The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1855-09-25 00:00:00

Ofebittrraimn.

Engaged Cargo is being received at the loading berth, south side
Wellington Dock,
A Steam-tender will be at the small Landing-stage at Ten o'clock,
on filomnAy MORNING' next, the Ist October, to embark Pas--
sengers, for the EGYPTIAN.
LE 'A SCREW ST 'AM SHIPPING COMPANY'S
First-ciies Steam-ships-
GRECIAN, ARMENIAN,
ATHENIAN, CIRCASSIAN,
-EGYPTIAN, CRIMEAN.
-b. For CONSTANTIicOPLE micFSMYRNA,
oti Calling at MALTA and MEtA,
k, ~;.._ lb ,i,
AMIN. :il.--• • EGYPTIAN,
WM. MCIIIICKEN, Commander,
,slarwtm,c, is intended to sail from NELSON DOCK—

MO N tie let of October.
All freights must be paid in Liverpool.
goods will be received at the Loadiag Berth, Nelson Thick..
To prevent the possibility of after discussion, it is requested
that' Shippers will send a person to the quay to see their goods
measured.
Shippers who send their goods per raj': are requested to consign
them to the Waterloo Station, being the nearest • terminus to the
dock where the EGYPAAN will load.

En, the event of these steamers being placed in quarantine.
at any of the ports above-mentioned, cargo will, on the arrival of
the Steamer, require to be immediately taken away and trans-
ferred to 'another vessel or depsflt, to perfo:m quarantine, at the
expense and risk of the shippers or Consignees. This also ap-
plies to Passengers.
Bills of Lading are reqwired to be at the OlNce in Liverpool for
signature the day previous to sailing.
Goods foll-the above-named ports must have the place of their
destinationdistinctly marked on them, in letters of not less than'
two inches,,otherwise the Agents will not be• accountable for
mistakes.

- .
Shippers will please send a Shipping Note alow, with each cart-
load of gooft-
For freight or passage• apply, to LEWIS POTTER and Co., Glas-
gow ; or Here to
FOWLER 'and DAGN'M.L, 4, Tower buildings West.

BRONZED TEA URNS-AND KETTLTz,S, AND

PAPER TEA TRAYS.

A BEAUTIFUL . and Choice Assortment of the
above-named Articles just received. They are unequalled in

Liverpool, and a Wait will confirm the fact. To be seen at

WILLIAM ODELL'S,

90, BOLD-STREET.

BELL-HANGING,; GAS-FITTING, and SMITH'S', WORK in

GENERAL.

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

ROSALE COUPELLFJ'S CRINUTRIAIt
is guaranteed as the only.preparation to be depended' on the for
growth of Hair, Whiskers, &c., as also curing, nourish!ng, beauti-
fying, and strengthening the hair; and checking greyness. It is
a most unique and.elegant conapeund, and has never been known
to fail. Price 2s, per Bottle, through'all Chemists &Perfumers,
or sent free on receipt of 24 stamps,by Rosalie Coupelle-, 69, Cas-
tle-street, Newssan-street, Oxford-street, London.
Mr. Williams, .St Lowther-street, Liverpool : " I can now show
as fine a head of hair as any person, solely from using your
Crinutriar."--Sergeafit Craves,. Longford Barracks, Ireland :
"Through using your Crinutriai;. I have an excellent moustache,
which I had before despaired ef."=-Mr. Halley, Cumbernauld
"It surpasses overy thing of the kind."—Mrs. Carter, Pang-
bourne: "My head. whicliwas...quiteloald, is new covered with
new hair."—Mr. Lane, Golden, Lion, Macclesfield-street, City-
road, Londor..; "A friend cf mine, Mr. Harris, describes its
effects as truly astonishing."—Mr. Yates, hairdresser, Melton :
"The young man has now agaod pair of whiskers, I want two for
other customers."

