The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1852-04-20 00:00:00

Eitstiratur flottas.

OFFICE ESTABLISHED FOR THE IN ANCE OF ALL
KINDS OF PROPERTY IN TOI AND COUNTRY.
OAN SON REAL AND PERS AL SECURITY GRANTED
J
BY THE ROYAL FARME ' and GENERAL FIRE and
LIFE ASSURANCE and LO and ANNUITY COMPANY.
_ESTABLISHED 1840. CAP AL, .4500,000.
Fire and Life Insuranc f every description effected.
Prospectuses may be tained of the Agents, or at the Head
Office, 346, Strand, don.

WM. SHAW, Managing Director,
Mr. WM. CL AVER, 2, Elliot-street, Clayton-square,
AGENT FOR LIVERPOOL.

UTU A L LIFE ASSURANCE.
C 0 TTI S H PROVIDENT INSTITUTION

HEAD-OFFICE,
14, ST. ANDREW-SQUARE, EDINBURGH.

THE FOURTEENTH ANNUAL GENERAL MEETING of
the Contributors to this Society was held in the Waterloo-
rooms, Edisibugh, on Wednesday, the 18th February :
Mr. WILLIAM FRASER, Writer to the Signet, the Senior

Directoi=, in the Chair,

The CHAIRMAN, after thanking the Meeting for placing him
in the chair, adverted in terms of congratulation to the details
of the Society's progress. Alluding to the steady increase of
their business, he said—l need not say that the Directors have
taken no undue means to procure it. They have adhered to
those rules of administration which have always received your
cordial approval, and have steadily resisted every inducement
I 0 purchase favour by conforming to practices which they
consider objectionable in principle. At the same time, they
bave continued to give the greatest attention to the selection
of lives ; and their care in this respect is apparent from the
rate of mortality experienced, which still continues far below
the rate indicated by the tables, which give the highest estimate
of life. In i►lustration of our care, I;may re r to the Irish
business, which is generally regarded as one a rather hazar-
dous description. But with us—confininry urselves to a few
Sind selected localities—it has been fully good as in the best
districts of Scotland or England : one a ency, established ten
years since, which has sent in about ,000 of Premiums, has
sot yet produced a single claim upon e Societe•

There is one matter which it r.;^ / —7*
-emir notice for me to bring under
awl to Which pups atom if tti be asked. It has
-Veen shot a sled dr ankioii consideratinn with the direc
tots t6from the Pul les all restrictions and condi.,
Atom Of fOrfeiture which are of essential to safety; and you
lire aware that a great des was done by this Society, a few
years sir c to remove suc restrictions. The grounds of for-
feiture in case of death by duelling, by the hands of justice, or
by suicide, if beyond si months from the date of the policy,
were then removed ; a it was further established that no
mere innocent error, r omission to state what, though impor
leant, might not at t , time have been within the knowledge of
the contracting; par y, should be a ground of future challenge
against the Policy. The exception of a mis-statement of the
age was then retained, in order to check carelessness in regard
to a matter on which the amount of premium depended, And
'which, with ordinary care, might be sufficiently determined ;
but the Directors were, at the same time, empowered to correct
lences of any accidental or unintentional error in

connt.,

this respect.
A great advance Was thus made in giving to the Policies of
the Institution a character of unquestionable security; but
more enlarged experience has satisfied the Directors that they
may, with perfect safety, and Without a departure from any
great printiplei gb further in the same direction; and they
now feel themselves quite prapared cordially to recommend
the adoption of resolutions to which, in concert with other
Scottish Life Assurance Companies, they signified their assent,
and by which, at a comparatively early period after assurance,
every restriction will, to the great body of the Policyholders,
be removed, and the value of their Policies, as marketable
securities, be placed beyond doubt.
You are aware that, by the existing regulations, a Member
being beyond the limits of Europe, or entering into Naval or
Military service, or dying at sea, except within certain speci-
fied limits, forfeits his Policy, unless ne has previously ob-
tained a license from the Directors. It is part of the reso-
iiitiona to be submitted for your approval, that the Directors
be empowered, in the case of Members whose circumstances
or prospects in life preclude the possibility any of these
conditions} of the IN!!fil, being violated, to grant a certificate to
Members applying for it, that. if these are not infringed
within five years, they shall then prescribe, and shall not
thorpsftpr he airroitud of forfeiture, With such a certificate,
and the age be sumcientiy proved and admitted, winch ruts
-never been found an insurmountable difficulty, the Policy will
become a document of debt absolutely unchallengeable upon
any ground whatever save one, viz., that of fraud or inten-
tional falsehood, in retaining which, as a ground of challenge
which cannot be abandoned, the Directors feel confident that
they will carry with them the feelings and judgment of the
coniributorst

