www.gleanerlife.org
Forum Magazine \ Fall 2016 \
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Gleaner Life Duration Term
Security when you need it most Life insurance should reflect life — an opportunity with countless options to pursue and protect your dreams. But even with term life insurance, the need for coverage can vary drastically. Securing your children’s education may be important for the next 15 years, but paying down a mortgage might be a priority for the next 20 years. Your need for term coverage can decrease as you become more financially secure over the years; however, you need a plan that can address where you are now as well as where you plan to be tomorrow. Gleaner Life Duration Term provides coverage when it's needed most with up to four concurrent term certificates of varying lengths, which allow premiums to decrease over time. This “ladder approach” provides higher life insurance coverage now and less when the need for coverage decreases. In addition, by electing the Waiver of Premium rider, Gleaner will waive the obligation to pay premiums if the primary insured becomes disabled.* To learn more about term life insurance for your changing needs, contact your Gleaner agent, listed on the back of this publication. If you don’t have a Gleaner agent, visit www.gleanerlife.org to find one near you.
www.gleanerlife.org Licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. Gleaner Life Duration Term form number ICC13-TCERT with state-specific variations. *Added cost applies for these riders.
Contents Fall 2016
XX 4
XX 14
XX 18
features
departments
4
On the cover
Interests
14
10
Order children’s books
News & reviews
11
Summer picnics
18 Lifelong learning
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From the president
11
Upcoming Gleaner events
You’re never too old to keep learning.
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50- and 75-year members
13
Joe Ann Steele tribute
12
Thank-you letters
21
Recipe File
22
Korinne’s Korner
24
Benny’s page
25
Florida getaway
Scholarships recipients
Meet the 2016 class of Gleaner scholarship winners.
Gleaner gives back
20 Member portal:
top five features
Giving back 16
Arbors in action
16 Arbor spotlight: Birch Run
Arbor passes volunteer torch to next generation. 17 Arbor spotlight: Vulcaneer Arbor organizes mock disaster.
Do you enjoy searching for Gleaner’s wheat stalk? It's hidden in every issue of Forum Magazine. Having difficulty finding the wheat stalk in this issue? Look on page 24 for the answer.
www.gleanerlife.org
Forum Magazine is made from soy-based ink products and is recyclable. Make a small impact on conservation by recycling this publication or passing it on to a friend.
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FORUM Fall 2016 / V. 121 / No. 4 Officers and Senior Management Kevin A. Marti, FSA, CLU, ChFC President and CEO Jeffrey S. Patterson, FLMI Senior Vice President, Finance and Insurance Operations Daniel L. Gordon, FICF, CRPCÂŽ Senior Vice President, Distribution and Community Engagement D. Arell Chapman, CRISC Vice President, Information Technology Grier C. Edwards, MBA, FIC Assistant Vice President, Distribution and Marketing Deborah K. Elliott, SHRM-SCP, SPHR Assistant Vice President, Human Resources and Administration Michelle L. Horn Assistant Vice President, Community Engagement Michael J. Tunney, CFE, FLMI, AALU Assistant Vice President, Insurance Operations and Chief Underwriter Kaylene S. Warner, FLMI Assistant Vice President, Finance and Controller Board of Directors
GLEANER goes social For all the latest news and happenings at Gleaner Life Insurance Society, find us on:
Suann D. Hammersmith, Chair Terry L. Garner, Vice Chair Donna K. Baker | Margaret M.S. Noe Daniel R. Sutton | Todd M. Warner Mark A. Wills | Frank Dick, Chairman Emeritus Supreme Arbor Officers Connie Bland, Supreme Chief Gleaner Jeff Price, Supreme Vice Chief Gleaner Dick Hadden, Supreme Chaplain Norma Garner, Supreme Conductor Linda Ruehrmund, Supreme Guard National Headquarters 5200 West U.S. Highway 223 P.O. Box 1894 Adrian, Michigan 49221-7894 p 517.263.2244 or 800.992.1894 f 517.265.7745 www.gleanerlife.org forum@gleanerlife.org Hours Monday - Friday: 8 a.m. - 4:45 p.m. EST The Forum Magazine is produced quarterly at Gleaner’s Home Off ice by Alanna Cook,
@GleanerLife
Grier Edwards, Daniel Gordon, Chuck Monahan, Salina Richards, Sarah Symington and Julie Tison. For questions regarding this publication, please email forum@gleanerlife.org.
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Thoughts from the President Dear members: As summer winds down, we are headed into the beauty of fall colors. Our children and grandchildren and their dedicated teachers are back in school. The Summer Olympics are over, and it’s on to football, soccer and the World Series. If you are like me, you also can’t wait for the 2016 political season to be over and done with! We appreciated the opportunity to meet with our members and scholarship recipients at the summer picnics. These picnics have been a Gleaner tradition for over 30 years. In 2017, we will be trying out some new venues and ideas to reinvigorate our summer gatherings and attract even greater numbers of members. Keep your eyes peeled for updates on these exciting efforts. In August, we rolled out our new and improved website for your use at www.gleanerlife.org. See Page 20 for more information on these features and improvements. Hopefully, many of you were able to join in our Gleaner Day community engagement event at Greenfield Village in Dearborn, Michigan, on Oct. 1. We will report on our food-gathering efforts to combat hunger in the next issue of Forum Magazine. Please remember that the scholarship application period opens Nov. 1. And remember, too, that Gleaner members are eligible to receive an award of $3,000. We share in the sorrow of the family, friends and members who knew and loved longtime Gleaner representative Joe Ann Steele, who passed away recently. Joe Ann was instrumental in growing the Society, its membership and its arbor presence in Lenawee County over the past 30-plus years of involvement with the Society. See the tribute on Page 13. She will be missed! Her members can take solace www.gleanerlife.org
in her daughter Susan Steele’s commitment to advance her mother’s legacy, and Gleaner’s unequivocal commitment to provide outstanding service and financial strength and security to its members. We want to thank Norm Woltjer, Gleaner representative and member of Rivertown Arbor (MI), for his recent contributions to the company archives, which he passed on from retired agent Clare Tincknell. Included among the treasure trove of information is the book “Gleaner Collection of Readings and Recitations, Compiled for Use of: Local Arbors, County Federations, ETC.” The cost was 25 cents per copy or $2.75 per dozen. The cover also mentions “National Gleaner Headquarters Detroit, Michigan 1916.” The foreword stipulates that the selections contained “are wholesome and instructive, and the value of this little book should appeal to every Lecturer or other officer who is interested in Arbor activities that are worthwhile.” The foreword goes on to say, “Our educational work is one of the most important departments of Gleaner activity; but if such work is ‘Dry as chips,’ it is valueless. It must be spicy, interesting, entertaining. A bit of humor will rivet a thought ...” Here’s hoping you find our current issue of Forum Magazine, our continued passion for fraternalism and your membership in the Society worthwhile and perhaps even riveting! Fraternally,
Kevin A. Marti President and CEO
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CONGRATULATIONS 2016 Scholarship Recipients Since 1980, the Gleaner Life Insurance Society Scholarship Foundation has awarded over $2.6 million in educational funding. In 2016, Gleaner awarded 101 scholarships, providing $225,000 to tomorrow’s best and brightest students. Gleaner scholarships are one of the many benefits available to our members and their immediate families. The Society values the importance of ongoing education and recognizes those members who seek to take their education to the next level. As the costs of higher education increase, we are proud to offer our members a helping hand by providing scholarships. Scholarships are awarded on a competitive basis. There is no age restriction, and both traditional and nontraditional students are encouraged to apply. Applications for 2017 scholarships, which are completed entirely online, will be available at gleanerlife.org/scholarships beginning Nov. 1, 2016. Congratulations to all of our 2016 scholarship recipients. We look forward to your future success!
