The Dallas express. [volume] (Dallas, Tex.) 1893-1970, 1919-12-20
URGES RACE MEN TO KEEP In.
SURANCE.
CONTINUED from Page A.

90 POooAbAS'
Here are some facts concerning
Government Insurance which every
former service man should know and
consider:
BY virtue of recent ruling made
by Secretary Glass of the u. s.
Treasury, lapsed policies may be re-
instated without paying back pre-
miums covering the period of lap
sation. 1t is only necessary to pay
the premiums for the first month in
which the policy lapsed and for the
month in which application Is made
for Reinstatement Ii the policy
holder is unable to keep the full
amount of the War Risk Insurance
he carried while in the service, he
may re-instate any part of 1t from
$1,000 up to $4,000 in multiples OF
$500. Reductions may be made IN
multiples of $500 to any amount, but
not less than $1,000.
The ordinary term" insurance,
that was carried by our service men
during the war may be carried at
the same rate five years after the
signing of Peace. At any time before
the expiration of five years, this war
term insurance may be converted
into one of the following;
l. Ordinary Life.
2. Unemployment Life.
3. Thirty-payment Life.
A. Twenty-year Endowment.
5. Thirty-year Endowment
6. Endowment maturing at age 81.
The converted policies are from
$1,000 to$1200 cheaper year on each
$1,000 worth of insurance than poll
cies offered by private companies,
and no physical or medical exami-
nation is necessary for the CONVEX
sion of policies. This is an important
thing, because many of the ex-service
men could not pass a rigid physical
examination today.
Government Insurance Policies
contain a liberal disability clause.
When the insured becomes totally and
permanently disabled, either by ac-
cident or by natural Illness, he does
mot have to pay any more premiums,
and the Government pays him the
full monthly sum called for by his
policy every month, no matter how
long he may live. Furthermore, one
insured by the Government may en-
gage in any occupation. no matter
HOW udLdluOuot UT may bAo'Nh UAAJ
where without affecting his insur-
ance, providing he continues the
payment of his premiums.
Government Insurance is non-taX-
and non-assignable. 1t is protected
from the claims of creditors More
over, neither the insured nor the
beneficiary can ever pawn Govern
ment Insurance policy and thereby
lose the fruits of honest and noble
sacrifice. The Government has in
corporated into every insurance poll
cy issued, guaranteed values which
are the full reserves without any
deductions, the same to take effect
after the policy has been in force
one year.
Cash surrender values and cash
loan values, which have been pro-
vided, together with other, usual
features contained in the policies is
sued by life insurance companies,
help to make these Government poll
cies of the highest value to the in
sured.
Another feature of Government
life insurance is the provision for
monthly installments to the bene-
ficiaries, instead of the payment in
a lump sum. This has been criticised
by those who have not given it the
proper consideration, but it is really
one of the most important advantages
of Government Insurance. Statistics
show that of the proceeds OF all In
surance policies, more than 90 per
cent. is lost within six years after
payment. Income insurance undoub-
tedly is the best kind for the bene-
ficiaries Of our Colored service men,
who, for the most part. are unac-
customed to handling large sums OF
money. Many would lose the money
altogether by spending it foolishly
by unwise investments, or in other
was. However, this feature will in
all probability, be changed very soon
in order to give the insured chance
to choose between the lump sum and
the installment plan of payment.
The opportunity which is now Of
fered service men to continue their
Government insurance, is one that
no soldier can afford to overlook
It is a rare opportunity and any
good insurance man will admit it
Should you meet an insurance agent
who speaks discouragingly concern
ing Government Insurance, you may
be sure that he is either uniformed
or has personal or selfish inter-
est which he is hoping to serve
There are more than $4,000 insurance
agents enrolled as boosters of Uncle
Sans Insurance.
1t is indeed interesting to note the
number of inquiries that are pour
ing into this Office from women ano
children of the race who have been
reached by our campaign Of contact
and who have some relative or loved
one whose Government insurance
policy they are anxious to save.
In the far Southland. whence a
very considerable number of oui
Colored troops came, we know OF
family that gave their bread-earners
to Uncle Sam, all Of whom went out
upon that journey from which nc
mortal returns and are now closed
in behind those gates from which
no mortal ever escapes. Two OF
those three sons died in battle; they
each carried $4,000 of Government
Insurance which now paws their ben
eficiaries $11500 every month. The
third son returned from war unscar-
red and healthy. He returned tc
civil life and allowed his Govern.
ment insurance to lapse and, in all
probability, would have lost his
claim to this valuable protection had
it not been for the women folk Of
the family who learned. by reading
the papers that Uncle Sam was al
lowing his service men to reclaim
their Government Insurance policies
Immediately, the mother and sisters