Issuu

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Forum Magazine \ Spring 2017 \

G L E A N E R

L I F E

BIENNIAL CONVENTION OCTOBER 13-15 T R AV E R S E C I T Y, 2 0 1 7

M I

Grand Traverse Resort and Spa Take in the beauty of northern Michigan as you unwind at the Grand Traverse Resort and Spa. Offering all the amenities of a luxury spa, the Grand Traverse is a short drive from sandy beaches, hiking trails, golf courses, several wineries and downtown shopping in Traverse City. To learn more about this year’s entertainment, see Pages 14-15.

Not attending convention? Join us for a discounted stay! Gleaner is offering members and guests who aren’t attending convention an opportunity to stay at the Grand Traverse for Gleaner’s group rate starting at $149 plus taxes and resort fee ($15.95) for two double beds or one king (depending on availability). Email communityengagement@gleanerlife.org to learn more about staying at the Grand Traverse Resort and Spa.

Contents Spring 2017

Features

At a glance

News & reviews

Interests

From the president

Order children’s books

Snowbird picnic recap

Recipe File

Korinne’s Korner

Benny’s page

Gleaner’s financial stability

Learn about the financial strength of Gleaner Life, including its 2016 performance, from Jeff Patterson, senior vice president and CFO.

Spring-clean for a fresh start

Air out any lingering winter blues by spring-cleaning, organizing your home and donating to local charities.

58th Biennial Convention

Take a glance at the exciting activities Gleaner has planned for the 58th Biennial Convention in Traverse City, Michigan.

9 Gleaner Family Days calendar

The Gleaner mailbag

50- and 75-year members

Congratulations, Crystal O., the winner of Gleaner's winter Forum Magazine giveaway.

20 Remembering Susie Garner

Read this issue closely for another chance to win with Gleaner's giveaway contest.

Giving back 6

Gleaner in action

18 Get involved: volunteer

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.

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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.

Forum Magazine \ Spring 2017 \

FORUM Spring 2017 / V. 122 / No. 2 Officers and Senior Management Kevin A. Marti, FSA, CLU, ChFC President and CEO

Happy

Easter from Gleaner Life! May the joy of the Resurrection fill your family with love and benevolence.

As we remember the sacrifices

made on the cross, be inspired to

join us in our mission to make our communities better places to live. To connect with your local arbor or to find an arbor near you, visit www.gleanerlife.org.

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 Deborah K. Elliott, SHRM-SCP, SPHR Vice President, Human Resources and Administration Grier C. Edwards, MBA, FIC Assistant Vice President, Distribution and Marketing 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 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 Gleanerâ€™s Home Off ice by Alanna Cook, Grier Edwards, Daniel Gordon, Chuck Monahan, Salina Richards, Sarah Symington and Julie Tison. For questions regarding this publication, please email forum@gleanerlife.org.

Thoughts from the president Dear Members: We concluded a very successful calendar year 2016 with $4.28 million of net income, $47 million of premium income and our members’ surplus approaching $91 million! We again experienced a roller coaster ride in 2016 with interest rates — the 10-year Treasury fell to a record low of 1.36 percent midyear before climbing back to 2.45 percent by year's end. Our financial strength and stability serves our members’ financial security very well while allowing us to continue serving the communities in which we live and work with our arbors and Samaritan program. See the full details of our financial results from Chief Financial Officer Jeff Patterson on Pages 10 and 11. We’re certain you recognize that Gleaner, as a memberowned not-for-profit organization, operates differently than most commercial life and annuity insurers do. There has been a lot of discussion in the industry about the fiduciary status of financial advisers and agents. Whether Gleaner's independent agents operate formally in their business practices as fiduciaries under the legal definition or not, the Society does our best to ensure that the financial solutions we offer to our members through our agents are designed with you and your family’s best interests and suitability in mind. We will not issue certificates to our members if the interests of the member, the agent and the Society are not properly aligned. We rarely have complaints from our members, and when we do, we go the extra mile to try to resolve the situation to our members’ ultimate satisfaction. We can’t control the path of credited interest rates over time because we can’t control the path of investment yields, but Gleaner has never increased the nonguaranteed cost of insurance rates in a universal life certificate, or nonguaranteed premium rates in a term or permanent life insurance certificate, as many commercial life insurers have elected to do in recent years. Rest assured, we work in our members’ best interests in everything we do at all times. We honor our commitments.

“Act as if what you do makes a difference. It does.”

March. We hope you will be active in your local arbor's events throughout 2017, spreading the caring hands and goodwill of the Society and its members as you serve. We are trying a new and different approach to our past summer Gleaner picnic schedule that we are calling Family Days. See the information on Page 9, and sign up for as many good times with fellow Gleaner members as your schedule and travel plans will allow. We hope to also see you for our annual Flag Day celebration on June 14 at the Home Office in Adrian, Michigan. Finally, don’t forget to make plans to attend the 58th Biennial Convention at beautiful Grand Traverse Resort in Traverse City, Michigan, in October. See the information on Page 14. It should be beautiful there that time of year. In closing, do you know a friend or family member who would enjoy being a Gleaner member, helping out in the community, and who would also benefit from the member perks and financial security afforded by one or more of our life insurance or annuity financial solutions? Our member-based organization thrives in the long term by building a larger loyal membership. We can certainly use your help in this endeavor. Fraternally,

— William James

On the community engagement front, we enjoyed seeing many of you at our Florida snowbird events in early

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Kevin A. Marti President and CEO

Forum Magazine \ Spring 2017 \

2017

SNOWBIRD MEMORIE S

Gleaner Lifeâ€™s annual Snowbird events helped to kick off a full schedule of events for 2017. On March 4, members and guests took in a ballgame at Joker Marchant Stadium in Lakeland, Florida, where the Detroit Tigers faced the New York Yankees. Guests got to watch batting practice before the game and enjoyed a lunch before the first pitch was thrown. The following day, Gleaner families gathered for a picnic lunch at the Resort and Club at Little Harbor. Guests brought food and monetary donations for Our Lady of Guadalupe Food Pantry. Thank you for joining us in Florida! Did you miss our Florida events? Donâ€™t worry, there are still plenty of events planned in 2017. Check out the calendar on Page 9.