IF YOUR HAIR IS- QIIEY OK, RED, use
ROSALI E. COUPE L,DiE 'S- PUKE INSTANTANEOUS
LIQUID, H A R. D•Y‘E , universally acknowledged as
the only perfect .one and infinitely superior to tile numerous dis-
graceful ireitationsovhich smell horribly, burn the hair, and leave
an unnatural tinge. Price3s..64l..per bottle Through ale Chemists,
&c., or sent free secure-from observation f0r,52 postage stamps.
Mr. Whitaker, 22, Fargate, Sheffield "Your. Hair Dye is highly
spoken of by all who have parchased it of mo."—Mr. Pearse,
King-street, Ludlow_ "Your, Hair Dye tiais . succeeded admira-
bly, it gives such a natural tinge."—Mr. Pearson, 29, Fishergate,
Nottinham: " Your- Hair. Dye is excellent..7'--Mr. Casey, 2,,
Glo'ster-green, Oxford "It gives the greatest satisfaction."—
m..,Middleton •.
.14
,answers the highest
p
Clark, Wexford : " It is
andimmediatea Dye, farpreferable to all others."
i..F44l.Paradise-street, arid 78, London-road • njsJones,
4n,_esr
3. N.
expectations."—Mir.. xamse
aeoec. ssdst a
excellentbt Thompson,iyo.
Mat-
tram, 24, Waterloo-road, and 6, Argyle-street, Birkenhead;
Priestley, 52, Lord-street, Liverpool ; Barnes, Fishergate, Pres-
ton ; Marsh, Wallgate, Wigan ; 2'larke, G au/ te-office, Lancas-
ter; Westmacett, N 0.4, Market-st., Manchester; and all respec-
table Chemists & Perfumers ; or of Rosalie Coupelle, 69, Castle-
st., Newman st., Oxford-st., London.

THE WONDER OF WONDERS ! ! !
HOLLOWAY'S PILLS.

ASTONISHING CURE OF DROPSY.
Copy of a Letter from Mr. David Simpson, of Collingham, dated
4th Sept., 1854.
To Professor Holloway,:—Sir,7--It is with great pleasure I have
to inform you of a most wonderful cure of that dreadful malady,
the dropsy, effected on. my daughter by the ase of your invalu-
able pills. She had been under medical treatment for a long
time without deriving any benefit, although she was tapped
twice, and fourteen pounds of water taken from her, each time.
After suffering very severely for some time, she finally had re-
course to your pills, and in four weeks was completely cured, after
every other remedy failed to do her the slightest good. I there-
fore feel bound to make this statement public for the benefit of
similar sufferers.—l remain, sir, yours obediently,
(Signed), DAVID &WWII.
WONDERFUL CURE OF ASTHMA.
Copy of a Letter from Mr. Joseph Wild, of Hyde,, Cheshire„
dated the sth of August, 3854.
To Professor Holloway,— Sir, Mrs. Newton (a lady well
known in this town, residing in Hanover- street) was afflicted
for years with a severe attack of asthma ; difficulty of breathing,
and a most violent cough, causing severe pains in her side, parti-
cularly when she took cold; she tried many remedies, and con-
sulted different individuals, without deriving any benefit. At last
she came to me, and I advised her to take your pills and use
your ointment ; after a few weeks, by perseverance with your
remedies, she was considerably better, and, by continuing the
same, in three months she was perfectly cured.—l remain, yours,
&c. (Signed) Jos. WILD.
INDIGESTION AND BILIOUSNESS ! EXTRAORDINARY
CURE ! I !
Copy of a Letter from Mr. James Henshall, of Ashton-under-
Lyne, dated 28th June, 1854.
To Professor Holloway,—Sir,--I was seriously afflicted with
indigestion, attended with frequent sickness, loss of appetite
giddiness, headache, drowsiness, and dimness of sight, an op-
pression at the pit of the stomach, and the other attendant evils
of a generally disorganised constitution. Although I tried a
variety of reputed remedies, I was not benefited, and finally I be-
came so bad that life was almost insupportable to me. At this
period I commenced using your pills, and in gratitude am bound
to confess, that after a few doses I felt considerably better, and
in six weeks was radically cured by this medicine alone, after
every other remedy had failed to afford me the slightest relief.
(Signed) JAS. HENSHALL.
These celebrated Pills are wonderfully efficacious in the follow-
ing complaints :
Ague Dysentery Piles
Asthma Erysipelas Rheumatism [Evil.
Bilious Complaint s Fevers of all kinds Scrofula, or King's
Blotches on the Skin Fits Sore Throats
Bowel Complaints Gout Stone and Gravel
Colics Head-ache Tic-Douloureux

Constipation of the Indigestion Tumours
Bowels Inflammation Ulcers
Consumption Jaundice Worms of all kinds
Debility Livercornplaint s Weakness, from
Dropsy Lumbago whatevercause, &c
Sold at the Establishments of Professor HOLLOWAY, 244,
Strand, (near Temple Bar,) London, and 80, Maiden lane, New
York ; and by all respectable Druggists and Dealers in Medicines
throughout the civilised World, at the following prices-Is. lid.,
2s. 9d., 4s. 6d., lls., 225., and 335. each Box. There is a con-
siderable saving by taking the larger sizes. N.B.—Directions
for the guidance of Patients in every disorder are affixed to
each Box.

Ensurance Nottres.

