHness— 
Fire Insurance (Trust Property). Offices — 3, Cable Street, Liverpool Hon, Secretary — 
W. J. Hughes. 

WESLEYAN AND GENERAL Assurance Society. Established 1841. Business— Life, 
Annuities, and Sickness Insurance. Head Office — Corporation Street, Birmingham. Board 
Day — Wednesday, 3.30 p.m. Chairman — Benjamin Smith. General Manager — R. 
Aldington Hunt, F.S.S., A.I.A. Deputy Manager—], W. Lewis. Auditors — A. J. Leeson; 
C. E. Murray; H. S. Richards; T. Rose; C. Rowe. Medical Officer—], Manley, 
J. p., M.R.C.S., West Bromwich. Solicitor— K, G. Buller, Birmingham. 

WESLEYAN METHODIST TRUST. Established 1872. Business— Tut Insurance of 
Wesleyan Methodist Trust Property. Offices — 38, Fountain Street, Manchester. Chairman — 
Chas. Heaton, J.P. Secretary — Heniy Plummer. Auditors — Edwin Guthrie & Co. 
Solicitors— Fowler & Perks, 9, Clement's Lane, Lombard Street, E.C. 

WESTERN ANNUITY Society. Established 183 1. Business— Anamties, O^^j— 14, Bedford 
Circus, Exeter. Board Day — Friday, 12.0 noon. Chairman — In rotation. Consulting 
Actuary— F, G, P. Neison. Secretary— Thos, S. Mortimer. / v^^^i^ 

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34 INSURANCE REGISTER. 

WESTMINSTER AND GENERAL LIFE Assurance Association. Established 1836. 
Business— Life Insurance. Ifead Office— 7^^ King Street, Covent Garden, W.C. Board Day— 
Tuesday, 2.0 p.m. Ci4«r»wwf— Albert Mott. ^rfi«irK— Ernest Woods, F.I.A. Agency 
Superintendent— ViiWiam Reid. Assistant Agency Superintendent-— G, L. Pout. Auditors— 
R. W. Brown; W. E. Chambers; H. P. Home; F. L. Soper. Medical Officers- 
A. T. Davies, M.D., 23, Finsbury Square, E.C. ; F. G. Penrose, M.D., 84, Wimpole 
Street, W. Branch 0^«— Manchester : 37, Brown Street. Manager— S. H. Deacon. 
Leeds : 5, Park Square. . Manager — ^W. H. Lowe. 

WESTMINSTER FIRE Office. Established 1717. Business— Fire Insurance. Bead Office- 
27, King Street, Covent Garden. Board Day — Thursday, i.op.m. Secretary— Vfm. Cootts 
Fyfe. City Office—^, King William Street, E.C. Local Secretary— V Lewis Tiddy. 
Branches — Birmingham: 117, Colmore Row. Local Secretary— Y. W. Prowse. Bristol: 
I, Marsh Street. Local Secretary— Aithur F. Tooke. Leeds: 28, East Parade. Local 
Secretary— WiWmm Watson. Liverpool: I, Tithebam Street. Local Secretary— Faxil Lange. 
Manchester: Brown Street. Local Secretary— V^, Hoyle. Scottish: St. Vincent Place, 
Glasgow. Local Secretary — Wm. Drew, junr. Edinburgh: i, Hanover Street. District 
Secretary—], L. Mack, S.S.C. Telegraphic Address — Chequers, London. 

WEST OF SCOTLAND FIRE Office, Limited. Established 1886. BuHness—Yi^ 
Insurance. Head Office — 32, Renfield Street, Glasgow. Board Day — ^Alt. Friday, 12.30 p.m. 
Chairman — ^William Jacks. Manager — G. MacGr^or. London Branch — 7, Nicholas Lane, 
Lombard Street, E.C. Resident Secretary — William J. Bezer. Liverpool Branch : Queen 
Insurance Buildings, 10, Dale Street. Resident Secretary — Robert Tait. Auditors— 
Reid & Mair, c.A. Solicitors — Mon^omerie & Flemings, Glasgow. Telegraphic Addresses— 
Westward, Glasgow and Liverpool; Flagro, London. 

WORLD MARINE Insurance Company, Limited. Established 1895. Business — Marine 
Insurance. Offices — 21, Finch Lane, E.C. Chairman — Sir Christopher Fumess, 
Underwriter — W. Castleton Lockhart. Secretary — ^James Cargill. Telegraphic Address— 
Orbicle. 

YORKSHIRE FIRE AND LIFE Insurance Company. Established 1824. Business— 
Fire, Life, Annuities, Employers' Liability. Head Office — St. Helen's Square, York. 
Board Day — ^Wednesday, 12.0 noon. Chairman — Right Hon. Lord Wenlock. Secretary 
dr* General Manager — ^J. A. Cunninghame. Actuary — Philip L. Newman. London Office— 
82, Old Broad Street, E.C. Resident Secretafy—Ja.mes Hamilton. Auditors — Turquand, 
Youngs & Co., C.A. Medical Officers — ^James Ramsay, M.D,, York; W. Lomas, m.d., 
23, Sackville Street, W.; T. B. Crosby, M.D., F.R.C.S. Solicitors— Gmy & Dodsworth, 
York. Telegraphic Address— YoRKSHiKE, York; Yorkshire Insurance, London. 

YORKSHIRE PROVIDENT LIFE Assurance Company, Limited. Established 1870. 
Business — Industrial Life. Head Office — 10, Corporation Street, Manchester. Manager— 
R. Martin. Secretary—^, Ernest Clegg. 



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Google 



35 



INSURANCE OFFICERS' DIRECTORY. 



In cases of similarity of Title, the object or business of the Company is appended—thus , Alliance 
Fire and Life, Alliance Marine, Caledonian Fire and Life, Caledonian Plate Glass, 6*^. 



IDAMS, D.y Sec. Birmingham Br. Alliance. 

LDAMS, T., Sec Norfolk Street Br. Alliance. 

LDDBNBROOKK, £., Man. Bristol Br. Eagle Ufe. 

IDLARD, A. B., Act. Law Life. 

IDLER, M. N., Act Alliance. 

ViNSLiE, J. D., Liverpool Local Sec Standardly 

ViTKEN,H.,Man.for Scotland,Ztf»/. 6* Lane. L. 

^cocK, C, Man. Hqyal Fire & Life. 

iLDCROFT, W. H., Act. Refydge. 

Vllan, J. A., Sec. ^oi^t^/Guarantee; and Sec. 

Colonial ^ Foreign Banks' Guarantee Fund. 
\llen, F. J., Man. Leeds Br. Atlas. 
Vllen, J. Sandbman, Sec Union Marine. 
\llbn, J. S., Undr. Union Marine. 
\LMOND, J. F., Sec National BoH^x. 
^LSOP.T. L, Sub-Man. Vpool^Lond. <&* Globe. 
Anderson, £. G. L., Sec. LondonG.kA. 
A.NDERSON, J. C, Dublin Man. Commercial 

Union. 
Anderson, J. J. P., Sec. Scottish IVidows* Fund. 
Anderson, R., Sec £ssex &* Suffolk. 
Anderson, S. L., Sec Alliance, 
Anderson, W. F., Cashier Scottish Wid<mts' 

Fundy Edinburgh. 
Andersson, W. H., & Sons, Liverpool District 

Managers Norwich Union. 
Andras, H. W., Sec University. 
Ansonj Hon. F. W., West-End Br. Man. 

Commercial Union. 
Antliff, Rev. S. R., Man. Dir. & Sec 

Congregational Fire. 
Antonio, T., Sub-Man. Patriotic Fire & Life. 
Armour, H., Sec Scottish Accident. 
Arrowsmith, W. v.. Res. Sec. Birmingham 

Br. Caledonian Fire & Life. 
Atkinson, Rev. J., Sec. Primitive Methodist. 
Austin, F. J., Sec. Plate Glass. 

iJADDELEY, W. G., Birmingham Man. English 

<5r» Scottish Law. 
Bagshaw, J. H., Manchester Man. Union. 
Bain, R. W. K., Aberdeen Dist. Man. Star L. 
Barclay, G. W. W., Aberdeen Man. North 

British 6* Mercantile. 
Bardsley, F. S., Liverpool, Sec Scottish L. 
Barnes, J. H., Assist Act. Pelican. 
Barton, W. H., Res. Sec Liverpool West of 

Scotland Fire &* Scottish Alliance, 
Bates, William, Undr. Sea Marine. 
Bates, W. S., Assist Sec. Law CUe^ Trust. 
Batten, J. M., m.a.. Sec. Equitable (U.S.) 
Baumer, E., Sec Sun Fire. 
Beaumont, S. A., Man. Dir. County Fire and 

Provident Life. 
BRLL, F., Sub-Man. & Jt Act. Imperial Life. 
Bkll, G. W., Sec Law Fire. 



Bbll, T. B., Gen. Man. & Sec Lion Fire. 
Benson, L., Sec West-End Br. Life Association 

of Scotland, 
Berry, B. A., Assist Act London Life. 
Bezer, W. J., London Sec Scottish Alliance ^ 

West of Scotland, 
BiGNOLD, C. A. B., Sec. Norwich Union Fire. 
Bingham, W., Agency Man. Sceptre. 
BiSGOOD, J. J., Metropolitan Agcy. Man. Starh. 
BiSGOOD, J. K., Dublin Man. Star Life. 
Black, R., Res. Sec. Glasgow Br. Scottish Life. 
Black, T. H. B., Gen. Supt. (Head Office) 

Standard Life. 
Blackall, E., Devonport Man. North British 

^ Mercantile. 
Blandford, J. R., Res. Sec Bristol Lfand- 

in-Hand. 
Bloxsom, W. G., Man. Scottish Metropolitan L. 
Bo AG, D. W. E., London Sec, Scottish Union 

and National. 
Booker, F. E., Assist. Man. Lion Fire. 
BoococK, J. H., Midland Dist Man. Commercial 

Union. 
Booth, C. F., Man. Key and Season Ticket 

Insurance Registry. 
Boss, J. G., Newcastle Man. Royal. 
Bowie, W. A., London Man. Scottish Temperance. 
Bowser, W. A., Con. Act, London^ Edin- 
burgh 6* Glcugow. 
Brain, H. B., Sec Provident Clerks* Accident 

& Fidelity Guarantee. 
Bremner, G. W. M. , Glasg. SecNorthem F. & L. 
Been AN, C. F., Res. Sec. Manchester Br. 

National of Ireland. 
Bringlob, F. a., Edinburgh Sec Provident. 
Broadbbnt, W. B., Sec. ^^/fVz^r^ Marine. 
Brocklehurst, W. S., Accountant Star Life. 
Brodie, G. J., Man. Scotland Mutual Life, N. Y. 
Brodib, W. p. W., Edin. Man. Commercial Union. 
Brook, L. H., Sec Leicester Br. Alliance. 
Brookes, A. D., Sec. Bristol Br. Alliance. 
Brooks, J., Sec United Kingdom Temperance. 
Brown, H., Man. Sickness &* Accident. 
Brown, J. H., Sec Natl, Provincial Plate Glass. 
Brown, S. S., Gen. Man. & Sec. Employer^ 

Luibiliiy. 
Browne, £. W., British Man. Colonial Mutual. 
Browne, T. G. C, Act & Sec Guardian F.& L. 
Buchanan, D. S., Res. Sec. Glasgow Br. 

Edinburgh. 
BuCKLAND, H., London Sec Thames &* Mersey. 
BULLEN, R. E., Sub.-OfF. Man. Star. 
Bullough, E. J., Sec Blackburn Plate Glass. 
Bumsted, D. a., Act. & Sec Gen. Reversionary, 
Bunyon, G., Bristol Jt yi^LH. Norwich Union L. 
BURD, F., Manchester Dist Man. Star Life. 
BURNE, J., Sec La^ashiim dr* Yorkshi^ A. 

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36 



INSURANCE REGISTER, 



Burnett, G. H., London Fire Man. North 

British <5r* Mercantile, 
Burr, H., Gen. Man. Reversionary &» General 

Securities, 
BURRIDGE, A. F., Act. & Sec. Equity &* Law. 
Burton, J. H.» Res. Sec. Newcastle-on-Tyne 

Imperial Life. 
Byers, F. M. T., Assist. Act. Clergy Mutual. 



Oaird, C. R., Leeds Sec. N. British &• Mercan. 
Caley, A. P., West End 'iJizxi.NorwichUnimlAft, 
Cameron, D.M., Edinburgh Man. Alliance and 

Insurance Co, of Scotland, 
Cameron, G., Assist. Act. Standardise, 
Campbell, H. F., Provincial Agency Man. 

Mutual Life, N,Y, 
Campbell, J., Man. Glasgow Br. Atlas, 
Campbell, R. G., Glasgow Res. Man. Royal, 
Carleton, J. A., Man. Dir. Methodist &* Gen. 
Carnell, T. W., Insp. Union Fire & Life. 
Carr, H. R., Sec. Eastern Counties' Fire. 
Cash, T., Chairman C/nited Kingdom Temper- 
ance <Sr» General Provident. 
Cashmore, H. £., Birmingham Res. Sec. Union. 
Champ, H., Br. Man. Birmingham Clerical^ 

Medical <Sr» General, 
Chapman, R., Res. Sec. Dundee Br. Caledonian 

Fire & Life. 
Chatham, J., Sec. & Act. Scottish Life. 
Chatterton, J. H., Sec. Miller's Mutual Fire. 
Cheyne, J. G. C, Assist. Sec, Scottish Widows' 

Fund, 
Chiene, G. T., Man. National Guarantee & 

Suretyship. 
Chisholm, J., Gen. Man. &Jt. Act. Imperial 1,, 
Churchward, G. G., Man. City Br. Clerical, 

Mediccd <5r» General, 
Clabon, C. B., Sec. Law Reversionary, 
Clark, T. A., London Sec. Union Marine. 
Clarke, H. J., Man. Ireland Mutual Life, N Y, 
Clayton, C. H. & F. H., Jt. Sees. Equitable 

Reversionary. 
Cleary, T. , Man. & Sec. General Accident, Dublin. 
Clifford, E. T., Man. & Sec. Law Accident, 
Clirehugh, W. p., Man. & Act. London <5r» 

Lancashire Life. 
Clunes, J., Principal OfUcei Lond, Assur, Corp, 
Clymer, J. N., London Man. Manchester F. 
Cochran, W. H., Sec. Liverpool Reversionary. 
Cochrane, R. G., Sub-Man. Home Fire Dept. 

Guardian Fire & Life. 
CocKBURN, H., London Life Man. & Act. 

North British b* Mercantile. 
CocKBURN, H. R., Jt. Sec. Scottish Provident. 
CoLENSO, F. E., Act. Eagle, 
Collier, J. P., Sec. Nottingham Br. Alliance. 
Collie, R., Edinburgh Dist. Man. Star Life. 
Collins, E. T., Dublin Man. North British (Sr» 

Mercantile, 
COLLINSON, W. R., Lon. Sec. New York Life. 
CoLQUHOUN, E., Act. & M&n. Legal <5r» General. 
CONNELL, J., West-End Man. Lond. <5r» Lane, 
Cook, A. J., Sec. Victoria Mutual. 
Cook, J. A., Man. & Sec, State Fire. 



Cooper, J., Sec Mutual Plate Glass. 
Corkill, J. L. G., Man. Manchester Br. 

London &* Lancashire Life. 
Coutts, E. a., Notts Man.^. British 6* Merc. 
Co WAN, J., Fire Supt Caledonian Fire & Life. 
CowiN, L B., Lon. Sec Equitable F. & Accdt 
Cowling, T. V., Sec. London, Edinburgh & 

Glasgow. 
Cox, C, Dist. Insp. Leeds Economic Life. 
Craig, R. A., Sec. Abstainers 6r* General, 
Crawford, T., British Sec Mutual Life, N. Y. 
Cream, C C, Man. National of Ireland. 
Crisford, G. S., Act. Rock Lite. 
Croft, C. I., Agency Man. National Provident. 
Croft, J. H., London Sec. Royal Fire & Life. 
Croixe, G. de Ste, Man. Dir. Acme, 
Cross, R., Act. Atlas, 
Crowe, J. Y., Assist. Supt. (W. of E. & South 

Wales) National Provident, 
CULSHAW, A., Sec. Blackburn Philanthropic 

Burial. 
CUNNINGHAME, J. A., Sec and Gen. Man. 

Yorkshire Fire & Life. 
Cutler, H. F., Man. & Sec British Law Fire. 



Dale, J. M., Br. Man. Manchester Clerical, 

Medical S* General, 
Darley, E. S., Dublin Man. Royal Exchange. 
Darrell, C, Sec Union Fire and Life. 
Davidson, J., Gen. Man. Scottish Employers*. 
Davidson, J. W., Man. & Sec. L*pool. Mortgage. 
Davies, J., Undr. British 6r* Foreign Marine. 
Davis, T., London Sec. British 6* Foreign M. 
Dawson, A., Sec. Merchants' Marine. 
Day, S., Act. & Sec. Marine <5r* General Mutual. 
Deacon, S. H., Manchester Man. West. <5r» Gen. 
Deighton, a., Leeds Sec. Legal dr» General. 
Denton, C. A., Sec. London Assurance, 
Deuchar, D. , Gn. Mn. & Act. Caledonian F. & L. 
Deuchar, G. D., Agency Supt. Rock. 
Deuchar, J. J. W., Sec and Act. Norwich 

Union Life. 
Dewey, T. C, Jt. Man. Prudential, 
Dick, L. H. M., Sec. Royal National Pensions. 
Dickie, J., Scotland Man. Sun Life. 
Douglas, G., Act. Life Association of Scotland. 
Dove, J. M., Gen. Man. & Sec. Liverpool 6^ 

London <Sr* Globe. 
Dow, J. E., Dundee Dist. Man. Star Life. 
Dow, Thos., Sec. Glasgow Br. Natl, of Ireland. 
DUGUID, G.,Lpool. Sec. Life Assoc, of Scotland. 
Duncan, A., Gen. Man. ScottishUnion6y^ Nat. 
Duncan, J., Sec. Ecclesictstical Fire, and Clergy 

Pensions* Institution. 
Duncan, J. H., Fire Man. Royal Exchange. 
Duncan, R. B., Newcastle Local Sec. StandardL. 
Dunn, J. M., Sec. Northern Plate Glass. 
Dymond, J. J., Cons. Act. Friends* Provident. 



£ccLES, Y. R., London Sec. Scottish Amicable. 
Eddison, J. P., Leeds Man. N. British 6* Mer. 
Edwards, W. A., Sec/ Sea Marine. 

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INSURANCE OFFICERS' DIRECTORY. 



37 



Elderton, F. F., Man. Ciiy of Glasgow, 
Elderton, F. H., Birmingham Man. City of 

Glasgow, 
Elgood, a. S., Sec. Customs Annuity, 
Elliott, G., Man. for Ireland Nat. Provident, 
Elliott, R., London Sec. Manchester Fire. 
Emmet, G. H., LondonMoxi, Norwich C/niont,. 
Ensor, H. F., Cardiff Sec. lioch, 
Essex, B. S., Man. & Sec. Imperial Live Stock, 
Evans, A. E., Sec. Ipswich Br. Alliance, 

Fairey, J. W., Man. British Equitable, 
Faulks, J. E., Assist Act. Law Life. 
Fedden, a. p., Man. & Sec. Fine Art. 
Ferguson, T., Aberdeen Res. Sec. Scottish 

Metropolitan, 
Fergusson, C. G., London Sec. Scottish Plate 

Glass. 
Finch, H., Undr. London Br. Thames &* Mersey, 
FiNLAisoN, A. J., c. B. , Act. National Debt Office. 
FiNLAYSON, J. D., Inverness Man. North 

British dr* Mercantile, 
Fisher, A. O., Assist. Sec Marine &* General, 
Fisher, F., Sub-Man. Prudential, 
Fisher, J. S., Man. British Legal, 
Fisher, M. G., Agency Supt. (W. of E.& South 

Wales) NationalProvident, 
Fleming, A., Birmingham Res. Sec. Scottish 

Widows, 
Fleming, F. C, Bristol Dist. Man. Star Life. 
Fletcher, W., Edinburgh Sec. City of Glasgow, 
Foley, P. J., Man. Dir. Pearl, 
Forster, G. C, Leeds Man. Lond, &* Lane, 
Fortune, D., Sec. Scottish Legal Y, S. 
Fortune, J., Agency Supt. Manchester and 

District National Provident, 
Foster, G. H., Bristol Man. Lond. 6r Lane, 
Fowler, J., Foreign Supt. Northern. 
Fox, J. G., West-End Sec. North British &> 

Mercantile, 
Frame, G. & J., Glasgow Mans. Poyal, 
Francis, J., Sec. Wrexham Br. Alliance, 
Franks, P., Undr. National Maxine, 
Fraser, T. H., Dundee Man. Edinburgh Life. 
Freeman, J. R., Man. & Sec. General Life, 
Furniss,G. F., Chief Agency Supt. Imperial L. 
Fyfe, J. T., Glasgow Sec. North British <Sr» 

Mercantile, 
Fyfe, W. C, Sec. Westminster Fire. 

Garbett, P. L. H., South- Western Man. 

Norwich Union Life. 
Gardner, R. A., Man. Glasgow Br. Norwich 

Union Life. 
Gayford, H., Nottingham Sec. Northern F.&L. 
Gemmell, J., Glasgow Man. Royal Exchange, 
GiCK, C. H. , Dublin Man. London ^Lancashire, 
Gillespie, A. G., Edinb. Sec. Northern F. & L. 
GiLMAN, Sir C. R, Man. Norwich <Sr» London 

Accident, and Sec. G^^w^ra/ Hailstorm. 
Gilman, C. S., Sec. Norwich <Sr» London 

Accident, and General Hailstorm. 
Glasson,G. C, Man. Bristol Br. EconomicUde, 
Glknnie, W. G., London Assist. Sec. Scottish 

Union &* National, 



Good, A., Man. Cardiff Br. Phanix, 

Goodchap, F. G., Bristol Res. Sec. Yorkshire, 

Gk)ss, G. L. , Agency Supt. Imperial Life. 

Gray, J., Res.Sec. Scottish Widows' Fund^ Bristol 

Gray, W., Sec. National Marine. 

Gray, W. E., Assist. Sec. Employers' Liability, 

Green, W. McQ., Liverpool Sec. Provident, 

Greenway, C. D., Assist. Hiasi. Licenses Insur- 
ance Corporation. 

Greenwood, H. S., Sec. English &* Scottish 
Law, 

Gregory, J., Sheffield Agent North British <&* 
Mercantile, 

Gregory, W. H., London Br. Man. Friends* 
Provident, 

Grieg, J. A. W. E., London, Man. Sun Life. 

Griffith, F., London Sec. Edinburgh Life. 

GUNN, N. B., Man. Scottish Amicable Life. 

Guthrie, A, Glasgow Man. Guardian F. & L. 

Guthrie, C, Birmingham Sec. Scot, Amicable, 

Gwyer, J. E., Sec. Provident Clerki Life. 

Hadfield, E., Sec. Vulcem Boiler 6r* Steam 

Power, 
Haig, J. H., Sec. Goldsmiths^* General Bnrgiaiy, 
Haldeman, D. C, British Gen. Man. Mutual 

Life, N y. 
Hall, C. W., Manchester Dist. Man. Star L. 
Hall, S., Sec. Derby Mutual, 
Hallward, W. L., Res. Sec. Pall Mall Br. 

Imperial Life. 
Hambridge, W. H., Sec RoycU London Friendly, 
Hamilton, J., London Sec Yorkshire F. & L. 
Handcock, E. R., Sec. RoycU Exchange. 
Hansell, p. E, Norwich Man. Dir. North 

British <5r» Mercantile. 
Harben, Sir H., Vice-Chairman Prudential, 
Harding, H. R., Assist. Sec. Economic Life. 
Hardingham, F. R., Res. Sec. Leeds Rock, 
Hard widge, G. W. , Sec. Mut, Provident Alliance, 
Hardy, G. F., Act. & Sec. Universal, 
Hardy, R.P., Act. United Kingdom Temperance. 
Hare, H., Sec. London 6- County Plate Glass. 
Harper, T., Res. Sec. L*pool. '^t. Colonial Mut, 
Harris, J. W., Birm. Local Sec. Standard L., 
Harris, T., Sec. Guardian Plate Glass. 
Harris, W. A., Liverpool Sec. Phoenix. 
Harwood, E. T., Sec. National Medical Aid, 
Haslam, H., Undr. Indemnity Marine. 
Hassall, J. A. S., L'pool. Sec. Builders* Acct. 
Haswell, J.R., London Sec. Scottish Accident, 
Hay ward, W. H., Gen. Man. & Sec. 

British Natural- Premium Provident. 
Heaton, W. B., Man. London. &* Lanes. Fire. 
Hemming, A. G., Lond. Sec. City of Glasgow L. 
Hendriks, a., Act. & London Sec. Liverpool 

6* London (Sr» Globe, 
Henri, A., Sec. Liverpool Victoria Legal. 
Henry, A. W., Manchester Man. Provident. 
Henshaw, R. S., Sec. Builders* hzciditDi. 
Herdman, H., Belfest Sec North British &* 

Mercantile. 
Hervey, G. W. , Sec. & Compt. Nail, Debt Office, 
Heslewood, E. E., Hull Res. Sec. Yorkshire 



Fire & Life. 



Digitized by 



Lioogle 



38 



INSURANCE REGISTER. 



Hbwat, a., Sec. Edinburgh Life. 
Hicks, A. J., Sec. Revers. &* Gen, Stcurities, 
Hicks, Liverpool Undr. London Assurance, 
HiGHAM, C. D., Act. & Sec. Lond, Life Assoc. 
Hill, J., Binningham Sec. Rock, 
Hill, j. D., Sec Sheffield Br. Alliance, 
HiLLER, £. G., Engr. & Man. A^o/i^Ma/ Boiler. 
Hobbins, C, Res. Sec. Manchester Rock, 
HoBBS, J., Sec. Bristol Br. Imperial, 
HoBSON, G., Binningham Dis. Man. Norwich 

Union iAit, 
HoBSON, Henry G., Sec Star Life. 
HODDINOTT, E. H., Man. City Br. Provident, 
Hodgson, G. H., Sec Clergy Mutual, 
HoGGE, J. H. H., Metrop. Agency Man. 

Mutual N, Y. 
Holds WORTH, D. A., Newcastle Man. Star L. 
HoLFORD, H. E., Undr. Empress, 
Holt, E. H., Man. & Sec. Law Life. 
Hopewell, H. B., Nottingham Dist. Man. 

Star Life. 
Hopkins, W. R., Assist. Act. London &* 

Lancashire Life. 
HORE, G. £., Nottingham Man. Royal. 
Horsley, C, Newcastle Man. Liverpool &* 

London &* Globe. 
Hovil, L. F., Assist. Act. Economic Life. 
HoziER, Col. H., Sec. Lloyds, 
Houston, R. M., Leeds Man. NcOional of 

Ireland, 
Hudson, C. E. M., West-End Sec Scottish 

Metropolitan, 
Hughes, W. J., Hon. Sec Welsh Calvinistic 

Methodist, 
Hughes, W., Joint Man. Prudential, 
HuiE, R. W., Res. Sec. EdinburghA^i^r^Afnf Ace 
Humphrey, R., Sec. Manch. Br. Edinburgh, 
Hunt, R. A., Gen. Man. WesUyan ^General, 
Hunter, S., Act. Patriotic, 
Hutchins, F., Man. Bristol Br. Royal Exchange, 
Hutchinson, T., Sec. Hereford Financial &* 

Plate Glass, 
HUTTON, W. E. C, Liverpool Sec. Imperial F. 
Hyslop, a., Undr. Merchant^ Marine. 

Imrib, a. C, Manchester Man. Scottish 

Temperance, 
Irving, M., Manchester Man. Royal. 

Jackson, A., Gen. ^Azxi, English &* Scottish Law, 

Jackson, C, London Assist. Sec. Royal, 

Jambs, J., Leeds Man. GenercU, 

Jambs, P. M., Sec. Brewers <5r» GenercU. 

J AMlESON,T. W., Birmingham Man. North British 

<5r* Mercantile, 
Jeens, O. B., Man. Accident Br. Palatine. 
Jefferson, W. J., Belfast Sec Royal 
Jeffries,! AS. , Man. National Cycle &* Motor Car, 
JELLICO, J. F., L*pool Sec Scottish Metropolitan. 
jBLLicoB, G. R., Sec. & Gen. Man. Eagle, 
Johnson, D., Gen. Man. Lancashire, 
Johnson, G. J., Man. Manchester Br. Atlcu, 
Johnston, R., Lon. Man. GenercU Accident, 
Johnston, R. D., Glasg. Br. Scot. Metropolitan, 



Johnstone, E., Manchester Man. State, 
Jones, O. D., Newcastle Man. London 6* 

Lanccuhire Fire. 
Jones, R. T., Undr. Commercial Union, 
Jones, W. R., Liverpool Sec Scottish Union 6» 

National, 
Jones, W. S., Cardiff Man. North British 6* 

Mercantile, 
JOPSON, W., London Man. Scottish Alliance. 
JusTiCAN, E., Act. Gresham, 

Eeddie, J., Manchester Sec. Scottish Editable, 
Keene, J. H., Sec. Pearl, 
Kelly, B., Newcastle Sec Northern F. & L 
Kember, W., Liverpool Sec. Scottish AmicabU, 
Kemp, Sir K. H. Kemp, Dist. Man. Easten 

Br. ComfnercicU Union, 
Kennedy, A. D.,Man. Dublin Br. Norwich Union. 
Keown, T. H., Res. Sec. Belfast Rock. 
Kerr, J., Scottish Man. Union. 
Kevan, p.. Sec Bolton Cotton Trade. 
Kewley, E., Fire Supt. Liverpool <Sr* London 

and Globe. 
Kidman, J., Sec. Thames &* Mersey. 
King, G., Act London Assurance Corporation. 
King, H. S., & Co., London Agents Australian 

Mutual. 
King, R. D. & Sons, Dublin Mans. Unild 

Kingdom Temperance, 
KiNGSLEY, F. J., Sub. Man. RoycU F. & L 
Kyd, T., Aberdeen Res. Man. Northern, 
Kyrke, v., Sec. Dublin Br. Alliance. 

Laidlaw, D. L., Glasgow Man. North Briiisi 1 
<5r» Mercantile, 

Laing, F., Act Northern Fire & Life. j 

Lamb, John, Joint Sec Scottish Provident. 

Lamont, a. H., Sec. Bristol Br. Union F. & L i 

Lamont, j. F., Glasgow Man. London Guar- 
antee &* AccicUnt. 

Lancaster, W. J., Sec Prudential. 

Lance, F. W., London Sec North British &* 
Mercantile. 

Lane, J. N., Gen. Man. & Sec Palatine. 

Lapham, H. I., Dublin Res. Sec Edinburgh. 

Lawrie, S., Sec. Glasgow Br. Alliance. 

Lawson, a., Assist. Sec. Gresham. 

Lawson, a. S., Nott. Sec. Sun Life. 

Lawson, A., Glasgow Man. Commercial Union. 

Lawson, W., L'pool. Man. Marine 6r General. 
, Lawton, a., West-End Sec Caledonian ¥.&L 

Layton, De Westley, Sec. Empress, 

Leckie, j.. Sec. Edinburgh Br. Scottish Temp. 

Leask, j. B., Glasg. Sec. lAfeAssur. of Scotland. 

Ledward, a. p., Manch. Stc. Scottish Provident. 

Lees, C, London Sec. Caledonian F. & L. 

Leftwich, F. R., Lon. Sec Scottish Equitable. 

Leggatt, H. T. O., Leeds Br. Sec Caledonian. 

Leggatt, j. R. p.. Res. Sec. Liverpool 
Br. Lancashire. 

Leitch, j. M., London Sec. Scottish Provident. 

Lemon, Robt. B., Assist Man. Marine, 

Lemon, W. Kent, Sec. National Ins, <&* Guar' 



INSURANCE OFFICERS' DIRECTORY. 



39 



Lethbridge, R. W., Sub-Man. Life Dept, 

London, Edinburgh, &* Glasgow, 
Leveritt, T. D. C, London Man. Norwich 

Union Life. 
Lewis, HL, Birmingham Sec. Northern F. & L. 
Lewis, J. W., Sub-Man. Wesleyan <5r» General, 
Lewis, R., Chief Sec. Alliance, 
Lewis, W., Man. & Sec. Manchester Fire. 
Leys, M., Sec. Scottish Temperance, 
LiDSTONE, G. T.» Assist. Act. Alliance. 
LiNDSEY Seton, C, Gen. Man. New York Life. 
LiNNELL, E., Sec & Gen. Man. Sun Life. 
LiTTLEWOOD, J. E., Notts. Sec. Scottish Prov, 
Lloyd, E. P., Sec. Newcastle Br. Lancashire, 
Lloyd, G. J., Birmingham Man. Edinburgh L. 
Lloyd, E. L., Manchester Sec. Alliance, 
LocKWOOD, H. J., Jt. Sec National Mutually, 
Lofthouse, C.,Man. Birmingham Br. Provident, 
Logan, J., Newcastle Man. North British <&• 

Mercantile. 
Long, C, Plymouth Man. United Kingdom 

Temperance, 
Long, W. J. , Sec. Bath &> West of England P. G. 
LoNGRiDGE, R. B.,Man. Dir. Engine Boiler y^c. 
Loudon, J., Manchester Man. Royal Exchange, 
Loudoun, R., Man. West-End Br. UnionY.Si L. 
Lough, A. H., Glasgow Sec. Scottish Equitable, 
Low, G. M., Man. Edinburgh Life. 
Low, H. M., Liverpool Sec. Edinburgh Life. 
Lowe, R. W., Sec. Northern. 
Lowe, W. H., Leeds Man. Westminster (Sr» 

General, 
LucK,W. Agency Supt. National Provident (S.) 



Macbeth, A. D., Sec Bute Fire. 
MacCallum, p., London Sec. National of 

Ireland Fire. 
Macdermott, W. H., Glasgow Sec. National 

of Ireland Fire. 
Macdonald, F. B., Jt. Sec. Phoenix. 
Macdonald, J. K., Sec. Scottish Union «Sr» 

National, 
Macdonald, J., Leeds Sec. Scottish Union &* 

National, 
Macdonald, W. C, Jt. Sec. Phcenix, 
Macdonald, W. R., Sec. Scottish Metropolitan, 
MacGeorge, E. J., Belfast Sec. Scottish Prov, 
MacGillivray, F., Edin. Man. Royal. 
MacGowan, J., Manchester Sec Scottish 

Amicable. 
MacGregor, G., Man. West of Scotland Y\x^. 
Mack AY, A., Gen. Man. Law Union <5r» Crown, 
Mackenzie, R. K., Assist. Sec Norwich 

Union Fire. 
Mackillop, J. F., Leeds Man. Provident, 
MacKinnon, J. , Assist. Man. General Accident. 
Mackintosh, J. S., Undr. London Assurance 

Corporation. 
Maclagan, p. R. D., Edinburgh Man. North 

British <Sr* Mercantile Fire, Life, and Anns. 
Maclean, G. C, Edinburgh Man. Scottish 

Amicable, 
Maclure, R., Manchester Res. Sec. Scottish 
Widows* Fund. 



Macneil, p., Res. Sec Glasgow Br. Caledonian 

Fire & Life. 
Macniven, a., Manchester Sec. Sun Life. 
Mainland, J. F., Sec. Indemnity Mutual M. 
Manly, H. W., Act. & Sec. Equitable, 
Mann, H., Sec. Commercial Union, 
Mannering, G. W., Assist. Sec London ^ 

Lancashire Life. 
Mannering, W., Home Fire Supt. Northern, 
Marks, G., Act. & Man. NcUioncd MutueUlAft. 
M arrack, R., Sec. Reversionary Interest, 
Marriott, H. E., London Man. Scottish 

Metropolitan. 
Marsden, J. W., Man. Liverpool Br. Atlas, 
Marshall, J., Gen. Man. Independent Order of 

Foresters. 
Marshall, S. , Birmingham Sec. British Empire 

Mutual, 
Marshall, T. A., Sec Methodist &* General, 
Marsland, G. H., Res. Sec Manchester 

ffand-in-Hand. 
Martin, C. B., Belfast Local Sec Standard L. 
Martin, M. L., Man. & Sec Scottish Accident. 
Martin, R., Man. Yorkshire Provident. 
Massie, J. F. M*P., Treas. and Man. Aberdeen &* 

Northern, 
Mather, J., London Sec Scottish Imperial, 
Mathison, a,., Birmingham Sec. Guardian 

F. &L. 
Maughan, H. G. R., Sec. Marine Limited. 
Mawer, E. W., Man. & Sec London (5r* North 

British Plate Glass. 
Maxwell, Sir J. R. H., Sec. St. James 

Br. Alliance. 
Mayne, G. H., Sec. National Reversionary, 
McBride, J. C., Man. & Sec. Globe Accident. 
McCarthy, C. G., Gen. Man. Brewer^ 6r» 

Getural, 
McCleery, J. C, Leeds Dist. Man. Star 

Life. 
McIntosh, J., Sec. Edinburgh Br. Liverpool 

<5r» London &' Globe, 
McLaren, C. E., Manchester Sec. Standard L. 
McLauchlan, J. J., Sec Scottish Equitable. 
McLeish, a. R., Manchester Sec. British 

Empire Mutual, 
McNeall, R., Sec. Blackburn Philanthropic 

Mutual, 
McNeill, A., Sec. British 6* Foreign Marine. 
McNeill, J. H., Lon. Sec. Sickness 6r» Accident. 
McWean, W. J., Liverpool Man. London <Sr» 

Lancashire. 
M'CUAIG, G., Act. Scottish Union <&* National. 
Mead, G. E., Joint- Asst. Sec. Sun Fire. 
Meikle, J., Act. Scottish Provident. 
Mellish, C., Channel Islands Man. Scottish 

Metropolitan. 
Merriman, Natl., Sec. National Accident, 
Middlebrook, T., Sec. Bradford VlaXe Glass. 
Miller, F. N., Man. Dir. General Accident. 
Miller, J. W., London Sec. Scottish Widows* 

Fund. 
Mills, D. Y. , Assist. Sec. Scottish Equitable, 
Milne, J. D., Sec. Manchester Br. City of 

Glasgow, 
Milton, H., Stc^w^e^^ufff^^ifrperatum. 



40 



INSURANCE REGISTER, 



Minors, E., Br. Man. Bristol Clerical^ Medical 

dr* General, 
MiRYLEES, D., Assist. Sec. Alliance. 
Mitchell, D., Sec. Glasg. Br. Yorkshire F.&L. 
Mitchell, R. K., Man. Lancashire ^Yorkshire 

Accident. 
M 'Laren, C. E. , Manch. Local Sec. Standard L. 
MoiR, J, R., Man. & Sec. Liverpool Plate 

Glass. 
Molloy, p., Newcastle Sec. British Empire 

Mutual, 
MoNis, R. S., Man. Ulster Plate Glass. 
Monilaws, W. M., Insp. Scottish Provident. 
Moore, R. M., Assist. Act. United Kingdom 

Temperance, 
MORANT, G. C, Assist. Fire Man. Commercial 

Union, 
Morgan, W., Assist. Act. Equitable Life. 
MORISON, B., Man. Westminster Br. Norwich 

Union Life. 
Morrison, J., Res. Sec. Leeds Hand-in-Hand, 
Mortimer, T. S., Sec. Western Annuity, 
Morton, W. J., Belfest Man. London &* 

Lancashire, 
MosMAN, A. W., Sec. Scottish Reversionary, 
Moss, E., Sec. Engine Boiler <5r» Employers^ 

Liability, 
Moss, R., Sec. Refuge, 
MoYES, J. H., Lon. Sec. Commercial Fire. 
MuNKiTTRiCK, A., Jt. Gen. Man. for Great 

Britain & Ireland Equitable (U.S.). 
MuNRO, J., British Man. National Mutual of 

Australasia, 
MuNRO, P., Leeds Sec. Scottish Provident, 
Murdoch, A. J., Sec. Dundee &* District 

Mutual. 
Murray, J., Manchester & Liverpool Man. 

Caledonian Fire & Life. 
MusGRAVE, S., Leeds Man. Pelican, 
Muzio, A., Sec. Guarantee Society, 
Myers, G. H., Gen. Man. British Union, 
Myers, P., Assist. Sec. Alliance, 



Naismith, C, Manchester Dist. Man. Norwich 

Union Life. 
Nash, W. O., Act. Law Reversionary, 
Neill, T., Gen. Man. London^ Edinburgh 

<Sr* Glasgow, 
Neison, F. G. p.. Act. Royal London Friendly ^ 

Western Annuity^ <Sr»r, 
Newlands, G., Aberdeen Sec. Scottish 

Temperance, 
Newman, P. L., Act. Yorkshire Fire & Life. 
Nicholls, E. W., Undr. Alliance Limited, 
Nicholson, J. C, Sec. Maritime, 
Nicholson, S. T., Sec. Hull (5r* Eastern 

Counties Plate Glass. 
NicoL, W. S., Assist. Man. City of Glasgow. 
Nightingale, H. E., Act. Royal Exchange, 
Norton, G. P., Sec. Yorkshire Guarantee. 
NovERRE, C. E., London Man. Norwich 

Union Fire. 
Nuttall, L., Dublin Sec. Guardian, 
Nye, a. B., Chief Clerk General lAi^. 



Udgers, J., Man. Co-operative. 
O'Donoghue, J. K., Gen. Man. & Sec. 

Licenses Insurance Corporation, 
Ogden, H., Leeds Sec. Manchester. 
Ogilvie, J. G., Newcastle Sec Caledonian F.&I* 
O'Leary, H., Birmingham Sec. Life Associatvm 

of Scotland, 
Oliver, A., Leeds Man. Union, 
Oliver, G., Sec. Standard USt. 
O'Neill, H. D., Br. Man. Leeds Clerical^ 

Medical dr» General, 
O'Reilly, B. H., Man. & Sec. Patriotic. 
Orr, L. p.. Joint Sec. Scottish Life. 
OsBALDSTON,W., Manch. Sec. Legal &* General 
Ostler, J., Manchester Sec. Northern F. & U 
Owen, D., Sec. Alliance Marine. 
Owen, E. R., Fire M&n, Commercial Union. 
Owen, O. M., Sec. LiverpoolBr. Alliance, 

Packer, H. W., Peterborough Supt. Nationd 

Provident, 
Pagden, L. K., Act. Union. 
Panton, G. a., Birm. Sec. Scottish Provident, 
Parker, C. H., London Res. Sec. Northern K 
Parker, W. S., Sec. Accident Dept. Scottish 

Metropolitan, 
Parry, M., Caniifr Man. Royal, 
Paterson, D. R., Man. & Sec. Equitable Fir0 

& Accident. 
Paterson, W. B., Assist. Act. Norwich Union L. 
Patrick, A. E., Birmingham Man. Patriotic. 
Paulin, D., Man. Scottiih Life. 
Paull, R. J., Gen. Man. & Sec. Occat 

Accident &* Guarantee, 
Pearce,W. C.,Sec. Friendly Societies &^ General. 
Penn, a., Glasgow Sec. English &* Scottish L 
Pemberton, J., Undr. Reliance Marine. 
Perkins, J. E., Man. Liverpool Br. Royal 

Exchange, 
Petrie, J., Dublin, Assist. Sec. Lifi 

Association of Scotland. 
Phelps, W. P., Assist. Act. Equity &'Law. 
Phillips, E. St. J., Sec. City Br. Law Accident 

&* Contingency. 
Phillips, H. C, London Agency Supt National 

Provident. 
Phillips, I., Sec. Welsh Baptist, 
Phillips, J. G., Sec. Sceptre Life. 
Phillips, L C, West-End Man. PalatineY.kk. 
Pike, L., Exeter Man. Star, 
Pim, J. & Son, Belfast Sees. Imperial Life. 
Pipkin, S. J., Gen. Man. & Sec. Atlas. 
Plummer, H., Sec. Wesleyan Methodist Trust. 
Pocklington, H., Yorkshire Dist. Man. 

Commercial Union, 
Pope, Henry R., Sec. Absolute Life. 
Port, H., Man. Dir. British Workman's ^ 

General, 
Port, S. J., Sec. British Workman's 6^ General. 
Porteous, W., London Sec. Scottish Union &* 

National. 
Porter, C. W., Bristol Sec. North British d' 

Mercantile. 
PORTWAV. P^ ?.^ Ma^^^^ Br. Atla.. 



INSURANCE OFFICERS* DIRECTORY. 



41 



PosNETT, R. T., Dublin Sec. Life Association 

of Scotland, 
Potter, T., Sec Accident, 
POTTERTON, W. M., Res. Sec. Scottish Widows' 

Fund, Belfest. 
PpuLTER, H. B., Dublin Man. Manchester F. 
PovAH,C., Sub-Man. UitDept.LancashireY.8LL. 
Powell, J. , Lond. Man. London <Sr* Lancashire F. 
Prentice, A., Newcastle Sec. Life Association 

of Scotland, 
Price, A., Sec. Ocean Marine. 
Price, W. J., Assist. Sec. Life Association of 

Scotland. 
Pringle, T., Sub. Man. Life Department 

North British <Sr* MercanHle. 
Pringle, W., Dundee Sec. Northern F. & L. 
Pritchard, a W. G., Birmingham Man. 

Gresham. 
Proctor, J., Man. Refuge. 
Profumo, Baron, Man. Dir. Provident Free 

Home Assurance Company, 
Pullen, S. W., Bristol Man. Palatine. 
Purser, W., Res. Sec. Scottish Widows' 

Fund, Dublin. 
PURVES, R. W., Birmingham Sec. Scottish 

EquttcUfle. 
Pyke, J., Belfast Man. Patriotic. 



Kanken, E., Portsmouth Sec. Sun Life. 
Rankin, W. C, Glasgow Sec. Lancashire. 
Rann, a. R., Birmingham Man. London 

Assurance. 
Ratliffe, B. E., Jt. Sec. County Fire. 
Rawlings, E., Pres. Guarantee Company of 

North America. 
Rawlins, H. C, Lpool. Sec. Legal <Sr* General. 
Ray, H. H., Sec. Hand-in-HandY . & L. 
Rea, C. H. E., Act Pearl. 
Read, J. P., London Sec. Lancashire. 
Redmayne,J.M., Dist. Man. North of England 

Commercial Union. 
Rees, W., Cardiff Insp. Economic. 
Reid, G. E., Brit Sec. Sun Life of Canada. 
Reid, W., Agency Supt. WestminsUr <&* 

General. 
Relton, a. J., Fire Man. Gttardian. 
Richardson, A., Newcastle Sec. Scottish 

Provident. 
Richardson, W., Liverpool Man. North British 

6* Mercantile. 
RiCKMAN, W., Liverpool Dist. Man. Com- 
mercial Union, 
Riddel, W. H., Man. Bristol Br. Atlas. 
RiLEY,T. S., Leeds Man. Law Union <&* Crown. 
Riley, W. H., Res. Sec Leeds Br. Yorkshire. 
Ripley, J. W., Leeds. Sec. Imperial Y\xt. 
RiSELEY, H. L., Sec. British dr» Irish P. G. 
Ritchie, D., Man. for Scotland Star Life. 
Ritchie, F. B., Sec. Security. 
Robertson, C. McL., Glasgow Sec. British 

Empire Mutual. 
Robertson, H. G., Man. Glasgow Br. United 

Kingdom Temperance, 
Robertson, J. A, Man. Scottish Reversionary, 



Robertson, J. J., Assist Sec. Life Association 

of Scotland. 
Robertson, J., Dublin Sec. Northern F. & L. 
Robertson, J., Sec. Aberdeen &* Northern. 
Robinson, S. G., Dublin Sec Standard L. 
Robinson, T., Sunderland Man. Star. 
RoBisON, R, Birmingham Man. Royal F. & L. 
RODEN, T. S., Newcastle Man. London df 

Lancashire, 
Rodger, A K., Man. Scottish Temperance, 
Roe, W. D., Newcastle-on-Tyne Man. Union, 
Rogers, E. P. G., Man. Dir. Plate Glass, 
Rolland, J. H. W., Gen. Sec England 

Standard Life. 
Ronald, T. R. , Gen. Man.& Sec. Law Guarantee 

<&* Trust. 
ROONEY, H., Leeds Res. Sec. Scottish Widows' 

Fund, 
Roughsedge, J., Sec LoycU Philanthropic F. S. 
Rowley, Col. Hon. H., Res. Sec. London 

Guarantee & Accident. 
Rowsell, H. G., Jt. Sec. National Mutual L 
Ruff, F. A, Scottish Supt. National Provident, 
Rutherford, F. W. , Man. & Sec. National Burg. 
RUTTER, F. W. P., Man. London df Lancashire 

Fire. 
Ryan, G. H., Gen. Man. & Act British Empire 

Mutual, 
Ryder, G. R., Supt. Westminster Br. Alliance, 

Sanderson, H. J., Man. & Sec. National 

British dr» Irish Millers, 
Saunders, H. C, Res. Sec. Scottish Widows' 

Fundy Newcastle-on-Tyne. 
Saunders, J., Bristol Man. Provident. 
Savile, C. C., Bristol Dist Man. Royal, 
Sayer & Seymour, Dist Agents Birmingham 

Hand-in- Hand. 
SCEALES,A. E.,AsstSec. Scottish Widows' Fund, 
Schooling, F., Act. Prudential, 
Scott, A. G., Asst. Man. English &*Scot, Law, 
Scott, J. H., Gen. Man. & Sec. Gresham, 
Scott, W. J., Aberdeen Sec. Royal, 
Scott, W. P., Sec Free Church of Scotland Y. 
Secretan, H. E., Undr. London ^Provincial 

Marine. 
Secretan, P., Undr. Ocean Marine, 
Seeds, R., Belfast Sec. British Empire Mutual. 
Sewell, R., Act. Sun Life. 
Seyfang, W. L., Gen. Man. & Sec. Kent Fire 

and United Kent Life. 
Sharp, J., Sec. Life Association of Scotland, 
Shaw, C. H., Leicester Man. Royal, 
Shaw, E. M., Man. Dir. West End Br. Palatine, 
Shaw, J., Undr. Union Marine, 
Shaw, L. K., Manchester Sec. Scottish L. 
Sheriff, W. P., Aberdeen Sec. Northern. 
Shield, W. S. , Newcastle Man.iVi7rz£/K'A Union L. 
SlME,'J., Glasgow Man. Patriotic, 
Simon, L. M., Act. & Sec. Metropolitan Life. 
Sinclair & Boyd, Mans, and Undrs. Ulster M. 
SiNCOCK, Wm., Birm. Dist. Man. Pelican, 
Skett, E. , Sec. Chancery Lane Br. Alliance, 
Sloan, T. M., Birmingham Man. London <Sr* 

Lancashire, i r\r^c^\o 

Digitized by VjOOy Ic 



42 



INSURANCE REGISTER. 



Smith, £. C, Gen. Man. & Sec. Imptrial Fire. 
Smith, J., Jt.- Assist. Sec. Sun Fire. 
Smith, J. T., Man. Life Association of Scotland, 
Smith, W. A., Edinburgh Man. & Sec. English 

&* Scottish Law. 
Smith, W., Manchester Sec Life Association 

of Scotland. 
Smither, a.. Act. & Sec. National Provident. 
Smithett, E. H., Chief of Town Dept. Com- 
mercial Union. 
SORLEY, J., Act. & Gen. Man. Pelican life. 
SouTER, C. W., Met. Dist. Man. Gresham. 
Spens, W. G., Sec. Scottish Amicable. 
Spebrs, J.,Manch. Dist. Man. Commercial Union. 
S FILLER, W. H., London Man. Insurance 

Company of North America. 
Sprague, T. B., Act. & Man. Scottish Equitable. 
Stark, E. A., Dist. Man. Leicester Br. 

Commercial Union. 
Stark, J., Actuary Reversionary Interest. 
Starkey, W. H., Liverpool Dist. Man. Star L. 
Stead, J. L., Sec. Ancunt Order of Foresters. 
Stenhouse, G. C, Assist. Act. Scottish Widows' 

Fund. 
Stevens, C, Act. & Sec. Provident Life. 
Stevens, G. W., Jt. Sec. County Fire. 
Stevenson, H. J., Sec. North British 6r* 

Mercantile^ Edinburgh. 
Stewart, C, Acct. Standard Life. 
Stewart, D., Sec. Glasgow Br. Liverpool <5r» 

London &* Globe. 
Stewart, J., Assist. Act. City of Glcugow Life. 
Stewart, J., Man. City of Glasgow F. S. 
Stewart, J. W., Res. Sec. Glasgow Hand-in- 

Hand. 
Stirling, J. A., Gen. Man. & Sec. Trustees, 

Executorsy (Sr*^., Insurance. 
Stirling, R., Jt. Act. Law Union ^ Crown. 
Stcx:k, p., Leeds Man. London Assurance. 
Stone, W., Compt. Mutual Reserve Fund, N. Y. 
Storey, T. J., Undr. British <5r» Foreign Marine. 
Strachan, T. Y. , Cons. Act. Mutual Provident 

Alliance. 
Stride, G. B., Dublin Man. Royal. 
Strong, C. E., London Man. Patriotic. 
Struthers, G., London Sec. Scottish Life. 
Sugden, F. H., Manchester Man. United 

Kingdom Temperance. 
Sumner, H., Undr. Maritime l/Ldjm^, 
SURENNE, D. J., Sec. Caledonian Fire & Life. 

Taunton, F. H., Sec. Royal Liver F. S. 

Tavener, a. a., Bristol Sec. Northern F. & L. 

Taylor, R., Manchr. Man. London Assurance. 

Taylor, R. A., Man. & Sec. Commercial ¥ue, 
Scotland. 

Taylor, W. P., Leeds Sec. British Empire. 

Tebb, E., Sheffield Man. Star. 

Tennant, J. B., Sec. & Act. Friends' Provident. 

Thiselton, H. C, Act. Hand-in-Hand, F. & L. 

Thompson, D. J., Sec Liverpool Protective F. S. 

THOMPSON,J.H.,Manch. Sec. Thames^ Mersey. 

Thompson, R. W., Man. & Sec. Northern A. 

Thomson, R. T., London Sec. Scottish Em- 
ployers* Liability. 



Thomson, S. C, Man. & Act. Standard Life. 
Thomson, W. E., Man. Dir. Crown Accident. 
Thomson, W., Insp. Liverpool Mortgage Co. 
Thorn E, G., Dir. -Gen. Mutual Reserve. 
Tilt, R. R., Assist. Act. General Reversionary. 
Tipping, W. A., Gen. Man. & Sec ScottUk 

Alliance. 
Todd, G., Act. & Sec. Economic Life. 
TODHUNTER, R., Assist. Act. NcUional Mutual. 
TOMBAZIS, J. A., Dundee Man. Royal 

Exchange. 
ToMLiNSON,W. F., Leeds Sec. Life Assodatim 

of Scotland. 
TONGE, R., Sec. Manchester Steam Users' 

AssocicUion. 
TouLMiN, S., Undr. Royal Exchange. 
Trenam, C. H., Manchester Sec. Northern. 

Accident. 
Triggs, W., Jt. Gen. Man. for Great Britain 

and Ireland Equitable (U.S.). 
Trotter, J. Dundee Sec. Scottish Union dr* 

National. 
TURNBULL, A. D. L., Assist. Sec. Caledonian. 
TURNBULL, A. H.,Man.&Act.5V:^//MA Widows'. 
Turner, J., Hull Dist Man. Star Life. 
Turner, J. R., Assist. Sec. British Empire. 

Y ALLANCE, C. B., Man. Reliance Marine. 
Venning, C. H., Sec. Local Govt. Guarantee. 
ViAN, A., Sec. Railway Passenger^, 
Vickers, B., Lincoln Sec. Royal. 
Vine, W. J., Assist. Sec. Law Fire, 
ViNEN, G. S., Acct. Guardian Fire& Life. 

Wain WRIGHT, J., Oldham Man. State. 
Wakbman, F. J., Birmingham Res. Sec 

Law Union 6^ Cro7vn. 
Walker, D., Assist. Sec. Norwich Union Life. 
Walker, W. J., Sec. Scottish Plate Glass. 
Wallace, T., Edinburgh Act. North British 

&* Mercantile. 
Wallace, W. H., Liverpool Sec. Scottish 

Provident Institution. 
Wallis, A.,Lond.Man.A>ff/F.& United KentL. 
Ward, J. T., Belfast Man. Norwich Union. 
Warden, H. F.,Res. Sec. Manchester K7r^jAi« 

Fire & Life. 
Wardle, J., Leeds Man. Liverpool 6^ London 

<5r» Globe. 
Wardrop, J. C, England Gen. Sec. Life 

Association of Scotland. 
Warham, C. p., Newcastle Sec. Economic. 
Warner, S. G., Sec & Act. Law Union & 

Crozon. 
Waters, A., Man. Dir. Horse Insurance and 

London 6r* Provincial Horse & Carriage. 
Waterstone, J. S., Newcastle Sec. Alliance. 
Watson, C. & Sons, Newcastle Mans. United 

Kingdom Temperance. 
Watson, D., Man. Caledonian Plate Glass. 
Watson, J. & J., Local Sees. Leeds Standardh. 
Watson, J. G., Man. Scottish Provident. 
Watson, R., Act. Aberdeen <5r» Northern. 
Watson, R. C, Newcastle Sec. Scottish Eguit. 

Digitized by VjOOQ IC 



INSURANCE OFFICERS' DIRECTORY. 



43 



Watson, T., Res. Sec Scottish Widmv^ Fund, 

Gla^;ow. 
Watson, T. W., Man. Scottish Imperial, 
Watson, "W., Leeds Sec. Westminster Fire. 
Waynb, F. H. M., West End Man. Royal 

Exchange, 
Webb, W., Leeds Sec. Guardian. 
Webster, W. Keith, Dist. Sec. Glzsgoyr Pelican. 
Weld, H. T., Sec. Cumberland G\acs&, 
Whalley, E., Man. Liverpool Br. Union F.& L. 
Whamond, J. R., Man. Securities. 
Wharton, J. H., Res. Sec, Dublin Imperial L. 
White, A. E., Agency Man. Pelican. 
White, F. A, Man. Marine. 
White, A. W. , Ncastle. Man. Marine <5r» General. 
White, H., London Man. Palatine A. & F. 
White, H. J. G. , Sec, Ireland Mutual Life, N. Y. 
Whittaker, T. P., Man. Dir. United Kingdom 

Temperance, 
Whittall, W. T. H., Act. & Sec. Clerical, 

Medical 67* General. 
WiLKiNS, W. G., Fire Man. Union Fire & Life. 
Will, G., Agency Supt. (N.E.) National 

Provident. 
Williams, F. B., Man. London ^General P. G. 
Williams, H. M., Sec London <5r» General V.G, 
lATiLLiAMS, R., Assist. Sec Shrewsbury Br. 

Alliance. 
Williamson, T.W., Sec. Liverpool Br. Yorkshire 

Fire & Life. 
WiLLsoN, Edward, Sec Ncttional Cycle <&* 

Motor Car. 
Wilson, H. E., Glasgow Man. Marine &* 

General, 
Wilson, H. E., Gen. Man. Northern Fire& Life. 
Wilson, R., Act. General Life, 
Wilson, R. R., Sec. Horse <Sr» Live Stock and 

London 6* Provincial Horse & Carriage. 



Winckle, W. B., Man. Dir. Provident T, G. 

Windett, C, Assist. Man. Legal ^ General, 

Winn, F. R., Birmingham, Yorkshire. 

WiRGMAN, T. E., London Man. Magdeburg, 

Wood, S. B., Assist. Act Metropolitan Life. 

Woodburn, a., Res. Sec. L'pool. Br. Imperial 
Life. 

Woodhill, W. W., Bristol Man. Commercial 
Union, 

Woods, A. B., Assist. Act. Rock Life. 

Woods, E., Act. Westminster <5r» General, 

Woodward, A. J., Birmingham yi2Xii,Economic. 

Woodward, G. A, Res. Sec Scottish Widows* 
Fund, Liverpool. 

Woodward, W., Man. Dir. London &* Man- 
chester Industrial. 

WooTTON, J. W., Leeds Man. Sun Life. 

Wray, T. C, Man. -Dir. University. 

Wrigglesworth, B., Leeds Sec. English 6* 
Scottish Law. 

Wright, H. G., Birmingham Man. Marine &* 
General, 

Wright, H.W., London Man. Globe Accident. 

Wright, R., Manchester Man. Royal. 

Wright, R. Y. M., Birkenhead Man. RoycU. 

WURR, H., Man. British Life. 

Wyatt, F. B., Act. Clergy Mutual. 



Yarrow, H. E. C, London Man. State, 
Yeo, A. W., Sub. -Man. & Assist. Sec. Atlas. 
Young, A. J., Sec. Sickness and Accident. 
Young, J. D., Man. Dir. Scottish Boiler and 

Mercantile Accident & Guarantee. 
Young, T. E., Act. Commercial Union, and 

Cons. Act. Provident Clerks', 



Digitized by 



Google 



44 



INSURANCE REGISTER. 



LIST OF INS TITUTES. 

The iDsdtate of ictoaries. 

Founded 1848. 

Incorporated by Royal Charteri 1884. 

STAPLE INN HALL, HOLBORN, LONDON, W.C. 

Ordinary Meetinfs— If oyzmher 97th, December i8th, January a9th, February a6th, March a6th, 
April 3oCh. The Chair is taken at Half-past Five o'clock precisely. Annnal GenermI Meetint^— Thursday , 
7th June, X900, at Five o'clock precisely. 

President — Henry William Manly. 
Vice'Presidenit—WiWvua. Hughes, Gerald H. Ryan, Frank B. Wyatt, James Chisholm. 

CcunciL 



Thomas G. C Browne. 
*David Alexander Bumsted. 

Arthur F. Burridge. 
Mames Chatham. 

James Chisholm. 
*rrancis E. Colenso. 

Ernest Colquhoun. ^ 

George Stephen Crisford. 

Robert Cross. 
^Sunley Day. 



Joseph Ernest Faulks, b.a. 
Alexander J. Finlaison, c b. 
George Francis Hardy. 
Ralph Price Hardy. 
Augustus Hendriks. 
Charles Daniel Higham. 
William Hughes. 
George Kin^. 
Henry William Manly, 
eoffrc 



Geoffrey Marks. 

* Not Members of the last Council. 

7>mM»rrr— Charles Daniel Higham. 

Honorary Secretaries — Arthur Francis Burridge and Ernest Woods. 

Honorary Liirarians—Frtderick Schooling and Geoffrey Marks. 

Assistant Seeretary— Alfred G. Wiggins. 



Willie Oscar Nash. 

Philip Lewin Newman. 

^ Harry £. Nightingale. 

Gerald H. Ryan. 

James Sorley. 

Thomas B. Sprague, m.a., ll 

George Todd, m.a. 

Ernest Woods. 

Frank Bcrtrand WyatL 

Thomas Emley Young, b.a. 



The Actnaries' CInb. 

Established 4th November, 1848. 
Members, 



A. B. Adlard {LawY 187, Fleet-street, B.C. 
M. N. Adler. 

H. W. Andras {University), 25, Pall Mall, s.w. 
A. H. Bailey. 
G. W. Berridge. 

T. G. C. ^royrne {Guardian), 11, Lombard-st., b.c. 
D. A. Bumsted. 

A. F. BxandgtlEquity &* Law), Lincoln's Inn Fields. 
J. Chisholm {imperiaD^ 1, Old Broad-street, B.C. 
H. Cockbum {North British 6* Mercantile), 61, 
Threadneedle-street, b.c. 

F. E. Colenso. 

G. S. Crisford. 

F. A. Curtis. 

G. Cutcliffe. 

Griffith Davies(lateZ>awZ.f>^), 27, Highbury-hill, n. 
Archibald Day (late Scottish Widows'), Clifton 

Lodge, St. John's-road, Blackheath. 
S. Day. 
D. Deuchar. 
T. C. Dewey. 
Y. R. Eccles. 

A. J. Finlaison,c. h.{NationalDebt),0\d}cwryf,K.C, 
N. B. Gunn. 
G. F. Hardy. 
Aug. Hendriks {Liverpool <Sr» London <Sr» Globe\ 

I, Comhill, B.c. 
F. Hendriks {Umversal), i, King William-st., b.c. 



C. D. Higham {London Life), 8x, King William- 
street, b.c. 
William Hughes {Prudential), Holbom Bars. 
G. King. 

F. M'Gedy Gate La/m Union), Hon. Member. 

H. W. Manly {Equitable), Mansion House-st., b.c 

G. Marks. 
A. Pearson. 

J. G. Priestley (late Sun), 44, St. German's-road, 
Forest Hill, s.b. 

G. H. Ryan {British Empire ^»/sM(0,King William- 
street, B.C. 

F. Schooling. 

L. M. Simon. 

A. Smither {National Provident), 48, Grace- 
church-street. 

J. Sorley. 

Charles Stevens {Provident), 50, Regent-st., w. 

J. Terry (late Hand-in-Hand), Blackheath. 

George ToddiEconomic), New Bridge Street, B.C. 

W. H. Tyndall(late Atlas), Hon. Member, RedhiU. 

W. J. H. Whittall. 

T. B. WinserOate Royal Exchange), 81, Shooters' 
Hill-road, Blackheath, s.b. 

E. Woods {Westminster &* General), 28, King- 
street, Covent Garden. 

F. B.WYa.tt{Clergy Mutual), 2, The Sanctuary, s.w. 
T. E. Young {Commercial Union), ComhUl, E.C. 



Treasurer— A. F. Burridge {Equity and Law), Lincoln's Inn Fields. 



Life AssnraDce Medical Ol&cers' Association. 

General Meetings — First Wednesdays in January, March, May, and November. 
Council, 
President— Sv[ Herman Weber, m.d. Vice-Presidents— T. Glover Lyon, m.d.; S. Vivian Poorc, m.d. 

Treasurer— C Theodore Williams, m.d. 
Sir Hugh Beevor, Bart. I R. Hingston Fox. I F. De Havilland HalL 

A. T. Davies, m.d. G. A. Heron. Claud Muirhead, m.d. 

Sir R. Douglas-Powell, Bart. C. E. Hoar, m.d. | J. F. Payne, m.d. 

J. E. Pollock. 
Hon. Secretary— Htctor Mackenzie, m.d., 59, Welbeck Strost. ^^^^^1^ 

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LIST OF INSTITUTES, &C. 45 

ictnarial Society of Edlnbnrdh. 

InsHiuted 3rd February ^ i^g. 
Meetings— Thit Meetings of the Society are held (November to April) in the rooms of the Faculty of 
Actuaries, No. 24, George Street. The chair is taken at 8 p.m. precisely. 

President— Junes Meikle, f.f.a., p.i.a., Scottish Provident^ Edinburgh. 
yice-Presidents— John Nicoll, Lije Association ; Henry Moir, Scottish Life. 



G. C Stenhouse, Scottish Widows* Fund, 
Robt. Murrie, Scottish Eqnitabie, 
Alex. Fraser, Edinburgh Life. 
J. B. Gibb, Standard, 



Committee. 



^M. Warden, Scottish Equitable, 
s. Watt, W.S. 
. G. M. Rennie, North Brit. ^ Mercantile. 



Tftasurtr—C F. Wigham, Scottish Provident. 
Secfttarr—'W. A. Sim, Scottish Union A- National 



Faculty 



of ictnaries in Scotland. 

Incorporated by Royal Charter. 

HALL.— 94, YORK PLACE, EDINBURGH. 

President — David Deuchar, Caledonian^ Edinburgh. 

Vice-President— Jiunes Meikle, Scottish Provident^ Edmbuigh. 

Hon. Secretary— Thomas Wallace, North British &» Mercantile. 

Hon. Treasurtr^-Cohn McCuaig, ca., Scottish Union &* National 

Members qf Council. 



John Lamb, ex., Scottish Provident^ Edinb. 

A. H. Tumbull, Scottish Widows' Fund. 

P. R. D. Maclagan, North British. 

A. Hewat, EditUmrgh Life. 

James Fenton, North British. 

Geo. Cameron, Standard^ Edinburgh. 



W. R. Macdonald, Scottish Met.y Edinburgh. 
T. B. Sprague, ll.d., Scottish Equit., Edinb. 
N. B. Gunn, Scottish Amicable^ Glasgow. 
G. M. Low, Edinburgh^ Edinburgh. 
Hugh Blair, ca., 13, York Place, Edinburgh. 
John Nicol, Life Assoc. o/Scotland, Edinb. 



Acting Secretary — Henry Moir, Scottish Life^ 19, St. Andrew Square, Edinburgh. 



Insurance and ictnarial Society of Glasgow. 

Founded 1881. 

President— D. L. Laidlaw, North British &• Mercantile, 

Vice-Presidents. 

N. B. Gunn, Scottish Amicable; W. A. Tipping, Scottish Alliance; W. Smith Nicol, f.p.a.. 

City of Glasgow. 
Committee. 



Pl. Blair, London &* Lancashire Fire. 
A. K. Rodger, Scottish Temperance. 
A. Guthrie, Guardian. 
D. Macintosh, Sun. 

Hon. TWaffwtrr— Stewart Lawrie, AUiance^ 151, West Geone-street. 
Hon. Secretary— YL. G. Andrewes, Scottish Union &* National, 150, West George-street. 



James Stirling, r.r. a., Scottish Imperial. 
G. W. M'Ewen Bremner, Northern. 
J. W. Stewart, Hand-in-Hand. 



Tbe Insnrance Institate of Mancbester. 

President— J. B. Caimie, Liverpool <Sr» London A- Globe. 
Vice-Presidents— D. R. Paterson, Equitable Fire; Geo. F. Cook, Scottish Union A- National. 

