Page 4 Advertisements Column 4

Thames Star, Volume VII, Issue 2552, 12 March 1877, Page 4

Insurance .VT B W Z E A L AND 60V-EBNMENT - LIFE INSUEANCE. I—The Government Lift /Insur-, ance Department issues all desirable forms-of Policies. The Payment of every Policy is guaranteed by the Colony. Participation in Profits is authorised by the Legie l&ture to be given to Policy*holderß. 2-Premium rates are lower than those of Private Companies. 3—No Policy or Medical Pees charged. 4-AU 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 w exhausted in payment of premiums. 5-Absolute Security from Loss —Insurers, after having paid three full annual premiums, are guaranteed a cash surrender value of not )csb than 40 per cent, of the paid-up premiums 5 and if for any reason the premiums are not paid when due, a paidup Policy will ho 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 «b to travel. ling and residence. l B—Policies protected from Bankruptcy. —An Insurance Policy effected by the Insured, Imafide on his own life, is protected from bankruptcy or insolvency laws to a certain amount,, whioh 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-rMarried women may effect Poli . cies, 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 (hose'stated above. , lO^rSettlement Policies-—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 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 j exceed £200, the Commissioner may dispense , with the production of Probate or Letters of . Administration, thus saviag great expense to the representatives of the Insurod. 12—Prompt payment of "Claims and no discount charged. . W. GISBOBHB, Commissioner. AGENT FOR THE THAMES.iJAMES HOPCEAIT, EVENING STAB OFFICE Gbahavstowit. " THE DEBTOEB AND CEEDITOES ACT, 1876. mHE EVENING STjAB (THAMES) Has been appointed a Gazette under the above Act. FOB ECONC »MY, TEA 2s Cd, at MeG fQWAN'S.