YORKSHIRE FIRE AND LIFE
INSURANCE COMPANY.
ESTABLISHED 182 4.
Parties having Annual Policies falling due on the 29th of
September are respectfully informed that they should renew the
same within fifteen days from that date.
AGENTS:
LATHAM HANMER, 1, Dale-street.
F. L. MAWDSLEY, 3, Cook-street.
JOHN ATKINSON, 25, North John-street.
LITHERLAND & GROOM, 42, Lord-street.

THE LIVERPOOL AND LONDON FIRE
AND LIFE INSURANCE COMPANY.
CAPITAL, TWO MILLIONS.
ESTABLISHED IN 1836.
Empowered by Acts of Parliament.
OFFICES.
31, CASTLE-STREET, LIVERPOOL;
20 .5" 21, POULTRY, LONDON;
AND
61, KING-STREET, MANCHESTER.
Persons whose Fire Policies with this Company expire on the
29th instant, are respectfully reminded that receipts for the
renewal of the same will be found at the Head Offices in Liver-
pool, London, and Manchester, and in the hands of the respective
Agents.
DAMAGE occasioned by EXPLOSION of GAS is now allowed
as a Loss under the Company's Fire Policies; no Endorsement or
Extra Premium being required.
SWINTON BOULT, Secretary to the Company.
AGENT FOR BIRKENHEAD.—Mr. Robert Hughes, Brandon-street,
Hamilton-square.
September, 1855.

THE ENGLISH AND IRISH
CHURCH AND UNIVERSITY ASSURANCE
SOCIETY.
4, Trafalgar-square, Charing-cross, London.
90, High-street, Oxford, and
OFFICES.. 111, Grafton-street, Dublin.
2, Chapel-street, Liverpool.
DIRECTORS, 6-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 Horner, Esq., Solicitor, 2, Chapel-street.

Every description of Assurance and Annuity is entertained that
may be dependent upon the existence of One, Two, or Three
Lives.

A diminution of Half-a-year is made on the amount of Pre-
miums when persons Assure Within Six Months of their last
Birth-day.
Provision for Old Age and Annuiti'es may be purchased at rates
at some ages considerably lower than those of many other Assu-
rance Companies.
A Special Table has been calculated for this Office, whereby
Interest at the rate of 4 per cent. per annum is allowed to the
Policy-holders upon all Premiums paid by them until death.
Forms of Proposal and every information may be obtained on
application to the Head Office, or any of the Society's Agents.
JOHN EDMUND COX, M.A.,
Chairman of the London Board.
JAMES GEAVES HOOTON, Secretary.

ESTABLISHED A.D. 1717.
'WESTMINSTER FIRE O'F'FICE,
KING-STREET, COVENT-GARDEN, LONDON.
The Public are respectfully reminded that the Renewal;Receipts
for Insurances due 29th September, are now in the hands-of the
Society's Agents as below.
All Policies expiring at Michaelmas should be renewed on
.or be-
fore the 14th of October, otherwise the liability of the crffice will
cease.

From the well-known character and stability of the WEST-
MINSTER FIRE OFFICE, and the prompt and liberal manner
to which all just clvims on its funds have been met for a period
Of One Hundred and Thirty-eight Ireara, the Directors have the
greatest confidence in recommending it to the notice of Insurers,
and appealing for a large amount of support in those districts to
which they are now extending its business.
WESTMINSTER AND' GENERAL. LIFE ASSURANCE

ASSOCIATION.
The Life Office, Established in 1816 by members of the
Westminster Fire Office, has been highly successful in its
operation. An economical management, a judicious adjustment
of the premium to the risk incurred, and a careful investment
of the Funds, have enabled the Directors tO make additions to
Policies which have equalled One-half of the-Pronisms received.
Assurances effected during the current year,. o'n the partici-
, pating scale, will share in the ensuing•divis-ion of profit, to be
declared 1851.
AGEJTS.
Manchester Mr. Edward %V. Roylance, Old:Corn Exchange.
861 ton Mr. Peter Johneeni 17, Acres-Field.
13:ackburn.. „. Mr. Peter LonsWe. 1, St. Alban'i-street.
Burnley • Mr. J. S. Veevers,diargreaves-s,,reet.
Chorley Mr. James Pierce,•Market-street.
LIV-.3ltenOL Mr. James Burnet,.24; North John-street.
Mr. Henry L. Sherlock, Canning Place, Fire
Office only.
Preston
Roclull,lo Mr. Joseph W. Booth, „Solicitor.
Staleybridge Mr. Joshua A. Gould, Copley Cottagc;•
Stockport' Mr. Wm. L. Swindells,B7, Heaviley.
Wigan Mr. Thos. Milligan, Hall Gate.
Active Agents required where the Offices are not folly
represented.

