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MUTUAL LIFE ASSURANCE.

SCOTTISH PROVIDENT INSTITUTION.

6 St. Andrew Square, Edinburgh; 17 King William Street, London, E.C.

TRUSTEES.

Sir ALEXANDER MATHESON, Bart, of Ardross, M.P.

JOHN COWAN, Esq., of Beeslack, Midlothian.

A. H. LESLIE MELVILLE, Esq., Banker,
Lincoln.

J.A.CAMPBELL, Esq., of Stracathro, M.P., LL.D.
Right Hon. Lord WATSON, of Thankerton.

HIS SOCIETY differs in its principles from other Offices.

THIS

INSTEAD of charging rates higher than are necessary, and returning the excess in the shape of periodical Bonuses, it gives from the first as large an Assurance as the premiums will with safety bear-reserving the Whole Surplus for those Members (a majority of the whole) who live long enough to secure the Common Fund from loss.

A Policy for £1,200 to £1,250 may thus at most ages be had for the Premium usually charged for (with profits) £1,000 only; while, by reserving the surplus, large additions have been given-and may be expected in the future on the Policies of those who participate.

The NEW ASSURANCES have for several years exceeded a MILLION.

The EXPENSES (under 9 per cent. of Premiums and about 6 per cent of year's Income) are much under those of any other Office doing a large business.

THE REALISED FUNDS EXCEED £5,000,000.

Only two Offices in the Kingdom (both older) have as large a Fund.

THE FIFTH SEPTENNIAL INVESTIGATION

Showed a SURPLUS of £624,473, of which a third (£208,150) was reserved for after division, and £416,323 divided among 6,662 Policies entitled to participate. Policies-say of £1,000sharing a first time were increased to sums varying from £1,180 to £1,300 or more. Other Policies, of like amount, which had previously shared, were raised to £1,400, £1,500 and upwards. A few of the early Policies have been doubled.

Examples of Premiums for £100 at Death-With Profits.

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*Thus, A person of 30 may secure £1,000 at Death, by a yearly payment, during life, of £20 15s.. This Premium, if paid to any other of the Scottish Mutual Offices, would secure £800 only, instead of £1,000.

[The non-participating Rates of other Offices differ little from these Premiums, so that persons who assure with them virtually throw away the prospect of additions from the Profits without any compensating advantages.]

OR, if unwilling to burden himself with payments during his whole life, he may secure the same sum of £1,000 by twenty-one yearly payments of £27. 13s. 4d.-being thus free of payment after age 50.

† At age 40 the Premium ceasing at age 60, is for £1,000, £33. 14s. 2d., being about the same as most Offices require to be paid during the whole term of life.

Claims are payable one month after proof of death.
REPORTS with STATEMENT of PRINCIPLES may be had on application.
J. MUIR LEITCH, London 'Secretary.

JAMES WATSON, Manager.

THE GRESHAM LIFE ASSURANCE SOCIETY.

ESTABLISHED 1848.

Head Office: ST. MILDRED'S HOUSE, POULTRY, LONDON, E.C.

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BRIGHTON

BRISTOL

HULL

LIVERPOOL

..

Trinity House Lane.

NORWICH

Gresham Buildings, 99

Dale Street.

Bank Plain.

STOCKTON-ON-TEES, Bank Chambers.
SUNDERLAND.. 37 Fawcett Street.

WALES.-CARDIFF: Gresham House, Roath.

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BONUS YEAR, 1885.

£3,491,376
3,391,789
685,369

POLICIES effected before the 1st July, 1885, on the profit tables, with annual premiums, will participate in the Bonus to be declared this year, in the manner prescribed by the regulations of the Society.

Moderate Rates of Premium. Liberal Scale of Annuities. Loans granted upon Security of Freehold, Copyhold, and Leasehold Property, Life Interests, and Reversions; Also to Corporate and other Public Bodies upon Security of Rates, &c. Prospectus, Reports, and Proposal Forms can be obtained on application to the Society's Agents 1 Branch Offices, or to JOSEPH ALLEN, Secretary.

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