The Dorset County Express and Agricultural Gazette.
Dorchester, Dorset, England, 1859-12-27 00:00:00

MEDICAL FRIEND AND MARRIAGE GU IDE

THE WAY -TO HEALTH AND HApplsgss.
• 'YEN AWAY. as a stop to empiricism and
• exorbitart fees, for the benefit and private inform-
ation of Nervous Sufferers of both ACM•II, and those con-
templating Marriage. Illustrating an entirely new mode
of LOCAL SELF-TREATMENT, discovered abroad
by a high medical authority in these matters, and no
simple that all can practice for himself Privately, Soccer
fully. and at the smallest possible cost, thus avoiding
doctors' fees and their mineral poisons. This Guide
disrloses hidden mysteries and the wonders and life-
giving ellieftey of these new " CURATIVE REM&
DIM," achy their use all the functions upon which feli
depenthi are invigorated; the diseased secretions re-
ed, and the impared generative power re-established.
The principal nervous centres, as well as the at
delicate generative organs, are brought under the
immediate permanent influence of a mild system of
set' , which revivifying the mrvous system, the process
of rejuvenescense takes place, the virile power is
regained, and sterility. impotence. and all impedimenta
to marriage removed. The vital fluid, lost by early
irregularities, is also reproduced, and life again enjoys
its happy charms.
Toe Author, being aware that the English treatment
is entirely wrong in theory, has determined on present-
ing the above, free of charge, to all sufferers, and those
iiiterest in medical Reform, and he therefore adopts
this mode of publicity. .

Encloce two stain, for poatagc, and address W. Hill,
Eaq., M. A., No. 27, Alfred Place, Bedford Sq. London.
N.H. Clergymen and °tilers intercated in the welfare
of mankind will confer a boon by laudably assisting in
the distribution of these Curative Means.

The following brief account of Assurance Companies,
hum 1814 to 1856, ii taken from the Pod Mayo:foe Al.
uwatiel: for the present year :—Compauies projected,
; founded, 251 ; ceased to exist, )4;2 branch offices
opened. 47 ; changed places of business, 183 ;
mations, 11 ; transfer of business, 114; winding up in
Chancery, 37.
The fact above stated, that between 1844 and 1858
there had been 5311 Assurance Marlette+ imojected, 2MIS
etas.' to exist, and :t7 winding up in Chancery, pain-
fully demonmrates the want of an Adviser in life
as‘uranee matters. how tawny families tuust have
mitiered in the fifteen year., from 1844 to 1854 inclusive,
from basting placed their money for a deferred advan-
tage in one of the '..1t8 ntliee4 wh.ch ceased to exist, or
the 37 offices which were winding up in chancery.
_ . .

It is surprising that such • state of things Isis not led
the Government to take the matter up. and grant life
assurance policies as well as if. annuit.es ! There are
life iiesurance institutions which could compete even
with the Government afford an equal security, and
give a greater advantage to the holders of their policies
Hut, beguiled in every town by the interested agents of
questionable companies, and dazzled in every pamphlet
mu newspaper by their brilliant announcements, how
is a person unacquainted with the subject to estimate
the advice given at its proper value, and make a
judicious dollop
It is most important to remark, that money paid as
premiusu Oil an insurance of a life is all outlay essentially
differing (rum other invested capital. If an Assurer
4.4114 the safrity of an Alice in which be Miami his
life lie cannot dispose of his interest, nor, in order to
test its soundness, leave for an unlimited time tlie
premiums he has already paid. One premium paid must
1.., made good by a further equal payment yearly, or by
the terms of the policy the assurance becomes void, awl
all tliv pre 11l i t tuts paid upon it forfeited. It is a well
known fact that premiums to the asuoubt of tens of
thousands of pounds annually are wholly given up by
individuals in what are called " Imam' policies." It is
also known that there are life assurance societies which
are kept in existence principally by the profit made by
these same forfeitures : nay, without a Wieder, of
remorse or shame, their Directors look forward with
delight to the minimal harvest of lapsed policies, and in
their printed annual Re1,,,r5 boast proudly of the profits
which have thus been in e. As MI illustration, there
lie before us twoyrinteil uncial Reports of one Society,
of the years IS., and I :et, from which we extract the
following passages vertex in.
From the " Annual Re rt of Directors, 114.17 :"
" Three Policies, ass ring 13,0110, upon which
£214 Bs. 4,1, hia.l been received ii, Premiums, were
surrendered for 1.:22. paid ; mid 138 Policies,
a,suring 1:39,145. la. Oki. have lapsed, the Premiums
received mem which amount to E2,7:10. its. 2d."
From the tonne Society's Report of 1858 :

