Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 1993, 25 May 1875, Page 4

. , —— __ ,_—. . Fire and Life Insurance STANDARD FIBB AND MAEINE ENSUEANJE-COMPANY Of NEW ZEALAND. THAMES AGENT:— i - Bbwik B»nnr, Onluanßtown. ' -y7"teSJ E W '^-E ALAND j , j --. :.: GOYEBNMENT :' : i I-.', LIFE INiSXJRANCE. I— The Government Lifellnsurance Department ii»ue» all desirable forniß of rolicies. The Payment of every Policy is guaranteed ly the Colony. Participation in Profits is authorised by the Legislature to be giren to Policy-holders. 2- Premium rates are lower than those of Private Companies. 3-No (Policy or Medical Pees charged. 4—All IPolicies '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 is exhausted in payment of premiums. s—Absolute Security from Loss. —Insurers, after having paid three full annual premiums, are guaranteed a cash surrender valu« of not less than 40 per cent, of the paid-up premiums; and. if for a«y reason the premiums are not paid when due, a paidup Policy will be issued, generally equal in amount to the premium! paid, and often! much in excess. 6—Thirty days of grace are allowed on all Renewal Premiums. 7—Liberal conditions as to travelling and residence* B—Policies protected fromßankruptcy. —An Insurance Polioy effected by the Insured, l^nafide on his own life, is protected from bankruptcy or imolvency 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. .■..'■ .. ■■ 1 9—Married women may effect PolH cies, 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 etated 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 le«a than sevan 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 Inaured. 12—Prompt payment of Claims and no discount charged. < „ W. GISBOBHB, Commissioner. AGENT FOR THE,THAMES:JAMES HOPGEAFT, £ T.B.R IK a 8 TAR OJV IC E, Geahamstowk.