The Sun.
London, England, 1850-11-26 00:00:00

DISPITTMD larz POLZCIE3.

" A trial of considerable interest to Life Assurance Offices and the
public was concluded yesterday in the Court of Exchequer. The
Endo Company held a policy for an assurance of 539/. in the Albion
Company as security for an advance, the payment of which policy
was now disputed by the Albion, on the ground that at the time it
was effected the fact of the assured party having been a man of in-
temperate habits was concealed from the office. Ihe chief evidence
turne 1 upon the question as to the degree of intemperance that had
been exhibited, and the result was, that a verdict was given against
the resisting office, not only for the amount of the policy, but also for
407. interest from the date when it became due. The circumstance
of the action being brought by one office against another presents a
striking illustration of the uncertainty which may attach to all po-
licies under the present system, and shows that the only mode by
which absolute security can be obtained by the public must lie in the
general adoption by Assurance Offices of the plan of prote-ding them-
selves in every case by due inquiries before the gr zntitn. f each po-
licy, and of afterwards assuming the full responsibility of the com-
pleteness of such inquiries by holding themselves precluded from
raising any future question. In the present case two offices are
found to he diametrically opposed in their opinions as tc what can
properly invalidate a claim, and yet the public are expected to be
able to guars themselves against such contingences. Similar cases
have occurred before, and even if they were more rare, they would
seriously injure the progress of life assurance. The very principle
upon which the business is founded is the removal of uncertainty,
and whenever that principle is counteracted in the slightest degree,
the people who would be the first to resort to its advantages are the
first to be deterred."—Times, July 11, 1850.
PO
THE LONDON
LICIYNDISPUT ABLE LIFE
COMPANY
No. 72, LOMBARD-STREET, LONDON.
TRUSTEES.
Car Abell 'Renton, Esq., M.P. I Richard Spooner, Esq., M.P.
Richard Manus, Esq., Q.C. James Fuller sladox, Esq.
William Wilberforce, Esq.
DIRECTORS.
William Adams, Esq. Robert Henry Forman, Esq.
iohn Atkins, Esq. John Hamilton, Esq.
:lenry Augustus Bevan, Esq. James Fuller Madox, Esq.
f. Thompson Bramwell, Esq. John Matthews, Esq.
John Dangerfield, Esq. C. Octavius Parnell, Esq.
AUDITORS.
leorge Cumming, Esq. Janes Turner, Esq.
William D. Starling, Esq. David Henry Stone, Esq.
SECRETARY—David Alison, Esq.
BANKERS—The London and ,unty Bank
PADDINGTON LOCAL BOARD.
24, Connaught-terrace, Edgeware -road.
Rev. James Sherbold Boone, A.M., Stanhope-street, Hyde-park.
captain Creed, Norfolk. crescent, Oxford-square.
Charles Pemberton, Esq., Eastbourne-terrace, Hyde-park, and Lin-
coln's Inn-fields.
Chomas Jervis Amos, Esq., York-street, Portman-square.
George Y. Robson, Esq., Eastbourne-terrace, Hyde-park, and New-
square, Lincoln's Inn

