THE Scottish Provident Instituted 1837. Institution. Incorporated 1848. Head Office-6 St. Andrew Square, Edinburgh. IN THIS SOCIETY are combined the advantages of Mutual Assurance with Moderate Premiums. THE PREMIUMS are so moderate that at usual ages for Assurance of £1,200 or £1,250 may generally be secured from the first for the yearly payment which would elsewhere assure (with profits) £1,000 only-the difference being equivalent to an immediate and certain Bonus of 20 to 25 per cent.. THE WHOLE SURPLUS goes to the Policy holders, on a system at once safe and equitable-no share being given to those by whose early death there is a loss to the common fund. Examples of Premium for £100 at death-with Profits. * A PERSON OF 30 may secure £1000 at Death by a yearly payment, during life, of £20 15s., which would in most Offices secure (with profits) £800 only. Or he may secure £1000 by 25 payments of £26 10s., being thus free of payment before age 55. † AT AGE 35 the Premium, ceasing before age 60 is, for £1000, £28 17s. 6d., being about the same as many Offices require during the whole of life. To Professional Men and others whose income is dependent on health, the limited payment system is specially recommended. The SURPLUS at last investigation (1894) amounted to £1,423,000. More than one-half of the Members who died during the last Septennial period were entitled to Bonuses which, notwithstanding that the premiums do not as a rule exceed the non-profit rates of other Offices, were on the average equal to an Addition of about 50 per cent. to the Policies which participated. ACCUMULATED FUNDS, exceed £10,500,000. ARRANGEMENTS as to SURRENDER, NON-FORFEITURE, LOANS on POLICIES, IMMEDIATE PAYMENT OF CLAIMS, FREE RESIDENCE, &c., are specially liberal. December, 1898. JAMES GRAHAM WATSON, Manager. Branch Offices in Glasgow, Aberdeen, Dundee, Birmingham, Bristol, Cardiff, Leeds, Liverpool, Manchester, Newcastle, Nottingham, Belfast, and Dublin. LONDON OFFICE: 17 KING WILLIAM ST., E. C.-J. MUIR LEITCH, Secretary. [c] STATESMAN'S YEAR-BOOK STATISTICAL AND HISTORICAL ANNUAL OF THE STATES OF THE WORLD FOR THE YEAR 1899 EDITED BY J. SCOTT KELTIE, LL.D. SECRETARY TO THE ROYAL GEOGRAPHICAL SOCIETY HONORARY CORRESPONDING MEMBER OF THE GEOGRAPHICAL SOCIETIES OF PARIS, BERLIN, WITH THE ASSISTANCE OF I. P. A. RENWICK, M.A., LL.B. THIRTY-SIXTH ANNUAL PUBLICATION REVISED AFTER OFFICIAL RETURNS London MACMILLAN AND CO., LIMITED NEW YORK: THE MACMILLAN COMPANY |