Forum Magazine - Spring 2018

Financial

spring-cleaning

p. 10

How Gleaner

gives p. 18

Gleaner’s ďŹ nancial

stability p. 16

Spring has arrived Join our mission to bring communities to life.

As we enter the season of new life and renewal, may your seeds bear good fruit and fill your family with love and benevolence. We hope the financial security you have through Gleaner Life Insurance Society gives you peace of mind on all of your journeys this season.

As we celebrate all things made new, be inspired to join us in our mission to strengthen our communities and make them better places to live.

To learn more about Gleaner’s Give and Grow program, or to connect with your local arbor, visit www.gleanerlife.org.

Contents

Spring 2018

Features 10

Tips for spring-cleaning your finances With these techniques, you can clean up your finances with habits like reorganizing file cabinets and evaluating your budget.

10

16

Gleaner’s financial stability Learn about the financial strength of Gleaner Life, including its 2017 performance, from Jeff Patterson, senior vice president and CFO.

18

How Gleaner gives From service projects through the Give and Grow program to activities organized by Gleaner arbors, from donations given by Home Office employees to the various ways members can contribute, learn how Gleaner Life gives back.

20

16

18

The basics of cryptocurrencies Learn all about bitcoin and cryptocurrency, and gain insight about how you should invest and exactly what you’re investing in.

Congratulations, Marvin H. Jr., from Springfield, Missouri, the winner of Gleaner’s winter Forum Magazine giveaway.

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

20 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 22 for the answer.

www.gleanerlife.org

@GleanerLife

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

Contents

Spring 2018 / V. 123 / No. 2 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, CRPC®

Senior Vice President, Marketing, Distribution Support and Gleaner Financial®

8

24

D. Arell Chapman, CRISC

Vice President, Information Technology Deborah K. Elliott, SHRM-SCP, SPHR Vice President, Human Resources,

Community Engagement and Administration Grier C. Edwards, MBA, FIC

Assistant Vice President, Marketing and Distribution Support

Anthony D. Golden, CLU, ChFC, RICP, FIC Assistant Vice President, Independent Agent Sales and Distribution

Michelle L. Horn, ALMI

35 At a glance

Kaylene S. Warner, FLMI

Assistant Vice President, Finance and Controller Board of Directors

News & reviews

Interests

3

34 Korinne’s Korner

From the president

Assistant Vice President, Community Engagement

8 Florida Family Days recap

35 Recipe File

14 Gleaner Getaway Tour 2018

36 Benny’s page

Terry L. Garner, Chair

Mark A. Wills, Vice Chair

Donna K. Baker | Russell E. Cunningham Margaret M.S. Noe | Daniel R. Sutton

Todd M. Warner | Frank Dick, Chairman Emeritus Supreme Arbor Officers

29 Remembering Elvin Wills 32 Letters from members 33 50- and 75-year members

Giving back 24 Arbors in Action 26 Welcome, River Valley Arbor!

The Forum Magazine is produced quarterly at Gleaner’s Home Off ice by Grier Edwards, Dustin Everden, Kassandra Gray, Daniel Gordon, Chuck Monahan, Josh Nance, Sarah Symington and Julie Tison.

For questions regarding this publication, please email forum@gleanerlife.org.

Jeffrey Price, Supreme Chief Gleaner

Dick Hadden, Supreme Vice Chief Gleaner Norma Garner, Supreme Chaplain

Linda Ruehrmund, Supreme Conductor Deborah Rydberg, 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

Thoughts from the president Dear members: Our 123rd year of service to our membership and our communities will go down in the history books as a very good, productive year for the Society.

We achieved $4.6 million of net income, up from $4.3 million in 2016. In addition, our member surplus at year’s end was at a record level for any Dec. 31: $93.9 million. See the details in Chief Financial Officer Jeff Patterson’s report on Page 16.

While our total premium was down somewhat after a large percentage increase in 2016, we continue to cope with historically low interest rates and a record-breaking stock market, both of which make our Gleaner fixed annuity and fixed life insurance solutions tougher sells.