" tlx year terminating on tlie 2.th March last,
180 new Polcies were iie.tied. asauring £..19,020, and 3:1

l'ulicies, assuring, 1:4,:t49 became claims. or were bur.
rendered at a co 4 to the Society ot r 2,195. ss. atm!
197 l'olicies, assuring 1:40.873. Ithi. 0., and upon which
the thniety had received in l'retuiums E. 1,1199. 19s. Od.,
became 1ap5..41." .

Thus within two years U. policies, assuring etio,ol9
tkl., lapsed ; aiol the SUM of 1:5,W29 19s. 2si. which
had been paid in premiums, was wholly forlcitedto this
one Society. _

From' another Society's Report of the present year we
extract the following paragraph entire :

- .
"The present income of the Society does not by any
means indicate the t of lousiness that has been
transacted since its formation, loving to the number of
Policies which year by year have become lapsed ; but
the 1/irectors are happy to Ante that although a
diminution of income has been thereby caused, a large
profit has been realized. The aunnount received in
prciniutua in respect of such Policies having been more
than sufficient to pay all the claims that have arisen
aince the formai tttt of the Society.

If the secrets of souse schemes denominated life
assurance institutions were fully known, it is but a mien
stretch of truth to say that, in certain insurances, the
terms " life assurance odic." and " gal ii ill g-huuse"
would be q Damns. A gaming-house of the worst
description, where not only each party continually bets
beyond his means, but where • crafty man has at his
counnand the t seiluciva truths to aid him in entrap-
ping the unsuspecting. The well-practised Director in
Agent salutes MI anxious father of a family with the
reproach, " Why insure your house and nut your life ?"
and,—but in more guarded language,—" I'll bet CLOW%
payable at your death, that you can't pay E'3o a year so
long as you live; and I'll pay you during your life-time
a liberal interest for your money and cell it Bonus, in
the bargain." The anti 111 l s man accepts the challenge
, and pays the ; hut if he should live twenty years,
, the chances are 20 to I in favour of the 011 ice. Illness
' overtakes the poor man --he is confined to his bed—his
wife in her anxiety for her husband forget. the policy,
and lets the time for payment pass. The Directors
chuckle—the time for making good the premiums is
past—the policy is lapsed. The ten t sCM the pour
man paid is wholly forfeited. The Meeting of " the
Society" takes place, the surviving policy-holders are
congratulated on the large amount of profit which has
thus been made ; and a vote of thanks to the Board,
with a handsome pecuniary payment for their services,
completes the annual prooeetlings.
There are life assurarce institutions, the liabilties of
which severally amount to £3U0,000 and upwards.
whose accumulated assets, after having been in oper-
ation many years. do not amount to ild.ooo, with an
income from all sources of little more than half that
sum, and 1:6,000 • year expenses. But with well paid
active agents diatributed in all directions to enlist new
assurers, these Mikes continue to exist by the re-
linquishment of claims, and the involuntary contribu-
tions made to them in " lamed policies."
This iitate of things should not be permitted to
continue. Life Assurance in it. present extended
applicat is a new institution, and many matters of
detail between the Societies and the Assured require to
be reformed. This can readily be done to the increase
of the stability of Life Assurance institutions, and the
equitable adjustment of the matter aa regards afturerii.