"To those Members whose circumstances will exclude them
from the benefit of the proposed resolutions, it must be satis-
factory to know that the fundamental.laws of the Institution
(as fixed at your meeting three years ago) secure their Policies
against challenge on grounds of innocent error; and this is to
be kept in view as an advantage which your Society still offers
over every other Scottish Institution.
Copies of the law as it at present stands, with the alterations
proposed, have been placed in your hands. After the reading
of the Report, these will also be read; and it wilt then rest
upon you to decide whether they shall be adopted.
Mr. C. W. ANDERSON laid on the table the Report from
. the
Directors. He referred to the steady and progressive increase
of the Society, which is exhibited in the Tabular view now
subjoined.

REPORT BY THE DIRECTORS.
The new business effected during the past year is again con-
siderably in advance of that of any preceding year.
The proposals accepted have been 677, assuring a sum of
.€274,775 ; and on these the premiums payable yearly,for life
or for a term of years, amount to ..e7,666 Is. A considerable
BUM has also been received for Premiums by single payment
At the close of the year there had been issued in all
reficles, assuriog nearly .w?,,300.000

- The amount of sub•
assurances was then 41,866,488. The Accumulated
nounted to .e207,8Cv3, and the yearly income to about

Fund air
.E 61,500,

aunt of the claims which have emerged last year is
)y the death of 36 members. 'Phis is still a very
. •

of the Insti

spread.

tant R

n of the Contributors that impor.
d by this Institution three years
ct the removal
,oc.many of the

embers Were
mifirmed the

ness of the resolutiOn;

Direr
then ad,
to the C _
they. In the „
other Life Assnrance'OfL.-
consistently with safety at
could be granted, with the
value of the Policies and tl
the Members. They ha,
scribed by the Constitatio
that the 7th and Bth Articl
the terms to be submitted
By the proposed alterations, tt
Inecessary.precautiOns) are to be e
make arrangements by which the
Rill be secured, after a fixed perio
tional premiums, in the event of 1
of Europe, or entering into Mili
generally to exempt their Policies
tore whatever, excepting fraud or intenti____
effect of these alterations must be to enhanc

ry or Naval eeryice

r ground of forfe
al falsehood. Tt

.ly the value

of the Policies as marketable securities ; and the Directors feet
r satisfied that they secure the Institution against any appreci-
able risk, by providing that the exemption shall not in any
cPse take effect until after the lapse of five years from the date
1, of the Pol. -
Th
by tt
Mr. ROBERT MACFARLA
t Meeting annrovenf ti

s RepOrt, with the s
e Auditors were rea

Mr. GEO

led, and the Report

to the Directors for their

IRobert Hunter. I

s Peddle, Esq.,
DIRECT

Local I

Merchant.

transis Kfctiardson,
James Cathcart, Esq.,
John Auld, Esq. W.,.
David Hector, Esq., Advocate.
C. W. Anderson, Esq., Merchant, Leith
Charles Morton. Esn.. W.S.

an, seco

London

JWoihlnlialmiuNntter-,-E—sq—:,"A"u-ditO;;;Filie Court of Session
John Parker, Esq., Inland Revenue-office.
Charles Lawson, jun.,Esq:, Seedsman.

