.0 ... %*^ 
 
 IMAGE EVALUATION 
 TEST TARGET (MT-3) 
 
 1.0 
 
 I.I 
 
 1.25 
 
 |50 ™"^^ 
 
 •4£ IM 
 
 1^ 
 
 
 IM 
 
 22 
 
 1 2.0 
 
 1.8 
 
 U ill 1.6 
 
 V] 
 
 <? 
 
 ^;. 
 
 a 
 
 i-f'^ 
 
 s 
 
 M 
 
 
 Pnotograpiiic 
 
 Sciences 
 Corporation 
 
 23 WEST MAIN STREET 
 
 WEBSTER, N.Y. 14580 
 
 (716) 872-4503 
 
 t^v 
 
 ^ 
 
 \ 
 
 \ 
 
 ^9) 
 
 V 
 
 % 
 
 
 l> 
 
 ^^ 
 
 u 
 
 ^<i> 
 

 CIHM/ICMH 
 
 Microfiche 
 
 Series. 
 
 CIHIVI/ICMH 
 Collection de 
 microfiches. 
 
 Canadian Institute for Historical Microreproductions / Institut Canadian de microreproductions historiques 
 
 \ 
 
 O^ 
 
 •^ 
 
Technical and Bibliographic Notes/Notes techniques et bibliographiques 
 
 The Institute has attempted to obtain the best 
 original copy available for filming. Features of this 
 copy which may be bibliographically unique, 
 which may alter any of the images in the 
 reproduction, or which may significantly change 
 the usual method of filming, are checked below. 
 
 [zr 
 
 D 
 
 Coloured covers/ 
 Couverture de couleur 
 
 Covers damaged/ 
 
 i I Couverture endommagde 
 
 □ Covers restored and/or laminated/ 
 Couverture restaurde et/ou pelliculde 
 
 Cover title missing/ 
 
 Le titre de couverture manque 
 
 L'Institut a microfilm^ le meilleur exemplaire 
 qu'il lui a 6t6 possible de se procurer. Les details 
 de cet exemplaire qui sont peut-dtre uniques du 
 point de vue bibliographique, qui peuvent modifier 
 une image reproduite, ou qui peuvent exiger une 
 modification dans la m^thode normale de filmage 
 sont indiquds ci-dessous. 
 
 □ Coloured pages/ 
 Pages de couleur 
 
 I — I Pages damaged/ 
 
 D 
 
 Pages endommagdes 
 
 Pages restored and/or laminated/ 
 Pages restaurdes et/ou pellicul6es 
 
 r~VPages discoloured, stained or foxed/ 
 1 ^1 Pages ddcolories, tachetdes ou piqu6es 
 
 TV 
 to 
 
 7} 
 
 P< 
 of 
 fit 
 
 Oi 
 b< 
 th 
 si 
 
 01 
 
 fii 
 si 
 
 01 
 
 □ Coloured maps/ 
 Cartes gdographiques en couleur 
 
 □ Coloured ink (i.e. other than blue or black)/ 
 Encre de couleur (i.e. autre que bleue ou noire) 
 
 □ Coloured plates and/or illustrations/ 
 Planches et/ou illustrations en couleur 
 
 D 
 
 n 
 
 D 
 
 Bound with other material/ 
 Reli6 avec d'autres documents 
 
 Tight binding may cause shadows or distortion 
 along interior margin/ 
 
 Lareliure serr^e peut causer de I'ombre ou de la 
 distortion le long de la marge int^rieure 
 
 Blank leaves added during restoration may 
 appear within the text. Whenever possible, these 
 have been omitted from filming/ 
 II se peut que certaines pages blanches ajoutdes 
 lors d'une restauration apparaissent dans le texte, 
 mais, lorsque cela dtait possible, ces pages n'ont 
 pas 6t6 film^es. 
 
 □ Pages detached/ 
 Pages ddtachdes 
 
 r~Vshowthrough/ 
 L^ Transparence 
 
 □ Quality of print varies/ 
 Quality indgale de I'impression 
 
 I I Includes supplementary material/ 
 
 D 
 
 D 
 
 Comprend du matdriel supplementaire 
 
 Only edition available/ 
 Seule Edition disponible 
 
 Pages wholly or partially obscured by errata 
 slips, tissues, etc., have been refilmed to 
 ensure the best possible image/ 
 Les pages totalement ou partiellement 
 obscurcies par un feuillet d'errata, une pelure, 
 etc., ont 6t6 filmdes d nouveau de fapon d 
 obtenir la meilleure image possible. 
 
 n 
 
 si 
 
 Tl 
 w 
 
 IVI 
 dl 
 •I 
 b< 
 ri« 
 rfl 
 m 
 
 n 
 
 Additional comments:/ 
 Commentaires suppldmentaires: 
 
 This item is filmed at the reduction ratio checked below/ 
 
 Ce document est filmi au taux de reduction indiqu6 ci-dessous. 
 
 10X 14X 18X 22X 
 
 12X 
 
 7f 
 
 16X 
 
 20X 
 
 26X 
 
 30X 
 
 24X 
 
 28X 
 
 32X 
 
Tha copy filmed hers has baan raproducad thanks 
 to tha ganarosity of: 
 
 Archives of Ontario 
 Toronto 
 
 Tha imagas appaaring hara ara tha bast quality 
 possibia considaring tha condition and lagibility 
 of tha original copy and in Icaaping with tha 
 filming contract spacifications. 
 
