TEXT: This HPLHS Prop Document is for entertainment purposes only.
  Designed and implemented by Andrew Leman. © 2002 by HPLHS. All rights
  reserved. Permission is hereby granted for the user to print copies for
  his/her personal use in role-playing games. No other permission is granted,
  and any commercial or illegal use of this digital file or the prop you can
  make with it is ENTIRELY PROHIBITED.
  Please do not distribute this document.
  It is available from www.cthulhulives.org
  Questions? Ask them.
  andrew@ahleman.com
  LIFE INSURANCE POLICY
  This prop is based on actual vintage insurance paperwork. Every occult investi-
  gator should have life insurance.
  Enter information using built-in Acrobat form fields (or delete default entries
  and print prop “blank”, and enter info using a real typewriter or by hand).
  Print on white or off-white 11x17 inch paper. The prop is meant to be printed on
  both sides of the paper. Print page two of this file on one side, then reinsert
  paper and print page three on the reverse. 
  Fold finished policy in half, then in thirds as shown, so that the policy summary
  is on the outside.
  NOTE: This is the full-size insurance policy, and is the most realistic version of
  this prop. But, assuming that most people don’t have access to a printer that
  can handle 11x17 inch paper, a second version is included for printing on regu-
  lar letter-size paper.
  Fold here first
  Fold here second
  Fold here third
  so this panel
  is on the outside.
  Folded policy fits
  in a standard
  envelope.
  
  ENDORSEMENTS REFERRED TO IN POLICY CONDITIONS.
  FOR ENDORSEMENTS MADE SUBSE QUENT TO DATE OF ISSUE SEE PAGE 3.
  Insured has permission to hold this policy in addition to
  Space for waivers by the Company
  WHOLE  LIFE  POLICY
  FILING BACK
  20-YEAR PAYMENT LIFE POLICY
  PAYABLE AT DEATH
  ------
  A m o u nt $500
  ------ 
  PRE MIUMS PAYABLE FO R TW ENTY
  YEARS O R UNTIL PRIO R DECEASE
  ------ 
  ANNUAL SURPLUS DISTRIBUTIO NS
  BEGINNIN G AT EN D OF FIFTH YEAR
  ------ 
  THE
  [
  ]
  ------ 
  READ YOUR POLICY CAREFULLY
  ------ 
  IN CASE OF ANY QUESTIO N, in order to ensure pro m pt
  attention, n otify at on ce th e Su p erinten dent of th e
  District wh ere th e pre miu ms are b ein g collected.  If
  pro m pt action is n ot secured, sen d a letter or p ost card
  to th e STRO N GHOLD MUTUAL LIFE INSURANCE CO MPA-
  NY AT BOSTO N, M ASSACHUSETTS.
  The assured is hereby notified that by virtue
  of this policy he is a member of the Stronghold
  Mutual Life Insurance Company, and is entitled
  to vote either in person or by proxy at any and
  all meetings of said Company.  The annual
  meetings are held at its home office on the
  second Monday of February in each year, at
  twelve o’clock noon.
  |
  WHOLE  LIFE  POLICY
  THE[
  ]
  In Consideration of the payment of the premium stipulated herein on or before each Wednesday
  until the premiums for twenty full years shall have been paid, or until the prior death of the Insured, grants
  this insurance with the privileges and benefits and subject to the conditions and provisions on this and the
  three following pages which are hereby made a part of this contract and constitute the entire contract
  between the parties hereto.
  On satisfactory proof of the death of the Insured made in the manner and to the extent required
  herein and upon surrender of the Policy and Premium Receipt Books, the Company will pay the amount
  due hereunder.  The Company may make any payment or grant any non-forfeiture benefit provided herein
  either to the beneficiary above named, if living, or to such other living beneficiary as may be duly and final-
  ly designated, and recognized by endorsement hereon, or to the Executor or Administrator of said Insured
  or to any relative by blood or connection by marriage, or to any person appearing to the Company to be equi-
  tably entitled thereto by reason of having incurred expense in any way on behalf of the Insured for burial
  or for any other purpose; and the receipt of any such payee shall be conclusive evidence that payment has
  been made to the person or persons entitled thereto and that all claims under this policy have been fully
  satisfied.
  This policy shall not take effect unless upon its date the Insured shall be alive and in sound health
  and the premium duly paid.