We are excited to have our new indexed universal life solution available, giving us an equity-linked crediting solution for our agents to compete effectively within the marketplace, and offering a really attractive solution for our current and future members’ life insurance needs.

I am also excited to introduce Tony Golden, our new assistant vice president of independent agent sales and distribution. With more than 30 years of expertise in life insurance and annuity sales, Tony will help our independent agents grow their business and increase the Society’s membership. Tony also has more than 20 years of experience working for another large fraternal benefit society, and has indicated that he feels like he is coming home!

Our community engagement efforts in 2017 were exemplified by our Samaritan program through our arbors, which distributed $472,269 in our communities. We increased the number of active arbors from 63 to 65 in 2017. We welcomed the newly chartered River Valley Arbor to the Gleaner family; see Page 26 for details.

Plan now to join us at one or more of the 2018 Gleaner Family Days or other Society events; see the details on Pages 5. We hope you were able to join us at the Florida Family Day events in early March. If not, you can see some of the highlights on Page 8.

In addition to all of the great news above, we are pleased to report that we retained our “A- (Excellent)” rating from A.M. Best with a stable outlook for 2018. The plans we have for renewed premium and member growth in 2018 will help us sustain that rating and outlook. In late 2017, we also sought out a separate rating from the Kroll Bond Rating Agency (KBRA). We are proud to report that KBRA has assigned the Society an insurance financial strength rating of "A-" with a stable outlook as well. We will continue to seek annual ratings that reflect the increasing financial strength, and importance of the fraternal mission of the Society, from both rating organizations.

Finally, please see the tribute on Page 29 for former board director and longtime Gleaner member Elvin Wills. We hold Dorothy, Mark, Deb and the whole Wills family in our thoughts and prayers on their loss of Elvin.

We wish you and your families and friends good health and happiness throughout 2018.

Fraternally,

Kevin A. Marti President and CEO

We also provided $225,000 in scholarship awards to aspiring students in 2017, in addition to $1.25 million in terminal dividends to beneficiaries on the passing of our members under our Loyalty Bonus program.

www.gleanerlife.org

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With The Gleaner Life Foundation Series®, individuals can watch a solid financial plan grow into a secure foundation for retirement with either flexible- or single-premium annuity options.

Foundation 9

Foundation SP6 and SP9

Premium options: Flexible premium.

Premium options: Single premium.

Minimum initial premium: $1,000.

Minimum initial premium: $10,000.

Minimum additional premium: $100 per premium.

Issue ages: 0-90 (SP6) and 0-85 (SP9).

Issue age: 0-85.

Guaranteed minimum interest rate: 1.5 percent for certificate years 1-6 and 1 percent thereafter (SP6); 2.0 percent for years 1-9 and 1 percent thereafter (SP9).

Guaranteed minimum interest rate: 1 percent in all certificate years.

Contributions: 100 percent of all contributions immediately earn a competitive interest rate.

Penalty-free withdrawals: Up to 15 percent each year without incurring a surrender charge.

Surrender charges: Withdrawals that exceed the annual 15 percent withdrawal amount will be subject to a surrender charge of 9 percent in the first year, decreasing by 1 percent each year until zero.

Contributions: 100 percent of all contributions immediately earn a competitive interest rate.

Penalty-free withdrawals: Up to 10 percent each year without incurring a surrender charge.

Surrender charges: Withdrawals that exceed the annual 10 percent withdrawal amount will be subject to a surrender charge of 6 percent (SP6) or 9 percent (SP9) in the first year, decreasing by 1 percent each year until zero.

To learn more about The Gleaner Life Foundation Series®, our Foundation Premium Bonus and to see current interest rates, visit 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. The Gleaner Life Foundation Series® Form Nos. FPDA9-13, ICC15-SPDA6 and ICC15-SPDA9, all with state-specific variations. This ad is intended for informational purposes only. It is not intended to recommend a specific product, nor is it intended to provide any legal or professional advice.

For information on possible tax implications, you should consult with a legal or tax adviser.

New this year: Six Flags® and Fair Oaks Farms Six Flags® | Gurnee, Illinois Saturday, June 30

Six Flags® amusement park offers rides ranging from those for young children to water and thrill rides.