 Original copiaa in printad papar covars ara fiimad 
 beginning with tha front cover and ending on 
 tha last page with a printad or iiluatratad imprea- 
 sion, or tha bacic cover when appropriate. All 
 other original copiaa are filmed beginning on the 
 first page with a printad or iiluatratad impraa- 
 sion, and ending on the last page with a printad 
 or illustrated impression. 
 
 L'exempiaire filmA fut reproduit grice i la 
 g^nirositi da: 
 
 Archives of Ontario 
 Toronto 
 
 Lea images suivantea ont 4ti reproduites avac la 
 plua grand soin, compta tenu de la condition at 
 da la netteti de l'exempiaire filmA. et an 
 conformity avac lea conditions du contrat de 
 filmage. 
 
 Lea axemplairea originaux dont la couverture an 
 papier est imprimte sont filmte en commenqant 
 par le premier plat et an terminant soit par la 
 derniAre page qui comporte une empreinte 
 d'Impreasion ou d'illustration, soit par la second 
 plat, selon le cas. Tous lea autras axamplairas 
 originaux sont filmte an commandant par la 
 premiere page qui comporte une empreinte 
 d'impreaaion ou d'illuatration at an terminant par 
 la darniire page qui comporte une telle 
 empreinte. 
 
 The laat recorded frame on each microfiche 
 shall contain tha symbol —»•( meaning "CON- 
 TINUED"), or the symbol V (meaning "END"), 
 whichever appliaa. 
 
 iVIapa. plates, charts, etc.. may be filmed at 
 different reduction ratioa. Thoae too large to bo 
 entirely included in one expoaure are filmed 
 beginning in the upper left hand comer, left to 
 right and top to bottom, as many framaa aa 
 required. The following diagrama illustrate the 
 method: 
 
 Un dee symboios suivants apparaitra sur la 
 damlAre image de cheque microfiche, selon le 
 eaa: la symbols ^»> signifie "A SUIVRE", le 
 symbols V signifie "FIN". 
 
 Lea cartea, pianchea, tableaux. Rtc. pauvent dtre 
 filmte d dee taux de rMuction diffirents. 
 Lorsque le document est trop grand pour dtre 
 reproduit en un seul clichA. il est filmi d partir 
 do I'angle supArieur gauche, de gauche d droite. 
 at de haut en baa, en prenant le nombre 
 d'Images n^cessaira. Lea diagrammes suivants 
 iilustrent la m^thoda. 
 
 1 2 3 
 
 32X 
 
 1 
 
 2 
 
 3 
 
 4 
 
 5 
 
 6 
 
Q^ 
 
 :0>— <:J*f- 
 
 an 
 
 VSB OO&OmAK 
 
 LIFE ASSURANCE COMPAMY. 
 
 J 
 
 CAPITAL, £1,000,000 STEELING. 
 THE RIGHT HONORABLE 
 
 THE EARL OF ELGIN AND KINCARDINE. 
 
 (HEAD OFFICE.) 
 
 BOARD OF DIBECTOBS. 
 
 GEORGE PATTON, Esq., Advocate, Chairman. 
 
 W. J. Duncan, Esq., Manager of 
 
 the National Bank of Scotland. 
 Alex. James Rubsbll, Esq., 0. S. 
 William Stuart Walker, Esq., 
 
 of Bowland. 
 J. Duncan, Esq. Merchant, Leith. 
 
 Charles Pearson, Esq., C. A. 
 James Robertson, Esq., W. S. 
 Georob Ross, Jun., Esq., Advocate 
 Andrew Wood, Esq., M. p. 
 John Robert Tod, Esq., W. S. 
 H. Maxwell Inglis, Esq., W. S. 
 
 Henry Davidson, Esq,. Merchant. 
 THE ROYAL BANK OF SCOTLAND. 
 
 WILL. THOS. THOMSON. 
 
 CHARLES PEARSON. 
 
 D. CLUNIE GREGOR. 
 
 HEAD OFFICE, MONTREAL, 49 Great St. James Street. 
 Hon. PETER M'GILL, President of the Bank of Montreal, Chairman. 
 
 
 The Hon. Justice M'Cord. 
 The Hon. A. N. MoRiN. 
 B. H. Lbmoine, Esq., Cashier of 
 " La Banque du Peuple. 
 
 John Ogilvy Moffatt, Esq., 
 
 Merchant. _ 
 
 Henry Starnbs, Esq., Mer 
 
 chant. 
 
 
 A. DAVIDSON PARKER. 
 
 - — ■t*^>^-<Ci' 
 
 -/: 
 
 .»' ,- 
 
^- ,•'■ '%, 
 
 
 ? 
 
 
 ^^ixXvi^^^"^ '^M9- 
 
 V ■■ * 
 
 ■' ^ ■■ 
 
 — 
 
 
 
 
 
 
 B. 
 « 
 
 
 
 
 < . 
 
 
 - 
 
 
 
 
 
 
 ■■^'v 
 
 
 
 
 
 
 « 
 
 i 
 
 
'*'1 
 
 ■^■ti' 
 
 /y\ 
 
 TBS COIiONXAXi 
 
 LIFE kl 
 
 CAPITAL, £1,000,000 STEELING. 
 
 THE EIGHT HONORABLE 
 
 THEEARL OF ELGIN AND KINCARDINE. 
 
 (HEAD OFFICE.) 
 BOABD OF DIBEGTOBS. 
 
 GEORGE PATTON, Esq., Advocate, Chairman. 
 
 Charles Peaeson, Esq., C. A. 
 James Robertson, Esq., w. b. 
 George Ross, Jun., Esq., Advocate 
 Andrew Wood, Esq., M. D. 
 John Robert Tod, Esq., w. S 
 
 W. J. Duncan, Esq., Manager of 
 the National Bank of Scotland. 
 
 Alex. James Ritssell, Esq., C. S. 
 
