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HEAD OFFICE, ABERDEEN, SCOTLAND, HEAD OFFICE-PLACE DAEMES, MONTREAL. |toarb of Jlirettors. HUGH TAYLOR, Ksq., Advocate. R. D. COLLIS, Esq., Merchant. Wm. EDMONSTONE, Esq., Merchant. W. B. LAMBE, E:iq., Advocate. ^cgal gib&isers, Ptbical gibfeiser. Messrs. BETHUNE & DUNKIN". Wm. ERASER, M.D. Secwtarg for Canaba. A. DAVIDSON PARKER. o Office in EDINBURGH, 65 PRINCES STREET. " GLASGOW, Ill ST. VINCENT STREET. «' LONDON, 20 CANON STREET. " DUBLIN, 34 COLLEGE GREEN. Office in MONTREAL, PLACE BASHES. PRINTED BY JOHN LOVELL, ST. NICHOLAS STREET. SCOTTISH PROVINCIAL ASSURANCE COMPANY. INOORPORATBD BT ACT OF PABIilAniENT. THE RIGHT HON. LORD FORBES. (Bictrnorbinarg ^irttiort. JAMES BRUCE, Esq., of Inverquhomery. ROBERT DUFF, Esq , of Fctteresuo. WILLIAM EUING, Esq., Insurance Broker, Glasgow. DAVID GREIG. Esq., late M. P., Perth. Db. ALEXANDER HENDERSON. WILLIAM M'COMBIE. Esq., of Easter Skene. ROBERT M'PARLANB, Esq.. Edinburgh. Pkofbsboh HERCULES SCOTT, King's College. WILLIAM SMITH, Esq., of Carbeth Guthrie. GEORGE THOMPSON. Jun.. Esq., Shipowner, Aberdeen. I ©rbinarg ^iredow. ALEXANDER STROXACH,Esq.,of Druraallan. Cliairman. ALEXANDER BURNESS, Esq., of Mastric': JAMES CHALMERS, Esq. Printer. ALEXANDER PRASER. E'q.,City Chamberlain. WILLIAM LITTLEJOHN, Esq., Banker. THOMAS SANGSTER, Esq., Advocate. JOHN SMITH. Esq., Advocate. BanJl»r».— THE ABERDEEN TOWN AND COUNTY BANK. Medical Adviser— Hvl. DYCE. Law Agent— 3 OH N, WEBSTER, Esq., ADVOCATE. Jfanoflrer-C H A S. P. GRIFFITH. Secretary— ALEX. STABLES, Jun. EDINBURGH BOARD. ROBERT M'PARliANE, Esq., Advocate, Chairman. DAVIU RHINI). E»q.,ArohttPct. JOHN RICHARDSON, Esq., W.8. J. 8. JOHNSTON. Eiq., 8.8.C. JOHN MACANDREW, Esq.. 8.8.C. Medical Advi»er-J KMES DUNSMirUK. K«q.. M.D Local Secretary- A N D E E W R O R E R T 8 O N. IBankers-TUV ROYAL BANK OP SCOTLAND. Qfflce-iio. 65, PRINCES STREET. GLASGOW BOARD. WILLIAM EUING, Esq , Iniurance Broker, Chairman. Wm. S. DIXON. Esq.. Caldor Iron Works. W M. BROOM, Esq., Builder. D.CUTHBERTSON, Esq.. Accountant. Medical Adviaer-VAl AIU.ES RITCHIE. Esq.. M.D JOHN CABBELL, Secretary. Bankers.— Iim ROYAL BANK OF SCOTLAND. Q^ce-No. Ill, St. VINCENT STREET. LONDON BOARD. JAMES ANDERSON, Esq., Billit«r Square, Chairman. GEORGE HARRIS, Esq.. Stockbroker. W. P. 8MITHETT, Esq., Merchant, 18, Cannon Street. GEORGE TAYLER. Esq.. Merchant. JOHN YOUNG, E.Nq., Merchant. GEORGE THOMPSON. .Jr., Esq. Medical ^dcwr— GEORGE T. FINCH All, Esq.. M.D., L.R.O.P., 28, Chiipel Street, Belgravo Squ.irc. Solicitors— yio.MT%. CLARKE k MORICE, 29, Coleman Street. Resident Secretary -'¥ . YUILLB WARDROP. Banhera-tll^ LONDON JOINT STOCK BANK. Office-No. 20, CANNON STREET. SCOTTISH PROVINCIAL ASSURANCE COMPANY. ^mpttm. LIFE DEPARTMENT. The benefits to bo derived from Life Assurance being indispu- tably of the utmost importance, it is gratifying to observe that they are so highly appreciated. The upper classes of society have long availed themselves of the system, and do so now to a greater extent than ever, while the public at large are becoming more sensible of its importance. The issue of Policies for smaller sums than formerly is, in consequence, rapidly on the increase. Instances of widows and fatherless children saved from penury and dependence by these means will thus be multiplied, and, as contrasted with others left destitute, may form most cogent arguments for Life Assurance with many, who can secure a competency for their families, in the event of their death, in no other way. There can be no doubt that Assurances will be effected for this, their most important object, to a vastly increased extent. But there are other purposes