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23 WEST MAIN STREET
WEBSTER, N.Y. 14580
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:0>— <:J*f-
an
VSB OO&OmAK
LIFE ASSURANCE COMPAMY.
J
CAPITAL, £1,000,000 STEELING.
THE RIGHT HONORABLE
THE EARL OF ELGIN AND KINCARDINE.
(HEAD OFFICE.)
BOARD OF DIBECTOBS.
GEORGE PATTON, Esq., Advocate, Chairman.
W. J. Duncan, Esq., Manager of
the National Bank of Scotland.
Alex. James Rubsbll, Esq., 0. S.
William Stuart Walker, Esq.,
of Bowland.
J. Duncan, Esq. Merchant, Leith.
Charles Pearson, Esq., C. A.
James Robertson, Esq., W. S.
Georob Ross, Jun., Esq., Advocate
Andrew Wood, Esq., M. p.
John Robert Tod, Esq., W. S.
H. Maxwell Inglis, Esq., W. S.
Henry Davidson, Esq,. Merchant.
THE ROYAL BANK OF SCOTLAND.
WILL. THOS. THOMSON.
CHARLES PEARSON.
D. CLUNIE GREGOR.
HEAD OFFICE, MONTREAL, 49 Great St. James Street.
Hon. PETER M'GILL, President of the Bank of Montreal, Chairman.
The Hon. Justice M'Cord.
The Hon. A. N. MoRiN.
B. H. Lbmoine, Esq., Cashier of
" La Banque du Peuple.
John Ogilvy Moffatt, Esq.,
Merchant. _
Henry Starnbs, Esq., Mer
chant.
A. DAVIDSON PARKER.
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TBS COIiONXAXi
LIFE kl
CAPITAL, £1,000,000 STEELING.
THE EIGHT HONORABLE
THEEARL OF ELGIN AND KINCARDINE.
(HEAD OFFICE.)
BOABD OF DIBEGTOBS.
GEORGE PATTON, Esq., Advocate, Chairman.
Charles Peaeson, Esq., C. A.
James Robertson, Esq., w. b.
George Ross, Jun., Esq., Advocate
Andrew Wood, Esq., M. D.
John Robert Tod, Esq., w. S
W. J. Duncan, Esq., Manager of
the National Bank of Scotland.
Alex. James Ritssell, Esq., C. S.
William Stuart Walker, Esq.,
of Rowland.
IOlASwELLlNSiisT&^^ J. DUNCAN. Esq. Merchant, Leith.
Henry Davidson, Esq,. Merchant.
THE ROYAL BANK OF SCOTLAND.
^ctuarjt.
WILL. THOS. THOMSON.
^utrtt0t.
CHARLES PEARSON.
^ecrttarji,
D. CLUNIE GREGOR.
HEAD OFFICE, MONTREAL, 49 Great St. James Street.
Hon. PETER M'GILL, President of the Bank of Montreal, Chairman.
The Hon. Justice M'CoRD. "" ~
The Hon. A. N. Morin. ,
B. H. Lemoine, Esq., Cashier of
*' La Bauque du Peuple.'
John Ogilvy Moeeatt, Esq.,
Merchant.
Henry Staenbs, Esq., Mer-
chant.
jMsiiao-er.
A. davidson'pabker.
' I
THE COLONIAL
iiFE ASsyMiiE mmmm^
TABLE OF RATES.
I'or an Assurance of £100 with and without Profits^
covering risk of residence in Europe^ British North
America^ Northern part of United States, Cape
Colony, Australia.
CLASS A.
Annual.
Annual
Annual
Annual
Age.
Premium
Premium
Age.
Premium
Premium
without
with
without
with
15
Profits.
Profits.
40
Profits.
Profits.