 William Stuart Walker, Esq., 
 of Rowland. 
 
 IOlASwELLlNSiisT&^^ J. DUNCAN. Esq. Merchant, Leith. 
 
 Henry Davidson, Esq,. Merchant. 
 
 THE ROYAL BANK OF SCOTLAND. 
 
 ^ctuarjt. 
 
 WILL. THOS. THOMSON. 
 
 ^utrtt0t. 
 
 CHARLES PEARSON. 
 
 ^ecrttarji, 
 
 D. CLUNIE GREGOR. 
 
 HEAD OFFICE, MONTREAL, 49 Great St. James Street. 
 Hon. PETER M'GILL, President of the Bank of Montreal, Chairman. 
 The Hon. Justice M'CoRD. "" ~ 
 
 The Hon. A. N. Morin. , 
 B. H. Lemoine, Esq., Cashier of 
 *' La Bauque du Peuple.' 
 
 John Ogilvy Moeeatt, Esq., 
 Merchant. 
 
 Henry Staenbs, Esq., Mer- 
 chant. 
 
 jMsiiao-er. 
 A. davidson'pabker. 
 
 ' I 
 
THE COLONIAL 
 
 iiFE ASsyMiiE mmmm^ 
 
 TABLE OF RATES. 
 
 I'or an Assurance of £100 with and without Profits^ 
 covering risk of residence in Europe^ British North 
 America^ Northern part of United States, Cape 
 Colony, Australia. 
 
 CLASS A. 
 
 
 Annual. 
 
 Annual 
 
 
 Annual 
 
 Annual 
 
 Age. 
 
 Premium 
 
 Premium 
 
 Age. 
 
 Premium 
 
 Premium 
 
 without 
 
 with 
 
 without 
 
 with 
 
 15 
 
 Profits. 
 
 Profits. 
 
 40 
 
 Profits. 
 
 Profits. 
 
 £\ 11 2 
 
 £1 14 
 
 £3 
 
 £3 6 6 
 
 20 
 
 1 15 1 
 
 1 18 4 
 
 41 
 
 3 2 
 
 3 7 8 
 
 21 
 
 1 16 
 
 1 19 4 
 
 42 
 
 3 4 
 
 3 9 10 
 
 22 
 
 1 16 10 
 
 2 3 
 
 43 
 
 3 6 1 
 
 3 12 1 
 
 23 
 
 1 17 » 
 
 2 12 
 
 44 
 
 3 8 5 
 
 3 14 7 
 
 24 
 
 1 18 9 
 
 22a 
 
 45 
 
 3 10 9 
 
 3 17 3 
 
 25 
 
 1 19 8 
 
 2 3 3 
 
 46 
 
 3 13 3 
 
 3 19 11 
 
 26 
 
 2 9 
 
 2 4 5 
 
 47 
 
 3 16 
 
 4 3 
 
 27 
 
 2 1 10 
 
 2 5 7 
 
 48 
 
 3 18 10 
 
 4 6 
 
 28 
 
 2 2 11 
 
 2 6 10 
 
 49 
 
 4 2 
 
 4 9 5 
 
 29 
 
 2 4 
 
 2 8 
 
 50 
 
 4 6 3 
 
 4 13 
 
 30 
 
 2 5 2 
 
 2 9 4 
 
 51 
 
 4 8 10 
 
 4 16 11 
 
 81 
 
 2 6 5 
 
 2 10 7 
 
 52 
 
 4 12 8 
 
 5 1 1 
 
 32 
 
 2 7 8 
 
 2 12 
 
 53 
 
 4 16 10 
 
 5 5 7 
 
 33 
 
 2 9 
 
 2 13 6 
 
 54 
 
 5 15 
 
 5 10 7 
 
 34 
 
 2 10 5 
 
 2 15 
 
 55 
 
 5 6 4 
 
 5 16 
 
 36 
 
 2 11 10 
 
 2 16 7 
 
 56 
 
 5 11 6 
 
 6 1 8 
 
 36 
 
 2 13 5 
 
 2 18 3 
 
 57 
 
 5 16 10 
 
 6 7 5 
 
 37 
 
 2 14 11 
 
 2 19 11 
 
 58 
 
 6 2 6 
 
 6 13 7 
 
 38 
 
 2 16 7 
 
 3 18 
 
 59 
 
 6 8 6 
 
 7 2 
 
 39 
 
 2 18 4 
 
 3 3 7 
 
 60 
 
 6 14 11 
 
 7 7 1 
 
 These Premiums cpn also be paid by half-yearly or quarterly 
 instalments, or undr? Half-credit system. 
 
CLASS 
 
 A. 
 
 Persons Assured in this Class have permission to reside- 
 In BRITISH NORTH AMERICA. 
 In any part of the UNITED STATES of NORTH AMERICA, 
 
 to the northward of the southern boundaries of the STATES of 
 VIRGINIA and KENTUCKY, eastward of the lOO^ of west 
 longitude ; and from 80th November to 1st June persons may 
 travel or reside in any part of tlie United States and Territories 
 as organized in 184'7. Residence to the southward and west- 
 ward of the above limits charged at an increased rate, according 
 to circumstances. 
 
 In any part of EUROPE. 
 
 In the MAURITIUS. 
 
 In AFRICA (Cape Colony), to the southward of 30 « of 
 south latitude. 
 
