The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1856-02-12 00:00:00

Contract

LIVERPOOL. DOCKS.
TENDERS FOR STATIONERY AND PRINTING.

r HE COMMITTEE of the LIVERPOOL DOCKS
do hereby. give NOTICE, that they are ready to receive
TENDERS for the supply of STATIONERY and' PRINTING
which may he required for the different Departments-of the Dock
Estate. The Contract to be for One, Two, or Three-Years, from
the Ist of March next, at the option of the Committee.:
The Tenders for Stationery and Printing must, be made
separately.
Patterns of the-various Books and Forms, and saziples of the
qualities of the Pz,,,per, &c., in use, niay be seen at the Offices of
the respective departments.
Printed Forms of Tender, containing a List of the- Articles,
together NNith an estimate of the probable number ea Inantity
annually required, may be obtained at the Office of the Secretary
on and after Mutt:SM.? nest, the 14th Feb. instant.
Sealed Tenders, addressed to the " Chairman of the Dock Com-
mittee," and endorsed," Tender for Printing," or "Stationery,"
must be sent to the Office- of the Secretary not later Maxi WED-
NESDAY, the 27th Feb. instant.--By order of the Dock- Com-
mittee, DANIEL MASON, Secretary.
Dock-office, Revenr.e2l-luildings, Feb. 7, 1836.

Vtt.blic Notices.

THE LIVERPOOL UNITED GAS-LIGHT COMPANY.

NOTICE IS HEItERY GIVEN, that the HALF-
YEARLY ORDINARY MEETING of the SHARE-
HOLDERS of the LIVERPOOL UNITED GAS-LIGHT COM-
PANY will be held at the Office of the Company, in Newington-
street, Liverpool, on T111i613/1,1;, the 19th day of February next, at
Twelve o'clock at Noon, -

And NOTICE is also hereby given, that a resolution will be
submitted at the said mectingto convert or consolidate the .4,25 A
Shares in the capital of the Company into a General Capital Stock,
to be divided among the-holder& of such Shares according to
their respective interests therein, pursuant to the Coinpany't• Act
of Parliament.
The Books for the Transfer of Stock and Shares will be-dosed
from the 6th day of Fehrttary.next to the said 19th day of FebTway,
both inclusive.—By order.

THOMAS CARSON, } ecretaries.
.
JOHN IS. LLOYD, -
Offices, Newington-street, Liverpool, 26th Jauuary, 1856.

,fflunep.

LIVERPOOL DOCKS.
LOANS OF MONEY.

THE COMMITTEE of the LIVERPOOL DOCKS
DO HEREBY GIVE NOTICE, that they are willing to
RECEIVE LOANS of AIONEY.,.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
Thrstees, here or in London,.

MI offers to be addressed to GEO. V. TANTON, Esq., Treasurer,
Dock-office, Liverpool.
By order, DPINIEL MASON, Secretary.
DC.ck-office, Liverpool,..Line 28, 1855.

CIRATIS ! GRATIS !!. GRATIS ! !!—Seventy-
%4 fourth thousand. Library Edition. Sent free on receipt
of-6.stainps to prepay postage, &c., and through all Booksellers,
price 6d., a POPULAR GUIDE P 1) HEALTH, addressed to the
Young, the Old, the Grave, the Gay. By a PHYSICIAN,
" Admirably adapted to -enlighten the public mind in e species
off knowledge in which every, individual is concerned.'.':—Co.
Chron. "We particular:r recommend this work. It is- cairn
kited to afford just that necessary information, as is4os
npently sought in vain fz\mtv•othersources."—Atlas. "Parents,
heads of families, clergymen, .conductors of schools, an.:l,ait who
areinterested in the 6ml:re weld-Lein„ of others, shou.ld,possess
this invaluable guide.'%----bfeaffr Herald. "This twok. satis-
factorily proves, that iw,certain oases medical k nowlefilgs may be
popalarised with safety.."'-,lprinlirtrisf. "Those have
been the dupes of cunning quacks should secure this•safe awd
cheap volume."—Bristol Examiner.
Mr. LAWES, Publisher, 14, Hand- court, Holborn, London.