Guests can also enjoy dining, a huge shopping area and live entertainment. A new thrill ride is set to debut in spring 2018, the park’s 16th roller coaster. But it isn’t just any coaster. This one will claim the title of world’s largest loop coaster. Guests who purchase a ticket will receive a complimentary thrill pass for unlimited admission through Sept. 3, 2018.

Ticket price includes entrance to the park, one thrill pass and lunch. $20 per ticket

FAMILY

DAYS

2018

Are you and your family ready for an action-packed summer? Do you seek adventure at popular regional venues? Save the date for Gleaner Family Days.

Members can purchase up to seven tickets per event at up to 60 percent off general admission price.

Even more, Gleaner provides a complimentary lunch. Venues include the Toledo Zoo, Comerica Park, The Henry Ford and Michigan’s Adventure.

We’re also excited about two new additions to this year’s lineup — we hope you’ll join us at Six Flags® and Fair Oaks Farms. www.gleanerlife.org

Parking is an additional $20 ($5 savings) Consider extending your stay to return to Six Flags® with your thrill pass, explore Gurnee, Illinois, or shop in the area. Gleaner has rooms blocked at the Holiday Inn for $124 per night.

(Use Gleaner Life Insurance Society when you book online or call the hotel)

Fair Oaks Farms | Fair Oaks, Indiana Saturday, Sept. 22

Located in northwest Indiana, Fair Oaks Farms offers three main adventures for exploring interactive and educational experiences about farming. Learn how milk and cheese are made at The Dairy Adventure, see piglets growing up at The Pig Adventure and meet the farmers who grow your food at The Crop Adventure.

This is a down-on-the-farm experience you won’t want to miss.

Price includes admission and a fresh, farm-to-table fried chicken lunch. $22 per ticket | ages 2 and under free Check out the full schedule, and plan to attend as many events as your schedule allows. Registration can be completed online at www.gleanerlife.org/familydays.

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\ Spring 2018 \ Forum Magazine

www.gleanerlife.org

VOLUNTEERING

THIS SPRING Bring communities to life. Volunteer with Gleaner Life.

As winter comes to a close, find renewal by bringing your community back to life. Whether applying for a Give and Grow service project or getting your local arbor together to complete a monthly activity, spring is a great time to unite with others around a worthy project. Step into the season knowing just one act of kindness can make a difference.

Here are a few ideas to get you started.

Start a community garden.

This is a fun environmental activity for you and your volunteers, and the produce can be donated to your local food bank to provide for those in need.

Gather recycling materials.

This project can add up quickly. Use any proceeds to start another community project, like placing recycling bins at a local park to continue to reduce waste.

Organize a community car wash.

You and your volunteers will satisfy many customers with a community car wash, and you can donate the proceeds to a local nonprofit of your choice. www.gleanerlife.org

Clean up a local park.

This is a great way to help reduce litter and make parks a little bit safer for children and families.

Have a garage sale.

Do some personal spring-cleaning with other volunteers and hold one big garage sale. Whatever you don’t sell can be donated to a local shelter or a local family in need.

Here at Gleaner, we encourage members to give in their community in two ways — participate with a local service club, known as an arbor, or request a Give and Grow service project grant. Get inspired and become active in your community with these fun volunteer ideas — or come up with your own.

The possibilities are endless. Join us in bringing our mission to life this spring.

To become involved with a local arbor or to apply for a Give and Grow service project, visit our website at www.gleanerlife.org. You may also contact Community Engagement at 800.992.1894 or forum@gleanerlife.org.

To obtain more information about arbors, see Page 18.

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Florida Family Days Recap 8

\ Spring 2018 \ Forum Magazine

www.gleanerlife.org

On March 3, members and guests took in a ballgame at Joker Marchant Stadium in

Lakeland, Florida, where the Detroit Tigers faced the Tampa Bay Rays. Guests got to

enjoy lunch and watch batting practice before the first pitch was thrown.

The next day, 250 Gleaner members stepped aboard the Yacht StarShip for a

charter cruise off Tampa, Florida. Breathtaking views, a three-entrĂŠe lunch and live music made this new Family Days event an unforgettable experience.

