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I
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^-■-^
I
i
NATIONAL LOAN FUND,
AND
DEFERRED ANNUITY SOCIEfY.
lEmpototwU liB ^tt of ^dianwnt.
26, CORNHILL, LONDON;
AND HALIFAX, NOVA SCOTIA.
LONDON:
» n 'GAtTV 5s of\ PHiMT'T?.!!?! AVTi Rl' ATTONICHfi- ft^ flORNHILL
<3 ^ M« -3
MDCCCXt.
I
IP
NATIONAL LOAN. FUND,
LIFE ASSURANCE, AND DEFERRED ANNUITY
SOCIETY.
\
#
OAPITALe £600,000:
T. LAMIE MURRAY, Esq., Chairm*k.
ROBERT HOLLOND, E«a.» M.P.
GEORGE LUNGLEY, Esq.
JOHN RAWSON, Esq.
Coi. Sir BUROES CAM AC, K.C.S.
J. ELLIOTSON, M.D., P.R.9.
H. GORDON, Esq.
' JOSEPH THOMPSON, Esq.
flultUots.
DR. OLINTHUS GREGORY, F.R.A.S.
PROFESSOR WHEATSTONE, F.R.S.
mmtian. Sutgeon.
J. ELLIOTSON, M.D., F.R.S. I E- S. SYMES, Esq.
37, Conduit Street. | 38, H.ll Street, Bkukfxev Sqvar..
Actuarff.
W. S. B. WOOLHOUSE, Esq., F.R.A.S.
Mkmrs. LADBROKES, KINGSGOJE, & CO., Bank Boiloinos; and
Messrs. WRIGHT & CO., 5, Henuietta Street, Covent Garden.
fttanUfng <Io«n«I- SoltcttoM.
W. MILBOURNE JAMES, Esq. I THOMAS BLAND, Esq.,
Stomb BcttDiHOi, Lincoln's Inn. | 43, Bedford Row.
Secrctars.
F. FERGUSON CAMROUX, Esq.
BOARD OF MANAGEMENT,
Halifax, Nova Scotia.
L
DIRECTORS.
GEORGE P. LAA\^SON, Esq.
THOMAS RITCHIE GRASSIE, Esq.
JOHN EDWARD STARR, Esq.
HoN-:f J. LEANDER STARR, Manager.
PHYSICIAN.
^VM. JOHNSTON ALMON, M.D. and A.B.
«OL!eiT«R=
JOHN C. HALLIBURTON, Esq.
rY
.p.
L
X.
NATIONAL LOAN FUND
LIFE ASSURANCE & DEFERRED
ANNUITY SOCIETY.
LIFE ASSURANCE.
argument necessary to satisfy the provident of every cl»ss
of he,r ufhty. Such Institutions are of incaleulable vie"
m. .gat,ng the evi„ flowing out of the individual uncerLin y
frut^nf , '" "■'"'"'"i, '" ""^ «"™™" "f " short life the
LI" "^ ""f • .7^' "•""''" ""<• P™?'«» within the
last fe,v years are deeded proofs of advancing intelligence.
It must not however, be overlooked, that the great advan-
tages they confer are as yet almost exclusively enjoyed by the
upper classes. The great bulk of Society.^ied of no
cer am .ncome,relyingon the exertions of industry for support
-however ample for the present, but subject to the varL,
uncertainties of life— seldnm ;« «„ , i vinoui
/ , ""=-*«">»'» 111 any number resort to Life
Assurance for the provision of a Family: hence to them the
construcfon of these Establishments is less inviting than to
hose of a certam .ncome, however limited. Again ; the occupa-
tions and engagements of this class, by far most numerous
important, and wealthy in theaggregate, expose them to vicis-
situdes, in reality only affecting the few, yet the apprehension
of which, and the uncertainty of continued income; deter them
from entering into contracts for Assurance; where the advan.
tage, being so remote, is moreover made to depend on the
chances of a permanent state of prosperity, over which the
most prudent have no kind of controf
Against the class above mentioned the door of Life Assur-
ance IS at present closed: few will venture across its threshold.
8
who, being uncertain of the future means out of ^vhich to make
gooa the payment of the annual premium, may ^"fl"' *»"»-
selves, widi the low of their policy, to the mortification of
liaving spent their money in vain.
To remedy the defects of the present system, the application
of a ne,v pLiple is required; viz. to mal:e tl.e advantage
derivable from an annual saving, or accumulation conhn^m*
„„ too «• more chances-death or mUfirtunedun^ "" ffZi
of the party a«^ed. In the one case, tlie benefit would read^
the survivor ; in the other, it wmld commence mfavowr of the
assured himself, at the very point of permanent or temporary
embarrassment.
By the present plan of Life Assurance, the benefits arise
upon a single contingency-the death of the party assured ;
and this again contingent on the regularity in the payment of
"e lual premimn. But it has been shown this can only be
p omised, o'r wisely undertaken, by those having a specific and
Sn income; and, therefore, to include all classes, those
who do, and those who do not possess a cettain income, that
nlan of Life Assurance would far surpass all others in utihty
Ld attraction, which would convert the annual saving or pre-
„,ium paid by the assured, eitUer into a protecUon to Um m the
Zent of misfortune-the means of promottnff, at all times m^
Tresent iNTEREST-or a pTOvisiou FOR HIS FAMILY at death.
Compared to the interest an individual takes in himself, the
provision for his family is secondary, notwithstending the
Length of the latter feeling in the human breast; and it will
be c-sidered by every one, at least of equa importance to
protect himself against the occurrence of casuamesand reverses
^ohile Iwing. as to provide for his family at death.
