The Democrat (Beaver, Okla.), Vol. 11, No. 3, Ed. 1 Thursday, June 17, 1920 Page: 3 of 12
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Vanitie May Be Defender of America's Cup
May Day Ceremonies at Sweet Briar College
v. r ,y
Ja," f Sg|4) W««l rn N*wav>iiper Unlonjp
Tr.. .. - «
Member# of the court of the "Queen of the May" at Sweet Briar college. Sweet Briar, Va.. during the Muy daj
ceremonies. The Queen of the May was Miss Helen Beeson of Columbus, O.
For the first time since the outbreak of the war, Sir Thomas Upton will nice Ills Shamrock against the choice of
the United States for America's cup. The Vanltle, shown In the picture, is being put In shape at ( lt,v Island, L I.,
for Its race with the Resolute to determine which of these two yachts shall have the honor of defending the cup lii
the greatest of all yachting classics.
Mexican Refugees Fleeing Across the Border
New War Risk
Former Service Men May Now
Convert Their Insurance Into
PROVISIONS ARE VERY LIBERAL
Ruling Permits Reinstatement of
Lapsed or Canceled Insurance Be-
fore July 1, Regardless of How
Long Man Has Been Discharged.
Washington.—WJien congress passed
the war risk Insurance act, which has
been characterized as "the most lib-
eral law ever placed on the statute
books of a grateful nation," it provided
that the war-time policies, which were
planned to endure for only five years,
might be converted into permanent
forms of life insurance to be issued by
the United States government. An-
nouncement of the actual provisions of
■the new policies which now Is made,
was deferred until necessary supple-
mental legislation could be missed, in
order that the policies might be made
models of liberality.
These policies are Issued to former
and active service men and women of
the American forces, on terms which
have been made exceptionally favor-
able, In recognition of their sacrifices.
The government pays all the costs of
A total of 4,610,38S applications for
war risk Insurance. representing more
than $40,000,000,000, have been re-
ceived in the bureau of war risk Insur-
ance. The applicants, in many cases,
have been awaiting definite announce-
ment of the terms of the new policies,
before applying for conversion of their
war risk insurance to permanent forms.
Others canceled their war risk insur-
ance or permitted It to lapse. Inasmuch
as It Is necessary that the war risk
(term) Insurance must be In effect at
the time of conversion to one of the
permanent forms of Insurance. It Is an-
ticipated that many who dropped their
insurance will hasten to reinstate It
under the liberal ruling which permits
reinstatement of lapsed or canceled in-
surance, any time before July 1, 1020,
on payment of only two monthly pre-
miums on the amount of Insurance to
be reinstated, the application to be ac-
companied merely by a satisfactory
statement of health.
The six permanent forms of United
•States government life insurance into
which the war-time Insurance may be
1. Ordinary life.
2. Twenty-payment life.
8. Thirty-payment life.
4. Twenty-year endowment.
5. Thirty-year endowment.
0. Endowment maturing at age sixty-
The New and Important Features.
The principal features In the United
States government life insurance con-
tracts, which have been approved by
Secretary of the Treasury D. F. Hous-
ton and are being Issued by Director
Tt. G. Cholmeley-Jones of the bureau of
war risk Insurance are:
First, that the Insured has three
Option 1. Insurance payable in one
sum. Settlement under this option will
be made only when the form has been
selected by the Insured during his life-
time or the payment in one sum is re-
quested in his last will and testament.
Option 2. Insurance payable In elect-
ed Installments. The monthly Install-
ments are payable for an agreed num-
ber of months under their form of con-
tract (not less than 63) to the desig-
nated beneficiary, but If such bene-
ficiary dies before the agreed number
of monthly installments has been paid,
the remaining unpaid monthly In-
stallments will be payable in accord-
ance with the beneficiary provisions of
Option 3. Insurance payable in Install-
ments through life. The Installments
may be payable throughout the life-
time of the designated beneficiary If
they so elect, but If such designated
beneficiary dies before 240 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-
tures of the policy contract.
Total permanent disability as re-
ferred to in the policy contract Is nny
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 irre-
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-
stallments for any of these specifically
enumerated causes of total permanent
disability shall accrue from the date
of such total permanent disability, and
nny premiums becoming due after such
disability, if paid, shall be refunded
If there be a loan under the policy
then payments on account of lotnl per-
manent disability shall be adjusted ac-
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 at
the end of the endowment period, sur
render his policy for the commuted
value of Installments (240 less the
number paid) less any indebtedness.
Third, the policy shall participate In
and receive such dividends from gains
and savings as may be determined by
the director of the bureau of war risk
insurnnce with the approval of the sec-
retary of the treasury. Any dividend
so apportioned may be 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 treasury
may determine, but at a rate never less
than 3% per centum compounded and
credited annually, and payable. If not
previously withdrawn, nt. the maturity
of each policy to the person entitled to
Fourth, the policies shall be Incontest-
able from the .late they take effect,
except for nonpayment of premiums,
and are issued free of restrictions as to
travel, residence, occupation or mili-
tary or naval service, except that the
discharge or dismissal of the insured
from the military or naval forces of
the United States on the ground that
he Is an allen enemy, conscientious ob-
jector, or a deserter, or as guilty of
mutiny, treason, spying or any offense
Involving moral turpitude, or willful
and persistent misconduct shall termi-
nate this insurance and bar all rights
Cash Surrender and Loans.
