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INFORMATION t'PO.N LIFE AND HEALTH ASSUttANCE. "T'Frdiftfcihe jwfffj«nt the niolher l.iiids the brow of thp intiiiU. to the hour fi^ Jn"Svjtiicli M^rw? kin«a*:j^?liiiM \vip(s the death (hinip Iroui the brow 'W\ \ ■wc.^jxist^i* by luiilual aia."— &> \i . I'cott. 01" ihe 4- w'^ 'n. -,-'..'-v.-'v.-*_^. ,' '^—•s.,-.,.-*^/-'.'- MONTH KAL: TPirtWfifi) BY OwLr:a ^c Stevknson, St. Francois Xavier Stmet. 1 8 5 » . i <0 % -\ ■■■ mi l J Pm gi* nsnmamBm^ ^''■^ ^ c> ^ r-y^/n^^r^nA/- (?^: IS 'i it-^r^^fru.A.'U , , /y I -2.11 BRITISH AMERICAN FRIENDLY SOCIETY OF CANADA, For the Assuranee of Life and Health* {Incorporated by Special Acl of Parliammt.) Charter Perpetual. CAPITAIi STOCK, iC100,000. HONORARY DIRECTORS. F. J. Loranger, Esq., M.P.P. Chis. Daount, Esq., M.P.P. C. J. Labeige, Esq., M.P.P. A. Laberge, Esq. Dr. J. N. Poulin, M.P.P. L. L. L. Dessaulnier, Esq. M.P.P F. Bouiassa, Esq., M.P.P. V. Viiicelette, Esq. Alex. Diifresrie, Esq. P. U. Archambault, Escj. F. R. Tranchemontagne, Esq. L. Desrosiers, Esq. J. G. Crebassa, Esq. L. H. Gauvreau, Esq. M.l). L. E. Dubord, Esq., M.D. J. Trudel, Esq., M.D. A .Brunei, Esq. J. O. Melhot, Esq. L. Lclievre, Esq. L. H. J. J. Duliaut, Esq., M.D. J. H. Ilendeison, Esq. James Ferrier, jr., Esq. Thomas Higgiiison, Esq. H LaRocque, Esq. George Weir, Esq. J. E. Coderre, Esq., M.D. T. R. Jobson, Esq. VVm. H. Chaffers, Esq. P. P. Russell, Esq. J. P. McDonald, Esq. A. L. Graveley, Esq. P. Woodbury, Esq. Wm. Jeffrey, Esq. Robert Harrower, Esq. Edward Hale, Esq. J. McDougall, Esq. A. Logan, Esq. James Boutelle, Esq. J. H. Dorion,Esq. Thomas Shanks, Esq. Officers, Directors, &c. Wolfred Nelson, Esq., M.D., President. J. G. Bibaud, Esq., M.D., Vice-President. Directors. Hon. Charles Wilson. H. T. Strong, Esq. J. G. Bibaud, Esq., M.D. Wolfred Nelson, Esq., M.D. George Browne, Esq. J. H. Phillips, Esq. Joseph Doutre, Esq. Legal Advisers. Messrs. Badgley & Abbott. Consulting Physicians. Wm. Sutherland, Esq.. M.D. | J. G. Bibaud, Esq., M.D. Secretary & Manager. James H. Phillips, Esq. Bankers. Bank ol British North America. "^ BRITISH AMERICAN FRIENDLY SOCIETY m (DilHAIIDAc HEAD OFFICE, MONTREAL, WITH BRANCH OFFICES AT I^UEBEC, Hamilton, St. John, N.B. Three Rivers, London, Halifax, N.S. Toronto, Kingston, St. John, N. F. Chaulottetown, P.E.I. This Society admits on equal terms persons of every class and degree to all its benefits and advantages, and secures advantages to the liv- ing not found in any existing Sociely in Canada, ji protection for all, especially the Widoic and the Oriihan. 23* Local Boards of ^lanagement and Local Committees are esta- blished in nearly every City and Village throughout British North America. PEOSPECTUS. HEALTH DEPARTMEriT. The principle of mutual protection has developed it- suii' throughout the entire civilized world, in the shape A of <* benelits societies." An extensive analysis of these soc -cties or orders which have existed in England and I Fra nee during the past century and a half has demon- I strated beyond the possibility of a doubt, that the prin- I eiples which have been applied with perfect success to other contingencies affecting the science of assurance may be, and have been applied, with equal advantage I and safety to the reimbursement of losses resulting from I the loss of that invaluable blessing to man — health. BRITISH AMERICAN The principles recognized by the society are based upon extensive and carefully ascertained data, and all calculations have been made with a view to the sta- bility and perpetuity of the institution. Upon the "mutual principle," pure and undefilcd, the llealtli Department will be conducted. In the management a strict adherence to the Constitution, llulcs, and Re- gidations may bo expected. The strictest economy will be practised, and all payments and profits will be ad- justed equitably. The business of the Ilcaltli Department will bo to assure parties against "all the ills that flesh is heirtu," bodily or mental, totally d sabling the assured from at- tending to his (or her) ordinary business or occupation. With health our existence is a blessing, without it we are miserable. A man's health is his capital, his reliance, the fundamental basis of every expectation in life, of his independence as a man — the power to shield lliose who are near and dear to him — all, every happi- ness on earth depends chiefly on this inestimable bless- ing ; with it a man is independent and happy ; with- out it he is prostrated, his efforts paralyized — anguish, pain, and pecuniary destitution follow, and the con- sciousness of his own inability and utter helplessness tills the measure of his misery and despair. At such a time the benefits of this Society would be brought to bear — the ready and strong arm of assistance would be extended, and permanent and continued relief afforded, due him by his contract made by the Society while in health, and which he could immediately demand as his right. Can any man rea.sonably hope for or expect perfect health during the tvJtole ter?n of life 1 No, not one. The industrial classes of Canada and the adjoin- ing Provinces, compo; e the stamina of our country, and it is estimated that 9.20 of the entire population are de- pendent upon their daily occupation for a livelihood, which in this prosperous country enables nearly every man to provide for himself and family comfortably. Now the cw/y anxiety of a prudent man thus circum- stanced, is whether he will be enabled to continue his 9 I i FRIENDLY SOCIETY OF CANADA. r» 'e based , and all the sta- pon the Health Jgernent and Re- my will 1 be ad- IJ be to lejr tu," fom at- ipation. hoiu it tal, his ition in :> shield happi- B bless- with- ignish, con- ^ssiiess such a ght to uld be orded, bile in ind as expect o, not -djoin- y,and re de- ihood, every tably. cum- le his I means of support l)y constant and uninterrupted health. This, then, is the abiding and harrnssinq; fear of his bosom. In order to remove it nt. once, he hns only to assure his health (and if possiM ; his life ; the former should, however, be always done lir.st), and he will bo guaranteed support, t^honld a man be so for- tunate as to escape sickness for a long term of years, or even for life, the satisfaction of knowing that hun- dreds, perliMps less ft)rtunato, had been jn'ovided for, an Iho wee I in oil A i for Lifr. ulthy Pf I- iceof Onk lily injury exceediiijL; Qssuretl in ITH THi; OUND. 'e. A;t,'e. 5 '1^) ) 'Z\ ) 22 23 24 26 27 28 29 30 31 32 33 34 Sf) 36 37 3X 3y 40 41 42 43 44 4i> 46 47 48 49 50 I FRIENDLY SOCIETY OF CANADA. 7 Entrance Fee, Ten Shillings Cy^ to hr paid ot ihc time of making Application. The First Annual Pre- mium mmt be2)aid within 20 days from date ff App/ /ra- tion. (Note.) A healthy person nged 30 luwt lurtli dny, hy the payyncnt of J61 5 may socurc One Tound. per week whenever incapacitiited, should such 0(!cur witli- in ont ymr from date of Policy. Again ; The same person (ai^ed 3l)), by the annunl payment of .£1 7 (i for five years, may securt^ One Pound per week, whenever incapacitated, sliould su(?li occnr with in /ar years from date of Policy. Again; Tht? same person (aged .SO), by the nniiiial payment oi" £1 10 for sere ?2 years, may secure Ont Pound per week, whenever incapacitated, should such <;ccur within seven years from dale of Policy. Again ; Tim same person (aged 30), by the aniuinl payment of .jCI 15 for lije, may secure One Pnunn per week, whenever incapacitated, should such o(;enr duri?ig the remainder of life. At age 20, the Annual Premium is UgJu, g\'{vU\\\\\]j increasing to age 50. Rates priyiible by parties over 50 years of ago, niiiy 1)0 learned upon application to the Head (Office in iMon- treid, or at any Branch Office, or Airent of the r^ociety. I'^emales will be assured agairst the same liabilitie?! as males ; but, the amount of weekly benelit cnn in m case exceed One Pound per week. Perfect health and regular habits are essential t<) a proposer, as without these requisites the Society would rnjoct his application. If young, the annual premiui:i will b(; light; therefore parties intending to insure their health should do so without delay, while they are iiealthy and fit subjects to be insured. The instances which have occurred in England and France during the past century and a half since friendly societies hav(^ been in operation are both striking and innumerable. Thousands,nye millions, of families have been provi^^ for l)y their wonderful operations. 8 BRITISH AMERICAN The Editor of the " Insurance Journal " says " friendly societies are the most useful class of societies ever organized for the practical benefit of all classes of society. They have afforded the largest amount of vital statistics eve7' collected together, extending over 3,000,000 years of life." Friendly societies have been for the past century the saving's bank of over 20,000,000 ot persons. It is esti- ujalcd that the accumulated funds of friendly societies in Great Britain alone, will amount to over £15,000,000, and will eventually amount to hundreds of millions of pounds, to be distributed among the unfor- tunate, unprotected, and helpless portion of the community. Every man in good health can avail himself of the advantages of the above table, and thereby secure protection iu the hour of need. It is capa- ble of universal applicatiwn, and if universally adopted, would save every man and woman from want and destitution. Who does not at once perceive the necessity and utility ot this institution in cases of sickness? Who is not abundantly able to secure such advantages at once ? It is destined to save from indigence millions of families, and place them in a state of comparative independence, and, in its de- velopments, afford the attainment of an object the most exalted that man can cont'^mplate. It will remove a great source of wretched- ness and crime; substitute industry for idleness, economy for extra- vagance, sobriety for intemperance, competency and comforts for want and destitution, and dispel from the sick chamber some of the most gloomy anticipations, by the knowledge that nothing will be left undone by the Society to aid recovery to health and happiness. The high cliaracter sustained by this Institution, encouraged and patronized as it is by the first men of Canada and the adjoining Pro- vinces, toget'.ier with the universal approval of the Frcss, is the best «vidence that can be produced, that the society is duly appreciated, and that every member's interests will be consulted. Every man •hould, therefore, vithout delay enrol his name as a member in this Society, which so admirably secures to all so many invaluable ad- vantages. Age ity, stj each vvithoj spectaf case en date be re( isfact( Ag^ HEALTH DEPARTMENT— GENERAL INSTRUCTIONS^ TO PROPOSERS. Parties desirous of affecting assurances in this depart- ment will be furnished witli •' Forms of Proposal/' by applying at the Head Office, or to any of its agents either personally or by letter. Which, when properly executed and forwarded to the Head Office or any Branch Oj^cf, if approved, a policy will be issued on tht health proposed. Policies do not take effect and are not binding, unti. the Premium is paid to the Society. FRIENDLY SOCIETY OF CkHADA. 