| Show T new jew A war risk policies ready former service men may now convert their insurance into permanent policy provisions ARE VERY LIBERAL ruling pan permits its reinstatement of 1 lad or C canceled an insurance before ried fore jy july 1 regardless gadle a of how long man has been discharged W washington IN V hen ben congress passed mo he s war risk insurance act which has been characterized as aa the roost mot lib eral cut law 8 ever p placed I 1 1 I a on the statute books book of a grill grateful ulm nation it provided that the mar wartime than policies which were pl planned nned to endure tor for only five veara cars might be converted into permanent f forma of f life loan insurance c to be I iud issued ud by the united go government admit A an ement of the actual provisions of nann th the new policies 11 which now low Is made crude red me was deferred I 1 until necessary ar a supple up p is mental legislation ahm could be p pd passed d 1 in order unit that the policies might be made models of ut allta T these policies are 1 issued ed to former colb and the service men I 1 and ad women e of the american forces a on terms which iava been aull ma ie exceptionally favor alile able in recognition of their sacrifices tile the g government pays pay all 11 the costs of ad I 1 A total inlet of applications tor for war mar risk in insurance ine e representing more than ime have been r received in th the bureau of war mar risk ansur once the in many anses es have been bac awaiting It lg deff definite idle announcement 0 o illg cut of th the terms of the new policies before ap pp ding tor for con conversion verton a of their that ia war risk insurance ns urance to permanent forms otto oth rs int canceled their w or ar risk inso once or permitted it to lop lapse inasmuch us as it li 19 nece necessary eary unit the war risk term honc insurance rattle must be in eff effect t at the time of conversion oa 01 to one of the permanent forms form of I insurance orare it 1 Is an 1 tiel that many who he dropped their I insurance annice will sill hasten to reinstate it under ad the liberal ruling rating which p pha permits ha rol reinstatement of lap lapsed id or candled in eurnice eurn nce nee any time before july 1 1920 on pill payment to it of oi onla 10 two lo monthly pre ons on the abou amou n of insurance to be reinstated the application to be ac coina idled merely by a satisfactory tory statement of if health the els 1 inO permanent oam t f dormi rm of united st states at goern government ment life ife insurance into which hah the wartime r time insurance mar be converted m er are ted 1 ordinary r life anit 2 tu t payment life 71 I 1 thirty payment life 4 bollt twenty aye year r endowment 5 thirty y you year cd endowment cut a 6 adu endowment act maturing at age ity two tn T the ne new and it important features Fea Flost turea th the principal fea features in the states govern government ent life insurance con tracts which I 1 tell have lien ben pad by Seer secretary clacy of the te rv D F hot to ton mol and are anre being issued fir by director R G tones of the but budeau call of I 1 war risk ANI boun insurance cose or are rrt first that the insured he has three optional si oell option 1 1 rt h insurance r ce parable in on one so sum et 0 o anler n dr this option will be nolde made on onla when hr the form hatt has blon clin it h hi the lord lo rd dorto blo alfr fi A time or the tha p ment 1 in one or sum b 1 r re quested in his jart will out rod tc tamest option 2 lu insurance ura rince in elect ed it installments the monthly 1 install toll bienn are payable for an all barred num nom her ber of monalia under their form of 0 ann cnn o tract not les IMS 8 than 0 to the d besig lg rated but if such bene be dies before the reed number of johnb 1 hat im lose been paid th alip P in will be manabi in a accord icib nor ance walli I 1 ahe be beneficiary fic ty provisions of nde the is policy option 3 insurance pill pa able in install menus through life the installments are mav he be pay payable ble throughout the life time blue of the if they co an elect but if such designated die dies before an such ch 1 in stall meets lo loi have I been paid the remain ing g unpaid monthly will sill he be payable in a a accordance ance with still the beneficiary le fief y P ismons ul tile mile total and permanent disability second tile hie policies provide for total and d permanent disability benefits to the insured red cIler cohering lg the entire period the policy Is a in a f forre I 1 and ad during the period of the insured a total and ad per I guient ent di disability ability ahe 1 I he tot total and per manent disability feature Is alo in eluded in tile paid up and extended tea fee tur tures of the me policy con such t total permanent di disability billay as re berred to in the policy contract art la 19 nav impairment of mind or body sheh renders it impossible 1 I for the disabled P to all follow a any sub sob stantin lly gainful gambol occupation find and the diagnosis of stitch 1 la founded upon coun conditions litt malih render it reasonably certain that the impairment will con c on done throughout the life of the arson far buffe suffering aig from it the total permanent disability ben file run may relate inch back to n late date not lot us ex ree beeding ding six months prior to receipt of it due proof of if such total abent it dis ability and any premiums due after the date at 0 each disability and ad such each six 1 mouth months it if paid shall ball be refunded without int interest t loss los of if sight without prejudice to nav other cause of if di disability billay it Is agreed that the I 1 irrecoverable o abla I 1 loss of the firlit of limit hoth ases ae s or in the loss of both hands handl or the I 1 loss of both feet or the loss less of one hand band unit one foot shall alan ile be consi considered dred as a tool gotai permanent disability ethl the con mean ing big of the contract and monthly in stallie talt monti ti tor for any of th clieo specifically