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London, England, 1852-06-10 00:00:00

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[PRICE SD.

the manager of this company was not only manager
Of the life assurance department, he was manager
of the guarantee department also, which rendered
his task more than dcubly difficult, for it was much
easier for him to go through twenty life policies than
two or thi4e guarantee ones ; and as one third of the
business of this company was in the guarantee de-
gpraarntuited enot,nthaant would give them an ides, of the amount
of his duties.
For
athdeywhheand
average
th3eo pastpolciies twoa
wweeeei,k, n
s
the manager had to sift all these, in addition to his
wellother d
occupied.uties,n oßoonte
ncootu
onlyld say
theirbu t
respectedth a t h.is timema
manager,
a gwears,
but their whole staff of officials,
ad-
mirably, and he therefore moved a vote oflr dhuatnyekst:. LtnweLn
resolution,secondedthedidth:
thei\tinr.
which het and in
doing so paid a high compliment
for the efficient manner in
motion, on being put from the chair, was most
performed his
duties.
The
cordially agreed. to.
Mr. SHERIDAN acknowledged thecorn Plirlae
forf thek
said—Mr. Chairman and Gentlemen, I have toliiiia inie
you on the part of myself and my colleagues
unanimous manner in which you have passed the vote
last submitted to you. Certainly it is true, as Mr.
Webber has stated, that I have contributed somewhat
towards the formation and progress of this institution.
I certainly have done all in my power to extend its
relations in every way, to develop its resources, and
to carry a knowledge of the peculiar features that
characterise this company throughout the whole of
Great Britain.—(l-lear, hear.) I say Great Britain,
because we have done a large business in Scotland, .
which is of an increasing character, while we are
beginning to do business In Wales, and further '
even than there, that we have extended

our operations to Germany, and with considerable
success.—(Hear, hear.) Sir, I can assure the meet-
ing that the duties which devolve upon the manager

of an institution of this sort, and the care and anxie-
ties that are attached to his office are, under the bast
circumstances, of an arduous character.; but when the
company has to be formed, when the business has to
be created, and when the features of a new system,

such as the combination of life assurance with mu-

:ual guarantee, have to be introduced, and to be ac•

knovviedged by the commercial world—when share-
holders and policy-holders have to be obtained, and
_ _

often satisfied after obtained, together with a thousand
other cares, these difficulties and labours of a gentle-
man in :such a position become greatly increased, and

cannot for a moment be compared to the even tenor
of that very agreeable way exhibited by the managers
of institutions more time-honoured than " The

z.