DEAFNESS, DISTRESSING NOISES,IIN THE
HEAD.—Just published,. GRATIS, for the PacssaTiory of
the DEAF —Truly Rlivaculous discovery—An infallible method by
which sufferers can positively. cure themselves, explained in a
book of 30 pages, sent free of charge to any deaf person. through
the Post, who may w/ite for the same. Published loptheconsuis-
ing Surgeon to the Institution fort he Cure of Deafness.,.% Suffolk-
place, Pall Mall, Dr. Ft R. Hiounrovi, M.D., Member of the
Royal College of Surgeons, date of Diplomas, 2cd May, 1845.
L.A.C., 30th Apri1,„104.4. It will. save many suffelans from the
dangerous advertised. impositions and deceptiosa set forth by
unqualified and assetnad Auriets of the present day,. By means
of this book, thousands have been restored to perfect hearing in
distant parts of the world, without absence from. home or busi-
ness. Dr. lloatrrowlias published this new discovery as a help
and hint, NOT FOR GA Is tk, DOT TO BE GIVEN switikfoir the Benefit
of deaf persons and k.stop. to Quackery, and eitortionate Fees.
It contains—startling. cures, deaf persons hioring, cured them-
selves,—many instantaneously effected. All letters, post-paid, to
be directed to Dr..HeuHrrOzt, 9, Suffolk-place, Pall Mall, London
—Personal consultation, 11 till 4 every week day.

A 111 A RAE.I4. la 0U S P„E, MEDY!
FOR A MARVELLOUS AGES!: t
H 0 L A Y'S 0I N s Pfl E N T.

TiMa; GRAND EXTERNAL REMEDY

By the aid of a .microscope, we see millionaof little openings on:,
the surface of oar bodies. Through these this Ointment, when.
rubbed on the-akin, is carried to any c, as or inward part..
Diseases of th,e- Kidneys, disorders of the Liver, affections of the
Heart, Inflammation. of the Lungs, Asthmas, Coughs and Colds,
are by its means. effectually cured. Event housewife knows that
salt passes freely.thcough bone or meat of any thickness. This
healing Ointment far more readily peratrates through any bone
or fleshy partof the living body; curing the most dangerous in-
ward complaints, that cannot be reachod by other means.
BRYSIPELAS,JIBRUMATISM ANLSCORBUTIC HUMOURS.
Na remedy. has. ever done so muchfor the cure of diazsises of
the Skin, whatever form they may; assume, as this °int:neut.
Scurvy, Sore fiends, Sol:anis, or Erysipelas, cannot 'Gag with-
stand itsinfilience. The inventor has travelled over natty parts
of the globe, visiting the principal hospitals, dispensingthis Oint-
ment, giving advice as to its application, and has thus been the
means ofrestoring countless numbers to health.
SORE, lx):IGS, BAD BREASTS, WOUNDS AND; ULCERS.
Some of the most scientific surgeons now rely solely. on the use
of Ms-wonderful Ointment, when having to copewith the worst
cases-of sores, wounds, ulcers„glandular swellings,. said tumours.
Professor Holloway has dispatched to the East: large shipments
of this Ointment, to be used in the worst cases of wounds. It
will clue any ulcer, glandular swelling, stitTness.oa contraction of
tha jpints, even of 20 years"" standing.

Ensurante Notice

INDISPUTABILITY THE ONLY COMPLEt
SECURITY IS LIFE ASSURANCE.