Bv the plan of this Assurance Society it is proposed to join
together these two strongest of human motives, and by this
means to give the most powerful encouragement to lay up a
provi i n for the future. It is therefore proposed that the fund
r:C nut of the premiums paid by the Assured, will be made
HIS
of the contract on Ihe Policv ,tS ' ^ •""™*"'
which the assured Mill LemkM A^' I ■""■^'^' ""' "^
borrow equal to ^1)1^70 t^r^rt^Xr"'"''.,!''
«..*i-B..Ceits;xiits,"^^^^^^
;.~edthe,eadi:^i^^^^^^^
bui. of societU:Si:j>r::.r .w!:i:';7'-'
^reat class— wdio for wan<- nf J \. ,! f^o?'«« to that
and even is protected ^gaiLt his neglige i"i„Thr"^
of discont nuino- his DavmAnf« i • ^ ^ "^^» ^» ^" the event
tbeless. receive^athiLLri!:':i7':r ?'»'!- -"• -er-
after «ve payments. "'"•■■"•« ""ati-eiiM expended
To the Widow .nd younger Child,™, when ^Jf^J"*^'
„i.im in tlieir favour, a special additional Bonus «
:;:;; itZ :^Z1Z >; mo'st frequently the ^ea«,t
Stune: and .„ this class a "-">"' "/."P^l^:,*"^^^
by enlisting the feelings of affecUon in aid of a general tpmt
of prudence.
Objects of thb society—
p,„^A Life Assurance may be effected -*J«^X%S or
by an Annual Premium, «hich may be paid monthly, quarterly,
half-yearly, if more convenient.
.W,_A Life A..ur.ic. r^.'^-^^^^JZ^JCl^C
pay^enu on . g''^"'"'? ""-r^l i" r^Z id te,»ia.bl.
Rale» of Premium, varymg ewli 8v« or ten yean,
or not at the option of tiie Assured.
nirdl^K Life Assurance may be effected on the Life of another.
on Joint Lives, or Survivorships.
f.,„M;j,-An„uities immediate, deferred, or contingent, ,.111 be
granted : also endo«ments for Children.
-r:roXi:.rLv:T=f:^-Bru
West Indies, and all Foreign Climates.
2. Uses —
The assured will have the option of converting hi. Policy, .t ^ «■»'•
into the following uses, viz.
First-li^io an immediate payment of its present value.
5.o«%-Into a new Policy, without any further Premiun,. payable
at his death, equal in present value to his onginal Pohcy
Thirdly-lviio an Annuity of equivalent value.
Fo«r^A/^-IntoaSecurityonwhichhemayborrowequaltotwo.thirds
of his payments.
™«.-In the event of negligence or inability «° 7.';°"',™ ^I^l
Te^-™. by "hich his Policy would become 'o*^^;""//;.,
Ltativcs win. neve«h_e.ess, recede ^-Jhe Societ^^^^^^ ^^ ^^^
. ;;;yrr<::-«« of »" W^nVmade- after the «rst hve years.
9' Loan Fund—
First-.The auured may at anj/ time act upon thU Fund to the extent,
as before, of two-third. of hu payments as a Cash Credit, upon giving
notice to the Office or Agent at each Branch of the Society.
Secondfy-The sum borrowed maybe for a permanent or temporary
period ; but irregularity in the payment of Interest subjects the
Loan to be recalled.
Edi!i?*7'^p',.'^""" """'■"'^ "° "'• ""^^ "^ P^««'« ^•J'o »»y •"'vc the Bonuses
twl^ !, r! '^' ^^^ '° '•** '°"'- °^ ■* '■«^ y^*'" »>• «°t"l«d not only to borrow
two-mrd, of h,s paymeut,, but to recciv. a, a right the full value of the BonuBe, so
b*ceed the Full Amount of his entire payments.
4. Bonus —
i^r«<-Two-third8ofthe Profits estimated Annually after the first
three or five years, will be divided amongst those assured for life,
on a participating scale of the Society, and the Profits of the Gua-
rantee Fund, invested in reversionary and other Interest, will be
estimated in each division.
Secondlt/-E,ich Bonus, at the option of the assured, will be paid in
money, or applied to the reduction of the future Premiums, or an
equivalent added to the Policy.
7T4irrf/j/-.Each Branch will be entitled to a separate Bonas, founded
Mpon a calculation of its success.
4. Specialty —
When a claim on the Society becomes vested in the Widow or younger
Children of the assured, a special Bonus will be added to the Policy
on Its payment.
The attention of the Directors is unremittingly given to the
dittusion of the principles of this Society throughout each
district of the United Kingdom, upon a new plan of local
advantage to the assured; several Branches have already been
established, and others are under consideration. Influential
individuals desirous of instituting a Branch of this Society, or
forming themselves into a Committee for that object, by ad-
dressing a letter to T. Lamie Murray, Esq., at the Office of
the Society, will meet immediate attention, or. if the prospects
, „,^ sutuviciii, will receive a visit or that purpose.
CONDITIONS OF ASSURANCE.
Policie., whether the premlumi be payable yearly, half-yearly, quarterly,
or in any other manner than by a single payment, will not be considered in
force if the premium, remain unpaid beyond one calendar month after
becoming due ; but on satisfactory proof to the Directors that the party or
parties assured continue in good health, the Policies may be revived at any
period within twelve months, on payment of a fine of ten shdhngs per cent.
on the sum assured.
