Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 1977, 6 May 1875, Page 4

Fire and Life Insurance Qt T AN D A R D FIBE AND MABINE [NSUKANCE COMPANY OF NEW ZEALAND. THAMES AGENT :— ESWIft BIIfVZT, : . Grahamstown. ,77-tc V T E W Z B A L A N GOVEENMENT LIFE INSURANCE. I—The Government Life Insur- i ance Department issues all desirable j forms of Policies. The Payment of every j Policy is guaranteed by the Colony. Participation in Profits is authorised by the Legislature to be given to Policy-holders. t 2- Premium rates are lower th»n 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 Ihe original amount, until the surrender-value of the Policy is exhausted in payment of premiums. s—Absolute Security from Loss- . —Insurers, after having paid three full annual ' premiums, are guaranteed a cash surrender value of not less than 40 per cent, of the paid-up premiums; and if for aßy reason the premiums are not paid When due, a paidup Polio; will be. issued, generally equal in -amount to the premiums paid, sod often much in excess. """-'■ -^ ■ - • *- 6-? Thirt- days of grace »re allowed on .all Renewal Premiums. ... '. 7—Liberal conditions m\o travel-, ling and residence. T ■ B—Policies protected from Bankruptcy* —An Insurance Policy effected by the Insured, lonafide 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 extant 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, 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 protected from the claims of creditors to the extent of £2000, provided that the premiums art 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. GISBOBNB, | Commissioner. I ACffiNT FOR THE THAMES .— JAMES HOPCEAFf, EVENING STAB OFFICE, GEAfiAMSTOWN. i i