The daily progressive-miner., 1917-11-06
U. 5. SOLDIERS AND SAILORS PROTECTED
 BY INSURANCE


 quiries made as to the protection of men in the employ of the government by way of insurance. The following is the act in reference thereto to pub. lished in the official bulletin:
 Article ".
 Insurance.
 Sec. 400. That in order to give to every commissioned officer and en- listed man and to every member of the Army Nurse Corps (female) and of the Navy Nurse Corps (female) when employed in active service under the War Department or Navy Department greater protection for themselves and their dependents than is provided in Article III, the United States, upon ap- plicaticn to ,.-o bureau and without surance against the death or total per manent disability of any such per son in any multiple of $500, and not less than $1,000 or more than $10,O00, upon the payment of the premiums as hereinafter provided.
 Sec. 401. That such insurance must be applied for within 120 days after enlistment or after entrance into or em ployment in the active service and be- for discharge or resignation, except that those persons who are in the ac- tive war service at the time of the pub lication of the terms and conditions of such contract of insurance may ap- ply at any time within 120 days there after and while in such service Any person in the active service on or af- ter the 9th day of April, 1917, who, while in such service and before the expiration of 120 days from and after such publication, becomes or has be- come totally and permanently dis abled or dies, or has died, without having applied for insurance, shall be deemed to have applied for and to have been granted insurance, payable to such persons during his life in monthly installments of s25 each If fa shall die either before he shall have lo-eived any of such monthly install ments or before he shall have received 240 of such monthly installments, then s25 per month shall be paid to his wife
 o~l tfa time of his death and during hnr x-id to h sc nhH widowed mother if and while they sur vive him; Provided, however, that not more than 24O of such monthly in stallments, including those recevied by such person during his total and per manent disability, shall be so paid; and in that event the amount of the monthly installments shall be appor- toned between them as may be pro- vided by regulations.
 Insurance Not Assignable.
 Sec. 402. That the director, subject to the general direction of the Secre- tary of the Treasury, shall promptly determine upon and publish the full and exact terms and conditions of such contract of insurance. The in surance shall not be assignable, and shall not be subject to the claims of creditors of the insured or of the bene- ficiary. It shall be payable only to spouse, child, grandchild, parent, bro ther, or sister, and also during total and permanent disability to the injured person, or to any or all of them The insurance shall be payable in 240 equal monthly installments. Provis- ions for maturity at certain ages, for continuous installments during the life of the insured or beneficiaries, or both, for cash, loan, paid up and ex- tended values, dividends from gains and savings, and such other provis- ions for the protection and advantage of and for alternative benefits to the insured and the beneficiaries as may be found to be reasonable and practica ble may be provided for in the contract of insurance, or from time to time by regulations. All calculations shall be based upon the American Experience Table of Mortality and interest at 3h per cent per annum, except that no deduction shall be made for continu- ous installments during the life of the insured in case of his total and per manent disability continues more than 240 months. Subject to regulations, the insured shall at all times have the right to change the beneficiary or ben eficiaries of such insurance without the consent of such beneficiary or ben eficiaries. but only within the classes herein provided. If no beneficiary within the classes herein provided. If no beneficiary within the permitted class be designated by the insured, either in his lifetime or by his last will and testament. or if the designat- ed beneficiary does not survive the in- sured the insurance shall be payable to such persons or persons, within the permitted class of beneficiaries as would under the laws of the State of the residence of the insured, be en- titled to his personal property in case of intestacy. If no such persons sur