[Illustration:  GOING DOWN TO A WATERING PLACE.]

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PROSPECTUS

OF A NEW GRAND NATIONAL AND UNIVERSAL STEAM INSURANCE, RAILROAD ACCIDENT, AND PARTIAL MUTILATION PROVIDENT SOCIETY.

CAPITAL, FIVE HUNDRED MILLIONS,

IN ONE HUNDRED MILLION L5 SHARES—­HALF DEPOSIT,

THE DIRECTORS

To be duly balloted for from amongst the Consulting Surgeons of the various Metropolitan hospitals.

ACTING SECRETARIES,

The County Coroners.

By the constitution of this society, the whole of the profits will be divided among such of the assured as can come to claim them.

The public are particularly requested to bear in mind the double advantage (so great a desideratum to all railroad travellers) of being at one and the same time connected with a “Fire, Life, and Partial Mutilation Assurance Company.”

The following is offered as a brief synopsis of the general intention of the directors.  Deep attention is requested to the various classes:—­

CLASS I.

Relating to Railroads newly opened, consequently rated trebly doubly hazardous.  The rate of insurance will be as follows:—­

PER CENT. 
Engineer, first six months, total life  .......   90
Legs, at per each  ............................   74
Arms, ditto ditto  ............................   60
Ribs, per pair, or dozen, as contracted for ...   55
Dislocations and contusions, per score  .......   50

N.B.—­A reduction of seven-and-a-half per cent., made after the first six months.

First class passengers will be allowed ten per cent. for the stuffing of all carriages, except the one immediately next the engine, which will be charged as above.

STOKERS.

Same as engineers, but a very liberal allowance made to such as the trains have passed over more than once, and a considerable reduction if scalds are not included.

Exceptions.—­All who have five small children, and are only just appointed.

SECOND CLASS PASSENGERS.

In consequence of these travellers being generally more thickly stowed together, the upper half of them have a chance of escape while crushing those underneath, so that a fair reduction, still leaving a living profit to the directors, may be made in their favour.  Thus the terms proposed for effecting their policies will be ten-and-a-half per cent. under the first class.

To meet the views of all parties, insurances may be effected from station to station, or on particular limbs.  The following are the rates, the insurers paying down the premium at starting:—­