The Sun.
London, England, 1850-12-10 00:00:00

DISPUTED LITE POLICLES.

" A trial of considerable interest to Life Assurance Offices and the
public was concluded yesterday in the Court of Exchequer. The
Eagle Company held a policy for an assurance of 5391. 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. The chief evidence
turnet upon the question as to the degree of intemperance that had
been exhibited, and the resu't was, that a verdict was given against
the resisting office, not only for the amount of the policy, but also for
401. 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 btained by the public must lie in the
general adoption by Assnranee Offices of the plan of protelting them-
selves in every case by due inquiries before the grantim- 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 be diametrically opposed in their opinions as tc what can
properly invalidate a claim, and yet the public aro 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.

THE LONDON INDISPUTABLE LIFE
POLTCY COMPANY
No. 72, LOMBARD-STREET, LONDON.
TRUSTEES.
J. Campbell Renton, Esq., M.P. Richard Spooner, Esq., M.P.
I
Richard Malins, Esq., Q.C. James Fuller Madox,
William Wilberforce, Esq.
DIRECTORS.
William Adams, Esq. Robert Henry Forman, Esq.
John Atkins, Esq. John Hamilton, Esq.
Henry Augustus Bevan, Esq. James Fuller Madox, Esq.
J. Thompson Bramwell, Esq. John Matthews, Esq.
Jahn Dangerfleld, Esq. C. ()davit's Parnell, Esq.

_
AUDITORS.
George Cumming, Esq. James Turner. Esq.
William 1). Starling. Esq. David Henry Stone, Esq.
SECRETARY—David Alison, Esq.
BAmotits—The London and t),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.

coin's Inn-fields.
Thomas Jervis AMA, Esq., York-street, Portman-square.
George Y. Robson, Esq., Eastbourne-terrace, Ilyde-park, and New.
square, Lincoln's Inn:

Secretary, Chas. llogidon, Esq.
The POLICIES of this Company, being INDLSPUTABI.E, form
Family Provisions and Negotiable Securities, for their validity is not
dependent, 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-
surance, the progress of this Company has been rapid from the com-
mencement of its business, and is steadily advancing.
Copies of the Report of the last Annual Meeting will be fOrwarded,
on application, to Solicitors, to whom Commission is allowed.
ALEXANDER ROBERTSON. Manager.

ItAILWAY PASSENGERS' ASSURANCE
COMPANY.
Empowered by special Act of Parliament, 12 and 13 Vic., cap. 40.
OFFICES, 3, OLD BROAD-STREET, LONDON.
Chairman—JOHN DEAN PAUL, Esq.:
Deputy-Chairman-G. B. HARRISON, Esq.
Established for the purpose of affording compensation in cases of
per=onal injury, and the payment of a certain sum in the event of
death by a railway accident.
The distinctive features of this Company are :-
1. It is empowered by special Act of Parliament, 12 and 13 Vic-
toria, cap. 40.
2. It has a subscribed capital of one million sterling, as a guarantee
to the assured.
3. In the premium charged the stamp duty is included, which is
paid to Government by the Company.
In these respects it is peculiar, and distinguished from any existing
rail way assurance company.
TABLE 01? PREMIUMS.

For the convenience of frequent or daily travellers the Company
issues periodical tickets at the following rates of premium, which
gives the holder the option of travelling in any class carriage and on
any railway :
To insure 1,0007. at an annual premium of 20s.
2007. SI
Single journey ticltets aro likewise issued at most railway stations
in the kingdom at the folio ving rates of premium :-
3d. to insure 1,000/. in a first-class carriage.
2d. ditto 6001. in a second-cl Ass carriage.

Id. ditto

2001. In a third-class carriag,:

These sums to be paid to the legal representatives of the holders in
cases of fatal accident while travelling by railway, with propor-
tionate compensation to himself in case of personal injury.
Two fatal cases, each insured for 5001., and forty-four cases of per-
sonal. injuiy, met by payments varying in amounts to upwards of
2101. have been the claims upon this Company during the past year,
details of which may be seen in the prospectus, to be obtained of
the booking clerks at the . principal railway stations ; or at the
°faces of the Company, 3, Old Brnad-'treet, London.
ALEXANDER BEATTIE, Secretary.

ENGINEERS, MASONIC, and UNIVERSAL
MUTUAL LIFE ASSURANCE SOCIETY.
Head Office, 345, Strand, London,
• (Opposite Waterloo. bridge).
Incorporated under Act of Parliament, 7 and 8 vict., cap. 110.
yutefao.the Assured.
policies
issongcede gfrraeentoefdSntaevinepr dDisupt
AmerSallicYßeferces 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.
meets every Tuesday and Friday. at Two o'clock.
neAttendanceßoard
d at the Office daily from Ten to Four, when Assurances
may be effected.
Persons assnrinz before Christmas will be entitled to partici-
LAWRANCE, Actuary and Secretary.
pate in this year's profits.

