The Virginia enterprise. [volume] (Virginia, St. Louis County, Minn.) 1893-19??, 1913-05-02

! demnity payments which may be in either
used Il policies which desIs nats q bsnsneiary
and Form OBJ to be used IN policies which do
.nots OBSTINATE any benefciary other than the
insured 6 payable, 70 the beneaeiary i sars
this policy are payable to the insured.
are payable to tn aae insuaed q tnls p0ney
! CD A standard provision providing for can
f the Gy At the Of the
! r. Il the insnred-shan at any time change
! his occupation to one classified by the insurer
policy. the insurer, upon written request Of
the insured and surrender Of the policy VIII
: Q3l A standard provision relative to the
rights Of the beneficiary under the policy which
shall be in the following form and which
may be omitted from any policy not bene-
/ 13, Consent Iof the beneficiary shall not be
requisite to Surrender or ASSIGNMENT Of this
policy. to change the beneficiary, to any
other changes in the policy. .
within which suit may be brought upon the
policy follows: :Est.
n. No action at law or in equity shall be
brought to recover on this policy prior to the
expiration Of sixty days after proof Of loss
has been filed in accordance with the require
m hs hso,, Of this policy nor shall such action
years from the expiration of the time with
policy.
!, :. Q5) A standard provision relative to time
Limitations Of the policy as follows:
l5. II any time limitation of this policy
| with respect to giving notice of claim or
furnishing proof Of loss is less than that per-
mitted by the law of the state in which the
such M s s Pse is
agree with the minimum period permitted by
such lava
Sec ec;;, T. No such policy shall be 8 issued
relative to cancellation at the instance Of the
insurer, or, ~ limiting the amount of indem-
the policy and for which the premium has
/ been paid; or, 81 providing for the deduction
Of any premium from the amount paid in
| settlement of claim; or, ~ relative to other
insurance by the same insurer: or, ~ relative
to the age limits OF the policy: unless such
tlonal standard provisions. shall be in the
! words words and in the order in which they are
its option omit from the policy any such OPP
tional standard provision. Such optional stand
ard provisions If inserted in the policy SHAH
named in section three Of this act.
i ~ An optional standard provision relative
10 cancellation Of the policy At the instance OF
| 1e. The insurer may cancel this policy at
s by t a noee to the
cash or the insurer 5 check for the unearned
Insured. and such cancellation shall be without
Rsse e1e<t to any claim originating prior
| ~ An optional standard provision relative
| to reduction OF the amount Of indemnity a
sum less than that stated in the policy as
II. If the insured shall carry with another
company. corporation, association or society
other insurance covering the same loss with
in that case the insurer shall be liable only
for such portion Of the indemnity promised as
OF Ike Indemnity in all policies covering such
loss. and for the return Of such part Of the
Pre- paid as shall exceed the pro rata for
! S) An optional standard provision relative
to deduction Of premium upon settlement Of
l 10. Upon payment of claim hereunder any
| premium them due and unpaid or covered by
any note or written order may be deducted
I therefrom.
! ~ An optional standard provision relative
to other insurance by the same insurer which
as may be appropriate to the indemnities pro
vided, and in the blank spaces Of which the
insurer shall insert such upward limits OF
indemnity as are specified by the insurer s
classification of risks. filed as required by this
/ (A:-19. If like policy Or policies. previ-
in force concurrently herewith, making the
aggregate indemnity In excess OF $ :,
! the excess insurance shall be void and all
premiums paid for such excess shall be re-
turned to the insured.
\
yiously issued by the insurer to the insured be
in force concurrently herewith, making the
aggregate indemnity for loss of time on &C
weekly Tor substitute the word ''monthly'') the
excess insurance shall be void and all pre-
miuIns paid for such excess shall be re-
turned to the insured.
| @:-19. II like policy or policies, pre-
viously issued by the insurer to the insured
aggregate indemnity for loss other than that
| OF time on account Of disability in excess Of
l$.:..., or the aggregate indemnity for loss of
$:...:;;.;,;.:, weekly (or substitute the word
/ '.monthly') the excess insurance of either kind
shall be returned to- the
| ~ An optional standard provision relative
the he age limits Of 1.-The the policy which shall be
! spaces of which the insurer shall insert such
number Of years as 1t may elect:
! 20. The insurance under this policy shall
not cover amy person under the age of $3.50.
I years, nor over the age of ........ years.
ANY premium paid to the insurer for any
Sec; 5: No such policy shall be 50 issued
provisions herenbefore in this act designated
asa shs or
or attached papers vary, alter. extend, be
used substitute for or in any way con-
Visions Visit '' or the sara Optional Standard Pro
! Visions shall such policy be SO issued or
de11Vered II 1t contains any provision purportlng
! to make any portion OF the charter, constitu-
ton or bylaws of the insurer a part OF the
policy unless such portion :. ~, Of ., the
icy, but this prohibition shall not be
tt app o risks is sd the
sioner OF insurance in accordance with the
PROVISIONS Of Of, thi t., act: - ..s.o. T.,
the application for any policy covered by. this
act shall not bar the right to recovery there
with actual intent to deceive unless it ma
risk or the hazard assumed by the insurer t.,
surer Of the receipt Of notice given under any
policy covered by this act or the furnishing
Of any claim hereunder shall not operate as
a waiver Of any of the rights OF the insurer
Sec. 8. No alteration of any written ap-
or otherwise, shall be made by any person
other than the applicant without his written
ton without the consent of the applicant shall
be a misdemeanor If such alteration shall
be made by any officer Of the ne. insurer SUI or by
be deemed to have been performed by the in
surer thereafter, issuing the policy upon such
Sec: 9: "A policy issued in violation Of this
act shall be held valid, but shall be construed
vision in such a policy is in conflict with
lany provision of this act the rights. duties and
4 oblfgati of the insurer, the policy holder
and the beneficiary shall be governed by the
provisions of this act
i accidental bodily injury sickness
!; issued by an insurer not organized
under the laws Of this state may
contain, when issued in this state
any provision which the law Of the state, ter
4 ritory or district Of the United States under
which the insurer Is organized, prescribed fol
insertion in such policies. and the policies OF