Page 8 Advertisements Column 3

Clutha Leader, Volume III, Issue 115, 22 September 1876, Page 8

Dunedin Advertisements Few Advertisement l By «,.<. 0 1,il apixuntinoi.t, Jow„ilors to their I\TE\V ZMALAND GOVKRNMEXT Excellencies Sir damns Fr-r:> us^on and the Mar- ( I >y cutis of jSToinianby. LIFE ASSURANCE. (O. & T. V O TJ ?f G, V*. mvoivvKUA 02TTHB WATCH ANU CLOCK SEAKERS, MUTUAL ou PARTICIPATING PRINCIPLE. M ATTtTI-'ACTIUUNCJ .1 E'.VEI-jl/KRf*, P R I N CBS-oT RBB T, DV N BDI N, Opposite Bank of New South Wales, i. 'i*' 10 Government Life Insurance Deparfc- '**"■ ° ment issues all forms of policies, ami the PayJ rncnij of every Policy is (rnaranteed by the O Ii N HISLOP, Co]o7iy , V - T -■ Division of Profits.— The surplus or profit is Watchmaker and Jeweller. rtV . lo ,. al , i -. i r ■■, -, r ordered by law to lie divided among pohcy(EvaeHy npp.-s'l-p thn National Bnnk of N. Z.) QVS ouly, aud is to he ascertained every fifth year. The first investigation with a view to di" PRINCES STREET, DTJNEDIN, vision of Profits is to he made as at SOtiiJuno, 1880. As showing- the wonderful progress of the Beys to inform the puhlie that he is in con- Department, ifc may be mentioned that out of 100 slant receipt by every nml of oi ihe oUoSib aufl boc,t officos in Great Britain, the New Zealand Government Lifo insuranoe GOLD AND SILVER, WATCHES, Office came fourth on the list for amount of business done during the last three years, having For which tills house-is so well kn- wn, beintr i nßUve ,l over half a million per annum during -rnnnfflctu.-ed expn.i--.slv for ColoDial use. ' ( '' liat tilllc ■ that during the first ftvo Years of its existence, there was a, clear profit of £12.000, and this in addition to all the expenses incidental to THE JEWELLERY DEPARTMENT one of the largest and most bene- ,-, l . , • <, , • .. -„ ficial institutions of the Colony. This oMier fact ContwiPS ft choice Selection ot l«,arrmg3. may also lio mentioned,-vi z :, that taking fifty Bracelets. Broo dies, Chains. Lockets, Rinps. in Y'A'< mcc of T lcra ™. Gre^ b Britain of au average or ten years standing, their animal expenses ou Pino, Studs, and Bohemian Garnet Work. now husiness was nearly 50 per cent., whereas the expense of tho Government Insurance, of only five'years' standing, was only 18 per eeut. COLONTAL JEWELLERY ;-•. Premium Rates are Lower than the particiMauufaeturcd on the Premises. v f } n * ™ tw *. of . P«vato Companies to an extent which is equivalent to a bonus in advance of from ————— 15 to 20 per cent. Chronometer, duplex, horizontal lever . 4 - R'.vnie.it of Promiums.-Thepaynmots may no made d tint). -5 whoie term of life, or dm mt? a vcrg*?, pnd other Wi tches, accurately repaired, limited period only, at an invariable annual, hidL--and j*uar.*nteed. y c:^l> r -) quarterly, or weekly premium, or hy a „.V ,_„ . . , , . single premium. Weekly ])iemiums can only be bbip* Chronometers rated by transit ob- paid on policies issused in the Industrial Branch cervalioa. of il]o Department. . ■5. Thirty Days of Ornce are allowed on all Renewal Premiums, and no policy is absolutely forJ. IT. beiner a thorough practical workma-n, foiled .for non-payment of premium, unless the all woik entrtisfei to his care will receive the T ,l ' e l lliu, » remains unpaid for twelve months. Such policies may be renewed, provided tho utmost litrention, premiums in arrear. 1 ? and interest are paid, and — the Insured is 'in unimpaired health. 17 ULC A K FOUNDRY, r >- Lilwal Conditions as to Travelling, ResiV deuce, k&Y: — GREAT KTNG STREET, ( l -) Policy-holders may tiavel without I)UXEDI*\ T license or payment of extra premium, " ' or reside in any part of the world, exKINCAID. M'QUKBN, & CO. cept wiibin 25 degrees of the eqivitor. c ' {■!.) Policy-holders may change then* occuLMrosTiinsj pation without license or payment of Iron Sbinbuilrer.s, B'-iltrmakfrs, Emsjirjeers, extra promintn. MilJwriyhis, touinh« Rlneksmiths, &c. (°*) hy suicide (except within twelve monlhs of the date of the policy), by ,-,1,-ir .