'ndly societies T the practical t'tl the largest xfendinw over in for the past 'IS- It is esn- I Great Britain ually amount ng the unfor- >^i[y. Every ot the above It is capa- , would save does not at 1 in cases of id vantages at families, and d, in its de- exalted that 'f wretched- ly forextra- L-omibrts tor some of the J'ng will be ' happiness, 'uraged and joining Pro- , is the best ippreciated, Kvery man 'her in this iluable ad- TIONS. Jdepart- sal/' by agents >roperly or an} I on the ?, unti. I TO AGENTS. Agents are expected to look well to the respectabil- ity, standing, and particularly to the state of health of each applicant, and in no case, to forward an application without being himself perfectly satisfied as lo the re- spectability and sound health of the applicant. In no case can a premium be accepted after 30 days from tiko date of the proposal ; nor, can any renewal premium be received after the date on which it is due, until sat- isfactory proof be furnished that the health of the party assured continues unexceptionable, and the consent of this Oflice to accept the premium after such date is of- ficially given. Agents, on receiving a notice of sickness, either ver- bal or w^ritten, will immediately notify the Head Of- fice, giving the name, number of Policy, &c. &;c. ac- companied with suitable rviiaarksas to the nature of dis- ease or disiibility, when a J3lank of Claim will be fur- nished. Claims paid within thirty days after submitted and approved. BRITISH AMERICAN FRIENDLY SOCIETY, PROSPECTUS. The benefits to bo derived from life assurance n.rr indisputably of the utmost impcirlauce,aiul it issratify- ing to observe that its princip'es are Leccmmg diulv more highly appreciated, and its varied nd vantagwe more eagerly sought fur. The public mind has now become settled in the conviction of the excellence of assurance iiislitutlor s, and he who insures his health, life, and pro|ierty is considered a man of business and foresight. Tl^e 10 BRITISH AMERICAN 1 J ! I Ijjt following facts will show that although thousands, aye millions, of individuals are admirers of the system, yet a comparatively small portion have, as yet, availed themselves of its varied advantages. The number of persons whose lives are insured in Great Britain exceed 200,000. The amount assured, and payable at the death of these 200,000 persons, approximates to £170,- 000,000 stg., and the present annual claims exceed j62,850,000 stg. In France there are only three offices for the assurance of sums payable at death, while on the other hand there are a lar^^e number established for assurances payable during the lifetime of the party insured. Within the past 9 years 11 offices have issued rpwards of 400,000 policies and received 97,000,000 francs, and returned 42,000,000 francs in payment of sums assured during the lifetime of the insured. This system has been adopted by this Society, and is now lor the first time introduced into Canada, (vide " Sur- vivorship Assurances"). The number of persons in- sured in the United States exceed 75,000, the amount assured approximates to {|^ 150,000,000, and the annual claims exceed $2,000,000. These results denote an almost inexhaustible field for future usefulness in this dejiartment of the business of assurance. The practice of Life Assurance in Ca- nada has been more limited, but it is ^jleasing to observe that an increased interost in tlie system is manifested daily among all classes. The British North American Provinces oilers as capable a field, and ailbrds as sure (dements for the rapid growth of the institution, and. tlie attainment of as great perfection, as any other country in the world. And it js without doubt the in- terests of Canadians to foster, protect, and patronize their own native national institutions, mstead of being de['endent upon foreign companies for every thing in the insurance line. The unprecedented success of the British American Friendly Society during the past two years is gratifying evidence that the public duly appreciate ami nobly sustain all such enterprises us contain the true elements of success. This Insti- tution forcigil tainabl Amerij As offeree^ Equity nagen:| ment and,fi] improj practi' tury ])een been The I Lifei otlice^ . appU^ tive t it ma expej and, equa" rend* to asi truct trans petu Brai esta favc proi wel estn i «m * to 1 ;. mi; J cet ¥ 3 1 FRIENDLY SOCIETY OF CANADA. U iystem, yet |et, availed number of in exceed le at the i to jei7o,- ^is exceed I'co offices wJiiJe oil [stablished the party f^ve issued ^7,000,000 lyment of eel This '<^1 is now 2f/e « Sur- 'rsoiis in- e amount le annual iWe field ' business ?e in Cn- observe anifested ^nieiicaii ' as sure ion, and ty other t the in- atronize 3f being hing in ce>s of ng the public 'I'prises s Insti- 7 '.a tution offers not only all the advantages oifered by foreign compani'^s lit offers other advuntages not at- tainable in any ot . r institution, either in Europe or America. As proof, we need only refer to the advantages ofiered by the Health Department — to Moderate and Equitable Rates in the Life Department — Local Ma- nagement — Moderate Expenditure — Speedy iVdjust- ment of Claims — High Rates of Interest on Money — und, finally, to the liberal introduction of all the modem improvements in the science of Life Assurance as practiced at the present day. For upwards of a cen- tury and a half the principle of Life Assurance has been gradually developing itself, and its soundness has been confirmed by the sure test of practical experience. The present state of society absolutely requires more Life Assurance Societies. Po])ulation is daily increas- ing, and the science, as usually applied by existing ofhces, causes the inquiry, — Does the system, as usually , appliedjolier to the public advantages sufhcieiitiy attrac- tive to warrant universal adoption ? if it does not, tiieu it may bo well to embrace in a new institution all that experience has proved to be useful and advantngcous, and, in addition, other more comprehensive features equally secure and advantageous. With a view to render the science as complete as possible, and to give to assurers a provision thai is inalienable and iiides- tructable, and in other ways to render the various transactions undertaken certain, secure, stable, and per- petual, as well as comprehensive and useful, the Life Branch of the Jiritish American Friendly Society was established. It commences its career under peculiarly favorable circumstances, being closely allied to, and promoted by, a large Health organiz>ition, with well organized and effective agencies already established throughout British North America. This must be viewed as a gigantic auxilinry, requiring only to be stimulated into activity to produce results at once mighty, lasting, and beneficial. This large and unpre- cedented list of members forms an ascertained con- 1 r 33 BRITISH AMERICAN ■■>»" centration of influence and co-operative iuteresta, se- curing the most unquestionable responsibility, and at the same time the most powerful leverage for develop- ing the principles of Life Assurance, rendering an in- vestment in it secure and desirable, either as an assured member or shareholder. It proposes to accomplish in life business that which it has accomplished in health business, viz., to give to all persons connected with it, either as assured members or shareholders, the largest amount of practical benefit. To obtain a vast consti- tuency whose ramifications of influence and connec- tions shall embrace parties in every station of life ; to introduce new principles of practical utility, affording to the assured in every possible manner such friendly aid as to secure those substantial advantages in a man- ner that cannot be estranged or destroyed. el f I III I ADVANTAGES OFFERED BY THE BRITISH IMERICl?} FRIENDLY SOCIETYt LIFE BRANCH. ]t will be seen that the following items include almost every benefit offered by the system of Life Assurance, and the attention of the public is, therefore, with the greatest confidence directed to the advantages offered in this Branch, knowing that experience has proven them to be extensively and unequivocally be- neficial to the public. CAPITAL OF THE SOCIETY. The capital stock of the Society is JG 100,000 currency, divided into 10,000 shares of £10 each, and will, with the Premium Fund, constitute a stable guarantee to po- licy holders in the Life Department. DETAILS CONNECTED WITH SHARES. 1. The entire capital stock inclnsive of any real es- FRIENDLY SOCIETY OF CANADA. 