to which Life Assurance is appli- cable. It facilitates the borrowing of money — secures, in many cases, the payment of doubtful debts — renders contingent pro- perty in reversion absolute, and, in general, provides means of indemnity against pecuniary loss, wherever such loss would be occasioned by the failure of human life. The Scottish Provincial Assurance Company, which was established in 1825, and is incorporated by special Act of Parlia- fiCOTTtSH PROVINCIAL ASSCKANCE COMPANY. incnt, now prosecutes the business of Life Assfranoe in all its branches. The most approved principles have been adopted, and the success of their application is })eriodically tested witii the utmost care. According to the Constitution of the ()om})any Investi- gations into the state of its afl'airs are now made at intervals not exceeding Five Years ; and the results of those which have already taken place have been increasitiffly advantageous to parties interested, as must be apparent from what iollows. There are two great divisions of the Life Assurance business, — one, securing for those connected with it a right to share in profits, and the other, without that advantage, at lower rates of premium. I.— PARTICIPATION imANCH. Policies with a right to share in profits began to l)e issued by this Company in 1840. Three Investigations have since taken place ; and the following Table shews the rates of Addition to Assurances of this Class. Table of vested additions to Folioies for £1000. Policy opened before Annual Balance in. Bonus voitcd at lOtli Feb., 1847 Bonus vestiiil at 10th Ftb.. 1852. liouus vested at »lNt Jan., 1SS7 Total vested ifoiiunes in 18&7. 1841 £87 10 £67 19 5 £79 8 9 £234 18 2 1842 75 67 3 9 78 10 6 220 14 3 1843 62 10 66 8 2 77 12 3 206 10 5 1844 50 65 12 6 76 14 192 6 6 1845 37 10 64 16 11 75 15 9 178 2 8 1846 25 64 1 3 74 17 5 163 18 8 1847 12 10 63 5 8 73 19 149 14 10 1848 62 10 73 11 135 10 11 1849 — 50 72 3 9 122 3 9 1850 37 10 71 6 7 108 16 7 1851 — 25 70 9 4 95 9 4 1852 12 10 69 12 2 82 2 2 1853 68 15 68 15 1854 — 55 55 1855 41 5 41 5 1856 27 10 27 10 1857 — 13 15 13 15 SOOTTiail rROVZNOIAL AB8URANCK COMPANY. The Bonuses in preceding Table ore, in all cases, payable along with the sums originally assured, and are, equally with them, guaranteed by the Company, while the holders of the Policies incur no responsibility whatever by connection with the Partici- pation Scheme. A further Bonus, at the rate of £1 per cent, for every additional year for which Premiums may be received, will also bo payable on Policies in force at 31st January, 1862, that may become claims by death before next Investigation — an arrangement which secures for such cases the same advantage as would result from the An- nual Declaration of a Bonus of that amount. It is important to observe that the additions vested at the second and third Investigations, as stated in the preceding Table, are calculated on the sums originally Assured, increased by previous Additions, so that holders of Policies of long standinr' enjoy a benefit similar to that of accumulation at compound interest. Notwithstanding this circumstance, the Bonuses declared in 1857 were at the rate of £1 Ts. 6. per cent, per annum for the pre- ceding five years, instead of £1 Ss. per cent, per annum, as on the two previous occasions ; all Assurances eflfected before the change of date of the Company's Balance being dealt with as if no such change had taken place. Instead of additions to the sums assured, corresponding deductions from future premiuniH, or immediate payments in money, are allowed. Policies of the Participation Class form the most excellent pro- vision for families that can be obtained. The Premiums will be made payable according to the annexed Tables, or otherwise, as parties may prefer. The rates are strictly moderate. II.