Council. 
C. F. Brenan, National of Ireland. | R. K. Mitchell, Lanes. A- Yorks. Accident. 

'B.,Ty.Cwnnck.i Norwich Union. ' ^ "" ^" 

C Hobbins, Eock. 



J. D. Milne, City of Glasgow. 
C. Povah, Lancashire, 



Honorary Secretary and Treasurer— I^lo^. A. Bentley, London &* Lancashire Fire, 
Place of Meetings-Chartered Accountants' Hall, 65, King Street. 



Insurance Association of Manchester. 

President— G. J. Johnston, Atlas, 

Vice-Presidents. 

. H. Bagshaw, Union ; C. F. Brenan, National of Ireland; J. Bruce Caimie, Liverpool &• London 

&» Globe; H. Osborne Essex, Lancashire; W. Hartley, Equitable; C. Povah, Lancashire. 

Committee. 



W. H. Aldcroft, Eifuge. 

A P. Crawley, Northern. 

T. W. Ford, Lancashire. 

R. A. Grant, Lancashire. 

F. W. Holding, Hand-in-Hand. 

W. A. Holme, Scottish Metropolitan. 



i 



E. Jones^ Sun, 

Lowe, union, 

Ray, Palatine. 
G. Douglas Wicks, General 
J. Harcourt Willson, Atlas. 
W. H. Williams, North British <Sr» Merc. 



Hon. Treasurer— A. H. Coomes, Lancashire. 
Hon. Secretary— James Fallow, Liverpool b* London <Sr* Globe, 59, King Street, Manchester. 

Digitized by VjOOQ IC 



46 INSURANCE REGISTER. 



Tbe iBsuince Institate of TorksUn. 

FouMdtd i888, 

LEEDS. 

Prtsident—}. H. Mills, PaioHng, 

Past PrtMtdtntt wkc art Ex-^jSlcio Mtmbtrt of ikt Council—}, A. CunniDKhame, Yorkshire; 

J. B. Tennant, P.I.A.. FrUnds* ProvitUni InsHiHiioH ; T. S. Riiey, Law Umon ^ Crown, 

James Wardie» Livtrpool b^ Linden ^ Globe; J. B. Roberu, Sun, 

Vice-Presidents— Y. R. Hardingham, Rock; C. M. Tate, Ocean; T. P. Eddison, Nortk BrtHskA^ Merc, , 

J. W. Wootton, Sun Life; D. M. Linley, Britisk Law; F. G. Allen, Atlas, 

Council 



W. A. Bingham, SiaU. 

H. T. O. Legntt, Caledonian. 



O. Legntt, 
J. Morrison, Hand-in-Hand, 
r, L. Newman, b.a., p.i.a., Yorkshire, 
A. H. Cowpe, Royal. 
H. Barker, Pkanix. 



G. Lithgow, Sun. 



G. Pursnon, RoyaL 

F. C. Metcair, Atlas, 
A. W. Sneath, Hamd-in-Hand. 
W. Thorp, Assessor. 

G, Wardman, Patriotic. 

Hon. Trtasuret^-W. RUey, Commercial Union. Hon. Lihurian—W. A. Hoht>yd, SunFirv. 

Hon. Secretary— "&. Bagshaw, Pkcenix, Assistant Hon. Secretary— K. Riley, Law Union &* Crown. 



The Insnrance Institate of Inland. 

InsHtuted i8^. 

President — Samuel Butler, London ^ Law Fire. 

Yice-Prtsidents—B. H. O'Reilly, Patriotic; C. C. Cream, National of Ireland ; T. Speedy, Union. 

Council. 



C. E. Howell, LL.D., A. I. A., Standard. 
W. S. Kinnear, Sun. 



J. Liver, Manckestor, 

w. r " 



J, C. Anderson, Commercial Union. 

John Antonio, Patriotic. 

£. Tenison Collins, B.L., N, Britisk ^ MercemtiU, 

Wm. Coote, Sun, 

C R. DUnbar, London ^ Liverpool ^ Gloke, 

George Elliott, National Provident. 

Hon. Treasurer— C. E. Taylor, London. 
Hon. Secretary— "W. B. Tyne, Standard Life. 



R. McNab, Guardian. 
S. G. Robinson, Standard. 
R. Torrance, Norwick Union. 



The Insurance Institute of Binnln^am. 

President— J, Headon Boocock, Commercial Union, 

Vice-Presidents— C. D. Butler, Royal Exckange ; A. J. Levris, Sun Fire. 

Council. 



Frank Dalton, Norwick Union Fire. 

T. W. Essex, Lancaskire. 

T. W. Jamieson. Nortk Britisk A- Merc. 

Griffith J. Lloya. 

A. R. Winn, Yorkshire, 

Hon, Treasurer— Pl. J, Lewis, -S"** Fire^ lo, Bennett's Hill. 



G. K. Dixon, Alliance. 
J. J. Acason, National of Ireland, 
A. V. G. Pntchard, Grtskam, 
E. Neave, Guardiem. 



Hon. Secretary.— A. E. Patrick, Patriotic, 3, Waterloo Street. 
Meetings— last Friday in each Month at 7 p.m. 

The Insnrance Institute of Bristol. 

President-^. G. Moxey, Prudential. 

Vice-Presidents— Charles C. Savile, Royal; Albert D. Brookes, Alliance; Alf. A. Tavener, Northern; 

C. W. Porter, North Britisk ; Henry L. Riseley, Commercial Union; 

John Gray, Scottish Widows*; Wm. B. Heaton, London A* Lancashire Fire. 

Committee— J. Y. Crowe, National Provident; J. Mason Guttridge, Imperial; F. E. Preston. 

Edinbuirh Life; G. Gibbs, County Fire; H. W. Gary, Royal. 

Hon, Treasurei^-Yl, Evans, Nortk Britisk &» Mercantile 

Hon. Secretary — Wm. Pearce Tapp, Jun., Sun, 



Royal Statistical Society. 

Founded /SS4. 
9, ADELPHI TERRACE, STRAND, LONDON, W.C 
Honorary President— His Royal Highness The Prince of Wales, k.g. 
President— The Rt Hon. Sir Henry Hartley Fowler, g.c.s.i., m.p. 
Honorary Vice-Presidents (kaving filled the Office of President). 
The Right Hon. G. Shaw Lefevre, m.p. The Right Hon. G. J. Goschen, m.p., p.r.s. 

The Right Hon. Lord Brassey, k.c.b. *" ^ ^ ' * ** ' 

Sir Rol^rt Giflfen, k.c.b., ll.d., f.r.s. 
Sir Rawson W. Rawson, k.c.m.g., c.b. 

The Rt. Hon. Leonard 

Treasurer— ^chzxA Biddulph Martin, m.a., m.p. 

Hon, Secretaries— lliAyor P. G. Craigie ; Noel A. Humphreys ; Tervoise A. Baines, c.s.i. 

Hon, Foreign Secretary— Msijor P. G. Craigie. 

Assistant Secretary A* Editorof the /oumal— Benedict W. Ginsburg, M.A., L1..D. 

Cki^Clerk and Librarian — John A. P. Mackenzie. 

Bankers— viviaxs. Drummond & Co., Charing Cross, London, S.W. 



Alfred Edmund Bateman, cm.g. 
Charles Booth, d.sc, f.r.s. 
The Right Hon. Lord Farrer. 
H. Courtney, m.a., m.p. 



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LIST OF INSTITUTES, &c. 47 



Friendly Societies' Registry Ofllee. 

GDON STREET. WESTMINSTER.— Hours, t 



28, ABINGDON STREET. WESTMINSTER.— Hours, ten to five. 
Chief R€gistnir^^Aw9id W. Brabrook, F.S.A. I Chief CUrk—Gto. Brown. 
Assistant Registrar— Jamts Duncan S. Sim. | Actuarial Clerk— h. M. Leveaux. 



Public Yalners of Friendly Societies. 

(Appointed under " The Friendly Societies Act^ 1896" by the Lords of the Tretuury). 
Thomas G. Ackland, p.i.a., xo. Church Crescent, MusMrell Hill, N. 
George S. Crisford, f.i.a., Rock Life^ New Bridge Street, Blackfrian, London, E.C. 
George Lisle, 5, North St. David Street, Edinburgh. 
James Meikle, Scottish Provident. 6^ St. Andrew Square. Edinburgh. 
H. T. Nahmer, 48, Dame Street, Dublin. 

T. J. Searle, Mansion House Chambers. Bucklersbury, London, E.C. 
Thomas Young Strachan, p. la., x, Savoy Mansions, Savoy Street, London, E.C. 
Alfred W. Watson, f.i.a., 40, Shakespeare Street, Nottingham. 
Reuben Watson. 40, Shakespeare Street, Nottingham. 

The Life Offices' Associadon. 

[Established i8th March, 1880.] 

Object — The advancement of the business and the protection of the interests of Life Assurance, so far 
as can be sectued by consultation and combined acuon upon questions appertaining to the interests 
common to Life Assurance Companies. 

The Association is open to Companies having their Head Offices in Great Britain or Ireland, or 
in any of the Colonies or Dependencies tnereof, and makine returns under the Life Assurance Companies Acts^ 

Tbe Association has regular fixed dates for GenersJ and Committee Meetings throughout the year. 
The meetings of the Association are held at the offices of the London Salvage Corps, ii. Queen Street, E.C, 
but communications are to be addressed to the Honorary Secretary, 4 & 5, King William Street, E.C. 
Chesirman—E. H. Holt, La/w Life, Deputy-Chairman—T. £. Young, Commercial Union, 



T. W. Andras. 
W. P. Clirehugh. 
G. S. Crisford. 
J. R. Freeman. 



G. F. Hardy. 
C. D. Higham. 
E. H. Holt. 
G. R. Jellicoe. 



Committee. 



H. E. Nightingale. 
G. H. Ryan. 
L. M. Simon. 
J. Sorley. 



Honorary Secretary &* Treasurer—}. C. Wardrop. 



G. Todd. 
C. Wai 
. E. Young. 



I.e. Wardrop. 



ictnaries Authorised to Certify Annoity Tables. 

(Section 16 of " The Friendly Societies Act, 1896.") 
All the Public Valuers for the year 1899 as given in the above list, and in addition: — 
The Actuary to the National Debt Commissioners, Old Jewry, London. E.C. 
Thomas Abbott. Brentwood House, Sharow, Sheffield. 
F. Addiscott. F.I.A., 33, Chancery Lane, W.C. 
A. B, Adlard, F.I.A., 7, Northampton Park, London, N. 
M. N. Adlcr, M.A., F.I.A., Alliance, i, Bartholomew Lane, London, E.C. 
Hubert Ansell, F.I.A., London Scottish-American Trust, 5, Copthall Buildings. E.C. 
Hugh Blair. F.F.A., «, York Place, Edinburgh. 
Wilfred A. Bowser, 8, Union Court, Old Broad Street, E.C. 

F. T. Mason Byers. 

D. A. Bumsted, F.I.A., General Reversionary, 5, Whitehall, London, S.W. 

James Chatham, F.I.A., 19, Sl Andrew Square, Edinburgh. 

Henry R. Cockbum, F.I.A.. Scottish Provident Institution, 6, St. Andrew Square, Edinburgh. 

Griffith Davies, F.I.A., 27, Highbury Hill, N. 

David Deuchar, F.I.A., Caledonian, 19, George Street, Edinburgh. 

W. R. Dovey, F.F.A., Standard Life, King William Street, London, RC. 

iames Heron Duncan, F.I.A., Royal Exchange, London, E.C. 
ohn Duncan, Y .\.P^, Clergy Pensions' Institution, Axnn^^X House, Temple Station, London, W.C. 
r. B. Gunn, F.I.A., Scottish Amicable, 35, St. Vincent Place, Glasgow. 
W. J. Hancock, Patriotic, Dublin. 

G. F. Hardy, F.I.A., Enkish and Scottish, 12, Waterloo Place, S.W. 
R. P. Hardy, F.I.A., 7, Gracechurch Street, London, E.C. 
Archibald liewat, F.I.A., Edinburgh. 22, George Street, Edinburgh. 

C. D. Higham, F.I.A., London Lin Association, 81, King William Street, London, E.C. 

S. Hudson, 10, Belgrave Avenue, Leicester. 

£. Justican, F.I.A., Gresham, St. Mildred's House, Poultry, London, E.C. 

George King, F.I.A., F.F.A., London Assurance Corporation, 7, Royal Exchange, E.C. 

William King, Law Reversionary. 21, Lincoln's Inn Fields, London, W.C. 

J. J. M'Laudilan, F.F.A., 26, St. Andrew Square, Edmburgh. 

H. W. Manly, F.I.A., Equitable, Mansion House Street, E.C. 

F. G. P. Neison. F.I.A., 19, Abingdon Street, Westminster, London, S.W. 
P. L. Newman, F.I.A., Yorkshire, York. 

W. L. Newman, 29, St. Paul's Square, York. 

H. E. Nightingale, Royal Exchange, London, KC. 

Peter Ronaldson, F.F.A., 10, St. Andrew Square, Edinburgh. 

G. H. Ryan, F.I.A., British Empire Mutual, 4 & 5. King WUliam Street, E.C. 
F. Schooling, F.I.A,, Prudential, Holbom Bars, E.C. 

Richard Sewell, Sun Life, 68, Threadneedle Street, E.C. 

Howard S. Smith, F.F.A., Bank Chambers, 14, Waterloo Street, Birmingham. 

W. F. Somerville, F.I.A., Liverpool and London and Globe, i. Dale Street, LiverpooL 

R, Stirling, 126, Chancery Lane, W.C. _ „ , . ^ ^ 

Frank Arthur Straker, Legal and General, 10, Fleet Street, London, E.C. 

A. Wyndham Tarn, Westminster and General, 28, King Street, Covent Garden. 

W. H. Tyndall, F.I.A., MorUnds, Oxford Road, RedhiU. 

Thomas Wallace, F.F.A., NoHh British &» Mercantile, 64, Pnnces Street, Edubozsh.^ 

W. G. Walton, F.F.A., Scottish Provident, 6, St. Andrew Square, Edinburgh. ^ 

W. J. H. Whhtall, F.I.A., 15. St. James* Square, London, S.W. , 

F. B. Wyatt, CUrgy Mutual Assur, Soe., a & 3, The Sanctuary, Westmmster, London, S. W. 



48 



INSURANCE REGISTER. 



Stations : 



London (Fin) SalTUge Corps. 

HKiUH2UARTBSS-63 & 64. WATLING STREET, E.C. 
Ckuf Offic€i^-Cx^xai Fox. 

64, Watling-street, B.C J. Blyth, SuptrintendtnL 

38 & 40, Commerdal-rofld, s. W. Adams, „ 

X59 & x6x, Southwark Bridge-road, S.B. C. Bridges, „ 

138, 130 & X33, Shaftesbury Avenue, w. H. Ordway, „ 

90, 91 & 9a, Upper-street, Islington, n. W. Allen „ 



E. Baumer, Sun. 
G. S. Crisford, Rock. 
G. F. Hardy, Universal 

E. Justican, Gresham. 

F. B. Macdonald. Phcenix, 
W. C. Macdonald, Pfuenix, 
E. H. Mannering, Sun, 



Insurance Chess Clnb. 

Prtiidtnt—G, H. Ryan, British Empire Life. 
Vice-PresitUnts. 

G. C. Morant, Commercial Unum. 
G. McKay Morant, North German. 
C H. E. Rea, Peari. 
A. J. ReltOD, Guardian. 
C. Schreiner, Munickm 
G. Todd, Economic Life. 
E. H. Smithett, Commercial Union. 
T. E. Wirgman, Magdeburg. 

Committee. 



Chairman — E. Burford Morrison, Sun. 



W. A. F. Boulger, Prudential. 
W. j. Hodges, Lloyds. 
G. C. Houghton, Royal. 
R. Human, Guardian. 



W. J. Jones, Hand-in-Hand. 
P. Leese, Commercial Union. 
C. M. Roberts, Sun. 
C. Robinson, Magdeburg. 



S. G. C Russell, Phanix. 

Honorary Treasurer— G. C. Morant, Commercial Union. 

Auditors— K. Masters, Commercial Union; L. A. Ryan, Scottish Widows*. 

Honorary Swretary — G. S. Vinen, Guardian. 

Club Room-T^^ CABIN, 6, OLD JEWRY, E.C 

Meetings — On Mondays and Thursdays from 4.30 p.m. 

Season extends from early October to end of April (intimated by circular and in the Insurance papers). 



Board of Trade. 

WHITEHALL GARDENS, S.W. 

President— Thit Right Hon. Charles T. Ritchie, m.p. 

Private Sec. — Gamham Roper. 

Parlieunentary Sec—Thit Earl of Dudley. 

Private Sec— J. G. Willis. 

Perpnanent Sec.—S\x Courtenay Boyle, k.cb. Private Sec.— J. M. NicoUe. 

Solicitor^— Sir Walter Murton, CB. Chief Law Clerk— F. H. de Hamel. 

Consulting Actuary— Yf\X\xam Sutton, m.a., p.i.a. 



Other Institutes. 

COLONIAL. 

Insurance Institute of Victoria— 60, Collins Street West, Melbourne (Hon. Secretary, W. H. Giddy, 

London and Lancashire Fire). 
Insurance Institute of New South Wales— 3, Spring Gardens, Sydney, N.S.W. (Hon. Secretary 

and Treasurer, R. B. Treacy, Imperial^. 

INDIAN. 
Calcutta Fire Insurance Agents* Association— Clivc Row, (iilcutto (Secretary, G. L. Barton). 

AMERICAN. 
Chicago Insurance Institute— (Secretary, Fredk. W. Jones, Phoenix Fire Office). , 

Digitized by VjOOQ IC 



49 



REVENUE ACCOUNT 

AND 

ABSTRACT OF NEW LIFE INSURANCE BUSINESS. 



EXPLANATORY REMARKS. 

I. Revenue Account. — The following pages contain a sununary of the 
Income and Outgo of the various Life Associations doing business in this 
country, compiled from the most recent reports. Dealing, in the first instance, 
with the Income, it may be well to take first the figures ranged under item ii, 
" Amount of Funds at beginning of year," and then, having found the " Total 
Income " for the year (item lo), to add these two sums together, and they will 
be found equal to the two items 24 and 25 — "Total Outgo" and "Amount of 
Funds at end of year." It will thus be perceived that each column forms in 
itself a miniature Balance Sheet. For example, if the column relating to the 
Life Funds, 1898, of the Alliance Company be taken, it will be seen that the 
funds at year's commencement were ;£2,946,s83 ; if to that amount be added 
the gross income, ;£462,o57, the sum of both will be ;£3,4o 8,640; and if in a 
similar way the "Funds at end of year" be added to the "Total Outgo," the 
sum of items 10 and 11 will be found equal to 24 and 25. 

The items forming the Income and the Outgo are, for the most part, self- 
explanatory, but in reference to a few it may be well to remark as follows : — 
Item No. 7 (Income), "Profit on Investments." — This item relates solely to 
certain profit made, during the financial year, in the re-valuation, purchase or 
sale of Investments, the falling in of Reversions, or other sources of profit. 
The figures are wholly distinct from those relating to the surplus or profit 
declared at stated periods as the result of actuarial investigation. In the Outgo, 
it will be observed, that while item 13, "Endowments matured," forms, in 
numerous cases, an item distinct from No. 12, "Death Claims and Reversionary 
Bonus," it is not to be inferred that the Offices where the item is not separately 
specified do not transact Endowment Insurance. With hardly an exception, 
every Office does so, and the business of Endowment Insurance is largely on 
the increase. Item No. 21. — In the case of those Companies which combine 
Fire with Life business, the figures which pertain to Dividends and Bonus to 
Shareholders will usually be found stated in the Fire Insurance Abstract. 

II. Abstract of New Life Insurance Business.— In relation to the 
items 26 to 32 inclusive, it will be observed that many Life Offices report the 
gross amount of new business, and also the extent to which those risks have 
been reduced by re-insurance; others report simply the gross amount; while, in 
a few instances — where for the most part there are no re-insurances — the net 
amount of new business is stated. The average amount of new policy is in 
every case taken from the gross figures when these are stated. 

£ 

Digitized by VjOOQ IC 



so 


REVENUE ACCOUNT. Abstract of 


New Life Business. 


X 


Title j 

Date of Establishment 

Date to which Returns are made 
"P 


Absolute. 


Abstainers and 
General. 


Alliance. 


Atlas. 


2 


1894. 


1883. 


1824. 


1808. 


3 


31 pec., 
1897. 


31 Dec, 1898. 


1898. 


31 I>€C, 
1898. 






{Ordinary [/mdusirial 








INCOME. 




ZMf4witH r.j Dtporttn ».J 






4 


Premiums, less Re-insurance 


3»659 


24.194 11,059 


322,944 


146,26s 


5 


Consideration for Annuities 








27,358 




6 


Int. & Dividends (/^jj Income Tax) 


787 


3,350 


650 


111,622 


58,891 


7 


Profit on Investments 


.. 




. . 


.. 


.. 


8 


Fines, Fees, &c 


4 


.. 




133 


62 


9 


Other Receipts 

Total Ineome 

Amt. of Funds at beginning of year 
OUTGO. 


3,354 


.. 




.. 


.. 


zo 


7.804 


27,544 ".709 


4^2,057 


2OS218 


zz 


26,895 


_ 93,382 15,919 


2,946,583 


1,584.195 






109,301 








Z2 


Death Claims & Reversion. Bonus ( 
Endowments matured ... I 


436 


4,192 


2,385 


222,638 


130,539 


13 




712 


147 


.. 


.. 


14 


Surrenders 


• . 


959 


318 


12,650 


7,646 


IS 


Cash Bonus 


. * 


.. 




1,292 


2,849 


z6 


Reduction of Premium 


.. 


.. 




.. 


8,762 


17 


Annuities 

Paid to Polioyholderi 


.. 






14,407 


2,120 


z8 


436 


5,863 


2,850 


250,987 


151,916 


19 


Commission 


854 


2,213 


2,721 


22,374 


. 7,330 


20 


Expenses of Management 


3,822 


3,899 


3,577 


9,912 


15,043 


2Z 


Dividends, &c., to Shareholders... 


1,126 


.. 


.. 


•• 


4,053 


22 


Loss or Depreciation 


46 


.. 


.. 


8 




23 


Other Payments 

Total Outgo 
Amount of Funds at end of year... 

Abstract of New Life Business. 


.. 




.. 


•• 


•• 


24 


6,284 


",975 


9,X48 


283,281 


178,342 


25 


28,415 


108,951 I 


8,480 


3,125,359 


1,611,071 






127,431 








26 


Number of Policies 




865 




1,672 


570 


27 


Amount thereby Insured 


41,800 


111,835 




1,205,715 


338,179 


28 


New Premiums — Single ... * ( 
Do. Annual... ♦( 








• • 


.. 


29 


.. 


4,573 




•• 


12,147 


30 


Amount Insured, Uss Re-insurance 


«• 


•• 




f,057,2i5 


309,179 


31 


New Premiums — Single — Do, * ( 
Do. Annual — Do, * I 


.. 


•• 




•• 


2.665 


32 


•• 


•• 




42,325 


11,430 


33 


Average amount of New Policy ... 


• • 


129 




721 


593 


34 


No. & Amount of Life Pols, in force | 
& Bonus Addns,, less J?e-insur. ) 


•• 


•• 






•"• 



Abstract of Ne7v Life Business. — *New Premiums, Single and Annual. A record is introduced of those Life 
Offices which specify in the annual report the amount respectively of Single and of Annual Premiums ; but where 
no specification is made, and the item relating to Annual Premiums is alone inserted, it is not to be inferred that 
there have been no Single Payments ; it is simply that no record is furnished to that effect. 



REVENUE ACCOUNT 


. Abstract of 


New Life Business. 


51 


British 


British 


British 


British 


British 


Caledonian. 


City of 


Clergy 


z 


Empire 


Equitable. 


L<^. 


Life. 


Workman's 




Ghisgow. 


Mutual. 




Mutual. 








&GeneraL 










1847. 


1854. 


1863. 


1895. 


1866. 


1833. 


1838. 


1829. 


2 


31 Dec., 
1898. 


31 Jan., 
1899. 


^a^ 


31 Dec, 
1897. 


30 April, 
1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 


31 May, 
1899. 


3 


271,581 


135,893 


99,473 


2,615 


555.168 


186,151 


225,430 


249,957 


4 


58,998 


.. 






• • 


34,237 


18,113 


4,047 


5 


101,820 


64,945 


5,430 


739 


11,799 


56,228 


86,849 


151,575 


6 


•• 


108,388 


943 


.. 




1,281 


43,079 


1,266 


7 


129 


167 


5 


• • 

25,000 


651 


130 


"3 


338 


8 
9 


432,528 


309,393 


X0S8SX 


38,354 


S67,6i8 


278,027 


373.584 


407,183 


zo 


2»67i,4i3 


1,585,926 


163,484 




281,563 


1,548,972 


2,380,803 


4,014,240 


zz 


160,100 


92,894 


35,342 


S14 


183.084 


119,530 


180,331 


204,074^ 
1,250) 


Z2 


22,204 


37,973 


.. 




31.4W 


3,407 


4,135 


13 


18,603 


5,336 


.. 


. . 


17,537 


13,771 


6,083 


15,356 


14 


852 


.. 


• • 








422 


715 


«s 


1,937 




.. 


. • 


. . 


,• • 




52,210 


z6 


12,574 


5 


.. 




24 


15,607 


16,447 


2,791 


17 


216,270 


136,208 


35,342 


514 


232,057 


152,315 


207,418 


276,397 


18 


14,904 


9,758 


21,950 


1,076 


125,257 


10,567 


18,814 




19 


31,102 


27,300 


29,045 


902 


124,578 


18,274 


23,290 


16,314 


20 


•• 


3,263 


328 








10,800 




2Z 


"5,326* 


185 




•• 


3,955 


478 


2,076 


:: 


22 

23 


377,602 


176,714 


86,665 


2,492 


48S847 


181,634 


262,398 


292,711 


24 


2.726,339 


1,718,605 


182,670 


25,862 


363,334 


1,645,364 


2,491,989 


4,128,712 


25 










Ordinary, 










976 


1,618 


193,749 


1,353 


3,104 


1,290 


1,121 


410 


26 


687,770 


300,488 


1,367,018 


215,499 


259,870 


642,991 


543,427 


259,705 


27 


•• 


.. 






14,817 


2,372 


7,444 


8,467/ 


28 


28,213 


9,578 


61,938 






20,676 


19,107 


29 


599,735 


•• 


•• 


•• 


Industrial 
tfo, 364,583 


540,491 


460,927 
7,444 


•• } 


30 

31 


26,020 


.. 




2,615 


iv««2i3,243 


18,911 


18,281 


.. 1 


32 


705 


186 


7 


159 


84 


498 


485 


633 


33 




•• 




•• 




•• 


•• 


•• 


34 



British Empire Mutual.—* Adjustment to bring Rupee Fund to a sterling l^gsj^QQ [^ 



52 


REVENUE ACCOUNT. Abstract of New Life Business. 


1 


Title 

Date of Establishment 

Date to which Returns are made 
up 

INCOME. 


Clerical, 

Medical 

& General. 


Colonial 
MutuaL 


Commercial Union. 


Co- 
operative. 


2 


1824. 


1873. 


1861. 


i886.» 


3 


^.fi?'' 


31 Dec., 
1898. 


31 December, 1898. 


31 Dec, 
1898. 








iCommsrcial 


^S'«- 




4 


Premiums, less Re-insurance 


288,325 


320,496 


210,524 


45.691 


3,531 


5 


Consideration for Annuities 


.. 


2,272 


12,511 


.• 




6 


Int. & Dividends {less Income Tax) 


128,263 


90,130 


83,274 


30,432 


633 


7 


Profit on Investments 


588 


• • 


•• 


• • 


.• 


8 


Fines, Fees, &c 


459 


• • 


174 


79 


• • 


9 


Other Receipts 

Total Ineoaie 
Amt. of Funds at beginning of year 

OUTGO. 




.. 


•• 


•• 


-. 


10 


4i7»635 


4x2,898 


306,483 


76,202 


4*164 


ZI 


3,389,537 


2,153.342 


2,029,879 


777,709 


17,996 














12 


Death Claims & Reversion. Bonus J 
Endowments matured ... ( 


176,977 


135,562 


129,132 


72,231 


810 


X3 


1,400 


50,577 


7,656 


877 


•• 


14 


Surrenders .>. 


31,603 


31,288 


11,217 


1,226 


44 


IS 


Cash Bonus 


5,981 


1,627 


42,591 


1,602 


•• 


z6 


Reduction of Premium 


13,086 


•• 


517 




• ■ 


17 


Annuities 

Paid to PoUeyholders 


1,350 


1,019 


2,928 


71 


•• 


i8 


230,397 


220,073 


194,041 


76,007 


854 


X9 


Commission 


12,781 


18,876 


9,561 


1,939 


191 


20 


Expenses of Management 


23,090 


60,516 


l8,II2» 


4,088 


250 


21 


Dividends, &c., to Shareholders... 


7,500 


.. 


55,695 


•• 


•• 


22 


Loss or Depreciation 




5,"9 


104 


505 


•• 


23 


Other Payments 

Total Outgo 

Amount of Funds at end of year... 
Abstract of New Life Business 




• • 


• • 


•• 


•• 


24 


273,768 


304,584 


277,513 


82,539 


1.295 


25 


3,533,40s 


2,261,656 


2,058,849 


771,372 


20,865 














26 


Number of Policies 


824 


3,017 


810 


.. 


90 


27 


Amount thereby Insured 


657,408 


874,681 


665,085 


, , 


8,561 


28 


New Premiums — Single ... ( 
Do. Annual... ( 


, , 


.. 


, , 


, , 


, . 


29 


24,111 


28,793 


28,580 




400 


30 


Amount Insured, less Re-insurance 


613,408 


• • 


. . 






31 


New Premiums — Single — Do, ( 
Do. Annual— Do. \ 


, , 


, , 


, . 


. • 




32 


22,324 


.. 


.. 




.. 


33 


Average amount of New Policy ... 


798 


290 


821 


•• 


95 


34 


No. & Amount of Life Pols, in force 
& Bonus Addns., less Re-insur, 


•• 


•• 


•• 


•• 





Commem'al 27m/m.—* Valuation Expenses Includ^.^y LjOOQIC 



REVENUE ACCOUNT 


Abstract of New Life Business. 


53 


Eagle. 


Economic. 


Edinburgh. 


English and Scottish 
Law. 


Equitable. 


Equity 
and Law. 


Friends* 
Provident 


I 


1807. 


1823. 


1823. 


1839. 


1762. 


1844. 


1832. 


a 


3ipec., 
1898. 


31 Dec., 
1898. 


31 Dec, 
' 1898. 


31 December, 1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 


20 Nov., 
1898. 


3 








[AssuroHCt 


'^:^? 
















Fund,] 










168,919 


233.708 


278,958 


208,248 




193,625 


315,623 


176,508 


4 


164,656 


126,045 


45.985 


,. 


33,252 


23,894 


10,991 


29,727 


5 


98,3" 


149,295 
88,897 


122,515 


70,641 


12,745 


150,895 


101,367 
24,572 


101,972 


6 
7 


• • 


410 


125 


104 




122 


199 


•• 


8 
9 


431,886 


598,355 


447,583 


278,993 


4S997 


368,536 


452,752 


308,207 


10 


2,594,867 


3,783,278 


3,280,146 


^,915,827 


349,942 


4,402,281 


3,206,606 


2,646,391 


IZ 








2,26, 


5,770 










271,224 


318,226 


206,697 


162,172 




239,887 


152,993 


132,207 1 
5,032/ 


12 


7,433 


790 


• • 


8,797 








13 


16,433 


9,386 


34,272 


",037 




7.667 


9,309 


7,189 


M 


5,270 


190 


•• 


519 




697 


1,507 


88,694 


15 


4,523 


• • 


313 






6,260 




16 


30,549 


20,722 


37,937 


•• 


36,893 


3.0S« 


11,101 


26,628 


17 


330,909 


353,837 


278,906 


182,838 


36,893 


251.302 


181,170 


259,750 


x8 


10,059 


9,350 


10,819 


13,169 


273 


, , 


15,102 


6,317 


19 


21,582 


21,376 


25,988 


22,350 


1,883 


13.079 


16,258 


10,818 


20 


8,536 


138 


9,500 


7,296 
• • 


1,704 
3,285 


•• 


10,500 


•• 


21 
22 
23 


371,086 


384,701 


325,213 


22S6S3 


44,038 


264,381 


223,030 


276,88s 


24 


2,655,667 


3,996,933 


3,402,516 


1.969,167 


351,901 


4,506,436 


3,436,328 


2,677,713 


25 








2,321,068 










275 


717 


1,170 


819 




450 


637 


363 


26 


437,940 


5",79i 


513,454 


667,648 




400,410 


639,688 




27 


2,700 


4,239 


.. 


6,495 




.. 


19,412 


:: } 


28 


12,982 


15,662 


.. 


21,521 




.. 


24.204 


29 


397,170 


488,466 


474,592 


575,248 




395,910 


544,456 


219,532 


30 


.. 


.. 


9,449 


.. 




12,039 


17,873 


5,249) 
7,317/ 


31 


14,532 


14,681 


17,135 






10,565 


20,605 


32 


1,592 


714 


439 


81S 




890 


1,004 


605 


33 


•• 


.. 


6,821,836 




■•• 


•• 


•• 


34 



Digitized by LjOOQ IC 



54 


REVENUE ACCOUNT. Abstract 


OF 


New Life Business. 


I 


TiUc 

Date of Establishment 

Date to which Returns are made 
«P 

INCOME. 


General. 


Gresham. 


Guardian. 


Hand-in- 
Hand. 


a 


1837. 


1848. 


1821. 


1836. 


3 


1898. 


31 December, 1898. 


1898. 


31 I>ec, 
1898. 






[Li/t Inmr, 


i.l:;s?5 






4 


Premiums, less Re-insurance 


198,751 


968,362 


. . 


210,565 


186,681 


5 


Consideration for Annuities 


S.833 


^ 


146,027 


18,695 


58,704 


6 


Int & Dividends (Uss Income Tax) 


59.833 


212,409 


57.188 


112,396 


44,778 


7 


Profit on Investments 


3»930 


• • 


.. 


4,385 


6,431 


8 


Fines, Fees, &c. 


40 


3« 


.. 


98 


66 


9 


Other Receipts 

Total Ineome 
Amt. of Funds at beginning of year 

OUTGO. 


• • 


• • 


• • 


. . 


138,630 


10 


368.387 


1,180,809 


303.215 


346,139 


435.290 


ZI 


1,620,319 


^,096,334 


1,417,498 


2,956,239 


1,192,319 






6.s«: 


1,732 






za 


Death Claims & Reversion. Bomis j 
Endowments matured ... I 


"5,779 


569.743 




285,285 


176,079 


13 


10,359 






.. 


.. 


. . 


M 


Surrenders 


11.385 


53,689 






6,892 


4,165 


IS 


Cash Bonus 


1,353 


.. 




.. 


1,219 




z6 


Reduction of Premium 


3,144 


.. 






1,052 


76,985 


17 


Annuities 

Paid to PoUeyholders 


11,090 


-. 


167,387 


19,534 


20,159 


z8 


163,110 


623,432 


167,387 


313,982 


277,388 


19 


Commission 


16,675 


89,057 


3,160 


9,600 


5,588 


ao 


Expenses of Management 


21,689 


"7,143 


8,258 


19,797 


17,392 


az 


Dividends, &c, to Shareholders... 


19,436 


1,119 








aa 


Loss or Depreciation 


90 


2,767 




. . 


3,887 


23 


Other Payments 

Total Outgo 
Amount of Funds at end of year... 

Abstract of New Life Business 


• • 


•• 


.. 


.. 


• - 


24 


221,000 


833,518 


178,805 


343,379 


304.255 


25 


1,667,706 


M43,525 
6,88< 


1,441,908 


2,958,999 


1,323,354 






,433 






a6 


Number of Policies 




6,612 




701 


560 


27 


Amount thereby Insured 


469,900 


2,443,226 






408,115 


.. 


as 


New Premiums—Smgle ... f 
Do. Annual... ( 


2,913 








2,682 




29 


18,383 


111,663 






14,673 


.. 


30 


Amount Insured, less Re-insurance 










399,715 


370,515 


31 


New Premiums— Single— Do, ( 
Do. Annual — Do, I 


• • 


.. 






.. 


.. 


32 


.. 








• * 


13,273 


33 


Average amount of New Policy ... 


•• 


370 






582 


662 


34 


N 0. & Amount of Life Pols, in force \ 
& Bonus Addns., less Re-insur, f 


•• 


•• 






•• 





Digitized by V^jOOQ IC 



REVENUE ACCOUNT. Abstract of New Life Business. 55 



Imperial. 


Lancashire. 


Law Life. 


Law Union 
and Crown. 


L^aland 
General 


Life Assoc. 
ofScotland. 


London 
and 


X 


182a 


1852. 


1823. 

31 Dec, 
1898. 


1825. 


1836. 


1838. 

5 April. 
1899. 


1862. 


2 


31 Jan., 
1899. 


31 Dec, 
1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 


1898. 


3 


227,684 


99,017 


262,049 


322,234 


283,368 


399,000 


240,917 


4 


10,509 


2,753 


94,995 


39,950 


34,768 


43,696 




5 


88,278 


37,785 


177,402 


146,729 


114,047 


178,090 


48^8 


6 


1,814 


.. 


26,556 




15,551 


.. 


.. 


7 


328 


• . 


92 


333 


4 


484 


65 


8 


1,395 


•• 


•• 


• • 


•• 


• • 


.• 


9 


330,008 


139,555 


561,094 


509,246 


447,738 


621,270 


289,4x0 


10 


2,272,723 


1,045,646 
73,750 


4.918,289 
409,825 


3,551,337 
254,984 


3,345,151 


4,893,831 


1,238,850 

"1,294) 
25,932/ 


XX 


205,793 


271,723 


316,809 


X2 


3,997 


.. 


1,000 






20,878 


13 


16,726 


3,869 


6,327 


21,534 


14,151 


12,476 


14,075 


X4 


3,31s 


13,487 


797 
4,258 


•• 


6,307 


13,389 


6,718 


X5 
x6 


6,587 


679 


13,834 


25,441 


43,285 


45,840 


•• 


17 


236,418 


91,785 


436,041 


301,959 


335,466 


409,392 


158,019 


x8 


10,790 


4,840 


13,178 


15,006 


15,685 


13,944 


23,441 


19 


22,990 


10,490 


16,896 


27,910 


17,919 


43,208 


36,852 


20 


.. 




45,004 


.. 


14,500 


12,909 


3,500 


2X 


29 


.. 










.. 


22 


• • 




.. 


2,506 
347,381 


383,570 


.. 


221,8X2 


23 


270,227 


107,115 


5", "9 


479,453 


24 


2,332,504 


1,078,086 


4,968,264 


3,713,202 


3,409,319 


5.035,648 


1,306,448 


25 


1,030 


591 


446 


1,449 


705 


1,314 


2,732 


26 


512,531 


243,164 


657,944 


897,756 


1,590,172 


1,026,153 


893,676 


27 


5,533 




11,629 


2,836 




60,560 


35,048) 


28 


16,901 


10,077 


18,850 


29,863 


61,249 


25,176 


29 


492,331 


.. 


524,269 


820,456 


1,108,272 


712.253 


• • 


30 


5,533 




10,469 


2,836 




6,826 


:: 


31 


16,354 


.. 


14,309 


26,282 


46,991 


22,892 


32 


498 


411 


1,475 


620 


2,256 


781 


316 


33 


•• 


•• 


•• 


•• 


•• 


34 



Digitized by 



L^oogle 



56 


REVENUE ACCOUNT. Abstract 


OF 


New Life Business. 


I 


Tide 


Liverpool and London and Globe. 


London 
Life Asso- 




Date of Establishment 

Date to which Returns are made \ 
up / 

INCOME. 






ciation. 


2 


1836. 


1806. 


1806. 


3 


31 December, 1898. 


1898. 




\LiftReventu 
Account,] 


[AMHUitjf 

Rtveniu 
Acanmt] 


[GMtLi/t 
Revenue 
Account] 


[Glo^Ann'ty 
Revenue 
Account.] 






Premiums, less Re-insurance 


235,673 




5,611 




355,291 




Consideration for Annuities 




184,283 




.. 






Int & Dividends {Uss Income Tax) 


135,592 


55,521 


6,544 


88 


166,876 




Profit on Investments 


.. 


• . 


.. 


.. 


2,073 




Fines, Fees, &c 


159 


.. 


4 


• . 


.. 




Other Receipts 

Total Ineome 

Amt of Funds at beginning of year 
OUTGO. 


•. 


1,503 


•• 


2.457 


.. 


10 


371,434 


341,307 


I3.IS9 


3,545 


534*240 


XX 


^534,716 
5,002 


1,468,207 


184,544 


2,778_ 
332 


4,508,100 




5,923 


187, 




X2 


Death Claims & Reversion. Bonus J 
Endowments matured ... I 


268,663 




25,241 




263,365 


X3 


• • 




.. 




52 


M 


Surrenders 


12,699 




1,099 




7,291 


IS 


Cash Bonus 






• . 




•• 


x6 


Reduction of Premium 






.. 




207,009 


X7 


Annuities 

Paid to PoUeyholders 




166,736 


.. 


840 


•• 


x8 


281,362 


166,736 


26,340 


840 


477,717 


19 


Commission 


8,818 


1,843 


131 


.. 


.. 


ao 


Expenses of Management 


14,749 


4,826 


430 


33 


15,997 


21 


Dividends, &c., to Shareholders... 


86,903 


•• 


•• 


•• 


•• 


22 


Loss or Depreciation 


.. 


•. 


•• 


•• 


•• 


33 


Other Payments 

Total Outgo 

Amount of Funds at end of year.. . 
Abstract of New Life Business 


1,502 


.. 


2,457 


•• 


•• 


24 


393,334 


173,405 


29,358 


873 


493,714 


25 


^512,806 
5,04« 


1,536,109 


167,345 
171, 


4,450 


4,538,626 




^915 


795 




26 


Number of Policies 


729 


^ 


.. 




257 


37 


Amount thereby Insured 


485,448 










390,700 


28 


New Premiums — Single ... ( 
Do. Annual... I 


..■ 










1,363 


39 


20,163 










16,100 


30 


Amount Insured, less Re-insurance 


415,948 










366,700 


3Z 


New Premiums — Single — Do. ( 
Do. Annual — Do. I 


.. 












33 


17,074 










•• 


33 


Average amount of New Policy ... 


666 










1,520 


34 


No.& Amount ofLife Pols, in force ) 
& Bonus Addns. , Uss Reinsur. \ 
















" 




'• 







Digitized by VjOOQ IC 



REVENUE 


ACCOUNT. 


Abstract of 


New Life 


Business. 


57 


London & Manchester 
Industrial 


London 
Assurance 
Corporat'n. 


London, Edinburgh 
and Glasgow. 


Marine and 
General 
Mutual. 


Methodist & 

Geneiml 

(Saivatioo 

AnnyX 


Metropo- 
litan. 


I 


1869. 


1720. 


.a 


5i. 

ber, 1 




1852. 


1867. 


1835. 


2 


25 March, 1899. 


31 Dec, 
1898. 


31 Decern 


898. 


31 Dec., 
1898. 


31 Dec, 

1898. 


31 Dec, 
1898. 


3 


Insurance 
Account.] 

94.103 


[Sichuss &» 

MtdicalAid 

Accotmt.] 

40,629 


156,088 


[Fortieth 

ting 
Account.] 

35.834 


[Non-/arti' 
Jii^^.] 
283,950 


94,667 


59,687 


163,124 


4 


900 




• • 


• • 


.. 


794 


9,405 


•• 


5 


4,890 


207 


83,226 


2,750 


2,845 


36,467 


1,189 


77,799 


6 


. . 




313 


• • 


• • 


.. 


• . 


• • 


7 


242 


.. 


• • 


21 


37 


71 


• • 


•• 


8 




.. 


54 


.. 


912 


•• 


•• 


• • 


9 


zoo,z35 


40,836 


?39,68i 


38,60s 


287,744 


131,999 


70,281 


240,923 


10 


141,906 


7.281 


2,105,220 


_ 83,749 


81,942^ 


886,208 


28,254 


2,036,938 


IX 


149 


,187 




165 


,691 










33,828 


24,057 


141,610 


10,424 


103,767 


46,460 


11,691 


133,929 


12 


, , 




-• 


1,176 


7,172 


1,912 


.. 


2,500 


13 


228 




12,225 


335 


326 


3,786 


13 


4,760 


14 


•• 




145 

5,863 


2 


•• 


242 
437 


• • 


68,361 


X5 
16 


91 




2,794 


• • 


2,550 


4,683 


2,543 


•• 


17 


34,147 


24,057 


162,637 


11,937 


113,815 


57,520 


14,247 


209,550 


x8 


19,010 


7,076 


6,422 


4,546 


53.798 


5,329 


9,428 


Nil 


19 


25,341 


9,393 


12,453 


2,631 


79,954 


13,319 


37,404 


12,803 


20 


499 


.. 


15,909 


.. 






.. 


.. 


21 


87 




.. 


• • 




.. 


• • 


.. 


22 




.. 


.. 


1,595 


12,228 


200 


• • 


.. 


23 


79,084 


40,526 


197,421 


20,709 


259,795 


76,368 


61,079 


222,353 


24 


^162,957 


7,591 


2,147,480 


101,645 


109,891 


941,839 


37,456 


2,055,508 


25 


170,548 

1 




21] 


,536 










175,649 


, , 


480 


1,553 




917 




191 


26 








341,695 


.. 












.. 


27 








.. 


.. 






.. 






• • 


28 


. . 






12,660 


• • 






.. 




.. 


29 


. . 






316,895 


156,955 






282,756 






173,950 


30 


• • 






.. 


249 






606 




:} 


1,361 


31 








11,852 


8,088 






10,134 




5,310 


32 


• • 




-• 


712 


•• 






308 






911 


33 


•• 




• 


• • 


•• 






•• 






1 


34 



Digitized by VjOOQ IC 



58 REVENUE ACCOUNT. Abstract of New Life Business. 



X 


Title 1 

Date of Esteblishment 

Date to which Returns are made 1 
«P J 

INCOME. 


Mutual of 
Australasia. 


National 
Mutual. 


National 
Mutual of 
Australasia. 


National 

of 
Ireland. 


National 
Provident. 


2 


1869. 


1830. 


1869. 


1822. 


1835. 


3 


1898. 


31 Dec, 
1898. 


^•iS.'' 


31 Dec, 
1898. 


20 Nov., 
1898. 














4 


Premiums, less Re-insurance 


153, 168 


186,382 


341,619 


18,582 


421,131 


5 


Consideration for Annuities 


4,950 


10,308 


5,798 


801 


13,500 


6 


Int & Dividends {less Income Tax) 


58,073 


91,604 


132,155 


8,873 


198,136 


7 


Profit on Investments 


.« 


17,220 


.. 


978 




8 


Fines, Fees, &c 


6 


350 


93 


6 


313 


9 


Other Receipts 

Total Ineome 

Amt. of Funds at beginning of year 
OUTGO. 




.. 


.. 


.. 


.. 


10 


216,197 


305,864 


479^^5 


29*240 


^33,080 


IX 


1,190,193 


2,547,371 


2,7oj,7oi 


256,318 


5,233,418 














12 


Death Claims & Reversion. Bonus f 
Endowments matured ... 


44,959 


188,239 


177,780 


20,849 


358,564 


13 


29,604 




.. 


977 


.. 


14 


Surrenders 


20,750 


9,571 


60,103 


905 


16,319 


IS 


Cash Bonus 


3,178 


17,318 


1,431 


.. 


92,459 


x6 


Reduction of Premium 






• • 


•• 


70,725 


17 


Annuities 

Paid to PoUeyholders 


1,597 


10,923 


1,133 


7,200 


5,007 


x8 


100,088 


226,051 


240,447 


29,931 


543,074 


19 


Commission 


10,287 


5,565 


13,263 


1,136 


15,173 


20 


Expenses of Management 


32,215 


21,191 


73,135 


1,365 


34,667 


21 


Dividends, &c, to Shareholders... 






.. 


.. 




22 


Loss or Depreciation 


6,196 


.. 


.. 




.. 


33 


Other Payments 

Total Outgo 
Amount of Funds at end of year... 

Abstract of New Life Business 


.. 




90,950 


268 


7,000 


24 


148,786 


252,807 


417,795 


32,700 


599,9x4 


25 


1,257,604 


2,600,428 


2,765,571 


252,858 


5,266,584 














26 


Number of Policies 


1,986 


504 


4,822 




1,590 


27 


Amount thereby Insured 






1,206,814 


.. 


571,700 


28 


New Premiums — Single ... 
Do. Annual... 




• • 


7,951 


.. 




29 




.. 


38,770 


.. 


24.167 


30 


Amount Insured, less Re^insurance 


566,422 


240,030 




.. 


559,200 


3X 


New Premiums — Single — Do, 
Do. Annual— Do, 




1,167 








32 


20,907 


7,865 


.. 




23,578 


33 


Average amount of New Policy ... 


285 


476 


250 


•• 


360 


34 


No.& Amount of Life Pols.inforce 
& Bonus Addns., less J^e-insur, 


•• 


^' 


•• 


•• 


•• 



Digitized by VjOOQ IC 



REVENUE 


ACCOUNT 


Abstract of 


New Life Business. 


59 


North British and 
Mercantile. 


Northern. 


Norwich Union. 


X 


1823 Ufe. 


1823 Fire, 


1836. 


1808. 


2 


31 December, 1898. 


31 December, 1898. 


31 December, 1898. 


3 


ll^ije Inamr. 
Account.^ 

751.296 


[Annuity 
Accounts 


[Fartici/a' 
Hon A* Non- 

ParticiM- 
Hon Account] 

254.784 


[Non- 

Partici^a- 

tionAccount.] 

31,191 


[Participa- 
tumAccount.] 

223,593 


AccoutU.] 


[Assurance 
Fund.] 

384,140 


^ir^f 


4 




257,106 






.. 


77,356 




55,654 


5 


304,109 


102,431 


119,127 


12,345 


106,782 


11,139 


124,045 


13,673 


6 


•• 


•• 


.. 


• • 


.. 


•• 


23,309 


-. 


7 


302 


.. 




.. 


.. 


•• 


179 


.. 


8 


2,000 


.. 




• • 


•• 


•• 


.. 


.. 


9 


1.057,707 


359,537 


373,9" 


43,536 


330,375 


88,495 


531,673 


69,327 


10 


^» 554,350 


2,573,320 


3,101,079 


_3i9,302 


2,781,777 


261,218 


3,144,764 


341,683 


xz 


10,12: 


r,67o 






3,362,297 




3,486,447 




611,138 




255,330 


27,228 


228,102 




315,075 




12 


41,182 


.. 


.. 














13 


25,927 


146 


14,370 


905 


13,465 




24,560 






14 


6,037 


.. 


.. 


.. 




.. 


7,717 




.. 


15 




.. 










.. 






16 


.. 


246,962 


.. 


• • 




22,525 


•. 


33.711 


17 


684,284 


247,108 


269,700 


28,133 


241,567 


22,525 


347,352 


33.7" 


z8 


40,258 


2,040 


11,338 


1,488 


9.850 


695 


26,559 


SS6 


19 


59,222 


4,947 


14,140 


1,631 


12,509 


431 


32,976 
46 


SS6 


20 

21 


45 


•• 


• . 


•• 


•• 


:: 


:: 


•• 


22 

23 


783,809 


254,095 


295,178 


31,252 


263,926 


23,651 


406,933 


34,823 


24 


7,828,248 


2,678,762 


3,179,812 


331,586 


2,848,226 


326,062 


3,269,504 
3,64^ 


376,187 


25 


10,50 


',010 






3,207,874 




;,69i 




2,714 


, , 


1,088 








2,455 


.. 


26 


1.885,687 






458,789 


.• 








1,707,483 






27 








.. 










.. 






28 


73.431 






• • 


.. 








73,813 






29 


1,560,937 






• • 


•. 








•• 






30 








1,674 


.. 








•• 






31 


63,572 






18,024 


• • 








•• 






32 


695 






422 


•• 








696 






33 


•• 






•• 










•• 






34 



Digitized by VjOOQ IC 



6o 


REVENUE ACCOUNT. Abstract 


OF New 


' Life Business. 


z 


Title 1 

Date of Establishment 

Date to which Returns are made \ 
up J 

INCOME. 


Patriotic 


Pearl. 


Pelican. 


Pioneer. 


Provident. 


2 


1824. 


1864. 


1797. 


1891. 


1806. 


3 


31 liec. 


31 Dec., 


31 Dec, 


31 March, 


31 Dec-, 




1898. 


1898. 


1898. 


1899. 


1898. 














4 


Premiums, less Re-insurance 


19,965 


622,783 


119.688 


9,756 


233,752 


5 


Consideration for Annuities 




1,229 


2,837 


, , 




6 


Int. & Dividends {less Income Tax) 


6,458 


27,200 


56,964 


1,292 


122,005 


7 


Profit on Investments 


, , 


1.550 


, , 


, , 


, , 


8 


Fines, Fees, &c 


10 


47 


50 


I 


59 


9 


Other Receipts 

Total Inoome 

Amt. of Funds at beginning of year 

OUTGO. 


.* 


• • 


.. 


.. 


• • 


10 


36,433 


652,809 


179,539 


11,049 


35&816 


zx 


164,152 


697,870 


1,409.300 


2,780 


3,213,446 














Z2 


Death Claims & Reversion. Bonus J 
Endowments matured ... 


4,821) 
i,757i 


222,835 


124,495 


3.1" 


257,638 


13 


, , 


1,123 


.. 




14 


Surrenders 


554 


1,093 


6,902 


20 


12,589 


IS 


Cash Bonus 




559 


84 


.. 


30,469 


z6 


Reduction of Premium 




, , 


1,588 




1,972 


17 


Annuities 

Paid to Policyholders 


.. 


872 


1,345 


.. 


•• 


z8 


7,132 


225,359 


135,537 


3,131 


302,668 


19 


Commission 


1,278 


139,918 


6,675 


2,496 


10,461 


20 


Expenses of Management 


2,758 


162,150 


10,381 


3,916 


24,142* 


2Z 


Dividends, &c., to Shareholders... 




10,144 


12,500 




11,076 


22 


Loss or Depreciation 


, , 


, ^ 


, , 


404 


6 


23 


Other Payments 

Total Outgo 
Amount of Funds at end of year. . . 

Abstract of New Life Business 




.. 


.. 


.. 


•• 


24 


xx,i68 


537»S7x 


165,093 


9.947 


34^353 


25 


179,417 


813,108 


1,423,746 


3,882 


3,220,909 






Ordinary 








26 


Number of Policies 


, . 


, , 


323 




781 


27 


Amount thereby Insured 




555,977 


361,600 




376,040 


28 


New Premiums — Single ... ( 
Do. Annual... ( 












29 




22,961 


12,876 






30 


Amount Insured, less Re-insurance 






295,400 




353,040 


31 


New Premiums— Single — Do. ( 
Do. Annual — Do. \ 


.. 


.. 


3,785 




1,391 


32 






10,416 




12,894 


33 


Average amount of New Policy ... 


•• 


•• 


1,120 




481 


34 


No. &A mount of Life Pols, in force \ 
& Bonus Addns., less Re-insur, j 














• • 


•• 


• ' 







Prevident,—* ladvudrng Valuation ExpensBsgitized by VjOOQ IC 



REVENUE ACCOUNT. 


Abstract of 


New Life Business. 


61 


Provident 
Clerks'. 


Provident 
Free Home. 


Prudential. 


Refuge. 


Royal. 


I 


1840. 


1889. 


1848. 


1864. 


1845. 


2 


31 Dec., 
1898. 


31 Dec, 
1897. 


31 December, 1898. 


31 December, 1898. 


31 December, 1898. 


3 






[OnUHaiy 
BrancJk,] 


[Indusirial 
Branch,^ 


^aiT 


[Indusiriai 
BrumA,] 


[Li/0 Insur, 


[Annuity 
Account.^ 




146,431 

3,614 

76,804 

81 


84,376 

14,392 
5,424 


2,967,502 
102,106 
520,758 


4,960,756 
478.032 


257,885 

22,903 

99 


930,999 

14,571 

II 


462,732 

196,803 

196 


66,810 
11,640 


4 
5 

6 

7 
8 

9 


226,930 


104,192 


3.590,366 


5,438,788 


280,887 


94S58I 


659,731 


78,450 


10 


1,976,027 


308,291 


15,082,07s 


13,620,228 


618,101 


454,999 


^,224,607 

5.53< 


314,657 


II 






28,702,303 

1 


1,073,100 

1 


J, 264 




102,549 

9,671 

8,014 

90,583 

626 

11,157 


15,992 

8,280 
537 


975,013 

112,465 
53,600 

78,219 


1,891,039 
11,547 


70,261 
3.683 


4C 


3,021 


333,796 

21,982 
596 


29,196 


12 

13 

14 
15 
16 

17 


222,600 


24,809 


1,219,297 


1,902,586 


73,944 


403,021 


356.374 


29,196 


18 


6,942 
17,768 


21.343 
8,194 
1,362 


207,724 
89,026 


1,411,652 
630,825 
425,000 


19,630 
6,000 
3,695 


190,373 
3011782 

9,847 


23,976 
35.658 


1,108 
639 


19 
20 
21 
22 


. . 






150,000 




70 




.. 


23 


247,310 


55,708 


1,516,047 


4.5«>,o63 


103,269 


905,093 


4x6,008 


30,943 


24 


1,955,647 


356,77s 


17,156,394 


14,538,953 


795,719 


495.487 


5,468,330 
5.83c 


362,164 


25 






31,69 


5,347 


1,291,206 


>,494 




1,774 
282,313 


•• 


64,708 


•• 


19,196 






1,008,736 


•• 


26 

27 
28 


10,180 


.. 


6,420,s8o 




1,255,725 






43,883 


• • 


29 

30 
31 
32 
33 


159 


•• 


353,"3 
99 


•• 


68,728 
65 






, , 


•• 


•• 


•• 


•• 


•• 


• • 






•• 


•• 


34 



Digitized by 



L^oogle 



62 REVENUE ACCOUNT. Abstract of New Life Business. 



I 


Title .... 


Rock. 


Royal Exchange. 


Sceptre. 


Scottish 




Date of Esteblishment 

Date to which Returns are made \ 
up J 










Accident. 


2 


i8o6. 


1720. 


1864. 


1877. 


3 


31 Dec,. 
1898. 


31 December, 1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 






[Li/elnmr. 


[Anmniy 








INCOME. 




Account,] 


Acenmt,] 






4 


Premiums, less Re-insurance 


150,735 


205,222 


, , 


66,183 


5,920 


5 


Consideration for Annuities 


36,047 


. , 


36,175 






6 


Int. & Dividends {less Income Tax) 


125,679 


76,591 


14,480 


28,923 


155 


7 


Profit on Investments 


947 


, , 


^ , 






8 


Fines, Fees, &c 


2,473 


, , 


, , 


108 


2 


9 


Other Receipts 

Total Ineome 

Amt. of Funds at beginning of year 

OUTGO. 


.. 


.. 


.. 




.. 


10 


31&881 


281,8x3 


50,655 


95,214 


6,077 


xz 


3,i85»47o 


2^053,892 
2,421 


368,170 


720,081 


3,251 






2,062 






12 


Death Claims & Reversion. Bonus ( 
Endowments matured ... ( 


138,386) 


206,510 




29,837 


1,700 


13 


1,400 






.. 


M 


Surrenders 


7,135 


6,585 


25 


1,999 




IS 


Cash Bonus 


403 


",685 




. , 


, , 


i6 


Reduction of Premium 




, , 


.. 




, , 


17 


Annuities 

Paid to PoUeyholders 


40.437 


.. 


38,293 






z8 


186,361 


226,180 


38,318 


31,836 


1,700 


19 


Commission 


7,678 


M,33S 


335 


3,680 


761 


20 


Expenses of Management 


20,957 


17,438 


951 


5,486 


1,022 


21 


Dividends, &c., to Shareholders ... 


53,125 


. , 




629 


, ^ 


22 


Loss or Depreciation 




79 




.. 


.. 


23 


Other Payments 

Total Outgo 

Amount of Funds at end of year... 

Abstract of New Life Business 


5»457 






.. 




24 


273,578 


258,032 


39,604 


41,631 


3,4«3 


25 


3,227.773 


2,077,673 

2,45e 


379,221 


773,664 


5,845 






,894 






26 


Number of Policies 


1,099 


1,382 


.. 


632 


272 


27 


Amount thereby Insured 


551,675 


882,133 


.. 


126,425 


71,450 


28 


New Premiums — Single ... ( 
Do, Annual... \ 


, , 




, , 






29 


20,727 


44,808 


, , 


4,335 


, , 


30 


Amount Insured, /ess /Reinsurance 


488,675 


748,963 


, , 


. • 


, . 


31 


New Premiums — Single — Do, ( 
Do. Annual — Do. \ 






• . 


. . 


, , 


32 


18,575 


30,906 






. • 


33 


Average amount of New Policy ... 


502 


638 


•• 


200 


263 


34 


No. & Amount of Life Pols, in force 1 












&BomisAddns, t iess /^e-msur, f | 


• • 






•• 1 





Digitized by 



L^oogle 



REVENUE ACCOUNT. Abstract of New Life Business. 63 



Scottish 
Amicable. 


Scottish 
Equitable. 


Scottish 
Imperial. 


Scottish 
Life. 


Scottish 
Metro- 
politan. 


Scottish 
Provident. 


Scottish 
Temper- 
ance. 


Scottish ' 
Union and ' 
National. : 


X 


1826. 


1831. 


1866. 


1881. 


1876. 


1837. 


1883. 


1824. 


2 


31 Dec., 
1898. 


I March, 
1899. 


31 Dec, 
1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 


31 Dec, 
1898. 


1898. 


31 Dec, 
1898. 


3 


238,644 


358,601 


55.601 


63,281 


66,875 


641,488 


85.892 


315.059 


4 


64,540 






10,890 


2,036 


83,281 




10,352 


5 


145.980 


135.598 


20,655 


17,020 


14,621 


395.144 


15.895 


142,036 


6 


.. 


11,491 




.. 


,. 


.. 


.. 


.. 


7 


85 


693 


.. 


20 


.. 


615 


36 


165 


8 






• • 


.. 


15,107 


.. 


1,500 


.. 


9 




506*383 


76,256 


91,2X1 


98.639 


1,120,528 


103,323 


467.612 


xo 


3,830,932 


4,068,26s 


528,628 


400,784 


333.60I 


10,491,548 


376,067 


3,742,790 


XX 


215,593 


279,333 


34.917 


5,432 


22,296 


473.859 


11,443 


288,781 


X2 


9,950 


10,153 


3.011 


1,331 


3.995 


25.510 


649 




13 


19,589 


18,076 


2,793 


1,432 


2,142 


16,212 


1,360 


9,110 


X4 


•• 


15.123 


400 


• • 


• • 


.. 


1,205 


3.025 


«5 


.. 


.. 


.. 




.. 




2,933 




x6 


25,876 


•• 


81 


7,075 


2,889 


83,843 


370 


10,376 


17 


271,008 


322,685 


41,202 


15,270 


31,322 


599,424 


17,960 


311,292 


x8 


9.223 


13.516 


3,496 


3.778 


4,326 


15.764 


4,678 


12,508 


19 


25,345 


35,260 


7,024 


7.356 


8,889 


54,630 


10,611 


30.770 


20 


•• 


•• 


3.952 


•• 


710 


•• 


4,386 




2X 


• • 




832 






, , 


, , 


3 


22 

23 


30S576 


371.46X 


56.506 


26,404 


4&247 


669,8x8 


37,635 


354,573 


24 


3,974,605 


4,203,187 


548,378 


465.591 


386,993 


10,942,258 


441,755 


3,855,829 


25 


734 


1,522 


491 


499 


657 


1,897 


1,428 


1.024 


26 


494.677 


712,416 


133.250 


302,105 


323,050 


1,280,261 


359.183 


521,605 


27 


28,517 


3,838 


.. 






29,494 






28 


16,526 


24,657 


4.469 


13.506 




44.134 


ia,968 


21,341 


29 


454,677 


689,216 


.. 






1,210,261 




491,005 


30 


• • 


3.628 


•• 


• . 


.. 


.• 


.. 


.• 


3X 




24.077 


.. 


11,251 


9.752 


.. 




.. 


32 


674 


468 


271 


605 


492 


675 


252 


509 


33 


•• 


••. 




•• 




•• 


•• 


•• 


34 



Digitized by 



Lioogle 



64 


REVENUE ACCOUNT. Abstract 


OF New Life Business. 


z 


Tide J 

Date of Establishment ... / . . . 

Date to which Returns are made \ 
up / 

INCOME. 


Scottish 

Widows* 

Fund. 


Sickness, 
Accident 
and Life. 


Standard. 


Star. 


Sun. 


2 


i8is. 


1885. 


1825. 


1843. 


1810. 


3 


31 Dec, 
1898. 


31 Dec., 
1898. 


15 Nov., 
1898. 


1898. 


1898. 














4 


Premiums, less Re-insurance 


998^702 


2y6l2 


820,320 


551,747 


432,261 


5 


Consideration for Annuities 


12,811 


424 


162,380 


8,660 


69,492 


6 


Int & Dividends {less Income Tax) 


544.573 


41 


341,776 


158,164 


146,838 


7 


Profit on Investments 




. • 


.. 


15,192 


• • 


8 


Fines, Fees, &c 


1,043 


, , 


1,150 


315 


201 


9 


Other Receipts 

Total Ineome 
Amt. of Funds at beginning of year 

OUTGO. 


.. 


10,000* 


•• 


•• 


•• 


zo 


1.557.139 


13,077 


i,32&626 


734,078 


648.792 


zz 


14,142,983 


Nil 


8,665,385 


4,380,761 


3,533,632 














12 


Death Claims & Reversion. Bonus f 
Endowments matured ... ( 


976,506 


Nil 


671,073 


280.634 


287,644 


13 




Nil 


37,717 


20,045 




M 


Surrenders 


54,126 




45,390 


15,278 


30,544 


IS 


Cash Bonus 


5,6i6 


.. 




1,983 


2,570 


z6 


Reduction of Premium 




.. 


.. 


4.587 


.. 


17 


Annuities 

Paid to PoUeyholders 


21,339 


5 


76,864 
831,044 


15,399 


19.084 


z8 


1,057,587 


5 


337,926 


339,842 


19 


Commission 


32,817 


482 


43,635 


S9,8o8 


21,480 


20 


Expenses of Management 


64,942 


522 


106,607 


32,687 


45,233 


2Z 


Dividends, &c., to Shareholders... 




• • 


20,000 


250 


3,963 


22 


Loss or Depreciation 


• . 






• • 


51 


23 


Other Payments 

Total Ontgo 

Amount of Funds at end of year... 
Abstract of New Life Business 


•. 




.. 


•• 


1,500 


24 


i,x55,34<5 


1,009 


1,001,286 


430,671 


412,069 


35 


14,544,766 


12,068 


8,989,725 


4,684,168 


3,770,355 














26 


Number of Policies 


2,068 


347 


4,937 


4,929 


2,328 


27 


Amount thereby Insured 


1,396,232 


93,747 


2,058,103 


1.631,855 


1,164,108 


28 


New Premiums— Single ... ( 
Do. Annual... ( 




.. 




.. 


2,728 


29 




2,815 


80,798 


67,668 


42,567 


30 


Amount Insured, iess lie-insurance 


1,322,232 


90,747 


.. 




.. 


31 


New Premiums— Single— Do, ( 
Do. Annual — £>0. \ 


1,825 




• • 


.. 


.. 


32 


50,100 


2,612 


.. 


.. 




33 


Average Amount of New Policy... 


675 


270 


417 


331 


500 


34 


No. & Amount of Life Pols, in force \ 
& Bonus Addns., less JRe-insur. ) 


•• 


• • 


•• 




•• 



Sickn4Stt Accident and Life. — '^ Special Reserve Fund created by Premium on issue of Capital. 



REVENUE ACCOUNT. Abstract of New Life Business. 65 



Sun of 


Union. 


United 


United 


Universal. 


University. 


Victoria I 


Canada. 




Kent. 


Kingdom 






Mutual. 




Fire 1714. 
Life 1 8 13. 

31 Dec, 


1824. 
25 March, 


Temperance 
1840. 










1872, 


1834. 


1825. 

30 April, 


i860. 


2 


31 Dec, 


31 Dec, 


31 Dec, 


31 Dec, 


3 


1898. 


1898. 


1899. 


1898. 


1898. 


1899. 


1898. 




372,220 


344,885 


40,827 


471,040 


76,442 


57,663 


11,223 


4 


20,233 


.. 


12,396 


4,980 


.. 


• • 


.. 


5 


65.754 


82,961 


25,734 


242,518 


38,924 


39,831 


3,542 


6 


79 


3,832 


• • 




.* 


1,621 




7 




49 


44 


401 


51 


68 


6 


8 


15,100 


.• 




7x8,939 


42,056 
, 157.473 


.. 


.. 


9 


473.386 


431,737 


79,001 


99,183 


X4.77X 


10 


1,466,563 


2,155,329 
225,709 


660,661 


6,551,468 
275,072 


983,487* 
"1,554 


1,078.502 
73,462 


87,899 


IZ 


92.418 


48,302 


6,369| 


Z2 


18,234 


• . 


2,076 


33,870 


2,000 


.• 


X3 


20,618 


15,652 


1.544 


38,073 


2,105 


3,519 


409 


M 


3,546 


26,755 




4,015 


17,162 


347 


.. 