IJames Crawford, jun.. Esq., W. S
Alex. Bryson, Esq., Watchmaker.
William Brand, Esq., W.S., Secre

BIENNIAL

1844
1845
1848
1847

Watson

ROGRESS OF Tii
LAST TEN YE

,er of I Amc

ry to the

on Bsnk

hn Watson

8 IN THE

THE SCOTTISH PROVIDENT INSTITUTION

(Incorporated by Act of Parliament) is the only Scottish Office
in which the advantages of MUTUAL AssunAncE can be ob-
tained at MODERATE PREMIUMS. The Assured are, at the

same time, specially exempt from personal liability.
While, as a Mutual Society, it secures the WHOLE PROFITS
to the Members, its Premiums are about as low as those of the

on. ray ricrpatmg scale of the Proprieta►y Companies.
The principle on which the Profits are divided is at once safe,
equitable, and favourable to good lives, the Surplus being re-
served for those Members who alone can have made Surplus
Payments; in other words, for those whose Premiums, with
accumulated Interest, amount to the sums in their Policies.

ANNCAL PREMIUMS TO INSURE .elOO AT DEATH

e 25 ...41 18 0 1 Age 35 .. 2 610 i Age 45
, 30.. 2 1 6 I .. 40.. 214 91 .. 50

£3 5 0
4. 1 1

The same Premium which at age 30, for example, is charged
in the other Scottish Mutual Offices for Assurance of £l,OOO,
will secure in this Society a Policy of £1,230.

, Copies of the Annual Reports (the last is now ready), Forms
of Proposal, and every information, may be had on application.

AGENT FOR LIVERPOOL,—JOHN REID,
General Commission Merchant, 13, Oldhall-street
MEDICAL OFFICER,—Dr. GEE, 10, Oxford-street.
Edinburgh, March, 1852.

h-y
the c

SOYER

celebrated Sauc

le bears

'S SAUCI

ITTP _LIVERPOOL STANDARD, TUESDAY, APRIL 20, 1852.

CROSSE AND BLACKWELL,
PURVEYORS IN ORDINARY TO HER MAJESTY
Rl' SP:. CTFULLY invite the attention or the
Nobility and Gentry to the following rich SAUCES and
CONDIMENTS.

R E S H.
nowt n universal use nrough-
own acquired by M. SOYER,

several i mitations of his
rticularly to observe that
tit on the Label, accompa-

lijta, 'safes, or other depositories enclosing papers, or other
materials, from fire." It was on the construction of these
words that he had directed them in point of law, that the de•
fendaat may have infringed the patent, although he did not
wake use of tubes, or pipes, or artificial vessels. With this
exception, he left it for them to say if the defendant had in-
fringed the patent; if they found that it was so, damages not
being in dispute, the sum of forty shillings would be sufficient:

inu
The Jury

eir verdict

hemselves, which way

fter ashert deliberation

,ley w*u

said they found their

ct upon all the issues for the plaintiff

VERDICT FOR THE PLAINTIFF

'pen this verdict, establishing the validity
tents, so fully confirmed by his Honour the N
decision, urther proceedings in Chancery
agaiast all parties Selling, Molding, or Visit
ItoNes.
is

-Chancellor's

are beix

[ADVERTISEMENT.]
THE SCREW STEAAM-SHIP CITY OF

MANCHESTER.

in Company's
+.ch. arrived

The Liverpool and Philadelphia Steam-a.
steam-ship City of Manchester, Captain Robert Le.
in the Mersey, from Philadelphia, at 9 p.m., on Friday, ..
passengers and a very full cargo. An opportunity for corn
parison has offered on this voyage between screw and paddlt
steamers, both to the westward and eastward. On her out.
ward voyage, she left Liverpool exactly twelve hours before the
Royal Mail steam-ship Niagara, and delivered her letters in
Philadelphia on the same day, they having gone the whole dis-
tance by water, and the Niagara's mails having been sent from
Boston by railway. On the teward passage, theCityfof Man-
chester brings three days' later Philadelphia newspapers and
letters than the'Niagara, and entered the Mersey exactly three
days after her. The passages, both outwards and homewards,
being, as nearly as possible, at the same rate of speed ; if any-
thing, in favour of the City of Manchester. The. City of Man-
chester had 1100 tons of cargo, weight and measurement, on
board on her arrival at Philadelphia; and had 1200 tons weight
of cargo on board on her arrival at Liverpool, the Niagai a
coining home in ballast. According to Government retu • he
Niagara is a paddle-steamer of 1850 tons build measure-
merit, 1008 tons register, and 750 The City of
Manchester is a screw-steamer of

with 27

) touruutiaers' measure-
n abstract of

FOREIGN NEWS.