PHCENIX, FIRE ASSURANCE • COMPINY,
LOMBARD-STREET AND CHARING•CROSS,,
LONDON.
Established in 1782.
TitirSTEES AND DIRECTOR 3;
Decimus Buxton, Esq. William Jas.-Lancaster, ract,;-
Octavius Edward Coope, Esq. I John Dorrien Magens, Esq.
William Cotten, J. Masterman, Esq,, M.P.
John Davis, Esq. John Timothy Oxley, Esq.
George Arthur Fuller, Esq. George Stanley'Repton, Esq. -
James A. Gordon, Esq. Benjamin Slum Esq.
Henry Grace, Esq: CharlesHampdenTurneriEsq. -
Kirkman Danl. Hodgson.,Esq. I Matthew Whiting, Esq.'
Thomas Hodgson, Fisq,.. Francis Wilsor.; Esq. •
James Horne, Esq.

AUDITORS.
• John Hodgson,-Esq. I Peter Martineau,• Esq.
SECRETARIES.
Wilmer Harris, Esq. George William Lovett, r.sq.
Architect ecnd,Sierreyor.—John Shaw, Hiq.,
Solicitors.—Mears.. Dawes and Sons, Angei-court.
insurances against Loss by FIRE are effected b7-the PlicENt.r.
ComrANY upon every description of Property, ,eery part o/
the World, on the most 'favourable terms.

Persons Insuring with thePircemx COMPANY armlet liable tO,
make good the Losses of otters, as is the case in some Offices.
Insurances with this Company expiring atM ICHADLIKAO_ must be
renewed within Fifteen Days thereafter, or they wil? become void.
Receipts are now ready at th e• Principal Offices, Lsinliacd-street
and Charing-cross, and with the respective Agents througllout the
I.7nsitztd Kingdom.

AGENTS' FOR, ETTERPOOL.
Messrs. TAYLOR,' and STEAD, Account ants.-
Mr. GEORGE GLYNN,. Drvsalter.
WIDOW SUWON and SONS, Insurance Brakser4.,
Messrs. W. TARBET and SON, Merchants.
ROBERT WILLIAMBrEsq., Merchant.
AGErFfft-FOR.
Asiitcn- Thomas Hill, Esq., Surveyor.
Accrington Wm. Henry Bell, E'sq., Land-survey.zirix
Astiey Mr. Arnoid,Johnson, House-agent.
Blackburn Alexander. W. Paterson, Esq., Manufabt=rer.
Ditto ._ Mr. John,Railton,Eingineer.
Belton • John Huiton, Esq., Solicitor.
Ditto Messrs..FohnMawchileyBzSon, Cotton-sininners.
Burnley Mr. Peter Phillips.,Broker.
Bury Mr. T. Holt; Chemist, Szc.
Cohie . ...... R. Wildman; Esq., Bank-manager.
Chcrley Mr. Alexander Bannerman, Land-agent..
Fleetwood Frederick Kemp,. Esq., Land-agent.
Hao4ingden .. Mr. WAlliam•Hindle, Magistrates' C:erk.
Lancaster.... Richardeihde,.Esq., Wine Mernant,

Ditto Messrs. Robinson and Son, Siitti&nra.
Manchester Mr. Wan. J. Tate,. Gentleman.
Ditto Mr. Jonathan Lees, Accountant.
Orrnskirk Mr. Jan Fairhurst, Flour-dealer.
Preston Edward Tedder, Esq., Banker.
Preacot Mr. George Fogg,.Draper.
Roohdale James Woods, Esq,., Solicitor.
St. Helens Mr. John T. Threlfall, Brazier.
151,7erstone Mr. James Mason, Draper.
Ditto Mr. Stephen Sonlby, Bookseller..
Wigan William Ackerley, jun., Esq., Seittitor.
Warrington Mr. James Bolton, Ironmonger.