(Extracted fromireg—i:sie—rll-')—. • s 1
What is meant by an indisputable policy 7 In the first Plaes'st,
is unlike other policies; the adjective being used to implY solve,
thing to mark and distinguish such a policy from all other et,
cies. In the second place, it means much more—it implies 1.01
the policy to which the epithet " Indisputable" is given eanence
be disputed, except upon grounds beyond the reach and Peo„e' je
the contracting parties to control. In other words, the Po"
represented as being as indisputable as man can make it. e
Nothing can be more embarrassing than the situation Of a Tee
who, after making payments to an Insurance Companyfor
twelve, or twenty years, on the supposition that by such Ps
ments he has purchased for his family the absolute properli.e;rs
reversionary estate, is then told that at his death his surfel'.
may receive such property, but that there is a great chance—aPiiiese
sibility—amounting to a probability, that they may not ; and
_ea
the contingency depends upon circumstances which he carets.
foresee. Yet such is the position of those who are held as Wne'e't
responsible for the precise and literal accuracy of every statelefee
in numerous documents and schedules which precede the isatlete",.°,
of a policy. Take one of these schedules as an instance of av'S't
ments, upon the accuracy of each of which the whole valnee,
the policy will ultimately be made to depend :—" I do herieial
declare that my age does not exceed years; that 1 have tot
cow-pox or small-pox (state which); that I have (or have not) Pee
the gout; that I have not been afflicted with any fit or hf.ase'e
convulsions, nor with asthma, insanity, or spitting of bloodee'ee,
that I am not afflicted with habitual cough, diseases of the lue's-
nor with any other disease or disorder tending to shorten led
and that the foregoing proposal contains a true staterifteiThe
every matter and thing thereby required to be set forth; fins an,
I am now in good health ;• and I do declare that I have nO" of
cealed or withheld any matter or circumstance touching InYillii se
or present state of health, habits of life, or condition which , fie
render an insurance on my life more than usually hazarthelle ,„
with which the Directors of this society ought to be niade,lde
quainted; and that my private referees are well acquainted
tome
and fully competent to give, the requisite information as .
habits of life. And Ido declare that this declaration shall 118.6 g
basis of the contract between me and the said society ; and „`„O..
if any true allegation or statement Ise contained in the said iebe
poesil, or in this declaratioi„ or if any material information,ce
omitted which ought to be contained therein, all moneys 0"; of
shall hare been or shall be paid to the said society, on accotint
such insurance, shall be forfeited to the ese of the said soele,,
and the policy be absolutely null and void,' ea elect,
Now, looking at the wording of this clause,, it may he awe— p
without 'noels exaggeration, that there is no hunntu being tile
earth who, looking on it as the literal condition of his contr.,
with a company, can possess a certainty Oaf the' event of,Prs
death will place. his family in possession of thessum specific. e_
the agreement. It is a professional notoriety thut there are an
merous diseasetewhich may be in active play long before tireir,7,
istence is suspected by the patient or any one me: Yet, by.le
contrivance of making the proposer warrant the literal accun
of numerous statements, the clause above quoted Would Vitro
and nullify the policy, if it could be proved that the inyieible es
had commenced his ravages at the period when the lbstrullite
was issued. The responsibility of the party effecting, the Ow.
ance is unconditionne.ased wholly irrespective of the contingent
whether the "omission" of any fact, material or itninaterialewer'
wilful or not. '
&Ville'
The person who mattes the statement must not onle e_.a,,
that lie makes no wilful mix-statement—that he has not " weeee
held any matter or circinnetance," and observe, not delibereteiefee
of design, but that he has net done so at all. The declaratiefreeee