FRANCE.

The 10th of May is positively fixed for the grand
review and distribution of eagles in the Champ de
Mars. All the regiments composing the garrison

of Paris will be present;
the French army will be represented by their colo-
nel and a deputation. On the 9th a
.fe'te will be

and the othci regiments of

given at the Ecole Militaire by the-f

ch Army

the President of the Republic, who has accepted
the invitation. Previous to the ball, a grand dis-
play of fireworks, prepared by the artillery in garri-
son at Vincennes, will be let off on the heights of
Chaillot, opposite the Champ de Mars.
A decree has been issued on the subject of the
University. The main object appears to be to dis-
credit classical learning and philosophy, and to give
predominance to mathematics and logic.
The Patrie says that the number of persons
sentenced to transportation throughout France
amounts to 6,000.

A great drought prevails in the south of France,
which is causing great suffering.
The Moniteur contains a communicated note,
which gives a direct contradiction to a statement of
the Gazette de Prusse, that the Prince President had
called on the King of Belgium to place the institu-
tions of the country in harmony with those of
France, and that the King had replied in a way cal-
culated to render war probable.
The number of houses lately knocked down in
Paris for the opening of new streets will displace
upwards of 30,000 persons, and rents are accordingly
ked I rising.

The government journals contradict on authority
a paragraph of the Siecle, stating that unpleasant
differences had occurred between the French and
British governments ; on the contrary, the relations
between both governments have never ceased to be
of the most friendly character.

The Legislative body resumed its sitting after
the Easter recess on Tuesday afternoon; but the
' business transacted was brief and unimportant. Its
future meeting is not yet decided upon.
It is stated that in the Imperial Almanack for
Russia for 1852, under the head of France—Henry
V. is set down as King, and the Count de Paris as
his heir. It appears, however, that some explana-
tions have passed between the Minister for Foreign
Affairs and the Russian Minister on the subject.
Assura. ces, it is added, have been given that there
was nothing of an offensive kind meant to France
or its President.

AUSTRIA.

A telegraphic despatch, dated Vienna, April 7th,
states that Count Buol-Schauenstein, who was last
week summoned from his embassy, in London, to
Vienna, is definitely appointed imperial minister of
foreign affairs. It was believed in Vienna that
Count Buol would at the same time be the presi-
dent of the council. The Gazette contains an ordi-
nance placing the Grand Duchy of Cracow under
the general civil law of the empire. The corres-
pondent of the Augsburg Gazette observes from
Vienna that the death of Prince Schwarzenberg will
not lead to any change in the domestic or foreign
policy of the Austrian government.

The Emperor has addressed the following autograph
letter to the reigning Prince Schwarzenberg, on the occa-
sion of his brother's death :

" Dear Prince,—God in his providence has visited your
highly-distinguished family with a heavy blow. The sud-
den dissolution of the Minister-President, Prince Felix,
is for me personally, and for the State, a portentous event.
" I lose in him a faithful servant and an upright friend,
the country a man who, in a stormy period of trouble,
placed himself with rare courage at the disposal of my
house, and who, since then, has displayed such ardour and
devotion in preserving order, and strengthening the pillars
of the throne, that his name will ever occupy a glorious
place in the annals of Austria.

" Accept, my dear Prince, the assurance of the deep
sympathy and the profound sentiments of grief that agi-
tate my heart at the tomb of the departed.
(Signed) "FRANCIS JOSEPH.
"April 7."