THE ATTENTION of intending Assurers is invited to the various Schemes of Life Assurance: 1. Assurance by Yearly, Half-Yearly, or Quarterly Payments during the whole period of life. This Scheme is for those who are able now, and who anticipate that they will continue to be able to pay during life the calculated rate of Premium at present age sufficient to assure the sum in the Policy. 2. Assurance if death shall occur within any given period. This Scheme is for those who desire to provide, at as low a rate as possible, for the contingency of death within a given period. 3. Half-Premium System. Under this Table the Premiums for the first five years are about one-half of those pay. able under Scheme I., while those for the remainder of life are slightly higher. The advantages of this Scheme are, that the Assured gets all the benefit of taking out a Policy in early life, while health is unimpaired, at a low rate, and so escapes the weighs of heavy Premiums during that period when he may be least able to pay them. 4. Terminable Premiums. By this Scheme the Sum Assured is payable at death, but payment of the Premium ceases in 10, 15, 20, or 25 years, as the Assured may prefer. This Scheme is for those who, in the active years of life, are able to pay a large premium, whereby they escape all burden in the later years of life. Policies effected under it possess special Non-Forfeitable advantages, inasmuch as in the event of the Premium being unpaid they remain in full force for such a proportion of the sum assured as the number & Premiums paid bears to the number stipulated for. A Policyholder may thus, at any moment, know the precise amount for which he is assured without further payment. The attention of intending Assurers is specially invited to this Scheme. 5. Endowment Assurance System. Policies effected on this system are payable to the Assured himself at the end of: specified number of years, should he be then living, or to his heirs at his death, if th event occur before the expiry of the specified number of years. The Assured, who recere the proceeds of the Policy, can invest the amount; and instead of paying an Annual Prem to the end of life, as he would require to do under an ordinary Policy, he may, on attaining the specified age, begin to receive the annual produce derived from an investment. The Policy thus becomes a provision for the Assured himself in his old age, an should he have no near relatives to whom the capital may be left, he may expend it the purchase of an Annuity for himself. 6. Annual Premiums for Assurance on Two Joint Lives-the money to be payable at the death of the first that fails. This Scheme is useful for partners in trade; and it also provides for the case of those who may be able to afford mutual support during Life-the income of the survivet however, being insufficient for himself alone. The Company grants Assurances on the lives of persons Abroad, or about to proceed Abroad, at Moderate Rates. Separate Tables have been prepared for residents in India and China, and these form a special feature in the Company's Business. The Company also provides Endowments for Children, payabl on the attainment of a specified age. These may be effected by sing or annual Premiums. ANNUITY BRANCH THE COMPANY grants Annuities to Persons of all Ages on very favourable terms: 1. Immediate Annuities, payable yearly, half-yearly, or quarterly. 2. Deferred Annuities, to commence after the expiry of any number of years; and either with or without return of Premiums in the event of death before attainment of the age selected for commencement of the Annuity. 