 In AUSTRALIA (including NEW ZEALAND), to the south- 
 ward of SQo of south latitude. The northward of that limit 
 charged at an increased rate, according to circumstances. 
 
 VOYAGES. 
 
 Persons Assured in this Class have permission to pass— 
 
 From any part of NORTH AMERICA to another, within 
 the limits before specified, without extra charge. 
 
 Betwixt any EUROPEAN Port and any NORTH AMERICAN 
 Port within the above limits, without extra charge. 
 
 From any part of EUROPE to another, without extra charge. 
 
 From any EUROPEAN Port to the CAPE OF GOOD HOPE 
 or MAURITIUS, without extra charge. 
 
 From any EUROPEAN or NORTH AMERICAN Port within 
 the above limits to AUSTRALIA or NEW ZEALAND, at £1 
 per cent, each voyage. 
 
 PERSONS Assured in this Class may proceed to those paits of the 
 world embraced by any other Class, paying the correyonding 
 Premium, in terms of General Regulations and Conditions. 
 
CLASS 
 
 A. 
 
 BATES, by Annual Payments, for Assurance of £100, to be paid 
 at the Death of a Party, if it shall happen within a certain 
 specified term of years. 
 
 
 ( 
 
 DXE 
 
 
 
 FIVE 
 
 
 SEVE3r 
 
 
 TEN 
 
 
 AOE. 
 
 GH. 
 
 TEAE 
 
 • 
 
 YEAES. 
 
 YEAES. 
 
 YEAES. 
 
 
 
 £ 
 
 s. 
 
 d. 
 
 £ 
 
 s. 
 
 d. 
 
 £ 
 
 a. 
 
 d. 
 
 £ 
 
 8. 
 
 d. 
 
 
 15 
 
 
 
 16 
 
 U 
 
 
 
 17 
 
 9 
 
 
 
 18 
 
 1 
 
 
 
 18 
 
 11 
 
 15 
 
 ]6 
 
 
 
 17 
 
 4 
 
 
 
 18 
 
 3 
 
 
 
 18 
 
 10 
 
 
 
 19 
 
 5 
 
 16 
 
 17 
 
 
 
 17 
 
 10 
 
 
 
 18 
 
 9 
 
 
 
 19 
 
 2 
 
 
 
 19 
 
 10 
 
 17 
 
 18 
 
 
 
 18 
 
 3 
 
 
 
 19 
 
 2 
 
 
 
 19 
 
 8 
 
 
 
 
 4 
 
 18 
 
 19 , 
 
 
 
 18 
 
 9 
 
 
 
 19 
 
 8 
 
 
 
 
 2 
 
 
 
 
 11 
 
 19 
 
 20 
 
 
 
 19 
 
 3 
 
 1 
 
 
 
 2 
 
 
 
 
 8 
 
 1 
 
 1 
 
 5 
 
 20 
 
 21 
 
 
 
 19 
 
 8 
 
 
 
 
 8 
 
 
 1 
 
 2 
 
 
 2 
 
 
 
 21 
 
 22 
 
 
 
 
 3 
 
 
 1 
 
 3 
 
 
 1 
 
 11 
 
 
 2 
 
 7 
 
 22 
 
 23 
 
 
 
 
 8 
 
 
 1 
 
 10 
 
 
 2 
 
 4 
 
 X 
 
 3 
 
 1 
 
 23 
 
 24 
 
 
 1 
 
 4 
 
 
 2 
 
 4 
 
 
 2 
 
 11 
 
 1 
 
 -•• 
 
 3 
 
 9 
 
 24 
 
 25 
 
 
 1 
 
 11 
 
 
 2 
 
 11 
 
 
 3 
 
 6 
 
 
 4 
 
 4 
 
 25 
 
 2fi 
 
 
 2 
 
 5 
 
 
 8 
 
 6 
 
 
 4 
 
 1 
 
 
 5 
 
 
 
 26 
 
 27 
 
 
 3 
 
 
 
 
 4 
 
 2 
 
 
 4 
 
 10 
 
 
 5 
 
 7 
 
 27 
 
 28 
 
 
 3 
 
 7 
 
 
 4 
 
 9 
 
 
 5 
 
 4 
 
 1 
 
 6 
 
 4 
 
 28 
 
 29 
 
 
 4 
 
 2 
 
 
 5 
 
 5 
 
 
 6 
 
 1 
 
 *■ 
 
 7 
 
 
 
 29 
 
 30 
 
 
 4 
 
 10 
 
 
 6 
 
 1 
 
 
 6 
 
 8 
 
 
 7 
 
 8 
 
 30 
 
 31 
 
 
 5 
 
 5 
 
 
 6 
 
 8 
 
 
 7 
 
 4 
 
 
 8 
 
 4 
 
 SI 
 
 32 
 
 T 
 
 6 
 
 1 
 
 
 7 
 
 5 
 
 
 8 
 
 2 
 
 
 9 
 
 1 
 
 32 
 
 33 
 
 
 6 
 
 10 
 
 
 8 
 
 1 
 
 
 8 
 
 10 
 
 
 n 
 
 10 
 
 33 
 
 34 
 
 
 7 
 
 5 
 
 
 8 
 
 10 
 
 
 9 
 
 7j 
 
 
 10 
 
 8 
 
 34 
 
 35 
 
 
 8 
 
 3 
 
 
 9 
 
 7 
 
 
 10 
 
 4 
 
 
 11 
 
 5 
 
 35 
 
 36 
 
 
 8 
 
 11 
 
 
 10 
 
 5 
 
 
 11 
 
 2 
 
 
 12 
 
 3 
 
 36 
 
 37 
 
 
 9 
 
 7 
 
 
 11 
 
 2 
 
 
 11 
 
 11 
 
 
 13 
 
 
 
