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 1 
 
 2 
 
 3 
 
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 3 
 
 4 
 
 5 
 
 6 
 
'^ 
 
 ^0VASC0TI4 
 
 
 
 PROVINCE HOUSE 
 
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 •V 
 
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 / i 
 
 B3 
 
 a 
 
 
 
 UNITY 
 
 **• 
 
 nisttrantt %ssumims. 
 
 CAPItAL £2,800,000 STEELIKO. 
 
 obhif oppioBS! 
 
 1 1 
 
 ._L'.t!i™ 
 
 HALIFAX, N. S. 
 
 PRINTED BY JAMES BOWES AND SONS. 
 
 1855. 
 
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 iMtllLII^ I itTT — r -•[.'' 5.'»-~— .^-— ■- 
 
 UNITY 
 
 TMma %smmim. 
 
 CAPITAL £2,500,000 STERLING. 
 
 CHIEF OPPICES: 
 
 bfoitjj Si|ilSI^0^, ^0. 8 Smo\) Slireel, JLooSop. 
 
 HALIFAX, N. S. 
 
 PRINTED BY JAMES ^ IWES AND SONS. 
 
 1855. 
 
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 INSURANCE ASSOCIATIONS 
 
 Chief Offices— Unity Buildings, No. 8 Cannon Street, London. 
 Halifax, N. S.— Merchants' Exchange. 
 
 I 
 
 I 
 
 London Board of Birectors. 
 
 REAR-ADMIRAL SIR WATKIN OWEN PEEL, Greenwich 
 
 THOMAS II. BAYLIS, Esq., 4, Nottingham Terrace, Regent's Park 
 
 GEORGE BORRETT, Esq , J. P., Southampton 
 
 EDW. GOULD BRADLEY, Esq., 13, Bemers Street, Oxford Street 
 
 SIR WILLIAM CUNNINGHAM DALYELL, Bart., Biuns, Ltnlithgow, 
 
 and Greenwich 
 ROBERT GARLAND, Esq., Belfiore Lotlce, Highbury 
 ALBERT FRANCIS JACKSON, Esq., Putney Hill, Surrey 
 EDWARD LLOYD, Esq., M. D., 4, Suffolk Place, Pall Mall 
 MAJOR MARTIN MULKERN, 35, AUsop Terrace, Regent's ^ark 
 EDWARD TAYLOE, Esq., Clapham Common 
 THOMAS YAUGHAM, Esq., Stoke, Newington 
 
 Auditors. 
 THOMAS COOPER, Esq., 2, Albany Villas, Grove Road, Southaea 
 JOHN SMITH, Esq., 11, Lord Street, Liverpool 
 ALFRED CHARLES TATHAM, Esq., 11, Staples Inn, Holborn 
 
 Medical 0j£cer. 
 EDWARD LLOYD, Esq., M. D., 4, Suffolk Place, Pall Mall 
 
 Solicitor. 
 THOMAS TAYLOE, Esq., 27a, Bucklersbury 
 
 Aetnary. 
 
 Q. J. FARRANCE, Esq. 
 
 Bankers. 
 THE LONDON AND WESTMINISTER BANK, 
 Lothbury, Ci^y. 
 
 Managing Director. 
 
 THOMAS H. BAYLIS, Esq. 
 
illWMlfcl .IHIili 1 
 
 LOCAL BOARDS OF MANAGEMENT 
 
 OF TUB 
 
 Brighton and Sassez Board. 
 
 Directors. 
 
 Chairman— JOHN STUAllT ROIIPELL, Esq, L.L.D., 
 60b, Old Steyne, Brighton 
 
 W. PETICIVAL BOXALL, Esq., Peroival Terrace, Brighton 
 WALTER DUKE, Esq., 26, George Street, Hastings 
 ROBERT FRENCH, Esq., Littlehampton, Sussex 
 JOHN GEO. YOUNG, Esq., 18, IJppcr Brunswick Place, Drighton 
 Bankers— THE BRIGHTON BANK 
 
 Medical Referee— J. CORDY BURROWS, Esq., 62, Old Steyne 
 
 Brighton 
 
 LocAh Manager and Secretauy— Mr. ARTHUR VEYSEY 
 
 Branch Offices— 4, PAVILION BUILDINGS, BRIGHTON 
 
 Devon, Cornwall, and Western Division of Somerset Branch. 
 
 Directois. 
 
