WESTERN LIFE ASSURANCE AND ANNUITY SOCIETY.
3. PARLIAMENT STREET, LONDON.
Founded A.D. 1842.
Directors.
|
H. E. Bicknell, Esq. W. Cabell, Esq. T. S. Cocks, Jun. Esq., M.P. G. H. Drew, Esq. W. Evans, Esq. W. Freeman, Esq. F. Fuller, Esq. |
J. H. Goodhart, Esq. T. Grissell, Esq. J. Hunt, Esq. J. A. Lethbridge, Esq. E. Lucas, Esq. J. Lys Seager, Esq. J. B. White, Esq. J. Carter Wood, Esq. |
Trustees.—W. Whateley, Esq., Q.C.; L. C. Humfrey, Esq., Q.C.; George Drew, Esq.,
Physician.—William Rich. Basham, M.D.
Bankers.—Messrs. Cocks, Biddulph, and Co., Charing Cross.
VALUABLE PRIVILEGE.
POLICIES effected in this Office do not become void through temporary difficulty in paying a Premium, as permission is given upon application to suspend the payment at interest, according to the conditions detailed in the Prospectus.
Specimens of Rates of Premium for Assuring 100l., with a Share in three-fourths of the Profits:—
| Age | £ | s. | d. | Age | £ | s. | d. |
| 17 | 1 | 14 | 4 | 32 | 2 | 10 | 8 |
| 22 | 1 | 18 | 8 | 37 | 2 | 18 | 6 |
| 27 | 2 | 4 | 5 | 42 | 3 | 8 | 2 |
ARTHUR SCRATCHLEY, M.A., F.R.A.S., Actuary.
Now ready, price 10s. 6d., Second Edition, with material additions, INDUSTRIAL INVESTMENT and EMIGRATION: being a TREATISE ON BENEFIT BUILDING SOCIETIES, and on the General Principles of Land Investment, exemplified in the Cases of Freehold Land Societies, Building Companies, &c. With a Mathematical Appendix on Compound Interest and Life Assurance. By ARTHUR SCRATCHLEY, M.A., Actuary to the Western Life Assurance Society, 3. Parliament Street, London.
INCORPORATED ACCORDING TO ACT OF PARLIAMENT.
ATHENÆUM INSTITUTE FOR AUTHORS AND MEN OF SCIENCE, 30. SACKVILLE STREET, LONDON.
Vice-Presidents.
The Most Hon. the Marquis of Bristol, &c.
The Right Hon. the Lord Justice Knight Bruce, &c.
The Right Hon. Benjamin Disraeli, M.P., &c.
Lieut.-General Lord Frederick Fitzclarence, G.C.H., &c.
The Right Hon. Viscount Goderich, M.P., &c.
The Right Hon. Lord Viscount Monck, M.P.
Sir George Thomas Staunton, Bart., D.C.L, F.R.S., M.P., &c.
Honorary Directors.
The Hon. J. Master Owen Byng.
William Coningham, Esq.
William Ewart, Esq., M.P.
Charles Kemble, Esq.
Edward Miall, Esq., M.P.
Benjamin Oliveira, Esq., M.P.
Apsley Pellatt, Esq., M.P.
Henry Pownall, Esq.
Wm. Scholefield, Esq., M.P.
The Hon. C. Pelham Villiers, M.P.
James Wyld, Esq.
Treasurer.
Sir John Dean Paul, Bart.
Trustees.
Thomas J. Arnold, Esq.
Herbert Ingram, Esq.
F.G.P. Nelson, Esq., F.L.S.
Auditors.
Alexander Richmond, Esq.
William Smalley, Esq.
Business Directors.
Chairman.—Lieut.-General Palby, C.B.
Deputy-Chairman.—J. Stirling Coyne, Esq.
Bayle Bernard, Esq.
Shirley Brooks, Esq.
W. Downing Bruce, Esq.
J. B. Buckstone, Esq.
Thornton Hunt, Esq.
G. H. Lewes, Esq.
Cyrus Redding, Esq.
Angus B. Reach, Esq.
Managing Director.
F. G. Tomlins, Esq.
Secretary.
Wm. Dalton, Esq.
Solicitor.
G. E. Dennes, Esq., F.L.S.
Consulting Actuary.
R. Thompson Jopling, Esq., F.S.S.
Bankers.
Messrs. Strahan, Paul, Paul, and Bates. 217. Strand.
Agent.