— NON-PARTICIPATION DEPARTMENT. Assurances, without profits, secure at the commencement the largest benefits in proportion to the Premiums, which is, in many cases, an important advantage. Policies in this department can be variously framed, to form collateral securities, in connection with pecuniary transactions, or to prevent the loss of reversionary il SCOniRH PROVINCIAL ASSURANCE COMPANY. interests dependent on life contingencies. For cases to which the Premiums in tlie printed Tables do not apply, the Company's terms will be communicated on inquiry. Every description of risk on approved lives is undertaken. The Premiums have been calculated on principles as favour- able to Assured as are consistent with a due regard to the stability of the Office. Besides the Assurance of sums at death, the business of the Company embraces. The Granting of Endowments for childreii and others, payable on their attainmont of majority, or ages specifiod in propo- sals ; and also. The Sale of Annuities, Immediate and Deferred, on Single and Joint Lives and Survivorships. Loans are Granted on SEouRiTr of the Company's Poli- cies, WHEN their Surrender Value is not less than £20. REGULATIONS AND CONDITIONS. No Entrj' Money or other charge, boyoud the Premium, is exacted at the commencement of an Assurance. The expense of reports by Medical Referees is defrayed by the Company. A Certificate of Birth, or other proof that the age has been correctly stated, should be furnislied when an Assurance is effected, otherwise such proof will be recjuired when the Policy becomes a Claim. All Policies now in course of being is-^ued by this Company, in which the ages of the Assured are admitted, are guarante(!d by the conditions to be held indisjtutable on any ground whatever after tliey sliall huve been five years in force, provided only that the ordinary Premiums be regularly paid, with such extra Pre- SCOTTISH PROVINCIAL ASSURANCE COMPANY. iniumg as may be considered adequate for Sea Risk, Foreign Residence, or Naval or Military occupation. Thirty Pays are allowed for the payment of Renewal Premiums, after they become due. lu the event of non-payment in any case within that time, the Premium will still be accepted, if tendered within three months from the date stipulated in the Policy, with such fine as may be imposed (which cannot exceed 10s. per cent, on the sum assured), provided always that proof, satisfactory to the Direc- tors, be furnished, that the Assured is in good health. The Directors will, after receipt of three yearly Premiums, not being on an ascending scale, purchase any Policy granted by the Com- pany for the whole period of life ; or they will issue a new one in lieu of it, not subject to annual payments, for a sum corresponding to the surrender valu j. And as it is often regarded as a grievance that, should circumstances render it desirable to relinquish an As- surance, there is no security that a fair consideration will be given for it, the Directors have established a very liberal rule, viz. — that for surrender of any Policy for the term of life, effected at uniform rates, and which has been three years in force, a return of 40 per cent, on the amount of ordinary Premiums received will, at any time, be allowed, besides the value of vested bonuses, where such liave been declared. Parties whose lives are assured with this Company obtain license, on application without extra charge, to reside in any part of the world, north of 38 degrees of north latitude, and south of 30 degrees of south latitude — tJold