- -v t. j duelling, or by the hands of Justice Ad kinds 0, r n <tu^.,n brass snd iron done ; (loes no " t vokT fl - licv ste m .-ii!*!*)^ feud boilr-r-- *•--,•> J« j^nd repaired ; (4,) j N r 0 po]iey i )oCom V s vo id by any act of ov-.isi'or brei'«-t. »n<\ ttirbiee water v heels ; the assured so far as regards the inqnnrivo orn?i'Jug machitte.-y ; pu-rping and teresfc of any third peison, provided winding t*e:u* ; e.tsr, iron sli>icts ant jippde siu-h act is done without the knowplates ; t-hut iron ' hcp;.cr and i-luioo plates ledge, and that tbey pay the, adclito any size i,l P.tde ; void dt edging spoons, tiotnil premium required, if au.y, as punched &c. ; fl**ur mil! n-cb^oi v m^ e <. u( ] ' so , 'as s,ldl ilct corats to th eir knowrep^i'.d ; nil kinds of na7rg%' tbiv.-hmu, ... >™Z°-lio-'i'-i" we- n-a-!d.H« &--> rr:>-i-td- ir-i.v '-^H lobcics, a! ter five yenis' duration, are dre-incr ni-ohhirs in -de to o' d.r! " ' ' If^ "> M ™ W ] C'lchallengeableon any grounds whatever connected with tho statements on which mlln /xm .~~rTf\ nVnat nn r the at=su,- tl i.ce. wa« ba--cd, provided the a-e of tho rfl H E OTAGO FOUNUIii Insured has been admitted. JL 8. AH Policies, after five yeais' duration, are Cumberland Firmer, Dunedin. Freed f'*om all Conditions., except the payment of jn-emium, provided tho age of the Insured has T TVWmc'.niV C h been admittcl, and he has attained thirty years J. UA \ I UoUiii CC UO., of age, and he has resided continuously' within (Tats Wm. Wilson ) s°. ""''"ajT limits from tho date of the policy. " J Holders of such policies can voyage or reside in Engineer.**, P oiler Makers, aud Iron Founders any part of the world without license or payment 0? any extra premium. Maeh'-urry of aM \, md 3 made to order _9. prod' of Age.- Age will be admitted at any time on a policy or production of rdLhei* a CertiftAlfO E**!."'r.c-\ '8' ilc"*?. md pvj.ry df?cription cate of Rirfh or Baptism : or, failing these, the of Pf-*-;'*--*,"-''*-. •!)'.:,() : Jro;*. Mid ' best ]>roof tlait can be procured, smdi as. for in--1-10 <*a--t li <>i\ W")k. " stance, an entiy in a family Bible, or a. slatutoiy _J [ dcclaiatiou from a relation or friend slating be--i> -. /w-v m T -. 1 T-. -n r, -tt „t^ bet i^ to age and grounds o f such belief. O L f-r ( " R^ l }Ji ß ?/! JJR D i 10 - A]l 1V ' licl '" n ™ afier throe V_y S{ h AAI bA iV, lAjAy ING. and years io the full extent of their value, so long as ■iIOULDING- MILLS SASH and DOOR the surrender value of the policy is not less than FACTORY, the premiums in arrear together" wilh interest at six per cent, per annum, thus giving to every ON HA"ND. policy.holdtr a f tdl equivalent for every premium Larn-e and :*l*ll Assorted p-litl - Wucll P olic i es ma .V he revived even within STOCKS OF^TIMBIRS and HIJ'LDIN*? I,vv -, e11,0 moM ™ ftfleiy exluimlion of suiremler Mai'*- RIALS ,_!„«-, d.«rip«on. YA S'JSS ZtlS?"* ] ' M md W " ON SALE ■*■'*" '^ G - Jso l u^ e,< *- oeui 'Ry fromLo^s — Tn^uvers cnnTfß AV,r,* Tp'aV ht.,l' PfiTAVTAT after having paid three full annual preniiuius, „CO I Ch, Aftifc. JCA J, and COLOMAI ?ro g liai ,, llt eed a ca^h surrender value of amount r. TVA « 17f fi , nnv T3 mPTPP ' i ? f 4 ° per ccllfc ' °^ tl,e l' 8^" 1^ P'emtum.s ; and if uALVAMZ*D IRON RIDGING-, and for any reason the premiums are not ,-aid when fc"P*-UTINO. JKX>BNnndB -.PF-IES, due, a paid-up policy will be gi-nntocl for an GLAS--. DOORS and CASE.VHCN PS, amount generally gi eater than tho paid-up nrcMOULDINGS and ARCHITRAVES, miun)«. CORNICE and SKIRTINGS. The following- illustration shows the practical EUhDLE7 PO^TS and RAILS, working of clause-* 10 awl II':- A