3. Survivorship Annuities, to commence after the failure of one or more lives, and either with or without return of Premiums. FIRE DEPARTMENT THE COMPANY was established as a Fire Office in 1809. Property of nearly all descriptions Insured, at Home or Abroad, at the owest Rates of Premium corresponding to the risk. The Company holds itself responsible, without extra charge, for damage lone by explosion of Gas in a building not forming part of any Gas Work. The Policies of the Company now extend to cover loss or damage by Lightning to the property insured, whether set on fire thereby or not. 1,231,960 1 7 £1,833,396 3 3 The Accumulated Funds of the Life Department are free from liability in respect f the Fire Department, and in like manner the Accumulated Funds of the Fire Department are free from liability in respect of the Life Department. INSURANCE COMPANY NEW & IMPORTANT FEATURES IN THE LIFE DEPARTMENT. Claims paid on proof of death and title, and not at end of three months after proof of death as formerly. Premiums adjusted to each half-year of age. Minimum Surrender Values fixed, and held at credit of Insured for five years. Paid-up Policy of liberal amount granted in place of lapsed policy, if desired within six months. Error in proposal papers not to involve forfeiture of policy unless accompanied by fraud. Policies in most cases world-wide from outset. ESTABLISHMENT FOR 1887. PRESIDENT.-HIS GRACE THE DUKE OF ROXBURGHE. RIGHT HON. LORD NORTHBOURNE. RIGHT HON. LORD WOLVERTON. SIR MATTHEW WHITE RIDLEY, Bart., M.P. General Court of Directors. DAVID DAVIDSON, Esq., Chairman. EDINBURGH. J. F. WALKER DRUMMOND, Esq. SIR JAMES GARDINER BAIRD, Bart. RALPH DUNDAS, Esq. JOHN WHARTON TOD, Esq. SIR JAMES H. GIBSON-CRAIG, Bart. Medical Officer. JOHN MOIR, M.D., F.R.C.P. J. & F. ANDERSON, W.S. Chief Offices July 1887. Auditor.-JAMES HALDANE, Chartered Accountant. EDINBURGH, 64 PRINCES STREET. LONDON, 61 THREADNEEDLE STREET, E.C. MESSRS. MACMILLAN & CO.'S NEW BOOKS. ROMANTIC LOVE AND PERSONAL BEAUTY: their Development, Causal Relation, Historic and National Peculiarities. By HENRY T. FINCK. 2 vols., Crown 8vo., 188. THE SCENERY OF SCOTLAND, viewed in connection with its Physical Geology. By ARCHIBALD GEIKIE, LL.D., F.R.S., Director-General of the Geological Survey of the United Kingdom. Second Edition, Revised and Enlarged, with Illustrations. Crown 8vo., 12s. 6d. THE PLEASURES OF D.C.L., LL.D. Second Edition. BY SIR JOHN LUBBOCK. LIFE. By Sir JOHN LUBBOCK, Bart., M.P., F.R.S., Fcap. 8vo., 38. 6d. NEW PART (PART XXII.), WATSON-ZWISCHENSPIEL. Price 3s. 6d. A DICTIONARY OF MUSIC AND MUSICIANS. By Eminent Writers, English and Foreign. Edited by Sir GEORGE GROVE, D.C.L., LL.D., Director of the Royal College of Music, &c. Vols. I., II., and III., 21s. each. Vol. I. A to Impromptu. Vol. II. Improperia to Plain Song. Vol. III. Planche to Sumer is icumen in. Demy 8vo., cloth, with Illustrations in Music Type and Woodcut. Also published in Parts. Parts I. to XIV., XIX. to XXII., 3s. 6d. each. Parts XV., XVI., 7s. Parts XVII., XVIII., 78. The TIMES says: "Both artists and writers have done their best to give it a high place in English periodical The English Ellustrated Magazine, 1887. A Handsome Volume, consisting of over 800 closely printed pages, and containing nearly 400 Woodcut Illustrations of various sizes, bound in extra cloth, coloured edges, price 8s. Among the Chief Contents of the Volume are the following complete Stories and Serials:- Marzio's Crucifix. By F. MARION CRawford. A Siege Baby. By J. S. WINTER. And CONTRIBUTIONS by E. A. Freeman, George Meredith, Mowbray