Die(;;REATItNING -:
• ~,
nye Firs-NatClll
Louiso tj, a
-,._- -
Impttuity is sail'id co beget insolence... i n soien PRESS,ce, and that
LOUIS NAPOL
shltaeisntlthiiansotimtts'a'ftn
as wo find new proof in the
First
Honsul's
uncle's
failings; andbis .aueincoln9g6sgt thlieju;e'
'inability to discover where it is wise to stop.
overrun Italy and Germany, the uncle ventured avpoltig
Russia: , hasing fleeced France of her liberties, the
ne-
phew ventures upon something very like instelC tbEnglish-freedom. The gagged press of France fihs help_
less at his feet---and now ho eeeks to intimidate thq frepress of England. On Tuesday, the agent of the Fiench
pelteeaveho-bas under his special charge the newspapers
of France, sent for the Paris correspondents of two or
three of- the London daily papers, that be might com-
municate to them the future intentions of Louis Napo-
leon towards the English press. In performing this task
the agent, M. Latour-Dumoulin, is described as bringing
the manners and language of cultivated life to bear
upon the work in hand, evidently in order that its real
character might seem lets abominable. But tyranny,
however bland, is still tyranny, aed in this case there
was no room for mistake. In his interview with the
correspondent of the Daily News, the first intimation
M. Dumoulin gave was, that what ho was about to
state must be regarded as an official notice of the
French Government. He then went on to say that th©
English newspapers had been outrageous towards the
President, and added that in all future cases, when
anything offensive appeared in the columns of an Eng-
liah newspaper, its representative in Paris would be
made responsible for it, and be forthwith expellee from
France! Astonished by such a threat, our cotrespoh-
dent replied:—
"That if the French Government made the Paris corre-
spondent of an English paper responsible for whatever
appeared in that paper relative to France, it would act
neither according• to the principles of justice, law, nor in-
ternational usage. It was known that the responsibility
could only lie with the editor of the newspaper in England.
A correspondent formed no part of what the French call the
redaction of a paper. He was a private person, who sent
confidential letters,, the responsibility of whose publication
he had nothing whafever to do with. The remedy of
the French President lay clearly against the news-
courts of ' law, or lay a diplomatic complaint against
paper, which he might either prosecute in the English
coma to the same thin only in the latter case the French
Government mg;
.. .
authorities responsible
With Use English Government, which would, in point of fact,
would hold the English
for the prosecution
had recently followedof the
Belgium. When the
Prince President's
editor of the ne
such a course in
~_ ,
uncle became emperor, he was attacked
with violence by a means of redress.
paper. The French Gov. rnment
IL. ,-,...a a • . paper, and he took this
information to be filed - against. the
Mackintosh. The
accept the theory of e
of the newspaper to upshot of the affair was the condemnation
consider
wspaper, who was defended by Sir James
considerable damages. AL Latour-Du-
moulin answered that th
liable, he says, for what an Louis Napoleon
coerares
French Government could not
irresponsibility,"will hold
has no more influencea
lurnns of the paper he writes for, over
of his acts, although he knows
neditor in England may say
But P
thana r
~i s 0
ver the correspondentiioygi
perfectly well that a cor-
respondentthe
impotent ina°Lto t b e
the leading
Gazette at at Sr. Petersburgh,
pondent is in
the President's jurisdiction—the the editor is beyond
threatens
thoiswrpeoawkert;heandso
vengeance upon
offend him by telling truth. In therelc h oldthose who
rcus days a similar despotism wasoffert. barba-
Many a successful tyrant has murdered, in cold blood,
blood'
the wife and children of an opponent who was
or
roach, and now one man is to be punished in Paritatbe-
of
be-
cause another is troublesome in London. Was there
ever a more unblushing stretch of power than to make a
man responsible for that over which he has no control?
Buthaving, fora time, succeeded in stopping freediscus-
sion in France, the hero of the coup ditat seeks to force
the meshes of his tyranny across the English Channel.
His agent talks of dissemination of "false news;" but it
is not false news that offends, but true. Is the story of
