The Lynden tribune. [volume] (Lynden, Wash.) 1908-current, 1919-07-03
Lynden's Soldiers Should
Keep Their Insurance
(By Ensign D. P. Kohl, Insurance
Officer, Bremerton)

of their dying. To these men we
say = THE possibility of death OF
permanent disability is ever present;
there is just as much need for insur-
ance protection NOW as there was
during the war"
Influenza alone killed more young
healthy and vigorous persons in the
world generally, than were killed
by bullets and disease during the four
and one-half years CT war. Yet
these men come to us and say - Il
don't need any insurance.
True enough, influenza cpidemiccs
are not likely to occur every year, nor
even frequently. But, don't think
that because you are healthy and
strong. with a bright future before
you, that you don't need insurance.
We give below a table showing ap-
proximately what your normal chanc-
es of dying are, according to the
American Experience Table of Nor
tality:
Between age 25 and 35, Z out of SO
Between age 35 and AS, 8 out of 80
Between age As and 55, 10 out of rs
Between age 55 and 65. Is out of Ga.
In other words. your chances of
dying between the ages of 25 and
is are approximately s out of 3.
II you are insured, your loved ones
are protected. Your insurance pro-
vides the money which will feed,
clothe and house them should your
death occur prematurely.
Your Government Insurance is a
good thing = HANG ON TO 1T -
don't let your policy lapse.
| II you have let it lapse, either
thru carelessness or misunderstand-
/ ing, you can reinstate it within six
months from date of lapse. without
medical examination, provided that
you can certify that you are in as
good health now as you were when
the policy lapsed. If it has lapsed
for a greater period than six months,
it may be rcingtated provided you
take another medical examination
| In either case it will be necessary
for you to pay the back premiums
on any portion Of the insurance
reinstated.
After you get out of the Service,
it will be necessary for you to send
in your payments direct to the Bu-
reau of War Risk Insurance, Treas
ury Department, Washington. D. c..
Make your checks payable to Treas
urer of the United States"
To reinstate your insurance, to
make any change in beneficiary, ad-
dress, etc, or when forwarding pre-
miums on your insurance. address
your letter to the Bureau of War
Risk Insurance, Treasury Depart
ment. Washington, D. c." and give
the following information:
(a) Your first. middle and last
name in full (print or typewrite);
(b) Rank or rating. organization,
station, regiment, ship, etc, at time
of applying for insurance.;
(c) Your rank, or rating, organi-
cation. station, regiment, ship. ETC.,
at time of separation from the SER
vice; also date of discharge;
ID Your insurance certificate
number Gif known to you;)
(e) Your present address.
The Government insurance issued
during the war is a temporary type
of insurance known among life in
isurance men as Term Insurance"
1t is a type of insurance generally
taken to provide protection over an
emergency period.
The cost of this War Risk (term
Insurance increases as the years GO
by. For instance, were you able to
carry this type of insurance indefi-
nitely, by the time you reached age
65 you would be paying $3.50 per
month for $4,000 insurance. You
Will see lhat thio AAiohSo viz 'NNS 90
the latter years exorbitant.
When you look into the matter OF
the new Government policies you will
find that the premium that you will
pay at your age is higher than you
. are paying for the War Risk lnsur'
ance. There is reason for this.
On the new plan, the cost OF car
rying the risk is averaged so thai
you pay level premium each year
this premium does not increase. Fol
example. if you are age 25 at youl
!, next birthday and take out an Ordi
nary Life policy, the cost would bs
$1.29 per $1,000 per month, and thi.
same premium would apply year aftel
year without increase.
In the long run the cost of the new
insurance, if you should discontinue
your policy at any time, is considera
bly, less than you are now paying be
a cause you always have the cash sur
: render value, refund which is mad,
should you cancel or lapse your in