Morris, Stanley J. Weyman, A. C. Swinburne, D. Christie Murray, Grant Allen, William Beatty-Kingston, Walter Armstrong, James Sime, George du Maurier, Oscar Browning, Richard Jefferies, and other well-known Writers. With PICTURES by L. Alma Tadema, R.A., E. Burne Jones, A.R.A., Clara Montalba, Dewey Bates, W. Biscombe Gardner, George du Maurier, F. Noel Paton, G. L. Seymour, Clough Bromley, David Murray, Á.R.S.A., Hugh Thomson, and other Artists. A COUNTRY GENTLEMAN. MACMILLAN'S 68. POPULAR NOVELS. New Vols. By Mrs. OLI- THE WOODLANDERS. By THOMAS HARDY. NEERA: a Tale of Ancient Rome. By JOHN W. GRAHAM. PHANT. CHANTRY HOUSE. BY CHARLOTTE M. YONGE. THE PRINCESS THE VICTORIA SHAKESPEARE. SHAKESPEARE. The Text of the GLOBE EDITION, with a New Glossary by MR. ALDIS WRIGHT. Edited by JOHN MORLEY. Vols. I. to IX. ready. Paper covers, 1s. each; cloth binding, 1s. 6d. Goldsmith. By WM. BLACK. Burns. By Principal SHAIRY, Spenser. By the Very Rev. R. W. LOPE. DICKENS'S DICTIONARIES. New Editions, 1887. DICTIONARY OF LONDON, 1887. DICTIONARY OF THE THAMES, 1887. WORKS BY J. HENRY SHORTHOUSE. MACMILLAN & CO., 29, BEDFORD STREET, LONDON, W.C. FOR SEPTEMBER. HARPER'S MAGAZINE. PRICE ONE SHILLING. CONTENTS. “STILL GLIDES THE STREAM, AND SHALL FOR EVER GLIDE.” Illustration for Wordsworth's Sonnet, "The River Duddon." From a Drawing by Frontispiece. Der Reitmeister-A Tailor-made Girl-The Hunting Man-Anglomaniacs-Mounted Policeman-A Family Group-The Constitutional Rider-A Music Ride. BUCCANEERS AND MAROONERS OF THE SPANISH MAIN. Second Paper. Howard Pyle. ILLUSTRATIONS. Drawn by HOWARD PYLE. ... Avery sells his Jewels-Marooned-Blackbeard buries his Treasure-Walking the Plank. HOME RULE IN THE ISLE OF MAN RICHARD WHEATLEY. ILLUSTRATIONS. From Photographs by POULTON & SON, London; GEORGE PATTERSON, Ramsay; and G. A. DEEN, Douglas; and Drawings by HARRY FENN and HUGHSON HAWLEY. Douglas, capital of the Isle of Man-Governor Walpole-The House of Keys in SessionVictoria Street, Douglas-Map of the Isle of Man. NARKA. A Story of Russian Life. Part IX. TONY, THE MAID. A Story. Part I. ... ILLUSTRATIONS. Drawn by C. S. REINHART. KATHLEEN O'MEARA BLANCHE WILLIS HOWARD. "When the gracions Fräulein explains it so nicely, I seem to understand "—" He escorted her to the entrance of his realm "-" Mrs. High-Dudgeon raised one of her dangling, satin arms" "With an engaging smile, he pulls off his cap." THE RIVER DUDDON. A Poem. (See Frontispiece) ... ILLUSTRATIONS. From Photographs and Drawings by HARRY FENN. The Harbour of Valparaiso-Victoria Street, Valparaiso-A Belle of Chili dressed for Morning Mass-Santa Lucia-Exposition Building, Santiago-Statue of Bernard O'Higgins, Santiago-Patrick Lynch-An Inca Queen and Princess-Señora Cousiño-President Balmaceda -Peons of Chili-Mount Aconcagua. THE SONS OF THE STEPPE ... ... HENRY LANSDELL, D.D., M.R.A.S., F.R.G.S. ILLUSTRATIONS. Drawn by H. F. FARNY and CHARLES GRAHAM. Mounted Khivan and Bokhariot-A Kirghese of the Adaef Tribe-A Kirghese BrideTaranchi Market at Kuldja-Glacier of the Kora-Interior of a Family Tent-Wells in the Hungry Steppe '-Mosque at Khiva-Musical Instruments-An Uzbeg Musician. MOLL AND VIRGIL. A Story "Dis Moll an' me (she's my Sister, an' I'm her Br'er), we ain't no free Niggers .. b'longs to Mr. Sangwidge de Lawyer." HERE AND THERE IN THE SOUTH. III. Along the Gulf ... we REBECCA HARDING DAVIS. Headpiece-Summer Breezes in the Suburbs-A Typical House-Bay Saint Louis-Strest in Pass Christian-Domestic Defences-Under the Magnolias-Notes from the Creole Quarter. APRIL HOPES. A Novel. Part VIII. LONDON: SAMPSON LOW, MARSTON, SEARLE, & RIVINGTON, |