 37 
 
 38 
 
 
 10 
 
 5 
 
 
 12 
 
 
 
 
 12 
 
 9 
 
 
 13 
 
 11 
 
 38 
 
 39 
 
 
 11 
 
 3 
 
 
 12 
 
 9 
 
 
 13 
 
 6 
 
 
 14 
 
 9 
 
 39 
 
 40 
 
 
 12 
 
 
 
 
 13 
 
 7 
 
 
 14 
 
 6 
 
 
 15 
 
 8 
 
 40 
 
 41 
 
 
 12 
 
 11 
 
 
 14 
 
 7 
 
 
 15 
 
 4 
 
 
 16 
 
 7 
 
 41 
 
 42 
 
 
 13 
 
 9 
 
 
 15 
 
 5 
 
 
 16 
 
 3 
 
 
 18 
 
 6 
 
 42 
 
 43 
 
 
 14 
 
 7 
 
 
 16 
 
 4 
 
 
 17 
 
 1 
 
 
 18 
 
 6 
 
 43 
 
 44 
 
 
 15 
 
 5 
 
 
 17 
 
 2 
 
 
 18 
 
 9 
 
 
 19 
 
 5 
 
 44 
 
 45 
 
 
 16 
 
 4 
 
 
 18 
 
 1 
 
 
 19 
 
 
 
 2 
 
 
 
 5 
 
 45 
 
 46 
 
 
 17 
 
 3 
 
 
 19 
 
 2 
 
 2 
 
 
 
 2 
 
 2 
 
 1 
 
 10 
 
 46 
 
 47 
 
 
 18 
 
 3 
 
 2 
 
 
 
 2 
 
 2 
 
 1 
 
 1 
 
 2 
 
 3 
 
 8 
 
 47 
 
 48 
 
 
 19 
 
 3 
 
 2 
 
 1 
 
 2 
 
 2 
 
 2 
 
 1 
 
 2 
 
 5 
 
 7 
 
 48 
 
 49 
 
 2 
 
 
 
 3 
 
 2 
 
 2 
 
 3 
 
 2 
 
 3 
 
 9 
 
 2 
 
 8 
 
 
 
 49 
 
 50 
 
 2 
 
 1 
 
 3 
 
 2 
 
 3 
 
 3 
 
 2 
 
 6 
 
 
 
 2 
 
 10 
 
 10 
 
 50 
 
 51 
 
 2 
 
 2 
 
 3 
 
 2 
 
 6 
 
 3 
 
 2 
 
 8 
 
 6 
 
 2 
 
 14 
 
 1 
 
 51 
 
 52 
 
 2 
 
 3 
 
 5 
 
 2 
 
 7 
 
 11 
 
 2 
 
 11 
 
 10 
 
 2 
 
 15 
 
 10 
 
 52 
 
 53 
 
 2 
 
 4 
 
 5 
 
 2 
 
 11 
 
 3 
 
 2 
 
 15 
 
 5 
 
 3 
 
 2 
 
 
 
 53 
 
 54 
 
 2 
 
 5 
 
 7 
 
 2 
 
 15 
 
 6 
 
 3 
 
 
 
 
 
 3 
 
 6 
 
 10 
 
 54 
 
 55 
 
 2 
 
 11 
 
 2 
 
 3 
 
 
 
 6 
 
 3 
 
 5 
 
 2 
 
 3 
 
 12 
 
 5 
 
 55 
 
 56 
 
 2 
 
 16 
 
 8 
 
 3 
 
 5 
 
 6 
 
 3 
 
 10 
 
 5 
 
 3 
 
 18 
 
 2 
 
 56 
 
 57 
 
 3 
 
 
 
 10 
 
 3 
 
 10 
 
 7 
 
 3 
 
 15 
 
 10 
 
 4 
 
 4 
 
 1 
 
 57 
 
 58 
 
 3 
 
 5 
 
 7 
 
 3 
 
 16 
 
 1 
 
 4 
 
 1 
 
 9 
 
 4 
 
 10 
 
 7 
 
 58 
 
 59 
 
 3 
 
 10 
 
 9 
 
 4 
 
 2 
 
 
 
 4 
 
 8 
 
 2 
 
 4 
 
 17 
 
 7 
 
 59 
 
 60 
 
 3 
 
 16 
 
 3 
 
 4 
 
 8 
 
 6 
 
 4 
 
 15 
 
 
 
 5 
 
 4 
 
 
 
 60 
 
The first Division of the Company's Profits took 
 place as at 25th May 1854, when a Bonus at the rate 
 of £2 per cent, per annum on all Policies effected in 
 the Participation Scheme of the Company was declared, 
 as shewn in the following Table, the examples being 
 Policies of £1000:— 
 
 Policy opened before 
 
 Origrinal Sums 
 Assured. 
 
 2yth May 1817,. 
 1818,. 
 
 " 1849,. 
 
 " 1850,. 
 1851,, 
 1852,, 
 1853, 
 1854, 
 
 £1000 
 1000 
 1000 
 1000 
 1000 
 1000 
 1000 
 1000 
 
 Bonus 
 Additions. 
 
 £160 
 
 140 
 
 120 
 
 100 
 
 80 
 
 60 
 
 40 
 
 20 
 
 Total Sums 
 Assured. 
 
 £1160 
 1140 
 
 irio 
 
 1100 
 1080 
 1060 
 1040 
 1020 
 
 Thus Sums assured before 25tli May 184Y, have 
 been increased by 1 6 per cent. 
 
