The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1855-12-18 00:00:00

FILLINa • DECAYED TEETH.

Messrs,. G. feel they ---eoi;WotYoTstronicy;ecorrirnend this,
operation, as the advantages derived from it when skilfully per-
formed with a suitable-composition are invaluable. It•uirrests•
the progress of decay, prevents tooth-ache, and renders.the teeth,
serviceable for mastication.
SCALLNG THE TEETH.

The object of this operation, which is not attended with pain,.
is to remove the tartar deposited on the teeth, which, itallowed
to remain, continues to-accumulate, causing the gums to recede
the teeth then become loose, and eventually fall out.
Children's Teeth examined and carefully regulated..
TE1043,3'041 AIITIFICIAL 3114E11-1,1
A SINGLE TOOTH from 3s.- 6d,
A FULL SET ..
DECAYED •TEETH stopped, 2s. 6d.; w' ith gold, Is. Scaling,
Extracting, and Mist tis Remodelled.
Daily attendance from Ten to Seven.. No charge for Consulta-
tion.

Just published, a small Pamphlet, and may be had gratis,, or
will be sent post-pai* on receipt of one stamp, Messrs, GABRIEL
on the LOSS OF TEETH.
LIVERPOOL ESTAD.L/SH M ENT-10% DUKE-STREET.
LONDON ESTAMLISLIDI ENT-79, FENCHURCH-STREET.

PAINLE S. TOOTIL EXTRACTION,
(WITHOTJT CHLOROFORM.)
BY RO,YAL LETTERS PATENT.
Mr. ESKELL is the only DENTIST pririleged to use the Pateist
in LIVERPOOL.
scAunGeEwitayndhealse
_
tleue!t' IMPROVEMENT connected vri.th,DENTAL

MR. .ICELL, SURGEON DENTIST,
(CCRNEK,OS. UPPER DrKg..-83,11
illoAtr Li: hae ch(l TEETH,nips
frbNoe;in7P:oau'fri beautifullyEnamelled °re linatTrEeolryth-sn eEtawronilTat4l 1 3)
Complete
Efli Tti description
e ossatf
Set,
exquisitel-
- of the finest Materials, wlich are afterwards Enaiaelled
to resemble the Natural Teeth,,in every Shade and Colour. They
are incorrodible, (will never zhange colour or lecay,) and when
adapted to the mouth are .not discernible from the Natural
Teeth. Th,.-y. are constructed upon Metals cf. unexceptioaable
purity, and for comfort in, wearing and general appearance
cannot be excelled.
Mr. ESKELL supplies AXTIINCIAL TEtT upon his new sys-
tem of SELF-ADHESION, without extracting any Teeth or
Stumps. Mr. Esitt.t.. has Specimens in every variety, and will
be happy: to show them, to those interested in the subject,
when their pre-ernineace will be at once. apparent, and this
statement; of their superiority over all others will be found to be
entirely, and scrupulously correct ; so much, so that Mr. ESK ELL
will give THREE MOXTHS' TRIAL Will-MUT PAYMENT, a
sufficient guarantee of their COMFORT, EASE, BEAUTY, and
DURABILITY, at charges strictly moderate,. and within the
reach of the most economical.
Incorrodible.. ARTIFICIAL TEETH, as. above, from TEN
SHILLINGS EACEI TOOTH.
FILLING DECAYED. TEETH
With EsitaLes. celebrated WHITE TERRA PASTE, which
never changes colour, and is free from those injurious proper..
ties found in ordinary Stoppings. H. is applied in a soft state,
like paste, to the cavity of the Tooth, without giving the slightest,
pain, and in a few minutes it becomes as hard as the Enamel
of the Tooth itself.
A rum MODE OF EXTRACTING TEETH,
BY A PATENT F,ULCRUM•
RY which means the Gums cannot be ; operated, the denser of
breaking the Tooth prevented, and hremorrhage considerably
lessened; and the Tooth being extracted perpendicularly and
almost PAINLESS, renders Chloroform unnecessary.
" We can confidently direct attention to it as a boon to the
profession and the public."—Lancet.
" It allows of the extraction of teeth in the most sciantilic and
easy roanner.”—Medical Times.
There is generally so much difficulty experienced in the intro-
duction of any novelty, however valuable, especially in Medicine
or Surgery, and that difficulty is so much enhanced if the inven
tion militates against preconceived ideas, and old-established and
cherished modes of practice, that it is ought desirable to pub-
lish some of the Testimonials received in favour of the Patent
Apparatus from some of the many persons who have experienced
its benefits.
The following are some of the most eminent medical men to
whom the Chair and Fulcrum have been shown, which has met
with their entire approbation; some of them have also been
patients, and to them the reader can be more particularly re-
ferred:—
Sir B. Brodie, J. Avery, Esq.,
Dr. B. Cooper, S. Lane, Esq., Hyde-park.
Dr. Watson, corner,
Dr. Rigby, Dr. Taylor Smith,
Dr. Holland, T. Wakley, Esq., M.P.,
Dr. Parr, T. Wakley, Esq., jun.
Caesar Hawkins, Esq., The Editor of the 'Medical
E. Stanley, Esq., Times,
E. Cock, Esq., J. Freeman, Esq., Spring-
H. J. Johnson, Esq., gardens,
Athol Johnson, Esq., Evans Raidore, M.D.
T. Tatum, Esq.,
The Patent Invention has also been exhibited at meetings of
the Council of
The Royal College of Surgeons,
The Royal Medical and Chirurgical Society,
The Royal Medico-Botanical Society,
The Westminster Medical Society,
The Society of Arts, &c.
Mr. ESKELL'S method combines all the modern Improvements
at Paris and Berlin.
Badly-applied Artificial Teeth remodelled. Children's Teeth
Regulated, &c.
Consultation Free, and CHARGES STRICTLY IKO DEKA: E.
Attendance DAILY, at 75. RODNEY-STREET,
(CORNER OF UPPER DUKE-STREET;, LIVERPOOL.

