Part 11

+-------------------------+----------------------------------------+ | HOME | INDIAN | +-----+---------+---------+------+----------------+----------------+ | | | | | | | | | | | | Civil | Military | | Age | Seven | Life | +---------+------|---------+------+ | | Years | | | | | | | | | | | Age | 7 years | Life | 7 years | Life | +-----+---------+---------+------+---------+------+---------+------+ | | £ s. d. | £ s. d. | | Rs. | Rs. | Rs. | Rs. | | 25 | 1 2 9 | 1 17 9 | 25 | 28 | 38 | 37 | 45 | | 30 | 1 3 7 | 2 2 7 | 30 | 31 | 42 | 39 | 49 | | 35 | 1 5 2 | 2 9 1 | 35 | 34 | 47 | 43 | 53 | | 40 | 1 8 2 | 2 17 8 | 40 | 38 | 53 | 47 | 59 | +-----+---------+---------+------+---------+------+---------+------+

Prospectuses, the necessary Forms, and every requisite information for effecting Assurances, may be obtained on application to the Secretary, at the Head Office in London, or to the Agents and Secretaries in Scotland and India, as above.

Wm. EMMENS, _Secretary_.

THE LIVERPOOL AND LONDON

FIRE AND LIFE INSURANCE COMPANY.

(Established in 1836. Empowered by Act of Parliament.)

Offices--8, Water-street, Liverpool; 3, Charlotte-row, Mansion House, and 28, Regent-street, Waterloo-place, London; 29, Northumberland-street, Edinburgh; and Commercial-buildings, Dublin.

TRUSTEES.

SIR THOS. BERNARD BIRCH, Bart, M.P. ADAM HODGSON, Esq. SL. HY. THOMPSON.

DIRECTORS IN LIVERPOOL.

_Chairman_--William Nicol, Esq.

_Deputy Chairmen_--Joseph C. Ewart, Esq., Joseph Hornby, Esq.

Thomas Booth, Esq. William Brown, Esq., M.P. Thomas Brocklebank, Esq. William Earle, Esq. T. Steuart Gladstone, Esq. George Grant, Esq. Francis Haywood, Esq. Robert Higgin, Esq. George Holt, Esq. John Hore, Esq. George H. Lawrence, Esq. Harold Littledale, Esq. Andrew Low, Esq. John Marriott, Esq. Edward Moon, Esq. Lewin Mozley, Esq. John Pennington, Esq. H. Stolterfoht, Esq.

_Secretary_--Swinton Boult, Esq.

_Auditors_--T. B. Blackburn, Esq., and Daniel James, Esq.

_Bankers_--Bank of Liverpool. Union Bank of London.

_Solicitors_--Messrs. Clay, Swift, and Wagstaff, Union Court, Liverpool.

_Medical Referees_--James Vose, M.D. Robert Bickersteth, Esq.

_Surveyor_--John Stewart, Esq.

DIRECTORS IN LONDON.

_Chairman_--William Ewart, Esq., M.P.

_Deputy Chairman_--George Frederick Young, Esq.

Sir W. P. de Bathe, Bart. Mathew Forster, Esq., M.P. Frederick Harrison, Esq. James Hartley, Esq. Ross D. Mangles, Esq., M.P. James D. Nicol, Esq. Hon. F. Ponsonby. John Ranking, Esq. J. M. Rosseter, Esq. Edward T. Whitaker, Esq. Swinton Boult, Esq.

_Secretary to the Company_.

_Resident Secretary_--Benjamin Henderson, Esq.

_Manager of West-end Branch_--Frederick Chinnock, Esq.

_Bankers_--Union Bank of London.

_Solicitors_--Messrs. Palmer, France, and Palmer, Bedford-row, London.

_Medical Referees_--Marshall Hall, M.D., F.R.S. A. Anderson, Esq., F.R.C.S.

_Surveyors_--Messrs. Thompson and Morgan, 2, Conduit-street West, Hyde Park.

