You are reading a page from Met Life Industrial Life Insurance Policy (1929)
Part of the American Term Life Insurance History Project
Term Life Insurance
THIS POLICY PAYABLE AT DEATH ONLY

INDUSTRIAL LIFE POLICY
MONTHLY PREMIUMS, PAYABLE FOR 20 YEARS ONLY
AMOUNT OF POLICY PAYABLE AT DEATH ONLY
Distribution of Surplus Annually (See page 2)

Metropolitan Life Insurance Company
1 Madison Avenue, New York
THIS IS A 20-PAYMENT LIFE AND NOT A 20-YEAR ENDOWMENT POLICY


for amounts Less than One Thousand Dollars
In Consideration of the payment of the premium stated in the Schedule on page 4 hereof, on or before the first dag of each calendar month until premiums for Twenty full years shall have been paid or until the prior death of the insured, Doth Hereby Agree, subject to the conditions below and on page 2 hereof, each of which is hereby made a part of this contract and contracted by the insured and every person entitled to claim hereunder to be a part hereof, to pay upon receipt of due proof of the death of the Insured and upon surrender of this Policy and evidence of premium payment hereunder, the amount stipulated in said Schedule, to the executor or administrator of the Insured, unless payment be made under the provisions of the next succeeding paragraph.  
The COmpany may make any paymen or grant any non-forfeiture privilege provided herein to the Insured, husband or wife, or any relative by blood or connection by marriage of the Insured, or to any other person appearing to said Company to be equitably entitled to the same by reason o having incurred expense on behalf of the Insured, or for his or her burial; and the production of a receipt signed by either of said persons, or of other proof of such payment or grant of such privilege to either of them, shall be conclusive evidence that all claims under this Policy have been satisfied.
The Conditions, Privileges and Concessions to Policyholders, Schedule on page 4 hereof, and any endorsement either printed or written as made by the Company, on any of the pages following are a part of this contract as fully as if recited over the signatures hereto affixed
In Witness Whereof, the said Metropolitan Life Insurance Company has, by it's President and Secretary, signed and delivered this Policy on the date hereof as stated on page 4.



