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About The Oregon statesman. (Salem, Or.) 1916-1980 | View Entire Issue (March 18, 1956)
t (Sec. T) Statesman, Satcm, Ore, Sun., M.ir. IS, X fill ygM ilIUJ LlnnMWI 11(111 Ulif tn fllE El VtUJ raJSTT .D-D-ECTT. SanSSSennmMM ...either in Benefits or in Cash Refund . GREATLY NEEDED FEATURES NEVER BEFORE UDKD IN 1 "HOSPITALIZATION" POLICY j tfSXD Tr QUO: uCOSSCi ! ' It Cuinot h cancelled ordis ccalini'cd byth3 company, even if ycu bsccms a, "poor risk" If you contract tn illness that becomes chronic or have an acci dental injury that i likely to tend you back to the hospital time after time, you become what insurance men call a "poor risk." Under tome policies the company can refuse to renew when your next premium is due. This may leave you without any, protection whatever, as most companies will not issue insurance to a poor risk. Now read this carefully. It Is one of the most revolutionary features ever incorporated in a low rate accident and health policy; Policy NC 701 under the laws of your own State cannot be cancelled or discontinued by the company on any grounds , whatever except fraud on the part of the applicant! (Cancellation of course, is automatic when the face amount qf the policy has been paid in claims or the policy holder has reached age 75.) . No matter how often you are sick or hurt no matter how much money you collect no matter how little you have paid in no matter what the nature of the illness or injury that took place after your policy was in force the company MUST pay every loss specified for each sickness or accidental injury cov ered by the policy until the full face amount of the policy hat been paid whether it is for $2500.00, 15000.00, or 17500.00. s Rates cannot bs rased.. ever! The cost 'of NC 701 depends upon your present age. The younger you are the smaller the premiums you pay and the larger the amounts available in face values. And the rate or premium you pay at your present age can never be raited! Even if you insure a baby at the age of three months, the low, low infant rate will never be raised when he reaches manhood or old age. If you tart at the low rate for your present age, your rate in years to come will always be the same. AC $3 kit accumulates "cash value" for you or your heirs Under most hospitalization and medical expense policies, you get paid only if you get sick or are injured. You may pay premiums for twenty years or forty years or longer without having a claim then for some reason drop your policy. The ordinary policy has bo Value whatever you don't get a penny of refund for the money you have paid in and never used. Under these same circumstances the NC 704 Policy accumulates whst insurance men call "cash value." If you drop your policy the company pays you the accumulated cash value in amounts which are plainly printed in your policy. If you die, the cash value is paid to your heirs or your estate. Benefits nsver can ba reduced la many hospitalization policies the benefits are reduced when you reach age 65 even though you may have paid in for years and never had a claim. The benefits under the new NC 701 never can be reduced. Under the laws of your own State, the company can not put "riders" on a policy already in force to exclude certain Ulnesses or to reduce benefits. Your NC 701 remains in force unchanged to age 75 or until the face amount of your benefit coverage is used up. En ffs?vr IT X:'? m--:03 Wc -LJf v Ah) i I 1 MB . M l 1 : m .i ...... a 1 S""k. 1 1 H I y I M u It u Ycu receive tlic full face value of yepr policy in benefits cr refund! Yes, you must receive face value of the policy either in benefits paid, as specified in the policy when you are sick or hurt, or in cash at ' maturity if you stay well With ordinary health snd accident policies the person who stays well never collects a penny. But under the legally binding terms of the NC 701 and by keeping your policy in force you must collect the full ca$h value of your policy! At the age of 75 a $5000.00 policy against which no claims have been made pays you $5000.00 in cash to provide funds for the care you may need after that. If claims for illness have been paid during the life of the policy, only a percentage of the amounts paid is deducted snd you still receive in cash the remaining cash value which is clearly printed in the policy. , vSDuGO Cm 1M C?(IIiXKiuOECl OGEE a All five of the costs of sickesss cr accidental injury are covered This amazing "hospitalization" policy pays up to $7500.00 for women and up to $5000.00 for men for five different costs of illness or injury listed below. It includes; rrr.mJ...m 1. PAYMENTS FOR HOSPITAL ROOM AND BOARD (indud ing general nursing care) at the rate of $8.00 a day for an unlimited time for illness, for two full years of injury up to the full face value of the policy. . DOCTOR BILLS. Payments at specified daily ratee for medical treatments by your own doctor whether you are in the hospital or at home or even for your visits to him in his office. Payments begin with third visit snd continue until you . are weU or for two years for injuries or until the entire face value of the policy is paid. : ' 3s SURGEON'S FEES. Payments for surgeon's fees of specified amounts for almost every kind of operation ever; performed (except face lifting, tooth extraction or other "cosmetic" or oral surgery). After policy is in force for ten months an addi- tional allowance of up to $80.00 is made for childbirth, or any complications of a pregnancy occurring 30 days or more after date of policy. 