The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1847-01-12 00:00:00

John Shaw Leigh, Esq,

Josias Booker, ]
Hugh J. Sanderson, Esq.
Deputy-(

William Blain, Esq
Thomas Bouch, Esq
John Campbell, Esq.
David Cannon, Esq.
Thomas Dover, Esq.
Robert Dudgeon, Esq
Richard Harbord, Esq
R. S. Henderson, Esq.
R. Brodhurst Hill, Esq
T. B. Horsfall, Esq.
Henry Killick, Esq.

Robert Pedder Carter, Esq., and James hardy Macrae, Esq
PHYSICIAN.
Richard Formby, M.D.

SURGEON

Hugh Neill, Esq.
SURVEYOR.
Samuel Holme, Esq.
SOLICITOR.
Septimus Booker, Esq.

BIRKENHEAD BRANCH,
Hamilton Buildings, Hamilton-street.
' SURGEON FOR BIRKENHEAD,
James Theodorick Vale, Esq., Hamilton-square,
SURVEYOR FOR BIRKENHEAD.
William Cole, Esq., Architect.

The Directors be to announce that they continue to _RE-
CEIVE PROPOSALS for FIRE and LIFE INSURANCES.
The large Capital of the Company, and the number and in-
fluence of its Proprietors, enable it to take rank with the most
eligible offices in the kingdom, with respect to the advantages
offered to the Public. •

FIRE INSURANCES
Will be effected at moderate rates of premium. The Company,
having the advantage of a resident Directory, will he enabled
to distinguish itself by its promptness in the Settlement of
Claims.
No Charge made for the Policy.

LIFE BRANCH.
Extract from Rates of Premiums for the Whole of Life.
s. d. .e 8. cl.
Age. With Profits. Without Profits,
15
20
25 2 4 2 1 19 7
30 2 9 9 2 4 10
35 2 16 2 2 11 0
40 3 4 1 2 18 6
Rfl 3 14 6 3 8 5
' ^ -

-r 0
The Company likewise assure Lives.
For the WHOLE CONTINUANCE OF LIFE
!ase after a LIMITED NUMBER OF ANNU)

-The Premium to

iv UAL rAYMENTS, and
on any other anitingencies as may be agreed on.
The important advantages offered by the Company in the Life
' Branch will include the foowing,
THE GUARANTEE OF AN AMPLE CAll
PITAL AND EXEMPTION
OF THE ASSURED FROM LIABILITY OF PARTNERSHIP.
MODERATE PREMIUMS.—Avoiding, on the one hand, an UN-
NECESSARILY HIGH RATE OF PAYMENT BY THE ASSURED,
and, on the other, THE DANGER RESULTING FROM INADE-
QUATE CHARGES.

LARGE PARTICIPATION OF PROFITS BY THE ASSURED,
amounting to TWO-THIRDS of its net amount, which may be
applied at the option of the party effecti,nA. the Assurance.
lst.—By an immediate payment of the non so apportioned;
2d.—Bt, an equivalent reduction of the future premiums; or
3d.—By an equivalent increase of the sum assured.
.SMALL

OR MANAGEMENT.
PROMPT SETTLEMENT OF CLAIMS.
RESIDENCE IN ANY PART OF EUROPE allowed without any
additional charge.
POLICIES
,LAPSED EY NON-PAYMENT, OF THE PREMIUM,
may be renewed within three months, by paying thetpremium
with a fine of 10s. Der cent.. on thA

_ evmence to tne
satisfaction of the Directors of the good state of health of the
Life Assured.

The Company will always be prepared to PURCHASE the Po-
LIMES of this office at their EQUITABLE VALUE.
Assurances may be effected when needed with the UTMOST
SECRECY AND DESPATCH.
No ENTRANCE MONEY, nor any charge except for the Policy
Stamp.
usual Commission allowed t, ite•

,o solicitors.
M. OV, .
N.B. The Directors are willing PERCY
to receive DapplicationsManager from
Persons of INFLUENCE, INTELLIGENCE, and ACTIVITY
nc
to undertake AGENCIES throughout the Counties of La as-
,
ter, Cumberland, Chester, and elsewhere, it being their deter-
mination only to appoint Agents possessing those qualifications
December 18, 1846.