Thank you for joining us in Florida! Be sure to check out Page 5 for more Family Days events. www.gleanerlife.org

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Tips for

Your Finances The end of spring leads to great changes, whether it's a home redesign or change of clothing. One thing you can also clean up is your bank account.

This is the best time to have a clean financial plate, especially after the conclusion of tax season. Here are some great ideas you can follow to keep yourself financially healthy and clean for the rest of the year.

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\ Spring 2018 \ Forum Magazine

www.gleanerlife.org

Every new holiday season, at least seven percent of

shoppers carry debt from a previous shopping spree. The numbers are costly, which can be a burden on personal finances. You do not want to make credit payments for holiday purchases for the next six months.

Is your budget in an over or under state? You may be

planning your spending schedule for later in the year. If your budget is within a healthy range, then you are in good shape. If the estimate is off from a comfortable range, it is time to perform a self-audit.

You may be planning to purchase a new car, change your job or have children. Evaluate your situation and see if your budget will meet future expectations.

High interest rates along with high unmanageable debt can

be a harmful combination. This can leave you with bad credit, which may make it difficult to obtain loans, lease cars or rent an apartment.

You can improve your credit score by making scheduled payments on time and avoiding large balances on your card. Make sure the balance stays below your utilization rate, which is the difference between the amount owed and credit available.

Another crucial step is to claim and take responsibility in producing your reports. There are various websites around

that can provide free credit scores. You only need to see your score once every 12 months to help manage your finances. If you find errors in your reports, meticulously dispute or investigate them. Generally, one in four reports may have errors that can make a significant difference to your credit score. It can either place you in a healthy spot or in an unfavorable position. If you don't discount misleading reports as soon as possible, you may have a lower credit score than you want.

If your income taxes have already been filed then the next step is to clean up your file cabinets. Send any outdated statements, bills, and other financial documents to the shredder. Only keep the ones that are necessary or important. Hang onto your tax records for at least seven years, especially physical copies. Some paper records do not have to be kept forever. Others may be different, so think carefully about which ones you believe you should keep. www.gleanerlife.org

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You may have items or purchases you do not want or

need. Increasing your savings or paying off debt can be easier by selling the items you do not want. There are websites that specialize in buying used items of a particular kind, whether it is gift cards, clothes or baby products. You can also receive a free quote, shipping label and prompt payment for old electronics. Some merchants can receive quotes that range to the hundreds for old products such as the iPhone 3.

Other dust collectors that need to be managed

are the old files in your cabinet or computer. Old retirement accounts from past employers should be rolled over. If you have old bills from creditors you will likely never contact again, properly dispose of them.

Financial responsibility means monitoring your spending. In these days, it is easy to spend with the rise of online shopping and mobile payment systems. We tend to buy more than we need, which makes reining in spending particularly challenging. Impulse shopping can be common when browsing online stores, window shopping at the mall or buying a meal to satisfy a craving.

If you really need to purchase something,

make sure you get the best price for it. There are several discount stores or websites that can help you get the things you need without disrupting your budget plan.

By cleaning up your finances, maintaining clean accounts and micromanaging your expenses, you are doing more than enough to finance-proof yourself. You can prevent financial headaches and have the credit to make essential purchases in the future. With a well-managed financial record, you can enjoy life without stressing over bank statements or bills.

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www.gleanerlife.org

Plan ahead

Give back If you could get great life insurance AND make an impact in your community, wouldn’t you?

Do both. At once. At Gleaner Life, we provide life insurance and annuity solutions while also giving back to the people we serve by reinvesting our profits back into member communities with everything from scholarships to soup kitchens and more. If you’re only thinking about life insurance, it’s time to think differently. Choose planning ahead and giving back, not between the two.

Gleaner Getaway Tour 2018 Join us for a Gleaner Getaway Tour of historic proportions in Washington, D.C. From July 29 to Aug. 3, 2018, we’ll explore famous landmarks and museums and learn about our nation’s history.

Here is a glimpse at the exciting itinerary.