THE AMOUNT OF CAPITAL SUBSCRIBED EXCEEDS £1,500,000. At the commencement of 1849, the Reserved and Guaranteed Funds were, together, £164,940. The liability of the Proprietors is unlimited.

THE FIRE BUSINESS HAS STEADILY INCREASED YEAR BY YEAR. The Duty paid to Government in 1836 was £3,414, in 1846 it reached £12,362. The Premiums are moderate; the settlement of claims liberal and prompt. Insurances are effected at home and abroad.

IN THE LIFE DEPARTMENT, simplicity, certainty, and large GUARANTEED BONUSES, involving no liability of Partnership, with very reasonable Premiums, are characteristics of the Company. The amount of Premiums on new business in 1846 was £3,160; in 1847, £3,687; in 1848, £4,410.

CAPITAL SUMS, _payable on a fixed future day_, giving to Property held under Lease for years certain the same value as if it were Freehold, are insured by the Company. Full Prospectuses may be had on application at the Offices or Agencies.

BENJAMIN HENDERSON, _Resident Secretary in London_. SWINTON BOULT, _Secretary to the Company_.

UNDER THE ESPECIAL PATRONAGE OF

HER MOST GRACIOUS MAJESTY THE QUEEN.

SOCIETY

FOR GENERAL ASSURANCE ON LIVES.

THE ROYAL MILITARY, EAST INDIA AND GENERAL

LIFE ASSURANCE SOCIETY,

13, WATERLOO PLACE, LONDON.

DIRECTORS.

Colonel Sir Frederic Smith, K.H., F.R.S., R.E., _Chairman_.

James Nugent Daniell, Esq., _Deputy Chairman_.

Admiral the Right Hon. Sir G. Cockburn, G.C.B. Major-gen. Sir J. Cockburn, Bt., G.C.H. General Sir Thomas Bradford, G.C.B., G.C.H. Major-gen. Sir P. Ross, G.C.M.G., K.C.H. Lieut.-gen. Sir John Gardiner, K.C.B. Major-gen. Sir Hew D. Ross, K.C.B., R.A. Captain Sir George Back, R.N., F.R.S. Major-general Taylor, C.B., E.I.C.S. Major-general Edward Wynyard, C.B. Major-general Arnold, K.H., K.C. Archibald Hair, Esq., M.D., late R.H.G. Captain William Lancey, R.E. William Chard, Esq., Navy Agent. Wilbraham Taylor, Esq. Major-general Sir John Rolt, K.C.B. Major F. S. Sotheby, C.B., E.I.C.S. Lieut.-colonel Alderson, R.E. Major-general Sir George Pollock, G.C.B.

BANKERS--Messrs. Coutts and Co., 59, Strand.

PHYSICIAN--Sir Charles Fergusson Forbes, M.D., K.C.H., F.L.S.

STANDING COUNSEL--John Measure, Esq., 4, Serle Street, Lincoln's-inn-fields.

SOLICITOR--Rowland Neate, Esq., 57, Lincoln's-inn-fields.

ACTUARY--John Finlaison, Esq., the Government Calculator, and President of the Institute of Actuaries.

Assurances are granted upon the lives of persons in every profession and station in life, and for every part of the world, with the exception, for the present, of that part of the western coast of Africa within the tropics.

The Rates of Premiums are constructed upon sound principles with reference to every colony, and, by payment of a moderate addition to the Home Premium, in case of increase of risk, persons assured in this office may change from one climate to another, without forfeiting their Policies.

Four-fifths of the Profits are divided amongst the Assured, and the Bonus may, at their option, either be applied in augmentation of the Sum Assured, or in reduction of the Annual Premium, or its value may be received in Cash.

JOSEPH CARTWRIGHT BRETTELL, _Secretary_.

UNIVERSAL LIFE ASSURANCE SOCIETY,

ESTABLISHED IN THE YEAR 1834.

_Empowered by Special Act of Parliament._

1, KING WILLIAM STREET, LONDON.

FOR THE ASSURANCE OF LIVES

AT HOME AND ABROAD ,

INCLUDING GENTLEMEN ENGAGED IN

THE MILITARY, NAVAL AND CIVIL SERVICES IN INDIA.