Districts being, in all cases, excepted. The extra rates for sea risk, and such foreign residence and occupation as cannot be safely allowed at ordinary premiums, and also for mi- litary and naval services, have been much reduced. And, to ob- viate the danger of forfeiture from causes over which those possessed of such securities may have no control, it has been resolved that As- surances, held bona fide on the lives of others, shall not be forfeited, in consequence of extra risks being incurred, if the facts be commu- nicated to the Otlice, so soon as tlioy are known to the holders of the Policies, and the additional Premiums exigible be paid. Policies granted to persons on their own lives, and wliicli have not been rendered indisputtiblc as aforesaid, become void, if they die by Suicide, Duelling, or by the hands of J ustice. This, however. 10 SCOTTISH PROVINCIAL ASSURANCE COMPANY. i does not extend to Policies which have been bona fide assigned to third parties for onerous causes, and of which assignment notice shall have been given to the Office previous to the death ; nor does it extend to Assurances effected by one person on the life of another. And in respect of Policies granted to persons on their own lives, which, not having been assigned to third parties, shall become void as aforesaid, the Directors are empowered to take circumstances of peculiar hardship into consideration, and to pay the amount which would have been given for surrender the day before death. Claims are payable within three calendar months after the death of the Assured is duly certified to the Court of Directors. And, in order to avoid the possibility of disputing, or even protracting, just claims on the Company, by delay and expense of legal proced- ings, it shall be imperative upon the Directors, at all times, to sub- mit any subject of dispute to the decision of two neutral persons — one to be named by the Directors, and the other by the party in- terested in the Assurance ; and the referees so named, previously to undertaking the reference, shall agree upon an umpire, and the decision of the referees or umpire shall be final. Forms of proposal, and every additional information, maybe ob- obtained on application at the Office in Montreal, or any of the Agencies of the Company, =m*l- iji^ IK I ( ■ 12 SCOTTISH PROVINCIAL ASSURANCE COMPANr. SPECIAL REDUCED SYSTEM. Annual Premiums for Assurance of £100 at death, the Amount in Policy being payable in full, without deduction of arrears or interest, as under Half-Credit Assurances. With Participation In Protlts. Affo llP.Xt hittli- Da.v. Fir-st Five Years. 1 Remainder of Life. A KB next Birth- Duy. First Five Years. Remainder of hife. £ s. d. £ 3. d. £ s. d. £ s. d. 20 18 11 2 11 36 1 10 1 3 4 11 21 19 5 2 2 37 1 11 1 3 G 10 22 19 11 2 3 2 38 1 12 2 3 8 10 23 10 6 2 4 5 39 1 13 3 3 10 11 24 1 1 1 2 5 9 40 1 14 5 3 13 10 25 1 1 9 2 7 2 41 1 15 6 3 15 2 2G 1 2 5 2 8 7 42 1 16 8 3 17 3 27 1 3 2 2 10 1 43 1 17 10 3 19 5 28 1 3 10 2 11 7 44 1 19 2 4 1 10 29 1 4 6 2 13 1 45 2 G 4 4 3 30 1 5 2 2 14 7 46 2 1 11 4 7 31 1 5 11 2 16 1 47 2 3 7 4 10 32 1 (i 8 2 17 8 48 2 5 4 4 13 4 33 1 7 5 2 19 4 49 2 7 5 4 17 1 34 1 8 3 3 1 2 50 2 9 8 5 1 4 35 1 9 2 Under Assurances on the Special Reduced System participation will not be held to commence until after the expiry of the first live years. EXAMPLES, At Age 30 a person may secure a Policy for £50t), by an annual pay- mentof £6 5s. lOd., during the first five years and thereafter JE 13 12s. 1 Id., per annum. At Age 40 .