Monday, July 30 Washington National Cathedral Marvel at history and artistry at the Washington National Cathedral. During a behind-thescenes tour, be ready to discover stained-glass windows, sculptures and gargoyles, chapels, towers, carvings and more.

Tuesday, July 31 Ford’s Theatre Step back in time to the events of April 14, 1865. At Ford’s Theatre, guests will learn about the lasting impact of President Abraham Lincoln’s assassination on our nation. More than 650,000 visitors are welcomed each year, making this a tourist destination you won’t want to miss.

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www.gleanerlife.org

Wednesday, Aug. 1

Thursday, Aug. 2

Library of Congress Jefferson Building Known for its beautiful architecture and elaborately designed interior, the Library of Congress Jefferson Building is as historic as it is refined. Come marvel at the largest library in the world, and explore history in the form of books, photographs, newspapers and more.

Newseum The Newseum, with 15 galleries and 15 theaters, is one of the most interactive museums in the world. Exhibits include the 9/11 Gallery, the Berlin Wall Gallery and the Pulitzer Prize Photographs Gallery. Learn the major role the free press has had throughout history and about the importance of free expression and the First Amendment.

United States Capitol Symbolic of the American people and their government, the United States Capitol is the meeting place of the legislative branch. It is also a popular tourist spot and attracts millions every year.

www.gleanerlife.org

The six-day, five-night getaway to one of American’s most historic regions is available to Gleaner members and friends for $825 per person based on a doubleoccupancy room rate (single-, triple- and quadruple-occupancy rates are also available). You will depart from Gleaner Life Insurance Society in Adrian,

Michigan, on July 29, traveling in a motor coach. The package includes accommodations and admission to the sites, and some meals. Trip insurance is available at an additional cost.

Double-occupancy

$825

Quadruple-occupancy

$725

Triple-occupancy

Single-occupancy Rates per person

$775 $1,025

To register or learn more, visit www.gleanerlife.org or contact the Community Engagement Department at forum@gleanerlife.org.

Itinerary subject to change.

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Gleaner Life Insurance Society Statements of the Society’s Financial Condition December 31, 2017

Gleaner Life Insurance Society’s financial condition improved again in 2017. Our achievements were reassuring as we faced a very low interest rate environment throughout the year. The Society’s balance sheet remains strong, with a high-quality 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 $1.285 billion as of Dec. 31, 2017, a 2.4 percent decrease from 2016. However, our total premium levels were still encouraging, with only a $4.3 million decline in 2017 (a $3.9 million and $400,000 drop in annuity premium and life premium, respectively). The depressed interest rate environment in 2017 made it difficult to keep pace with our 36 percent growth in total premiums in 2016.

Our annuity internal exchange program began in February 2016 (and continues through at least June 2018) and has created enthusiasm with our members and representatives. We completed $41.3 million of annuity internal exchanges in 2016-2017, but our financial statements reflect premium and surrender amounts net of internal exchanges. Members participating in the annuity internal exchange program received $823,000 in terminal dividends (Loyalty Bonus) payments over that same period.

Another factor in our asset decline in 2017 was a $6.3 million increase in member benefits paid compared with the previous year. Annuity 16

\ Spring 2018 \ Forum Magazine

death benefits increased $4.8 million, annuity surrenders increased $5.6 million, life death claims decreased $3.3 million and life surrenders decreased $561,000 in 2017.

Gleaner’s investment portfolio performed well in 2017 despite a slight decline in net investment income from lower interest rates and fewer invested assets. We continued a bond investment program (started in 2016) within our risk parameters in 2017 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 98 percent investment-grade quality and represents 95 percent of our investments. We have an overall bond portfolio rating of “A+” as of Dec. 31, 2017. Mortgage loans, certificate loans, cash and short-term investments, real estate and other invested assets comprise the remaining portions of our investment portfolio.

As of year-end 2017, we have a small position ($1,872,000) 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, low-cost 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 ($1,509,600) is the 100 percent ownership of our subsidiary Gleaner Financial® Corporation (GFC) that started in July 2016. Our GFC strategy is to acquire and expand fee-based financial planning practices utilizing career GFC advisers who offer our clientele a full range of financial solutions, including Gleaner Life fixed annuities and life insurance.