Fifth, cash surrender and paldup In-
surance. extended insurance and policy
loan provisions shall be effective only
after premiums for 12 full months have
been paid—all values, reserves and net
single premiums being based on the
American experience table of mortality,
with interest at 3% per centum per
Sixth, premiums are due and payable
on the first day of each calendar month
In advance in iegal tender of the United
States of America to the treasurer of
the United States in the city of Wash-
ington, District Of Columbia. Pre-
miums may be paid annually, semlun.
nually, or quarterly, in advance, in
U'hich case the premium payable will
be the sum of the monthly premiums
for the period discounted at 3V4 per
centum per annum. At maturity bv
death or otherwise the discounted
value at 3% per centum per annum of
the premiums paid In advance beyond
the current calendar month slinll be
refunded to the Insured, If living?, oth-
erwise to the beneficiary.
Seventh, the government policies. If
not surrendered for cash surrender
value, may be reinstated at any time
after lapse upon evidence of the Insur-
ability of the insured satisfactory to
the bureau of war risk insurance, and
upon the payment of all premiums In
arrears, with Interest from their sev-
eral due dates at. the rate of 4 per
centum per annum, and the payment or
reinstatement of any indebtedness
which existed at the time of such de-
fault, with policy loan Interest. How-
ever, If such Indebtedness with Interest
would exceed the reserve of the policy
at the time of application for reinstate-
ment of said policy, then the amount
of such excess shall be paid by the In-
sured as a condition of the reinstate-
ment of indebtedness and of the policy.
The policies themselves are now In
the hands of the government printing
office, and will be issued to nil those
who have availed themselves of their
privilege to convert the wnr-tlme terra
insurance into the new forms of United
States government life insurance poli-
It is believed that In these converted
policies the government has given to
all service and ex-service men and
The Mexican revolution lias sent a flood or refugees across the border Into southern Texas. The photograph
shows a number of them in Agua Prleta waiting for an opportunity to get across the International line.
Memorial to Mrs. Donald McLean EDWARDS AND MANACEf
women a policy of unusual value.
To Whom Insurance Payable.
In announcing new rulings, Director
Cliolmeley-Jones desires to emphasize
the fact that war risk (term) Insurnnce
or United States government (convert-
ed) life insurance may now be made
payable to any of the following new
nnd enlarged group of beneficiaries:
Parent, grandparent, step-parent,
wife (or husband), child, step-child,
adopted child, grandchild, brother, sis-
ter, half-brother, half-sister, brother
through adoption, sister through adop-
tion, stepbrother, stepsister, pnrent
through adoption, uncle, aunt, nephew,
niece, brother-in-law, sister-in-law; per-
sons who have stood In the relation of
a parent to the insured for a period of
one year or more prior to his enlist-
ment or Induction or the child or chil-
dren of such persons: parent, grand-
parent, step-parent, or parent through
adoption of the Insured's wife or hus-
War risk (term) 'nsurance may be
converted Into United States govern-
ment life insurance now or at at any
time within five years after the formal
termination of the war by proclama-
tion of the president.
View of the bronze tablet erected In Continental Memorial hull in Wash-
ington, by the New York Chapter of the Daughters of the American Resolu-
tion In honor of Mrs. Donald McLean (Emily Nelson Ritchie McLean), presi-
dent general of the D. A. It. from 1905 tn 1009, and a charter member of the
National Society of the D. A. It. and of New York chapter.
Edward I. Edwards of New
Jersey (on left) chatting with Walker
W. Vick, his campaign manager, in
the Edwards headquarters at the Ho-
tel Manhattan, New York city. Gov-
ernor Edwards' friends have an-
nounced his caudidacy for the presi-
dential nomination on the Democratic
Curfew Rings for Faithful Fido.
Falmouth, Ky.—When night falls
here nil dogs must be off the streets.
Falmouth is cne of the few towns
where a law requires citizens to put
up their dogs at night and authori-
ties announce that all canines found
at lurge after dark will be impounded.
Irish Mob Chases a Police Spy
TROPHY FOR THE YANKS
\ Use Discarded X-Ray J
J Plates as Windows ;
* — t
! Detroit, Mlcli—Discarded X- J
* ray plates will glaze all windows t
' in the Detroit Municipal Tuber- J
J culosis sanitarium being erected J
* near Northville. t
J 'These photographic plates J
* cleaned of chemicals will serve t
J the purpose as well a; new J
' glass and will save the city $30,- t
\ 000," said Health Commissioner J
* Henry F. Vaughn. "Plumbing >'
t fixtures are coming out of the J
* Pontchartrain hotel and will cost *
* only $7,200. as against $50,000 to \
, J $70,000 for new. J
"Five hundred mahogany $
door frames from the disman- *
tied hotel will save the city $15,- t
000," Mr. Vaughn declared. J
This Is the handsome trophy which
the Imperial BoxlDg a.vsociation of
Great Britain Is to present to the
American forces as a memento of tha
great International boxing tournament
which was held iu Loudon in Decem-
These enraged Irishmen in Cork are chasing a supposed "police spy"
whom they had spotted at the inquest on the body of Thomas MacCurtaln,
lord mayor of Cork. The coroner's jury brought In a verdict of wilful mur-
against Premier Lloyd George, Lord Lieutenant French, and others.
Novel British Industry.
Every year the second hand clothing
dealers of London send thousands of
pairs o/ castoff stockings to central
Asia, where they are used as glove#
and arm coverings.
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The Democrat (Beaver, Okla.), Vol. 11, No. 3, Ed. 1 Thursday, June 17, 1920, newspaper, June 17, 1920; Beaver, Oklahoma. (gateway.okhistory.org/ark:/67531/metadc233954/m1/3/: accessed March 24, 2018), The Gateway to Oklahoma History, gateway.okhistory.org; crediting Oklahoma Historical Society.