Page 4 Advertisements Column 4

Thames Star, Volume VII, Issue 1994, 26 May 1875, Page 4

Fire and Life Insurance ttTAN D A R D FIBE AND MABINB INSURANCE COMPANY OF NEW ZEALAND. THAMES AGENT:— .; | t Edwin Bihkbt, Grahamstown, 77-tc |U B. W ZEALAND ■r: ■: :.:■ ■ ._■;" government -"■ ■ -■- LIFE INSURANCE. I—The Government Life' Insurance Deftartnient i««u«s att desirable forms of Policies.. The Payment of every Policy is guaranteed by the Colony. Participation in Profits is authorised by the Legislature to be given to Policy-holders. 2-Premium rates are lower than those ef Private Companies. 3—No Policy or Medical Peea charged. 4—AH Policies fere 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 surrerider-T»lue of the Policy is ex* haustod 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 any reason the premiums are not paid when due, a paidup Policy lull b* issued, generally equal in amount to the premiums paid, and often much in excess. fir-Thirty days of grace are allowed on, all Benewal Premiums. 7—Liberal conditions «» to travelling and residence. B—Policies protected from Bankruptcy—"An Insurance Policy effooted by the Insured; htnajide on his own life, is protected from bankruptcy or insolvency laws to tk 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 farour of the personal representative of the Insured, - - ■ ■ - ■■■ ■& ■■.-■,■■■-- ■ ....... 9—Married WOmen may effect Policies, dispose of the money by will, as if single; and thrir Policies are protected from' the debts of their husbands, according to duration, to amounts similar to those stated abore. . 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 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 parent of Claims and no discount charged. W. GISBOBNE, Commissioner. : AGENT FOE THE THAME3.— JAMES HOPCEAFT, EVENING STAR OFFICE, Gbahamstown. \ - - ~ .' . '