person aged TURNEtY &c -■ T -"* l * rp( l tor £100, paying an nnnnrd premium CEMENT and PLASTERS, ?, f £2 °" M ' policy has been in force for oT-.TiT':; ..nrl OKAT**3 PTpt/c riA«Q y hl ce years, and failing to pay the next piemuun, wI-B- *n <t,A OH JakA - » f ' ihe snrre "' l er value of £2 (is Id would he aiipliod WI-1 t,KLW R LGU ( S' M ATE SI AL, period of twelve months, dining which time the of e'-ery Description. policy can be revived, as slated ' iv the preceding clause No. 10, unless he should desire to caucel Illrslrated Catalogues on application. Ie P°ltey, in which case he could either receive JINDLAY & CO c Km ' reDc l e *-' v - llue in cash, ot* a policy free ot Stuar,-, aiu. »a t -««b*iiv;w*h, wli ' 12. Loans on Policies.— Policy-holders can borGi T? O"V li- R "R T? OT 1 T-T 7? Tl Q row on tl)0 securities of their policies at 7 per j. I^, UVJL o ±5 ±i O TII 41. BS, Qeil t. pe v annum to tho extent of 90 nor cent, of rt a t> ti t a /-i -n t> tt t r t, t, -,-. r-, le Cfls^ surrender value. CARRIAGE BUILDERS, ,•, -v r „ PA . , ' , . n , ' 10. JSiotice of Assignments ove only received at High-street. Dunedin. .'he Head Office, Wellington. See section 22 of "* The Government Insurauce and [Annuities Act, DouVe and sieg'c se-it-jd buggies 1874.-' Waa^onc-ues " . 14- Policies Protected from Bankruptcy.— An Basket Phaetons insurauce policy eflected by the insmed bona Tilbury fi< * e on -* 11 *3 ov v ]} '° is Pi'^tected from bankruptcy Rtoti&t'i'ns and or ivs °i v enoy laws to a certain amount, which TfindanV "' increases with its duration. Thus, after it has , endured for two years, ifc is protected to the exAlways on hand, and of the most secure teutof £200; coosttuelion. After five years to £50f) t After seven years to £1000 Buggies, Wrggonel-t:*?, &c., repaired on tbe After ten yeais to £2000 (•hot ttst notice. Tllis protection applies only in favour of the personal representatives of the Insured. Couutry Orders promptly attended to. -^ Mariied women may effect policies, dispose (];7! * of the money by will as if single, and their poli- — — cies are protected from the debts of their hus--0& bands, according to duration, to amounts similar V AAfsAs&yk it to those stated -above. 1^- Settlement Policies. — Policies effected for c-PrrrAT "vfvpTnn the benefit of the wife and children of the In-brj-wiALi .tNOiluti-. sured are from the date of issue absolutely protected from the claims of creditors to tlie exJA.ME**- MUJR, liavio-g jesolved io carry on fcent of £200() ' provided that the premiums aro the Hatting business by himself, hrgs fo P n y able rt"™'3 life, or any period not less than inauk his numerous Patroos and the Public seven y ear * s - gtnetallv, for the liberal suppot the has re* . 17 .A P^ifiy-hohler may at anytime Dominate ficived since he entered into husiness on his «« wife, hrotbev, chilcl. ov sister to receive the oirn account, and hopes by strict attention to eTeedS provided it does not basdoes?, to merit a continuance of their ~\ Q t> ~i •! s v j ■■.-i m i iayors Probates, &c, dispensed with.— When a m,„" «^™- - ni claim under policy does nob exceed £200, the Ihe new patent vedUlation.m black or Commissioner ma/dispense with the production rkab, velvet, Italian Cloth. The best house 0 f probate or letters of administration; thus savid town for rf ai French Ire'ts. . i ng g rea t expeDse'to the representatives of the Old-fashioned hats cut down and altered to Insured, present-fashion. .. ■ .. ; , .19. No PoUcy.or Medical Fees clmrged.-As-surances .'are granted on a single life to the exNote the Address : ' tent.pt £?,s()s,. „ T . .. . OPPOSITE THE BAWK OF JSIEW ZEA- ' Claims idre^a^in^nn as soon as death : is LAND' '•■ - : P rove tlaiKlt,he representifftves of the deceased .:P*ioces Street. Darfedin. . :^^ to^sch^e-^oUpy. , — „.A'." •-' — — '—. : . -Note. — Printed copies-bf -.feb^ Annual Reports J a \,r 7? aT> vn'oTTr'Ti ri 'H rr- Ac *? oun ts of- the Dep-irfcin&i;' together with A IVI ih b Ji . M ',C tU-li L\Q U.H, Forms of- Application :'an oV full * paf-ti'culars, may Sharebroker, Land, Estate, and- General ho obtained .at :'any Moneys-Order Post Office in Commission Agent, ; the Colony. • ; V . •>. . No. 1 Chambers, Priu ces-screet, Dtmedin. * .T. M'DONOCH, --Vrl-^l^i Parliamentary Aqeht. ' a 276 .% ' Cliief Agent, Otagt-^^^g