Secretary.
President.
Industrial Adult Whole Life Monthly Premiums, Payable for 20 Years Only INSURANCE PAYABLE AT DEATH Distribution of Surplus Annually [See page 2]
Ed. 6-1927    [6-27]
Form 1722 L
Ages 16 to 54
CONDITIONS
This Policy constitutes the entire agreement between the Company and the Insured and the holder and owner hereof. Its terms cannot be changed, or its conditions varied, except by the express agreement of the Company evidenced by the signature of its President or Secretary. Therefore, Agents (which term includes also Managers, Superintendents and Assistant Managers) are not authorized and have no power to make, alter, or discharge contracts, to waive forfeitures or to receive premiums on Policies more than thirty-one days in arrears, or to receipt for the same, and the payment to an Agent of any such arrears shall be at the sole risk of the person making such payment and shall not be credited as a payment upon the Policy, whether receipt be given for such payment or not.
The Company assumes no obligation prior to the date hereof.
If any premium under this Policy shall not be paid when due, the Policy shall lapse, subject to the provision for Grace Period and to the Non-Forfeiture Privileges as herein contained, and such lapse shall not be considered to have been waived by the Company in any respect by reason of the acceptance of overdue premiums upon this or any other Policy.
If, (1) the Insured is not alive or is not in sound health on the date hereof; or if (2) before the date^hereof, the Insured has been rejected for insurance by this or by any other company, order or association, or has, within two years before the date hereof, been attended by a physician for any serious disease or complaint, or, before said date, has had any pulmonary disease, or chronic bronchitis or cancer, or disease of the heart, liver or kidneys, unless such rejection, medical attention or previous disease is specifically recited in the "Space for Endorsements" on page 4 in a waiver signed by the Secretary or an Assistant Secretary; or if (3) any Policy on the life of the Insured hereunder has been previously issued by this Company and is in force at the date hereof, unless the number of such prior Policy has been endorsed by the Company in the "Space for Endorsements" on page 4 hereof, (it being expressly agreed that the Company shall not, in the absence of such endorsement, be assumed or held to know or to have known of the existence of such prior Policy, and that the issuance of this Policy shall not be deemed a waiver of such last mentioned condition), then, in any such case, the Company may declare this Policy void and the liability of the Company in the case of any such declaration or in the case of any claim under this Policy, shall be limited to the return of premiums paid on the Policy, except in the case of fraud, in which case all premiums will be forfeited to the Company.
If the age of the Insured has been misstated, the amount payable hereunder shall be such as the premium paid hereon would have purchased at the correct age.
Any assignment or pledge of this Policy or of any benefits hereunder shall be void and of no effect.
In any settlement under this Policy, any indebtedness to the Company hereunder shall be deducted.
Privileges and Concessions to Policyholders