Are you a past recipient of a Gleaner scholarship? We love to hear and share stories of scholarship recipients who we’ve supported in the past. If a Gleaner scholarship has helped you to take your education to the next level, please share your story by emailing forum@gleanerlife.org.
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Jill Allenby
Frederick & Evelyn Fountain Scholarship Award Chardon, Ohio Roosevelt University
Joanne Ash
Frank and Shirley Dick Scholarship Award Hartville, Ohio The Ohio State University
Anna Allsop
Frederick & Evelyn Fountain Scholarship Award Midland, Michigan Indiana University-Purdue University Indianapolis
Clarissa Barkley
Frederick & Evelyn Fountain Scholarship Award Coal City, Illinois University of St. Francis
John Ambrose
Matthew Anderson
Taylor Ankney
Frederick & Evelyn Fountain Scholarship Award Diamond, Illinois Joliet Junior College
Frederick & Evelyn Fountain Scholarship Award Paulding, Ohio Wilmington College
Dominic Becker
Johnna Belkiewitz
Alexandria Biederstedt
Charles & Margaret Banner Memorial Scholarship Award Adrian, Michigan University of Michigan
Frederick & Evelyn Fountain Scholarship Award Anna, Ohio Yale University
Frederick & Evelyn Fountain Scholarship Award La Porte, Indiana Indiana University-Purdue University Indianapolis
Harrison Arbor Scholarship Award Napoleon, Ohio Ball State University
Blake Biederstedt
Andrew Boring
Frederick & Evelyn Fountain Scholarship Award Diamond, Ohio Moody Bible Institute
Alexander Brown
Kristi Buzalski
Tiffany Campbell
Florida Arbor Scholarship Award Napoleon, Ohio The University of Toledo
Jennifer Caris
Alison Carpenter
Kameron Coffinger
Chandler Cogan
Olivia Cox
Linhart & Burg Memorial Scholarship Award Adrian, Michigan Saginaw Valley State University
www.gleanerlife.org
Frederick & Evelyn Fountain Scholarship Award Adrian, Michigan Eastern Michigan University
Frederick & Evelyn Fountain Scholarship Award Cassopolis, Michigan Grand Valley State University
Rolling Prairie Arbor Scholarship Award Rolling Prairie, Indiana Purdue University
Frederick & Evelyn Fountain Scholarship Award Vandalia, Michigan Southwestern Michigan College
Charles & Margaret Banner Memorial Scholarship Award Bay City, Michigan Kettering University
North Baltimore Arbor Scholarship Award Fostoria, Ohio University of Akron
Leonard & Margaret Davis Scholarship Award Bowling Green, Ohio Bowling Green State University
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Raymond Cummings
Rachel Dail
Megan Dailey
Andrew Davis
Alyssa DeWitt
Courtney Dilworth
Melanie Ellison
Frederick & Evelyn Fountain Scholarship Award Norris City, Illinois The University of Southern Indiana
Miranda Engelman
Megan English
James & Suann Hammersmith Scholarship Award Grand Blanc, Michigan High Point University
William & Mary Kleinhans Scholarship Award Mount Pleasant, Michigan University of Michigan
Andrew Evans
Frederick & Evelyn Fountain Scholarship Award Rawlins, Wyoming Laramie County Community College
Justine Fisher
Keri Frahm
Frederick & Evelyn Fountain Scholarship Award Saginaw, Michigan Ferris State University
Lilly Frisbie
Christa Gasser
Trevin Gavenda
Mt. Pleasant Arbor Scholarship Award Mount Pleasant, Michigan Michigan State University
Hope Hack
Jack Hagemeyer
Paige Halfmann
Caroline Hoffman
Grantlee Hohlbein
Frederick & Evelyn Fountain Scholarship Award Pendleton, South Carolina Clemson University
Frank & Shirley Dick Scholarship Award West Point, New York United States Military Academy, West Point
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Frederick & Evelyn Fountain Scholarship Award Adrian, Michigan Huntington University
Leonard & Margaret Davis Scholarship Award Bowling Green, Ohio The Ohio State University
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Frederick & Evelyn Fountain Scholarship Award Colorado Springs, Colorado The University of Nebraska-Lincoln
Frederick & Evelyn Fountain Scholarship Award Lake Orion, Michigan University of Michigan– Dearborn
Frederick & Evelyn Fountain Scholarship Award Adrian, Michigan Adrian College
Frederick & Evelyn Fountain Scholarship Award Wayne, Ohio Bowling Green State University
Frederick & Evelyn Fountain Scholarship Award Archbold, Ohio Nova Southeastern University
Bowling Green Arbor Scholarship Award Toledo, Ohio University of Toledo
Frederick & Evelyn Fountain Scholarship Award Kingsbury, Indiana Grand Valley State University
Chester Arbor Scholarship Award Edison, Ohio Case Western Reserve University
Floyd Arbor Scholarship Award Ashley, Michigan Northern Michigan University
Frank & Shirley Dick Scholarship Award Adrian, Michigan Taylor University
www.gleanerlife.org
Matthew Huston
Dani Jackson
Luke Jackson
Alexander Jones
Zachary Jones
Baylee Kalmbach
Alyvia Karcher
Blake Kirkham
Jenna Klein
Kathleen Kleve
Abram Klopfenstein
Allison Kreinbrink
Ethan LaFontaine
Albany Lagore
Kyle Lakatos
Hannah Lashbrook
Samuel Leskanich
Kassidy Loehmer
Alyssa Luckhardt
Jacqueline Magusin
Frederick & Evelyn Fountain Scholarship Award Adrian, Michigan University of Michigan
Frederick & Evelyn Fountain Scholarship Award Erie, Michigan University of Toledo
Frederick & Evelyn Fountain Scholarship Award Paulding, Ohio The Ohio State Agricultural Technical Institute
Birch Run Arbor Scholarship Award Marysville, Michigan Aquinas College
www.gleanerlife.org
Frederick & Evelyn Fountain Scholarship Award Springfield, Missouri University of Arkansas
Frederick & Evelyn Fountain Scholarship Award Blanchard, Michigan Saginaw Valley State University
Charles & Margaret Banner Memorial Scholarship Award Findlay, Ohio The Ohio State University
Sulphur Springs Arbor Scholarship Award Streator, Illinois Joliet Junior College