Secretary, Chas. Hogiston, Esq.
The POLICIES of this Company, being INDISPUTABLE, form
'amity Provisions and Negotiable Seoul'lti, s, for their validity is not
.ependent, as in the case of ordinary Policies, upon the import of
previous reports and other documents.
Owing to this important improvement in the practice of Life As-
•urance, the progress of this Company has been mold from the com-
mencement of its business, and is steadily advancing.
Copies of the Report of the last Annual Meeting will be forwarded,
m application, to Solicit ALEXANDER
to whom Commission is allowed.
ROBERTSON, Manager.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
8, NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURVI ANNUAL GENERAL MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
Office, at One o'clock precisely. The following is extracted from the
report, which is too lengthy for publication:—
During the past year no claims have arisen from deaths in Englar.::.
and but two in Ireland—one for 500/. and the other for 280/.—making
together 7007., which have been paid. This is far below the expected
mortality, and is especially favourable, when It is remembered how
,everely the life offices generally suffered from the epidemic of last
year.
The number of lives assured between the Ist of June, 1849, and
the 31st of slay, 1850, was more than double the number issued in
the twelve months preceding.
Prop ,sals were made for 138 Policies, amounting to 52,9637.25. 6d.:
of these 12 1, comprising 106 lives, were accepted for 45,1251. 6s.
.sixteen Policies lapsed, representing 6,0481., upon which 3201. 3s.
was received by the Company in the shape of premiums.
Since the c mmencement of the Company to the Ist of June last,
Issuran-es were effected to the extent of 110,972/. 12s 61., pro-
fucing in annual premiums 3,732/. 118. 6d. Ot these 54 lapsed,
mounting to 23,920/. Its. 6.1., of which the annual premiums were
741/. Is., leaving the yearly income on the Ist of June last equal to
2,991/. ss. 11d.
since last meeting loans were applied for to the extent of 17,700/.,
but 1,183/. I Is. 10d. only was advanced.
The Directors were also highly gratified to report that within the
et four months they had considerably extended their business on
the Continent, having appointed, as Head Agent in France, Monsieur
de l'Etang, a gentleman of high standing in Paris, distinguished for
his integrity and ability in financial and in all assurance matters,
who. under the sanction and patronage of the Archbishop of Paris,
the Cardinal Archbish 'p of Lyons, and Monseigneur Parisis, Eveque
de Langres, has already within the last three months effected a con•
siderable amount, of business, not only in Life Assurances, but in An-
nuities both Immediate and Deferred.
After various' resolutions, approving of the Report, and returning
thanks to the Right Reverend Chairman, Bishop Morris, the Vice-
Chairman, Actuary, Secretary, and Medical Officers of the town!
meat, the meeting separated, highly gratified at its present results
and future prospects.
ICOTTISH WIDOWS' FUND and LIFE
ASSURANCE SOCIETY.
Founded A.D. 1815,
Constituted by Act of Parliament. _
Invested '_lapital.
TWO MILLIONS TWO HUNDREDS. AND FOUR THOUSAND
POUN
Which is the sole property of the Members of the Society.
The Society's affairs are invested septennially.
The effect of the additions male to the Policies may be judged of
from the fact that, in the case of the original Members of the Society,
there will be paid undei' each 1,000/. insured, in the event of death,
atter payment of the premium in the year
thus showing on the ori-
-1850.. £1,990 7s. 5d./ a Bonus oil 99 per cent.l ginal sum
upwards of insured.

052.. 2,062 14s. Ild. •••• 106 ..••
To the repre.entativel of the original member who may die in the
year 1852, aft,r the payment of the premium applicable to that year,
there will thus be paid more than double the amount of the original
insurance.
N.B. No Member is entitled to participate in the profits of the So-
ciety unless the Policy be of llve years' standing.
The Books of the Society close for the current year on the 31st of
December, and Poldes effected before that time have the advantage
of a full year's standing over those delayed beyond it.
HEAD OFFICE, EDINBURGH. 5. ST. ANDRILW-SQUARE.
JOHN MACKENZIE, Manager.
LONDON OFFICE, 4, ROYAL EXCHANGE BUILDINGS.
HUGH M'KEAN, Agent.

ENGINEERS, MASONIC, and UNIVERSAL
MUTUAL. LIFE ASSURANCE SOCIETY.
Dead Office, 345, Strand, London,
(Opposite Waterloo bridge).
Incorporated under Act of Parliament, 7 and 8 Viet., cap. 110.
yolieles issued free of Stamp Duty to the Assured.
A Policy once granted never disputed.
Medical Referees paid in all cases.
No Entrance-fee for admittance.
The whole of the Profits are divided amongst the Assured.
Assignments and Transfers of Policies Registered at the Office free
of charge.
The Board meets every Tuesday and Friday, at Two o'clock.
Attendance at the Office daily from Ten to Four, when Assurances
may be effected.
..4 I'ersons assurinz before Christmas will be entitled to partici-
pate in this year's profits.
FREDERIC LAWRANCE, Actuary and Secretary.

MIESSRS. NICOLL'S WAREROONIS extend
over several Houses in REGENT-STREET, and are appro-
priated to the following departments ;
TO NICOLL'S REGIS FREED PALETOT a large space Is de-
voted This garment exempl,fles in its characteristics the general
excalence and moderate prices observed throughout the establish •

nribnt.
DRESS for EVENING or MORNING WEAR has its allotted
space.
UNIFORMS—NavaI, Military, and Diplomatic, present, in their
departments, 'he unusual aspect of fair prices for cash.
ROBES Municipal, lerical, &c., have separate rooms, and are
placed on the same footing with the above.
BOYS' CLOTHING —This is a new department, wherein provi-
sion is also made for the display of much elegance and economy.
THE CITY ESTABLISHMENT corn sponds with the above, and
is at 22, CORNHILL, tha entrance to the Shipping Department being 1
in Change-a ley.
THE WHOLESALE WAREROOMS and the principal Counting
Houses extend into Warwick-street, at the rear of the Regent-street
premises, where rooms arc now being fitted. up for the use of the
numerous foreign merchants who will, during the period of the Great
I Exhibition, be introduced to this firm through their agents, resident
at most parts of the globe. But where there is no local agent,
strangers wishing to partake of this accommodation, should obtain
a letter from the English Consul, in order that they may have the
assistance of young men speaking different languages, who will then
readily give any information or other good office that may be needed
in a strange laud.
H. J. and D. NICOLL, REGENT-STREET (from 114 to 120 in-
clusive), and 22, CORNIIILL, LONDON.

