St. Paul tidende. [volume] (St. Paul, Minn.) 1902-1928, 1913-05-02

demnity payments which may be in either
Of & the two following forms: Form "a to be
not desisnaSte' any I be assS an P' other G than the he
N):-11. Indemnity for loss of life Of the
insured is payable to the beneficiary i sur
tate Of the insured. A All e other inde n tie of Of
this policy are payable to the insured.
OIL. All the indemnities of this policy
are payable to the insured.
q2) A standard provision providing for can
collation. Of the policy at the instance Of the
~. II the insured shall at any time change
his occupation to one classified by the insurer
as less hazardous than that stated in the
policy. the insurer, upon written request of
the insured, and surrender of the policy. will
cancel the same and will return to the insured
Q3), A standard provision relative to the
rights OF the beneficiary under tho policy which
may be. omitted from any policy not q bene-
10, Consent of the beneficiary shall not be
requisite to surrender or assignment Of this
policy, Or to change the beneficiary, or to any
other changes in the policy.
90 A standard provision limiting the time
Within which suit may be brought upon the
policy as follows: .
IA. 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 beer. filed in accordance with the require
ments Of this policy, nor shall such action
years from the expiration Of the time with
in which proof Of loss is required by the
policy.
dD A standard provision relative to time
Limitations Of the policy as follows:
is. If any time limitation Of this policy
f Masn lSaPe Proof 70 Of f'E loss is nG iess than ot f that pe or
mitted by the law Of the state in which the
insured resides at the time this policy is is
agree with the minimum period permitted by
such law.
Sec; 4. No such policy shall be SO issued
! or .doI1vQrn1 ND 0rfo3n nnu roIiofo =
relative to cancellation at the instance Of the
insurer; or, ~ limiting the amount of indem-
been paid; or, B) providing for the deduction
Sc snS RFe Of eIa,m from or, th b, s ssfsfiVs p Rai atn in
insurance by the same insurer; or, () relative
to the age limits OF the policy; unless such
tional standard provisions, shall be in the
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 # inserted IN the policy shall
Immediately succeed the standard provisions
named In section three of this act.
~ An optional standard provision relative
70 cancellation Of the policy at the instance OF
the insurer as follows:
10. The insurer may cancel this policy at
ANY, tune er by n3a,, Mait It, hin no IL e. . delivered q /, to sso the
by the records CT the insurer together with
cash or the insurers check for the unearned
insured, and such cancellation shall be without
prejudice to any claim originating prior
~ An optional standard provision relative
to reduction of the amount Of Indemnity to q
sum less than that stated in the policy as
II. II the insured shall carry with another
company. corporation, association or society
other insurance covering the same loss with
out giving written notice to the insurer, then
in that case the insurer shall be liable only
for such portion Of the indemnity promised as
the said indemnity bears to the total amount
Of like indemnity in all policies covering such
loss. and for the return Of such part Of the
premium paid as shall exceed the pro rata for
the thus determined.
~ An optional standard provision relative
to deduction, of premium upon settlement Of
IS. Upon payment Of claim hereunder any
premium then due and unpaid or covered by
any note or written order may be deducted
~ An optional standard provision relative
to other insurance by the same insurer which
shall be in such one Of the following forms
vided, and in the blank spaces Of which the
insurer shall insert such upward limits Of
classification OF risks, filed as required by this
act.
eus M}'E Issued i ~ a thu hike ,n Reiley to s5 tss Insured PaeY 5e
in force concurrently herewith, making the
aggregate indemnity in excess Of $ -. :,
the excess insurance shall be void ana ali
premiums paid for such excess shall be re-
Bl;-ls: # a like policy or policies, pre-
IN force coneurrently herewith. making the
weekly Tor substitute the word "monthly') the
excess insurance shall be void and all pre-
miums paid for such excess shall be re-
turned to the insured.
,C);;-lo. If a 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
| time on account Of disability in QycaSa of
'.nonthly'') the excess insurance Of either kind
excess shall be returned to the insured.
An optional standard provision relative
spaces of which the insurer shall insert such
number Of years as it may elect:
not cover any person under the age Of ......
years, nor over the age Of ........ years.
Any premium paid to the insurer for any
turned upon request.
Sec: 8: No such policy shall be 80 issued
Trajectory. in whole or part, of any of the
provisions hereinbefore in this act designated
d dsrd ds1 P9oVision n;"Vi nor shall al as any o in i senas
used as a substitute for, or In any way con
1 Visions lw''1 or af the 81 said ine s.op adea S Standard Pre- Pro-
delivered If it contains any provision purporting
ton or bylaws of the insurer a part Of the
policy unless such portion OF the
Sharts sst c fo9{S in f ST 0y IN tn. ' nall
icy. but this prohibition shall not be
deemed to apply to any statement Of rates or
classification Of risks fled with the commits
sioner Of insurance in accordance with the
provisions Of this act.
Sec. 9. The falsity Of any statement in
the application for any policy covered by, this
act shall not bar the right to recovery there
with actual intent to deceive or unless it ma
terially affected either the acceptance Of the
risk or the hazard assumed by the insurer.
Sec. 4. The acknowledgement by any in
surer Of the receipt of notice given under any
policy covered by this act. or the furnishing
Of forms for filing proofs of loss. or the &C
Of any claim Hereunder shall not operate as
a waiver of any Of the rights Of the insurer
in defense Of any claim arising under such
Sec. s. No alteration OF any written ap-
plicatIon for insurance by erasure, insertion
other than the applicant without his written
consent. and the making Of any such altera-
ton without the consent Of the applicant shall
be made by any officer Of the insurer, or by
any employee Of the insurer with the insurers
knowledge or consent. then such act shall
surer thereafter issuing the policy upon such
altered application.
Sec. o. A policy issued in violation Of this
as provided in this act. and when any pro
vision in such. q policy. is IN conflict with
any provision of this act the rights. duties and
obliga stn Of so the i aSa1E BE- the reva gollSy b Sol fhe
Sec. 10. The policies of insurance against
;ss;,es bv badly adj ,ns an5n!y not fF or s3shnesi
CONTAIN. when issued in this state,
any provision which the lay Of the state, ter