Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 1978, 7 May 1875, Page 4

Fire and Life Insurance QTTAN D A E D FIEB AND MARINE INSURANCE COMPANY OF NEW ZEALAND. THAMES AGENT :— ESWIR BIHHXY, Grahamstown. ,77-tc VT E W Z E = A LA W D GOVEBNMENT LIFE INSURANCE. I—The Government Life Insurance Department issues all desirable forms of Policies. The Payment of every , Policy is guaranteed by the Colony. Parti* 1 cipation in Profits is authorised by the Legis- ! lature to be given to Policy-holders. 2- Premium rates are lower than those of Prirate Companies.' 3—No Policy or Medical Fees charged. 4—AH Policies Tare npn-fprfeit-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 ex> hausted in payment of premiums* s—Absolute Security from Loss. —Insurers, after having pnid three full annual premiums, are guaranteed a cash Burrender value of not less than 40 per cent, of the paid-up premiums; and if for .any reason the premiums sre not paid when due, a paidup Policy will he issued, generally equal in amount to the premiums paid, and often , much in excels. 6—Thirty days of grace are allowed on all Renewal Premiums. 7—Liberal conditions ai to travelling and residence. - *" B—Policies protected from Bank-ruptcy-—An Insurance Policy effected by the Insurrd, honafide 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; 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 Polii 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 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 are payable during life, or any period not leis 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. Gisbohnb, Commissioner. AGENT FOR THB THAMES.— c JAMES HOPCfiAMV EVEN lIT a. STAR 01? FI OE, Gbahamstctwn.