Page 4 Advertisements Column 5

Thames Star, Volume VII, Issue 2002, 4 June 1875, Page 4

Fire and Life Insurance OTANDARD FIBE AND MABINE ENSUKANCE COMPANY OF N£TW I ZEALAND. THAMES AGENT:— Edwiw BrjoniT, Grahatngtown. 77-tfl vr e;*.w Zealand' GOVEENMENT LIFE INSUBANCE. I—The Government Life" Insurance Department issues all desirable forms of tolicies. The Payment of every Policy is guaranteed by ths 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 Policy or Medical Fees charged. : : 4—All Policies are non-forfeit-able after one full annual payment to the full extent of their Talue, 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 of not less than.4o p«r cent, of the paid-up premiums; and if for any reason the premiums ere not paid when duo, a paidup Policy will be issued, generally equal in amount to the [premiums paid, and often much in excess. 6—Thirty days of grace w« allowed on all Renewal Premiums. -. ■ > . 7—Liberal conditions »• to travelling and residence. B—Policies protected from Bankruptcy.—An Insurance Policy effected by the Insured, lenafide on his own life, is protected from bankruptcy or insolvency laws to a certain amount, which increases with its duration. Thus, after it ha» 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-Poli-cies, dwpoee of the money by will, aa 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 fur 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 Ig»s 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. I ' W. GISBOBNE, Commissioner. AGENT FOE THE THAMES :— JAMES HOPCEAFT, BTKININa STAB OFFICE, GBi.HAMSTOW.ff.