The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1855-11-27 00:00:00

THE LIVERPOOL STANDARD,

Mnitcb ,tatts.

PHILADELPHIA LINE OF PACKETS
i e,,,
.041 A,
em,14,..- _--
SAILING ON THE
TWELFTH OF EVERY MONTH.

SARANAK JAS. ROWLANDS "1000 tons.. 12th Dec.
WYOMING A. TURLEY llOO tons.. 12th Jan.
TONAWANDA T. Juraus 1300 tons.. 12th Feb.
TUSCARORA R M. DUNLEVY.. 1232 tons.. 12th March.

These Vessels are all of the first class, built expressly for this
line, and combine every quality to render them safe and expedi-
tious conveyances for Goods, and they are furnished with spa-
cious and elegant accommodations for Passengers. These
Packets will take advantage of the Steam tow-boats on the Dela-
ware. To insure punctuality in sailing, no Goods can be received
after the 10th of each Month.—For Freight or Cabin Passage
apply to BROWN, SHIPLEY, and CO.
Freight by these Vessels will be collected at four dollars eighty
cents to the pound sterling.

The JAMES FOSTER, Jun., will load north side Waterloo Dock.
THE OLD LINE OF PACKETS
FOR NEW YORK.
il4, Sailing on the Ist and 16th of eve; y Month.

JAS. FOSTER,Jun J.W.PORTER ....1500 tons.... Ist Dec.
YORKSHIRE C.A. MARSHALL.. 1000 tons.... 16th Dec.
GREAT WESTERN W. G. PURSER.... 1500 tons.... Ist Jan.
MANHATTAN T. DixoN 1350 tons.... 16th Jan.
ISAAC WRIGHT .... E. ABEEL 1200 tons.... Ist Feb.
HARVEST QUEEN •. E. YOUNG . 1500 tons.... 16th Feb.
ISAAC WEBB J. M. BRYER ....1400 tons—. Ist Mar.
COLUMBIA C. HUTCHINSON.. 1100 tons.... 16th Mar.
FIDELIA W. A. MACGILL .. 1000 tons.— Ist April.
NEPTUNE (new ship), E. W. PEABODY..ISOO tons.... 16th April.

These ships are all of the first class, coppered and copper.
fastened, and commanded by men of character and experience.
Cabin Passengers will be provided with ample Stores of every
description, with the exception of Wines and Liquors, which will
he furnished by the Steward, if required.
BARING BROTHERS and CO.
Freight by these packets will be collected at the rate of four
dollars eighty cents to the pound sterling.

NEW Vublicatiorts.

Now ready, price 4c1.,
ASTRONOMY AND GEOLOGY AS TAUGHT
IN THE HOLY SCRIPTURES.

Liverpool: iiii-Ei-iFoo'CL—Ait-D-:5-4:e-astle-street

fflottep.

CHESTER AND HOLYHEAD RAILWAY.
LOANS ON DEBENTURES.
The DIRECTORS of the CHESTER and HOLYHEAD RAIL-
WAY are prepared to receive TENDERS of LOANS on DEBEN-
TURES, to replace an amount falling due.—Applications to be
adcdhreesssteedr,to
Nov.th the
IS4,xclaBsEs.TA.av, at the Company's Offices, Chester.
By order, ROBERT S. MANSEL, Secretary.

LIVERPOOL DOCKS.
LOANS OF MONEY.
THE COMMITTEE of the LIVERPOOL DOCKS
DO HEREBY GIVE NOTICE, that they are willing to
RECEIVE LOANS of MONEY, upon the Security of the Bonds
of the Trustees of the Liverpool Docks, for Terms of Three,
Five, or Seven Years, at the option of the Lenders.
The Interest is payable Half-yearly at the Bankers of the
Trustees, here or in London.

All offers to be addressed to GEO. V. TANTON, Esq., Treasurer,
Dock-office, Liverpool.
By order, DANIEL MASON, Secretary.
Dock-office, Liverpool, June 28, 1855.

LIVERPOOL ADELPHI LOAN
ASSOCIATION.

CAPITA L--e 54,000.

HEAD OFFCE :
44, RENSHAW-STREET, LIVERPOOL.
BRANCH OFF/CS :
ST. JOHN'S-PARADE, BYROM-STREET, MANCHESTER.