PARTICIPATION IN SURPLUS. This Policy is a participating contract and, while in force, except when it becomes a Free Policy because of surrender or lapse, shall participate annually in the distribution of the surplus of the Company accruing hereon as ascertained and apportioned. The distribution shall be in such manner as may be determined by the Company with the approval of the Superintendent of Insurance of the State of New York.
note.—Because of the low rate of premium charged, the surplus accruing under Policies of this class will probably not be sufficient to enable the Company to make a distribution of surplus under this Policy until several years after the date of its issue.
OPTION TO SURRENDER WITHIN TWO WEEKS. If the terms of this Policy are not satisfactory or if its conditions are not accepted and agreed to, the Policy may be surrendered for cancellation at the office of the Manager of the District through which this Policy is delivered within two weeks from the date hereof; and if so surrendered within said period, the premiums paid hereon will be returned.
INCONTESTABILITY. This Policy shall be incontestable after it has been in force, during the lifetime of the Insured, for a period of one year from the date of its issue, except for non-payment of premiums, fraud or misstatement of age.
GRACE PERIOD. A grace of thirty-one days shall be granted for the payment of every premium after the first, during which time the insurance shall continue in force. If death occur within the days of grace, any overdue premium shall be deducted from the amount payable hereunder, but neither this concession nor the acceptance of any overdue premium shall create an obligation on the part of the Company to receive premiums which are in arrears over thirty-one days.
DISABILITY. If, while this Policy is in full force and effect and while there is no default in the payment of premium beyond the thirty-one days' grace period, the Insured shall lose by severance both hands, or both feet, or one hand and one foot, or lose permanently the sight of both eyes, total and permanent disability will be deemed to exist, and one-half of the amount of insurance then payable in the event of death shall be paid immediately upon receipt by the Company of due proof of such loss and surrender of this Policy. Thereafter no further premiums will be required and the Company will issue a free or paid-up Policy providing for payment at the death of the Insured of such benefit as would have been payable under the original Policy.
REVIVAL. Should this Policy lapse for non-payment of premium, it may be revived, if not more than two years' premiums are due and a cash surrender value has not been paid, upon payment of all arrears and the presentation of evidence, satisfactory to the Company, of the insurability of the Insured.
Form 1722 L.    6-27.
Privileges and Concessions to Policyholders—(Continued)
non-forfeiture privileges
