The Total Disability Provision in American Life Insurance Contracts ...University of Pennsylvania, 1915 - 83ÆäÀÌÁö |
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... shown at a later date in America . In 1900 , out of 45 companies in the Empire , 17 were issuing it . Since 1900 , how- ever , most of the important companies in Germany have adopted the disability provision in one or both of two forms ...
... shown at a later date in America . In 1900 , out of 45 companies in the Empire , 17 were issuing it . Since 1900 , how- ever , most of the important companies in Germany have adopted the disability provision in one or both of two forms ...
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... shown by comparing the relative amount of insurance represented by the companies granting it and by those which do not grant it . The Insurance Year Book shows that on January 1 , 1912 , the 239 com- panies of the United States had ...
... shown by comparing the relative amount of insurance represented by the companies granting it and by those which do not grant it . The Insurance Year Book shows that on January 1 , 1912 , the 239 com- panies of the United States had ...
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... shown justifies the belief that there are very good reasons for its existence . The reason for its adoption so generally may lie with the company , the agent or the policyholder . Of course the disability clause must ultimately be ...
... shown justifies the belief that there are very good reasons for its existence . The reason for its adoption so generally may lie with the company , the agent or the policyholder . Of course the disability clause must ultimately be ...
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... shown on page 30 : RATE OF MORTALITY AMONG EACH 1,000 DISABLED LIVES 1 . 2 . 3 . 4 .. 5 . 6 . 7 . 8 . Ages Policy years after disability 25 35 45 55 65 399 367 306 262 195 190 168 148 142 129 108 89 104 116 116 54 58 78 89 104 43 45 34 ...
... shown on page 30 : RATE OF MORTALITY AMONG EACH 1,000 DISABLED LIVES 1 . 2 . 3 . 4 .. 5 . 6 . 7 . 8 . Ages Policy years after disability 25 35 45 55 65 399 367 306 262 195 190 168 148 142 129 108 89 104 116 116 54 58 78 89 104 43 45 34 ...
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... shown to be dis- abled in the sense of being " incapacitated to follow any work for profit . " The rates shown in this table clearly demonstrate that , in case no age limitation is placed upon the granting of the waiver of premium ...
... shown to be dis- abled in the sense of being " incapacitated to follow any work for profit . " The rates shown in this table clearly demonstrate that , in case no age limitation is placed upon the granting of the waiver of premium ...
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31 per cent age sixty aggre American Experience table American life insurance annuity becoming disabled bodily injury cash cent Maccabees invalidity CESSATION OF PREMIUMS companies issue computed default disability and death disability benefit disability clause disability due disability insurance disability occurs disabled aggregate disabled lives disabled persons dividends endowment endowment policies extra premium factors of safety fraternal societies Friendly Societies Hunter indebtedness Institute of Actuaries insurance companies insurance in force Jackson Karup liberal lien loans Mead's rates Mead's tables ment moral hazard mortality among disabled occupation paid panies payable payment of premiums permanent disability Pipe Pipe's policyholder premium benefit premium payments premiums upon disability proof of disability provision rate of mortality rates of disability recovery reserve risk Royal League selling feature Sidney H Society of America special aggregate sum insured surrender value term insurance term policies total and permanent total disability twenty installments waiver of premium
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48 ÆäÀÌÁö - York, that he has become wholly and permanently disabled by bodily injury or disease so that he is and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit or from following any gainful occupation...
20 ÆäÀÌÁö - The Measure of Risk and Liability Under the Total and Permanent Disability Benefits in Life Insurance Policies,
53 ÆäÀÌÁö - If after one 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...
57 ÆäÀÌÁö - That any Medical Adviser of the Company shall be allowed to examine the person of the Insured in respect to any alleged permanent total disability, in the manner and at all times that the Medical Adviser may require.
52 ÆäÀÌÁö - ... of the sight of both eyes: or the total loss of the sight of one eye and the severance of one hand at or above the wrist...
79 ÆäÀÌÁö - ... such disability, the Company agrees to waive further payment of premiums under said Policy, such agreement to become operative only after endorsement of the same has been made on said Policy by the Company. Any premiums so waived shall not be deducted from the sum payable under said Policy but the waiver of premium payments shall have the effect of providing the same values and benefits as though the premiums waived had been actually paid in cash. It is further provided that notwithstanding proof...
79 ÆäÀÌÁö - Pai dup and this policy will continue In full force towards maturity, sharing in the profits of the Company among policies of its class, and with loan, cash and other guaranteed values increasing and progressing from year to year, in like manner as if the premiums were being duly and regularly paid by the insured. The total and permanent disability of the insured must be...
53 ÆäÀÌÁö - If the insured, while less than sixty years of age, after the first premium has been paid to the company on account of this policy, shall furnish due proof to the company while the policy is in full force and effect...
20 ÆäÀÌÁö - ... a thorough examination which is passed upon by a competent medical board. Hazardous occupations are carefully eliminated and the society does not operate in unhealthful localities such as Arkansas, Louisiana, Mississippi, and similar districts without special action by the Board of Trustees. . . . Its total and permanent disability claims are rigidly passed upon on their merits after a probationary period of six months. " Pipe's Rates Mr. Abb Landis has also made a study of the rates of disability...
21 ÆäÀÌÁö - Mead," using the data of the Knights of the Maccabees of the World. He used the same data as Mr. Landis, previously referred to, but his investigation extended further and included all the experience of the society from the date of its organization until October 1, 1909, a total of 2,927...