15 


8,474 


.. 




21,624 


.. 


901 


• • 


z6 


4,086 


.. 


6,768 
58,690 


4,725 
377,379 


.. 


.. 


• • 
6,778 


17 


147,376 


268,116 


132,821 


78,229 


18 


61,814 


28,449 


2,108 


30,398 


3,374 


1,658 


959 


19 


69,352 


29,985 


4,290 


23,362 


8,136 


6,248 


1,783 


ao 


3,237 


15,000 


7,000 




12,693 


1,495 


•• 


21 




14 


36 




131 


3,348 


22 


22 




4 




498 
431,637 


41,621 


.. 


9,542 


23 


281,779 


341.564 


72,124 


198,776 


90,978 


24 


1,658,170 


2,245,492 


667,538 


6,838,770 


942,184 


1,086,707 


93,128 


25 


16,752 


3,053 


222 


2,456 


135 


256 


224 


26 


2,194,717 


941,928 
3,255 


114,009 


783,019 


79,393 


179,675 
2,181 




J 


27 
28 




34,996 


4,284 


27,127 




6,208 




29 




926,928 


.. 


.. 


78,393 


152,675 






30 




3,255 


.. 


.. 


.. 






: } 


3X 


91,366 


33,702 


• • 




2,905* 


.. 




32 


•• 


309 


514 


319 


588 


702 






33 




29,213 






3,127 


1,908 






34 




10,208,762 






2,136,144 


2,243,833 





Universal.—* Funds on basis of rupee at is. id. instead of 2s, as formedy.OOQ LC 



66 REVENUE ACCOUNT. Abstract of New Life Business.! 



I 


Title 1 

Date of Establishment 

Date to which Returns are made \ 
«P / 

INCOME. 


Wesl«ran 
General. 


Westmr. 

and 
General. 


Yorkshire. 


Yorkshire 
Provident 




2 


1841. 


1836. 


1824. 


1870. 


3 


31 Dec., 


31 Dec, 


28 Feb., 


31 Dec, 




1898. 


1898. 


1899. 


1898. 














4 


Premiums, less Re-insurance 


364.321 


57,363 


73,789 


10,103 




5 


Consideration for Annuities 


85 




27,786 


. . 




6 


Int & Dividends {less Income Tax) 


12,857 


25,270 


32,341 


102 




7 


Profit on Investments 


85 


.. 




.. 




8 


Fines, Fees, &c 


22 


71 


49 


I 




9 


Other Receipts 

Total Income 
Amt of Funds at beginning of year 

OUTGO. 


•• 


.. 


• • 


38 




xo 


377>37o 


82,704 


133,965 


10,244 


XX 


325,985 


629,543 


812,972 


5,603 
















X3 


Death Claims & Reversion. Bonus 
Endowments matured 


141,732 


41,051 


60,195 


3,678 




13 




1,450 


• • 






14 


Surrenders 


8,613 


4,222 


2,727 






X5 
x6 


Cash Bonus 

Reduction of Premium 


•• 


109 

599 


62 


•• 




I? 


Annuities 

Paid to Polioyholdori 


619 


2,073 


10,548 


10 




x8 


150,964 


49,504 


73,532 


3,688 




19 


Commission 


101,265 


2,916 


4,580 


1,946 




20 


Expenses of Management 


70,883 


7,592 


7,532 


4,350 




2X 


Dividends, &c., to Shareholders... 


6,487 


1,362 




• . 




22 


Loss or Depreciation 


, , 


, , 


166 






23 


Other Payments 

Total Outgo 
Amount of Funds at end of year... 

Abstract of New Life Business 


.. 










24 


329,599 


6x,374 


8S810 


9,984 




35 


373,756 


650,873 


861,127 


5,863 
















26 


Number of Policies 


.. 


293 


446 


.. 




27 


Amount thereby Insured 






92,503 


289,970 








28 


New Premiums — Single ... 
Do. Annual... 
















29 






3.387 










30 


Amount Insured, less Re-insurance 








227,070 








31 


New Premiums— Single — Do, ( 
Do. Annual — Do. \ 








2,219 








32 








8,467 








33 


Average Amount of New Policy... 








650 








34 


No.&AmountofLife Pols, in force " 
& Bonus Addns. , less Re-tnsur, 
























•• 





Digitized by 



Ljoogle 



REVENUE ACCOUNT. Abstract of New Life Business. 67 





SUMMATION OF REVENUE ACCOUNT 




Reported in 1899. 


4 

5 

6 

7 
8 

9 


Ordinary Life. 

22,150,016 

2,405,821 

8,814,249 

409,217 

13,942 

258,156 


Industrial Life, 

7,973,344 
2,214 

558,583 

2,578 

1,016 

950 


Total 

30,x^36o 

2,408,035 
9,372.832 

4",795 

X4,958 

259,xo6 


ID 


34,051,401 


8,538,685 


42,590,086 


XX 


^x,36i,954 


xS796,78o 


247,x58,734 


Z2 

X3 
14 
X5 
16 

17 


15,788,829 

475,754 

1,140,747 

599,797 

568,746 

1,586,738 


3,044,768 

38,731 
39,662 

559 
4,166 


x8,833,597 
514,485 

1,180,409 
600,356 
568,746 

x,590,904 


18 

19 
ao 
21 
22 
23 


20,160,611 

1,282,205 

1,985,914 

475,734 

141,259 

159,671 


3,127,886 

2,074,966 
1,441,878 

452,305 
4,042 

162,298 


^288,497 

3,357,i7x 

3,427,792 

928,039 

X4&30X 

32x,969 


24 


24,205,394 


7,263,375 


31,468,769 


25 


241,207,960 


17,072,090 


258,280,050 


Difference- 
Income excee 


Is^iftgo 9,846,006 


x,27S3xo 


11,121,316 




New Ordinary Life Business. 

Number of Policies (approximated) 

New Premiums (&xf Re-Assurances) 

Average Amount of New Policy 

Do., deducting ''Ordinary" New Business of Industrial Life 
Offices 


88 Companies. 

194,442 

30,949,520 

x,383,655 
250 

377 




Ratio of Expenses {prdinary Life Assurance) to Premium Income 
Do. industrial Do.) Do. 


X47S 
44-xx 



Digitized by 



LjOOgte2 



68 REVENUE ACCOUNT— AMERICAN LIFE OFFICES. 





Title and Date of Establishment [ 

Date to which Returns are made ) 
up 

INCOME. 




Rttuvnx fumuh§d in 1895-96* 




X 


EquiUble, United SUtes 
1859. 


Mutual, New York. 
1843. 


2 


31 Dec, 1897. 


31 Dec, 1898, 


31 Dec, 1897. 


31 Dec, 1898. 




£ 


£ 


£ 


£ 


3 


Premiums, less Re-insurance 


7,826,695 


8,050,105 


8,029,813 


8,275,453 


4 


Consideration for Annuities 


187,268 


163,722 


704,249 


486,953 


5 


Int. & Dividends {less Income Tax) 


2,075,946 


2,177,289 


2,158,262 


2,348,670 


6 


Profit on Investments 


273,766 


910,330 


420,509 


990,871 


7 


Fines, Fees, &c 


• • 


• • 






8 


Other Receipts 

Total Inoomo 

Amt. of Funds at beginning of year 
OUTGO. 


.. 


.. 


.. 


14,320 


9 


xo,363»675 


11,301,446 


",312,833 


12,116,267 


xo 


44,821,559 


48,951,322 


47,890,455 


51,823,593 












XX 
X2 


Death Claims& Reversion. Bonus ' 
Endowments matured 


2,477,743 
252,525 


2,693,814 
269,840 


2,705,863 
416,149 


2,699,344 
482,309 


13 


Surrenders 


1,127,247 


1,268,933 


1,519,961 


1,207,814 


14 


Cash Bonus 


488,312 


637,447 


514,892 


463,089 


15 


Reduction of Premium 






• • 




x6 


Annuities 

Paid to Polioyholdori 


109,551 


"7,430 


159,777 


218,474 


17 


4,455,378 


4,987,464 


5,316,642 


5,071,029 


x8 


Commission 


1,036,063 


1,046,683 


1,132,020 


1,124,596 


19 


Expenses of Management 


741,013 


771.323 


931,033 


1,032,810 


20 


Dividends, &c., to Shareholders ... 


1,458 


1,458 


.. 




21 


Loss or Depreciation 






.. 


.. 


22 


Taxes 


.. 


• > 


.. 


.. 


23 


Other Payments 

Total Outgo 

Amount of Funds at end of year... 
Abstract of New Life Business* 


.. 








24 


6,233,912 


6,806,928 


7,379,69s 


7,228,435 


25 


48,951*322 


53,445,840 


51,823,593 


56,711,425 












26 


Number of Policies 


42,684 


42,030 


55,870 


51,785 


27 


Amount thereby Insured 


24,529,523 


23,924,640 


27,879,046 


25,717,937 


28 


New Premiums 


873,139 


934,720 


1,049,274 


1,052,065 


29 


Average Amount of New Policy.. . 


574' 


569 


499 


497 


30 


Rate of Conversion 


;^i=$4.8o 


;fi-$4.8o 


;fi-$4.87 


;fi«$4.87 


31 


Number and Amount of Life 
Policies in force and Bonus 
Additions 


309,590 


•• 


• • 


•• 




198,159,549 


•• 


•• 


•• 



* This abstract is obtiuned from the New York State Commissioner's Re] 



*-5gTe 



REVENUE ACCOUNT— AMERICAN LIFE OFFICES. 69 





Title and Date of EsUblishment | 

Date to which Returns are made / 
«P I 

INCOME. 




SUMMATIONS. 


z 


New York. 
1845. 


Totals 
reported to 


2 


31 Dec, 1897. 


31 Dec, 1898. 


31 Dec, 1897 


3xDec,x898. 




£ 


£ 


& 


£ 


3 


Premiums, less Re-insurance 


6,426,168 


7,124,285 


22,282,676 


23,449,843 


4 


Consideration for Annuities 


255,277 


272,081 


1. 146.794 


922,756 


5 


Int. & Dividends {less Income Tax) 


1,824,161 


2,005,577 


6.058,369 


6,531.536 


6 


Profit on Investments 


10,300 


21,399 


704.575 


1,922,600 


7 


Fines, Fees, &c 


.. 


.• 




.. 


8 


Other Receipts 

Total Inoomo 

Amt. of Funds at beginning of year 
OUTGO. 


2,186 


1.235 


2,186 


IS555 


9 


8,518,092 


9.424.577 


30,194.600 


32,842,290 


10 


38,183,782 


40,892,821 


i30,89S796 


141.667.736 












XI 


Death Claims & Reversionary Bonus 


2,041,416 


2,067,815 


7,225,022 


7,460,973 


12 


Endowments matured 


610,616 


752,089 


1,279,290 


1,504,237 


13 


Surrenders 


597.025 


690,365 


3,244,233 


3,167,1x2 


14 


Cash Bonus 


512,649 


570,268 


1.515,853 


x,67o,8o4 


15 


Reduction of Premium 








.. 


16 


Annuities 

Paid to PoUcyholdors 


300,339 


313,853 


569.667 


649,757 


17 


4,062,045 


4,394,390 


13.834,065 


14,452,883 


18 


Commission 


886,547 


904,013 


3,054,630 


3,075,292 


19 


Expenses of Management 


842,15s 


943,536 


2.514,201 


2,747,669 


20 


Dividends, &c., to Shareholders ... 


.. 


.. 


1,458 


1,458 


21 


Loss or Depreciation 


14,186 


11,136 


14,186 


",136 


22 


Taxes 


•• 


• • 


• • 


■ • 


23 


Other Payments 

Total Outgo 
Amount of Funds at end of year ... 

Abstract of New Life Business* 


4,120 


2,939 


4,120 
19,422,660 


2,939 


24 


S809,053 


6,256,014 


20,29x,377 


25 


40,892,821 


44,061,384 


141,667,736 


154,218,649 












26 


Number of Policies 


63,708 


73,471 


162,262 


167,286 


27 


Amount thereby Insured 


27,892,139 


3^294*932 


80,300,708 


8o;937,509 


28 


New Premiums 


i,037»766 


1,245,782 


2,960,179 


3,232,567 


29 


Average amount of New Policy . . . 


438 


426 


495 


484 


30 


Rate of Conversion 


;fi=«4.86 


;^i.«4.86 


•• 


•• 


31 


Number and Amount of Life ( 
Policies in force and Bonus ] 
Additions ( 




•• 


•• 


•• 




•• 


•• 


•• 


•• 



* This abstract is obtained from the New York State CommissioDip^R^^QQ[^ 



70 



INSURANCE REGISTER. 



ASSESSMENT AND NATURAL-PREMIUM LIFE ASSOCIATIONS. 



MUTUAL RESERVE FUND LIFE ASSOCIATION OF NEW YORK. 

FoutuUd i88t, 
REVENUE ACCOUNT for tht Ytar tnding jnt Dtctmhtr, t9^. 



Rbcbipts 

;C s. d. 
Amount of Funds at the beginning of the 

yw 984ia56 19 4 

Premiums and Assessments .. X}04Si56^ on 

Consideration for Annuities granted ml. 

Interest and Dividends 30»5oi o 4 

Rents 3x>>35 o 7 

Fees for changing Beneficiaries . . . . 3i8 15 8 



^a,09z,774 16 xo 



Disbursements. 

Claims under Policies (including Claims 

announced) 

Disability claims 

Surrenders .. 

Anntiities 

Cash Dividends to Policyholders (Bonds). . 
Commission: — 
Commissions paid to Agents, Banks and 
Collectorsi and cost of Collecting 

Mortuary Calls 

Advanced payments returned to r^ected 

Applicants 

Expenses of Management : — 
Salaries and Travelling J^ s. d. 

,A^?»*?^-- . ••.„•• 53,567x4 5 

Medical Examiners Fees 12,913 4 xo 

Rent and Taxes .. 37,096 6 xz 

Postage 7,300 8 5 

Actuarial Expenses . . 31448 X3 4 
General Office and Agency 

Expenses .. 53,680 o 8 
Advertising and Printing 18,290 4 z 
Legal and Investment Ex- 
penses 5,1x4 x6 8 

Cost of Death Claim De- 
partment x5,o44 z6 



£ s.d. 

880,297 17 7 

3,364 2 4 

ml. 

Mil. 

17,406 12 10 



X38,349 i^ 2 
199 6 7 



Agents' Balances written 

off December 3zst, 1896 

Amount of Funds at the end 

of the year 



X9S,4S5 5 6 

45,0x7 10 

8zx,684 5 1° 

jG«,09«.774 >• " 



BALANCE SHEET for the Year onding^ 3isi December, rSg^. 



Life Assurance Fund: — 
•Reserve Fund . . 

Life Assurance Fund : — 
Premium Fund . . 



LlABILITIBS. 



s. d, 

678,849 xo 9 
X3a,834 xs 1 



£ s.d. 



Total Funds as per First Schedule . 
Members' Deposit Account: — 

Balance to credit of Members 
Claims notified but not paid . . 



.. 8x1,684 5 xo 

.. 36,098 X3 3 
.. 236,940 o xz 



^x,o84,7a3 o o 



Assets. 

Mortgages on Real Estate in the United 

States ^ ^ 

Deposit with Chancery Division in England 

French Rentes 

Bonds : — 

Province of Quebec, Canada 

Dominion of Canada 

Credit Fonder, Paris, France 

City of St. Louis, Missouri 

Italian Government Consols 

Citv of Winnipeg, Canada 

Debentures 

Furniture and Fixtures 

Agents' Balances ^ 

Outstanding Premiums 

, Interest .. « 

Cash on Deposit .. ..;^2X3,833 x8 5 

,, in Hand and on 

Current Accounts .. Z97 6 o 



£ s.d 

464,X33 I 5 

30,020 10 

6,197 18 

zo,266 18 10 
xo,744 9 5 

3,984 19 s 

205 6 10 

S,"5 8 5 

7,186 17 2 

2,831 12 5 

XX, 576 10 9 

94,678 16 9 

2x8,630 II 3 

16,119 13 9 



- 3x3,030 4 5 
jCx,o84,733 o 



* The Policies or Contracts issued by the Mutual Reserve Fund Life Association provide for the payment by the 
Members of a sum equal to the Death Claims, with the right to collect Mortuary Premiums to an amount equal to the 
Ameri<^ or Actuaries' Tables of Mortality, with a loading in addition thereto of 33} per cent. Therefore the 
aforesaid "Reserve Fund" of ;^678,849. xof. 9^. is, as a matter of fact, a surplus. 

Note.— Throughout this Statement £j sterling is reckoned equal to 4 dollars and 87 cents currency. 
Revenue Account and Balance Sheet of the Mutual Reserve Fund Life Associationy as filed with ike Board of 

Trad,, Undcn, .xc^tinf F«,tm,ti^.^.^.^^^ byC^OOglC 



ASSESSMENT & NATURAL-PREMIUM ASSOCIATIONS. ;i 



BRITISH NATURAL-PREMIUM PROVIDENT ASSOCIATION, LIMITED. 

EstaHisfud iSqi, 
REVENUE ACCOUNT for Hu Ytar ending 3tst DeumUr, 1898. 



Rbcbipts. 

& s. 
Amount of Funds at the be- 

ginnine of the Year .. 
PoUcyhoTders' Premiums received 
and held in trust by Trustees 
(see Tnistees' Account), only 
shown in this account to indi- 
cate the Gross Business trans- 
acted: 
Life Assonuace Premiums.. 30,197 xx 
Interest Life Fund Invest- 
ments 



d. £ s. d. 
"7,338 JO 2 



Tontine Investment Premiums 
Interest Tontine Investments . . 



1,613 II S 

3.346 7 
32a xo 



-31,8x1 3 a 



Industrial Premiums Proportion 
Policyholders' Contributions to 
Expenses Fund and Income 
from New Department .. 14,7x4 n 
Transfer and Aissignment Fees 24 4 
Premium on Shares issued to 

Policyholders 3,893 o 

New Debentures issued .. 3,511 4 



Share Capital 

Balance carried to Balance Sheet 



3,668 X7 

3,658 13 



-ao,i4x X9 7 
33,507 IS o 
28,846 8 3 



£*3fi»97i 5 9 



EXPBNDITUBB. 

£ s. d. £ t. d. 
Trustees' Account- 
Claims under Policies (Life) 
paid by Trustees (see Trus- 
tees' Account), only shown 
on this Account to indicate 
the amount paid .. 19,883 xo o 

Claims under Policies 

(Tontine) 459 3 5 

Claims under Policies 

(Industrial) 1,731 xs xx 

Badance Dec 31, 1897 7^3 9 7 

33,837 15 " 

Commissions and Procuration Fees, less 
amount charged to Establishment Ex- 
penses .. ix,oia 4 o 

Expenses of Management and extending the 
esublishment of the Association's 
business, including the Industrial 
Department — 
Salaries, Medical Fees, Rent, Stationery, 
Printing, Law Charges, Advertising, 
Travelling, Revenue Stamps, Postages, 
Establishment Expenses, &c 37*783 o 5 

NOTE.— The Ordinary Branch Expenses are 
now covered by the Expense Income from 
the Ordinary Branch. The necessary 
heavy outlay m establishing the Industrial 
Branch accounts for the heavy expenditure. 

Interest on Debentures and Guarantees 3,647x0 x 

Reserve for Agents' Balances . . 3,000 o o 

Depreciation on Fixtures and Fittings . . 143 9 4 

Amount of Funds at end of Year . . 170,550 6 o 

jC«36>973 5 9 



BALANCE SHEET at 



LlABILITIBS. 
£ 



Share Capital, Authorised 
Issue 



s. d. 



£ s. d. 



xoo,ooo o o 



Allocated .. ;C54,o68 o o 
Issued at £1 

each .. 50,883 o o 
Paid up on same 39»757 X5 o 

Debentures, Authorised Issue 100,000 o o 

Fully paid 35,666 13 4 

Scrip .. ..;^3S,633 6 8 
Less amount 
uncalled .. 13,305 9 4 

13,437 17 4 

- 48,094 10 8 



Amounts outstanding on Guarantees . . 1,650 

Life Assurance Fund (held by Trustees) . . 70,921 7 2 

Tontine Investment Fund (ditto) . . 14,071 3 7 

Industrial Fund (ditto) 163 9 7 

Premiums on Shares issued to Policyholders 2,892 o o 



i7o»5So 6 o 
Sundry Charges and Accounts 

due but not paid .. 5,042 is x 

Temporary Loans . . . . 33,952 17 8 
(Part of which has since been 
arranjred for by issues of Deben- 
tures, and part on issue of Shares. ) 
Premiums paid in advance .. 6,249 13 6 

-Z 34.345 3 3 

Amount due to Directors for Fees as per 

Suspense Account 8>9o8 o xo 



^ai3,793 so i 



tke 31st Dtcembtr^ 1898. 

Assets. 

£ s. d. £ s. d. 
Investments and Cash in 
hands of Trustees — 
Life Assurance Funds . . 70,921 7 3 
Tontine Investment Funds 14,071 3 7 
Industrial Fund .. 163 9 7 

85,156 o 4 

Agents' Balances (being advances against 

Commission to be earned) and Sundry 

Debtors 9,695 7 s 

Stock of Stationery 400 o o 

Office Furniture and Fixtures 1,282 3 xo 

Stamps in hand . . 3x4x1 9 

Cash at Bankers and in hand 4i7o8 8 i 

Amounts due to Directors for Fees as per 
contra, to be written off to Revenue 

Account as per Article 121 8,908 o 10 

Balance of Revenue Account, 

_ 1897 ;^43,259 3 « 

Do. do. X898 28,846 8 3 

72,105 II 5 

Amount of Guarantee Expenses Fund 

expended from commencement of the 
Association, principally replaced by 
Debentures 3x»333 6 8 



; gai3,703 xo 

Digitized bv LjQQ^??'^'^™^ 



72 



INSURANCE REGISTER. 



SHARE LIST OF INSURANCE COMPANIES. 

As a means for permanent investment, there is probably no branch 
of Joint Stock enterprise which should command more favourable 
consideration, on the part of the capitalist, than the shares of well- 
managed Insurance Companies. Comparatively free from the fluctuating 
influences of trade, and with calculations based upon the most reliable 
data^ the value of Insurance shares generally varies less than those of 
other branches of business; while a portion of the profit ascertained 
being often set apart to increase the paid-up capital, the value becomes 
proportionately enhanced, and the risk or liability proportionately 
minimized. The following is a list of Shares carefully compiled from 
official sources by Messrs. J. Grant Maclean & Hugh Henderson, Stock- 
brokers, Stirling. A statement of the Yield per cent, is included. 





Paid-up 


Div. 










Dividend 


and 


for last 


LutBonul 


NAME OP COMPANV 


Price at 


Yield 


payable. 


Bonus 


za mths. 
per Shr. 


perShue. 


PIAMC \JF \,\JBHrAnK. 


x6th Dec., X898. 


percent. 


February... 
Jan. & July 


3/9 






Abstainers' and General, Limited 


3/9 


£ s. d. 


I 


lO^/o 


S'/a in shares 
(1884) 5/6 


Accident Insurance, Limited ... 


55/ 


3 12 9 


April & Oct 


£^^l 


8/ 


Alliance Fire and Life 


i4 


3 16 2 


Jan. & July 
Mar. & Sept 
Feb. & July 


1 


40/ 


(1898) 10/ 


Alliance Marine & General, Ltd. 


51 


3 18 6 


24/ 




Atlas Fire, Life and Accident ... 


284 


442 


4 


20/ 


(iSili^'/oll 


British & Foreign Marine, Limtd. 
British Equitable Life 


24t 


412 


Jan. & July 
:viarch...... 


10 


27/ 


20f 


6 12 6 


I 


7K 





British Law Fire, Limited 


30/ 


200 


November 


10/ 


IO?/o 


... ... 


British and Legal Life, Limited 




... 


July 


I 




(1895) 5% 


British Workman's Life, Limited 


62/6 




May & Nov. 


s 


28/ 


; n-^i J to 
(1891) 20/ 


Caledonian Fire and Life 


34i 


4 r 6 




9/ 




City Accident and General, Ltd. 
City of Glasgow Life Assurance 


l'24 




Aprii&Oct. 
July 


3 14 3 


2h 


7/6 
30/ 


(i897)37/6addl. 


tClerical, M^ical & General Life 


i6i 
40 


4 10 10 
3 15 


May & Nov. 


••a 

5 


Commercial Union F. L. & Mar. , 










Limited. 






March 


4/ 


eVo 





Co-operative (Manchester) Fire, 
Life & Fidelity, Limited. 


4/3 


600 


Mar. & Sept 


80 

X 


;^I2 


(1890) £5 


CountyFire 

Credit Assurance and Guarantee 


200 

20/ 


600 










Corporation, Limited. 






Jan. & July 


10/ 


^2^ 


('93)10/ on old shs. 


tEagleLife 


10/ 


500 


June 


I 






Eastern Counties' Fire, Limited 


26/6 

22/6 
53 


5 5 8 
4 13 
3 II 8 


June 


I 




Ecclesiastical Insurance Office, Ld. 
Edinburgh Life 


Apr. & Oct. 


20 


... ... 




I 






Employers' Indemnity, Limited 
Employers' Liability, Limited ... 
Employers' Mutual, Limited ... 

Empress, Limited 

Engine Boiler & Emps' Liab. , Ld. 






May.....!..! 


2 


I0°/o 




68/9 
par 

^ 45/^^. 
£7' 3^. 4^. 


5 16 4 




10/ 
3 












Feb! & July 


3 


lO'/o 


(ISS'S) 10/ 


4 3' 
3 18 3 


Tan. & July 


3i 


9/ 




English and Scottish Law Life... 


ii4 


Mar. & Sept 


I 


1/ 




Equitable Fire & Accident, Ltd. 


36/ 


2 15 6 


April & Oct 


100 


S7o 


(1898) liVi 


Equitable Reversionary Int., Ld. 


"5 


4 15 


January ... 


6 


21/ 


(189s) - 


II Equity and Law Life 


24 


4 7 6 


April 


I 


3i'/i 


1 


Farmers', Land Owners' & Mer- 
cantile, Limited. 


18/ 


3 17 9 


May (1898) 


I 


S'/» 


(1897) ... 


Fine Art and General, Limited... 


23/9 


450 


Jan. &July 


5 


15/ 


5/ yearly 


General Assurance 


154 


4 16 9 



t Paid in Cash (Bonus every 5 years). 



II Included in Dividend/ O O O I P 



Digitized by^ 



SHARE LIST OF INSURANCE COMPANIES. 



73 



Dividend 
payable. 



Mar. & Sept 
December 
Jan. & July 
Jan. & July 
Jan. & July 
April ... 



Jan. & July 

July 

Half-yearly 
April&Oct. 
April & Sep 
May&Nov. 
Mar.& Sept 
May& Nov. 

June (1892) 
April ... 
May&Nov. 
Feb. & July 
Jan. & July 
April&Oct 
May& Nov. 

July 

March 



May& Nov. 
May&Nov. 
February... 
June& Dec. 
May&Nov, 
February... 
Feb.& Aug. 
April&Oct. 
Jan. & July 
Mar. & Sept 
May&Nov. 
Jan. & July 

June 

March ... 
Feb. & July 



April&Sep. 
Jan. & July 
Jan. & July 
Feb. & July 
Mar. & Aug. 
Feb.&Aug. 



July & Dec. 



Paid-up 

and 

Bonus 

Additions. 



ICX> 

I 

15/ 
20 

5 

li 

2i 

5 
5 
4 
I 

3 
50 

2 

li 

3 

.!> 

2j 
I 
2 * 



Dlv. 
for last 



per Shr. 



67c 

% 

107. 

io7< 

% 

2/6 

3/ 

87, 

1/6 

17/6 

18/ 



Last Bonos 
per Share. 



Jan. & July 
May&Noy. 
February... 
June& Dec. 



100 


6*^0 


12/ 


5/6 


8 


14/6 


5 


4*^/0 


I 


... 




s7o 
1^ 


I 


20/ 


2 


36/ 


2 


2/('97) 


5 


«/ 


I2i 


SO/ 


I on some 




2 


8/ 


2i 


12/ 


2 


5/6 


I on most 
1/ 


l^^» 


I 


io7» 


10/ 


... 


2 


6/ 


4i 


40/ 


2 


io7« 


24 


3/ 


24 


2/6 


3 


11/ 


I 


s7o 


I 




I 


... 


2 


87« 


4i 




li 




25 


37o 


6i 


30/ 


I 


87o 


10 


60/ 



l7oCashl| 

(189s) 7/«o 
67o cash. 

(189s) - II 
"gd."' 

(1898)1/6 intrm. 



(1897) ;^3 cashll 



... 2/6 II 
9/('95)bal.ofb. 
(189s) "I'l 



27o 



(1888)10/ added 
(1898) 247<} 



(1890) 2i7, 
(1896) 10/ 

(1892) 27^ 
(1898) 10/ II 

(1898) 1*5/ II 



NAME OF COMPANY. 



Cxeneral Reversionary, Limited 
Globe Accident, Limited 

Gresham Life, Limited 

:;:Guarantee Society 

Guardian Fire and Life, Limited 
Guardian Plate Glass, Limited ... 
Horse, Carriage, & General, Ltd. 

>» >» , i» 

Imperial Fire, Limited 

flmperial Life 

Imperial Live Stock, Limited ... 

Indemnity Marine, Limited 

Kent Fire 

Lancashire Fire and Life 

Lancashire & Yorkshire Accid. Ld. 

Lancashire & Yorks. Reversionary 
Interest, Limited. 

Lancashire Trust & Mortgage, Ld. 

Law Accid. Insurance Society, Ld. 

Law Fire 

Law Guarantee & Trust, Limited 
•Law Life 

Law Reversionary, Limited 
II Law Union and Crown F. & L. 

Legal and General Life 

Licenses Insur. & Guarantee, Ld. 

Life and Health Assurance, Ord. 
>, „ ,. Pref. 

Life Association of Scotland 

Lion Fire, Limited 

Liverpool and London £1 Anns. 

Liverpool & Lond.& Globe F. & L. 

Liverpool Mortgage Insur., Ld. 

Liverpool Reversionary, Limited 

London Assurance, F., L. & Mar. 

Lond., Edin. & Glasgow Life, Ld. 

Lond. Guarantee & Accident, Ld. 

London and Lancashire Fire ... 
^London and Lancashire Life ... 

London & Manchester Indust. Ld. 

London & Nth. British PI. Gl, Ld. 

London & Provincial Marine, Ld. 

London and Scot Boiler, Ltd.... 

Manchester Fire 

Marine, Limited ... 

Maritime Insurance, Limited ... 

Merchants* Marine, Limited ... 

National (Ireland) Fire and Life 
^National Boiler & General, Ltd. 

National British & Irish Millers, 
Limited. 

National Burglary, Limited 

National of Great Britain, Ltd. 
^National Guar, and Surety, Lim. 

National Provincial PI. Gl., Ltd. 

National Reliance, Ltd 

National Reversionary, Ltd. ... 

North Brit. & Mercantile F. & L. 

Northern Accident, Limited 

Northern Fire and Life ... 



Pricaak 
i6Ch Dm:., 189I. 



1274 

27/ 

28 

61 

23/ 

12 
225 

88/9 
70/ 

85/ 



16/ 
18 
25/ 
244 
130 

6| 

154 

5 



33 

16/ 

.344 

514 

35/ 

74 

7/ 
"i 
174 

6f 

io/ 
22/3 

*7I 
414 

95/ 
55/ 
32/6 

i3i 

26/ 



20/ 
55/ 

% 
39i 

37/6 
78f 



4 9 

4 I 
6 I 

5 o 

3 II 
2 16 

4 5 

5 13 



3 15 o 

4 13 10 
4 16 o 

3 13 

4 12 
4 I 
4 13 
4 5 



3 
4 

2 

3 
5 
5 
4 

3 " 

4 6 



4 I 4 
4 16 4 

4 4 4 

5 9 I 
7 13 10 
400 
3 17 o 



4 I 3 

3 15 6 

4 5 4 
3 16 3 



* To which has been added £z8 per share out of profits, but the liability still remains. 
fPaid in cash (Bonus every s years). % Added to Capital. || Included in Dividend. 3Q [^ 



74 






INSURANCE REGISTER. 




1 




Paid up 


DIt. 










DiTidend 
payable. 


and 

Bonus 

Additions. 


forlut 
iimthl. 
IwrShr. 


Last Bonus 
per Shan. 


NAME OF COMPANY. 


Price at 
i6tliDec..i89B. 


Yldd 
percent. 


Feb. & July 


3 


w7» 


(1897) a/ per sh. 


Northern Maritime, Limited ... 


7* 


£ s.d. 
4 4 4 


June&Dec. 


5 


«67o 




Norwich and London Accident... 


25 


340 


Jan. &June 


12 


£s 


(I89i8) 20/ II 


Norwich Union Fire 


128 


318 I 


Mar.&Sep. 


I 


iS7o 




Ocean, Accid. , & Guar. Corp. , Ld. 


85/ 


3 10 7 


Feb. & July 


2i 


207» 


... 


Ocean Marine, Limited 


9i 


5 5 3 


April&Oct. 


2 


3/ 


... ... 


Palatine, Limited 


62/6 


4 16 


April & Oct. 


H 


2/3 


(1894) ... 


Patriotic (Ireland) Fire and Life 


28/3 


7 19 3 


February... 


2 


io7o 


(1896)3^/0 csh 


Pearl Life, Limited 


64 


3 4 7 


May 


I 


2/6 

35/ 


(iB6B)6d. D.sh. 


Pelican Life 


62/6 
4ii 


400 


April&Oct 


8^6 


\ * "y/ •*••• K* "*•• 


Phoenix Fire 


4 4 4 









Pioneer Life, Limited 






January . . . 


4 


'5/ 


(1898) 2/6 


Provident Clerks* Accident, Ltd. 


is 


5001 


Jan. &July 


8 on some 


26/ 


(1898) 5/ 


Provident Clerks* Guarantee, Ld. 


24 


5 8 3 


February... 
Quarterly 


10 


£6 


(1898) 95/ 


tProvident Life 


33 


6 13 4 


5 


s7o 


(1897) 35/ pd 


Prudential Life and Industrial 




... 










Assurance, Limited. 






Mar. & Sept 


2 


8/ 





Railway Passengers 


H 


4 " 5 


March 


2 


74% 


2/5 per share 


Refuge Life, Limited 






[an. & July 


2 


4/ 





Reliance Marine, Limited 


96/3 


4 3 I 


Tune & Dec. 


lOO 


S7o 





II Reversionary Interest Society, Ld. 


"3i 


400 


Ian. &July 


5 


s7» 


(1896) 2'U 


Reversion Purchase, Limited ... 


Si 


4 13 


April&Oct 


10/ 


5/ 


(1896) ... II 


♦Rock Life 


85/ 


517 7 


;an. &July 


ICX> 


I47» 





Royal Exchange Fire, Life & M. 
II Royal Fire and Life 


345^ 


4 I 2 


' une&Dec 
'^arch 


3 


38/d.&b 





li 


3 II 10 


I 


67o 


(1894) 13/9 


Sceptre Life, Limited 


500 


Feb.&Aug. 


I 


io»/<, 




Scottish Accid., Life & Fidelity, 
Limited. 


46/ 


4 7 


April&Oct 


16/ 


77i 


... 


Scottish Alliance Fire, Limited 


27/ 


4 3 


February... 


I 


4/ 


57o cashll 


Scottish Boiler, Limited 


95/ 


4 4 2 


March 


15/ 


2/6 




Scottish Employers* Liability, Ld. 


90/ 


2 15 6 


May&Nov. 


I 


97<, 


(18^) :;: 


Scottish Imperial Life 

Scottish Life and Accident, Lim. 


39/ 


4 12 3 


March 


I 


6i«/« 




44/ 


2 19 I 


April 


li 


6% 


... ... 


Scottish Metropolitan Life, Ltd. 
Scottish Plate Glass, Limited ... 


40/6 


4 8 10 


April 


8/ 


lo'U 


(1897) 1/ 


'3/9 


6 


Feb.&Aug. 


5 


67o 




Scottish Reversionary, Limited... 


.^ 


3 410 


March 


5/ 


97o 


"47o"' II 


Scottish Temperance Life, Ltd. 


2 16 I 


June&Dec. 


I 


17W0 




Scottish Union and National (A) 


87/ 


4 S 


Tune & Dec. 


3i 


i74«/o 


... 


Do. do. do. (B) 


16A 


319 3 


'Tan. &July 


2 


6/ 




Sea Marine, Limited 


lOf 


2 16 5 


March 


10/ 


i247o 




Sickness, Accident and Life, Ltd. 


36/ 


3 ? I 


May&Nov. 


12 


40/ 


(1896) :.'.* II 


Standard Life 


SI 


318 6 


January ... 


4 


io7» 




Standard Marine, Limited 


81 


415 6 


January ... 


li 


s7» 


(1894) ;Cl2 16/ 


Star Life 


^s, 


4 9 


March 


I 


1/ 




State Fire, Limited 


34/9 


2 17 6 


Jan. &July 


lO/ 


8/6 




Sun Fire 


III 


314 3 


Jan. & July 


7i 


7/6 


(1897) 20/ 


tSunLife 


i5i 


316 I 


Feb. & July 


2 


10/ 


4/ 


II Thames and Mersey Marine, Ld. 


io| 


4 16 4 


December 


2i 


47o 




Trustees Executors & Securities, 
Limited. 


35/ 


5 19 


February... 
Jan. & July 


6/ 


"Oo/o 


ao''/*ad.sh.C78) 


Ulster Marine, Limited 


7/6 


8 


4 


19/ 


... 


11 Union Fire and Life 


24i 


3 17 6 


Jan. & July 


2* 


7/6 




Union Marine, Limited 


9i 


Ui 


September 


50 


70/ 


... 


United Kent Life, Limited 


103 


June&Dec. 


12 


52/ 


40/ II 


Universal Life 


40 


6 6 


June 


li 


;'• 


(1895) 41/6 


fUniversity Life 

Vulcan Boiler & General, Ltd.... 


7i 


7 17 


Feb. & July 


10 


3 10 


August ... 


10/ 


57o 




Wesleyan Meth. Trust Fire, Lim. 


10/ 


5 


March 


I 


87o 




West of Scotland Fire, Limited 


45/ 


3" I 


February... 


2i 


13/7 


(1897) 55/9 


Westminster and General Life ... 


23i 


5 7 6 


March 


2 






World Marine, Limited... 


30/ 




May & Oct 


I 


9/ 





Yorkshire Fire and Life 


"i 


JiLi 



* Bonus every 7 yean. 



t Paid in cash (Bonus every 5 years). 



II Incinded in Dividend. 
Digitized by VjOOQ IC 



COMMENTS AND SUMMARIES. 75 



BRITISH LIFE ASSURANCE. 

" ORDINARY.'' 

The Blue Books issued by the Board of Trade in 1882 and since, have contained 
I summary of the Revenue Accounts of all the British Life Offices. The totals of these 
summaries are here reproduced, and an examination of the tables reveals both the solid 
rharacter and the rapid growth of British Life Assurance. 

In the 18 years covered by the tables, the amoimts received from Policyholders 
lave been : — 

Premiums j£'267, 126,407 

Consideration for Annuities 21,060,291 

Total ^£288,186,698 



The payments to Policyholders have been : — 

Claims 

Cash Bonuses and Reduction of Premiums 

Surrenders 

Annuities 

Total 

The increase in Funds is 

Total 

Deducting Receipts as above 



;£'209,85i,847 
17,906,876 
15,405,722 
iS»47i,958 

;^258,636,403 
100,211,589 

;f358.847,992 
288,186,698 



We find that the sum of j£70,66i,294 

has been paid to or accmnulated for Policyholders in excess of the amount received from 
them. This has been accomplished after paying all expenses of management, and is, of 
course, principally derived from interest. 

These figures supply a good object lesson, on a large scale, of the benefits of Life 
Assurance ; while, at the same time, the tables show the increasing extent to which those 
benefits are recognised by the public. Thus the Premium Income, as reported in the 
Blue Book published in 1882, was ;£i 1,658,319. Seventeen years later the Premium 
Income was /20, 199,386, or ;£i73 reported in 1899 for every ;£ioo reported in 1882. 

The purchase-money paid for Annuities shows an even larger proportionate 
increase. From ;£590,9ii in 1882 this item has grown to ;£i,985,892 or just about three- 
and-a-half times what it was 17 years previously. The details that we give on page 113 
show the tendency of the cost of Annuities to increase, but the rates on pages 126-129 
prove how good an income may still be obtained by investing in this way. 

On page 78 we give some details of the Assurances in force, as published in the 
Blue Books issued in 1888 and 1897. In eleven years the net sum assured has increased 
from ;£42i,o6i,768 to ;£587,907,8i6, an increase of 40 per cent. 

It is remarkable that for all the ten years for which these returns are available, the 
Participating Assurances have remained almost uniformly 83 per cent, of the total, and the 
Non-participating 17 per cent An even more noticeable feature is the great increase in 
Endowment Assurances. The total increase is about 40 per cent., that is to say, there 
is ;£i4o assured now for every ;£ioo assured nine years ago ; but Endowment Assurance 
exhibits an increase of 367 per cent, a rate of progress more than nine times as rapid 
as the average progress of the business as a whole. Were the figures in all respects up 
to date — which, owing to the majority of valuations being made quinquennially, is not 
possible — the existing proportions of Endowment Assurances would appear even larger 
than they do. 

Digitized by VjOOQ IC 



76 



INSURANCE REGISTER. 



SUMMARY OF REVENUE ACCOUNTS 









FUNDS. 




INCOME. 


Blue 


No. of 
Company's 










. Book 
issued in 


Adjustments. 


Amount at 
end of year. ■ 


Premiums. 


Consideration 
for Annuities. 


Interest and 
Dividend. 
Cess Tax) 








£ 


£ 


£ 


£ 


£ 


1882 


99 






128,659,580 


11,658,319 


590,911 


5.369,007 


1883 


100 




•7I17S 


132,716,573 


11,898,134 


596,221 


5,487,806 


1884 


96 


-191,979 


137,010,924 


12,163,838 


610,137 


5,652,716 


1885 


95 


+ 


59,889 


140,750,808 


12,307,152 


636,510 


5,765,562 


1886 


96 




... 


144,649,252 


12,555,797 
12,846,925 


644,274 


5,918,058 


1887 


94 




■2,590 


147,933,581 


601,187 


6,047,412 


1888 


9^ 






151,275,956 
155,208,202 


13,033.945 
13,586,325 


703,993 


6,039,705 


1889 


96 




■ 1^653 


812,660 


6,170,171 


1890 


95 


— t 


♦4,638 


160,172,605 


13,928,001 


1,107,787 


6,325,678 


189I ' 


2' 


-685,874 


165,809,134 


14,213,386 


1,275,665 


6,527,543 
6,744,876 


1892 


89 


— 


33,728 


171,547,169 


14,833,359 
14,565,861 


1,184,705 


•1893 


90 


— . 


22,585 


176,199,924 


1,096,870 


6,618,912 


1894 


22 


+ i 


29,599 


181,692,907 


16,573,686 
16,862,514 


1,359,476 


7,206,828 


1895 


88 




... 


188,372,536 


1,415.769 


7,252,747 


1896 


85 






196,010,383 


17,637,683 
18,657,348 


1,742,387 


7,393,739 


'!97 


!7 


+ 113,712 


204,379,825 


2,365,466 


7,576,282 


1898 


!5 


- 140,741 


214,127,439 


19,604,748 


2,330,381 


7,964,761 


1899 


85 




3,171 


224,372,455 


20,199,386 


1,985,892 


8,198,530 


Total 


... 


-930,937 


... 


267,126,407 


21,060,291 


118,260,333 


Blue 


OUTGO. 


issued in 




Cash Bonuses 












Claims. 


and Reductions of 
Premiums. 


Surrenders. 


A 


Jinuities. 


Commission. 




£ 


£ 


£ 




£ 


£ 


1882 


9,850,250 


854,297 


734,051 




512,214 


491,514 


'ff3 


9,744,679 


934,897 


713,945 




531.836 


517,672 


'B^ 


9,870,228 


835.201 


751,349 




573,235 


534,904 


1885 


10,618,945 


915,147 


773,331 




593,151 


548,275 


1886 


10,475,536 


896,225 


772,905 




633,091 


579,992 


1887 


11,349,172 


950,747 


&S^ 




658,331 
689,341 


607,064 


1888 


11.356,437 


1,068,334 




636,879 


1889 


11,710,695 


949,963 


870,963 
888,728 




704,989 


671,97s 


1890 


11,001,581 


1,063,444 




743,326 


709,247 


189I 


10,627,096 


998,693 


819,458 




797,427 


678,324 


1892 


11,783,890 


1,057,400 


792,073 
823,776 




871,070 


731,412 


*i893 


12,396,122 


1,045,530 




806,234 


752,447 


1894 


13,517,068 


959,450 


937,971 




,055,411 


920,152 


1895 


12,774,929 


1.085,490 


1,006,851 




,054,276 


916,306 


1896 


12,792,252 


1,054,089 


981,465 




,135,282 


990,651 


1897 


13,614,138 


1,008,220 


973,737 




,230,700 


1,061,914 


1898 


13,191,929 


1,201,353 


993,397 




,377,819 


1,115,114 


1899 


13,176,900 


1,028,396 


930,339 




,504,225 


1,155,352 


Total 


209,851,847 


17,906,876 


15,405,722 


xS47i,958 


X3»6i9,i94 



*(i893) Excluding the accounts of the Grtskam, owing to an 
* <'8«6 apd .^ll^^p^g^^j^vestmen ts includes 



COMMENTS AND SUMMARIES. 



17 



OF "ORDINARY" BRITISH COMPANIES. 



INCOME. 



Inaease in value 


Fines, Fees, &c. 


Capital 
paid-up. 


Miscellaaeous. 


Total 


238,573 
193,986 
188,045 
125,900 

227,718 
160,055 
89,572 
155,958 
239,580 

291,675 

177,365 
163,092 
173,922 
189,614 

198,286 
401,206 

196,515 
282,031 


6,157 
7,432 
6,801 
6,865 

7,085 
7,239 
7,243 

7,573 
8,100 

6,889 
7,293 
9,246 
10,292 
10,383 
11,106 
11,350 
",307 
11,055 


16,260 
^^ 

3,704 

6,122 

10,040 

23,097 
9,782 

35,719 
35,684 
65,069 
48,051 
16,361 

368 

8,038 

3,240 

31,471 


28,311 

17,244 

109,738 

25.628 

6,068 

25,891 

43,352 

73,568 

823,910 

150,309 

63,411 

32,422 
3163 
852,520 

36,740 


£ „ 
17,907,538 
18,222,057 
18,747,543 
18,871,321 

I9.365»i22 

19,679,657 
19,886,622 
20,804,469 
21,644,819 

22,394,229 
23,056,850 
23,342,960 
25,522,564 
25,810,799 

27,015,991 
29,087,853 

30,963,472 
30,745,105 


3»693,093 


153.4x6 


350,774 


2,424.657 


4X3>o68,97x 



OUTGO. 



Expenses of 
Management. 


Bad Debts and 
Decrease of 
Investments. 


Interest and 
Dividends to 
Shareholders. 


Miscellaneous. 


Increase in 
Funds. 


Total. 


£ 
1,081,302 
1,146,028 
1,143,526 
1,140,979 

1.195,134 
1,258,784 
1.293,253 
1,376,413 
1.424,505 

1.361,913 
1.390,797 

i!586;629 
1,588,123 

1.593,984 
1,653,061 
1,725,310 
1.744,145 


^5*960 
30,878 

t3X4,333 

t82,I92 

59,060 

69)567 

117,751 
148,668 

60,479 

148,835 

245,336 

61,586 

112,591 


706,658 
531,055 
490,152 
564,290 

576,222 
695,950 
562,512 

492,327 
601,815 

593,403 
498,344 
587,042 
427,664 
531,004 

616,696 
573,562 
458,961 
361,919 


£ 

7,631 

1,890 

16,658 

6,330 

23,240 
9,923 

133,565 

11,433 

862,405 

530,726 

134,903 

64,890 

471,455 
949,648 
483,051 


£ 
3.567,777 
4,064,171 
4,486,330 
3,679,995 

3,898,444 
3,286,919 
3,342,375 
3,933,899 
5,009,041 

6,322,403 
5,771,763 
4,675,340 
5,463,384 
6,679,629 

7,637,847 

^»fS5'730 

9.88|,3§5 

10,248,187 


£ 
17,907,538 
18,222,057 

18,747.543 
18,871,321 

19,365,122 

19,679,657 
19,886,622 
20,804,469 
21,644,819 

22,394,229 
23,056,850 
23,342,960 
25,522,564 
25,810,799 

27,015,991 
29,087,385 
30,963,472 
30,745,105 


25,037,471 


1,851,7x0 


9,869,576 


3,843,028 


100,2x1,589 


4x3,068,971 



^toadon in the date of their financial year. 
'^nton, Medical and General, Losses. 



Digitized by 



L^oogle 



78 



INSURANCE REGISTER. 



SUMMARY OF "ORDINARY" 


ASSURANCES IN FORCE. 


Blue Book issued m 


1888. 


1880. 


ASSURANCES. 


Number. 


Sum Assured. 


Number. 


Sum Assured. 


With Profits. 




£ 




£ 


Whole Term of Life 


654,692 


331,625,527 


766,164 


369,485,412 


Limited Premiums 


20,676 


11,552,369 


41,283 


24,770,291 


Endowments 


2,575 


419,850 


2,034 


424,039 


Endowment Assurances 


98,176 


19,887,707 


648,169 


109,338,088 


Joint Lives 


7,633 


1,987,906 


15,539 


3,224,852 


Last Survivor 


i»433 


1,119,036 


960 


775,836 


Contingent 


67 


86,787 


17 


22,568 


Issue 


5 


6,150 


4 


13,500 


Miscellaneous 


261 


111,701 


1,332 


r,092,243 


Total with Profits 


785,518 


366,797,033 


1,475,502 


509,146,829 


Without Profits. 




£ 




£ 


Whole Term of Life 


78,017 


54,371,974 


138,516 


68,369,456 


Limited Premiums 


3,361 


1,612,962 


7,137 


3,304,882 


Endowments 


5,054 


881,386 


17,134 


4,153,850 


Endowment Assurances 


22,825 


6,503,819 


44,483 


13,950,587 


Joint Lives 


2,157 


919,902 


2,605 


1,135,095 


Last Survivor 


1,203 


1,077,854 


1,118 


1,394,887 


Contingent 


2,588 


4,272,178 


3,804 


5,665,910 


Issue 


575 


2,568,202 


1,121 


4,373,948 


Miscellaneous 


3,770 


3,647,693 


6,623 


8,260,552 


Total without Profits 


119,550 


75,855,970 


222,541 


110,609,167 


Total with and without Profits . . . 


905,068 


442,653,003 


1,698,043 


619,755,996 


Re-assurances 


... 


21,591,235 


... 


31,848,180 


Net 


... 


421,061,768 


... 


587,907,816 






DTom? 


dbyLjQQQ 


t€ 



COMMENTS AND SUMMARIES. 



79 



INDUSTRIAL ASSURANCE. 

The progress of Industrial Assurance in recent years has been much greater 
than the development of Ordinary Assurance. The story of this progress is chiefly 
the record of the Prudential Company, as may be seen from the following table : — 



Blue Boole 
issued in 


Funds. 


Prkmiums. 


Prudential. 


All other 
Companies. 


Prudential. 


AU other 
Companies. 


1882 
1887 
1892 
1897 
1899 


£ 
1,318,547 
4,034,445 
7,912,206 

11,866,745 
13,568,034 


211,418 

489,749 

1,232,907 

2,462,890 

3,401,299 


£ 
1,608,849 
2,794.523 
3,5*7,925 
4,352,626 

4,793,591 


£ 

333,145 

755,512 

1,513,901 

2,263,987 

2,776,559 



From this it appears that about 80 per cent, of the total Industrial Funds 
are held by the Prudential^ and 63 per cent, of the total Industrial Premiums are 
received by the same Company. 

The record of the Industrial Assurances in force tell the same tale of 
extraordinary growth, and of the predominance of the PrudentiaL 



Blue Book issued in 


1888. 


1893. 


1899. 


ASSURANCES. 


Number. 


Sum Assured. 


Number. 


Sum Assured. 


Number. 


Sum Assured. 


Whole Term of Life ... 
Limited number of 

Premiums 

Endowments 

Endowment Assurances 
Joint Lives, &c. 


8,951,207 
3 

25,192 
70,116 
99,326 


^ £ 
80,552,109 

7 

344,736 

1,089,610 

1,448,025 


12,497,257 

128 

71,413 

69,308 

196,036 


£ 
117,599,191 

3,089 
1,039,442 
1,005,400 
3,113,509 


15,930,785 

^3 
804,651 

182,202 

312,371 


£ 
152,782,644 

12,534 
6,245,955 
1,947,840 
5,001,508 


Total 


9> 145,844 


83,434*487 


12,834,142 


122,760,631 


17,230,712 


1^5,990,481 



The Assurances in force in the Industrial Branch of the Prudential on the 
31st December, 1897, were 12,546,132, assuring ;^i22,284,289, thus exhibiting 
very clearly the magnitude of the Prudential business. 

Such development, whether of Ordinary or Industrial business, is a healthy 
sign. It is a clear indication of the confidence felt in British Life Offices, and the 
figures given in this book show abundant grounds for the continuance of such 

confidence. 

Digitized by LjOOQ IC 



8o 



INSURANCE REGISTER. 



SUMMARY OF REVENUE ACCOUNTS OF "INDUSTRIAL" BRITISH COMPANIES. 



Blue 


No. of 
Companies 
included. 


FUNDS. 


INCOME. 


Book 
issued in 


Adjust- 
ments. 


Amount 
end of Year. 


Premiums. 


Interest and 
Dividends 
OessTax). 


Other 
Items. 


Total. 


1882 
1883 
1884 
1885 

1886 
1887 
1888 
1889 
1890 

1891 
1892 
1893 
1894 
1895 

1896 
1897 
1898 
1899 


II 

12 

13 
10 

9 

9 

12 

13 
II 

13 
12 
12 
II 
II 

II 
II 
II 
II 


£ 

-2i4o8 

-2,322 
+ 1,572 

-1,521 

+22,585 
-3,831 

-113,712 
+ 140,741 


£ 
1,529,965 
1,993,345 
2,273,907 
2,947,249 
3,702,510 
4,524,194 
5,523,811 
6,202,470 
7,167,869 

8,259,058 

9, 145, "3 
10,202,050 
10,816,075 
",875,423 
13,290,052 

14,329,63s 
15,437,518 
16,969,333 


£ 
1,941,994 
2,245,565 
2,602,438 
3,059,264 

3,289,181 

3,550,035 
3,746,241 
4,008,912 
4,360,438 

4,853,735 
5,031,826 
5,467,096 
5,709,691 
5,927,835 
6,382,927 
6,616,613 
7,151,109 
7,570,150 


45,716 

60,206 

71,921 

91,991 

120,296 

139,392 

169,659 

196,429 

219,419 

250,836 

274,562 

312,400 

3681639 
396,850 

436.303 
480,264 
523,361 


£ 

28,282 

35,113 
2,814 

5,681 

17,233 
128,291 
128,864 

4,004 

.11,395 
47,954 

340,715 
81,559 

137,987 

167,094 
157,019 


£ 
1,989,683 
2,334,053 
2,709,472 
3.154,069 

3', 706^660 
4,044,191 
4,334,205 
4,583,861 

5,115,966 

5.354,342 
6,120,211 

6,126,539 
6,434,461 

6,938,354 
7,209,214 
7,798,467 
8.250,530 


Total 


... 


+ 158,377 


... 


83,5iS0S0 


4»493,533 


1,6x0,853 


89,619,436 


Blue 


OUTGO. 


Book 
Issued in 


Claims. 


Commission. 


Expenses 

of 

Management. 


Other 
Items. 


Increase in 
Funds. 


Total. 


1882 
1883 
1884 
1885 

1886 
1887 
1888 
1889 
1890 

189I 
1892 
1893 
1894 
1895 
1896 

1899 


£ 

697,778 

779,985 

957,350 

1,124,622 

1,250,250 

1,366,537 
1,461,832 
1,588,174 
1,663,661 

1,928,406 
2,184,851 
2,537,261 
2,451,965 
2,547,832 

2,418,754 
2,774,101 
2,751,230 
2,912,046 


ill 

870,593 

1,102,107 
1,179,055 

1,304,529 
1,377,173 
1,501,917 

1,581,409 
1,577,803 

1,708,887 
1,826,471 
1,880,662 
1.952,399 


£ 
345,427 
413,232 
430,124 
461,473 

528,198 
568,572 

668;6^ 
704,241 

838,110 
844,716 
974.319 
989,140 

994,927 
1,080,028 
1,093,058 
1,279,244 
1,320,139 


£ 

5,976 

6,578 

271,017 

12,212 

12,428 

14,990 

19,434 

298,049 

65,055 

si 

486', 169 
254,551 
316,056 
362,289 
920,189 
534,131 


£ 

465)788 
280,562 
675,664 

253*689 
821,684 
1,001,138 
677,216 
971,849 

975.555 

879,409 

1,034,352 

617,856 

1,059,348 

1,414,629 

1,153,295 

967,142 

1,531,815 


£ 
1.989,683 
2.334,053 
2,709,472 
3.154,069 

3[7o6!66o 
4,044,191 

4',583!86i 
5,115,966 

5,354,342 
6,120,211 
6,126,539 
6,434,461 

6.938,354 
7,209,214 
7,798,467 
8.250,530 


Total 


33,396,635 


22,692,909 


14,109,107 


3,789,045 


15,631,740 


89,619,436 



Digitized by 



Google 



8i 



BALANCE SHEET, 



LIABILITIES AND ASSETS. 

In conformity with the requirements of the Board of Trade, as 
authorised under "The Life Assurance Companies Act, 1870," it is 
now generally well known that all Life Offices are compelled to make 
a return yearly of their financial position, setting forth, in the form of 
Revenue Account and Balance Sheet, a correct statement as to their affairs. 

In the preceding pages a summary is given of the Revenue Accounts, 
and a summary of the Balance Sheets will be found in the pages following. 

In examining the two documents together, it may be well to state that 
the figures set forth in the Revenue Account as " Amount of Funds at the 
end of the Year," are stated in detail in the Liabilities portion of the 
Balance Sheet — namely, Capital paid up; Life, Annuity, and other founds: 
the figures relating to line 25 in the Revenue Account corresponding, for 
the most part, with line 10 in the Balance Sheet. The exceptions are, 
usually, in the case of those Companies which unite Fire with Life Business. 

In regard to the Assets portion of the Balance Sheet, it may be 
stated that, with reference to the item " Other I^oans and Investments," 
a foot-note is usually appended explanatory of the nature of the security. 
It will be observed that the securities producing, or estimated as pro- 
ducing, Interest are distinguished from those which, from their character, 
are non-productive.* Some of the items which constitute the latter 
are, in their purport and value, frequently misunderstood, and it may 
therefore be well to offer the following explanation : — The term 
"Agents' Balances" usually comprehends the premiums sent for col- 
lection in the Agencies, the days of grace of which are still current. 
It also includes, specially in the case of Fire Companies, sums due by 
other offices. The term " Outstanding Premiums " usually relates to the 
premiums, with days of grace running, which are retained at the Head 
Office, or at the principal branches. The term " Outstanding Interest," 
when not otherwise stated, generally includes Interest accrued, that is 
to say, the total amount of interest is calculated up to the day on which 
the financial year closes, but, as a matter of course, is not legally due. 
When stated separately, Interest outstanding forms the first or upper item. 
The inconsiderable item " Other Assets," usually applies to office furniture 
and fittings and other small assets. 

* Attention has been directed, on the part of the Scottish Offices, to the fact, that 
the item " Cash on current account," usually commands in Scotland a small amount of 
Interest. 

Digitized byi^OQglC 



82 



BALANCE SHEET— Liabilities and Assets. 



z 


Title 


Absolute. 


Abstainers 

and 
General. 


Alliance. 


Atlas. 




Date of Establishment 

Date to which Returns are made ' 
up J 

LIABILITIES. 








2 


1894. 

31 Dec, 

X897. 


1883. 


1824. 


1808. 


3 


31 Dec, 
1898. 


1898. 


31 December, 1898. 










\Proprietor£ 
Guar. Fund.] 


[Life J^und.\ 


4 
5 
6 


Capital ?*^^"P'/?'^^ 

^cipimi Increased bv Bonus ... 

Annuity Fund C'^*" uSVunS? '"*") 


",454 

6)441 1 

• • 


15.000 

Ord.ioS,9S^ 
IfuL 18,48c 


550,000 

3,"V,359 

• • 


X 20,000 

24,000 


• ■ 

z,6o2,4i3 


7 


Fire Insurance Fund 


• . 


• . 


787.373 


385,000 




8 


Profit and Loss Account 


, . 




90,299 


30,343 


• ■ 


9 


Investment Reserve & other Funds 

Total Funds 
Other Liabilities. 




3,528 


86,485 


52,909 


8,659 


zo 


17,895 


145,959 

[Ord, 950 
\lnd, 85 


4,639,516 


•• 


1,611,072 


zz 


Life Claims admitted, not paid ... 




49,042 


..• 


49,200 


Z2 


Fire Claims do. do. 




59,551 


53,583 


• • 


13 


Outstanding Dividends 




.. 


473 


811 




M 


Other Outstanding Liabilities . . . 
Total Liabilitiei 
ASSETS. 


23,606 


1,504 
148,498 


5,736 


15,216 




IS 


41,501 


4,754,318 


68z,862 


1,660,272 










2,342,134 


z6 


Mortgages in United Kingdom ... 


2,500 


85,933 


786,578 


33,670 


230,437 


17 


Do. out of do. 


. . 




9,016 


.. 




z8 


Loans on Company's Policies ... 




4,177 


132,393 


.. 


67,963 


19 


British Government Securities ... 


, , 


• • 


177,954 






20 


Indian and Colonial do 


5i3i3 


16,508 


110,630 


144,055 


161,935 


2Z 


Foreign Government do 


. , 


,, 


347.371 


97,876 




22 


Rail, and other Debentures, &c.... 


J 10,676 
J 10,613 


3,605 


837,732 


55,697 


170,829 


23 


Do. do. Shares 


1,165 


803,524 


86,524 


251,215 


24 


House and Landed Property 




• ■ 


343,809 


91,220 


2,321 


25 


Public Rates, Rent Charges, &c.... 


• • 


. , 


696,133 


11,330 


480,747 


26 


Life Ints. & Reversions purchased 
Loans on do. 


•• 


'7,804 


197,907 




113,847 
107,303 


27 


Loans on Personal Security 






13,371 


^1 


1,450 


28 


Cash on Deposit 


730 


.. 


11,292 


11,285 


i8,cx)o 


29 


Other Loans and Investments ... 

Total Intereit-beaxing Aaaeta 

Branch Offices' & Agents' Balances 


.. 


100 


.. 




2,200 


30 


29,832 


119,292 


4,467,710 


531,744 


1,608,247 


31 


177 


83 


147,586 


105,995 


13,738 


32 
33 

34 


Outstanding Premiums 

Interest } Outstanding, and ... 

1 Accrued, not due 
Cash in hand, &c. 


374 

"332 
956 


8,812 

1,401 
2,162 


19,526 

2,266 

42,656 

67,601 


2,001 
29,420 


7,119 

4,236 

14,579 

12,353 


35 


Other Assets 

Total NoB-Intereat-bearing Aweta 

Total GroM Aisets 

■ 


9,830 


i 15,453* 
( 1,295 


6,973 


1,400 




36 


11,669 


29,206 


286,608 


150,118 


52,025 


37 


4i,5oz 


Z48,498 


4,754,3x8 


68z,862 


z,66o,272 








. 2,342,Z34 



Abttahiert and Gtneral.-^* Esublishment Expenses. 





BALANCE SHEET— Liabilities and Assets. 


83 


British 
Empire 
Mutual. 


British 
Equitable. 


British 
Legal. 


British 
Life. 


British 
Workman's 
& General. 

1866. 


Caledonian 

1805 F. 

and 


City of 
Glasgow. 


I 


1847. 


1854. 

31 Tan., 

1899. 


1863. 


1895. 


1833 L. 

31 Dec, 

1898. 


1838. 


2 


31 Dec., 
189& 


31 Dec 
1898. 


30 April, 
189)8. 


1898. 


3 


• • 
2,726,339 


25,000 

J2,572 

1,661,032 


3,288 
1771561 


25,000 
V,389 


25,000 
321,334 


107,500 
1,645,364 


6o,oool 
2,431,989 


4 
5 
6 

7 


• • 


, , 


, , 


, , 


, , 


436,703 


, , 


• • 


.. 




.. 


.. 


87.441 




8 


• • 


• ■ 


1,820 
182,669 


.. 


17.000 


.. 


• • 


9 


2,726,339 


1.718,604 


26,389 


363,334 


2,277,008 


2,491,989 


zo 


38.720 


6.167 


• • 


.. 


108 


49,415 


50,124 


zz 


• • 


• • 


.. 


.. 




45,566 




Z2 


• • 


.. 


64 




.. 


2,378 


165 


13 


3,208 


8,301 
^,733,072 


.. 


225 


I,iil 


5,822. 


12,783 
2,555,061 


14 


2,768,267 


182,733 


26,614 


364,553 


2,380,188 


15 


464,173 


190,608 


112,670 


2,118 


87,616 


125,304 


465,652 


z6 


260,238 


.. 


.. 


.. 


10,000 


33,881 


.. 


17 


156,252 


75,446 


.. 


.. 


21,670 


85,932 


98,882 


z8 


• • 


• • 


.. 


20,000 


.. 


.. 


.. 


19 


301,581 


183,797 


• • 


• • 


.. 


233,147 


123,744 


20 


18,732 


.. 


.. 


• • 


.. 


180,369 


9,731 


21 


350,102 


92,695 


• • 


.. 


19,442 


609,290 


533,950 


22 


159,509 


.. 


• • 


• • 


48,971 


234,596 


426,526 


23 


268,688 


70,365 


• • 


• * 


30,037 


111,879 


79,476 


24 


8,681 


1,077,020 


55.660 


• • 


52,662 


266,849 


561,364 


25 


55,678 
411,420 


• • 


, , 


• • 


7,229 


139,323 
172,208 


5,222\ 
77.693/ 


26 


81,788 


• • 


.. 


.. 


1,109 


, 14,235 
f 13,455 
I 19,003 




27 


111,067 


2,000 


• • 


2,973 
25,091 


4,332 


70,826 


28 
29 


2,647,909 


1,691,931 
18,958 


168,330 


283,068 


2,239,471 
65,874 


2,453,066 


30 


18,106 




212 


633 


13,393 


31 


43,527 

6,055 

27,756 

23,^7 


1,778 
15,214 

1,714 


9,258 
849 

3,709 


**i38 
1,052 


46,411 
3,755 

19,458 


2,517 

2,231 

19,612 

47,498 


2i,866| 

/ 

24,067 


32 
33 
34 


1,777 


3,477 
41,141 


587 
14,403 


121 


11,228 


2,985 


1,040 

101,995 

2,555,061 


35 


.. 


1,523 


81,485 


140,717 
2,380,188 


36 


2,768,267 


1,733,072 


182,733 


26,614 


364,553 


37 















Digitized by VjOOS^I 2 



84 



BALANCE SHEET— Liabilities and Assets. 



z 


Title ; 

Date of Establishment 

Date to which Returns are made 
up 

LIABILITIES. 


Clergy 
Mutual 


Clerical, 

Medical & 

General. 


Colonial 
Mutual. 


Commercial 
Union. 


Co- 

operative. 


2 


1829. 


1824. 


1873. 


1861. 


1886. 


3 


31 May, 
1899. 


^^&"- 


1898. 


31 Dec.. 
1898. 


31 Dec., 
1898. 














4 
5 


r-r^ifi / Paid up, and 

Capital 1 Increased bv Bonus ... 
Life and Annuity Fund 


Mutual 
4,123,529 


50,000 
3,483,405 


Mutual 
2,226,454 


250,000 
2,132,182 


10,000 


6 


Annuity Fund {^^ ^VJSS^ '^) 










. . 


7 


Fire Insurance Fund 








1,203,179 


43,292 


8 


Profit and Loss Account 








147,123 


2,189 


9 


Investment Reserve & other Funds 

Total Fundi 
Other LiabiiitlM. 


5.183 


.. 


35.202 


871,496 


15,602 


10 


4,128,712 


3.533,405 


2,261,656 


4,603^980 


91,948 


II 


Life Claims admitted, not paid ... 


44,500 


21,241 


5,472 


.. 


.. 


12 


Fire Claims do. do. ... 








110,485 


"7 


13 


Outstanding Dividends 








793 


.. 


M 


Other Outstanding Liabilities ... 
Total LiabiUtieB 
ASSETS. 


.. 


12,977 


524 


119,449 


1,983 


15 


4,173,211 


3,567,623 


2,267,652 


4,834,707 


94.048 














i6 


Mortgages in United Kingdom ... 


1,268,880 


1,009,459 


.. 


54,881 


7,393 


17 


Do. out of do. 


.. 




956,953 


54,654 


.. 


i8 


Loans on Company's Policies 


275,464 


140,601 


229,057 


.. 


362 


19 


British Government Securities ... 


.. 


72,721 




121,051 


.. 


20 


Indian and Colonial do 


156,950 


436,260 


.• 


192,792 


.. 


21 


Foreign Government do 


.. 


.. 


.. 


208,525 


.. 


22 


Rail, and other Debentures, &c. ... 