rIHARACTERISTICS of L. HYAM and CO.
Dealers, the
Att he numerous and vast ESTABLISFIIIIENT4 of L. lIYAM
'iol°J.rs'U'RCCilit..4l'SieErs' and Wholesale the RA W MATERIALS from
invariable
Mperracel ret is
the first manufacturers, and thus save to Gentlemen and Heads of
Families who patronise them, all Intermediate profits, viz. :-
Ist Profit ! arising from manufacturers buying articles in the raw
sta+ e.
2d. Profit ! ! arising from merchants purchasing from manufac-
turers.
3d. Profit ! arising from London or Wholesale Houses buying
from merchants.
4th Profit !! ! arising from small retai ors having to ',tinhorn
from wholesale houses.
sth Profit !!! 1! arising from small tradesmen's exorbitant charges
to the consumer.
In the Ordered Department the newest and most superior style of
every Garment may be obtained, first-rate talent being employed in
the execution of all orders.
In the Department of Clothing for immediate wear will be found
the mest varied Stock in the world. Over Coats, peculittey adapted
for travellln, and equestrianism.
Coats; Walking and Business Jackets,
Dress, Surtout, and Riding
Waistcoats, Trowstrs, Servants' Top Coats, Pages' Sults, end Wait-
ing Jackets, enabling the Proprietors (at the shorte.t possible notice)
to execute all orders for home or foreign consumption.
Private Robms are set apart for tryieg on Children's Clothing, so
that parents and guardians can at once select the most becoming at-
tire, and likewise ensure a correct and beautiful fit.
L. lIYAM and CO. beg distinctly to state that Goods made by
them can only he obtained at their places of badness, 36, Grace-
church-street, and 86, Oxford-street, and at their various Establish-
ments in the following towns :—Birmingham, Manchester, Liverpool
Leeds, Glasgow, Hull, Dublin, Bristol, and Exeter.
- -
'DENTAL SURGERY.—DIS:sOLUTION OF PARTNERSHIP.
MR. EPHRAIM MOSELY, Surgeon-Dentist,
begs to state, for the information of his Friends and Pa-
tients, that the Partnership lately existing between himself and Mr.
S. Mosely, carried on by them at 61, Grosvenor-street, Grosvener-
square, London, and 15, Whitefriargate, Hull, was. from the 24th day
of August last, DISSOLVED by MUTUAL CONSENT, and duly
gazt.tted, and that Mr. Ephraim Mosely will henceforth carry on
his practice ALONE, at his oil residenv, 61, GROSVENOR-
STREET, GROSVENOR-SQUARE, and trusts for a continuance
of that patronage with which he has hitherto been honoured.
Mr. E. M. continues to supply the loss of Teeth without extract-
ing the stump or causing the least pain, and which so closely re-
semble the natural as to defy detection. They will never change
colour or decay, and will be found superior to any Teeth before used.
They are fixed without ligatures, and render a firm support and
preserve to any Teeth that are loose, and guaranteed to restore arti-
culation and mastication.
Decayed Teeth filled with Mr. E. M.'s newly-invented Composi-
tion, and every operation on safe and certain principles.
61, GROSVENOR-STREET, GROSVENOR-SQUIRE,
All Debts duo to the late firm payable to Ephraim Mosely; 61,
Grosvenor-street, Grosvenor-square, London.

DR. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row ; Carvalho;
147, Fleet-street; Mann, 39, Cornhill ; or direct from the anther,
price One Shilling eachpost,
ENJOYMENT OF LITE.
"Health, Recreation, and rational Use of Time."
Corrnwrst—Early Rising—Spring and Summer Mornings—Ex.
=Mons about the Environs of London—The Parks, Lanes, mug,
Forests, Fields, High-roads, and other pleasant places—Country
Trips and Rambles—The Sea—London at Night—Evening., at Home
—Music—The Drama—On Eating,.Drinking, Sleeping, Bathing, Air,
test, Ease, Occupation, 814.
n.

FRAGMENTS FROM THE-MOUNTAINS. TWO POLL
Vol I.
A VISIT TO THE LAKES; SKETCH-OF EDINBURGH, &o.

Vol. 11.

THE LAKES OF KILLARNEY; REMINISCENCES OF
DUBLLI, &c.
HI.
WHAT TO EAT, DRINK, AND AVOID.
"That three seore years and ten oar course may run."
A popular review of almost every form (cause end cure) of ner-
vously-debilitated health and enfeebled constitution, that hatarses
the young, besets the man of pleasure, business, or study, and em-
bitters old age, with tables and rules for the diet and physical regu-
Istion of every-day life.

_
Iv.
THE PASSIONS.
" What passions hurt the body—what improve,
Truths as refined as Athens over heard."
SUBJECT : -Life's pilgrimage, from infancy to old age. The advent
ofthe passions. Chastity and its infringements. The casualties of
licentiousness and dissipation, with illustrations, graphic,
narrative,
and remediative. Advocacy of early marriages.

- . • v.
k 1 , ~, ~,t, , ~ TUE MARRIAGE STATE. . •.'
, ryc!,.be or not to be, that the notion."
I:',.' tiii '.ar' -111.;ates end obligitionsisof ngatur adciety; and re-
'll Btl reg*rding inatriage, to be observed by eithi;
c bide; on 'both .Shles, Wk., {der te,4o4);:enett i.- eowlesjon, and
lito
sex. • Time ,:tnd.
'filrtike;-.to sewn) itealthr,OPPring, -NVith. - Ittie' '4:4' of fearing them.
..pityskatdofectiveueos and its removal. 'Sterility and its conversion.
Cason, &c.

By .11. .1. CULVERWELL, M.D. (1841), m,R,c.s. (1827), L.S.A.
1824). Twenty-dye yeara Medical and Forensic Referee in these
anattcai. Reception hours daily till 11% Eventzgoomen till nine.
19 Argylllino, neaentratrodg