Mr. C. Mitchell, Newspaper Press Directory Office, Red Lion Court, Fleet Street.
CONSTITUTION.
The Athenæum Institute is legally incorporated as a Mutual Benefit Society, and the rank and public status of its Vice-Presidents, Honorary Directors, Trustee, and Treasurer, and the well-known character of its business Directors, present a security to Authors, Journalists, and all connected with Literature, that it is based on sound principles, and will be conducted with fidelity and honour.
It consists of two classes of Supporters.
Non-Participating or Honorary Subscribers, who, it is hoped, may include The Royal Family and great Officers of the state, on account of the political and moral influences of Authors; Noblemen and Men of Fortune who have manifested a marked predilection for Literature; Authors of Fortune and others sympathising with, and interested in the labours of literary men.
Participating Subscribers, consisting of Professional Authors, and that large mass of writers who produce the current literature of the age in Works of Science, Imagination, Education, and the Periodical and Newspaper Press of the Empire.
The Constitution of the Society is such that the general body of its members hold the directing power. The Board of Business Directors is elected by it, and their powers and duties, as well as those of the officers, are clearly defined by the laws and rules of the Institute, which are in strict conformity with the elaborate requirements of the Friendly Societies' Act (14th and 15th Victoria, chap. 115.).
The Qualification of Membership is authorship in some shape, but a large and liberal will be the most just interpretation of the term. As close a definition as can be given perhaps is, that it intends to include all who use the pen with an intellectual aim, women as well as men. The printed forms (which can be had on application) will show more minutely what is required to constitute membership.
REVENUE.
The distinguishing feature of the Institute is its applying the principle of Life Assurance in all its transactions.
The Subscriptions of the Honorary Subscribers are applied to an Assurance of the Life of the Donors.
For instance,—The Right Honourable Benjamin Disraeli, Esq., sends a Donation of Twenty-five Pounds, which is immediately invested on an Assurance on his life, and will ultimately produce to the Institute an Endowment of 42l. Or to take another instance,—The Right Hon. Lord Viscount Goderich subscribes Two Guineas per year, which is invested in like manner on an Assurance on his life, and will ultimately Endow the Institute with 100l. And thus the Honorary Subscriptions, instead of being spent as soon as received, are made to form a Capital Fund, which will be ultimately available, as the Lives fall in, to the Provident Members and Participating Subscribers.
The application of the subscriptions of the Honorary Members to assuring their lives, has these advantages:—It tends to create a large capital fund—It enables the Honorary subscribers to see that the undertaking is successful, before their money is expended—It transforms such subscriptions from being an alms-giving for personal purposes, into an Endowment for the general benefit of Literature—It is not like most alms subscriptions to go in casual relief, but to produce a permanent result; such as the foundation of a Hall and chambers, and ultimately the complete organisation of Literature as a recognised profession; to endow permanent annuities, and otherwise aid Literature by succouring Authors.
By this arrangement a very strong inducement is given to the Working Literary Men to subscribe to this Institute and Society beyond all others: as they will not only have all the benefits and profits arising from their own subscriptions, but participate in the Capital Fund, which, there can be no doubt, will be augmented by Donations, Legacies, and Endowments. There is also the special advantage peculiar to such an Institution, of NOMINATING A WIFE OR CHILD to receive immediately the Amount ASSURED at decease IRRESPECTIVE OF ALL OTHER CLAIMS.
The Subscriptions of the Participating Class are as follows:—
One Guinea must be subscribed by every member, which goes towards the expenses of the Institute and the support of the Philanthropic Fund. For this he is entitled to be a candidate for assistance from the Philanthropic Fund; has a Vote at all the General Meetings of the Institute; and will be entitled to certain benefits from the Education and Protective Branches of the Institute when they are brought into operation.
Every Guinea subscribed annually beyond the first Guinea above mentioned, produces the Subscriber an Assurance on his life, according to the Tables specially calculated by the Consulting Actuary of the Institute, and which are in compliance with the Act of Parliament regulating such matters. The Policies are issued by the Institute under the Friendly Societies' Act, and which are legally guaranteed by the Athenæum Life Assurance Society, which, also appealing more particularly to Literary and Scientific Men, has made an arrangement that is liberal and advantageous to the Athenæum Institute.
By this arrangement every Provident Member is equally safe, whether the members of the Institute be few or many.
One Subscriber is thus rendered as secure as a thousand.