 The additions to Policies of larger or smalkr amount 
 are in the same proportion. 
 
 From the wide basis on which the Company has 
 been established, — from the extensive field of business 
 which it is cultivating, — and from the success which has 
 attended its operations, the Directors look forward to 
 large future Profits available to their Policy-holders ; 
 and they do not think they over-estimate the advanta- 
 ges of the Company, in stating that no Office has ex- 
 tended its business to the Colonies of Great Britain, 
 affording so many facilities, and at the same time hold- 
 ing out the prospect of so much advantage to Assurers. 
 
These will be found moderate, and, looking to the 
 facilities and advantages afforded by the Company, 
 they may be considered more advantageous, and virtu- 
 ally less expensive, than those of any other Life Assu- 
 rance Institution doing business in the British Colonies. 
 
 These have been framed with much care, with the 
 view of making the Company's Policies available secu- 
 rities of the most perfect kind, with as much freedom 
 to the Policy-holder as may safely be granted. The 
 Directors invite particular attention to the following : — 
 
 Claims paid in British North America at the end of 
 three months, or immediately, if preferred, on 
 discount. 
 
 Policies with Proitits purcliased at any time after 
 prtj xient of one year's Premium, and Policies 
 with\ ut Profits for the whole term of life, after 
 three years' Premiums have been paid. 
 
 Age 4ND Interest admitted on the Company's Poli- 
 cies in all cases where proof is given satisfac- 
 tory to the Directors. 
 
 Thirty days of grace allowed for payment of Pre- 
 miums, and in the event of death taking place 
 during the currency of these days, before pay- 
 ment of the premium, the risk binding on the 
 Company, if payment be made before the days 
 of grace expire. 
 
 Assurances forfeited may be revived within three 
 months of the date at which the Premium be- 
 came due, on proof of health, satisfactory to the 
 Directors, and payment of a fine of ten per cent, 
 on the Premium in arrear. 
 
 No Expenses in connexion wdth obtaining Policies. 
 Medical Fees, including Fee to Private Medical 
 Attendant paid by the Company. 
 
LIFE ASSURANCE. 
 
 It is a truth that will scarcely bear reflection, that in 
 this country, and in the middle of the nineteenth 
 century, the proportion of heads of families who have 
 adopted Life x\ssurance as a provision for their depen- 
 dents is so infinitely small as to be scarcely deserving 
 credence. Can it be that its nature is so little under- 
 stood ? Or shall we say that self-love reigns predominant 
 in the hearts of those to whom this most invaluable 
 blessing is directed ? We will endeavour to lay before 
 our readers a few concise observations, which, if heeded, 
 will be conducive of welfare and happiness to these who 
 are near to us by every tie of nature. 
 
 The investigations of learned men into the law of 
 chances, and the accurate information conveyed to us by 
 recent statistics of mortality, have reduced into a science 
 that which was once looked upon as speculative. It is 
 now a well ascertained fact, proved by every day's expe- 
 rience, that out of a given number of individuals now 
 
LIFE ASSURANCE. 
 
 living, a certain jyroportion will die annually, — some few 
 live to " a good old age," but there are others who must 
 " shuffle off this mortal coil" long before the allotted age 
 of man. 
 
 Few there are, in the middle walks of life, who can 
 set aside a sum sufficient to ensure a comfortable main- 
 tenance for those who are dependent upon them for 
 support, should they die prematurely ; but how many 
 are able to spare a small portion of their life-income 
 periodically, with a little prudence and economy, to 
 invest in a Life Assurance ? Surely this is a subject 
 which ought to occupy the attention of both young and 
 old, it is of such vast importance to all classes of society. 
 However great may be our repugnance to entertain a 
 prospect of death — remote or premature as the case 
 may be — still it is certain to overtake us at last. Reader, 
 do not object, and say that you cannot afford to set aside 
 a portion of your income. Look on your family, and 
 ask yourself this question : If with the means now at 
 my command I cannot spare anything, what w^ould bo 
 their condition in the event of my death ? " The good 
 man leaveth an inheritance to his children's children," 
 says Solomon ; but what shall be said of the man who, 
 loving his children, and being beloved by them, can see 
 them growing up around him in the enjoyment of every 
 comfort in his power to provide, and yet they may De 
 suddenly, perhaps accidentally, deprived of all by the 
 snapping of a brittle thread ! What a heart-rending 
 prospect to reflect on ; what horrible pictures will pre- 
 sent themselves to the parent who acts thus, iu his last 
 moments, — all that he holds doar in this world is thrown 
 on the doubtful kindness of relatives, the forced charity of 
 
 '? 
 
LIFE ASSURANCE. 
 
 L^- 
 
 friends, or perhaps be driven to the lowest depths of 
 infamy and degradation, to enable them to obtain a 
 miserable subsistence. 
 
 The nature of Life Assurance is such that it may be 
 rendered subservient to almost every contingency affect- 
 in o- human life, so numerous are its benefits. But the 
 principal feature of Life Assurance is to create a be- 
 queatkahle property by trifling periodical investments. 
 It may also be resorted to by the young, as a refuge in 
 <:leclining years. Or, as an endowment for children. By 
 the possessors of entailed property, to portion the younger 
 branches of families. On marriage, to secure the condi- 
 tions of settlement. By persons who become borrowers 
 of money, to secure a sufficient sum to repay a loan in 
 the event of death. To holders of leasehold property, 
 dependent on a life or lives. To expectants of property 
 in reversion, to secure a portion against contingency. 
 By all who have a pecuniary interest in the life of another; 
 and, in fact, in almost every commercial transaction 
 involving the risk of human life. 
 