DIRECTORS.

Sir Henry Willock, K.L.S., _Chairman_. John Stewart, Esq., _Deputy-Chairman_. Major-gen. Sir R. Armstrong, C.B. K.C.T. & S. John Bagshaw, Esq., M.P. Augustus Bosanquet, Esq. Charles Dashwood Bruce, Esq. Ellis Watkin Cunliffe, Esq. William Kilburn, Esq. Francis Macnaghten, Esq. Charles Otway Mayne, Esq. William Rothery, Esq. Robert Saunders, Esq. James Duncan Thomson, Esq. Captain Samuel Thornton, R.N.

AUDITORS.

Robert Gardner, Esq. Robert Hichens, Esq. William Oxborough, Esq.

BANKERS.

The Bank of England and Messrs. Curries and Co.

SOLICITOR.

William Henry Cotterill, Esq.

PHYSICIAN.

George Burrows, Esq., M.D., F.R.S. 45, _Queen Anne Street_, _Cavendish Square_.

ACTUARY.

David Jones, Esq.

SECRETARY.

Michael Elijah Impey, Esq.

ADVANTAGES OFFERED BY THIS SOCIETY.

Particular attention is requested to the rates, which, being founded on the most accurate observations of the duration of human life, are as moderate as is consistent with perfect security.

The Profits are declared in each year, on the second Wednesday in May, on which date all those whose Policies have been in existence five complete years, are entitled to participation therein.

This practice of an annual division, as observed by Mr. Babbage, "distributes the Profits with more regularity and justice than any other," and it is especially advantageous to persons of advanced years, who cannot hope to participate in many septennial or decennial divisions.

One-fifth of the ascertained Profits of the five preceding years is divided between the Policy-holders and Shareholders, three-fourths to the former and one-fourth to the latter. The remaining four-fifths are set apart to enter into the average of the succeeding years, and thus to provide against unforeseen contingencies.

_The Annual Reduction has averaged considerably above 40 per cent., and in no one year has it fallen below that amount._

The following Table will show the operation of the reduction of 40 per cent. made by the Society to all holders of Policies entitled to participate in Profits, by reason of their having paid six complete original annual Premiums:--

+----------+------------+-----------+-----------------+ |Age when | | | | |Policy was|Sum assured.|Original |Reduced annual | |issued. | |Premium. |Premium for | | | | |the current year.| +----------+------------+-----------+-----------------+ | | | | | | | £ | £ s. d.| £ s. d. | | 20 | 1000 | 19 6 8 | 11 12 0 | | 30 | 1000 | 24 8 4 | 14 13 0 | | 40 | 1000 | 31 10 0 | 18 18 0 | | 50 | 1000 | 42 15 0 | 25 13 0 | | 60 | 1000 | 66 11 8 | 39 19 0 | | | | | | +----------+------------+-----------+-----------------+

Thus it will be seen that the benefits arising from the Division of Profits will be experienced by each whole Life Assurer on the payment of his seventh annual Premium.

This system of reduction in the Premiums affords immediate benefit to the Assured, or enables them to secure a considerable bonus by effecting a new Policy.

INDIAN BRANCH.

Policies are granted in London, and by resident Committees at Calcutta, Madras and Bombay, on India Risks, at very advantageous rates, calculated from extensive data and tables, exclusively in the possession of this Society, to show the true risk of life during residence in India, and after retirement from foreign service.

To parties who are proceeding to India, this Society offers advantages such as are not attainable in any other Assurance Company; for, while a fair and equitable rate is charged for the increased risk of residence in a tropical climate, the assured are, upon permanent return to this country, reduced to the English rates, corresponding with the age at which the assurance was originally effected, without reference to their state of health, and without being subject to any medical examination whatever.

AGENTS IN INDIA.

Messrs. Braddon and Co., Calcutta. Messrs. Bainbridge and Co., Madras. Messrs. Leckie and Co., Bombay.

