Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 1992, 24 May 1875, Page 4

Fire and Life Insurance STANDARD FIRE AND MAEINE INSURANCE COMPANY OF NEW ZEALAND. THAMES AGENT :— Ssmv Buwmr, Grahamstown. .77-tc , E W Z E A L AN D GOVEBNMENT LIFE INSURANCE. I—The Government Life' Insurance Department issuer all desirable forms of Policies. TJie Payment of every Policy is guaranteed by the Colony. Parti* cipation in Profits is authorised by the Legislature to be givtra to Policy-holders. ♦ 2-Premium rates are lower th«n those of Private Companies. 3—No Policy or Medical Fees charged. 4—All jPolicies are non-forfeit-able after one full annual payment to the full extent of their value, under a special regulationproviding for the continuance in force of eyery Policy i-fd'r the original amount, until the surrender-value of the Policy is exhausted in payment of premiums. .. s—Absolute Security from Loss. —Insurers, after haying 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 any reason the premiums are not paid when due, a paidup Policy frill be issued, generally equal in amount to the premiums paid, and often much in excess. 6—Thirty days of grace we allowed on all Renewal Premiums. 7—Liberal conditions as to travelling and residence. B—Policies protected from Bankruptcy. —An Insurance: Policy effected by the Inturtd, l»najide on his own life, ia 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 fire 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 Wbmen may effect Policies, diipoie of the money by will, as if single; and their Policies are protected from the debts of their hurbands, 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 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 wiih —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 i the representatives of the Insured. 12—Prompt payment of Claims and no discount charged. . W. GISBOBNE, . Commissioner. AGENT FOR THB THAMES:— JAMES HOPCBAFT, ETESIK9 STAB OFITIOEi GEAHAMSTOWff.