  In Witness Whereof, the said Stronghold Mutual Life Insurance Company has, by its President
  and Secretary, executed and delivered this contract on the date herein above set forth.
  Z
  Policy Number   
  Date
  Name of Insured  
  Name of Beneficiary  
  Relationship to Insured
  Full Policy Amount  
  Age next birthday  
  Weekly Premium 
  Agent
  500 Dollars 
  Years                                                 Cents
  @
  Secretary !
  President
  $500 Adult 20-Year Payment Life
  Form HPLHS812J24   NO CASH VALUE
  INCORP
  1862
  TWENTY-YEAR PAYMENT WHOLE LIFE POLICY: PAYABLE AT DEATH
  PREMIUMS PAYABLE FOR TWENTY YEARS OR UNTIL PRIOR DECEASE
  THIS POLICY IS IN FULL IMMEDIATE BENEFIT FROM ITS DATE
  ANNUAL SURPLUS DISTRIBUTIONS BEGINNING AT END OF FIFTH YEAR
  {
  8388972
  July 22, 1927
  Harley Warren
  Randolph Carter
  Sidekick
  J. Peabody
  12
  42
  
  Premium Payments Cease After Twenty Years. After the premiums shall have been paid hereon for twenty full years, this policy will continue in full force,
  subject to its conditions, without the payment of further premiums.
  Change of Beneficiary. With the consent of the Company, the Insured, if of lawful age, may from time to time change the beneficiary by request to the Home
  Office upon the Company’s prescribed form accompanied by this policy, such changes to take effect only upon endorsement hereon by the Company.
  Assignment. Any assignment or pledge of this policy or of any benefits hereunder shall be void and of no effect.
  Incontestability. After this policy shall have been in force during the lifetime of the Insured for a period of two years from its date of issue, it shall be incon-
  testable except for non-payment of premiums, or for failure to have the policy endorsed in case of previously issued insurance as herein provided, or for error in age.
  Age Adjustment. In case of misstatement of age, the amount payable hereunder shall be that which the premiums paid would have purchased at the true
  age, according to the table of rates and benefits on which this policy is based.
  Distribution of Surplus. Beginning at the end of the fifth year from its date, if all the premiums then due shall have been paid, this policy shall annually par-
  ticipate in such distribution of the surplus as the Company may apportion.  Surplus distributions will be applied in payment of premiums unless the holder elects to
  receive them in cash.
  Reinstatement.
  At any time within one year from default in payment of premiums, if the cash surrender value has not been paid or the extension term
  expired, this policy may be reinstated upon production of evidence of insurability satisfactory to the Company and approved at its Home Office, and upon payment of
  arrears of premiums and payment or reinstatement of any indebtedness hereon or secured hereby.
  Period of Grace. This policy will be paid subject to its condition if the Insured die while premiums are in arrears not more than four weeks, 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, nor shall it be
  a waiver of their payment on Wednesday of each week in advance.
  NON-FORFEITURE BENEFITS.—Automatic Extended Term Insurance After Three Years. After premiums shall have been paid on this policy for three full
  years, then, in case of failure to pay any subsequent premium, the policy, without any further stipulation or act, will be binding on the Company for its full amount as
  EXTENDED TERM INSURANCE, commencing from the date to which the premiums shall have been paid, the length of the term to be determined by the period of premium
  payments, according to Table A.  The insurance will wholly cease and expire at the end of that term of extension to which the policy is entitled under its conditions.
  Alternative Option of Paid-up Policy or Cash Surrender Value After Five Years. After premiums shall have been paid on this policy for five full years, then, in
  case of failure to pay any subsequent premium, if the holder hereof, instead of having the policy continued as extended insurance as above provided, shall elect in place
  thereof to avail himself of either one of the following options, and shall signify his preference by writing filed with the Company at its Home Office, while the extend-
  ed insurance is in force and not later than thirteen weeks from the date to which the premiums shall have been paid, the Company will, upon surrender of the policy,—
  OPTION 1.—Issue in exchange therefor a PAID-UP POLICY according to Table B. payable at the same time and on the same conditions as this policy.
  OPTION 2.—Or, with the written assent of the person to whom the policy is payable, pay the CASH SURRENDER VALUE according to Table C, within sixty days
  after written demand therefor.
