The Journal Times from Racine, Wisconsin • 16

Natibnslly-Knovvn Company Announces lb Lowest Rates Evcrl Enrollment Period Ends Midnight August '13, 1072 -allow dfo i Iran i ii i Your Individual, non-oroun policy will bt Issued dlrectlv from the comnanv no on win call wbHo? ym. on you at low dlrect-froittf he-company rates without sacrificing any beneflte or services. OTHER DIRECT-FROM-THE-COMPANY ADVANTAGES: Direct personal service anywhere In the any direct unlimited "collect call" privileges direct expert service counselling whenever you want and many mors dlrecMo-you benefits, read lull details on this psgs. Thest direct rates compariblt to group rates based on the official New York Statutory Table of Minimum Group lie Renewable Term Gross Premiums, the basis for most of the group life Insurance hi the U.S. Find your monthly direct rata for yourgs at each policy year below That Suits You Best km HUSBAND-WIFE PLAN $10,000 for you $5,000 for your whV If you haven't started your family yet, or if your children are arown RATE X'U BATE Jrl BATE $2.20 $2.60 fc $3.80 2.30 2.60 4.10 2.30 eg 2.70 4.50 2.40 2.70 4.90 2.40 2.80 5.30 2.50 2.90 5-80 2.50 as 3.oo 2.50 3.20 Sg 6.8p 2.50 3.40 ffl 7.40 2.60 3.60 At 8.10 i -r- you'll want the Husband-Wife Plan.

You and your wife will be covered under one low direct rate. Example: At age 35 your rate is $3.20 $1.40 for your wife (50 of rate shown for your wife's age.of 32) $4.60 basic monthly rate for you and your wife. Chooso tho Plan FAMILY PLAN $10,000 for you tor your wife $1,000 for each child If yott have a young growing family, we rec ommend the Family Plan. You and your wife and all your elisible children including future additions in eluded under one low monthly direct rate. Examplet At age 35 your rate is $3.20 $1.40 for your wife (50 of the $2.80 rate shown for your wife's age of 32) 32c for your children (10 of your premium) $4.92 basic monthly tate for your entire family.

INDIVIDUAL ADULT PLAN $10,000 for you you're a bachelor, career women, college student, veteran just out of service, or if yon're a family man or woman and just wish to insure yourself chooso tho Individual Adutt Plan You cart cover yourself for very little money; Examplet At ago 35 your basic monthly rate is $3.20. mm ONE-PARENT PLAN $10,000 fo you $1,000 for If you are the only narent livintr with vnnr children, we suggest the One-Parent Plan. You and all your eligible Children will be covered under one low monthly direct rate. Example; At age 35 your rate is $3.20 32c for your children (10 of your rate) $3.52 basic monthly rate for you and all your eligible children. Regardless of your plan, you may pay any way you choosei monthly, quarterly, semi-annually or annually.

A modest 30c service charge is added to payments other than annual. sue MA BATE RATE $8.90 I 9.70 13.80 15.10 10.60 Mi 11.60 16.50 for ag3tv Pollaenol i it ovf 55, 50118.00 SI jbjj if IS.70 tt 29.60'.: 5S S3 32,10 5S 2126 04 9410 00 25.1fi t-ii Annual Renewable and Convertible Term te Age IS Policy PLC-39 with One Month Initial Term Insurance Rider R-3t The face value of this term policy does not decrease as you grow older. It remains level to age 65 for yon and your covered wife, and to age 18 for your covered children. Premiums increase as your age increase each year as shown above. Level premium, cash value policies available onder pohcy conversion privilege.

York Statutory Table of Minimum Group Life Renewable Term Gross Premiums, the basis for most of the group life insurance in the U.S. For you it all adds up to maximum benefits at minimum rates. Direct Personal Service Everywhere Phone "Collect" Any Time Our biggest "plus" DIRECT PERSONAL SERVICE! From" our Direct Personal Service Center in Santa Monica, California we serve) our many thousands of Direct-Rata policyowners all across America quickly and equally. Friendlypersonal service counsellors expertly trained to help you on any question about your policy can be called any time from anywhere in the U.S. With your policy you'll receive a special "collect call" number.