enumerated causes of total permanent disability shall accrue from the date of suh feudi tot total permanent disability and ad nov pr premiums mahus bermah ber becoming mai due after such disability if paid ob shall 11 be refunded without interest it if there be a ion loan under order the policy then payments on a at of total per manent t disability shall be adjusted ne ac cordingly eor if the policy be ao cadow do cocat meni and one or more monthly b installments have been paid lit on a account u nt of total per manent t it disability 1 on the 1 insured ared auly at the end it of at the endowment period sur r render his policy for the commuted value of if 1 atoll 1 lesa the paid 1 less olly ally indebtedness div dividends diled third the policy shall P participate it in and recene such each it dividends I 1 blonds from 1 I as led ind as aa ma anav be determined by the director of the bar bureau of me war 1 ra risk 1 1 hourany houra ns uranie nm with sub the a approval r met of th alie sec rotary detary ut of the try tr PP y any diled dividend d so apportioned only may ile he token taken 1 in cash suit and it if not at so taken shall bull be left 6 on de posit to a at such rate of in te terest ns BS the a secretary detary of athe the ti Y mv mav d di ermine but at n rate at never less us than S per let compounded ima aud credited annually all and lit if bot at withdrawn at the maturity of inch polle policy to the person entitled to it its pre proceeds in incontestability fourth tile bloh a bull he In contest able from amu the emte they take except for of pre premiums unum on and are rel issued 1 ariee of as to travel residence occupation 1 or r hlll 11 IT or naval I 1 except that b t tile the allm or of t the in lii insured aroni the military 01 k 11 nail 11 firof foicey ill ahe volt lueda states on the ground thit ile he ia Is an alien lle benm oh in jector or a d deserter arter I 1 or n gulliv of milling niolon ire epli or 1 adv afe 7 J hing moral turpitude or willful mid and p persistent lecat misconduct shall jull tl t l note nate this lo locce insurance c ce and bar all rights it under cash S surrender sods and ad lear fifth cash u and in burance n insurance and ad poll polica lomi brov ro allon he be effective out fu r P aimo for far 12 full fall cri months milot b have bv v u dpn paid all 11 values reserves se e and it net act being baled on 11 in ie Aulert american con table of to Ito lill still interest t at 3 per per anmon inn urn blath amm premiums amr are r due clue and pa able on the just hist 11 d ly of 1 each I calendar biar month in in advance in legal a tender of if the united stales to ter of america to the tc aurer of the u united cited aites in the city of W anili ac district of columbia premiums uco mn be land costly sei aff nualla or quarterly quart eily in advance in which 1 lh case the he premium pic payable y able win will be the sum sinn of the monthly premiums premium f tor or lh the p period nd discounted at 3 per to per annum at maturity he bv death or otherwise oe put ahn discounted value at 31 per tum pr per annum of tin the premiums paid in advance amid the current cal chor month shill tic be refunded to the insured if living oth erwi erale to the benefi beneficiary clary re reinstatement tat ment seventh th tb the government gover and policies it ft not surrendered for far cash surrender value 1 u e may be 1 reinstated I at I 1 any alma clu uh after t r I 1 jipse e up upon a evaldi nee of the I 1 insurability of the insured satisfactory to lo the bureau of mar bar risk k insurance and upon the payment of all premiums in arrears still interest tn lerest from sevat pral due dates at the rate of 5 per par per annum and the pal meet or ml of any indebted indebtedness w which hilb existed at the time lime of such default with poll policy lon ifland inte Irit ert it flow elow ever a II 11 1 such each with it interest Inter pat would exceed tile the reserve a of the poll policy at the time of ap application p lie thin for rel reinstate tate ment anent of said aid p polka 11 then the amount of a such ah h excess shall hall he be paid bv the in area as a condition of tile the an aunt nt of indebted indebtedness unit and of the policy T alie all policies a or ore now 1 in the b hands or of the government printing office and will sit he be issued to all fl who bae I 1 availed tied themselves ahlo of if their privilege e to co convert rt ahe he wartime or time term 1 insurance nce in into to tile new to fnnnk of united states ta government life insurance poll cle it Is believed that hat in these theae con ohp in goi eminent jeaa be agnen 9 n to pour a nil I 1 brice suit and ex hs h men e and soc women a a policy of unusual value T to whom insurance payable in ann announcing eang new rulings director Cholm clev jo lones desires desire to emphasize the fact that or risk term insurance or uit united 1 1 it states santes g goi e eminent norvert t ed it it life 1 havu insurance may mar now be mada ad payable to a any of the following new and enlarged clanged group of parent grandparent step parent paren u wife ife or husband b iu dould child st at adopted child grandchild brother sister half brother lull half bister fister brother alir h adopt adoption sister through ahi adap tion att li plu other parent treat adopt adoption untie aunt nephew Ou niece dince brother in n law ammer mister I 1 in in law persons parsons who have stood in the relation lim of a parent to tile insured for far a period of 0 one year or more prior to ul bis ehll ealm feero ment or induction 0 or r the h cl child J lit or children of such per persons parent granil grand parent step barnt or parent through adoption of the insured a wife or lr hi band V or ar risk ik to term insurance ns urance may inny rt its converted I 1 it lot into united st states tell gave govera mint life binm lines now or ar at t at say any time than within ove years it after e r t the he fam formal I 1 termination of the war b by y pr proclamation oct of the president |