quired is absolute as to circumstances or possibilities beyond the
sphere of human knowledge e and the responstbily of the dale; i
rant is equally absolute, no matter how innocently he may ha'
been led into error.
All the authorities are of the same opinion as to the sole and eVie,
divided responsibility of the astered. Thus, Lord Eldon Will '''-e„
hear orally distinction as to whether an omission has been To
Serial or immaterial. "If materiaree' his Lordship observes, 'l 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 lt it,
~,
represented to be; therefore mat eri .lii ty or immateriality signr;
nothing. The only question is as to.the-mere fact." This opitii °e,
has been affirmed, to the total ruin of Nineties, by numerouli deft'
sions of the Courts.
and
It may perhaps be supposed that however close the net a
narrow the meshes which are entwined round the party 10°,1
life iethe subject of assurance—however minute and impartslne
and liable to error are the facts, and yet sti-ingent in constructle"
of lave are the terms of the declaration bees-called upon to mate'
yet that by great care lie may be able to comply with every 4stre
mend, End escape without a forfeiture of kis-poliey. But that ee
cannot do; . for there is something yet more demanded of In
before he becomes entitled to a policy—a requireinent in seinC
the greatest amount of care, and prudence, iieneseruipolous acce-
racy is of no avail. The proposer must give the names of riled!:
cal attendants and two friends, each' of whores- reteras answer,
to a long- list of questions, and the facts and statements e`e
received by the company, although the proposer is not ellaiq
acquainted with any one of them, are yet as rieueli the subjects °, ,
warranty as his own declaration, so that a wilful or innoceli
error in answer to any of the questions put to tnesereferees wi
as effectually vitiate the policy as if had preee. tied. front thee
assured himself. We can make room for only one !example of f"
provisions just noticed, which we select from a large tinnily o',
similar caseseand from the practice of a highly respectable teflieej
Wilehere v. 'the Law Life. Wilshere resided near London, line
on several occasions had consulted a London physic:An as- to ID--
health, besides having the-advice of a country gentleman. I.l°
came to London to-effect as, assurance on his life, keide in,anoefe,r,
to the question." Who is ;four ordinary medical attendant?'
gave the name and address ter the London physicianewitli wheal
report and that of. their o.4rn medical examiner, thedirectoteen
the company were satisfeeel, Some years alter that, Witsbe"
died, and his executors were defeated in a claim against-the COst'
parry kr the sem. assured, merely, and upon no onz?rqrotin°'
because the name of tbiesterpeen, and not that of the physician',
ought to have been-inserted in the proposal.
1n consequence of this state-of matters, there arose in. the publig
tnind a general feeling.of inseetreity in Life Assurance, which ltal
increased by the perusal of numerous cases occurring in thcroottrie
of law and reported in- the- newspapers, most of them-al th 7
instance of assured parties- against Life Companies, but assnY o
them in which Life Companies ere arrayed against eacleothee'
The great desideratum,o was-ttnake policies indisputable, so' 1s
~
to remove all doubt, and. dissipate every apprehension ae tO Lev'
certainty of the SUM assured being paid when it became -dbel
whereby the public-generally would be benefited, and the bosses
of Life Assurance much extended..
" The Indisputable-Life PolieysCompany" undertook this-401re
and in order most effectually to make the policies they issuede"°.
disputable and certain documents of security, they inserted toe
following clause in their Deed- of Settlement, thereby crefettoir
an effective and legal-obligation, imperative upon the ComparzrW'
fulfil, and which it irthe right.elevery assured member to plea' '
and insist upon
Clause
Clause 84. " That every Policy-issued by the Company shan,
indefensible and indieputable,, aw ntl. thefact of issuing the sa,
shall be conclusive evidence of the. validity of the Policy; an,d4r,
shall not be lawful for the Catnyany. to delay payment of bk:,
