IMAGE EVALUATION TEST TARGET (MT-3) W // :A P 1.0 :.rB IM I.I 1.25 I: 1^ ^ 4 1-4 nil 1.6 m ^ /A *;. ^•^' c% >^ *^ //Jt 0/% Photographic Sciences Corpomtion 23 WIST MAIN STREET WEBSTER, NY 14580 (716) 87J-4503 '^^ S \ \ ^ « '^^ ^m^ CIHM/ICMH Microfiche Series. CIHM/ICMH Collection de microfiches. Canadian Institute for Historical Microreproductions / Institut Canadian de microreproductions historiques ^ T«chnical and Bibliographic Notss/Notas tachniquas at bibliographiquas The Instituta has attampted to obtain the beat 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, ore checked below. 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L'axamplaira film4 fut raproduit grica * la g*n4roait* da: McLennan Library McGill University Montreal Laa imagaa auivantaa ont At* raproduitaa avac la plua grand soin. compta tanu da la condition at da la nattat* da I'wtampiaira film*, at tx conformity avac laa conditiona du contrat da filmaga. Original copiaa In printad papar covars ara filmad bag'nning with tua front covar and anding on tha laat paga with a printad or illuatratad impraa- sion, or tha bacic covar whan appropriata. All othar original copiaa ara filmad baglnning on tha firat paga with a printad or illuatratad iinpraa- fsion. and anding on tha laat paga with a orintad or illuatratad impraaaion. Tha laat racordad frama on aach microfieha shall contain tha symbol —^ (moaning "CON- TINUED"), or tha symbol ▼ (maaning "ENO"). whichavar appiiaa. Laa axamplairaa originaux dont !a couvartura an papiar aat imprim^a sont filmte an commanpant par la pramiar plat at an tarminant soit par la dami^ra pa^a qui comporta una amprainta d'tmpraaaion ou d'llluatration. soit par la sacond plat, salon la eaa. Toua laa autraa axamplairaa originaux sont filmte an comman^nt par In pramlAra paga qui comporta una amprainta d'impraaaion ou dllluatration at an tarminant par Ic JamiAra paga qui comporta una talla amprainta. Un daa symbolaa suivanta apparaltra sur la damlAra imaga da chaque microfieha, salon la eaa; la symbola — » signifia "A SUIVRE", la symbola ▼ signifia "FIN". Mapa, piataa. charts, ate., may ba filmad at diffarant raduetion ratioa. Thoaa too iarga to ba antjraly ineludad in ona axpoaura ara filmad baginning in tha uppar laft hand comar. laft to right and top to bottom, aa many framaa aa raquirad. Tha following diagranta illuatrata tha mathod: Laa cartaa. planchaa. tablaaux. ate., pauvant 4tra f]im4a i daa taux da rMuetion diff*ranta. Loraqi'o la documant aat trop grand pour Atra raproduit an un saul clleh4. il aat film* A partir da I'angla sup4riaur gaueha, da gaueha A droita. at da haut it baa. an pranant la nombra d'Imagaa n4eaaaaira. Laa diagrammaa suivanta illuatrant la m*thoda. 1 2 3 1 2 3 4 5 6 New ScJieme OF. Un-conditional ASSURANCE ON L IPE, BY FOLIC 1 To Non-forfeitable & Un-questionable. Jiff: ^5;$o(iation t^l ^Mm^ (F OUNDED 183S ) |j::ilj ^fEcts (or BRITISH NORTH AMERICA CANADA-JIontreal, 9 Great ^. James Strtol. NOVA SCOTJAr-Ualijax. NE]V BRUSSWICK—^t. John. 1860. -%v-S* y\/ypi^ L^^/j, New Scheme ( ^^ <^ OF Un-conditional ASSURANCE ON LIFE, BY POLICIES Non-forfeitable & Un-questionable. (Founded isss.) ^tviii ®IG££S for BRITISH NORTH AMERICA. CANADA— Montreal, 9 Great St. Jamee Stre&t. NOVA SCOTIA— Halifax. NEW BRUNSWICK-at. John. 1860. New Hcheme OP Un-conditional V ^ - • v,»- - ^ • ■/•i -X •* - The DIRECTORS OF THE LIFE ASSOCIA- TION^ OF SCOTLAND {now of Twenty-two Tears' standing)^ beg to direct particular attention to their addi- tional Scheme J as explained in this pamphlet. The Scheme w remarkable for simplicity ; — it obviates tJie objections hitherto urged against Life Assurance^ — and meets^ to the fullest extent^ the wants of the public in the present day. While unusually liberal towards the Policy-holder s^ it is^at the same time^ based on sound principles and precis'i calcu- lations. So perfect a system of Un-conditional Assurance on Life is, it is believed, not to be found in the arrangements of any other Institution. Life Association of Scotland's Office, July, 1860. .i^_ A I v^ ii v=- , ..