910 THE TRAVELLING PUBLIC.- A
great comfort is now provided in NICOLE'S TOGA
WRAPPER. It N a novel adaptation of the old Railway Rug
(without its horse-cloth appearance), to a double purpose—that is to
say, besides being used as a wrapper for the knees, it can be used as a
cloak for the shoulders.
Thus, by simply drawing in a string, rests are formed for the
shoulders, and the garment assumes the graceful appearance of the
ancient Toga (whence its name).
Toe price is One Guinea, or with a hood (now in general use for
travelling in France), and bound with braid, it is One Guinea and a
Half.
When the Toga is used as a wrapper for the knees, the hood forms
a most convenient receptacle for papers, &e.
NICOLL'S TOGA WRAPPER is registered 6 and 7 Victoria,
cap. 65, and can he had in London only, of H. J. and 1). NICOLL,
MERCHANT CLOCIIIKRS, PALE-170T PATENTEES, and MA-
NUFACTURERS of CLOTH, REGENT-STREET (from 114 to 120
inclusive), and 22, CORNIIILL.
CAUTION.—Many have assumed the use of the word
" Paletof," but Messsrs. Nicoll are the sole patentees of the design
and material (in winter or summer substances) employed in
the manufacture of this inexpensive and gentlemanly article of
costume.

APPETITE AND DIGESTION IMPROVED.
LEA and PERRINS' WORCESTERSHIRE
SAUCE imparts the most exquisite relish to Steaks, Chops,
and all Roast Meat Gravies, Fish, Game, Soup, Curries, and Salad,
and by its tonic and invigorating properties enables the stomach to
perfectly digest the food.
The daily use of this aromatic and delicious Sauce is the best safe-
guard to health.
Sold by the proprietors, Lea and Perrin, 6, Vere-street, Oxford-
street, London, and 68, Broad-street, Worcester; also by Messrs.
Barclay and Sons, Messrs. Crosse and Blackwell, and other Oilmen
and Merchants, London; and generally by the principal dealers in
sauc e. B
. To guard against imitations, see that the names of " LEA
and PERRINS" PERRIN'S" are upon the label and patent cap of the bottle.

DR. LA'MERT ON TUB SECRET INFIRMITIES Or I uUTH
AND MATURITY.—WITH 40 COLOURED ENGRAVINGS ON
STEEL.
Just published, and May be had in French or English, in a Sealed
Envelope, 2s. 6d., or post-free, from the Author, for forty-two
StarnpS,
QELF-PRESERV A TION; a
Medical Treatise on the Physiology of Marriage, and on
the Secret Infirmities and Disorders of Youth and Ma'urity,
asually acquired at an early period of lif,, which debilitate
the physical and mental powers, diminish and enfeeble the natural
%clings, and exhaust the vital energies of Manhood ; with Practical
Observations on the Treatment of Nervous Debility and Indigestion,
whether arising from these eauves, close study, or the influence of
tropical climates: Local and Constitutional Weakness,
Syphilis,
Stricture, and all Diseaces and Deranngrav ements resulting from
ting Indis-
the
cretion. With Forty coloured Einzs,
Anatomy, Physiology, and Diseases of the Reproductive Organs,
explaining their straetures, uses, and functions, and the various
injuries that are produced in them by solitary habits, ex
infection. BY SAMUEL LA'AIERT,
37, BEDFORD SQUARE. LONDON.
Doctor of Medicine. Matriculated Member of the University of Edin-
burgh, Licentiate of Apothecaries' Hall, London, Honorary Member
of the London Hospital Medical Society, &c.
This work contains an accurate and complete account Of the
fortunately
Anatomy and Physiology of the Reproductive Organs. It tin-
sceuqnuenfocres happens that the unhappy victim of excessive indul-
gence and vicious habits, while suffering from their invariable con
taunwisely
relief. I selysheaninteertaiannds athfeeardorfeaapdols3odng,.retoquaenqtyly.ifibeudtpheiTysoi:
neously entertained that these
art, alike ,restrict him and complaints arc beyond the reach of
alone it can b prevent his seeking " tance where
or ass.s
c procured. Dr. I PMERThas taken the highest
medical honours, as his J
diplomas testify, and the groat extent of his
practice for many years is a
ence, which has refertace fessional expari
guarantee for his pro
dis ost solely to the treatment of these
eases.
Published by the Author, and
49, Paternoster-row; EkuneY, Gilbert,
49, Oxford-street
he had of J. ,
street, Haymarket; Mann, 39, ",,_tord-street; Starie, Tichborne-
,
hall-street, London; or, free by poet for
; Gordon, 146, Leaden-
the Author's Roatdouoo, V, Bodzord-aquare forty-two:olc Stamp, Crow