LOANS ADVANCED from .€l6 to £l,OOO. Bills discounted.
For Prospectuses, &c., apply to
C. and J. ELLISON, Secretaries,
44, Renshaw-street, Liverpool.

THOS. DISM OR E
-A.-, SILVERSMITH &JEWELLER TO THE QUEEN,

CORNER OF BOkD-STREET, LIVERPOOL.

The best made London Goldsmiths'-hall marked SILVER.
SPOONS and FORKS, of +the usual strength, weigh as follows,
bat they may be had lighter or heavier at the same price per,
ounce:—

PLAIN FIDDIZI PATTERN. QUEEN'S PATTE:DY
OZ. .4 s. d. oz. a. d.
Table Spoons, per doz.- 3O a 7/4..11 0 040 a 7/6..15 0. 0
Table Forks „ 3O a 7/4--.11 0040 a 7/6..15 0 0
Dessert Spoons „ 2O a 7/4,. 7 6 25 a 7/6.. 9 7; 6.
Dessert Forks „ 2O a 7/4.. 7 6 25 a 7/6.. 9 7. 6
Tea Spoons „ lO a 7/10- 318 12 a 8/0.. 4 16. 0
Soup Ladles, each lO a 7/4.. 313 411 a 7/6.. 4 2:_ 6,
Gravy Spoons, „
Sauce Ladles, „ 2l a .7/L0..0 19 7 3 a 8/0.. 1 4,0,
Sugar Tongs, „
Salt Spoons - . 0 5 0 OlO 0.
N.B.—lf for exportation, .18. 6d. per ounce for drawback, is
deducted from the above prices.
An excellent substitute for the aboireis good BLECTRO-PLATE.
It can be made at any price, according to the material used,,and
the thickness of Silver put on. In Spoons and Forks three quail,-
ties are kept, all being in size, shape, and appearance the same as
Silver, namely: -

PLAIN PIDITI.E. PATTERN.

No. 1. No. 2. N0..3..
Table Spoons„ per Dozen.... .3. 10 0.. £2 10 0.. £l, 10 0.
_Table Forks,, If .... . a 10 0.... 2 10 0.... 1,10 0
Dessert Spoons ~ _....2 10 0.... 2 0 0.....1% 0 0
Dessert Forks, ~ ... .2 10 0.... 2 0 0... 1:. 0- o•
Tea Spoons,_
ELECTROPLATE ;
o 4 9. ... 0 3 4
Sauce Ladles,
'' 1 0 0.... 0 17 0 ... 0
Soup Ladles, " -- • -
~ 0 5 0....0 4 0..... 0 3 0
Sugar Tongs,
Tea-sets, iiishes,..;:n..•dolelv2oery3o..A....r..toilele3lrel:ooll.r'ed.oo Ifo4'slr the 63
Gravy Spoons, . eaCli .... 010 0.... 0 8 6....0 9,
Assortment of JEWELLERY, of the best
Table, in either SILVER or
quality.
likewise lal 1 Garge

DO
YOU WANT BEAUTIFUL HAIR,
WHISKERS, EYEBROWS, &c.7—Notwithstanding the
numerous oily, highly-scented, and most injurious imitations
which have been put forth,_

ROSAIR COfJPELLE'S CRINUTRIAR
is guaranteed as the only Reparation to be depended on the for
growth of Hair, Whiskers, B.ze., as also curing,nourishing
g.. , beauti-
fying' and strengthening the hair, and checklog greyness. It is
a moat unique and elegant compound, and has never been known
to fail. Price 25.. per Bottle, through all ChemiststkPerfumers,
or sent free on receipt of 24 stamps, by Rosalie Coupelle, 69, Cas-
tle-street, Newman-street, Oxford-street, London.
Mr. Williams, 8, Lowther-street, Liverpool:- " I can now show
as fine a head of hair as any person, solely from using your
Crinutriar."—Sergeant Craven, Longford. Barracks, Ireland :
"Through using. your, Crinutriar, I have an excellent moustache,
which I had before despaired of."—Mr.. Halley, Cumbernauld :
"It surpasses every thing of the kind.",—Mrs. Carter, Pang-
bourne: " head, which was quite bald, is now covered with
new hair.",--Mr. Lanes Golden Lion, Macclesfield-street, City.
road, Loudon:, "A friend of mine, Mr. Harris, describes its.
effects as Wily astonishing."—Mr. sates, hairdresser, Mahon
"The young man has now a good pair of whiskers. I want two for.
other customers."