 Chairman— WILLIAM PORTER, Esq., J. P., Hembury Fort, Honiton 
 MR. ALDERMAN BUCKINGHAM, Ex-ter 
 REV. EDWARD D. T. CHAVE, M. A., 21, Dix's Field, Exeter 
 REV. SYDNEY W. CORNISH, D. D., Vicar of Ottery, St. Mary 
 CHARLES KELSON, Esq., J. P., Westlawn, Teignmouth 
 WILLIAM KENNAWAY, Esq., J, P., The Barnfield, Exeter 
 THOMAS SHEFFIELD, Esq., Baring Crescent, Exeter 
 
 Bankers. 
 
 WEST OF ENGLAND AND SOUTH WALES DISTRICT BANK 
 
 EXETER BRANCH ' 
 
 Medical Referees. 
 
 AUGUSTUS DRAKE, Esq., M. B, Cantab., Southernhay, Exeter 
 WILLIAM W. JAMES, Esq., Bedford Street, Exeter 
 
 Solicitors— MESSRS. KENNAWAY AND BUCKINGHAM, Exeter 
 
 Sprveyor— MR. JOHN WARE, Exeter 
 
 Local Manager— MR. C. WESCOMB 
 
 Temporary Offices— 5, SOUTHERNHAY, EXETER 
 
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 Hampshire, Wiltshire, Dorsetshire, and Isle of Wight Board. 
 
 Directors. 
 
 MR. ALDERMAN ANDREWS, Soutliampton 
 HKNRV lU'CIIAN, Esij., Cranbury Place, Southann)ton 
 KDWIN IIKARNE, E8((., M. IJ., Hussex Place, Southampton 
 THOMAS HILL, E«c(., West End, and Oriental Place, Southampton 
 SAMPSON PAYNE, Esq., Olayfteld, Mayor of Southampton 
 
 BiNKEUs— THE HAMPSHIRE BANKING COMPANY 
 
 Medical Referees. 
 
 W. S. OKE, Esq., M. D. | E. HEARNE, E8(| , M. B. 
 
 Solicitors— MESSRS. PATTERSON & BRADBY 
 
 SrnvEYOR— ALFRED G. LOCK, Esq. 
 
 Local Manaoeh and Secretary— MR. WILLIAM BROOKS 
 
 Branch Offices— 2, HIGH STREET, SOUTHAMITON 
 
 Hertfordshire, Essex, and Bedfordshire Board. 
 
 Directors . 
 
 Chairman— JOHN DAVIS, Esq., M. D., J. P., Hertford 
 
 THOMAS BELL ADAMS, Esq., Collctt Hall, Ware, Herts 
 
 THOMAS W. HITCH, Esq., Hertford 
 
 CHARLES F. HODSON, Esq., M. K C.S., Chantry's, Bishop tttortford 
 
 Herts 
 ROBERT LAWRENCE, Esq., Amwell, Ware, Herts 
 GEORGE MILLER, Esq., Bishop Stortford, Herts 
 JONES GIFFORD NASH, Es(i., Bishop Stortford, Herts 
 THOMAS NEWMAN, Esq., Hertingfordbury, Herts 
 EDWARD DRURY RAYMLNT, Esq., Junr., Hertford 
 JOHN W. SMITH, Esq., The Bury, Stevenage, Herts 
 JOHN SMITIIERMAN, Esq., Hertford 
 SEPTIMUS WARNER, Esq., Iloddesdon, Herts 
 WILLIAM JAMES WEBB, Esq., Stamboro', Hatfield, Herts 
 CHARLES YOUNG, Esq., Hertford 
 
 Bankers— THE HERTFORD BANK 
 
 Medicai Referee— JOHN DAVIS, Esq., M. D., Hertford 
 
 Local Manager and Secretary— MR CHARLES BROWNING 
 
 Branch Offices— FORE STi« ET, HERTFORD 
 
 Leeds Board. 
 
 Chairman— JOSEPH RICHARDSON, Esq., Mayor of Leeds 
 JOSEPH WALKER,Esq., Colton, near Leedrj 
 MR. ALDERMAN WILSON, Leeds 
 Bankers— THE LEEDS BANKING COMPANY 
 
 Medical Referees. 
 
 G. P. SMITH, Esq, M. D., Leeds 
 
 JAMES COLES, Esq, Woodhouse Lane, Leeds 
 
 Local Managkr and Secretary — MR J. S. WOOD 
 Branch Offices— 5, SOUTH PARADE, LEEDS 
 
 V 
 
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 I 
 
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 6 
 
 UNITY INSURANCE ASSOCIATIONS. 
 
