THE CITY OF GLASGOW LIFE ASSURANCE AND

REVERSIONARY COMPANY.

ESTABLISHED IN 1838.

40 ST VINCENT PLACE, GLASGOW.

OFFICES, ST ANDREW SQUARE, EDINBURGH.

BONUS ASSURANCE AT THE SMALLEST OUTLAY.

By new Directors are to offe

Y an entirely new adaptation of the Bonus System, the Directors are enabled to offer

Assurance. The Plan is fully explained in a Pamphlet issued by the Company, to which reference is made for detailed information respecting it.

SEVEN YEARS' HALF CREDIT ASSURANCE.

Under this system, Assurances can be effected at an outlay, during the first seven years, of little more than one-half of the ordinary Premium, and at a moderate rate thereafter, while the full Sum Assured will be paid at death. Full particulars and illustrations of the Plan will be found in a separate Pamphlet issued by the Company.

EXEMPTIONS AS REGARDS FOREIGN TRAVEL AND RESIDENCE.

Unrestricted liberty is granted from the outset to all Assured under Whole Life Policies, except Seafaring Persons, to pass by sea from one part of the world to another, without payment of Extra Premium.

Unrestricted liberty is granted from the outset to reside in many foreign countries, without payment of Extra Premium.

At the end of five years from the date of a Policy, liberty is granted to reside in any quarter of the world, without payment of Extra Premium, on the Assured shewing, at taking out the Policy, that they have no prospect then of going abroad, and provided they do not proceed thereto at any time within the above period of five years from the date of Policy.

SPECIAL PRIVILEGES GRANTED BY THIS COMPANY.

At the end of five years from their date, the Company's Policies (provided satisfactory evidence of age has been produced) are indisputable on any ground whatever.

When a Policy falls by non-payment of the Premium, from oversight or other cause, no advantage is taken thereof to deprive the holder of the Policy of its full surrender value; and special notice is given that the same will be paid, on application, within three months.

Policies are issued by the Company free of charge for Stamp-Duty, for Entry-Money, or for Medical Fees.

DIVISION OF PROFITS.

The Profits are divided ANNUALLY. Each Policy Holder participates therein THE VERY FIRST YEAR HE ENTERS. Each Policy Holder receives an EQUAL SHARE of the Profits, in proportion to the Sum Assured. The Profits may either be allocated as an addition to the Amount Assured, or the value paid AT ONCE IN CASH.

Copies of the Company's Pamphlets, Forms of Proposal, &c., may be had at the Offices, or from any of the Local Agents.

DANIEL WALKINSHAW, Manager.

ROBERT BALFOUR, Secretary at Edinburgh.

AND INCORPORATED BY SPECIAL ACT OF PARLIAMENT, FOR FIRE AND LIFE ASSURANCE, AT HOME AND ABROAD.

Chairman of the Company.

JOHN CRUICKSHANK, Esq., LL.D.,

Professor of Mathematics in the Marischal College and University of Aberdeen.

HE IMPORTANT ADVANTAGES offered by the Plan and Constitution of this Com

THE

pany are:

The Protection of a large PAID-UP Capital, with the guarantee of an influential Local Proprietary, nearly 1000 in number, and

The moderate Fire and Life Rates, which are on the most economical scale consistent with perfect safety. The ASSETS of the Company amount to £350,000.

The ANNUAL INCOME is nearly Two HUNDRED THOUSAND POUNDS.

In the LIFE DEPARTMENT, the number of existing Policies is upwards of FOUR THOUSAND,
The total amount Assured thereby, exceeds ONE MILLION SIX HUNDRED THOUSAND POUNDS.

It embraces a NON-PARTICIPATION SCHEME for those who prefer the present advantage of Reduced Premiums to a future Bonus.

And a PARTICIPATION SCHEME, which offers peculiar advantages to the Assured, the whole profits being divisible among the Policy-holders, while the expenses for management, and guarantee against risk, are restricted to ten per cent. on the Premiums paid.

FIRE INSURANCES

Effected at reduced rates.-Claims promptly and liberally settled.

Fire and Life Proposals and Tables of Rates may be obtained at the Head Offices or numerous Agencies throughout the Kingdom.

WILLIAM CHALMERS, Manager.
H. AMBROSE SMITH, Secretary.

Office in Edinburgh.

20 ST ANDREW SQUARE.

Secretary.

ROBERT CHRISTIE.

UNITED KINGDOM LIFE ASSURANCE COMPANY.

THE

HE unusual success which has attended the cautious yet energetic operations of this Company, has enabled the Directors to add Reversionary Bonuses to Policies on the participating class, averaging nearly 2 per cent. per annum on the sum insured, or from 30 to 100 per cent. on the Premiums paid.

Parties insuring with this Company do not incur the risk of Copartnership, as is the case in Mutual Offices.

Loans on Personal Security, for limited periods, are granted in connexion with Policies effected for the whole term of life.

ANNUAL INCOME UPWARDS OF £128,000.

The Funds or Property of the Company, as at 31st December 1855, amounted to £566,124, 2s. 6d., invested in Government and other approved Securities.

Assurers for Life, and on the regular scale, may leave Half the Annual Premium for the first five years unpaid, at interest, to be deducted eventually from the Policy, or paid off at convenience, whilst the Company have no claim for the arrears in the event of an Assurer wishing to discontinue his Policy; thus affording to parties desirous of effecting SHORT TERM POLICIES the advantage of having a Life Insurance at a scarcely increased outlay. This mode of payment affords the greatest facility and accommodation.

No Charge made for Policy Stamps or Entry-Money.
Fees for Medical Reports paid by the Company.

GLASGOW BOARD,

JOHN BAIN, Esq. of Morriston.