845,730 


} 856,302 


120,634 


171,730 


8,301 


23 


Do. do. Shares 


314.947 


15,847 


500,058 


15,861 


24 


House and Landed Property 


99,084 


12,750 


600,235 


541,062 


1,200 


25 


Public Rates, Rent Charges, &c... 


653,004 


441,395 


• • 


105,106 


30,416 


26 


(Life Ints. & Reversions purchased 
(Loans on do. 


53,352 
393,878 


6,245 
350,114 


, . 


3,600 


, , 


27 


Loans on Personal Security 




.. 


6,135 


10,164 


26,116 


28 


Cash on Deposit ... 


35,441 


137,267 


• • 


152,061 


.. 


29 


Other Loans and Investments ... 
Branch Offices' & Agents' Balances 




• • 


• • 


2,152,249 


.. 


30 


4,096,731 


3,463,114 


1,928,861 


4,267,933 


89,649 


31 


.. 


28,609 


1.774 


227,844 


539 


32 

33 
34 


Outstanding Premiums 

I-rest{0~<;ing.and ... 

Cash in hand, &c 


13,354 

8,195 

43,940 

10,991 


15,997 

3,140 

42,651 

14,112 


34,632 
17,161 

268,715 


36,137 
2,846 

197,668 


81 
886 

*2i893 


35 


Other Assets 

Total Noa-Interest-boaring Aasots 

Total Gross Assets 


. 




16,510 


102,279 




36 


76,480 


104,509 


338,792 


566,774 


4,399 


37 


4,173,211 


3,567,623 


2,267,652 


4,834,707 


94,048 


.^ 













Digitized by LjOOQ IC 





BALANCE SHEET— Liabilities and Assets. 


85 


Eagle. 


Economic. 


Edinburgh. 


English and 

Scottish 

Law. 

1839. 


Equitable. 


Equityand 
Law. 


Friends' 
Provident 


I 


1807. 


1823. 

31 Dec, 

1898. 


1823. 

31 Dec. 

1898. 


1762. 

31 Dec, 

1898. 


,844. 

31 Dec, 

1898. 


1832. 

20 Nov., 

1898. 


a 


31 Dec, 
1898. 


31 Dec, 
1898. 


3 


167,868 
2.487,799 


Mutual 
3,99i5,933 


100,000 

22,304 

3.280,212 


70,000 
1,899,167 


Mutual 
4.506,436 


60,000 

3,376,328 


Mutual 1 
2,666,023 


4 
5 


•• 


•• 


•• 


351,901 


•• 


• • 


• • 


6 




•• 


•• 


• • 




• • 


•• 


7 
8 

9 






, , 


50,000 




, , 


• • 
11,690 

2.677,713 


2,655,667 


3,996,933 


3,402,516 


2,371,068 


.. 


.. 


zo 


64,123 


48,286 


32,U2 


42,241 


21,343 


32,453 


28,948 


zz 

Z2 

13 


398 




. . 


4.554 




ii.5«8 


. . 


2,393 


26,006 
4,071,225 


3,907 

3,438,535 


4,339 
2,422,202 


.. 


378 
3,480,677 


4,390 
2,7x1,052 


14 


2,722,581 


4,527,779 


X5 


1,597,091* 


596,864 


422,872 


531.968 


1,654.974 


1,581,761 


1,245,488 


16 


7,261 


10,893 


175,361 


76.403 




.. 


• • 


X7 


100,686 


169,755 


155,115 


73,433 


187,519 


105,895 


253,424 


z8 




88.515 




.. 


91,837 


83,523 


.. 


19 


27,100 


602,762 


362,834 


360,459 


385,346 


161,827 


2,959 


20 


10,547 


40,327 




9,988 


.. 


79,733 


.. 


2Z 


151,934 


809,711 


1,117,725 


843,595 


357,810 


395,398 


332.706 


22 


123,426 


419,658 


200,346 


102,046 


588,463 


496,221 


.. 


23 


104,313 


178,894 


218,680 


81,673 


71,00c 


31,094 


49,196 


24 


1,742 


596,686 


377,645 


102,327 


1,084,183 


9,931 


791,901 


25 


216,983 
93,654 


189,089 
150,3" 


43,125 
263.986 


59,904 


31,469 


378,499 


:: } 


26 


187,858 


6,000 


2.924 


64,400 




20,950 


.. 


27 




25,000 


15,061 


20,262 


40,000 


43,000 


.. 


28 


• • 


92,047 
3,976,512 


10,928 
3,366,602 

34.054 


5,595 
2,332,051 




33.006 


.. 


29 


2,622,595 


4,492,601 


3,420,838 


2.675,674 
201 


30 


10,935 


19,969 


18,398 


.. 




31 


20,705 
27,818 


•in 

40,026 
7,367 


5,123 
31,989 


17,085 

1,603 

23,848 

27,370 


17,309 
8,685 

9ii84 


39,460 
9,327 

11,052 


2,796| 

28,154 s 

3,726 


32 

33 
34 


7,688 




28 


1,849 
90,151 




• • 


501 
35.378 


35 


99,986 


94,713 


71,933 


35.178 


59,839 


36 


2,722,581 


4,071,225 


3,438,535 


2,422,206 


4.527.779 


3,480,677 


2,711,052 


37 



















EagU,^* Mortgages on Freeholds, ;f544,746 ; Life Interests, £659,926 ; Reversionary InteresU, ;Cxo4 
Miscdlaneous Personalty, ;65o*o5o ; Honse Property, ^ 944, 740— Total, Az,597,o9z« 



86 



BALANCE SHEET— Liabilities and Assets. 



I 


Title 

Date of Establishment 

Date to which Returns are made 
«P 

LIABILITIES. 


General. 


Gresham. 


Guardian. 


2 


1837. 


1848. 


1821. 


3 


31 Dec., 
1898. 


31 Dec, 
1898. 


31 December, il 


598. 










IFirt 


Capital, dx.\ 


4 
5 


C^P^^ifnte^dt Bonus::; 
Life and Annuity Fund 


50,000 
i,66V,7o6 


22,378 
5,443,525 


2,928,999 


•• 


1,000,000 


6 


Annuity Fund {^^^ '^fw^ ^''^) 


•. 


1,441,908 


•• 


•• 


•• 


7 


Fire Insurance Fund 


2,156 


• • 


.. 


533.800 


•• 


8 


Profit and Loss Account 


19,991 


.. 


. • 


41,128 


107,700 


9 


Investment Reserve & other Funds 

Total Fmidi 
Other LlabllltiM. 
Life Claims admitted, not paid ... 


5o»ooo 


70,000 


30,000 


.. 


-. 


zo 
zz 


1,789,853 
17,136 


6,977,811 
47,550 


2,958,999 
109,767 


574,928 


1,107,700 


Z2 


Fire Claims do. do. 


.. 


.. 


.. 


16,450 


• « 


13 


Outstanding Dividends 


4,618 


• • 


.. 


.. 


2,836 


M 


Other Outstanding Liabilities ... 
Total LiabUities 

ASSETS. 


3,805 


8,036 


3,606 


32,200 


755 


15 


1,815,412 


7,<^397 


3,073,372 


623,578 


1,Z11,29I 










4,807,241 




z6 


Mortgages in United Kingdom ... 


228,018 


253,362 


1,202,290 




289,467 


17 
i8 

19 


Do. out of do. 
Loans on Company's Policies . . . 
British Government Securities ... 


f 89,189 
I 1,575 


61,483 

r 526,145 

I 17,040 

50,000 


43,534 
66,564 


12,500 
48,342 


•• 


20 


Indian and Colonial do 


79,491 


15,5" 


379,673 


154,636 


240,280 


2Z 


Foreign Government do 


87,972 


1,302,628 


20,798 


67,981 


53,812 


22 


Rail, and other Debentures, &c... 


141,047 


2,785,692 


383,565 


191,137 


198,746 


23 


Do. do. Shares 


460,360 


449,842 


261,238 


24,550 


46,392 


24 


House and Landed Property 


177,114 


684,030 


8,318 


192 


179,536 


25 


Public Rates, Rent Charges, &c... 


250,030 


35,334 


158,444 


•• 


44,996 


26 


( Life Ints. & Reversions purchased 
( Loans on do. 


37,105 
109,521 


441,992 


29,223 
379,577 


. . 


• • 


27 


Loans on Personal Security 


42,036 


39,487 


2,345 


.. 




28 


Cash on Deposit 


20,000 


17,000 


42,500 


10,200 


5,000 


29 


Other Loans and Investments ... 
Total Interoat-boaxing AiMti 

Branch Offices* & Agents' Balances 


2,240 


.. 


.. 


.. 


41, 128 


30 


1,725,698 


6,679,546 


2,978,069 


509,538 


1,090,357 


31 


41,788 


68,320 


25,650 


63,534 


• • 


32 
33 

34 


Outstanding Premiums 

Interest! 9"*^^"!,^^'^^? f^ - 
\ Accrued, not due 

Cash in hand, &c 


6.759 
22,922 

18^245 


113,126 
87,246 

76,148 


6,881 
37,144 

16,820 


.0.507 

5,602 
34,124 


9,930 

453 
1,551 


35 


Other Assets 

Total Kon-Intereat-bearing Aagets 

Total Gross Assets 




9,011 


7,808 


175 




36 


89,714 


353,851 


94,303 


114,040 


",934 


37 


z,8z5,4i2 


7,033,397 


3» 072,372 


623,578 


1,IIZ,29I 








4,807,24Z 










Digitized by V 


jUU^i 







BALANCE SHEET— 


■Liabilities and Assets 


. 


87 


Hand-in- 
Hand. 


ImperiaL 


Lancashire. 


Law Life. 


Law Union 

and 

Crown. 


Legal and 
GeneraL 


Life Assoc 

of 
Scotland. 


I 


1836. 


1820. 


1852. 


1823. 


1825. 


1836. 


1838. 


2 


31 I>ec., 
1898. 


31 Jan., 
1899. 


31 Dec, 
1898. 


31 December, 1898. 


31 Dec., 
1898. 


1898. 


30 April, 
1899. 


3 


Mutual 
F&Li, 5x2,457* 

i,3a3i3S4t 


150,000 

47,672 

2,332,504 


272,986 
1,078,086 


100,000 

900,000 

3,926,157 


373,360 
3,713,202 


160,000 

28,064 

3,215,254 


87,500 
4.948,148 


4 
5 
6 


SttadaverSa. 


.. 


318,000 


.. 


155.000 


• • 


.. 


7 


• • 






42,107* 


29,901 




.. 


8 


• • 


1,425 


18,090 




4,781 


6,001 




9 


2,835,811 


2,531,601 


1,687,162 


4,968,264 


4,276,244 


3,409,319 


5.035.648 


zo 


58,069 


59,002 


23,202 




53,210 


47,077 


71,388 


zz 


11,211 


.. 


83,242 




12,309 


• • 


.. 


12 


• • 


• • 


10,556 




1,784 


1,132 




13 


37,953 


6,363 


1,829 




. 


6,653 


959 


328 


14 


2,943.044 


2,596,966 


1,805,991 


&<»4,36i 


4,350,20a 


3,458,487 


5>io7,364 


15 


704,222 


430,869 


258,713 


{GuaranUM 
Fund.} 

435,524 


[jissuruKce 
Fund.} 

698,917 


1,450,742 


2,186,964 


1,119,606 


16 


J 107,206 
\ 20,230 


118,202 


19,571 


.. 


97,428 


258,969 




48,925 


17 


• 95,612 


41,148 


.. 


103,942 


123,294 


32,877 


320,688 


18 




.. 


36,730 


.. 


•. 


.. 


45.533 


• . 


X9 


265,537 


264,068 


69,502 


65,992 


141,032 


132,428 


119,531 


1,017,066 


20 


88,307 


62,668 


154,123 


.. 


11,840 


186,056 


29,139 


18,088 


21 


393,806 


568,184 


444,187 


31,687 


757,489 


592,516 


190,929 


813,803 


22 


702,015 


2x4,613 


150,357 


64,345 


■760,394 


570,109 


121,869 


897,479 


23 


. 32,633 

\ 150,275 

39,528 


- 178,785 


252,098 


.. 


15,400 


352,528 


89,491 


97.358 


24 


165,478 


70,655 


.. 


513,835 


201,713 


18,045 


200,074 


25 


219,822 
157,765 


71,255 
297,784 


, , 


35,227 
367.224 


320,093 
513,692 


239,382 


507,425 


261,438 


26 


• ■ 


r '^'^§ 






30,613 




11,920 


700 


27 


5,000 


/ 19,688 
\ 9,444* 


- 60,770 




15,000 


6,005 


40,000 


66,512 


28 


• • 


387 


.. 


.. 


.. 


68,057 


.. 


47.053 


29 


2,886,346 


2,516,122 


1,557,854 


1,000,000 


3,979.675 


4,181,799 


3,393,723 


4,908,790 


30 


7,943 


9,992 


190,821 


.. 




81,218 




.. 


31 


5,272 
17,663 
7,367 
16,366 


29,390 

5,667 

18,847 

13*768 


1,829 
14,836 

40,651 


3,975 


12,561 
3,416 

24,734 


13,366 
50,917 

22,902 


25,320 
14,672 

24,771 


93.469 
6,3051 
54.403/ 
44,287 


32 
33 

34 


2,086 


3,180 












no 


35 


56,698 


80,844 


248,137 


3,975 


40,711 


168,403 


64,763 


198,574 


36 


2,943,044 


2,596,966 


1,805,991 


i003,975 


4,020,386 


4,350,202 


3,458,486 j 5,107,364 


37 








5,024,361 


1 



Hamdin I/aMd,—*GeaeTa\ Accumulated Fund, Fire and Life, t Life Assurance Fund. 

/M^^tfTM/.— *Deposiu for Fixed Periods. 

£un» ^«^.—* Accumulated Dividends ;C24i393 : General Fund £t7t7^4' 



OglF- 



88 



BALANCE SHEET— Liabilities And Assets. 



I 


Tide 

Date of Establishment 

Date to which Returns are made 
ttP 

LIABILITIES. 


Liverpool t 
andC 

1836. 1 
31 Decern 


ind London 
Kobe. 


London 

and 

Lancashire. 


London & 
Manchester 
Industrial. 


London 
Assurance 
Corporation 


2 


1806. 


1862. 


1869. 


1720. 


3 


ber, X898. 


31 Dec, 
X898. 


25 March, 
1899. 


31 Dec, 
1898. 




[General 
Account.} 


[Gloh*Fund.\ 








4 


Capital |?*^'^"P'/!!'^«- •" 
*^ I Increased by Bonus ... 

Life and Annuity Fund 


245,640 


" 


20,000 
10, 198 


6,652 


448,275 


5 


3,512,806 


167,345 


1,276,250 


156,304 


2,147,480 


6 


Annuity Fund (^^^ Sffe^pST '^") 


1,536,109 


4,450 




, , 


, , 


7 
8 


Fire Insurance Fund 

Profit and Loss Account 


j 1,300,000 
1 740,000 
1,221,312 


•• 


•• 


•• 


675,052 
133,027 


9 


Investment Reserve & other Funds 

Total Fnadi 
Other LiabilitiM. 


279,579 






7.591 


491,310 


10 


8,835,446 


171,795 


1,306,448 


170,547 


3,895,144 


zz 


Life Claims admitted, not paid ... 


71,593 


8,428 


15,897 




55,664 


Z2 


Fire Claims do. do. 


i35»o25 




.. 




35,024 


13 


Outstanding Dividends 


4,444 




1,750 




19,085 


M 


Other Outstanding Liabilities ... 
Total LiabUitieB 

ASSETS. 

Mortgages in United Kingdom ... 


1,150,192 




.. 


967 


31.518 


IS 


io,z96,7oz 


Z80,223 

6,924 
36,000 


1,324,095 


171,514 


4,036,435 


z6 


10,37 
307,212 


23,742 


24,480 


707,004 


17 


Do. out of do. 


1,115,142 




138,151 




2,600 


z8 


Loans on Company's Policies 


141,532 




124,107 




52,63s 


3t9 


British Gdvemment Securities ... 


119,452 


•• 


4,085 


3,031 


202,909 


ao 


Indian and Colonial do 


527,361 


.. 


139,877 


48,841 


20,000 


2Z 


Foreign Government do 


716,320 


.. 


26,784 




252,622 


22 


Rail, and other Debentures, &c.... 


2,651,907 




508,839 


900 


900,237 


23 


Do. do. Shares 


1,795,490 




152,793 


2,000 


583,741 


24 


House and Landed Property 


1,050,334 


108,948 


53,743 


1,180 


.. 


25 


Public Rates, Rent Charges, &c... 


240,700 




25,340 


67,417 


781,565 


26 


( Life Ints. & Reversions purchased 
( Loans on do. 


452,310 
154,685 


35,275 


12,150 


•• 


55,960 


27 


Loans on Personal Security 






5,422 


597 


• • 


28 


Cash on Deposit 


178,309 




8,556 


5,000 


71,000 


29 


Other Loans and Investments ... 
Branch Offices' & Agents' Balances 


31,079 


.. 


.. 




117,835 


30 


9,481,833 


180,223 


1,223,589 


153,446 


3,748,108 


31 


122,961 


, , 


19,363 


446 


154,197 


32 
33 
34 


Outstanding Premiums 

Interest / Outstanding, and ... 
Interest-^ Accrued, not due ... 
Cash in hand, &c. 


198,974 

27,031 
315,902 




41,322 

982 

11,520 

21,616 


7,695 

1, 602 

. ^'596 


45,979 
2,373 

67,094 


35 


Other Assets 

Total K on-Iatereat-Bearing Aaaeti 

Total Gross Assets 






5,703 


i 786 
( 943 


18,686 


36 


714,868 


Nil 


100,506 


18,068 


288,329 


37 


zo,z96,7oi 


z8o,2?3 


1,324,095 


171,514 


4,036,435 




io,37< 


5,924 









Digitized by 



L^oo^ie 





BALANCE SHEET- 


•Liabilities and Assets 


• 


89 


London, 
Ekiinburgh 
& Glasgow. 


London 
Life Asso- 
ciation. 


Marine and 
General 
Mutual. 


Methodbtft 

Geoeral 

(Salvation 

Army). 


Metro- 
politan. 


Mutual of 
Australasia. 


National 
Mutual 


National 

Mutual of 

Australasia. 


X 


i88i. 


1806. 


1852. 


1867. 


1835. 


1869. 

31 Dec, 

1898. 


1830. 

31 Dec., 

1898. 


1869. 


2 


31 Dec, 
1898. 


31 Dec., 
1898. 


31 Dec, 
1898. 


1898. 


31 Dec, 
1898. 


3 


263,160 


Mutual 


Mutual 


37,456 


Mutual 


.. 


Mutual 


:: 1 

2,765,571 


4 


219,869 


4,439,505 


941,838 




2,038,008 




2,584,078 


5 


.. 




.. 


.. 


.. 


1,257,604 




.. 


6 


•• 


•• 


•• 


•• 


•■ 


•• 


•• 


•• 


7 
8 

9 


99,751 


99,121 


, , 


1,128 


17,500 


, , 


16,350 


90.950 


582,780 


4,538,626 


941,838 


38,584 


2,055,508 


1,257,604 


2,600,428 


2,856,521 


xo 


2,005 


36,100 


2,728 


•• 


1,700 


9,615 


37,857 


32,964 


XX 

T9 






513 


• . 




, , 




,, 


13 


5,768 


8,004 


761 


537 


949 


50 


7,007 


5,872 


14 


590,553 


4,582,730 


94&840 


39,X2X 


2,058,157 


1,267,269 


2,645,292 


2,89&357 


15 


8,045 


1,460^180 


81,858 


18,350 


183,986 




746,730 




x6 


3,403 


7,625 




.. 


.. 


645,914 




• • 


17 


. 


456,479 


25,645 


303 


217,323 


135,467 


150,447 


475,736 


x8 


28,279 


.. 


4,833 


.. 


.. 


20,205 


29,910 


28,336 


19 


12,191 


524,7x8 


71,728 


.. 


254,993 


41,000 


332,789 


.. 


20 




20,300 


21,205 


4,696 


187,853 




.. 


.. 


2X 


50,099 


3x0,115 


298,440 


.. 


206,995 


81,685 


68,345 




22 


.. 


368,308 


360,522 


1,180 


87,712 




438,368 


.. 


23 


11,265 


55,926 


.. 


1,500 


43,196 


243,200 
71,700* 


274,524 


538,319 


24 


56,863 


1,242,307 


-. 


.. 


764,764 




238,221 


.. 


25 


1,944 


43,890 


19,988 


:: 


46;58o 


•• 


264,922 


13,206 j 
64,348} 


26 


4,297 


1,500 


7,878 


.. 




.. 


8,139 


.. 


27 


6,058 


20,000 
4,500 


22,000 


•• 


19,000 




• • 
28,096 


176,358 
1,472,688 


28 
29 


182,444 


4,515,848 


914,094 


26,029 


2,012,402 


1,239,171 


2,580,491 


2,768,991 
1,500 


30 


23,650 




12,452 


3,045 




• . 


1,129 


31 


1,162^ 

1,265 , 
9,766 


4,376 
9,085 


7,412 
5,763 

6,119 


4,578 
50 

'3^365 


2,081 
23,961 
17,756 


"302 

9,322 

14,331 


21,000 

12,195 

23,013 

6,929 


70,045 
3,0321 
17,145/ 
30,631 


32 

33 

34 


372,265 




.. 


2,054 


1,084 


4,143 


535 


4,013 


35 


408,109 


66,882 


31,746 


13,092 


45,754 


28,098 


64,801 


126,366 


36 


590,553 4,582,730 


945,840 


39, wi 


2,058,157 


1,267,269 


2,64S292 


2,89&357 


37 

















Mutual of Australasia. — Properties acquired by foreclosures, ;C7«i7<?5!iOOQIC 



90 


BALANCE SHEET— Liabilities and Assets. 




z 


Tide 

Date of Establishment 

Date to which Returns are made | 
up $ 

LIABILITIES. 


Nadonal 
t^rovident. 


National (of Ireland). 


2 


1835. 


1822. 


3 


20 Nov., 
1898. 


31 December, 1898. 








[OnaiBrilam 
ITkIimI. 1S44.] 


[X^tbL AtmtuUp UHMh WHwi ' 


4 
S 


Capitol 1 Paid up, and 

v^apiiai ^ Increased by Bonus ... 
Life and Annuity Fund 


S,26i5i584 


100,000 

io6*.945 


Mutual 
87^549 


31,158 


:: 1 

13,598 


6 


Annuity Fund ("*>« tgpST **") 


. • 


12,419 


.. 


.. 


.. 


7 




.. 


> . 




.. 


• . 


8 


Profit and Loss Account 


• ■ 


8,989 


.. 


.. 




9 


Investment Reserve & other Funds 

Total Fnads 
Other Liabilities. 


84.22a 


95,294 


.. 


.. 


-. 


zo 


5.350.806 


323,647 


87.549 


31,158 


13,598 


zz 


Life Claims admitted, not paid ... 


31,550 


651 


5.915 


.. 


.. 


za 


Fire Claims do. do. 


.. 


66,417 


.. 


.. 


• . 


13 


Outstanding Dividends 


• • 


2,091 


.. 


.• 


.. 


14 


Other Outstanding Liabilities ... 
Total LiabiUUes 

ASSETS. 

Mortgages in United Kingdom ... 


10,774 


10,909 


808 


775 


434 


15 


S393.I30 


403,715 


94,272 


31,933 


14,032 


z6 


2,521,720 


121,574 


543 


.952 




17 


Do. out of do. 


, , 


• • 


•• 


,. 


. . 


z8 


Loans on Compan/s Policies 


380.74s 


3,452 


8,740 


• . 




19 


British Government Securities ... 


, , 


, . 


, , 


, , 


• • 


ao 


Indian and Colonial do. 


798,497 


22,514 


19,584 


3,448 




2Z 


Foreign Government do. 


40,212 


• . 


6,3" 


• • 




22 


Rail, and other Debentures, &c.... 


81,566 


57,260 


19,764 


.. 


14,004 


23 


Do. do. Shares 


. . 


50,156 


28,822 


28,485 


• • 


24 


House and Landed Property 


475,879 


36,011 


7,200 


• . 


.. 


25 


Public Rates, Rent Charges, &c... 


889,184 


.. 


, , 


• • 




26 


Life Ints. & Reversions purchased 
Loans on do. 


56,308 


• • 


• . 


•• 


• • 


27 


Loans on Personal Security 




• • 


246 


• • 


• • 


28 


Cash on Deposit 


40,000 


• • 


• • 


.. 


• • 


29 


Other Loans and Investments . . . 
Branch Offices' & Agents' Balances 


2,708 


lOO 


• • 


• . 


• . 


30 


5,286,819 


291,067 


90,667 


31.933 


14,004 


31 


3.742 


102,474 


. . 


• • 


• . 


32 
33 
34 


Outstanding Premiums 

T«f«^«cf / Outstanding, and 
^''**"'U Accrued, nSt due ... 
Cash in hand, &c. 


39,946 

5,527 

40,596 

16,447 


983 
4,241 

2,933 


891 
1,003 

V,7I2 


• • 

• • 


2& 

• • 

• • 


35 


Other Assets 

Total jron-XatttosUbaariaff AmoU 

Total Grof f Aueta 


53 


2,017 


.. 


.. 


• . 


36 


106,311 


112,648 


3,606 


•• 


.. 


37 


5,393.130 


_ 403.715 


94.272 


31.933 


I4.<^ 








543. 


952 





Digitized by V^jOOQ iC 



BALANCE SHEET— Liabilities and Assets. 



91 



North British and Mercantile. 



1809 {Fire) and 1823 {Life), 



31 


December, 1898. 


[Fire 
687,500 


{Life 
Departments 


[Aimmty 
BruMcA.] 


•• 


7,828,248 


2,678,762 


2,119,703 


, , 


• • 


645,756 






78,203 






3,531,162 


7,828,248 


2,678,762 


.. 


143,674 


• . 


117,833 






5,280 


• • 




145,912 


45,9" 


15,284 


3,800,187 


8,017,833 


3,694,046 



63,844 



550,000 

570,663 

1,324,286 

121,938 

99,975 

483,936 

14,800 



34,000 
42,500 



3,305,942 



256,890 
66,089 
",793 

152,813 
6,660 

494,245 

3 l^8oo,i87 



14,512,066 



2,023,633 


473.444 


885,157 




328,987 


•• 


1,149,186 


• ■ 
230,080 


770,886 


375,387 


775,518 


379,340 


77.401 


68,279 


25,571 


.. 


241,032 


190,315 


16,235 
706,122 


189,126 
662,576 


387.467 


.. 


39,338 


33,000 


212,657 


50,000 


7,639,190 


2,651,548 


80,009 


.. 


109,555 
99,659 


36,808 


89,420 


5,593 


.. 


97 


378,643 


42,498 


8,0x7,833 


2,694,046 



14,512,066 



Norwich 
Union. 



1808. 



31 Dec, 
1898. 



Mutual 

3,268*191 
376,186 



i>3'3 

3.645.690 

84,947 



22,145 
3.75^,782 

857.728 
205,847 
t34,964. 
30,457 
280,272 

138,389 
407,685 

134,748} 
2x2,704 

1 10,640 

241,787 
343,262 
446,826 

36,906 

16,769 

4,186 



3,603,171 



41,525 

25,798 
25,528 

56^760 



149,611 



3,752,782 



Patriotic. 



1824. 



31 Dec., 
1898. 



"8,935 
179UX7 

54.000 

6.525 
10,819 



369,696 

2,076 

25,755 

550 

2,455 



400,532 



"9,905 

8,792 

7,198 

15,502 

19,845 
46,033 
85,116 

6,730 
4,926 
1.363 

791 
24,302 



340,503 



37,057 

4,794 

2,402 

2,960 

12,773 

43 



60,029 



400,532 



PearL 



1864. 

31 Dec, 

1898. 



20,454 1 
813,108 



107 



833,669 



160 



833,829 



147,814 

4.712 

288,301 
77.683 
14,702 
25,830 
98,203 
92,205 

:: } 

222 

9,400 



759,072 



2,035 
38,029 

4,675| 
24,272 
5,746 



74,757 



833,829 



t3UD^ 



Nortk€rM.-'*M.OTtg»ges foreclosed. 



Digitized by 



92 



BALANCE SHEET— Liabilities and Assets. 



I 


Title 

Date of Establishment . . . 
Date to which Returns are made 
up 

LIABILITIES. 


1 PeUcan. 


Pioneer. 


Provident. 


Provident 
Clerks. 


Provident 

Free 

Home. 


2 


1797. 


1891. 


1806. 


1840. 


1889. 


3 


1898. 


31 Mar., 
1899. 


31 Dec, 
1898. 


31 Dec 
1898. 


31 Dec, 
1897. 














4 
5 
6 

7 


Canital / ^*^*^ "P' ^^^ '" 
uapuai ^ Increased bv Bonus 

Life and Annuity Fund ... 
Annuity Fund ('^« SK fIS? ^' 
Fire Insurance Fund 


100,000 
.. 1,220,517 


41,724 
3,882 


47,553 

3,276 

3,170,081 


Mutual 
1,945,647 


25.000 

331,774 

• • 


8 


Profit and Loss Account ... 


.. 








• . 


9 


Investment Reserve & other Fun 

Total Fua 
Other LiabllltlM. 
Life Claims admitted, not paid 


ds 103,229 






10,000 




10 

II 


da 1,433,746 
26,280 


45.606 


3,220,910 
65.516 


1.955,647 
16.845 


356,774 
100 


12 


Fire Claims do. do. 


.. 










13 


Outstanding Dividends ... 


.. 




270 




• • 


14 


Other Outstanding Liabilities 

Total LiabiUti 
ASSETS. 


1,425 


4,408 


5,918 


3,362 




IS 


B« x»45i,45x 


50,0x4 


3.292,6x4 


1,975.854 


356,874 














i6 
17 


Mortgages in United Kingdom 
Do. out of do. 


139,534 


6,712 


1,104,839 


577,827 


73.245 


x8 


Loans on Company's Policies 


38,625 




308,355 


161,749 


, , 


19 


British Government Securities . 


.. 


. . 


22,109 


21,300 


13.678 


20 


Indian and Colonial do. 


47,560 


16,38s 


156,109 


206,919 


38,199 


2X 


Foreign Government do. 


.. 58,985 


.. 


32,831 


.. 


48,934 


22 


Rail, and other Debentures, &c. . 


•• 441,947 


2,146 


514,308 


262,187 


22,204 


23 


Do. do. Shares ... 


243,826 


14,783 


712,306 


542,810 


133,684 


24 


House and Landed Property 


36,371 




87,042 


54,354 




25 


Public Rates, Rent Charges, &c 


21,422 




304,555 


16,995 


2,440 


26 


( Life Ints. & Reversions purchast 
( Loans on do. 


;d 25,444 
316,810 


1,002 


•• 


81,804 


•• 


27 


Loans on Personal Security 


20,136 




9,800 






28 


Cash on Deposit , 


20,000 




10,506 


3,000 


20,306 


29 


Other Loans and Investments 

Total Interett-beariiig Am 

Branch Offices* & Agents* Balanc 


5,000 


.. 


.. 


.. 




30 


»ti 1,415,660 


41,028 


3,162,760 


1,928,945 


352.690 


31 


es 8,074 




93 


14,425 


155 


32 
33 
34 


Outstanding Premiums ... 
TntPr*H:f / Outstanding, and 
^""^^'^4 Accrued, not due 
Cash in hand, &c. 


7,793 

1,802 

6,702 

11,420 


60 

"180 
303 


72,608 
50,122 

7,031 


7,844 
22,865 

1,775 


1,788 
631 

1,610 


35 


Other Assets 

Total GroM Asse 


.. 


8,443 
" "8;986 




.. 




36 


tM 35,791 


129,854 


46,909 


4,184 


37 


tl 1,453^,451 


50,0x4 


3.292,6x4 


x.975.854 


356,874 
















Digitized by 



L^oogle 





BALANCE SHEET- 


•Liabilities ane 


\ Assets 


'• 


93 


Prudential. 


Refuge. 


Rock. 


Royal. 


Royal Exchange. 


I 


1848. 


1864. 


1806. 


1845. 


1720. 


a 


31 December, 1898. 


31 December, 1898. 


31 Dec, 
1898. 


1898. 


31 December, 1898. 


3 


BruMcM.} 


[ludustrial 
Branch,^ 


'SISSIT 


{Industrial 
Brmnch.\ 






{Life 
Ace^tmi.} 


[Gtmrml 
Aeamni.} 




17,156,394 


1,000,000 
14,538,953 


795'.7i9 


100,000 
49*5,487 


100,000 

941,379 

2,161,394 


375.702 
5.468,330 


• a 

2,o7V.673 


689,220j 


4 
5 




.. 


• • 


.. 


.. 


362,164 


.. 


379,221 


6 


• • 




.. 




• • 


928,000 




214,879 


7 








.. 




908,944 




689,676 


8 


557 


750,000 




• • 


30,540 


^677,724 




132,128 


9 


17.156,951 


16,288,953 


795,719 


595*487 


3.233,313 


9,720,864 


2,077,673 


2,105,124 


zo 


"5.497 


38,307 


• . 




7,984 


37,636 


76.231 


.. 


IZ 




• . 


• • 






134,727 




38,038 


Z2 






. • 


.. 


742 


7,611 


•• 


24,256 


X3 


• • 






.. 


3,361 


84,623 


639 


112,100 


14 


I7,27a»448 


16,327,260 


79&719 


S9S487 
[,206 


3,245»400 


9,985,461 


2,154,543 


2,279,518 


15 


33,59 


9,708 


1.391 






4.434,061 




2,893,804 


1,250,145 


94,595 


54,110 


1,386,192 


1,786,277 


506,008 


493,968 


z6 










.. 


61,892 


.. 


.• 


17 


690,269 


, , 






. 


70,988 


299,074 


82,786 




z8 


1,368,901 


1,784,682 


.. 




, 


3,490 


255,664 


976 


193,445 


19 


3.300,877 


, . 


28,000 




, 


"8,435 


157,014 


216,488 


86,876 


20 


681,299 


315,395 


32,000 




. 




1,550,482 


92,624 


129,178 


21 


456,299 


1,720,200 


316,035 


40,000 


795,436 


348,151 


306,938 


19,211 


22 


6,111,473 




23,137 




540,251 


2,875,966 


347,688 


719,688 


23 


159,110 


1,775,301 


2,250 


135,096 


118,554 


1,504,457 




208,574 


24 


598,966 


8,985,231 


82,169 


228,161 




316,183 


213,830 


255.378 


25 


575,104 


•• 


•• 


> • 
« • 


33,661 


86,283 


111,272 
171,929 


2,39xi 


26 


50,000 


•• 


153.749 


328 
2,745 


f 16,728 

I 43,000 

22,145 


183,839 


10,500 
25,000 


11,900 
59,500 


27 

28 

29 


16,886,102 


15,830,954 


731,935 


460,440 


3,148,880 


9,425,282 


2,086,039 


2,180,109 


30 


.. 


5,786 


5,181 


6,245 


( 2,967 
[ 21,789 


197,772 


23,233 


J 37.941 
J 37.894 


31 


159,657 
89,672 

137,017 


200,868 
151,572 

138,080 


6,736 
6,0x0 

45i857 


65,662 
3,146 

40,436 
19,560 


X4,i8o 

42,647 
12,862 

2,075 


30,146 
81,996 

250,265 


7,074 
2,374 
19,308 
16,515 


5,648) 
x'7;286 
637 


32 

33 
34 
35 


386,346 


496,306 


63,784 


135,047 


96.520 


560,179 


68,504 


99,409 


36 


17,272,448 


16,327,260 


_ 795,719 
i,39J 


59^487^ 


3,245,400 


9,985,461 


2,154,543 


2,279,518 
i,o6x 


37 


33.59 


9.708 


,206 






4,43^ 


___ 



Digitized by 



Ljoogle 



94 



BALANCE SHEET— Liabilities and Assets. 



z 


Title 

Date of Establishment 

Date to which Returns are made ) 
»iP i 

LIABILITIES. 


Sceptre. 


Scottish 
Accident 


Scottish 
Amicable. 


Scottish 
Equitable. 


Scottish 
Imperial. 


a 


1864. 


1877. 


1826. 


1831. 


1866. 


3 


1S98. 


31 Dec, 
1898. 


1898. 


I March, 
1899. 


31 Dec, 
1898. 














4 
5 


Canital -f Paid up, and 

^.apiiai ^ Increased by Bonus ... 
Life and Annuity Fund 


10,485 
763! 179 


25,000 
5i845 


Mutual 
3,974^605 


Mutual 
4,153! 186 


50,000 
4861631 


6 


Annuity Fund (-^ ^^^SS^ '^) 




• . 


• • 


• ■ 


• • 


7 


Fire Insurance Fund 


• • 


.. 


• • 


.. 


• • 


8 


Profit and Loss Account 




.. 


• • 


• • 


• • 


9 


Investment Reserve & other Funds 

Total funds 
Other Liabilities. 
Life Claims admitted, not paid ... 


.. 


43,353 


.. 


50,000 


",747 


10 
IZ 


773,664 


74,198 
200 


3,974,60s 
51,641 


4,203,186 
76,895 


548,378 
14,173 


12 


Fire Claims do. do. 


• • 


• • 




• • 


.. 


13 


Outstanding Dividends 


123 


55 


• • 


• • 


12 


14 


Other Outstanding Liabilities ... 
Total LiabUities 
ASSETS. 


1,64s 


6,237 


457 


24,658 


.. 


15 


77&432 


8o^«90 


4,026,703 


4,304,739 


562,563 














z6 


Mortgages in United Kingdom ... 


82,228 


2,051 


266,535 


1,735,373 


60,589 


17 


Do. out of do. 


.. 


. ■ 


229,051 


141,206 


• • 


z8 


Loans on Company's Policies 


33.532 




276,505 


220,010 


29,371 


19 


British Government Securities ... 


• . 


8,126 


• . 




• • 


ao 


Indian and Colonial do. 


90,015 




14,021 


364,118 


31,366 


3Z 


Foreign Government da 


7,600 




247,984 

J 262,507 

262,589 


19,499 


• • 


32 


Rail, and other Debentures, &c.... 


69,947 


3,205 


203,159 


• . 


»3 


Do. do. Shares 


16,882 


31,437 


1,836,600 


373,001 


324,119 


»4 


House and Landed Property 


857 


20,295 


. . 


166,985 


4,023 


25 


Public Rates, Rent Charges, &c... 


441,833 


• . 


361,954 


348,496 


94.290 


36 


( Life Ints. & Reversions purchased 
( Loans on do. 


•• 


• ■ 


117,726 
42,347 


303,128 
286,379 


• • 


87 


Loans on Personal Security 


2,390 


* . 


• • 


.. 


.. 


28 


Cash on Deposit 


10,830 


• • 


30,000 


6,766 


6,437 


»9 


O^er Loans and Investments . . . 
Branch Offices' & Agents' Balances 


• . 


.. 


• • 


.. 




30 


755,934 


65,114 


3,947,819 


4,168,120 


540,195 


3X 


5,460 


. • 




53,005 


• , 


32 
33 
34 


Outstanding Premiums 

Interest / Outstanding, and 
^""^^^^^'t Accrued, not due 
Cash in hand, &c. 


7,'649 


10,857 

"380 
4,339 


33,654 
5,897 

2t'883 


45,344 
35,235 

3,035 


11,654 

4^676 
4,296 


35 


Other Assets 

ToUl Non-ZntMreit-beariBf AsMti 

Total Groff Aisets 


2,739 




.. 


.. 


1,742 


36 


19,497 


15,576 


78,884 


136,619 


22,368 


37 


77&43X 


80,690 


4,026,703 


4,304,739 


562,563 















Digitized by 



Ljoogle 





BALANCE SHEET— Liabilities and Assets. 


95 


Scottish 
Life. 


Scottish 
Metro- 
politan. 
1876. 


Scottish 
Provident. 


Scottish 
, Temper- 
ance. 


Scottish 

Union and 

National 

1824. 

1898. 


Scottish 

Widows* 

Fund. 


Sickness, 
Accident 
and Life. 

1885. 
31 De^, 

1898. 


z 


1881. 


X837. 


1883. 


1815. 


2 


31 Dec., 
1898. 


31 Dec, 
1898. 


31 Dec., 
1898. 


31 Dec., 
1898. 


31 Dec, 
1898. 


3 


50,000 
465! 591 


80,000 
38(5] 993 


10,872,258 


25,000 
441^755 


300,000 
3,855,829 


14,420,122 


i6,iool 
12,068 


4 
5 
6 

7 




• • 


• • 


• • 


280,000 


• • 


, . 




.. 


.. 


• • 


78,702 


.. 


..' 


8 


16,253 


6,193 


70,000 


13,509 


235,000 


124,644 


66,720 
94,888 


9 


53i»844 


473,186 


10,942,258 


480,264 


4,749,531 


14,544,766 


zo 


200 


3,156 


75,987 


2,700 


57,564 


258,189 


2,904 


IZ 






• • 




69,996 


• • 


• . 


za 


38 


9 


• • 


50 


2,735 




31 


Z3 


1,720 


2,940 
479,291 


13,288 


2,856 


18,469 
4,898,295 


49,715 


97.823 


14 


533,8o3 


",031,533 


485,870 


14,852,670 


IS 


12,599 


44,386 


2,879,643 


177,750 


583,096 


3,516,067 


600 


z6 


30,959 




2,710,949 


68,054 


507,809 


2,011,016 


• • 


17 


20,468 


15,565 


655,731 


12,748 


126,790 


1,233,994 


• • 


z8 








• • 


6,902 


69,780 


.. 


19 




7,742 


169,465 


.. 


172,508 


804,460 


3,925 


20 


6,106 
123,015 
175.141 


4,245 
111,492 

38,119 


2,083,276 
761,778 


2,000 
66,903 
90,271 


/ 536,528 
I 435,879 


199.636 
2,084,639 
2,547,292 


/ 29,119 

I 24,775 

11,144 


2Z 
22 
23 


34,311 


17,936 


285,819 




138,876 


282,269 


3,380 


24 


8,140 


3, "2 


928,501 


887 


90,466 


1,376,958 


4,510 


25 


21,798 
57,591 


52,203 
114,687 


51,979 


1,142 
500 


29,958 
* • 


2,450 
12,600 


•• { 


26 


357 


10,194 


24,457 


7,017 


250 


.. 


345 


27 


9,756 


10,500 


118,758 


18,464 


.. 


38,056 


6,000 


28 


".055 




50,769 




53,256 
4,580,854 


105,256 
14,284,474 


6,726 
90,524 


29 


511,296 


430,181 


10,721,125 


455,736 


30 


6,165 


127 


19,371 


99,403 


12,734 


31 


5,285 

4,206 
5,927 


23,678 

488 

3,122 

17,629 


108,694 
17,425 
97,7" 
82,232 


2,400 

3,671 
13,902 


43,529 

49i7i8 
124,791 


288,262 
21,798 

152,430 
90,392 


3,356 

"808 1 
2,644 


32 

33 
34 


924 


4,066 
49,110 


4,346 


790 


.. 


2,580 

568,196 

14,852,670 


491 
7,299 


35 


22,507 


310,408 


40,134 


317,441 


36 


533,8P3 


479»29X 


",031,533 


48S870 


4,898,295 


97»823 . 


37 



















Digitized by 



Lioogle 



96 



BALANCE sheet—Liabilities and Assets. 



X 


Tide 

Date of Establishment 

up $ 

LIABILITIES. 


Standard. 


Star. 


Son. 


Sun of 
Canada. 


2 


1825. 


1843. 


1810. 


1872. 


3 


15 Nov., 
1898. 


31 Dec., 
1898. 


31 December, 1898. 


31 Dec, 
1898. 








[Asturtuicg 
Pund.\ 


^'^sr' 






Canital / P"d up, and 

Capital ^ Increased by Bonus ... 
Life and Annuity Fund 


120,000 
8,781,270 


5,000 
4,679,168 


3,529^671 


360,000 


21,575 
1,572,831 




Annuity Fund (-»»- ^^^-^ *«») 


.. 


.. 


240,684 




62,123 




Fire Insurance Fund 


.. 




. • 




• • 




Profit and Loss Account 






.. 








Investment Reserve & other Funds 

Total Fnndft 
Other Liabilities. 


88,455 


.. 


59,787 


53,362 


23 


xo 


8,989,725 


4,684.168 


3,830,142 


413,362 


1,656,552 


XX 


Life Claims admitted, not paid ... 


167,629 


51,543 


50,610 


•• 


16,379 


X2 


Fire Claims do. do. 


• a 


• . 


.. 


.. 




X3 


Outstanding Dividends 


9,112 




. . 


.. 


1,618 


M 


Other Outstanding Liabilities 

Total LiabiUtiei 
ASSETS. 


14,084 


.. 


27,245 


•• 


1,090 


X5 


9,180,551 


4,735,7" 


3,907,997 


4x3,362 


1,^5,639 








4,32x,359 




x6 


Mortgages in United Kingdom ... 


2,554,432 


306,164 


749,223 


50,352 


.. 


X7 


Do. out of do. 


3,219.728 


323,158 


25,000 


•• 


812,075 


x8 


Loans on Company's Policies 


442,701 


296,783 


123,685 


•. 


138,558 


19 


British Government Securities ... 


88,702 


18,745 


.. 


.. 




20 


Indian and Colonial do. 


181,048 


1,063,306 


70,323 


.. 


. 


2X 


Foreign Government do. 


155,904 


39,404 


128,805 


2,618 


7,799 


22 


Rail, and other Debentures, &c.... 


762,014 


43,924 


1,412,102 


227,139 


268,725 


23 


Do. do. Shares 


469,561 


1,433,813 


562,615 


33,913 


126,604 


24 


House and Landed Property 


669,012 


213,885 


85,032 


34,099 


158,314 


25 


Public Rates, Rent Chaiges, &c... 


165,915 


334,773 


338,437 


40,000 


7,940 


26 


( Life Ints. & Reversions purchased 
( Loans on do. 


124,307 


198,585 


52,256 
135,200 




•• 


27 


Loans on Personal Security 


212,737 


• . 


.. 






28 


Cash on Deposit 


/ 101,522 

L 27,917 


65,650 


43,835 




33,987 


29 


Other Loans and Investments ... 
Total Intereat-beariiig AtMtt 

Branch Offices' & Agents' Balances 




126,809 


•• 




.. 


30 


8,675,590 


4,464,999 


3,726,513 


388,121 


1,554,002 


31 


184,178 


143,903 


46,133 






32 

33 
34 


Outstanding Premiums 

Tnff^r^ct / Outstanding, and 
^""^^^^^U Accrued, not due ... 
Cash in hand, &c. 


116,123 

81,087 

121,454 


56,599 

85,068 

60,018 

5,124 


18,175 
11,484 
43,172 
25,243 


'■387 
4.217 
9,657 


83,958 

12,981 

22,608 

2,090 


35 


Other Assets 

Total Oroii Aisets 


65 




37,277 


10,980 




36 


504,961 


270,712 


181,484 


25,241 


121,637 


37 


9,180,551 


4,735,7" 


5,907,997 


4X3u362^ 
f,3S9 


1,675,639 








4,32 





Digitized by 



L^oogle 



BALANCE SHEET— Liabilities and Assets. 



Union. 


United Kent. 


United 

Kingdom 

Temperance 


Universal. 
1834. 

31 Dec, 189B 

(Hnifland). 

30 Nov., 1898 

(India) 


University. 


1 


Fire, 1714; Life, 1813. 


1824. 


184a 


1825. 


2 


31 December, 1898. 


25 March, 1899. 


31 Dec, 
1898. 


30 April, 
1899. 


3 


VLife 
DepartmeHt\ 


\GeHtral 
Rgserves.'\ 


[Proprietors' 
Guar. FftMd.] 


[Insurmtce 

Fwui.\ 










" 


180,000 


100,000 


•• 


Mutual 


60,000 


29,9001 
1,056,807 


4 


2,245,492 




44,306 


519,810 


6,838,770 


832,139 


5 

6 


:: 


59,997 


:; 


•• 


• • 


•• 


• • 


7 
8 




768,539 
1,008,526 


.. 


3,421 
523,231 


100,000 
6,938,770 


50,045 


• • 


9 


2,245,492 


'44,306 


942,184 


1,086,707 


zo 


42,973 


37,477 


• • 


22,135 


39,605 


19,829 


15,449 


zz 

Z2 


. . 


22,727 


• . 




, , 


2,917 


2,783 


X3 




7,330 
1,076,069 

k534 
220,025 


27 

144,333 

689 

120,580 


5 
545,371 

,704 

301,201 


24,978 
7,003.353 


982 
965,9X2 


476 
i,ioS4i5 


X4 


2,288,465 


15 


3,36^ 

837,526 


921,877 


220,736 


431,664 


z6 


6,750 


28,923 


.. 


.. 






4,528 


X7 


85,302 


•• 


•• 


24,052 


567,647 
49,402 


39,377 


28,209 


z8 


1,130 


.. 










.. 


19 


188,852 


39,688 


.. 


28,611 


126,742 


174,897 




20 


217,283 


135,806 








80,499 


9,000 


21 


303,307 


104,639 


5,436 


146,539 


993,317 • 


45,612 


153,556 


22 


370,732 


108,169 


.. 


• • 


1,001,508 


90,359 


390,156 


23 


48,472 


141,966 






560,837 


19,722 


25,017 


24 


• • 


91,700 


7,990 


35,860 


2,579,688 


258,569 




25 


15,896 






•• 


40,417 
69,400 


4,000 


4,722\ 


26 


.. 


331 


.. 


.. 




, , 


30,319 


27 


31,888 


895 


4,000 


.. 




, . 


8,000 


28 


54,500 


13,500 
885,630 

133,160 


.. 


• • 


2,500 
6,913,336 


2,180 


1,085,172 


29 


2,161,638 


138,006 


536,263 
150 


935,951 
1,059 


30 


60,761 


2,837 


31 


9,505 

6,432 

21,611 

28,518 


9,784 
2,273 

7,714 
28,557 


1,400 
4,927 


5,272 
3,686 


6*6,064 
19,483 


2,850 

14,052 
11,522 


4,969 

6,i82j 
9,092 


32 
33 
34 




8,442 
190,430 


.. 




1,633 
90,017 

7,003,353 


478 
29,961 

965^912 


20,243 


35 


126,827 


6,327 


9,108 


36 


2^288,465 


1,076,069 


^144,333 
68^ 


545,37? 
>>04 


1,105,4x5 


37 


3.^ 


.534 




■ Diyiiiz^dby^ 


ee§T 


— 



H 



98 



BALANCE SHEET— Liabilities and Assets. 



z 


TiUe 1 

Date of Establishment 

Date to which Returns are made \ 
ttp J 

LIABILITIES. 


Victoria 
Mutual. 


Weslevan 

and 
General. 


West- 
minster and 
General. 


Yorkshire. 


Yorkshire 
Provident. 


^ 


i860. 


1841. 


1836. 


1824. 


1870. 


3 


1898. 


1898. 


31 Dec, 
1898. 


28 Feb., 
1899. 


1898. 












4 
5 


r'-^u-i /Paid up, and 

C'P^^'ilncreakd by Bonus ... 
Life and Annuity Fund 


Mutual 
92ii55 


Mutual. 
363,524 


34,550 

. J'385 
608,013 


50,000 
86iii27 


14,458 


6 


Annuity Fund C***" ffi^SST ^~") 


• . 


10,232 


.. 


.. 


.. 


7 


Fire Insurance Fund 


.. 


.. 


• . 


240,000 


.. 


8 


Profit and Loss Account 




.. 




25,916 




9 


Investment Reserve & other Funds 

Total Funds 
Other Liabilities. 
Life Claims admitted not paid ... 


3,612 


74,382 


6,925 


1,119 


.. 


zo 
zz 


95,767 


448,138 


650,873 
3,671 


1,178,162 
11,872 


14,458 


12 


Fire Claims do. do. 


• , 


,, 


, , 


10,687 


.. 


X3 


Outstanding Dividends 


, , 


• • 


223 


389 




14 


Other Outstanding Liabilities . . . 
Total liabUitiei 
ASSETS. 


.. 


1,908 


4,772 


2,534 


42 


15 


9S7^ 


450,046 


659,539 


z,2Q3,644 


14,500 














z6 


Mortgages in United Kingdom ... 


3,750 


320,804 


8,800 


446,214 


.. 


17 


Do. out of do. 


, ^ 


, , 


, , 


, ^ 


. . 


z8 


Loans on Company*s Policies . . . 


3,383 


15,188 


26,774 


24,353 




19 


British Government Securities . . . 


• • 


, , 


4,704 


, , 




ao 


Indian and Colonial do 


, , 


, , 


52,101 


66,696 


.. 


2Z 


Foreign Government do 


13,559 


, , 


, , 


34,704 




22 


Rail, and other Debentures,. &c. . . . 


37,976 


, , 


264,172 


178,308 


• • 


23 
24 
25 
26 

27 


Do. do. Shares 

House and Landed Property 

Public Rates, RentChaiges,&c.... 

j Life Ints. & Reversions purchased 
( Loans on do. 

Loans on Personal Security 


2,236 
30,731 


31,288 
17,929 


217,527 

6,847 

300 

43,850 
2,163 


131,137 
70,382 

115,267 
30,137 


1,460 
632 


28 
29 


Cash on Deposit 

Other Loans and Investments ... 

Total Iiitorest-bMtring AssoU 

Branch Offices* & Agents* Balances 

Outstanding Premiums 

TnfAr^ct ) Outstanding, and 
^"^^^^^^M Accrued, not due ... 
Cash in hand, &c. 

Other Assets 

Total VoB-lBttteit-bearing Assets 

Total Groii Aiieti 


•• 


6,908 
64 


8,000 


45,679 


10,637 


30 


91,635 


392,181 


635,238 


1,142,877 


12,729 

15 

595 

5 

"826 
330 


31 

32 

33 
34 
35 


300 

128 
190 

3,224 
290 


2,389 

39,017 
3,362 
3,367 
9,730 


1,392 

11,648 

7,542 

3,219 
500 


t 31.529 
956 

734 

ioii44 
6,688 


36 


4,132 


57,865 


24,301 


60,767 


1,771 


37 


9S7^ 


450,046 


659,539 


z,2Q3,644 


14.500 










Jigiiizea oy V^j 


eegr— 





BALANCE SHEET.— AMERICAN OFFICES^ 



99 



I Title 1 


Equitable, 
United 


Mutual 
Life, 


New York. 




SUMMATION 


1 ^ 


States. 
1859. 


New York. 






Total 


2 


Date of Establishment 

Date to which Returns are made \ 
"P / 

LIABILITIES. 


1843. 


1845. 
1898. 


reported in 


3 


31 Dec, 
1898. 


31 Dec, 
1898. 


I80G: 












4 


Canital } Paid up, and 

capital Increased by Bonus ... 


20,833 


Mutual 


Mutual 




20,833 


5 


Life and Annuity Fund 


53,425,007 


56,711,425 


44,004,030 




154.140,462 


6 


Annuity Fund C"^*" ^fXT '~'") 










• • 


7 


Fire Insurance Fund 






.. 




• . 


8 


Profit and Loss Account 










• • 


9 


Investment Reserve & other Funds 

Total Fundi 
Other Liabilities. 


• • 


.. 


57,354 




57.354 


10 


53,445,840 


56,711,425 


44,061,384 


154,2x8,649 


II 


life Claims admitted, not paid ... 


358,673 


175,640 


338,876 




873.189 


12 


Fire Claims do. do. 




.. 








13 


Outstanding Dividends 


•• 


•• 


32,828 




32.828 


M 


Other Outstanding Liabilities ... 
Total IdabUitiei 

ASSETS. 


22,424 


109,515 


.. 




X3Z.939 


15 


53.826,937 


56,996,580 


44.433.088 


X5&2S6.605 










» 


i6 


Mortgages in United Kingdom ... 


.. 


.. 


.. 




.. 


17 


Do. out of do. 


7,221,612 


14,066,444 


8,025,259 




29.313.3x5 


i8 


Loans on Company's Policies ... 


455,795 


418,840 


2,721,460 




3.596,095 


19 


British Government Securities ... 




21,800 


, , 




2X,800 


20 


Indian and Colonial do. 






, , 






21 


Foreign Government do. 




629.901 


1,768,798 




2,398,699 


22 


Rail, and other Debentures, &c.... 


30,306,276 


32,398,841 


24,768,334 




87.473.45x 


23 


Do. do. Shares 


1,245,027 




1,245,027 


24 


House and Landed Property 


8,418,820 


4,230,934 


3,403,086 




16,052,840 


25 


Public Rates, Rent Charges, &c. ... 


.. 


1,919,815 






x,9i9.8i5 


'>^ 


(Life Ints. & Reversions purchased 
\ Loans on do. 




, , 


.. 




, . 






.. 








27 


Loans on Personal Security 






, . 




• • 


28 


Cash on Deposit 


4,273,753 


2,384,132 


1,724,301 




8,382.186 


29 


Other Loans and Investments ... 

Total Interett-bearing Aaseti 

Branch Offices' & Agents' Balances 


2,383.025 








2,383.025 


30 


53,059,281 


56,070,707 


43,656,265 


152,786,253 


31 


120,581 


, , 


, , 


120,581 


32 


Outstanding Premiums 

TntArP«t 5 Outstanding, and 
Interest j Accrued, not due ... 


531,058 


476,889 


469,174 




1,477,121 


33 


114,411 


446,796 


35,835 
260,561 




150,246 
707,357 


34 


Cash in hand, &c 


1,606 


2,188 


11,252 




X5.046 


35 


Other Assets 

Total Kon-Interett-boaring AiMts 

Total GroBi Asieti 




925,873 






.. 


36 


767,656 


776,822 


2.470.35X 


37 


53,826,937 


56.996,580 


44.433,087 


155.256.604 










i 










•i(a2^ 


^C 


^^glfiz 



ICX> 



VALUATION EXTRACTS. 

EXPLANATORY REMARKS. 

In addition to the Revenue Account and Balance Sheet which 
all Life Offices are required to render yearly to the Board of 
Trade — a summary of which will be found in the preceding 
pages — it is also requisite to furnish, at stated intervals, an 
Abstract of the Actuarial Report and Valuation, stating, inter 
aliuy (i) the date to which such valuation is made; (2) the 
principles upon which the valuation and distribution of profits 
among the policyholders are made; (3) the table or tables of 
mortality used in the valuation ; (4) the rate or rates of interest 
assumed in the valuation; (5) the proportion of the annual 
premium income, if any, reserved as a provision for future 
expenses and profits. Companies are also required to furnish 
what is termed a Consolidated revenue account since the period 
of the previous valuation, showing, among other items, the amount 
of Life premiums received during the period under survey, and 
the average rate of interest at which the funds have been 
improved ; and, as a result of the valuation, it is requisite that 
the total amount of profit made by the Company since the 
previous investigation should be stated, together with the amount 
divided among the policyholders, and the number and amount 
of the policies which participated. 

The extensive and increasing use which is now being made of 
the Institute of Actuaries' Table of Mortality is well worthy of 
note. Compiled under the auspices and control of the Institute 
of Actuaries of Great Britain, from reliable data furnished by 
twenty of the most extensive of our Life Offices, the observations 
embracing the large number of 160,426 insured lives, this table 
is universally regarded as being as accurate an exponent of the 
value of insured life, for sums oi £\QO and upwards, as any 
which this country, or in fact any other country, has ever produced. 

Digitized by VjOOQ IC 



VALUATION EXTRACTS. loi 

When, nineteen years ago, the Valuation Abstract was introduced 
int;o the INSURANCE REGISTER, ten Companies had then adopted 
the Actuaries' Table ; a reference to the present Valuation Extracts 
(pp. 102 to 1 1 1) will show that, with a few exceptions, all the Offices 
transacting what is termed Ordinary Life Insurance now adopt 
this Table. It may further be stated that in those instances where 
other tables are still used as the basis for calculation, the Institute 
of Actuaries' Table is usually employed in testing the accuracy of 
the results. 

With reference to the rate of Interest assumed as the basis of 
calculation, it appears that at no former period in British Life 
Insurance history has the rate per cent, been taken at so low 
an average as in the recent Valuations. 

It is desirable to explain, that where two tables of mortality 
are set down in the fourth column, as being in use by the offices 
indicated, the first-mentioned is that employed for the valuation 
of the larger portion of the business ; the second-named being used, 
for the most part, for Annuities and for special cases. 

The first returns submitted to the Board of Trade, after the 
passing of the Act of 1870, by such now existing Companies as 
were then doing business, are given for comparison with the 
most recent results. A noticeable fact which the retrospect discloses 
is the decrease in the rate of interest during the period under 
inspection. 



Digitized by 



Google 



I02 



VALUATION EXTRACTS. 





Title. 


Date of 

first and last 

Valuations 

rendered to 

Board of Trade. 


1 


Policies in Force at 
Valuation. 

, ' Sums Insured & 
Number. Bonuses, less 
1 Re-insurance. 


Date of 


Annuities. 






Premiums, 

less 

Re«insurance. 


No. 


Annual 
Amount. 


j 


z 


Alliance 


31 Dec. '73 
„ '93 




5, "5 
14,055 


£ 
3,366,362 

7,481,753 


£ 

92,299 

218,295 


II 

57 


£ 
1,060 

4,08s 


2 


Atlas 
it 


25 Dec. '69 
31 „ *94 




6,199 
7,061 


3.798,150 
4,568,265 


101,248 
126,209 


25 


5^256 ; 


3 


British Empire Mutual 


31 Dec. '72 




11,926 


2,882,652 


85,292 


69 


1,584 




*> »> 


„ '96 




i9»859 


6,649,611 


200,144 


132 


11,693 




Positive {'^'S'JSoT} 


a 96 




5.597 


1.931,637 


65,011 


14 


482' 


4 


British Equitable . . 

it 


31 Jan. ;73 
» '94 




18,072 
25,179 


3,106,965 
4,780,504 


97,930 
131,803 


I 


1 
■■■4! 


5 


Brit Natural Premium 


31 Dec. '96 


5i 


1,526 


1,615,205 


30,804* 




• • i 


6 


Caledonian .. 


13 May '71 
31 Dec. '97 




3,818 
13.425 


1,509,240 
5,786,376 


44,932 
173,633 


62 
312 


1,733 
15.894 




7 


City of Glasgow . . 


20 Jan. *74 




8,419 


4,102,195 


118,764 


152 


6,114 






»» • • 


„ '94 




13.777 


6,339,965 


186,587 


261 


13,688 ; 1 


8 


Clergy Mutual 


31 May '71 
» '96 




5.779 
10,952 


4,956,105 
8,911,395 


120,810 
242,856 


124 
199 


9,266 


' 


9 


Clerical, Med. &Genl. 


30 June '71 
„ '96 




8,679 
12,732 


8,'682;336 


157,997 
259,821 


2 
2 


1,059 1 
1,350 




10 


Colonial Mutual . . 


31 Dec. *94 




32,818 


10,533,271 


323,410 


19 


802 




II 


Commercial Union . . 


31 Dec. *72 
„ '97 




3,250 
9,610 


2,129,366 
6,324,094 


73.359 
199,918 


19 
75 


779 

3M 




12 


Eagle 


30 June '72 

31 Dec. '97 




17,750 
7.341 


9,971,642 
5,826,610 


283,043 
159.561 


158 
232 


12,459 
30,336 


i 


13 


Economic . . 


31 Dec. '73 
„ '93 




9.804 
11,570 


8,735,101 
9,171,936 


219,616 
208,683 


29 


3.277 




14 


Edinburgh . . 


31 Mar. *7i 




6,301 


3,419,295 


99.645 


287 


16,304 






,, . . • . 


31 Dec. *97 


51 


18,946 


8,602,154 


258,973 


845 


39.092 




15 


English & Scot. Law 


25 Dec. *7o 




4.918 


3,229,785 


97.433 


117 


6,680 






>> >> 


31 ,. '95 




11,738 


6,936,622 


185,221 


438 


3hi9^ 




i6 


Equitable . . 


31 Dec. '79 
„ '89 


10 
10 


'SI 


6,027,851 
6,072,891 


142,739 
138,857 


12 
8 


846 
615 




17 


Equity and Law . . 


31 Dec. *74 
„ '94 




n^ 


3,765,978 
8,180,593 


107,062 
257,267 


2,640 


12,998 
16,253 




z8 


Friends* Provident . . 

f» if 


II Nov. *72 
20 „ '97 




4.499 
8,095 


3,351,607 
6,170,179 


87,078 
164,749 


520 
995 


14,523 
32,244 





British Natural Premium. — * Excludes contributions for expenses. 
Clerical^ Medical and General.—* Sums exclusive of previous Bonus Additions. 
Commercial Union,—* Additional Reserve of £p^ooo set apart towards estimating Liabilities at a future Valnanon 

on the basis of 3 per cent, interest. 



VALUATION EXTRACTS. 



103 



Table of Mortality and 
I Rate of InteresL 



Table. 



Rate 
Cent 



Policies participating 

in Profits at first and 

last Valuations. 



No. 



Amount. 



Premiums 

received 

during 

period under 

Investigation, 

lets 
Re-insurance. 



Amount of 
Profit as- 
certained, 
exclusive 
of Profit 
previously 
undivided. 



Profit ! 

previously I 

undivided,! 

brought I 

forward. 



■llll 



Average 
Rate 

of 
Interest 



I Carlisle 
; Actuaries HMs&HM 



Govt. Anns. 



2 J Northampton 
j Actuaries HM&HMs 
I 
3! Carlisle .. 
I Annuities . . 
Actuaries H** 
Govt. Anns. (1883) 
. H** and Positive 
I 

4 ■ English No. 2 
j Actuaries H** 
I 

5 Actuaries H^ 



Carlisle 
Actuaries H** 

Carlisle 

Actuaries H** 
Govt. Anns. 
Carlisle & Special 
Actuaries HM&HM5 

Carlisle 
Carlisle . . 
Actuaries HM& RMS 



10 



II 



12 



Actuaries H**&H**5 

Carlisle 

17 Offices* Exp. 

Actuaries H** 

Carlisle 
Actuaries H** 



13 Special 

Actuaries H** 



14 



IS 



16 



17 



Actuaries H** 
Govt. Anns. 
Actuaries H** 

Carlisle 
Govt. Anns. 
Actuaries HM& RMS 

Govt. Anns. 
Northampton 
Do. .. 

Actuaries HMs&HM 
Do. .. 



18 Special 
Do. 



\- 

4 
3 

3i 
3i 

3i 

4 
3 

3 
3 
3 
3 
3 
3 

If 

3 
3 



3,662 

10,117 

5,983 
6,211 

11,370 

16,572 

4,724 

13,797 
23,156 

None 

1,747 
10,371 

7,540 
12,615 

5,561 
10,611 

8,038 
11,761 

17,459 

2,423 
7,804 

11,408 
None 

8,192 
10,820 

5,262 

16,023 

3,060 

8,867 

3,916 
3,769 

1,791 

5,335 

4,547 
8,112 



2,343,328 
5,121,213 

3,666,843 
3,757,384 

2,686,630 
5,031,201 
1,572,038 

2,334,134 
4,190,530 

Nil 

721,578 
4,017,491 

3,549,979 

5,159,955 

4,839,254 
8,211,906 

4,617,449* 
7,979,934 

4,909,500 

1,721,861 
5,474,423 

6,151,314 

Nil 

6,807,636 
8,607,745 

2,892,397 
6,725,322 
1.853,412 
4,057,856 

4,851,230 
4,556,425 

2,500,361 
5,772,741 

3,356,338 
6,126,526 



451,949 
969,406 

523,088 
5«4.238 

250,497 

600,367 

263,454 

276,683 
407,612 

132,365 

290,590 
803,399 

557,885 
885,805 

533,494 
1,208,132 

772,455 
1,252,027 

1,544,702 

302,433 
904,274 

1,545,496 
827,597 

1,139,070 
1,053,362 

684,154 

1,429,452 

464,865 

899,362 

1,488,357 
1,468,032 

524,967 
1,130,937 

331,607 
823,766 



£ 

74,950 

274,510 

226,761 
147,594 

46,920 

102,924 

34,377 

34,617 
62,439 

Nil 

73,240 
153,132 

81,950 

205,697 

304,108 
561,088 

299,279 
515,474 

226,198 

75,731 
306,480 

188,376 
1,612 

383,084 
321,294 

143,045 

261,067 

77,068 

218,575 

1,893,705 
1,228,474 

193,213 
343,477 

212,358 
319,462 



3,510 
4,675 



863 

Nil 

Nil 

14,806 

15,162 
40,117 

831 
529 



3,066 

1,393 

348,903 

Nil 

18,139 
661,828 

39,815 



£ 

40,000 

220,000 

158,343 
134,237 

44,573 
98,430 
28,037 

29,305 
57,932 

Nil 

63,183 
127,610 

72,266 

173,627 

280,000 
560,000 

225,000 
452,846 

105,896 

58,880 
222,779 

147,723 

Nil 

275,406 
346,952 

128,741 

234,961 

67,831 

153,637 

1,231,876 
1,235,827 

155,862 
293,195 

185,105 
293,380 



EftiitaAle.—* The Interim Bonus paid, with Claims, during the Valuation 1 

to the above*mentioned divided "^ 



in addition 



t04 


VALUATION EXTRACTS. 










TiTLB. 


Date of 

first and last 

Valuations 

rendered to 

Board of Trade. 


i. 

1 


Policies in Force at ] 
Valuation. 


Date or 


Annuities. 




Number. 


Sumslnsuredft 
Bonuses, less 
Re>insurance. 


Premiums, 

less 

Re-insurance. 


No. 


Annual 
Amount. 