£250 m.ay he assured by an annual payment of £4 Gs. Id., duriug t!ic first five years and tliereal'tor by a yiMirly premium of XO 4d. 7d. At Age 25 £1500 maybe assured by an annual payment of £1G Gs. 3d., during the first five years and thereafter by a yearly payment of £35 Is. Gd. ath, the action of nainder of Life. 8. d. 4 U 6 10 8 10 10 11 13 10 15 2 17 19 1 4 1 10 13 17 1 3 5 10 3 4 1 4 pation will e years. mnual pay- 3 12s. Ud., r,£4 68. Id., of £9 4s. 7d. XIC C8. 3d., {•£35 73. Od. scorriSH provincial assurance company. 13 SPECIAL REDUCED SYSTEM Annual Premiums for Assurance of £100 at death, the Amount in Policy being payable in full, without deduction of arrears or interest, as under Half-Credit Assurances, Wlthont Participation In Proflts. Ago next Birih- Uay. First Five Years, Remainder of Lifo. Abo llt'Xt Birth- Uay. First Five Years, RcmaiiuItT of Life. £ s. d. £ s. d. £ 8, d. £ S. d. 20 18 11 1 10 2 36 1 10 1 2 17 8 21 19 5 1 17 2 37 1 11 1 2 19 6 22 19 11 1 18 3 38 1 12 2 3 1 4 23 1 6 1 19 4 39 1 13 3 3 3 4 24 1 1 1 2 6 40 1 14 5 3 5 4 25 1 1 9 2 1 8 41 1 15 6 3 7 3 26 12 5 2 3 42 1 10 8 3 9 4 27 1 3 2 2 4 4 : 43 1 17 10 3 11 5 28 1 3 10 2 5 8 44 1 19 2 3 14 29 1 4 6 2 7 45 2 6 3 16 10 30 1 5 2 2 8 4 46 2 1 11 4 5 31 1 5 11 2 9 8 47 2 3 7 4 3 6 32 1 6 8 2 11 48 2 5 4 4 7 33 1 7 5 2 12 6 49 2 7 5 4 10 9 34 1 8 3 2 14 2 50 2 9 8 4 15 2 35 1 9 2 2 15 10 EXAJ [PLES. At Age 30 a person may secure a Policy for £500, by an annual pay- ment of £6 5s. lOd., during the first five years and thereafter £12 Is. 8d., per annum. At Age 40 £250 may be assured by an annual payment of £4 6s. Id., during the first five years and thereafter by a yearly premium of £8 3s. 4d, At Age 25 £1500 may be assured by an annual payraentof £16 6s. 3d., during the first five years and thereafter by a yearly payment of £31 5s. 14 BCOTTISU PKOVINCIAL AS8UHAN0E COMPANV. TABLE I. ASSURANCES ON SINGLE LIVES, WITH PROFITS. Uniform Rates of Fremiiun. Table of Annual, Hnlf-Yearht, and Qiiarferli/ Prptninmn, pai/ahle during the whole of Life, for Assurance of £100 at death, with Participation in Profits. Ago next Birth- day. Annual H'f-yearly Premium. Premium. 1 Quarterly i Premium. 1 i Age next Hirtli- ilay. Annual Premium. H'f.yearly Premium. Quarterly Premium. £ s. d. £ s. d. £ 3. d.i £ a. d. £ 8. d. £ 3. d. 15 12 3 16 6 8 ^i 38 3 7 11 2 15 10 16 13 1 16 11 8 7' 39 3 2 6 12 3 16 4 17 13 10 17 4 8 10 40 3 4 6 13 3 16 11 18 14 8 17 9 9 41 3 G 3 14 2 iO 17 4 19 15 6 18 2 9 3, 42 3 8 15 ilo 17 10 20 16 5 18 8 9 6 43 3 9 10 16 18 4 21 17 4 19 2 9 9 44 3 11 9 17 18 10 22 18 4 19 8 10 45 3 13 9 18 1 19 4 23 19 5 1 3 10 3 46 3 15 11 19 3 19 11 24 2 6 1 10 10 6 47 3 18 4 2 6 7 25 2 1 8 1 5 10 10 48 4 11 1 10 1 4 26 2 2 U 2 11 2 49 4 3 11 2 3 5 2 1 27 2 4 3 2 9 11 6 50 4 7 3 2 5 2 3 28 2 5 7 3 5 11 10 51 4 10 11 2 7 1 4 29 2 6 10 4 1 12 2 52 4 14 10 2 9 2 5 1 30 2 8 1 4 8 12 6 -.3 4 18 11 2 11 5 6 2 31 2 9 4 5 4 12 10 54 5 3 4 2 13 9 7 5 32 2 10 8 6 13 2 55 5 8 1 2 16 3 8 8 33 2 12 1 6 9 13 7 1 56 5 13 2 2 18 11 10 1 34 2 13 7 7 7 14 1 57 5 18 8 3 1 11 11 8 35 2 15 2 8 5 14 5 58 6 4 5 3 4 11 13 3 36 2 16 11 9 3 14 10 59 6 10 2 3 8 1 14 10 37 2 18 8 10 2 15 4 60 6 15 10 3 11 1 16 5 Example.— A person aged 30 may assure JElOO at his death, with parti- cipation in profits, by an annual payment of £2 8s. Id., or half- yearly payment of £1 4s. 8d., or quarterly payment of 123. 6d. SCOTTISH PROVINCIAL ASSURANCE COMPANY. 16 TABLE n. ASSURANCES ON SINGLE LIVES, WITHOUT PROriTS. Uniform Rates of Premium. Table of Jnnual, Half- Yearly, and Quarterly Premiums, payable during the whole of Life, for Assurance o/jGIOO at death, without Participation in Profits. irtcrly miuni. 9. d. 15 10 16 4 1(5 11 17 4 17 10 18 4 10 2 I 3 4 5 1 G 2 7 5 8 8 10 1 11 8 U 3 14 10 IG G Age nuxt Birth Jay. 15 Annual Promium. Half-yearly Premium. Quarterly Premium. Age noxt Birth day. Annual Promium, Half-Yearly Premium. Quarterly Premium. £ s. 8 tl. 6 £ s. 14 il. 7 £. 