money assured thereby on the ground of any error, inistake,-0
omission, however important, mode by-or on the part of the pa.'
son or persons effecting such Arsurance-; and that, on the c°o",,
trare, the amount so.assured skali• be paid at the time slipulafe'
by the Policy, aril no such error, mistake, or omission, had beer
made or discovered."
We have said that the above clause formes a part of the Deed Of
Settlement of the Company, and that deed being registered In'
terms of the Act 7 and 8 Vice c.: 110 j there is nothing wanting Or
give it the fullest effect. It is not merely to be found in a pro-'
spectus or other-circular, which mayor, may not be obligatory en'
the Company, according to cirenuistances, eat it forms a coal',
ponent part of the existence of the corporate body. A mere pre'
mise of indisputability is not enough.. Such a clause as the above
is required to give legal efficacy. It appears to have been care;
fully and anxiously prepared, for the purpose of cutting o',
every ground and pretext of dispute as to. the validity of the
Policy; and we confess that we cannot find any words or aeries
of sentences more operative, ,effective, or compulsory for that
purpose. In order the more effectually to show this, We
would invite Our readers to, compare- this clause with the.
law as laid down by Sergeant elarslaalt in the passaer
already quoted from that learned. authority. The India:,
putable clause says—" Every .policy-issued- by the Company Os.
be indefeasible and indisputable, end the tact of issuing the Woe
shall be conclusive evidence of- the validity, of the policy." igr'
Sergeant Marshall, speaking cf the clause ordinarily inserted l,°,
policies, says, . "it is quite immaterial for what purpose or Wit"
what view it !-eiwarrant] is made; :but • being-once inserted in die
policy, it becomes a binding (felltion on the assured, and unless
he can show-.that it has been complied. with, he can derive n°
benefit from the policy." In other words, an, indisputable policy'
when once issued, declares that, defaclo,.ait precedent questiong
are held to have been finally settled, whereas an ordinary poll
declares onehe face of it that. time Directors retain the power to
keep all these questions opezeto dispute, until they have actual
paid the amount of the policy.to the.executors. Again, the indir..
putable claesse says, " It shall not ,be lavita for the ConipanY to
delay payment of the money assured, on the ground of any errors
mistake, or omission, howeyeremportant, made by or on the par;
of the persieei or persons effecting such insueanee. Mr. &rots°
Marshall, on the other hand, says, " The eery meaning of fi'vrar
runty is tie preclude all queetioneviether it has been substantial)l
complied with or not. Whether the thin .warranted was mater's
or not, whether the breach of it, proceeded from fraud, negligence,
mis-information, or any other. ause, the oonsequence is the stiffl,:
—Le, the policy is void."' la. the next place, the indisputahei
clause says that, "on theecontrary, the-amount so assured she'
be paid et the time stipulated .by the policye Kt if no such error,'
mistake, or omission, heel been .made undiscovered." Mr. Sec-
geant Aarshall says, "The warranty makes the contract hyPc;i:
thetical ; that is, it shall. be.binding if 'rte warranty is compli e
with. The only question is,.has the thing warranted taken piaci,
or note. If not, the assure: es not answerable for any less, eee.,
thottys,it did not happen in consequence of the breach of the te,a'-p
runty,?' Can anything.. he more conclusive than this in proof hey
the ateperiority of the Indisputable Policy? The Indisputabee.
Polley settles all precedent questions--an ordinary policy lean e'
thenefill unsettled. Aenetelisputable Eolicy, declares, by the nt.er.:
fda,rof its issue, that all questions relating to the health, hablA"r
aga,,Bte.., of the assured are, as far -aathe Company is concerned':
seteat rest for ever--ali ordinary policy leaves these poiro
teepee to dispute, untilebe claim lees actually been discharged.
Loudon Indisputable Life Policy Company, 72, Lombard-streel-
-Manager, ALEXA.NDEft Ron snersoe.