19 


General 


31 Dec. *72 




7,717 


2,370,381 


£ 
70,722 


II 


£ 
380 




»» 


„ '97 




16,827 


5,722,905 


187,422 


276 


11,724 


20 


Gresham 


30 June '73 




24,930 


10,055,696 


372,344 


565 


21,153 




»i 


31 Dec. '95 


4i* 


65,262 


21,961,856 


889,126 


3,926 


156,323 


21 


Guardian 


25 Dec. '74 
31 a '94 




3,985 
9,443 


3,864,648 
6,827,040 


114,532 
192,354 


281 


17,938 


22 


Hand-in- Hand 


31 Dec. *7i 




3,533 


3,447,921 


118,002 


149 


8.651 




», 


., '9« 




7,392 


5,581,127 


180,443 


358 


22,648 


23 


Imperial 


31 Jan. '71 




3,516 


2,768,485 


81,965 


20 


1,744 




), 


n '96 




12,862 


6,877,342 


192,506 


430 


17,261 


24 


Lancashire . . 

»» • • • • 


31 Dec. *72 
., '94 




4,115 
8,770 


1,437.328 
3,109,788 


^•gi 


9 


•• 
495 


25 


Law Life 


31 Dec. '69 




6,887 


10,249,964 


269.403 




•• 1 




it 


„ '94 




6,145 


9,159,302 


225,838 


31 


2,891 


26 


Law Union & Crown 

1, II • • • • 
Crown 

»i • • • • 


30 Nov.* 74 

31 Dec. '94 
25 Mar. '70 

., '95 


51^ 


2,778 
6,661 
7,651 
9,362 


1,767,740 
4,695,152 
4,188,842 
5,406,825 


53,701 
135,947 
119,425 

137,577 


128 

302 

45 

51 


6,424 
18,506 

2,674 
2,239 


27 


Legal and General . . 
it II 


31 Dec. '71 

t, '96 




3,191 
6,024 


4,304,159 
8,552,008 


125,145 
233,909 


10 
418 


2,700 
47,681 1 


28 


Life Asso. of Scotland 


5 Apr. '71 

a '96 




17,395 
30,972 


7,269,051 
14,122,863 


233,848 
380,224 


338 
1,026 


14,744 
49,485 


29 


Livp'l.&Lon.&Globe 
,, »> 


31 Dec. '73 
„ '98 




13,271 
14,596 


7,118,418 
8,173,966 


207,151 
225,465 


1,252 
3,119 


64,547 
178,619 


30 


London Assur. Corp, 


31 Dec. *7o 




6,151 


4,534,567 


142,491 


321 


17,985 




If it 


it '95 




7,624 


4,979,533 


144,649 


71 


5,285 


31 


London & Lancashire 


31 Dec. '72 

a '97 


10 


2.872 
20,333 


1,122,591 
6,379,864 


35,260 
224,849 


, , 


.. 


32 


London Life Assoc. 
»» 11 


30 June *7 1 

31 Dec. *95 




5,880 
8,560 


7,510,705 
10,083,551 


262,125 
343,174 


, , 




33 


Marine & General . . 


31 Dec. '74 
» '94 




& 


677,760 
2,087,487 


63,788 


1,230 
1,749 


13,800 
18,764 


34 


Metropolitan 
it 


4 Jan. '71 
31 Dec. *97 




4,726 
6,821 


4,105,441 
5,396,747 


130,550 
159,925 


•• 


•• 



Greskam.—* In future Valuations will be made at intervals of five.5u»rs.y 1 r> 
Law Lift,—* Exclusive of previous Bonuses. ^^ ^ O 



VALUATION EXTRACTS. 



I05 



Table of Mortality and 
Rate of Interest. 



Table. 



Rate 
Cent, 



19 Equitable Exp. . 
Carlisle . . 

Actuaries H*' 

20 17 Offices' Exp. . 
Carlisle 
Actuaries H** 
Govt. Anns., and 

17 Offices' Exp. . 
21 ! Actuaries H^ 

Actuaries HM&HMs 



Davies Equit. Exp. 
Annuities . . 
Actuaries HM&HMs 
Govt. Anns. 
17 Offices' Exp. 
Anns., Finlaison 
Actuaries H^&H^s 
Gov. (1883) Anns, 
Carlisle 
Actuaries H^ t 



23 



27 



28 



31 
32 
33 

34 



Northampton 
Davies' Equitable . . 
Actuaries H** 

Carlisle 

Gov. (1883) Anns. 
Equitable Exps. . . 
Actuaries H** 
Govt. (1883) Anns. 
17 Offices Exp. . . 
Actuaries H**5 
Gov. (1883) Anns. 
Davies Equitable . , 
Annuities . . 
Actuaries H^ 
Carlisle 

Actuaries HM&HM5 
Govt. Anns. 

17 Offices' Exp. 
Gov. Male Anns. < 
Actuaries H^ 
Gov. Anns. ('84) , 
Carlisle . . 
Actuaries H^ 

Special 
Actuaries H** 

Carlisle 

Actuaries RM&HMs 
CarUsle&Gov.('83) 
17 Offices' Exp. 
Actuaries H** 



3 
3 

4 
3 

2 

4 

4 

3.3i 

4 

34 

3i 

3 

34 

3 

3&4 
3 

3i&4 

34 

34 

3 

24 

3 

34 

4 

34^ 

4 

3 

3&4 

4 

3 

3 

3 

3i&4 

3*&4 
3,3i&4 

3 
3 

4 

3i&3 



Policies participating 

in Profits at first and 

last Valuations. 



No. 



5,224 
12,773 
22,409 
46,365 

2,875 
7,328 

2,747 

5.540 

2,705 

7,342 

3,392 
7,484 

6,650 

4,852 

1,893 
4,890 

7,013 
8,187 

2,842 
3,309 

12,928 
27,476 

8,066 
7,154 

4,047 

5,051 

2,461 
11,045 

4,444 
6,564 

3,393 
7,194 

3,731 
5,933 



Amount. 



£ 
1,741,650 

3,994,846 

9,173,225 

14,976,697 



3,002,776 
4,953,280 

2,600,120 

4,273,348 

2,105,861 

4,026,137 

1,294,795 
2,556,639 

8,234,935 
6,495,320 

1,087,001 

2,973,563 
3,684,214 
4,618,224 

3,638,882 
5,067,827 

15,189,887 
10,671,367 

4,386,628 
3,129,752 

3,300,331 

3,385,845 

909,594 
3,649,458 

5,703,905 
7,780,345 

616,785 
1,605,263 

3,223,588 
4,649,650 



Premiums 

received 

during 

period under 

Investigation, 

Uss 
Re-insurance. 



I Amount of 
Profit as- 

I certained, 
exclusive 
of Profit 
previously 
undivided. 



£ 
300,330 

888,473 

1,083,653 

3,444,422 



599,023 
960,688 

119,095 

546,240 

421,304 
880,092 

120,724 
434,876 

1,415,075 
1,131,566 

259,734 
551,438 
527,335 
765,108 

637,554 
1,132,719 

893,101 
1,878,728 

860,863 
1,146,158 

491,531 

729,827 

222,846 
1,007,771 

267,792 
1,047,898 

155,811 
318, " 



383 



133,282 
496,677 



£ 
55,908 

80,788 

57,977 
78,040 



181,901 
367,963 



68,082 

117,516 

23,687 
107,382 

618,217 
505,166 

43,105 
158,286 

82,576 
249,369 

218,317 
298,264 

131,530 
472,791 

34,261 
303,381 

248,975 

235,745 

",373 
80,069 



51,808 
84,588 

57,828 



Profit 
previously 
undivided. 


Amotmt 
vided among 
Policyholders, 
eluding Inter- 
ediateBonus. 


brought 
forward. 




•0^.9 a 


£ 


£ 




38,734 


• • 


61,352 


.. 


45,600 


862 


70,650 




128,000 


32,173 


264,000 




52,333 


•• 


80,140 


• • 


51,000 


•• 


91,012 




78,610 


.. 


494,574 




404,133 




30,118 


, . 


136,781 




59,901 


• • 


210,518 




192,787 


27,706 


289,110 


,. 


66,833 


36,446 


280,943 


107,309 


* 
142,030 


.. 


91,794 


67,042 


143,619 


, , 


9,098 


•• 


50,000 


, , 


173,707 


•• 


659,921 


, , 


36,228 


45,638 


79,820 




57,828 


•• 


206,875 



Average 

Rate 

of 

Interest. 



Liverfool &* London 6^ Globe. — * Bonus guaranteed at outset of Insurance. + The amount added during the 

Quinquennium recently closed is ;^X93,o84, in addition to the Cash Profit shown in the Column. 
Life AsiTfciation.—* 1896, a sum of ;^97,72o was set aside to provide for valuing original Assurances, apart from 

Bonuses at 3 per cent. 



io6 


VALUATION EXTRACTS. 










Title. 


Date of 

first and last 

Valuations 

rendered to 

Board of Trade. 


1 g Policies in Forcb at 
J'l ! Valuation. 

31 ' 


Datb or 


Annuities. 




>1 


Number. 


Sums Insured & 
Bonuses, Uss 
Re-insurance. 


Premiums, 

less 

Re-insuxance. 


No. 


Annual 
AmonnL 


35 


National (of Ireland) 

\\ (GtBriLMut.) 
,, ,< 


31 Dec. '72 

., '97 

» ;73 
„ '97 


671 

775 
7,703 
1,081 


£ 

415,595 

353,667 

2,124,433 

182,644 


£ 

13,240 

11,010 

68,985 

6,689 


89 
216 

5 


£ 
3,963 
9,52s 

794 


36 


National Mutual . . 


31 Dec. '98 




14,240 


6,413,628 


173,657 


204 


12,611 


37 


National Provident. . 
», „ 


20 Nov. '72 
„ *97 




19.660 
29,001 


10,119,109 
12,553.973 


310,158 
407,797 


'95 


4,820 


38 


Nth.Brit.&Mercantile 
», ,, 


31 Dec. '70 
„ '95 




13,365 
44,111 


9.189,589 
22,609,350 


268,557 
678,892 


665 
3,965 


33,088 
234,942 


39 


Northern 


31 Dec. '70 
1, '95 




8,346 
16,080 


3,890,368 
7,389,029 


120,022 
220,816 


237 
422 


^'^ 


40 


Norwich Union 

{Amicable Fund) 


30 June *^l 
5 Apl. '71 




9,510 
902 


5,146,587 
917,306 


143,640 
24,280 


818 


30,154 i 




1, 


30 June '96 




25,291 


11,379,81 1 


328,776 


554 


28,373 


41 


Patriotic 


31 Mar. '74 
31 Dec. '94 


5A 


705 
1,825 


335,194 
485,111 


10,098 
16,201 


•• 


.. 


42 


Pelican 

,, • • • • 


30 June '75 

31 Dec. '95 




3,383 
4,948 


2,949,201 
3,583,933 


86,776 
106,195 


7 
6 


1,041 
1,345 


43 


Pioneer 


31 Mar. '97 


5J 


700 


288,994 


7,334 


•• 


•• 


44 


Provident . . 


31 Dec. '72 




10,649 


5,275,507 


155,830 


» • 


•• 




,1 


„ '97 




15,509 


7,703,837 


226,306 


•• 


•• 


45 


Provident Clerks' .. 


31 Dec. '72 
„ '97 




13,570 
26,934 


2,680,560 
5,161,458 


69,647 
141,187 


166 
309 


4,521 
11,983 


46 


Provident Free Home 


31 Dec. '93 


4^ 


38,455 


3,518,091 


103,700 


•• 


.. 1 


47 


Prudential, Ord. Br. \ 
{see Industrial) ^ 


31 Dec. '71 
„ '97 




11,179 
497.325 


1,755,054 
55,759,472 


59,345 
2,797,745 


186 
2,289 


5,336 
81,623 


48 


Refuge, Ord. Br. 
{see Industrial) 


31 Dec. '96 




52,720 


3,107,975 


175,087 


•• 


•• 


49 


Rock 


20 Aug. '75 
31 Dec. '95 


6^ 


4,145 
6,743 


4,893,272 
5,070,698 


142,818 
133,956 


434 


36^529 


SO 


Royal 


31 Dec. '69 




14,292 


6,672,504 


212,747 


453 


18,354 




,» • • 


„ '94 


5 


32,877 


13,370,846 


399,322 


708 


25,119 1 


51 


Royal Exch'ge Assur. 


31 Dec. '70 




5,721 


4,562,550 


137,893 


88 


2,635 




i» ,, 


„ '95 




7,739 


5,435,027 


159,582 


509 


31,337 



Natumal (Ireland and Great Britain Mutual). — * The Bonuses in all cases amopnt 

£2. js. per cent, on Sum AssuredPigitized by 



^(56^ 



e^rsionary 



Sum of 







VALUATION 


EXTRACTS. 






107 




Table of Mortality and 
Rate of Interest. 


Policies participating 
in Profits at first and 1 
last Valuations. 


Premiums 

received 

during 

period under 

Investigation, 


Amount of 
Profit as- 
certained, 
exclusive 
of Profit 
previously 

24,218 

20,409 
8,894 


lOunt 
1 among 
holders, 
ng Inter* 
e Bonus. 


Average 
Rate 




{Rate 

Table. ' per 

Cent. 


No. 
322 

Nil 

7,156 
1,081 


Amount. 

1 

1,927,233 
184,916 


brought 
forward. 


11.11 


of 
Interest. 


55 


Carlisle . . 
Acts. HM& Carlisle 
Special 
Actuaries H^ 


4 

3 


£ 
61,988 

61,133 


£ 


8,894 


400 
3-84 
470 
357 


36 


Actuaries H** 
Govt Annuities . . 


3 
3 


7,292 


3,690,606 


558,732 


217,992 


" 


182,069 


405 


37 


Special 
Actuaries H** 


3 

3 


19,522 

28,889 


10,085,312 
12,528,896 


1,186,916 
1,960,262 


519,224 
736,502 


39,083 


484,614 
714,391 


375 
3*97 


38 


Carlisle . . 
Actuaries H^ . . 
GovL Anns. (*83).. 


3i 


10,387 
37,169 


18I628I318 


1,335,089 
3,205,046 


216,200 
731,354 


7.482 


165,044 
660,974 


442 
409 


39 


Cariisle . . 
Actuaries HM&HM5 

Govt. Anns. ('83) . . 


3 
3 
3 


6,676 
14,278 


2,958,814 
5,902,360 


554,641 
1,145,131 


96,707 
266,706 


16/803 


74.490 
272,167 


4-00 
400 


40 


Davies' Equit. Exp. 
Govt. Anns. ('60) . . 
Amicable . . 
Actuaries H^ . . 
Gov. (1883) Anns. 


3i 

4 

3i 

3 

3 


9,088 

823 
13,682 


4,800,530 

848,470 
6,671,893 


768.365 
1, 188*, 580 


142,079 
240,901 


73,990 


113,491 
198,794 


4-39 

4-33 
4-19 


41 


Carlisle . . 
Actuaries H** 


3 
3 


259 
1,256 


126,477 
309,927 


55,914 
79,439 


2,029 
18,212 


i',884 


1,352 
9,359 


4*35 
405 


42 


Actuaries H^ 
Do. 


34 
3 


2,067 
3,615 


1,940,265 
2,306,175 


640,631 
509,099 


193,907 
136,531 


4,157 


84,644 
107,032 


4-38 
414 


43 


Actuaries HM&HMs 


3i 




• • 


40,589 


None 


None 


None 


• • 


44 


Northampton 
Carlisle, Special . . 
Actuaries H** 


34 
3 


9,164 
13,822 


4,587,361 
6,769,190 


779,271 
1,127,196 


355,543 
421,718 


199,474 


170,661 
312,583 


4-30 
3-94 


45 


Carlisle 
Actuaries H^ 


3 
3 


12,194 
24,643 


2,487,751 
4,571,472* 


319,808 
681,773 


80,035 
205,557 


21,300 


71,000 
208,834 


475 
3-92 


46 


Actuaries H** 


3 


367 


78,750 


194,772 


7,567 


.. 


552 


3*42 


47 


Carlisle . . 
Actuaries H^ 


3 
3 


8,558 
489,732 


1,426,921 
54,925,175 


1, 108,040 
7,621,540 


76,096 , 
2,875,077 


750,000 


48,000 
1,393,818 


456 
3-30 


48 


Actuaries H** 


3 


32,328 


2,367,285 


575,670 


"9,336 


129 


56,100 


3-OI 


49 


Northampton 
Actuaries H** 
Govt. Anns. (*82).. 


3 


3,573 
3,795 


3,649;56i 
2,495,160 


''^If? 


544,474 
335,603 


•• 


356,811 
223,340 


trs 


50 


Davies' Equit. Exp. 
Carlisle . . 
Actuaries HM&HM5 


3 


10,312 
23,798 


4,796,067 
9,318,497 


974,564 
1,767,156 


266,665 
563,005 


6,043 


163,867 
415,200 


4-67 
396 


51 


Northampton 
Equitable . . 
Actuaries HM&HM5 


3 


4,219 


3,304,019 


677,221 


167,345 


.. 


109,290 


4-63 




4 
3 


6,021 


3,995,023 


752,394 


270,892 


•• 


167,559 


4-14 



ProvuUnt Clerks.—* Excludes Bonus Addition^jgjtjzed bv ^^jOOQ IC 
/*rM</*«/itf/.—* Includes Industrial. O 



io8 



VALUATION EXTRACTS. 



Title. 



Sceptre 

it • • • • 

Scottish Amicable . . 
»i »» • • 

Scottish Equitable . . 

i> »> • : 

Scottish Imperial . . 

Scottish Life 

Scottish Metropolitan 

Scottish Provident . . 
tf II 

Scottish Temperance 

Scot. Union & Natl.— 
Scottish National 
Scottish Union . . 

Scottish Union 
Scottish National 
Scot. Union & Nat. 

Scot. Widows' Fund 
11 II II 

Standard 

II • • • • 

Star 

II • • • • • • 

Sun 

tt . . . . • • 

Sun of Canada 
Sun of India 
Union 

II • • 

United Kent 



Date of 

first and last 

Valuations 

rendered to 

Board of Trade. 



31 Dec. '73 
1, '93 




31 Dec. '74 
1, '95 




I Mar '73 




1, '98 




31 Dec. '70 




II '95 




31 May '96 




31 Dec. '93 




31 Dec. '73 
1, '94 




31 Dec. '97 




15 May '72 
31 July '71 




31 Dec. '94 
„ '94 
11 '94 




31 Dec. '73 
,1 '94 




15 Nov. '70 
II '95 




^'^5 


5 


24 June '72 




31 Dec. '96 




31 Dec '96 




31 Dec. 95 


4¥i 


30 June '72 




31 Dec. '97 




25 Mar. '72 
„ '97 





POLICIBS IN FORCB AT DaTB OF 

Valuation. 



Number. 



5ii29 
12,268 

12,858 
141603 

10,972 

24,370 

707 

5,284 

3i235 

4^834 

17,762 
351652 

10,668 



5,996 
9,000 

4,396 

4,239 

12,615 

24,130 
46,553 

28,722 
45i06o 



i4»439 
541I90 

6,819 

26,824 

26,840 

866 

4i767 
27.987 

1,400 
2,625 



Sums Insured & 
Bonuses, Um 
Re-insurance. 



£ 
724,521 
2,061,655 

5,907i29i 
7,905,861 

6,765,274 

"i795i996 

308,687 

1,816,210 

ii392|075 
Ii5i5i449 

8,844,928 
21,375,068 

2,213,746 



2,436,573 
4,800,188 

2,412,735 
1,962,257 
6,028,280 

17,420,769 
3ii368,233 

16,867,577 
24,500,413 



5,027,183 
16,750,588 

41269,637 

12,091,788 

7,860,372 

226,387 

2,641,946 

9,840,183 

802,875 
1,292,340 



Premiums, 

leu 

Re-insurance. 



£ 

21,374 
59,576 

165,284 
236,676 

181,444 

330,197 
9,700 

55,767 

45,512 

45,284 

2351569 

539i722 
76,268 



69,604 
139,987 

57,989 

45,074 

193,026 

495,645 
914,373 

5H,479 
789,172 



I5>i362 
5501I79 

119,115 

372,306 

3231823 

11,659 

83i336 

324.688 

23,062 
37i094 



Annuities. 



No. 



165 
301 



9 
10 

4 

133 

47 

297 
1.350 



13 



52 



129 

197 

423 

674 
1,105 



75 
326 

20 

51 

42 

156 

2 



132 

175 



Scottish Met 



trqpOi 

Val 



Scottish Provident, 



account of early payment of claims, paid-up loading, and recent selection of lives. 



'tropoUiati 
reserve on 



VALUATION EXTRACTS. 



109 



Table of Mortality and 
Rate of Interest. 



Table. 



Carlisle 
Actuaries H** 

Eng. No. I Carlisle 
. Actuaries H** 
I 

Carlisle 
! Do. 

I Actuaries H** 

' Carlisle 
English 
[ Actuaries RM 

Actuaries H^ 

Actuaries H^ 

Actuaries H^ 
Do. * 



9 Actuaries H** 



6 Carlisle* . . 
Do. 

I 

Actuaries HM&HMs 

Do. do. 

Actuaries H*** 
I Govt. Anns. (*82) 

\l , Carlisle 

Actuaries HM&HMs 

Carlisle 

English No. i (M.) 
Carlisle for 2 Lives 
Standard Exp. 
Govt. (1883) 

Carlisle 

Actuaries H^ 

Carlisle 

Actuaries HM&HMs 
Govt. (1883) Anns. 
Actuaries H** 

Actuaries H** 
Govt. (1883) Anns. 
Actuaries H^ 

Carlisle 

Actuaries H** 



I2i 



Special 
Special 



Rate 
Cent 



3>3i 
3 

3i 
3i 
3i 
3i 
3i 

3 

3i^ 

3,34 
3»34 
3,3i 

34 

3i 

3 

3 

4 
3 
3 



Policies participating 

in Profits at first and 

last Valuations. 



No. 



3,918 
10,938 

6,222 
4,965 

10,677 

21,289 

536 

4,758 

2,112 



Amount 



£ 
574,686 

1,830,976 

2,994,021 
3,100,339 

6,674,958 
9,945,648 

218,918 
1,643,108 

851,808 



{Division of 
Profits def erred] 



4,599 
13,220 

8,188 



4,261 
7,460 

3,785 
3,632 
7,105 

23,043 
44,205 

24,238 
36,725 



13,976 
43,508 

5,715 
20,179 

3,756 

4,035 
21,455 

1,280 
2,390 



2,287,783 
7,358,602 

1,670,124 



1,886,800 
3,916,836 

1,759,226 
1,551,230 
3,224,360 

16,488,517 
29,866,596 

13,236,561 
17,777,876 



4,998,360 
12,742,143 

3,411,152 
8,455,506 
1,160,530 

2,049,126 
7,393,145 

711,895 
1,080,487 



Premiums 

received 

during 

period under 

Investigation, 

Uss 
Re-insurance. 



£ 

88,081 
286,909 

1,095,644 
1,478,429 

887,003 

1,630,045 

33,620 

274,058 

202,025 

203,856 

1,377,632 
3,682,430 

316,989 



259,898 
650,011 

360,292 
273,930 
846,789 



3,034,121 
5,989,374 

2,460,834 
3,652,380 



729,045 
2,480,364 

588,365 

1,852,727 

1,284,056 

32,398 

414,659 
1,455,055 

112,852 
170,410 



Amountof 
Profit as- 
certained, 
exclusive 
of Profit 
previously 
undivided. 



£ 

9,214 
60,839 

228,632 
307,009 

192,237 

411,063 

4,646 

37,363 

38,114 

829 

316,063 
1,072,673 

41,985 

46,123 
107,458 

228,738 



1,275,321 
2,473,218 

352,830 
528,005 



150,464 
318,378 

194,206 

338,032 

67,016 

88,565 
171,266 

54,313 
54,241 



Profit 

previonslv 

undivided, 

brought 

forward. 



1,611 



3,875 



341 



i,5H* 

60,515 
350,345 

13,824 



71,273 



36,705 



9,779 



87,516 



15,429 









Average 

Rate 

of 

Interest. 



7,371 
56,205 

177.549 
243,885 

192,237 

383,478 

3,099 

24,468 

30,168 

Nil 

251,578 
1,031,222 

39,472 



41,511 
89,548 

r 19,862 

71,370 

[110,000 



907,732 
2,035,639 



331,592 
464,329 



135,418 
333,849 

125,147 

264,440 

40,014 

53,247 
158,627 



43,450 
43,393 






4'8o 
4-40 

4*54 
430 

428 

4-23 

4*oo 

4*00 

4*22 
4 '22 

4*47 
4*32 

4*02 

4 '60 
4*40 

U'i3 



4*30 

4*21 

4*37 
413 



4*55 
379 

4*47 
419 

564 

3-83 

4-63 

3'8i 

4-57 
4-18 



Scottish Temperance. — * A special Reserve set apart sufficient to reduce rate of Interest to 3 J per cent. 

Scottish Union and National. — * Actuaries H^ employed for Deferred Bonus Policies. 
Scottish Widows' /^««</. —* Additional Sum of ;^445,85o reserved to make Valuation =Hm 3 per cent. 



no 


VALUATION EXTRACTS. 










Title 


Date of 

first and last 

Valuations 

rendered to 

Board of Trade 


\ 


Policies in Forcb at 
Valuation. 


Datk of 


Annuities. 




Number. 


Sums Insured & 
Bonuses, Uss 
Re-insurance. 


less 
Re-insurance. 


Na 


Annual 
AmoaaL 


«9 


United KingcrmTemp. 
>* ,* 


31 Dec. '70 
» '95 




30*079 
49,162 


£ 
5,576,666 

13,971,434 


£ 
4171846 


"3 
207 


£ 
2,461 

5i2I4 


70 


Universal . . 

ft . . > . 


31 Dec. '70 
M *97 




3,302 
1,445 


2,985,715 
1,411,507 


119,664 
41,835 


3 


230! 


71 


University . . 

», • • • • 


I May '70 
., '95 




1,503 
1,511 


2,076,423 
1,941,726 


50,909 
48,386 


, , 


, , 


72 


Victoria Mutual . . 
»» i» 


31 Dec. *86 
,. '96 


4i 


5,079 
4,057 


283,459 
316,549 


9,121 
10,727 


, , 


, , 


73 


Westminster & Genl. 


31 Dec. *7i 
„ '96 




3,185 
5,144 


1,288,513 
1,763,141 


38,687 
55,278 


'51 


2,127 


74 


Yorkshire . . 


I Mar. '70 




2,642 


1,355,321 


39,574 


184 


5,338 




,» • • • • 


I Mar. '95 




3,339 


1,737.675 


52,894 


213 


7,626 




Industrial Offices. 


Most recent 
Valuation. 














z 


Abstainers & \ OrcCy 
General / Indus, 


31 Dec. »93 
it 


5 
5 


3,310 
26,936 


369,747 
360,403 


12,765 
9,195 


Nil 
Nil 


•• 


2 


British Legal 


30 June *92 


9 


164,596 


1,223,356 


55,829 


• • 




3 


British Work- OrcCy 
man*s&Genl Indus, 


30 Apr. '92 


10 
10 


5,165 
522,089 


474,985 
5.145,152 


23,090 


I 


16 


4 


Co-Operative 


31 Dec. '95 


5 


593 


54,825 


2,376 


.. 


•• 


5 


Lond. & Man. Indus. 


24 Mar. '95 


10 


206,492 


1,817,656 


72,346 


2 


27 


6 


Lond., Edin. ) Ord'y 
& Glasgow \ Indus. 


31 Dec. '95 


5 
5 


5,563 
449,084 


544,494 
4,959,025 


26,316 
254,459 


*63 


3,280 


7 


Pearl — Ordinary . . 
Industrial . . 


31 Dec. '90 
M '95 


5 


2,657 
1,068,389 


224,638 
10,488,818 


10,468 
472,797 


3 
23 


37 
5" 


8 


Prudential— /«/«j/. 


31 Dec. '97 


3 


12,546,132 


122,284,289 


5,013,796 


.. 




9 


Refuge — Industrial 


31 Dec. *96 


5 


1,785,420 


15,647,942 


914,231 


.. 


•• 


10 


Wesleyanand \ Ord*y 
General J Indus, 


31 Dec. *93 


5 
5 


10,108 
460,503 


679,808 
4,668,799 


26,558 
219,424 


• • 






American Offices. 


Most recent and 
previous Valuation. 














X 


Equit, United States 


31 Dec. '92 
» '95 


3 

3 


250,658 
285,905 


177,276,442 
190,099,356 


6,603,936 
7,119,490 


1,341 
1,573 


86,648 
101,367 


2 


Mutual, New York . . 


31 Dec. *88 
.» '97 


I 
3 


158,176 
342,617 


100,425,236 
192,110,559 


3,392,879 
6,862,548 


293 
3,520 


17,528 
216,853 


3 


New York .. 

»> • • • • 


31 Dec. '92 
,. '98 


3 
3 


215,968 
373,934 


141,598,545 
198,835,515 


5,476,496 
7,204,258 


8,040 
9,204 


359,968 



Digitized by 



'Google" 







VALUATION 


EXTRACTS. 






III 




TaUe of Mortality and 
Rate of Interest. 


Policies participating 

in Profiu at first and 

last Valuations. 


received 

during 

period under 

Investigation, 

Itss 
Re-insurance. 


Amount of 
Profit as- 
exclusive 
of Profit 

undivid^. 


Profit 

previously 

undivided, 

brought 

forward. 


Amount 
divided among 

mediate Bonus. 


Average 

Rate 

of 




Table. 


Rate 
(>nt. 


No. 


Amount 


Interest 


69 


Carlisle . . 
ActuariesHM&HMs 


h 


28,866 
40,578 


5,282,073 
10.614,953 


£ 
830,758 
2,016,008 


240,058 
619,277 


£ 
555,309 


4 
157,695 
741.845 


4-46 
389 


70 


Special 
Actuaries H^ 


3 
3 


1,784 
1,900 


\''^f^ 


122,094 
96,990 


38,500 
38,000 


•• 


30,390 
28,500 


478 
410 


71 


Special 

Actuaries HM&HM5 


3 
3 


1,472 
1,303 


1,728,645 
1,247,329 


245,508 
244,095 


a^ 


95,835 


123,788 
106,284 


4-52 
414 


72 


English No. 3 
Actuaries H** 


3i 
3 


3,499 
2,928 


180,195 
221,014 


40,931 
50,234 


3,609 
10,566 


935 
1,970 


2,381 

7,343 


380 
392 


73 

74 


Carlisle . . 
Actuaries H^ 
Gov. (1883) Anns. 
Carlisle . . 
Davies Equit. Exp. 
ActuariesHM&H^s 
Govt. Anns. (1883) 


3 
3 

u 

3 
3 


2,322 

4,607 

793 
2,306 


974,559 
1,499,379 

399,333 
1,135,916 


176,659 
274,968 

189,907 
249,424 


36,212 
62,003 

38,182 
61,668 


40,335 


28,970 
50,223 

13,308 
40,852 


409 
4-OI 

478 
4'i7 


I 


Actuaries H^ 
English No. 3 


3i 
3 


Nil 


NU 

• • 


56,546 
37,956 


Nil 




Nil 


}3-8o 


2 


English No. 3 


3i 


Nil 


Nil 


383,279 


6,733 


•• 


Nil 


3-50 


3 


Actuaries H** 
English No. 3 , . 


4 

4 


/ 




1,829,153 


21,578 


456 


7,579 


4-45 


4 


Actuaries HM .. 


3 


3 


250 


10,246 


2,329 


825 


•• 


374 


5 


English No. 3 . . 


3 




720,512 


515,142 


16,441 


1,147 


Nil 


2-36 


6 


Actuaries RM . . 
English No. 3 


34 
3 


• . 


•• 


112,545 
1,030,196 


••3 


. , 


. . 


329 
329 


7 


Actuaries H** 
English No. 3 


3i 
3 


2,156 
8,276 


181,173 
641,566 


} 1,806,866 


41,921 


761 


17,924 


349 


8 


English No. 3 . . 


3 






13,725,010 


See Or 


dinaty B 


ranch 


3-14 


9 


English No. 3 


3 


No Parti 


a^tingrPols. 


3,789,616 




64,349 


" 


271 


ID 


English No. 3 
Do. 


11 


8,156 


575,908 


983,010 


14,227 


1,607 


12,394 


3*44 




American Exper. . . 
Do. 


4 
4 


30,768 
28,433 


25,443,879 
22,881,176 


19,853,3^0 
22,343,834 


2,563,550 
3,269,812 




1,118,944 
1,381,038 


4-6o 
4-30 




American Exper. . . 
17 Offices* Exper. . . 


4 
4 


91,618 
101,983 


61,471,298 
54,760,751 


4,065,621 
23,392,782 


791,138 
4,344,492 


« 


476,849 
1,405,819 


5'— 
4*57 




American Exper. . . 
Combined Exper. . . 


4 
4 


* 
31,921+ 


20,209, 742t 


15,422,334 
19,637,505 


1,217,055 
3,783491 




1,081,712 
1,687,048 


4-67 
4*62 



Mutual New K<?r*.- * Surplus, 1888, ;C2, 122,930; 1894, ;C4,626,x^5.. ... 

New Ktfr*.— *Tbe number and amount of Policies varies in each of the three years, t Policies participating at i89r 



112 LIFE INSURANCE: YEARLY PREMIUM FOR INSURANC 



PREMIUM RATES. 

In the following Tables are given the Annual Premium Rates charged by t 
various Offices for the assurance of Healthy Lives for ;^ioo. The ages selected a 
those most likely to be generally useful, and the kind of Policies for which the Premiui 
are quoted are those under which the bulk of Life Assurance business is transacted. 

The Rates of the Companies are changed from time to time, and some record 
such changes will be of interest. In the Table of Rates for Whole-Life Policies, Wi 
Participation in Profits, Revised Rates appear for the Colonial Mutual 

In the Whole-Life Non-Participating Table the revised Rates are those of tl 
Caledonian^ Equity and Law, Lancashire, London Life, and Mutual of New Yor 

Revised Endowment Assurance Rates, With Profits, appear for the Clerical^ Media 
and General and Colonial Mutual. 

The Annuity payable for each ;;6'ioo of purchase-money is shown on pp. 126-12 
The changes that have been made are given in the annexed Table, which shows all tli 
Offices with altered Rates, and the old and new Rates of Annuity at certain ages:— 

The following table, furnishing the Rates of Premium payable, with a few specified exceptions, 

main portion of the business of 

Annual Premium (for Age next Birthday) payable during Life^ except otherwise staUi 



TITLE. 



Absolute 

Abstainers and General 



£s. d. 



{• 



Alliance 

Atlas 

British Empire Mutual 

British Equitable 

British Life 

Brit. Workman's & Genl.... 
Caledonian (A i) 

(A2)» 



City of Glasgow 

Clergy Mutual 

Clerical, Med. & Genrl. | , 

Colonial Mutual 

Commercial Union 

Co-Operative 

Eagle 



16 



" S 
811 

15 3 
17 7 

13 5 



I 15 6 



12 II 

11 o 

13 10 
5 5 

12 II 
15 o 
II 2 
18 4 



20 



£s. d, 

I 16 3 
I 13 4 
203 
221 
I 18 7 
I 18 I 

117 7 

119 5 
1 15 10 
I 17 o 
IIS o 

I 17 6 
I 8 2 

117 4 

1 18 10 
115 7 

2 I 7 



£s. d, 
207 

210 
I 16 2 



26 



£s. d, 
273 



3 6 

4 8 

1 10 
3 o 

2 10 

I 5 
236 
I 19 8 

223 

202 



2 2 

1 12 

2 2 

2 3 
2 o 

2 5 



30 



31 



1;^ S. d 
288 



7 I 
on 



8 
9 
7 
9 
9 
8 
8 
4 
8 
6 

2 8 

1 16 

2 7 
2 9 

2 5 
2 10 8 



2 8 
2 2 

2 10 
2 10 
2 8 
2 10 
2 10 
2 9 
2 10 
2 5 
298 
276 

2 9 II 
117 5 

288 

2 10 7 

2 6 II 

2 II 10 



32 



£s, d 

210 3 

2 9 II 
233 

211 3 

2 II 6 

2 910 

2 II 9 

211 8 

2 10 10 

211 3 
269 

2 10 II 

288 

2 II 4 

118 6 

2 10 I 
2 II 9 

283 
213 I 



83 



34 



£s, d, 
2 II 10 

2 II 5 
247 
212 8 



\£s. d, 
I 2 13 7 
213 o 
2 5 10 



I 



2 12 
2 II 
213 

213 
2 12 

2 12 
2 8 



2 12 4 
2 10 o 

2 12 II 

1 19 8 

2 II 7 

213 o 
297 

214 4 



86 



2 14 
2 14 
2 12 9 
2 14 10 
2 14 6 

213 6 
2 14 o 
293 
2 13 10 
2 II 6 

214 7 
2 on 

213 2 

214 4 
2 II I 

215 8 



£s.d, 
215 4 

214 8 
2 7 3 

215 7 

215 S; 

214 5 

216 61 
216 3; 
214101 

215 6' 

210 7, 

215 5J 
213 o| 

216 4 
2 2 3 

2 14 10 

215 9 

212 7 

217 I 



Abstainers and General. — * Abstainers' Division. 

Caledonian. — *Bonus vested at fixed ages, ranging from 59 to 69 years of age. 
Clerical^ Medical and General. — * Reduced Rates dependent on the realisation of a fcertayrx^ A ^ 



Profit. 



3F ;f lOO ON HEALTHY LIVES— WITH PROFITS. 



113 







Males. 














Name of Company. 


Age.. 


Ages. 




40 


60 


76 


40 


60 


76 


kitish Empire ... Old 
New 


£ s. d 
648 
5 16 10 


£ s. d 
8 18 10 


£ s. 

15 14 

16 


d, 
8 
6 


£ s. 
5 '3 
5 S 


4 
4 


£ s. d. 
862 
8 I 2 


£ s. d. 

14 9 5 
14 13 6 


aledonian Old 

New 


... 


8 19 10 
8 18 I 


• •• 




• • 




7 18 
7 18 10 


, , 


jigle Old 

New 


656 
5 17 8 


? § « 
8 18 10 


16 I 
15 14 


6 
6 


VI 


6 
2 


884 
8 I 6 


14 16 2 
14 9 


DC. & Scot. Law Old 

New 


6 15 
5 9 10 


910 
8 12 6 


16 4 
IS 7 






S 3 
S I 


2 



8 4 a 
7 13 4 


14 14 10 
13 17 


[and in Hand ...Old 
New 


600 
5 12 6 


8 18 5 
8 II 6 


15 8 
15 7 


6 

8 


S 8 
S I 


1 


8 I 1 
7 15 6 


14 4 
14 3 8 


oyal Exchange Old 
New 


5 13 I 
5 8 1 


860 


IS S 
14 7 



7 


S I 
4 17 


9 

S 


7 17 9 
7 10 


13 19 I 
13 S 3 



With very few exceptions the new Annuities are less than the old, so affording further evidence of 
a change that has been in progress for some years past, and that is likely to continue in the future. 

[uring the Whole Term of Life, with right to participate in Profits, is that under which the 
Jfe Insurance is conducted. 



rgedby 


the various Offices, for the Insurance o/£ioo on 


IfeallAy ot 


Select Lives, 


36 


87 


88 


89 


40 


46 


60 


66 


60 


TITLE. 


Qs. d. 
217 3 


£s. d 
219 3 


£s. d 

3 I 4 


£s. d 

3 3 6 


£s. d. 

3 Sio 


£s. d 
319 7 


£s. 
413 


d 
4 


£s. d 

S13 9 


£s. 

7 4 


d 
6 


Absolute. 


216 4 
289 


218 2 
2 10 5 


300 
212 I 


320 
2 13 II 


340 
2 15 10 


3 IS 6 
3 7 4 


411 

4 2 


3 
3 


S13 9 
S 211 


I 3 
611 


3 

4 


« - Abstainers and General. 


217 I 


218 9 


307 


3 2 S 


3 4 S 


316 


410 


9 


510 6 


617 


I 


Alliance. 


2 16 10 


218 4 


300 


3 I 9 


3 3 7 


314 6 


4 8 


8 


580 


614 


3 


Adas. 


2 15 II 


217 9 


219 7 


3 I 7 


3 3 9 


316 2 


412 


3 


514 2 


7 4 





British Empire Mutual. 


218 2 


300 


3 III 


3 311 


360 


318 2 


414 


3 


516 4 


7 7 


2 


British Equitable. 


217 II 


219 9 


3 I 8 


3 3 7 


3 S 8 


316 4 


412 





SIS 9 


7 7 


8 


British Life. 


2 16 9 


2 18 10 


3 010 


330 


3 S 3 


316 


411 


3 


5 14 10 


7 5 


7 


Brit Workman's & Genl. 


2 17 I 
2 12 I 


218 9 
213 9 


306 
2 IS 7 


3 2 s 
217 4 


3 4 6 
218 9 


314 6 
3 811 


4 8 
4 3 


6 
6 


S 9 6 

• • 


6 IS 


9 


Caledonian (A i). 
(A 2).» 


217 


2 18 10 


307 


3 2 6 


3 4 6 


31410 


4 9 


10 


512 9 


616 


4 


City of Glasgow. 


214 8 


216 6 


218 4 


302 


322 


312 4 


4 7 


4 


510 4 


7 I 


6 


Clergy Mutual. 


218 3 
238 


303 
252 


324 
269 


3 4 6 
2 8 5 


369 
2 10 I 


319 2 
219 5 


416 
312 


3 

2 


601 
410 I 


711 
513 


3 
5 


« - Clerical, Med. & Genrl. 


216 5 


218 


219 8 


3 I S 


332 


315 2 


4 9 


9 


512 


7 3 


3 


Colonial Mutual. 


217 3 


2 18 II 


308 


325 


342 


3 13 10 


4 7 


8 


5 9 2 


617 


8 


Commercial Union. 


214 3 


2 15 10 


217 8 


219 6 


3 I S 


313 I 


4 8 


4 


5 811 






Co-Operative. 


218 7 


302 


3 I 10 


3 3 7 


3 S S 


316 6 


411 


4 


5 10 II 


617 


4 


Eagle. 



Digitized by 



Google 



114 



COMPARATIVE RATES— WITH PROFITS. 



TITLE. 



16 



20 



26 



80 



81 



88 



84 



Economic i 

Edinburgh I 

English and Scottish Law i 

Equitable I 

Equitable (U. States)* . . . . i 

Equity and Law i 

Friends' Provident I 

General I 

Gresham I 

Guardian i 

Hand-in-Hand i 

Imperial 

Lancashire 

Law 

Law Union and Crown. 

L^al and General 

Liverpool & London & Globe 

Life Asso. of Scotland \ « 

London and Lancashire . . 

London Assur. Corporation 

Lond. Edinb. & Glasg. (A) 
(B) 

London Life Association* 

Marine & General Mutual. . 

Methodist & General* .... 

Metropolitan 

Mutual, New York* 

National (of Ireland) 

National Mutual 

National Mut., Australasia 

National Provident 

New York* 

North Brit. & Mercantile. . 

Northern 

Norwich Union 

Patriotic 

Peari* 



10 8 

13 I 
i8 o 

i8 7 
i8 3 
IS 6 

14 2 

15 10 

14 5 
12 o 
19 7 



14 8 

14 3 
16 2 
13 6 



II 10 
IS I 

15 7 

13 4 

7 10 



Pelican -I « 



{ 



14 5 

15 6 



17 2 

13" 
15 o 
IS o 

13 7 

14 o 
14 2 



£s. d. 
114 7 

117 4 
206 

237 

118 3 
201 

I 17 6 
I 19 I 
I 18 10 

1 17 2 

2 3 
118 
117 
1 19 
117 
204 
I 17 8 

I IS xo 
I 19 10 

1 19 2 

1 16 10 

2 9 10 
I 18 I 
1 17 o 
I 19 6 
I 19 I 
I 18 10 
203 

119 4 

1 17 2 
I 18 2 
207 

1 17 2 

118 3 
1 18 II 
I 18 9 



£s, d, 
1 19 o 

2 2 
246 
2 8 I 
2 2 
232 



1 3 

4 o 
3 3 

2 4 
711 
I II 

3 o 
3 8 
2 6 

5 I 
2 II 



240 
118 6 

2 010 

240 

234. 
2 on 

2 14 o 

2 3 I 
2 I 4 

4 o 

2 8 

3 I 

3 4 
I 3 

4 3 

1 o 

3 S 
310 
010 

2 II 

3 7 

233 
117 4 



£s, d 
243 
277 
296 

213 5 
279 
810 

5 9 
9 10 

9 o 
810 
2 14 2 
2 611 
286 

294 
284 
2 10 9 

293 
2 10 o 
235 
610 

9 6 
811 

6 4 

o 4 
810 
6 5 
9 9 
8 4 
8 7 

8 4 
6 8 

210 2 
267 

9 10 
9 o 
5 8 

8 8 

9 o 
811 



2 6 



£ s. d 

2 5 S 

2 810 
210 9 

214 7 
292 
210 I 
269 
2 II I 

210 s 

210 4 
2 IS 8 
282 
2 9 
2 10 
2 9 
212 

2 10 s 

211 o 
245 
280 

210 8 

2 10 2 
277 

3 1 10 
2 10 2 

277 

211 I 
298 
299 
297 
2 7 II 
2 II 6 
280 
2 II I 
210 3 
2 610 
2 10 o 
210 3 

2 10 2 
238 



£s,d 
268 

210 2 
2 12 I 

2 IS 9 
2 10 7 

211 6 
279 

2 12 s 
2 II 10 
2 12 o 
217 3 
29s 
2 10 9 
2 II 10 
2 10 10 

213 4 
211 9 
2124 
2 5 7 
293 
2 12 o 

2 II 6 

2 810 

3 3 4 
211 7 
2 811 
2 12 7 
211 I 
2 II 2 
2 10 10 
292 
2 12 II 
295 
2 12 s 
2 II 6 
280 
2 II 4 
2 II 7 

2 II 6 

2 4 10 



£ s. d 
280 

211 6 

213 5 
217 I 

2Z2 2 
2 12 II 

2 810 

213 9 
213 3 
213 6 
2 18 II 
210 8 
2 12 o 

213 3 

212 2 

214 8 

213 2 

2 14 o 
2 611 

2 10 8 

213 4 
2 12 II 
2 10 2 

350 

213 I 
210 3 
2 14 I 
2 12 6 
2 12 6 

212 2 
2 10 6 

214 4 
2 II o 
2 13 10 
2 12 II 
292 
2 12 9 

213 o 

2 12 II 
262 



£s, d. 

295 

213 o 

2 
2 
2 
2 
2 
2 
2 
2 

3 

2 
2 
2 
2 

2 

2 

2 
2 

2 

2 

2 
2 

3 

2 
2 
2 
2 
2 
2 
2 
2 
2 
2 
2 
2 
2 
2 

2 

2 



i^(/% Association of Scotland. — *New low rates of Premium, participating proportionately in Profits. 
EguitabU (U. States)^ the Mutual {New York\ and the New York.—* Premium is charged as at nearest birthday. 
London Life Association.—* Premiums calculated as at nearest birthcUw^Q I p 



COMPARATIVE RATES— WITH PROFITS. 



"5 



36 


87 


88 


89 


40 


46 


60 


66 


eo 


TITLE. 


C s, d. 


£ s. 


d. 


£ s. 


^. 


£ s. 


if. 


;^ s. 


^. 


£ s. 


d. 


£ s. d. 


£ s. d. 


£ s. d. 




2 12 6 


214 


2 


215 


II 


217 


9 


219 


9 


3 " 10 


476 


5 4 9 


6 8 I 


Economic 


2l6 I 


217 


9 


219 


6 


3 I 


3 


3 3 


2 


314 


2 


490 


5 9 I 


615 8 


Edinbuigh. 


2l8 o 


219 


8 


3 I 


S 


3 3 


3 


3 5 


2 


316 


4 


4 10 II 


5 10 


61S 5 


English & Scottiih Law. 


3 I 4 


3 210 


3 4 


6 


3 6 


2 


3 7 


II 


317 


II 


410 8 


5 6 4 


6 7 4 


Equitable. 


217 4 


219 


3 


3 I 


4 


3 3 


6 


3 5 


10 


4 


4 


5 I 4 


.. 


.. 


EquiUble (U. SUtes).* 


217 5 


2 19 





3 


9 


3 2 


7 


3 4 


6 


315 


7 


410 9 


512 6 


7 2 5 


Equity and Law. 


212 5 


213 


8 


215 


I 


216 


6 


218 


I 


3 7 





319 3 


416 8 


619 


Friends* Provident. 


2l8 2 


219 


10 


3 1 


7 


3 3 


5 


3 5 


4 


316 


8 


412 8 


511 8 


618 


General 


2l8 o 


219 


10 


3 I 


8 


3 3 


5 


3 5 


8 


318 





414 3 


516 3 


7 6 5 


Gresham. 


2l8 o 


219 


6 


3 I 


I 


3 2 


9 


3 4 


6 


315 


2 


4 9 3 


5 8 4 


614 6 


Guardian. 


3 4 3 


3 6 


2 


3 8 


2 


310 


3 


312 


5 


4 5 


9 


5 3 3 


6 5 2 


713 7 


Hand-in-Hand. 


215 o 


216 


8 


218 


4 


3 


2 


3 2 


I 


313 


2 


4 7 5 


566 


614 3 


Imperial 


216 6 


218 





2 19 


9 


3 I 


6 


3 3 


6 


315 





410 6 


510 6 


6 17 10 


Lancashire. 


217 9 


219 


5 


3 I 


2 


3 211 


3 4 


10 


316 


3 


411 


510 9 


617 6 


Uw. 


216 9 


218 


4 


3 





3 2 





3 4 





3 IS 


5 


4 910 


510 6 


616 




219 I 


3 


8 


3 2 


4 


3 4 


I 


3 5 


II 


316 


7 


410 9 


511 6 


619 5 


Legal and General 


218 


219 


9 


3 I 


7 


3 3 


7 


3 5 


6 


316 





411 3 


514 8 


7 5" 


Liver. & Lond. & Globe. 


2lg 4 
211 


3 
2 12 




8 


3 I 
214 


4 

2 


3 3 
216 


4 



3 S 
217 


4 
10 


317 
3 9 


4 



413 4 
440 


513 8 
5 4 3 


7 2 4 
612 


, Life Asso. of Scotland. 


215 2 


216 


II 


218 


8 


3 


6 


3 2 


4 


312 


5 


4 610 


5 9 I 


6 18 II 


London and Lancashire. 


2 17 10 


2 19 


5 


3 I 


2 


3 3 





3 4 


II 


316 


5 


411 5 


5" 5 


7 211 


Lond. Assur. Corporation. 


217 5 

214 8 


219 
2 16 


I 
4 


3 010 
218 


3 2 
2 19 


8 
10 


3 4 
3 I 


7 
9 


316 
313 


5 
3 


412 
486 


513 
5 9 I 


720 
617 4 


(A) Lond. Edinb. &Glasg. 
(B) 


310 4 


312 


4 


314 


4 


316 


6 


318 


10 


412 





5 8 4 


694 


716 


London Life Association.* 


218 X 


2 19 


II 


3 no 


3 3 


10 


3 5 


II 


317 


7 


411 II 


512 5 


700 


Marine & General Mutual. 


214 8 


216 


4 


218 


I 


3 





3 2 





313 


6 


4 610 


566 


680 


Methodist & General* 


2 19 I 


3 


9 


3 2 


7 


3 4 


5 


3 6 


4 


318 


II 


412 


514 


7 2 10 


Metropolitan. 


217 6 


219 


4 


3 I 


3 


3 3 


4 


3 5 


6 


318 


9 


416 9 


6 I 8 


716 2 


Mutual, New York.* 


217 


218 


9 


3 


6 


3 2 


3 


3 4 


3 


316 





411 7 


512 9 


7 I 8 


National (of Ireland). 


216 5 


218 


I 


219 


ro 


3 I 


8 


3 3 


7 


314 


II 


496 


5 9 4 


616 2 


National Mutual 


214 9 


216 


4 


218 





219 


9 


3 I 


6 


312 


4 


472 


5 9 I 


6 18 10 


National Mut., Austral. 


219 


3 


9 


3 2 


6 


3 4 


4 


3 6 


3 


317 


4 


411 I 


588 


611 10 


National Provident. 


2 16 


218 





3 





3 2 


2 


3 4 


5 


318 


2 


417 


632 


7 19 10 


New York.* 


218 6 


3 


2 


3 2 





3 4 


I 


3 6 


I 


316 


7 


411 II 


5 II 2 


616 2 


North Brit & Mercantile. 


217 4 


219 


I 


3 


9 


3 2 


8 


3 4 


8 


316 


2 


4 10 10 


510 8 


617 4 


Northern. 


213 2 


214 


7 


2 16 


I 


217 


9 


219 


6 


310 


7 


4 5 3 


5 5 I 


613 3 


Norwich Union. 


217 4 


219 





3 


9 


3 2 


6 


3 4 


5 


315 


[O 


410 4 


5 910 


616 4 


Patriotic. 


217 7 


219 


3 


3 I 


I 


3 3 





3 5 





3 16 II 


412 


5 12 10 


7 6 2 


Pearl* 


217 6 

210 5 


219 
212 


3 



3 I 
213 



8 


3 210 
2 15 4 


3 4 
217 


9 

2 


3 8 


5 
2 


411 7 
428 


511 8 
5 2 I 


619 2 


« -Pelican. 



Pearl.^* Fixed Surrender Value of 40 per Cent., after payment of Third Annual Premium. 
Pelican. — * Fixed Minimum Premiums ; Profit subject to deduction of ^x per cent, per annui^ . 
Methodist and GVn^ra/.— ^Business conducted under the auspices of the Salvation ArmyOQ Lc 



I 2 



ii6 



COMPARATIVE RATES— WITH PROFITS. 



TITLX. 



Provident 

Provident Clerks 

Provident Free Home . . . 
Prudential (Ordinary) . . . 
Refuge 



Rock. 



Royal 

Royal Exchange Assurance 
Sceptre 

Scottish Amicable .... 4 

Scottish Equitable .... J 
»i i> . . . . ( 

Scottish Imperial | « 

Scottish Life , 

(A) 

Scottish Metropolitan ] 
Scottish Provident | « 

Scottish Temperance • • -{ « 

Scottish Union and | * 
National ) t 

Scottish Widows* Fund. . . . 

Standard 

Star 

Sun Life 

Sun (of Canada) 

Union 

United Kent 

United King. Temperance 

Universal 

University 

Victoria Mutual 

Wesleyan and General . . 

Westminster and General 

Yorkshire 



16 



I 15 2 
I II II 



I 18 7 
I 17 o 
196 

IIS 6 

1 15 8 

1 13 1 

age a J 

117 4 
I 7 II 

1 10 9 
1 10 I 

115 I 

I 9 8 

I 13 8 
294 



114 5 



1 13 o 
I 12 o 

I 17 o 



1 13 2 

1 12 8 

1 14 2 
116 6 

113 3 

116 8 

1 14 o 
114 3 
113 3 
1 16 3 



20 86 80 81 82 88 



s, d, 

9 4 

6 I 
8 o 
711 

7 9 



244 
o I 

3 
3 
3 
8 
5 



S 8 

8 9 
411 

8 o 
5 o 

2 I 
711 

7 4 
611 

3 6 

8 5 

o 

7 4 

8 8 

1 5 
8 4 

8 2 
7 4 

9 7 



2 
2 
117 

2 4 
2 3 
2 2 

2 6 
114 

2 5 
114 

2 o 
117 

236 

I 1611 

1 16 10 
211 3 

1 18 o 

2 10 2 



M 



233 

1 17 6 

266 

2 2 II 
227 
226 

1 17 6 

2 2 II 

243 
227 

233 
2.5 9 

234 
2 2 10 
227 
2 310 



1 s. 

2 10 
2 6 



213 
2 9 



811 

8 8 



2 II 
119 

2 10 
118 



2 o 



2 14 8 

216 
213 o 

286 
238 

o 
3 

2 II 9 
2 811 
8 9 
9 
4 
8 

9 

810 
810 
2 10 9 

293 
289 
2 810 
291 



2 10 
2 I 



£ s. d. 
2 II 6 
277 
2 II o 
2 10 9 
2 10 7 

214 7 

210 3 
236 

211 o 

210 3 

2 9 10 

2 12 II 
200 

211 5 
1 19 8 

280 
226 

210 8 
2 3 I 

2 I 8 

215 7 

226 
213 9 
298 
248 

211 3 
220 

2 12 II 

2 10 I 

2 10 o 

2 10 6 

256 

2 911 

2 10 II 

2 10 o 

2 9 II 

2 II II 

210 7 

2 10 2 

2 10 o 

2 ID 4 



£ s. d 
213 o 
2 8 10 

2 12 6 
2 12 I 
2 12 O 



2 15 
211 
2 4 
2 12 
2 II 
2 11 

2 14 
2 I 

2 12 8 
209 

295 
238 

2 II II 

243 
228 

216 6 

^ 3 5 
214 8 

2 II o 
2 511 

2 12 9 
230 

2 14 2 

2 II 4 

211 4 

211 10 

270 

211 

2 12 

2 II 

2 II 

213 
2 12 
211 8 
2 II 4 
211 8 



£ s. d 

214 4 
210 3 
2 14 I 
213 6 

213 5 
2 17 I 
2 12 2 

259 

213 5 
2 12 II 
2 12 6 

215 5 
220 

2 14 o 
2 I II 

2 10 10 
2 410 

213 3 

256 

2 311 
217 8 



2 4 

2 15 

2 12 
2 7 

214 
2 4 



215 
2 12 
2 12 
213 

288 

212 8 

213 7 
2 12 9 
2 12 
214 
213 
213 



84 



£ s, d 
215 10 
2 II 9 
215 9 

2 15 o 

2 14 II 

218 5 

213 5 
270 

214 9 

214 4 

2 14 I 

2 16 9 
236 

2 15 5 
232 

2 12 5 
261 

214 8 

269 



212 8 

213 o 



J 



2 5 
2 16 

VI 

215 
2 5 
2 16 



214 

214 
2 14 II 
2 10 4 
2 14 2 
2 14 II 

214 3 

213 7 

215 6 
2 14 II 
2 14 10 

214 3 
214 5 



86 



£s.^ 
217 I 

213 I 

217 ( 
216 I 
216 < 

2I9K 

214 1 

2 8 i 

216 : 
2i5i( 

215 I 

218 i 
2 s < 

2l6l( 

2 4 I 

214 i 

2 7 < 

216 1 

2 8 1 

2 6 ; 

3 I 
2 6i( 

217 { 

215 : 
2 9 i 

217 c 
2 6 ( 

218 2 

215 i 
2 15 II 

216 I 
212 3 
2 15 s 
216 3 

2 15 J 

2I4I' 

2 16 II 

216 6 

16 (S 

21510 

2 15 " 



Rock.—'* Investment Policies— a8 Annual Payments. t Deferred Profits. 

Scottish AmicabU,—* Minimum Premium Scheme. 

Scottish Equitable.—* Immediate Bonus Plan. Digitized by LjOOQ IC 

Scottish ImperiaL—* Minimum Premium Scheme. O 

Scottish Z(^.*— <A)Low rates of Prem. entitling to participate in Profits, but proportionately longer than under ordinary™ 

"-cttisk Mttropolitan.—* Annual Premiums limited to ax Payments. 



COMPARATIVE RATES— WITH PROFITS. 



"7 



86 


87 


88 


89 


40 


46 


60 


66 


60 


TITLB. 


£s. d,, 


C s. d. 


£s. d 


£s. d 


Is. d 


Is. d 


£ J. d 


Is. d 


Is. d 




219 


3 010 


3 2 6 


3 4 4 


3 6 4 


317 4 


4 12 10 


513 6 


720 


Provident 


2 15 I 


2 16 xo 


218 9 


308 


3 2 8 


316 I 


412 2 


517 4 


711 7 


Provident Clerks. 


219 3 


3 I I 


3 211 


3 410 


3 610 


318 4 


413 9 


514 5 


7 6 7 


Provident Free Home. 


218 4 


302 


320 


3 3" 


3 5" 


316 6 


411 II 


515 4 


7 611 


Prudential (Ordinary). 


2i8 2 


300 


3 1 10 


3 3 9 


3 5 9 


316 6 


411 9 


515 2 


7 6 8 


Refuge. 


3 I 4 
215 9 
298 


3 210 
2 17 X 
2 II I 


3 4 6 
218 5 
212 7 


362 
2 19 10 
214 3 


3 7" 
3 I 4 
21511 


3 17 II 
3 910 

3 7 9 


410 8 
4 I 4 

4 I 2 


564 


6 7 4 

• • 


* Rock. 

t 


217 7 


2 19 I 


308 


324 


3 4 I 


314 6 


4 8 3 


510 6 


7 I 3 


Royal. 


217 5 


2 19 I 


3 on 


3 211 


350 


317 


412 7 


513 9 


726 


Royal Exchange Assur. 


217 4 


2 19 


3 010 


329 


3 4 8 


315 4 


410 6 


513 4 


7 4 6 


Sceptre. 


219 8 
260 


3 I I 

276 


3 211 
290 


3 4 5 
210 6 


3 6 3 
212 


316 3 
3 1 


410 I 
313 


511 
414 


700 
600 


« Scottish Amicable. 


218 5 
2 5 xo 


300 
273 


3 I 9 
2 810 


3 3 6 
210 5 


3 5 5 
212 2 


316 7 
326 


410 9 
3 15 10 


5 910 
414 3 


615 5 
519 3 


/ Scottish Equitable. 


215 9 
289 


217 7 
2 10 2 


219 5 
211 7 


3 I 4 
213 2 


3 3 5 
2 14 II 


315 8 
3 5 9 


411 7 
430 


5 12 10 
5 3 


7 I 6 
610 8 


» - Scottish ImperiaL 


217 7 


219 2 


3 010 


327 


3 4 6 


31510 


410 5 


510 6 


616 6 


Scottish Life. 


296 


2 II 


212 7 


214 3 


216 


366 


408 


5 I 


658 


(A). 


280 
3 I 6 


296 
3 211 


211 I 

3 4 4 


212 9 
3 5" 


214 7 
3 7 7 


3 5 4 
317 2 


319 7 
4 9 7 


419 
5 6 7 


6 6 I 
611 


« Scottish Metropolitan. 


282 
2 19 


298 
303 


211 3 
3 1 7 


2 12 II 
330 


214 9 
3 4 6 


3 5 9 
314 


4 8 7 


5 i" 

5 611 


6 6 7 


♦ Scottish Provident. 


2 16 9 

2 IX I 


218 4 
2 12 6 


3 I 
2 14 I 


3 X 10 
215 8 


3 3 9 
217 5 


315 
3 7 6 


4 910 

4 GIG 


5 % I 
418 8 


6 16 10 
6 3 2 


» - Scottish Temperance. 


218 6 
280 


300 
296 


320 
211 


3 3 6 
212 6 


3 5 
2 14 6 


315 
360 


4IG 
4 I G 


5 II 
500 


700 
610 


•\Scottish Union and 
tj National. 


219 9 


3 I 3 


330 


3 4 6 


3 6 3 


316 4 


41G 7 


513 8 


7 4 9 


Scottish Widows' Fund. 


2x7 3 


2 18 II 


3 8 


326 


3 4 5 


314 6 


490 


511 2 


7 I 


Standard. 


217 6 


219 3 


3 I I 


330 


3 411 


315 5 


410 6 


513 7 


7 4 9 


Star. 


2 18 5 


304 


324 


3 4 5 


366 


317 8 


414 2 


5 19 II 


7 14 II 


Sun Life. 


2 14 2 


216 


218 2 


304 


3 2 8 


316 8 


415 4 


608 


715 6 


Sun (of Canada). 


217 4 


219 


309 


327 


3 4 6 


316 


4 10 10 


511 I 


709 


Union. 


217 7 


219 


307 


324 


3 4 3 


315" 


410 5 


596 


616 7 


United Kent 


217 6 


219 3 


3 I I 


330 


3 4" 


315 5 


410 6 


513 8 


7 4 9 


United King. Temperance. 


216 5 


218 


219 7 


3 I 3 


330 


312 8 


488 


510 3 


619 9 


Universal. 


218 4 


219 9 


3 X 4 


3 211 


3 4 7 


314 I 


4 7 6 


5 5 4 


6 7 4 


University. 


218 2 


2 19 10 


3 1 7 


3 3 7 


3 5 7 


317 2 


413 


5 16 


7 7 I 


Victoria Mutual. 


218 4 


3 3 


3 2 3 


3 4 4 


366 


319 5 


416 3 


518 3 


7 7 4 


Wesleyan and General. 


217 6 


2x9 3 


3 I 2 


3 3 3 


3 5 


315 5 


410 6 


513 8 


7 4 8 


Westminster and General. 


217 6 


219 3 


3 I 


3 210 


3 4 9 


316 4 


411 7 


512 


61911 


Yorkshire. 



Scottish Provident.—* Annnal Premiams limited to as payments. 

Scottish Temforance.—* Rates for Total Abstainers. 

Scottish Union and NtMonal.—* Early Bonus Scheme, t Deferred Bonos Schemf^Q [^ 

Sun Lift. — * Bonus to those who attain the age of 70 and upwards. o 

(For Rates — Without Profits, see following pages.) 



ii8 LIFE INSURANCE: COMPARATIVE RATES OF YEARL 

Annual FrenUum (for Agt next Birthday) payable during Life, charged by t 



TITLE. 



Alliance 

Atlas 

British Empire Mutual .... 

British Equitable 

British Life 

British Workman's & Genrl. 

Caledonian 

City of Glasgow 

Clerical, Med. & General 

Commercial Union 

Eagle 

Economic 

Edinburgh 

English and Scottish Law. . 

Equitable 

Equity and Law 

General 

Gresham 

Guardian 

Hand-in-Hand 

Imperial 

Lancashire 

Law 

Law Union and Crown. . . . 

Legal and General 

Life Asso. of Scotland* . . 
Liverpool & London & Globe 
London and Lancashire 
London Assur. Corporation 
London^ Edinb. & Glasgow 
London Life Association* . 
Marine & General Mutual. 

Metropolitan 

Mutual, New York* 

National (of Ireland) 

National Guardian 

National Mutual 

New York* 



£s, d. 
192 
1 10 I 

I 8 2 



16 



196 
I 7 I 
1 10. 6 
I 9 4 
I 7 7 
1 10 o 
I II 2 

190 
1 10 6 
I 8 4 
I 8 3 



I 8 S 
I 811 
I 9 10 



192 
192 



I 12 o 



I 8 o 
192 
I 8 9 
I 12 7 



20 



£s. d, 

13 8 

14 5 

12 8 

15 3 

13 7 

13 2 

12 o 

10 o 

14 o 

13 8 

11 2 

14 4 
13 5 

13 o 

13 8 

12 8 
12 o 

14 o 

13 10 

15 5 
12 6 

12 2 

13 8 
13 2 
12 5 

12 10 

13 7 

14 5 
13 2 
13 o 
13 I 

12 3 

12 7 

13 2 
12 7 



26 



s, d. 
6 3 



o 
3 
9 
7 
o 
I 
o 

2 

5 
3 

I 
2 
o 
o 
Sio 
8 o 
7 o 

6 5 

7 10 
6 7 

5 6 

6 7 
511 

7 7 



211 

6 I 

7 2 
6 2 
2 7 



80 



£s, d, 
209 
2 I 5 
1 19 10 
2 5 4 
242 
230 
2 o 10 
210 

1 18 10 

237 
208 
119 9 
219 

2 I 8 
201 
203 

234 
228 

2 I 4 
225 
212 
208 
2 I 10 
206 
220 

I 4 

1 8 

2 II 
I I 

3 9 
2 010 
200 
212 

1 17 6 

2 I 4 
228 
2 010 
I 17 2 



81 



£s, d. 
2 I II 
226 
210 
267 
254 
243 
220 
220 
1 19 II 
248 
2 1 9 
2 010 
2 2 II 
2 2 10 
2 I 3 

2 I 4 
246 
240 

2 7 

3 5 

2 3 
I 10 

3 o 

1 6 

3 2 

2 4 
2 10 

4 o 
2 3 

2 4 II 
220 
211 
222 
118 6 
226 

239 
220 
I 18 5 



82 



,£s, d. 

230 

3 8 

2 2 
280 
266 

5 5 

3 2 
3 o 

1 I 

5 9 

2 10 

2 o 
2 4 I 
2 4 I 
225 
226 

5 8 

5 3 

3" 

246 

* 3 5 
2 3 I 

243 
227 

243 
235 
241 

5 2 

3 5 

6 2 

3 2 

2 2 

3 3 

1 19 8 

239 

2 4 II 
232 
119 7 



88 



J. d. 

4 3 
410 

3 4 



611 
4 o 



Is. d. 
256 
2 6 
2 4 
210 

2 9 
7 
5 
5 
3 
8 

5 
4 
6 
6 
5 



610 
6 8 



3 
8 

7 
4 
6 
8 
6 
8 
5 
5 
8 
6 
4 
5 
5 
o 10 

5 o 

6 I 

4 5 
010 



84 



411 
8 2 
8 3 
6 9 
611 
510 

5 7 
610 
410 

6 8 
S" 

6 9 

7 9 
5" 
811 

5 8 

4 8 

5 8 
2 I 

6 5 

7 5 
5 8 
2 o 



36 



£ s. d, 

2 6 10 
275 
260 
2 12 4 
2 10 8 
290 

7 o 
6 6 

5 I 
9 61 

6 71 

5 9 
711 

8 I 

6 6 

6 4 

9 6 
9 10 

8 3 

8 2 

7 2.' 
6 10 

8 3 

6 I 
8 o 

7 I 

8 I 

9 I 
7 4 

2 10 4 
270 

6 o 

7 o 
3 5 
7 9 
810 

7 I 
2 3 5 



Life Association 0/ Scottand.—* These Premiums give right to participate in Profits, but not to so large an extent as tbi 
higher participating rates. 

