The Pioche record. [volume] (Pioche, Nev.) 1908-1925, 1920-05-21
New War Risk !
Policies Ready

dies before 2i0 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
cluded in the paid-up and extended fea-
lures Of the policy contract.
Total permanent disability as re-
ferred to in the policy contract is any
impairment of mind or body which
continuously renders it 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 It,
The total permanent disability bene-
fits may relate back to a 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 be considered as total
permanent disability within the mean
ing of the contract; and monthly in
stallmonts for any of these specifically
enumerated causes of total permanent
disability shall accrue from the date
of such total permanent disability, ant
any premiums becoming due after sucl
disability, If 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 &C
cordingly.
IL the policy be an endowment policy
and one or more monthly installment'
have been paid on account of total per
manent disability. the insured may a
tho apd of tho nnlnu,pop< por.tnJ Sy1r
render his policy for the commutet
value Of installments Gao less TIL
number paid) less any Indebtedness.
Dividends.
Third, the policy shall participate Il
and receive such dividends from gain
and savings as may be determined b,
the director of the bureau of war risl
insurance with the approval of the sec
rotary of the treasury. Any dividen
so apportioned may be taken in casl
post to accumulate at such rate of In
terest as the secretary of the treas'Ir
may determine, but at rate never les
than 3h per centum compounded an
| credited annually, and payable, II nc
: previously withdrawn. at the matu'it
, of each policy to the person entitled
it's proceeds.
r lncontestabiity.
f Fourth, the policies shall he incontes
able from the late they take effoc
o except for nonpayment of premiu q
and are issued free of restrictions a.
@ travel, residence, occupation or ma
II tary or naval service, except that u
n discharge or dismissal OF the insure
> from the military or naval forces
p the United States on the ground fR
he IS an alien enemy, conscientious Q
f. iector, or deSerter, or rs guilty
J. mutiny. treason, spying or any ofgen
A. involving moral turpitude, or WILLIE
\, and persistent misconduct shall tern
p. nate this insurance and bar all rlgh
e. Hereunder.
,r Cash Surrender and Loans.
Il Fifth, cash surrender and paidup
n surance, extended insurance and pom
d. loan provisions shall be effective on
Of after premiums for II full months ha'
been paid-all values, reserves ana
h single premiums being based on Y
is American experience table OF mor'afl'
@. with interest at 3h per centum p
If annum.
ID ! Sixth, premiums are due anu paSaoo