Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 2001, 3 June 1875, Page 4

Fire and Life Insurance STANDARD FIRE AND MARINE INSURANCE COMPANY OF NEW ZEALAND. THAMES AGENT:— Grahamstown, 77-t« i «J Ej W : ZEAL AN D GOVERNMENT LIFE INSUBANCE. ■ ■ .■ ■. ■. '.: ;■■"■ ■ ■ I—The Government Life • Insurance Department issues all desirable forms of Policies. The Payment of every Policy is guaranteed by Me> Cqhity. Participation in Profits is authorised by the Legislature to be given to Policy-holder!. 'I 2- Premium rates are lower fcn»n thoso ef Private Companies. " - 3—No Policy or Medical Pees charged. ' , ; ' ■'_ ■;' ] : :■ ■ ■ ■ 4—All Policies are nonforfeitable after one full annual payment to the full, extent of their value, under a special regulation providing for the continuance in force of every Policy for the original amount, until the surrender-value of the Policy is exhausted in payment of premiumi. s—Absolut© Security from Loss. —■Insurers, after having paid three full annual premiums, are guaranteed a cash surrender value ef not less than 40 per cent, of the paid-up premiums; and if for any reason the premiums ore not paid when due, a paidI up Policy will be issued, generally equal in amount to the .premiums paid, and often much in excess. ' 6—Thirty days of grace are allowed on all Benewal Premiums. / 7—Liberal conditions m to travelling and residence. ! I . , j .'. ■'.•■ ■;.•:' .-:: : ■■"•.■.-. ..■ ■.■;.■-:' ; ; : B—Policiesprotected from Bankruptcy'—An Insurance Polioy effected by the Insured, btnajide on his own life, is protected from bankruptcy or imolrency laws to a certain amount, which increases with its duration. - Thus, after it has endured for two years, it is protected to the extent of £200; after five years, to £500; after seven years, to £1000; after ten years, to £2000. This protection applies only in favour of the personal representative of the Insured. 9—Married WOmen may effect Policies,dispose of the money by will, os if single; and their Policies are protected from the debts of their husbands, according to duration, to amounts similar to those stated above. 10—Settlement Policies- r-Policies effected for the benefit of the wife and children of the Insured are absolutely protected from the claims of creditors to the extent of £2000, provided that the premiums ar« payable during life, or any period not lets than seven years. If apportionment is not made at the time, it can be subsequently made by will; 11—Probate, &c./dispensed with ■—When a claim under a Policy does not exceed £200, the Commissioner may dispense with the production of Probate or Letters of Administration,, thus saving great expense to the representatives of the Insured. 12—Prompt payment of Claims and no discount charged. W. Gisbobhe, . Commissioner. AGENT FOR THE THAMES:— JAMES HOPCEAFf, EYE&IN<3 STAR OFFICE, Gbahahstown.