Whenever you call you'll be greeted by your personal service counsellor who will be ready to give you all the information you need. $1 No-Risk Introductory Offer Money-Back Guarantee No Red Tap Enroll Nowl You can enroll quickly and easily. Just answer the few questions on the Short-Form frankly and completely and mail with only $1 for your first month. Qualifications are few adult ages 18-55 children 30 days-18 years non-hazardous occupations normal, everyday good health. If you meet these few requirements, you can qualify without the usual fuss and bother.

There's no red tape and no one will call on you. And there's no risk at all! $1 fully covers you for $10,000 protection during the special one-month introductory period. You can even get your dollar back. Just return your policy within 10 days if you decide you don't wish to keep it. You begin paying your regular low monthly rate after the one-month introductory period, which also puts your family's coverage in full force.

So you see, nothing is gained by waiting until the deadline to enroll. Your rate will never be lower than it is right now and the sooner we receive your enrollment, the sooner you'll be covered. This Special Short Form Application can only be accepted during Our. enrollment period, so please mail your application with only $1 today. Thank you! smnm.

mmmmr' ill A Legal Iteserre Company Licensed in Your State Recommended "Very Favor abte" by Best Rated "A PJu (Excellent)" by Dunne's IN these days of high prices, what a relief it is to seo the price of something at inv portant as life insurance actually coming down! For now directly from Pennsylvania Life Insurance Company you can get $10,000 term life insurance at low direct rotes, so low you'll want to add $5,000 on your wife and $1,000 on each of your children. And you can qualify quickly and easily right from" this page without the usual red tape without seeing a salesman. Enroll now and take ad vantage of this intro ductory low rate: only $1 for your first month youll get a full $10,000 protection. How Big Your Life Insurance Protection Gap? Higher prices, higher incomes and higher standards of living have created a fast-widening life insurance protection gap. So much so that if you haven't increased your life insurance in the past year your family is probably under-protected today.

Back in 1950, financial experts recommended that a family man should carry life insurance eqnal to 2xh limes his yearly income; In 1960 they recommended moving up to 3 times income. Today, the experts say your family sficnild now be protected with "life insurance amounting to 5 times your an- rtual income as an absolute minimum." $8,600 income 1971 Figure it out jor yourself: Add up all your life insurance; then figure your large debts (mortgage, car, You'll probably be shocked to learn that even "5 times" won't leave your family very much for necessities of life and your children's education. Youll surely see the need for at least $10,000 more protection. Now Everyone Can Afford $10,000 Extra Protection At These Low Direct Rates you're an employee Chances are you don't carry enough personal life insurance. This plan gives you your own personal policy that you can keep no matter how often you change jobs an extra $10,000 life insurance over and above any of your company or union benefits at low direct rates, similar to group rates.

If you're an executive Because your family is used to a high standard of living, the insurance that may have been adequate only a few years ago just isn't enough today. (IRS regulations limit the amount of tax free insurance your company can provide for you.) But now you can easily add an extra $10,000 protection at these low direct, group-type rates. you're self-employed You. have to provide your own "company benefits" at your own expense. As a business proprietor or a professional practitioner, here for the first lime is your opportunity to take advantage of glMUHHaEBHg Jh, rr ft PSI 0 KI75 Income WW RACINE JOURNAL-TIMES Wednesday, July 12.1972 Meer Reader Let there be light and there was light for this Franciscan monk to take pictures in Jerusalem.

He Is using an exposure meter just to make sure. Favor Spassky as Winner nl Id fin ma VI I VUIIIV REYKJAVIK, Iceland (AP) Defending champion Boris Spassky was favored by the experts to beat American challenger Bobby Fischer in the opening game of the world chess match when play resumes this afternoon. The opener of the richest chess competition in history adjourned Tuesday night after 4 hours and 34 minutes of play and 40 moves by each player. The game was to resume at Y. 1 a p.m.