TO EMPLOYERS

- - ----
WNICHOL begs to direct attention to his
• AGENCY, as affording superior facilities for securing
the services of suitable assistants,, while is relieves employers
from the painful task of dealing-:with,numbers of incompetent
applicants.
W. Nrchtot.can always introduce, persons of unimpeachable
character and tried efficiency.
TO MERCHANTS, BR@KZUS,•I.'AND' °TitiElls"
Cashiers,.
Clerks,.
Correspondents in various Salesmen,
Travellers,
Languages,
Bookkeepers, Sui-,•erintendiltS,
Accountants, Managers,
Collectors, Agents,
And. skilled Assistants in the various practical arts.
TO SFOPOWNJALS,
Misters; Mates•• Surgeons; Pursers; Stewards,
TO P.RINCIPALS 'OF SCHWAS, AND FAMILIES.
Teachers,wJtether for fixech appointments or occasional tuitian.
Governesses, whether resident or visiting.
TO PRIT,ATE FAMILIES.
Companions, Housekeepers, Nslirsery Governesses.
TO NOBLEKEN, AND GENTLEMEN.
Land Steward's,. &c.

No CLargg to Bmployers.

GENERAL MERCANTILE, PROFESSIONAL, PARENT,
AND INSURANCE AGENCY,
17 CASTLE-STREET, LIVERPOOL.