A Policy will become void if the paity whose life has br-en assured shall
die upon the seas, except in passing from one part of the United Kingdom
to another, or in passing or repassing between any part of the United
Kingdom to any of the Islands of Guernsey. Jersey, Alderney, &ark. and
Man, in decked Vessels or Steam Boats, or in passing in time of peace m
Queen's Ships. Packets, or Passage or Steam Vessels, to and from British and
Foreign Ports between the Elbe and Tagus both inclusive, or unless the
party shall pay. by way of premium on the amount assured, for the sea risk
at the rates then in use by the Society. The policy will also become void
if the party shall enter into or engage in any Military, Naval, or Preventive
Service whatever, without the previous consent in writing of the Directors ;
or if the party shall go beyond the limits of Europe, unless the extra risk
•ball have been previously paid to the Society, according to the tables of
extra risks for Foreign Climates adopted by the Society But in respect
of such parts of the Gulf of Mexico, the West Indies and places adjacent
M are comprised between the limits of lO" and 34" North Latitude, and
between 37» and lOO" West Longitude from Greenwich ; and in respect ot
the coast from the mouth of the River Orinoco to the mouth of the River
Amazon, and the West Coast of Africa, except within the limits of the
Colony of the Cape of Good Hope ; and the East Coast, from the Equator
to the limits of the said Colony.-^pecial permission must m all cases be
obtained from the Directors.
A«.uranc£. ^ade by persons on their own lives will not become void if
they die bv their own hands, by duelling, or by the hands of Justice, but
they will become void if they die by their own hands within seven years
from the date of the Pohcy, save to the extent of any bona-fide interest
Ihctein, acquired by any other person or persons under an assignment, tor
« Taluable consideration in money, or by way of security, or indemnity, or
bt virtue of any legal or equitable lien, upon proof of the extent of such
interest being given to the satisfaction of the Directors ; but if any person
assured upon his own life, die by his own hands, within the time aforesaid.
the Directors shall be at liberty, if they think proper, to pay for the beneSt
of his family, any sum not exceeding what the Society would have paid for
the purchase of his intcre»i in ine roue-/ u r. «»« "^en curre..-,..r
Society the day previoui to his deceue ; provided the interest in such tsiur-
juice shall be m the assured, or in any Trustee or Trust,«eo. for him, or for
his Wife, or Children, at the time of hit decease.
The Society will in all cases require proof of the age of the p. rson whose
lite IS assured, before payment of the Policy, unless that fact shall have been
previously ascertained and admitted by endorsement on the same.
Upon the death of the party assured, the claimant shall, if required, make
satisfactory proof thereof to the Directors, and also of the time and manner
o! -uch death. All claims will be paid within three calendar months from
proof of such claim to the satisfaction of the Directors.
Ifany difference arise with regard to a Policy, such difference shall, at
the option of the claimant upon such Policy, be submitted to the arbitration
of two persons, (one to be appointed by the Directors, and the other by the
claimant,) ose award, or that of the umpire named by them, shall be
conclusive,
N.B.— An Assurance may be effected at th<* : 'k e of the Society or at
any of its Branches. The General n.jcfing of the Directors is on
each Tuesday and Friday, but to facilitate business, a Board, with a
Medical Officer, is in daily attendance at Two o'Clock.
6
ENGLISH STAMP-DUTY.
The Duty on Life Assurances, as fixed by the 55th George III. cap. 184,
and 5 & C William IV. cap. 64, is for Suras,
Not exceeding £50 . £0
Exceeding £50 „ „ lOO . .
» loo and under 500. . 1
Amounting to 500 „ lOOO . . 2
» ». 1000 „ 3000 . . 3
» » 3000 „ 5000 . . 4
»» M 5000 and upwards 5
ftnd is only chargeable on the first Payment of the Premium.
IRISH STAMP-DUTY.
Not exceeding £50 . £0 2 ft
Exceeding £50 „ „ 100 .. 5
» 100 and under 461 10 9;^ . 10
Amounting to 461 10 9i „ 923 1 6^ . 1
95J3 1 Gi „ 2769 4 7^ . 1 10
iim
61
nd upwards
u u
8
PRElVimMS
for the AiBurance of iSlO^ on a Sikol* Lir«.
AoB
next
Birth-
Day.
FOR LIFE.
For
One Year only.
iNNUAL rHEMIUMS.
SINGLE PREHIUMS.
Without Profits.
With Profits.
Without Profits.
£,
«. £?.
£. *. d.
£. s. d.
&.
g. d.
15
9 6
1 12 10
32 2
15 6
16
10 3
1 13 8
32 12 3
15 10
17
11 1
1 14 6
33 4 6
16 4
18
11 11
1 15 5
33 17
16 8
19
12 9
1 16 4
34 9 7
16 11
20
13 7
1 17 4
35 2 4
17 3
21
14 6
1 18 4
35 15 11
17 7
22
15 5
1 19 4
36 9 4
18 1
23
16 5
2 5
37 3 4
18 7
24
17 5
2 1 ?
37 7 5
19 2
25
18 6
2 2 9
38 11 10
19 8
26
19 7
2 4
39 6 10
4
27
2
8
2 5 3
40 1 9
1
28
2
1 10
2 6 6
40 17
1 11
29
2
3 1
2 7 10
41 12 2
3 1
80
2
4 4
2 9 3
42 7 4
4 2
31
2
5 7
2 10 7
43 2 7
5 2
32
o
6 10
2 12
43 18 1
6 1
33
2
8 2
2 13 6
44 13 7
7
34
2
9 6
2 15
45 9 1
8 1
85
2
10 11
2 16 6
46 4 10
9 2
36
2
12 4
2 18 1
47 7
10 1
87
2
13 10
2 19 9
47 16 8
. 10 10
38
2
15 4
3 1 6
48 13
[ 11 5
39
9
17
3 3 4
49 9 10
1
L 11 9
40
2
18 8
3 5 3
1 50 7 1
1 ]
1
L 12 2
PREMIUMS (eontinu4d).
Age
Next
Birth
Day.
FOR LIFE.
ANNUAL
PREMIUMS.
SINGLE FRRMIUMS.
For
One Year only.
Without Profits.
With Profits.
