WESTERN LIFE ASSURANCE AND ANNUITY SOCIETY.

3. PARLIAMENT STREET, LONDON.

Founded A.D. 1842.

Directors.

H. E. Bicknell, 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.; George Drew, Esq.,
T. Grissell, 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.
171144 322108
221188 372186
27245 42382

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.

SOLICITORS & GENERAL LIFE ASSURANCE SOCIETY,

52. Chancery Lane, London.

———

Subscribed Capital, ONE MILLION.

———

This Society Presents the Following Advantages:

The Security of a Subscribed Capital of ONE MILLION.

Exemption of the Assured from all Liability.

Premiums affording particular advantages to Young Lives.

Participating and Non-Participating Premiums.

In the former EIGHTY PER CENT. or FOUR-FIFTHS of the Profits are divided amongst the Assured Triennially, either by way of addition to the sum assured, or in diminution of Premium, at their option.

No deduction is made from the four-fifths of the profits for Interest on Capital, for a Guarantee Fund, or on any other account.

POLICIES FREE OF STAMP DUTY and INDISPUTABLE, except in case of fraud.

At the General Meeting on the 31st May last, A BONUS was declared of nearly Two Per Cent. per annum on the amount assured or at the rate of from THIRTY to upwards of SIXTY per cent. on the Premiums paid.

POLICIES share in the Profits, even if ONE PREMIUM ONLY has been paid.

Next DIVISION OF PROFITS in 1856.

The Directors meet on Thursdays at 2 o'Clock. Assurances may be effected by applying on any other day between the hours of 10 and 4, at the Office of the Society, where prospectuses and all other requisite information can be obtained.

CHARLES JOHN GILL, Secretary.

POLICY HOLDERS in other COMPANIES, and intending Assurers generally, are invited to examine the Rates, Principles, and Progress of the SCOTTISH PROVIDENT INSTITUTION, the only Society in which the Advantages of Mutual Assurance can be secured by moderate Premiums. Established 1837. Number of policies issued 6,400, assuring upwards of Two and a Half Millions.

Full Reports and every Information had (Free) on Application.

*** Policies are now issued Free of Stamp Duty; and attention is invited to the circumstance that Premiums payable for Life Assurance are now allowed as a Deduction from Income in the Returns for Income Tax.

GEORGE GRANT, Resident Sec.

London Branch, 12. Moorgate Street.

PHOTOGRAPHY.—Reduction in Price of French Papers prepared for Mons. Le Gray's Process. Examination of the Papers, and comparison with the Prices hitherto charged for the same description, is respectfully solicited; the most perfect Selection and Chemical Manipulations having been observed, with a hope that an endeavour to reduce the Cost of this beautiful and extensively applied Branch of Photographic Art, may secure a portion of Public Patronage. Canson Frères' Waxed Negative (all spotted or imperfect sheets rejected), 6s per Quire. Iodized ditto, 8s. Sensitive, available for three weeks, 13s.: Size 17½ by 11½, demy folio. Specimens of other Papers sent Free, between boards, on Receipt of Postage (10 Stamps), addressed, Prepaid, to

LUKE SAMS, 7. Adelphi Chambers, facing the Society of Arts, Adelphi, London.

*** Positive Papers, English and Foreign.

IMPROVEMENT IN COLLODION.—J. B. HOCKIN & Co., Chemists, 289. Strand, have, by an improved mode of Iodizing, succeeded in producing a Collodion equal, they may say superior, in sensitiveness and density of Negative, to any other hitherto published; without diminishing the keeping properties and appreciation of half tint for which their manufacture has been esteemed.

Apparatus, pure Chemicals, and all the requirements for the practice of Photography. Instruction in the Art.

THE COLLODION AND POSITIVE PAPER PROCESS. By J. B. HOCKIN. Price 1s. per Post, 1s. 2d.

PHOTOGRAPHY.—HORNE & CO.'S Iodized Collodion, for obtaining Instantaneous Views, and Portraits in from three to thirty seconds, according to light.

Portraits obtained by the above, for delicacy of detail rival the choicest Daguerreotypes, specimens of which may be seen at their Establishment.

Also every description of Apparatus, Chemicals, &c. &c. used in this beautiful Art.—123. and 121. Newgate Street.

PHOTOGRAPHIC CAMERAS.—OTTEWILL'S REGISTERED DOUBLE-BODIED FOLDING CAMERA, is superior to every other form of Camera, for the Photographic Tourist, from its capability of Elongation or Contraction to any Focal Adjustment, its Portability, and its adaptation for taking either Views or Portraits.—The Trade supplied.

Every Description of Camera, or Slides, Tripod Stands, Printing Frames, &c. may be obtained at his MANUFACTORY, Charlotte Terrace, Barnsbury Road, Islington.

New Inventions, Models, &c., made to order or from Drawings.

Celtic Literature, Welsh Dictionaries, Breton Songs.