1,31/ RYALLS! PIANOFORTE AND MUSIC
Tly, • REPOSITORY,
28, HAMILTON STREET,
(NEAtIA. WOODSIDE PERRY,)
BI,ItKENHEAD. •
NOTICE.—W. R..has made arrangements for opening a New
and Select MUSIC LIBRARY, on the London principle, which
will contain the-Classical and Standard Works of tha-great, Com-
posers, modern. Operas, Songs,,Quadrillea, Waltzes,, Polkas, &c.;
all New Music added on publication.
THEMA, PAYABLE IN ADVANCE :7...
Subscription, for One Year .,41 1 0
99 Half Year .. 0 12 6
Quarter . 0 7 6
99 - Month. 0 5
Week 0 2 6
Per Night, vacious Prices; according to value of Music.
Subscribers in town can have One Volume or. Two Pieces at a
time. Subscribers in the Country, within twelve miles of town,
can have Two Volumes and Two New Pieces, or One Volume and
Four New Pieces. The Music must be taken away and returned
at the expense of the Subscriber. All Volumes or Pieces lost or
destroyed must be paid for at the ordinary, price.
if a, Subscri'ier desires to have a Volume•which happens to be
in the possession of another, a Notice will be sent to the party
who has the Volume, and it is expected the work will be returned
within a few days.
In addition to the foregoing, W. RYALLS has added another
Class of Annual Subscription. All Subscribers paying Two
Guineas per Annum will be supplied with Music from the
Library, and will be further entitled, at the end of the year, to
select and retain Music to the full amount of their Subscription.
Parcels from London Twice a Week.

BROMLEY'S PATENT EMPIRE SOAP,
which heretofore has been difficult to be obtained, as very
few of the grocers will keep it. To use their own words, by way
of explanation, they state,—" Were we to buy it, it would reduce
our sales fully one third, as two pounds of the Empire Soap will
go as far as three pounds of any other soap ; we should also lose
our profit on soda and washing powders, as neither of these
articles are required when the Empire Soap is used, in either the
hardest water or in sea water." What the grocers are displeased
at in this soap is its strongest recommendation to the notice of
the large consumers, private farnilies' hotel keepers, laundresses,
&c. It only requires to be used with a light hand. And besides
the above advantage it saves half the usual labour, consequently
less friction and wear in the clothes, and will not injure the
colours in the most delicate prints ; and is equally valuable for
every other domestic purpose, even for toilet use, as it is a pure
soap, free from rosin and other useless ingredients, which not
only add unnecessary weight to the soap but detract from its
cleansing properties.
To be had wholesale at the Works, No. 22, Cherry-lane, and
from the following dealers :—Mr. Edward Davies, chandler, No.
84, London-road ; Messrs. Tasker and Price, 209, London-
road ; Mr. John Dixon, grocer, No. 48, Pembroke-place; Mr.
William Davies, grocer, ss, Mill-street; Mr. David Drew, ship-
store merchant, 40, Waterloo-road ; Messrs. Scott and Taylor,
ship-store merchants, 28, Mason-street ; Messrs. Buttner and
Schonstadt, ship-store merchants, 11, Hurst-street; Mr. W. H.
Maitland, ship-store merchant, 45, Regent-street.
One Trial will prove the superiority of this soap.
W. °KILL & CO.

[DECEMBER 18, 18a0•

• Ensurana Wtitts.

AGE ASSURANCE COMPA 1:'
CHANCERY LANE, LONDON.

CHAIRMAN.—The Rev. George Roberts.
DEPUTY-CHAIRMAN.—OOI. Faris, R. E.

The first declaration of Profits will be made immediately after
the the 31st of December next, in which all persons assured before
that date will participate.
THE AGE—never disputed a claim and are by their Deed of
Settlement prohibited from doing so.
Pribate, Administratjoii and Legacy Duties are saved hI the
peculiar plan adopted by this Office.
Fractional parts of a year are allowed in calculating age.
Branch Offices are established in LIVERFOOL,—BIRMINOO/
—BRADFORD, SHEFFIELD, MANCHESTER,—NEWCASTLE.
UPON-TYNE,—SUNDERLAND,—ABERDEEN,—DUNDEgi—
BM/
5E1.9. EDWARD ROBINSON,

LOCAL MANAGER FOR LIVERPOOL:
It. R. HUTCHINSON, Esq., 9, Eden Chambers,
South John-street.