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Forum Magazine \ Spring 2017 \

Gleaner in action Gleaner Life is proud to continue its tradition of giving. Gleaner Gives supports local communities in three ways:

GLEANER GIVES CORPORATELY.

Our Home Office and employees are making a big difference in Lenawee County. Gleaner employees and Gleaner Life Insurance Society pledged $64,876 to Lenawee Cares, a program of the Lenawee Community Foundation, for 2017. One hundred percent of the donations stay in Lenawee County for the benefit of the community. In addition, Gleaner Life hosts Casual for a Cause day every month, and employees donate the proceeds to a local organization. Gleaner employees recently donated $1,049 to Share the Warmth Program to help homeless individuals in Lenawee County. In February, Gleaner Life also presented a check for $3,912 to Hospice of Lenawee County.

GLEANER GIVES THROUGH OUR GRANTS.

Starting in June, members can apply for grant funds to make an impact in their communities. This is a great way for our members to give back on an individual basis. Look for more details in the summer issue of Forum Magazine.

GLEANER GIVES THROUGH OUR ARBOR SYSTEM.

Our 63 arbors are working every month to give back to their communities. Read some examples of the many ways our arbors support their communities on the next few pages. 6

\ Spring 2017 \ Forum Magazine

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South Fairfield Arbor (MI/OH) outfits children for winter South Fairfield Arbor (MI/OH) wanted to make sure no child was cold this winter. Members purchased coats and boots to clothe 65 children at Evergreen Elementary School in Metamora, Ohio. “We know that there is a need, and every child should have a warm winter coat and boots like their other classmates,” said Sue Hammersmith, South Fairfield president and Chair of Gleaner's Board of Directors. “We don't want children to get sick or not attend school because they don't have a coat or boots. Regular school attendance is important for school success, and caring adults and education can help children to succeed and overcome poverty.” Several arbor members shopped and carefully selected an array of options for the children. Then, with the assistance of school personnel, youth picked out their own coats and boots so they could choose their favorites in their sizes. Several teachers extended their appreciation to South Fairfield Arbor. First-grade teacher Becky Laver signed up five students who were excited to receive coats and boots. “They proceeded to show me every detail of their coats and boots! I watched as many students walked back to their classrooms hugging their coats and boots with huge smiles on their faces. Many of them stopped in my room to show me their items. They were so happy and proud to have these items. Thank you for bringing such joy to our children and providing them with clothing to keep them nice and toasty warm through the winter,” said Laver. “My second-grade girls were so excited to receive the coats and boots. One of them especially loved the fur on the edge of the hood. Thank you so much for your donations! This helped our students experience something that they don't get to www.gleanerlife.org

do very often ... choose something brand-new for themselves,” said Holly Sintobin, second-grade teacher. “As we were trying on boots, one student took off his shoes to try on the boots. The shoes he was wearing were literally falling apart. He was so happy to have shoes that his ‘dad did not have to try to glue back together.’ We are so appreciative and grateful for your caring and thoughtful gesture,” said Jackie Mossing, Title 1 intervention teacher. Madison Arbor (MI) caters sit-down meal for homeless Madison Arbor (MI) members teamed with Madison High School’s Interact Club to host a catered valentine-themed meal for Share the Warmth Homeless Shelter guests in Adrian, Michigan. As part of the Youth Action event, Interact Club members wanted to find a way to serve the Share the Warmth program, which provides shelter for homeless individuals. “The Share the Warmth shelter is so important in our community. It is open during the cold months, typically November through April, and residents are able to return to the shelter each night at 6 p.m. and then during the day must find other arrangements, such as day shelters,” said Dawn Opsal, Madison Arbor president. Madison Arbor asked Helen Henricks and Bill Riordan, Share the Warmth directors, for ideas. Henricks thought a sitdown dining experience with real plates and silverware would mean a lot to the guests. Madison Arbor and the Interact Club took it from there, securing Stone’s Catering for the meal and planning every detail, including centerpieces for the tables, entertainment and the menu. “We really wanted to make it special and provide a finedining experience,” said Opsal.

Madison Middle School’s Broken Bows group, which performs fiddle music, played, and a local church choir sang hymns. The menu included appetizers of shrimp and wings, plus tossed salad, fresh fruit, roast beef au jus, chicken breast stuffed with dressing, parsley red-skinned potatoes, green beans almandine and macaroni and cheese. Dessert was a heart-shaped brownie decorated with sprinkles. The night of the dinner, arbor members and Interact students worked together to help create the fine-dining atmosphere and helped the caterer get set up. Shelter guests arrived at 6 p.m. and were greeted by Interact members, while other youth volunteers served beverages and appetizers. “Our students couldn’t stop talking about the project afterward. One student said she was talking to a guest at the shelter and he told her, ‘This is better than Thanksgiving and Christmas.’ During the time the church choir was singing, one guest, who never speaks or participates, stood up the entire time and afterward thanked each member of the choir individually,” said Opsal. Madison Arbor was happy to help facilitate the youth activity. “There are so many needs in the community, and we as arbor members should help inspire youth to make a difference in the community and develop a passion for lifetime commitment to service. By working with the youth, from beginning to end on a project, and involving them the entire way on planning and decision-making, they can see how all you need is an idea and together you can really make a difference,” said Opsal. Their efforts made a big impact. Said Henricks and Riordan: “We were overwhelmed by the amount of effort you put into [the party]. Our guests are still talking about how special they felt. Keep up your wonderful spirit of volunteerism.” Forum Magazine \ Spring 2017 \

Snapshot of more ways our arbors give 1. Black Swamp Arbor (OH) Black Swamp Arbor members worked with youth at Paulding Elementary to make 24 blankets to donate to local police to use in the event of an emergency and to Project Linus, an organization that makes and donates blankets to critically ill children. Pictured are Jordan Manz, Malia Manz and Casey Agler.

that included fur, leather, satin, ribbons, crinkly wrap, buttons, zippers, Velcro, belts, stuffed animals, flowers, beads, etc. The group made seven blankets. The arbor also made a donation to the SuperHeroes in Training 4-H Club.