the coup d'ltat "false news?" Is the tragedy of the un-
armed Parisians shot down by thousands in the streets
in December—is that "false news?" Is the list of emi.
nent and patriotic Frenchmen exiled from their country
" false news?" Are the groans of thousands transported
without trial to Cayenne—are they "false news?" Are
the refusals of the best generals and statesmen of France
to take the oath to Louis Napoleon's Government—are
they " false news?" Are the decrees ordering the spo-
liation of the private property of the Orleans family
" false news?" Yet these are the things that have made
the free journals of this country couple Louis Napo-
leon's name with those terms that make him anxious
to expel English writers from France, and these are
things let him remember which have become par; of the
sad story of the fine country he now holds in bondage.
If no other nee s came from Paris for a century, hero is
a catalogue full enough of texts for volumes of written
condemnation. But does Louis Napoleon think it pos-
sible for him to expel every Englishman from France?
Beer:use until he does so he may rely upon it the Daily
News and the other London daily papers will have in-
telligence of all that happens there. If our present cor-
respondent were expelled to-morrow we have another
ready on the instant to fill his post. Let him expel a
second—and a third will spring up. There are French-
men, too, vs well as Englishmen, ready for such emer-
gencies. If the President carries on this system, as each
writer is expelled he will find "another and another
still succeed." Faithful to the laws that rule ether things
the demand for men ready to carry on the important mis-
sion of the Press will secure a supply. We shall, therefore,
despite police arrangements, be ever able to learn the
truth abeut what is being done in the capital of great
and enlightened, but now enslaved and unhappy France,
So long as this journal is feign ul to that cause which it
was founded to promote, and from which it has never
y. t swerved, bo long will no threats and no fear of
consequences present it from speaking whet is known
to be the truth. Foreign Governments shall he sub-
jected in its columns n, the same free and wholesome
criticism employed in discussing our home afrairs. The
sins of the Elyt63 equally with those of Napl,s or of
Russia shall be denounced as fearlessly end openly as
they deserve to be, and tyranny and injustice shall still
be called by their true acmes—tyranny and iejustice—
arid nothing less. We wish to say nothing that is
false—we will never conceal anything that is true. In
England wo have the great privilege of enjoying that,
freedom of the press which Milton claimed, and which
so many have since suffered to secure—a freedom of the
press subject always to the law. That law, if we say
aught illegal or wrong, is ever ready to do justice to
the really injured; that law is open to Louis Napo-
leon as it was open to Nepoleen Bonaparte. To it
wo owe respect, and by it we are ready to
abide. But whilst we enjoy this wholesome
liberty of the press, the hero of the coup d'etat may rely
upon this, that though truth may be strangled in Paris,
and may bo whispered only in Belgium, it will yet no
told fully and aloud by the press of London. His po-
lice agent talks 01" false news." This is the old sham.
" Fele news" was the plea when Charles 11. put down
the press that had grown up under the commonwealth ;
"false news" was the excuse under which James 11. of
England, and Charles I. and Louis Philippe of France,
commenced their persecutions of the press. es
.out the's()
three kings were ail ovetthrown by the very victim they
selected for their insane wrath—newspaper, „,ere too
much for there, as each had leisure to discover in -
exile.
And why? Because the press in its integrity has bp'
come a necessity of modern civilization—because i
cause '-
n its
integrity it is a thing the world daily wants and want-
ing will have. Prevented from freedom of
narration
and freedom of criticism its integrity is gone, and it
becomes a dead, gaunt, hollow shenaeelli,,
this hour in Paris. And with such a - the press at
"II
S
modern civilized people will not long CS,. corpse a
of his predecessors—fat:dui ooftruth —waged, for a while
he
content.
Two
successfully, a war of intolerance
Napoleon knows their fate. . with the press. Louis
—.- --Elcule, hews.