£\ 11 2
£1 14
£3
£3 6 6
20
1 15 1
1 18 4
41
3 2
3 7 8
21
1 16
1 19 4
42
3 4
3 9 10
22
1 16 10
2 3
43
3 6 1
3 12 1
23
1 17 »
2 12
44
3 8 5
3 14 7
24
1 18 9
22a
45
3 10 9
3 17 3
25
1 19 8
2 3 3
46
3 13 3
3 19 11
26
2 9
2 4 5
47
3 16
4 3
27
2 1 10
2 5 7
48
3 18 10
4 6
28
2 2 11
2 6 10
49
4 2
4 9 5
29
2 4
2 8
50
4 6 3
4 13
30
2 5 2
2 9 4
51
4 8 10
4 16 11
81
2 6 5
2 10 7
52
4 12 8
5 1 1
32
2 7 8
2 12
53
4 16 10
5 5 7
33
2 9
2 13 6
54
5 15
5 10 7
34
2 10 5
2 15
55
5 6 4
5 16
36
2 11 10
2 16 7
56
5 11 6
6 1 8
36
2 13 5
2 18 3
57
5 16 10
6 7 5
37
2 14 11
2 19 11
58
6 2 6
6 13 7
38
2 16 7
3 18
59
6 8 6
7 2
39
2 18 4
3 3 7
60
6 14 11
7 7 1
These Premiums cpn also be paid by half-yearly or quarterly
instalments, or undr? Half-credit system.
CLASS
A.
Persons Assured in this Class have permission to reside-
In BRITISH NORTH AMERICA.
In any part of the UNITED STATES of NORTH AMERICA,
to the northward of the southern boundaries of the STATES of
VIRGINIA and KENTUCKY, eastward of the lOO^ of west
longitude ; and from 80th November to 1st June persons may
travel or reside in any part of tlie United States and Territories
as organized in 184'7. Residence to the southward and west-
ward of the above limits charged at an increased rate, according
to circumstances.
In any part of EUROPE.
In the MAURITIUS.
In AFRICA (Cape Colony), to the southward of 30 « of
south latitude.
In AUSTRALIA (including NEW ZEALAND), to the south-
ward of SQo of south latitude. The northward of that limit
charged at an increased rate, according to circumstances.
VOYAGES.
Persons Assured in this Class have permission to pass—
From any part of NORTH AMERICA to another, within
the limits before specified, without extra charge.
Betwixt any EUROPEAN Port and any NORTH AMERICAN
Port within the above limits, without extra charge.
From any part of EUROPE to another, without extra charge.
From any EUROPEAN Port to the CAPE OF GOOD HOPE
or MAURITIUS, without extra charge.
From any EUROPEAN or NORTH AMERICAN Port within
the above limits to AUSTRALIA or NEW ZEALAND, at £1
per cent, each voyage.
PERSONS Assured in this Class may proceed to those paits of the
world embraced by any other Class, paying the correyonding
Premium, in terms of General Regulations and Conditions.
CLASS
A.
BATES, by Annual Payments, for Assurance of £100, to be paid
at the Death of a Party, if it shall happen within a certain
specified term of years.
(
DXE
FIVE
SEVE3r
TEN
AOE.
GH.
TEAE
•
YEAES.
YEAES.
YEAES.
£
s.
d.
£
s.
d.
£
a.
d.
£
8.
d.
