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accordance with the following table for each One Thousand Dollars of said net sum:

Number of Installments...

Amount of each Annual Installment

Number of Installments...

Amount of each Annual Installment

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$104 $113 $121 3136 $155 $179 $211 $261 $343 $507 *ILLUSTRATION.-The amount of each Installment will be $65 for each $1000 of proceeds if payment is to be made by 20 installments.

Or,

CONTINUOUS INSTALLMENT OPTION.

3. By the payment of equal annual installments payable at the beginning of each year for a fixed period of twenty years, and for so many years longer as the payee shall survive, the first installment being payable immediately, in accordance with the following Table for each One Thousand Dollars of said net sum:

Age of Payee at Maturity of
Policy..

Amount of each Annual Install-
ment

Age of Payee at Maturity of
Policy..

Amount of each Annual Install-
ment

Age of Payee at Maturity of
Policy..

Amount of each Annual Install-
ment

Age of Payee at Maturity of
Policy..

Amount of each Annual Install-
ment.

Age of Payee at Maturity of
Policy...

Amount of each Annual Install-
ment.

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$59 $60 $61 $61 $62 $62 $63 $63 $63 $64

*ILLUSTRATION.-The amount of each installment will be $44 for each $1000 of proceeds, if the Payee should be 30 years of age last birthday, when the Policy becomes payable.

(Payment by Continuous Installments cannot be selected if there be more than one Payee.)

Or,

MONTHLY INCOME OPTION.

4. By the payment of equal monthly installments for a fixed period of twenty years (that is 240 monthly payments guaranteed) and for so many months longer as the beneficiary shall survive, the first installment being payable immediately in accordance with the following Table for each Five Thousand Dollars of said net sum.

NOTE. If the net sum payable hereunder be other than $5,000, the amounts in this Table shall be changed proportionately.

Any installments payable under Options 2, 3 or 4, which shall not have been paid prior to the death of the payee, shall be paid to the payee's executors, administrators or assigns, unless otherwise directed in said notice.

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Unless otherwise specified by the Insured, the payee may, on any interest date, receive the amount yet due under Option 1, and may at any time receive the commuted value of payments yet to be made under Option 2, computed upon the same basis as Option 2; but no such commutation will be made under Option 3, except after the death of the payee occurring within the aforesaid twenty years.

If the Insured shall not have directed otherwise, the beneficiary may, after the death of the Insured, by like notice, and with the consent of the assignee, if any, select either of the above options.

The Insured having changed the mode of payment, may subsequently change the mode of payment or entirely revoke such change, thereby making the proceeds of this policy again payable in one sum. No change of mode of payment, or revocation of any change, shall take effect until endorsed on this policy by the Company at the Home Office.

SPECIAL INSTALLMENT OPTION.-By the payment, immediate and on each anniversary of such date, of an annual installment equal to one-twentieth of the amount applied under this option, until twenty such payments shall have been made; and, by the further payment, twenty years after the payment of the first installment, or an amount equal to one-half of the said amount applied under this option.

APPLICATION.

I hereby represent: 1st. That all the statements and answers in this application are true, full and complete; that this application shall, with the policy herein applied for, and the Privileges and Conditions contained therein, be the sole basis of the contract between me and the Company, and shall be binding on all parties in interest under such policy; and that no information or statement, unless contained in this application, made, given, received or acquired by any person at any time, shall be binding on the company; and that the policy to be issued hereon shall take effect only upon the payment of the first premium and delivery to me of the policy during my lifetime, sound health, and insurable condition. 2nd, That during the first year following the date of issue of the policy for which application is hereby made, I will not engage in any extra hazardous occupation or employment; in the sale or manufacture of intoxicating liquors; in the handling of electric wires or dynamos with a voltage in excess of 600; in blasting, mining, submarine labor, aeronautic ascensions, or the manufacture or handling of highly explosive substances; in service upon any railroad, train or track, or in switching or coupling cars, or on any steam or other vessel, or travel or reside within the Tropics or north of the parallel of 60 degrees north latitude, without the written consent of the Company. 3rd. I hereby agree that Military or Naval Service in time of war within five years from date of any policy issued hereon, excepting Military Service, other than Aeronautic, wholly within uninvaded and unattacked portions of the United States, is a risk which will not be assumed thereunder. 4th. That in any distribution of dividend, bonus, profit or surplus, the Company's method, and determination of the amount to be apportioned to any policy issued hereon is hereby ratified and accepted. 5th. That self-destruction, sane or insane, within one year, after the date of any policy that may issue hereon, is a risk not assumed by the Company, and the liability of the Company shall be limited to the return of the premiums paid. 6th. I hereby expressly waive all provisions of law forbidding any physician or surgeon from disclosing any information acquired (or that may be acquired) while attending me in a professional capacity.

Largest Amount of Insurance it will write on a Single Life, $10,000. Premiums for Each $1,000 Insurance (Participating). Adopted March, 1910. Including Premium Waiver and Disability Benefit.

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Premiums. Annual

Continuous Age at Issue.

Premiums.

10 Annual

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For semi-annual rates add 4% and divide by 2. For quarterly rates add 6% and divide by 4. 60 77 11111 15 89 33 81

15 Years.

20 Years.

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Largest Amount of Insurance it will write on a Single Life, $10,000. Premiums for Each $1,000 Insurance (Nonparticipating). Adopted March, 1910.

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Premiums.

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For quarterly rates, add 6 per cent and divide by 4.

10 Years.

20 Years.

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15 Years.

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Actual Dividend Histories of Policies of $1,000 Issued in 1909.
American 32% Reserve Basis.

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Prem. $31 40 Prem. $34 59 Prem. $38 14 Prem. $42 56 Prem. $48 26 Prem. $55 83

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28 80

4 55

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5 44 42 49

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Prem. $50 42 Prem. $51 16 Prem. $52 22 Prem. $54 03 Prem. $57 12 Prem. $62 01

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