INDISPUTABILITY THE ONLY COMPLETE
SECURITY IN LIFE ASSURANCE.
(Extracted from" The Register.") it
What is meant by an indisputable policy? In the first place,,
is unlike other policies; the adjective being used to imply
thing to mark and distinguish such a policy from all other vaat
cies. In the second place, it means much more—it implies
the policy to which the epithet " Indisputable" is given can
of
be disputed, except upon grounds beyond the reach and icypon is
the contracting parties to control. in other words, the Po
represented as being as indisputable as man can make it. aa
Nothing can be more embarrassing than the situation of
who, after making payments to an Insurance Company
twelve, or twenty years, on the supposition that by such
meats he has purchased for his family the absolute property tvate
reversionary estate, is then told that at his death his suit?
nay
may receive such property, but that there is a great chanee-15st
sibility—amounting to a probability, that they may not; and
the contingency depends upon circumstances which lie c Leff
foresee. Yet such is the position of those who are held as 'teat
responsible for the precise and literal accuracy of eveeystaLeat'im
in numerous documents and schedules which precede the I,lver
of a policy. Take one of these schedules as an inatanee log(
ments, upon the accuracy of each of which the whole' ta
-A
aerebl
the policy will ultimately be made to depend :
aido bad
declare that my age does not exceed years; that 1 P. 1.,% bid
cow-pox or small-pox (state which); that I have (or have I?Ofi' of
the gout; that I have not been afflicted with any fit Ofaosed
convulsions, nor with asthma, insanity, or spitting of Wolof.,
that lam not afflicted with habitual cough, diseases of the ow
nor with any other disease or disorder tending to shofto6o;
and that the foregoing proposal contains a true staten'ad tbs'
every matter and thing thereby required to be set forth; not coo:
lam now in good health; and Ido declare that I have Oa'
cealed or withheld any matter or circumstance touchinf a pal'
or present state of health, habits of life, or condition wawiss, •
or
render an insurance on my life more than usually
with which the Directors of this society ought to he I°_a° with,
tea
quainted; and that my private referees are well acqualo- to Or
and fully competent to give, the requisite information as,he tbe
hazardade
habits of life. And Ido declare that this declaration stun "d tast
basis of the contract between me and the said society; Id pre-
if any true allegation or statement be contained in the said •
Übe
posal, or in this declaration, or if any material infOrlll3"abieli,
omitted which ought to be contained therein, all moneys pt 01
shall have been or shall be paid to the said society, on acc"
such insurance, shall be forfeited to the use of the said
and the policy be absolutely null and void." roped'
Now, looking at the wording of this•clause,it may he! open
Without much exaggeration, that there is no human helPentrgb
' earth who, looking on it as the literal condition of his eonbu
with a company, can possess a certainty that the event,fa
• death will place his family in possession of the sum specs eta
the agreement. It is a professional noh'riety that there alrias.
merous diseases which may be in active play long before the the
sae
istence is suspected by the patient or any one eisp.• lietalo4,
contrivance of making the proposer warrant the literal sa'
of natnerous statements, the clause above quoted trolli,cl:b/is fee
and nullify the policy, if it could be proved that the inv°"..dieei
had commenced his ravages at the period when the-last! sera
was issued. The responsibility of the party effecting Wager!,
ance is unconditionsa and wholly irrespective of the cootll7ol°
whether the " omission" of any fact, material or in-meter-fa
wilful or not.
t c.A.,
The person who makes the statement must sot Mar „di aura
that he makes no wilful mis-statement —that he haanot „icor.
held any matteror circumstance," and observe, not delibert`o'sr_,
of design, heat that helms not done so at all. The declatan tbr,
quired is absolute as to circumstances or possibilities beaarniciecl_ar,
sphere of human knowledge and the responsibily 010,„1011*
rant is equally absolute,. no matter how innocently he roar
been led into ertor.