Frederick & Evelyn Fountain Scholarship Award Cecil, Ohio University of Northwestern Ohio
South County Arbor Scholarship Award New Carlisle, Indiana Grace College
Frederick & Evelyn Fountain Scholarship Award Findlay, Ohio University of Findlay
Frederick & Evelyn Fountain Scholarship Award Winamac, Indiana Indiana University–Purdue University Indianapolis
Charles & Margaret Banner Memorial Scholarship Award Waterville, Ohio Miami University
Frederick & Evelyn Fountain Scholarship Award Pewamo, Michigan Lansing Community College
Charles & Margaret Banner Memorial Scholarship Award Tecumseh, Michigan Oakland University
Frederick & Evelyn Fountain Scholarship Award Saline, Michigan New Mexico State University
Frederick & Evelyn Fountain Scholarship Award Lakeland, Florida Southeastern University
Frederick & Evelyn Fountain Scholarship Award Wheaton, Illinois Augustana College
Frank & Shirley Dick Scholarship Award Clayton, Michigan University of Michigan
Greater Flint Area Arbor Scholarship Award Brownstown, Michigan Grand Valley State University
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William Malecki
Emelia Marvin
Anne McElwee
Madison Metzger
Justin Miller
Lauren Miller
Catriana Nichols
Lauren Nissen
Ohio State Association Scholarship Award Perrysburg, Ohio University of Findlay
Rachael Noe
Kisa Nop
Frederick & Evelyn Fountain Scholarship Award Hale, Michigan Central Michigan University
Anna Nutt
Lauren O’Neil
Brooke Pickles
Grace Pruett
Collin Reynolds
Dean Robinson
Anna Roehl
Jordyn Scholz
Madison Sidle
Isabella Smith
Mill Creek Arbor Scholarship Award LaCrosse, Indiana Purdue University
Frederick & Evelyn Fountain Scholarship Award Navarre, Ohio Kent State University
Frederick & Evelyn Fountain Scholarship Award Washburn, Wisconsin University of Wisconsin-Eau Claire
Capital Arbor Scholarship Award Litchfield, Michigan University of Michigan
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Frederick & Evelyn Fountain Scholarship Award Phoenix, Arizona Grand Canyon University
Frederick & Evelyn Fountain Scholarship Award Oak Forest, Illinois Illinois State University
Center Township Arbor Scholarship Award Lafayette, Indiana Ivy Tech Community College of Indiana
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Charles & Margaret Banner Memorial Scholarship Award Cardington, Ohio Ohio Northern University
Charles & Margaret Banner Memorial Scholarship Award Blissfield, Michigan University of Toledo
Frank & Shirley Dick Scholarship Award Onsted, Michigan Siena Heights University
Heart of Florida Arbor Scholarship Award North Fort Myers, FL Florida State University
South Fairfield Arbor Scholarship Award Metamora, Ohio University of Toledo
Charles & Margaret Banner Memorial Scholarship Award Midland, Michigan Michigan Technological University
Frederick & Evelyn Fountain Scholarship Award Holgate, Ohio Northwest State Community College
Charles & Margaret Banner Memorial Scholarship Award Sandusky, Michigan University of Oakland
Frederick & Evelyn Fountain Scholarship Award Salisbury, Vermont Dordt College
Portage Center Arbor Scholarship Award Wayne, Ohio Bowling Green State University
Frederick & Evelyn Fountain Scholarship Award Converse, Indiana University of Southern Indiana
www.gleanerlife.org
Madison Sorsen
Samantha Stevenson
Christopher Stibal
Evalyn Stow
Ethan Sword
Justin Sydloski
Hannah Tanis
Cole Turland
Sarah Turner
Courtney Van Horn
Lauren Voelker
Dylan Volkman
Dylan Waaland
Mariah Waaland
Clay Waidelich
Kali Walbring
Spenser Warren
Amanda Kay Wilson
Leanna Wolters
Atalie Zimmer
Grand Arbor Scholarship Award Greenville, Michigan Michigan State University
Frederick & Evelyn Fountain Scholarship Award Middleville, Michigan Harvard University
Frederick & Evelyn Fountain Scholarship Award Paris, Michigan Michigan State University
Frederick & Evelyn Fountain Scholarship Award South Bend, Indiana University of South Bend
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Emerald Echo Arbor Scholarship Award Massillon, Ohio The Ohio State University
Frederick & Evelyn Fountain Scholarship Award Coopersville, Michigan Cleveland State University
Glen Arbor Scholarship Award East China, Michigan Macomb Community College
Dale Viers Memorial Scholarship Award Adrian, Michigan Michigan State University
Frederick & Evelyn Fountain Scholarship Award West Chicago, Illinois Iowa State University
Frederick & Evelyn Fountain Scholarship Award Otisville, Michigan Oakland University
Findlay Flag City Arbor Scholarship Award Arcadia, Ohio University of Findlay
Frederick & Evelyn Fountain Scholarship Award Glendale, Arizona Grand Canyon University
Ellsworth & Mary Stout Scholarship Award Saline, Michigan Purdue University
Frederick & Evelyn Fountain Scholarship Award Tecumseh, Michigan Western Michigan University
Charles & Margaret Banner Memorial Scholarship Award Arcadia, Ohio Bowling Green State University
Frederick & Evelyn Fountain Scholarship Award Coldwater, Ohio Ball State University
Frederick & Evelyn Fountain Scholarship Award Hudson, Michigan Lawrence Technological University
Frank & Shirley Dick Scholarship Award Findlay, Ohio University of Findlay
Frederick & Evelyn Fountain Scholarship Award Wauseon, Ohio Wittenberg University
Frederick & Evelyn Fountain Scholarship Award St. Clair, Michigan Western Michigan University
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You can purchase children’s books today at a discounted price! Gleaner is offering you the opportunity to purchase The Giving Book and The Nickels, Dimes and Dollars Book at a special discounted price. As a Gleaner member, you can purchase them for just $10 per book. All proceeds will be donated to the Gleaner Life Insurance Society Scholarship Foundation.