. -
The following AGENTS, among others, have been appointed
Audlem Edward Bellyse Combermere Abbey
Bolton Thomas Warburton..
Blackburn John Matthews 4, Paradise--
Chortcy George Houghton.... Stamp-office
Chester • Samuel Brittain, jun.. Solicitor.
Do. Ducker and Bayne .. Eastgate-row.
Knutsford William Taylor Ironmonger.
Lancaster Yeats Welch lO, Penny-s
Low-hill James Wensley Gloncestertreet.
-place
Manchester Houghland & Leese.. 51, King-street. Do. G. V. Rider • 100, King-street.
Macclesfield John May Solicitor.
Northwich George Beckett Draper.
Old Swan & Stanley Samuel Sneade Tea Dealer.
Orinskirk Robert Wareing .... Solicitor.
Prescot Edward Brown Market-place.
Rochdale Matthew Weston ....
Seacombe Hugh Banner Estate Agent.
Tarporley William Aston Grocer & Tea Dealer
Toxteth-park Toseph Harrison .. .4, St. James's-place
Ulverston T. Pearson Postlethwaite.. Solicitor.
Wigan Woodcock, Part, and Scott.. Solicitors.

-street

MEDICDISEAAL,SE AND HEAL ASSURED.
D INVALID,THY ANDLIVES GENERAL LIFE
25
OFFICE, PALL MALL, LONDON, and 22, NASSAU-STREET,
DUBLIN.

SUBSCRIBED CAPITAL, £500,000,

November, 1846.
At a numerous meeting of the Proprietors, held at the Com-
pany's Offices, 25, Pall Mall, on the 26th instant, it was shown
by the Report of the Auditors and Directors—
That this Company was the first to Assure DISEASED AND
INVALID LIVES in a systematic manner, and on the same safe
and defined principles as those on which ordinary Offices assure
Healthy Lives; and that at the present it is the only Company
furnished with scientific and well-constructed Tables showing
the duration of life in the different classes and Various stages of
disease.

That the Public have felt the urgeur'grcessity for a Company
established on such principles, wag rendered manifest by the
fact, that during the period of ifte years in which the Society
had been in business, no lesS than 2051 Proposals had been
made to it, covering As.curancey to upwards of One Million of
money. The number of. Policies issued far exceeds the average
of that of most of the 91t1 and successful Offices in a similar pe-
riod ; and the buskress has been gradually progressive, the -
number of Policie% issued during the last .year being nearly obtained possession of a watch, the property of Mr.
triple that in the" first year of the Society's existence; showing Joshua Walmesley. The latter stated that he had bought
that as the establishment of the Company has become more the ticket for the watch (which was in nlpficrpl .;,,b+
generally known, the public have mnrp fraahr .rn Is ........i at... ___
culiar ac

[vantages wh;

--.,,,,.. ...I.,aa . MMUS inns morning every reason Lowiiiis ago, ii yin Luc prisoner. it was pledged for 3s. 6d.
Company will still go on ra-to believe that the business of the 'Comln June last, the prisoner went to the pawnbroker, and
pidly increasing,
represented that he had lost the ticket. He then, by
That the number of deaths that have taken place has been the usual process of affidavit, redeemed the article, and
under the number estimated by the Tables of the Society by nearly it was found in his possession. He was remanded until
ten per cent: ; a strong proof of the safety and correctness of and when again brought up, the case being
the data and principles on which they are founded ; and that
these facts conclusively show that busines in INVALID LIVES Testerdayarther confirmed, the prisoner was committed for trial
can be transacted with as much safety as that in HEALTHY at the next assizes.
LIVES; that the prejudice which once prevailed against this SEACOMBE SLIP.—For some time past, owing to the
class of business is rapidly disappearing; and that there are new works erecting on that side of Wallesey-pool, the
few Companies which are not satisfied that this kind of Assu- sand and silt have been accumulating near Seacombe
ante may be done with security and profit, so much so that se-
veral have now become anxious for it. That it is also gratify- Ferry, preventing altogether the landing of small craft on
ing to be able to state, that a very large proportion of old-esta- the south side of the slip. On Saturday it was found that
blished Offices have latterly co-operated with this Society by the deposit had so greatly increased, that the wheels of
sendinc, it a considerable amount of business. the moveable slip had become too firmly embedded to be
That the public have derived a great benefit from the esta- moved by the engine; and at high water the sea made a clear
I
blishment of this Company, is shown by the fact, that 66 per 1...,,•,-1. --- 4-1.- -'• 1 •
cent. of the live. .Q.,,,..,1 1...-1 I—___ • . .