15
16
U
17
9
18
1
18
11
15
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17
4
18
3
18
10
19
5
16
17
17
10
18
9
19
2
19
10
17
18
18
3
19
2
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8
4
18
19 ,
18
9
19
8
2
11
19
20
19
3
1
2
8
1
1
5
20
21
19
8
8
1
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2
21
22
3
1
3
1
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5
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35
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35
36
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5
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2
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3
36
37
9
7
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2
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11
13
37
38
10
5
12
12
9
13
11
38
39
11
3
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9
13
6
14
9
39
40
12
13
7
14
6
15
8
40
41
12
11
14
7
15
4
16
7
41
42
13
9
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6
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14
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1
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48
49
2
3
2
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2
3
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2
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2
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3
2
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2
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2
10
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51
2
2
3
2
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3
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2
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1
51
52
2
3
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2
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11
2
11
10
2
15
10
52
53
2
4
5
2
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3
2
15
5
3
2
53
54
2
5
7
2
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6
3
3
6
10
54
55
2
11
2
3
6
3
5
2
3
12
5
55
56
2
16
8
3
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6
3
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5
3
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2
56
57
3
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3
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7
3
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4
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1
57
58
3
5
7
3
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1
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1
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4
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58
59
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2
4
8
2
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17
7
59
60
3
16
3
4
8
6
4
15
5
4
60
The first Division of the Company's Profits took
place as at 25th May 1854, when a Bonus at the rate
of £2 per cent, per annum on all Policies effected in
the Participation Scheme of the Company was declared,
as shewn in the following Table, the examples being
Policies of £1000:—
Policy opened before
Origrinal Sums
Assured.
2yth May 1817,.
1818,.
" 1849,.
" 1850,.
1851,,
1852,,
1853,
1854,
£1000
1000
1000
1000
1000
1000
1000
1000
Bonus
Additions.
£160
140
120
100
80
60
40
20
Total Sums
Assured.
£1160
1140
irio
1100
1080
1060
1040
1020
Thus Sums assured before 25tli May 184Y, have
been increased by 1 6 per cent.
The additions to Policies of larger or smalkr amount
are in the same proportion.
From the wide basis on which the Company has
been established, — from the extensive field of business
which it is cultivating, — and from the success which has
attended its operations, the Directors look forward to
large future Profits available to their Policy-holders ;
and they do not think they over-estimate the advanta-
ges of the Company, in stating that no Office has ex-
tended its business to the Colonies of Great Britain,
affording so many facilities, and at the same time hold-
ing out the prospect of so much advantage to Assurers.
These will be found moderate, and, looking to the
facilities and advantages afforded by the Company,
they may be considered more advantageous, and virtu-
ally less expensive, than those of any other Life Assu-
rance Institution doing business in the British Colonies.
These have been framed with much care, with the
view of making the Company's Policies available secu-
rities of the most perfect kind, with as much freedom
to the Policy-holder as may safely be granted. The
Directors invite particular attention to the following : —
Claims paid in British North America at the end of
three months, or immediately, if preferred, on
discount.
Policies with Proitits purcliased at any time after
prtj xient of one year's Premium, and Policies
with\ ut Profits for the whole term of life, after
three years' Premiums have been paid.
Age 4ND Interest admitted on the Company's Poli-
cies in all cases where proof is given satisfac-
tory to the Directors.
Thirty days of grace allowed for payment of Pre-
miums, and in the event of death taking place
during the currency of these days, before pay-
ment of the premium, the risk binding on the
Company, if payment be made before the days
of grace expire.
Assurances forfeited may be revived within three
months of the date at which the Premium be-
came due, on proof of health, satisfactory to the
Directors, and payment of a fine of ten per cent,
on the Premium in arrear.
No Expenses in connexion wdth obtaining Policies.
Medical Fees, including Fee to Private Medical
Attendant paid by the Company.
LIFE ASSURANCE.
It is a truth that will scarcely bear reflection, that in
this country, and in the middle of the nineteenth
century, the proportion of heads of families who have
adopted Life x\ssurance as a provision for their depen-
dents is so infinitely small as to be scarcely deserving
credence. Can it be that its nature is so little under-
stood ? Or shall we say that self-love reigns predominant
in the hearts of those to whom this most invaluable
blessing is directed ? We will endeavour to lay before
our readers a few concise observations, which, if heeded,
will be conducive of welfare and happiness to these who
are near to us by every tie of nature.
The investigations of learned men into the law of
chances, and the accurate information conveyed to us by
recent statistics of mortality, have reduced into a science
that which was once looked upon as speculative. It is
now a well ascertained fact, proved by every day's expe-
rience, that out of a given number of individuals now
LIFE ASSURANCE.
living, a certain jyroportion will die annually, — some few
live to " a good old age," but there are others who must
" shuffle off this mortal coil" long before the allotted age
of man.