IF YOUR HAIR IS- GREY OR RED, -oe
R 0 SA LIE COUPEL LE PURE INSTANTANEOUS.
LIQN ID HAIR DY. E., universally acknowledged. as
the only perfect one and infinitely. superior to the numeronadis-
graceful imitations, which smell horribly, burn the hair, and leave
au unnatural tinge. Price 3s. 6d. per bottle through all Chemists,
kc., or sent free secure from observation for 52 postage stamps.
Mr. Whitaker, 22, Fargate, Sheffield: "Your Hair Dye is highly
spoken of by all who have purchased it of me."—Mr. Pearse,
King-street, Ludlow:. "Your Hair Dye has succeeded admire.
bly, it gives such a natural tinge."—Mr. Pearson, 29. Fishergate,
Nottingham : " Your Hair Dye is excellent."—Mr. Casey& 2.
Glo'ster-green, Oxford : " It gives the greatest satisfaction."—
James Thompson, Esq., Middleton : ' It answers the highest
expectations."—Mr. J. N. Clark, Killinick, Wexford "It is
a most excellent and immediate Dye, far preferable to all others."
Sold by Jones, 5, Paradise-street, and 78, London-road ; Mot-
tram, 24, Waterloo-road, and 6, Argyle-street, Birkenhead ;
Priestley, 52, Lord-street, Liverpool ; Barnes, Fishergate, Pres-
ton ; Marsh, Wallgate, Wigan ; Clarke, Gazelle-office, Lancas-
ter; Westmacott, N 0.4, Market-st., Manchester; and all respec.
table Chemists & Perfumers ; or of Rosalie Conpelle, 69, Castle-
st., Newman st., Oxford-st., London.

{
90, High-street, Oxford, and
' 111, Grafton-street, Dublin.
2, Chapel-street, Liverpool.
OFFICES.
DIRECTORY, .3-c., IN LIVERPOOL
DIRECTORS:
The Rev. Henry Hampton, M.A.
The Rev. Abraham Hume, D.C.L., LL.D.
The Rev. George Winter Warr, M.A.
MEDICAL REFEREE :
John Hey, Esq., 2, Erskine-street.
SURVEYOR:
H. P. Horner, Esq., BA, Basnett-street.
LOCAL SECRETARY AND AGENT :
Francis Homer, Esq., Solicitor, 2, Chapel-
Every description of Assurance and Annuity is entertanl:ostreev
J:!'4'
may be dependent upon the existence of One, TWO, or
Lives. tof st
A diminution of Half-a-year is made on the anlolln-
miums when persons Assure within Six Months of tbeir '
, , tel
Birth-day.
d tb ).ii•
Provision for Old Age and Annuities may be purchase „ As.
other
at some ages considerably lower than those of many
ell
rance Companies. ber LI,
A Special Table has been calculated for this OificeLel tot
Interest at the rate of 4 per cent. per annum is allow tb,
Policy-holders upon all Premiums paid by them until des ed ro
Forms of Proposal and every information may be obta,ino.
application to the Head Office, or any of the Society4,t_t
JOHN EDMUND COX, M.A., F...1i0.V
Chairman of the London
garfi
JAMES GEAVES HOOTON, Sect- ~,

v 0
INDISPTJTABILITY THE ONLY COMAt
-
SECURITY IN LIFE ASSURANCE.

