ADVICE WORTH HEEDING

Out of the confused tangle which the War Risk Insurance problem has meant to most undergraduates since their discharge from the service, comes a ray of light in the form of an official letter on the subject, which is printed elsewhere in this issue. In this letter Mr. Henry Lindsey, Director of the Bureau of War Risk Insurance at Washington, urges college men not to forget the advantages of the renewal and ultimate conversion of their policies, during the rush of college life.

It seems that at any time within five years after the declaration of peace, government insurance may be at an especially low rate, to any one of six forms of civilian policy. To convert it one must first renew it. And it may be renewed in either monthly or quarterly instalments by sending in a cheque with the blank which the Bureau sends for the purpose. As all premium rates are based on the age of the person insured, of course the sooner one converts into a permanent policy the cheaper it will be. Policies may not at any time be increased, but they may be reduced at any time if the monthly and quarterly instalments are more than the person insured can pay. Except in cases of absolute necessity, however, it would be as unwise to reduce one's policy at this time, as to allow it to lapse for want of payment.

We earnestly recommend Mr. Lindsey's explanation of the War Risk Insurance difficulty to all members of the University returned and returning, believing that it will help to clear up many of the doubts which still persist on the subject.