London Life Association.— '*'Pttmhxva& calculated as at nearest birthday. 



'REMIUM WITHOUT PARTICIPATION IN PROFITS. 

<ttrious Offices, for the Jmuranee of £lOO oh Healthy or Select Lives. 



119 



36 



87 



88 



89 



40 



46 



60 



66 



60 



TITLE. 



is, J. 
2 8 3 

2 810 
2 7 5 
213II 
212 2 

2 10 8 

286 
2 8 O 
267 
2 10 XI 
280 
272 
2 9 5 
297 
2 7 II 
279 
2 10 10 

211 5 
299 
296 
287 
284 
299 
276 
295 
288 
297 
2 10 7 
289 
2 11 10 
286 
275 
284 
2 410 

2 ID 4 
286 
2 410 



£ s. d, 
299 
2 10 3 
290 
215 7 

213 9 
2 12 6 
2 10 o 
296 
282 
2 12 5 
296 
289 
2 ton 

2 II 2 

295 
293 
2 12 4 
2 13 O 
211 3 
2 10 1 1 
2 10 I 
2 9 II 
211 3 
290 
2 10 II 

210 3 

211 X 
2 12 2 
210 3 

213 5 

2 10 O 
2 811 
299 
263 
2 10 10 
2 II 10 
2 10 O 
262 



£s. d. 
211 5 
2 II II 

210 8 
217 4 
215 6 
214 4 

211 8 
211 o 
2 910 
2 13 II 

211 I 
2 10 5 

212 7 
212 10 
2 II I 
2 10 10 
2 13 10 

2 14 10 
2 12 II 
212 5 
211 8 

211 6 

212 II 

210 6 
212 6 

211 8 

212 8 

213 9 
211 II 

215 I 

211 8 

210 6 
2 II 3 
2 7 10 

212 6 

213 6 

211 8 
280 



£s. d 
213 2 

213 7 

212 4 
219 2 

217 3 
216 3 

213 4 
212 6 

211 7 
215 6 

212 9 
2 12 I 

2 14 3 

214 7 
212 9 

212 7 

215 8 
2 16 10 
214 8 
2 14 o 

213 4 

213 3 

214 7 

212 2 
214 2 

213 5 

214 4 

215 5 
2 13 10 
2 16 10 

213 4 
2 12 2 
2 12 10 
296 

214 2 

215 2 

213 5 
297 



£s. 
215 

2 15 

214 

3 I I 
2 19 I 
218 3 

215 2 
214 6 

213 5 
2 17 2 

214 7 
2 13 10 
2 16 2 

216 5 
2 14 6 

214 6 

217 9 
2 18 10 
2 16 6 

215 8 

215 2 

214 9 

216 4 
2 14 o 
216 o 

215 2 

16 I 

17 2 
15 6 

18 9 

15 2 
14 o 

14 6 

II 3 

16 o 
1611 

15 3 
I 5 



£s. d 

3 5 9 
360 
352 
312 4 
8 9 
710 
510 

5 6 

3 4 

6 o 
5 6 

4 8 
610 

7 2 

5 I 
5 3 

390 
3 10 10 
3 7 3 



5 
5 
5 
7 
5 
6 

5" 

6 2 

6 5 

6 4 
310 o 
3 5 8 

4 8 

5 4 

1 10 

7 o 

6 I 
510 

2 5 



£s. d 

319 9 
319 9 
319 4 
4 7 3 
4 210 
416 
319 
4 I 
317 
318 
319 8 

319 4 
4 010 

4 I 4 

3 18 II 

319 3 
446 

4 610 
4 I 4 
318 
319 
319 
4 I 
319 
4 o 
4 o 
319 



H8 

H8 
M8 



319 8 
4 o 
4 5 
319 
318 
319 
316 
4 I 
319 
319 8 

317 7 



£ 

4 

4 

4 

5 7 

5 4 

5 2 

418 

5 o 

416 

418 

418 9 
417 9 

419 9 
500 

417 5 

418 5 
5 410 
5 8 5 
5 I o 
41711 
41711 

418 10 

41911 

419 o 
419 2 
4 19 II 

418 3 
500 

419 6 

5 5 I 

4 18 o 

417 9 
419 2 
416 2 

5 I 4 
419 8 

418 3 
418 5 



£s. d 

6 411 
642 

6 5 3 

616 3 
612 II 
610 o 

6 4 
6 
I 
4 
4 
I 

5 
5 

2 
6 4 
610 

617 10 
672 



310 
4 8 



6 
3 
7 
5 
6 12 

6 3 



311 
8 6 
611 
3 7 
7 7 



Alliance. 

Atlas. 

British Empire Mutual 

British Equitable. 

British Life. 

Brit. Workman's & GcnrL 

Caledonian. 

City of Glasgow. 

Qerical, Med. & General. 

Commercial Union. 

Eagle. 

Economic 

Edinburgh. 

English and Scottish Law. 

Equitable. 

Equity and Law. 

General 

Gresham. 

Guardian. 

Hand-in-Hand. 

Imperial. 

Lancashire. 

Law. 

Law Union and Crown. 

Legal and General. 

Life Asso. of Scotland.* 

Liver. & London & Globe. 

London and Lancashire. 

Lond.Assur. Corporation. 

London, Edinb. & Glasg. 

London Life Association. * 

Marine & General Mutual. 

Metropolitan. 

Mutual, New York.* 

National (of Ireland). 

National Guardian. 

National Mutual. 

New York.* 



Mutualt Ntw York and New York,—* Premimn is charged as 



»*[^ffi!?M3^K!^Ogle 



120 



COMPARATIVE RATES— WITHOUT PROFITS. 



TITLl^. 



16 



20 



86 



80 



81 



82 



88 



84 



North Brit. & Mercantile. . 

Northern 

Norwich Union 

Patriotic 

Pearl 

Pelican . . . / 

Pioneer 

Provident 

Provident Clerks' 

Provident Free Home .... 
Prudential (Ordinary) .... 

Refuge 

Rock 

Royal 

Royal Exchange Assurance 

Sceptre* 

Scottish Equitable 

Scottish Temperance.*. • . . 
f} »> T» • • • 

Scottish Widows* Fund 

Standard 

Star 

Sun 

Union 

United Kent 

United King. Temperance 

Universal 

University 

Victoria Mutual 

Westminster and General. . 
Yorkshire 

Post Office (Gov.) Life In. 



I 9 3 

I 9 9 

I II o 

I 8 6 

I 8ii 

I « 3 

I 8 8 

I 8 9 



I 5 6 
I 9 8 
I 910 

I 9 4 
I 8 6 

I 8 7 

190 
I 8 o 
170 
I II 6 
I 911 
I 8 5 
I 6 3 
I II 3 
I 8 5 
198 

I 8 6 



1 12 II 



14 o 

10 o 

13 o 

14 3 
16 4 

13 9 

12 6 

9 3 

12 I 

12 5 
12.8 

11 8 

11 S 

15 6 

13 7 

12 6 
10 5 
15 2 
II 10 
12 6 

1 13 o 



£s. d, 

17 6 
17 
IS 
15 
17 
16 

IS 
17 
16 

19 4 

18 II 
18 9 

14 3 

16 8 

17 I 

18 9 

16 3 

16 4 
12 8 



16 
15 

17 
16 

15 
18 
18 
16 
14 
19 
16 5 
16 I 



1 17 6 



£s. d. 
230 
219 
200 

119 9 
223 
2 I 5 
1 19 II 
226 
219 
249 
247 
246 

1 19 10 

2 I 8 
2 I 8 
219 
209 
2 I 6 
117 4 
220 

1 19 6 
228 
222 

2 I 4 
229 
2 311 
217 
119 4 

253 
2 I 8 
209 

23 o 



£s. d. 
2 4 I 
2 211 
212 
2 010 

2 3 5 
227 
211 
2 3 8 
2 210 
2 5 10 
259 
2 5 8 
2 I I 
228 
2 2 10 
229 
2 1 10 

228 
118 5 

230 
208 
3 9 
3 3 
2 7 
310 
250 
229 
207 
265 
228 
2 1 10 



£s. d.£ 
5 3 2 
4 I 



224 
2 2 I 
248 

239 
223 
2 410 
240 
2 610 
2 611 
2 611 
225 
238 
240 
2 310 
2 2 II 

2 310 
119 5 

242 

2 I 7 

2 4 II 

246 

2 310 



5 o 

6 3 
311 

1 10 

7 8 
310 

2 II 



J. d. 
6 5 

5 4 
3 8 
3 3 

6 o 
5 o 
3 6 
.6 2 
5 3 
711 
8 2 
8 2 

3 9 
5 o 
5 3 

4 9 
4 2 



£s. 
2 7 



I 
7 
4 
o 
2 

9 

I 
2 
6 
2 
I 
o 
I 
4 2 



240 



256 



266 



2 9 
2 9 
2 9 



5 
6 
6 
6 

5 
6 

I 

6 

4 
7 
7 
6 

7 

810 
6 6 

4 4 
210 5 
264 
2 5 5 

280 



292 
8 c 

6 e 

6 c 

8 £ 

7 9 

6 I 

9 o 

8 1 
2 10 7 

2 II o 

2 10 10 
269 

7 8 
7 10 
7 2 
6 9 



ASSESSMENT & NATURAL-PREMIUM 
Life Oppicbs. 

British Natural-Premium! 
Provident Assoc., Ltd.*/ 

Mutual Reserve Fund Life 1 
Association, New York j 



Estab. 
1891 

1881 



I 5 9 
I II o 



I 8 8 
1 12 6 



192 
1 13 o 



I 9 8 
I 13 6 



I 10 2 
1 14 o 



I 10 9 
1 15 o 



^c«//rv.— *Eiititled to share in Profits on the insured attaining the expectancy of h'fe. 
Britith Natural'Prrmium.—^^Svihjtct to Entrance Fee of ;Si. xo*. 6d, for ;Cxoo and graduated upwards. 



COMPARATIVE RATES— WITHOUT PROFITS. 



121 



36 



87 88 



89 



40 



46 



60 



66 



60 



TITLX. 



2IO 
2 9 
2 8 
2 7 
2IO 
2 9 
2 7 
210 
2 9 
2 12 
212 
2 12 
2 8 
2 9 
2 9 
2 8 
2 8 
2 9 
2 4 
2 9 
2 7 
2 lO 
2 9 
2 9 
2 lO 
2 II 
2 9 
2 7 
1213 
\2 9 
2 8 



if, 

8 
6 
o 
6 
I 
3 
7 
6 

7 
o 
6 
4 
4 
o 

3 
6 

2 

3 

4 

5 
o 

4 
9 
5 
3 
9 
4 
o 

4 
I 
2 



;f ^. ^. 
2 12 2 
2 II I 
296 
291 
2 II 
2 10 
2 9 
2 12 
2 II 

2 14 2 
2 14 O 
2 10 O 

2 10 8 

2 10 10 
2 10 O 
298 

2 10 10 
259 
2 II O 
288 
2 II 10 
211 3 
2 10 II 
2 II 9 

213 4 
2 10 10 
289 
2 14 II 

210 7 
2 9 S 



211 O 



213 O 



2 13 10 
2 12 8 

211 O 

210 9 

213 3 

212 S 
2 10 9 
2 13 10 
2 12 II 

215 6 

2 15 10 
215 9 

211 6 
2 12 4 

2 12 S 
2 11 10 
2 II 4 

2 12 5 
272 

2 12 7 

2 10 4 

213 5 

2 12 10 
2 12 6 

213 4 
215 O 

2 12 5 

210 3 

2 16 7 

2 12 2 

211 3 

214 6 



215 
2 14 
2 12 
2 12 
215 
214 
2 12 
215 
214 
2 17 
2 17 
2 17 
213 
2 14 

214 

213 

213 

214 
2 8 

2 14 

2 12 

215 

214 

214 

215 

216 

214 

211 

218 

213 

2 12 



216 6 



£s. 
217 

2 16 
214 
214 
2 16 
2I5II 

214 4 
217 
216 
219 
219 
2 19 
214 

215 8 
2 16 o 
215 8 
2 14 10 

215 10 
210 3 

2 15 II 

2 14 o 

216 10 

216 2 
21511 

217 o 

218 5 

2 IS 10 

2 13 10 

3 o I 
215 7 

214 8 

218 o 



£s. 
319 

4 I 

4 
4 

4 
4 



319 

4 
4 



811 
810 
5 9 



6 4 

6 9 

6 9 

5 5 

6 8 
o o 

510 
5 o 



2 10 

3 o 
2 10 
2 9 



319 



4 010 
312 9 



711 
6 4 

4 6 
10 9 

510 

5 2 



396 



4 o 
319 
319 
318 
4 I 
4 I 
4 I 
4 o 
319 
4 5 
3 19 10 

319 I 
440 



500 
506 
500 
419 I 

5 010 
506 
418 II 
522 

5 

3 

3 

3 

I 

o 

419 

5 2 

418 

5 o 
4 10 

419 6 

418 10 

419 5 
418 6 

5 I 7 

5 O II 

5 2 4 
418 
417 
5 6 
5 o 
418 



5 4 



£s. d. 
6 3 I 
667 
664 
6 510 
612 6 
672 

6 5 5 

6 8 8 

7 4 
6 12 
612 
6 12 
6 6 
6 7 
6 5 
610 10 
6 310 
669 
514 
6 6 

5 
6 
6 

8 9 
611 
610 3 

639 
610 
6 14 10 
676 
6 310 

610 6 



North Brit. & MercanUle. 

Northern. 

Norwich Union. 

Patriotic. 

Pearl. 

Pelican. 

Pioneer. 

Provident. 

Provident Clerks'. 

Provident Free Home. 

Prudential (Ordinary). 

Refuge. 

Rock. 

Royal. 

Royal Exchange Assur. 

Sceptre.* 

Scottish Equitable. 

Scottish Temperance.* 

Scottish Widows' Fund. 

Standard. 

Star. 

Sun. 

Union. 

United Kent. 

United King.Temperance. 

Universal. 

University. 

Victoria Mutual. 

Westminster and General. 

Yorkshire. 

PostOffice (Gov. ) Life In. 



1 12 4 
1 17 o 



I 13 4 
I 18 o 



I 14 2 
I 19 6 



I 14 1 1 
210 



I 15 6 
220 



207 
2 10 6 



2 10 7 

3 5 



342 
496 



472 
690 



ASSESSMENT & NATURAL-PREMIUM 
Life Orricss. 

/ British Natural-Premium 
\ Provident Assoc. , Ltd. * 

/ Mutual Reserve Fund Life 
\ Association, New York. 



Scottish Ttmptranct—* Deferred Bonus. t Total Abstainsfg.by V^jOOQ IC 



122 ENDOWMENT LIFE ASSURANCE— WITH PROFITS. 

Table showing the Annual Premiums per cent, far Assuring I 



Age at Entry next Birthday 



26 



30 



Payable at Age. 



60 



Title. 
Abstainers and General 

Alliance 

Atlas 

British Empire Mutual... 

British Equitable 

British Workman's & Genl. * 

Caledonian 

City of Glasgow 

Clergy Mutual 

Clerical, Medical & General 

Colonial Mutual* 

Commercial Union 

Eagle 

Economic 

Eklinburgh 

English and Scottish Law 

Equitable 

Equitable, U.S.* 

Equity and Law 

Friends' Provident 

General 

Gresham 

Guardian 

Hand-in-Hand 

Imperial 

Lancashire 

Law Life 

Law Union and Crown.... 

Legal and General 

Life Association of Scotlandl 
Liverpool & Lond. & Globe* 
London and Lancashire 
London Assur. Corporation 
London, Edinburgh & Glasg, 

London Lifef , 

Marine and General , 

Mutual of New York* , 



3" 9 

316 S 

318 3 

318 5 

319 o 

319 9 
315" 
400 
3 17 II 
31911 

312 7 
403 
3 17 10 

313 8 

317 4 
319 5 

317 4 

318 4 

315 9 
400 

314 o 

3 15 10 

4 411 
314 o 

317 o 

316 o 

318 o 

318 4 
3 16 10 
3 18 II 
318 2 
3 17 II 

317 5 
415 o 

318 I 
3 18 II 



66 



£s. d. 
219 s 
3 3 9 
S 7 

4 3 

5 6 
610 

3 I 

6 6 

3" 

5 2 
I o 

6 7 
Sio 
I 6 

4 2 
6 7 
4 7 



3 5 3 
3 3 5 
3 5 7 
320 

3 4 5 
3" 8 
308 

4 

4 

5 

5 

4 



510 
4 7 



60 66 



£s. d. 

2 II 2 

215 7 

217 s 

215 4 

2 16 9 

214 7 

2 18 o 

214 4 

215 7 
213 6 

217 7 

218 o 

213 9 

215 8 

2 18 o 

2 16 I 



216 8 

215 2 

2 18 4 

2 14 6 

2 17 o 

3 211 
211 8 
2 16 6 
2 16 I 

16 6 

16 8 
15 6 

17 4 

15 6 
17 6 

17 I 

10 4 

16 9 



60 



216 6 



£ s, d, 
259 

2 10 4 
2 12 2 

295 
2 10 10 

2 810 
2 12 6 
276 
291 

2 II 5 
2 12 9 
290 
2 10 I 
2 12 2 

210 3 

2 10 10 
295 
213 4 
2 9 II 
2 12 3 
2 17 o 
267 
2 10 6 
2 10 10 
2 10 6 
2 10 10 
2 10 7 

211 8 

295 
2 12 10 

2 12 o 

3 3 8 
2 10 10 
2 10 7 



]fis, d, 

413 2 

418 7 
506 
5 on 
5 2 4 
5 310 

417 6 
520 

419 6 

5 5 I 

4 12 

5 4 
418 

415 
5 o 
5 o 
419 8 
5 I 10 
5 010 
416 8 
540 

417 
419 

5 5 
414 
419 
417 
5 o 
5 010 

418 5 
5 I 
5 2 
5 o 
419 
517 
5 o 
5 III 



66 



£s, d, 
314 I 

318 7 

405 

319 4 
4 1 2 
428 

3 17 10 
420 

318 7 

4 I II 

314 6 
427 

319 4 

315 9 
319 8 
408 
319 2 

404 

317 3 
4 I 10 
3 16 II 

3 17 10 

4 510 
314 3 
319 
318 
4 o 
4 o 
319 
4 on 
408 
4 o 
319 
416 
4 o 
4 o 



60 



£ s. d. 
3 2 I 
364 
3 8 3 
3 6 I 
3 8 I 
396 
3 5 6 
390 
3 5 I 
3 7 8 
3 3 3 
392 

3 7 9 
342 
3 610 
384 
3 610 

3 7 9 
3 410 
310 o 
3 5 4 
369 
3 12 II 

3 I 3 

7 

6 

7 
7 
7 
8 

7 
8 

7 

2 

7 
7 



66 



50 



£s. d, 

214 4 
218 
3 o 
2 17 
2 19 



2 17 

3 I 
2 16 
218 

2 16 

3 o 
304 
2 17 I 
2 18 10 

303 
218 9 

2 19 8 

2 16 II 

3 3 I 

218 5 

2 19 10 

3 411 
213 7 
2 19 6 
2 19 I 
2 19 6 

219 8 

2 18 10 
306 
218 

3 I 
3 o 
313 
218 
219 



6 7 
616 
618 

7 

7 I 5 
7 5 9 

613 2 

618 
615 I 

7 7 7 

611 

7 3 I 

612 I 
611 5 

619 3 

615 

617 3 
7 2 I 

618 4 
6 II 10 

7 4 9 

616 
618 4 
704 

6 9 3 

615 

611 % 

616 3 
618 4 

614 2 

617 6 

7 on 

618 4 
6 15 10 
711 8 
618 7 
7 010 



* Life Offices marked thus * specify a given number of 
London Li/e.—\ Age nearest Birthday. 



ENDOWMENT LIFE ASSURANCE— WITH PROFITS. 123 

H payable at a given Age^ or earlisr sMauld Death intervene. 



35 


40 


46 




55 


60 


66 


66 


60 


66 


66 


60 


66 

£s. d 


Payable at Aga 


r. d.^ 


€ s. d. 


;f ^. d. 


I s. d 


£s. d 


£s. d 


;f ^. ^. 


£s, d 


Title. 


5 6 


317 


3 5 8 


610 5 


419 


4 I 6 


917 5 


6 14 II 


5 411 


Abstainers' and General. 


I 


4 I 6 


3 9" 


618 8 


5 4 5 


4 510 


1015 


732 


5 10 I 


Alliance. 


211 


4 3 5 


311 10 


708 


5 6 4 


4 7 9 


10 17 2 


7 5 2 


512 


Atlas. 


210 


4 I 10 


3 9 4 


7 210 


5 6 2 


4 6 2 


.. 


770 


511 7 


British Empire Mutual. 


410 


442 


311 9 


7 4 4 


5 8 4 


4 8 7 


II 211 


7 8 3 


513 7 


British Equitable. 


6 2 


460 


312 6 


786 


586 


4 10 10 


II 7 


711 4 


512 6 


Brit. Workman's &Gen.» 


9 S 


406 


3 8 9 


615 7 


529 


446 


10 7 2 


6 19 10 


5 710 


Caledonian. 


4 


446 


312 6 


700 


5 7 


486 


10 1 1 


7 4 6 


512 6 


City of Glasgow. 


5 


402 


3 7 3 


616 4 


5 2 6 


430 




619 3 


5 6 5 


Clergy Mutual. 


7 7 


4 5 I 


311 6 


710 I 


51011 


4 9 4 




714 7 


516 6 


Clerical, Medical & Genl. 


[5 6 


3 17 II 


3 7 6 


613 7 


4 18 10 


4 2 I 




618 I 


550 


Colonial Mutual.* 


6 I 


4 5 I 


311 10 


7 5 7 


5 9 


486 




7 711 


511 10 


Commercial Union. 


[910 


4 I 7 


310 9 


614 3 


529 


4 5 5 


10 3 6 


618 3 


5 7 9 


Eagle. 


17 3 


318 9 


3 8 I 


614 3 


5 I 5 


4 311 


10 8 8 


619 8 


5 8 3 


Economic. 


210 


4 2 6 


310 4 


7 III 


5 6 2 


469 


II 


7 5 6 


511 I 


Edinburgh. 


2 


432 


311 5 


617 2 


5 5 


4 611 


10 6 3 


709 


5 9 9 


English & Scottish Law. 


I 7 


418 


3 910 


619 6 


5 4 6 


4 5 3 


10 15 6 


7 3 3 


5 9 3 


Equitable. 


4 8 






7 510 


5 9 4 






712 2 


517 3 


Equitable, U.S.* 


3 I 


432 


311 2 


7 010 


564 


4 7 4 




7 5 2 


511 9 


Equity and Law. 


18 2 


3 18 10 


3 7 


613 5 


4 19 II 


4 I 3 


10 4 5 


615 4 


5 2 7 


Friends' Provident. 


6 4 


4 5 9 


314 6 


772 


5 9 6 


490 


II 811 


7 II 


515 


General. 


5 


408 


3 9 9 


6 19 10 


5 410 


4 511 


.. 


7 5 6 


511 7 


Gresham. 


I 7 


4 QIC 


310 


7 I 


5 5 


452 




7 5 6 


510 8 


Guardian. 


7 4 


484 


316 2 


7 2 3 


510 7 


412 I 


10 10 8 


7 511 


515 I 


Hand-in-Hand. 


15 6 


315 9 


3 3 5 


6 10 II 


417 8 


318 6 


10 I 6 


6 14 


5 I 9 


Imperial. 


I 


420 


310 6 


617 


5 310 


460 


10 10 


7 I 


5 10 


Lancashire. 


19 3 


410 


3 9" 


614 4 


5 2 7 


4 5 I 


10 4 7 


618 7 


5 710 


Law Life. 


2 8 


430 


311 


619 I 


5 5 6 


4 7 3 




7 3 6 


511 6 


Law Union and Crown. 


3 I 


432 


311 2 


7 010 


5 6 4 


4 7 4 




7 5 2 


511 9 


Legal and General. 


9 


4 2 I 


311 I 


6 16 10 


542 


466 


10 9 2 


7 I 4 


510 


Life Assoc, of Scotland. 


3 3 


4 3 9 


3 12 2 


7 5 


5 6 8 


483 


10 14 10 


7 411 


512 7 


Liv'pool&Lon.&Globe.* 


4 


4 2 II 


310 2 


7 3 9 


5 611 


468 


II 5 


7 410 


5 9 9 


London and Lancashire. 


3 3 


4 310 


3 12 II 


7 I 4 


5 7 I 


490 




7 6 3 


513 6 


London Assur. Corp. 


I 6 


4 2 5 


3 II 2 


618 5 


5 410 


468 


10 13 2 


7 210 


510 5 


London, Edinb. & Glasg. 


19 


4 18 10 


4 510 


7 13 10 


6 2 4 


5 3 4 




717 6 


676 


London Life. 


3 4 


4 3 5 


3 9 4 


7 I 9 


5 7 2 


4 5 6 


10 18 I 


760 


511 6 


Marine and General. 


4 3 


4 3 7 


311 I 


7 310 


580 


4 8 2 


II 3 3 


7 810 


514 I 


Mutual of New York.* 



tart — thus, "at the end of" 15, ao, 35 years, and so on. 



Digitized by 



Lioogle 



124 ENDOWMENT LIFE ASSURANCE— WITH PROFITS. 

Table showing the Annual Premiums per cent, for Assuring 



Age at Entry next Birthday 



26 



30 



Payable at Age.. 

Title. 
National Mutual 

National Mut., Australasia 

National Provident 

New York 

North British & Mercantile 

Northern 

Norwich Union 

Patriotic 

Pearl 

Pelican 

Provident 

Provident Clerks* 

Prudential* 

Refuge* 

Rock 

Royal 

Royal Exchange 

Sceptre 

Scottish Accident 

Scottish Amicable 

Scottbh Equitable 

Scottish Imperial 

Scottish Life* 

Scottish Metropolitan 

Scottbh Temperance 

Scottish Union & National 
Scottish Widows* Fund ... 

Standard 

Star 

Sun* 

Union* 

United Kent 

U. Kingdom Temperance... 

University* 

Victoria Mutual 

Wesleyan and General* . . . 
Westminster and General... 
Yorkshire 



60 



317 S 

313 6 
317" 

316 o 

319 I 

318 5 
315 o 
3^7" 

319 7 

3 18 10 
410 
3x6 6 

4 I 5 
318 7 

314 8 
318 6 

318 8 
3 18 10 
3 18 10 

319 5 

318 4 
3HII 

319 I 

3 IS 8 

317 8 
319 o 

4 4 5 
19 3 
17 2 
16 6 

15 o 
010 

14 2 

16 I 
I 2 

8 
3 
9 



19 
18 
8 



66 



£ s. d, 

3 4 9 
0x0 
6 4 
2 10 
6 2 

5 8 
4 4 
410 

6 I 
6 
8 
3 
7 
4 
3 
5 
5 
4 
6 
6 
6 
2 
6 
2 



3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3 

3x1 

3 6 



2 16 4 
212 6 

218 8 

2 14 O 
2 17 
2 17 
2 16 
216 

2 17 
218 

3 o 
215 



411 

5 6 

6 

4 
8 
o 
8 
4 
3 
2 

5 
8 
8 
6 



60 



2 14 10 
2 16 4 
217 4 

217 3 
2 15 7 

217 8 

218 3 
2 17 II 

214 7 
2 17 10 
2 13 II 
2 [6 7 

2 16 o 

3 210 

217 8 

215 4 
215 8 

214 5 
2 19 I 
2 12 7 
2 14 2 

218 3 

215 7 

216 8 



66 

Is. d, 

2 10 10 
272 

213 8 

2 II 9 

2 II 6 

2 12 2 
2 9 10 

2 12 II 

214 8 

2 10 I 

286 
2 12 5 

211 8 
2 II 9 
296 
2 II 9 
2 12 II 
2 12 6 

2 II II 
284 
2 II O 
2 10 O 
2 16 10 
2 12 O 
291 
2 10 2 

2 8 10 

2x3 5 
2 6 10 

286 

2 12 3 

296 
2 10 10 



60 

Is, d. 

418 5 

4x5x0 

419 6 
4x9 2 
5 010 

419 5 

4 16 6 
418 10 

5 2 10 
419x1 
5 2 10 
4x8 3 

5 5 3 

5 2 II 
4x7 6 
5 o 
5 X 
5 2 
419 
5 on 

418 5 
416 8 
502 

4x6 9 

419 8 
526 
5 4x1 
5 X 4 
4x9 
4x9 
4x7 
5 4 

4 16 

4x9 

5 5 
5 4 
5 2 
5 o 



66 



10 



£s. 
3x8 

3x5 
4 I 
3x8 

4 I 
3x9 
3x7 
319 

4 X 
4 o 
430 
3x8 8 

4 4 3 
408 
319 6 
408 
403 
4 010 
400 
4 X 5 
3x9 5 
3x7 I 
4 X I 
3x6 o 

319 7 
416 



3 
4 

2 

o 3 
5 3 
9 3 
X 3 



18 10 3 
363 
233 
093 
023 



60 



d.£ 
8 3 
X 3 
2 3 
2 3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 
3 



s, d, 

6 4 
3 6 
911 

5 2 
8 8 

7 4 

6 7 

7 3 
810 
810 

II 2 



810 
3 5 
7 3 

7 o 
12 10 

8 9 
7 4 

7 9 
5 3 

10 o 

3 7 
5 8 
9x1 

8 9 
7 3 
7 3 



* Life Oflices marked thus * specify a given muif^'J 



ENDOWMENT LIFE ASSURANCE— WITH PROFITS. 

ifM payable €U a given Age^ or earlier should Death intervene* 



125 



36 


40 


46 


Age at Entry next Birthday 


56 


60 


66 


55 


eo 


66 


66 


60 


65 


Payable at Age 


]$. d. 


£ s. d. 


£s. d. 


£s, d. 


£ s, d. 


£s. d. 


£s. d 


£s, d 


Title, 


; I 


4 010 


3 9 4 


616 5 


5 3 I 


4 4 9 


10 9 3 


7 I 


5 711 


National Mutual. 


m8 3 


318 9 


3 7 I 


615 


S I 4 


4 2 10 


10 5 8 


618 4 


5 6 2 


National Mut., Austral 


i 3 2 


4 5 4 


314 7 


619 I 


5 710 


410 9 


10 9 4 


7 4 3 


514 3 


National Provident. 


; 1 10 


4 I 2 


390 


720 


560 


4 6 S 


II 2 7 


7 7 7 


5 12 10 


New York. 


) 3 


4 3 9 


312 


6 18 10 


5 6 I 


4 7 9 




7 211 


511 4 


North British & Mercan. 


> I I 


4 III 


310 3 


6 16 II 


5 4 I 


4 Sio 


10 9 8 


708 


5 811 


Northern. 


119 4 


4 I 3 


3" 3 


615 6 


5 3 


4 7 2 


10 6 6 


706 


510 6 


Norwich Union. 


5 010 


422 


310 


616 2 


5 3 8 


4 5 9 


10 7 9 


6 19 10 


5 8 7 


Patriotic. 


5 5 5 


4 5 I 


3 12 10 


7 5 


5 9 5 


4 911 


II 310 


7 9 8 


515 2 


Peari. 


5 2 2 


436 


312 4 


618 4 


5 5 4 


4 7 7 




7 2 6 


510 6 


PeUcan. 


5 5 


466 


315 


7 1 10 


5 8 4 


410 8 


10 15 8 


766 


5 14 10 


Provident. 


S 7 


4 I 5 


3 9" 


6 16 10 


5 310 


4 5 8 


lo 9 6 


7 I 2 


5 9 3 


Provident Clerks*. 


5 710 


4 7. 8 


313 3 


7 9 5 


S 10 10 


411 8 


• • 


712 9 


514 5 


Prudential.* 


5 5 2 


440 


310 3 


7 6 2 


5 8 6 


4 8 I 




710 4 


513 9 


Refuge.* 


529 


4 4 4 


314" 


7 I I 


5 8 5 


412 5 


1017 8 


7 8 4 


518 4 


Rock. 


5 2 8 


4 3 4 


3" 8 


700 


560 


4 7 4 


10 14 


740 


511 4 


Royal. 


5 2 II 


4 2 8 


310 5 


7 I I 


5 6 I 


469 




7 5 


5 II 6 


Royal Exchange. 


5 4 2 


4 3 I 


310 4 


7 310 


5 7 2 


4 6 I 


II 6 


7 5 


5 911 


Sceptre. 


5 I 2 


4 I 8 


3 910 


6 16 II 


5 3 7 


4 5 I 


10 8 7 


7 2 


580 


Scottish Accident. 


5 3 


4 4 I 


312 6 


618 6 


5 6 


4 8 I 


. . 


727 


5" 3 


Scottish Amicable 


500 


4 I 8 


310 7 


614 7 


5 211 


4 5 6 


10 3 4 


618 I 


5 7 8 


Scottish Equitable. 


419 


3 19 II 




615 II 


5 2 4 


• • 


10 10 8 


704 


.. 


Scottish Imperial. 


5 2 3 


4 3 9 


312 2 


616 6 


S 5 4 


4 7 7 




703 


510 3 


Scottish life.* 


418 6 


318 5 


3 6 7 


617 4 


5 2 


4 210 


10 15 10 


7 III 


5 7 9 


Scottish Metropolitan. 


S I 10 


423 


310 6 


619 4 


5 411 


4 6 2 


10 17 


7 3 6 


510 2 


Scottish Temperance. 


5 4 


430 


3 II 


7 3 6 


5 6 6 


480 


. , 


7 5 


513 


Scottish Union & Natnl. 


5 5 9 


4 610 


315 2 


700 


580 


4 911 


• • 


7 I 10 


5 10 10 


Scottish Widows' Fund. 


5 3 7 


4 311 


311 II 


700 


5 6 2 


4 7 6 




7 210 


510 5 


Standard. 


5 3 


4 3 5 


311 I 


7 I 


5 5" 


488 




7 5 5 


514 


Star. 


5 2 7 


4 3 4 


311 8 


7 I 


5 611 


4 8 5 


10 u 7 


7 3 5 


5" 5 


Sun.* 


419 8 


4 5 


390 


616 3 


5 3 3 


4 5 


10 9 5 


7 I 


590 


Union.* 


5 6 3 


4 5 2 


314 


7 610 


S 9 4 


4 9 5 




710 4 


5 14 10 


United Kent. 


418 4 


318 9 


3 610 


615 2 


5 I 5 


429 


• • 


619 3 


5 6 7 


United Kingdom Temp. 


5 I 6 


4 I 


3 810 


618 


5 4 4 


4 411 


10 5 6 


7 I 3 


5 7 4 


University. * 


5 7 4 


4 6 2 


313 4 


7 7 1 


510 3 


4 9" 


., 


7 10 2 


514 9 


Victoria Mutual. 


5 7 8 


460 


313 3 


710 7 


512 3 


411 6 




7 16 


5 18 II 


Wesleyan and General.* 


5 4 I 


4 211 


310 3 


7 3 9 


5 611 


469 


II 6 


7 410^ 


5 910 


Westminster & General. 


5 2 7 


42s 


310 2 


7 I 


5 5 6 


461 


10 15 8 


7 310 


510 2 


Yorkshire. 



/Mrr— thus, " at the end of" 15, ao, 3 years, and so on. 



Digitized by 



L^oogle 



126 COMPARATIVE RATES FOR IMMEDIATE ANNUITIES. 



The annexed Table sets forth the amount of Annuity |franted by the various Life Offices who; 
names are subjoined, the consideration or purchase-money bemg in every case >f lOO. The rule is thz 
the Annuity commences six months after the consideration- money has been paid, and, in the majorit 
of cases, payment is made half-yearly, the last half-yearly payment being that which precedes the death ( 
the Annuitant. When payable yearly ^ mention is made accordingly, but in every instance the Annuitar 
can elect to have payment made half-yearly, and in many cases quarterly. By a few Companies 



TITLE. 



Brit. Empire / 
Mutual* ...\ 

Caledonian § 

City of Glas- 
gow§ 



{ 
{ 

Eagle't { 

{ 



Economic 



Edinburgh t 



English and \ 
Scot. Law* t 

Equitable ...-{ 

Equitable f 
U. States... \ 

Friends' / 

Provident* 1 



General*.. 
Gresham* 

Guardian* 

Hand-in- 
Hand*.. 



Imperial -| 

{ 



Lancashire* 



Law Life* 



Law Union f 
and Crown \ 

Legal and f 
General*t§\ 

Life Assoc'n / 
of Scotland \ 

Livp. & Lond. / 
& Globe t t 

Lond., Edin. / 
& Glasgow 

Marine & Gen. 
Mutual 

Methodist and / 
General ...\ 



:{ 



Is. 

i6 



40 



M 
F 

M 

F 

M 
F 

M 
F 

M 
F 

M 
F 

M 
F 

M 
F 

M 

F 

M 
F 

M 

F 

M 
F 

M 

F 

M 
F 

M 
F 

M 

F 

M 
F 

M 
F 

M 
F 

M 

F 

M 
F 

M 
F 

M 
F 

MI6 6 
FSI5 



5H 
5 3 

5" 
5 o 



513 

I 



5i6 
5 



45 



£s. 

6 6 

513 

6 5 
512 

6 4 

512 

6 6 

514 

613 

6 I 

6 4 

519 
9 

6 3 
511 
6 6 
516 

6 4 

5 IS 

6 3 
5" 
6 7 
514 
6 o 

8 

I 
9 
2 

5 10 

6 I 
5 9 



6 3 

I 
9 



66 3 
8510 



36 5 3 
o|Si3 3 
8j6 15 10 

06 3 



60 



£s, 
618 
6 5 
617 
6 4 
616 
6 5 
618 

6 5 

7 5 
612 

616 
6 3 
6 12 
519 
616 
6 2 

6 19 
6 7 

\'^ 
6 5 

616 

6 3 

618 

6 5 

6 12 

6 o 

6 12 
6 o 

6 14 
6 I 

6 I 

6 17 

6 4 

615 
6 2 

613 
6 o 

615 

2 

46 16 
86 2 



62 



07 4 
26 ID 6 



7 3 

6 9 

7 3 

6 9 

7 4 
611 

711 
617 

7 2 
6 9 
618 

6 5 

7 2 

6 8 

7 6 
613 
7 o 

6 10 

7 2 
06 8 

8 
10 



7 4 
611 



617 3 
643 

7 710 
" 14 8 



46 



7 10 
616 

^710 
66 IS 



618 
6 5 
618 
6 5 
6 19 
6 6 

6 19 

6 6 

7 3 

6 9 

7 I 
6 8 

6 19 
86 6 



7 I 

6 8 

7 2 
6 8 



Rates 

7 3 3 
696 

714 o 
704 



64 



66 



710 
616 

711 
617 

718 
7 3 

7 9 

6 IS 

7 S 
6 10 

9 
6 IS 

714 

6 19 

7 7 
616 

9 

6 IS 
711 
617 

611 

7 4 
611 

7 6 

6 12 

7 6 

6 12 

9 

615 

7 7 
614 

7 6 
612 

7 8 
6 14 

9 
614 



10,7 18 
io|7 3 
o!7 18 
67 2 
0717 
07 3 

719 

7 4 

8 6 
711 

717 

7 2 

713 



8 7 
107 12 

8 7 
9 
8 7 
711 
8 8 

7 12 

8 IS 
719 

7 



106 17 

717 

7 2 
8 



2 
7 6 

713 
7 3 

717 
7 2 
718 
7 4 

713 
618 

7 12 
4618 



under 

796 
615 6 

8 I o 
7 6 I 



10 
10 

6 

47 



6 19 

713 

6 19 

717 

7 2 

715 
7 I 

714 

6 19 

7 IS 
I 

717 
7 2 



Rems 

716 9 
726 

892 
714 2 



68 



711 

8 2 
4 

8 7 
7 10 

812 

7 IS 

8 I 
711 

6 
711 

7 
712 



48 

^§ 
28 



8 



2 
7 

3 
7 
6 
710 



4 
9 

7 
710 



ton. 



8 S 

7 10 

8 18 10 
2 8 



60 



Cs.d, 
8 18 10 
812 

818 

7 18 10 

2818 

8 o 

8 18 10 
I 6 

6 
8 

818 
8 o 

6812 
713 
818 
8 o 

3 4 

4 10 

810 7 

7 19 II 

8 19 o 
8 I 

818 
8 I 

813 
716 

811 

7 IS 

8 12 10 
7 16 2 

813 8 
716 7 

817 o 

7 19 10 

815 6 
718 

814 
717 

815 
718 

8 18 10 
o 6 



8 



814 
719 

9 10 
812 



61 



J. d. 
410 
6 6 

4 o 

3 8 
310 

5 8 

4 6 

6 6 



410 
510 



6 3 



17 2 
6 S 

18 6 
I o 

19 5 

1 7 

2 8 

4 10 

1 4 

3 2 

o 

2 o 

1 4 

3 4 

5 2 

6 o 



906 
846 

9 16 2 
817 8 



6S 



911 
812 

9 10 

8 8 

9 10 
811 

9 10 
811 

918 
819 

9 10 
811 



63 



9 3^ 
8 3 
911 
811 

916 
815 



913 
811 

9 10 
811 

9 5 
8 6 



3 2 
6 2 

4 4 
6 2 

5 3 

611 



9 8 
810 

9 7 
8 8 



9 6 

8 7 

9 7 4 

8 8 8 

911 8 
811 8 



970 
896 

10 2 6 
9 3 4 



917 
817 
916 
814 

916 
8161 

917 
817 
10 5 
9 43 
917 
817 
910 

8 81 
918 
817 

10 3 

9 iJ 

9 6 
815 
10 I 
817 
917 I 
8171 
911 i 
812 \ 

9 9 t 
812 i 

910 ( 
812 ( 

911 J 

812 ] 

915 c 
815W 
9131C 
814 4 

912 ^ 

813 c 

9I3IC 

814 4 
918 6 
8 17 10 



914 5 
815 3 

10 9 4 
9 9 6 



COMPARATIVE RATES FOR IMMEDIATE ANNUITIES. 127 

listinguished thus*, the proportionate amount of Annuity is payable to day of deaths and in those instances 
where the f is attached to the title, the Office so designated publishes rates applicable when the proposed 
A.nnuitant has completed six months of the year in which the proposal is made. With respect to the 
Companies marked § information as to Annuity Rates, not supplied in the following table, can be 
obtained ufKDn application to the Office. Certain Companies advertise that the initial expenses of an 
Annuity are borne by them, and not by the Annuitant. 



64 


66 


66 


67 


68 


69 


70 


71 


78 


76 


i 


TITLE. 


i s, d, 
048 
942 


£ s.d. 

10 12 2 

9 II 2 


£ s. 
II 
918 


d 


[Q 


£ s d 
II 8 4 
10 7 


£s. d 
II 17 2 

IGI5 IG 


£ s d 
12 61G 
II s 4 


£ s.d 
12 17 2 

HIS 4 


£ sd 
13 8 4 
12 S 8 


£ s.d 
14 13 2 

13 8 G 


£ s.d 

16 G 6 
14 13 6 


M 

F 


1 Brit. Empire 
/ Mutual.* 


to 3 7 
904 

10 3 8 
932 


10 II 2 
9 611 

10 II 2 
9 10 2 


10 19 
914 

10 19 
917 







8 


II 7 2 

10 I 7 

11 7 2 
10 6 


II 16 2 
IGIG G 

II 16 G 
IG 14 IG 


12 S 7 

IG 19 G 

12 5 8 

II 4 2 


12 IS IG 

11 8 7 

12 16 G 
II 14 2 


•• 


" 


•• 


M 

F 

M 
F 


- Caledonian. § 

\Cityof Glas- 
J gow.§ 


10 310 
9 310 


10 II 2 

9 10 8 


10 18 
918 


8 



II 610 
10 6 


II IS 2 

IG 14 8 


12 4 6 
II 310 


12 14 6 
II 13 6 


13 5 
12 3 4 


14 8IG 
13 410 


IS 14 6 

14 9 G 


M 

F 


} Eagle. 't 


10 12 
911 4 


10 19 8 
918 4 


10 6 


6 



II 15 10 
10 14 2 


12 4 8 
II 3 2 


12 14 4 
II 12 8 


13 4IG 
12 2 8 


13 15 8 
12121G 


IS 8 
13 15 4 


16 8 

IS OIG 


M 

F 


- Economic. 


10 4 6 
9 310 

9 16 10 
8 14 10 


10 12 
911 

10 3 10 
9 I 2 


10 19 
918 

ion 
9 8 


6 

2 

6 



II 7 2 

10 6 

10 19 6 
915 4 


II 15 6 
IG14 4 

II 8 2 

10 3 4 


12 4 4 
II 3 2 

II 17 4 

IGII IG 


12 14 

11 12 6 

12 7 2 
II I G 


13 4 4 
12 2 2 

12 17 6 
II IG 8 


14 7 

13 2 8 

14 8 
12 12 4 


iSii 8 

14 6 G 

15 7 
13 17 


M 
F 

M 
F 


- Edinburgh. 
J 

\ English & 
J Scot. Law.* 


10 5 2 
942 

10 1 1 
9 8 4 
912 5 
910 


10 13 
911 4 

10 19 
915 2 

9 18 10 
9 7 I 


II I 

9 19 
II 7 

10 2 

10 5 
913 


2 

2 


6 

9 
7 


II 910 

10 7 6 

11 15 4 
10 910 

10 13 2 
10 6 


11 18 6 
IG16 4 

12 3 8 
IG17 IG 

II I G 
IG 711 


12 7 8 
II 5 10 

I2I2 2 
II 6 G 

II 9 5 
IGI5II 


1217 6 

II 16 G 
13 GIG 

II 14 6 
II 18 6 
II 4 7 


13 8 6 

12 6 6 

13 9 6 
12 3 4 
12 8 4 
II 13 IG 


14 4 4 

13 81G 

14 7 4 
13 I 6 

13 10 s 

1214 6 


16 2 6 

14 13 10 

15 5 4 

13 19 8 

14 16 6 
13 18 IG 


M 
F 

M 
F 

M 
F 


■ Equitable. 

lEquitable 
J U. States. 

\ Friends* 
J Provident.* 


10 7 9 
936 


10 15 
9 II 


II 2 

918 


2 

6 


II 910 
10 6 6 


II 18 2 
IGI5 G 


12 7 4 
II 5 


12 17 6 
II IS 


13 8 5 
12 s 


14 13 2 
13 5 7 


16 G 
14 711 


M 
F 


1 General.* 


10 310 
9 3 7 


lOII 2 

910 7 


10 19 
9 18 






II 7 3 
10 6 2 


II 15 9 

IGI4II 


12 5 G 
II 4 G 


12 IS 3 
II 13 9 


13 6 3 

12 4 G 


14 IG 7 
13 6 G 


15 17 3 

14 IG 6 


•• 


■Gresham.* 


918 6 
818 6 


10 6 
9 5 6 


10 13 8 
912 10 


II I 8 
10 I 


II IG 4 

ip 9 8 


II 19 6 

IG 18 IG 


12 9 8 
II 8 8 


13 4 
II 18 6 


14 4 2 
13 G 2 


15 10 4 
14 4 8 


M 
F 


}- Guardian.* 


916 8 
818 8 


10 4 2 
9 5 8 


10 12 
913 


2 
2 


II 8 
10 I 2 


II 9 8 
IG 9 8 


II 19 2 

IG18 8 


12 9 2 
II 8 2 


12 19 8 
II 18 2 


14 2 4 
12 19 8 


IS 7 8 
14 3 8 


M 
F 


\ Hand-in- 
i Hand.* 


917 2 
817 8 


10 4 2 

9 4 4 


ion 
911 


6 
6 


10 19 4 
919 4 


II 7 6 
IG 7 8 


II 16 6 
IG16 6 


12 6 2 
II S 10 


12 16 6 
II IS 4 


13 19 4 
12 16 2 


15 4 4 
13 19 6 


M 

F 


- Imperial. 


818 9 


10 5 8 
956 


10 13 3 
9 12 10 


II I 3 

10 GIG 


II 9 8 

IG 9 4 


II 18 II 
IG18 5 


12 8 9 

II 8 G 


12 19 4 

II 17 IG 


14 2 IG 
12 19 I 


IS 8 6 
14 3 I 


M 
F 


- Lancashire 


10 I 9 
920 


10 9 
989 


10 16 
9 16 


6 

I 


II 4 6 
IG 4 G 


II 12 II 
IG 12 6 


12 2 I 
II I 7 


12 II II 
II II 2 


13 2 6 
12 I G 


14 510 
13 2 2 


15 II S 
14 6 2 


M 
F 


JLaw Life.* 


10 8 
906 


10 8 
976 


10 15 
914 


10 
10 


II 4 
IG 3 G 


II 12 8 
IGII 8 


12 2 G 
II I G 


12 12 4 

II IGIG 


13 3 2 

12 I G 


14 7 6 
13 2IG 


IS 14 4 
14 710 


M 
F 


"1 Law Union 
J and Crown 


919 4 
819 4 

10 £ 
908 


10 7 
964 

10 8 2 
976 


10 IS 
915 


10 



II 4 
IG 3 G 


II 12 8 
IGII IG 


12 2 2 

II I G 


12 12 4 

II IGIG 


13 3 2 
12 I G 


14 7 8 
13 3 


15 14 4 
14 710 


M 
F 

M 
F 


\ Legal & 
J General. § 

\ Life Assoc. 
J ofScotland. 


10 6 
946 


10 14 
9 12 


II 2 
919 


4 
10 


II II G 
IG 8 8 

Rates 


12 G 4 
IG 18 G 

under 


12 IG 6 
II 8 G 

Revis 


13 I 8 
II 18 6 

ion. 


13 12 2 

12 8 6 


14 16 2 
13 910 


16 2 4 
14 14 2 


M 
F 

M 
F 


\ Liv. & Lond. 
/ & Globe. 

\Lond.,Edin. 
J & Glasgow. 


10 2 
9 I 6 


10 10 
983 


10 17 
915 



6 


II 4 G 
IG 3 6 


II 12 G 
IG 12 G 


12 2 G 

II I G 


12 12 G 
II IG 6 


13 2 G 

12 G 6 


14 6 
13 I 9 


IS IG G 

14 S 6 


M 

F 


\ Marine & 
J Genl. Mut. 


10 16 6 
916 3 


II 4 
10 3 4 


II II 10 
10 10 10 


12 G G 
IGI8 G 


12 8 6 

II 7 6 


12 17 8 
II 16 8 


13 7 8 
12 6 6 


13 18 6 
12 16 6 


IS 2 2 

13 18 G 


16 8 G 
IS 2 4 


M 
F 


\ Methodist & 
/ General. 



128 COMPARATIVE RATES FOR IMMEDIATE ANNUITIES. 



TITLE. 


[1 


40 


46 


60 


62 


64 


66 


68 


60 


61 


62 


63 






£s.d. 


£s.d. 


£s. 


d. 


£ s. d. 


£s. 


^. 


;fx.^. 


£s. 


^. 


;f J. ^.If S. d. 


;f J. ^. 


£ s. 


Mutual, N. Y. 1 


M 

F 


516 4 
5 8 4 


6 6 6 
516 4 


619 

6 7 


10 
6 


766 
613 


714 

6 19 



6 


826 
768 


812 
7 IS 


4 

2 


2 3 4 
8 410 


9 9 4 
810 


916 

81510 


10 3 
9 I i< 


National / 
Mutual \ 


M 
F 


517 4 
5 510 


6 6 8 
514 2 


618 
6 5 


8 
8 


7 4 8 
611 2 


711 
617 


6 
4 


719 6 
746 


8 8 
712 


8 
8 


8 19 10 
820 


9 5 8 
8 7 2 


9 II 10 
812 8 


918 ( 
818 ( 


National f 
Provident \ 


M 
F 


5 IS 2 
5 7 8 


640 
515 4 


615 
6 5 


t 


7 010 
610 8 


7 7 
616 



8 


7 13 10 
7 3 4 


8 I 
711 


8 




810 6 
7 19 10 


815 6 
848 


908 
8 910 


9 6 i 
815 I 


New York ...| 


M 
F 


516 4 
5 8 4 


6 6 6 
516 4 


6 19 10 
676 


766 
613 


619 



6 


826 
768 


812 
7 IS 


4 
2 


9 3 4 
8 410 


9 9 4 
810 


9 16 
8 15 10 


10 3 i 
9 I i( 


North Brit. & / 
Mercantilett 


M 
F 


514 6 
5 3 4 


638 
5 II 6 


616 
6 3 




2 


722 

6 810 


615 


2 
2 


717 2 
7 2 6 


8 610 
7 10 10 


818 
804 


9 310 

856 


910 
811 


916 ( 
8161C 


Northern* ... j 


M 
F 


5 19 10 
5 810 


6 8 8 
516 8 


6 19 
6 7 


10 
4 


7 5 6 
6 12 6 


7 II 10 

618 4 


719 2 
7 5 


8 7 
712 


10 
8 


818 2 
8 I 4 


2 1 ^ 

8 6 4 


996 
811 4 


915 J 
8161C 


Norwich / 
Union \ 


M 
F 


515 1 
5 310 


644 
512 I 


616 
6 3 


8 
10 


7 210 
696 


615 


II 
II 


718 2 
7 3 2 


8 7 
711 


1 


8 19 
8 I I 


950 
864 


911 3 
812 


917 5 
8171C 


Pearl* \ 


M 
F 


5 19 10 
5 8 2 


692 
516 6 


11 


2 



7 7 4 
613 6 


619 


2 

8 


822 

7 7 


811 
7 IS 


8 

2 


lit 


990 
810 


§'5 4 
815 8 


10 2 c 




9 I 8 


r 

Pioneer§ - 

> 


M 
F 


6 I 8 
510 


611 
518 6 


11 



10 


790 
615 4 


716 
7 1 



8 


8 310 
7 8 8 


813 
7-17 


2 



lit 


11? t 


916 6 
817 


10 3 2 
9 3 c 


Provident / 
Clerks* .. t 


M 

F 


515 2 
5 4 I 


6 4 4 
512 I 


fi 


10 
3 


7 I 6 
6 8 7 


614 


I 
7 


715 9 

7 I 4 


8 4 
7 9 


9 

I 


815 I 
718 I 


ll'^ 


§ t 9 
8 8 5 


913 I 
814 2 


Prudential*.../ 


M 


514 
5 3 6 


640 
511 6 


616 
6 3 


6 



726 
690 


7 9 
615 


6 
6 


717 6 
7 2 6 


8 7 
711 






818 
806 


940 

8 5 6 


910 6 
8 II 


917 
817 


Rock* 1 


M 
F 


5 14 3 

5 2 4 


6 4 2 
511 4 


6 3 



6 


7 3 5 
693 


i:°. 


9 
II 


719 I 
7 3 5 


8 9 
712 


I 

2 


819 I 
806 


Hi 


911 II 

8 II ID 


919 




818 


Royal r 


M 
F 


5 8 5 
5 4 4 


5 18 10 
513 4 


612 
6 5 


7 
3 


61811 
6 II 


u 


8 
3 


713 3 
7 4 


8 I 
711 


8 
3 


811 2 
719 6 


816 5 
8 311 


922 

8 8 8 


9 8 3 
813 9 


iVearfy) \ 


Royal / 
Exchange \ 


M 
F 


S 8 I 
417 5 


517 
5 5 7 


6 8 
516 


3 
4 


6 13 10 
6 I 6 


7 

6 7 


2 
3 


7 7 5 
6 13 10 


716 
7 I 



S 


860 
710 


811 3 
714 9 


816 9 
7 198 


928 
850 


Scottish / 
Amicable§ \ 


M 
F 


601 
5 811 


6 9 3 
5 16 10 


7 
6 7 


I 


7 6 2 
613 2 


712 

6 19 


9 
4 


804 
7 6 2 


8 9 
713 


2 
9 


819 4 
8 2 5 


9 5 
8 7 4 


911 I 
812 9 


917 7 
818 8 


Scottish Life§j 


M 
F 


624 
510 8 


611 8 
519 


6 10 


8 
6 


7 910 
616 


716 

7 2 


8 
4 


848 
7 9 6 


814 
717 


2 
10 


9 5 2 
870 


911 2 

812 


917 4 
817 4 


10 31C 
9 3 


Scottish / 
Metropolitan \ 


M 
F 




698 
517 5 


7 3 
6 6 


8 

5 


710 5 
611 2 


717 
616 


7 
7 


8 5 I 
7 211 


813 
710 


3 



926 
718 2 


9 710 
829 


913 9 
8 7 10 


10 4 
813 2 


Scottish Provi-( 
dent§ } 


M 
F 


•• 


648 
512 6 

514 
5 3 4 


616 
6 3 
6 8 
S13 


6 
8 


J ^ 5 
6 9 I 

613 4 
5 18 6 


? 9 
615 

619 
6 4 


I 
2 


7 16 II 
7 2 2 

? 5 ^ 
6 10 2 


8 6 
7 10 


I 
3 
10 
6 


8 16 II 
719 6 

8 I 

7 Sio 


9 210 
846 


990 
8 911 

810 6 
715 2 


915 6 
815 9 

815 10 

804 


Scot. Widows'/ 
Fund*§ ...\ 


M 
F 


^ 1 ^ 
416 



8 






712 

617 


858 
710 4 


Standard § ...| 


M 
F 


•• 


6 711 
518 8 


619 
6 9 


t 


7 5 
615 


711 
7 I 


6 



719 
7 8 


8 7 
716 


[Q 



818 5 
8 S I 


9 4 I 
8 10 2 


9 10 
815 6 


916 3 
9 I 3 


Star - 


M 
F 


517 5 
5 9 7 


6 610 
5 16 II 


7 
6 7 


2 
7 


7 6 9 
6 12 II 


^;i 



9 


S 2 2 
7 5 4 


811 
712 


3 
10 


9 010 
8 I 5 


9 6 I 
8 6 I 


911 8 
811 


9171C 




816 8 


f 
Sun - 


M 
F 


513 6 
5 2 2 


6 210 
510 8 


6 2 




2 


7 I 
676 


^; 


[O 

10 


7 15 10 
7 I 


8 5 
7 9 


2 
2 


816 2 
718 6 


838 


984 
892 


915 




815 2 


Sun / 
(of Canada)! 


M 
F 


6 310 
518 


6 14 10 
660 


7 9 
617 


3 



7 15 10 
7 2 3 


8 2 
7 8 


5 
3 


810 3 
715 3 


819 
8 3 


3 
3 


9 10 
812 3 


916 
817 5 


10 2 
9 210 


10 8 5 
988 


United King. / 
Temperance \ 


M 
F 


515 I 
5 4 3 


6 310 
512 3 


615 
6 2 II 


706 
680 


7 6 
613 


9 
9 


714 
704 


8 2 
7 6 


6 
5 


81511 
716 4 


817 8 
8 I 


til 


992 
811 4 


Yorkshire ...-[ 


M 
F 


517 
510 


676 
517 6 


n 


2 



7 7 6 
613 6 


714 
619 


4 

2 


8 1 10 
7 5 


810 
712 


4 
6 


900 
826 


§ § ^ 
880 


911 6 
813 6 


917 6 
819 6 



Digitized by 



L^oogle 



COMPARATIVE RATES FOR IMMEDIATE ANNUITIES. 129 



64 


66 


ee 


e? 


68 


69 


70 


71 


73 


76 


i 


TITLE. 


£ s.d. 


C s.d. 


£ s.d. 


£ s. d. 


£ s.d. 


£ s.d. 


£s. 


d. 


£ 


s,d 


£ s,d 


£ s.d. 






loii 


10 19 


II 7 


HIS 4 


12 3 8 


12 12 2 


13 010 


13 


9 6 


14 7 4 


IS S 4 
13 19 8 


M 


}Mutual,N.Y. 

3 


984 


915 2 


10 2 6 


10 910 


10 17 10 


II 6 


II 14 


6 


12 


3 4 


13 I 6 


F 


10 5 6 


10 13 2 


II I 


II 9 4 


II 18 4 


12 8 2 


12 18 


4 


13 


9 6 


14 14 6 


16 2 


M 


1 National 
/Mutual. 


950 


912 


919 8 


10 7 10 


10 16 10 


II 6 4 


II 16 


6 


12 


610 


13 9 4 


14 14 10 


F 


912 4 


9 18 ID 


10 5 8 


10 13 2 


II I 


II 9 6 


II 18 


6 


12 


8 4 


14 510 


14 16 6 


M 


1 National 
/ Provident. 


910 


970 


913 6 


10 6 


10 710 


10 IS 10 


II 4 


6 


II 


13 10 


13 2 7 


13 18 10 


F 


loii 


10 19 


II 7 


HIS 4 


12 3 8 


12 12 2 


13 


10 


13 


9 6 


14 7 4 


15 S 4 


M 


I New York. 
J 


984 


915 2 


10 2 6 


10 910 


10 17 10 


II 6 


II 14 


6 


12 


3 4 


13 I 6 


13 19 8 


F 


10 3 6 


10 II 


10 19 


II 7 2 


II 16 


12 s 6 


12 IS 


10 


13 


7 


14 II 8 


IS 18 10 


M 


\ NorthBritish 
&Mercan.t 


932 


910 2 


917 8 


10 6 


10 14 8 


II 4 2 


II 14 


2 


12 


4 4 


13 6 8 


14 12 


F 


10 2 2 


10 9 2 


10 16 6 


II 4 2 


II 12 4 


12 I 4 


12 10 10 


13 


I 2 


14 310 


IS 8 6 


M 


[Northern.* 


9 210 


996 


916 6 


10 4 2 


10 12 6 


II I 4 


II 10 


6 


12 


2 


13 8 


14 4 


F 


10 4 8 


IOI2 I 


II 2 


II 8 7 


II 17 7 


12 7 3 


12 17 


6 


13 


8 8 


14 13 7 
13 8 4 


16 9 


M 


\ Norwich 
/ Union. 


9 4 4 


9" 3 


9 18 9 


10 7 


10 IS II 


II S 5 


II 15 


6 


12 


6 


14 13 7 


F 


10 9 4 


10 17 2 


II S 4 


II 14 


12 3 2 


12 13 4 


13 4 


2 


13 


16 


IS 2 


1611 


M 


IPearL* 

< 


982 


915 4 


10 3 2 


10 11 8 


II I 


II 10 10 


12 I 


2 


1212 


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970 


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1016 6 


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Digitized 


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le V 



1 30 ADVERTISEMENTS. 



ESTABLISHED 1824. 



CLERICAL, MEDICAL & GENERAL 

LIFE ASSURANCE SOCIETY. 
Chief Office-lS ST. JAMES'S SQUARE, LOJfDOJf, S.W. 



DIRECTORS. 
Chairman— WILFRED JOSEPH CRIPPS, Esq., C.B. 



Deputy^kairmeni Rev Prebendary Kkmpe, M.A. 
( Sir Richard Douglas Powbll, 



Bart., M.D. 



Lionel S. Bealb, M.B. F.R.S. 

John Astlby Bloxam, Esq. F.RC.S. 

Sir Wm. Henry Broadbent, Bart. M.D. F.R.S. 

LL.D. 
The Very Rev. The Dean of Canterbury, 

D.D. F.R.S. 
John Coles, Esq. 
Maurice O. Fitzgerald, Esq. 



Sir Walter Foster, M.D. D.CL. M.P. 

Sir Alexander Mackenzie, K.C.S.I. 

The Viscount Midlbton. 

Sir Wm. Overend Priestley, M.D. LL.D. M.P. 

Sir Thomas Smith, Bart. F.R.C.S. 

Thomas Pridgin Tbalb, M.B. F.R.S. 

Rev. Prebendary Whittington, M.A. 



Peter Williams, Esq. 

ASSISTANT ACTUARY. 1 ASSISTANT SECRETARY. 

Arthur D. Besant, Esq. | Alfred M. Humphreys, Esq. 

ACTUARY AND SECRETARY— WILLIAM J. H. WHITTALL, Esq. 

Assets ovep 8| MILLIONS Stepling. 

The Clerical, Medical and General Life Assurance Society was Established 

in 1824 as a Proprietary Company with a Capital of Half-a-Million Sterling. 

Thus the Assured possess 

THE ABSOLUTE GUARANTEE OF A WEALTHY PROPRIETARY 

that every benefit, once granted, whether Sum Assured or Bonus Addition, 
will be fully and safely enjoyed. 



VALUATION BATE OF INTEREST 2^ PER CENT. ONLY. 

The Results of the 1897 Valuation showed— 

1. INCREASED RESERVES. 

2. INCREASED PROFITS. 

THE SURPLUS DIVIDED WAS 

£515,346, 

Whioh was larger by £86,896 than any previously distributed, and represented the 

HIGHEST RATE OF PROFIT EVER DECLARED 

by the Society. 



The Bonus Report (1897), the new Annual Statement, Prospectus, 
and every information on application. 

W. J. H. WHITTALL, 

Actuary and Secrftary. 

15 St. James's Square, London, S.W. 

Digitized by LjOOQ IC 



ADVERTISEMENTS. 



131 



FOUNDED IN 1828. 

THE EDINBURGH LIFE 

ASSURANCE COMPANY 

HAS CARRIED ON BUSINESS FOR 

THREE-QUARTERS OF A CENTURY. 

DURING THAT PERIOD IT HAS 

Issued Policies for nearly 

Distributed in Bonuses nearly 

Paid in Claims more than 

Built up a Yearly Income of 



And Accumulated Funds exceeding 



£23,000,000 
£2,600,000 
£6,000,000 
£400,000 
£3,350,000 



The Quinquennial Valuation as at 81st Deeember, 1887, 
on a 8 per cent. Interest basis, showed a Surplus of £250,000. 



FINANCIAL POSITION AT THE CLOSE OF EACH QUARTER OF A CENTURY. 



Year. 


Yearly Incomb from 


Accumulated Funds. 


Premiums. 


Interest. 


1848 

1873 
Z898 


;^47,ooo 
;^i 17,000 
jf274,ooo 


;^22,000 

;fSl,O0O 

jfl23,000 


je5io,ooo 

jei75,ooo 

je3,3SO,ooo 



POLICIES ARE WOBLD-WIDE AVD IirDISPUTABLE. 
CLAIMS ARE PAID IHMEDIATELT APTEB PBOOE. 



All kinds of Life Assurance and Annuity Business are Transacted. 



Head Office— 22, OEOROE STREET, EDINBTTRGH. 

Afana^er^-GEORGE MACRITCHIE LOW, F.F.A. 
Secretary— ARCUIBALB HEWAT, F.F.A., F.I.A. 

London Office— 11, KING WILLIAM STREET, E.C. 

Secretary in Londottr—Y, GRIFFITH. 



MAHCHESTEB: 12, King Street. 
GLASGOW: 123, St. Vincent Street. 
BIBHUTGHAH: 16, Bennett's Hill. 
UVEBPOOL: 6, Castle Street. 



NEWCASTLE: 6, Qneen Street. 
DUlirDEE: 56, Commercial Street. 
BBISTOL : Baldwin Street. 
CABDIFP: 8, St. John Street. 



DUBLIN OFFICE: 55, Upper Sackville Street. 

Prospectusy Annual Report^ and Proposal Porm^^^^g^ll^ca^^y^q\(> 

K 2 



132 



ADVERTISEMENTS. 




ESTB. 1848 



GRESHAM 

^LIFE^ 

OFFICE 



Obief 9tClce: 
8T. MILDRED'S HOUSE, POULTRY, LONDON, E.G. 

West End OfBce: 2, WATERLOO PLACE, 8.W. 



ASSETS EXCEED 



£6,659,000 



Branch Offices at— 



ABERDEEN, 


CORK, 


NOTTINGHAM, 


BEDFORD, 


DUBLIN, 


OXFORD. 


BELFAST. 


EDINBURGH, 


PLYMOUTH, 


BIRMINGHAM, 


GLASGOW, 


PORTSMOUTH, 


BRIGHTON, 


LIVERPOOL, 


SHEFFIELD, 


BRISTOL, 


MANCHESTER. 


SUNDERLAND, 


CARDIFF. 


NORWICH, 


TUNBRIDGE WELLS. 



In form of Policy, prompt settlement of Claims, equitable dealing 
with Policyholders, in strength of Organisation, and in everything 
which contributes to the Security, Cheapness, and Popularity of Life 
Assurance, 

THIS SOCIETY STANDS UNSURPASSED. 



Annuities of all kinds granted; Rates fixed on the most favourable terms. 

Loans granted on Security of Freehold, Copyhold, and Leasehold Property, 
and upon Life Interests and Reversions. 

JAMES H. SCOTT, General Manager &» Secretary. 



LIBERAL TERMS GIVEN TO AGENTS WHO CAN AND WILL DO EFFECTIVE WORK FOR THE SOCIETY. 

Tmc Qrmham Ure AssuRANoe Sooierv, Umitko. Digitized by VjOOQ IC 



ADVERTISEMENTS. 1 33 



LAW ACCIDENT 

INSURANGE SOGiETY, Ltd. 

Head Offloe-216, STRAND, LONDON 
(Oppofldte the Law Coupta.) 



SUBSCRIBED CAPITAL - - HALF A HILUON. 



The Honourable Mr. JUSTICE WRIGHT. 

Sir RICHARD E. WEBSTER, a.CM.a., Q.C., M.P. 

The Right Hon. LORD DUNBOTNE, Master of the Supreme Court of Judleature. 

Dfrectotd« 
RICHARD PENNINGTON, Esq., Chairman, 64, Linooln's Inn Fields, 

(Deputy-Chairman, Legal and General Life Assurance Society), 

(Director, Law Fire Insurance Society), 

(Director, Law Guarantee and Trust Society, Limited). 