  The figures in Tables A, B and C are for the end of the full paid policy year, on the assumption that there is no indebtedness then existing hereon. The fig-
  ures for additional years will be furnished on request. 
  If neither the option of paid-up policy nor of cash surrender value be chosen as above provided, then the policy will be continued as extended insurance,
  subject to its terms.
  This policy is based on reserves calculated upon the Standard Industrial Mortality Table with interest assumed at three and one-half per cent.  The values
  and extension terms stated herein are the equivalents of the reserve at the end of each full paid policy year, less an amount not exceeding two and one-half per cent. of
  the full policy amount.  They will be increased by a proportionate part of the difference between such reserve and that of the succeeding year for each thirteen weeks
  premiums paid beyond the full paid policy year, and will be lessened by deduction from such reserve of any indebtedness to the Company on or secured by the policy.
  A paid-up policy issued under the terms hereof will have a surrender value which will be its net value at the date of the demand therefor, less any indebt-
  edness on or secured by the policy; and if this policy shall become extended insurance after payment of premiums for five full years, it will have a surrender value, sim-
  ilarly determined, but decreasing and expiring with the extension term.  The Company will pay such value within sixty days after written demand therefor, upon sur-
  render of the policy, with the written assent of the person to whom it is payable.
  TABLE A.
  Age 
  at
  Issue
  21
  22
  23
  24
  25
  26
  27
  28
  29
  30
  End of
  3 
  Years
  End of
  4 
  Years
  End of
  5 
  Years
  End of
  6 
  Years
  End of
  7 
  Years
  End of
  8 
  Years
  End of
  9 
  Years
  End of
  10 
  Years
  End of
  11 
  Years
  End of
  12 
  Years
  End of
  13 
  Years
  End of
  14 
  Years
  End of
  15 
  Years
  End of
  16 
  Years
  End of
  17 
  Years
  End of
  18 
  Years
  End of
  19 
  Years
  End of
  20 
  Years
  Yrs
  4
  4
  3
  3
  3
  3
  3
  3
  3
  3
  Wks
  27
  10
  48
  36
  27
  20
  14
  10
  6
  3
  Yrs
  6
  6
  6
  5
  5
  5
  5
  5
  4
  4
  Wks
  35
  16
  0
  38
  27
  17
  9
  3
  50
  47
  Yrs
  8
  8
  7
  7
  7
  7
  7
  6
  6
  6
  Wks
  38
  17
  51
  36
  24
  13
  5
  51
  47
  43
  Yrs
  10
  10
  10
  9
  9
  9
  9
  9
  8
  8
  Wks
  38
  18
  0
  37
  25
  15
  7
  2
  49
  45
  Yrs
  12
  12
  12
  11
  11
  11
  11
  11
  11
  10
  Wks
  45
  25
  8
  45
  33
  23
  15
  8
  2
  49
  Yrs
  15
  14
  14
  14
  13
  13
  13
  13
  13
  13
  Wks
  6
  39
  21
  7
  45
  35
  25
  17
  10
  2
  Yrs
  17
  17
  16
  16
  16
  15
  15
  15
  15
  15
  Wks
  25
  5
  39
  23
  8
  48
  36
  26
  16
  6
  Yrs
  19
  19
  19
  18
  18
  18
  17
  17
  17
  17
  Wks
  47
  25
  5
  39
  23
  8
  46
  33
  19
  6
  Yrs
  22
  21
  21
  21
  21
  20
  20
  20
  19
  19
  Wks
  16
  44
  23
  2
  35
  17
  35
  12
  5
  33
  Yrs
  24
  24
  24
  23
  23
  23
  23
  23
  22
  22
  Wks
  46
  18
  43
  16
  43
  18
  46
  22
  50
  25
  Yrs
  26
  26
  25
  25
  25
  24
  24
  23
  23
  22
  Wks
  33
  8
  35
  12
  42
  20
  0
  31
  11
  42
  Yrs
  29
  28
  28
  27
  27
  27
  27
  26
  26
  25
  Wks
  1
  22
  44
  15
  38
  10
  35
  7
  32
  1
  Yrs
  31
  30
  29
  29
  28
  28
  27
  27
  27
  26
  Wks
  2
  21
  40
  8
  29
  50
  19
  41
  10
  32
  Yrs
  32
  32
  32
  31
  31
  30
  29
  28
  27
  27
  Wks
  51
  16
  33
  51
  17
  35
  2
  20
  39
  6
  Yrs
  33
  32
  32
  32
  31
  31
  30
  29
  29
  28
  Wks
  48
  17
  43
  9
  14
  32
  51
  7
  32
  19
  Yrs
  34
  33
  33
  32
  32
  32
  32
  31
  30
  29
  Wks
  33
  9
  52
  47
  35
  29
  26
  31
  16
  33
  Yrs
  36
  35
  34
  34
  34
  33
  32
  32
  32
  32
  Wks
  12
  25
  39
  18
  25
  35
  16
  7
  22
  50
  Yrs
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Pd.