13 ve interest*, se- isibility, and at 3ge for develop- sndering an in- er as an assured accomplish in •shed in health nectcd with it, ers, the largest a vast consti- 3 and connec- ion of life ; to ility, affording ' such friendly ges in a man- d. D SOCIETY, ems em include of Life is, therefore, advantages erience ha^ ivocally be- currency, will, with mtee to po- ly real es- ■i tate, which the Society may have or hold by virtue of the Act, 18 Vic, Cap. 61., is £100,000, divided into 10,000 shares of JEIO each. 2. The first instalment or deposltc, is Ten Shillings per share, without the probability of a future call beinir made or required, the remaming £d 10s., will be made up by additions accruing from q^uinteiinial profits and bonuses. 3 The holder of five shares, is entitled to one vo(«% and an additional vote for every additional five shares held by him, and no liability beyond the amount of his or her shares. 'k Interest is payable annually, at the rate of j£5 ipcT cent per annum, on all paid up Capital; and share- holders are furthermore entitled to participate in the profits, after the rate of X25 per cent, until the ulti- mate amount of profit in the Life Department shall be sufficient to pay off the shares in full, after which, and as soon as the reserved fund exclusive of accumu- lations, amounts to je20,000, as provided by the Act, 18 Vic, Cap. 64<. Sec. VII. the Society will be declared " purely mutual," and all subsequent annual surplus divided equitably among the members. THE ASSURED, Upon the participating scale of premiums, are at every quintennial division of profits entitled 1. To a sum applicable at option, either as an addi- tion to their policies— as a diminution of their premi- ums — or as an immediate money payment after tliu rate of £50 per cent. 2. To a sum applicable as a relief fund after the pay-t ment of five years' consecutive premiums, either t<» themselves, their widows or orphans after the rate ul £10 per cent. 3. To a sum applical)le to the ultimate conversion of the Society, into a "purely mutual" one, when all its affairs will revert to and be vested in the assureu after the rate of £15 per cent, and the remaining onk fouTlh among the shareholders. In proof of the vast results to be achieved by Litt* 11. Mi ii % U BRITISH AMERICAN i: Is > Assurance Societies, it may be stated that three offices ill Great Britain divided among their assured members and shareholders, as tlie clear surplus gains of livo years' business, sums respectively exceeding £150,000, £170,000 and £300,000, whilst many offices attain even much greater results than these. The three difierent descriptions of Assurance Socie- ties may bo arranged as follows : — Proprietary, where the profits are a])portioned among the sharc^holdcrs ; Mutual, where the whole profits are divided among the assured ; and Mixed, where they arc divided partly among the assured and partly among the share- holders. There are many able advocates of each of the above systems, all equally secure to policyholders, among whom, for the general theory of Life Assurance, we have the works of Euler, De Moivro, La Croix, Laplace, and others ; and for the j^ractical apj)lication, the writings of Morgan, Baily, Milne; Davis, Gray, Tucket, AnseJ, Price, Jones and many others. As a profitable investment of capital, the institution of Life Assurance has no equal in the commercial world, and one instance mentioned in a very able arti- cle on Life Assurance, extracted from " Chambers's Journal,''' will prove this indisputably. The writer remarks — " In one instance under our immediate no- tice £10,000 of paid up Capital, now stands after seven- teen years' business, at the vahie of £70,000, in the stock market, being £600 per cent of premium." Professor Do Morgan, _ one of the best authors on Life Assurance, observes, " that there is nothing hi the commercial world which aj^proaches, even remotely to the security of a well established and prudently ma- naged Life Assurance Ofiice."'' ' Wentenhall's price current, published by authority of the Committee of the London Stock Exchange, un- der the head of " Assurance Societies" says, " That not only is the amount of capital originally embarked ill assurance undertakings, greatly and materially en- hanced in value, but that the yearly rate of interest or divl tol obt^ me? stn3( ten pre] n by Friendly society of Canada. 15 ' three offices f«cl members ?ains of fivo ng £150,000, « attain even ranee Socie- rARY, wliero larohoklcrs j t^ctl among irc divided r tile share - ^'tlie above ongwhoni, e Jiavc the t)lace, and G Writings ^ct, Ansei, institution 'mmercial able arti- lambers's le writer bate no- 'r seven- ^, in the 1." hors on S in tile otely to iy ma- thority ?e, un- ' That ^arlced iy en- •est or dividend paid upon it is greater, saler, and less liaiile to liuctuations, except for improvement, than that to be obtained in almost any other description of invest- ment." The business of the Socictij embraces Assurances on single lives with, or without, profits, during the whole term thereof. Assurances for short pe/iods 1, 5, or 7 years. Assurances, 2)(^yi^^(^^^t^ ii^^'^ited to a given number of premiums. Assurances on " two joint lives.'' IJndon-me?it Assura?2ces payable to the party insured u his attaining the ages of 50, 55, 60, and 65, or to his representatives in the event of his dying before. Accumidative Assura?ices securmg an amount certain by single payments, now universally adoi)ted. Fishi7ig Voyage Assurances adapted to Coast rmd Bank Fisheries of Newlbundland, Nova Scotia, Prince Edward Island, and Labrador. Assura?zces against Paralysis, Blindness, Insanity, Kailroad Accidents, and other bodily or mental afflic- tions totally disabling the assui'ed — the connecting link between Health and Life Assurance. Assura7iccs payable at the expiration of any number of years, not exceeding 25, (ivV/e General Investment and Accumulation Table). Survivorship Assurances on the Tontine or French system, now first introduced into Caniula. Assurances may be effected in various ways not enu- merated to meet the convenience of parties, for rates u})ply at the Head Office. Loans in connection with Life Assurance. RATES OF PREMIUM. In addition to the important and practical features, peculiar to this corporation, the rates of premium cal- culated and prepared from data — the correctness ol which has been tested and confirmed by the success ot long standing and distinguished offices, arc at the same 16 BRITISH AMERICAN I'^l' m time lower than almost any others hitherto publishetl. This is owing to SMALL CHARGE FOR MANAGEMENT. The expenses of the office being borne in due pro- portion by the two departments. The constitution of the Society is that which eX|)erience has shown to he the most conducive to the interests of all parties, and the most moderate scale of charges consistent with the safety of the assured, and all connected with this cor- poration, have been adopted. These rates apply only to select lives, to persons in good health, and of un- doubted constitutional stamina. DISTRIBUTION OF PROFITS. The first periodical division of the profits on bonus policies will be declared attl>e expiration of every five years. The profits will, at the option of the assured, be added to their policies by way of bonus, or applied in rednclion of future premiums. The representatives of members who have died between the periods of in- vestigation will bo entitled to a share of the profits up to the time of death. PURCHASE OF POLICIES. The Society will always purchase Policies at thei- equitable value, or will grant a. new policy in liei thereof without any further payment of premium. roUij fee rent -^'ith al to the »lrit*.- duocd.l FOI. I TUi!| "^princii] been Uueliij shall be inJi less SI tion. Pre stance a Pol possib alwa TRANSFER OR ASSIGNMENT OF POLICIES. Every facility will be given for the transfer o assignment of policies. Forms furnished and registered without expense. SPECIAL PRIVILEGES For travelling and foreign residence granted oii liberal and moderate terms. A mor and tim ma' the bei •^-^--!Jt-*-j*(r--''--«^^ ■■■.i^"-*W-5- T, ^iiblishej. t^ue pro- itution of »wn to Ix^ '■ties, and with the this cor- P'y oniy I of u,j. ery five assured, applieci itatives J of in- >iits up thei. I lie I » .^IKNPLY SOCIETY OP CANADA. LAPSED POI.ICIEfl. Polu'ics lapsed hy non-payment of the premium mny bf renewed within thirty days by paying tlie premium, with a fine often shillings per cent ; provided evidence to the satisfaction of the Directors of tVie unimpaired sfatt! of the health of the life to be assured be pro- duced. POLICIES ON THE LIVES OP SUICIDES AND DUELISTS. I This Society acknowledges, and will act upon thd principle, that all the premiums which shall have been pa.d on Policies becoming forfeited by reason ot Dueling, Suicide, or death by the hands of justice shall be returned to the survivors. To offer more would be injurious to the assured and to the Society ; to olTcr less seems uuwortliy of a just and honourable institu- tion. VITIATION OF POLICIES AVOIDED. Prt^miums for assurances suitable to special circum- stances, will be received, to enable a party possessing a Policy on the life of another, to guard against the possibility of its being vitiated by reasoji of any cauie^ always excepting fraud and violation of conditions. PROMPT SETTLEMENT OF CLAIMS. ^r o ierei Oii All claims upon polices will be paid within threo months after satisfactory proof of death is furnished, and such other information and evidence respecting the time, cause, and manner of such death as the Directors may require. The Directors reserving to themselves the power to discharge any claim immediately on its being established. ,jS 18 BRITISH AMERICAN LOANS ON POLICIES. frC<|l^^'^^1 Loans may be negociated by persons holding policiciieitatG, cl for the whole period of life to the extent of one-hall oun^briu ike annual pr(Miiiums paid, or, by agreement, for thiolher^sl full amount of its ofhce value. CHOICE or AUDITORS BY THE ASSURED. OliriH?; I Any policy holder who shall have been assured with jp case the corporation for one year to the amount of J£100(), chnscr < and not less than jCjOO, for life on the bonus scale of %\\c, deo premiums shall be entitled to vote fur the appointment en 'i ^^^ ^1 of an auditor who may watch