The L'Anse sentinel. (L'Anse, L.S., Mich.) 18??-current, 1920-06-11
New War Risk
Policies Ready

beneficiary dies before 240 such in
stallments have been paid, the remain
ing unpaid monthly installments will
be payable In accordance with the
beneficiary provisions Of the policy.
Total and Permanent Disability.
Second, the policies provide for total
and permanent disability benefits TO
the insured covering the entire period
the policy IS in force. and during the
period of the insured's total and per-
manent disability. The total and per-
manent disability feature is also In
cuded in the pald-up and extended fea-
lures Of the policy contract.
Total permanent disability az re-
ferred to in the policy contract is any
Impairment of mind or body which
continuously renders ii impossible for
the disabled person to follow any sub
stantially gainful occupation and the
diagnosis of which is founded upon
conditions which render 1t reasonably
certain that the impairment will con-
tinue throughout the life of the person
suffering from 1t.
The total permanent disability bene-
fits may relate back to date not ex-
ceeding six months prior to receipt of
due proof Of such total permanent dis
ability. and any premiums becoming
due after the date of such disability
and within such six months. If paid.
shall be refunded without interest.
Loss of Sight.
Without prejudice TO any other cause
of disability. It Is agreed that the ire
coverable loss of the sight of both eyes.
or the loss of both hands, or the loss of
both feet, or the loss of one hand and
one foot. shall he considered as total
permanent disability within the mean
ing of the contract; and monthly in
stallments for any of these specifically
enumerated causes OF total permanent
disability shall accrue from tile date
Of such total permanent disability, and
any premiums becoming due after such
disability. II paid, shall be refunded
without interest.
If there be loan under the policy
then payments on account Of total per-
manent disability shall be adjusted ac-
cordingly.
If the policy he an endowment policy,
and one or more monthly installments
have been paid on account Of total per-
manent disability. the insured may at
the end Of the endowment period. sur
render his policy for the committed
value Of installments GAO less the
number paid) less any Indebtedness.
Dividends.
Third, the policy shall participate In
and receive such dividends from gains
and savings as may he determined by
the director OF the bureau Of war risk
insurance with the approval Of the Sec
rotary Of the treasury. Any dividend
so appOrtioned may he taken In cash.
and II not so taken. shall be left on de-
posIt to accumulate at such rate OF In
tercst as the secretary Of the treasury
may determine. but at n rate never less
than az per centum compounded and
credited annually. and payable. IL not
previously withdrawn. at the maturity
Of each policy to the person entitled to
Its proceeds.
IncontestabiiIty.
fourth. the policies shall he incontest.
able from the late they take effect
except for nonpayment Of premiums
and are issued free OF restrictions as to
travel, residence. occupation or mill
tary or naval service. except that the
discharge or dismissal OF the insured
from the military or naval forces OF
the United States on the ground that
he is an alien enemy. conscientious OBJ
| jector, or deserter. or as guilty. oi
mutiny. trensor,. spying or any 0ffenss
involving mornl turpitude. or wiIlfu'
and persistent misconduct shall termi
nate this insurance and bar all rights
| Hereunder.
cash Surrender and Loans.
Fifth. cnsh surrender and pnidup IN
surance. extended Insurance and policy
loan provisions shall he effective only
after prcnIums for IL full months have
been. ~ all values. reserves and mel
| slne1c n1ums being based on the
An.ef Experience table Of mortality
Win FL at 81 per centum pei
| 4 sf }miums are due and payable