--J: s r^^-^^ltSSi v.*: Contents. Osticb-Bbz!iirb, RavBNUB, Business, &o., ScHEMS OP Un-conditional Assubancb, DiFPBRBNCB between this Scheme and the system of other Offices,-' 1. Non-payment of Premiums, 2. Occupation, Residence, Extra Premiums, SfC, 3. Death by Suicide, Duelling, ^c, 4. Validity of the Policy, Oimin Unusual Ooncessions to the Policy-holder,^ 1. The Policy-holder may withdraw a fixed portion of his payments, on giving up his Policy ,• or he will receive a paid-up Policy for double the amount, 2. He may withdraw a fixed portion of his payments as a Loan on the Policy, Divisions op Profit, ■. Tables op Rates for Assurances and Annuities,— 7. Assurances-^Whole of Life, with and without Profits. Annual Premiums for every XlOO stg., Page 9 10 11 14 15 16 ib. lY ib. 18 20 wms 8 Tables of Rates — continued, — JI. Assurances — WTiole of Life, with and without Profits. One-third of the Premiums for first five years to remain unpaid, without any charge for Interest, 22 III. Assurances — Whole of Life, with and without Pro- fits. — Annual Premiums ceasing after 10, 15, or 20 years, • • • • 24 IV. Assurances for short periods,. 26 V. Endowment Assurances-^Payable to the Assured if he attain the age of 55 or 60, or payable at his death if he do not live so long, 28 VI. .Assurances on Two Joint Lives — payable at the first death of the two, ' 30 OFFICE-BEARERS BRITISH NORTH AMERICA. CANADA. HEAD OFFICE— MONTREAL, 9 GREAT St. JAMES STREET. Directors. J. G. Mackenzie, Esq., of J. G. Mackenzie & Co., Merchants. David Torrancs, Esq., of D. Torrance & Co., Merchants. Gborqe MoFFATT, Jr. Esq.jof Gillespie,Moffatt& Co., Merchants. Ai.HXANDBR Morris, Esq., Advocate. Medical Officer, — R. Palmkr Howard, Esq., M.D. Solicitors, — Messrs. Torkangb & Morris. Secretary,— JAMES GRANT. NOVA SCOTIA. HEAD OFFICE— H.ii.IF AX. Directors. "William Murdoch, Esq., Merchant and Banker. John Dupfus, Esq., Banker. | B. W. Salter, Esq., Merchant. John Gibson, Esq., Merchant. | Saml. Noble, Esq., Merchant. Medical Officer, — James C. Hume, Esq., M.D. Secretary, — Wm. Sutherland, 31 Bedford Row. NEW BRUNSWICK. HEAD OFFICE— ST. JOHN. yv Directors. Francis Ferouson, Esq., Merchant. W. H. Adams, Esq., Merchant. A. Jardine, Esq., Merchant. Medical Officer, — Jambs Walker, Esq., M.D. Secretary, — Samuel D. Berton, Merchant. The Hon. J. A. Street, Barrister The Rev. Wm. Donald, A.M THE ASSOCIATION WAS Founded in 1838, & Empowered By Royal Charter and Special Act of Parliament. The Annual Income is Upwards of £160,000 Stg. PROGRESS ;— ASSUEANCES since December 1838. to these Dates. 5th April 1841, 18H 1847, 1850, 1853, 1856, 1859, 149 for 489 895 :,423 6.094 9,045 I2.'i20 « £75,699 Stg 261.569 " 439.017 " 1,085,936 " 2,320,938 " 3,737,773 " 5,356,043 " ANNUAL INCOME. £2,709 Stg. 8,321 " 14,630 " 32,582 " 67,536 " 109,601 " 151,078 •• Being, thus, one of the most Extensive Life Offices, the Association possesses an element of safety and permanence not contained in smaller or younger Institutions. to- Equal facilities are rresented to Res' lents in all parts of British North America, tl;ere being AGENCIES in every Town, and separate Bo^ED8 and HEAD OFFICES at MONTREAL. HALIFAX, and ST. JOHN. SCHEME Of ^ UN-CONDITIONAL ASSURANCE. »'t** ^ it^>9^^^'**»—' A Life Assurance Policy usually contains important Con- ditions and Limitations, the infringement of which either in- validates the Assurance, or subjects the Policy-holder to the demand of additional payments in