Few there are, in the middle walks of life, who can
set aside a sum sufficient to ensure a comfortable main-
tenance for those who are dependent upon them for
support, should they die prematurely ; but how many
are able to spare a small portion of their life-income
periodically, with a little prudence and economy, to
invest in a Life Assurance ? Surely this is a subject
which ought to occupy the attention of both young and
old, it is of such vast importance to all classes of society.
However great may be our repugnance to entertain a
prospect of death — remote or premature as the case
may be — still it is certain to overtake us at last. Reader,
do not object, and say that you cannot afford to set aside
a portion of your income. Look on your family, and
ask yourself this question : If with the means now at
my command I cannot spare anything, what w^ould bo
their condition in the event of my death ? " The good
man leaveth an inheritance to his children's children,"
says Solomon ; but what shall be said of the man who,
loving his children, and being beloved by them, can see
them growing up around him in the enjoyment of every
comfort in his power to provide, and yet they may De
suddenly, perhaps accidentally, deprived of all by the
snapping of a brittle thread ! What a heart-rending
prospect to reflect on ; what horrible pictures will pre-
sent themselves to the parent who acts thus, iu his last
moments, — all that he holds doar in this world is thrown
on the doubtful kindness of relatives, the forced charity of
'?
LIFE ASSURANCE.
L^-
friends, or perhaps be driven to the lowest depths of
infamy and degradation, to enable them to obtain a
miserable subsistence.
The nature of Life Assurance is such that it may be
rendered subservient to almost every contingency affect-
in o- human life, so numerous are its benefits. But the
principal feature of Life Assurance is to create a be-
queatkahle property by trifling periodical investments.
It may also be resorted to by the young, as a refuge in
<:leclining years. Or, as an endowment for children. By
the possessors of entailed property, to portion the younger
branches of families. On marriage, to secure the condi-
tions of settlement. By persons who become borrowers
of money, to secure a sufficient sum to repay a loan in
the event of death. To holders of leasehold property,
dependent on a life or lives. To expectants of property
in reversion, to secure a portion against contingency.
By all who have a pecuniary interest in the life of another;
and, in fact, in almost every commercial transaction
involving the risk of human life.
Life Assurance Companies generally, and very wisely,
compute the average of mortality somewhat higher than
it really is, in order that they may be prepared for any
extraordinary visitation of Providence. In this respect,
most reflective minds will concur, for it creates a fund
to meet any emergency ; should it not be thus required
the assured reap the benefit in the shape of bonuses
added to their policies, applied in the reduction of their
future premiums, or returned to them in cash. This is
important to all who assure early in life, for their pre-
miums may be gradually diminished so as to dwindle
down to a mere nothing; or their policies may be
LIFE ASSURANCE.
increased in value as to be worth double the amount
originally assured. Of course, if the bonus is received
in cash the advantage will not be so great — the ca-
pital being withdrawn the interest will cease, but let it
remain it will necessarily accumulate.
Some i^ersons may be disposed to prefer a Savings
bank to accumulate their stock of surplus capital or
earnings, and make regular deposits therein, with the
view of meeting the future wants of their fLimilies. But
who can guarantee the carrying out of his intentions
for a few months, much less for years ? It might, and
frequently does happen, that persons die early in life
possessed of sums of money thus deposited, and after
their funeral expenses are paid, and affairs wound up,
there is not a shilling left for those who stand in the
greatest need of it. Thus, the loss of an affectionate
father and husband is surrounding a sorrowing widow
with children crying for food which she has not,
or which she must deal out with a stinted hand I
What a contrast, when compared with such a provision
as Life Assurance offers ! After the first premium is
paid, should death then seize upon his victim, there is a
certain fund to provide for the fatherless and widow,
which shall place them beyond the reach of want, and
enable them to sustain their position in society. It may
here be said by some persons, should my circumstances
become altered, I should be enabled to withdraw my
savings in one case but not in the other. This is an
erroneous supposition. Life Assurance Companies will
at all times make advances on policies proportionate to
their value ; and how frequently has this saved trades-
T
ft
LIFE ASSURAN'CE.
i
V
men from utter ruin, when tlieir savings liave been
invested in a Life Assurance.
