The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1838-05-01 00:00:00

Thus, it appears that the highest expectation of sickness,
amongst males, is twelve and a half days, and the lowest six
(lays, in each year from the age of twenty to sixty-five; its
mean duration, inclusive of accidents of all kinds, would be
nine and a quarter days, during which, from these causes, an
individual may expect to be abstracted from productive employ-
ment throughout a period of forty-five years : while, it may be
observed, his religious observation of the seventh day, in which
he "shall do no work," has diminished his productiveness,'by
its recurrence in the same -period, six years and 156 days.
V. From the foreening facts it must be obvious that provision
in sickness, or a Health Assurance by means of a separate con-
tribution, is necessary, more particularly as such separate con-
tribution,must tend to waste the -resources out of which the in-
dustrious classes 'have to provide for the future. It also in effect
throws the liiirthen of the permanently sick on one class ex-
sively, instead. of society at large ; who are thus called on
for an act of benevolence, while they are scarce able to tio jus-
tice to the claims of their own families. Besides this, no com-
pensation is given out of the contribution for a provision in sick-
nesi_aad old_ age to the families of those who never teach the
age of Q,, though death's/iota happen immediately preceding
it; and, if an assumed hypothesis is correct, that sickness be-
fore death is not more than five weeeks, and taking lied-lying
pay at 10s. per week, it will not unfrequently happen the only
return a man may obtain as along and steady contributor to a
Benefit Society, will not exceed 505., a sum scarcely equal to
one year's payment at a shilling per week, while by his death
he leaves his family entirely unprovided for.
VI. It is to remedy these defects, inherent in the constitution
of Benefit Societies, that the National Loan Fund Life- As-
surance Society proposes to submit a plan of Deferred Annuities
on a new principle, which hill not only afford a more ample
provision for old age, and protection against sickness and mis-
fortune—but in addition, the means, at all times, of putting his
energies in motion, and in the event of premature death, a bet-
ter protection to his family.

The plan proposed will embody several essential objects
1. To secure an increased provision for old age out of a given
saving, by applying it exclusively to the purchase of a
Deferred Annuity.
2. To render the purchase of a protection in sickness unne-
cessary, by enabling the purchaser of a Deferred An-
nuity to withdraw or borrow two-thirds of his previous
payments.
3. By the use of two-thirds of all his payments when required,
to limit misfortune and want of employment, and extend
• the power of productiveness by an increasing coinmand,
in each year, of capital, so that, while providing for old
age, each successive contribution renders him more se-
cure against present misfortune.
4 To afford, at the age at which the Deferred Annuity would
commence, without reference to his then state of health,
the option of receiving, instead of his Annuity, its value
in money, according to the value fixed on the contract,

or a larger sum payable at his death.
5. In the event of death before the age at which he woilid be
entitled to his Deferred Annuity, to return two-thirds of
his payments to his fanpily [or such fixed Life Assurance
as may be settled on the contract.] • •
6. In all such-cases where the power of productiveness fails,
either from•disease or accident, to'enable the assured on
equal terms to convert his Deferred Annuity into a pre-
sent Annuity.
VII. Notwithstanding the obvious and manifold advantages
of this plan over every other hitherto proposed, for seen:jug
present and future competence to the industrious population,
still more striking advantages will be exhibited by contrastiner
its prospective provision for old age with that offered by Benefit
Societies. This arises from the non-abstraction of a given sum
for a separate benefit in sickness, which protection, by the oper-
ation of the Loan Fund on the Deferred Annuity, is not only
more ample, but other, misfortunes are, provided against, which
if calculated, and a separate contribution made for each, whose
duration equals that of sickness,. the - purchase t f them would

R. A. BA =
UMBRELLA AND PARASOL MANUFACTURER,
31, BOLD-STREET,
(UNDER DR. THOM'S CHAPEL.)

A. BALDWlN)vispectfully announces to the Ladies of
.i_t• Liverpool, and tfitinhabitants iu ,eneral, his Return
from London, where he has selected a elegant assortment of
SILK and other MATERIALS co ected with the PARA-
SOL Department, comprising two essentials, that of being
really fashionable, and of novel invention, in almost every
shade and figure. The greatest novelty in the Carriage Parasol
will be found on inspection such as to award some credit to the
Inventor, being so contrived as to occupy the compass of a
common Pocket Telescope.
Parasols re-covered and altered to the prevaiS. g fashion.
Repairs neatly executed.
R. A. B.'s Stock of fashionable Gig, Ponev, Ladies, and
Gentlemen's Riding WHIPS, will be found, both in price and
quality, unequalled in or out of. London..
N.l3.—A large and most varied asflortinent of riehly.mountetl
OPERA CANES and WALKING STICKS.
Charges strictly moderate.

MONS. LE DRAY, SURGEON-DENTIST,. from the
Firm of LE DRAY & CO., London.
SCURVY IN THE GUMS EFFECTUALLY REMOVED
ARTIFICIAL TEETH SUPPL ED,
wyritouT Willns, SPRINGS, 011 C ASPS.
LOOSE TEETH PAS ENED.
AND FILLING DECAYED TEETH WITH MI RAL AIARIFIGRATLIM.
MONS. LE DRAY & CO., Surge -Dentist, respectfully
inform the nobility, gentry, and inh b' ants of Liverpool and its
vicinity, that they have opened an ..stablishment nermanently
at No: 38, SEEL-STREET, eir, it doors from terry-street.
They continue to fill up the cavities of decayed teeth with the
Mineral Marmoratum, without the le'ast pain, heat, or pressure,
it is placed into the cavity in an almost liquid state, and in a few
seconds gets hard, preventing and Coring the tooth-ache, ar-
r?sting all further piogresiof decay, and rendering the operation
of extraction unnecessary. The mineral not only converts a
mere shell into a sound and useful tooth, but by completely
stopping up the cavity prevents effectually that unpleasant taint
of the breath which invariably accompanies a decayed tooth.
Among the various disorders of the teeth and gums, there is
none more destructive in their effects, or more generally pre-
valent than scurvy, and it is well known that the loss of teeth
arises more from this cause than any other. It affects indivi-
duals of all ages and of all constitutions,. and is the primary
cause of tooth ache and decay; to those so affected Mons. Le
Dray & Co. have to inform them, that they can effectually re-
move this destructive complaint by a single application without
the slightest pain.
Artificial and natural teeth, of surpassing beauty, fixed from
ode to a complete set, without extracting the roots or giving any
pain, without springs, wires, or ligatures, answering all the pur-
poses of mastication and articulation, remaining perfectly secure
in their places, and may be taken out and replaced by the wear-
er with the, greatest facility,—at the following Paris charges :
A single Artificial Tooth £o 10 O.
A complete Set
A complete Set of Natural'Teeth on fine
gold plate l5 0 0
An entire Set of Natural or 'Ferro Me-
tallic Teeth, highly finished, in the first
style, with fine gold sockets, usually
charged' Forty Guineas
Loose teeth fastened, arising either from age, disease, or mer-
cury, and deficiencies of palate effectually remedied. Artificial
teeth out of repair, remodelled to lit the mouth, and restored
equal in beauty and durability to their original state. Attend-
ance from nine till seven and on Sundays from nine till two.
No. 38, Seel-street, Eiiht Doors from Berry-street, Liverpool.