 Liverpool Board. 
 
 Director a. 
 
 CifAtnMAN--Tl. noWLTNSON, Esq, Fftlknor E.iuare, Liverpool 
 THOMAS BRANril, Kh<|, Ifiuiovt-r Street, and Uockferry 
 WILFilAM M'MILIjAN, E9(|, Surrey Street, and L"rk lione 
 KOriKllT IMIOCTKU, Esii, Uruimwifk Street, ami Waterloo, Crosby 
 THOMAS IIYMEK, Esq, South Castle Street, and Hirkenhead 
 JOir.V SMITH, Es(|, 11, Lord Street, nml Waterloo, Crosby 
 JOSEl'H WlllTAKKll, E8(i, Lancester Uuildings, and Seaforth 
 
 Bankeps— LIVERPOOL BRANCH OF THE BANK OF ENGLAND 
 
 Medkrl Referees. 
 
 GEORGE GILL, Esq, Soho Street, Liverpool 
 ^ ELLIS JONES, Esq, Upper Isllrigton, Li\crpool 
 
 Local Manage.i— MR JOHN SMITH 
 Local Sei;ketauv— MR G. WIGHTMAN 
 BRASCn OFFiCEa— 11, LORD p-^REET, LIVERPOOL 
 
 Nottinghamsliire, Derbyshire, Leicestershire Board. 
 
 Directors. 
 
 WILLIAM BATES, Esq, Friar's Causeway, Leicester 
 
 THOMAS BAYLE\', Esq, Park Side, Nottingham 
 
 JONATHAN BRADLEY, Esq, Stodiaan Street, Newark 
 
 JOB BllANDSHAW, Esq, Nottingham 
 
 JOSEPH W. BRANSTUN, Esq, Newark, Notts 
 
 ROBKRT BISHOP, Es(|, Castlcj^ate, Newark 
 
 NATHAN COOPER, Esq, Mansfield, Notty 
 
 THOMAS CORAH, Esq, Screptoft Hall, and Qranby St., Leicester 
 
 JOHN ISAAC MARFLEET, Esq, Winthrope, Notts 
 
 EDWARD MUNK, Es((, The Park, Nottingham 
 
 GEORGE BLAK^ NORMaN, Esq,M. R. C. S, Ilkeston, Derbyshire 
 
 WILLIAM RAGSDALE, Esq, Trent Bridge, Mayor of Newark 
 
 FRANCIS E. SHIPLEY, Es(;, Junr, llempshill Hall, nr.Nottingham 
 
 GEORGE E. STANGER, Esq. F. R. C, S, St. James' Street, Nottingham 
 
 IirOlI ECCLES W^VLKF'l, Esq, Chesterfield, Derbyshire 
 
 JAMES BALL WHITE, Esq, Chesterfield, Derbyshire 
 
 Bankers— MESSRS. MOORE and ROBINSON 
 
 Medical Referee— GEORGE STANGER, Esq, F. R. C. S. Nottingham 
 
 Solicitor— W, PARSONS, Esq. 
 
 Local Manager and Secretary— MR HENRY IIUDSTCN 
 
 Branch Offices- -WHEELER GATE, NOTTINGHAM 
 

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 UNIT\ INSURANCE A8aOCI.^TION9. 
 
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 Horiolk, Suffolk, and vJambridgeshire Board 
 
 Director:,. 
 Cn.viBMAK— RJ'II VllD WriTK, K!S(|, Stoke Holy Cross, Norwich 
 DKriTV-CiiAinsi^s— Mil ALDKUMAN HaLI;, ') swicb Howl, Norwich 
 
 R. H. HAAS, K.-f|, Ilalcsworth 
 
 JOHN W. CliMlKK, K^^(i, I lif.'Iibury A*illa, IJracondale, Norwich 
 .lOir.s DKNNIS, Kx(|. The hiy.-, v'sini'iritlne 
 JOHN llALfi, I'.Mi, TruhipiiiKloii Htroet, Ciiinhi iilgo 
 IlhNllY .MI IJiKU, K»<i, Sunny Street, Norwich 
 T. R. KLLl^i, Ks<|,<)Mieiiil H;,li, Norfolk 
 T. ETlIEKlD'lh, K:«|, Hafkh;ivih 
 T. W. G«MNUEH Eh(;, Strethiim Orange, K'y 
 T. n. T^l '.ELL, Es(|, lledenham 
 JOHN IV . JATE, Ks«i, Norwir-h 
 WllilJ.v^s SAL^i()\, K^q, lluiy ot IMmunds 
 THOMAS S'lAliLOW, Eso, Sidney Street, CamliridBC 
 JOHN STEVENSON, Fh(|, St Mary's I'lnoc, Lincoln 
 iUnkeUo— MESSRS. OLRNEV & CO. 
 