Life Assurance is founded on the same principles as
Fire Insurance, with this marked difference — in the
one case you make regular contributions towards a sum
that is certain to be realised, sooner or later ; but in
the other, you subscribe towards a fund to meet the
misfortunes of others, it may be your own, but how
few there are (comparatively speaking) who are placed
in a position to enable them to participate in its
benefits.
Life Assurance is no visionary scheme, aiming at
impracticable ends ;— it offers security to all, and relief
to the unfortunate. Human life is proverbially un-
certain ; but when we look at the experience of society
at large over lengthened periods of time, we find the
cheering fact, that ungovernable chance does not exist,
and that what is commonly looked upon as uncertainty
is governed by fixed laws of order. Life is uncertain
in an individual case, but when our observations are
extended from individuals to communities, we find that
deaths, births, and other apparently anomalous events
occur with a marked regularity over equal portions of
time, so that we arrive at the average length of life
as well as the comparative length of life betw^een the
sexes. Thus, the science of Life Assurance consists of
calculating what Use annual premiums must be in each
case, so as to yield the sum assured at death, in addition
to the expenses of management, so that premature
death on the one hand, is counterbalanced by the
gains from prolonged life on the other ; the whole
LIFE ASSURANCE.
fabric rests on a secure basis, as firm as if it were
founded on a rock.
Reader, should disease and death arrest your steps,
what will be your feelings when you behold your weep-
ing, helpless dependents, gathered round your dying
pillow, and the thought flash across your mind that'
you might have left them in comfort, perhaps in afflu-
ence, that the means for doing so were at hand,
explained to you, urged upon you, but you refused?
Oh, spare yourself the possibility of so agonising a
thought distracting your last moments ! Many persons
experience a little difliculty at first in laying aside
regularly a small portion of their income to be paid as
a premium on a Life Assurance, — but this is easily sur-
mounted after the first instalment is paid, when all
becomes secure — it then becomes a regular item in the
annual expenditure, and is no longer liable to be em-
ployed in the gratification of a passing whim of the
day. Calm reflection will convince any man, that
there is no individual in society, above a condition of
abject poverty, who is not morally bound to avail him-
self of its profi'ered advantages. It is available to all
classes of society. To the benevolent mind, Life Assu-
rance presents a pleasing aspect; it unites prudence
with benevolence ; its mission is to relieve the destitute,
comfort the widow, and protect the orphan. There is
no one too wealthy not to stand in need of it ; there is
scarcely a labourer too poor to share its benefits.
Look at the vast amount of misery and destitution
throughout our land, which might, in most instances
have been averted. The poor governess, without a
home, — the needy sempstress, compelled to toil night and
^
LIFE ASSURANCE.
a
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{^
day, to obtain lier too scanty pittance,— the poor lady
or gentleman, scarcely able to obtain a subsistence.
The inmates, too, of our Orphan asylums, Magdalens,
and other charitable institutions, workhouses, gaols,
and penitentiaries, at one time destined to fill important
places in society, could furnish heart-rending iHustrations
of their miseries, and of the improvidence of parents
towards their offspring. Look, again, at the appeals to
the charitable, daily renewed in the newspapers— widows,
orphan daughters, and fatherless children of professional
men left to the tender mercy of the world thus to solicit
charity. Surely a remedy may be found in Life Assu-
rance, that will soothe the widow's anguish, and gladden
the orphans' heart in their bereavement. Cannot a single
luxury or a temporary gratification be dispensed with,
to enable you to make so beneficial an investment?