Without Profits.
£. S. d.
£.
». d.
£• 8. d.
£. » d
41
3 6
3
7 3
51 5 2
1 12 6
42
3 2 6
3
9 5
52 4 2
1 13
43
3 4 8
3
11 10
53 3 11
1 13 4
44
3 6 11
3
14 4
54 4 4
1 13 10
45
3 9 4
3
17
55 5 4
1 14 4
46
3 11 10
3
19 10
56 7 1
1 15 2
47
3 14 7
4
2 11
57 9 8
1 15 11
48
3 17 7
4
6 2
58 12 10
1 16 10
49
4 9
4
9 8
59 16 9
1 17 9
50
4 4 2
4
13 6
61 1 6
1 18 10
51
4 7 10
4
17 7
62 7 7
2
52
4 11 10
5
2
63 14 2
2 1 6
53
1
4 16 1
5
6 9
65 1 1
2 3 4
54
5 8
5
11 10
66 8 7
2 6
55
5 5 6
5
17 2
67 16 5
2 10 9
56
5 10 6
6
2 9
69 3 9
2 15 6
57
5 15 9
6
8 7
70 10 10
3 2
58
6 1 4
6
14 10
71 18 1
3 4 11
59
6 7 3
7
1 5
73 5 4
3 9 6
60
6 13 6
7
8 4
74 12 6
3 14 8
9
2
Examples : — A person at the afje of 25 ^next hirth Jnv^ k„ ii,„ „• /
19*. 8rf.. will h.re insured the .um of^lOO SouTd htllh\ '""^le payment of
of one year from the date of Insurance ' ^^'''^ '^'PP'" '"''^"^ "'^ ?="«'»
Or, he will secure ^£"1 00 at his death, bv Davinn' ^1 Iflo fl-v ^ h , .
remainder of his life : or by the annual p;ymcm'S'J 2 LtsT/WT'^ ll'
he win also be entitled to participate in'thl p.oLfollJso'd^t; tc.fd^ i n'*" '"-
With very shght v.ariation, the Premium may be made out in hnlfZl.lT \ ,
or monthly payments, according to convenience half-yearly , quarterly,
In all cases the Life of s FEM.iLE will l.o ,cc,..^ „. . t y- .„,
THK ACTUAL ABB. " "° " ^"^^ "^^ !''*=*« «■»» THAN
10
IMMEDIATE ANNUITIES
Granted Ui Avwy JSSOO deposited.
I* I
Aat.
Payable Annually.
Aot.
Payable Annually.
20 •
5
8. d.
3 5
48
£.
7
8. d>
2
21
5
4 3
40
7
4 11
22
5
5
50
7
8
23
5
6 10
51
7
11 5
24
5
6 9
52
7
15 1
25'
5
7 7
53
7
19
26
5
8 7
54
8
3 3
27
5
9 7
56
8
7 8
28
5
10 7
56
8
12 5
29
5
11 8
57
8
17 5
30
5
12 8
58
9
2 9
31
5
13 9
59
9
8 4
32
5
14 11
60
9
14 3
33
5
16
61
10
7
34
5
17 2
62
10
7 3
35
5
18 4
63
10
14 5
36
6
19 8
64
11
2 1
37
6
11
65
11
10 4
38
6
2 3
66
11
19 2
39
6
3 8
67
12
8 9
40
6
5 2
68
12
19
41
6
6 10
69
13
10 2
42
6
8 7
70
14
2 2
43
6
10 5
71
14
14 10
44
6
12 5
72
15
8 4
45
6
14 7
73
16
3
46
6
16 11
74
16
18 9
47
6
19 4
75
17
15 6
Ex*iirLi;--A person at the age of 50, by Payment of ^100 will receive a.-
Immediat* Annuity of ;£? 8«. the reit of hi» Life.
DEFERRED ANNUITIES.
I. Amongst the several remedies proposed to mitigate or
diminish the burthen of poor-laws, none has hitherto been
brought forward or adopted that would either induce or afford
faeibties to the able-bodied members of society, to be respen-
sible for their own support.
n. In a state of employment and health every one may be
assumed capable of self-support ; competition has, no doubt,
reduced the rewards of labour to the standard of existence,
rendering it the m.re necessary that the smallest surplus, over
exigencies, should be carefully husbanded, in order that, by
the best facilities given to economy and the application of
means to ends, it may be rendered capable of supplying tlie
deficiencies, caused by want of employment, sickness, the
several casualties of life, and by old age. Over the frequent
fluctuations in the quantity of employment, the employed
have no control; and, as the cause is not dependent on fixed
laws, but most frequently on the contingencies which affect
the quantity of money, their duration or occurrence cannot be
submitted to calculation,-at any rate the remedy is beyond
their reach. "'
III. The two institutions open to the productive classes, are
Savings Banks and Benefit Societies, whose nature and scope,
when examined, will be found to offer but a very imperfect
remedy against the evil, being institutions wherein the limited
means of tliis class are not best made applicable to their several
ends.
Savings Banks are of unquestionable utility, but they afford
no contingent future advantage, and, besides, the sum that
can be h( rded is incommensurate with the wants of the mid-
dle productive classes.
Benefit Societies propose to offer provision in sickneis and
old age, but their construction will be found imperfect, and their
plan the least profitable application of the means of economy.
12
11^
I
1. Because .ickne.. iUelf is not a calamity of equaUy P'<>b«J>l« ^u^^^^^^
to the fluctuations in the quantity of employment and other
casualties, and misfortune, against ^hich they offer no proteo-
tion.
2. Because, out of a given means, the sum laid aside for sickness must
diminish the provision for old age.
3 Because many must contribute to the sick fund who never become
chargeable upon it. and the value of such contributions « lost to
themselves and families.
