Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 2006, 9 June 1875, Page 4

Fire and Life Insurance O T AN D A ED FIRE AND MARINE INSURANCE COMPANY OP NEW; ZEALAND. THAMES AGENT :— ESWIK BINNBX, Grahamstown. 77-tn -,j MEW' ZEALANDI GOVERNMENT LIFE INSURANCE. I—The Government Life Insurance Department -issues all desirable forms of rolicies. The Payment of every Policy is guaranteed by the Colony. Parti* cipation in Profit! i> authorised by, the Legislature to be giv«n to Policy-holders. 2-Premium rates are lower than those of Private Companies. 3—No Policy or Medical Pees charged. 4—All Policies are nbn-forfeit-able 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 premiums. s—Absolute Security from Loss. —Insurers, after haying paid three full aniraal premiums, are guaranteed a cash surrender value ef not less than 40 per cent, of the paid-up premiums; and if for aiiy reason the premiums are not paid when due, a paidup 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 Renewal Premiums.' 7—Liberal conditions as to travelling and residence. ' ' '; B—Policies protected from Bankruptcy- —An Insurance Policy, effected by the Insured, benajide on his own life, is protected from bankruptcy or insolvency 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 JE2OO; 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, as if single; and their Policies are protected from the debts of their husbands, according to dura* tion, to amounts similar to those stated above. , 10—Settlement Policies—Policies effected for the benefit of the wife and children of the Insured nro absolutely, protected from the claims of creditors to the extent of £2000, provided that the premiums are payable during life, or any period not less 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, an 3 no discount charged. W. QISBOBKE, Commissioner. AGENT FOE THE THAMES :— JAMES HOPCBAFf, ITININ9 STAR; OFFICE, Gbahamstoww.