Kacine Referee Lothar Schmid of West Germany will make Spassky's 41st move. The Russian wrote it on a slip of paper and handed it to him" in a sealed' envelope at the adjournment. The two competitors, their seconds and chess enthusiasts throughout the world spent part of the overnight break analyzing possibilities for the 11 pieces remaining on the green-and-white chessboard in Reykjavik's sports hall: king and five pawns for Fischer; king, bishop and three pawns and a bishop for Spassky. The match had appeared headed for a draw until Fischer tried to seize the initiative on his 29th move. The lanky Brooklyn, N.Y., challenger galloped his bishop down a long black diagonal to snatch an unprotected pawn Spassky had offered.

A few moves later the bishop was trapped and lost in exchange for two pawns, U.S. grandmaster Robert Byrne said it was a blunder and commented, "Fischer is going to have trouble making a draw. I don't see how Soasskv can lose." nuaiyimg uic game iur me Associated Press, international grandmaster Isaac Kash-dan termed Fischer's move "a rare miscalculation by the American genius." He said it gave Spassky good prospects for a win. Svetozar Gligoric, the Yugoslav grandmaster present at the tournament, said, "It is doubtful whether black can save a draw." Spassky, who had the first move, is playing the white pieces, Fischer the black. Fischer has played Spassky 1 I .1 tm- five times in the past, losing all three times he played the black pieces and getting draws both times he played the whites and had the advantage of the first move.

But London bookies have made the 29-year-old American the favorite over the 35-year-old Russian in the 24-game championship. A draw counts half a point and a win a point. To dethrone Spassky, Fischer needs UYj points while the Russian can retajn his crown 12 points. The second game of the match is scheduled for Thursday and the third Sunday? The contest may last two months. Butchers Union Backs McGovern CHICAGO (AP) The executive board of the Amal gamated wieai uiuers ana Butcher Workmen Union has endorsed George McGovern for the Democratic presidential nomination.

The board hailed McGovern as man who can defeats President Nixon in November. The leadership, of organized labor has opposed McGovern's candidacy. I6A '751 uv Aiimuuw Oil(U19 1U9 BgOlJl XTVXII JL a WWTJ Favorable" lecammendation. Dunne's Insurance Reports, another welMmown authority, in its report to policyholders has again given its highest ratine of "A Plus (Excellent)." As a legal reserve company, licensed in your state, with over $900,000,000 in force, Pennsylvania Life Insurance Company is worthy of your trust and punam in iwv, x-ue insarenoe Com- panr. setvjnz Jurodads cc thousand of noa.

jurndnds cc thousands holders in 49 states. DuC. and Canada. this well-deserved reputation! Clearly operating in the highest public intmtt, providing quality service, information, reliability and responsibility, and tremendous price advantages everything the con- sumer wants and needs. Best's Life Insurance Reports, America's leading insurance autnonty, in its analysis of Pennsylvania Direct-Rate Life Direct Personal Service Center 3130 SPECIAL SHOfTPFORM'' APm(TION Enrollment No.

31118 Ends 3 Simple 3 0 1. Select plan desired: Family, Husband-Wife, One-Parsnt, Individual Adult. 2. Answer all questions frankly and completely. 3.

For fast processing, mail this form with $1 to our 24-hour postal box: Direct-Rate Plan, Box 1800, Santa Monica, CA 90406 1 IMPORTANT: Family Husband-Wile PLIAK PRINT ALL APPLICANT Mr. Mrs. Miss ADDRESS confluence. Insurance Plan Wilshire Boulevard Santa Monica CA 90406 Midnight, August 13, 1972 Steps To Apply Check Plan Deilrtd One-Parent Individual Adult INFORMATION IILOW MIDDLS INITIAL -ZIP. HEIGHT.

-WEIGHT. ALL OUTlIt member to be covered received medical attention condition? Yes No (If describe in box. needed.) Condition Dates and Duration the following Information ebout your wife: BIRTH -AGE. -DATE. STATE.