2. Maple City Arbor (MI) Maple City Arbor planned and hosted a free tai chi class at the Adrian Senior Center. Participants enjoyed exercising and learning about the benefits of tai chi.

4. Fallen Timbers Arbor (OH) Fallen Timbers Arbor awarded a Community Volunteer Recognition Award to 11-year-old Jaxon Sanchez, who is raising money for a classmate diagnosed with Burkitt lymphoma. He started a T-shirt-selling campaign with $800 of his own money. So far, he has raised $3,000.

3. USA Arbor (MI) USA Arbor members worked with the SuperHeroes in Training 4-H Club to make “busy blankets” for adults with dementia. The youth worked with Gleaner volunteers to design the blankets, selecting from a plentiful supply of materials

5. Bay Area Arbor (FL) Bay Area Arbor sponsored and participated in the annual Holiday in the Park event with the Hillsborough County Parks and Recreation Department at Apollo Beach County Park. The complimentary event included food

\ Spring 2017 \ Forum Magazine

and gifts from Santa and Mrs. Claus, an appearance by Santa's elf, bounce houses, skate park contests and singing by local school groups. 6. Hawthorne Arbor (IN) Hawthorne Arbor invited the Lowell Volunteer Fire Department to a turkey and ham dinner and donated $1,000 to the department. At the same event, the arbor presented $100 checks and poultry purchased at the Lake County 4-H Fair to six local churches, three trustee offices, St. Jude Battered Women’s Shelter and Wings of Hope Women’s Shelter. 7. Holland Arbor (OH) Holland Arbor members met Mason, a golden retriever therapy dog, and donated $250 to Assistance Dogs of America to help offset the costs of the vital service these dogs provide.

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Gleaner introduces

Gleaner Family Days Saturday, June 24 INDIANA BEACH Monticello, Indiana $15

Sunday, June 25 JOLIET SLAMMERS BASEBALL GAME Joliet, Illinois $12

FAMILY

Days in 2017 As you start making summer wish lists, make sure you include Gleaner’s new Family Days in those plans. These family-

Saturday, July 8 TOLEDO ZOO

friendly events are planned at regional

Toledo, Ohio $15

fun spots, where members will enjoy

Saturday, Aug. 12 MICHIGAN'S ADVENTURE

discounted ticket rates* up to 60 percent

Muskegon, Michigan $20

Saturday, Aug. 19 DETROIT TIGERS BASEBALL GAME Detroit, Michigan $25

off and a complimentary lunch. See our brochure for location details and dates, and register at www.gleanerlife.org/familydays.

Join us for additional family-friendly events throughout the year. JUNE 14 Flag Day Celebration and blood drive Adrian, MI (See more details on the back cover.)

OCT. 7 Gleaner Day at Greenfield Village Dearborn, MI OCT. 13-15 58th Biennial Convention Traverse City, MI NOV. 10-12 Gleaner’s Family Safari to Kalahari Sandusky, OH

We look forward to seeing you this summer! * Ticket transactions will also include a fee up to $5.37 in addition to the cost of the tickets.

Financial Statements of the Society Dec. 31, 2016

Gleaner Life Insurance Society’s financial condition improved again in 2016. Our achievements are reassuring as we faced a very low interest rate environment over most of the year. The Society’s balance sheet remains strong, with a highquality investment portfolio and a solid and growing surplus position. Gleaner’s stable financial foundation supports our members’ financial and community engagement goals and our future business initiatives. Gleaner’s positive financial position gives assurance that we will uphold the promises in each member’s certificate. The Society’s assets are $1.317 billion as of Dec. 31, 2016, a 1.2 percent decrease from 2015. However, our annuity premium growth was encouraging, with a $12.8 million jump in 2016. Life insurance premiums decreased slightly, but total premiums rose by over 35 percent from one year ago. Our annuity internal exchange program began in February 2016 (it continues through at least June 30, 2017) and was received enthusiastically by our members and representatives. We completed $25.4 million of annuity internal exchanges in 2016, but our financial statements reflect premium and surrender amounts net of internal exchanges. Members participating in the annuity internal

exchange program received $509,000 in terminal dividends (Loyalty Bonus) payments. Another promising factor in 2016 was an $8.5 million drop in annuity surrenders that contributed to an overall decrease of $3.8 million in member benefits. Gleaner’s investment portfolio functioned well in 2016, despite declining net investment income from lower interest rates and fewer invested assets. We began two new bond investment programs within our risk parameters in 2016 to better match the duration of our liabilities and to boost investment income. The Society’s diversified investment portfolio is built on prudent policies and practices. Gleaner’s conservative philosophy and professional management supply a sound basis for our investments. The Society’s bond portfolio is over 97 percent investment-grade quality and represents 95 percent of our investments. We have an overall bond portfolio rating of “A+” as of Dec. 31, 2016. Mortgage loans, certificate loans, cash and shortterm investments, real estate and other invested assets comprise the remaining portions of our investment portfolio. As of 2016, we have a very small position ($725,831) in common stocks. Our common stock holdings include capital stock

requirements ($362,100) for our membership in the Federal Home Loan Bank of Indianapolis (FHLBI). Gleaner is a member of FHLBI to enhance our liquidity position and have ready access to reliable, lowcost funds. Our intent is to use our FHLBI membership as liquidity insurance, and we would only access funds in an emergency situation. The other portion of our common stock holdings ($363,731) consists of the 100 percent ownership of our subsidiary, Gleaner Financial Corporation (GFC), which dates to July 2016. Our GFC strategy is to acquire and expand fee-based financial planning practices with career GFC advisers who offer our clientele a full range of financial solutions, including Gleaner Life fixed annuities and life insurance. Gleaner does not own any preferred stocks, derivatives or nonconventional investments. Also, the Society is proud to report it continues to operate with zero debt. Gleaner’s Dec. 31, 2016, surplus position is $90.8 million, a $2,858,000 increase from year-end 2015. This is our fourth consecutive year with a surplus increase, and our surplus has increased nearly $10.0 million since 2012. The Society’s surplus ratio (the amount of assets for each $100 of liabilities) of $107.40

A.M. Best affirms Gleaner’s “A- (Excellent)" rating A.M. Best Co. affirmed Gleaner Life Insurance Society’s “A- (Excellent)” rating with a “stable” outlook on Jan. 4, 2017. A.M. Best is a worldwide insurance rating and information agency that has been in operation for over 100 years. It is the largest and longest-established company devoted to issuing in-depth reports and financial strength ratings on insurance organizations. The “A- (Excellent)” rating is assigned to companies that have, in A.M. Best’s opinion, an excellent ability to meet their ongoing insurance obligations. Individuals can review a company’s rating assignment and financial strength rating rationale on the website www.ambest.com.