AI NS UT-, TIM BACK, GRAVEhr
LUMBAGOi EIIEUMATJSM, GOUT, HEADACIIP'
N ER VOUSN EBIL.LT Y, &c.
DR. DE ROOS'',C OM PO ND. RENAL PILLS (as tbsii
name Renal, or the Kidneys, indicateAhave been long establishe",
as a most safe and speedy remedy for the above dangsrott;
complaints, Disaltargeti of asty.kintl, and Diseasesof the Kidney
and organs therewith connected-generally, &c., which , if neglectel
frequently end; in lingering painful death. For Depression Or
Spirits, Excitement,
.Dislike of; Society, Incapacity for StadY 0e
Business, Loss of Memory„*Cont;usion, Giddiness, Blood to slid
Head, Drowsiness, Sleep without, refreshment, Nervousness,.e°
even Insauit:6itself,. they are. uhequalled. Possessing tonic pry
perties, they, agree with the moat delicate stomach, strengWe,
the digestivsuorgans,inerease-the appetite, and improve the liens.
ral health. They,requisa neither confinement nor changs. of die
and in three days will ell' of a. cure when mercury and all ,oth t
dangeroinwnedicines havelailul. One trial will convincctlic-10
sceptical of their surprising properties.
Mr. Lstellier, Etruria. Potteries,_,. Your Renal Pills.heye dos;,
wonderswith me andothees to whom I have recommendedlherth,t
H. C., Post-office., Stafford.—" Your Renal Pills inse.a. 10"
splendid medicine."
J. biturphy, 70, Upper Sterin-street,Dublin.--" I nen% mist
like ofithem before,they are really a surprising medicine. I)
W, Chartres, Esq.,. Newport, Mayo..—" I have a dears* 41110;4
mew and vigoer such as I did not feel these two years. Pt
memory is. wonderfully improved, so that I can recollect all tr,
evants Of. each day with the greatest degree of clearness. It 7
astonishing how I got out of such awful sufferings, but 1, two%
owe it ,altogether to the use of your Pills."
PERSONS WING ABROAD, CAPTAINS and OTHE;I,S.e*p.
D,
net store moreimportant articles of health than the st.bove. whifhr
by regulating the Stomach and Bowels, and tranquillizing ,t2,,1
Nervous System, will prevent those fatal diseaus so prevalc't'o
abroad, asalso Sea Sickness and other complaints incidental fa
long voyages and irregular living. No Emigrant's Chest
be properly furnished without them, for when far removed frp:',",
medical ant, they will find in these Pills a never-falling redora/0:d
Ist POACTA NT. —The immense demand for the- above has induf:
an unswitpulous persan to imitate them, and bo. assume the naii'r,
of D Boos. Some unprincipled Vendors. when asked for Yu,
DE Roos' Pi ni,s, have attempted to foist upon the public OWO'
rims Medicines or trash of theirowncompounding,frein which tho,
obtain a larger profit. The oENtI NE have the words, "
DE ROOS, LONDON," in white letters en a red ground, Pr'ilef
in the Stamp affixed to each box; by special direction of nt
Majesty's Honourable Commissioners, to protect the Public i,
t"
Fraud, and to imitate which is felony-
May, be obtained through all Medicine Vendors, at Is. lircio'f:
2s. 9d., 48. 6d., 11 s., and 335. per Box, with full directions njf,
use; or by enclosing Post-offico Order or Stamps to Dr. Zey
ROOS, 10, BERN ERS-STREET, oxFoß.D.sr., LONDON,
tii
will be sent per return. At home for consultation daily fro'
till 4 o'clock, Sunday excepted. Advice and Medicines .41,•f0t,
Sold by Jones, 5, Paradise-street, and 78, London-road. 'r'rll
tram, 24, Waterloo-road, and 6, Argyle-street, Birkenk,eres.
Priestley, 52, Lord-street, Liverpool; Barnes, Fishergatc.
ton; Marsh, Wallgate, Wigan ; Aspinall, chemist, &c., Mer_otti
street, Hindley ; Clarke, Gazette-office, Lancaster; Westrns'
No. 4, Market-street, Manchester, and all Medicine Vendors; pe
N.B.—Respectable Persons in Country places, who 1' to
' allowed a liberal Commission, may make a handsome additio
nina
their income by selling these Pills, which are very justly becorp
avourite Medicine with the Public.

LIVERPOOL

by the
Printed and Published every TUESDAY MORNINDs
Proprietor, ROBERT PEARSON THACKER, of No's}
Percy-street, at the STANDARD GENERAL PRINTP;
OFFICE, No. 4, Sr. GEORWS CRESCISXT, Liverpool'
Tuesday, February 12, 1356,

i


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