order to keep it in force. These conditions are not mere matters of form, but are daily acted on by respectable OflSces, under circum- stances the result of mere inadvertence on the part of the Policy-holder, or over which he had no control whatever. Such an Assurance affords but a partial protection in any case, and is especially unsatisfactory as a security for money But the Policies of the Life Association of Scotland have, for many years, been relieved of most of these impor- 12 Life Association of Scotland. fections, and are, therefore, much more valuable than Policies in the ordinary form. This liberal course of pro- cedure on the part of the Association has been largely res- ponded to by the Public. Upwards of Thirteen Thousand Policies have been issued for Life Assurances, amounting to nearly Six Millions Sterling ; and the Policy-holders participating in the profits have received large benefits,— for example, they are, this year, called on to pay only 12s.6d. per £1 stg. of their Premiums. While, therefore, the existing Scheme of the Association meets the views of a large proportion of the Public, and will continue to attract numerous Assurers, yet there are cases where its conditions, liberal as they are, are found to r ' as a barrier. Accordingly, the Directors have been ir ced to arrange a Second Scheme, which Assurers will have the option of joining. Under this new Scheme of " Un-conditional Assurance on Life,'' the power of can- celling the Policy is virtually taken from the Company and transferred to the Policy-holder. The Assured is not Eubject to any restriction as to Occupation or place of Residence. No Extra Premiums can ever be payable. The Policv is non-forfeitable and un-questionable. And J Life Association of Sootlcmd. 13 further, if the Asfiured should wish to surrender it or dis- continue his payments, the Association is bound to return to him a fixed and unusually large portion of the Premiums. The Policy has, therefore, an Extraordinary Valm and Importance, and affords complete protection under almost an)> circumstances. These material improvements in Life Assurance cannot fail to be appreciated by the general public, ;is well as by Solicitors and men of business, who must have frequently experienced the inadequacy of ordinary Assurances as Securities in connexion with Debts, Loans of Money, Family Provisions under Marriage Settlements, &c. In all such transactions, such Policies as those of the Life Association can alone be considered satisfactory and reliable. The following Comparative Explanation shews the great superiority of Un-conditional Assurance over the ordinary lystem of other OflSces : — ■^^ Life Association of Scotland. I. Non-Payment of Premiums. The LIFE AS SO CIA- A Policy, in the ordinary TIOIPS Policy cannot be forinof most other Oflices, is forfeited hy omission to pay a immediately forfeited it pay- Premiumat the proper time, ment of any Premium be not throughaccidentor oversight; made at the P^^F/ ^;"^^' andJfterFiveyearsiifnota v.'hether from accident or Shcyrt Period Assurance, or any other cause. And the Survivorship Assurance) it Assurance can be rerewed will not he forfeited hy non- only on application within a payment of a Premium from certain time (varying from whatever ' cause, provided tbree to twdve months) and payment he made within a provided M^^^«^^, ^f J^^" year. In no case is any n ^w cates of good health be f ar- evidmce of health required ; nished and a finepaid. Thus. hut, in order to encourage if the Assured die before he reaularilv in payments, and can take steps to renew the T^u^ to ^oler Policy- Policy (forteited, it maybe holders, a small fine is im- by accident), the Assurance , ' *" Company IS not liable to pay ^^* • the sum assured ; and, even if he do not die in the inter- val, he may not be in good health, in which case the Office may decline to renew the Assurance. This Con- dition applies even to Poli- cies on which many Premiums have been pi \ J Life Association of Scotland. 