All theauthorittes are•of thesame opinion as to the so
_o
divided responsiailityof the assured. Thus, Lord Eldot,,P; tat
hear of any distinction as to whether an omission has l;:; atilt
terial or immaterial. • " If" materialaf lara Lordship obserVel'e
a materiality may he inquired atto anti shown ; but if taitat.
warranty, it is part of the contract that tile matter is Sl„C.,siggir,
represented to be; therefore mat eriality or immaterial"? opin_,,,w•• •
nothing. The only question is as to the mere fact" This ▪ Lode,
has been affirmed, to the total ruiti•of families, by nunle'" ~d•
sions of the Courts. net ad
It may perhaps be stuipersed Slat however close tbe ,„
narrow the meshes which are entwined ratand thew ";00ftr,,
life is the subject of asaartince—however initiate and "sat eta':
and liable to error are thelacts, antlyet string tin ctill°a°
of law are the terms of the dsclaration.he is- cattiest upon to a 2 O' de-
yet that by great care lie may be ablerto comply with aath-
st be
mend, and escape withoutaaaterferturrof his- poticy 002
cannot do; for there is something
ryet core dem.andeaaaoaica
before he becomes entitled to
the greatest amount of care, atiad.P.°
racy is of no avail. The proposer "we'
1:131.--a regalement IT.
saw
.antlatrrapuloaPoieda
must give the names to
answer
cal attendants and two friends- each of whom wants an'"
to a. long list of questions,aand the heats and "sa,ett!ealsacre
received, by the company, although the proposer is not of
acquainted with any one of them, are yet as-much tie subjects .
warranty as his own declaration, so that a. wilful. or innocelle
error in, answer to any of the questions-pubto these referees Will
as effctually vitiate the policy, as if, had preceded. from the
assured•hiniaelf. We can maka-room for onlyame example of the
provisions just noticed, which we select from a laege•family Of
similar cases, anal horn the practiaeof nhighly respectable officer
,Wilshere ta. Ilse Law Life. Washere residednear London, and
on several oceasiona had consulted a London, physician as to his
health, besides bayingthe advicasof a canary gentleman. est
came to London to effect an asswaineeon his-life, andaia snow.%
to the question "Who is your ordinary medical stir .;110‘,,,
gave the name a'ral address of the-London physiciaaae,,,r of
report and that of their Own IllediCel•exinniuer
the company were satisfied. Some. years- zqe!....ati at the cotn-
died. antab prp,-,« Ear sv prp riafontsui i" .'
oho Groan.
party for the SUM asaured, merely, and' uP",i, the
because the name of the surgeon, and not that
ought to have been, inserted in the proposal.
sein thepablic
In consequence of this state of matters, there aro
oei abiGh vsas
mind a general feeling of insecurity in Life Assuan!) a
increased by. the -perusal of nurnerouscasesoccafT4y,
of • law and. reported in the newspapers, most
but raanY 01
instance of assurcd parties against Life ContPalaesa
__„h.osaer.
them in which Life Companies were arrayed against each tihngie tenets
table, to as
Thagreat desideratum was to make policies indispn n _ ~, the
to remove all doubt,. and dissipate every.apprehensio due;
(certainty of the sum assured being pant when it beollll!_raess
whereby. the public generally would be benefited, and•them."'"
ofLifer Assurance much extended.
The Indisputable Life Policy Company" tintlertook.Lhieeritslio_ks
andin order, most effectually to make thaapoliciesrtheY ba,ed tae
disputable and certain documents of security, they. illseal....rais
following elanse in their Deed imperative Sonent, thereby a
d
an effective and legal obligation, upon,the ComPaatarl
fulfil., and which it is the right of every.assured member Mass
anffinsistupon
Aril be
Clause fah. " That reery Policy issue...l,sy the (lompatigL, 00e
indefensible and indisputable, and ilia-fact. o f issuing, t"
shall be conclueive evidence of the validity of the PolieV, oa the
shall not be lawful for the eompany fa' • delay parse's, ;44 or
money assured thereby on the ground, ("fano error,”l9Z.jprf.
omission, however important, made by or on the•part. oft • opt
son or persona efflec:ing such Assuranse :and. that, Os; r,0410
teary, the,amount so• assured shall be paid at the lime sit Übsso
by:the Policy, as. if no such error, mistake, or oinissioM•a
ma de, or discovered." of