3a HOSPITAL EXTRAS. Payments of specified amounts are pro rvided for operating room, anesthetics, electrocardiograms,.' blood tests, metabolism tests, X-rays, (teeth excepted) blood transfusions, oxygen, iron lung, and ambulance service. Ca MEDICINES. You can also be paid up to $50.00 for medicines, drugs, or dressings prescribed by your doctor whether you are in or out of the hospital. ' AU of the above payments apply for each separate sickness or acci dent or for costs arising out of a recurrence of the same sickness ninety days or more after you were discharged by your physician. The exact amounts available are clearly printed in your policy in large type and the only limit on the total amount you can collect is the face value of the policy ranging from $3000.00 to $7500.00 for women and $2500.00 to $5000.00 for men. Exceptions and limitations are all clearly stated In the policies. 1 - w& - 'if a. & u St. i. THIS lOLICY-NC 701-18 OFFERED ONLY BY BANKERS UFB CASUALTY COMPANY The few exceptions such as mental illness, acts of wsr, simple rest cures, etc., are clearly stated in the policy. Hernia, heart disease," tuberculosis, tonsilectomy, etc., are covered only when occurring six months after issuance of the policy. Benefits for most illnesses begin 30 days after date of policj; benefits for accidental injury begin from first day. Policy NC 701 is not yet available in all states. CAN BE TAKEN OUT BY SELF-SUPPORTING MEN OR WOMEN UP TO ACE 45 -Parents also can take out NC 701 for a child at any age from three months up. When he finishes school and starts to work, be can take over his own policy and continue it at the same low infant rate. NC 701 is not available to unemployed adults, and does not extend to losses covered by Workman's Compensa tion or Occupational Disease laws. . ' REMAINS IM FORCE TO ACI 75 NC 701 covers you without change of rate or benefits until you reach the age of 75 or until the full amount of the face value of the policy has been paid. If you die before the age of 75, your heirs are paid the residual accumu lated cash value, as provided in the policy. ' . i i i 1.4; -T i I Sn. I - "And John says that if he stays well, " he will get $5000.00 back!" .. , AND THAT IS ONLY ONE OF THE SIX UN USUAL FEATURES NEVER DEFORE OFFERED THE AMERICAN PUDLIC AT SUCH LOW RATES Bankers Life & Casualty Company again dares to challenge the entire Insurance Industry by offering the public a sickness and accident policy so different that everyone who sees this page will want to read every detail of every outstanding feature right down to the fine print. Tear it out take it home read it tonight carefully, thoughtfully, fully. Then mail the coupon for details of the benefits and the costs that apply at your present age. No charge no obligation to buy. But you must at least know about the unusual protection that is now,available to you. A Cash Refund for Staying Well! No matter what you may have learned about "Hospital ization" insurance in the past, you can forget it now. An entirely new kind of protection is now available to every man and woman in good health who works for a living and for the children of these people. Protection can start as early as three months of age and cover you continuously until your 75th birthday, or until every cent of the face value of the policy has been paid to you whether you are sick or well Think- of that you even get a return of cash for staying well! Offered ONLY by Bankers Life I Casualty Company This remarkable new policy NC 701 is not issued by any company in the world except Bankers life & Casualty Com pany, an old Line legal reserve stock company that operates under the local laws of each State in which it haa offices. Policy NC 701 is quali fied under these state laws. Guaranteed Renewable Only You Can Cancef Almost all accident and health policies provide that the company may cancel the pol icy on any premium payment date and this is often done when the policyholder has suffered an illness or accident that may lead to frequent further claims. At the very time when you may need protection most it can be taken away from you. Under the terms of the NC 701 Policy only you can cancel. As long as you pay your premiums the policy remains in force until the full face value has been paid to you. Continuous,- Uninterrupted Protection The conquering of desdly disease; the longer life span of our people; and the need for con tinuous, uninterrupted protection to peater age has made obsolete the hospitalization poli cies based on statistics of even a decade ago. Read, now, the provisions of the policy made possible by the actuarial figures based on the vital statistics of today the policy that many insurance agents say is 10 years ahead of its time. Rates for Your Present Ago . . . Free Send your name and birthdate so we can supply you with complete details showing the amount of coverage available at your age and exactly what it will cost per month or per year. Thet is no obligation and no charge whatsoever for this information. An Old-Line Legal Reserve Stock Company OFFERING LIFE INSURANCE; AND BBOAD COVERAGE ACCIDENT AND HEALTH POLICIES, BOTH GUARANTEED RENEWABLE AND RENEWABLE AT OPTION Or THE COMPANY BANKERS LIFE & CASUALTY CO. m mi eeisst e m i e a e e ser, in MAIL THIS TREE IIIFOnT.lATIOrr COUPON THIS IS NOT AN APPLICATION FOR INSURANCE. IT IS MERELY YOUR REQUEST FOR FREE INFORMATION ON THE NEW NC 701, POLICY GUARANTEED RENEWABLE TO AGE 75. IN RECEIVING THIS INFOR MATION YOU ARE NOT UNDER THE SLIGHTEST OBLIGATION TO BUY CI. I. 4 CCO. BANKERS UFt A CASUALTY CO. I 4444 W. Uwitece Ave jj(.3U ' Chlct 90, Rllsels ' I CenUMMBt Pbaat supply me with Informa- IUoa tatae and benefit available to s ; erwMi tt my at uaUr the provwion tt , your aw policy NC 701, which it GUAR- IANTEED RENEWABLE TO AGE 75. It cltariy understood tkat I do not place - - ylf under the slightest ohJifatlon by re I auMtinf this information and that there h I bo chart 'or thi inform tioa now er at any MR, MRS. or MISS.. e ADDRESS., CITY., lOftfsr- .STATE., I I wos bem la rfce vewr. HOMI OFFICII CHICAGO 30, m.