The Bennington evening banner. (Bennington, Vt.) 19??-1961, 1913-03-05

insurer which filed such form that It
does not comply with the requirements
OF law, specifying the reasons for their
opinion, II shall be unlawful there
AFTER for any such insurer to issue any
policy In such form. The action of
SAD commissioners in this regard shall
be subject to review by a court of COM
petent Jurisdiction, provided. however.
that nothing in this act shall be SO con-
strued as to give Jurisdiction to court
not already having Jurisdiction.
Sec. 2. No such policy shall be so
issued or delivered unless the entire
money and other considerations there
TOT are expressed In the policy; nor
unless the time at which the insurance
lthereunder takes effect and terminates
Is stated in a portion of the policy pre-
ceding its execution by the insurer:
nor If the policy purports to insure
more than one person; nor unless every
printed portion thereof and OF any en-
Idorsements or attached papers shall be
plainly printed In type Of which the
face shall be not smaller than ten
point; nor unless brief description
thereof be printed on its first page and
on Its filing back In type of which
the race shall be not smaller than
fourteen point; nor unless the excep.
lions or the policy be printed with the
same prominence as the benefits to
winch they apply, provided, however.
mat any portion of such policy which
lpurports, by reason of the circum.
stances under which loss is incurred
to reduce any indemnity promised
thereln TO an amount less than that
provided for the same loss occurring
under ordinary circumstances. shall be
printed in bold face type and with
sreater prominence than any other por
ton OF the text of the policy.
sec. 3. Each policy so issued shall
contain certain standard provisions
which shall be In the words and In tine
order hereinafter set forth and he
preceded In each policy by the caption
STANDARD Provisions" In each such
standard provision wherever the word
insurer is used, there shall be sub
stituted therefor company" or "cor
poration" or association" or Society
or such other word as will properly
designate the insurer Such standard
provisions shall be-
one. A standard provision relative
TO the contract which may be in either
of the following two forms: Form (A)
to be used in policies which do moi
provide for reduction of indemnity OF
account of change of occupation. ant
Form OBJ to be used in policies which
do so provide. If Form OBJ is useC
and the policy provides indemnit,
against loss from sickness. the word,
"or contracts sickness" may be insert
ed therein Immediately after the word.
! In the event that the insured is in
jured:"
(A:-1. This policy includes III,
endorsements and attached papers. i
any, and contains the entire contrac
OF insurance. No reduction shall b,
made in any indemnity herein provid
ed by reason of change in the occupa
ton of the insured or by reason of hi
{ doing any act or thing pertaining e
any other occupation
DBL. This policy includes tn,
, endorsements and attached papers /
any. and contains the entire contrac
OF insurance except as it may be mod
! ihed by the insurers classification o
J rlsks and premium rates in the even
: that the insured is injured after hav
ing changed his occupation to on,
classified by the insurer as NOR,
hazardous than that stated in III,
; policy or while he is doing any &C
: or thing pertaining to any occupation
so classified, except ordinary dutie
, about his residence or while engaged il
= recreation, In which event the insure
r will pay only such portion of the in
, IDENTITIES provided in the policy as tn
5 premium paid would have purchase,
5 at the rate but within the limits g.
5 fixed by the insurer for such NOR
hazardous occupation.
II the law of the state in which tn
insured resides at the time this polio
is Issued requires that prior TO it's is
sue statement of the premium rate
and classification of risks pertaining Z
ii be filed with the state official ha,
ing supervision OF insurance in sue
state, then the premium rates an
5 classification of risks mentioned in thi
2 policy shall mean only such as hav
} been last filed by the insurer in a,
2 cordance with such law. but If sue
J filing is not required by such law the
J. they shall mean the insurers premium
| rates and classification of risks las
made effective by 1t in such state prio
= to the occurrence of the loss for whic
: the insurer is liable.
Two A standard provision relativ
> to changes in the contract, which shal
l. be in the following form:
n .. No statement made by the al
|. lplicant for insurance not included her,
r in shall avoid the policy or be used I
l. any legal proceeding hereunder. n
= agent has authority to change thi
> policy or to waive any of its provisions
s No change i'm this policy shall be vail
S unless approved by an executive of
e Ger of the insurer and such approve
g be endorsed hereon.
Three. A standard provision rel;
C tive TO reinstatement Of policy afte
o lapse which may be in either OF Oh
three following forms: Form CAD {
l. be used in policies which insure onl
Z against loss from accident; Form (B
d TO be used in policies which insui
8, only against loss from sickness; an
4 Form (C) to be used in policies whio
Il insure against loss from both accider
l. and sickness.
n (A):-3. If default be made in n
S payment Of the agreed premium Il
d this policy. the subsequent acceptanC
o OF a premium by the insurer or by an
4 Of its duly authorized agents shall r
instate the policy, but only to GOV,
e loss resulting from accidental injuI
r thereafter sustained.
n Obs. If default be made in Il
payment Of the agreed premium Il
&c this policy. the subsequent aCceptanC
II Of the past due premium by the Il
IsnIer or hv any of its duly authorize