Annual Subscribers of Two Guineas or more are entitled to become Directors: and in awarding relief, regard will always be had to the amount subscribed.
It will be perceived by these arrangements, that every member of the Athenæum Institute has the full value returned to him of every Guinea subscribed beyond the first, in a Policy on his life; and that he also has a participation in the Capital Fund formed by the Subscriptions, Donations, and Endowments of the Honorary Subscribers; a privilege which it is probable will add from fifty to a hundred per cent. to his individual contributions.
The Friendly Societies' Act, under which the Institute is registered, will not permit a member to make an Assurance beyond 100l., the Institute is therefore limited to this amount: but the Athenæum Life Assurance Society, which so liberally assists the Institute, will insure to any amount, and in any mode. It is desirable that the members of the Institute should assure up to the 100l. allowed by the Act, and the Tables will shew the annual amount required, according to the Age of the Subscriber. The power of NOMINATING A WIFE OR CHILD, irrespective of all other claimants, is also a great inducement to assure in the Institute to the utmost amount, namely, 100l.
It is contemplated, as the Institute progresses, to add Protective and Educational Branches.
The union of numbers has established the various Commercial and Philanthropic Institutions of the Empire, and it is earnest urged that Authors and Journalists should take advantage of their numbers. Nothing can be accomplished without numbers—with them everything. The appeal now made is universal in its application to Literary workers, and it is hoped it will be responded to so as to neutralise all cliquism, whether arising from literary sectarianism, or the antagonism of political sentiments.
F. G. TOMLINS, Manager,
30. Sackville Street, London.
*** Members are admitted by the Directors (who meet monthly) according to forms which will be transmitted on application.
Post Office Orders to be made payable to the Managing Director at Charing Cross Money Order Office.
The Rules of the Institute, as legally drawn up by high professional authority, and as certified by the Registrar, can be had, price 1s. 6d., or 2s. by post, pre-paid.
Prospectuses (with Tables calculated especially for this Society) may be had, gratis, at the Office, 30. Sackville Street, or of Mr. Charles Mitchell, Agent to the Institute, Newspaper Press Directory Office, 12. Red Lion Court, Fleet Street, London.
NEW WORKS.
I.
LIFE OF JOAN OF ARC. An Historical Essay. By LORD MAHON. Fcap. 8vo. 1s. (Murray's "Railway Reading.")
II.
LIVES OF THE EARLS OF ESSEX, in the Reigns of Elizabeth, James I., and Charles I. Including many unpublished Letters and Documents. By HON. CAPT. DEVEREUX, R.N. 2 Vols. 8vo. 30s.
III.
A FORTNIGHT IN IRELAND. By SIR FRANCIS HEAD, Bart. Second Edition. Map. 8vo. 12s.
IV.
LIVES OF LORDS FALKLAND, CAPEL, AND HERTFORD, the Friends and Contemporaries of Lord Chancellor Clarendon. By LADY THERESA LEWIS. 3 Vols. 8vo. 42s.
V.
HISTORY OF THE ROMAN STATE. By LUIGI FARINI. Translated by the RIGHT HON. W. E. GLADSTONE, M.P. Vol. III. 8vo. 12s.
VI.
A SCHEME for the GOVERNMENT OF INDIA. By GEORGE CAMPBELL. Maps. 8vo. 4s.
VII.
CRIME: ITS AMOUNT, CAUSES, and REMEDIES. By FREDERIC HILL, late Inspector of Prisons. 8vo. 12s.
VIII.
MY HOME IN TASMANIA, during a Residence of Nine Years. By MRS. CHARLES MEREDITH. Woodcuts. 2 Vols. Post 8vo. 18s.
IX.
A CHURCH DICTIONARY. By REV. DR. HOOK, Vicar of Leeds. Sixth Edition, enlarged. 8vo. 16s.
X.
THE PERIL OF PORTSMOUTH; or, FRENCH FLEETS AND ENGLISH FORTS. By JAMES FERGUSON, Esq. Second Edition. With a Plan. 8vo. 2s. 6d.
XI.
RATIONAL ARITHMETIC. For Schools and Young Persons. By MRS. G. R. PORTER. 12mo. 3s. 6d.
XII.
TRAVELS AND RESEARCHES IN ASIA MINOR, and LYCIA. By SIR CHARLES FELLOWS. New Edition. Post 8vo. 9s.
XIII.