i
Peed
We have said that the above clause farms apart e 1 the eel n
Settlement of. the Cbmpany, and thati deed being regi'tting t°
terms of the-Ant 'r and S Vict. c. 110. there is nothing-We!' I, pre'
givalt the fullest effect. It is not merely to be found olory on
it spectn-or other circular, which may on-may not be-ohlig°l. cotir
the Company,. according to circumstances,. but it fontna
e Pto
ponent part of the existence of the corporate body. A Ine'efi
miseof indisputability is not enough- Such exhume as `sites
ore;
is required to give legal efficacy. It appears to. have bee°, on
fully. and. anxiously prepared, for tile- purpose- of cuttinv,
every ground and pretext of dispuM- as to the validity °lerie
Rcrlicy;.anclese- confess that we cannot find. ny words. or s
of sentences• more operative, effective, or. compulsory lo' Rt
purpose.. In. order the more effectually. to show VI 11`
would, invite our readers to com Gare this. clause w"stes
law as laid down by Sergeant Marshall in. the- I~s.dir
already. quoted from that learned. authority_ The 'or.'
putable clause says— Every policy :issued. by theConspa opiS
be indefeasible and indisputable, and•the fact of Cloning tat, $l.
shall be conclusive evidence of the validity of the policy. „till
Sergeant Marshall, speaking of the clause ordinarily Itt
Policies, says,,".lt is quite immatetlial for what purpose or;,, the what view it La warrant] is made ; but tbeing. ones. inserted 1-.,ies9
policy,,it becomes a binding condition, on the assured, and 0" no
he calf show that it has been complied with, he can deriv;rit
benefit from. the policy." In other words, anindisputable Pot'ps
when once-issued, declares that, crefacto, ail precedent tlttes`ilicl
are held, to have been finally settled, whereas an ordinary Po, to
,declares ota the face of it that the Directors retain the poise' ,p 7
keep all these questions open to dispute, until they have soul.;,
paid theautount of the policy to the executors.. Again, the ino'w
.putable clause says, " It shall not,,,be for the C°lnranYrof.
delay payment of the money assured, on the ground of any
eer
mistakes or omission, however important, made by. or on jehrieiasoli
of the person or persons effecting.such insurance." 31 • • swor
meaning Of
.._,1,1
Marshall, on the other hand, says, "The very
ranty is to preclude all question.whether it has been substaang;io
complied with or not. Whether. the thing warranted was lona'
or not,whether the breach of k. proceeded from fraud, net, woe •
mis-information, or any other cause, the consequence is„Lnutsble
—i.e, the policy is void." las, the next place, the in" :-„Td shall
clause says that, "on the contrary, the amount so ass°',:b eeron•
be paid at the time stipulated. by the policy, as if nolio`iir,, Set_
mistake, or omission, had been made or discovered., byP°'
gent Marshall says, "The warranty makes the contract
thetical ; that is, it shall be-binding if the warranty is c°"lrjoct
wills. The only question ie, has the thing warranted takell
or not? If not, the assureiis.not answerable for any loss, c!„,..
though it did not happen iu.conseaustace of the breach of tke lof
ratity." Can anything be more conclusive than this in Pr°,l-701(
the superiority of the Indisputable Policy ? The IndisPo',.o§
Policy settles all precedent question, , ordinary policy, le;04
them all unsettled. An,lndisputa 1. declares, by ths.e„Dits,
fact of its issue, that all quest'. • "" • to the health, uo,6if
age, &c., of the assuredare, as far a ompany
set at rest for ever—an ordinary po rey leaves . these
is cseCer„ints
open to dispute, uutil,the claim has ectually been discluirgeuleet.
London Indisputable Life Policy Company, 72, Lomharti-sl'
—Manager, ALEXA,NDEjt RORERTSON.

PAL.I!.UIt AND CO.'S

TEA AND COFFEE WAREktO,I/06'

UNION-COURT, CASTLE-STREET,