9. 7 d. 6 38 £ 2 s. 13 d. 7 £ 8. 7 d. 7 £ s. d. 14 16 9 3 15 7 7 39 2 15 4 8 6 14 6 17 9 11 15 4 7 9 40 2 17 1 9 5 14 11 18 10 8 15 9 8 41 2 18 9 10 3 15 5 19 11 5 16 1 8 2 42 3 5 11 2 15 10 20 12 3 16 6 8 4 43 3 2 1 12 16 3 21 13 16 11 8 7 44 3 3 11 12 11 16 9 22 13 11 17 5 8 10 45 3 5 10 14 17 3 23 14 11 17 11 9 1 4G 3 7 10 15 1 17 10 24 15 11 18 5 9 4 47 3 10 1 16 3 18 6 25 16 11 18 11 9 7 48 3 12 7 17 6 19 1 2G 18 19 6 9 11 49 3 15 6 19 19 10 27 19 2 1 10 2 50 3 18 6 2 8 9 28 2 4 8 10 6 51 4 2 2 2 6 1 8 29 2 1 5 1 4 10 10 52 4 5 8 2 4 5 2 8 30 2 2 6 I 10 11 1 53 4 9 6 2 6 G 3 8 31 2 3 7 2 5 11 4 54 4 13 8 2 8 8 4 10 32 2 4 10 3 11 8 55 4 18 2 2 11 1 6 1 33 2 6 3 8 12 56 5 2 11 2 13 8 7 5 34 2 7 5 4 5 12 5 57 5 8 2 2 16 5 8 10 35 2 8 10 5 1 12 9 58 5 13 7 2 19 4 10 4 3G 2 10 4 5 11 13 2 59 5 19 1 3 2 3 11 11 37 2 11 11 6 9 13 7 60 6 4 6 3 5 2 13 5 ExAMPLB. — A person aged 30 may assure £100 at his death, by an an- nual payment of £2 23. 6d., or half-yearly payment of £l Is. lOd., or quarterly payment of Us. Id. m ii I; ! I! 16 SCOTTISH PROVINCIAL ASSl'RANCE COMI'ANV. TABLE III. ASSURANCES ON SINGLE LIVES. WITH IMIOFITS. Lliiiitoa Niiiiiber ol'PaymontM. Table of Annual /'remiiniis, pai/ah/e for a limited Niimher of Years, for Ansitrat -e of flOO a! dmtli, leilh J'aiiicipation in I'rojUx. Axe IK'Xt Ono Five Ten Fifteen Tw(Mity Uirth (llV.V. rayinent. Payments, Payiiitiits. I'ayiiu'uts. Puyuiu'itst. £ s. d. £ X. d. C s. d. i: M. d. JU s. ll. 20 36 12 2 8 5 2 4 11 2 3 7 2 15 4 21 37 5 4 8 8 2 4 12 10 3 8 4 2 IG 5 22 37 19 4 8 11 4 4 14 8 3 9 8 2 17 7 23 38 13 10 8 14 7 4 16 7 3 11 2 2 18 10 24 39 8 11 8 18 1 4 18 7 3 12 8 3 1 25 40 4 6 9 1 8 5 8 3 14 3 3 1 5 26 41 4 9 5 5 5 2 11 3 15 11 3 2 10 27 41 16 9 9 9 5 5 5 2 3 17 7 3 4 4 28 42 13 4 9 13 5 5 7 5 3 19 4 3 5 10 29 43 9 9 17 2 5 9 6 4 11 3 7 2 30 44 3 6 10 6 5 11 5 4 2 5 3 8 6 31 44 18 3 10 3 10 5 13 4 4 3 11 3 9 9 32 45 13 6 10 7 4 5 15 4 4 6 5 3 11 1 33 46 9 7 10 11 5 17 5 4 7 2 3 12 6 34 47 G 6 10 14 11 5 19 9 4 8 11 3 14 35 48 4 10 18 11 6 2 2 4 10 9 3 15 7 30 49 2 2 113 3 6 4 9 4 12 9 3 17 2 37 50 9 11 7 8 C 7 5 4 14 9 3 18 11 38 50 19 8 11 12 3 6 K) 1 4 16 10 4 8 39 51 19 1 11 17 6 12 11 4 18 10 4 2 6 40 52 18 4 12 1 10 6 15 8 5 11 4 4 3 41 53 12 6 12 5 5 6 17 8 5 2 5 4. 5 8 42 54 6 5 12 8 9 6 19 6 5 3 11 4 7 43 55 2 12 12 7 1 4 5 5 3 4 8 4 44 55 14 6 12 1.) 5 7 3 2 5 6 9 4 9 10 45 56 9 3 12 18 9 7 5 5 8 4 4 11 5 46 57 4 10 13 2 3 7 7 1 5 10 47 58 1 3 13 6 11 7 9 3 5 11 11 43 58 18 10 13 9 9 7 11 7 5 14 1 49 50 18 2 13 14 3 7 14 5 5 16 8 50 60 18 9 13 19 3 7 17 7 5 19 7 51 62 9 14 4 10 8 1 2 52 63 2 10 14 10 6 8 5 53 64 5 1 14 16 2 8 9 1 54 65 7 5 15 2 8 13 5 55 66 10 3 15 8 1 8 18 1 56 67 13 3 15 14 9 57 68 16 6 16 2 1 • 58 69 19 4 16 9 11 59 71 6 16 17 5 GO 71 19 6 17 4 2 ExAUPMs.— A person aged 30 may assure JElOO at death, with particii)a- lioii in profits during the remainder of hlsiii'e, by a siiigie paynieut ofi.'44 3s. 6d.,orl)y an annual payment of £10 Os. 6d. for five years, or X'5 1 Is. 5(1. for ten years, or X'4 2s. 5d. for fifteen 6d. for twenty years. 1 years, or X'3 83. is-ll fmty iimuta. s. (/. 15 4 IG 5 17 7 18 10 1 1 5 2 10 4 4 Firetife Insurance Association OF LONDON, With which is amalgamated the Equitable Fire Office. Capital, J2,500,000 Slg. DEPOSIT FUND IN CANADA, $50,000 CANADA BRANCH: Office No. II Great St. Jamex Sireet, MONTREAL. Directors Fire Departmenl : J. Frotiiingiiam, Esq. W. Lunn, Ehq. B. IIoi.MEs, E^q. A. LaRocque. Ecq J. G. MACKENzrE, Esq. J. 