JAMES ROBERTSON, Esq., Banker, Glasgow. WM. CONNAL, Jun., Esq., Merchant, Glasgow. ROBERT SALMOND, Esq., Banker, Glasgow. WILLIAM STIRLING, Jun., Esq., Kenmure.

Medical Officers.

JOSEPH BELL, Esq., M.D., Surgeon, 162 St Vincent Street.
ROBT. SCOTT ORR, Esq., M.D., Surgeon, 141 Bath Street.

Solicitor,-ALEXANDER REID, Esq., 73 St Vincent Street.
Agents,-SETONS & STIRLING, 120 St Vincent Street.

EDINBURGH OFFICE,-45 NORTH HANOVER STREET.
Agent,-P. S. FRASER, Esq.

By order of the Board,

P. MACINTYRE, Secretary.

NATIONAL FIRE & LIFE INSURANCE COMPANY OF SCOTLAND.

ESTABLISHED 1841.-CAPITAL, TWO HUNDRED THOUSAND POUNDS.

Medical Officer, Adam Hunter, M.D.-Auditor, Samuel Raleigh, Esq., C.A.
Law Agent, George Maclachlan, Esq, W.S.-Bankers, The British Linen Company.

LIFE ASSURANCE.

NINE-TENTHS of the net Profits in this department are appropriated ANNUALLY to the Assured, the remaining One-tenth being added to the Guarantee Fund.

At the Annual Division of Profits in 1856, an addition was made for the year to every Policy on the Participating Scale at the rate of £1, 5s. per cent., being the same rate as at the previous division. Bonuses may be converted into cash payments.

The PREMIUMS are on the most moderate scale, and Policies may be taken out under a New Table at a reduced premium for the first year. No charge for ENTRANCE-MONEY, MEDICAL FEES, or STAMPS. Annual Premiums, with Right to Profits.

October 1856.

FIRE INSURANCE.-Insurances effected at the usual moderate rates.

JOHN M. M'CANDLISH, Manager.
JAMES HOWDEN, Secretary.

THE LANCASHIRE INSURANCE COMPANY,

ST ANN'S SQUARE, MANCHESTER

GLASGOW OFFICE-4 SOUTH HANOVER STREET. DUNDEE OFFICE-23 COWGATE.
CAPITAL-TWO MILLION POUNDS.
WEST OF SCOTLAND BOARD.
Honorary Chairman.

Sir M. R. SHAW STEWART, Bart., of Greenock and Blackhall, M.P.

Bankers-THE WESTERN BANK OF SCOTLAND.

The advantages offered by this Company are:

PROFITS,...

SLIFE-80 per Cent., divided Triennially.
FIRE-50 per Cent., divided Annually on Policies of three years' standing.

SPECIAL 1. No Partnership Liability.

ADVANTAGES 2. Very Moderate Premiums.

ΤΟ

INSURERS,

BUSINESS IN
SCOTLAND,

LOANS,.

3. Perfect Security in a large and wealthy Proprietary.

4. Policy Stamps, Entry Money, Medical Fees-not chargeable against Insurers. 1. Centralised in Glasgow under a Board of Proprietors.

2. Similar arrangements as in First-Class Scotch Offices.

3. Policies issued and made payable at the Company's Office in Glasgow.
4. No Probate or Letters of Administration required on lapsing of Policies.
5. Assignments received and Registered at the Company's Office in Glasgow.
6. A large amount of the Capital Stock is held in Scotland.
..Loans granted on Reversionary and other Securities.

JAMES MUIR, Resident Secretary,
4 South Hanover Street, Glasgow.

THE LIVERPOOL AND LONDON

FIRE AND LIFE ASSURANCE COMPANY.

ESTABLISHED IN 1836.

(Empowered by Special Acts of Parliament.)

OFFICES.

37 CASTLE STREET, LIVERPOOL; 20 AND 21 POULTRY, LONDON;
61 KING STREET, MANCHESTER; 128 INGRAM STREET, GLASGOW;
56 WALL STREET, NEW YORK; PLACE D'ARMES, MONTREAL;
WYNYARD SQUARE, SYDNEY; and ELIZABETH STREET SOUTH, MELBOURNE.

Sir T. BERNARD BIRCH, Bart.

TRUSTEES.

ADAM HODGSON, Esq.

SAMUEL HENRY THOMPSON, Esq.

DIRECTORS.

Chairman-THOMAS BROCKLEBANK, Esq.

Deputy-Chairmen-JOSEPH C. EWART, Esq., M.P., and FRANCIS HAYWOOD, Esq.
Secretary-SWINTON BOULT, Esq.
DIRECTORS IN LONDON.

Chairman-MATTHEW FORSTER, Esq. Deputy-Chairman-GEORGE FREDERICK YOUNG, Esq.
Resident Secretary-BENJAMIN HENDERSON, Esq.

DIRECTORS IN MANCHESTER.

Chairman-SAMUEL ASHTON, Esq. Resident Secretary-R. A. KENNEDY, Esq.

This Company grants Life Assurances on various plans suited to the wants of the Public.
BONUSES DECLARED AND GUARANTEED when the Policy is issued.

ANNUITIES, PREsent and DeferRED, granted on liberal terms.

FIRE.

Insurances against Loss by Fire effected on every description of Property at Home and Abroad. Prospectuses, Forms of Proposal, and every information, can be obtained at the Company's Offices, or from any of the Agents.

128 INGRAM STREET, GLASGOW.

D. STEWART, Resident Secretary.

ROYAL INSURANCE COMPANY.

CAPITAL, £2,000,000, IN 100,000 SHARES OF £20 EACH.

ARCHIBALD SCOTT, Esq., Architect, 10 Teviot Row.

For further particulars, see Advertisement at end of Directory.