\ Spring 2017 \ Forum Magazine

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Balance Sheets

December 31 ASSETS 2016

remains above the average of 25 leading life insurance companies, according to the “Independent Comparative Report” by Standard Analytical Service Inc. Our surplus grew as a result of net income of $4,278,000 in 2016, compared with $3,934,000 in 2015. The Society has had four consecutive years of positive net income, with 2016's the highest in that time period. Some of the factors in our net income achievements in recent years are containment of operating expenses, a disciplined approach to setting credited interest rates and appropriate pricing of new financial solutions in the current low interest rate environment. Successful management of our investment portfolio has also resulted in fewer realized losses. As of January 2017, our A.M. Best financial strength rating was affirmed at “A- (Excellent)" with a stable outlook. According to A.M. Best, our current rating is assigned to insurance companies that have an excellent ability to meet their ongoing insurance obligations. A.M. Best is a global full-service credit rating agency dedicated to serving the financial and health care services industries. The Society demonstrates financial security and a fraternal spirit. We are focused on maintaining a strong and improving financial position through all types of economic conditions. The Society has been committed to preserving our members’ trust and confidence for over 122 years. Gleaner will continue to make responsible decisions in the best interests of our valued members and the Society’s long-term financial strength. Jeffrey S. Patterson, FLMI

Senior Vice President, Finance and Insurance Operations

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2015

Investments Bonds $ 1,237,747,484 $ 1,243,275,707 Common stocks 725,831 362,100 Mortgage loans on real estate 5,377,319 7,089,510 Real estate, net of depreciation 1,511,595 1,788,985 Cash and short-term investments 19,945,064 28,273,928 Certificate loans 30,048,700 30,113,482 Other invested assets 5,810,889 5,822,976

Invested Assets 1,301,166,882 1,316,726,688 Accrued investment income & other receivables 15,656,524 15,988,047 Other assets 436,565 227,961 Total Assets

$ 1,317,259,971

$ 1,332,942,696

LIABILITIES AND SURPLUS

Certificate reserves and contract liabilities $ 1,198,684,378 $ 1,223,970,143 Accrued expenses and other liabilities 7,404,926 7,053,788 Interest maintenance reserve 13,063,426 7,541,124 Asset valuation reserve 7,328,198 6,456,151

Total Liabilities 1,226,480,928 1,245,021,206 Surplus 90,779,043 87,921,490 Total Liabilities and Surplus

$ 1,317,259,971

$ 1,332,942,696

Statements of Operations

December 31 INCOME 2016 2015

Net premium income: Life $ 6,831,989 $ Annuities 40,482,036 Accident and health 17,650 Net investment income 58,292,848 Other income 787,247 Total Income 106,411,770

7,206,042 27,634,925 21,535 60,088,501 2,227,552 97,178,555

EXPENSES

Increase in certificate reserves (25,157,173) (35,053,333) Member benefits 110,903,504 114,663,507 Commissions 2,605,198 2,361,375 Other operating expenses 12,014,883 10,089,267 Refunds to members 1,774,337 1,177,598 Total Expenses

102,140,749

93,238,414

Income from Operations

4,271,021

3,940,141

Net realized investment gains (losses)

7,347

Net Income

SURPLUS ACCOUNT

4,278,368

(6,000)

3,934,141

Surplus at December 31, previous year $ Net income Other surplus adjustments

87,921,490 $ 4,278,368 (1,420,815)

85,027,409 3,934,141 (1,040,060)

Surplus at December 31, current year

90,779,043

87,921,490

Net change in surplus for the year $

2,857,553 $

2,894,081

Audits were conducted as of December 31, 2016 and 2015 by Strohm Ballweg, LLP.

Forum Magazine \ Spring 2017 \

Spring-clean for a fresh start With spring in full gear, now is the time to spruce up your home and clear out unwanted clutter. Open up your windows, and air out your house after those long months of winter. As you clean and declutter your closets and catchall spaces, here are some cleaning and donating tips to keep in mind. Start by making a list of every room and area in your home. (Save plenty of space to jot down individual steps needed to spiff up each room.) Clean one room from top to bottom, and then move to the next. If you try to tackle only a few tasks in every room at the same time, chances are you will end up feeling overwhelmed and might not be as likely to finish. So make a list of your rooms and areas (i.e., entryways, hall closets, etc.) and every cleaning and organizing activity you want to accomplish in each place. Then estimate the length of time each will take, and make a plan to tackle each one. If you use a planner or calendar, mark the cleaning tasks directly on those days, just like any other appointment or important activity. Is a donation basket on your list? Start collecting items you no longer use or clothing that no longer fits to donate to charitable organizations. You’ll feel good about clearing the clutter and paying it forward to someone in need. If you’re not sure where to donate items, check out donation ideas on the next page.

Cleaning checklist Here are a few must-clean activities. Are these on your list? Tell us your favorite cleaning tips on social media @GleanerLife or email forum@gleanerlife.org.

KITCHEN o

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ipe down all surfaces, W including cabinets. To clean cabinets, mix one part vegetable oil with two parts baking soda, then scrub with a softbristled toothbrush. Then wipe the mixture off with a wet towel, followed by a dry towel.1 lean your ceiling fan C blades using a pillowcase. One at a time, slide blades into the pillowcase and wipe. All of the dust will stay inside the pillowcase. When you’re done, take the pillowcase outside and shake it out before washing it.2

lean your dishwasher by C sprinkling baking soda on the bottom and edges and then running it on its hottest setting.

