The Marietta journal. (Marietta, Ga.) 1918-1944, 1920-05-21
New War Risk
Policies Ready

beneficiary dies before 240 such in
stallments have been paid, the remain
ing unpaid monthly installments will
he 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
Guided 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 it 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
coverabe 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
stallments for any of these specifically
enumerated causes of total permanent
disability shall accrue from the date
of such total permanent disability, and
any premiums becoming due after such
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 ac.
cOrdingly.
If the policy be an endowment policy
and one or more monthly inStallmentS
have been paid on account of total per
manent disability, the insured may al
the end of the endowment period, sur
render his policy for the commuteC
value of installments Gao less tho
number paid) less any Indebtedness.
Dividends.
Third, the policy shall participate II
and receive such dividends from gains
, and savings as may be determined by
the director of the bureau of war risl
insurance With the approval of the sec
rotary of the treasury Any dividend
so apportiOned may he taken in cash
and if not so taken shall be left on de
pOsit to accumulate at such rate of in
terest as the secretary of the treasur!
may determine, but at a rate never les;
than 31a per centum compounded anC
| credited annually, and payable if no
= previously Withdrawn, at the maturit,
' of each policy to the person entitled t.
its proceeds.
r lncontestability.
f Fourth, the policies shall be inconteSt
able from the late they take effect
2 except for nonpayment of premiums
and are issued free of restrictions as t,
2 travel, residence, occupation or mill
| tary or naval service, except that tn,
I discharge or dismissal OF the insure,
= from the military or naval forces o
: the United States on the ground tina
he is an alien enemy. conscientious oh
: iectOr, or a deserter, or as guilty o
! mutiny, treason. spying or any offens
l. involving moral turpitude, or willfu
i and persistent misconduct shall termi
: nate this insurance and bar all right
: Hereunder.
r Cash Surrender and Loans
!, Fifth, cash surrender and paidup in
= surance, extended insurance and polio
: loan provisions shall be effective onl
f after premiums for - full months hav
been paid-all values reserves and ne
/ single premiums being based on III
s American experience table of mortality
: with interest at 3ia per centum pc
annum.
Sixth, premiums are due and payabl