4, Beeaase »lck.>e«, being . state of „on.prod«cti,ene», ™'' »«'^
«mly be included in any protection agaiMt .uch an occurrence.
IV Various observations have been inad.= on the duration
of riekness. amongst the industrious classes, from an ear y
period of life until its dose. Those most m ««7'^«r"'L th^
ness amongst the Benefit Societies in Scotland, given by he
Highland Society ;-the sickness amongst the labourers in the
Eaft India Company's Service ; -the sickness amongst persons
Soyedin Coin! Silk, Wool, Flax, and in tl.e Pottenes
by C Factory Commissioners ;-and the sickness amongst
the English Benefit Societies, from returns made to the Society
for the Diffusion of Useful Knowledge.
These results, though varied, show how J.^-'f^jf °^^^
the amount of sickness during that period of hfe, b«t^«" ^^
ages of 20 and 65, when each individual is more immediately
thrown on his own resources ;-they are as follows :-
Highland Society's return .
East India Company's labourers
Factory Commissioners —
Cotton
Wool, Yorlcshire
Ditto, West of England
Flax, Yorkshire
Silk . . •„•,•'
Society for Diffusion of Useful?
Knowledge . . • • J
20 to 65
20 to 65
Average 1 Average yearly
amount of ; SickneM in th«
Sickness. 1 period.
21
21
21
21
21
61
61
to 61
to 61
to 61
20 to 65
Thus, It appear, that the highest expectation of sicknes.,
amongst ma es. is twelve and a half days, and the lowest sk
days, m each year, from the age of twenty to sixty-five; hs
mean duration, inclusive of accidents of all kinds, would be nine
and a quarter days, during which, from these causes, an indi-
vidual ,ay expect to be abstracted from productive employ-
ment throughout a period of forty-five years: while, it may
be observed, his religious observation of the seventh day, i^
which he " shall do no work," has diminished his producdv^
ness, by it., recurrence in the same period, six^ears and 156
V. From the foregoing facts it must be obvious that provi-
sion in sickness, or a Health Assurance by means of a separate
contribution, is unnecessary, more particularly as such separate
contribution must tend to waste tiie resources out of which the
industrious classes have to provide for the future. It also in
effect throws the burthen of the permanently sick on one class
exclusively, instead of society at large ; who are thus called on
for an act of benevolence, while they are scarce able to do
justice to the claims of their own families. Besides this, no
compensation is given out of the contribution for a provision
m sickness and old age to the families of those who never reach
the age of 65 though death should happen immediately pre-
ceding it; and. If an assumed hypothesis is correct, that sick-
ness before death is not more than five weeks, and taking bed-
ymg.pay at 10.. per week, it will not unfrequently happen
the only return a man may obtain as a long and steady contri-
butor to a Benefit Society, will not exceed 50.., a sum scarcely
equal to one yearns payment at a shilling per week, while by
his death he leaves his family entirely unprovided for.
VI It is to remedy these defects, inherent in the constitu-
tion of Benefit Societies, that the National Loan Fund Life
Assurance Society proposes to submit a plan of Deferred
Annuities on a new principle, which will not only afford a
more ample provision for old age, and protection against sick-
_ -. .. .,.,..n.— but m udmiion, the means, at all times
of putting his energies in motion, and in the event of prema.'
tnie death, a better protection to his family.
14)
m 1
Th§ plan proposed will embody several essential objects :—
1. To secure an increased provision for old age out of a given saving,
by applying it exclusively to the purchase of a Deferred
Annuity.
2. To render the purchase of a protection in sickness uujiecessary, by
enabling the purchaser of a Deferred Annuity to withdraw or
borrow two-thirds of his previous payments.
3. By the use of two-thirds of all his payments when required, to limit
misfortune and want of employment, and extend the power of
productiveness by an increasing command, in each year, of capi-
tal, so that, while providing for old age, each successive contribu-
tion renders him more secure against present misfortune.
4. To afford, at the age at which the Deferred Annuity would com-
mence, without reference to his then state of health, the option
of receiving, instead of his annuity, its value in money, according
to the value fixed on the contract, or a larger sum payable at
his death.
5. In the event of death before the age at which he would be entitled
to his Deferred Annuity, to return two-thirds of his payments
to his family, or such lixcd Life Assurance as may be settled on
the contract.
6. In all such cases where the power of productiveness fails, oilher from
disease or accident, to enable the assured on equal terms to con-
vert his Deferred Annuity into a present Annuity.
The object this plan embraces is to open facilities to the
efforts of self support, to stimulate the independence of one
class above the forced benevolence of another, while it recom-
mends itself to the latter by diminishing the burthen of poor
laws, which has been at all times irksome, disturbing the
harmony and fomenting the mutual distrusts of society.
The Tables of Deferred Annuities have been constructed,
with a view to exhibit the benefits that may be secured by
the smallest eflFort of frugality, and to suit the circumstances
and convenieiice of all classes.
The object of Tables No. I. is to show the option of bene-
fitj» the iiavment. of £^2. 12*. ner annum will secure, at the
— — ^-.j — _ _ — J
period of attaining the age of 50, 55, 60, or 65. This pay-
15
<»«nt i, at th* rate of U. per week, and may be paid weekly
■"OHthly, or quarterly, with Id. additional for eiI.MUne:
The Tables No. II. show the Annual Premium, reauird
o .ecure the option of given benefits at these .^12 si
requ,red at each age to be paid down at once top^roha* heT
own age. to 'pa/lT^^rnlrT^etf ralTdTth-'
«.«ns enabling the owner of a little «.^; to!;" i.T.b"
best account The «ciety will, moreo^^ "iTve ,5 tw!
sum by instalments, and two-thirds of the ai,oZ ™U
at any time, be withdrawn on deposit of .r " V ^ T^'
the even, of death before the stipSl^ ^ 2J "f ■"
payment, will be returned to the fami^.^' ^' "' *"
fulfri"."!nd'^!^ T"^"^ "'"'*'^> ""»' •« «>.cl. up i„
luu at the end ofeach quarter or half-year. *
16
I. BENEFITS
Secured, on attaining the Agb oy 50, by an Annual Premium
of £2. 1'2».
rTwo-thiris of aU payments returned to representatiTes in the event of death
before the stipulated age.J
■ r-
Agb.