The Giving Book: Open the Door to a Lifetime of Giving Limited Quantities Available The Giving Book is fi lled with activities that help children think about their hopes and dreams for the world. Th is book will let kids decide how they want to use their time, kindness, talents and money in order to make a difference.
The Giving Book: Limited Quantities Available
The book is appropriate for children ages 6-11 and provides hands-on activities, a journal and scrapbook that will help inspire them as they record their journey of giving and charity.
The Nickels, Dimes and Dollars Book: A Wise Kid’s Guide to Money Matters The Nickels, Dimes and Dollars Book will help kids make smart decisions about how to spend, share, save, earn and grow their money. The more they learn to manage money, the more it can help them to create a comfortable and meaningful future. Th is activity book is a conversation starter and an educational tool that inspires children to develop valuable skills and healthy habits that can support their well-being and fi nancial futures. Appropriate for ages 6 and up.
To purchase books … To purchase books, complete the order form below and mail it along with your check to the address shown. For more information, contact the Marketing Department at 800.992.1894 or email forum@gleanerlife.org. The Giving Book and The Nickels, Dimes, and Dollars Book were written by Ellen Sabin and published by Watering Can® Press. Watering Can® is committed to creating and distributing books and other products that nurture and inspire children as they grow into their roles as healthy, kind, confident and giving world citizens. For more information, visit wateringcanpress.com.
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Please make check payable to: GLIS Scholarship Foundation
Mail to: Gleaner Life Insurance Society, Attn: The Giving Book, P.O. Box 1894, Adrian, MI 49221
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# of Giving _______ # of The Nickels, Dimes and Dollars Book: _______ x $10.00 (each) = $ www.gleanerlife.org _______ 10The \ Fall 2016 \Book: Forum Magazine Please allow 2-4 weeks for shipping.
(Total Amount Enclosed)
Picnic Memories Every summer, Gleaner members join others in their state or regional association for a day of food, fun and fellowship at Gleaner’s family picnics. These picnics provide members with the opportunity to celebrate their sense of community while honoring the year’s scholarship
recipients. Gleaner provides the main dish and entertainment, and each guest brings a dish to pass and their own table service. Gleaner also hosts Benny’s Auction at each picnic to raise funds for a local charity.
Family picnics are held in Indiana, Illinois, Northern Michigan, Southern Michigan, Michigan’s Thumb Area, Ohio and Nebraska. Here are some highlights from this year’s family picnic season.
Upcoming events Gleaner’s Family Safari to Kalahari Registration now closed Nov. 18-20, 2016 Kalahari Resort and Water Park Sandusky, Ohio
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50 yr.
Posted on Facebook:
Arizona Paulette Miller, Waddell
I don’t often endorse products or companies; however, I wanted to give a big shout out to Gleaner Life Insurance. My grandmother (Florence Carpenter) provided [Just For Kids®] for her greatgrandchildren, which made John eligible for a one-time scholarship. We received the email last week that he was awarded $3,000 for being a member of Gleaner after filling out their scholarship forms last winter. This means that grandma turned a very modest investment into something great. While I can’t thank her today for this, I know she would be proud and happy that she provided for him even after she was gone. So as a birthday gift to your grandchildren or great-grandchildren, go online and look into it. There are more reasons than simply making a person eligible for a scholarship. Then again, who wouldn’t want some extra dollars!
California Iva M. May, Pleasant Hill
— Caroline Carpenter Ambrose
Montana John J. Shireman, Billings
Dear Mill Creek Arbor,
Florida Linda L. Krepel, Coconut Creek Robert L. McDonald, Merritt Island Ardath Paskiewicz, Merritt Island Illinois Brenton Frederick, Bourbonnais Julia D. Jones, Bradley Craig J. Lafond, Romeoville Demetrio Saitis, Chicago Harlan E. Wessels, Fairbury Michigan Timothy L. Aungst, Lansing Rodney A. Fear, Dowagiac Douglas S. Jackson, Gowen Philip J. Jenne, Petersburg Rhonda K. Laur, North Branch James B. Parrott, Alanson Susan K. Stafford, Birch Run Nancy L. Weigold, Saginaw Bernard Wolschlager, Bad Axe Minnesota Lisa Giebink, Lino Lakes
New Jersey Theodore J. Ikeler, Clark
Thank you for supporting Cookies for Soldiers Inc. by purchasing Girl Scout cookies for our armed forces. My organization relies on donations from people like you so we can continue to help others year after year. Again, thank you for your help!
Ohio Evelyn F. Clark, Perrysburg Mabel L. Collen, Madison Duane Gadzialski, Delta Cynthia Gajdostik, Wauseon Richard H. Mullett, Ravenna Carol Studer, Galion Larry E. Wilson, Lancaster Mary A. Wolfe, Columbus Stephen G. Yaney, Lima
— Emily Graves
Tennessee Kimberly T. Spencer, Knoxville
75 yr.