  Wks
  up
  up
  up
  up
  up
  up
  up
  up
  up
  up
  TABLE B.
  Age 
  at
  Issue
  21
  22
  23
  24
  25
  26
  27
  28
  29
  30
  End of
  5 
  Years
  $50
  49
  48
  48
  47
  47
  46
  46
  46
  46
  End of
  6 
  Years
  $63
  62
  61
  60
  60
  59
  59
  59
  58
  58
  End of
  7 
  Years
  $75
  74
  74
  74
  73
  72
  72
  71
  71
  71
  End of
  8 
  Years
  $88
  87
  86
  85
  84
  84
  84
  83
  83
  83
  End of
  9 
  Years
  $100
  99
  98
  97
  96
  96
  96
  96
  95
  95
  End of
  10 
  Years
  $112
  111
  110
  110
  109
  109
  108
  108
  108
  108
  End of
  11 
  Years
  $125
  124
  123
  122
  121
  121
  121
  121
  121
  120
  End of
  12 
  Years
  $136
  136
  135
  134
  134
  133
  133
  133
  133
  133
  End of
  13 
  Years
  $149
  148
  147
  147
  146
  146
  146
  146
  146
  146
  End of
  14 
  Years
  $161
  160
  160
  159
  159
  159
  159
  159
  159
  159
  End of
  15 
  Years
  $173
  172
  172
  172
  172
  171
  171
  171
  171
  172
  End of
  16 
  Years
  $185
  185
  185
  185
  184
  184
  184
  184
  184
  184
  End of
  17 
  Years
  $197
  197
  197
  197
  197
  197
  197
  197
  198
  198
  End of
  18 
  Years
  $210
  210
  210
  210
  210
  210
  210
  210
  211
  211
  End of
  19 
  Years
  $223
  223
  223
  223
  224
  224
  224
  224
  224
  224
  End of
  20 
  Years
  $250
  250
  250
  250
  250
  250
  250
  250
  250
  250
  TABLE C.
  Age 
  at
  Issue
  21
  22
  23
  24
  25
  26
  27
  28
  29
  30
  End of
  5 
  Years
  $16.67
  16.69
  16.71
  16.77
  16.87
  17.02
  17.21
  17.45
  17.69
  17.94
  End of
  6 
  Years
  $21.35
  21.41
  21.49
  21.61
  21.77
  21.99
  22.25
  22.54
  22.85
  23.17
  End of
  7 
  Years
  $26.10
  26.22
  26.37
  26.56
  26.80
  27.09
  27.42
  27.78
  28.16
  28.58
  End of
  8 
  Years
  $30.95
  31.15
  31.38
  31.65
  31.97
  32.34
  32.74
  33.18
  33.65
  34.17
  End of
  9 
  Years
  $35.92
  36.21
  36.52
  36.89
  37.29
  37.73
  38.22
  38.76
  39.35
  39.99
  End of
  10 
  Years
  $41.02
  41.41
  41.82
  42.27
  42.76
  43.30
  43.90
  44.55
  45.36
  46.04
  End of
  11 
  Years
  $46.27
  46.76
  47.27
  47.82
  48.42
  49.06
  49.78
  50.57
  51.42
  52.33
  End of
  12 
  Years
  $51.68
  52.28
  52.89
  53.55
  54.27
  55.05
  55.91
  56.83
  57.82
  58.88
  End of
  13 
  Years
  $57.25
  57.96
  58.70
  59.49
  60.34
  61.27
  62.28
  63.35
  64.50
  65.70
  End of
  14 
  Years
  $63.00
  63.84
  64.72
  65.66
  66.67
  67.75
  68.91
  70.15
  71.44
  72.80
  End of
  15 
  Years
  $68.95
  69.94
  70.98
  72.08
  73.26
  74.51
  75.83
  77.23
  78.68
  80.18
  End of
  16 
  Years
  $75.13
  76.28
  77.49
  78.77
  80.12
  81.55
  83.04
  84.60
  86.21
  87.87
  End of
  17 
  Years
  $81.54
  82.88
  84.28
  85.75
  87.28
  88.88
  90.55
  92.27
  94.05
  95.88
  End of
  18 
  Years
  $88.23
  89.77
  91.36
  93.02
  94.75
  96.53
  98.38
  100.28
  102.23
  104.23
  End of
  19 
  Years
  $95.20
  96.95
  98.75
  100.61
  102.53
  104.51
  106.54
  108.62
  110.76
  112.94
  End of
  20 
  Years
  $102.48
  104.44
  106.46
  108.53
  110.65
  112.82
  115.05
  117.33
  119.65
  122.03
  Alterations, Erasures and Waivers. No modification, change or alteration hereof or endorsement hereon will be valid unless signed by the President, a Vice
  President, the Secretary or an Assistant Secretary, and no other person is authorized on behalf of the Company to make, alter or discharge this contract or to waive for-
  feiture.  Agents are not authorized to waive any of the terms or conditions of this policy or to extend the time for payment of premiums or other moneys due to the