is gio
ower
(Extracted from " The Register.")
t PIICO
What is meant by an indisputable policy? In the fir' 0. to 1,,
is unlike other policies;. the adjective being used to in„waierq,
tthbeinpog tioicyrntaorkwahnidch3itahteingeputisthliestu,c,hlnaapisopluictyabflreo,m, all ''„gee S„0
ties. In the second place, it means much more—it if% ces."o(
be disputed,.except upon grounds beyond the reach and Ceollo
the contracting parties to.control. In other words, the 4
represented as being as indisputable as man can make it,;( snip,
Nothing can be more embarrassing than the situation forte,;,
who, after making payments to an Insurance ComPaTscli
twelve, or twenty years, on the supposition that hYn'se-rtf',"-ri
meats he has purchased for his family the absolute Pfyr.,ao`.s-e
reversionary estate, is then told that at his death las rha
may receive such property, but that there is a great challe'od via
sibility—amounting to a probability, that they may note s colt(
the contingency depends upon circumstances which u`s steS
foresee. Yet such is the position of those who are held totiee4
responsible for the precise and literal accuracy of everYteasal:i.
in numerous documents and schedules which precede t" al!of
of a policy. Take one of these schedules as-an instateie"oeubt
ments, upon the accuracy of each of which the whoslseere„
the policy will ultimately be made to depend :--"t Avero
declare that my age does not exceed years ; that 1 "sot) Per
cow-pox-or small-pox (state which); that I have (or have; ots.i
the gout ; that I have not been afflicted with any fit
convulsions, nor with asthma, insanity, or spittingcof n'L'e alefe;
that I am not afflicted with habitual cough, diseases of tateollof
nor with any other disease or disorder tending to bi1T„.00,..1
and that the foregoing proposal contains a true-stand ,
every matter and thing thereby required to he set forth ; ot
I am now in good health ; and I do declare that I have no
cealedor withheld ally matter or circumstance touchintrosl
or present state of health, habits of life, or condition ,Ircioas.,„
render an insurance on my life more than usually' hal'otade.'l
with which the Directors of this society ought to bien..4,,01
quainteds- and thatrny private referees are well aeries__ o.to rD
and fully competent to give, the requisite informatio,a,o t
habits of life. And Ido declare that this declaration sir
tba
basis of the contract between me and the said 50ciet4'04.4,,,,,P, se
if any true allegation or statement be contained in t,,,,ora;ach
posal, or he this declaratitn., or if any material in's'oeSl „st of
omitted which ought to be-contained therein, all In
f," fisc°cietys
shall have been orshall be paid to the said society', °old s°
such insurance, shall be forfeited to the use of tile ed,
and the policy be absolutely null and void." be
Now, lookingat the wording of this clause, it Insati being tip v
without much exaggeration, that there is no bun's bis con.( ig
earth who, looking on it as the literal condition, event
.° a ia
with a company, can possess a certainty that tas speeibe nes
death will place his family in possession of the 'll9ll ere are. er
,„! t )
the agreement. It is a professional notorietT e before their.oe
merous diseases which may beim active play "a Yet, b 3,
istence is suspected by the patient or a anti
cs oe else coot
contrivance of making the
vrould ,
of numerous statements, the clause above quotedtile invisible 17,
and nullity the policy, if it could be proved that
n the instuThT;
had commenced his ravages at the period wiieetrec,
i the loss:,
was issued. The responsibility of the party
of the contingellel
once is unconditioned .and wholly irrespective
t aterial or immaterial, W
whether the " omission" of any tact,
• isiO
wilful or not.not only dec. I,
the statement must .„
The person who makes
nt—that he has not '
that he makes no wilful mis-statement
ve trot deliberateol a
held any matter or circumstance," andobser
all. Ihe declaration
of design, but that he has not done so at
possibilities beyond t'
quired is absolute as to circuinstanceror
.s. aecis' •
sphere of human knowledge ; and the responsibity of osass hoe
rant is equally absolute, no matter how innocently he m
been led Into error.
an on'
All the authorities are of the same opinion as totbe sole a
..0
divided responsibility of the assured. Thus, Lord Eldon
proposer warn e literal lO4
hear of any distinction as-to whether an-omission has been t
terial or immaterial. "If material," his-Lordship observes, ate s
•
a materiality may be inquired into and shown ;, but if there be,
warranty, it is part of the contract that-the matter is such as
represented to be; therefonenusterialitynr immateriality sigNs,
nothing. The only question is as to the mere fact.," This oplrs,"t..
has been affirmed, to the total-ruin Offamilies,,by numerous
sions of the Courts.
It may perhaps be supposed that however close then
,:vtlisoneed
narrow the meshes which are entwined round. the Plgortianig
life is the subject of assurance—however minute and oj,troctie,
and liable to error are the facts, and yet stringent is c% ine,,e.
of law are the terms of the declaration .he is-called 01. S everY "ie
yet that by great care he may be-able to comply
*IQ of 1?1P
cannot do; for there is something Y ryvirement
iich
before he becomes entitled to-a ..policy—a nd.scrapulous ace,
the greatest amount of care, and prullencesa
the names of midi"
racy is of no avail. The proposer must gtV'e 1. returns ansvre
mend, and escape without a forfettureeot tinhisorpeolern.„
w.
cal attendants and two friends, each of Wilco
is not
received by the company, although the propo
to a long list of questions,. and the facts and
Slerthe SllbjeCtS
acquainted with any one of them, are yet areMne.lf,
or inn
warranty as his own declaration, so that a. wi
jse referees
error in answer to any of the questions put to
theened front
as effectually vitiate the policy as if had Prec-_,„mpleof tiris
assured himself. We can make room for onlyoner7,e feral