 Life Assurance Companies generally, and very wisely, 
 compute the average of mortality somewhat higher than 
 it really is, in order that they may be prepared for any 
 extraordinary visitation of Providence. In this respect, 
 most reflective minds will concur, for it creates a fund 
 to meet any emergency ; should it not be thus required 
 the assured reap the benefit in the shape of bonuses 
 added to their policies, applied in the reduction of their 
 future premiums, or returned to them in cash. This is 
 important to all who assure early in life, for their pre- 
 miums may be gradually diminished so as to dwindle 
 down to a mere nothing; or their policies may be 
 
LIFE ASSURANCE. 
 
 increased in value as to be worth double the amount 
 originally assured. Of course, if the bonus is received 
 in cash the advantage will not be so great — the ca- 
 pital being withdrawn the interest will cease, but let it 
 remain it will necessarily accumulate. 
 
 Some i^ersons may be disposed to prefer a Savings 
 bank to accumulate their stock of surplus capital or 
 earnings, and make regular deposits therein, with the 
 view of meeting the future wants of their fLimilies. But 
 who can guarantee the carrying out of his intentions 
 for a few months, much less for years ? It might, and 
 frequently does happen, that persons die early in life 
 possessed of sums of money thus deposited, and after 
 their funeral expenses are paid, and affairs wound up, 
 there is not a shilling left for those who stand in the 
 greatest need of it. Thus, the loss of an affectionate 
 father and husband is surrounding a sorrowing widow 
 with children crying for food which she has not, 
 or which she must deal out with a stinted hand I 
 What a contrast, when compared with such a provision 
 as Life Assurance offers ! After the first premium is 
 paid, should death then seize upon his victim, there is a 
 certain fund to provide for the fatherless and widow, 
 which shall place them beyond the reach of want, and 
 enable them to sustain their position in society. It may 
 here be said by some persons, should my circumstances 
 become altered, I should be enabled to withdraw my 
 savings in one case but not in the other. This is an 
 erroneous supposition. Life Assurance Companies will 
 at all times make advances on policies proportionate to 
 their value ; and how frequently has this saved trades- 
 
 T 
 
 ft 
 
LIFE ASSURAN'CE. 
 
 i 
 
 V 
 
 men from utter ruin, when tlieir savings liave been 
 invested in a Life Assurance. 
 
 Life Assurance is founded on the same principles as 
 Fire Insurance, with this marked difference — in the 
 one case you make regular contributions towards a sum 
 that is certain to be realised, sooner or later ; but in 
 the other, you subscribe towards a fund to meet the 
 misfortunes of others, it may be your own, but how 
 few there are (comparatively speaking) who are placed 
 in a position to enable them to participate in its 
 benefits. 
 
 Life Assurance is no visionary scheme, aiming at 
 impracticable ends ;— it offers security to all, and relief 
 to the unfortunate. Human life is proverbially un- 
 certain ; but when we look at the experience of society 
 at large over lengthened periods of time, we find the 
 cheering fact, that ungovernable chance does not exist, 
 and that what is commonly looked upon as uncertainty 
 is governed by fixed laws of order. Life is uncertain 
 in an individual case, but when our observations are 
 extended from individuals to communities, we find that 
 deaths, births, and other apparently anomalous events 
 occur with a marked regularity over equal portions of 
 time, so that we arrive at the average length of life 
 as well as the comparative length of life betw^een the 
 sexes. Thus, the science of Life Assurance consists of 
 calculating what Use annual premiums must be in each 
 case, so as to yield the sum assured at death, in addition 
 to the expenses of management, so that premature 
 death on the one hand, is counterbalanced by the 
 gains from prolonged life on the other ; the whole 
 
LIFE ASSURANCE. 
 
 fabric rests on a secure basis, as firm as if it were 
 founded on a rock. 
 
 Reader, should disease and death arrest your steps, 
 what will be your feelings when you behold your weep- 
 ing, helpless dependents, gathered round your dying 
 pillow, and the thought flash across your mind that' 
 you might have left them in comfort, perhaps in afflu- 
 ence, that the means for doing so were at hand, 
 explained to you, urged upon you, but you refused? 
 Oh, spare yourself the possibility of so agonising a 
 thought distracting your last moments ! Many persons 
 experience a little difliculty at first in laying aside 
 regularly a small portion of their income to be paid as 
 a premium on a Life Assurance, — but this is easily sur- 
 mounted after the first instalment is paid, when all 
 becomes secure — it then becomes a regular item in the 
 annual expenditure, and is no longer liable to be em- 
 ployed in the gratification of a passing whim of the 
 day. Calm reflection will convince any man, that 
 there is no individual in society, above a condition of 
 abject poverty, who is not morally bound to avail him- 
 self of its profi'ered advantages. It is available to all 
 classes of society. To the benevolent mind, Life Assu- 
 rance presents a pleasing aspect; it unites prudence 
 with benevolence ; its mission is to relieve the destitute, 
 comfort the widow, and protect the orphan. There is 
 no one too wealthy not to stand in need of it ; there is 
 scarcely a labourer too poor to share its benefits. 
 