15 11. Occupation, Place of Residence, Extra Premiums, &c. Under the Life Associa- tion's Policy, no restriction whatever io imposed as re- gards Occupation, or place of Residence, or Travelling ; and no Extra Premium, be- yond the Premium origin- ally stipulated in the Policy, is payable even if the Assured join the army or navy, or he- come a mariner. Persons, however, who are in the army or navy when they take out their Policies, or whose cases are otherwise special, are dealt with separately. wliea held by Assignees who no control over, the movemen The Rules of other Com- panies vary considerably on these points. Some restrict their Assured to a portion only of Europe. Most Com- panies, however, allow a re- sidence in any part of Eu- rope, and some include North America within cer- tain limits, and a few extend the permission to one or two other countries. But in many Offices, the per- mission to go beyond Great Britain is given only in time of peace. "The practice fur- ther is, that the Policy is forfeited if the Assured go beyond the prescribed limits without leave obtained, and payment of such Extra Pre- mium as may be demanded by the Company for th? per- mission. Policies are thus often irretrievably lost, even have no knowledge of, and ts of the Life Assured. ?.ajar"t 16 Life Asiociation of Scotland. III. Death by Suicide, &.c. The Life Association is The Policies of most other liable for the Sum Assured Companies are void in the at death, whether it happen event of death by Suicide by Suicide or by Duelling, (whetherunder the influence or in any other manner. of insanity or otherwise), or by Duelling, or by the hands of Justice ; and even As- signees are not exempted from this condition, unless they have held the Policies for a considorablo interval, varying from one month to several years. \ IV. Validity of the Policy. The validity of the Life The Pohcies of most other Association's Policy cannot Companiesare void not only at any time be questioned, in bywilful misrepresentations, so far as an Assignee is con- but also by unintentional cerned ; and, under any cir- errors or omissions in the curnstances, it becomes un- information furn.shed, when questionable and indefeasible theAssurances were effected. by the lapse of five years. Few respectable Companies would cancel a Policy in consequence of any inadver- tent error ; but when misstatoruents are important, or sup- posed to have been wilful, even Assignees must suffer the loss of the Assurances. ]/ Life Association of Scotland. 17 \ / Other Unusual Concessions. In order still further to increase the value and usefulness of the Policies, the following Regulations in favour of the Assured have also been adopted by the Life Associa- tion : — 1. Instead of leaving the Assured in uncertainty as to the sum which he will obtain, or whether he will obtain anything at all, from the Office, if he should think proper to give up the Assurance or to discontinue pay- ment of the Premium, the Association fixes the sum at once. /- t •!• xi. For Ordinary Policies for the Whole of Life, there shall be allowed a value, in Cash, at any time after the first year, namely :— after five years (that is, pay- ment of six years' Premiums), One-half oi all the Premiums paid or due at the time; and previously to five vears, One-third of all the Premiums paid or due at the time. .