Page 4 Advertisements Column 2

Thames Star, Volume VII, Issue 2522, 5 February 1877, Page 4

Insurance KTEW.IE A L A N D GOVERNMENT LIFE INSURANCE. • ■■ ■ • \ ' I—The Government Lift /Insurance Department issues* all desirable forniß of Policies. The Payment of everj, Policy is guaranteed by the Colony.] Participation in Profits is authorised by the Legis lature to be given to Policy-holders. 2-Premium rates are lower than those of Private Companies. 3—No Policy or. Medical Fees charged. 4—All Policies are non-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 having paid threo full annual premiums, are guaranteed a cash surrender value of not less than 40 per cent, o/ the paid-up premiums ; and if for any 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 a» to travelling and residence. B—Policies protected fr©mßank» l*uptcy« —An lasurance Policy effected by the Insured, Itnafidfc 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 £200; after five years, to £500 j 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 Poli eies, dispose of the money by will, as 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.—Policies effected for the benefit of the wife and children of the Insured are "absolutely pro-« tected 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 i» 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. GISBOBNB, Commissioner. AGENT FOR THH THAMES i— JAMES HOPCKAIT, EVENING* STAR OFFICE Gbahamstown. " THE DEBTORS AND CREDITORS ACT, 1875. mHE EVENING STAR (THAMES) Has been appointed a Gazette under the above Act. FOR ECONOMY, TEA 2s Gd, at McGO WAN'S.