SIX THE BAYONET: CAMP LEE, VA., FRIDAY, MAY 10, 1918 7. Amounts under one policy 28 8. Time limit . . . . . . . . . . . . . . . . 29; 10 9. Increase and decrease of amount . . . . . . . . . . . . . . . . 30-31 10. Kind of insurance . . . . . . . . 32 11. Continuing insurance after the war; conversion; estimated future cost; kind of insurance, etc. . . . . . . 33-37 12. Unassignable . . . . . . . . . . . . 38 13. Cost per thousand . . . . . . . . 39-40 14. Payment of premium and lapsing because of non-payment 15. Benefit to soldiers' dependents and himself in case of death or total disability . . . . . . . . . . . . . . 46, 49 1-Q. Has a soldier any financial obligations or duties other than the present support of himself and his dependents? A. Yes. He is at all times chargeable with his own preper support both now and in the future, and he is moreover, morally charged with the duty of making proper future provision for his dependents. 2-Q. What is commonly considered to be the least burdensome means by which a soldier can provide against the future? A. By means of insurance, which can be bought by the solider during his lifetime, and while he is still in good health and proper physical condition. 3-Q. Why should a solider endeavor to provide against future contingencies during his lifetime? A. The future welfare of a disabled or incapacitated solider, or the future protection of his dependents is a duty with which ever man is properly chargeable during his lifetime. In general, it may be said that the greatest, and at the same time the most commonly recognized and accepted obligations placed upon every man, whether he be a solider or not, is that duty laid upon him to be and remain a self-supporting member of society, and this duty applies with even greater force to such men who have voluntarily or otherwise assumed the obligation of the support and protection of a wife or family, or other dependents. Nearly every man can, if he will, undertake and properly discharge these duties during his lifetime, but not all can so arrange their affairs as to insure that in the event of death or disablement themselves and their families and dependents will not suffer from the lack of sufficient means to continue so. It is mainly because of this that plans of insurance have been worked out and developed whereby a man in his lifetime can provide against the future. Long experience has demonstrated that insurance is practicable, and has, moreover, also demonstrated that it is in many instances the only means by which a greater majority of men can secure a competence for themselves and their families. 4-Q. Is not the cost of a sufficiently adequate amount of insurance as sold by most companies more than the solider can pay? A. In very many cases it is. Moreover, for a soldier its costs is usually so high as to be absolutely prohibitive. 5-Q. How then can a soldier who recognizes his future financial duties and obligations and desires to properly discharge them be expected to do so when the cost of the only available means is beyond him? A. The government of the Unitied States has appreciated the difficulties which beset the soldier who desires to take out insurance, and by reason of his occupation and scanty rate of pay is prevented from doing so. It has also recognized that the best means to enable the soldier to do so is to make it possible for him to buy insurance. The government, therefore, prepared and arranged a plan of insurance whereby the soldier can protect himself and his dependents in the future. It has also been practical enough to recognize that this insurance must be brought within the means of the soldier, and in order to do this the government has charged itself with defraying by far the greatest portion of the cost of such insurance.