  Company, or to bind the company by making any promise not contained in this policy.
  Payment of Premiums. If any premium shall not be paid when due, the Company’s liability shall cease except as herein provided under “Period of Grace”
  and “Non-Forfeiture Benefits”. Premiums hereon are payable at the Home Office of the Company in Boston, but may be paid to any of its authorized Agents, subject to
  the conditions of the policy.  Should such Agent fail to call for any premium when due, it will be the duty of the Insured to make immediate payment of the premiums
  either to the District Office or to the Home Office.  Failure of the Agent to collect premiums will not relieve the Insured from the obligation to pay the premiums when
  due, nor will the Company assume any liability for such failure.  No payment of premium shall be valid unless entered in the Premium Receipt Book at the time of pay-
  ment, by the Agent or other representative of the Company, authorized to receive it, nor if made when more than four weeks in arrears, except as herein provided under
  “Reinstatement”.
  Policy When Void.  This policy shall be void: (1) if the Insured has been rejected for insurance by this or any other company, society or order; or has attend-
  ed any hospital, or institution of any kind engaged in the care or cure of human health or disease, or has been attended by any physician, within two years before the
  date hereof, for any serious disease, complaint or operation; or has had before said date any pulmonary disease, cancer, sarcoma, or disease of the heart or kidneys;
  unless each such rejection, medical and hospital attendance and previous disease is specifically waived by an endorsement in the space for endorsement on Page 4
  hereof signed by the Secretary; (2) or if an Industrial or Weekly Premium policy previously issued by this Company on the life of the Insured shall be in force on the
  date hereof or running as extended insurance, unless this policy bears an endorsement signed by the Secretary authorizing its continuance in addition to such previ-
  ously issued insurance.  The Company shall not be presumed or held to know of the issue of any prior policy or to know of any prior rejection.
  Proof of Claim. In case of death of the Insured, proofs of claim shall be made on blanks to be provided by the Company and shall contain full answers of the
  claimant, physician and other persons to all the questions asked therein and shall conform to all the requirements thereof.
  Refund of Premium. If this policy is not satisfactory, it may be returned within two weeks from its date, to the office of the Superintendent of the District and
  any premium paid will be refunded.  If not so returned, the policyholder shall be deemed to have accepted the policy and to have agreed to be bound by its terms and
  conditions. 
  Disability from Loss of Sight or Limbs. If 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, while this policy is in full force and effect and while there is no default in the payment of premiums, total and permanent disability shall 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.
  Thereafter, no further premium payments shall be required and the policy shall be endorsed showing the waiver of further premiums and providing for payment at the
  death of the Insured of the amount of insurance as specified in the schedule on Page 1.  This provision is granted without additional cost to the Insured.
  SPACE  FOR  ENDORSEMENTS  MADE  SUBSE QUENT  TO  DATE  OF  ISSUE.
  Form HPLHS812J24 
  
SOURCE: textdata/thevault/Call of Cthulhu (CoC) (BRP) [multi]/EXTRA/IRL Props/Prop FIles/LifeInsurance2.pdf