RELIANCE MUTUAL LIFE ASSURANCE SOCIETY,

No. 71, KING WILLIAM STREET, MANSION HOUSE,

LONDON.

The Entire Profits divided among the Assured.

DIRECTORS.

Vernon Abbott, Esq. Lieut. Colonel Abdy. George Ashlin, Esq. Hall Hall, Esq., R.N. John James, Esq. John Ledger, Esq. R. W. S. Lutwidge, Esq. Henry T. Prinsep, Esq. William Phelps, Esq. Charles H. Smith, Esq. James Traill, Esq. William Foster White, Esq. George Whitmore, Esq. Edward Winslow, Esq. John Young, Esq.

_Advantages presented by this Society._

LIFE ASSURANCES may be effected upon Equal, Half-Premium, Increasing or Decreasing Scales; also by Single Payments, or Payments for limited periods. Tables have been specially constructed for the Army, Navy, East India Company, and Merchant Services; also for persons voyaging to, or residing in, any part of the world.

ENDOWMENTS for Widows and Children, Pensions for retired Officers and Civilians Immediate or Deferred Annuities, and Survivorships.

The Bonus declared on 30th of March, 1847, gave a Reduction of Premiums, until next division of Profits, averaging 36 per cent. on Policies in force Five Years, or an addition to the Sums Assured, ranging from one-third to one-half of the total amount of Premiums paid.

E. OSBORNE SMITH, ACTUARY AND SECRETARY.

AGENTS--Messrs. J. OUCHTERLONY & Co., Madras.

THRESHER AND GLENNY,

EAST INDIA AND COLONIAL OUTFITTERS,

152, STRAND, LONDON.

Messrs. THRESHER AND GLENNY respectfully invite attention to their General Outfitting Establishment, which comprises the following advantages:--

EQUIPMENTS for LADIES, GENTLEMEN and FAMILIES, suitable to all circumstances and appointments, are supplied at the Wholesale Prices, and are prepared, packed, and shipped, without any trouble to the parties.

CLERGYMEN, WRITERS, CADETS, ASSISTANT SURGEONS, and others, are provided free of expense with detailed Lists of the requisite Equipment for India, China, Australia, &c., both by Ship and by the Overland Route.

MILITARY and NAVAL OFFICERS, CIVILIANS, and others returning to India, Officers joining their Regiments, &c., are provided with every requisite for the completion of their Outfits, at the usual Wholesale Prices.

ESTIMATES for LADIES, and FAMILY OUTFITS, with Lists of the Articles required, the several prices of each, and every particular connected with the necessary Equipment for India or the Colonies, will be forwarded on application.

PASSENGERS' BAGGAGE, PACKING, &c.--Messrs. THRESHER and GLENNY undertake to receive, arrange, and carefully pack Outfits and Passengers' Baggage, and to ship the same, either in the Docks, or on Board the Peninsular and Oriental Company's Steamers at Southampton; to fit up the Cabins, and to insure the Outfits, Baggage, Passage, &c., without entailing any trouble whatever on the parties.

PASSAGES TO INDIA, CHINA, &c.--Full particulars of the Overland Route to India, Regulation of Baggage, Rates of Passage Money to Malta, Alexandria, India, China, &c.; also, Expenses of Passage by Ship, Lists of Ships sailing, &c., &c., will be forwarded to any part of the country free of expense, and Passage secured if required.

Messrs. THRESHER and GLENNY beg to observe, that Outfits supplied by them are arranged with the STRICTEST ECONOMY, all useless expense scrupulously avoided, and those Articles only recommended which experience has proved to be actually necessary. The Goods are all charged at the lowest Wholesale Prices; consequently _all Orders and Outfits must be paid for on delivery, and no discount whatever can be allowed_.

_The following Articles, Manufactured by_ THRESHER _and_ GLENNY, _can only be procured at their Warehouse_, 152, STRAND, LONDON.

THRESHER'S REGISTERED TRAVELLING BAGS--manufactured by authority of the Peninsular and Oriental Company, expressly for their Steam Ships to Vigo, Oporto, Lisbon, Cadiz, Gibraltar, Malta, Alexandria, and India.