The following is the only equitable way of dealing
with the important question of " lapsed policies."
And all well established life institutions would be
benefited by adopting our suggestions.
Life Assurance societies purchase the surrender of
their existing imlicies alter a fixed number of premiums
paid. That which they thus purchase is known as
the surrender este.: of the policy. This surrender value
represents a coin of money paid to the society beyond
the amount re.luired, according to their own calculations,
to recover the risk they had susteineil. - Let it now be
assumed that a life policy in a sound office with three
premiums paid upon it possesses this surrender value.
After the third payment the society weekd buy off
their responsibility. They had received a full equiva-
lent for the risk they had borne in the difference
between the surrender value and the total of the
premiums paid ; and with the lapse, or surrender, of
the policy all risk on the part of the Office mesas.—
The present custom however is, if an assurer fail in
1 payment of a premium to forfeit his entire interest in
the policy, including this surrender value. This is
clearly both inequitable and unjust! The policy
i having once acquired surrender value that is absolutely
I the property of the assurer, and should be payable to
him on demand at any time notwithstanding the
lapsing of the policy. Every assurance society there-
fore should fix and publish the number of annual
premiums they require to receive before their policies
acquire surrender value; and of what proportion of the
premiums paid such surrender value should consist.
With these and many other facts within our know-
ledge, we offer our services to intending life-usurers
until sonic more reliable Beacon shall li7esest itself;
and we pledge ourselves to thorn whu apply to us that
we will guide and direct them into the safest channels
fur the investment of their money.
DAVIS k CO.
1, Finch Lane, CombilL

Best Walls-end Coal
„ Steam ditto .
„ Tenby St • Coal
At tke Great IVestera Railway Salami :
Maiden
Newton. Dorchester,
Best Radstock Coal 100.
Small ditto
Ruabon Coal ls. ld. la. ld.
Hullo ditto 1214. 121 d.
Cohn
BEST TABLE SALT, and BROAD SALT for
MANURE, delivered at any Station between YEOVIL
and WEYMOUTH on reasonable terms.
The very beg ROMAN, PORTLAND, and BATH
CEMENTS. BRIDGWATER TILES, As.
Coal not paid for on delivery will be charged ld. per
cwt. higher than the above prices. But if paid for
within one mouth, Is. 3d. per ton discount will be
allowed; within three months, list. par ton; but if
not paid for at the elpiration of three months, no dis-
count will be allowed.
Dosch WATER COAL CO are also IMPORT-
ERS of FOREIGN and COLONIAL TIMBER and
DEALS, WELSH SLATE, Ac., Ac., which they are
NOW SELLING at VERY REDUCED PRICES.
All (Mods will be delivered, if required, at any dis-
tance, on the payment of reasonable rates for carriage.
Orders addressed to Mr. WILLIAM L'Homige, the
Company" Manager, Fordingtein, Dorchester, will have
immediate attention.
November let, 1559.

TO BE PUBLISHED, BY SUBSCRIPTION,
ANTHEM, (Verse sad Chorus), with
ORGAN or PIANOFORTE Aiseorapentment ;
the Wonts taken from the 214 PSALM! : "The King
shall Rejoice." The Music composed by Joss TUL-
LIDOS, Profcsmr of Singing and Harmony, Liverpool,
and bile Conductor of the 91 eynionth Harmonic Satiety.
Also, by the same Composer, "A CHILD'S Lea?
WoliDS To IT. Mortinta,"—Four-part Song.
Price to Sulawribers : Anthem, vs.; Part-Song, 94,
Non-Subscribers :—Antheio, 3s. 6d.; Part-Song, Is. 64.
Subscribers Names will be received by Hr. 811.01111,
Evershot, Durclie‘ter, or by Use Composer, 24, Perron.
street, Edge-hill, Liverpool.

A BOON TO - NERVOUS SUFFERERS.
GIVEN AWAY.-26,000 COPIES OF A
MEDICAL BOOK, for the benefit of Nervous
Suiferers sent, post free, by the author, secure from ob-
servation, on receipt of a directed envelope, enclosing 2
stamps, the PRIVATE MEDICAL EMEND, a sew
work on the self cure of Nervous Debility, Loos of
Memory. Dimness of Sight, Lassitude Indigestion,
like to Society. kc., which, if neglected, result in con-
sumption, insanity, and premature death, with plain di-
rections for perfect restoration to health and vigour.
" Every young man should peruse this excellent little
work, it he values his health, happiness, and pease of
mool.--British I citic. . . .

The true guide to those who desire a speedy aad priests
cure. By HEN KV Salta, Esq., 8. Burtoweresceat,
Tavistockosivare, London, W.C.

IZIULL PARTICULARS OF AN EXTRA-
A: ORDINARY DISCOVERY for the cure of Nee
roux Debility, Luse of Memory. 1)i111101514 of Sight, L.
sitwle, Indigestion, Dislike to Society, Impediments to
Ac., sent free, by post, for one stamp. Ad-
dress, Mr. BARNES, Clareitiont-place, Judd-street, Lon-
don, W.C.