I f your oven has a self-clean option, use it. An easy way to clean your microwave is to place one cup of water and a chopped lemon in a microwavesafe bowl and run on high for several minutes. Afterward, wipe clean with a towel.

o you have a garbage disposal? D Make ice cubes with half vinegar, half water and grind them to clean and deodorize.3

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LIVING ROOM o

lean drapes and blinds with the C arm attachment on your vacuum.

pot-clean carpet stains. Place S ¼ cup of white vinegar and 1 tablespoon of Dawn dish soap in a spray bottle and fill with water. Spray mixture onto spot, and let stand for 5-10 minutes before dabbing away the stain.

o o

ipe down walls, floorboards, W furniture and ceiling fan (see quick tip in kitchen checklist).

lean windows and window C tracks. Use the same 50/50 water and vinegar mix used on the bathroom mirror.

ash all bed linens and W pillows, and rotate mattress.

Clean window treatments.

ust surfaces and artwork D — a fun task to give your children.

rganize closet (don’t O forget to collect unwanted clothing to donate).

emove cushions from couch R and chairs and vacuum.

CHILDREN’S ROOM

ipe down walls using W a damp towel or rag.

BATHROOMS o

MASTER BEDROOM

un your shower curtain liner R through the gentle cycle in the washing machine and hang it back up to air-dry.

As you work through your children’s room, follow this method for efficient work: examine and toss/ save/donate. With that in mind, tackle the following areas: o

Shelves

crub tub, shower and sink. S For tough tub stains, try a scouring powder made of 1 cup baking soda, ½ cup salt, ½ cup washing soda and 5 drops of lemon essential oil (for scent). Mix until blended, then apply to a damp tub and scrub with a cleaning brush.4

Under bed

Closet

ipe mirror. For a natural W clean, use 50/50 water and vinegar in a spray bottle.

isinfect toilet. For an D easy clean, drop two Alka Seltzer tablets in the toilet. After they dissolve, go over the toilet with a brush.

lean washing machine by C running vinegar through a wash cycle to sanitize and clear soap scum.

ipe the interior of the W dryer and empty lint track.

After these items are checked off, follow the same checklist as the master bedroom.

LAUNDRY ROOM

Mop floor. o

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ipe down sink, outside W of washing machine and dryer, and countertops. on’t forget the iron. Clean D mineral deposits with a mix of baking soda and water, and wipe your iron.5

DONATING CHECKLIST As you get your home organized and clean, don’t forget about the ways you can bless others with your unwanted goods. Those who donate to Goodwill Industries helped employ 312,000 people in 2015.6 At popular donation centers like Goodwill and the Salvation Army, low-income consumers can purchase clothing and home goods for their families at a fraction of the cost of new. The revenue gained through these organizations often goes back into the community to fund programs and services. As you go through each room, keep a donation box or tote handy. Once you’re done, sort through the box and make a plan to donate. While taking all of your donations to one organization is convenient, consider which organizations might need items the most. Do you have blankets and towels you no longer use? Check with your local homeless shelters and animal shelters. Looking to unload clothing your children have outgrown? Consider donating to a local organization, such as Foster Closet, that supports foster children. If you have small appliances or gently used furniture, Habitat for Humanity accepts these items to stock Habitat ReStores, where the money raised helps local families find affordable housing. Have a bigger item like a vehicle? The Salvation Army will accept your gift and use it to help individuals in its Adult Rehabilitation Centers. Learn more at www.salvationarmyusa.org. 1

w ww.onegoodthingbyjillee.com/2013/03/2-ingredienthomemade-kitchen-cabinet-gunk-remover.html

w ww.onegoodthingbyjillee.com/2011/11/ clean-your-ceiling-fan-in-seconds.html

w ww.rd.com/home/cleaning-organizing/9quick-kitchen-cleaning-secrets wellnessmama.com/1348/scouring-powder

4 5

w ww.realsimple.com/home-organizing/cleaning/ laundry/laundry-room-cleaning-checklist

www.goodwill.org/about-us

Forum Magazine \ Spring 2017 \

SATURDAY AFTERNOON ACTIVITY OPTIONS Grand Traverse Distillery Tour Take a tour of Michigan’s largest micro-distillery, Grand Traverse Distillery, where they specialize in True North vodka and Grand Traverse whiskey. The distillery also makes gin and rum, all from natural, regional ingredients, such as the finest cherries and crystalclear glacial water. Following the tour, sample some of the distillery’s signature lines. Fall Color Tour Take a guided color tour of the beautiful fall foliage around “Up North” Michigan. The orchards, vineyards and natural surroundings of Traverse City create brilliant hues. Sit back and watch as the beauty of nature is displayed.

Convention entertainment Gleaner Life’s 58th Biennial Convention is sure to be memorable as you take in the natural beauty of northern Michigan and bond with fellow Gleaner members. But we also have a dynamic lineup of events and activities1 for you to enjoy during your stay. Here are some of the highlights. FRIDAY AFTERNOON: Charity auctions including Benny’s Auction and silent auctions The classic auction continues as members bring donated items for Benny’s Auction. Instead of bidding a specific dollar amount on an item, guests can purchase tickets and enter as many of those tickets as they like in an item’s corresponding box. At the end of the auction, a ticket is drawn from each box, and the item goes to the individual with the winning ticket. Proceeds will benefit the Father Fred Foundation in Traverse City.

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FRIDAY NIGHT: Taste of Traverse City Enjoy an evening of food, drinks and entertainment without leaving the resort. We’re bringing local favorites to you. The Grand Traverse Band of Ottawa and Chippewa will kick off the festivities with a drum circle and dance. Then, guests will sample local food at several stations and participate in fun activities, including a caricature station, wall mural to color, wood carving and music courtesy of DJ Odawa. We didn’t forget about the children! They can enjoy a balloon artist, get their faces painted and paint their own pottery.