Arizona Coral I. Staines, Pearce California Robert J. Ball, Riverside Florida Allan E. Krumm, Fort Myers Illinois Janet R. Widdel, Orland Park Indiana Virginia Gaither, Hammond Frank W. Link, LaPorte Michigan Kirk N. Blower, Flint Verdon G. Denzel, Lake City Roger L. Dilno, Climax Stanley J. Donahue, Gladwin Evelyn M. Dzurak, Mount Morris Sue Anne Hanson, Midland Robert L. North, Pinconning Gary L. Walkington, Trufant Ohio Celia J. Aring, Bowling Green Wymond Bell Jr., Canal Winchester Rowland C. Rettig, Napoleon Laurence Schuster, McClure Roger L. Swope, Cygnet Wisconsin Marwood E. Rettig, New Berlin
Washington Susan H. Bertram, Everett Wisconsin Robert K. Sanborn, West Bend
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How do you plan to leave a legacy? Legacy Life allows you to purchase permanent life insurance now with a single, one-time premium payment. But unlike other products, you can purchase additional single-premium life insurance certificates later*, without underwriting. Each new certificate can have the same or different beneficiaries, allowing you to pass on a legacy to whatever loved ones or charitable organizations you wish.
Ask your agent about leaving a legacy with life insurance.
www.gleanerlife.org Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. *Ask your agent for complete details on the Legacy Life Guaranteed Insurability Option. Form #ICC15-SPWL with state-specific variations.
Remembering Joe Ann Steele It is with deep sorrow that we announce the passing of longtime Gleaner general agent Joe Ann Steele, who died on July 24 at her home in Adrian, Michigan. Joe Ann leaves behind a legacy of excellence in life insurance and annuity sales and member service. As a strong supporter of Gleaner Life Insurance Society, she was instrumental in founding several of our Lenawee County arbors and was a frequent fixture at Gleaner’s Conference of Excellence. Already a pillar of the community, Joe Ann also became a local celebrity through her Saturday morning radio show on WLEN Radio 103.9. Joe Ann was preceded in death by her husband, Harry, in 1996 after 35 years of marriage. Her dedicated work as an agent will be continued by her daughter, Gleaner agent Susan Steele of Joe Ann Steele Financial Center in Adrian. Joe Ann is also survived by her two sons, Dusty and Rusty. Those wishing to make a contribution in memory of Joe Ann should consider the Lenawee Humane Society or the local chapter of the American Red Cross.
Joe Ann Steele 1943-2016
GLEANER gives back
Agents give back to community
Each year, Gleaner recognizes its top-producing agents at the annual Conference of Excellence, which was most recently held in July at Lake Tahoe, Nevada. Our agents were recognized for their efforts to help their clients find financial freedom through life insurance and annuities. Agents also took a break from their meetings and helped out the local community — a Gleaner staple. “This was a great way to show our agents a glimpse of the many ways Gleaner’s arbors serve,” said Steve Lowder, Gleaner agent since 1986. For many of these agents, it’s their philanthropic attitude that helps them succeed in this industry, so it’s not surprising that they jumped at the chance to serve. The agents partnered with Friends In Service Helping in Carson City, Nevada, where they filled backpacks with deodorant, toothbrushes, toothpaste, bar soap, Q-tips, shampoo and moist wipes to help those who are homeless in the community. “We enjoyed the opportunity to serve and would have been happy to do more,” said Lowder.
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Thank you for helping protect the tax-exempt status of Gleaner and other fraternal benefit societies!
This year, we introduced the American Fraternal Alliance’s Race to 100, a campaign encouraging members of fraternal organizations to write to their representatives in Congress and request support for House Concurrent Resolution 19 (the “Fraternal Resolution”). As of Sept. 6, the American Fraternal Alliance has secured 102 co-sponsors for HCR 19! This important legislation gives U.S. representatives the chance to publicly acknowledge the important contributions that fraternal benefit societies make to the nation’s financial and social well-being. At the beginning of the campaign, we had the support of about 70 members of Congress. Because of your dedicated advocacy, we now have the support of 102! Thank you for participating in the Race to 100 campaign. Our members are what make Gleaner great, and we hope you continue to share the story of how we all work together to engage communities and improve lives. By educating our lawmakers on the important role that fraternal benefit societies play in our nation, we can help garner congressional support for our cause and prevent legislation that would jeopardize our tax-exempt 501(c)(8) status.
On behalf of Gleaner, members Julie Bartels (center right of Senator Debbie Stabenow) and Jan Woltjer (far right) teamed with other fraternal organization members from Texas, North and South Carolina, Minnesota, Wisconsin and Michigan and had appointments with members of the House and Senate at the Capitol.
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Arbor SPOTLIGHT Birch Run Arbor fills generation gap Birch Run Arbor (MI) members work hard to get youth involved in community service projects to instill time-tested values. “Our philosophy is to get the youth involved in giving back so they learn to take pride and ownership in their community,” said Sherri Hollerback, Birch Run Arbor secretary. In partnership with Birch Run High School, the arbor often teams with students for projects. That partnership is making strides as the young people are encouraged and energized to participate and help plan service projects. In fact, the Birch Run students came up with the idea to visit Heartland Health Care Center-Fostrian in Flushing to paint artwork on windows, plant handicap-accessible gardens, and deliver lap quilts and other items to use as bingo prizes. The volunteers left after school on May 24 and drove to Heartland-Fostrian, where they wasted no time getting to work. Art students teamed with residents, who chose the animal theme the artists painted on the windows. The artists and residents worked together to individualize the panels for each resident. “The patients loved it. Each window belongs to a certain patient, and they were very proud of their masterpiece — they took ownership in their project,” said Hollerback. While several students painted, others got to work planting vegetable, herb and flower gardens. “We made handicap-accessible planter gardens for the residents to maintain throughout the summer,” said Hollerback. The student volunteers not only painted and planted but visited with the patients throughout the afternoon. This project is just one example of the partnership Birch Run Arbor has with its local school district. “We are fortunate to have a good connection with our high school and middle school. Our arbor president and another member are teachers, so we are able to partner with students in grades five through 12 on different projects,” Hollerback said. Birch Run Arbor’s presence in the community helps to bless the lives of student volunteers and the numerous organizations they support year-round. If you’re interested in learning more or getting involved in a local arbor, email forum@gleanerlife.org.