FREE POLICY. After premiums upon this Policy have been fully paid for the respective periods named in the table below, then in case of default in the payment of any subsequent premium the Company will, without action on the part of the holder, conthis Policy as a non-participating Free Policy, payable on the same conditions as this Policy, but upon which no further payment of premiums shall be required, for a reduced amount in accordance with the following table, but any indebtedness to the Company hereon, if net repaid, will reduce such amount in the proportion which the indebtedness bears to the amount of surrender value used as a single premium in calculating the values appearing in the table. Such Free Policy shall not be entitled to Disability Benefits.
FREE POLICY VALUES FOR EACH $100 OF INSURANCE
age
 3
Years
 4 Years
 5
Years
 6
Years
 7
Years
 8
Years
 9
Years
 10
Years
 11
Years
 12
Years
 13
Years
 14
Years
 15
Years
 16
Years
 17
Years
 18
Years
 19
Years
 age
16
 $13.70
 $18.20
 $22.60
 $27.00
 $31.40
 $35.90
 $40.40
 $45.00
 $49.70
 $54.60
 $59.40
 $64.30
 $69.40
 $74.60
 $80.00
 $86.40
 $93.10
 16
17
 13.40
 17.80
 22.20
 26.50
 30.90
 35.40
 39.90
 44.50
 49.40
 54.20
 59.10
 64.00
 69.10
 74.40
 79.80
 86.30
 93.00
 17
18
 13.20
 17.40
 21.80
 26.10
 30.50
 35.00
 39.50
 44.20
 49.10
 54.00
 58.90
 63.80
 68.90
 74.20
 79.70
 86.20
 93.00
 18
19
 12.90
 17.10
 21.40
 25.80
 30.20
 34.60
 39.20
 43.90
 48.80
 53.70
 58.70
 63.60
 68.70
 74.00
 79.50
 86.10
 92.90
 19
—20—
 12.60
 16.80
 21.10
 25.40
 29.80
 34.30
 38.90
 43.60
 48.60
 53.50
 58.50
 63.50
 68.60
 73.90
 79.40
 86.00
 92.90
 -20-
21
 12.40
 16.60
 20.90
 25.20
 29.60
 34.00
 38.60
 43.40
 48.40
 53.40
 58.40
 63.40
 68.50
 73.80
 79.30
 86.00
 92.80
 21
22
 12.30
 16.40
 20.70
 25.00
 29.30
 33.80
 38.40
 43.30
 48.20
 53.30
 58.30
 63.40
 68.50
 73.70
 79.30
 85.90
 92.80
 22
23
 12.10
 16.30
 20.50
 24.80
 29.20
 33.60
 38.20
 43.20
 48.20
 53.20
 58.30
 63.40
 68.50
 73.70
 79.20
 85.90
 92.80
 23
24
 12.10
 16.20
 20.40
 24.60
 29.00
 33.40
 38.10
 43.10
 48.10
 53.20
 58.30
 63.40
 68.50
 73.70
 79.20
 85.80
 92.80
 24
-25-
 12.00
 16.10
 20.30
 24.50
 28.80
 33.30
 38.10
 43.10
 48.10
 53.20
 58.30
 63.40
 68.60
 73.80
 79.10
 85.80
 92.80
 —25—
26
 11.90
 15.90
 20.10
 24.40
 28.70
 33.20
 38.10
 43.10
 48.20
 53.20
 58.30
 63.50
 68.70
 73.90
 79.10
 85.80
 92.80
 26
27
 11.80
 15.90
 20.00
 24.30
 28.60
 33.10
 38.10
 43.20
 48.20
 53.30
 58.40
 63.50
 68.70
 73.90
 79.20
 85.80
 92.80
 27
28
 11.70
 15.80
 19.90
 24.20
 28.60
 33.20
 38.20
 43.20
 48.30
 53.40
 58.50
 63.60
 68.80
 74.00
 79.30
 85.80
 92.70
 28
29
 11.70
 15.70
 19.90
 24.20
 28.60
 33.30
 38.30
 43.30
 48.40
 53.50
 58.60
 63.70
 68.90
 74.10
 79.30
 85.80
 92.70
 29
—30—
 11.60
 15.70
 19.90
 24.20
 28.60
 33.40
 38.40
 43.50
 48.50
 53.60
 58.70
 63.80
 69.00
 74.20
 79.40
 85.80
 92.70
 —30-
31
 11.60
 15.70
 19.90
 24.20
 28.60
 33.50
 38.60
 43.60
 48.70
 53.70
 58.80
 63.90
 69.10
 74.30
 79.50
 85.70
 W4.70
 31
32
 11.70
 15.80
 20.00
 24.30
 28.70
 33.70
 38.70
 43.80
 48.80
 53.90
 58.90
 64.00
 69.20
 74.40
 79.60
 85.70
 92.70
 32
33
 11.70
 15.80
 20.00
 24.30
 28.90
 33.90
 38.90
 43.90
 48.90
 54.00
 59.10
 64.20
 69.30
 74.40
 79.70
 85.70
 92.70
 33
34
 11.70
 15.90
 20.10
 24.40
 29.10
 34.10
 39.10
 44.10
 49.10
 54.10
 59.20
 64.20
 69.30
 74.50
 79.70
 85.70
 92.70
 34
—35—
 11.80
 15.90
 20.20
 24.50
 29.20
 34.20
 39.20
 44.20
 49.20
 54.20
 59.30
 64.30
 69.40
 74.60
 79.80
 85.70
 92.70
 —35-
36
 11.80
 16.00
 20.20
 24.50
 29.40
 34.40
 39.40
 44.40
 49.30
 54.30
 59.40
 64.40
 69.50
 74.60
 79.80
 85.70
 92.60
 36
37
 11.90
 16.00
 20.30
 24.60