Shopping in Downtown Traverse City Front Street, the main shopping thoroughfare in downtown Traverse City, boasts more than 150 boutiques, galleries, restaurants and coffee shops to satisfy your shopping needs. The area also includes Union Street, a captivating Old Town district, and the Grand Traverse Commons, where the rambling Victorian-Italianate buildings of a 19th-century asylum have been redeveloped into an elegant new retail district. On your own If planned activities don’t appeal to you, try a number of other fun activities on your own. Traverse City has plenty of golf courses if you want to hit the greens. You can also rent a bike and ride around the Lake Michigan shoreline or wander through the neighborhoods of Traverse City. Other local attractions include winery tours

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and Turtle Creek Casino. If you want to stay close, check out the on-site shopping located right inside Grand Traverse Resort. There will also be an on-site activity to be determined at the Grand Traverse.

Saturday Teen Fun

Saturday Kids’ Club (ages 5-12)

SATURDAY NIGHT: String Angels

While Gleaner members are away at the business meeting, it’s a perfect time for the kids to play. There’s plenty to keep their attention as they compete in the Mini-Olympics. Children will be divided into three teams to compete in fun and challenging Olympic events that will conclude with a medal ceremony. Children will also enjoy the Joel Tacey Variety Show, which features dazzling juggling, amazing magic, goofy stunts, wacky music and lots of audience participation. In the evening, children can play games, enjoy tennis and swimming, watch a movie and have a pizza party in the Grand’s Health Club. G L E A N E R

Teens can enjoy an evening at Incredible Mo's, where they can bowl, enjoy arcade games and play laser tag.

Enjoy music like never before with String Angels. This dynamic trio plays classical music on electric violins for an eclectic sound like no other. Each an accomplished musician on her own, these three talented women put on a show that is sure to entertain. Playing everything from Bach to pop and rock, the String Angels give classical music a contemporary slant. So get ready to sit back and enjoy the show as we cap off the 58th Biennial Convention. Registration information will be mailed to arbor officers. Look for more information in the summer 2017 edition of Forum Magazine. 1

Activities and events are subject to change.

L I F E

BIENNIAL CONVENTION OCTOBER 13-15 T R AV E R S E C I T Y, 2 0 1 7

Arbors will have an opportunity to adopt a local charity and donate items for that charity’s wish list. Charity representatives will come to accept the donations on Sunday morning and share a little about their organization.

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Forum Magazine \ Spring 2017 \

Dear employees of Gleaner,

Dear Rolling Prairie Arbor,

Dear Black Swamp Arbor,

Thank you so much for your generous donation to Share the Warmth. Your organization has always been a champion of our cause, and we want you to know how much we appreciate it.

Thank you very much for your kind donation of $1,000 to our food pantry. This is the season when many families need some extra help. We are so grateful for your gift.

Thank you for your recent gift of $100 to the Horse Barn Project Fund. Your generosity will provide funds for the construction of the horse stalls in the new horse barn. The 4-H and FFA participants will be forever grateful for your thoughtfulness and generosity. Thank you again for your support.

This year, we have seen a significant increase in our number of guests, and so, therefore, our operating costs have gone up. In the near future, we are campaigning to expand our shelter to a larger, year-round, allday shelter so we can increase our services to assist our guests to be more self-sufficient. Your continued support will help us achieve our goal.

Sincerely, Community Food Pantry of Galena, Hudson, Kankakee, Wills Townships

Sincerely, Lisa McClure Executive Director

God bless you all, Helen Henricks and Bill Riordan, Share the WarmthÂ coordinators

Give and Grow Program Looking for a way to give back to your community? Gleaner Life Insurance Society can help! Gleaner plans to provide $250 grants to members who want to host a project that makes a positive impact on their communities through Gleaner's Give and Grow Program. Apply in June for projects starting in August 2017. Start thinking of ways to impact your community, and look for more details in the summer issue of Forum Magazine. 16

\ Spring 2017 \ Forum Magazine

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Forum Magazine \ Spring 2017 \

Your community is calling! Spring is a time for beginnings. Nature brings new life, and life brings new opportunities. As the weather warms and the windows open, there are endless ways to make 2017 the year you become active in your community. Here are six ideas for getting involved this spring: Join or start a community garden. Community gardens allow people to grow together as they grow food. The vegetables harvested from a community garden are sometimes shared among members, sometimes donated to local food banks or sometimes just taken home by the members who grow them. Regardless of your garden’s mission, it can be a great way to get outside, meet new people and share your green thumb with others. If your area doesn’t have a community garden, find some like-minded friends and approach your city or town council about starting one. Local governments

often have unused plots of municipal land near trails and parks that are ideal for this purpose. Host a 5K supporting a local charity. Many avid runners brave the snow and bitter temperatures in pursuit of their passion. Others may be kicking the dust off their running shoes and getting back into the swing of things. Either way, the cool spring weather is ideal for 5K runs. By charging a registration fee, you can generate funds for a local charity of your choosing. You can also solicit donations from local grocery stores for post-run snacks and water to help cut costs. As with any athletic

activity, keep safety first. Local police can help you determine safe routes for your runners and keep those streets clear on the day of your run. Shop locally. Small businesses are a big part of your community’s local economy. By being a patron of these businesses, you are helping to promote a strong, vibrant community for everyone around you. Consider taking a break from big-box stores and purchasing food from a small grocer. To make an even bigger impact, organize a "cash mob." A cash mob is an organized group of shoppers who descend on a store at once and spend an established amount of money, usually $10 to $20. This gives an economic boost and a surprise to a local business while providing a fun, organized event for shoppers who want their economic community to thrive. Get your paws dirty. If you have a tender heart for animals, consider donating your time and affection to a local shelter. Pet shelters often have a need for people who can help exercise and play with the animals. These shelters are always thankful for any physical resources you can donate as well. If you’re already a pet owner, consider putting him or her to work in the community. Many schools and nursing homes welcome therapy

\ Spring 2017 \ Forum Magazine

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dogs to help people deal with stress, loneliness and other problems. Organizations like the American Kennel Club even have certification programs for therapy dogs. As a thank you for reading, email forum@gleanerlife.org for a chance to win four tickets to a Gleaner Family Day event of your choice.* Get to know your neighbors. You probably know a handful of your neighbors, but do you know them all? Strong, supportive communities are built on social ties. The more people you know, the more needs your community will be able to meet. Don’t forget

