The Idaho recorder. [volume] (Salmon City, Idaho) 1886-1927, 1920-06-04
New War Risk
Policies Ready

beneficiary dies before $40 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 insureds 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-
stantlaliy gainful occupation and the
diagnosis of which is founded uDon
conditions which render 1t reasonably
certain that the impairment will con-
tlhue throughout the life of the person
suffering from it.
The total permanent disability bene-
hts may relate back to q date NOT ey
ceeding six months prior to recent of
Que proof of such total permanent dis
ability, and any premiums becoming
due after the date Of such disability
ana within such six months. if paid,
shall be refunded without interest.
Loss of Sight.
Without prejudice to any other cause
or disability, it is agreed that the irre-
coNerahle loss of the sight of both eyes
or The loss of both hands. or the loss Of
''o'i rect or the loss of one hand and
one foot. shall be considered as toto,
permanent disability within the mean
ing or the contract; and monthly in
s'hilihenlS FOR any of these specifically
enumerated causes of total perInanant
Instability shall accrue from the date
VI Such TOTAL permanent disability. and
any premiums hecomin. due after sucb
DISABILITY If paid, shall be refunded
without interest.
II there be a loan under the nolicv
then payments on account of total ner.
manent disability shall be odinsted no
cordingly.
II Tue poilcN be an endowment poIicy
anu enc or more monthly installmentS
nave neeh pald on account of total per
'lahent disability. the insured may ot
'le end of the endowment period SIR.
render his policy for tho co,,,,,,.o,
N"loe or lnStallments Gao less the
hummer PAID less any indebtedness
Dividends
ihitd, me policy shall participate In
aha receive such dividends from gains
anu savings rs may he determined nv
ne director of the bureau of war risl,
insurance with the approval of the soc.
''tafN of the treasury ANY dividend
50 app"rtioned may be taken in cash
ana II not 50 taken. shall he left on de.
PoSit To accumulate Mt such rate of in
tefest rs The secretary of the treasurv
may determine, hut at y rate never lose
''", ~ per centum compounded and
''eolted annually. and payable. If not
Withdrawn. at the m,turitv
"t each policy 10 the person entitled to
Its proceeds.
'ncontestability.
FOURTH III" policies shall he ineontest.
a"fe from the late they take cNect
except for nonpaymcnt of premiums
ah'i afe issued free Of restrictions NJ 10
travel residence. occunation ar mil,
'afF or naval service, eycent that tho
'h>"harge or dismissal OF the insur.d
'r"n the military or naval forcas .,
me nited State on the ground tbot
n" Is an alien enemy. CONSCIENTIOUS oh
leetor. or deserter. or ms gniltv =.
ihnflnv, treason, Srvinr or any ofr.rs,
'nNeiSing moral turpitude, or w,ufrI
ahd persistent misconduct shall ,ar,n,
nate his Insurance and bar nil r,yb,s
Hereunder. gus
easn Surrender and Loans.
ruin. cash surrender and n.id,- g.,
>"Fahee extended Insurance and no,,cr
"aa provisions shall be effective or,r
''tef premiums for Il full months bara
'eeh paid-all values. reserves ans no. |
>heie premiums being based On ~ \
american experience table Of morto,i,r
win interest at ga per centum no.
lnnum per
slAth' premiums are due and psvahl.