 29.50
 34.50
 39.50
 44.50
 49.40
 54.40
 59.40
 64.50
 69.50
 74.70
 79.90
 85.60
 92.60
 37
38
 11.90
 16.10
 20.30
 24.70
 29.70
 34.60
 39.60
 44.60
 49.50
 54.50
 59.50
 64.50
 69.60
 74.70
 79.90
 85.60
 92.60
 38
39
 12.00
 16.10
 20.30
 24.80
 29.80
 34.80
 39.70
 44.70
 49.60
 54.60
 59.50
 64.50
 69.60
 74.70
 79.90
 85.50
 92.60
 39
—40—
 12.00
 16.10
 20.40
 25.00
 29.90
 34.90
 39.80
 44.70
 49.70
 54.60
 59.50
 64.50
 69.60
 74.70
 79.90
 85.50
 92.50
 —40—
41
 12.00
 16.20
 20.40
 25.10
 30.00
 35.00
 39.90
 44.80
 49.70
 54.60
 59.60
 64.50
 69.60
 74.70
 79.90
 85.40
 92.50
 41
42
 12.00
 16.20
 20.40
 25.20
 30.10
 35.00
 40.00
 44.90
 49.70
 54.60
 59.50
 64.50
 69.50
 74.60
 79.80
 85.30
 92.40
 42
43
 12.10
 16.20
 20.40
 25.30
 30.20
 35.10
 40.00
 44.90
 49.80
 54.60
 59.50
 64.50
 69.50
 74.60
 79.80
 85.20
 92.40
 43
44
 12.10
 16.20
 20.50
 25.40
 30.30
 35.20
 40.10
 44.90
 49.80
 54.60
 59.50
 6440
 69.40
 74.50
 79.70
 85.10
 92.30
 44
—45—
 12.10
 16.30
 20.50
 25.50
 30.40
 35.20
 40.10
 44.90
 49.70
 54.60
 59.40
 64.40
 69.30
 74.40
 79.60
 85.00
 92.20
 -45-
46
 12.10
 16.30
 20.60
 25.60
 30.40
 35.30
 40.10
 44.90
 4970
 5450
 59.40
 64.30
 69.20
 74.30
 79.50
 84.90
 92.20
 46
47
 12.10
 16.30
 20.70
 25.60
 30.50
 35.30
 40.10
 44.90
 49.70
 54.50
 59.30
 64.10
 69.10
 74.20
 79.40
 84.90
 92.10
 47
48
 12.10
 16.30
 20.80
 25.70
 30.50
 35.30
 40.10
 44.90
 49.60
 54.40
 59.20
 64.00
 69.00
 74.00
 79.30
 84.70
 92.00
 48
49
 12.20
 16.30
 20.90
 25.80
 30.60
 35.40
 40.10
 44.80
 49.60
 54.30
 59.00
 63.90
 68.80
 73.90
 79.10
 84.60
 91.90
 49
—50—
 12.20
 16.30
 20.90
 25.80
 30.60
 35.40
 40.10
 44.80
 49.50
 54.20
 58.90
 63.70
 68.60
 73.70
 78.90
 84.50
 91.80
 —50—
51
 12.20
 16.30
 21.00
 25.90
 30.60
 35.40
 40.10
 44.70
 49.40
 54.00
 58.70
 63.50
 68.40
 73.50
 78.70
 84.30
 91.70
 51
52
 12.20
 16.30
 21.10
 25.90
 30.70
 35.40
 40.00
 44.60
 49.30
 53.90
 58.60
 63.30
 68.20
 73.20
 78.50
 84.20
 91.50
 52
53
 12.20
 16.30
 21.10
 25.90
 30.70
 35.30
 40.00
 44.60
 49.10
 53.70
 58.40
 63.10
 67.90
 73.00
 78.30
 83.90
 91.40
 53
54
 12.20
 16.40
 21.20
 26.00
 30.70
 35.30
 39.90
 44.50
 49.00
 53.60
 58.20
 62.90
 67.70
 72.70
 78.00
 83.70
 91.20
 54
CASH SURRENDER VALUE. After this Policy has been in force for the respective periods named in the table below, and premiums have been fully paid for such periods, upon written application made upon blanks furnished by the Company, accompanied by the surrender of this Policy and evidence of premium payment, the Company will pay a Cash Surrender Value in accordance with the following table, less any indebtedness to the Company hereon.
The Company may, at its option, defer the granting of the Cash Surrender Value for a period not exceeding ninety days after the application therefor is received by the Company.
CASH SURRENDER VALUES FOR EACH $100 OF INSURANCE
age
 10
Years
 11
Years
 12
Years
 13
Years
 14
Years
 15
Years
 16
Years
 17
Years
 18
Years
 19
Years
 20
Years
 age
 10
Years
 11
Years
 12
Years
 13
Years
 14
Years
 15
Years
 16
Years
 17
Years
 18
Years
 19
Years
 20
Years
16
 $16.45
 $18.51
 $20.67
 $22.90
 $25.21
 $27.67
 $30.27
 $33.01
 $36.28
 $39.77
 $43.49
 36
 $23.19
 $26.28
 $29.49
 $32.82
 $36.27
 $39.86
 $43.60
 $47.49
 $51.90
 $57.14
 $62.78