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to connect with the original social network — your neighborhood! Consider hosting a block party or a backyard barbecue, or even delivering bags of homemade baked goods to everyone on your street. By simply introducing yourself, you’ll be making your neighborhood a friendlier, more welcoming place. Connect with a Gleaner arbor. Getting involved is a rich part of the Gleaner tradition. As a Gleaner member, you are part of a local Gleaner service club, or arbor. You can find your arbor online by logging on to the member portal at www.gleanerlife.org. Arbors provide volunteer opportunities throughout

the year, impacting individuals and organizations in need of assistance. Many of them even plan events like those outlined in this article. If there isn’t an arbor in your area or you aren’t a Gleaner member, email us at forum@gleanerlife.org to learn more. In the meantime, check out Pages 6-8 for stories of how some arbors are already making an impact. *To enter Gleaner’s Family Days ticket giveaway, email your name and phone number with Family Days ticket giveaway in the subject line to forum@gleanerlife.org no later than May 31, 2017. View the full list of rules at www.gleanerlife.org/giveaway.

Forum Magazine \ Spring 2017 \

50-year members

75-year members

Delaware Danny L. Bader, Delmer

North Carolina Minnie F. Compton, Newport

Illinois Stephen J. Dionne, Aurora Harry L. Heusing, Beecher Mary L. Raymoure, Rockford

Ohio Carole A. Crockett, Toledo Deann L. Frey, Wauseon Elmer W. Geil, Windsor

Indiana Debra Jerue, South Bend

Oregon Carol A. Hamilton, West Linn

Florida Eugene C. Lovejoy, Jasper

Washington Linda S. Kulick, Gig Harbor

Michigan Stacey R. Areaux, Plainwell Roger R. Brown, Highland Britt A. Cary, Grand Haven Kathy A. Cribley, Linwood Lynne Hodges, Stanton Jo Marie Marks, Traverse City Michael L. McDonald, Wixom Gayla A. Miller, Luther Leann Parker, Zeeland Kathleen M. Poole, Laingsburg Alma Root, Elm Hall Douglas A. Stephens II, Kalkaska Staci L. Stephens, Kalkaska

Wisconsin Gerald H. Masters, Benton Vivian J. Masters, Benton

Arkansas George H. Ransford, Magnolia Louis E. Vrooman, Conway Delaware Stephen L. Nickol, Wilmington Illinois Ellen Harshbarger, Bourbonnais Susan A. Sahs, Downers Grove Della Herz, Lowell Florida Garth W. Andersen, St. James City Helen K. Roberts, Ocala Michigan Zane W. Bard, Marquette Larry B. Beach, Six Lakes Charles N. Crooks, Stanton Marilyn M. Delo, Blanchard Theodore P. Dzurka, Bay City Arnold D. Hammel, Shepherd Robert J. Kelly, Ottawa Lake Paul N. Klute Jr., Three Oaks Ohio Charles L. Hogle, Buckeye Lake Donna R. McBeath, Mason John P. Rosebrock, Maumee

Remembering Susie Garner 1953-2016 Susie R. Garner, loving wife of Gleaner Board Member Terry L . Garner, passed away on Monday, Feb. 27, 2017, at the age of 63. In addition to her husband, Terry, Susie is survived by sons, Brian (Casi) Garner, Keith (Norma) Garner and Greg Garner; six grandchildren, Tyler Bridegroom, Myia Garner, Kenneth Garner, Allee Garner, Carmen Garner and Gabby Garner; brothers, Gary (Connie) Burnham and Roger Burnham; and sister, Nancy Redweik. While she spent 30 years working for the United States Postal Service, she freely gave her time to many 20

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other causes and always supported the endeavors of her sons and grandchildren. She was an active member of the Davis Wesleyan Church, the Wesleyan Womenâ€™s Organization and a 10-year 4-H member. Susie also served as secretary of South County (IN) arbor for many years and assisted in planning the Indiana picnic, but her service at Gleaner events went above and beyond. She never just attended an event, but always offered a helping hand. She volunteered at Gleanerâ€™s Family Safari to Kalahari, Snowbird events and biennial conventions. She and Terry joined in on many of Gleaner's getaway trips and always enjoyed visiting with other Gleaner members. She will be greatly missed by all she served and all who loved her.

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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

BILLING ADDRESS

SHIPPING ADDRESS

Your Name: _______________________________

Name: ____________________________________

Address: __________________________________

City/State: ________________________________

Zip: ______________________________________

Phone: ____________________________________

Email: ____________________________________

of The Giving Book: #www.gleanerlife.org _______ Please allow 2-4 weeks for shipping.

o Same as Billing Address

# of The Nickels, Dimes and Dollars Book: _______ x Forum $10.00Magazine (each) = \$ Winter _______ 2017

(Total Amount Enclosed)

Recipe File Corn Pone

Stuffed Zucchini

Submitted by Pat Phillips, Beckley, West Virginia

Margaret Barricklow The Recipe File, Vol. 3, p. 116

Mix together:

6 large zucchini 1 onion ½ cup parsley 1 clove garlic 2 eggs 2 cups cooked beef or pork, chopped ½ cup breadcrumbs ½ cup Swiss cheese, grated 2 tomatoes, sliced

4 cups yellow cornmeal 1 teaspoon salt 1 scant cup sugar Pour 4 cups boiling water over this mixture. Mix well, cover and let stand overnight. The next morning, add: 4 cups flour 3 eggs 2 teaspoons baking powder 1 teaspoon baking soda dissolved in 1 cup buttermilk Bake for one hour at 400 F. in a greased, floured Bundt pan; if using a large loaf pan, bake for 40 minutes.

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Hollow the zucchini. Chop onion and parsley. Press garlic. Beat eggs. Mix with beef or pork and breadcrumbs. Stuff zucchini with this mixture. Sprinkle with cheese. Place in buttered dish. Bake at 350 F. for 30 minutes. Lay sliced tomatoes on top and bake 10 minutes more.