Consider what will be the inheritance of those little ones
in case your death should leave them unprovided for—
sudden destitution, the breaking up of home, and des-
cent into poverty I Can you coldly contemplate the
possibility of the imposition of its iron hand in the
bitter hour of bereavement ? Can you reflect upon the
bare chance of your wife having to earn a scanty portion
of daily bread for your orphan children without an effort
to avert so fearful a calamity ? You can ward off these
miseries, and secure them from dependence and want.
It is to be hoped that the immense importance of
Life Assurance will be more seriously and earnestly con-
sidered, -practised by all those who can appreciate its
merits and claims-and that, too, mthout delay. Let
none neglect it while they can so easily discharge it.
Let the claim,s of home be considered before any other.
LIFE ASSURANCE.
Do not depend on the patronage of others. Every man
should remember that self help is the root of all virtue,
freedom and prosperity.
Reader, pause and reflect ! Have you not a poor
relation in your own family circle, whose misfortune
may clearly be traced to a want of forethought on the
part of a parent or husband ? Have you never felt it to
be a duty you owe to those whom you have been the
means of bringing into existence and surrounded with
every comfort, to provide for them in the event of vour
decease ? Let us hope that the time is not far distant
when Life Assurance shall be generally adopted, and the
memory of the man who neglects so important a duty
be held up to scornful reprobation, for leaving his off-
spring a legacy to society, whilst its adoption w^ould
certainly be the means of conferring inestimable benefits
on his helpless dependents, as its neglect will surely cause
a large amount of unavailing anguish on his dying pillow,
and be tlie means of consigning those who are nearest
and dearest to him to penury and w^ant !
1 i
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^
Boards of Management.
TORONTO.
Wm, Peoudfoot, Esq., Prost,
Bank of UF)per Canada, <7/«a^r•»m«.
Tho Hon. W. B. Robinson.
Alex. Murhay, Esq., Merchant.
T. D. Hareis, Esq., Merchant.
Jas. F. Smith, Esq., l*resident Br.
Bank of Montreal.
.ToiiN FisKEN, Esq., Merchant.
John Ckawford, Esq., Barrister.
Agent and Secret m^jf to the Board:
JOHN MAULSON.
HAMILTON.
Sir A. N. MacNab, Cha/nnan.
Colin C. Fereie, Esq., President,
Gore Bank.
Jonx EisiTER, Esq., Merchant.
Henry McKinstry, Esq., Cashier
Br. Commercial Bank.
Jas. D. Mackay, Esq., Merchant.
Alexander Logie, Esq.
Rev. Robert Burnet.
Agent and Secretary to the Boo.nL
ADAM BURNS.
QUEBEC.
The Hon. "William Walker, Chairman,
James Dean, Esq., Merchant.
Chas. LANaEViN, Esq., Merchant.
John Thomson, Esq., Merchant.
Tlie Rev. John Cook, D. D.
G. H. SiMAiiD, Esq., Merchant.
Agent and Secretary to the Board.
A. J. MAXHAM.
KINGSTON.
Hon. J. Macaulay, Chairman.
Hon. J. A. Macdonald, M.P.P.
James Morton, Esq.
Tnos. A. CoRBETT, Esq., Slieriff,
Midland District.
John Mowat, Esq.
John R. Forsyth, Esq., Barrister,
Alex. Campbell, Esq., Barrister.
Agent and Secretary to the Board,
W. GEO. DRAPER.
LONDON.
Hon. CtEo. Goodhue, Chairman.
L. Lawrason, Esq., Merchant.
H. C. R. Becher, Esq., Barris-
ter.
Lionel Ridout, Esq., Merchant.
James Shanley, Jvm., Esq., Bar-
rister.
Wm. Elliot, Esq,, Barristei*.
Agent and Secretary to the Board,
CHARLES MONSARRAT.
Agents in the Principal Towns of Canada.
A. DAVIDSON PARKER,
AGENT AT BBOCEVILLE,
J. D. BTJELL.
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