THE REGULATION OVERLAND TRUNK--manufactured by direction of the Egyptian Transit Company, for crossing the Desert, and for travelling in Egypt, Syria, and India, and authorised by all the Companies connected with the Overland Route.

THE NAPIER BED AND BULLOCK TRUNKS--manufactured expressly for marching in India, by direction of General Sir Charles Napier, G.C.B., Commander-in-chief of India, &c., &c., strong, light, and water-proof.

THRESHER'S INDIA GAUZE WAISTCOATS.--These most important articles of clothing for wear in India, possesses all the advantages, without the inconvenience, of flannel waistcoats; the texture is light, soft, and durable, and perfectly free from every irritating and disagreeable quality.

J. C. CORDING,

NAUTICAL AND SPORTING

WATERPROOFER AND TAILOR,

231, STRAND,

_Five Doors West of Temple Bar._

Manufacturer of the New Dreadnought Coats, warranted to resist the effects of any climate. The superiority of this new description of Waterproof is acknowledged by all who have tried it, being perfectly pliable and elastic, and not affected by the sun or frost. It answers equally well on a great variety of fabrics suitable to tropical or polar regions, and is invaluable to the sportsman, the sailor, and every one likely to be exposed to the elements.

Cording's Sheet India Rubber Fishing Boots are made up with improvements, the suggestions of veteran sportsmen, and have the appearance of leather, but are one-half the weight; they are, also, more pliable, and never crack; they are perfectly waterproof for any length of time, require no dressing to keep them in condition, and are pronounced by gentlemen who have tried them to be the only article fit for the purpose.

YACHTING JACKETS, TROUSERS, LEGGINGS, HATS AND SOUTHWESTERS.

_Patent Life Belts._

LADIES' CAPES, HOODS AND PETTICOATS.

Gig and Box Aprons, Travelling Knee Wrappers, Driving and Travelling Gloves.

FISHING STOCKINGS AND GOLOSHES, SNIPE BOOTS.

_Every description of article made to order if required, either Black or Drab coloured._

A new and excellent Oil-proof Cape, for labourers and keepers, _warranted not to crack_, from 3s. 6d. each, or 40s. per dozen upwards.

CAUTION.--As many shopkeepers are selling inferior goods as "Cording's Waterproofs," thereby causing disappointment to the purchaser and bringing undeserved discredit on the good article, gentlemen are requested to observe that J. C. Cording's name is on all articles manufactured by him, and he requests he may be judged by the service of those only.

Every one may be certain of purchasing Articles really Waterproof from

J. C. CORDING, 231, STRAND,

(FIVE DOORS WEST OF TEMPLE BAR.)

W. BUCKMASTER & CO.,

MILITARY TAILORS, &c.

No. 3, NEW BURLINGTON STREET, LONDON.

DIRECTIONS FOR MEASURING

_May be taken with a Piece of Tape, and reduced to Inches._

+------------------------------------------+----+ |COAT MEASURE. |Inch| | | | |1. Height and length of Collar | | |2 to 3. From bottom of Collar to | | | Hip Buttons | | |3 to 4. From Hip Buttons to bottom | | | of Skirt | | |5. From centre of Back to Elbow | | |6 to 7. Continued to length of | | | Sleeve | | |8. Size round top of Arm | | |9. Size round Chest, _over_ Coat | | | Ditto ditto _under_ Coat | | |10. Size round Waist, _over_ Coat | | | Ditto ditto _under_ Coat | | | | | | TROUSERS | | | | | |11 to 12. From top of Trousers to | | | bottom | | |13 to 14. From Fork to bottom of | | | Trousers | | |15. Size round top of Thigh, | | | taken tight | | |16. Ditto Calf ditto | | |17. Ditto Waistband | | |18. Ditto Hips | | | | | |Size round Head for Caps, &c. | | | | | |Height of Person | | | | | +------------------------------------------+----+

Please to state if any peculiarity in figure--as, very upright, or inclined to stoop, high or low shoulders, &c., &c.

