^f^^^- .0^\^^^> IMAGE EVALUATION TEST TARGET (MT-3) /. ^/ /. < V\^ I/. fA 1.0 I.I 1.25 If i^ IIIIIM ■^ 1^ 1 2.2 1.8 — 6" lii! U IIIIM.6 vy.. ^^ .^>. F 'V Sciences Corporation 73 WEST MAIN STREET WEBSTER, N.Y. 14580 (716) 872-4303 ;1j^ .am. <'. ^ ^rv^ 1? -^^ CIHM/ICMH Microfiche Series. CIHM/ICMH Collection de microfiches. Canadian Institute for Historical iVJicroreproductions / Institut Canadian de microreproductions historiques ©1985 Technical and Bibliographic Notes/Notes tachniquas at bibliographiquas Tha Instituta has attamptad to obtain tha bast original copy available for filming. 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Those too large to be entirely included in one exposure are filmed beginning in the upper left hand corner, left to right and top to bottom, aa many framee aa required. The following diagrams illustrate the method: Lee cartea, planches, tableaux, etc., peuvent §tre filmte A dee taux de rMuction diffirents. Lorsque Ie document eet trop grand pour Atre reproduit en un seul clichA, it est film* A partir de I'angle supArieur gauche, de gauche A droite, et de haut en baa. en prenant ie nombre d'imoges nAcessaire. Lefc diagrammes suivants illustrent la mAthode. 1 2 3 1 2 3 4 5 6 S|$ ASSURANCE ASSOCIATION OF CANADA. Licensed by tlie Dorainion Oovernment. (Set Canada Oatette l$t Augutt, 1868.) This IS the onlv Mutual la the Dominion, which, "-avinp; complied with the requirements ot the law, has been licensed under Mr, Rose's Act. In reference to this fact the Toronto Monetary Timet and Insurance Vhronicle of the 30th ult *?y^:r V ® are glad to notice that the Agricultural Mutual, the largest Company ot this class m Canada, has set a good example to all other Mutual Companies bv »nn«it.in«- t.h« snm of t\9. om We are strongly of opinion that it wfll be to the ui luia uiuBB lu v/iiuaua, iiua ee "depositing the suin of ^12,000. _.. _ „ , „. „^....„„ ,„„, ., „„. ^ ^^ ^^^ interest of the Mutual Companies throughout the Dominion to avail themselves .. ?u "^° ?5*"^ ""^ *,'*® opporCunity afforded by the Act of justifying themselves in the confidence of the community. Its Caj)ital on Ist January last was over 0218 000 00 Of which was in Cash /. 31 478 34 Due by Agents, secured by Members' Notes, and due oii ' Assessment'! over , 34 qqq qq Number of Policies in force 28 764 BOABD OF DIRECTOKS. CROWSLL WILLSON, MP,, Towiubip of London. DANIEIi BLACK, Township ot YMmouth. JOHN W. VANWOKMER, Ooraof London. KICUARD BIDDULPU, To'ihip of Westminiiter. SAMI'^i, sec, HAMi>,i\/N Dl CUAS. (i. COD WILBER R. Vi DONAU) SBA' ?j Township ef Yarmouth. LOP, Township of M«toai;e. >X, Township of Qeraham. ININO. To'ship of West Nissouii. ION, Towashipof Lobo. HOWOBARY DIRECTORS. HON. J. S. MACDONALD, M. P., flomwall. J. P. WELLS, M.P. , North Yorlt. HON. ROBT. READ, M.P., Hastings. JAMES NIMMO, Lennox and AddTngton. T. R. FERGUSON, M.P., South Simooo. JAMES BROCELBANK, Bruce. ARCH. MoKBLLAR, M.P.P., Chatham. UKNRY MUNROE, Durham. JOHN GROSE, Wellington. JOHN MURlfHY, Lennox and Addington. WttLIAM COTTINOHAM, Victoria. T. D. MoOONKIB, M.P., North Simooa. JAMES HEELER, Leeiis and GrenWUa OEpRGE CUNNlifGHAM. PrinwEdwird. SOLOMON WIOI^. M.P.P., Essex. GEORGE JACKSON, M.P ., Grey. PETER PEARCE, Peterborough. JOSEPH WHITEhBAD, M.pf, Huron D. THOMPSON, M.P., rfiOdimanT OFFICERS. A. G. SMYTH. (Auditor City of London) J oolioitob. JAMBS HAMILTON, ALEXANDER MACDONALD ( D. C. MACDONALD < The Merehants' Bank. BANKERS. I The Bank of Commerce. ■ ACDITOM. Joint Seobetaiim. This Company continues to grow in the public confidence. For the month just past, July, it issued 1,G5G Policies; the previous month it issued 1,621— to- gether making 3,277 m two months— being a gain on the corresponding two months of last year oi' 612 Policies. It is purely a Farmers' M!ili;yl, insuring nothing more hazardous than Farm property. Its rates, which are §iven further on, are as low as those of any well-established (.'ompany in the Dominion, and lower than those of a great many. It has two systems in opcration- Under the -the Premium Note one and the Cash one. Premium Note System, to insure for, say, 1400 for three years, on ordinary farm property, isolated, (that is to say, 130 feet «r over from any other person's building.