Times."—(Hear, hear.) For a certain number of
years with a young office it is one long striving for a
name—one great effort to inspire the public with con- '
fidence for an institution, which, if not new, is cer-
tainly but young. Then the capital has to be spent
in what should seem stock in arranging the machinery
for future operations ; and if experience be worth
anything—l mean that experience which is afforded by
the elder offices, the features of whose early efforts
resembled ours, and whose maturity has been so
prosperous—then, I say, ;;we are taught that such
efforts and laying in of stock must, if accompanied
with a little patience, become abundantly productive.
The first stage in the progress of assurance offices is
the third year, the probationary period—the trial
period, as it is termed, being the first three years. If
there be anything unsound in the constitution of an
office, if there be anything wrong, in its system, if
there be any weakness in any part of the fabric, the
first three years invariably develope!, it, and the ulti-
mate fate of the office is determined. do not mean

that if your tables are wrong it could be found out in
that time. I do not mean if you have taken bad
lives, or that you have had none at all but minor
evils, pulmonary disorders, an incomplete share list,
dissensions at the board, or dissatisfaction among the
shareholders—for this office has passed with safety
this narrow channel—and the consequence will be
that the next year in the history of this company will
exhibit a still more marked increase in the
amount of business done and in the in-
dividual amount of the policies effected.
Indeed, as allusion has been made to the probable
increase of our income, I will prophecy that by the
next annual meeting of the shareholders the
income of the company will be approaching
14,000/. per annum. It may seem ha-
zardous to indulge thus boldly in such an anti-
cipation, but I do so from the knowledge I have of
the resources of the company, of the new sources of
business opening up to our view, and from the ener-
getic measures we have taken to carry a knowledge of
the principle of lite assurance into the rural districts
of England. Sir, I think I may say that the turn of
the third year has already caused a marked increase
in the general success of the company ; for I see by
the supplemental balance-sheet which I hold in my
band, and a copy of which I believe each shareholder
is supplied witb, that in the month which has elapsed
since you closed your third financial year the office
has received in cash, from premiums, shares, &c., the
'
very large sum of 1,7961. Again, I have caused the
y s operations with
s issued to be rlasestpeeeitghtet
thweeeknsumofbet
Irienfcopmelpieie
sn
ex-
tracted, and I find that in the first of the eight weeks
twenty-seven were issued, in the second twenty-two,
the third nineteen, the fourth seventeen, the fifth
twenty-five, the sixth thirty-one, the seventh thirty-
seven, and the last week thirty-three, making an
average of twenty-four policies a week. The idea of
the elder offices was that two/policies a week would
be sufficient for prosperity, so that if we can go on as
We have begun there will be no question,
I should think, about the success of the company.—
(Hear, hear) Mr. Webber has referred to the pro-
posals averaging 30 a week, but I am now speaking
of the policies actually completed, paid on, and issued.
We have bad proposals for double that number, in-
deed no less than 40 a week have been laid before the
board most frequently, and on the average a third
have been declined. Still the same trouble is neces-
sary to investigate declined cases, and 2,0001. a year
has this year been refused. Allusion had been made
by Mr. Webber to the guarantee department, and
as a great deal has been said about life assurance and
little about this department during the meeting, I
should like very much to call your attention again
to the passage in the report which bast reference to
guarantees. It is this :--
"The system of mutual guarantee, practised and first
introduced by this office, continues to receive the
warmest approbation and support from the leading rail-
ways, banks, public institutions, and commercial houses;
and your directors have no hesitation in say ing, that
such a system, combining, as it does, the interests of the
party guaranteed with the interests of the company, must,
when it becomes universally known, obtain universally
the preference over the original system of guarantee.
The -combination of life assurance, endowments, an-
nuity policies,
&c., with guarantee bonds, which this com-
pany was one of the first to practise, has ;also met with
considerable favour, and your directors are every year
more of the opinion, that a principle by which each year of
honesty to a party guaranteed becomes one of invest-
ment and saving, is not only the correct system, morally
speaking, not only the most judicious and saving system moat
-
to the guaranteed, but, at the same time, the pro-
fitable one to a commercial company."
Sir, .1 quite concur in every word which is -here stated
From what I have remarked in the progress *
of our
guarantee department, I am
convinced that the
time is fast approaching when public guarantees
will become universally adopted in the lead-
ing commercial establishments of the country,
though I am astonished to find it is as
tively unknown by many first-rate houses.yet compare
of opinion, however, that when it shall become lam
fully
known and understood, the few guarantee com-
panies in existence will be overbalanced
some of our directors and friends who b There are
public guarantee has a higher mission, stillelieve that
be-
lieve that, through the means of these s they
oci
moral and social improvement will
be effected
a great
crime will be diminished by limiting effected ; that
to crime, that the temptation is the temptation
strongly restrictive and precautionaryessened by the
re-
quired at the hands of the employers, measures
and by which
means the lax and inoperative
force will be crushed and altogether system hitherto in
the system of this office the
active and increasing interesl)a'rtsguaranteed has
.an
in-
asmuch as each year of honestyln
his own honesty,r
n
vestment and saving, the becomes a year Of
being divided amongst
the
erofits of this depti..re
as-
surances, combined with guaranteed
. and life
dpolicies.
The result of all this their guarantee
cannot fail to ameliorate in a
great degree the general condition e classes of
the people.—(llear, hear.)
The auditors having' tad, and a vote of
been re-elected,
thanks having been given the meet-
ing,g-ven to the Chairman, .
which had been-1 0f a most satisfac-
throughout
tory character, then