over their interests and luunt oi enforce the impartial application of funds appropriated nffordiu for their benefit. MEDICAL REFEREES In all cases remunerated for their reports. COMMISSION To Solicitors bringing insurances to this office allowed. C^ Active and influential persons %vill be appointed Agents in places ivhere the Society is not already represented. .J^ ivinryWl one indl death ol ,vmnfo\ FOR, WHAT PURrOSES THE SYSTEM OF LIFE ASSURANCE IS APPLICABLE. It is applicable, to the several purposes of raising money on loans ; of making and perfecting marriage settlements, in eases where a man, possessed of no for- tune but ot a good annual income can only accomplish the object in this way ; of securing the eventual pay- ment of debts due to individuals or bodies of creditors, thus a debtor who is unable to satisfy the demands of his creditors immediately, but who may have the means of liquidating the amount in a certain time, should he live so long, may by the aid of a temporary Insurance on his life, ofier a satisfactory arrangement. The serious consequences of insolvency may in this way FRIENDLY SOCIETY OP CANADA. }9 cl ntrr iyeqnonlly he uverted. Tt ena])le.s proprietors of real Poljciooegtrito, chiirged with mortgat!;c.s, portions, or otlicr en- t>x one-haJicun)hrfiiiees,pnyal)k> on the termination of their own or 'it> tor the other's lives, to answer the ehari]fes whfMi (hie ; of se- onrinp; to jiarents the return of moneys paid as premi- ED. Hms ibr Ch'rksliipor Apprenticeship, marrini^e jiortions. ssiir 7 • capital advanced, or other advances made for eliildren. of £in^^^^ ^ ^^^^^ of premature death ; of reimbursing to the pur- n ^^OOO, chaser of any life estate, or annuity; his j)rincipal on )no"^^^ 0^ tlu! death of the person, during whose life it was hold- pointtiieiit terests ancf ^Pfopriaterl ^iis office ^s tvili be ^^y is not >J^ LIFE carriage f'nofor- ompJish lal pay- editors, mds of ve i\i^ porary s way en; of rendering contingent property nearly ecpial, iii jioint of seeurity to al)solute property, and generally, as fiiforJing means of certain indemnity airaiust any pecu- niary loss, claim or inconvenience whatsoever, to whicii one individual may become subject by reason of the death of another, and, lastly, for making an amj)lc pro ' visnn for surviving fricnch. CLASSES OF PERSONS TO WHOM IT IS APPLICABLE. The Opulent and 2^crso7is of distinction ought to adopt it univcrsallij, if for no other reason but the phil- anthrophic one of giving it the force of their example. It is not a tax, but on the contrary., it is a profitable in- vestment, and their example would tend to encourage jtrudence and virtue in others. To active business men, Life assurance appeals as a. ])rudential measure, as not more than five in a hundred of the business men of the world — merchants and tra- ders — ever attain independence. The greatest man on 'Change to-day, may have the least " change t(»- morrow. To men in the middle imlls of life, it appeals forci- bly, men of industry, who supi)ort their families com- fortably, but who lay up little or nothing at the year's end. These classes constitute by far the largest por- tion of the w^orld. — Cleruvmen, LaAvyers. Judges, Phv- siciaus, Farmers, Merchants, Traders, Speculators, Mechanics in every line, Artists, Teachers, Editors, Clerks, and Salaried men, are among this class. By this admirable mode of making provision for old age. 20 BnrilSH AMKllICAN or ftT a fjiniily in the event oftlie doalh of the pat(*# ''"'.'' nal lieiul, not one witlow or hcIpU-ss child vv«»ulcl J^^\\''^^'J left destitute. The nssiirnncc^ money would go jii*^ where it would Ix^ most needed, and just at tlie riiiK lime to coMscle tlu' hereaved, to erown the ii\( inory the (h'|vjrt(Ml wiih \o\'o, and iJiriitilnde, and to secure tj the living the re!<[)ect ot'thc world. Assurances .should be effected ivithont delay. Ki It I ^\ 10 ar liuiry 5om ics el ||Ccd Ulj T^eeatise, it can on?^/ he done while in i*ood health^ *" .' perfect heultii and roijnhir habits Ikmii?^ essential to "ff*^^" ' j)roposer. Those intiiidin^ to assure bnt procrastinate, ¥*^ ■ waitini^ for times to become ensy — next wee' ^^^^^ ' ^ or next ye;ir — or U!itil their salnry is raised — or unt , '^'^ * they receive a lei^aey, ami the like wiprnvident excii-i^YVr ues, lire reminded ot the policy of immediate acLi'jn, and * ' the folly and peril of such procrastination, as thoso events may be remote, nnd you prevented by adverse circnmstances — or by a parched tongue — fevered brow — quickened pulsft, unexpected disease, or unfore- seen accident, from doing that which can be done while in good health. If young, the annual premium will bo auso child Would lOfii tiioiiuiit nncl rc'll(ct,u!skii]S^ lumsull tliiSL'qur.stiuris, ^v'oiild fTQ j(,,»Jrl slioiilil clii; to-ui^litur witliiii a\\c( k, would fhoMJ "•"^^ uf. tlio rjnujjio Jir) iU';iY tu iik; by i\w ticsoi Ki)ulrcd, Ln sjii<> from ^''G JfU'iTioryAuiry ami want? VVould my wife, tlic |»urtner of my "<^i to iseciire tB^nn lu^iiidipeudcnt o( tho coki and uhhk rc'il<>:scliur- ijes uftlio world ? VVould inv cliildicn have a curiifor- ^^7, t||M»' InHiic and tlie moans ot cdiicaticHi ? Would my ^^!/' $^('d and iulirni parents be provided for? A\'ould my 1 n^Ofl /icaithM^'^^io IKi f )iy debts? VVouUl there bo no sacrifice of t'sscntiaJ to ;;ff^I'*^'''l ''/ forced sales, to meet the d?niands of credi- procrastinntc,fi>'^^' ^'^ " Um^i when thn market ten Is downward and -next wofitiir !»r!c "S cannot \n'. realized I" ll'tlie answers should i«r(| — n|. i,^, l;e nnsa'islactory after tlii.> s»'lf-investi^ation, fiilo As- 5Wc/r<*;^ CAoi,. v'lranee will S(jon make tliem |)erfectly .satisfactory, ^c act/on, and ^'^"•' ii*-'ii"J!> J^r^ u,l hand, and ff cas-t/ access tu all. ?^' iis tho.so evercd brow or iin/bre- LIFE DEPARTMENT. "done while ^ncl folJy 0/ "^^rated, of 'e proposal, mnn, who, ^here pnr- thjn a fei4, and thou- "re parties > •^■B'-/ ranee, i *' I noes, ^^ delay ^ es of pre- s of Ure eiJected /o% of be madt '10 IMIOPOSERS. I'arlirs desirous of eflectinii' an assurance will Ik? i'lirnislied uitli forms of a}i))licatiou by a)'plying at the Head Ullice of the .Society, or to any of its agents, either personally (.»r by letter. The ajiswers to the set of questions contained in the applkalum (Form A.) should be given wiljj care, and sufficiently lull ai.d explicit to present all the informa- 'ion '"quisite for forming a correct tjpinion arid dicisien upon the case. This is highly important, as the con- tract with the Society is based upon this document. The sett of (juestions contained in forms B. and C. nuist bo answc red by your usual medical atte?idant hud friend, and when properly executed and forwarded to the Jlead Office, Montreal, if approved, a policy will bo issued on Uie life proj[K>sed. .).) BRITISH AMERICAN Policios do not take efTcct, and are not binding, until the premium is paid to the Society. TO AGENTS. Agents are authorized to receive and transmit pro* |)osals for Life Assurance, and premiums paid to them. In no case, under any circumstances, can any agent accept a premium after thirty days from th^ date ofthepjoposaly nor any renewal premium after the date on which such may be due, tintil proof be furnished that the health of the party assured continues unexcep- tional, and the consent of this office to accept the pre- mium after such date is officially conveyed to you. The only evidence upon which this (Consent can be granted is the certificate of our medical examiner, whose fee must be paid by the policy holder. Under 7io circumstances whatever has any agent au- thority to grant or to promise leave to a party assured to go beyond the prescribed limits, or to waive any condition whatever contained in the policies. Blank forms to be executed in proof of claims will be furnished on a death being reported l)y any accre<.lite<:l agent, the jxjlicy being at that time in ibrce. TO MEDICAL EXAMINERS. The medical examiner must fill up his certificate, on the proposal, from a thoiough personal examina- tion of the party whose life is proposed to be assur- ed, and to reply to all the interrogatories in a brief and distinct manner, especially to describe the action and qualities of the heart, and the rate and qualities of the pulse, and to his " opinion of life," to give a decided and unqualified opinion as to advising the acceptance ot rejection of the proposal. AH advanl knowll should! merell easily! is, sha| albeit provisi] tives, mediuti pendin| heard sure, a gratify ot two divider child cold ki or pro\ devole( nant w sicknes protect seven y die wit Inlh — whe floating often d herself she bri fection brutal of proj duty, 5 tale ot regreti den af fant fr on the dence- her so subjec that 11 every that r to tha have If^niENDLY SOCIETY OP CANADA. 