Few AdverfciGernent l IVTEVV ZM ALAND GOVERNMENT LIJfE A S S DEABf CE. ON THE MUTUAL ou PARTICIPATING PRINCIPLE. 1. Tho G'oA'ernment Life Insurance Department issues all forms of policies, ami the Payment of every Policy is Guaranteed by the Colony. 2. Division of Profits.— The surplus or profit is ordered by law to be divided among policyholders only, aud is to be ascertained every fifth year. The first investigation with a view to division of profits is to be made as at 30th Juno, 1880. As showing the wonderful progress of the Department, it may be mentioned that out of 100 of the oldest and best officos in Great Britain, the New Zealand Government Lifo Insurance Office came fourth on the list for amount of business done during the last three years, having insured over half a million per annum during that time ; that during the first ftvo years of its existence, there Avas a, clear profit of £12.000, and this in addition to all the expenses incidental to establishing ono of the largest and most beneficial institutions of the Colony. This oilier fact may also lie mentioned, — viz., that taking fifty insurance offices in Great Britain of an average of ten years' standing, their animal expenses ou new husiness %vas nearly 50 percent., Avhereas the expense of tho Government Insurance, of only five'years' standing, Avas only 18 per eeut. S. Premium Rates are Lower than the participating rates of Private Companies to an extent which is equivalent to a bonus in advance of from 15 to 20 per cent. 4. Payment of Premiums. — The payments may be made during whole term of life, or din ing a limited period only, at an invariable annual, halfyeaily, quarterly, or weekly premium, or hy a single premium. Weekly premiums cau only be paid on policies issused in the Industrial Branch of tho Department. ■ 5. Thirty Days of Grace are allowed on all Renewal Premiums, and no policy is absolutely forfeited , for non-payment of premium, unless the premium remains unpaid for twelve months. Such policies may be renewed, provided tho premiums in arrears and interest are paid, and the Insured is -in unimpaired health. C>. Liberal Conditions as to Travelling, Residence, ke.Y- — (I.) Policy-holders may tiavel Avithout license or payment of extra premium, or reside in any part of the Avorld. except Avtihin 25 degrees of the equator. (2.) Policy-holders may change their occupation without license or payment of extra premium. (3.) Death by suicide (except Avithin twelve months of the date of the policy), by duelling, or by the hands of Justice does not void any policy. (4.) 2n t o policy becomes void by any act of the assured so far as regards the interest of any third pei-son, provided such act is done Avithout the knowledge, and that they pay the additional premium required, if any, as soon as such act comts to their knowledge. 7. All Policies, afier five years' duration, are Indisputable and Unchallengeable on any grounds whatever connected ay ith tho shilemr-ntsVii Avhich the :^sm*,n,ce, wa« bn=-cd, provided the ix^e of the Insured has been admitted. 