Trench and camp., 1919-04-17

ms catechism:
4 what 10 ths form Of my present insur-
ancs poIiey7
An4-Annual renewable term Insurance.
Un@er this policy ySW are insured @t net
s@tsI Dat you have mo- privileges o. cash
enee- You have. However, an option su
ether forms of Insurance without mSAicsl
examination.
4 How long may continue to carry tAis
Term Of insurance and hew do pay pre-
zaiums after my discharge from the Nevy?
An&-Ysa may continue this present form
q insarancs for Ave years after declaration
nrst Of each month, and after ysu leave the
eefvlee yea shsuid draw o cheek e. money
snder to the TreasuFeY Of the United States,
%n 1sma to the premium receigts section.
5ureAu OF War Ris& InSuranee. Washington.
-. e. and be sure that you send with this
check or money order
D YeuR fun mamss and address.
co HeuE Ea@h or rating NJ tAe tlms yea
aRDRied for insuzAass.
go Ths plaes. II Dessihis. whore ysu aD-
DAssa fer yossF in.uranes nslAay.
- ~ Munster Of yeur imsurasee certificate,
q Do the premiums on my present form
future?
) Ans.-Yes. ysur premium will increase at
the premium rate 1T the age one year older
snan you were when yoa applied for the IN
sne month Of 1uly, 1918, and will increase In
Ahs manner I'm July OF each year thereafter.
excsDttng that there win be no increase In
yeur premium rates until July. 1929, IL you
es4 not make application before July I,
1873, your premiums will increase every
July beginning with July. 1929, in any event
Of insurance.
4 Nay / pay several months premiums
On my present policy at one time?
Ans.Yea. having I'm mind that the pre-
AGh hoRfn
the month Of July, as shown in the answer
to Question q.
RIGHT TO COMPENSATION
g. What does my present policy cover?
AnG-It insured you against both death
and total permanent disability
9. What Is the difference between the
disability clause in my war risk insurance
policy and my right to compensation?
Ans-Compensation is separate from, and
in addition to, insurance You pay no pre-
mium- for your rights to obtain compensa
tion. You will receive, for any disability
suffered In the service q result of such
service. providing the disability does not
result from your own wiffui misconduct, an
amount Of compensation dependent upon the
degree OF your disability. This disability
need not be Of permanent character. Re-
member that If you are insured the govern
nent makes two separate and distinct pay
'ments to you II you become totally and per-
manently disa abled while in the service or
result of your service-the one under
insurance and the other under compensation
II you become only partially disabled the
payment will be made only under compeR
@afion.
If you become totally and permanently dis
abled you will receive an award under COM
pensAttOn. and you will also receive an in
come of $5.75 per month from your insurance
for each 81 GOO Of insurance you carry, pay
able for life while totally and permanently
disabled. II you die while receiving total
permanent disability benefits under your in
surance. bat before you have received 240
q
$40 installments will go to your beneficiary.
You are entitled to collect under your in
surance policy for total permanent disability
whether the disability occurred before or
after your discharge from the service, and
whether not It was the result of condi-
tions arising on account Of your service in
the Navy.
z. what Is total and permanent disabil-
Ny?
Ans.-Total and permanent disability is
san Impairment of mind or body due to in
jury or disease, which will prevent the in
6Nred from following continuously and per-
manently any substantially gainful occupa-
such disability occurs No policy issued by
any regular insurance company provides for
similar benefit should disability occur
after the insured reaches age s.
POLICIES CAN BE REVIVED
& Suppose fail to pay my premium on
the Arst Of the month. How long 8 period
Ans.-untif the end Of such month. during
which time premium will be accepted. even
~ you are then In poor health. You have
further period during which time you may
revive your policy upon evidence of insur
ability satisfactory to the Bureau of War
Risk and upon payment of all premiums in
arrears with interest at a rate not to ex-
ceed six per cent"
g. Ny beneficiary has never received a
policy certificate. Am / insured?
Ana-Yea. You need not worry about
this matter The government In paying
claims every day to beneficiaries who have
never received their policies.
10. Whom may 1 name as beneficiary?
Ans-You may name any one or more Of
the following: Wife, husband, child, grand |
child, brother, sister, adopted brother. adopt |
ed sister, atep-brother. step sister. parent, |
grandparent or step-parent Of the insured
and grandparent or step-parent Of the In
pugeds spouse.
II May I split the BENEFITS OF my insur- |
aaee between several Of these benenciaries |
Fer example, $4,000 payable to my wife. |
&s.0e0 to my mother and $4,000 to my sister? &? |
Ana-Yes.
"a May ! change my beneficiary when
Ans-Yes. without consulting the bene-
Aciary.
T3 what does Conversion" mean?
Aua-It simply means that you can |
change your present policy into another form |
Of government insurance. |
L. when is 1t advisable for me to con- |
vert my policy?
pay the rate At your then age Hence. the |
sooner you convert, the lower the rate ON |
your new policy. It - wise to convert early |
ID order to save the increasing rate.
RECOGNIZED