10
Annuity.
Cash.
Policy.
£. .V.
18 10
d. "
9
£. *.
238 6
"d.
£. .T.
374 12
d.
11
17 12
226 5
355 13
12
16 14
214 13
337 8
13
15 16
7
203 10
319 18
14
\4 19
Jl
192 16
303 1
15
14 3
11
182 10
286 17
16
13 8
6
172 11
271 6
17
12 13
8
163 1
256 6
18
11 19
5
153 18
241 13
19
11 5
9
145 2
228 1
20
10 12
6
136 12
214 15
21
9 19
11
128 9
201 19
22
9 7
10
120 14
189 15
23
8 16
3
113 6
178 1
24
8 5
2
106 4
166 19
25
7 14
8
99 8
156 6
26
7 4
8
92 19
146 3
27
! 6 15
86 16
136 9
28
6 5
11
80 18
127 4
29
5 17
2
75 6
1 118 7
30
5 8
10
69 19
109 19
i
31
5
10
j 64 16
101 18
32
4 13
3
59 19
94 5
!
1
33
4 6
55 6
86 18
i
34
j 3 19
1
50 17
79 19
« 1
35
3 12
(>
46 12
7:'. <5
1
The basis on whicJ> this table is calculated is the payment of 2^ 12*. per annum, which is at
tho rnt<, of \s. per week ; but any payment may be made, and thebeneflte secured in proportion
tli^r8to
ExAMPi.E.-.\ person aged 23, by the payment of I.t. Irf. per week, or 2^ 12*. per annum,
will secure, on attaining the age of !50. tlie option of an Annuity of n. IG*. 3d., cash tlown,
n»/.6«. ; orapolicyonhislifefor 178^ I*. _
The payments may be uiade monthly or quarterly, with an additional \d. par shilling , or
half-yearly, with an additional \d. per shilling
All premiums to terminate with the period.
Two thirds of tht payment-i may at any time b« withdrawn, on depoilt of the policy.
17
n. PREMIUMS.
To secure, on attaining the f^^'^^^f jC 10
Aoa OF 5t>, the option of 1 £"*>' 1 28 J 1
. brfore the .BpS™!^?] '" "'"' "' ''""'
.«, . '■"" ™ "I'l'l' ■!■• awn. No. 11. .r. „,. ., .. .,- j^ —Z. I
M^^Sgagj^ndeposit of the doHct.
18
I. BENEFITS
Secured, on attaining the .Vg. ok 55, by .n Annual Prcaxium of £2. 12#.
TTwo-thlrd. of aU payments returned to representative* in the event of deata
^ before tiie stipulated age.]
AOB.
Aun\iity.
Cash.
Policy.
15
£. *. d.
22 3 10
£. s.
251 7
d.
£. s.
355 16
d.
16
21 8
238 4
337 4
17
18 19 4
225 12
319 7
18
19
1* 1^^*^
17^l6#i4
16 16 6
213 9
201 16
302 3
285 13
20
190 11
269 15
21
15 17 6
179 16
254 10
22
14 19 3
169 10
239 18
23
14 1 11
159 13
226
24
13 5 4
150 6
212 15
25
12 9 7
141 6
200 1
26
11 14 6
132 16
188
27
n 1
124 13
176 9
28
10 6 5
116 18
165 10
29
9 13 4
109 10
155
6
30
9 11
102 8
145
31
8 9
95 14
135 10
1 32
7 17 8
89 6
126 8
33
7 6 11
83 3
117 15
34
6 16 7
77 7
109 10
35
6 6 9
71 16
101 13
36
5 17 5
66 10
94 3
37
5 8 6
61 9
87
38
5
56 13
80 4
39
4 12
52 2
73 15
40
4 4 3
47 14
67 11
1. __ o
Example.— A person, ngcd 25, by the payment of Is. ^fl'^l^^^h "J. j.^}, ^I'JZ,
annum, ^^•ill secme, on atffaining the age of 55. the option of an Annuity of J ^s. ia.,
cash down, 14U. 6s. ; or a policy on his life for 200/. Is- . additional W. per
The payments may be made montlily or qiiarieiiy, '^•''" ""
•hilUtng; or half-yearly, with an additional \d. per ehilling.
19
II. PREMIUMS.
Togetmre, on attaininir the/^""""Ti ^ 10
AoR or 55, ihe option of{ ^^^}*'
before tli e stipulated age.; "'*
for D iiparity.
flO
11
I. BENEFITS
Secured, on attaining the Aoa of OO, by an Annual Premium
of £.1. I2«.
[Two-thiidB of all payment* retium-d to repreientatiTet in the event of death
before the tti|iiitated age.]
AoB.
Annul
ly-
Cwh.
Policy.
£.
».
d.
i:.
s.
d.
£.
».
d.