~.c Jivs assures bad been rejected by other offices;
thus extending the highly valuable benefits of Life Assurance
to a large section of the community not embraced by other
companies. This result will be the better understood when it
is stated, that in the mature period of life the deaths from one
disease only, Consumption, in the principal towns of England, are more than one-third of the total deaths in the same period
of life. And if an inquiry be instituted into the prevalence of
other diseases also, such as Asthma, Dropsy, Diseases of the
Head, Heart, &c., &c. &c., it will be found that more than one
half of the whole population mould, on medical examination, be
ref The used admission into ordinry assurance offices.
chronica
o Diseasesn fr
frequently
r medicale alluded
,fO.
rat omr,,aianrneaytsi
yearsiotnc h
wa
would
puerixdi
oi exist in
effectuallyti
on death,general
b ax-
eludeui
n
t
'the persons so affected from the benefits of Life Assur-
tainocne •sainncleisuidneede iitnthu
thiss appearsclassth
ethat a majority of the popula
itnportance of the
new feature of this society carinolt-f%atililt:oez justly appreciated_
That the published document by

preach over the slip and engine, carrying away the engine-
house, but happily doing not so much injury to the ma-
chinery of the engine itself. We imagine that this occur-
ence will form the subject of litigation between the owners
of the ferry and the Birkenhead Dock Commissioners.
IMPROVEMENTS IN BIRKENHEAD.—Amongst the many
improvements that are daily manifesting themselves in
this locality, there is none more worthy of notice than
that of the erection by Mr. Green of a suite of splendid
rooms, to facilitate his business as an auctioneer and
general furnisher. The front is entirely of stone, and
the interior is, we believe, as capacious as any establish-
ment in the kinrdnm. nrifi

all °t•
het uieerrteYs thfditti;;:y
111 the IffSt place, that the peCuUrsf7g.,
open a larger
.field for business than Offices can have
unitedly; and

in sue seconu place, that tile risk of Assuring Disease.
Lives, must, from its own nature, be less, and its principle,: 'be
found to rest on a ntore satisfactory basis, than those which re-
gulate ordinary assurances. ,

.
- That premiums have been determined for the Assurance of
persons at every age, among those afflicted with consumption,
asthma, bronchitis, pneumonia, disease of the heart, apoplexy,
alysis, epilepsy, insanity, disease of the liver, dropsy, scro-
fula, gout, rheumatisl, &c. •
That in all cases where satisfactory nroof I.

•• •-• 1/1,-/L aid en LIM Llle
causes for an increased rate of premium have ceased, a reduc-
tion in the premium is made.
Increased Annuities are granted on Unsound Lives.
No extra Premiteme are required on Healthy Lires, in the
Army or Navy unless in actual service.
HEALTHY LIVES, both at Home and in Foreign Climates,
are Assured with as much facility and at lower rates than at
most other offices ; and a Capital of Half-a-Million sterling
fully subscribed affords a complete guarantee for the fulfilment
of the Company's engagements.
FRANCIS G. P. NEISON, ACTUARY.
N.B.—Applications for Agencies to be made to the Actuary.
MEDICAL REFEREES FOR LIVERPOOL.
THOMAS INMAN, M.D.; P. RAMSAY, M.D.

LIVERPOOL