^, and with the dwell- ing house, having good chimneys, 100 feet or over from any outbuildings in which hay, straw or flax is kept), a Premium Note is required for t6, which constitutes tiic irho'e iiiitjtttty. {A this notc no part i? eoileetcd at iho time of insuring, in the second year thereafter an assessment will bo made, which, as far as hitman foresight can reach, will not exceed half the note, $3. That rate of collection has never Deen exceeded but one year, when, the losses proving unusually heavy, a small increase became necessary ; but that was before the Company was so strong as it is now. The other half of the note simply forms a Quarantei Fund, to impart the moiit unqnestioDable confidence in the stability of the Company, The Oaili System [Specially autkori»ea by tJ Victoria, Cap. 52.) waa more recently tdopted to meet the views of parties who object to giving a Premium Note, however small. It has taken greatly with the farmers ; this year, up to the end of last month (July[ 5,308 PoUoiea hare been issued on the Lash System to 1,732 on the Premium Note one. The charge is 76 cents per «100 on a three years' risk, over iaolated farm property. To iUustraty; For msunng I6*X) for throe years, on ordinary farm WMden buildings, the dwelling house 100 teet or over frcmontbuiidingi containing hay, straw or flax, tha applieant has to pay W.TD as premiaa. He gives no preminm note, and comes under no further lubinty. PartiesdhrlriDg to insure om tiki their choice of these twomttms. If the Uibg houMtt Muer than 100 feet to oaibuildiBKa ootaiaiaf.biamBable ar- the rates will be a little higher than given in the foregoing examples, to iiiiMI i[ for the inenaaed hatard. Oa the other hand, if the dwelling house be 0? brick or stone, the rate on it is a little less, on account of the reduced hazard . The rates stated above are Indepc-^dent of the fee for Survey and ^oj},"/" •l.fiO if the risk is for two years or over ; if under two years, it is but II- Those ioM don't exeeei thete allowed to be taken by almost <>very Mutual Company i ThUX 18 NO MOTDAL III CANADA BUT ITS AOKNTS ABB PAID FEES, whatever they may pntend ; first or last they oonae oat of the pooketo of the members. It is a delusion and a anare to assert otherwise. The posUge on Policies ie prepaid ; so is that on letters sent to Members, with the exception of theae regarding nefi;lected paymenu, or in answer to unpaid ones. Here, now, are the rates :— Premlmn Note System. 1. A Premium Note will be taken, for insurance for three years, on the following classes of Property, as under :— Rate No. 1. 1st Class 1 per cent. 2nd " U " 3rd " U " Rate No. 2. per cent. 11 11 Rate No. 3. 11 per cent, li " 2 " No. 1 rate applies to cases where the dwelling house (or aoy building in which fire in used,) is 100 feet or upwards from the bams. No. 2 to where such buildings are 60 feet or upwards, but less than 100 feet a[mrt; and No. 3 to where they are 20 feet or upwarols apart but less than 60 feet. Or, if you prolyl- it, here are the rates under the cash system, without a Premium Note at all, and no other liability whatever. Take your choice. Cash System. RateNc -. 1. Rate No. 2. Bite No. 3 let Class, 1 year. 20 cents. 25 oentH. 30 centi«. •4 2 " 35 44 45 " 55 " (1 3 " . ...50 44 62i " 75 " 2nd Class, 1 " 25 44 30 " 35 " it 2 " . 40 44 50 " 60 " M 3 " 621 44 75 " 871 " 3rd Class, 1 " . 30 41 35 " 40 " i< 2 " . 55 (' 62i " 70 " ti 3 " . 75 l< 87i " 100 " The classes of hazard and rateal distances arc the same as under the Pre- mium Note System. If the dwellinK-house, or any building in which fire is used, is nearer to out- buildings containing inflammable material than 20 feet, the charge U a little higher ; 80 also if a stove pipe runs through the roof or side of a dwelling-house, instead of going into a chimney. The Company insures under one Sum, Live Stock, Farm Produce generally, and Farming Implements, (with the exception of Threshing Machines, Reapers and Mower' which must be insured specifieally,) and that one 8DM covers those commodi- ties in any out-building within 40 feet, as well as hay and grain in stacks. There is with us no dividing of sums on those different oommodities.und sub-dividing the same again if they are contained in separate buildings, no matter ho* closely situated, to the exceeding great and manifest disadvsntage of the members. It is but right to state that there are certain classes of risk which the Company doesn't insure under the Premium Note system. Such points can be learned from the different Agents. D. C. McDOKALDf Secretary. London, Out., Aug. 26, 1868. QtJ' For Insurance apply to DONALD McKENZlE, Agent, BAYFIELD P.O. prlated at the Free ProBS Steam Printing Office, Richmond Street, London, Ont.