' So that the men who have this insurance now and those
who have it hereafter will pay only the net cost. If there is any
savings, they get it. So that for all time to come they have got the
insurance cheaper than any other country except the United States can
give them. I say that without any improper comparison with the
splendid, properly organized institutions in the United States. It is
simply this: That the people of the United States pay this cost of
administration. By June 1st the policies of conversion will be ready
to be delivered to those who want them. You will be able to cease term
insurance, if you wish, and have ordinary life, limited payment life,
or endowment insurance. You can have any kind you please, but the big
thing, my comrades, is this: To retain every single dollar of this
insurance that you can afford to carry. Don't be in any particular
hurry about conversion. If your income isn't good--carry this message
back to the boys throughout the United States--if their income at this
time doesn't justify carrying higher priced insurance, retain that
which they have got and throughout this country tell the men that
those who have lapsed their insurance because they didn't understand
its value, because it wasn't properly presented to them at the period
of demobilization by the Government, for it was not, tell them they
are going to have every right of reinstatement without physical
examination.
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