The RIVERS, MOUNTAINS, and SEA COAST of YORKSHIRE described. By JOHN PHILLIPS, F.R.S. 36 Plates. 8vo. 15s.
XIV.
HISTORY OF ENGLAND, from the PEACE OF UTRECHT to the PEACE OF VERSAILLES, 1713-83. By LORD MAHON. Third Edition, revised. Vol. I. Post 8vo. 6s. (A Volume every Two Months.)
XV.
SAXON OBSEQUIES, illustrated by Ornaments and Weapons recently discovered in a Cemetery. By HON. R. C. NEVILLE. 40 coloured Plates. 4to. 84s.
XVI.
A NAVAL and MILITARY TECHNICAL DICTIONARY OF THE FRENCH LANGUAGE. By LIEUT-COL. BURN, R.A. Crown 8vo. 15s.
XVII.
HISTORY OF EUROPE DURING THE MIDDLE AGES. By HENRY HALLAM, ESQ. Tenth Edition, incorporating the Supplemental Notes. 3 Vols. 8vo. 30s.
XVIII.
HANDBOOK of FAMILIAR QUOTATIONS. From English Authors. Fcap. 8vo.
XIX.
PHILOSOPHY IN SPORT, MADE SCIENCE IN EARNEST. Seventh Edition, with much additional matter, and Woodcuts. Fcap. 8vo.
XX.
THE CABINET BYRON: a New and beautifully Printed Edition of Lord Byron's Poetical Works complete. In Eight Half-Crown Volumes. Containing—
Childe Harold.
Dramas. 2 Vols.
Tales and Poems.
Miscellanies. 2 Vols.
Beppo and Don Juan. 2 Vols.
JOHN MURRAY, Albemarle Street.
NEW BOOKS AND
NEW EDITIONS.
CLOISTER LIFE OF THE EMPEROR CHARLES the FIFTH. By WILLIAM STIRLING, M.P. Second Edition, with Additions. 8s.
DIGBY GRAND: An AUTOBIOGRAPHY. By G. J. WHYTE MELVILLE. Reprinted from "Fraser's Magazine." 2 Vols. post 8vo. 18s.
JESUIT EXECUTORSHIP; or, PASSAGES IN THE LIFE of a SECEDER from ROMANISM. 2 Vols. post 8vo. 18s.
HEIR OF REDCLYFFE. By the Author of "Henrietta's Wish," "The Kings of England," &c. 2 Vols. fcap. 8vo. 18s.
WATER LILY ON THE DANUBE: an Account of the Perils of a Pair-Oar, during a Voyage from Lambeth to Pesth. By the Author of "The Log of the Water Lily." With Illustrations by one of the Crew, and a Map by A. Petermann. 6s.
SERMONS on the SABBATH DAY, on the Character of the Warrior, and on the Interpretation of History. By F. D. MAURICE, M.A., Professor of Divinity in King's College. 2s. 6d.
NATURAL HISTORY OF INFIDELITY AND SUPERSTITION IN CONTRAST WITH CHRISTIAN FAITH: The Bampton Lectures, preached before the University of Oxford in 1852, with Notes. By J. E. RIDDLE, M.A. 8vo. 12s.
PRINCIPLES OF IMITATIVE ART: FOUR LECTURES before the Oxford Art Society. By GEO. BUTLER, M.A. 6s.
COMETS: A DESCRIPTIVE TREATISE; with a Condensed Account of Modern Discoveries, and a Table of all the Calculated Comets, from the Earliest Ages. By J. RUSSELL HIND, Foreign Sectary of the Royal Astronomical Society. 5s. 6d.
ASTRONOMICAL VOCABULARY; an Explanation of all Terms in Use amongst Astronomers. By J. R. HIND. 1s. 6d.
MELIORA: OR, BETTER TIMES TO COME. Edited by VISCOUNT INGESTRE. Second Edition. 3s.
SEQUENTIÆ EX MISSALIBUS DESUMPTÆ. Collegit, recensuit, notulasque addidit JOANNES M. NEALE, A.M., Collegii Sackvillensis Custos. 7s.
London: JOHN W. PARKER & SON, West Strand.
Printed by Thomas Clark Shaw, of No. 8. New Street Square, at No. 5. New Street Square, in the Parish of St. Bride, in the City of London; and published by George Bell, of No. 186. Fleet Street, in the Parish of St. Dunstan in the West, in the City of London, Publisher, at No. 186. Fleet Street aforesaid.—Saturday, February 12. 1853.