A'AS FIRE. AND LIFE ASSURANCE
COMPANY, 92, CHEAPSIDE, LONDON.
Eetablished 1808, and Empowered by Act of Paortiament
the 54th George M., cap. 79.
DIRRCTORS.
JOHN 01117H$ 1-I.AoisoN, Egg., Chairman.
WILLIAM GEORox Paascewrr, Esq., Deput3l-_,Chatirman.
Sir William Baymes,,Bart. Moses Mocatta, ~Esq.
AI E. Campbell, Esq.
Capt. A. L. Montgomery, R.,
ArnseepshWpiullli,„-lcyrr!EOseigle., Esq.
, Arthur Augustus Rasch, Esq..
Tjsosa.mCeuphehalpGEmruaosntte,a,,,,Eissii,:a.:tn:l;
A/JD/TORS.
Benj. BuckAcGtrueaeryne,_,
easnAdnJsoeu, John
EGsezges.
Maclean, Esq.
Solicitor,—Thomas Brownutgi Esq.
Surveyor,—Thos. Hopper, g.pq.
IN THE I.A.N,E BRANCII.—The essential qualifications a as-
surance, combining perfect security 874 the highly-favoured
Bonus System, are united, thereby giving- immediate belittle to
the policy holders, as exemplified in the. result of a practice
thoroughly developed and established.
PoLicus. AIRY HS. EFFECTED for the whole term of life by
payments yearly or half-yearly, also 'ay a limited nrmber of
yearly payments—a mode of Assurance which originitted with
this Company. in IS/6.
IN THE. FIRE BRANCH tile rates fon,every description of assu-
rance will: be found to assimilate to those of the must respect-
able and best conducted offices, vdth the periodical division of
surplus premiums, and other advantages highly favourable to
the-assured.

A DETAILED STATEMENT OF Tali TERMS, &c.. on which the
business of the Company in its various branches.. is. conducted,
and exhibiting the successful Issult thereof, lately enlarged an
published by the Directors, may be had at the Head Office, and
of the Agents of the Company in Great Britain, or will be sent
by post, on application by letter.
RENEWALS.— Policies due. at MICHAELMAS QUARTER (29th
of September, 1555) should be renewed within ~:itteen Days there-
after.

HENRY DESBOROUGH, Secretary.
92,_ Cheapside, London, September 22, 1855..
The Agents for the Company at the undermentioned places
are:— LIVERPOOL:

Messrs. HORNBY and MARSDEN, 13, North Jan-street.
Mr. J. T. LEYLAND, 27, Exchange-alley North.
Messrs.MUSGROVE, VANCE, and WORTHINGTON, Apsley-
buildings, Oldhall-street.
Mr. W. H. MACLEAN, Tower-buildings East.
Mr. J. L. CROSS, 26. Castle-street.
Mr. THOMAS LLOYD, Sweeting-street.
Mr. G. K. BEARDEN, Castle-street.
Appleby, It. Winter, jun. ' Ormskirk, James Robinson.
Ashton-under-Lyne, W. Lee. Oldham, John Duncuft.
Ditto, R. M. Ramsden, Preston, W. Lancaster.
Birkenhead, G. R. Deanden. Rochdale, Messrs. Hartley.
Blackburn, It. Wilding. Salford, J. C. Brook.
Bolton, C. Briggs. Southport, R. Johnson.
Bury, J. G. T. Child. StaleybrhU4e, W. G. Johnson.
Burnley, J. Sutcliffe. St. Helen's, J. Ansdell.
Chorley, J. Wallwork Stockport, G. Atkinson.
Lancaster, R. Stanton. Ditto, 11. Roberts.
Macclesfield, Swinnerton and Warrington, J. Hall.
Brown. Wigan, R. HalliwelL
Manchester,R. and C. Harvey,
and H. B. Green.

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 families, hotel keepers, laundresses,
&c. It only require: 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 ; Mr. John Dixon, grocer, No. 48, Pembroke-
place; Mr. William Davies, grocer, 58, 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, ii, Hurst-street;
Mr. W. H. Maitland, ship-store merchant, 45, Regent-street.
One Trial will prove the superiority of this soa&KILL
8,
Co.

[SEPTEMBER 25, 185.

ESTABLISHED 1840. li 9
CLIHFeEadANOffiD
eFe,IRS,ELAOSTSHURBAuNg
HURCH OF ENGLA,
LIFE. d 5117r°'
This Institution adopts both the PROPRIETARY aC .N oogi
systems of Life Assurance, and the Policy-holders ! „,,di
BRANCHES are fully protected by the large -Subteribea '',7oel
as far as is compatible with stability, and especiallY far
of the Company. The Rates of Premium are reduced in.,golafil lie;
for young and middle-aged lives. ittal
FIRE. t the got
Premiums for Assurance against FIRE are charged a on
moderate rates, with a reduction of £lO per Ce, 101,11
RESIDENCES AND FURNITURE OF CLERGY
BUILDINGS and CONTENTS of CHURCHES and mr,
SCHOOLS. aisiteirP
Prospectuses, the necessary Forms, and every reck.„pliel
mation for effecting Assurances, may be obtained 0,,,,a applia
at the Head Office, as above, or to the Agents of the vt'—' try.
gecret ft,
WM. EMMENS, -,.: 0 fors.„
.** The Rates of Premium charged by this Instill, (11.
sidence in India, the Cape of Good Hope, and Atit—aAW—,
the Company has'Branches), are peculiarly favourabie— --'
lIOS,
AT
DI ToST
.1 0 :4,