Measures taken as above, will answer every purpose, stating whether measured over a Uniform or Plain Coat.

Gentlemen who have not previously had an account with the House, will be pleased to make a reference to their Agents in London; or, if they wish to avail themselves of the discount, to refer to them for payment.

MILITARY EQUIPMENT.

TO THE OFFICERS OF THE QUEEN'S OR EAST INDIA COMPANY'S SERVICE,

_EMBARKING TO INDIA OR THE COLONIES._

GENTLEMEN proceeding on appointment to join their Regiments abroad, provided with Regimentals and every necessary article of the very best quality and manufacture, strictly uniform, at the lowest possible prices,

BY

SAMUEL ISAAC,

21, ST. JAMES'S STREET, LONDON,

AND

71, HIGH STREET, CHATHAM.

S. ISAAC has had the honour to supply Officers of Her Majesty's Service for the last twenty years most satisfactorily, which the numerous testimonials in his possession will certify.

S. ISAAC having supplied Regiments and Depôts with necessaries of every description for many years, to the entire satisfaction of the Officers Commanding, respectfully begs their examination of his kit and prices, being uniformly pronounced by many distinguished Officers in Her Majesty's Service at least 30 per cent. less in price, and 20 per cent. superior in quality,[15] to any yet issued to the soldier!

_Gentlemen, on landing from India, provided with Plain Clothes, and every necessary article for use in England, in_ one day.

PASSAGE AND GENERAL AGENCY.

Plans and correct information of every Ship sailing to India and New South Wales may be obtained. Passages engaged, whether by sailing or the overland vessels; and baggage also shipped through this medium, at a considerable saving of time, trouble and expense.

[Footnote 15: _Vide_ Testimonials in S. Isaac's possession.]

_Patronized by the Commander in Chief, General Sir Charles Napier, G.C.B., and Staff_.

JOHN B. JOHNSTONE,

_MILITARY TAILOR_,

CAP AND ACCOUTREMENT MAKER,

No. 27, JERMYN STREET, ST. JAMES'S,

LONDON.

MILITARY APPOINTMENTS OF EVERY DESCRIPTION.

_Camp and Barrack Furniture_.

INSTRUCTIONS TO TAKE MEASURE

May be taken with Tape and reduced to Inches.

COAT | TROUSERS Inches.| Inches. 1 From, bottom of Collar | 1 to 2 From Top of the to Waist. | Trousers to Sole of 2 From Waist to Skirt. | Boot. 3 From centre of Back to | 3 to 4 From Fork to Sole Elbow. | of Boot. 4 From Elbow to | Knuckle. | 5 Exact size of the Top 5 Round centre of Arm. | of the Thigh. 6 Round the Chest over | Waistcoat. | 6 Round Waist 7 Round the Waist do. do. | 7 Round Seat.

Please to mention the height, and if any peculiarity in the Figure.

N.B. Gentlemen who have not previously had an Account with the House, will be pleased to make a reference to their Agents in London, or, if they wish to avail themselves of the Discount, to refer to them for payment.

LADIES' RIDING HABITS.

LADIES RESIDING IN INDIA AND THE COLONIES

ARE RESPECTFULLY INFORMED, THAT THE ABOVE ELEGANT

EQUESTRIAN COSTUME

May be insured to fit perfectly, by a tight fitting Cotton Body and Sleeve being suited to the figure, and a pattern of the same on tissue paper, with the exact size of waist on tape, forwarded per Overland Mail to

UNDERWOOD AND CO.,

_HABIT MAKERS_,

1, VERE STREET, OXFORD STREET, LONDON.

N.B. Orders will be promptly attended to, accompanied by a satisfactory reference.

BOWRING AND GLENNY,

_OUTFITTERS_,

33, LOMBARD STREET, LONDON.

GENTLEMEN AND FAMILIES supplied with every article in UNDER CLOTHING for home use or wear in a foreign climate. _Each article_ marked, washed, and packed at a few hours notice.