23 nding, untii •ansmit pro- ns paid to es, can any om til a date ^ter the date e furnished Bs unexcep- spt the pre- to you. sent can be examiner, !r. ' agent au- ■ty assured waive any es. Blank f^ furnished agent, the ertificale, examina- be assur- n a brief he action ualities of a decided jceptancc BEAUTIFUL EXTRACT. All men of education and reflection should ponder well upon the advantages of Life Assuiance, and should promulgate their acquired knowledge throughout the whole circle of their acquaintance. They should remember that it recommends itself in many instances not merely as a measure of expediency, but as a bounden duty — a duty easily discharged by the payment of a moderate sum. The question is, shall the married man trust the comfort of his family to a chance, albeit a promising one, or is he not rather bound to make sure of a provision as far as he can for his wife, his children, his helpless rela- tives, for all those dependent upon him for support, and, through the medium of Life Insurance, assure an adequate provision against im- S ending poverty and irretrievable distress 1 How many men have I eard say, " Yes, but I want to insure for a large sum %chen 1 do i?i- sure, and it is not convenient now;" and so, because the man cannot gratify his vanity and pay the life premium on $10,000, at an expense ot two hundred dollars per annum — receive an eighty per cent, scrip dividend and give a promissory note — he dies and leaves his wife and child houseless, sorrow-stricken, and broken-hearted, thrust on the cold kindness of quasi charitable relations, without a cent to bury him or provide food for themselves — and this, because he, the loving and devoted husband, would not make even a temporary provision, conso- nant with his circumstances, for the wife who had been his nurse m sickness, his friend in distress, and whom he had sworn to cherish and protect— and by the payment of twenty or thirty dollars annually for seven years,secure two thousand dollars for her use, provided he should die within that period ! In those solitary hours when woman is left to her own reflections — when the busy and bustling husband is stirring wilh the world, and floating on tne stream of an imaginary prospective aflluence — how often does the future present itself to her view, unselfishly as regards herself — but painfully absorbing as regards her offspring ! How can she bring the subject to her husband's notice without startling his af- fection, or in many cases without subjecting hersell to a bitter and brutal insinuation 1 Her delicacy — her affection revolt from the idea of proposing to him the necessity of that which she feels to be his duty, and which he should be the first to suggest. She listens to his tale ot future wealth and independence, of speculative thousands, and regrets to think that a paltry sum is withheld, which, under a sud- den affliction, might be the saving of herself from destruction, her in- fant from a bleak and dreary childhood. The husband, it spoken to on the subject, often mistaking his wife's delicacy — his wife's diffi- dence — his wile's dislike to allude to a period which must bring to her so all-absorbing a loss — will declare that he ^^has spoken on the subject, and has been requested never to mention it again." Strange that ma7i, who owes to his wife the chief charm of his existence, the every- day comfort of his life, should be able to look heartlessly to that period when their last parting shall take place — when removed to that world where, to him, all is hope and consolation — he shall have wilfully left her in darkness and desolation, steeped in poverty 2i UniTISH AMERICAN Had wre'.chedaess, to struggle with the harj jiuttce of a hard-hamled world. Let woman speak lor woman — let each urge the other's claim, and njake selfish man comprehend that he has a conscientious course to 1'ijr.su■ PREMltJM PWAISLE. Phkmium Payahle. > Q> ra One Y ear. Seven Years. Age nexl Birthday One Y ear. Seven Years. 20 17 3 18 7 41 1 5 3 1 7 3 21 17 7 IS 10 42 1 6 1 8 4 22 17 11 19 1 43 1 6 9 1 9 6 23 18 3 19 4 44 1 7 6 1 10 6 24 18 1 19 7 45 1 8 3 1 11 7 25 18 11 19 10 46 1 9 6 1 13 5 26 19 3 1 47 1 10 9 1 15 3 27 19 <*• < 1 6 48 1 12 1 17 2 28 19 11 1 9 49 1 13 6 1 19 1 29 1 3 1 1 1 50 1 16 2 2 1 .30 1 7 1 1 5 61 1 16 11 2 3 4 31 1 11 1 1 9 52 1 19 1 2 5 8 32 1 1 3 1 2 1 53 2 1 3 2 8 8 33 1 1 7 1 2 5 54 2 3 5 2 12 34 1 1 I! 1 2 9 55 2 6 3 2 15 9 35 1 2 3 1 3 2 56 2 9 2 19 6 .'56 1 2 8 1 3 9 57 2 12 3 3 3 3 37 1 3 1 1 4 4 58 2 15 7 3 7 9 38 1 3 6 1 4 11 59 2 19 3 3 12 10 ;{9 1 4 1 5 (i bO 3 3 3 3 17 11 4J 1 4 6 1 6 2 By these rates, a person aged 30 next birthday mdiy , j^rovided he die viithia the term of one year, secure al his decease the sum of ±"1000 ty., by the i)aymeui of £15 5s. lOd., or may secure the same turn by the Annual Payment of £10 14s. 2d., provided he die withtn the period of t^even years. 28 BniTisir AMiuiirAN Table D. LIMITED NUMBER OF PREMIUMS. Tills emlirnres ibe Rfifcs df Premium for Asr^nriiifj liin Lift! of dliedltlij' pcf' son for till' wIuiIm icrin tluTcof in liin siiiri Of XIOO, Prciriiinii payabli^ citlHT in a Fiiiiflc siiiri. or in 3. 7. 10. If), or 20 Jiinniiil pityuii-iits. at the option o( the ti*sured, aliur which llKipaynitiiis will ccuhi; I'liiirely. Without Profits. 4j 75 20 21 22 23 2i 25 26 27 28 29 ao 31 32 33 34 35 36 37 3S 39 40 41 42 43 44 45 46 47 48 49 50 3. Preiniuiiis payuhle only for 10. 29 15 30 (> 30 16 31 6 31 17 32 7 32 IS 33 9 34 1 31 13 35 6 36 36 13 37 7 38 38 14 39 9 40 4 40 19 41 14 42 9 43 4 43 19 41 14 45 9 46 4 47 1 17 19 48 16 49 13 50 10 II 11 11 11 12 12 12 12 13 13 13 13 14 14 14 14 15 15 15 15 16 16 16 3 9 8 1 12 6 16 11 1 6 6 11 10 10 15 10 10 5 10 10 10 15 10 10 5 10 10 10 15 10 1 9 7 8 13 7 19 6 7i|17 8,17 o 11 17 3 9 9 11 1 3 5 8 15 2 1 9 2 16 3 3 4 10 6 5. 6 19 10 7 2 7 7 5 4 7 8 1 7 10 11 7 13 9 7 16 11 8 1 8 3 3 8 6 6 8 9 9 8 13 8 16 3 8 19 6 9 2 9 9 6 9 11 8 9 15 5 9 19 2 10 1 11 10 4 8 10 8 5 10 12 2 10 15 11 10 19 8 11 3 5 II 7 10 11 12 4 II 16 10 12 1 4 12 6 10 3 6 8 10 12 14 16 19 1 4 6 8 11 13 16 11 i 3 0' 3 1 4 2 4! 61 10 3i H, li 4 6 18 7 1 4 7 10 13 16 19 1 4 7 8 11 8 14 8 17 9 9 4 6 11 4 9 o 7 6 6 4 3 2 1 ll lO 10 1 4 7 lO 2 17 18 1 3 6 H ID 12 n 16 18 1 3 6 8 10 12 14 17 2 4 6 8 11 13 16 18 2 !» 4 11 7 3 7 10 8 4 2 1 11 10 2 4 7 10 I 4 7 11 3 8 2 8 2 8 15. »0. 2 18 2 2 9 10 2 19 3 2 10 9 3 1 2 118 3 1 f> 2 12 7 3 2 6 2 13 6 3 3 7 2 14 6 3 4 !» 2 15 9 3 6 2 17 , 3 7 3 2 18 3 '3 8 6 2 19 6 3 9 9 3 9 3 11 2 3 2 3 12 7 3 3 3 3 14 3 4 7 3 15 5 3 5 11 3 16 10 3 7 3 3 18 6 3 8 8 4 2 3 10 1 4 1 11 3 11 6 4 3 8 3 12 11 4 5 3 14 4 f 7 <» 3 16 ■1 8 11 3 17 8 4 10 8 3 10 5 4 12 5 4 1 2 4 14 4 2 11 4 16 7 454 4 19 4 7 9 5 1 5 4 10 2 5 3 10 4 12 7 5 6 3 4 15 K >• CS iJ 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 33 39 40 41 42 4;i 44 45 46 47 48 49 60 By the above rates a person, aged 30 next Birthday, may at his decease secure to his family and survivors the sum of XI 000 by the single payment of £353 8s 4d, or by 3 annual payments of £] 35 8? 4d each, or by 5 annual payments of £84 17s fid each, or by 7 annual payments of £63 5s each, or by 10 annual payments of £47 iis 4d each, or by 15 annual payments of £34 17s 6d each, or by 20 annual payments of £30 7s 5d each, at expiration of each ot which respective terms all payments will entirely cease. This botli a able at Thi^ rest ot captta most ui its niea whicht blv pn wiielrii selves, cable t are, in o 0/ (/) O ru O > -^ - ^ bo S t; = < = 2, "«■ ^ o s ^ CO ^ J a; o < % -a I K i? I ^ a- 'J < •= O) s iJ— "O ^-« ^^ *-*~t V) u w J OJ tt < H tthofiltlij' pcf' \'i\\A(: citlitT ill option of the >^ >. u rt c '^ SO. fj -nK 2 9 10 20 2 10 f» 21 2 118 22 2 12 7 23 2 13 « 24 a 11 (i 2;) 2 l.'i f) 2« 2 17 27 2 18 3 28 2 19 6 29 3 y 30 3 2 31 3 3 3 32 3 4 7 33 3 5 11 34 3 7 3 35 3 8 8 3(i 3 10 1 37 3 11 G 38 3 12 11 39 3 11 4 40 3 IH 41 3 17 8 42 i 10 o 43 I 1 2 44 1 2 n 4.1 1 5 4 4« » 7 9 47 I 10 2 48 12 7 49 L 15 60 may at his 000 by the of £135 85 h,or by 7 mts of £47 h, or bv 20 h of w hich miLNDl-Y SOCIETV OF CAXAD.V. 29 Tnlile E. TWO JOINT LIVES. This (iesc'iiption of Assiiriuifu luis rejiiuci to two lives wliich are botii asauiial niiilor one I'uiicy so llmt llu; arnoiiut shall becutiio pay- abli> at the (it-alli of the first of them. This Tahio is of 'he hii^hest service in its application to the inte- rest of pai'ti»s in trade, and to others who iriay have eniharked their capUal or skill, in pailneisiiip, and are di'pt'tidenl lor snccesson that most unceitain of all nuiiahiiities. the oUiation of human Iil'e ; as by its means policies luay he eJlected to be paul at the death ol'the tirst wiiichever it may be, and thus the concern or investment be infitlli- blv prctec'cd Irom ruin or inconvenience, by a sudden and over- wiielminij withthau al of capital. Hushaiids and wives, also, may, uith sireat advantaj^e to ihem- selves, have recourse to tliis btnciicial table, which is eqnally appli- cable to iniHimerable cases in which the inteiesis of many p,ei.:ions are, in various forms, involved in the joint continuance of two lives. .r: -a o o o tfi s o o o < s r. c: TO '^ - .x I -z 'c >^ <•- «— '-_i- y- c"- -t I': t-- ri cc c^ '^^ 'o • 1-; •r: i-i .^ '— ' '^ f'- 1~- i- X O — I T O -T cc r: .1 -^^ c^ o QO • • -4. -* ,«^ irs ,<-> \r\ r^ is — ^^ ■/J a J - — . C I— I — 'T —> 1-; oc •- © pi o o "' K i? 5: ;5 o O "-^ CS •T' 00 -f 1-:: J- T- r: r'T r'* "TC '"'^ "^ O 00 O i^ - • — C6 o <~. _. a> ~ «'/; O ^ *— sj u o; 4.> -n <•,> >> o CJ C5 CJ > if o o < I-- c: CO fc o a c o Al>|M(l.UCJ j)XdU vi.oY O^ __. o o o m o ir; c i*:' o ; CI Cl rO CO T T o O 'w t CJ •' ■ri ,j|; dJ ^ . -^ *- ^ •« o ?: O OI v. o t/; I/; (rt o c c M !>i -*> C3 C i? o s ■.-' O Ul C-; •— • fi C^ »> v-b ..w > 1^ Oi ■.-» tn C.I rO ri ■- o ^ -- j:: o bD to C5 cs 3 CJ ^^ r* ■ — — C) C 5 ? ..a 30 BRITISH AMERICAN Table F. ENDOWMENT ASSURANCES. As many persons while in the vigor of life and means may be desirous from prudential and considerate motives to secure a provi- sion not only lor themselves, should they attain an advanced period of life, but also for their families and survivors, in the event of their decease previously, the following scale, called the " Endowment As- surance rate ot premiums," has been constructed, embracing every age from 20 to 65, and will be found upon examination a highly advantageous and useful mode of investing and economizing money, by a timely recourse to which great beneiit may result to individuals and families. TABLE of the Annual Rates of Piemium for securing £100, either to the Assured himself, on attaining the ages of 50, 55, 60 or 65, or to his representatives in tne event of his dying before. = "3 50 55 60 65 ^m 20 2 14 2 5 5 1 19 8 1 16 9 25 .3 9 5 I 16 5 2 8 1 2 2 9 30 4 13 3 12 2 2 19 6 2 11 6 35 6 12 1 4 15 3 3 14 7 3 2 7 40 10 12 7 6 15 1 4 18 4 3 18 9 45 • • • • 10 13 2 6 16 3 5 1 4 50 • • • • • • • • 10 14 10 7 1 55 • • • • .... • • • » 11 5 6 By these Rates a youug man, aged 30 next Birthday, can by an annua'. T^Lysjent of JtI4 17 6, secure to himself 500 on attaining the age of 60, or leave the same amount to his family in the event of his living so long ; or a young man, aged 20, can secure the sum of £500, payable on his attaining the age of 50, by the annual payment of only £13 10. Again, a person, aged 40, if desirous to realize the sum ot £1000, either to be paid to himself on attaining the age of 60, or to revert to his family or representatives should he die within the term, might with ease accomplish his wishes in this office by the annual payment of £49 3s 4d. By this mode of assurance (one of the most valuable in the whole scheme of Life Assurance) a double object is secured, and a double contingency provided against, viz., if the assured lives he receives the reward ot his prudence and fore- sight, and if he dies his ""presentatives are benefited to the same extent, and this with bui, a trifling increase of premium. The Society will open policies on'this Table for any amount not exceeding £1008. Parlies Insuring under this Table will also secure an early retirement from business, with the certainty of a provision lor his family in the event of premature decease. TABLE 1 V 0*0 4)- pa bc.i: s Sum. annum. 