4001
CO
- ,
INDISPUTABILITY THE ONLY c ~,,,7 ~ .
SECURITY IN LIFE ASSURANCE a"` ft
(Extracted from" The Register.") iiscl!
What is meant by an indisputable policy? In.ttaltriti
is unlike other policies ; the adjective being useSlileles'.- WI
thing to mark and distinguish such a policy frolea itivt-cstel
cies. In the second place, it means much mortlgill :f
tatt if
the policy to which the epithet " Indisputable' a' id ►ACP"
be disputed,. except upon grounds beyond the reaT"tlier ,
the contracting parties to control. In other wrfarr'lgeit.,,ffr•
represented as being as indisputable as man can teLiepe'w 04
Nothing can be more embarrassing than the site_A" ale;
who, after making payments to an Insurance Cu n,ll:ref 10,,
twelve, or twenty years, on the supposition that a AR
ments'he has purchased for his family the absolute 10 90/i
reversionary estate, is then told that at his death pcntlO
may receive such property, but that there is a great dist, or:di
sibility—amounting to a probability, that they rnal,b° fle sr,if,
the contingency depends upon circumstances taleac,4o,,aff
foresee. Yet such is the position of those who are "",.‘51811109
responsible for the precise and literal accuracy of eitiat , de;
in numerous documents and schedules which precerra,tesird,
of a policy. Take one of these schedules as an insToie 1;ilt
merits, upon the accuracy of each of which the w:',- done
. _{ y
here
the policy will ultimately be made to depend -at 1 lif')lF
declare that my age does not-exceed years; reabncellsol
cow-pox or small-pox (state which); that i have (or fi, or
the gout; that I have not been afflicted with abYs Wel;
convulsions, nor with asthma, insanity, or spitting o', the
that I am not afflicted with habitual cough, distasee(htortell
nor with any other disease or disorder tending t°l:tatere,,
and that the foregoing proposal contains a true
_,., 0"
every matter and thing thereby required to beset forl':!,pol?
I am now in good
Ilanit ; and I do declare that I I;-.100if
cealed or- witkliel y matter or circumstance tollch AirD,,C,
or present state of health, habits of life, or condition,oodei
render an insurance on my life more than usttalifY ha be 00,
with which the Directors of this society- ought to
loted.4l
quainted; and that my private referees ace well aolu-'OO al'IS
and fully competent to give, the requisite inforinatl 4 Vol 1
habitS of life. And Ido declare that this declaration Sr: gied',,,e
basis of the contract between me and the said societj joid.r.a
if any true allegation or statement be contained in tLi'matly
infor 0 4
posal, or in this declaration, or if any material eaer delr
omitted which onght to be contained therein all ru,tacce_aef/f
shall have been or shall be paid to the said society; °'llara
such insurance, shall. be forfeited to the use of the sal _ ji,
antlathe policy be absolutely null and void." fP...0 •
.be A UFA
NOIR, looking-at the inch of this clause, it MO heist 0.
without much exaggeration, at there is no hurnl9,99ho 0909
earth who, looking on it' RS the literal condition er aaeat:e.4 if,
with a company, can possess a certainty that the tr,sneci eor ,
death will. place his family in possession of the stonierri ..9rirtr.
the agreement. It is a professional notoriety that 'foe tIo ;IP
merous diseases which may, be-in active play long be' yet, bitoCi.
istence, is suspected by the patient or any one else. , ocC,,,,ti,
loifcinucomme'n-oleuns
contrivance of making the proposer warrant the literit'ollePiet
and nullify:the policy, if it could be proved that the 9"-stil7stir
csetdatehlinisenratsv,agtehae,actlavulsee
pearbioLe:hueoitied itfisib..4o
the,ltie sod
was issued. The responsibility-of the party effee'ingoo:ool4
ance is uncentlitionaa and wholly irrespective of the 0801,
whether the "'omission" of any fact, material or twine ~liff
wilful or not. only av,
lint 00 0
~
The person who- makes the statement must 11, s Or tee
that he makes no wilful mis-statement—that he has
any matter or circumstance,"..and. observe,
of design, but that he has not done so at all. The del,eilelr
quired is absolateas to circuinstaneea or possibilities toed tbe ,04
sphere of human knowledge ; and the responsibily