 Medical Referees. 
 
 W. n. RANKING. E8(|, M.D. T.v.v.b 
 
 \V. CADOE, E8(|, F. R. C. S. 
 
 SouciToiw— MESSRH. MILl-Kiv AND SON 
 
 SURVKYOR— FRANCIS CLOWES, Esq 
 
 Local Max.\gi;u and Sk< uktauy— MR. ALFRED WILLIAM RAY 
 
 UuANcn Offices— 79, ST. GILES' STREET, NOUWICH 
 
 Warwickshire, WorceBtei.^>iire, and Staffordshire Board. 
 
 Directors. 
 
 Chairman— MR ALDERMAN IIAWRES, i mingham 
 
 JOHN BOUCHER, Es(i, Edjihaston, Birmingham 
 
 CHARLES DOLLMAN, Esq, Dale End, Birnlin^;llara 
 
 W. E. JOHNSON E8(|, M. ii. C. S, Dudl y 
 
 JOHN MISTER, Esr;, Round Hills, Aston Manor, Birmingham 
 
 WILLIAM READ. Esq, Coventry 
 
 WILLIAM RODEN, Esq, M. D, Kidderminster 
 
 T^IOMAS TOWNSEND, Es.j, Coventry 
 
 HENRY SIMONS, E.-i(i, Grove House, Handsworth, Birmingham 
 
 FRANCIS WOODWARD, Es(|, W^)rcester 
 
 Bankers- THE TOWN AND DISTRICT BANK 
 
 Medical Referees. 
 
 JOHN SIMONS, E9(|, Birmingham 
 
 JOHN BRIT DAVIES, Esq, M. D, Newhall Street, Birmingham 
 
 GEORGE ELKINGTON, Es<i. M. R. 0. S, Frederick Street, Islington 
 
 SoLlciTon— T. a. T. HODGSON, Esq, Waterloo Street, Birmingham 
 SiRVBYOE— SAMUEL HEMMING, Ec(i 
 Local Manager and Secretaky— MR MATTHEW SMART 
 
 Branch Ofp '•.s. 
 Unity Buildi-^gs, Temple Sliket, BiRi:iNonAM. 
 
iMltiiii 
 
 HMMMIilHi 
 
 8 
 
 UNITY INSUUANCE ASSOCIATIONS. 
 
 Local managers and Branch Offices. 
 
 a 
 
 det< 
 Am 
 of] 
 con 
 
 HlltMINGUAM - - - 
 
 Bkadkord, Yorksuire 
 Urkjuton - - - 
 
 ExBTBlt .... 
 
 (h.ASGOW . . .. ^ 
 
 Hertford - - - 
 iiolmfirth - - - 
 
 0RAVE3ESD - - - 
 
 Leeds ... 
 Liverpool 
 Manchfsteh - 
 nortuampton 
 Norwich - - 
 nottikgham - 
 Sheffield - - 
 socthamptos 
 
 Mr MATTHEW SMART, Unity Buildings, 
 Temple Street 
 
 Mr J. E. TAYLOR, 24, Market Street 
 
 Mr ARTHUR VEYSEY, 4, Pavilion Buildings 
 
 Mr C. WESCOMB, 5,Soutliernhay 
 
 Mr J. F. WIELAND. 8, Royal Exchange Square 
 
 Mr CHARLES BROWNING, Fore Street 
 
 Mr S. WIMPENNY, Holmflrth 
 
 Mr E. W. Q. EVANS, 100, Milton Road, 
 Gravesend 
 
 Mr J. S. WOOD, 5, South Parade 
 
 Mr JOHN SMITH, 11, Lord Street 
 
 Mr GEORGE HINDE,31, Piccadilly 
 
 Mr PETER DERBY, Drapery 
 
 Mr A. W. RAY, 72, St (files Street 
 
 Mr HENRY HUDSTON, Wheeler Gate 
 
 Mr HENRY BACH, 67, Market Place 
 
 Mr WILLIAM BROOKS, 2, High Street 
 
 Co 
 
 
UNITY INSURANCE ASSOCIATIONS. 
 