J. S. BEALB, Eflq., 28, Great George Street, Westminster 

(Director, Law Life Assurance' Society). 
SAM BIRCHAM, Esq., 4fi, Parliament Stieet, Westminster 

(Director, Law Life Assurance SocietyX 
& H. ELLIS-DANVERS, Esq., 6, Delahay Street, Westminster 

(Director, Legal and General life Assurance Society). 
J. E. GRAY HILL, Esq., 10, Water Street, Livexpool 

(Director, Law Life Assurance Society), 

(Director, Law Guarantee and Trust Society, Limited). 
W. MELMOTH WALTERS, Esq., 9, New Square, Lincoln's Inn 

(Director, Law Fire Insurance Society). 

Aanaget d Sectetate« 

EDWARD T. CLIFFORD. 



DEPARTMENTS. 

PERSONAL ACCIDENTS. 
ACCIDENTS OF ALL KINDS, FEVERS AND DISEASE. 

SPECIAL PROTECTION IN CASE OF RAILWAY TRAIN ACCIDENTS, 
AND PENSIONS FOR PERMANENT TOTAL DISABLEMENT. 

EMPLOYERS' LIABILITY (ACT zSSo), and COMMON LAW. 

WORKMEN'S COMPENSATION (ACT 1897). 

PUBLIC LIABILITY (THIRD PARTY RISKS), 

DTDEMKITIES FOR AOOIDENTS 0AX7SED BY 

HORSES, VEHICLES, MOTOR CARS, EMPLOYEES, LIFTS, HOISTS, 

CRANES, HOARDINGS, PLANT; ALSO DISPENSERS' RISKS, 

AND SHOP RISKS GENERALLY, &c. 

BURGLARY, HOUSEBREAKING, LARCENY OR THEFT. 

REGISTERED POST AND OTHER TRANSIT RISKS, 

&C., &C. Digitized by LjOOQ IC 



134 



ADVERTISEMENTS. 



PEARL LIFE ASSURANCE COMPANY, 



LIMITED. 




LONDON BBIBGE, CITY, E.O. 

Established 1864. Incorporated under Act of Parliament, 

CAPITAL, JBIOO.OOO. 



DIBEOTOBS. 



F. D. BOWLES, Esq. 

G. SHRUBSALL, Esq. 
G. TAYLOR, Esq. 



J. ROLL, Esq., Chairman, 

J. S. FOSTER, Esq. 

T. MOULLIN, Esq. 

Managing Director— P. J. FOLEY, Esq. 

Secrbtary— J. H. KEENE, Esq. 

Actuary— C. H. E. REA, Esq. 

Medical Advisers < ^^ NORRIS WOLFENDEN, Esq., M.D.. Cantab. 
MEDICAL ADVISERS ^j^ ^^^^^ ^^^ F.R.C.S.E., 19, Haricy Street, W. 

Solicitors ^^•™^^^^'^'^- 

^ I Messrs. HICKLIN, WASHINGTON & PASMORE. 

Auditors— W. C. HALL, Esq., and CLARK, BATTAMS & CO. 

/LONDON, CITY AND MIDLAND BANK, LIMITED. 
Bankers I NATIONAL PROVINCIAL BANK OF ENGLAND. 

i ROYAL BANK OF SCOTLAND. 



SPECIAL ADVANTAGES. 

ORDINARY BRANCH.— A Fixed Cash Surrender Value of 40 per Cent of 
the Premiums paid allowed to those Policyholders who have paid TTiree Years* 
Premiums under Whole-Life With-Profit Tables. 

INDUSTRIAL BRANCH.— Assurants under the Middle-Class Whole-Life 
Table may have a paid-up Policy equivalent to 30 per Cent, of the Premiums paid 
as a Fixed Ek]uitable Surrender Value, if desired, after the Policy has been in force 
Three Years, and the Premiums have been paid during that time. 

Surrender Value Policies under Industrial Whole- Life Table. 

Su Reports, and Opintons of the Press, as to the remarhable progress made by the Company » 

WANTED ADDITIONAL REPRESENTATIVES IN ALL DISTRICTS. 
To good bminoM men liberal termf and eertain fneeeM. 

P. J. FOLEY, Managing Dirutor. 



ADVERTISEMENTS. 1 35 



PRUDENTIAL 

ASSURANCE COMPANY, LIMITED, 

HOLBORN BARS, LONDON, E.C 



Ditectord« 

EDGAR HORNE, Esq., Chairman, 
Sir henry HARBEN, Deputy-Chairman. 



ROBERT BARNES, M.D., F.R.C.P. 
H. A. HARBEN, Esq., J.P. 
WILLIAM T. PUGH, Esq. 



PERCY T. REID, Esq. 

J. W. SIMMONDS, Esq., J.P. 

THOMAS WHARRIE, Esq. 



Joint (Senetal Aanagetd* 

THOMAS C DEWEY, Esq. | WILLIAM HUGHES, Esq. 
FREDERICK FISHER, Esq. 

Bctuati?« 

FREDERICK SCHOOLING, Esq. 

EVERY DESCRIPTION OF LIFE ASSURANCE AND ANNUITY BUSINESS 

TRANSACTED. 

Invested Funds exceed iS 35.000.000 



THE LAST ANNUAL & VALUATION REPORTS 
can be obtained on application. 

WILLIAM JOHN LANCASTER, Secreki^. 



1 36 ADVERTISEMENTS. 



ROCK 



LIFE ASSURANCE COMPANY. 

Established 1806. 



Q;vuj»t»00« 



Wilfrid Arthur Bbvan, Esq. 

The Right Hon. St. John Brodrick, M.P. 

Alprbd Gborgb Lucas, Esq. 

Sir Cuthbbrt Edgar Pbbk, Bart. 



Sir Charles Rugge-Pricb, Bart. 

The Hon. Charles Hbdley Strutt, M.P. 

Samuel Harvey Twining, Esq. 



John Wm. Price, Esq., 6x, Carey Street, Lincoln's Inn. 



WEALTH-SEOURITY-STABILITY. 



Paid in Claims upwards of 

£11,500,000. 



Profits divided among Policyholders upwards of 

£4,140,600. 



LIFE ASSURANCE AT MODERATE RATES. 



PROVISION FOR OLD AQB PENSIONS. 



WORKMEN'S COMPENSATION ACT, 1897. 

Indemnity granted against the additional responsibilities imposed 
under this New Act. 



INSURANCE AGAINST 

ACCIDENTS OF ALL KINDS. 



JStancb ^tRccd: 
BELFAST, BIRMINGHAM, CARDIFF, GLASGOW, LEEDS, MANCHESTER. 

Cbfef QfRcc; 
16, NEW BBIDGE STREET, LONDON, E.C. 

GEORGE S. CRISFORD, Actuary. 



Applications for Agencies invited. ^OOgle 



ADVERTISEMENTS. 1 37 



THE 



Scottish Widows' Fund 

MUTUAL LIFE ASSURANCE SOCIETY. 



Funds ... ... fM^SOO^OOO 

Revenue ... ... fl^SSO^OOO 

THE WHOLE PROFITS ^^ divided among the Members, there being 
no shareholders to participate therein. 

OASH SURPLUS ^^r the seven years to December, 1894 ... £2,500,028 
Of which had been paid in Intermediate Bonuses between 1887 
and 1894, jf 242,487, and reserved to reduce the Valuation 
Rate of Interest to 3 per cent. , jf 445, 850 688,S87 

Leaving a Free Balance of ... £1,821,586 

which enabled the Directors to declare Compound Bonus Additions (t.^., on Original 
Sums assured and previous Bonuses in force) at the rate of £i, 14s, per cent, per 
annum, equal to 

New Bonuses 

From £1. 14s. to £^ 13s. lod. per cent, per annum 

on Original Sums alone, according to duration of the Policies. The Society's 
Policies are, therefore, unusually profitable ; and as Members may, at their option, 
convert their Policies into Paid-up Policies free of Premiums, Surrender them for 
their Cash Value, or borrow from the Society any amount covered by that value, 
it will be seen that they are not only 

Life Assurance ContPacts 

Of the Most Secure and Profitable Description Obtainable, but are also 

Negotiable Documents of Known Value, 

affording such Financial Facilities and Advantages during their whole existence 
as Lafe Policies without such options obviously cannot. 

The Society's Prospectus contains full Information on ell these points. 



LONDON: 28, CORNHILL, E.G.— j. w. miller, Secretafy. 
West End Office: 5, WATERLOO PLACE, PALL MALL, S.W. 



Dublin . . .41, Westmoreland St. 
QlaBflrow . .114, West George St. 
Liverpool. . 48, Castle Street. 
Manchester . 21, Albert Square. 



Leeds . . .21, Park Row. 

Bristol. . .55, Corn Street. 

Newcastle . 12, Grey Street. 

Belfast . . 2, High Street. 



Birminffliam . . .12, Bennett's Hill. 

EDISBMH (HEAD OFFICE): 9, ST. AHDBEW SQUiBE. 

A^- H. TURNBULL, Manager. J. J. P. ANDERSON, S*crett^ 



138 



ADVERTISEMENTS. 



BRITISH EMPIRE MUTUAL LIFE ASSURANCE COMPANY, 

4 & 6, KING WILLIAM STREET, LONDON, E.C. 
Founded 1847. 



S><rector0. 

The Right Hon. Sir John Gorst, M.P., Chairman. 

The Right Hon. Sir Francis Jkune, K.C.B. \ n^j^^t^ni.^:^^^^ 

J. H. Trounckr, Esq., M.D. ^Deputy-Chairmen. 

His Honour Judge Bompa.s, Q.C. I Pearson Hill, Esq. 

Hugh Campbbll, Esq., M.D. George Phillips, Esq. 

The Right Hon. Viscount Dillon. | Sir Wm. Hy. Wills, Bart., M.P. 

Sidney Young, Esq. 



Funds in Hand - 
Annual Ppemium Income 



£2,700,000 
£280,000 



ThlM Company often the toUowlag 

SPECIAL ADVANTAGES : 



KUTUAL A88VBAH0B. 

NO PSOPBIETAST. 

UBEBAL BONVBBB SQUITABLT APPOKTZOHSD. 

NO PEB80NAL LIABILIT7 OP MEMBERS. 

TBMPE&ANOB BBOTION, TlcMlng lacreMed Bonvs. 

NAVAL AND MILITAST OPFICBBB' BIBXB (War 

and cninukU) on MlTMitaceoiui Terms. 
LOW PBEMIUMB. 
LABOE BBBB&VEB. 

NON-POBFEITABLE * INDI8PUTABLB P0LI0IE8. 
ZMMEXUATB 8BTTLBMBNT OP 0LAIM8. 



INVALID LIVES oa B^Ubto OoBditloiii. 

POBEION TRAVEL AND BEBIDBNOE (ezeept la 
iriihealthj Olimaies) without extra Charge. 

ADVANOEB UPON PBOPEBTT, BBVBBSI0N8, *c. 
— Bevertloas aad Life Interests Purchased. 

BABLT A88VBAN0B8 on a Norel and AttraetiYe 
Basis without Medical Bzaminatlon at excep- 
tionally Low Preninms. 

LONG TEBM ABBVRANOES at Tery Low Premiwui. 
with option of Oontiviiance. 

BIZ PER CENT. INVE8TMENT POLIOIEB. 

LEA8EH0LD AND BINXINa PUND A8BT7RAN€BB. 



E. R. Straker, F.I.A., Assistant Actuary. J. R. Turner, Assistant Secretary. 
G. H. RYAN, F.I.A., Generai Afanag^er. 

BRITISH EQUITABLE 

ASSURANCE COMPANY, 
QUEEN STREET PLACE, LONDON, E,C. 



SIBEOTOBB. 



ALFRED HENRY BAYNES, Esq. 
ALFRED CONDER, Esq., F.R.LB.A, 
WILLIAM HENRY GOVER, Esq., LL.B. 
THOMAS EDMUND HELLER, Esq. 
LL.D. 



MONTAGU HOLMES, Esq., F.S.I. 
ROBERT PARKER TAYLOR, Esq. 
EDWARD BEAN UNDERHILL, 

LL.D. 
THOMAS HENRY WELLS, Esq. 



Esq., 



ATTSITOBB. 
FRANCIS FLINT BELSEY, Esq., J.P. HARRY MAYNARD CARTER, Esq., F.S.A.A. 

ROBERT RAE, Esq. 



WORLD-WIDE 

UNOONDITIONAL 

POLICIES. 



The Form of Policy recently adopted by the 
Company is free from all restrictions as to 
Foreign Travel and other Conditions. 

Whole Life Policies made payable in Lifetime 
without extra Premium by application of Profits. 



IMMEDIATE PAYMENT OF CLAIMS. 
SEPARATE USE POLICIES. 

Aooumulated Fund, £1,686,926. | Paid in Claims, £2,201,668. 

JOHN WILKINSON FAIRE 

Digitized by 



ADVERTISEMENTS. 



139 



THE BRITISH HOMES 

ASSURANCE CORPORATION, LIMITED. 

( Incarporatid under the Companies Acts, 1S62 to i8gj*) 



Agenoies have been Established in all the principal Gities and Tamis of the 

United Kingdom. 



AL.DBRMAN N. W. HUBBARD, L.C.C.. Heme HilU 

London, S.E. {Chairman). 
WILLIAM STEWART. 7, Worfidd Street, London, S.W. 

{De^utjhCkairman)^ 
T. NBVILLB STACK, F.S.S., 80, BishODStfate Street 

WhhiB. Londoa. E.C.. and i, St Andrew Street, Dublin. 
M. GREGORY, The Aiidiorag>e, Lmrtonstone, Essex. 
Alderman David S. ward, Sedn "" 



WM. JAGGARD. J.P., C.C, Bury St. 1 

A. H. SHEPHERD, Imperial Buildings, Ludgate Circus, 

London. 
HERBERT S. Golding, Newmarket 
W. H. STARKE. 83 & 8s, High St, West Norwood. London. 
E. Ensor Barnett, Glenthome, Barking Road, Upton 

Park, London, E. 



House, Harrogaite. 

BAlfflTBBS -THE LONDON JOINT Stock Bank, UMITBD, Lothbnnr Office. 6* X^othtwiy, Laadon, E.C 

80LI0IT0B8.— Messrs. E. C. RAWLINGS & BUTT, a, Walbrook, London. E.C. 

OONBULTDrO AOTVAST.— F. G. P. Neison, F.LA., F.S.S., 19, Abingdon Street, Westminster, London. S.W. 

MAHAOZHa DntBOTOR.-M. GREGORY. 

HEAD OFFIOB.— as. GREAT WINCHESTER STREET, OLD BROAD STREET, LONDON, E.C. 



INVESTMENT DEPARTMENT.— THE CORPORATION was RegUtercd on the ajth day of June, 
1895, and that its system of business is widely appreciated is seen in the fact that BONUS INVESTMENT 
and HOUSE PROPERTY CERTIFICATES, securing a sum exceeding ;Ci,5oo,ooo, have already been 
issued. Certificate-hQiders desiring the additional benefit of Life Assurance, so as to discharge the mortgage 
debt in the event of early or premature death, can arrange for a policy through the Assurance Department 
of the Corporation. 

ACCIDENT INSURANCE DEPARTMENT.— The Directors, in order, in this regard, to provide for the 
convenience and protection of the Certificate-holders, have opened an Accident Insurance Department, and 
are prepared to accept small Monthly, as well as Quarterly, Half-yearly, and Annual Premiums. 

Persons of pasiHon and influence desiring an addiiional commission will find it an advantage to 
wriUfor Prospectus and Agency terms. M. GREGORY, Managing Director. 

BRITISH WORKMAN'S & GENERAL 

ASSURANCE COMPANY LIMITED. 

Established 1866. ^ Established 1866. 

Chief Office:-BROAD STRBBT CORNER, BIRMINGHAM. 



Annual Income, 
£626,000. 



Paid in Claims, 
£2,200,000. 



Over 

£81,000 

Added to Funds 
Last Year. 



THE PREMIUM RATES 

are moderate, and compare favourably with other 
Offices. 

POLIOIES 
free from objectionable conditions and restrictions. 
Claims paid promptly on proof of death and title. 

Prospectuses (Ordinary and Industrial Departments) 
can be obtained from the local representatives, or from 
Chief Office. 

Applications for Agencies invited. Gentlemen able 
to influence good business will find the Company's 
Agency terms very satisfactory. ^^.^.^^^ ^^ (^OOglC 



I40 



ADVERTISEMENTS. 



COMMERCIAL UNION ASSURANCE COMPANY, LTD. 

FIRE-LIFB-MARINB. 

CAPITAL FVLLT SVBBOBIBXB £S,600,000 

Life Fond in Speeial Tract for Life Poliey Holden exceeds . . £S,0I9,879 

TOTAL A88CT8 EXCEED FOUR AND A HALF MILLIONS. 
Total Aaaiud Iiieome ezoeede 41,800,000 

Head OfRcet— 24, 26 A 26, CORNHILL, LONDON, E.O. 

Wast End Omcm-^ PALL MALL, LONDON, aW. 

New Bridge Street Ofnce~20, NEW BRIDGE STREET, LONDON, E.G. 

^xrutoTii. 



W. Rbibrson Arbuthnot, Esq. 

Robert Barclay, Esq. (Barclay & Co., Ltd.) 

W. MiDDLBTON Campbell, Esq. (Hogg, Curtis, 

Campbell & Co.) 
Jerbmiah Colman, Esq. (J. & J. Colman, Ltd.) 
The Right Hon. Leonard H. Courtney, M.P. 
William C. Dawes, Esq. (J. B. Westray & Co.) 
Sir Tames F. Garrick, Q.C, K.C.M.G. 
W. M. Guthrie, Esq. (Chalmers, Guthrie & Co.) 
Frederick W. Harris, Esq. (Harris & Dixon). 
F. Larkworthy, Esq. 



John H. Ley, Esq. 

Ckneral Sir Henry W. Norman, G.C.B. 

P. P. RoDocANACHi, Esq. (P. P. Rodocanachi 

& Co.) 
Thomas Rudd, Esq. (Rudd & Co.) 



J. Carr Saunders, Esq. 
Sir .' 



Andrew R. Scoble, K.C.S.L, Q.C, M.P. 
P. G. Sechiari, Esq. (Scchiari Bros. & Co.) 
Alexander Billing Sim, Esq. (Churchill & 

Sim). 
John Trotter, Esq. (John Trotter & Co.) 



FIRE DEPARTMENT. 
Undoubted Seeupity. Moderate Rates. Prompt and Liberal Settlements. 

LIFE DEPARTMENT. 

The Life Funds invested in the names of Special Trustees. The Assured wholly free from liability. 

Four-Fifths of the entire Life Profits belong to Policy Holders. 

Interim Bonuses are paid. 

The Expenses of Management limited by Deed of Settlement. 

Liberal Surrender Values guaranteed ; and Claims paid immediately on proof of death and title. 

Married Women's, Property Act (1882).— Policies are issued to husbands for the benefit of 

their wives and children, thus creating, without trouble, expense, stamp duty, or legal assistance, 

a Family Settlement which creditors cannot touch. 

MARINE DEPARTMENT.— Rates for Marine Risks on application. 

COUNTY FIRE OFFICE, 

No. 50, REGENT STREET, 

AND 

No. 14, CORNHILL, LONDON. 



FOUNDED 1807. 



BRANCH OFFICES. 



BELFAST .. ..10, Victoria Street. 
BIRMINGHAM, 59 & 61, Colmorb Row. 
BRISTOL .. ..C1.ARE Street. 
CANTERBURY, St. George's Street. 
DUBLIN .. ..113, Grafton Strbbt. 
EDINBURGH ..123, George Street. 
EXETER .. ..Queen Street. 



GLASGOW. . 175, West George Street. 

LEEDS 9, East Parade. 

LIVERPOOL, Bank Chambers, 3, Cook St. 
MANCHESTER, 68, Fountain Street. 
NEWCASTLE-) ^ c «r 

ON-TYNE f ^' Grainger St. West. 

NOTTINGHAM, Exchange Walk. 



SHREWSBURY, 12, High Street. 
TBXTSTEES AND DIBECTOBS. 



THOMAS BARNEY, Esq. 

S. A. BEAVMOliTt'E.sq.tMana^fi^ Director. 

Gen. Sir HENRY BRACKENBURY, 

K.C.B., K.C.S.I. 
Sir FREDC. A. BURROWS, Bart. 
WALTER TIDBOALD COLES, Esq. 



CHARLES FISHLAKE CUNDY, Esq. 
Lt.-Col. Sir DUDLEY DUCKWORTH- 
KING, Bart. 
WILLIAM COPLAND JUDD, Esq. 
The Right Hon. LORD KINNAIRD. 
PICKERING PHIPPS, Esq. 



WILLIAM H. SPENCER, Esq. 

Joint Secretaries. 
GEORGE W. STEVENS, Esq. BERNARD E. 



DWe^l^C^(ff3§Ie 



ADVERTISEMENTS. 141 



THE 

CREDIT ASSURANCE & GUARANTEE CORPORATION, 

LIMITED. 

Capital: £1,000,000. Subscribed: £372,000. 

Head OfTice: lO, KING ^ATILLIAM STREET, LONDON, E.G. 

CREDIT ASSURANCeHdEPA 

I.— Enabling Business Men to obtain ADDITIONAL CAPITAL. 

2.— GUARANTEEING TRADE BILLS. 

3.— GUARANTEEING ORDINARY COMMERCIAL TRANSACTIONS. 

4.— GUARANTEE OF CONTRACTS. 

MORTGAGE INSURANCE, DEBENTURE INSURANCE, AND ALL CLASSES OF 
CONTINGENCY RISKS. 



FIRE DEPARTMENT. 

Insuranoe on NON-TARIFF lines. 
The Subscribed Capital of this Corporation exceeds that of every other Non-Tariflf 
Company, and is also larger than that of many of the Tariff Companies. 

ACCIDENT DEPARTMENT. 

Employers' Liability Inanrance.— The Workmen's Compensation Act, 1897; 
The Employers' Liability Act, 1880; and at Common Law. 

NON -TARIFF. 

Liberal and Unconditional Policy. 

Personal Accident Insurance.— " Complete " Policy— including compensation for 
Contagious Diseases, an Annuity for Life, and Double Benefits in event of Railway Accident. 

Burglary Insurance. — Covering Loss, and Damage, Special Rate for Private 
Houses — IS. 6d, per cent, on total value of contents. 

Fidelity Quarantees.— For all positions of trust. 

F. J. LEE-SMITH, General Manager. 

EAGLE INSURAITOE COMPANY. 



E8TAB. ^^Bk. 1807 




Head Office-19, PALL MAX.L, LONDON, S.^W^. 

Branches : 
City Office— 41 f Threadneedle Street, B.C. 



LEEDS : 
Eagle Insurance Buildings, Park Row. 

MANCHESTER: 
64, Cross Street. 



BIRMINGHAM : 
Eagle insurance Buildings, Coimore Row. 

BRISTOL: 

Eagle insuranoe Buildings, Baldwin Street, 

Aociuniilated Funds £2,655,000 

Amnal Inoome £269,000 

Claims and Bonus Paid £13,000,000 

Prospectus on Application. 
ACTIVB AGENTS WANTED IN TOWN AND COUNTRY^yGoOglc 



142 ADVERTISEMENTS. 

Equitable 



fixe a Hcctbent mice %tb 



Head Office:— ST. ANN STREET. MANCHESTER. 
London Office:-12 & 13, NICHOLAS LANE, E.C. 

AND AT QLASQOW, DUBLIN, BELFAST, LIVERPOOL, BRADFORD, BIRMINGHAM, &0., &0. 



FIRE, PERSONAL ACCIDENT, 

AND 

EMPLOYERS' LIABILITY INSURANCE 

TRANSAOTED. 

D. R. PATERSON, Manager <&• Secretary. 
St. Ann Street, Manchester. 

GENERAL REVERSIONARY k INVESTMENT 

COMPANY, LIMITED. 

No. 26, PALL MALL, LONDON, S.W. 

[Removed In 1898 from No. 6, WHITEHALL.] 

ESTABLISHED 1836. 

Fiurther Bmpowered by Special Act of Parliament, 14 and 16 Vict., cap. 180. 

OAPITAIi AND DEBENTURE STOCKS £638,600. 

Sirectors. 

Chairman — Herbert Charles Malkin, Esq. 
Depuiy-Ckairman — George Badham, Esq. 
Martin J. K. Bechbr, Esq. I Sir James R. D. McGrigor, Bart. 

George £. Cockram, Esq. | John Coles, Esq. 

William Stebbing, Esq. 

Ilntrttors. 

Curling Hunter, Esq. | Arthur Ledsam Savory, Esq. 

ISanlers. SfoUcitors. 

Union Bank of London, Ltd., Charing Cross. Messrs. Shoubridge & May, 33, Lincoln's Inn Fields. 



This Company, established upwards of Half a Century, PmtOHASES or makes L0AK8 upon— 

BeTeraionary Intereiti, vested or contingent, in well-secured Property ; also 

Life Interesta in Possession, or in Expectation. 

Leant upon BeveraionB may be obtained either at an Annual Interest, or in coninderation of deferred 
charges, payable upon the Reversions falling in. 

Preient Inoomei are likewise granted upon the latter principle to persons entitled to Rever- 
sionary Interests, who may thus obtain the means of support imtil their property falls into possesion, 
without being called upon for any payment until that event. 

Prosptciuses and Forms of Pr<^sal may be obtained from 

D. A. BUMSTED, F.I. A., ActuatyA' Secretary. 



ADVERTISEMENTS. I43 



GUARDIAN FIRE AND LIFE ASSURANCE CO., LIMITED. 

(ESTABLISHKD x8az.) 

BVBSOBIBED CAPITAL .. .. £S,000,000 I TOTAL ASSETS «4,706,000 

PAZD-VP CAPITAL 1,000,000 | TOTAL DICOMX 714,000 

DIRECTORS. 
John Hunter, Esq., Chairman. I Hon. Erelyn Hubbard. M.P.. Deptdy^hairman. 



Henry Bonham-Carter, Esq. 
Wm. Hill Dawsoo« Esq. 



Granvifle F. R. Farquhar, Esc 
Hon. Alban C. H. Gibbs. M.l 



fohn J. HamUton, Esq. 
Richard M. Harrey. Esq. 
R^finald E. Johnston. &q. 
Geofse Lake. Esq. 



E. Henry Loyd, Esq. I Augustus Prerost, Esq. 

Beaumont Wm. Lubbock« Esq. I Roderick Pryor, Esq. 

Edward Norman, Esq. j Rt. Hon. G. J. Shaw-Leferre. 

Henry John Norman, Esq. | Rt. Hon. John G. Talbot. M.P. 



Btilotton— Messrs. Trower. Freelinff & Parkin. 5. New Square, Lincohi's Inn. 



Heflul Office :-U. LOXBABD BT&BBT. IiOirBON, X.O. 

Ibuuicar of Flr« l>o]»artiiMBt— A. J. Relton. 8id>-lUiuic«r Heaie Ftr* Doparlmtnt— R. G. Cochrane. 

Aotaaxy * Becntary— T. G. C. Browne. Banken— Martin's Bank, Limited, 68, Lonbard Street 

Iaw Oourts Braaoh:— 81. FLBBT BTBBBT. 
Bnuieli Ifaiucer-Geo. W. Reynolds. WMiteit— Messrs. Child & Co., x. Fleet Street. 

LIFE DEPARTMENT. 

The last Quinquennial Valuation was made on the basis of the Institute of Actuaries (H" and H^^f*)) Tables of 
Mortality and 3 per cent, interest, the net premiums only being valued and the whole of the loading reserved. 

BONUSES. 

The very satisfactory results of the last division of Profits are fully set out in the Company's Prospectus. 
The rate of Bonus was maintuned, and the reserves substantially increased— a result not exhibited by many Offices 
at the present time. 

UVB FUin> 0887) - - £8,966.000. IiIFB ZNOOMB - - iB8U.000. 

FIRE DEPARTMENT. 

Insuranee* EfftcUd on Property at Honu and Abroad at Moderate Rates. 
n&B FUHD a897) - - iBO80,OOa n&B IKOOMB - - ^£868.000. 

ACCIDENT DEPARTMENT. 

Policies insuring against Generad Accidents, and also to indemnify Employers against the Compensation which 
they have to pay to their Workmen in the event of Accident, are now issued by this old and wealthy Company. 

UW REVERSIONARY INTEREST SOCIETY, 

LIMITED. 
BSTABLiSHBD 18S3. 

Offioes:-No. 24, LINOOLN'S INN FIELDS, LONDON, W.O. 



Capital, £400,000. Debentures and Debenture Stoek, £201,380. 

DIRECTORS. 

Chairman— }oHH Clbrk, Esq., Q.C. Deputy-Chairman— C R. Rivington, Esq., J.P., D.L. 
Edward Bullock, Esq., Barrister-at-Law. The Right Hon. J. W. Mbllor, Q.C, M.P. 

ITie Hon. Mr. Justice Channbll. Richard Mills, Esq:, 34, Queen's Gate Terrace. 

{OHN C. Deverell, Esq., 9, New Square. Henry E. Norton, Eisq., 10, Victoria Street, 

h W. N. HicKLBY, Esq., 10, King's Bench Walk. John Herbert Secker, Esq., Barrister-at-Law. 
Solieitors— Messrs. Caprons, Hitchins, Brabant & Hitchins, Savile Place, Conduit Street 



PURCHASES.— The Society purchases Reversions and Remainders, whether absolute or 
contingent ; Life Interests, whether in possession or deferred, and generally all Interests (in approved 
property) tnat depend upon the duration of human life. 

LOANS. — The Society also grants Loans on the security of such Interests, either on Ordinary 
Mortgage or by way of Reversionary Charee. The latter mode meets the convenience of borrowers 
who do not wish to make any payment for either principal or interest until their Reversionary 
Property falls into possession. "The amount to which the Society will then be entitled is fixed at 
the outset, and does not depend on the time elapsing between the grant of the Loan and its repay- 
- menL The option of redeeming the Charge during the first three or five years can usually be 
combined with this form of loan. 

LIFE ANNUITIES are eranted by the Society in exchange for Reversions and other Interests, 
and also in consideration for Reversionary Charges payable when the property falls into po^ession. 
In this way a reversioner can secure a fixed income and avoid the trouble and expense of obtaining 
successive loans. 

Forms 0/ Proposal and f nil information can be obtained at the Society's Offices. 

W. OSCAR NASH. F.I.A^^g^.|^^Q^g^^ 



144 ADVERTISEMENTS. 



LIVERPOOL VICTORIA LEGAL 

FRIENDLY SOCIETY. 

BstabUabed 1843. 

CUef Offlce-ST. AHDREW STREET, HOLBORN CIRCnS, LONDOH, E.C. 

Branoh Offloes in all the Principal Towns. 



This Society has been in active operation for over fifty years. It is 
specially established for the insurance of sums up to £200 upon lives up to 
86 years of age, by weekly, monthly, and quarterly payments to meet the 
convenience of the Assurers. Endowment Assurances, payable at ages 
14, 21, 40, 50, or 60. Free Policies, Cash Bonuses, Surrender Values, &c. 

Amount Paid in Claims and Grants 

since the Society's Establishment exceeds ASfiiO^lOO 

Annual Income exceeds £641,880 

Accumulated Reserve Fund exceeds £1,407,280 

Cash Bonuses paid under last Valuation exceed £40,700 

ARTHUR HENRI, Secretary. 

LONDON & LANCASHIRE LIFE ASSURANCE COMPANY. 

Head Office: 66 & 67, CORNHILL, LONDON, E.G. 



Branoh Offices : 

LIVERPOOL, MANCHESTER, LEEDS, BIRMINGHAM, BRISTOL, MERTHYR, 

NEWCASTLE, BELFAST, DUBLIN and GLASGOW. 

With Agwncus in the ^ncipal Towns 9/ the United Kingdom, 

Canadian Branch— MONTREAL. Indian Branches— BOMBAY, CALCUTTA. 

South African Branches.— CAPE TOWN, and JOHANNESBURG. 

ISoBttr of direction. 

CAtf«V»M«-COLONEL Sir NIGEL KINGSCOTE, K.C.B. 
Deputy-Chairman— ^kSAXi-esl. GURNEY SHEPPARD, Esq. 



The Right Hon. EVELYN ASHLEY. 
Gen. Sir REGINALD GIPPS, K.C.B. 
VESEY G. M. HOLT, Esq. 



JOHN J. KINGSFORD, Esq. 

Sir THOMAS PAINE. 

ROBERT BARCLAY REYNOLDS, Esq. 



Secretary-^, W. MANNERING. 
General Manager and Actuary— -WIULIMA PALIN CLIREHUGH. 



NEW BUSINESS FOB 1897. 
Sums Assured, ^£9x2,489. New Premiums, j£3S<^« 



SPEOLAJL FEATUBES. 
X Policies Indisputable, Non-forfeitable, World-wide. 
a. Liberal Surrender Values in Cash, or Loans granted to the extent of such Value. 

3. Investment Policies on specially favourable terms. 

4. Claims promptly paid without the usual delay of Three Months. 

Applications for Agencies invited where the Company is not fully ^^f|^^^<^*Q!(^^^[i^>i*'' 



ADVERTISEMENTS. I45 



THE MANCHESTER FIRE ASSURANCE COMPANY. 

Established 1824. 




Capital - JB2,0 00,000. 

Head Office: 98, KING ST., MANCHESTER. 
London Office: 96, CHEAP8IDE, LONDON, E.C. 



The "MANCHESTER" Transacts Fire Business only. 



Extract from Seventy-fourth Annual Report (1897):— 

Net Fire Premiums... £860,600 

Net Fire Profit £61,764 

Interest on Investments, &c £24,369 

Surplus under "American" Purchase Account £ 1 7. 1 02 

£103,216 

Dividend and Balance of Sundry Outgoings £66,607 

Added to the Funds for the Year £47,608 

Total Funds and Security £2,601 891 

March, i8g8, WILLIAM LEWIS, Manager and Secretary, 

MARINE AND GENERAL MUTUAL LIFE 

ASSURANCE SOCIETY. 
Hesid Office— 14, LEA DENHALL ST REET, LONDON, E.G. 

£]8tal3li8lied 1853. 



DIBS0T0B8. 
Sir Thos. Sutherland, G.C.M.G., M.P., CAa/rmoff (Chairman of the P. & O. Steam Navigation Co.X 
JosBPH Hbrbbrt Tritton, Esq., Deputy-ChairmoH, 54, Lombard Street, E.C 
Frederick Dallas Barnes, Esq. (Managing Director P. & O. Steam Navigation Co.). 
Major-General Sir Owen Tudor Burne, G.C.I.E., K.C.S.I. 
Admiral A. J. Chatfield, C.B. (Chairman of the Royal Mail Steam Packet Co.). 
George S. Mackenzie, Esq., C.B. (Messrs. Gray, Dawes & Co., London, E.CX 
Sir John Braddick Monckton, P.S.A., Guildhall, London, E.C. 
Jambs Brown Westray, Esq., 138, Leadenhall Street, London, E.C. 

w^<i..i v^f.*^. i George Thin, M.D., 63, Harley Street, W. 

meoioai JMrereaa j Arnold Chaplin, M.D., 41, Finsbury Square, E.C. 

Anditort— E. K. Berry, Esq. ; James Soden, Esq. 

Baalwrfr— Messrs. Barclay & Company, Limited, 54, Lombard Street, London, E.C. 

Solieitor— A. N. Radcliffe, Esq., 20, Craven Street, Charing Cross, W.C. 

Aetwtfy k 8«oretary— Stanley Day, F.I. A. AsaUtant Beoretary— Arthur O. Fishbr. 



LIFB assurance: in aU its BRANCHES. 

Special facilities for Mariners' and Passengers* Assurances. 

AMuranoe Fund, 81st December, 1894 £728,665 

Surplus on Valuation, H^ and H>««), 87^ •• 180,226 

Amount Divided 79,820 

yielding a Reversionary Bonus of £2. 10s. per cent, per annum on Whole-Life 
Policies in force at the time of the previous Declaration of Profits, and £2 per cent, 
per annum on those effected in the interim. 

This rate 0/ Bonus has been regularly Paid for ^^^ AwJiJ^zfJfff^OOQlC 

L 



146 



ADVERTISEMENTS. 



METROPOLITAN 

LIFE ^SSXJIt^NCE SOCIETY, 

13, MOORGATE STREET, LONDON. 

Established 1836, for Mutual Assurance. 



Richard B. Barron, Esq. 
George R. Burnett, Esq. 
Russell J. Colman. Esq., Norwich. 
Henry W. Dauglish, Esq. 
WiLUAM S. Deacon, Esq. 
T. H. Fox, Esq., Wellington, Somerset. 
WM. Grant, Esq., Portsmouth. 



Directors, 

Alex. P. Hogarth, Esq., Aberdeen. 

William C. H. Hunt, Esq. 

F. Harwood Lescher, Esq. 

S. S. Lloyd, Jun., Esq., Birmingham. 

Col. Victor Milward, M.P. 

William C. Scott, Esq. 

Walter R. Tidd, Esq. 



Actuary ft Secretary— L. M. Simon, Esq. 
Secretary— Bernard Woods, Esq. 



SUM ASSURED, £6,400,000. 



ASSETS, £2,040,000. 



LIFE ASSURANCE AT COST PRICE. 

No Commission Paid, and No Agents Employed. 

Expenses only Five per cent, of Income. 

No Shareholders to Participate in Profits. 

REDUCTIONS OF PREHIX7MS allowed for the Year ending 4th April, 1898. 

First Series 71 per cent. 

Second Series 66 per cent. 

Third Series 41 per cent. 

NATIONAL PROVIDENT INSTITUTION 

FOR MUTUAL LIFE ASSURANCE, 

48, GRACECHURCH STREET, LONDON. 
Founded 1836. 



DIRECTORS. 
William John Barron, Esq. Alfred £. Pease, Esq., M.P. 

Augustine Birrbll, E^., Q.C, M.P. Clare Sewell Read, Esq., Trustee. 

Joseph Fell Christy, Esq., Trustee. Sir Peter Spokes. 

Robert Mayne Curtis, Esq., Trustee. George Crispe Whiteley, Esq. 

Robert E. Dickinson, Esq. Alderman Sir Walter H.Wilkin, K.CM.G. 

Charles W. C. Hutton, Esq. William H. Willans, Esq., Trustu. 

Robert Leake, Esq. 

Medical Officers— T. Henry Green, Esq., M.D. ; John Croft, Esq., F.R.C.S. 

Solicitor— Thos. Myddleton Morriss, Esq. 

Auditor*— W. C. Jackson, Esq., F.C.A.; G. Holland Newton, Esq.; Wm. Cash, Esq., F.CA. 



Aooumulated Fund exceeds £6,260,000 
Profits Divided £5,400,000 



Claims Paid exceed ... £10,600,000 
Gross Annual Income £620,000 



The PROFITS are divided every Five Years amongst Members without any 
deduction for Dividends to Shareholders. 

For the Five Years ending 20th November, 1897, a Cash Profit of jf 714, 390 was 
apportioned amongst the Members, being nearly 87 per cent, of the amount paid in 
Premiums during the Previous Five Years. 

ENDOWMENT-ASSURANCE POLICIES are issued, Combining Life Assurance, 
at Minimum Cost, with provision for Old Age. 

The practical effect of these Policies in the National Provident Institution 
is that the Member's Life is Assured until he reaches the age agreed upon, and on his 
reaching that age the whole of the Premiums paid are returned to him, and a considerable 
sum in addition, representing a by no means insignificant rate of interest on his payments, 

ARTHUR SMITHER, Actuary b' Secretary, 
AppUoatlonB foF AarencieBini^Ji^^a,y(^OOgle . 



ADVERTISEMENTS. 147 



^axtbtm ^^^uvKmt eomi^ans^ 

Established 1836, Incorporated by Act of Parliament, 

Fop FIEE & LIFE ASSUEANOE AT HOME & ABBOAD. 

INCOME AND FUNDS (1897). 

Fire Premiums, £662,000. Life Premiums, £246,000. Interest, £186,000. 

Accumulated Funds, £6,126,000. 

•ft^aft fflffic^fl- TLONDON-l, MOORGATE STREET. 

Dcao (pracea* \ Aberdeen— i, union terrace. 



BZKMnf GHAK— 8i, Colmorb Row. 

BBISTOIr-THB EXCHANGE. 
DUBUN— 7. WESTMORELAND STREET. 



ISrand^es: 



DO.pix>KB»— IIP, Commercial Street. 



QIjABQ OW— go. St. Vincent Street. 

lACVKBPOOIr-jS, TITHBBARN STREET. 

MAKO HBSTiat— sa. Spring Gardens. 
KBWOABTUE— a. Collincwood Street. 
NOmKOKAK— x5. Victoria Street. 



JJU SiUSK— ixo, c 

BPJ-N U UKQ H— ao. St. Andrew Square. 

UJMITKD BTATXSS— Ohieaffo, New 7ork, and San Franoisoo. 
OANADA-Kontreal. AT7BT&AI<IA-KelbouTne. 

IContron IBoBttr of directors. 

colonel ROBERT BARING. i WILLIAM EGERTON HUBBARD, ESQ. 

HENRY COSMO ORME BONSOR, ESQ., M.P. FERDINAND MARSHALL HUTH, ESQ. 

ERNEST CHAPLIN. ESQ. HENRYJAMES LUBBOCK. ESQ. 

ALEXANDER HEUN GOSCHEN. ESQ. CHARLES JAMES LUCAS. ESQ. 

HENRY CHARLES HAMBRO, ESQ. I WILLIAM WALKINSHAW, ESQ. 

RT. HON. SIR ALGERNON WEST. K.C.B. 

Secretary-R. W. LOWE. 

«re T>WTtmenir-{Yoi!'FOwlER!%^si^H^^ ^^ Department~F. LAING. ^ouary. 

(General Kanaffer of the Company.— H. E. WILSON. 

FIRSI DXtPABTMBNT.— Insurances are granted on Property situate in all parts of the British Dominions, 
and in most Forei^ Countries, at rates which are computed according to the actual risk incurred. The Company has 
already paid over iB9,000,000 in the settlement of Claims under its Fire Policies. 

IiIFX BEPABTMBKT.— The Company offers the advantages of perfect Security, with great economy in 
m anig ement , and moderate Rates of Premium. The total expenses In the year 1897 were slightly under 7 per cent, 
of the Income from Premiums and Interest, or, ezcludin£r Commission paid to Agents, less than 4 per cent. 

In the Participtation Branch the whole of the ascertamed Surplus at each Valuation belongs to the Assured. The 
amount for the Quinquennium ending 31st December, 2895, was sufficient to Provide a Bonus Of £l. lis. per cent 
per annum upon the sum Assured, or £7. xsx. ]>er cent, for the whole Quinquennium, besides leaving £jxi,896 to be 
carried forward. The Liabilities were ascertained by the well-known combination of the Institute of Actuaries' 
H>MB) and Hm Tables of Mortality, with only 3 per cent asswned as the rate of Interest to be in future earned by 
the funds, which are acknowledged to be very rigorous data for the purpose. 

PROVIDENT LIFE OFFICE. 

(FOUNDED 1806.) 

50, REGENT STREET, LONDON, W. 
City Branch— 14, CORNHILL, E.C. 

TRUSTEES AND DIRECTORS. 



Sir ANDREW NOEL AGNEW, Bart. 
THOMAS BARNEY, Esq. 
Gen. Sir H. BRACKENBURY, k.c.b., k.cs.i. 
Sir FREDERIC A. BURROWS, Bart. 
GEORGE EDWARD COCKRAM, Esq. 
WALTER TIDBOALD COLES, Esq. 
CHARLES FISHLAKE CUNDY, Esq. 



Lt.-Col. Sir D. DUCKWORTH-KING, Bart. 
WILLIAM COPLAND JUDD, Esq. 
ROBERT ALEXANDER KINGLAKE, Esq. 
The Right Hon. LORD KINNAIRD. 
Major-General RODERICK MACKENZIE. 
JOHN H. ETHERINGTON SMITH, Esq.. 
WILLIAM HENRY SPENCER, Esq. 



SEYMOUR A. BEAUMONT, Esq., Managing Director. 



SPECIAL NOTICE, 

IMPROVED SYSTEM OF BONUS DISTRIBUTION. 
Under the New System— authorised by Act of Parliament obtained in 1897--the 
Bonuses upon all Policies issued since December 31 st, 1892, will be allotted among 
the Assured upon a more popular plan than hitherto. Instead of small Bonuses in 
the earlier years they will be larger, and will continue to be more uniform in 
amount throughout the Policy's existence than formerly. 

x^,'^.^,^,'vv^.'^.w^.'^,%w■^■^•vw■vv■^■^'^.'>,^ 

Bxlstlnfir Assupanoes £7,703,837 

Invested Funds £3,220,909 

Bonuses Declaped £3,784,000 

Further Information on Application. 

CHARLES STEVEN§^rt^|/^/y &- Secretary. 

• L 2 



148 ADVERTISEMENTS. 



SCOTTISH METROPOLITAN 

LIFE ASSURANCE COMPANY. 

SUBSCRIBED CAPITAL £95,000. 



OoYemor of the Gompany— 

Right Hon. J. H. A. MACDONALD, CB., Lord Justicb Clbrk of Scotland. 

BOABD OF OIKB0T0S8. 



J. W. Dunn, 34, Dick Place, Edinburgh. 
Andrew Forrbstbr, W.S., Edinburgh. 
William C. M'Ewen, W.S., Edinburgh. 



David Scott Moncribfp, W.S., Edmburgh. 
J. A. Rbio, Advocate, Edinburgh. 
R. A. Robertson, S.S.C, Edinburgh. 



Secretary— W. R. Macdonald, F.F.A. Manager— Wm. Gibson Bloxsom. 

LOW PRBMIUMsi LIBERAL CONDITIONS. 

ABSOLUTE SECURITY. 



THE ASSURANCE OF THE AGE. 

A Combined Policy is now issued by the Scottish Metropolitan Life 
Assurance Company, covering Life, Accident, and Disease, at a Premium not 
much in excess of that charged by most offices for Life Assurance alone. 

EMPLOYERS' LIABILITY ASSURANCE 
in all its Bpanohes. 



HEAD OFFIGE-25, ST. ANDREW SQUARE, EDINBURGH. 

LONDON OFFIGE— 8, KING STREET, GHEAPSIDE, E.G. 

The Directors invite Applications for Agencies^ and are prepared to make liberal 
arrangements as to remuneration, 

THE STANDARD LIFE 

ASSURANCE COMPANY. 

Established 1826. 

THE STANDARD is one of the largest and most influential of British Offices, 
being established on a wide and popular basis. 



REVENUE, £1400,000. FUNDS, £8,800,000. 
CLAIMS PAID, £18,000,000. 

THE SURPLUS FUND IS DIVIDED EVERY FIVE YEARS. 



Bonus Additions already Declared, £6,000,000. 

EDINBURGH (Head Office)-3, GEORGE STREET. 

LONDON-83. KING WILLIAM STREET. LC. & 3, PALL MALL EAST, S.W. 
DUBLIN-66, UPPER SAGKVILLE STREET. 



ABERDEEN— X56, UNION STREET. 
BIRMINQHAM-6, LIVERY STREET. 
BRISTOL— 7, ST. STEPHEN STREET. 
CARDIFF-X6, ST. JOHN SQUARE. 
DUNDEE- ESPLANADE BUILDINGS. 



QLA8QOW— 93, GORDON STREET. 
LEED8-14, PARK LANE. 
LIVERPOOL— 19, CASTLE STREET. 
MANCHESTER— 65, KING STREET. 
NEWCASTLE— NEVILLE STREET. 



Agencies in India, the British Colonies, and other countries abroad. 

SPENCER C. THOMSON, Manager. 



ADVERTISEMENTS. 



149 



STAR LIFE ASSURANCE SOCIETY. 

ESTABLISHED 1843. 
Head Office:— 32, MOORGATE STREET, LONDON. 



ASSURANCE FUND £4,600,000 

ANNUAL INCOME £760,000 

BONUSES APPORTIONED - - - £1,977,939 
CLAIMS PAID £6.260,000 



Birtctors* 

C^airw»fl»— John Vanner, Esq. 

Deputy-Chairman — George Lidgett, Esq. 



Lieut. -Col. A. M. Arthur. 

W. W. Baynes, Esq., D.L. 

Sir George Hayter Chubb. 

Rt Hon.SirHENRYFowLER,G.CS.L, 

M.P. 
T. Morgan Harvey, Esq. 



Isaac Hoyle, Esq. 

Alexander McArthur, Esq., D.L. 

Wm. Mewburn, Jun., Esq. 

Edward Spicer, Esq. 

Dr. J. A. Spurgeon. 

His Honour Judge Waddy, Q.C. 



Every description of life Assurance, Annuity and Endowment Business, is 
transacted by the Office, at Moderate and Equitable Rates. 

Prospectuses^ Forms of Proposal, and every information may be obtained on 
application to 

HEKBT OAKBLE HOBSOH, Aotnary and Secretary. 

University and Publie Sehool Hen obtain a eonsiderable advantage by assurinsr in the 

UNIVERSITY LIFE ASSURANCE SOCIETY 

(Fop Univepslty and Public School men only), 
25, PALL MALL, LONDON, S.W. 

S8TABLX8HEO 1825, AND ZNOORPO&ATBD BT BOTAL OBABTBB. 



Charies S. Bagot, Esq. 

The Rt. Rer. the Lord Bishop of 

Bristol. 
The Ven. Archdeacon Bumey. 
TheRt. Hon. Lord Justice Chitty. 



FUNDS, £1,078,601. 

President— THE. RIGHT HON. AND RIGHT Rev. The Lord Bishop of London. 
DIREOTORS. 
Chairman—}. COPLEY WRAY, ESQ. 
Sir J. E. Dorington. Bt., M.P. 
The Rt. Rev. the Lord Bishop 
of Gloucester, 



R. G. C. Mowbray, Esq. 



The Most Hon. the Marquis of 

Salisbury, K.G. 
Regfinald Southey. Esq., M.D. 
Frederick Stallard, Esq. 



Reginald E. Thompson, Esq., 

Robert Woodhouse, Esq. 
The Right Hon. Charles B. Stuart 
Wortfey, Q.C., M.P. 



Secretary— H. W. ANDRAS, ESQ., FeUow (if the Institute qf Actuaries. 

" Speeially-Redueed " Premiums, with Profits, for Persons wishing to Assure their Lives for 

A MINIMUM OUTLAY. 

TlM vntngt rate of Bonu for TO yean hM been rather orer £1 per eent. per umnm, and for the laat SD yean the rate 
of BoBW declared on Whole-Life PoUciei haa never been below £2 per cent, per annnm. In 1898 it waa at the re"»ftTfcaMe 
rate of £8 per cent, per annum. Alao at the recent qvinqnennlal valvation a large ram (£ltt,000) waa carried forinurd 
aa an extra reaerve to aaaiat in maintaining a high rate of Bonus in the fnture. 

Theae ezeeptionaUjr aatlafactory reralta have enabled the Society to adopt a new acale of rednced Premlnma, With 

Protte, comparing CavonraUy wiUi the ipecially-rednced Premivms of any other Life Office. 

•« SPECIALLY-REDUCED** PREMIUMS. 

Annual Premiunn payable during life (subject to increase of the Premium or decrease of the sum assured, at the option of the Assured, 

should the quinquennial Bonus declared bv the Society Call below 3 per cent, per annum on the sum assured) fbr the assurance of 

;gioo, to be paid at death, with profits declared beyond £9 per cent on the sum assured. 



Age 
next 
Birth, 
day. 


Annual 
Premium 


Age 
next 
Birth- 
day. 


Annual 
Premium 


Age 
next 
Birth- 
day. 


Annual 
Premium 


Age 
next 
Birth- 
_day^ 

86 
8T 

i 


Annual 
Premium 


Age 

next 
Birth- 
day. 


Annual 
Premium 


Age 

next 
Birth- 
day. 

46 
4T 
48 
49 
60 


Annual 


Age 
next 
Birth- 
day. 


Annual 
Premium 


next 
Birth- 
day. 


Annual 
Premium 


n 

n 
» 

M 


£s. d. 
X 9 zo 

Z 20 4 

z zz 
z zz 6 

ZZ3 3 


ST 


£s. d. 

Z Z2 ZZ 

z Z3 7 
I 14 4 

z z6 


81 
82 
83 
81 
85 


£s, d. 

z 16 ZI 

z Z7 9 
z x8 9 
ZZ9 8 
3 9 


£s. d. 

9 z 10 

3 3 II 
34a 
3 1 6 
3 6 II 


41 
48 
48 
44 
46 


£s d. 
a 8 5 
3 9 10 
3 ZI 5 
3 13 z 

3 14 ZO 


£s.d. 

2 z6 8 

3 z8 9 
3 « 3 
3 3" 
3 6 9 


61 
68 
68 
64 
66 


£s.d. 

3 9 9 

3 Z2 9 
316 z 
319 6 

4 3 3 


66 

6T 
68 
68 

60 


£s.£ 
4 7 3 
4 " S 
4 IS 4 

4 X9 7 

5 4 t 



The Society has a Non«Profit Scale of Premiums, rather higher than the above, providing a fixed amount of Assurance at death for 1 

fixed Premium throughout lite. 
N.B.— The Interim Bonus payable on With-Profit Policies becoming Claims between two quinquennial allotments of Bonus has beei 

°*^'* PropoSn?OTO and pS'pSSpectas^n^pKtion to the Secretary, H. W. 5ii»iKR9l&y Es^fiSS^^ 



ISO ADVERTISEMENTS. 



WESLEYAN AND GENERAL 

ASSURANCE SOCIETY. 

OHIKin OB^B^ICES-BIR2yiIN-GJ-IIA.2yi. 

London Branch Office : 18, NEW BRIDGE STREET, E.G. 

MANGHE8TER-60, Oldham Street. LIVERPOOL— 132, Bold Street. 



ESTABLISHED 1841. 



EMPOWERED BY SPECIAL ACT OF PARLIAMENT. 

^^aimuin: B. SMITH, Esq., Handsworth. 
UiwC^airman: J. FIELD, Esq., J. P., West Bromwich. 



AOOTJKUIiATED FTTNDS EXOEBD £400,000. 

Surrender Value given, or Free Policies granted upon all Adult Policies of Five 
Years* standing and upwards. 

All Claims paid immediately on satisfactory proof of death and title. 

Total Claims paid since commencement of Society exceed Two Million Pounds 
sterling. 

Prospectus^ and every information, may be obtained from the Chief Office, 
as above^ or from the Branch Offices and Agetuies in all the principal Towns, 

R. ALDINGTON HUNT, F.S.S., A.LA., 
General Manager. 

CALEDONIAN INSURANCE COMPANY. 

FIRE. Founded 1806. LIFE. 

LIFE ASSURANCE WITH OR WITHOUT MEDICAL EXAMINATION. 

Perfect Non-Forfeitable System. Policies World-Wide in most cases. 
Rates of Premium strtetly moderate. Good Bonus Additions. 



FIRE DEPARTMENT. 
Ample Seeurity— Moderate Premiums— Losses promptly settled. 



EDINBURGH (Head Office): 19, GEORGE STREET. 
LONDOW^ 02, Mfig William Street, E.C., and 14, Wateploo Place, 8.W. 

FRIENDS' PROVIDENT INSTITUTION, 

[established in 1832]. 

Head Office :-BRADF0RD, YORKSHIRE. 
London Branch Offlce;-17, GRACECHURCH STREET, E.C. 

A Mutual Life Assurance Association for the Society of Friends and those connected 
therewith— by marriage, descent, reiigious profession, or partnership in business. 

Annual Income ~, ~. TT" ... £300,000 

Accumulated Funds £2,650,000 

Profits Distributed £1,906,000 

Claims Paid ... £8,817,000 

The leading features of this Office are — 

(i) Moderate Premiums; (a) Economical Management; (3) Large Bonuses. 

JOHN BELL TENNANT. 



ADVERTISEMENTS. 1 5 1 



INSURE YOUR HORSES AND CATTLE 

WITH THB 

IMPERIAL LIVE STOCK INSURANCE ASSOCIATION, UMITEa 

(Bstabllshed 1878.) 
The oldest Company in th* Kingdom confining its business to the Insuramce of Live Stoci. 

Head Offices : 17, FALL MALL EAST, LONDON, 8.W. 

Carriage, Saddls, Farm and Trade Horses; Hunters, Stallions and 

Infoal Mares insured against Death from Accident or Disease. 

Claims paid exceed £100,000. 

This Office numbers amongst its insurers Her Majesty the Qaeen, H.R.H. the Prince of Wales, 
H.R.H. the Duchess of Albany, the Duke of Westminster, the Duke of Fife, Lord Helper, &c. 

Prospectuses, Proposal Forms, and all information post free. 
Agents wanted, B. S. ESSEX, Manager, 

THE LANOASHIBE INSUEANOE COMPANY. 

CAPITAL THREE MILLIONS. 
Paid-up Capital and Funds, as at 31 st December, 1807 .. £1,680,883. 

LIFE DEPARTMENT. 

Indispntable, World-wide Policies, No Restrictions. 

These Policies are specially useful to Bankers, Solicitors, and others, as collateral security. 

Payment of Claims on Proof of Death and Title. 

FIRE DEPARTMENT. 

Insurances graifted at Home and Abroad at Equitable Rates. 

EMPLOYERS' LIABILITY INSURANCE 

At Moderate Rates on the Merits of each Case. 



G. Beatson Blair. Esq. 
Hugh Brown, Esq. 

Glasgow. 
EdwardDoi 



BOABB OF DIBBOTOBS. 

EDWARD COWARD. ESQ.. Chairman, 

Sir Donald Matheson, I F. W. Reynolds, Esq., 



J. W. Fair, Esq. 

Sir Tames^King. Bart, 



Sir 



,L.D., Gla»ow. 
Bosdin T. jLeech. 



K.C.B., Glasgow. I Liverpool. 

Adam Murray, Esq. I O. Ormerod Walker, Esq. 

Lawrence Rawstome, Esq. | Henry L. Wright, Esq. 

Head Office : THS LANOASHIKB INSURANOE BUILDINGS, EXCHANGE STREET, MANCHESTER. 

Z898. DIGBY JOHNSON, General Manager. CHARLES POVAH, Sub-Manager. 

THE LOBDON ft lAMCHESTER INDUSTRIAL ASSURANCE COKPiHT, Ltd. 

Incorporated under Act of Parliament. 

40 TO 47, SOUTHWARK EXCHANGE, S. E. 

AUTHORISED CAPITAL, £100,000. 

{The London Joint-Stock Bank, Southwark Branch. 
The Sheffield Banking Compsiny, Sheffield. 
Mandiester & Liverpool District Banking Co.| Liverpool & Ashton-under-Lyne Branches. 
London and Midland Bank, New Street, Birmingham. 
Direetors. 
J. Mason, Esq., Belle Monte, Birley Carr, Wadsley Bridge, Sheffield. 
W. Dawbs, Esq., Tiemey Road, Streatham HilL S.W. 
W. F. Woodward, Esq., East Dulwich Grove, S.E. 

J. W. Woodward, Esq., St. Faith's Road, West Norwood, London, S.E. 
H. Speed, Esq.; Stanley Road, Parkfield, New Ferry, Cheshire. 
W. Woodward, Esq., St. Faith's Road, West Norwood, London, S.E., Managing Director. 
This Company is eminently adapted to the requirements of the Working Classes. 
Life, Medical Aid, and Endowment Assurances effected. 
Liberal Terms to Agents, who are invited to apply to the Managing Director. 
Prospectus, Last Year's Balance Sheet, Actuaries Statement, and every information, can 
be had on application to the Managing Director. 

NATIONAL GUARANTEE & SURETYSHIP ASSOCIATION, LTD. 

ESTABLISHED 1868. 



Subscribed Capital, £600,000. Inves ted Funds, £80,000. 

HEAD OFFICE, 67, GEORGE STREET, EDINBURGH. 
Directors. 

Charles cook, Esq^ W.S., Chairman. 
William Sanderson, Esq. I w,, , r surrH Em Aduocate I Robt. Stewart. Esq., of Kinlochmoidart. 
James mylne, Esq.,w.sr^ | ^*'-^* ^' s*«rrH. usq., aovocou. | Alexander Thomson, Esq. 

Securities for Officers of Government, Banks, Insurance Companies, and other Public Offices ; 

Faaors, Collectors, Clerks, Travellers, Agents, and others. 
Cash Bonus to Policyholders of from 15 to 50 per cent, on Premiums of Policies of three years* 

standing and upwards. 
Fidelity Gnanntee business alone transacted. Report and Balance Sheet annuaUy publUhed> 



GEORGE TODD CHl^^^^i^^^^^S^ 



1 52 ADVERTISEMENTS. 



THE OCEAN ACCIDENT & GUARANTEE CORPORATION, LIMITED. 

Bmpowtnd by 9p$eidl Act c/ ParliamnU. 



AuthorlMd Capital .. £1,000,000 Reserves, Dec. 31»t, 1897 £327,477 

Subscribed CapiUI £421,200 Qross Income, 1887 .. £348,413 

Fidelity Quarantees. Burglary Insurance. Siclcness Insurance. 

Worlonen's Compensation and Employers' Liability Insurance. 

Mortgage Insurance. Indemnity (Tliird Party) Insurance. 

The "COMBINED" Policy of the Ocean Accident Corporation 

insures against ACCIDENTS and INFECTIOUS DISEASES, SEND FOR 

is WORLD-WIDE as to Travel, and provides an ANNUITY. PROSPECTUS. 

Head Offloe:-40 to 44, HOOROATB STRB2BT, LONDON, B2.C. 

R. J. PAULL, General Manager &> Secretary. 

PROVIDENT CLERKS' MUTUAL LIFE ASSURANCE ASSOCIATION, 

27 and 29, MOORGATE STREET, LONDON, E.G. 
ESTABLISHED 1840. 

MUTUAL LIFE ASSURANCE FOR ALL CLASSES 
WITHOUT INDIVIDUAL LIABILITY. 



ACCUMULATED FUND £1,000,000 

ANNUAL INCOME \ T^'^^T* ''r IL ^!o'^ 

( Interest and Dividends £88,000 

CLAIMS PAID since Establishment £2,000,000 



Interim Bonuses Paid. Claims Paid immediately on proof of Death and Title. 
December, iSgy, JNO. EDWD. GWYER, Secretary, 

THE SCOTTISH REVERSIONARY COMPANY, Ltd. 

Head Office :-3S, CHARLOTTE SQUARE, EDINBURGH. 

Oapiial, £500,000. Paid-ap, £870,000. Debenture Stock, £300,000. 

BI&EOTOKS. 

Jambs Wallace, Esq., Sheriff of Dumfries and Galloway, az. Royal Circus, Edinburgh, Chairmatt. 
Lewis BILTON, Esq., W.S., i6, Hope St., Edinburgh. I D. PEARSON, Esq., C.A., la, Eton Terrace, Edinbuqjfh. 
H. Y. D. COPLAND, Esq., az, Manor Place, Edinburgh. The Right Hon. MITCHELL THOMSON, Lord Provost 

W. C. JOHNSTON, W.S., 43. Castle Street, Edinbur;^. | of Edinburgh, 6, Charlotte Square, Edinburgh. 

Bankers— The British Linen Company. 

Kanaffer and Actuary— J. A. Robertson, C.A.. f.f.a. Secretary— A. w. Mosman, C.A. 

Solicitora— Messrs. Bruce, Kerr & Burns, W.S., z6, Hill Street. Edinburgh. 

Auditors— Messrs. Lindsay, Jamihson & Haldanb, c.A. 

The Business of the Company consists in the PUS0HA8S OF BBVER8I0NABT DITBBE8T8, LIFE DITEBBSTB, 

and P0LI0IB8 OFI ABBUBAMOB, and in granting LOAKB on the Security thereof. The Directors are prepaied 

to treat for the purchase of— BBVBB8I0NS m Lanoed Property, or in the Fnndi or other 8eoarlti«i, whether vested 

or contingent. LIFB INTBBE8TS, whether in poMtuion or revtrtion. P0LI0IE8 of Assurance on Lives. They 

are also prepared to grant LOAKB upon the Security of Reversions at an Annual Interest, or repayable by Instalments. 

or by way of Deferred Charge payable when the Reversion emerges; and upon Life Interests and Policies of Assurance. 

Forms of proposal^ and all in/ormoHon regardiitg the Business of the Company vnllbe obtained from— 

J. A. ROBERTSON. C.A.. F.F.A.. Manager. 

WESTMINSTER k GENERAL LIFE OFFICE, 

28, Slinfi: Street, Oovent Garden, London, W.O. 
ESTABLISHED 1836. 



Complete Security. 
Liberal Conditions. 



Moderate Premiums. 
Immediate Payment of Claims. 



Endowment Assurances, >?vith and without Profits. 
Non-Forfeitable Policies. 



ADVERTISEMENTS. 



153 




ESSENTIAL TO evcny AGENT 



asoume'g l^ublicationg, 

INSURANCE DIRECTORY. 

Published Annually in January. Cloth gilt 5/-. Postage 4(L 

HANDY ASSURANCE MANUAL. 

Published Annually in May. 
Price l/- paper; 1/6 limp cloth; 2/6 bound cloth. Postage 3d. 

BOURNE'S GUIDES, 

On Cards, 10x6. Published Monthly, 3d. 
The Subscription of 10/- per annum Includes a copy of each of the abofe, Post Free. 



Published by 

EFFINGHAM WILSON, ROYAL EXCHANGE, E.C. 

LIFE ASSURANCE EXPLAINED, 

A simple aecount of the Principles and Practice of Life Assurance. 

BY 

WILLIAM SCHOOLING, 

Editor of Bourne* s InsuroMce Publications, 



Paper, is. Cloth, 2s. 6d. 



London:— CASSELL & CO., Limii^dbgle 



INSURANCE WORKS 

OP THB 

SPEC TAT OR COM PA N Y, 

NE^W^ YORK. 

Publishers of the following important Insurance Publications. 



LIFE. 

THE SPECTATOR.— An American Review of Insurance; Published Weekly. Price 16s. per 
annum. 

THE INSURANCE YEAR BOOK.— Issued Tul^ of each year. Price of each volume : Ufe and 
Miscellaneous Insurance, 20b. ; Fire and Marine Insurance, 20[k ; Both volumes, when ordered 
together, 32i. 

HANDY GUIDE TO PREMIUM RATES, APPLICATIONS AND POLICIES OF 
AMERICAN LIFE COMPANIES.— In flexible leather cover. Price ftk 

ANALYSIS OF POLICY CONDITIONS.— Price : flexible leather cover, 8a. 

CHARTERS OF AMERICAN LIFE INSURANCE COMPANIES.— Showing the charters 
and amendments thereto of thirty prominent legal reserve companies. Price, boutkl in sheq;>, 90b. 

HAND-BOOK OF LIFE AND ACCIDENT INSURANCE ON THE ASSESSMENT 
PLAN.— Price 8a. 

MANUAL OF POLICIES AND RATES OF STIPULATED PREMIUM AND FRATERNAL 
LIFE INSURANC£.-Price, flexible leather cover, 6a. 

LIFE AGENTS' CODEX.— Price 6a. 

PRINCIPLES AND PRACTICE OF LIFE INSURANCE. -A scientific treatise on Life 
Insurance, with valuable tables for reference. Prices : Actuaries' Edition, contains 4, 3^, and 
3 per cent. American Experience Valuation Tables, 20b. ; Podcet £diti<Mi (with flexible 
leather cover), 10b. ; Cloth Edition, 8b. 

PROMINENT PATRONS OF LIFE INSURANCE.-Price 2a. 

A B C OF LIFE INSURANCE.— Fourth Edition, just issued. Price, 4a. 

TALKS WITH LIFE INSURANCE AGENTS.— Price : cloth, 6a. ; leather, 8a. 

THE ART OF CANVASSING.— Price, flexible leather, 6a. 

ELEMENTS OF LIFE INSURANCE.— Price 8a. 

ASSESSMENT LIFE INSURANCE.— A companion book to elements of Life Insurance. Prk:e, 
bound in cloth, 6a. 

LIFE INSURANCE SAYINGS. -Price 8a. 

COMPENDIUM OF OFFICIAL LIFE INSURANCE REPORTS.— Price 4a. 

INSURANCE PREMIUMS AND RESERVES.— Price 2a. 

LIFE INSURANCE POLICYHOLDERS' POCKET INDEX.-<Showing the statistics of the 
level premium companies). Price, in manilla, la. ; in flexible leather pocket book, 2a. 

POCKET REGISTER OF LIFE ASSOCIATIONS, STIPULATED PREMIUM. AND 
FRATERNAL INSURANCE.-Price, in manilla, la. ; in flexible leather pocket-book, 2b. 

DIVIDENDS IN LIFE INSURANCE FROM DATE OF ORGANISATION.— Price la. 

THE LIFE INSURANCE EXAMINER.— Price 12a. 

HANDY HELPER.— Life Agents' Record Book for interviews and appointments. Price 4b. 

LIFE POLICY REGISTER AND PREMIUM RECORD.— Prices : 20a., 8&., and 60b. 

THE UNIVERSAL LIFE INSURANCE FIELD BOOK.-For agents' use. Prices: No. 1, 
48s. ; No. 2, 40B. ; No. 3, 12b. ; No. 4 (for pocket use), lOs. 

UNIVERSAL LIFE INSURANCE FIELD CARD.— A useful card for canvassing (in connection 
with the Field Book). Prices : 250 for 2b. 6d. ; 500, 4s. 6d. ; 1000, 8b. 

JOYCE ON INSURANCES.— A cyclopaedia of all legal insurance works brought up to date, 
containing rules and definitions, comparisons and conflicting decisions, separate chapters on 
technical points, pertaining to particular classes of insurance. Four volumes of z,ooo pages 
each, being a compendium of insurance law. Price 96b. 