 		 16.58
 18.70
 20.91
 23.18
 f
.54
 2A04
 30,70
 33.51
 36.87
 4045.
 44.28,
 37
 23.68
 26.83
 30.09
 £3.47
 36-98..
 40.63,
 44.42
 .48.38
 62.81
 58.15
 63.88
——— H~
 NT.73
 18.91
 21.16
 23.48
 ;89
 28.42
 31.16
 34.04
 37.49
 41.16
 45.08
 38
 24.19
 27.38
 30.69
 34.12
 37.69
 41.39
 45.24
 49.26
 53.72
 59.15
 64.99
19
 16.91
 19.13
 21.42
 23.80
 26.26
 28.83
 31.63
 34.59
 38.12
 41.90
 45.91
 39
 24.69
 27.94
 31.30
 34.78
 38.39
 42.15
 46.06
 50.14
 54.63
 60.16
 66.10
-20-
 17.10
 19.37
 21.71
 24.14
 26.67
 29.30
 32.13
 35.17
 38.78
 42.64
 46.76
 —40—
 25.19
 28.49
 31.90
 35.43
 39.10
 42.91
 46.88
 51.02
 55.55
 61.16
 67.22
21
 17.32
 19.63
 22.02
 24.51
 27.10
 29.80
 32.66
 35.77
 39.47
 43.41
 47.63
 41
 25.70
 29.05
 32.50
 36.09
 39.80
 43.67
 47.69
 51.90
 56.45
 62.16
 68.33
22
 17.56
 19.91
 22.36
 24.91
 27.57
 30.33
 33.22
 36.40
 40.18
 44.21
 48.52
 42
 26.21
 29.60
 33.10
 36.73
 40.50
 44.42
 48.50
 52.76
 57.34
 63.16
 69.43
23
 17.82
 20.23
 22.73
 25.34
 28.06
 30.89
 33.84
 37.05
 40.91
 45.03
 49.43
 43
 26.71
 30.15
 33.70
 37.38
 41.19
 45.16
 49.29
 53.62
 58.23
 64.14
 70.53
24
 18.11
 20.57
 23.13
 25.80
 28.58
 31.47
 34.48
 37.71
 41.65
 45.86
 50.36
 44
 27.21
 30.69
 34.29
 38.01
 41.87
 45.88
 50.07
 54.46
 59.11
 65.11
 71.63
-25—
 18.41
 20.93
 23.55
 26.28
 29.12
 32.07
 35.15
 38.40
 42.42
 46.73
 51.31
 — 45 —
 27.71
 31.23
 34.87
 38.63
 42.54
 46.60
 50.84
 55.28
 59.96
 66.07
 72.71
26
 18.75
 21.32
 24.00
 26.78
 29.68
 32.70
 35.84
 39.11
 43.21
 47.60
 52.28
 46
 28.20
 31.76
 35.44
 39.25
 43.19
 47.30
 51.59
 56.09
 60.84
 67.02
 73.79
27
 19.11
 21.73
 24.47
 27.31
 30.26
 33.34
 36.54
 39.88
 44.02
 48.49
 53.26
 47
 28.69
 32.29
 36.00
 39.85
 43.83
 47.98
 52.32
 56.88
 61.70
 67.94
 74.85
28
 19.49
 22.17
 24.96
 27.85
 30.87
 34.00
 37.27
 40.67
 44.84
 49.40
 54.27
 48
 29.17
 32.80
 36.55
 40.43
 44.45
 48.64
 53.03
 57.64
 62.53
 68.85
 75.89
29
 19.89
 22.63
 25.47
 28.42
 31.49
 34.69
 38.01
 41.48
 45.69
 50.32
 55.29
 49
 29.64
 33.31
 37.09
 41.00
 45.06
 49.28
 53.71
 58.38
 63.34
 69.74
 76.92
-30—
 20.32
 23.11
 26.00
 29.01
 32.14
 35.39
 38.78
 42.30
 46.54
 51.26
 56.32
 —50—
 30.10
 33.80
 37.61
 41.55
 45.64
 49.90
 54.37
 59.09
 64.12
 70.60
 77.93
31
 20.77
 23.61
 26.56
 29.62
 32.80
 36.11
 39.55
 43.14
 47.40
 52.22
 57.37
 51
 30.56
 34.28
 38.12
 42.08
 46.19
 50.48
 54.99
 59.76
 64.87
 71.42
 78.92
32
 21.23
 24.12
 27.12
 30.24
 33.48
 36.84
 40.35
 44.00
 48.29
 53.18
 58.43
 52
 31.00
 34.75
 38.60
 42.59
 46.72
 51.04
 55.58
 60.40
 65.58
 72.23
 79.89
33
 21.71
 24.65
 27.71
 30.87
 34.17
 37.59
 41.15
 44.86
 49.18
 54.16
 59.50
 53
 31.43
 35.20
 39.07
 43.07
 47.22
 51.56
 56.14
 61.01
 66.25
 72.99
 80.83
34
 22.20
 25.19
 28.29
 31.52
 34.86
 38.34
 41.96
 45.73
 50.08
 55.15
 60.59
 54
 31.85
 35.64
 39.52
 43.53
 47.70
 52.05
 56.66
 61.57
 66.88
 73.72
 81.75
-36—
 22.69
 25.73
 28.89
 32.16
 35.57
 39.10
 42.78
 46.61
 50.99
 56.14
 61.68
 