provisions just noticed, which. we, select from a 'flraable Wel
similar cases, and from the practice of a highly resPec' udoo, se _
Wilahere v. The Law Life. Wilshere resided near Lo to big
on several occasions had consulted a London phYsiclin as
ee
health, besides having the advice of a country gentle% anal,
came to London to effect an assurance on his-life, and• loot,
to the question, " Who is yours ordinary medical attf,,
hose
gave the name and address of the-London physician, svprie'etor ol
report and that of their own, medical exmoiner, the."‘eashere
the company were satisfied. Some
_years- after that the eel
died, and his executors were defeated in a claim.agains' roan
AO; • ain
statements an„
pally for the sum assured, merely, and, upon no a
1. ph)
because the name of the surgeon, and net that of tse
ought to have been inserted in the proposal. ph
• OH' aas
In consequence of this stateofanatterssthere arose la bich
mind a general feeling of insecurity in Life Assurance, ecoof„
increased by the perusal of numerous cases occurring in ts' st to(
of law and reported in the-newspapers most of then:4o'
instance of assured parties against Life Companies, bat "otherls
them in which Life Companies were arrayed against eaclie 60 f,
The great desideratum was to.make policies indispftlalig
to remove all doubt, and dissipate every apprehension 81 doe'
certainty of the sum asswed..being. paid when. it becidgo'sitle6
whereby the public generally would be benefited, and the
of Life Assurance much extended. .1 tao
" The Indisputable Life Policy Company" undertook tlndea
and in order most effectually to make the policies they issrea
disputable and certain documents of security,, they interopaa
following clause in their Deed of Settlement, thereby e' at"
an effective and legal obligation, imperative upon the Corallofil
fulfil, and which it is the right tweryassured member to
and insist n hal
u s
po:—
01
Clause 84. " That every Policy issued by the. Company j
indefensible and indisputable, and. the fact of issuing tRe
shall be conclusive evidence of the validity of the Policy; "oft:
shall not be lawful for the Company to delay paymens„,
money assured thereby on the ground of arty error, mitt;
omission, however important, made by or on on the part of IP,',scco
00of
son or persons etressins, such Assurance; and that, on t",,lat
trace, the amount so-assured shall be paid at the time sliPl
ay the Policy, as if no such error, mistake, or omission,
made or discovered." • °‘
We have said that -the above-clause forma a part of the De4la
Settlement of the Company,. and that deed being regiate-4-I°'
terms of the Act Isand fiNictscs 110. there is nothing war
give it the fullest effect. It is not merely to be found
spectus or othencircular, which may, or may not be oblige
the Company, according Ass circumstances, but it forms
ponent part of the existense of the-corporate body. A Int
wise of indisputability is not,enough... Such a clause as this
is required to give legal efficacy.. it appears to have bee'
fully and anxiously prepared,. for the purpose of cute
every ground and pretext of dispute as to the validit!
Policy; andare confess: that we cannot find any words
of sentences. more operatives effactive, or compulsory.
..daoyznl. bEyve:
purpose. In- order. the more effectually to show t
would invite one enders to compare this clause wi
Ipauwtabaise clakiusid
P
already qaoted from, that learned authority. Tie
Sergeant
isssluaerd"baylithienCo then
i P.
be indefeasible and indisputable and the fact of issuing '-
shall be conclusive evidenceof the validity of the voicY•
Sergeant Marshall,,speakiag of the clause ordinarill
polices, says, `Lit is quite immaterial for what porPns`'
what view it Di warrant' made ; but being ens, inflate(
policy, it becomes a binding condition on the assured, ant
he can show that it has been complied with, he can dt
benefit from the policy." In other words, an indisputabll
when once issued, declares that, de facto, all precedent a
are held to have been finally settled, whereas.an ordinal
declares oil the face ofs it that the Directors retain the '
keep all these questions open to dispute, until they have
paid the amount of the policy to the executors. Again, ths s,
imitable clause says, " shall not be lawful for the CernOtriet:
delay payment of the money assured, on the ground of any A
mistake, or omission, however important, made by or an the ge°
of the persan or persons effecting such insurance." labs Ser of;
Marshall, on the other hand, says, " The very meaning of s„01.14
rarity, is to preclude all question whether it has been substa."terl:
complied with or not. Whether the thing warranted was 10eoc,"
or not,whether the breach of it'proceeded from fraud, negneoir;
psis-information, or any other cause, the consequence is theutsbli'l
—i.e, the policy is void." - In the next place, the indisP,
clause says that, "on the Contrary, the amount ao assurtetrof,
be paid at the time stipulated by the policy, as if no Utile.
mistake, or omission, had been made or discovered." lair
geant Marshall says, "The warranty makes the contract {led
c 0 "'place
thetical ; that is, it shall be binding if the warranty it "'
with. The only question is, has the thing warranted taken,,,reer
or not? If not, the assurer is not answerable for any long
though it did not happen in conseguence,of the breach of tit of
ramify." Can anything be more conclusive than this iii Potable.s
the superiority of the Indisputable Policy? The IndisPleata";
Policy settles all precedent questions—an ordinary Oolile 001,
them all unsettled. An Indisputable Policy declares, by hiomit,i:
fact of its issue, that all questions relating to the health,...oe,.
age, &c., of the assured are, as far as the Company is cani,olol'
set at rest for ever—an ordinary policy leaves these_A
open to dispute, until the claim has actually been discharrLset,
London Indisputable Life Policy Company, 72, Lombard-SP-
-Manager, ALEXANDER ROBERTSON.