119 7 4 38 9 7 3 113 3 7 118 19 3 39 9 7 10 112 17 10 118 11 2 40 9 8 5 112 12 1 118 3 41 9 9 112 7 4 117 14 10 42 9 9 7 112 2 7 117 6 8 43 9 10 2 111 17 9 116 19 10 44 9 10 10 111 12 11 116 13 45 9 11 6 111 8 1 116 6 3 46 9 12 2 111 3 5 115 19 3 47 9 12 10 110 18 9 115 12 4 48 9 13 6 110 14 1 115 6 49 9 14 ? 110 9 :> 114 9 8 50 9 14 10 110 4 G 114 13 4 i)l 9 15 6 110 6 114 7 52 9 16 3 109 16 3 114 8 53 9 17 109 12 113 15 54 9 17 9 109 7 9 113 9 4 55 9 18 6 109 3 5 By the above rates, a person aged 30 next birthday may, by the single payment of £9 2s. 9d., secure to himself an annuity of £10 during life, in the event of casualty ; or by the payment of £91 Ts. 6d. Secure an annuity of £100 during life, or the sum of £1156 38. 4d. in ready money as its equivalent value in the event of other amounts may be assured in proportion. The invaluable benefits derivable from the application of the above table, the rates of which are accessable to all, must unfortunately from too frequent recurrence, be present, in living examples to the minds of all, and to the experience of every individual in Canada, and of all the advantages ottered by Health and Life Assurance So- ciety, none probably have ever approximated, even remotely, to the value of the above table. It applies to the immediate wants of the living. The establishment at all times, and everywhere in all civi- lized countries, of Friendly Benefit Societies, under every possibl« form and combination of circumstances even among tho humblent 32 DRiTISH AMERtCAISf classes, is iiicontcstably illustrative of this Iriilli, and evinces? the ear- nestness and anxiety witli wliich tlwy would, la a cciidi/ilij, bo sup- ported and adopted by the public. Look at Great Britain alone, over one hall' of her entire popnl.ttion are members ot Fiiendly .Societies and the examples of her sons have been imitated in all countries and climes by their dtsceiidaiits ; while we may add the iniiv»;rsal de- sire is for the formation anil ndo|ition of Friendly Associations lor mutual suppoit. This is based ui)on a vital jninciple, viz., protec- tion and security to the livini,'. It embi'aces a sprcus of Assurance not in openrtionoji the CunlinctU of Jlmcriai in any sinnUii I^'ocieiy, and by One Company on\y in the Old V\'orld which lias been eminently successful. It guanis, as far as pecuniary relitl can accomplish, the assured ajjainst the deploiahle clli'cts of the many dreadful cas- ualities and proslratinsj indmiities of daily and hum ly occmreiice ; all of which are incidental to our couuikmi hntOiMiily, and any one of which may happen to a man in a moment, and no one can predict under what circumstances of suili'iuig and distress. This table is pcculiaily applicable to evt-ry indiviilual of every cla^s and decree r and will be found eminently available and beneficial. for home, /• ;;reet him v on his lelui- this cuse tli rt'turniriii: w your return woii'd comt Ire of the li; llio leadin;;? ihrouyh the ol the ca[)it Showing lb ra.tion, withoii Age. Tabic Iff. DII'ORTANT PIIOVISIO?? In which thousands of those hardy sons of I5ritain and France engaged in the Seal and Cod Fisiieries on the shore?! and hardcs of Newfoundland, Nova Scotia, Pntice Edward Island, and Labrador should be deeply interested. / Insurance will be effected on llie Lives of person^; eriiraged in the Sealing, or other lishmg voyn'^es. on the Coast and l>anl^? Fisheries, between the ages of 15 and ()(), at the rate of one per cent tor the voyage, in any sum not exceeding X'lOO or less than JtlO. Without Profits. SUM Af-SrUKD. I'RF.Mir.M. STM ASSTJ RKrt. niKMniAi. 100 1 25 5 75 15 20 4 50 10 10 2 Thus 10s will procure anassur.-'nceof £50, and 20s an assurance of £100. Men engaged in the exhanstless fisheries need not be told that the hazard connected with their employment is greater than that of hus- bandmen. The fisherman has ardent feelings, a strong attachiyen-: 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 By the a single i)ayi a payment £349. The gen ced, or too I'lULMH-Y SOCIinv VV CA.NADA. Xi for home, zealous love lor Iiis partner and his lillle cut's, whose smiL's ;;reet liitn whenever the W(;ll-ki:owii sound ot Ins foot.steps is heard un his return iVorn llie perilous voyajfe. lUil he may nut reliirn. In this case the assurance money wwiild do much to jelieve their olt returninu^ wants, should yon perish in retnrnnii,' to cheer them with your returninii visits. IIjw like an aiiij'.'l ol UKM'cy in their midst woii'd come the assurance money. In St. John, N.F. .the very cen- !re of the iisheiics, llie Society has enrolled on ils hooks the lianiesof iho leading memhers ol the connniniily, hom llie lioviMiior down '.hrouyh the vaiious classes which reprtseiil the wcullh anil ttamiiui Jl the capital. Tiiblc I. ACCUMl r.VTING OR DIIPOSIT TADI.t:, Showing the Amount ol Assurance which X'iiK) paid to tlie Corpo- rution, (suuiliei or lar;^er ainouiils in iJiopu; tiou; w ill -ecure without any further payment. A'^e. Sum . \ss ured. Ago. Sum A is ured. '20 ;mi> i) 1) 38 215 1 3 21 312 I 6 39 240 (■> () 22 33.') ') () 40 235 3 9 23 32!) t) 41 231 u 24 322 3 f) 42 2J() o (1 35 0, •) I 53 181 ■ i • J 36 2.ji 1 54 178 1 o 37 2bi) 1 ' 1 55 174 3 9 By the above rate a person ajred 20 next birthday may, by the single paj'ment of X25, secure to his family the sum of i.'s7 5s.. or a ])ayment of £50, secures £174 10s., or a payment of XIUO secuies £349. The general adoption of tViis table cannot be too earnestly enfor- eed, or too highly fppreciatcd. Its adoption is universal in Great u BRITISH AMERICAN Britain. This Table haa been exprcsaly constructed to meet \he difficullY ot lapsing policies, and is of such a nature as to remove tlie most plausible excuiie lor not assuring. The Society will loan to partie« insured under this table such portion of their funds as the j may need, reducing the amount of their ussurancc in proportion. Table J. £372 lOs ihe expir The i)o ments, in Notice 111 Jincd tu p advuntngt GENERAL INVESTMENT, OR ACCUMULATION TABLE. Advantageous accumulations and provisions for meeting pecuniary engagements, deferred to a time of years certain, irrespective ol any contingencies dependent upon the duration of human life, may be effected by the adoption of this scale ; the premiums of which may be paid annually or in single sums, while the amount assured will be due and payable at the expiration of the term specified, either to the parties themselves, if living, or to their nominees or representa- tives, in the event of their decease, providtd the premiums sliall be kept up. This scale is universally apjilicable wheie the object de- sired is to increase capital at compound intertbl to a given sum, after a fixed number of years. 8UR TABLE of Rates payable annually, or in single sums, to assure cer- tain £100, at the expiration ol any number of years not exceed- ing: 25. h 013 FRKMIUM. )t years erred. ; PREMIUM. S"^ 1- ?r rBKMItlM. Annual. Single. S5 Annual. Single. >^ Annual. Single. 5 18 5 82 2 6 12 6 12 G 62 8 9 19 3 10 47 5 6 15 79 C' 13 6 60 O' 20 3 5 45 10 7 12 12 G 75 18 () M 5 8 57 10 21 3 1 3 43 15 8 10 15 73 1 3 15 4 19 55 5 22 2 17 6 42 2 6 9 9 5 70 2 6 16 4 10 6 53 5 23 2 15 40 10 10 8 5 6 d7 10 17 4 4 .31 5 ol 24 2 10 39 11 1 7 13 6 34 18 6 18 3 17 G 49 5 25 2 5 37 5 By the above rates £100 certain may be assured at the expiration of thirteen years by the annual payment of £6, or by the single payment of £66 ; or £100 certain may be assured at the expiration of 25 years by the annual payment of £2 5s during the term, or by the payment of £37 59 m a single num. Thus, by the annual pay- ment during the term of £22 10s, or by the payiiient in one sura oi Aisurat almost uii States, bu popular ii] lifetime oj of assuian that M. offices ha\ received D ment of si indisputal (wople, ail the systen the lifeiim doubt, liki beauty, at too widelj for a mrii names, ad the beneti persons fo (number Prevoyan " Le Cais Providenc few situai ♦NoTE.- here used, able ou liitj assurance ( of the last » \\\i» pampli mefft the to remove will loan ds as thej ortioii. FRIENDLY SOCIETY OF CANAD4. 35 /372 lOs, a pcrNon mit(ht Rccure to himself and family XIOOO itt the expiiHtioii ot 2') ytiarti. The popiilaiiiy and adoption of this mode of accumulating invest- ments, in liie form of ♦' BuildiriK Societies," is daily incredsing. Notice the avidity with which the stock of Buildiiig Societies, cof»- JincU to partiruliir localituM, has h«'ej) seized upon, without the great advantages peculiar to this mode of 'ccumulating investments. IBLE. pecuniary ive ol any :;, may be hich may sured will I, either to epresenta- s shall be object de- sum, after issure cer- ot exceed- MIUM. Single. 