Ad.
tre
1:2p07
2'
The Queen's:TeullpEan
e2;l3VSe:se ar e designed
by fir. Cotterill, and executed in silver by the Messrs.
Garrard, of the Ilia rna:ket. The Queen's Cup is a group,
the subject of which is taken from the first Manz" of
Spneer's " Fary Queen," where the "gentle knight "
encounters the lady mounted " upon a lowly „,ase more
white than snowe. '
This shbject has not frequently
been treated, either in painting or sculpturc,tbough itform
possesses most of the ingredients calculated to
handled it
an attractive composition. Mr. Cotterill has
and
in a striking au(' • . sqlle manner;
picture
dal
shape to his
while he has secured the pyrarobt
ors of it with great
group, has disposed the several members
three animals, the
Judgment. The introduction theofforms an agreeable con-
horse, the ass, end the iamb,
is in some parts trast. The surface of the silver i 3
d.nri.med; but this
bur-
nished, aud iu oth,,rg froalit„iie general effect, and has a
is done without destrojing
The Emperor's Vase is a can-
very pleasing appearance. .
n , the base ornamentd
delabrum, 3 feet 6 inell to heighte
h subject of ihis
with a composition of t,,,g.., Thomas the Rhymer." The
taken from Sir W. ''',l°i,, group is whole Thomas meets
incident depicted in.,tiing down by the lid
tree." The
the " lady bright,
treld' b„ndipg his knee, doffing his cap,
rl'iYmer is reproend The whole effect of this piece of
and hailing the lay'i beautiful. The branches for the
plate is extremely
arum tie composition beneath,
lights rise gracefully übstantial but extremely elegant base,
which forms a 3
sanimals being designed with Mr. Cot-
the figures , e
antaiem..
torill's usual 1
ca Hunt Ct:p is designed by Mr. A. Brown,
The 11°,- dby Messrs. Hunt, and Bushell, of
in tscture
New anußond-street. It consists of a tazza-formed
•"°°7 t d by broken and entangled birch and
cup, supper.e . .
taken from the
beneath which is a group s.
fir trees, "r - Fugitive," by William
~, of the ihssian
the hunter
Poe— th The group rtpresents . .
‘Vordswor •
death, when the fugitive
at the moment of the stag's
exci,,ims ~ 1,
rushes forth from her retreat and ~ .
maiden rus .
pursued by destiny." It is a
behold a stricken hind
me • d rtlbscts credit on the
e racing plate, uu
very h it has been executed
• r and the firm bY " om
designer
in silver.

rADVERTISEMENT.]
Pu Barry's -delicious Food cures Indigestion,
dyspepsiconstipation, nervous debility, and nervous, bilious,
and liver complaints, in all their varied forms, with spasms,
cramps, acidity, headaches, sickness, depression of spirits,
&C.—Extract of a letter from Cure No. M,418 : Major
cured of H.M.S., 14, Buckingham-street, Strand, London,
two years liver complaint and inveterate diarrhoea,
with total prostration of strength, which had resisted the
best treatment in India and at home."—Sold in canisters,
suitably packed for all climates, and with full instructions:
Ilb. 2s. 9d.; 21bs. 4s. iAI.; 51bs. 118.; 12Ibs. 225. ; super-
refined, 51bs. 225. ; 101bs. 335. The 101bs. and 12lbs. car-
riage free, on receipt of poet-office order.—Barry Du Barry
and Co., 127, New Bond-street, London; Fortnum, Mason
and Co., 182, Piccadilly ; Hod
street ; and all respectable grocers and chemists.
Hodges and Butler, 155, Regent-
SUlClDE.—Yesterday morning
a female, named
Charlotte Law, aged fifty-six years, expired in Guy's Hos-
pital, from the effects of a severe wound in the neck, which
she inflicted with a razor at her late residence, No. 35,
Hunter-street, Dover-road, Southwark. The deceased had
been in great distres.,s for a considerable time, which no
LlQUbt caused her to commit the rash deed.

POLYTECHNIC 17'''.."..----------.l.—The latest
ROYAL roLYTECHNIC IPSTIVITIin
the
musical de-
addition to this establishment has
pertinent, in which Madame Bregiare
been in
a series of
a French song, a
national ballads, the chief of which2ived with great applause by
German melody, which wasi:_hr—ba--llad, by Linley, " I cannot
the audience, and an English hi 18,4 has a pleasing and
mind my Wheel, Mother.
agreeable voice and manner, .Twhichs appeared to be duly ap-
Tne chemical professor, Mr. J.
pleciated by the audience.
. Pepper, will deliver I!
Fermentation, withlecture on Monday next " On
especial reference to the Bitter Beer. of
ruongst which, by a curious coin-
ten Burton Brewers," ~,,,-,--1 that of Salt, who .it .one of the
i cident of zanies, IsrCilace.
euliamt broligo 911'w