'I'ORRANCE, Esq. EVERY description of FIRE and LIFE INSHRANCK BUSINESS irnnsacted HI the most MODER ATK RATE OF PRE- MIUM ; while ihe large cnpitnl, unlimited liability ofShnreholders and judicious manage- ment combine every fecuriiy and advantage to Policy Holders. W. P. REYNOLDS, Manager in B. N, A. Agent for Hamilton — JOSIAS BRAY, Next door to the Post Office. June 15, 1861 d23-6m ' • 1 t • {^Q t.J 1 ';: Tf ''"^ --] -- ^ •)' ■-. ft j'rs' ,t .; ••?• B0OTTI8H PROVINCIAL ASSURANCE COMPANY. 17 TABLE IV. ASSURANCES ON SINGLE LIVES, WITHOUT PROFITS. Ijlmlted Number of Payments. Tithh of Annual PrfmiutM, pai/abli' for a timiled nnmf/er of Years for Anntiranre o/ tlOO at death, without Participation in Prqfita. Age next 0)10 Five Ton Fifteen Twenty birth ilay. rayme lit. Paynioi ts. Payments. P%jine Its. Payments. £ ». d. £ 8. d. £ 8. d. £ a. d. £ «. d. 20 32 18 11 7 6 1 4_0 8 4*2 2 2 19 3 2 8 11 21 33 10 10 7 8 9 3 5 2 9 11 22 34 3 6 7 11 7 4 3 9 3 1 8 2 10 11 23 34 16 6 7 14 6 4 5 5 3 2 11 2 12 24 35 10 7 17 6 4 7 2 3 4 3 2 13 2 25 36 4 8 8 4 9 1 3 5 8 2 14 5 26 30 18 4 8 4 4 11 3 7 2 2 15 7 27 37 13 1 8 7 C 4 13 3 8 8 2 16 11 28 38 8 8 11 1 4 15 3 10 2 2 18 3 29 39 2 1 8 14 5 4 16 11 3 11 7 2 19 5 30 39 15 2 8 17 5 4 18 7 3 12 11 3 7 31 40 8 6 9 4 5 3 3 14 3 3 1 8 32 41 2 2 9 3 5 5 2 3 15 7 3 2 10 33 41 16 7 9 6 8 6 3 11 3 17 1 3 4 1 34 42 11 10 9 10 1 6 5 11 3 18 8 3 5 5 35 43 7 7 9 13 8 5 8 1 4 4 3 6 10 36 44 3 11 9 17 6 6 10 4 4 2 3 8 4 37 45 8 10 1 5 6 12 8 4 3 10 3 9 10 38 45 17 8 10 5 5 5 15 1 4 6 7 3 11 4 39 4ti 15 2 10 9 8 5 17 7 4 7 5 3 12 11 40 47 12 6 10 13 11 6 4 9 3 3 14 6 41 48 7 10 17 5 6 2 4 10 9 3 15 11 42 49 1 3 11 10 6 3 10 4 12 2 3 17 2 43 49 15 6 11 4 1 6 5 8 4 13 7 3 18 7 44 50 10 3 11 7 5 6 7 6 4 15 1 4 45 51 6 6 11 10 10 6 9 6 4 16 8 4 1 7 46 52 1 7 11 14 4 6 11 5 4 18 4 47 52 18 6 11 18 6 13 7 5 2 48 53 16 6 12 1 11 6 16 5 2 4 49 54 16 3 12 6 5 6 18 9 5 4 9 50 55 17 2 12 11 4 7 1 10 5 7 5 51 56 19 fi 12 IG 10 7 5 4 62 58 2 13 2 4 7 9 1 53 59 4 9 13 8 7 13 54 60 7 8 13 13 9 7 17 2 55 61 11 2 13 19 10 8 1 8 56 G2 14 11 14 6 4 57 63 19 14 13 7 58 65 2 10 15 1 3 59 66 5 2 15 8 9 60 67 5 8 15 15 6 EiAMPiiK. — A person agred 30 may assure £100 at his death, by a single payment of £39 153. 2d., or by an annual payment of £8 l7s. 5d for five years, or £4 18s. 7d. for ten years, or £3 12s. lid. for fifteen years, or £3 Os. 7d. for twenty years. B III II!) i-i- \ m^rritU PROVINCIAL ABBUUANOE OOMPANT. TABLE V. ASSURANCES ON SINGLE LIVES, WITH PBOriTS. Aacendlns SetHe of Prenalnma. Table n Years. Remainder of Life. 15 £ 1 d. 8 £ 12 d. b £ ». d, 2 3 4 £ 1 «. 10 d. 2 £ «. 2 14 d. 3 £ ». d. 3 12 4 16 2 2 13 4 2 4 5 34 1 17 4 2 16 3 14 8 17 2 9 14 2 2 5 7 35 1 18 7 2 17 10 3 17 1 18 3 4 16 2 6 9 36 1 19 11 2 19 10 3 19 9 19 4 15 11 2 7 11 37 2 1 3 3 1 11 4 2 6 20 4 7 10 1' 2 9 3 38 2 2 9 3 4 1 4 6 5 21 6 4 17 11 2 10 7 39 2 4 3 3 6 5 4 8 6 22 6 19 '.' 12 40 2 5 10 3 8 9 4 11 8 23 6 10 2 2 2 13 7 41 2 7 3 3 10 U 4 14 6 24 7 7 2 1 5 2 15 3 42 2 8 8 3 13 4 17 5 25 8 6 2 2 8 2 10 11 43 2 10 2 3 15 4 5 6 20 9 4 2 4 2 18 9 44 2 11 10 3 17 9 5 3 8 27 10 4 2 5 6 3 7 45 2 13 7 4 4 5 7 2 28 11 4 2 11 3 2 7 40 2 15 4 3 2 5 10 11 29 12 3 2 8 4 3 4 47 2 17 4 6 4 5 15 1 30 13 2 2 9 9 3 6 3 48 2 19 10 4 9 9 5 19 8 31 14 1 2 11 2 3 8 2 49 3 2 6 4 13 8 6 4 11 32 15 1 2 12 8 3 10 2 50 3 5 4 4 18 6 10 8 Example. — A person ai i 30 may assure £100 m i m , th, with parti- cipation in profits, by an annual paymer >' T' . N. 1. for the .u^l 7 years, £2 98. 9d. for the next 7 years, auu *3 68. 3d. for the re- mainder of life. NoTi.— The participation in profita is equitably restricted during the first and second periods. BOOniHlI PROVINCIAL A8BURAN0B OOMPAMY. 