47 45 43 42 5 lU 15 2 G 40 10 39 37 5 expiration the single expiration LTrn, or by inual pay- }ne sura of SURVIVORSHIP ASSURANCES ON THE * Tontine, or French System of Assorance. Assurances payable at the decease of the insured life have been almost universally adopted in (jreat Britain, Canada, and the United States, but thi«df8cri|)tiori of assurance has not been so successfuJ or fiopular in Fiance, as there they prefer assurances payable (/i^mg- tht ifetime of the insureil. So ably and elocpjently has this latter systern of assurance been advocated in France within the past few years that M. Jubroca, in the Hcvue des Jlssurances, states that eleven offices have in nine years issued upwards of 400,000 policies, and received 97,000,(JU0 bancs, and returned 42,000,000 francs in pay- ment of sums asgured, (iurmg the li/elime uf the insured. This it indisputable evidence of the energy and enterprise of the French |ieople, and cf their appreciation ol the benefits and applicability of the system of ♦Survivorship assurances, or assurances payable durinf^ the lifetime of the imured , nud their descendants in Canada will no doubt, like their illustiuus ancestors, fully appreciate the excellence, beauty, and benefits of the system as here introduced. It cannot be too widely spread or universally adopted. Heie something is offered for a mail's own benefit during his own lifetime. The following names, adopted by a lew French Societies, indicate of themselves the benelicial uses to which Survivorsliips are put, and the class of persons for whose benefit they are adopted. " Le Caisse Paternilie,'' (number of policies 37,270;, " J-.aNaiionulc," (policies 18,632), " La Prevoyance, (policies .';!>, "JOS), *' L'JCfjuitable," (policies 61,030), '♦ Le Caisse des Kcoles et des Families," (policies 54,028), •• Le Providence des Knfans," (policies 25,000), and others. There are few situations in life where this method of accumulation for short, •Note. — Th»i reader will pJrfjiHe notice tlinl the term ''Survivorship." \t here used, docs not apply lo 'ruhltis Tor '• the iisnuiitiice ol^ specified sums pay- able ou lliu dccciwc I li I iwv, person, inovidid lite ollur be then living, nor tor tiik assurance of spiicificd nuum jki yuhlu at the (hath of the survivor of two lives, i,oi o{ the last i.urvivor of thrf:i' iivt s." Tlicso tables have not been introduced n*;* lUis pamphlet, rated, however, may be learned l is as the 1 by fust upon the ns of the oJ of five the exisl- !s cy. per illation of , together entS; also years are articipate ay, 1855. 'ay, J85G, ach year. Jependent iiui in its ?nces this :ribers to 56 rl snb- se benefit nember's 'S hinnsel* nor sex, and all contribute alike. It is a Saving's I'ank in which the dt.'[)0.sitor is a proi)rietor dcriviiiij a poi lion ol' its iidvantagos ; besidos, it pos?«es.ses all the cleirieiils of advaiiluu:t^(:)i!.s nivestmenl claimed l)y I'linldiug Societies, and, above ali, it is equally for the be- nefit of the poor man as the rich, and vs'ilhin the compass of hit- means. The contract of a m^^mber with the Society is completed by the issue nfa rcu;istered policy for each share, transferable on the books ol the Society, on receiviiii?" which each member sball pay his first cotitii- bution, together with the policy fee, and ev'ery such policy shall bear dale from the coinmencemeiit of the " series" for that year. The ])olicy will contain the name and residence of the '' member,-' also the name, residence, age, and ])lace of birth of the "nominee.'-" The amount of subscription, and the number of yeais for whicli contribu- lious are to be continued, and tlie modu of payment, together with the nature of the jn'oofa required from the " member'' ol liie survi- vorship of the " nominee'' to entitle him to his. or hei, ))iMp())iioii at the linal division ; the accuiiuiUriion being di\i>iblc and pertaining finly to the members whose nominees are surviving at the completion of each " series." At the expiration of the filth year of each ' series" the. /?it largest policy-holders shall lie constituted membt-is of tiie IJoard of Super- vision, in (.'011)1111111011 with said jjoard for the division amongst the survivors of the accuiiiulated fund of the " serlcj" wiiicli shall 1,hen have terminated, and as soon after as the jiro rata share can be ascertained, but not exceeding six months, the accumulation of that ''■ series" shall be dividt^d in i-ci'ia! parts amongst ihe surviving mem- bers, in proportion to the luimber of shares held by each. Policies for the first " scries''^ to commence INlay 1st, ISoa, and to terminate on the bOlh Ajiril, I860, will be issued on and after the first of May next. Annual Contribution for each share two jiouiids, policy fee on each policy, co\'er'ng any immi>er of shares, five shillings. The names of parties ^\ i-oliing policies may be sent at once to the Head Olfice. addicss'-d to llie Svcrelary and iManager, and tlie '•' form 9t' propoiur' will be transmitted forthwith. lependent r he may dren, and ifit or that r climate, perfectly ily to the on of the Y one can ither aue EXTRACTS FROM British Americaic Friendly Society. — The health of the body is the great blessing of life ; without it, riches, position, honour, and luxury are each vanity and vexation of spirit. To preserve ths body in sound condition, Nature has not left us without rules for guidance, which, if followed, will secure to us the greatest happiness man can enjoy ; but, when violated, the consequences are both pain- ful and fatal. Sickness brings its troubles, and upon those dependent foi support on precarious earnings, it presses heavily. The burden has baen so great, that, in all civilized countries, Government hai come to the relief of those afflicted, and medical charities are every where sustained by public grants. Independent of such charities, we now find established other as- sociations admirably calculated to soothe the bed of sickness, and dri>e want and bitter poverty from troubling the helpless invalid, and furnishing a provision at death. One of those admirable institutions is the British American Friendly Society, now permanently located in our city, and diffusing all around its valuable and important principles. The progress mad« by the Society during its existence has proved truly wonderful. The applications for membership are daily increasing, and tho8« who have participated in its benevolent operations^ speak in th« highest terms of the excellence of its workings. Membership is procured at a very trifling out lay ; in return for which the applicant is, while sick, secured a sufficiency to defray medical fees and expenses incident to such a helpless state. On« good point in the conduct of this association is, that all such claim for benefit, when properly substantiated by medical and other certi- ficates, are promptly recognized by the Directors. The society is under very able superintendence, and its businesf IS watched with the most careful vigilance, and the most trustworthy coirectness. The Gen. Manager is a gentlemen well known to our community, and has acted most energetically ; and, we may add, gratutiously, in spreading among his fellow citizens the benevolent character of the Institution. The Board of Directors comprises the names of many of our most influental residents, any guarantees to members that security which ordinary societies cannot hold forth for the proper executioa and fulfilment of their objects. We earnestly recommend the British American Friendly Society 40 BRITISH AMERICAN to our citizens, as one whicli will i^ive every salisfaction to those win may wisli to sliaro in its bcnt^lits. The society is rey;uhuly in- corponitcd by special Act ol I'urliuiuent. — [xMontieal Transeiij)t.] IJRirrsH Amkrican Fiuexdlv J-'ociety. — Wo have not hitherto loiind hi|iiic(! to iiotict.' the uiiuual repoit of the Liitish American l''ri(Mi(lly Society, piCBenled to the iiienjbcrs at the annual meeting' III October, bui we are I'ar I'lom b(;iijg insensible to the atlvanlages which siKth socii'ties confer upon the comimnuly. ll is only a Jew years .since .Mi. TjlU I'laLt, wiole on the law and jiiacliceol njutual a.ssurance, but since that p. A. Fiiendly Society, aiu-! with some experience ot sucli institu- tions ill the old country, are led to the conclusion, that nearly all that is oj)eii to objection in the constitution of such bodit.'S is omitted, ana all that i:^ necessaiy to the salislactoi-y woiking oi the Society is in- cluded. So impoi'taiit is this queslion esteemed by the hupeiial Par- liament, thai 11'/ mutual health atauiaiice society can go into opera- tion until lis udes and regulations are aj^proved by tue liaiiister, whose name we have (pioted, and whose special duty it is to examine, and give the sanction of the executive, to each Society belore it is enrolled. The practice ol Health and Life Assurance has been carried farther in iilngland and in Scotland than in any comilrics in the workl. iNot only have L\iti Assurance Ofiices and Eenelit Societies multiplied amazingly within the last score years, but assurances are now granted aiiainst railway accidt'iit, and accidental deaih; and wo per- ceive by the journals received from Euiope by iht; la.-t slcamer, that many of the nnhlary men killed at the battle of Alma, had insured life in favor of friends at horiu., in the Accidental Death Assurance t)/lice, before ])roceeding to face the danger to which their duty called them. IJut, in addition to the assurance agamsl accident and ext(;riial iii|ury, odices have been established m London to insure against disease. Tho Invalid Assurance Company, the Asyium, ar.d other olCc(;s, insure the lives of persons suffering fiom disease, of »'0U!se at higher premium^:, a; d with a view to enable tuch persons to make the |)rovision, which all should make for a result which is inevilahle — whether it may hafipen (iom natural causes, from disease, !ti the field ol battle, or on the ocean. We liave referred to the lapid extension of Life and of Health Aesarance in Great Lriiain, as a fair argument Jor its consideration m this country. Drilish America is a young country, wages average high, and nearly ail persons in health can spire tiie small payment wliich is required to make the necoesary provision ; ihe people are tages. FRIENDLY SOCIETY OF CANADA. 