Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 1995, 27 May 1875, Page 4

Fire and Life Insurance OTANDABD FIBE AND MAEINE INSUKANCE COAfPANY OF NEW ZEALAND. THAMES AGENT :— Bdwik Bxxkbt, Grahamstown. 77-to ■ JU- E W ZEALAND GOVEBNMENT LIFE INSUEANCE. I—The Government Life Insurance Department issues all 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 of Private Companies. 3—No Polioy or Medical Fees charged. 4—AH 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 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 value cf not less than 40 per cent, of the paid-up premiums ; and if for any reason the premium* are not paid when due, a paidup Policy frill be issued, generally equal in\ amrnnfifelfcjtlie premium* paid, and often much fartxeeitr- -" ' " 6—Thirty day* of grace are allowed ob all Benewal Prtmivms. 7—Liberal conditions ** to travelling and residence. B—Policies protected from Bankruptcy*—"An Insurance Policy effected by the Insured, btnafide 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.'£6oo; after seven years, to £1000; after ten years, to £2000. This protection applies only in favour of the personal re presentatire 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 benefic 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 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* AGENT FOB THE THAME3.— JAMES HOPCKAFT, > KYEKINa BTAR OFFICE Gbahahstown.