Creamy Dutch Apple Pie Dessert Pat Sutton, Hawthorne Arbor Home Grown Recipes, Vol. 3, p. 259 ½ cup butter or margarine 1½ cups graham cracker crumbs 1 can (14 ounces) condensed milk (not evaporated) 1 cup sour cream ¼ cup lemon juice 1 can (21 ounces) apple pie filling ¼ cup walnuts, chopped ½ teaspoon cinnamon Preheat oven to 350 F. In a 6-by10-inch baking dish, melt butter. Sprinkle in crumbs, stirring well. Press against bottom of dish. In a medium bowl, mix together condensed milk, sour cream and lemon juice. Spread evenly over crumbs. Spoon pie filling over crust. Bake 25 to 30 minutes until set. Cool slightly. In a small dish, mix together nuts and cinnamon. Sprinkle over pie filling. May be served warm or cold. Refrigerate leftovers.

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Korinne’s Korner A favorite saying of mine: May I always be the kind of person my dog thinks I am. Make no mistake about it, Kevin and I are dog people. Today, we have two dachshunds: Maxine, 9, and Lily, 4, or as our friends refer to them — the Marti girls. When our children were all in elementary school, we brought home our first family dachshund, Willamena Mae Marti. We were blessed to have Willie in our home for over 14 years. After we became empty nesters, and through several relocations, we continue to be blessed with our two little gems that keep us hopping every day. They love taking walks at the lake when the weather cooperates. We have lots of dachshund memorabilia filling our home. Our children think we’ve gone way overboard, but it makes one of us (Kevin) especially happy. Studies have shown the health benefits of having a pet. Here are some of them, according to PetArmor.com: • • • •

Better heart health (dogs don’t just fill your heart, they actually make it stronger!) Weight loss Reducing stress Staving off depression

Like everything else in this life, dogs are a responsibility but so well worth our time, love and effort. They’re overjoyed every time we walk through the door, tails wagging with love-filled licks. In addition to all of the benefits listed above, I truly believe our dogs just plain make us better people. 2017 arrived along with new recipe opportunities. Not only am I always on the lookout for new delights to try, but Kevin is as well. He found the recipe below in our local paper, and it has drawn rave reviews from my test kitchen, which consists of our neighbors and friends. It’s a hearty cookie that is complemented perfectly with hot tea or coffee or a glass of milk. Enjoy!

Vermont Maple Pecan Cookies 3 cups old-fashioned oats 1 cup shredded coconut 2⅔ cups flour 1 teaspoon salt 1 teaspoon cinnamon 2 cups brown sugar 2 sticks butter ½ cup maple syrup, plus an additional teaspoon

2 tablespoons Karo syrup ¼ cup boiling water 2 teaspoons baking soda 2 cups chopped pecans Preheat oven to 300 F. Position one rack high and the other rack low. Combine the oats, coconut, flour, salt, cinnamon and sugar; set aside. Heat butter, ½ cup of maple syrup

and Karo over medium heat just until butter melts. Remove from heat. Mix the boiling water and baking soda, then stir into butter mixture until combined. Add a generous teaspoon of maple syrup. Stir in the dry ingredients, followed by the nuts. Drop 1/4 cup balls of dough on baking sheet. Bake 10 minutes on the high rack and another 10 minutes on the low rack. Cool completely.

Fraternally yours, Korinne Marti, Wife of Gleaner President and CEO Kevin Marti www.gleanerlife.org

Forum Magazine \ Spring 2017 \

Hi, Kids! Spring is here, which means it’s time to get outside and enjoy warm weather! We finally get to shake off our winter chills and get some fresh air. That’s good news to a lion like me, who is used to heat and sunshine. That also means there is work to be done. Spring is the season of new life and new beginnings. It’s also when we plant our gardens and get ready for a full year of fun and outdoor adventures. By planting good things now, we can enjoy them later on. And I’m not just talking about flowers or vegetables. You can plant good habits and acts of kindness that bear fruit later on. I hope you are all looking forward to Gleaner’s new Family Day events this year! Be sure to have your family pull out the calendar on Page 9 to keep track of these fun events. Which event are you most excited about? If you make it to the Toledo Zoo, be sure to say hello to all of my animal friends! In the meantime, try to find all of our spring words in the word search below. Take care!

BENNY The Benevolent Lion

\ Spring 2017 \ Forum Magazine

Did you find the wheat stalk? In this issue of Forum Magazine, the wheat stalk was hidden on page 5, in the photo with the orange Gleaner buckets.

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Gleaner Life Term Solutions

Gleaner Life Term Solutions can be tailored to your unique needs. Available in increments of 15, 20, 25 or 30 years, Gleaner Life Term Solutions provide affordable, flexible coverage for every scenario: Gleaner Life Value Term:

Simple term life insurance coverage for a specific period of time

Gleaner Life Family Term:

Coverage for your entire family with only one certificate

Gleaner Life Duration Term:

Multiple term plans for needs of varying length

Gleaner Life Succession Term:

Financial protection for business partners

To learn more about our innovative line of term life insurance products, contact your Gleaner agent, listed on the back of this publication. If you donâ€™t have a Gleaner agent, visit www.gleanerlife.org/agents to find one near you. www.gleanerlife.org 5200 West U.S. Highway 223 | Adrian, Michigan 49221 | p 800.992.1894 | f 517.265.7745 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. Gleaner Life Term Solutions Form #ICC13-TCERT with state-specific variations.

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

31st Annual

FLAG 2017

DAY

Join our Flag Day celebration Wednesday, June 14 11 a.m.

Gleanerâ€™s Home Office | Adrian, Michigan Join us as we honor the American flag, local veterans and active-duty military at the 31st annual Flag Day celebration. The event will include guest speakers, patriotic music, youth activities with Benny and a complimentary all-American lunch. To help plan for the luncheon, please RSVP before June 3. Email communityengagement@gleanerlife.org or call 800.992.1894.

If you plan to donate blood, please pre-register at www.gleanerlife.org/blooddrive. Many Gleaner arbors sponsor Flag Day activities in their communities. If you canâ€™t join us at the Home Office, contact your local arbor to find an event near you.