PLACE BIRTH To include your wife add 50 of the rate ihown for her age. See Family and Husband-Wife Plans. To include all your eligible children, add 10 of your rate. See Family and One-Parent Plans. Pay any way you choose monthly, quarterly, semi1 annually; annually.

A nominal 30 service charge it added to payments other than annual. company-type benefit rates an employee gels. Give yourself an extra $10,000 protection at these low direct rates. You Can Change To Another Kind OI Policy Later Children Get A Special Conversion Privilege If you wish, you can convert to any kind of cash value policy ordinary, 20-pay, endowment, etc. any time within 5 years.

(This conversion privilege reduces one year for each year you are over age 50 at issue date) Kegardleat of your age or hcalihyom caa convert your foil $10,000 your wife her full $5,000, without any qualification whatsoever. Special $10,000 Conversion Privilege For Your Children: Each of your children at ago 18 can automatically convert to a $10,000 cash value policy, without any qualifications at all. This is truly a wonderful future advantage for your children, because it gives the highest value and lowest cost at the earliest adult age! Full Protection: Your Direct-Rate Life Insurance Flan covers death from any cause sickness, accident, natural causes. (Suicide is not covered in the first two years.) Extra Security: No matter how often you change jobs or how poor your health may become we guarantee, right up to age 65, that we cannot refuse to renew your policy unless we refuse renewal on all policies of this form (PLC-39) in your entire state. And, no change can be made in the increasing year-to-year rates shown in the table above unless rates are revised on this form throughout your state.

You, of course, may drop your policy any time, for any reason. You Get These Lower Direct Rates Without Sacrificing Benefits Not one benefit has been cut out or re-, duccd. The only things we've cut down are our costs of doing business. By enrolling thousands of people at one time, without using salesmen, we've cut "sales costs" one of the largest single items of expense in life insurance. Secondly, by using the "quick-issuance system" and eliminating expensive examinations, we've cut "issue costs." And finally, because we only insure people In normal, everyday good health, we've been able to cut our rates down even more.

These rates are based on the official New 5. Will I get service when I need it? Absolutely. Policyowners across America are served quickly and equally. With your policy, you'll get a "special number" to call "collect" from anywhere in the U.S. and talk with a service counsellor on any question you have.

6. Can I change my policy later on? Yes. You can convert your term policy to any kind of $10,000 cash valuejife policy without qualifications. You may convert any time within five years if you are under 50 at issue date one year less for each, year over 7. Can my Wife and children convert, too? Your wife can convert to a $5,000 cash value policy, and each of your children at age 18 automatically qualifies for a $10,000 cash value policy.

8. How quickly are beneficiaries paid? Immediately. The full amount is paid as soon as a claim is received and verified by us. If your wife or children are also insured, you are their beneficiary. You may change your beneficiary at any time.

9. Can I drop my policy? Can you drop me?" You can drop your policy at any time. We guarantee riht up to age 65, that we cannot decline renewals or change your year-to-earratcs shown in the rale chart above unless we do so on all policies (Policy PLC- ki in your enure state. 0. Is Pennsylvania Life licensed in my Mate; Yes.

Pennsylvania Life Insurance Company, BIRTH HO. DAY YR. OCCUPATION(S) DKSCRIBI Have you or any family member to be covered ever had cancer, heart trouble, stroke, diabetes, high blood pressure, mental condition, alcoholism, drug addiction, tuberculosis, nephritis? Yes No (If give name of person and condition.) Do you or any family member to be covered engage in private flying, parachuting, scuba diving, motorcycle or auto racing, or any other dangerous pastime? Yes No (It give name of person and activity. A Quick Review of the Direct-Bate Life Insurance Plan 14 IMPORTANT QUESTIONS ANSWERED In the past years, have you or any family for any disease, injury, physical or mental Attach plain sheet ot paper more space js Name o( Person Nature of For Family or Husbend-WHe Plans Include WIFE'S NAME PLACE OF BIRTH. Per Family or One-Parent Plans Include Chilifs Namt (First and Initial) the 1 0 0 3 0 a a jO 0 3 HEIGHT.

