The Lubbock avalanche. (Lubbock, Tex.) 1909-1922, 1922-08-04
Ex-Servce Men Can Now Re-Instate
Their War Time Insurance Policies
And Take Out Old Line Policies

vice men the fact that they have the
privilege Of reInstatng their term or
war time Insurance and converting "
into an old line insurance backed py
the United States Government.
Many Of you have heard q lot
about insurance and some OF you
have heard a great deal TINT IS not
true. No man should refuse 90 IN
vcrtigatc a good sound business pro-
poeition. and be assured that Govern
mcnt insurance Is all that and more,
and stands ready for investigation at
any time.
Any ex-servicc man may reinstate
his term or war time insurance by
paying two months premiums on the
amount Of insurance reinstated and
by submitting satisfactory proof OF
instability.
II You are unable 90 reinstate un-
der the conditions just mentioned on
account Of disability which was
contracted In or aggravated Ivy active
military or naval service during the
World War. YOU may reinstate, u
not permanently or totally disabled
an examination being required to de-
termine physical condition, by paying
all premiums due since your insur-
ance lapsed, with interest AZ the rate
OF 5 percent per annum, compounded
annually on each premium from the
date such premium was due. You
may reinstate 20 any amount you de-
sire in multiples Of $500, but not less
than $1,000. nor more than the
amount Of insurance originally grant
ed 10 you.
ANY ex-service man may convert
Term or Wartime Insurance which
Is In force into any or as many OF
the ak forms Of permanent insnr-
ance az you desire. in multiples OF
$500 but not less than 81 900, hy
making application and paying the
first monthly. quarterly, semi an
nual. or annual premium in advance.
II il advisable 20 convert now, 70
+ secure your permanent insurance NJ
your present insurable age, which
carries a lower rate than n you delay
conversion.
on account Of your military or
naval service you enjoy a privilege
accorded 10 no other class Of citizens
in the United States, that OF pur-
chasing life insurance backed by the
United States Government AZ abso-
lutely net cost.
All forms OF Government Perman-
cnt life insurance. namely, Ordinary
Life. Twenty payment and Thirty
payment Life. Twenty-year and Thir-
ty-yonr Endowment. or Endowment
maturing al the age u 81 years, are
payable as death claims in Zone sum
or nstallments AZ the option Of the
insured
AN Permanent converted poli-
e.ra have cash. loan. paid un and
extended insurance value. available
after the policy has been in force
one year
The Converted or Permanent Life
Insurance is written az guaranteed
premium rates. which rates are not
increased each year as DO the yearly
renewal term (war-timel Insurance
rates.
An Government converted insur-
ansa Is ISSUED n not cost rates, ac-
cording 70 the American Experience
Table ~ Mortality and 3 l-2 percent
interest. and without charge being
made in the premium for operating
expense. which is borne by the Gov
eminent.
ANY excess interest earnings over
I3i-2 percent. together with any saw
ings in the mortality. accumulate a
{ fund from which dividends may be
: apportioned hvdircctor and paid 20
7 Government lconvertedl policy hold
erg. 81 .03O 600 has been apportion-
ed 10 be paid in dividends during the
year 1921 90 those whose policies
have been in force year or more
There are no restrictions IN the
policies as 20 residence, travel, occu'
patton. or military or naval service
No charge is made in the premium
for permanent total disability bene'
fits, which are not limited as 20 the
age az which disability may occur OF
the cause Of such disability.
To the average man. life insurance
is a mystery, and yet Il Is one Of th'
| .tr,ul.ot fhingq in the world 10 II