ARBORS
in action
Black Swamp Arbor (OH), along with community youth at Live Oaks Cemetery in Paulding, Ohio, picked up branches, trimmed around gravestones, took flowers off graves and helped fix sinking gravestones.
Every year, Gleaner arbors team up with youth organizations for JOIN HANDS DAY. This joint effort of fraternal benefit organizations brings together multiple generations of volunteers to complete community service projects. Here’s how Gleaner arbors joined forces with young volunteers to improve their communities for JOIN HANDS DAY in 2016.
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Vulcaneer Arbor organizes mock disaster Even though teenagers know that distracted driving is a real issue, it’s often difficult for them to understand the devastating effects that can result from texting while operating a vehicle. That’s why youth from Vulcaneer Arbor (MI) campaigned to bring a mock disaster to their school. Vulcaneer Arbor youth members Sarah Bartels, Chase Walker, Kyle Walker, Jacob Langley and Marshall Fabbro got approval from the school board and then met several times to align their vision and plan the event. Once the plan was approved by the school counselor, they began contacting local organizations, including the Vassar Police Department, fire station, EMT, 911 dispatch, Martin Funeral Home, Fabbro Towing and Bavarian Bleachers. They also worked with Vassar High School’s art and drama departments to cast actors and makeup artists along with a narrator. On May 13, students in grades 9-12 gathered in bleachers and watched as the devastating impact of distracted driving was put on display. A teacher read the script as the accident was acted out. In short, a student driver sent a Snapchat message while driving and hit a classmate. A witness called 911 and interacted with a real dispatcher, and then other agencies responded just as they would have in the event of a real accident. The classmate struck by the distracted driver died, and the driver was arrested and charged with several crimes. “This was one of those events that really touches people. Some of the teachers were crying, and the 300 students watching were silent during the entire demonstration,” said Laura Walker, Vulcaneer Arbor reporter, helicopter nurse and mother of student volunteers Chase and Kyle. Two days before the mock disaster, Vassar High School students welcomed Sam Howell from St. Charles, Michigan, who spoke about his personal experience with distracted driving, which caused a brain injury. His mother, Maureen Howell, assisted with the presentation, since Sam was difficult to understand at times. As an Eagle Scout and athlete, Sam was described as an all-American boy before his accident, which left him in a coma for three months. Today, Sam gives presentations and speaks about distracted driving. While Vulcaneer Arbor members were available and helped with the event, they let the youth do most of the work. “Volunteering helps youth become leaders, discover talents, and teaches skills they can’t learn in textbooks,” said Laura Walker. “It also helps them understand the importance of giving back.” Heart of Florida Arbor (FL) members joined with the fifth-grade class, parents and teachers of Philip O’Brien Elementary School to build a raised vegetable garden and complete landscaping near the fifth-grade wing of the school. The students started growing the plants from seeds in April and then transplanted them to the raised beds.
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Kyle Walker, Sarah Bartels, speaker Sam Howell, and Jacob Langley
South Fairfield Arbor (MI/OH) organized a bake sale and car wash with youth partner Goats and "Udder" Things 4-H Club. Three “celebrities” stopped by — Gleaner President and CEO Kevin Marti, who purchased baked goods and had his vehicle washed; and Mike Bell, the former mayor of Toledo, Ohio, and the owner of the well-known Mancy’s Restaurants, who made donations. The fundraiser generated $324, and the arbor made an additional donation of $750 to their youth partner for restoration of the sheep barn at the county fairgrounds.
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LEARNING knows no age limit
Benefits of lifelong learning Everyone knows it’s important to eat healthy foods and exercise, but have you considered the importance of continual learning? Just because you graduated from high school or have a college degree or certification hanging on your wall doesn’t mean you should stop growing intellectually. After all, your doctor would never advise you to stop exercising once you reach a certain age, so why should you stop learning? If the thought of learning brings back painful recollections of memorizing spelling words or pulling all-nighters studying, it’s time to adjust your expectations. Learning, just like exercising, can be broken down into small segments and scattered throughout the day by making a few simple adjustments. Try one or a few of the following to get started.
Helpful hint: Don’t toss that mail just yet. How many times have you received mail from your insurance or financial adviser that you only scanned or did not even bother to open? It’s important to read those statements because it’s likely that they include pertinent information regarding your 18 \ Fall 2016 \which Forum Magazine investments, can ultimately impact your retirement.
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READ
Even if it’s only for a few minutes, reading helps mentally stimulate the brain, reduces stress, improves memory and increases knowledge. So, anytime you have a few extra minutes on your hands, resist the temptation to pick up your phone or reach for the remote. Instead, grab the newspaper or a magazine.
PLAY GAMES
Sounds fun, right? It can be! Pick games like Scrabble or chess, or do word scrambles, word searches and crosswords to trigger brain activity.
VOLUNTEER
Join a community service group like one of Gleaner’s arbors. Research suggests that this type of activity and social engagement aids in lifelong learning. These service clubs also join generations together, which can help you learn about the latest technology from a younger generation or historical facts from an older one.
TAKE CLASSES
While it’s not the only way to keep learning, it continues to be a time-tested way to keep your mind sharp and even advance professionally. If you are not seeking additional certification or a degree, there are still plenty
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of options. Harvard offers online courses free of charge. Learn more at online-learning.harvard.edu. If returning to a classroom ties your stomach in knots, consider asking a friend to join you. Just as exercise and diet programs recommend accountability partners, learning can be done and enjoyed in groups. 1
SHARE WHAT YOU LEARN
As you read or glean wisdom from someone, take opportunities to apply that knowledge directly to your life. If the trade magazine you’re reading suggests a project management system that could help keep your office organized, share your finding with your manager. By applying new knowledge, you are helping those around you, so don’t keep it all to yourself. If you're still reading, you are practicing one of the lifelong learning techniques outlined in this article. As a reward, you have a chance to win a free Kindle.
To enter the drawing, email forum@gleanerlife.org with Kindle Giveaway in the subject line.
