Numerous changes have been made in the data entering into the 1909 edition of Analysis of Policy Conditions owing to the changes in policy forms made by several companies in compliance with the laws enacted in a number of States requiring standard provisions. As the work is thereby brought fully up to date, it becomes absolutely essential to agents in their daily work. Additional companies are included in the work, making the total number of companies represented eighty-nine, and in every case all changes made during the past year are accurately shown. The salient points of each company's policy are first given in an easily comparative form, with one page devoted to each company. Following this is a section devoted to additional information, covering points either peculiar to individual companies or of minor importance. By the use of the flap attached to the front and back covers the user of the work is able to compare instantaneously the provisions of the policy of the company in which he is immediately interested with those of any other company. This will be found of great advantage to life insurance agents. There is also presented as a distinct department the policy and application clauses referring to the one-year preliminary term method as used by over seventy-five companies. This subject is one to which constant reference is necessary. Analysis of Policy Conditions is a companion work to our standard publication, The Handy Guide to Premium Rates, Applications and Policies, and is compiled in the same careful manner. Each company incorporated in the book has passed on the matter relating to itself, so that it is practically an official publication. With this work constantly at hand the busy field man can immediately decide any point about a company's practice, and the incorporation of the Non-Forfeiture and Anti-Discrimination or Anti-Rebate laws will enable him to quote the letter of the law on these important points. THE SPECTATOR COMPANY. Copyright, 1909, by The Spectator Company, New York. Ætna Life, Hartford, Conn. Berkshire Life, Pittsfield, Mass. Connecticut General, Hartford, Conn. 22 AETNA LIFE. HARTFORD, CONN. LIFE AND ENDOWMENT POLICIES. AGE LIMIT-16 to 65. APPLICATION-Copy accompanies policy. BENEFICIARY-Insured may change the beneficiary at pleasure, provided the policy be not assigned. CASH SURRENDER VALUES-Guaranteed after end of two years on participating contracts; after three years on nonparticipating forms (on endowments of not more than twenty years after two years). DEATH CLAIMS-Payable on receipt and approval of proofs. DIVIDENDS-On participating policies declared annually. DUELING, SUICIDE OR VIOLATION OF LAW-Suicide in the first policy year voids the contract. GRACE IN PAYMENT OF PREMIUMS-Thirty-one days. INCONTESTABILITY-Policy incontestable after one year. INTOXICANTS AND NARCOTICS-No conditions. LOANS ON POLICY-Company will loan after two years on participating contracts; after three years on non-participating forms (on endowments of not more than twenty years after two years); interest not to exceed six per cent. Automatic premium loan privilege may be availed of. MAXIMUM AMOUNT CARRIED-$50,000. MILITARY OR NAVAL SERVICE-No conditions. NON-FORFEITURE CONDITIONS-On participating forms after two and on non-participating after three years in event of lapse, insurance is automatically extended for definite period for full amount. Insured may apply within two months from date of lapse for a paid-up non-participating policy, or, may take the cash value. OCCUPATION-No restrictions. REINSTATEMENT IN CASE OF LAPSE-Allowed within five years from lapse on satisfactory evidence of insurability and payment of arrears with interest. RESIDENCE AND TRAVEL-No conditions. WOMEN-Are charged an extra rate of $5 per thousand up to age 55 on term, ordinary life and endowment policies requiring more than twenty-five full years' premiums. For additional information see page 93. |