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STAY PROTECTED
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MORALE OFFICER SAYS KEEP
INSURANCE
OLDIERS are urged to
continue their Govern
ment insurance after
their discharge from the
army.
The War Department is anxious that
all soldiers be fully advised of their
rights and privileges with respect to
continuing their insurance alter their
discharge from the army. This mat
ter is of the highest importance to all
soldiers and to the country at large,
and in order that soldiers may be
properly advised there has been cre
ated the Conservation Section of the
Division of Military and Naval In
surance of the Bureau of War Risk
Insurance with Mr. Winslow Russell,
a prominent life insurance executive,
at its head.
Already more than lour million in
surance policies have been issued to
the ofllcers and men by the Bureau of
War Risk Insurance, which represents
a sum exceeding more than thirty-six
billion dollars.
M order that all the men who par
ticipated in the battles of this war
might receive adequate protection, it
was considered advisable to issue what
is known as Annual Unloaded Renew
able Term Insurance, this is the
strongest, safest and cheapest life in
surance ever written.
This insurance not only provides
against death but also against total
permanent disability, an extraordinary
feature not contained in the usual life
insurance policy, and compensates the
disabled man as long as he lives and
irrespective of whether or not death
or disability were incurred in or out
of the service.
Under the provisions of the War
Risk Insurance Act it is provided, ev
ery person holding this insurance may
keep it up in this form even after he
leaves the service, but that not later
than five years after the termination
of the war as promulgated by Presi
dential Proclamation, the insured
must convert same into one of the
standard forms as may be prescribed
by regulations and without medical
examination.
Until converted all that is necessary
for the soldier to do in order to con
tinue his insurance in force after his
discharge from the army is to pay
his insurance premiums direct to the
Bureau of War Risk Insurance, Wash
ington, D. C.
Secretary McAdoo has stated that
the advantages of continuing this in
surance cannot be too strongly em-
THE CADUCEUS
Government Insurance is a right
given to officers and enlisted men
of this war, and in a sense is a re
ward for their service; it allowed to
lapse by non-payment of premiums,
its valuable advantages are lost for
ever and should the man later desire
Insurance it cannot be obtained except
through some old life’ insurance com
pany at a greatly Increased rate.
This insurance is subject to 31 days
grace, during which time it will re
main in fuil force and effect and may
be reinstated at any time within six
months after lapse, in compliance with
the terms and conditions as may be
bpecified in . the regulations of the
Bureau.
Another grave danger is that the
soldier's health may have been im
paired while in service and he might
not be able to pass an examination
in another insurance company should
he once lose his government insur
ance. So in order lor the soldier to
avoid uninsurability and give the pro
tection to his wife and children here
after, he must not under any circum
stances allow his insurance to lapse.
Every soldier holding this insurance
will be allowed to convert it at any
time within five years period without
another medical examination and re
gardless of what his present physical
condition may be.
Regulations will be provided allow
ing the Insured to pay his premiums,
in other form, similar to those in
vogue on standard life insurance.
Another most generous feature of
the policy is the special protection
that it cannot be attached, assigned or
otherwise taken by creditors and the
insurance goes to the man’s wife and
children free from their claims, fur
ther the beneficiary gets no vested
xights in the policy, as the insured
jnay change the beneficiary at any
time upon written notice to the Bu
reau of War Risk Insurance.
Of course it is recommended that
the soldier as soon as possible convert
his insurance into one of the more
permanent forms to be issued, these
forms are now in the course of pre
paration by the Bureau of War Risk
Insurance, and will include ordinary
life, 20-payment life, endowment ma
turing at age of 62 and other usual
forms of insurance. This converted
insurance will also have cash and
loan values.
This insurance backed by United
States Government security is so won
derfully attractive that a man who
fails to avail himself of this liberal
and unprecedented opportunity to con
tinue government insurance to the
utmost extent of his financial ability,
would be foolish as the government
needs not employ any agent to sell
this insurance, which is one of the
largest items of expense of the priv
ate insurance company, and as the
expense of administering it is charged
as a general government war expense
it follows that the man gets it at a
price much lower than that charged
by private companies at peace rates.
Further the plan of allowing the man
five years in which to convert his in
surance into some other form, gives
to the man adequate insurance at the
cheapest rate, and he is thereby able
to utilize most of his earnings for
the purpose of getting established in
business, should he feel that he is
financially unable to continue to carry
the maximum amount, $10,000.00, he
is permitted by the act to reduce his
insurance whenever desirable, but if
it is once reduced he can never in
crease it again.
This war has brought home to the
people of the contry as never before
the economic value of life insurance,
notwithstanding the entrance of Uncle
Sam into the life insurance field, the
business of private companies has
thrived, and it is hoped that every
encouragement and assistance will be
given the enlisted man to continue
his government insurance.
No greater heritage can the soldier
leave to his wife and family than the
protection provided for in this policy.
There is no compulsion about con
tinuing the insurance, the soldier may
drop it any month he chooses. But
every man that embraces this extra
ordinary opportunity and continues his
government insurance will not only
protect himself against disability and
the inevitableness of death and their
consequences, but will also learn the
value of self-reliance and self-protec
tion so essential to good citizenship
and the welfare of the community in
general.
G. Berry, Jr.,
War Bisk Judge Advocate.
THEY SAY
They say that Private Fred Ziegler,
orderly for ward. B-6 is hunting Pat
ient Caruso’s scalp. Caruso has a
mustach and stops over at the Bed
Cross building and never fails to admit
that the famous Enrico is his uncle.
It seems that Caruso of our ward
asked Ziegler to drop into a store
while down town and to purchase
some fleece lined collar buttons. Zie
gler is obliging and they say he hunted
most all over town. Finally a mer
chant suggested the plausibility of
jokes in the army.
So they say that Fredie has murder
in his eye and that Caruso hides be
hind the stove and is considering the
shaving off of his mustach in order
to disguise himself.
RINO DRUG COMPANY
112 North Main Street, HIGH POINT, NORTH CAROLINA
Bell Phone 20. The Kexall Store N. S. Phone 20 and 90.