20
27
11
4
269
11
346
15
21
■<^
• 1
254
15
327
14
22
«m
Jl
M
■
240
12
309
11
23
^^1
227
3
292
5
24
2P
W
5
214
6
275
14
25
20
13
4
202
1
259
19
23
19
9
6
190
8
244
19
27
18
6
9
179
6
230
13
28
17
5
1
168
14
217
1
29
16
4
5
158
12
204
1
30
15
4
9
148
19
191
13
31
14
6
139
16
179
17
32
13
8
2
131
2
168
13
33
12
11
2
122
16
157
19
34
11
15
114
17
147
16
35
10
19
7
107
7
138
2
• 36
10
4
11
100
4
128
18
37
9
11
93
7
120
2
38
8
17
9
86
18
111
16
39
8
5
1
80
14
103
17
c
hO
7
13
1
74
17
96
6
41
7
1
8
69
5
89
2
42
6
10
10
63
19
82
5
43
6
6
58
18
75
15
44
5
10
7
54
1
69
11
46
5
1
3
49
10
,
63
14
F.XAMPLP, — A person, npeH 2o, by tlie payment of 1*. 1^/. per week, or 2/. 12s. per
nnniiin, will (.cciire, on af.iinins; the nse of <iO, the option of an annuity of 20/. Ms. 4d
?a8h down 202/. Is. • or a polirv on his lite for 259/. in.«. " ' ''
The payments may be made monthly or qua.terly, with an additional Irf. per
ihilling ; or half-yearly, with an additional \d. per shilling.
t1
'I. PREMIUMS.
Toiwure, on attaining tlie/^'"»«%. ^ 10
Ag« or OO, tlie option oH ^'"''' 97 IS
I Policy, 125
rTWofW,4 / .. vroiicy, 125 1 5 ()
[Tpro-thlrd. of aU payment, returned to repre,entatiTe. in th
before the atipulafed age J * "*° *"""* **' ''«**'»
thr^SM, e bc.nefi,s by an annual payment of 18s i J ^""•'' ^" ^"'' '^^' ^"'i^ed to
' ^^ I'&yments may be made uf^nV „ u, ' "'" ^"'^ ^ '^"r age 20.
w
22
I. BENEFITS
Secured, on attaining the agr of OS, by an Annual Premium
[Two-thirds of all
payments retur
ned to representatives
in the event of death
before the stipulated Rge
'•]
AoK noxt
Biitli Day.
Annuity.
Cash.
Poliry.
£..
Jl
d.
£. s.
d.
£.
t.
d.
20
^
Pk
6
394 11
466
21 1
iM
ir
8
373 3
440
14
22 <i
■
■l
i^
352 16
416
13
23
M
■
P
333 7
393
15
24 «
^
■
P4
314 17
371
18
25
ai
W
8
297 5
351
2
26
33
19
11
r>80 9
331
5
27
32
1
2
264 10
312
7
28
30
4
4
249 5
294
8
29
28
9
2
234 16
277
6
30
26
15
10
221
201
31
25
4
207 18
245
11
32
23
13
9
195 8
230
16
G
S3
22
5
183 11
216
15
34
20
17
7
172 5
203
9
35
19
11
7
161 10
190
16
36
18
6
11
151 7
178
15
37
17
3
5
141 13
167
6
38
16
1
1
13? 9
156
8
39
14
19
11
123 14
146
2
40
13
19
9
115 8
136
6
41
13
7
107 10
126
19
42
12
2
6
100
118
2
43
11
5
3
92 18
109
14
44
10
8
10
86 2
101
14
45
9
13
3
79 14
94
3
46
8
18
6
73 12
86
19
47
8
4
6
67 16
80
2
48
7
11
1
62 7
73
12
49
6
18
6
57 2
67
9
50
6
6
6
52 3
61
12
ExKMPLK. — A person, iiofcd '2.'5, l\v tlic payment of \s. \d. per week, or 21. 12s. per
annimi, will secure, on attaining tlic ;igc of 65, the o])tion of an annuity of 40/. 8*'. 2(1.,
casl) down X\'M. Is. or a policy on his life for 3f)3/. 15s.
The payments may be made inonllily, or qtiartcrly, with an additional \d. per
shilling ; or lialf-yearly, with an additional |rf. per shilling.
4
4
4
4i
4^
4t
46
47
48
49
50
an annni
payment
for dippji
as for ()„
The pi
per fLiJli
])er
\d.,
per
23
". PREMIUMS.
AOK OF e5, the option of< Cash, gg I() 5
Payments returned to representativea in M
,— __^ •'^^"'•^ the stipulate,! ag" J ' ^''^"* "^ '*'"'-
\
P«vn„.nt of 19,, f^ „ , , ' '^*- "'■ •-• P^l'Vv on Uh i^.r^^J, ^^' """ "PHon of
for .ii.,,,.nt,- of pe, ) \ H 7'^' ''•''.•7'"" «"■ 'CA ri/^ .;:/;,?''■ ^'- Kl'l,. annual
//
f9P
i%
LONDON ;
PRINTED BY A H. BAILY fit CO., 83, CORNHILL.
THOS
AI
JIessrs. WI
^<x^^d of Mamgment for ^^-.n.
0"'c«, 14. Nkh. Bond Stwcet.
l>ir^ctors.
JOHN C. TUFNELL, Esg. •
CoioNBt JERVc 3
J' W. BOOPER. E8«.
MR. GEORGE FULI PR
MR. GEORGE sS^-
iJ. T\'ATSON, M.D.
,-„ 'burgeon.
•gHN KILVERT, Eso.
P. II. WATTS, Esq.
Messrs. TUENFr t ^^'J t^t?*
;^^ELL^FALFNER,& PALKNER
. Offick,9^Clare Street.
■OiVecforj.
^"t^LES PInney/ Esu
^LAXTON Esc, Managing Director
JAS. F. BERNARD, M.D.
Surgeon.
G. D. PRipp^ Es^
Solicitor.
C. G. HEAVEN, Esq.
TIT ^(inkers.
Office^ U,^wp Stakkt.