 9 
 
 BItlTISH AMERICA. 
 
 The Londou Directories of these Associations, having 
 determined to extend to the British Provinces of North 
 America their principles and advantages, a Cei'ral Board 
 of Management has been provisionally formed in Halifax, 
 consisting of the undermentioned gentlemen : — 
 
 Central i3oar^. 
 
 The Hon. Joseph Howe, Chairman. 
 
 Benjamin Wier, Esq. M.P.P. 
 John Tobin, Esq. M.P.P. 
 Donald Murray, Esq. 
 William J. Stairs, Esq. 
 
 Solicitor. 
 Peter Lynch, Esq. 
 
 13ankcr0. 
 Bank of British North America. 
 
 illebical (Officers. 
 The Hon. William Grigor, M.D. 
 Patrick Edward Molloy, M.D. 
 
 ^rcliitect aub Suruenor. 
 
 William Finlay, Esq. 
 
 Secretarn. 
 
 Mr. J. H. Liddell. 
 
 (DfFlCC. 
 
 Corner op Prince Street and Bedford Row, over the 
 Merchants' Exchange Reading Room. 
 
inim**mxiiimminm«imm;^^-mm>t-'tv. .■..<j,«t*,i 
 
 10 
 
 UNITY INSURANCE ASSOCIATIONS. 
 
 The Unity Associations consist ef — 
 
 1. The Unity Firo Insurance Association— Capital : 
 £2,000,000 Sterling, divided into Two Million Shares of 
 £1 each, and 
 
 2. The Unity General Assurance Association— Capital: 
 £500,000 Sterling, divided into Two hundred and fifty 
 Thousand Shares of £2 each. 
 
 These Associations, though distinct in their origin, 
 Deeds of Settlements, Stock Lists and Direction, are in 
 a groat measure combined in the Mother Country, and 
 will be entirely so in the Provinces, where the Central 
 Boards, Managers arid Agents, will, in all cases, represent 
 both. 
 
 Some brief account of the origin, progress and success, 
 of these Institutions, will be expected by the enterprising 
 and intelligent population of British America, among 
 whom their Branches are ab )Ut to be established. 
 
 The Unity Fire Insurance Association of London was 
 founded, incorporated, and commenced business in 1852. 
 It has, in the short space of three years, met with almost 
 universal approbation and unprecedented success. 
 
 The Lenity Fire is the youngest office but four whose 
 operations arc recorded in Hyde Clarke's " Statistics of 
 Fire Insurance for 1854." In that year it had already 
 outstripped 22 of the other offices (some of them established 
 as early as 1096) in the amount of Its business, insuring 
 property to the extent of £10,232,000. Fourteen other 
 offices, some of them established as early as 1710, stood 
 in 1854 above the Unity in the aggregate amount of the 
 property insured ; but the popukirity of the Unity, and the 
 character of the competition to which the older offices are 
 hencefoith to be subjected, will be best understood by 
 looking at the comparative returns of new business done in 
 1854. In that year the new business of the Unity Fire 
 
■aiHiAt 
 
 UNITY INSURANCE ASSOCIATIONS. 
 
 11 
 
 Associations exceeded that of the " Sun," the oldest ofl&ce 
 in England, by £1,516,000, and of all the other offices by 
 £4,716,000. 
 
 Up to the latest period in 1855, to which accounts 
 have been closed, 26,753 Policies have been issued by 
 this Association, insuring property against Fire to the 
 extent of £18,450,778. 
 
 The Unity Life Association has become quite as 
 popular, and compared with any ether Life Office has 
 been eminently successful. It was established upon broaa 
 principles in close connectic^n with the Fire Association ; 
 and the Trafalgar Office, with a premium income of 
 £20,000, and its organized Agencies throughout England, 
 merged into it. So active is the system and so 
 acceptable are the principles of this Association, that 
 1151 Policies, insuring Lives to the extent of £360,161 
 Sterling, have been completed within the past eleven 
 
 months. 
 