BENEHCJARY; Unless otherwise requested, the applicant shall be the beneficiary of the wife and any insured child; the applicant's beneficiary shall be the wife at the date of this application, if livini, otherwise all surviving children in equal shares, otherwise the applicant's estate. 1. Why do I need more life insurance now? Because everything is higher today. The experts say you need insurance equal to "5 times your annual income as an absolute minimum," Add up your life policies, you'll quickly discover that you don't have "5 times," and will need at least $10,000 more. 2.

How can I afford $10,000 more? Enroll for $10,000 during this enrollment period at low monthly direct rates you can easily afford. (Example: age 35, $3.20 is your basic monthly date. increase each year according to rate chart above.) By enrolling now, you'll get your first month for only fl. 00! 3. Can I add $5,000 for my wife? children for $1,000 each? Yes.

Three combinations are available. tamily, includes you for $10,000, your wife for $5,000, your children for $1,000 each. ilusbupd-Wife, includes you for $10,000, your wife for $5,000. One-l'arent, includes' you for $10,000, your children for $1,000 each. The rate chart above shows how you Can protect your whole family for very little money.

4. How can you oiler such low rutrs? By enrolling thousands of people at one time, without using salesmen, we've cut "sales costs" one of the largest single items, of expense. Secondly, by using the "quick-issuance system" and eliminating expensive examinations, we've cut "Vssue costs." And finally, by insuring only people in normal, everyday good health, we've actually cut down our rates even more! i founded in 1890, is licensed and regulated by 49 states, D.C. and Canada. We are a legal reserve company with hundreds of millions of dollars in force.

11. How is Pennsylvania Lift rated? "Very Favorable" by Best's, the Nation's leading authority on insurance companies. And Dunne's, another leading authority, has given us its highest policyholder's rating, "A Plus (Excellent)." 12. How can I enroll quickly and easily? Just fill in the short form at the right. Select the plan that suits your needs: Family, Husband-Wife, One-Parenl.

Individual Adult. Enrollment age limits: 18-55 for you and your wife; 30 days to 18 years for your children. If you're in normal, everyday good health and in a non-hazardous occupation, you should qualify. Simply mail your application with only $1 for month. On the "quick-issuance system? there's no red tape and no one will call on you.

13. Can I change my mindV Of course. Return your policy within 10 days after issue date and your dollar will be refunded. If you don't qualify, your dollar will be returned immediately. 14.

Why should I enroll now? Because your rate will never be lower than it is right now. Also, since conditions of health change without warning and could affect your qualifications, you should mail your application today! NOW No tea. bay VH. Yes NO. Hot.

following Information about your children 1 I I l- SEX ACE DATE OF BIRTH MONTH DAY YEAR RELATIONSHIP any of your existing life Insurance policies in insurance? Yei No One Month Initial Term lniurance.) I represent my wife and children, if included, becomes my insurance upon payment of the required bound to coyer any person and hit no liability of insuraomty remain ss stated aoove. Icant's Signature Prmm Do Not Print Beneficiary Request (if other than above) IIULLRAMI INCtUQIN MIOPIA INITIAL) Do you Intend the replacement or change of connection with this application for new life PENNSYLVANIA LIFE INSURANCE COMPANY: I enclose my one month's Initial term premium of $1 with this application for $10,000 life insurance and, if included, $5,000 on my wife and $1,000 on each of my children. (Policy PLC-39. Annual Renewable amf Convertible Term to Age 63, Rider R-39, that all persons to be covered are now In good health and free of any impairment, deformity or disease and that the above itatementa are true and complete to the best of my knowledn and belief. 1 underhand, that insurance on effective one month after the effective date premium.

I agree that the Company is not unless the policy is issued while all conditions Date Appl ii lj t3 ti rra tr- phi Tra nl I pin of ca a uuncmUPUtJ.