8. All Policies, after five yeais' duration, are Freed f'*om all Conditions, except, the payment of premium, provided tho age of the Insured has been admittc-l, nod he lias attained thirty years of age, and he has resided continuously' within the ordinary limits from tho date of the policy. Holders of such policies can voyage or reside m any part of tho world without license or payment of any extra premium. _9. Pro -if of Age. — Age will be admitted at any time on a policy or production of (dLhei* a Certificate of Pi rfh or Baptism : or, failing these, tho best proof that can be procured, such as. for instance, an entty in a family Bible, or a slatutoiy dcclaiatiou from a relation or friend stating belief as to age and grounds of such belief, 10. 7\ll Policies are n on -Foifei table after three years fo the full extent o> their A-alue. so long as the surrender value of the policy is not less than the premiums in arrear together" wilh interest at six per cent, per annum, thus giving to every policy.holdtr a ftdl equivalent for every premium p.iid. Such policies may be revived even within twelve months after exlunslion of suiremler value on proof of unimpaired health and payment of arrears aud fines. 11. The Absolute Security from Lo*s — Tn mi vers after having paid three fiill annual premiums, pro guaranteed a ca*di surreuder value of amount of 40 per cent, of tlie paid-up premiums ; and if for any reason the premiums are not paid when due, a paid-up policy Avill be granted for an amount generally gi eater than tho paid-up premium'-'. Tho following illustration shows the practical working of clausp-t 10 and II ':-- A person aged 30, insured for £100, paying an annual premium of £2 0s od, Avho.se policy has been in force for three years, and failing to pay the next premium, the surrender value of £2 (is Id would be applied by the Office to keep (he policy in force for a period of twelve months, during Avhich time the policy can be revived, as slated iv the preceding clause No. 10, unless he should desire to caucel the policy, in which case he could either receive the surreuder value in cash, or a policy free ot all future premiums, of £6 (Is 7d, being aii amount slightly exceeding the piemiums he lias paid. 12. Loans on Policies.— Policy-holders can borrow on the securities of their policies at 7 pet* cent, per annum to the extent of 90 nor cent, of the cash surrender value. 13. Notice of Assignments ove only received at .'he Head Office, Wellington. See section 22 of "" The Government Insurauce and Annuities Act, 1874," 14. Policies Protected from Bankruptcy.— An insurauce policy eflected by the insmed bona fide on his ov 11 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 £50f) After se-A'cn years to £1000 After ten yeais to £2000 This protection applies only in favour of the personal representatives of the Insured. 15. Man ied 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 duration, to amounts similar to those stated -above. 16. Settlement Policies. — Policies effected for ihe benefit of the Avife and children of the Insured are from the date of issue absolutely protected from the claims of creditors to tlie extent of £2000, provided that the premiums aro payable during life, or any period not less than seven years. 11. A Polioy-hohler may at any time nominate his wife, brother, child, or sister to receive the sum assured at his death, provided it does not exceed £200. 18. Probates, &c., dispensed with,— When a claim under 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. • .19. No Pol icy ..ov Medical Fees charged.— Assurances .'are granted on a single life to the exte'nt.pf. i'3Cfoo...y „ „.-..'. * 20. Claims ;-n,i*e : pa'fif iji-^kjll as soon as death : is proved aud t.he representatives of the deceased . are able to discharge-, th'e -policy. • Note. — Printed copies-of.-.tl)e v Annual Reports aud Accounts of- the Dep*wtin#nt; together Avith Forms of- Application an d„ full 'paf-ticulars, may bo obtained .at :'any iloney -Order Post Office in the Colony, • V. - * „ . .V ; T, M'DONOQH, . ' . AsMW§^ a 276 . 7 Cliief Agent, .Otagi|^|j^