._',. moo'
not
.4801 A v.
rant is equally absolute, no matter how innocently By or:
been led into error. ole °II
All the authorities are of the same opinion as to the s ~ 01 .4'.
divided responsibility of the assured. l'hus, Lord EldoiLeep,asi
hear of any distinction as to whetherain omission tastes,
terial or immaterial: ~ If material," hie•Lordsbipobsertbere 00
a materiality maybe inquired into and shown ; but 11.,0 !Ile,
warranty, it is part of the contract that the matter his/7"OP
represented to be ; therefore materiality or imirsater.if,„hiselldeer
nothing. The only-question is as to the mere fact." ilo'irole A
hasr:e:n affirmed,th e s iet:
,t: i eitcoht:lreu families,inofi a 74,1000,13 :::e,
sinus of the Courts, 0:1800° "
1, may perhaps Se supposed that however I.°sert tion
life iA thc 3,t 'di auce—nowever • uuia
..,±lO .t 0 is. - A
and liable to error are the facts, and yet stringereage,"gerYl;
of law are the terms-of the declaration he'is scaled filtl-t that be
yet that by great care he may be able to- amnia a ,0f
mand, and escape without a forfeiture of his pollaaerodela al.
cannot do • for there -is something yet more deu:aeat I", stPaa'
before he 'becomes entitled to a policy—a-requirenpaloe:oo; -
the greatest amount of care, and prudence„.and 'Toes '2.'09,i ".
racy is of no avail. The proposer must give the %nos 'end it
,al attendants and two friends, each of whoa). Vstotellit 017:
to a long list of questions, .and the facts. 8-91.1' 0 Iteeti.d
received by the company, although the propoa'`estlP2o?
acquainted with any one of them, are yet asinued `I or In
warranty as his own. declaration, so that a wilt refsfee_.4,
error in answer to any of the questionsP put to tinted trs, ofis
as- effectually vitiate the policy as if had pre" toPietiiii
assured himself. We can make room for only one,.,.e*ge fain
similarprovisions
cas
cases,
at
nndoti
frogce
reay.iodeto&
Wilshere v. The Law, Life. Wilshere resided nea.r.,4o 89 P
ihwehpicrahcrieee osefia"'.tiiglfriellny a '‘lSbi'lli A
on several occasions had consulted a London paysi_cltieoo.ollff,
tgaovtehethqeuneasmtioena,n`d`
health, besides having the advice of a conntrY ICTA,le,.Paillof
a‘Ndlrresiss oy
came to' London to effect an assurance en his life, t,-tteav,h I ,
foutirieoLordnind=ony
pull,
yesdiicciaa'74'odigi,or;l;
report and that of their own medical examiner, t t rip
died, and his executors were defeated in is claim agslogiaer 010
pany . for the sum assured, merely,
the company were satisfied. Some ysars after tb.ast the .
because the name of the surgeon, and not that of tb" Or
eta
ought to have been inserted in the propoaal• tbe.rie
ojo ii,
In consequence of this state of matters,there aro Oll ..,
mind a general feeling of insecurity in Life AssurarlTatst4 0,1
increased by the perusal.of numerous cases occurring;ol !ofr
of law and reported in the newspapers, most of 1...000A 1
instance of assured parties against Life Companies, %ea ranc
them in which Life Companies were arrayed against amSlifte Pi •
The great desideratum was to make policies indfsean 0 diil
to remove all doubt, and dissipate very appreheusiv,oej
it be' Der
certainty of the scm assured being paid when
~ ate
whereby the publiagenerally would be benefited, arlu
3f Life Assurance march extended. 00140
" The Indisputable Life Policy Company" undert..„lol,4
and in order most effectually to mete the policies tua.aBeiv-
nal upon no .
.. ay ,
disputable and curtain documents of security, they bii, 0
following dense in their Deed of Settlement, tisereaero, , .
an effective and legal obligation, imperative upon the belt '• /,
.
fulfil, and which it is the right of every assured atelP
and insist upon : tt,
Clause 84. " That every Policy issued by the Cosor-..,„ t
indefensible and indisputable, and the fact of isszil'? 4
shall be conclnsive evidence °ilk. validity of the,P9 jot'
shall not be lawful for the Company to delay pay jell'
money assured thereby on the ground of ass error'' ).
omission, however important, n;ade by or on the part
'"`: oil
li
son or persons effecting such Assurance; and Ma'. uti r
trary, the amount so assured atilt .be paid at.the 10.00.,, e.