NEW WINTER DRESSES.
FRENCIUMERINOES.—A large Stoo':.
Imported direct, commencing with a Sterling
Article in every colour, at 2s. 10id. per yard.
LINSEYS.—This Fashionable Article, in all Colours; the
best quality, Md. per yard.
FLOUNCED ROBES.—AII the New Styles, from 14s. 9d'
to 31s. 6d. each.
FANCY DRESSES.—Every New aral Useful Stylei,in-
duffing Two very Cheap Lots, at 12s. 9d. and 15s. 9a.

HARRISON BROTHERS,
60 and 62, CHURCH-STREET, corner of Hanover-street.

LIVERPOOL

Printed and Published ;;;;TIIIISDAY MORNING, DY
thie,
Proprietor, ROBERT PEARSON THACKER, of Ntli,so
Percy-street, at the STANDARD GENERAL PRINT
OFFICE, No. 4, ST. GEORGE'S CRESCENT, LiVer9°°
Tuesday, November 27, 1855.

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[NOVEMBER 27, 185 b•
Insuranct lgotirts.
THE DISTRICT FIRE INSURA
COMPANY.
Eatablished 1834.-61, NETV STREET, BrnmlNGHAlfif,
BRANCH OFFICE—WALNIER-BUILDINGS, WATER-STg"
S. W. ANTHONY, AGENT. 20.]
THE ENGLISH AND IRISH
CHURCH AND UNIVERSITY ASSUR--
SOCIETY.
THE j
T.r.af.algar-square, Charing-cross, a' Arti,,
thp

, i:000 :44:11‘!,,,,.:ir:0n:.
t;"0° ' ig4t,ttithenrh°
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Is 3 '''fore to„,
nee.:4ffige , Nlije uod)
the x";fr lt, nee at
etobii:lesoftbeit,
ttingi.to
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