PRACrriCAL LESSONS IN ACTUARIAL SCIENCE.— A treatise showing the methods of 
ascertaining rates, values, &c., for life insurance policies, embracing several hundred pages of 
Mortality Tables and other statistical data not obtainable in any other publication. Price 2l8. 

LETTERS, FABLES AND SAYINGS OF "AMICUS."- Quaint and witty fables and stories on 
insurance, conveying in a palatable form truths and hints which can be turned to profitable 
account by the life insurance solicitor. Price 4s. 

AGENTS' WALLETT, OR POCKET BOOK. -No. i, 9i by 4f inches, 2b. ; No. 2, 10 by 4^ 
inches, 2b. 6d. ; No. 3, xx by 5 inches, 3b. ; Special size 10 by 5 inches, with two pockets, 4k. 

FLEXIBLE PREMIUM SYSTEM AND HAND-BOOK FOR FIELD MEN. — Price, 
manilla cover, 3b. ; flexible leather cover, 6b. 



The Catalogue of The Spectator Company presents a fail list of 

leaflets useful In soliciting Life lnsuranc$^^^^{^ooq\(> 



INSURANCE WORKS OF THE SPECTATOR COMPANY, NEW xm.-Continued. 

Casualty Insurance, &a 

POCKET REGISTER OF ACCIDENT INSURANCE.— Price 1b. 

ACCIDENT INSURANCE MANUAL.- Price, flexible leather cover, 6li. 

HANDY CHART OF CASUALTY AND OTHER MISCELLANEOUS INSURANCE 
COMPANIES IN AMERICA.— Price U. 

BENEFITS UNDER ACCIDENT POLICIES —Price, bound in flexible leather pocket book, Sa. 

MANUAL OF LIABILITY INSURANCE.— Price: manilla, 4b. ; flexible leather cover, 68. 

BOURNE'S MULTIPLICATION TABLES.— For multiplyiM four figures by any number of 
figures, 6b. ; for multiplying three figures by any number of figures, 2B. on heavy paper, 9b. on 
card-board. 

THE ROBINSONIAN UNIQUE CALCULATOR.— A multipUer and divider. Price 12b. 
ALSO NUMEROUS OTHER VALUABLE INSURANCE WORKS. 



FIRE. 

THE SPECTATOR. — An American Review of Insurance ; Published weekly. Price 16b. per annum. 

THE INSURANCE YEAR BOOK.— Issued July of each year. Dealing with insurance 
companies throughout the world. Price of each volume : Life and Miscellaneous Insurance, 
20b. ; Fire and Marine Insurance, 20b. ; Both volumes, when ordered together, S2B. 

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County Fire 140 

Credit Assurance and Guarantee 141 

Eagle Life 141 

Edinburgh Life 131 

Equitable Fire and Accident ... 142 

Equitable Life Cover 

Friends' Provident 150 

General I^eversionary 142 

Gresham 132 

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Lancashire Insurance 151 

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Law Guarantee and Trust ... ii 

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National Guarantee Association 

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PAGB 

. MS 
■ MS 
. Z46 
i 
. 153 
151 
.146 

M7 



Ocean Accident and Guarantee... 152 

Pearl 134 

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Provident Life 147 

Prudential 135 

Rock Life 136 

Scottish Metropolitan 148 

Scottish Provident Cover 

Scottish Reversionary 152 

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Star Life 149 

University 149 

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Westminster and General 152 



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No. 101 — OOTOBBB 1808. No. 102 JANUAB7 1800. 

Mr. John Nicoll on the Relation of the Opening Address hy the President, H. W. 

Actuarial Profession to the State. Being the Manly, Esq. 

Essay to which a Prize, presented by Mr. Mr. W. R. Dovby on Valuation Methods with 

J. Chisholm, was awarded (concluded); with special reference to Mr. Chatham's Paper on 

Discussion. this Subject in the /./.A., vol. xxxii. 

Mr. Jambs T. McLauchlan on the Mortality in Dr. A. H. Smbb and Mr. Thomas G. Ackland on 

the British Navy and Army, as shown by the the Assurance Risks incidental to Professional 

Official Reports ; with Discussion. Military and Naval Lives ; and the Rates of 

The Institute of Actuaries. Extra Premiums which should be charged for 

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Mr. Arthur Rhys Barrand on Debentures of Mr. Arthur Wyndham Tarn.— Some Notes 
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Mr. Tosbph Burn on Some Considerations in Mr. . J. E. Faulks.— Some Notes on Sinking 
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exfierienced in the Past, and the Probability Reviews, 

of its continuance ; with Discussion. Correspondence. 

Mr. Gborgb J. LiDSTONB. Further Remarks The Institute of Actuaries, 
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THE INSTITUTE OF ACTUARIES' TEXT-BOOK of the Principles 
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SELECT LIFE TABLES deduced from the Institute of Actuaries' 
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GRADUATED EXERCISES AND EXAMPLES (with Solutions), for the 
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G. M. Low. Price 2x. 
6.— Forms of Life Office Books. By Wm. Smith Nicol, F.F.A. Price u. dd. 
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requirements of British Offices. By A. D. Lindsay Turnbull, A. I. A., 

F.F.A., Chartered Accountant, Edinburgh; Assistant Sec, Caledonian 

Insurance Company. Price 2j. 
8.— The Practical Calculation of Office Premiums. By Henry Moir, F.F.A., 

of the Scottish Life Assurance Company, Limited. Price is, dd. 
9.— Past and Future, with some Thoughts on Heredity; being the 

Inaugural Address for Session 1897-98. By Spencer C. Thomson, B.A. 

Cantab., Manager and Actuary Standard Life Assurance Company, Hon. 

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Address for Session 1898-99. By N. B. Gunn, F.F.A- , F.I. A., Manager 

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5.— President's Inaugural Address, on the opening of the Seventeenth 
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6.— The Versatility of an Insurance Career. By F. W. P. Rutter, Sub- 
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7. — Injuries to Workmen, and Compensation. The New Liability and 
the Old. By Henry Brown, General Manager, The Sickness, Accident, 
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8.-- New Business and the Cost of its Extension. By D. Y. Mills, A. I. A., 
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9.— The President's Inaugural Address. By William Smith Nicol, F.F.A., 
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za— The Benefits to be derived by Fire Insurance Companies from the 
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zz.— Tariff Legislation and Risk Improvement By F. J. Kingsley, Sub- 
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Z2.— Old Age Pensions. By George King, F.I.A., F.F.A., Actuary of the 
London Assurance Corporation. Price Zj. 

Z3.— The Risks attending the Use of Mineral Oil and of Acetylene 
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ERNEST KING ALLEN. 
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Information. Crown 8vo. Price 6s. 

CHARLES ANSELL (The Late). 
A Treatise on Friendly Societies : in which axe the Doctrine of 

Interest of Money and the Doctrine of Probability, with numerous Tables 
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Societies. Published in 1835. Demy 8vo., 198 pp., 5j. 

CHARLES ANSELL. 
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Marriage; the Number of Children to a Marriage, and Length of a Genera- 
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Royal 8vo, pp. 88, cloth, lOf. 6d, 

RICHARD ATKINS. 

(LATB OF THE SUN FIRE OFFICE.) 

The Average Clause. Hints on the Settlement of Claims for 
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/OHN BARLOW, M.D., RR.C.S. 
Eeterve Force in relation to Disease. Price is. 

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G. T. BEILBY. 
The MaanfjEtctiire of Paraffin Oils. Demy 8vo. Price 2s. 

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W. DOWNING BIDEN, F.G.S. 

Practical Bnles for Valuers, with Notes on the Valuation of 
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IS. 6d. net. 

MORRICE A. BLACK (The Late). 
I. 
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Associations Established in the United Kingdom, from 1706 to 
1S63 ; showing where they were, and how they disappeared. In doth case, 
idr.; or on Roller, 2\s. ^j 

The Progressive Policy of the Australian Mutual Provident 

Society Reviewed, together with a Comparative Abstract of the Expenses 
of English, American, and Australian Life Assurance Institutions. Royal 
Svo., 100 pp., 2s. 6d, 

THOMAS BLASHILL, F.R.LB.A. 

Lessons from Fire and Panic. Demy 8vo., 32 pp., i^. 

\,B. F. P. c. No. 9. 

ROBERT BLYTH, C.A., F.F.A., 
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HUGH BONNER. 
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WILFRED A. BOWSER. 

I. 

Valuation and other Tables, deduced from the "Institute of 

Actuaries' Mortality Experience," comprising Commutation Tables, 
Annuity Values and Assurance Premiums, Policy Values for all Durations, 
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WILFRED A. BOWSER— continued. 

II. 

Friendly Societies' Taluation and other Tables, deduced from the 

Mortality and Sickness Experience of the Independent Order of Oddfellows, 
Manchester Unity Friendly Society, during the Five Years 1866-1870; 
comprising Life and Sickness Commutation Tables, Annuity Values and 
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calculated at 2J, 2i, 3, 3i, 3i, 3! 'Commutation Tables only), and 4 per 
cent. Interest. Demy 4to., 120 pp., 21s, net. 



British Life Insuranee Chart, 1894, and Previous Years. Tabular 
Statement showing the Yearly Progress and Financial Position of British 
Life Associations. 6d, 



WILLIAM BRINTON (The Late). 

On the Medieal Selection of Lives for Assurance. Fourth Edition. 
Fcap. 8vo., cloth, 2s. net. 

BRITISH FIRE PREVENTION COMMITTEE. 

For List of Publications, see page 4. 

/. KINNIBURGH BROWN. 
Spontaneous Combustion. Price is. . {A. a, 2ndSerus, No. 7. 

HENRY BROWN. 

Injuries to Workmen, and Compensation. The New Liability and 
the Old. Price is. {A. G.y 4th Series^ No. 7.) 

SAMUEL BROWN, F.S.S., PETER HARDY (The 
Late), and COLONEL J. T. SMITH, F.R.S. 

New Tables of Mortality, deduced from the Fifty Years' Ex- 
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Letter, by Colonel J. T. Smith, F.R.S., F.LA., &c, &c., &c.. Actuary 
to the Institution. Super Royal 8vo., cloth, ;^i. lis. 6d. net. 

SAMUEL BROWN, F.I.A. 
A Pew Thoughts on Commission, Division of Profits, Selection 

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Assurance^ 1849. Mediuxp 8vo., cloth cover, is. 6^. net. 



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I. 
The Law of Fire Insnraiiee. Fourth Edition, by F. £. Colenso, 
M.A., F.I.A. Demy Svo., 448 pp., cloth, 21s, net. 

II. 
The Law of Life AMnrance, including the Formation, Constitution, 
and Amalgamation of Assurance Companies, Assignments and Equitable 
Liens arising in connexion with Life Policies. Third Edition^ by J. V. 
Vbsey Fitzgerald. Demy 8vo., cloth, 31J. 6d, 

III. 
Life Assurance Companies* Aet, 1870: with a Commentary on the 
Life Assurance Legislation of that year. Demy 8vo., 52 pp., sewed, 5j.net. 

IV. 

On the Liquidation of an Insolvent Life Office. Demy 8vo., 

28 pp., sewed, is, 

D. A. CAMPBELL. 

The Fire Underwriter's Companion: being Running Notes, Alpha- 
betically arranged, on various subjects of pressing interest to Insurance 
men, and comprising recent Legal Decisions, descriptions of New Inventions, 
Manufactures, and the Arts, with Explanations of a variety of Trade Techni- 
calities and Customs, &c. Demy 8vo., 180 pp., half calf, lor. 6d, net. 

GEORGE CANDY. 

Is Local Option a Fact? A Short Treatise on the Powers and 
Discretion of Licensing Justices in that part of the United Kingdom called 
England in r^;ard to the Renewal of Innkeepers' Licenses under the 
Intoxicating Liquor Licensing Acts, 1828, 1872, and 1874. With some 
Remarks on the recent Decision in Regina v. Kay. Medium 8vo., 
47 pp., I J. 



CALCULATION PAPER. 

Foolscap Calculation Paper, prepared from a Plate, accurately 
engraved, with cross lines ith inch distant from each other, and thickened 
lines at every 5th and loth interval, for the purpose of Drawing Diagrams, 
&c. Each Sheet bears the name of the Firm printed at the foot. 
Price 2s. 6d, per Quire; 40;. per Ream. Ordinary Pen-ruled, is. per 
Quire; I7<r. 6d. per Ream. Ordinary pen-ruled, on Hand-made Paper^ 2s, 
per Quire ; 35 j. per Ream. 

DA VID GARMENT, F.I.A. 
Tahle showing the Value, at the end of any number of Tears, 

of a Policy for ;^ioo payable at Death, or on attaining the Ages of 50, 55, 
60 and 65 ; also, the Values of Temporary Annuities to cease at Ages 
49» 54> 59 and 64; and the Single and Annual Premiums for Endowment 
Assurances payable at Death, or on attaining the Ages of 50, 55, 60 and 
65; according to the Institute of Actuaries* H'^ Table of Mortality. With 
Interest at 3, 3}, 4 and 4} per Cent. Second Edition, cloth, ZOr. 6d. 



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JAMES CHATHAM, F.F.A. 
A Comparison of the Bates of Mortality among Insnred Lives 

and Government Annuitants, having r^;ard to the effect of selection. 
Demy 8vo. Price 2j. (A.E,, Vol, IL, No. 2.) 

JAMES CHISHOLM, FJ.A. 
Tables for finding the Values of Policies, of all Durations, 

according to any Table of Mortality, or any Rate of Interest ; with other 
Useful Tables. Super Royal 8vo., 208 pp., £i, lis. 6d. 

GEORGE CHRYSTAL, M.A., LL,D. 
On some Fundamental Principles in the Theory of Probability. 

Price If. (A, E,, Vol IL, No. 13.) 

HENRY R. COCKBURN, F.F.A., F.I.A., and ROBERT 

MURRA Y. 
On the Interests of Heirs of Entail and the Calculation of the 

Pecuniary Values. Price 25. {A.E., Vol. 11/. t No. 1.) 

JOSEPH COHEN. 

I. 

A Table showing the Monthly Payment required to Redeem a 

Loan of ;^ioo, with Compound Interest thereon from i to 30 years 
inclusive; the rate per cent, charged monthly, being equivalent to 41 
rates per Annum, from 4 per cent, to 8 per cent, inclusive. Price i^. 

II. 

Present Value of £1 Monthly, i to 360 Months, at 4, 4^, 5, 5I, 

6» ^i) 7* 7i AQcL 8 per cent, per annum, the Monthly ^ate being equivalent 
to the Yearly Rate, and not merely one-twelfth thereof; also other Tables 
for Building Society Mortgage Valuations. Demy i6mo., 2s. 6d. 

E. COLQUHOUN, F.I.A. 
I. 
Notes on Life Assurance. Crown Svo. Second Edition. 6d. 

II. 
Valuation and other Tables, based upon the '^ Institute of 

Actuaries* Mortality Experience (H^) and H^fe) Tables," at 2| per cent., 
comprising Values of Policies for all Durations; Values of Temporary 
Annuities for all Periods; Single and Annual Premiums for Temporary 
Assurances up to Ten Years; Tables for Valuing Endowment Assurances ; 
with other useful Tables. Price ;^i. is. od. net. 

A. L. CRELLE. 
Tables giving the Products and Quotients in the case of any two 

Numbers, each less than looo. 2nd Edition. With Explanatory Intro- 
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HORATIO /. CROAD. 
** How to Value Bonds " aoeording to the Method adopted by the 

U.S. Treasury Department, Price, and others, with Tables by which any 
band running from i year to 50 years (interest payable semi-annually) can 
be valued so as to realise the following rates of interest: I, i}, i}, li, 2, 
2h 2i. 2i> 3> 3i> 3i 3i> 4i 4i, 4i> 4Si 5> Sh 5ii 5i* 6, 6i, 6i, 6|, 7, 7i, 
S» ^if 9> suid 10 per cent. Price £2. 2s. 

ALEXANDER B. DANSKEN, 

I. 

Votes on Buildings. Price ix. KA, G. No. 16.) 

II. 
Roller Milling, with Diagrams. Price 2x. (A, (?., zrdSmis, No, 6.) 

ALFRED DARBYSHIRE. 
Theatre Exits: with a deseription and Plan of Sir Henry 

Irving*s " Safety Theatre." Demy 8vo., 16 pp., is. (B, F, P. C. No, 4.) 

GRIFFITH DA VIES, FR.S, 

LATB ACTUARY TO THK GUARDIAN ASSURANCR COMPANY, AND TO THB RSVBRSIONARY 
INTBRBST SOCIBTY. 

Treatise on Annnities, with numerous Tables based on the Ex- 
perience of the Equitable Society and on the Northampton Rate of 
Mortality. Demy 8vo., boards, lor. 6d, net. 

MILES MENANDER DA WSON (New York). 
Practical Lessons in Actuarial Science : An Elementary Text-Book, 

containing, also, all Mortality Tables that have ever been Standard any- 
where, with corresponding Commutation Columns. Super Royal 4to., 
500 pp. Price 25J. {^Spectator Company, New York,) 

PROFESSOR A. DE MORGAN (The Late), 

I. 
An Essay on Prohahilities. i2mo., cloth. 

II. 
Arithmetical Books, from the Invention of Printing to 1847: being 
brief Notices of a large number of Works drawn up from Actual Inspection. 

DA VID DEUCHAR, F,F,A,, FLA. 

I. 

On the Fifth and Sixth Schedules of the Life Assurance Companies 

Act, 1870. Price zs, (A. E. No. i.) 

II. 

The Progress of Life Assurance Business in the United Kingdom 

during the Last Fifty Years. Price is. {A, £,, Vol. II,, No. 5.) 



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/ /. W. DEUCHAR, F.F.A., F.I.A. 

I. 

A Sketch of the History of the Science of Life ContingencieB, 

with Special Reference to the Origin and Construction of Mortality Tables. 
Price 2j. jj (A, G. No, 3.) 

On the Non-Actuarial Departments of Life Assurance Business. 

Price I J. {A, G, No, 15.) 

GORDON DOUGLAS, F.F,A., FLA. 
Statistics as to the Mortality Experience among Assured Lives 

engaged in the Liquor Trade. Price u. {A, E,, Vol. 11,^ No. 8.) 

OLINTHUS GREGORY DOWNES, F.R.A.S. 
Translation of Quetelet's Letters on the Theory of Probabilities, 

as applied to the Moral and Political Sciences. 8vo., cloth, I2J. net. 

FEDERATION OF INSURANCE INSTITUTES. 
Journal of the Federation of Insurance Institutes of Oreat Britain 

and Ireland, 1898. 332 pp., Demy 8vo. Price $s. 

FREDERIC R. FARROW, FR.I.B.A. 
''Fire-ResistiQg*' Floors used in London. Demy Svo., 20 pp., i^. 

{B, F. P. C. No. 7.) 

FLA. 
Solutions of Institute of Actuaries' Examination, Part II., 1893 

and 1894. Crown 8vo., 31 pp., u. 6d. 

ALEXANDER JOHN FINLAISON, C.B., FLA. 
Joint-Life Annuity Tables for Lives of both Sexes, and also 

Single- Life Annuity Tables and Auxiliary Tables for the Calculation of 
Deferred Life Annuities and Contingent Assurances; deduced from the 
Mortality Experience of Government Life Annuitants between 1808 and 
1875, at 2j, 3, and 3i per cent, per annum, 115 pp., Medium 8vo., lar. 6d, 

H. C. FISH, D.D. 
The True Test; or, Positive Results of Life Assurance in the 

United States. Price yi. lyj. 6d. per 100. Special arrangements for 
larger quantities. 

JOHN FRANCIS. 

Annals, Anecdotes, and Legends, a Chronicle of Life Assurance. 
Crown 8vo., cloth, %5. 6d. net. 



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JAMES GEMMELL. 
The Eoonomieal Aspeots of Fire and Life Inraraiiee at the 

Present Day. (Priu Essay.) Demy 8vo. Price ix. (A. G. No. \2.) 



CHARLES E. GOAD, 

MSMBBR or THB AMKRICAN SOCIBTY OF CIVIL BNGINSBRS, MBMBBR 09 THB CANADIAN SOCIBTY 
or CIVIL BNCINBBRS, FBLLOW OP THB ROTAL STATISTICAL SOCIBTY, BTC, BTC. 

Conflagrations dnring the Last Ten Tears. With 23 Maps. 

54 pp., Demy 8vo. Price 31. 6d. {B, F. P, C. No, 18.) 



PETER GRA Y (The Late). 

I, 

On the Arithmometer and its Applieation to the Constmetion 

of Life Contingency Tables. Second Edition, 31. 6d, 

IL 

Tables for the Formation of Logarithms and Anti-Logarithms to 

Twenty-four or any less number of Places, with Explanatory Introduction 
and Historical Preface. Royal Svo., cloth, 7/. 6d. 

III. 
Assnranee and Annnity Tables, according to the Carlisle Rate of 
Mortality, at 3 per cent. Cloth, lOf. 6d, 



JOHN GRAHAM, C.A. 
Constitntion and Bye-laws. Inangnral Address to the Actuarial 

Society of Glasgow for the Session. Price is. {A, G. No. i.) 



GRA F, SMITH, & ORCHARD. 
Assurance and Annnity Tables, according to the Carlisle Rate of 

Mortality at 3 per Cent Demy Svo., cloth, lor. 6d, 



JAMES WYLLIE GUILD, C.A., F.S.A. 

I. 

The Responsibilities of Insnranee Companies: being the Inaugural 

Address to the Actuarial Society of Glasgow for Session 1883-4. Price is. 

{A. G. No. 90 
II. 

The Three Great Factors which have contribnted most to the 

Material Advancement of the 19th Century— Steam, Chemistry, Elec- 
tricity. Demy Svo. Price Is. {A. G. No. 13.) 



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N. B. GUNN, RF.A., F.I.A. 
The National Savings, and their Effect on the Bate of Interest : 

being the Presidential Inaugural Address for the Session 1S96-7. Price \s, 

{A. G,^ 4th Series, No. I.) 
II. 

Some Notes on the Selection of Idyes for Assurance: being the In- 
augural Address for Session 1898-99. Price is, {A, £., 4/^ Seriesy No. 10). 

MAJOR-GENERAL 'hANNYNGTON (The LaU). 

I. 
Tahle for Converting Shillings, Pence, and Farthings, into 

Decimals of a Pound ; and for the Reconversion of Decimals, is. 

II. 

Interest Tahle for all Bates, and especially applicable to Mutations 

of Interest and varying Balances. Royal 8vo., 65 pp., doth, loj. 6d, 

III. 
Table of Logarithms and Anti-Logarithms (Four Figures) i to 
10,000. Medium 8vo., with Marginal Index, 5^. net 

H. HARBEN. 
Mortality Experience of the Prudential Insurance Company, 

in the Industrial Branch, for the years 1867, 1868, 1869, and 1870, with 
observations. Royal 8vo., 36 pp., doth, with 12 coloured diagrams, 7^. 6d, 

H. R. HARDING. 

Life Assurance Offices, in reference to the Rate of Interest and 
Investments. Demy 8vo. Price is, 

II. 
Life Assurance Offices and their Inyestments, particularly in 

reference to Investments within British Possessions outside the United 
Kingdom, with a plea for Enterprise and Co-operation. Demy 4to., lor. net. 

G. F. HARDY, 

I. 
Friendly Societies (Messenger Prize Essay). 97 pp. Price 2j. 

II. 
A Treatise on Friendly Society Valuations, with Tables based 

upon the Mortality and Sickness Experience of Friendly Societies, 
collected and published by the Government, in three sections, viz. :— Male 
Experience, 1876— 1880; Welsh (Male) Experience, 1856— 1875; Female 
Experience, 1856— 1875 ; comprising Values of Sickness Allowances (for 
various durations of sickness), Pensions, Funeral Allowances, Whole-Life, 
Temporary, Joint-Life and Survivorship Annuities, and other Tables, 
at 2j, 2}, 3, 3J, 3J, 3i, and 4 per cent. Interest. In the Press. 
Demy 4to., 25J. net 

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RALPH PRICE HARDY. 

Valuation Tables, based upon the '' Institute of Actuaries' Mortality 
Experience (HM) Table," at 3, 3J, 4, and 4i per Cent. : comprising Values 
of Policies for aU durations; Values of Temporary Annuities for all periods; 
Single and Annual Premiums for Temporary Assurances up to Ten Years; 
Tables for Valuing Endowment Assurances; also Values of Policies on the 
HM(5) Table, at the same Rates of Interest; with other useful Tables. 
Royal 8vo., 198 pp., 21s, net 

F. A. C HARE (The Late). 

Fire Insurance Manual, in which all the various kinds of Fire Risks 

are arranged Alphabetically: being a complete and valuable Book of 
Reference on all the principal points connected with Fire Insurance 
Practice. Crown 8vo., 260 pp., interleaved, 15X. net. 

/. R. HART, F.LA. 
On an Inyestigation into the Mortality of the Married Females 

of the Peerage. Price is. {A. J?., Vol, IV,, No, 2.) 

WILLIAM HARVEY, B.A., LL.B. 

I. 

Misrepresentation and Concealment as affecting Policies of 

Insurance. Price is. {A, E,, Vol. Ill,, No, 5.) 

II. 

Lectures on Insurance Law. Price 2s, 6d, (A. E,, Vol, in,. No. 10.) 

G, G, HENDERSON, D.Sc, 

The Risks attending the TTse of Mineral Oil and of Acetylene 

(Abstract). Price is, {A. G,, 4/A Series, No, 9.) 

ARCHIBALD HE WAT, F.F,A., F,I,A., F,S,S. 

I. 
Widows* and Pension Funds: containing Statistical and Monetary 

Tables based on the results of an Investigation of the Marriage and 
Mortality Experience of the Widows* Funds of the Scottish Banks; with 
Details of the Investigation, and Diagrams; also Notes on other Marriage 
and Mortality Tables; &c. 104 pp., medium 8vo. Price, 21s, 

II. 

Friendly Societies. 38 pp., demy 8vo. Price is. 

III. 
On the Principles and Practice of Life Assurance. 24 pp., demy 

8vo., 6d, j^ 

The Inyestments of Life Assurance Offices. Reversions; Life 

Interests; Investments Classified; Average Rates of Interest during 21 
Years; Statistics, &c. 32 pp., demy 8vo., is. 



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ARCHIBALD HEWAT— continued. 

V. 

Life Assnranoe 1870-1890. Respiu. Aspice. Frospice, 40 pp., 
super-royal 8vo., is, 

VI. 

Life Assnranoe <7eatnres.* 32 pp., medium 8vo., 6d. 

VII. 

On Training for the Insnranoe Profession. 8vo., 12 pp. Price is. 

• VIII. 

Reserves:— Inyestment z/^rxi^j Assessment. 21 pp., small crown 

8vo. id. 

IX. 

Life Assnranoe Finanoe as affeoted by Bate of Interest and 

Rate of Ebcpense, with Diagrams and Tables showing Rates from 1870 to 
i895« 32 pp. I 8vo., I J. 

X. 

The Progress of Life Assnranoe dnring the Beign of Qneen 

Victoria. Price 2d. 

XI. 

On Life Offloe Valuations : an Address delivered to the Birmingham 
Insurance Institute. Demy 8vo. Price is. 

XII. 

The Stability of British Life Assurance. An Address delivered to 
the Insurance Institute of Manchester on 12th January, 1899. Price 6d. 

W. E. HILLMAN (The Late). 
Tables of the Value of a Policy of Insurance for £1, according to 

the Mortality indicated by the Carlisle Observations, and also the combined 
Experience of Life Assurance Companies, at 3, 3i, and 4 per Cent Interest ; 
with Preparatory Tables for ascertaining the Value of such Insurance for 
every Age from 14 to 60 Years, and of Duration from i to 50 Years. 
Demy 8vo., roan, 2\s. net. 

REV. JOHN HODGSON (The Late). 
Observations upon the Duration of Life amongst Clergymen of 

England and Wales. Demy 8vo., 3J. td. 

CHARLES EDWARD HOWELL, B.A., LL.D., Dub. 
Assignments of Policies of Life Assurance. Revised Edition, 1897. 

Medium 8vo., 25 pp., 25. net 

C E. MOGRIDGE HUDSON. 

Heredity in Life Assurance: being some Notes as to the Improba- 
bility of Disease being Inherited. Crown 8vo., 29 pp., 2s. 



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W. HUGHES, RLA. 
Practical Information for Life Assurance Agents, being a series 

of Tracts in which Actuarial subjects are popularly explained. Fcap. 8vo., 
80 pp., I J. 

Insurance Begister: containing, with other information, a record 
of the Yearly Progress and the present Financial Position of British 
Insurance Associations. Published Annually. Demy 8vo., u.; Post free, 
IS. 2d, ; and red cloth, gilt edges, 2J. 6d, 

i» 

A Keepsake for the Uninsured; consisting of A Mirror — showing 
what they say; A Microscope — detecting what they mean; A Mill — 
grinding both to powder. Demy i6mo., 3</. 8j. per 100. 5<w. per 1000. 

Layton's Handy Newspaper List, 1899. Imperial i6mo., 132 pp., 6//. 
A Table for asoertaining the Hnmber of Days between any two 

Dates, for Calculating Interest, Dating Bills, Short-Term Policies, &c. 
Mounted on card, u. 

THE INSTITUTE OF ACTUARIES. 

I. 

Journal of the Institute of Actuaries. Medium 8vo.; in cloth 

boards; Vols, xix., xx., xxiii., xxviii., xxxii., and xxxiii., xxxiv., i6s, 6d. 
each. Continued in Quarterly Parts, 2s. 6d, Subscribers* Names received, 
to whom the Parts are sent on Publication. 

II. 
Index to First Ten Vols, of the above. Medium 8vo., paper cover, 

2s, 6d. 

III. 

Index to First Twenty Vols, of the above. Medium 8vo., paper 

cover, 2j. 6d. 

IV. 

Index to Vols. xxi. to xxx. of the above. Medium 8vo., paper cover, 

2J. 6d. 

V. 

Tables deduced from the Mortality Experience of Life Assurance 

Companies, as Collected and Arranged by the Institute of Actuaries of 
Great Britain and Ireland ; with an Introduction explanatory of the Con- 
struction and Application of the Tables, and an Appendix containing a 
Complete System of Notation for Life Contingencies. Medium 8vo., 
357 pp., half-calf, 2is. 

VI. 

Logarithm and Anti-Logarithm Card, to Four Places. Price is. 

VII. 

The Institute of Actuaries* Text-Book of the Principles of Interest 

(including Annuities-Certain), Life Annuities, and Assurances, and their 
Practical Application. Part I. Interest (including Annuities-Certain). 
Out of Print. — New Edition in preparation. 



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THE INSTITUTE OF ACTUARIES— continued. 

VIII. 

The Institute of Aotnaries* Text-Book of the Principles of Interest, 

Life Annuities, and Assurances, and their practical Application. Part II, 
Life Contingencies (including Life Annuities and Assurances). By 
George King, F.LA. Out of Print. — New Edition in preparation. 

IX. 

Text-Book de Tlnstitnt des Aotnaires de Londres, contenant la 

Theorie de Tlnt^r^t des Annuites viag^res et des Assurances sur la vie 
avec leurs applications pratiques. Deuxi^me Partie, Operations Viagires 
(Annuites viag^res et Assurances). Par George King, F.LA. 
Traduit de PAnglais avec Tautorisation et sous le contr61e de Tlnstitut des 
Actuaires de Londres. Par AutDtR B^gault, ancien officier d' Artillerie, 
Actuaire de la Compagnie Beige d* Assurances Gen^rales sur la vie. 
Preface par L£ON Mahillon, Directeur General de la Caisse G^erale 
d'£pargne et de Retraite de Belgique. Price £2, 

X. 

Joint-Life Annnity Tables for Lives of both Sexes, and also 

Single-Life Annuity Tables and Auxiliary Tables for the Calculation of 
Deferred Life Annuities and Contingent Assurances; deduced from the 
Mortality Experience of Government Life Annuitants between 1S08 and 
1875, according to the Report of 1883 of Alexander John Finlaison, 
C.B., F.LA., at 2^, 3, and 3} per cent, per annum, 115 pp.. Medium 8vo. 
Price los, 6d. 

XI. 

Select Life Tables, deduced from the Institute of Actuaries' 

Experience (Healthy Males), with Commutation Columns and Monetary 
Values at 2 J, 3, 3 J, and 4 per cent. Interest. By T. B. Sprague, M.A., 
LL.D. 169 pp.. Medium 8vo. Price 21s, 

XII. 

A Short Collection of Actuarial Tables. Printed by the Institute 
for use in connection with the Examinations for Admission to the Classes 
of Associate and Fellow. 40 pp. Price 3j. 6d. 

XIII. 

The Law of Real Property in England, By G. Wood Hill, 

Barrister-at-Law. no pp., paper covers. Price u. 6</. 

XIV. 

The London Daily Stock and Share List. By George Clare. 

Ill pp., paper covers. Price is, 6d, 

XIII. and XIV. bound together in cloth, jf. 6d. 
XV. 

The Companies Acts. By Mr. A. C. Clauson, Barrister-at-Law. 
136 pp. 9 paper covers. Price is. 6d, 

XVI. 

Transactions of the Second International Actuarial Congress, 

held in the Hall of the Institute of Actuaries, Staple Inn, Holbom, 
London, May i6th to 20th, 1898. 932 pp., Royal 8vo., cloth. Price 30J. net. 



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INSTITUTE OF ACTUARIES and FACULTY OF 

ACTUARIES (Scotland). 

Combined Experience of Life Annnitante (1863-1893), deduced from 

the Records contributed by Companies in respect of Annuities granted 
within the United Kingdom, as collected and arranged by the Institute of 
Actuaries and the Faculty of Actuaries in Scotland. Price 21s,, net. 

GEORGE KING, FJ.A. 

I. 

The Theory of Finance: being a short Treatise on the Doctrine of 

Interest and Annuities-Certain. New and Revised Edition. 4^. 

II. 

Valuation and other Tables, deduced from the Institute of 

Actuaries' Mortality Experience, comprising Annuity Values and Assurance 
Premiums, Commutation Tables, Policy Values, Temporary Annuity Values, 
Endowment Assurance Premiums, and other Tables, based upon the H^ 
Table at 2^ per Cent.; Annuity Values and Assurance Premiums, 
Commutation Tables, and Temporary Annuity Values, based upon the 
IfMte) Table at 2J per Cent. ; and Temporary Annuity Values, based upon 
the H**<s> Table at 3, 3i and 4 per Cent. To which are appended Select 
Mortality Tables, Select Commutation Tables, and Select Annuity Values, 
based upon Finlaison's Government Annuity Experience (1883) at 2 J and 3 
per Cent By G. King, F.I. A., and W. J. H. Whittall, F.I. A. Price 
21J. net. Ill, 

Old Age Pensions. Price is, (A. G., 4M seHes^ No. 12.) 

F J. KINGS LEY. 
Tariff Legislation and Risk Improyement. Price is. 

{A.G.y Vol. IV., No. II.) 

ANDERSON KIRK WOOD, LL.D. 
Two Leotnres on Insurance and Insurance Law, delivered in 

Glasgow. Royal 8vo., is. 6d. 

L KRAUSS-TASSIUS. 
Formnles et Tables ponr les calcnls d*interets composes d'annnites 

et d'amortissement. Traite pratique des principales operations financi^res 
se rattachant aux Emprunts. Royal 8vo, 104 pp. Price los. 

DAVID L. LAIDLAW. 
The Growing Fire Hazard of Central City Districts, and the 

Means by which it may be Diminished : being the President's Inaugural 
Address for the Session 1891-2. Price is. {A. G., yrd Series, No. 3.) 

JOHN LAIRD. 
The Ayerage Conditions and Independent Liability. Price is. 

(A. G.y 2nd Series, No. 13.) 

C. D. LAKEY. 
The Snre Bead to Snccess in Life Assurance Canvassing. 

Foolscap 8vo, boards. Price is, net. 



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/. N. LANE. 
The Practice of Fire Insurance in the United States of America. 

Price I J. (A,G,, yd Series, No. 7.) 

5. L. LAUNDY (The Late). 

I. 

Table of Quarter-Squares of all Integer Numbers up to 100,000» 

by which the product of Two Factors may be found by the aid of Addition 
and Subtraction alone. Super Royal 8vo., doth, 2IJ. net. 

II. 

A Table of Products, by the Paotors 1 to 9, of all Numbers from 

I to ioo,oc», by the aid of which Multiplication may be performed by 
Inspection ; with an Introduction explanatory of its use, and also of the 
Method of obtaining the Products of Numbers exceeding the limits of the 
Table. Royal 4to., doth, 5^. net. 

DAVID LAWRIE. 
Pire Bisk: What constitutes it! Price \s. {a. g. No, 4.) 

WILLIAM LE WINS. 

(author of " HBR MAJBSTV's MAILS.") 

A History of Banks for Sayings in Great Britain and Ireland, in- 
cluding a Full Account of the Origin and Progress of Mr. Gladstone's 
Financial Measures for Post Office Banks, Government Annuities, and 
Government Life Insurance. Royal 8vo., 445 pp., cloth, 7^. 6d. net. 



LIFE ASSURANCE COMPANIES' RETURNS. 
Statements and Abstracts of Reports deposited with the Board of 

Trade, under the *' Life Assurance Companies Act, 1870." Copies for the 
years 1871, '72, '73, '75, '76, *77, '84, '91, '97, and '98 in stock. Bound in 
half-calf, 7J. 6d. each. Subscribers' Names received, to whom the Reports 
are sent on Publication. 

HENRY LONSDALE, M.D. 

The Life of John Heysham, H.D., and his Correspondence with 
Mr. Joshua Milne relative to the Carlisle Bills of Mortality. Large 8vo., 
cloth, 3J. 6d. 

GEORGE M. LOW, F.R.S.E., RRA. 

I. 

The History and Work of the Actuarial Society of Edinburgh: 

being the Inaugural Address for the Session 1883-4. Price is, {A, E, No, 10. ) 

II. 

The recent Australian Bank Failures: being the Inaugural Address 
for the Session 1893-4. Price is. {A.E,, Pol. III., No, 3.) 

III. 

On Extra Bisk, with some particulars of the recent Inyestigation 

of the Mortality of Persons engaged in the Sale of Intoxicating Liquors. 
Price 2s. {A. E., Vol, IV., No. 5.) 



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JOHN CAMPBELL MACCALL. 
The Art and Praetioe of Aoooimt-Keeping. Price is. {a. g. No. i i. ) 

WILLIAM RAE MACDONALD, F.F.A. 
Notes on the Theory of Logarithmi. Price 2s. 6d. {A. E. No, 12.) 

T. M. macdonald: 

A Qlanoe at the Poiition and Prospeots of Fire Ininranoe. 

Price td. (A. G. No. 8.) 

A. G. MACKENZIE, F.I A., F.F.A. 
Note on War Mortality in Beoent Campaigns, with Special Refer- 
ence to the Gennan Experience in the War of 1870-71. is. (A. E. No. 6.) 

H. W. MANLY, F.I.A. 
Tables, on the basis of H** 3, 3 J, and 4 per cent., for converting 
Whole- Life Policies into Endowment Assurances, and making Endowment 
Assurances payable at an earlier date, or for limiting the number of 
Premiums payable, by the application of Bonuses to any of those purposes. 
Sise of card, 2 ft i in. by i ft. 8 in. Price £2. 2s, for the set of three 
cards; or ;f i. is. for one card. With Indices, is. each. 

THOMAS MARK (The Late). 
I. 
Notes upon Insurance and the Practical Working of a Life 
Assurance Fund. Price is. 6d. (A. G, No. 5.) 

II. 
The Fntnre: being the President's Inaugural Address te the 

Actuarial Society of Glasgow for the Session 1886-7. Price is. 

jjj^ {A, G., 2nd Series, No. 3.) 

Inaugural Address to the Actuarial Society of Glasgow for the 

Session. By the President. Price is. {A, G., 2nd Series, No. 14.) 

/. MARSHALL (The Late). 
Tables and Tracts connected with the Valuation, whether of Annuities 
and Assurances contingent on the Duration of life, or of Sums and Annuities- 
Certain; with various Formulae and IncidentaT Notices. Fcap. folio, 5j. 

JOHN M. M'CANDLISH, F.R.S.E. 

1. 

The Duties of an Actuary in his Professional Belationships : 

being the Inaugural Address for Session 1885-6. Price is. 

II, {A.E., Vol. II., No. I.) 

The Economics of Insurance. Price is. (a. g., 2nd Series, No. 8.) 

III. 

The Philosophy and Ethics of Business: a Lecture delivered 

before the Insurance and Actuarial Society of Glasgow. Price is. 

{A. G., 4/^ Series, No. 2.) 



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0« tc 9. %«sloii'f( yiAIkatioiiK. 181 

LEVI W. MEECH. 
Syitam and Tables of Life Intnranoe. A Treatise developed from the 

Experience and Records of 30 American Life Offices, under the direction 
of a Committee of Actuaries. New Edition. Royal 8vo., 551 pp., half 
morocco, £2, 2s, net 

JAMES MEIKLE, KF.A., FJ.A. 
I. 
Observations on the Bate of Mortality of Assnred Lives as experi- 
enced by Ten Assurance Companies in Scotland from 181 5 to 1863. £2. 2s, 

II. 

On the OAoial Publications of the Mortality of Assnred Lives : 

being the Inaugural Address for the Session 1884-5. Medium 8vo., 2j. 6d, 

{A. E. No, II.) 

D. Y. MILLS, A.I.A. 
Hew Business and the Cost of its Extension. Price is, 

{A, G., 4/A Series, No, 8.) 

JAMES JOHN WLAUCHLAN, F.F.A. 

I. 

On Joint Life Annuities. Price 2s. (^. JS* No, 2.) 

II. 
On some Formulas for use in Life Office Valuations. Price 4^^. 

(A.B.,VoUIL,No.\2,) 
III. 
On the Mortality in Certain Hazardous or TTnhealthy Oooupations. 

Price 25. {A. £,, Vol IV., No. 11.) 

HENRY MOIR, F.FA. 
The Practioal Calculation of Office Premiums. Price is. 6d. 

{A. £., Vol, IV.. No. 8.) 

T. H. MONK. 
Simplex Decimal Sterling and Dollar Exchange Tables. Demy 

8vo., card, 2s, 

FRANCIS C. MOORE. 
How to Build "Pire-Proo£" Demy Svo., 36 pp., is. 

{B. F. P. C. No, 10). 

A. H. MORGAN, F.F.A. 
Life Branch Work. Demy Svo. Price is. {A. G., yd Series, No. 2,) 

WILLIAM MORGAN, F.R.S. 

The Principles and Doctrine of Assurances, Annuities on Lives, 
Contingent Reversions, Stated and Explained. Demy 8vo. 1821. 
lor. 6^. net. 



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F. G. P. NEISON, F.S.S., &c. 
I. 
Vital StatUtios: being a Development of the Rates of Mortality and 
Laws of Sickness; with an Inquiry into the Influence of Locality, Occupations, 
and Habits of Life, on Health; an Analytical View of Railway Accidents ; 
and an Investigation into the Progress of Crime in England and Wales. 
Third Edition. 4to., cloth, 2is. net. 

II. 

The Hanoheiter Unity of Odd Fellows. Second Edition. Demy 

8vo. Price is. 

PROFESSOR J. SHIELD NICHOLSON. 
The Present Position of the Silver Question. Price is. 

{A,E., Vol. III., No. 6.) 

WM. SMITH NICOL, F.F.A. 

Forms of Life Office Books. Price is. 6d. {A. E„ Vol. JV., No. 6.) 

II. 
The President's Inaugural Address. Price is. 

{A.G., Vol. IV. No. 9') 

JOHN NICOLL, F.F.A. 
A Description of Certain of the Principal Stock Exchange 

Securities. Price is. {A. E., Vol. IV., No. 3.) 

H. ETHELSTON NIGHTINGALE, FLA. 
Pormnlas and Tables of Values for Life Interests and Reyersions. 

Demy 8vo., 5j. 

LIEUT.^COL. W. H. OAKES, A.LA. 

I. 

Tables of Compound Interest, for each Rate between f and 10 per 

Cent, per Annum, proceeding by Intervals of One-Eighth, and from i Year 
to 100 Years. — I. Present Value of £1* — II. Present Value of £i per 
Annum. — III. Amount of £1. — IV. Amount of £1 per Annum. Royal 
8vo., cloth, £2. 2s. net. 

II. 

Table of the Beciprocals of Numbers, from i to 100,000, with 

their Differences, by which the Reciprocals of Numbers may be obtained 
up to 10,000,000. Super Royal 8vo., cloth, 21s. net. 

III. 

Tables for finding the Half-Tearly Bate of Interest, from li per 

Cent, upwards, realized on Stock or Bonds, bearing ij, i|, 2, 2|, 2), 2{, and 
3 per Cent. Half- Yearly Interest, issued at any Premium and redeemable at 
Par in any number of Half- Years not exceeding 60. Imperial 8vo., cloth, 
I or. 6el. net. 



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0« k C a«ston'fS yuUbatioiiK. 183 



LIEUT.-COL. W, H. OAKES, AJ A. —continued. 

IV. 

Loans Payable by Drawing^s and Debenture Interest Tables. 

Demy 8vo., cloth, jfi. iij. 6flf. net. 

V. 

Tables for finding the Intermediate Bates of Interest in an 

Annuity-Certain, and of the Present Value oi £,\ per Annum (or Period) 

for any number of Years (or Periods) not exceeding loo, at each rate of 

Compound Interest between { and lo per Cent., proceeding by Intervals 

of One-eighth. Demy 8vo., cloth, lox. dd, net. 

The peculiar feature of these Tables is an extra Column^ containing a series of 

Multipliers^ by the aid of which the Rate of Interest in an Annuity (generally true 

Tvithin about one Farthing per Cent,) can be easily and expeditiously found from 

the Present Value of an Annuity of £i for any number of Years for Periods) not 

exceeding lOO, vi. 

A Perpetual Calendar for findi^ the Day of the Week Corres- 
ponding to any Date of the Christian Era up to 2099. On Card, dd, net. 

VII. 

Table for Finding the Present Value and the Amount of £1 per 

Annum at any rate of Interest from loi to 200 years, the present Values 
and the Amounts being given from I to 100 years. On Card, i x. net. 

/. aOONOGHUE, 
Many Licensing Questions and a Few Answers. Demy 8vo., 32 pp., 

LESLIE OGILVIE. 
Some Medical Aspects of Life Assurance. Price 2x. 

{A, E,, Vol. IV., No. 4.) 

H. DE B. PARSONS. 
The Tall Building under Test of Fire. With Illustrations. 32 pp., 

Demy 8vo. Price is. (B. F. P. C. No. 17.) 

D. R. PATERSON. 
Automatic Sprinklers. Price u. (A- G., zrd Series, No. 16.) 

WILLIAM PATERSON. 
Fire Extinction. Price is. {a. g., 2nd Series, No. 9.) 

DAVID PAULIN, F.F.A., F.R.S.E. 

Old Age Pensions and Pauperism: a present-day Problem. 
Price IS. (A. £., Vol. IV., No. i.) 

WILLIAM POSTDOWN. 
The Benefits to be deriyed by Fire Insurance Companies from 

the Establishment of Salvage Corps. Price is. {A.G., Vol. IV., No. 10.) 

M. EUGENE REBOUL. 
The Duty of Life Assurance. Translated by W. Sutton Cover, 
F.I.A., F.S.S. Price is. 



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184 «* tc «. %«steii'f( ytAUcxtbtiK. 

JOHN JAMES ROBERTSON. 
Some Votes on Agency Visitation. 80 pp., crown 8vo. 2s. net. 

H. J. ROTHERY (The Late) and G. H, RYAN, FJ.A. 
Premium Conyersion Tables, for finding Single and Annual 

Premiums corresponding to given Annuity-values at certain Rates of 
Interest. Cloth. Price 21s, net. 

Part I.— ANNUAL METHOD. Values of A and P, corresponding to 
a; comprising the Tables published (in 1850) by the late Mr. W. Orchard, 
revised and extended. _ _ 

Part II.— CONTINUOUS METHOD. Values of A and P, corres- 
ponding to a, 

JAMES B. RUSSELL, M.D., LLJ). 
The House in Belation to Public Health. Price is. 

(A. G,, 2nd Series, No, 5.) 

CHARLES KNIGHT'RUTHERGLEN. 
Com Mills. Demy 8vo. Price u. (^. O. No, 6.) 

F. W. P. RUTTER. 
The Versatility of an Insurance Career. Price ix. 

{A. G. ^h Series No. 6.) 

GERALD H. RYAN, F.IA., F.S.S. 

I. 

On the Seyeral Mortality Tables employed by Life Assurance 

Companies in the Valuation of their Annuity Contracts. Price 2s, 

i,^ {A. E. No. IS.) 

Premium Conversion Tables. (See H. J. Rothery and G. H. Ryan.) 

EDWIN O. SACHS, F.S.S. 

I. 

Fires and Public Entertainments. A study of some i,ioo Notable 

Fires at Theatres, Music Halls, Circus Buildings, and Temporary Structures 
during the last lOO years. 12s. 6d. net. 

II. 
What is Fire Protection! A Study. Demy 8vo., 38 pp. is. 

{B. F. P. C. No. I.) 
III. 
The Paris Charity Bazaar Fire. Demy 8vo., 52 pp., is. 

(B. F. P. C. No. 3.) 

FRANK SANDERSON, M.A. 
Life Assurance in Canada. Price 2s. {A.E., Vol. IIL, No. 7.) 



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9. k 0. %«ston'f( yttilbatioiifi. 185 

EDWARD SANG, F.R.S.E. 
Life ABSorance and Anniiity Tables, with a copious collection 

of Rules and Examples. 

The Publishers have a small remainder of these valuable Tables, which 
they are now offering at the following reduced prices : — 

Vol. II. Two Utm, OarUil* BUb, 8 p«r Oont., at £S. Si. each. Demy folio, doth. 

PHILIP SAYLE. 

I. 

Pocket Companion for Life Assnranoe Agents. 2nd Edition, 

Revised. Fcap. 8vo., 75 pp., doth, is, 

II. 

One Hundred Means of Inflnenoing Life Polioies. 3^. ; 17^^. 6d. 

per 100 ; ;f 5 per looa 

ARTHUR SCRATCHLEY (The Late). 
Treatise on Building Societies and Ayerage Inyestment <' Trusts." 

zjs. 6d. 

E. ARTHUR SCRATCHLEY. 
Model Rules and Tables for a Permanent Building Society, 

with remarks on numerous practical points arising thereunder, and a 
copious Index to the several clauses contained in the Rules; being a 
Supplement to the late Arthur Scratchley's Treatise on Building 
Societies. Price 5j. net. 

E. ERSKINE SCOTT. 

I. 

Two Tables of Logarithms to Natural Numbers, andNatural Numbers 

to Logarithms, for all Numbers from I to 99)999, and all Logarithms from 
'ooooi to '99999; arranged so that the Logarithm or Number required is at 
once obtained correctly to Five Places of Decimals, by means of a Marginal 
Index, and without Reference to Tables of Differences in any Case. Royal 8vo., 
with Index complete. Half-calf, £2. 2s. net. New Edition, 

II. 

A Short Table of Logarithms and Anti-Logarithms to Ten Places, 

in Two Parts, whereby the Logarithm of any Number to Ten Places of 
Decimals, and the Number corresponding to any Logarithm to Ten Places 
of Decimals, may be readily and correctly found, to which is added a 
Complete Table of Constants, with Formulse for their Application. Royal 
8vo. Price lor. net. 

R. H. SCOTTER, CE. 

Cotton Fires and Cotton Bales. Demy 8vo., is, 

{B. F, P, C. No, 6.) 
H. R. SHARMAN. 
A Handy Book for Life Assurance Agents. Crown 8vo., is. 6d, 

net. 



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SIR EYRE M. SHAW, K.C.B. 
Fire Protection : A Complete Manual of the Organisation, 

Machinery, Discipline, and General Working of the Metropolitian Fire 
Brigade. New and Revised Edition. Demy 8vo., 348 pp., cloth, 5x. net. 

ROBERT SHORTREDE, F.R.A.S., &c. 
Logarithmic Tables to Seyen Places of Decimals, containing 

Logarithmic Sines and Tangents to every Second of the Circle, with 
Arguments in Space and Time. Revised Edition, With additional 
Preface and Examples, by Major-General Hannyngton, F.I. A., F.S.S. 
Super Royal 8vo., 602 pp., cloth, 30X. 

PIERCE ADOLPHUS SIMPSON, M.A., M.D. 

Old Age. Price is. (A. G., zrd Series, No. 4.) 

A.M. SMEE,M.R.C.S.,& THOMAS G.ACKLAND,F.I.A. 
On the Assnrance of Lives liable to Service in Military and 

Naval Operations at Home and Abroad, (i) General Continental 
Populations. (2) Professional Military and Naval lives. 44 pp., 
Medium 8vo., paper, 5^.; cloth, Js. 6d. 

ADAM GILLIES SMITH, F.R.SM. 
On Money and the Fntnre Rate of Interest : being the Inaugural 

Address for the Session 1881-2. Price is. {A. E. No. 7.) 

II. 

Some Remarks on the Report by the Commissioners appointed to 

Investigate into the Recent Changes in the Relative Values of the Precious 
Metals : being the Inaugural Address to the Actuarial Society of Edinburgh 
for the Session 1888-9. Price is. {A. E., Vol. II., No. 7.) 

JOHN TURNBULL SMITH, CA. 
Ontside Business Training : being the Inaugural Address to the Actuarial 
Society of Edinburghfor the Session 1889-90. Price u. {A.E., Vol.IL,No.io.) 

W. COOK SPENS. 
Law as to Presumption of Life in connection with the Dis- 
appearance of Assured Lives. Price is, {A. G., 2nd Series, No. la) 

GEORGE C. STENHOUSE, F.F.A. 
The Mortality among Assured Lives, viewed in relation to the 

Sums at Risk. Price 2s. (A. E., VoL II,, No. 9.) 

A. E. SPRAGUE, M.A., B.Sc, F.F,A„ F,LA. 
Note on the Bate of Mortality in Sierra Leone: Also an 

Investigation as to how far Life Insurance is of a Provident Nature as 
benefitting the Assured and his Family; and how far it b of a merely 
Financial Character, as benefitting his Creditors and Assignees. Price \s. 6d. 

{A.E. VoLIIL,No, 12.) 



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T. B. SPRAGUE, M.A., LL.D., F.I.A., F.F.A. 

I. 

Life Insurance in 1872 : being a Summary and Analysis of the 

Accountsof the Life Insurance Companies of Great Britain and Ireland, as now 

for the first time exhibited by the Returns deposited with the Board of Trade, 

in pursuance of the "Life Assurance Companies Act, 187a" Demy 8vo., is, 

II. 

A Treatise on Life Assurance Accounts; showing in particular 

how the Annual Revenue Account and Balance Sheet of a Company should 
be drawn up, so as to be in strict conformity with the Schedules of the 
''Life Assurance Companies Act, 1870 ;'' and containing a Complete 
Examination of the Accounts deposited with the Board of Trade under 
that Act Demy 8vo., 158 pp., cloth, 5^. 

III. 
On Probability and Chance, and their connection with the business 
of Insurance. Price, is, (A. E,, Vol, III,, No, 4.) 

IV. 

Select Life Tables, deduced from the Institute of Actuaries' 
Experience (Healthy Males), with Commutation Columns and Monetary 
Values at 2^, 3, 3i, and 4 per cent Interest. Medium 8vo., half calf, 
169 pp., 21s, 

CHARLES STEWART. 

I. 

Fire Insurance : a Historical Sketch. Price 6d, {a, G, No, 2.) 

II. 
The Contract of Fire Insurance. Price is, {A, a, 2nd Series, No, i.) 

DAVID STEWART. 
Inaugural Address to the Actuarial Society of Olasgow for the 

Session. By the President. Price is, {A, G,, srd Series, No, I.) 

JOHN STEWART, A,FA. 
Life Annuities. Price is. {a. g., 2nd Series, No, 2,) 

J. MOODY STUART. 
Life Insuranoe in Hew Zealand. Demy Svo. Price dd. 

T. K. STUBBINS, F.S.S. 
Annuity Tables, for Building Society and General TTse : shewing 

the Present Value of £1 per Calendar Month, payable at the end of each 
Month, for Twenty-five Years; the Present Value of £1 per Quarter, pay- 
able at the end of each Quarter, for Fifty Years ; and the Present Value of 
£1 per Half- Year, payable at the end of each Half -Year, for Fifty Years ; 
at 3» 3l» 4» 4i> 5» Si» ^> 6J, 7, 7J, and 8 per Cent. Demy 8vo., cloth, 
los, 6d, 

HAROLD SUMNER. 

Fire Service in Factories, Works, &c. Demy 8vo., 28 pp., is, 

(B. F. P. c. No. 8.) 



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188 0, & 0. ZaBtosi'0 ViAIicttiosttf. 

A. W. SUNDERLAND (The Late). 
Hotet on Finite Differenoet, for the use of Students of the Institute 
of Actuaries. Demy 8va, doth, 5^. net. 

WILLIAM SUTTON, M.A. 
The Institute of Actuaries' Text-Book of the Principles of Interest 
(indading Annuities-Certain), Lifb Annuities, and Assurances, and 
their Practical Application. Part I. Interest (including Annuities- 
Certain). Medium 8vo., 192 pp., half-calf, los, 6d, Out of Print.— New 
Edition in preparation. 

JOHN P. TAWSE. 
Electric Lighting, and its Relation to the Risk of Fire. Price is. 

{A. G. No. la) 
F, 7. C. TA YLOR (The Late). 
Tables of Annuities and Premiums, computed at Si per cent 

Interest. Demy 8vo, 114 pp., half calf, 2Ij. net. 

SPENCER C. THOMSON, B.A. 

I. 
Bemarks on the Position and Prospects of the Actuarial Pro- 
fession, and of the Business of life Assurance : being the Inaugural Address 
to the Actuarial Sodety of Edinburgh for the Session 18S6-87. Price is, 

{A. £., Vol. II., No. 3.) 
II. 

Past and Future, with some Thoughts on Heredity: being the 

Inaugural Address for Session 1897-98. Price is. {A. £., Vol. IV., No. 9.) 

W. A. TIPPING. 
I. 
America as a Fire Insurance Field. Price i^. 

{A. G., 4/A Series, No. 3.) 
II. 

President's Inaugural Address, on the opening of the Seventeenth 
Session. Price is. {A. G., 4M Series, No. 5.) 

GEORGE A. TODD. 

Fire Insurance Surveying, with Diagrams. Price 2s. 

{A. G., ^Series, No. 5.) 

A. D. TURNBULL, A.I.A., F.F.A. 

I. 

Interest and Annuity Certain Logarithm Card, with Practical 

Application. Price 2s, 6d. 

II. 

Some Suggestions in Segard to Life Office Accounting: including 

inter alia an Arrangement of the American Card System suitable for the 
requirements of British Offices. Price zs. {A. E,, Vol. IV., No. 7.) 



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A. H. TURNBULL, FJA., F.F.A. 
Tenure of Land in the United Kingdom and its principal Colonies: 

being the Inaugural Address to the Actuarial Society of Edinburgh for the 
Session 1890-91. Medium 8vo., is, {A, £,, Vol, IL^ No, li.) 

A. D. TYSSEN, D.CZ, 
The Leasehold Assurance Onide, with Forms for use of Settlements 
and Mortgages, and the Scale of Charges and Copy Policy of all Offices 
doing this class of business. 56 pp.. Demy 8vo., paper cover, is, 6d, 

CORNELIUS WALFORD (The Late). 

I. 
The Insurance Cyclopssdia: being a Dictionary of the Definition of 
Terms used in connexion with the Theory and Practice of Insurance in all 
its Branches ; a Biographical Summary of the Lives of all those who have 
contributed to the Development and Improvement of the Theory and Prac- 
tice of Insurance, whether as Author, Manager, Actuary, Secretary, Agency 
Superintendent, or otherwise ; a Bibliographical Repertory of all Works 
written upon the Subject of Insurance and its Associated Sciences ; and an 
Historical Treasury of Events and Circumstances connected with the Origin 
and Progress of Insurance, including a History of all known Offices of 
Insurance founded in Great Britain from the beginning. And also containing 
a Detailed Account of the Rise and Progress of Insurance in Europe and in 
America. This Work is complete as far as the letters " Here." Parts, 
price 2s. 6d, Four Parts constitute a division in flush boards, cloth, lar. 6d. ; 
eight parts make a handsome vol. in cloth, 640 pp., price £l, is. Vols. I. 
to v., and Part i of VoL VI., have been issued. 

SnbMri)>en ean liava the back Humbert of thii invaluable Work ae&t Monthly, or at 
any other interval ohosen, oonuneneing with Part I. 

II. 

The Insurance Onide and Hand-Book to the Principles and Practice 
of Life Assurance; a Hand-book of the best Authorities on the Science; 
with a History of the Introduction of the various branches of Insurance now 
practised ; a popular outline of the Laws of Mortality ; of the Construction 
of Mortality Tables ; the Formation of Rates of Premium, the Derivation 
and Division of Bonuses ; the operations of Interest, simple and compound; 
the Surrender Value of Policies, and other points of practice ; together with 
a Chapter on Life Assurance as an Investment. Demy 8vo., cloth, icxr. 6d, 

III. 

The Insurance Tear Book, 1870. Demy 8vo., 2s, 

T. WILKINSON WATSON. 

I. 

President's Inang^al Address to the Actuarial Society of Glasgow 

for the Session. Price is, (A. G,y 2nd Scries^ No, 6.) 

II. 

President's Inangnral Address to the Actuarial Society of Glasgow 

for the Session. Price is. (A. G,, 2nd Series, No, 11.) 



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190 e« k 0, S«ston'0 ViAHcatiosttf. 



A Table for ascertaining the Number of Days between any two 
Dates, for Calculating Interest, Dating Bills, Short-term Policies, &c. 
On card, is, 

Words to Wives upon Life Assnranoe. Price sd. ; ijs. 6d. per 

100 ; ;f 5 per locx). Special arrangement for larger quantities. 

Words to Business Hen: a Life Policy the Best Investment. 
Price 3^. ; i;^. 6^. per lOo ; ;^5 per locx). Special arrangement for larger 
quantities. 

THOMAS WALLACE, FJ.A., F.KA. 
On the Bate of Hortality among Liquor Sellers. Price is. 

{A. E., Vol, IL, No, 6.) 

ALEXANDER WATT. 
Fire Insuranoe: Practical Votes on Leading Cases. Price \s, 

{A. G,, ^h Series, No, 4.) 

W. J. H. WHITTALL, F.LA, 

I. 

An Elementary Lecture on the Theory of Life Assurance. 

Demy 8vo., sewed, u. ^, jj 

Valuation and other Tables, deduced from the Institute of 

Actuaries* Mortality Experience, comprising Annuity Values and Assurance 
Premiums, Commutation Tables, Policy Values, Temporary Annuity Values, 
Endowment Assurance Premiums, and other Tables, based upon the H^ 
Table at 2.\ per Cent.; Annuity Values and Assurance Premiums, 
Commutation Tables, and Temporary Annuity Values, based upon the 
H**<5) Table at 2\ per Cent. ; and Temporary Annuity Values, based upon 
the H**l5) Table at 3, 3i, and 4 per Cent. To which are appended Select 
Mortality Tables, Select Commutation Tables, and Select Annuity Values, 
based upon Finlaison's Government Annuity Experience (1883) at 7.\ and 3 
per Cent. By G. King, F.I.A., and W. J. H. Whittall, F.I.A. Price 
2 1 J. net. 

NATHAN WILLEY— Actuary. 
A Treatise on the Principles and Practice of Life Assurance; 

being an Arithmetical Explanation of the Computations involved in the 
Science of Life Contingencies, to which are added Valuable Tables for 
Reference. Actuaries' Edition, One Guinea net. 

Hon. E. WRIGHT. 
Life Valaation Tables. £\o. los. 

JOHN WRIGHT. 
Hemoranda for Life Assurance Agents. Eleventh Edition (5,000). 

Revised. Crown 8vo., sewn, Sd. 

T. E. YOUNG, BA., F.R.A.S. 

(late president op the institute of actuaries.) 

On Centenarians; and the Duration of the Human Race: A Fresh 
and Authentic Enquiry ; with Historical Notes, Criticisms, and Specula' 
tions. Price p, ^, 



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Annuities, Mathematics, Friendly and Building Societies, and 
Finance. Catalogues on application, 

STATIONERS.— Office Stationery and Fittings of every descrip- 
tion required by Assurance Companies, Banks, Solicitors, Public 
Companies, and others. 

ENGRAVERS on Steel or Copper for Headings, Invoices, 
Receipts, Bank Notes, Cheques, Bills of Exchange, Cards, &c. 
Dies for Envelopes, Crests, Seals, Medals, &c., and Lever 
Presses for the same. Brass and Zinc Door-Plates. Photo and 
Wood Engraving. 

PRINTERS* — Copperplate, Letterpress, and Lithographic Printing, 
in all Branches. 

DESIGNERS and DRAUGHTSMEN.-Show Cards, 
Almanacs, Prospectus Covers, Date Pads, Blotting Books, 
Testimonials. Architects*, Surveyors' and Auctioneers' Plans, 
Quantities, &c. 

ENVELOPE MAKERS.— Envelopes Manufactured in all 
shapes, sizes, and qualities. Relief, Cameo, and Plain Stamping. 
Illuminating. 

ACCOUNT BOOK MANUFACTURERS. - Patterns 
ruled to Accountants' instructions, and Books Bound of every 
description. 

ADVERTISING AGENTS and CONTRACTORS.— 

Advertisements inserted in the London Gazette^ and in all 
London and Provincial Newspapers, Magazines and other 
Publications. Schemes for Advertising, and Estimates. 



MAKERS OF TATE'S IMPROVED ARITHMOMETER, 
for the Calculation of large sums of Multiplication 
and Division. Prospectus on application. 

Agents in New Torkf Melbourne^ Sydney, Cape Town* 

Digitized by VjOOQIC 



" I have much pleasure in saying that since<I received my Tate's Arithmometer in 1888 it has 
never been in thesmallest particular out of order, andit is working now as perfectly as when it was 
new."— Gborgb King, Esq., Vice-President Institute of Actuaries. 



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"The Tate's Calculating Machine furnished this Department by you in 1885 has been, s 
that time, and is now, used almost constantly, and has given the best possible satisfaction. It 
never needed repair, even to the replacing of a broken spring, and, from present appearano 
likely to work well for several years to come." — Insurance Department ^ State of New York, 

C. & E. LAYTON, 56, FARRINGDON STREET, LONDON. 



SCOTTISH PROVIDENT 



INSTITUTION. 



I 



N THIS SOCIETY, established in 1837, are combined the advantages of 
Participation in the Whole Surplus with Moderate Premiums. 

THE PREMIUMS are on so moderate a scale that an assurance of 
;£i,200 or ;£i,250 may generally be secured from the first for the yearly 
payment which usually would assure (with profits) ;^ 1,000 only. The 
additional ;^200 or jC2So is thus an immediate and certain Bonus of 20 or 
25 per cent, as large as can be looked for in good offices after many years. 

THE WHOLE SURPLUS goes to the Policyholders, and is reserved 
exclusively for Members (more than half of those who enter) who survive 
the period at which their premiums, with compound interest at 4 per cent., 
amount to the original assurance, no share being given to those whose 
earlier death causes loss to the common fund. 

EXAMPLES OF PEEMIITMS FOB £100 AT DEATH— WITH PE0FIT8. 



Age. 


25 i 30* 1 35t 

£1180;£216£26 10 
2 10 2 2130 2 17 9 
385iS12 1 3 18 


40 

£214 9 

3 4 6 

4 5 8 


45 50 

£3 5 9 £4 1 7 

3 14 4 8 7 

4 16 2 5 11 8 


55 

£6 111 
6 6U 
6 9 11 


During Life .. 
26 Payments.. 
15 Payments.. 



*A person of 30 may secure £1,000 at death by a yearly payment, during life, of 
£20. 158., which would in most Offices secure (with profits) £800 only. Or he may secure 
£1,000 by 25 payments of £26. 108., being thus free of payment before age 55. 

tAt age 35 the Premium ceasing before age 60 is. for £1,000, £28. 178. 6d., being about 
the same as many Offices require during life. To Professional men and others whose 
income is dependent on health, the limited payment system is specially recommended. 

THE SURPLUS at last Investigation (1894), amounted to dei,423,0(X). 
More than one half of the Members who died during the last Septennial 
period were entitled to Bonuses which, notwithstanding that the premiums 
do not as a rule exceed the non-profit rates of other Offices, were 
on the average equal to an Addition of about 50 per cent, to the 
Policies which participated. 



The ACCUMULATED FUNDS 



£11,000,000. 



Aberdeen — 166, Uuijn Stret-t. 
Belfast— 10, Donegal Square, N. 
Birmingham — 95, Colemore Row. 
Bristol— 31, Clare Street. 
Cardiflf— 19, High Street. 
Dundee — 12, Victoria Chambers. 



Glasgow — 29, St. Vincent Place. 
Leeds— 35, Park Row. 
Liverpool — 25, Castle Street. 
Manchester— 10, Albert Square. 
Newcastle— I, Queen Street. 
Nottingham — 27, Victoria Street. 



LONDON: 17, king william 8T., e.c. DUBLIN: 36, college green. 
HEAD OFFICE: 6, ST. ANDREW square, EDINBURGH. 



Digitized by 



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ESTABLISHED OVER HALF A CENTURr. 




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ASSURANCE SOCIET;^ 

10. FLEET STREET, LONDON. 



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Full Information on application to the Manager. 4^-^ 



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