 The questions will naturally arise, how is it, that in 
 fields so trodden, and apparently exhausted, harvests so 
 abundant can have been secured by those who have so lately 
 entered into competition'.' The business of Insurance has 
 become so intimately inte.-woven with the arrangements of 
 civilization, that it forms a great interest, employs much 
 capital, and deeply concerns a multitude of people. Out 
 of the daily transaction of this business, in the lapse of 
 centuries, facts were accumulated, from which general prin- 
 ciples were deduced almost as unerring as the laws of 
 nature. The aim of all the offices was to make money. 
 The strong desire of the world at large was, to secure a 
 certain assurance, at the least possible sacrifice of their 
 pecuniary resources. To combine these aims and objects 
 was the great desideratum sought by ingenious and labo- 
 rious men. The projectors of the Unity Associations 
 saw, b; union and combination— by making it easy for 
 every body to own moderate portions of stock — every 
 body would become interested in the business of insurance, 
 
fesniSaift 
 
 ii^ 
 
 m 
 
 12 
 
 UNITY INSURANCE ASSOCIATIONS. 
 
 and in the protection of property. They demonstrated, 
 that an Insurance Office, of which five aen owned the 
 Stock, could not be so popular, so secure, so profitable, as 
 if the stock were owned by five thousand. The Stock of 
 the Unity was disposed of with a careful regard to this 
 vital principle. In thirteen months One Million of Pounds 
 Sterling in the Fire Office was subscribed for by 5000 
 Shareholders, and a local management formed in most of 
 the principal cities in England. The Stock, eagerly sought 
 after, soon rose to high premium, and yet the ground 
 intended to be occupied was only partially covered, and 
 the Colonial field was not entered upon at all. With the 
 consent of the original Stockholders, and upon terms 
 which were regarded as fair to them, another Million of 
 Stock was created. The Capital of the Association is now 
 Two Millions of Pounds Sterling, and a portion of the 
 Stock may be purchased at the Colonial Offices. 
 
 Advantages to Assurers in the Unity Fire. 
 A Participation in Two-Tuirds of the Profits. 
 
 1. 
 
 Advantages to Assurers in the Unity Life. 
 -No Entrance Money, Admission Fee, or 
 
 Policy Stamp, required from the Assurer. 
 
 2.— Moderate Rates of Premium ofi'ering peculiar 
 
 advantages to young lives. 
 
 3.— The Benefits of Mutual Assurance without its 
 
 liability. 
 4.— Participation in Profits, and the additional 
 
 advantages of an Annuity and Educational 
 
 Funds. 
 5.~-PoIicies absolutely Indisputable, by which 
 
 all doubt and litigation are avoided. 
 6.— Policies need never be forfeited, after payment 
 of five years' premiums. 
 
 I 
 
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 !■■ 1 1,-., 
 
 WMl 
 
 A- ii->-aM^. iifcJ t '<^ '* 
 
 UNITY INSUiUNCK ASSOCIATIONS. 
 
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 7.— Premiums may be paid annually, half-yearly, 
 
 or quarterly. 
 8.— Thirty Days Grace allowed for the Payment of 
 Renewal l^-eniiums on Annual Policies and Fif- 
 teen Days on those paid half-yearly or ciuarterly. 
 0.— Lapsed Policies may be redeemed witnin three 
 months, upon satisfactory evidence of unimpaired 
 health, by payment of a fine of ten shillings 
 per cent, and the premium in arrear together 
 with the interest thereon. 
 10. — All claims on policies paid within three months 
 after satisfactory proof of deaths 
 
 11»— In all cases of Suicide, Duelling, or Deaths by 
 the hands of Justice, the Associatioa will 
 
 pay claims under policies bona fide and legally 
 assigned ; but where the policy is held by the 
 assurer, at the time of his death, the premiums 
 paid will be returned to his representatives; 
 
 -Officers in the Army or Wavy assured at ordi- 
 nary rates, when not engaged in actual service. 
 
 -Transfer of Policies by Special Endorsement 
 without charge. 
 
 -No Extra Premiums required in time of peace, 
 from persons travelling to or residing in Europe, 
 Australasia, Bermuda, Madeira, Cape of Good 
 Hope and Prince Edward Island. 
 15.— Tables of Premiums to cover every risk and 
 contingency, whether for Families, Joint Lives 
 or Individuals. 
 
 12.- 
 13.- 
 14.- 
 
 Agencies will be at once established in all the prin- 
 cipal cities and towun of Nova Scotia, New Brunswick, 
 Ne>Ffoundland and Prince Edward Island, and Local 
 Directories wherever they may sdem to be required. 
 
 Applications for Insurance — Life or Fire — Shares and 
 Agencies — to be made to the Secretary, Merchants' Ex- 
 change BuildiMi^, Halifax.