by the Policy, as if no such error, mistake, or omissl AO
made or di:covered." be,orto
We have said that the above claw forms a Part efatelfAltataa
Settlement of the Company,_ and that deed being :,ro:srar
terms of the Act 7 and 8 Vict.c. 110. there is nothiTneterlor
spectus or other circular, which may or,may
give it the fullest effect.- It is not merely to be r°ollloBear,
not be fortO 10;9'0
the Company, according to .circumstances,,but it Adestl
ponenapart of the existence of the corporate body 0 .epve ,
mise of indisputability is not enough. Such a daus9o two, 00
is revired to give legal efficacy. It appears to ''of cqtf volt
%VvarouPl
fully and anxiously prepared, for the purpese 010 000
every ground and pretext of dispute as, to tne oft fpf it:
Pulley; and we confess. that we cannot find any "osouthit fll
of sentences more operative, effective, or corePtgos oito
odseinvitlen
oonrrderreatdheersmtoorecoemffercatruealltyhistecieotspes.,
o:i.,
law as laid down by Sergeant Marshall
•in 20984
already quoted from that learned authoritY'colefo Jp
imitable clause says—" Every policy issued by the. 0/;;;;Ia,
t' tif ti 9 01,
be indefeasible and indisputable, and the fact of po ii, he
shall be conclusive evidence of the validity of theriiii,l aitteg,
Sergeant Marshall, speaking of the clause ordiPtorr jile'oo
policies, says, "-It is quite immaterial for what ri , 0,01.4,
what view it La.warrant] is made* but being oncetote; if. 011 ~';is
policy, it becAnes a binding condition on the as!, astraestaad
he can show that it has been complied with, le ~,t, (Kelt°
benefit from the policy." In other words, an iiredeLoo) fierily
when once issued, declares that, de facto, all pr-i, or tie V:cial,,it.
are held to have been finally settled,. whereas Irs'oi ~,e ',an°
declares on the face of it that the Directors reh'ey ha; tlr'4o`int,
keep all these questions open to dispute, until t'agSVOlol;eltrt
paid the amount of the policy to the executors. , the f hie rot
putable clause says, "-It shall not be lawful N'und° oiler,
delay payment of the money assured, on the ge) agDffias 0411
mistake, or omission, however important, road
an, ~4 0 00 al
of the person or persons effecting such insurarp,ealuanstSateat,,
Marshall, on the other hand, says, "The verY T;een :0111e
ranty is to preclude all question whether it
warrenbasted: el; eine
Complied with or not. Whether the thing _gains atfvfl
or not, whether the breach of it proceeded frornnerieeipaisPd 011.18,
tills-information, or any other cause, the corrs`e". tbe.oure„ et,r
—i.e, the policy is void." In the next Pla„„c so , stiCAr,;:i.
clause says that, "on the contrary, the sin`-'0 if si, Pi WV
be paid at the time stipulated by the policYt,overe_n•trec „it,
mistake, or omission, had been made or ductile c 0,.. fs cellr,i
geant Marshall says, " The warranty
.nialreswaaaarir,,,assa., eft:,
thetical ; that is, it shall be binding of thevar"r—anteuan'Y I°tie°rOf
with. The only question is, bas the thing 1 ,ste for 4, of
_,OO .0
or not ? If not, the assurer is not ansivert';',e brew 01.1:0048
rarity." Can anything be more conclusp l'he roil, ro,
the sueriority of the Indisputable P°llfA'ardine7e, bg ' lob' ech
though it did not happen in consequence 9.1:71,00 incbtr les,/
Policy settles all precedent questions—D._ declacoothr,o_o ~
them all unsettled. An Indisputable Polio; to the nis estly'olP
fact of its issue, that all questions reillti_npotrpao,Y tbee(7(l.A. •
age, &c., of the assured are, as far as.P.,' loveslidiscbartor ;a
set at rest for ever—an ordinary' PPlitcdraily bet
open to dispute, until the claim has %cony, 72,
London Indisputable Life Policy Co
.o
—Manager, ALEXANDER ROBERTSON

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6d. the Dregs'
Plain, best quality made.. 58s.
6d.
Tartan, ditto
•• • 5Ss• ,A ,to
Watered, ditto 685...• ore 13 3s
The above are the wide width. and Was
the Preis. __,, „eet•
H°Vet's"
60 and 62, corner
RACIIHRISTOIE
0T1414.0.717an

PrintedpPerorcp ana Published LeivlreEryitPTlELs: Ay gololN /4c,. A
,r.-street,
sTPAENADRASORND
GENERAL
.I:ftfiS,Toer;
• "
OFFICE,
No. 4, Sr. GEORUE'S CaEscENT,
Tuesday, September 25, 1855.

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