CHARLES BELLINr.H A iir n
EDWARD UILL CREASY fT'
BExVJAMiN D\Via p ''
RICHARD HEAVlsrnV 1?*
THOS. ROBT. JEFpSov^'.^•r^
THOS. SINCLAIR p'SfSW^^- i
GEORGE WlGml^^^J^' ^'''
THOS. BOBf ?SSrS0^ M.D. i
, ^,^ Surgeon,
ANDREW PLUMJIER, E«q.
•,» . -Bankers.
MEgsns. WIGNEY & rn .
WEST^'^&'JS^^"^"-''^^^''
-^.y^w^ and Solicitor
HENRY PAITIiptlt'Ee, "♦
«^«OEORGE^^B_^,,^
SIR MATTHFw'm^':^-
MR. JOSIAH LEWIS * '
JAS. HEYGATE, M.D.
Surgeon.
" 'ONES.
•) Esq.
-**«^liitect, 16, Pull St.
Sk-i—
» ^ ~
'erit for Ex-ferEi
'3, High Stueet,
, Directors.
INGDON, Es<j
EmVARD H
christoph"
JOHN EY^
RICHARD
i RICHARD
I
W. DASHWOOJ
'** T Jji ..!!Jiy
Sut^edh. '; ''
JOHN EDYE, Esq.
JOHN DAW, Esq.
Manager.
HENRY SILLS, Esq.
Office, Ghuhch Stmkt.
«rTT T , Directors.
,,, PfigHcian.
W. M. BOASE, M.D.
T X -..^ Surgeon.
JAMES CORNISH, Esq.
Trrn »..-.» Bankers.
THE WESTERN DISTRICT B.tA'Kma
COMPANY.
W. J. GENN. E
iSQ.
V
Msard of Man^mmtU jUar lAvmrmu
OfFicB, 28, SouT« Castlb Stomt.
*■ Directors.
^ BENJAMIN THOMAS, Eso.
HENRY HOLMES, Eau.
EDWARD JONFS, Ea*.
HUGH JAS. SANDERSON, Ew.
WILLIAM W. SQUIRES, M.D.
ROBEPT B. ANDERSON, £««.
JAS. IRVINE, Esq., Managing Director.
Phy&ioinn,
WILLIAM W. SQUIRES, M.D^
W. WEIGH
Messrs. R.
NORTH AND Si
bmrd ^ Management for BtAvvQnn.
" ^o/Mamgi
af^
Direetor,
'SAMUEL
♦IIAM FELKI.
' HADDEN,
MOORE, E^.
'EPIELD, EiQ.
'^'^ Esq.
m
rt^V
^«4»;
4
1^
Messrs, ^<,l ft HAWSON.
Manager.
Mr. N. DEARMAN, Mount SrHjaiT,
.^j^p-^ o/; Management for Portsmovth.
; ^mcK, 123, Hifir «T,y5BTr..
^ -' ■ ■ '■■■ ■ ■ '• ' ■ V" * "l ' ■' - ■
• Directors.
WILLIAM JONEa^ Esq., Ciuihium,'
SAMUEL GREETHAM, Esq.
ERASMUS JACKSON, Esq.
HENRY HUISH, Esq., Manager.
Physician.
E. A. SCOTT, M.D.
Surgeon.
GEORGE MARTrLL, Esq.
Board of Management for
WOBOESSERSHIRB.
JDXTGCtOTM
THOMAS PRANCE, Esq.
JOHN HALL, Esq.
THOMAS HUGHES, Esq.
, >s\ Surgeon.
" PIERPOINT, Esq.
i|or« and Managers.
OGHES AND RISING,
Pairon.
VISCOUNT 8AND0N, M.P.
Honorary Directtns. ;
SIR GEORGE ANSON, Bart., M.P.
MAJOR CHETWYND. UV
ROBERT FAHRAnD, E^q., M.P.
THOMAS 8NEYD KYNNER8LEY, Esq.
HUGH HENSHALL WILLIA?iSON, Esq.
Ret. W. E. COLDWELL, M.A.
Rev. JOHN CLARE, M.A.
SIR THOS. COTTON SHEPPARD, Bart.
THOMAS HAWKE8, Esq., M.P.
C. P. VILLIERS, Esq., M.P.
ROWLAND MAINWARING, Esq., R.N.
ENOCH WOOD, Esq.
Ret. JOHN SNEYD, M.A.
Rev. HENRY HARDING, M.A.
Acting Directors.
Mr. CHAItLES DAWSON.
Mr. WILLIAM JONEa
Mr, CHARL,.S MORGAN.
Ma, CHARLES WRIGHI
Managing Director. i
Mr. ^VILLIAM PENTON,
THE Mount Stafford.
Medical Referee.
EDWARD KNIGHT, Esq., M.D.
Bankers.
The MANCHESTER and LIVERPOOL
DISTRICT BANKING CO., STAtroRo.
A^ent/or the Potteries and Newcastle.
Mr. KENMiDY, Mercury Office, Hanley.
t' Agent for Rugeleg and Licfijkld.
? Mr. WALTERS, Stationer.
Agent for Cannock, Bloxwich, and Penkridge.
Mr. HENRY SOMERVILLE, SuaoEOM.
Agent for Stone. Mr. AKROl^.
Agent for Endon and Neighbourhood.
^ CHAR LES HEATON, Suroeon.
Board of Management for Southampton.
OpricE, French Street.
Directors.
N. N. JEPPEEIES, Esq., Chairman.
REV. J. W. CARY.
EDWARD MAYOR RANDALL, Esq.
WILLIAM DUNN, Esq.
THOMAS NIMMO, Esq.
Physician.
W. S. OKE, M.D.
Surgeon.
EDWARD HARMAN MAUL, Esq.
r Agents."
Mmsrs. JAS. SHARP, and HARRISON.
4-^
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