„ . On the surrender of a Policy, there will, of come, be deducted from the value any debt on the Policy, and any Premiums ir arrear; also the Premium for the whole of the cunent year of the Assurance, if not already paid. , ^ , i i If the Assured prefer it, instead of the cash value there will be given him a Policy oUouble that amount, for which no further Premium payments will be re- quired. II. Instead of giving up his Policy, the Assured mav receive from the Association, in loan, a sum equal to its casti value, the interest to be payable yearly m advance. J 18 Life Association of Scotland. Divisions of Profit. It has been resolved that, under this Scheme (Class B.) the Profits allocated to the Policies shall be Bonus Addi- tions 10 the Sums Assured. The Policy-holders will, however, have the option of exchanging the Bonus Addi- 'i.ons for a Cash Payment or a Reduction of Premium. The Divisions of Profit will be made every five years, the first in 1865 ; and the Lists of Policies will be closed an- nually. Entrants before the 5 th December next will secure a decided advantage, and be entitled to a full year's Bonus more than later Entrants. ■»»«»/^^/i^^^^^»*««j» I \ Several New Tables have been introduced in connex- ion with this Scheme. Amongst others — A Table of the Payments required, for the first five years, under s system by which two-thirds only of the full Premiums are pay- able during said period, and the remaining third left unpaid so long as the Assured pleases, and without any charge for interest. The other Scheme of the Association is explained in a separate Prospectus, which may be had on application at the Head-Offices and Agencies. TABLES. J .^>^^w 20 I. —Assurances for Whole of Life. Sums payable at Death, whenever it shall happen. Annual Preminni for £100 Stg., Annual Fremiun for £100 Stg., (S486.ei.) 1 i I ($486.67.) Age. Without WiTTT Age, Without With Pkofits. Profits. Pbofitb, Profits. $.0. $.c. «.c. $.0. 20 8.48 9.o9 43 16.46 18.53 21 8.6S 10.13 44 17.07 19.18 22 8.92 10.42 45 17.68 19.87 23 9.17 10.66 24 9.41 10.99 46 18.33 20.64 25 9. 65 11.27 47 19.02 21.42 48 19.76 22.23 26 9.93 11.59 49 20. 5« 23.12 27 10.22 11.92 60 21.3c 24.01 28 10.50 12. 28 29 10.82 12.61 51 22.19 24.98 30 11.11 12.85 52 23.08 16.95 53 24.01 27.01 31 11.43 13.09 54 24.94 28.06 32 11.76 13.46 65 25.91 29.15 as 12.08 13. 82 34 12.41 14.23 56 26.92 30.29 35 12.77 14.64 57 27.98 .•^1.51 58 29.11 3-2.77 3<5 13.18 15.00 59 30. 33 34.15 37 13.58 15. 25 60 31.63 35.67 38 in.99 15. 73 39 14.43 16. 22 61 33.01 37.11 40 14. te 16.75 62 34.47 38.77 63 86.06 40.59 41 15.41 17. 32 64 37.80 42.50 42 15.94 17.88 65 39.62 44.61 Those Premiums will be received Half- Yearly at a amall additional charge. 3ee page 2-^ for a Table of the pay merits required for the ^rsfjlve years, under a system by "vhichyfor said period, two-thirds only of the full pre- miums need be paid, the remaining third being left unpaid without any charge for interest. CLASS B. UN-COKPITIONAIi ASStTEANCEa. Life A%sociat\.63 29 15.13 17.32 29 17.96 20.56 30 15. 73 18.05 30 18.82 21.58 31 16.38 i8.82 31 19.75 22.63 32 17.11 19.59 32 20.77 23 81 33 17.84 20.44 33 21.86 25.06 34 18.65 21.42 34 23.08 26.44 36 19.65 22.39 35 24.41 27.98 36 20.48 23.48 36 26.91 29.69 37 £1.54 21.. 65 87 27.53 81.55 38 22.67 25.95 38 29. ''-O 33.70 39 23.89 27.37 39 31.47 36.06 40 25.26 28.95 40 33.82 38.77 41 20. 80 30.70 41 36. 54 41.85 42 28.51 32.65 42 39.66 46.42 43 30.37 3i HO 43 4;i.31 49.64 44 32.52 37.27 41 47.t)l 54.68 45 34.96 40.06 46 52.81 60.61 These Peemiums will be received Half-Yeaely at a small additiona Charge. CLASS B. UN-CONDITIONAL ASSUEANCEa, Lift Association of Scotland. 