Every evening, Wilmington daily commercial., 1918-12-02
PEACE NOT TO STOP
US. WAR INSURANCE
Soldiers Will Keep Up Cheap Risk
if They Are Wise, Says
Haskin.
By Frederic J. Haskin.

To the government arscnals. and return
tn their old undisciphncd, nccktled
existence. but they will keep the IN
slrance policies written Tor them by
the War Risk Bureau They will Il they
are wise that IS.
For this government war TiSk IN
ei,rancc Is the best and cheapest written
Nv, any institution anywhere IN the
world That the men themselves ap-
preciatc it's opportunities IS shown by
tho gact that our army and navy rs a
whole have applied ter II, with the CN-
ecptiop of a few conscientious obICCtorS
In All fairness 10 these men who have
stood between Il and destruction, the
government feels that their insurance
should 90 ON Many men who are for
tunatc enough to have escaped injury
in the vals will never get any return
on the premiums they have paid II thcir
policies lapse whom they aguu become
civilians.
Il Easy TO OBTAIN.
Others Who have Eccn weakened
or disabled N lie conflict will have
great difficulty in getting private IN
surancc companies 80 insure thom \
man returning from the front with tu-
hcrculu>lS or heart trouble. for example.
could Obtain insurance only upon tho
ndNI0tNI 81 very fhRl IitititNItl
But the government intends 10 con-
tinle tile insurance Of its soldiers and
sailors regardless Of disability The
mon Vill NOT even hc asked ~ pas
physical examinations
Furthermore. men will be permitted to
change thclr present straight life pollcir~
into more attractive forms 1T insurance.
The War Risk Bureau has gone INTO the
matter cXhaustivcIy. and has finally dc
rlared hat within five wears after the war
Is over. a@ declared hy presidential procia
nation every American soldier aud sailor
viii hc permitted to exchange h- govern
mcnt life insurance pohcH for a tWCntN-
payment life or endowment policy pay
able after 4 certain number OF Years "r
for any Of the various kinds ut pnlClcS
written hv the largC private insurance
cornpanics The premiums on these
policies will hC on the same inexpensive
scale Is those on the present war risk
policies Government insurance i always
cheaper than civilian insurance. because
the business Is not operated ior profit
The War Risk Bureau Is n1V about to
launch 4 campaign 70 advise NnCucau
soldiers and sailors, as Well 9S all the
American people. Of this change Of policy
The American men can leave tho ranks
without continuing their Insurance II th Y
really feel that thcy da not care ~ take
advantage &c the new opportunity, TINT
thcx must not leave the rank ignorant Of Il
The War Department and the NAVY l)c-
partmcnt have both detailed officer m
every garrison and cantonmCnt to cN-
plan the proposition to each dtShaudlug
COMPANY and every effort viii be made to
give IL publicity throughout the country
ASK RELATIVES r. AID.
AU relatives 81 men in the American
forces are asked IL give the matter their
earnest consideration and % use thor
influence To gct their kinsmcn ~ rctaln
their government poIclcs FOR the rcl9
tIves are.alwaYS benctlclarics II insurance
An insurance policy IS often the on'y
thing hat stands between 2 relative and
the duty Of supporting suddenly or
phaned family
The large insurance canpanIc> 81 tiiC
nation have come forward WITH Il ct1cr
of splendid support and co-opcialon IN
this government campaign With ihcr
tremendous organizations Of trained agents
dajlvyisltinC millions OF American homes,
they are IN n position to E,yc he pro-
nos, tion the widest KIND oi publicity.
Insurance men have announced hat they
are Gid to do this for two reasons llrSt,
they are eager TO show thor appTcclat-
ION Of the American men who m saving
rthe nation also saved the insurance
compan,es OF that nation. and thCy know
that this government insurance IS The or
nortunItv of a lifetime Moreover, ID
urging American soldiers and sailors not
10 let their policies lapse they are also
advertising the advantages q insurance
IN general
The insurance o. It's military forces by
the government has IN ItSei' bcen large
advertisement 81 insurance over ! .2N,HU
men have taken out insurance pohcIcs
who never gave the matter serious con
sideratIon before Many have seen the
benefits af his insurance il actual 0perat-
ION They have .ccn young men 60 over
the top with remarkable courage born Of
:he thought that il they fell 1t least their
families would be well cared for
WIFE WELL cABFp roE.
Recently. vounC officer returned to
Washington on = short leave 81 absence
from the front ouc of hls FIRST duties was
to look up the wife and child oi has former
college chum wbo had hecn klllod in the
trenches ANA sec + he could be of any
assistance Tie found hat the Young wife
had taken u war Ioh IN order to have
lew hours IN winch she might forget
and that her salary. together with the
monthly lnStaltuent> from her husband
$4,000 lIf, insurance. more han provided
for herself and cflld
The government through It's War
Risk Bureau has paid. and IS stlll pay
ing. thousands Of such claims The
Bureau has over forty billion dollars
worth Of insurance on its rolls Need
less to say. his Is the largest amount of
insurance that has ever been carried
bv one concern The insurance written
bv the government has averaged s.
80 OO0, 600 u month or S64z 000O 600
week. or So 600 900 per day, or s.
500. 900 an hour. So 900 a minute or
$1,000 per second The premium IN
come collected monthly hv the Bureau
is approximately SI43.0O0O 600.
This Insurance represents tile claims
OF over 4.20O000 mcn distributed ID
amounts Of about $4,000 per man.
From the very beginning when the
first government policy Was written
the men have uuhcsitatingly accepted
II. Among tine illiteratc individuals
drafted into the arrny-rand American.
will regret to hear that there ha.
been surprising number little
Skepticism was felt at first 10 them
the word government il often svnony-
nous with tyranny, and they were
disposed to be cautious. 1t took 4
good deal of explanation on the part
Of their officers TO make them sec its
benefits Then they became its strong
s.-t iJIarnuf