Outcomes of lifelong learning Following these tips can help you reap many benefits. Beyond gaining knowledge, lifelong learning helps individuals make betterinformed decisions to help them prosper physically, emotionally and financially. If you’re not yet convinced to make small changes to keep learning, maybe these outcomes will help. Financial prosperity — As you learn new skills, it’s more likely that you will advance professionally.2 Lifelong learning carries many rewards, and this one will help pad your wallet. Beyond career advancement, continued learning could help you make better-informed decisions about investments. Fend off disease — Learning and memorization can help you ward off Alzheimer’s disease and the memory loss that tends to start after age 30.3
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MAKE CONNECTIONS
By engaging in learning efforts such as taking college courses and certification classes or even volunteering, you are making connections with people who can help you develop and maintain social skills. The friendships or professional connections earned can keep you connected and fight against loneliness as you age.
OPEN TO CHANGE
People who practice learning throughout their lifetimes are more likely to be open to change. In today’s world of technological advancements and social media, this type of open-mindedness can help alleviate a lot of headaches.
SLEEP BETTER
Hit your pillow each night knowing you are making the best-informed decisions to help you advance. 1 Y oung, Scott H. “15 Steps to Cultivate Lifelong Learning.” Retrieved Aug. 8, 2016, from lifehack.org/articles/featured/15-steps-to-cultivate-lifelonglearning.html. 2 Cobb, J. “5 Key Benefits of Lifelong Learning.” Retrieved Aug. 8, 2016, from missiontolearn.com/benefits-of-lifelong-learning. 3 Bartels, L. “5 Tips on Lifelong Learning and Neuroplasticity for the Adult Brain.” Retrieved Aug. 11, 2016, from sharpbrains.com/blog/2008/12/19/5tips-on-lifelong-learning-the-adult-brain.
Five must-see features of the new member portal Have you checked out Gleaner’s new website yet? Visit gleanerlife.org today, and check out the top five features of the member portal.
1.
My arbor — As a Gleaner member, you are a part of an arbor, which is a local service club made up of Gleaner members. Using funds provided by Gleaner, arbors give back to their communities through a wide range of activities and donations. This page provides information on your local arbor, including upcoming meetings and events, meeting notes and more.
2.
My certificates — The Member Dashboard provides an overview of all certificates you own in one easy place. You can view more information on your life insurance or annuity certificate by simply clicking on the certificate number. If you own multiple life insurance or annuity certificates, you can use the search tool to find a specific certificate number or insured name.
3. 4. 5.
Important forms — If you move or get a new phone number, you can let Gleaner know using a form within this tab. You’ll also find several other useful forms here, such as those for change of beneficiary, income tax withholding and more. News & Events — Keep up to date with the latest news and Gleaner events with the News & Events page. You can even RSVP for Gleaner events. Publications — If you lost your copy of the last Forum Magazine or want to read past issues of Gleaner Spirit, the publications page allows you to access documents dating back one year.
As a bonus, you can upload a photo to personalize your Member Dashboard. Get started today. Don’t see something or need help? Call 800.992.1894 and ask for Member Services.
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Recipe file
As the weather cools, keep warm with these hot autumn beverages!
Do you have a favorite recipe you’d like to share? We’d love to feature your recipe! Send a copy to forum@gleanerlife.org or mail to: Gleaner Life Insurance Society, Attn: Marketing Department, 5200 West U.S. Hwy. 223, P.O. Box 1894, Adrian, MI 49221
Cinnamon Tea
Mulled Wine
1 quart cranberry juice
3 cups Burgundy wine
1 quart apple juice
8 teaspoons brown sugar, or to taste
1 quart instant tea
2 cinnamon sticks, broken
1½ cups cinnamon-flavored candies
Ground nutmeg, to taste
Combine all ingredients and heat on top of the stove until candies are melted.
Makes 4 servings. For each serving, combine ¾ cup wine, 2 teaspoons brown sugar, ½ cinnamon stick and a dash of nutmeg. Microwave for 4-6 minutes on medium-high. For a nonalcoholic alternative, substitute grape juice for the wine.
Home Grown Recipes, Vol. 3 Barb Ort, Home Office Employee
Home Grown Recipes, Vol. 3
Spiced Cider 1 quart apple cider
Wassail Cheer
½ cup sugar
4 cups apple cider
1 cup orange juice 1½ teaspoons whole cloves ½ cup lemon juice 2 sticks cinnamon Combine all ingredients and bring to a boil. Let simmer at least 2 hours. Strain out cloves and cinnamon. Serve hot. Home Grown Recipes, Vol. 3 Susan Householder, Maple Street Arbor
¼ cups lemon juice ¼ cups brown sugar ½ teaspoon whole allspice ½ teaspoon whole cloves ⅛ teaspoon ground nutmeg In a medium glass bowl, combine all ingredients. Microwave 8-9 minutes on high. Continue microwaving on medium for an additional 7 or 8 minutes. Cool slightly, strain into mugs and serve. Home Grown Recipes, Vol. 3
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Korinne’s Korner “Life without music would B flat.” I read that quote, and it made me laugh. I played piano for 10 years — second grade through high school. Practicing was not always my passion, but as the years went by, I came to enjoy playing. When our children were in grade school, we purchased a used upright piano, and all three took lessons. They are not accomplished pianists, but they have great memories and can read music, hence the quote above. I listen to music in the car, when I walk, when I sew, walking the dogs — a lot. I should also mention that I don’t just listen, I sing. Just the act of listening and singing can lift your mood, clear your head and allow you to focus on what’s important. My new favorite song, “Beautiful Messes” by Hillary Scott, meets all the criteria I just mentioned. The refrain is: We ain't perfect, no, We ain't even close, We got holes in our hearts, We got scars we don't show. But all that baggage we Keep on dragging around Anytime we start laying down. Lay it down at the foot of the cross. Give it to the one who can carry it all. Even at our worst, to him we ain't lost causes, Just beautiful messes. What a beautiful message! I can’t get enough of it, and it centers me immediately. It’s always a pleasure to see so many of you at the Gleaner picnics. My contribution this summer was a cookie recipe I found online, and several of you suggested it be in my next Forum article. Here goes:
Trail cookies Cream 1 egg, ½ cup brown sugar, ¼ cup Crisco, ¼ cup margarine and 2 teaspoons vanilla until well-combined. Mix in 1 cup flour, 1 cup old-fashioned rolled oats, 1 teaspoon baking soda, salt to taste, 1 cup chocolate chips and ¾ cup corn flakes or any crispy cereal. Optional additions: ½ cup nuts and ¾ cup shredded coconut Refrigerate dough in plastic wrap for at least 2 hours or up to 5 days. Preheat oven to 350 F. Drop on greased or lined baking sheet 2 inches apart. Bake 10-12 minutes or until golden. Cool completely.