41 iinv 11 IS highly prosperous, but sickness and iii^fl, and reverses come, and then th« value ot' these ])rovideut societies are telt. We advise every man w ho may at any luture period need wnch assistance, lo piocuie from tlie oHioe ol the Society the various printed documents, and to consider carerully, the value and importance of layin,^' up a provision linoua^ht the instrumentality ol this Society, lor the hour o) sickness aiid ili'aih ; and we leel assured, if the husine.isot" the Society is con- dui:t''d with the prudence and judgment, which at [)resent chaiac- teriz'i the i)ioceed(i!!fsof the Directors, and the JMana^'er. Mr. IMiillijis, thit the reader will never see reason to rei^rct Iraving enrolled him- self as a member. — [Montreal Pilot. ] TiiiiTrsir AATERiCA>r Fuikxdi.v Society.— In I'^e i-arly part of the year ]Hb'.l ihe iirst Fiiendly Society of Lower Canada was formed ill Montreal under the name of the " Ihitish Ameiicau Friendly So- '■icly." This Society, whose existence is principally attributable to the honorable exertions of J. H. Phillips, Ksq., its present Secretary, is in a very fiourishino; condition. A j)rool'of this is shown in the pM.'parations now making on the mijst extended scale by the members for celebrating the iiist Annivt'iiiary of the Society by a d'raiid Fes- tival on the 24th, in the City Concert Hall. To this Festival those of our readers who are fond of such fetes ought, if possible, to go. By so doing thr>y will have an o,)j)nrlunity of mnii^'ling sociably and agreeably with the members and oilicrrs-beaiers of this society ; and shouki such an eretiing's, intercourse lead tu their beconnng members of the Institution, the evening's enjoyment will have itsprolit as well as pleasure. As a proof of the already flourishing state of the Society, we may mention that although it has its head-'{uai teis m Montieal, it has branches in (iufCBKc, Torgn'I'o, IjONdon, Thukk Kukrs, Hamilton, Kinosto.v, St. John, A'. B., St. John, N. F., Halifax, N. S., Cmarlottktovv.v, P. E. I., mul .//tiri'iciVs r/i nearly every Toini in Ihithh North Jmcrka. Seeing that its ramifi- cations are so widely spread, the society is evitiently destined to be- come a great and inlliieniiul one in these proviijces ; and w'nle min- istering to men's social propensities, vvill let its power be fell lar and wi^Iq m alleviating his physical di^tre.-ses. It now numbers several thousand members ; and is increasing its membeis at the rate of from 200 to 300 jier month. The Society admits on equal terms persons of every cla.-s and degree to all its beneiils and advan- tages. It professes to be a protestor for j1!, especially the widow, the aged, and distressed. According to the rale of payment n^ade by members, is, of course, the amount of heneiit regulated to be received. This varies from smaller sums up lojhrhj s/W//enefits of llii.s .Society, as the f^reat sneees-: of snniiar Institiitinns in Jluropi; evidently show the advamai^e.i derived l)y .Meni!)ers. and arc daily bcconiiny mure uiul niuro apprecialoil." [liritish AVIiJg-. Ivuly:^^ton.j Beniy; purely iiciievolent in its character, such an institution reconnntunU it- seh'io the public, and aiii)rds a suiiieienl i,rMaiantee in the hi^h .-laudiii!^ ol' tliu puities at its liead. it is calculated to eitecl a larL,^; anioiuit of jidod. and is. lliercfore, eiuitledto llie fullest pulronai^c and support, [llaiuillon Spectator. | We rccoiHinciid a serious cnn- a llmllh Assumnr^. Asaori/i- tion. Jt has met with unexampled success. [Norllierii Adsauee. IJurric, C!.\V.J We have heard very favorahh; reports of the hcnefits deriv.d by these who liuvejoiaed tin; li. A. I'. .Socieiy. ;nid iu all eases.claiin*. propirly eeriilieil. have been paiil at,' le'eulily will) till! linhs. ['rraut-eiipi.j* In tlio r\i=:ter,t folate of .sociefy. the great utility and parniuoiuil ini])ortanpe of such an in l)les>in'rs may extend over the I'roviiiccs. It is engaged in a good Wvirk. [iniernational Journal.] The value of such a Society must be aiiparentto all. 'J'he annual payuK iits required are ealeuliiteilonthe sftiae scale a-; tlmsc of ilie oldest aiui lajirest socie- lies in Ihiylnnd. and art? amply sinn; ient to alford all tiu' a(i\a;nage-^ [iroposed ; wliile it |)osessi;r< irreal advantages over J/ocal Societies, iiiii^mueh as its (;per. ations not i)i'ing conlined lo om; locality, but nnigiii','- over a large tcrriiority, it is'not liable to be alfecled or its fmuls deranged \>y Local tjiidnuics. AVe heart- ly/econmi'.'iid this Society lo the pulilic favor, and advise our Iriends lo iiLsuie in^'it. [Halifax Recorder.] Such an instituliou is one in wliich the puhlic generally ,«bouid take a .deep interest. From the high character of the JJoard in Canaila, as well as o' the agent for Nova Scotia.' (,l. W. Johnson .Jr. 42 Jiollis Strccl. barrister at Law,) we think- the Sucieiy deserving of every confidence and consider the ends for 46 BRITISH AMERICAN wliich il was formed hiffhiy hciicficiul. This soci'-ly is not a locnl iiislilulirtn, hul desireK td briii;? ils lieiit-lits hdiiic to every hoiito-luild, iind loniiililca// with- in llor Majesty's llriti-*h North AiiiLrifiiii pn^si .^siuiis tn iMirlaJM' ai its beiieiit* in ihf hirgesl possilWe irie!u«iire, lixiliviaie a vasKiiiinunt cil' social iniHcry fiinoii;; all classes ofsuciety. not only in Canada, l>iil in the ino.-it reniutc part» ofliiiti«h Nurlh Aint'rica. [Halifax Catholin.] Not lest characteristic of the present affo than the preat discoveries in ncienee, and the vast strides of progress whieli distinto bear on any one distinct object, iiiightier slili, moro lM)werful. and more prevailing. Hence, the several Institutions which have from lime to time been founded r>r the amelioration of human sulfering and want, lor tlie improvement of the mind, the advancement of tlie social condition, and the promotion of the best mteresls of the body of the people, have attained in the presont day un emi- nence from which they piominentiy stand out, jat once ujj monumei'ls of the progress of the age, and as lights and beacons to cheer, encourage uud direct the wayward travellers of every class, as through the wilderness of life Ihtjy thread their way from the cradle to the tomb. The present direction to our thmughts has bfcen given by a perusal of the Moni- tor, a newspaper published'in Canada by the British American Friendly HocU- ty, an Institution of that cla.<»s which experience has stamped as being of ines- timable value and incalculable benefit to all orders and ranks oi the human family, and the advantages of which are profl'ered to all in this Colony, a Brancii of the Briti&h American Friendly Society having been esiablislied here, undei a Board of Directors which embrace some of the luadins intinbers of this cont- lounity. The advantag(!S which are ofl!ercd to all classes by the British American F'riendly Society form a subject of more tlian ordinary imporiance. and one, therefore, ou which no misapprehension or misconception should be allowed lo exist. It IS a matter which concerns everyone; for notwithstanding the present secure position or certahi prospects of some, there is not an individual among at who has the control, or even knowledge, of his future destiny. So numerous are the instances in which men of influence, and who could not see the possihiliiy of their ever losing their wealth, have been reduced to penury, if not to absolute and abject want, that it is unnecessary to quote ajiy particular cases to support the proposition and to prove the fact. As affording a certain present provision, then, against such future, possible, if not probable, contingency, this Society is of the highest importance, and ii* advantages deserve the most serious consideration of every |>rovideiu menibwi of this community. And, indeed, viewed merely in a commercial light, and looked upon as an in- vestment which is likely to yield a jtroductive return, the prhieiplc recommend* itself most strongly to the favor of all, Suppose the wealthy merchanl, tlit business manager, or broker, who ha.s experienced one almost uninterrupted course of success in all his speculations, should, from events which his keenest foresight could not discover in the dis- tance, and which no exertions of his, no prudent manasjement, no judicious ar- rangement, no precaution, and no care could .possibly avert or control, were reduced to poverty — and what guarantee have we that such may not be the vase here ? — instead of having to subsist upon the paltry pittance of some tri- fling sum grudgingly allowed him by his creditors, he would have the right to demand the product of his annual investment. To lh« labourer, of whatever class he be, or in whatever oecupaiiou ea I portU)n are emj lir-ial in of comp man are ifioapaei |>rovide or death ihalitab •ecure it bj tin FRIENDLY SOCIETY OP CANADA. 47 lo luidei fnfcd, the samp advantaff(^R are offered, which he can avail himself of, in prs* portion to his means; while tu those brave anil harily sirni of enterprise who are employed in the FinheriuM, it is culeulatrd to prove a motit friendly and be* lir-ial institution, for while experience shew.<< that death un a fisliinff voyaf^e is of comparatively rare occurrence, it also shewn that the sealer and the tisher- man am both liable to accident while in pur.iuit of their calling:, which maf ifioapacitale them from conlinuinjj to follow it. and that whenever unable tu provide for themselves or their families by cither nrcidenl.s. disease, old age, or death, they will be li ft alioffcther to the mercy of a world which is not too chatitably disposed — whcreai ny an annual deiK)8il in this Society they would •ecure for themselves a competent provision when they were unable to obtaui it by their own exertions. From private information we learn, moreover, that in Canada this. Son of this beneficial Institution, It will also be seen by the Socieiy's Ddverlisement of this day's date, that Jlis Fixeellency Ker Baillie Hinnilton, Esquire. Governor of Newfoundland, las bccwme the sjDfdal pitrcn and an honorary member of the New- foundland Branch of the • Britiuh American Friendly iSociety,' — From St, J\)hni Pout, Newfoundland. and itd en