The Appeal. [volume] (Saint Paul, Minn. ;) 1889-19??, 1919-08-02
''HANCON To WAR 3.
RISK INSURANCE."
Treasury Department Sends Out
This Advice to DemobiIized
Soldiers.
new POLICIES ARE PLANNED
Federal Government Perfecting New
Forms With Many Advantages
Which Insured Men Will Want
In Place Of Present Con.
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Washington.-A busy place these
days of rehabilitation is the bureau of
war risk insurance of the treasury de-
partment Of the United States, with it's
$4,000 employees and it's files contain
ing 100000 records.
Decentralization Is having the effect
OF making a large proportion of the
soldiers become transient for an in
definite period after leaving the serv-
Ice. Many Of the original addresses of
these men become useless, as thou
sands forget to leave forwarding adj
dresses and neglect to write to the bu-
reau. In this way many men are los
ing touch with the bureau and are
neglectlng their insurance. Hence the
efforts Of the bureau to keep in touch
with demObiliZed men are increasingly
difficult, as rehabilitation progresses.
Every possible agency is being used,s
including the Red Cross and public Or
CARNATIONS of many kinds.
Uncle Sam is perfecting plans for
the new forms of government insur-
ance which the demobilized soldier will
want in place of his war risk insur-
ance. But the soldier cannot change
his war risk insurance for this new in
surance unless his monthly premiums
are paid up to date on his old insur-
ance.
Advice to Soldiers.
The advice which is being sent out
from the bureau of war risk insurance
to the soldiers who have left the serv-
p ice may be summarized thus:
Hold on to your war risk insurance.
Keep up your premium payments.
If you have permitted your insurance
to lapse-even If you have formally
Cancelled it-hasten to reinstate it un-
der the new and liberal provisions for
reinstatement.
Write for advice or information to
the Insurance Division. Bureau of
War Risk Insurance, Washington, D.
c." Give your full name and your
address, your rank at the time of ap-
plying for insurance; If in the army,
of your insurance certificate, If known.
In sending check or money order for
your premium, make it payable to the
'Treasurer Of the United States" and
mail it to "Premium Receipt Station,
Bureau of War Risk Insurance, WASH
ington, D. c."
Uncle Sam provided every soldier,
sailor and marine with a right to a
policy for $4,000. If you can't keep
all of it, keep at least part of it. You
can reduce it If you have to.
You can convert to government en-
dowment policy which will assure
financial comfort In later years.
All policies issued by the govern
ment contain a total disability clause,
making them payable at any time you
may become totally and permanently
disabled, regardless Of your age.
A service man, after his return to
civil life, may engage in any occupa-
ton, no matter how hazardous, without
affecting his insurance.
No physical or medical examination
is necessary for the conversion of poll
cies.
Your government insurance is pro-
tected from the claims of creditors.
Neither you nor your beneficiary
ever will have to pay cent taxes to
the government on the proceeds Of your
government insurance.
You may pay your premiums by the
month, without having to pay anything
extra on account Of additional expense
to the government Of collecting month
-ly premiums. Or, If you prefer, you
may pay quarterly, semi-annually or
annually. The government pays all
the expenses Of running the business.
You may have the whole month In
which to pay the premium for that
month. If you fail to pay and your
policy lapses, you may get it back
through provisions for reinstatement.
Cash and Loan Values.
After one year the new government
policies will have guaranteed cash and
loan values, also paid-up insurance and
extended term insurance values. The
leash value" Of a new government pol
icy Is the amount the government gives
you If you choose to give up your in
surance. The loan value" means that
you can borrow money on your policy
up to "a per cent Of the cash value.
"Paid-up insurance and extended
term insurance values" mean that in
the new policies, if you stop paying
premiums after one year, the govern
ment allows one Of the following op-
tons: ~(1) To remain insured for a
certain time without cost to you. (2)
To receive a policy for a smaller
amount, which will be paid, no matter
when you die, and on which you will
not have to pay any more premiums.
= One of the most valuable features of
a government insurance policy is that
it provides for the disability of the
holder, as we'll as for his death. When
for any reason you become totally and
permanently disabled, you not only dc
not have to pay any more premiums
but the government pays you the full
& monthly sum called for by your policy
every month, no matter how long you
live.