Fraternally yours, singing as I bake,
Korinne Marti Wife of Gleaner President and CEO Kevin Marti
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Foundation
SP9
In a solid foundation, every brick matters. Financial independence starts with a solid foundation. With Foundation SP9, a single-premium deferred annuity, you can watch your money grow tax-deferred with the power of compounding interest. For instance, if you open a Foundation SP9 annuity at age 30 with a one-time contribution of $100,000, your account could be worth $287,459 when you retire. Then you could annuitize this nest egg into a steady stream of lifetime income.
Year
Accumulated value (based on current interest rates)*
5
$116,209
10
$135,045
15
$156,935
20
$182,373
25
$211,934
30
$246,286
35
$287,459
Foundation SP9 features 路 Flexible withdrawals of up to 10% of the account value per certificate year without incurring a surrender charge. 路 Competitive current interest rate with a minimum guarantee of 2.0% in certificate years 1-9 (1% in subsequent years). 路 Minimum initial premium of $10,000 and no subsequent premiums.
Even more, Foundation SP9 allows you to withdraw up to 10% of the account value annually without incurring a surrender charge, keeping your funds readily available should you need them.
路 Surrender charge of 9% in year one, decreasing by 1% each year until 0%.
Start laying a solid foundation for your financial future. To learn more about Foundation SP9, contact your Gleaner agent, listed on the back of this publication. If you don't have a Gleaner agent, visit www.gleanerlife.org to find one.
Foundation SP9 form number ICC15-SPDA9 with state-specific variations. Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN & VA.
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*3.05% for account values $100,000 to $249,999; 3.15% for $250,000 and above.
Benny’s page Hi, kids! Autumn is here, which means school is back in session. Some of
you might miss the freedom of summer, but remember: Every new school year is filled with new opportunities to do good things for
others. You should set some goals for good things you’d like to do. Here’s a checklist of some ideas. See how many you can cross off the list before winter arrives.
• Make friends with a new student.
Traveling Benny
• Rake leaves for a neighbor. • Help your younger brothers or sisters with their homework. • Set an example for others by behaving in class. • Ask your parents to collect food for a local food bank. • Thank your teacher. Try to do one good thing every day so that it becomes a habit.
When doing good things becomes a habit, you’ll start doing good things for others without even thinking about it! Hawkeye Point (Sibley), Iowa
In July, Benny visited Hawkeye Point in Sibley, Iowa, with Erin Hensch and her children Maggie and Nate. Hawkeye Point is the highest elevation (1,670 feet) in the state. Maggie is pictured with Benny.
Montpelier, Vermont
Also in July, Benny visited Vermont with Chuck Monahan of Legacy Arbor (MI). Their trip included Montpelier, Stowe, Burlington and Waterbury. Benny is pictured here at the State House in Montpelier.
I hope to see you all at Gleaner’s Family Safari to Kalahari in
November! In the meantime, see photos of some of my summer adventures on the left.
Benny
The Benevolent Lion
Did you find the wheat stalk? In this issue of Forum Magazine, the wheat stalk was hidden on page 14.
Going on vacation? Take Benny! Take Benny with you on your adventures. Then, have your parents send photos of his travels to forum@gleanerlife.org. Your photos may end up on Benny’s Page in Forum Magazine! Mini Bennys are provided with each new Just For Kids® certificates.
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Join us for a F lor ida getaway March 3-4!
Our Florida events aren’t just for Florida members. As winter comes to a slow close, join us in Florida March 3-4 for a mini-getaway at The Inn at Little Harbor in Ruskin. A warm, intimate resort overlooking the waters of Tampa Bay, this Caribbean Island-style hotel destination is the quintessential Florida waterfront retreat. The Inn at Little Harbor is on a private beach on the south shore of Tampa Bay, just a short drive from the attractions, shopping and nightlife of downtown Tampa Bay, St. Petersburg, Sarasota, Anna Maria and Bradenton. Best of all, you’ll be able to join us for our snowbird picnic and spring training ballgame (look for more details on these events in the next issue of Forum Magazine). All rooms include two beds, a miniature refrigerator, coffeemaker and microwave. First-floor rooms feature a patio, while second-floor rooms have a private balcony.
Standard double Two double beds; $110 per night, plus 12% sales tax and $8 resort fee. Deluxe queen Two queen beds; $119 per night, plus 12% sales tax and $8 resort fee. To register, call The Inn at Little Harbor at 813.645.3291 and tell them you are registering for the Gleaner Life Insurance Society retreat March 3-4. Booking agents are available 24/7 to help you schedule your getaway. Visit www.gleanerlife.org/florida for more information!
Look for more information on our snowbird picnic and spring training ballgame in the winter issue of Forum Magazine!
Nonprofit Organization U.S. POSTAGE PAID BOLINGBROOK, IL PERMIT NO. 594 5200 West U.S. Highway 223, P.O. Box 1894 Adrian, Michigan 49221-7894
Plan for your child’s future with Just For Kids® Gleaner’s Just For Kids® life insurance plan provides more than life insurance coverage. It also provides a future of opportunities for your child or grandchild. For a one-time premium payment of $125, you can provide $10,000 of immediate term life insurance coverage with options for future financial security and stability. Even more, you can purchase up to three certificates per child, tripling the amount of coverage available to them.
Future insurability Later in life, your child or grandchild can convert his or her Just For Kids® certificate to up to $50,000 of permanent, cash-value life insurance, without underwriting. That means that if his or her health should change between learning the ABCs and solving for a+b=c, they will still be eligible for affordable life insurance coverage.
Scholarship opportunities Just For Kids® also makes your children or grandchildren Gleaner benefit members, giving them access to benefits like Gleaner’s scholarship program. All eligible members who are students and meet the qualifications can apply for a one-time competitive $3,000 scholarship. Applications open Nov. 1. To apply or to learn more about eligibility requirements, visit www.gleanerlife.org/scholarships.
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Just For Kids® form number ICC14-JFK-APP with state-specific variations. Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE,www.gleanerlife.org OH, TN & VA.