-7-.' 



Term insurance is a type of life insurance that covers the policy holder for 

 a fixed number of years only. Such a policy may be written to provide coverage 

 for one or more years but is usually for five, ten, or fifteen years. Under such 

 a contract, commonly knovm as pure protection, the company will pay the face amount 

 of the policy to the beneficiary if the insured dies during the term. If he survives 

 the term of the policy, the contract expires and is canceled. The insured receives 

 no endoirment payment or surrender value. Premium costs rise with age and renewals 

 are at higher rates. Usually this type of policy will give the maximum protection 

 for minimum cost. 



Family Income policies combine some of the features of the Ordina3:y Life and 

 the. Term type of coverage. The policy is arranged so that the insured has a de- 

 creasing amount of Term coverage that terminates after some selected time period 

 and after which he has normal Ordinary Life coverage. For example, the decreasing 

 Term is frequently geared to a mortgage schedule or to the time vrtien the farmer's 

 responsibilities are greatest. He may, therefore, provide maximum protection vfhen 

 it is most needed and still maintain a minimum amount of Ordinary Life coverage 

 after the more pressing need is past. 



Annuities are not a fonn of life insurance in the usual sense since benefits 

 are generally paid for a period of time during the life of the policy holder and 

 usually stop upon his death. Premiums are paid, either in lump sura or in install- 

 ments with the agreement that the company vdll pay back a svmi of money at stipulated 

 intervals for a specified time. Life insurance policies frequently have an annuity 

 feature as an optional payment plan. 



The life insurance business is intensely competitive with higher standards 

 being required of agents. Most companies have an active in-service training 

 program designed to keep agents informed and "on their toes." In general premium 

 rates for similar policies are quite similar, ./hen canparing rates be sure to 

 compare policies and policy provisions since different types of policies carry 

 different premium rates, 



— L, D. Rhoades 



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POMOLOGICAL RESEARCH 

 11. Improvement of the Wild Lowbush Blueberry 



The harvesting and sale of lowbush blueberries is of considerable importance 

 in Massachusetts, There are two areas in the state where there is sufficient interest 

 in this crop and the plants grow naturally in sufficient quantity so that a commer- 

 cial industry has developed. One is in the southeastern part of the state in the 

 to\TOs of Granville and Blanford. The other is in northern Worcester County centered 

 around the town of Ashburnham, 



The fields in these areas are mowed regularly and burned every two or three 

 years. The berries are harvested with metal "scoops" or "rakes" designed especially 

 for tlBt purpose. They are then put through a cleaning machine to separate the good 

 berries from sticks, stones, leaves, and green and soft berries. This fruit is sold 

 in quart baskets for fresh consumption or is placed in large ice cream cartons and 

 frozen for bakery use. 