19 TABLE VI. ASSURANCES ON SINGLE LIVES, WITHOUT PBOriTB. jlacendlng Scale ofPremlams, Table of Annual Premium, payable during Life, on Aboindino SOAti, for ^iturance of £100 at death, without Participation in Profitt. Ag next Birth day. 16 Ist Seven Ycar8. 2d Seven Vears. 1 Remainder ' or Life. 1 Ako next Birth day. 33 Ut Seven Years. : 1 Seven Vuarit. Remainder of Life. £ 18 il. 7 £ *. 1 7 d. 10 £ «. 1 17 d. 1 £ ». 1 n d, £ ^. d. 2 '! 6 £ «. d. 3 2 16 19 1 8 7 1 18 1 , 34 1 12 2 3 4 17 19 G 1 9 3 1 19 1 35 1 13 1 2 b 7 3 6 1 18 I 10 2 36 1 14 2 2 11 3 3 8 4 19 7 1 10 10 2 1 1; 37 1 15 4 2 13 3 10 8 20 1 1 1 11 8 2 2 2 38 1 16 7 2 14 11 3 13 2 21 1 8 1 12 6 2 3 4 39 1 17 11 2 16 n 3 15 10 22 2 4 1 13 6 2 4 7, 40 1 19 3 2 18 11 3 18 6 23 3 1 14 6 2 5 11 ! 41 2 7 3 1' 4 1 1 24 3 8 1 15 6 2 7 4 42 2 1 U 3 2 1' 4 3 9 25 4 5 1 IG 7 2 8 10 43 2 3 3 3 4 It. 4 6 5 2(5 6 2 1 17 a 2 10 4I 44 2 4 8 3 7 4 9 4 27 6 1 19 2 11 11 45 2 6 3 3 9 5 4 12 6 28 6 10 2 3 2 13 8 46 2 8 3 12 4 16 29 7 8 2 1 5 2 15 3 47 2 9 10 3 14 9 4 19 8 30 8 5 2 2 7 2 IG 10 ! 48 2 11 11 3 17 11 5 3 10 31 9 3 2 3 10 2 18 5 49 2 14 3 4 1 6 ■> 8 6 32 10 1 2 6 1 3 2 50 2 10 11 4 6 4 13 9 Example. — A person aged 30 may assure £100 at his death, hy an an- nual payment of £1 88. 5d. for the first 7 years, £2 28. 7d for .he next 7 years, and £2 16b. lOd. for the remainder of life. '* n < m 20 SCOTTISH PROVINCIAL ASSURANCE COMPANY. m TABLE VII. ASSURANCES ON SINGLE LIVES, WITHOUT PROFITS. Short Period Rates. Table of Annual Premiums, for Assurance of £100, if death shall happen within one year, or seven years. I Ago next lUrth day. One Year. Seven Years. Age next Birth day. One Year. Seven Years, 15 £, s. (1. 14 11 £ s. 16 d. 38 £ s. A 1 6 9 JE *. f/. 1 8 10 16 15 3 IC 5 39 1 7 6 1 9 7 17 15 8 16 11 40 1 8 2 1 10 4 18 16 1 17 4 41 I 8 11 1 11 1 19 16 G 17 9 42 1 9 8 1 11 11 20 16 11 18 8 43 1 10 5 1 12 8 21 17 4 18 8 44 1 11 2 1 13 7 22 17 10 19 2 45 1 12 1 14 5 23 18 2 19 8 46 1 12 10 1 15 3 24 18 9 1 2 47 1 13 8 1 16 2 25 19 3 1 8 48 1 14 7 1 17 1 2G 19 8 1 1 2 49 1 15 5 1 18 6 27 1 2 1 1 9 50 1 16 3 2 5 28 1 9 1 2 4 51 1 17 8 2 2 9 29 1 1 3 1 2 11 52 1 19 5 2 5 G 30 1 1 11 1 3 6 53 2 1 6 2 8 10 31 1 2 5 1 4 1 54 2 3 11 2 12 9 32 1 3 1 4 9 55 2 6 10 2 17 3 33 1 3 7 1 5 4 56 2 9 10 3 1 11 34 1 4 2 1 6 57 2 13 7 3 6 9 35 1 4 ]0 1 8 58 2 17 9 3 11 11 30 1 5 5 1 7 5 59 3 2 4 3 17 7 37 1 6 1 1 8 1 CO 3 7 1 4 3 7 fj'l; ExiMPLE.— A person aged 30 may assure £100, if he die within one year by a single payment of £l Is. lid., or if he die within seven years, by an annual payment during that period of XI 3s. 6d. Note. — The rates for other periods of years are in accordance with the above. SCOTTISH PROVINCIAL AS8CKANCK COMPANY, 21 TABLE VIII. ASSURANCES ON SINGLE LIVES, WITHOUT PKOFITS. Tahle of Annual Premiums, for Assurance o/£100, on attainment of HO or CO t/ears of age respective! i/, or at death, should it previously occur. Ak»>»♦ OBo. wiLsbir. •<»*•'•<*. B. B. BBYNOIiOS. "««»««••» iOHN BIDDBIfc namlltoaf ....... ^ j. BBAT. V*m»toa, a. HtUOtT, Js. ■5!!!!"» *41ttW SOOXT TIWB.» uUMrmnn,.. , JOWK MONTGOMBBY >^"««»»M 1lrB[.B0TfilL. nntckou, o, 1^ jsRV{g. 2!f!5I^!!I^ bobbbt baston. Z^^^** *• T. wujuwsoir. "'^^^ " J. M, T. HAKHOM. Owea ■«■»«, mo. i. fpBfRBIfS. S!!!f^'"**» MAITMWD MflOAKrHl'. M«rb«foiis*, J.B. VAI/FON. i!2«!^r:;:: : s/sm-nw b. HBBBnt. nrlAM AlBwV M. G. BOB80K. S"**^ I*AWOM)IS A OI.ASS. ^mnum, .m ALBJLB. SSxypt " ■h«rbni«te,..., B. |»BJJ^i|r I^ION. "^••^ - iVQ. OUBfflS. . "•*"» ...BPWABO CmsiB 2* S^*"*"^ *«<*«' I" HBU-I^BU. 2* JTr!?' »• ^ SMITH. JrJSlZ^^ • ••• ^ ^' MCINTYRB. JE^?"''**^ WILUAM H0PB. **•*•% WM. H. AUSTIW. I?'**^» 6. t. UADBiaaS. 25;*:?»«»*«*» OBO.*H. MAOAULAT. 3*'»**^» • JOHKAOITBW. • W«»o*i«o«i^ JOHN COOHII.J F»rt »0ver, M. A. HATOOCK.