29 TABLE V. These Assurances have a double result. They secure not only a Provision for Heirs in the event of premature death ; but, further, the sum assured is payable to the Assured himself if he live till a fixed age (say 55, 60, or any other). Accordingly, if death do not occur before the age fixed on, the Assured has an immediate provision for old age, or a fund from which to assist his children in business or at tnarriage. Exarnples. At age 20, a sum of £100 Sterling, ($486.6T), without Profits, will be assured, payable if the party live till the age of 60, or payable at death if he do not live till 60, By a yearly payment of . Or a half-yearly payment of . $10.86 5.72 If the sum assured is to be increased by a share of Profits, The yearly payment is . . . • $12.45 Or the half-yearly payment is . . . 6.55 Larger Assurakces are charged at the same rates. rS" Instead of a Capital Sum, payable at the age agreed on, the Association will grant an Annuity, payable during the life of the Assured thereafter, thus :— instead of £1000 Sterling, ($486.67), at the age of 60, if a male, he may substitute a Life Annuity of $458.28, payable half-yearly. 30 VI. — Joint Lives Assurances. Sums pay ahle at the Death of the first that fails of Two Lives, Annual Premium for £100 Stg., Annual Premium for £100 Stg., ($486.67.) j ($486.67.) Ages. Without With I Ages. Without With PEuFITS. Peofits. Peofits. Peofits. '~i $.c. 5.C. ; $.c. I.e. 20 & 20 1 13.78 15.82 1 35 & .^> 20. 36 23.32 „ 25 14. 7? 16. 87 1 „ 40 21.98 25.13 „ SO 15. 94 18.25 „ 45 24.33 27.90 „ 35 17 . 'i^> 19.87 „ 50 27.65 31.67 „ 40 19.22 22.02 „ 55 31.88 36 50 „ 45 21.78 24.94 » 60 37.19 42.62 „ 50 25.30 28.95 „ 65 44.85 51.39 » 55 29. 69 34. 02 40 & 40 23. 52 26.96 „ GO 35.24 40. 39 i „ 45 25. 75 29. 52 „ 65 43.11 49. 32 1 „ 50 „ 55 28.95 33 01 33.17 37 88 25 & 25 15. 61 17. 8S » 60 38.25 43.84 „ 30 16. 75 19. 22 1 „ 65 45.79 62.52 „ 35 18.13 20. 77 ! >• " » 40 19.96 22.83 ^ , 45 & 45 27.86 31.92 ,, 45 22.43 25.71 „ 50 30.90 35.41 » 50 25.91 29.69 „ .55 ] 34.88 39.94 ,, 55 30. 25 34.68 „ 60 1 39.90 45.75 „ 60 35.73 40 96 ,.65 47.33 54.22 „ 6u -^3.55 49.89 50 & 50 33.82 38.73 „ 55 ; 37.60 43.07 30 & 30 17.84 20.48 „ 60 ! 42.46 48.62 » 35 19.14 21.94 „ 65 49.68 56.94 ., 40 .. 45 „ 50 „ 55 20.89 23. 32 26. 72 81.02 23.97 26. 76 30.62 35. .57 55 & 65 i 41.16 „ 60 45.75 „ 65 52.76 47.16 52.44 CO. 47 „ 00 36.46 41.77 60 & 60 50.01 57.26 » 65 ' 44. 24 1 60,70 „ 65 56.57 1 64.85 These rrcmiums will be rnceivecl Halp-Yeaely at a arnaU additiona I Charge. ClASI B. — UN-COKDITIONAT. ASStJKAIfCEi. Life Association of Scotland. 31 TABLE VL These Assurances will secure a Provisicn for +lie Survivor of Husband and Wife, or for the Surviving Partner ^\' a Firm^ to enable bim to pay the deceased Partner's share of the busi- ness, without encroaching on the Capital. Examples. A sum of £100 Stg., ($486.67), without Profits, will be assured at the first death of two persons, aged 20 and 25; by a yearly payment of $14.72 Or a half-yearly payment of 7 . 73 If the sum assured is to be increased by a share of pro- fits, the yearly payment is 16.87 Or the half-yearly payment is 8.80 Larger Sums are charged at the same rates, thus : — For £500 Stg., ($2433.33), without profits, the yearly payment is 73.61 Or the half-yearly payment is 38.65 For £1000 Stg., ($4866.67), with profits, the yearly payment is 1G8. d Or the half-yearly payment is 88.57 53=" Ages not in the Table are charged in the same propor- tion. Three or more joint lives can also be Assured. The Rates for ASSURANCES and ANNUITIES not included in the preceding Tables, may be ascertained on application, personally or by letter, at any of the Head Oflfices or A,eencies. The Association has Agents in almost every Town throughout Great Britain and Ireland, and also British North America. Jo]in LovoU, Printer, St. Nicholas Street, Montreal. ■lA*a ^^ '*-•-#£• ^•..if ^J •*», Jh^ -JJT" ^..t* ?^*i y^ /, I U N - C O N D I T I O N A L ASSURANCE ON LIFE. '! of — 0~ Policies No ^-forfeitable and un-qvestionjtble \