St. Paul tidende. [volume] (St. Paul, Minn.) 1902-1928, 1907-05-10

ssssNNI sMFsgSs1 1ssessGN 49, - MS
any amount payable hereon In any set
GpNbITIoNs.GlThe policy may here
son of travel, occupation, change of res-
id healles and suicide. These rsstrictio ne
naval service in time OF. war, must he
applicable only to cases where the act.o
the insured provided against occurs with
in two years after the issuance of the
Observation-Disclosures policv
constitutes the entire contract between
the parties n shall be incontestable,
from it's date, except for non-paylr1ent OF
vided in this policy. All statements made
by the insured shall, in the absence of
fraud, be deemed representations and not
W~arranties and no such statement shall
avoid this policy unless 1t is contained in
a. written application, and a copy Of such
application shall re endorsed upon or at
tached' to this policy when issued.
ciary has been overstated, the amount
payable hereunder shall be such as the
premium paid would have purchased at
PARTfCiPATIoN.-This policy shall
participate in the surplus Of the company.
and beginning not later than the end Of
| ia \AAAoSA AoIS S~SOAiA. VI 4A41& JbOAiA'v
year the company will annually deter
mine and account for the portion Of the
divisible surplus accruing hereon.
of the owner Of this policy IS shall on the
................ day of ...............
Of each year (here may be inserted after
the first policy year or latter the Sec
ond policy year') be either
Is APPLIED Na1a toward Fl the payment o. any
premium or premiums, or
l9 Applied to the purchase 'oe paid-un
annual installments at the same, times as
the original amount insured under this
policy is; payable. The payment Of such
twenty tnsta1lments she'll DISCHARGE the
such dividend additions: or
CD Left to accumulate to the credit of
the policy. with interest at (here, insert
company in calculating It's ~reserves) per
centum per annum and payable at the
maturity Of the policy, but withdrawable
on any anniversary Of the policy
elect otherwise, within three months after
the mailing by. the company of a written
notice. requiring uch election, the divi-
dends shall be paid in cash.
NUNS have Seen th psid f tba s yeaas, pr st
any time. while tRis policy is. in force.
VIII advance, on proper assignment OF
this policy n on the sole security there.
1 OIS az d IdlS VI llLeT0SC IlOC ETGdtGr ina
:.:....:.. per centum per annum which
Interest, II not paid annually. shall be
added to the principal and bear the same
rate Of interest. a sum equal to, or. at
less han the reserve at the end Of the
current policy year required to provide
for the twenty installments payabie I'M
der this policy and for any dividend a q
d1t1ons thereto n no more, computed
according to the designate mortality Ia
BILE adopted by the company for comput-
ing reserves mortality table, and inter
terest adopted by the company for com
putting reserves) per centum per ann,lm.
less here may be inserted not more than
amount aMo and 'ns onedhh al +n per no nentt nm Of ef the the
dividend addition thereto. The company,
however, will deduct from such loan
value any existing Indebtedness to tho
balance of the premium for the current
policy year, and may collect interest in
advance on the loan to the end Of the
S Gafren. p h2[ * year eaInns such III loan an may naSaa D.
ing six months after the application
therefor is made. Failure to repay any
such advance or to pay interest shall not
edness hereon to the company shall equal
or exceed such loan value at the time OF
such failure. and until n month after
n no11ns, shall a +h have I've been BEEN mailed sd , = by ths the
insured and Of the assignee, If any. NJ
condition other than as herein provided
shall be exacted as a prerequisite to any
such advance.
AsSIGNMENT-No assignment of this
policy shall be binding upon the com.
pany until It be filed with the company
at its said home office. The company as.
sumes no responsibility as to the validity
OPTIONS ON SURRENDER Oh
been in force three full years the owner
within one month after any default, may
ca To accept, the value Of this policy
IN es fSrcs r 2rd hav 5at the g. iGG sYgasEfs x} G%f9gns1qqfs s,!
ture participation Inc without the. right
to loans, for it's face amount. includine
n outstanding dividend additions, less
any indebtedness to the company hereon
(c) To purchase non-participat1ne
paid-up insurance payable, except. as
a a%nGei on tbe P se%s ea;nd 1t the as qS,s times me.
at the date Of default required to provide
for the twenty installments payable un.
ditions thereto, computed according t.
the designate mortality table adopted by
the company for computing reserves
mortality table and interest at the rate
the company for computing reserves) pei
centum per annum. less (here may be in.
serted not more than two and one-half)
policy and of any dividend additions
thereto, and less any existing indebted.
ness to the company on this policy. Pay.
by the ompan for not exceeding six
months after the application therefor is
MADE: II term for which the insurance
VIII be continued or the amount of the
paid-up policy will be such as the cash
value Will purchase as a net single pre-.
MUM at the attained age Of the insured
according to the designate the mortal.
ity table adopted by the company fol
interest at the rate of designate rate OF
interest adopted by the company fol
computing reserves) per centum per an.
more than sufficient to continue the in.
surance to the end of the endowment
term named in this policy. the excess
manner non-participating,. paid-up pure
endowment, payable at the end of the
endowment term and or. the same condi.
tons; # the owner shall not within on
to the company at it's home office for q
cash surrender value Or for paid-up in.
surance, as provided In options (a) ant
provided in option 1b). The paid-up Of
continued temporary n pure endow
ment insurance will be payable in twent,
equal annual installments and the pay.
option shall discharge the company from
all liability under this policy.
The figures in the following table art
computed in accordance with the above
provisions and upon the assumption thai
there is n Indebtedness on the policy
and that there are no outstanding divi.
dend additions.
cat the option of the company the fol.
lowing may be here Inserted: The fg.
ures apply to a policy for $1,000. AS this
contract is for $............... the loan