 Look at the vast amount of misery and destitution 
 throughout our land, which might, in most instances 
 have been averted. The poor governess, without a 
 home, — the needy sempstress, compelled to toil night and 
 
 ^ 
 
LIFE ASSURANCE. 
 
 a 
 
 */ 
 
 {^ 
 
 day, to obtain lier too scanty pittance,— the poor lady 
 or gentleman, scarcely able to obtain a subsistence. 
 The inmates, too, of our Orphan asylums, Magdalens, 
 and other charitable institutions, workhouses, gaols, 
 and penitentiaries, at one time destined to fill important 
 places in society, could furnish heart-rending iHustrations 
 of their miseries, and of the improvidence of parents 
 towards their offspring. Look, again, at the appeals to 
 the charitable, daily renewed in the newspapers— widows, 
 orphan daughters, and fatherless children of professional 
 men left to the tender mercy of the world thus to solicit 
 charity. Surely a remedy may be found in Life Assu- 
 rance, that will soothe the widow's anguish, and gladden 
 the orphans' heart in their bereavement. Cannot a single 
 luxury or a temporary gratification be dispensed with, 
 to enable you to make so beneficial an investment? 
 Consider what will be the inheritance of those little ones 
 in case your death should leave them unprovided for— 
 sudden destitution, the breaking up of home, and des- 
 cent into poverty I Can you coldly contemplate the 
 possibility of the imposition of its iron hand in the 
 bitter hour of bereavement ? Can you reflect upon the 
 bare chance of your wife having to earn a scanty portion 
 of daily bread for your orphan children without an effort 
 to avert so fearful a calamity ? You can ward off these 
 miseries, and secure them from dependence and want. 
 It is to be hoped that the immense importance of 
 Life Assurance will be more seriously and earnestly con- 
 sidered, -practised by all those who can appreciate its 
 merits and claims-and that, too, mthout delay. Let 
 none neglect it while they can so easily discharge it. 
 Let the claim,s of home be considered before any other. 
 
LIFE ASSURANCE. 
 
 Do not depend on the patronage of others. Every man 
 should remember that self help is the root of all virtue, 
 freedom and prosperity. 
 
 Reader, pause and reflect ! Have you not a poor 
 relation in your own family circle, whose misfortune 
 may clearly be traced to a want of forethought on the 
 part of a parent or husband ? Have you never felt it to 
 be a duty you owe to those whom you have been the 
 means of bringing into existence and surrounded with 
 every comfort, to provide for them in the event of vour 
 decease ? Let us hope that the time is not far distant 
 when Life Assurance shall be generally adopted, and the 
 memory of the man who neglects so important a duty 
 be held up to scornful reprobation, for leaving his off- 
 spring a legacy to society, whilst its adoption w^ould 
 certainly be the means of conferring inestimable benefits 
 on his helpless dependents, as its neglect will surely cause 
 a large amount of unavailing anguish on his dying pillow, 
 and be tlie means of consigning those who are nearest 
 and dearest to him to penury and w^ant ! 
 
 1 i 
 
 \ 
 
 •• V-^.-.WS.'VX'v.-v.-V^-v. >.-N.-\.^\.-^\.N.\,"V 
 
/ 
 
 ^ 
 
 Boards of Management. 
 
 TORONTO. 
 
 Wm, Peoudfoot, Esq., Prost, 
 Bank of UF)per Canada, <7/«a^r•»m«. 
 Tho Hon. W. B. Robinson. 
 Alex. Murhay, Esq., Merchant. 
 T. D. Hareis, Esq., Merchant. 
 Jas. F. Smith, Esq., l*resident Br. 
 
 Bank of Montreal. 
 .ToiiN FisKEN, Esq., Merchant. 
 John Ckawford, Esq., Barrister. 
 
 Agent and Secret m^jf to the Board: 
 JOHN MAULSON. 
 
 HAMILTON. 
 
 Sir A. N. MacNab, Cha/nnan. 
 Colin C. Fereie, Esq., President, 
 
 Gore Bank. 
 Jonx EisiTER, Esq., Merchant. 
 Henry McKinstry, Esq., Cashier 
 
 Br. Commercial Bank. 
 Jas. D. Mackay, Esq., Merchant. 
 Alexander Logie, Esq. 
 Rev. Robert Burnet. 
 
 Agent and Secretary to the Boo.nL 
 ADAM BURNS. 
 
 QUEBEC. 
 
 The Hon. "William Walker, Chairman, 
 James Dean, Esq., Merchant. 
 Chas. LANaEViN, Esq., Merchant. 
 John Thomson, Esq., Merchant. 
 Tlie Rev. John Cook, D. D. 
 G. H. SiMAiiD, Esq., Merchant. 
 
 Agent and Secretary to the Board. 
 A. J. MAXHAM. 
 
 KINGSTON. 
 
 Hon. J. Macaulay, Chairman. 
 Hon. J. A. Macdonald, M.P.P. 
 James Morton, Esq. 
 Tnos. A. CoRBETT, Esq., Slieriff, 
 
 Midland District. 
 John Mowat, Esq. 
 John R. Forsyth, Esq., Barrister, 
 Alex. Campbell, Esq., Barrister. 
 
 Agent and Secretary to the Board, 
 W. GEO. DRAPER. 
 
 LONDON. 
 
 Hon. CtEo. Goodhue, Chairman. 
 
 L. Lawrason, Esq., Merchant. 
 
 H. C. R. Becher, Esq., Barris- 
 ter. 
 
 Lionel Ridout, Esq., Merchant. 
 
 James Shanley, Jvm., Esq., Bar- 
 rister. 
 
 Wm. Elliot, Esq,, Barristei*. 
 
 Agent and Secretary to the Board, 
 CHARLES MONSARRAT. 
 
 Agents in the Principal Towns of Canada. 
 
 A. DAVIDSON PARKER, 
 
AGENT AT BBOCEVILLE, 
 
 J. D. BTJELL. 
 
 K=- 
 
 -**(