 
 
 
 
 
 
 
 
 
 
 
Note 1.—The two tables above show the Values for each $100 of insurance.    If the insurance is $500, the Values should be multiplied by 5; if the
insurance is $600, they should be multiplied by 6; and so on.
Note 2.—While the Values in the above tables are yearly Values, the Company will make proportionate increase based on monthly payments. Note 3.—Cash Surrender Values for subsequent years will be furnished on request.
Form 1722 L.    6-27.
INDUSTRIAL POLICY ACCIDENTAL DEATH BENEFIT. Upon receipt of due proof that the Insured, after attaining age 15 and prior to attaining age 70, has sustained, after the date of this Policy, bodily injuries, solely through external, violent and accidental means, resulting, directly and independently of all other causes, in the death of the Insured within ninety days from the date of such bodily injuries while this Policy is in force, and while premiums are not in default beyond the grace period specified in this Policy, the Company will pay in addition to any other sums due under this Policy and subject to the provisions of this Policy an Accidental Death Benefit equal to the face amount of insurance then payable at death, except that if such bodily injuries are sustained by the Insured while employed in or on the premises of any open pit or underground mine, or are sustained by the Insured while on or about the premises or right of way of any railroad company while the Insured is following the occupation of gang, track, or roadway laborer, track walker, yard, freight or mixed train brakeman or flagman, then the Accidental Death Benefit shall be only one-half of the face amount of insurance then payable at death. In any case, the amount of the Accidental Death Benefit shall be reduced by the amount of any Disability Benefit which has become payable under this Policy on account of the same injuries as resulted in death.
No Accidental Death Benefit will be paid if the death of the Insured is the result of self-destruction, whether sane or insane, nor if death is caused or contributed to, directly or indirectly, or wholly or partially, by disease, or by bodily or mental infirmity, nor if death results from bodily injuries sustained while participating in aviation or aeronautics, or while the Insured is in military or naval service in time of war.
In the case of Endowment policies providing a Conditional Option of Free Whole Life Insurance at the time of maturity as an endowment, the Accidental Death Benefit will not be included in any Free Whole Life Policy issued pursuant to such Option.
The Accidental Death Benefit is granted without specific extra premium being charged therefor, the cost being included in the premium for this Policy.
metropolitan life insurance company

Form 694 Ind.
Dec. 1928
PRINTED IN U.S.A.
Secretary.
Ed. June, 1927.   Ag6S 16 to 54.
.SENECA NY % MB
20-Payment Life.     Adult Whole Life, Monthly Premiums Payable for 20 Years.     Form 1722 L.

SCHEDULE REFERRED TO ON PAGE 1
Number of Policy
721311 M
 Date
OCT  1   1929'
 Name of the Insured ANTONIO D PAGLIA
 Age next Birthday at Issue 34 years
 Amount of Insurance
$100-
 Monthly Premium
$1.68
SPACE FOR ENDORSEMENTS REFERRED TO IN CONDITIONS ON PAGE 2
Space for waivers by the Company
The following prior Policies are understood to be in force when this Policy is issued:
NOTICE TO POLICYHOLDERS
Please Read Your Policy Promptly Upon Receipt.
The election of Directors of the Company is to be held in New York on the second Tuesday in April, 1931, and every second year thereafter. The holder of this Policy while it remains in force, after one year from its date, will have a right to vote, either in person, or by proxy or by mail. For particulars how to vote, apply to the Secretary, No. 1 Madison Avenue, New York City.
Wherever in this Policy the words "the Insured" are used, reference is thereby made to the person upon whose life the Policy is issued.
If claim arises, claimant should personally call at District Office through which premiums have been paid. Do not employ undertaker or anybody else to collect. Pay neither doctor, undertaker nor agent for preparation of claim papers. Deliver the Policy only to the Company's representative. The Company is glad to pay and there is no necessity for help or alleged influence in collecting.
If it becomes impossible to continue payment of premiums, PRESERVE THIS POLICY because of the protection which may be afforded under its provisions.
PRINTED IN U.S.A.