be in force only when and after said policy takes effect, and shall automatically terminate: (a) upon the anniversary of said policy nearest age sixty (60) of the Insured, or (b) if (b) if the Insured becomes totally permanently disabled so that he is, and presumably will be, permanently and continuously prevented thereby from engaging in any occupation whatsoever for remuneration or profit, such disability having then existed for not less than sixty (60) days, or if the Insured shall suffer the permanent loss of the sight of both eyes, or the severance of both hands or both feet, or of one entire hand and one entire foot, or (c) when said policy shall be continued in force as extended or paid-up insurance under the provisions thereof, or (d) if the special premium therefor shall not shall not be paid when due, or (e) if the Insured shall enroll in the Army. Navy, Aerial service, or Red Cross, ог other relief service allied thereto, in time of war, either with or without a permit from the Company, this benefit to become void and of no effect from the date of induction into such service, or (f) whenever said policy is terminated or avoided or celled for any cause. This Supplemental Contract is issued in consideration of an extra premium of $. which is included in the whole annual premium payable under said policy. On any anniversary of said policy this Supplemental Contract may be cancelled by the Insured by written notice to the Home Office of the Company. The liability of the Insured to pay such extra premium shall cease upon the termination or cancellation of this Supple mental Contract or said policy. Extra annual premium for Double Indemnity benefits is $2.00 per $1,000. Limit $10,000. Double Indemnity but not disability benefits granted to women. Illustration Extra Annual Premiums per $1000 INSURANCE COMPANY OF CHATTA NOOGA, TENN. CHATTANOOGA, TENN. Organized in 1887; prior to 1917 it wrote acaident and health insurance only; stock company; issues non-participating policies only. Extracts Annual Statement Year Ending December 31, 1921 Admitted assets.. Outstanding insurance.. Dis. and D. I. premiums received... Dis. and D. I. benefits paid. $1,110,800 10,654,580 2,555 214 2,126 For Total and Permanent Disability Benefits (Rider attached) Waiver of Premium If, after one full year's premium shall have. been paid on this policy and before default in the payment of any subsequent premium, the Insured shall furnish to the Company due proof that, before attaining the rated age of sixty, he has become. wholly disabled by bodily injury or disease so that he is and thereby will be permanently and continuously unable to engage in any occupation whatever for remuneration or profit, and that such disability has existed continuously for not less than sixty (60) days prior to the furnishing of proof, the Company, by endorsement hereon, shall waive the payment of the premiums which thereafter may become due under this policy during the continuance of the said disability of the Insured. Monthly Income Furthermore, the said Company will pay to the Insured a monthly income of $10.00 per thousand of Life Insurance Insurance hereunder, the first first monthly payment to be made six (6) months after receipt of due proof of the said total disability and thereafter during the continuance of such disability prior to the maturity of this policy. Such monthly disability payments shall terminate with the last payment preceding the maturity of or settlement under this policy, whether by the death of the Insured or otherwise, or, with the last payment preceding cessation of total disability, if that is prior; provided this policy shall be returned to the Company for endorsement at the time the first of such payments shall be due. Payments Not Deducted From Face of Policy The premiums so waived and the disability income payments so paid shall not be deducted from INSURANCE COMPANY OF CHATTA NOOGA, TENN. the Face amount payable at death, or maturity, nor shall they impair the loan or surrender values, if any, available under this policy. After Attaining Age Sixty If the Insured shall become totally and permanently disabled after atttaining the age of sixty years, the Company will allow any premium falling due more than six months after receipt of proof of disability, to accumulate without interest as indebtedness under this policy, same to be deducted in any settlement of this policy. General Provisions Should the Company accept proofs of permanent disability under the policy, it may, nevertheless. at any time thereafter, but not oftener than once year, demand of the Insured due proof of the continuance of of such such total total disability; and upon failure to furnish such proof, or if it be established that the Insured has engaged or has become able to engage in any occupation whatever for remuneration or profit, all disability benefits under this policy shall thereupon cease. Without prejudice to any other cause of total disability, the entire and irrecoverable loss of the sight of both eyes or the severance of both hands at or above the wrists, or of both feet at or above the ankles, or of one entire hand and one entire foot as aforesaid shall be considered as total and permanent disability. No disability benefits shall accrue if this policy is surrendered for cash or is placed on a paid-up or extended insurance basis, nor shall any disa bility benefits apply in case the Insured engages in military or naval service in time of war. Upon written request by the Insured, accompanied by this policy, the provision for disability benefits may be discontinued by the cancellation of this supplemental agreement and any unearned premium will be returned to the Insured. If so discontinued, premium thereafter will be reduced by the amount charged for these total and permanent disability benefits. Upon the Insured attaining the rated age of sixty years these total and permanent disability benefits become void and the additional additional premium charged therefor will be discontinued. Non-payment of the said additional premium will void the procisions respecting disability and the benefits secured thereby. No suit on account of alleged disability shall be maintainable, if commenced after the expira INSURANCE COMPANY OF CHATTA NOOGA, TENN. tion of two years from the date of the happening of the disability. If there is a failure to comply with any one of the foregoing provisions, no claim on account of disability shall arise or be valid or enforceable. The annual premium for this supplemental contract is $.... and is included in the pre mium as stated in this policy. Limit, $5,000. A rider providing for waiver of premium only is issued by this Company for a small extra premium charge. Double Indemnity Benefit The Company issues a rider on all but Intermediate policies providing prior to age 60, for payment of double the face value of the policy 1 in event of accidental death, within 90 days from time of injury. granted Disability and Double Indemnity granted on lives of women. PHILADELPHIA, PA. Began business June 30, 1865; stock company; issues annual dividend policies only. Extracts Annual Statement Year Ending December 31, 1921 Total and Permanent Disability Benefits If the Company receives due written proof of the total and permanent disability of the insured. as defined below, which disability has been tained after the delivery of the policy and before the policy anniversary nearest the insured's sixtyfifth birthday, if no premium is in default and if the policy is in full force, the Company Will Pay to the insured a monthly income of $10 for each $1000 of insurance and Will Waive the payment of future premiums as they fall due. These benefits continue so long as the insured lives and remains totally and permanently disabled. This monthly income is payable for life without affecting other policy benefits. Thus on endow ment policies, if the insured has commenced to draw a disability income, the income will not cease at maturity but the insured may draw his maturing endowment proceeds and also continue to receive the disability income while he remains totally and permanently disabled. The non-forfeiture values, dividends and the face of the policy payable at death or maturity. are not reduced by reason of the disability benefits granted, but continue just as if the insured had paid the premiums. After the disability claim has been approved the Company will periodically require proof of the continuance of the disability and if such proof is not furnished or if the insured seems no longer to be totally and permanently disabled, the monthly income payments will cease and the insured will be required to pay premiums thereafter falling due. The disability provision is non-participating. It does not apply to paid-up or extended insurance or to paid-up additions. and does not affect the regular cash values of the policy. It does not cover disability occurring after maturity of an |