Gleaner did not own any preferred stocks, derivatives or non-conventional investments in 2017. However, the Society will be purchasing derivatives to support our newly introduced (November 2017) indexed universal life insurance financial solution and a forthcoming (late 2018) indexed annuity financial solution. Also, the Society is proud to report it continues to operate with zero debt.

Gleaner’s Dec. 31, 2017, surplus position is $93.9 million — a $3,092,000 increase from year-end 2016. This is our fifth consecutive year with a surplus increase, and our surplus has increased over $13 million since 2012.

Gleaner’s 2017 surplus position is the highest year-end surplus amount in the Society’s history. The Society’s surplus ratio (amount of assets for each $100 of liabilities) of $107.88 also remains above the average of 25 leading life insurance companies (Independent Comparative Report: Standard Analytical Service Inc.).

Our surplus grew as a result of net income of $4,590,000 in 2017, compared with net income of $4,278,000 in 2016. The Society has had five consecutive years of positive net income, with 2017’s www.gleanerlife.org

Balance Sheets

December 31 ASSETS 2017

being the highest in that 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 low interest rate environment.

Successful management of our investment portfolio has also resulted in fewer realized losses.

As of December 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 fullservice 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 committed to preserving our members’ trust and confidence for over 124 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

Invested Assets 1,269,222,915 1,301,166,882 Accrued investment income & other receivables 15,583,275 15,656,524 Other assets 340,984 436,565 Total Assets

$ 1,285,147,174

Certificate reserves and contract liabilities $ 1,164,935,343 $ 1,198,684,378 Accrued expenses and other liabilities 8,038,610 7,404,926 Interest maintenance reserve 11,439,413 13,063,426 Asset valuation reserve 6,863,011 7,328,198 Total Liabilities 1,191,276,377 1,226,480,928

Surplus 93,870,797 90,779,043 Total Liabilities and Surplus

$ 1,285,147,174

$ 1,317,259,971

Statements of Operations

December 31 INCOME 2017 2016 Net premium income: Life $ Annuities Accident and health Net investment income Other income

6,422,802 $ 6,831,989 36,609,333 40,482,036 16,005 17,650 57,935,924 58,292,848 1,180,820 787,247

Total Income 102,164,884

106,411,770

EXPENSES

Increase in certificate reserves (35,013,925) (25,157,173) Member benefits 117,243,951 110,903,504 Commissions 2,053,927 2,605,198 Other operating expenses 11,352,419 12,014,883 Refunds to members 1,899,256 1,774,337 Total Expenses

97,535,628

102,140,749

Income from Operations

4,629,256

4,271,021

Net realized investment gains (losses)

(39,650)

7,347

Net Income

$

4,589,606

$

4,278,368

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

90,779,043 $ 4,589,606 (1,497,852)

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

Surplus at December 31, current year

93,870,797

90,779,043

Net change in surplus for the year

www.gleanerlife.org

$ 1,317,259,971

LIABILITIES AND SURPLUS

SURPLUS ACCOUNT Audits were conducted as of December 31, 2017 and 2016 by Strohm Ballweg, LLP.

2016

Investments Bonds $ 1,201,277,951 $ 1,237,747,484 Common stocks 1,871,747 725,831 Mortgage loans on real estate 4,579,895 5,377,319 Real estate, net of depreciation 1,530,368 1,511,595 Cash and short-term investments 16,001,246 19,945,064 Certificate loans 30,176,985 30,048,700 Other invested assets 13,784,723 5,810,889

$

3,091,754 $

2,857,553

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Gleaner Life

A place where members give together and grow together.

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www.gleanerlife.org

Gleaner membership is about fraternalism, benevolence and community service.

As a member of Gleaner Life, you’re part of something much bigger than having financial security — you’re part of a collaborative culture driven by charitable-mindedness and community service. Just by being secured through a life insurance or annuity certificate, you’re able to make a difference in the community in which you live and serve. You’re able to give and grow.

What it means to be a benefit member There are many ways to enjoy the membership that is Gleaner Life. You may be a benefit member secured by a Gleaner life insurance or annuity certificate. You may also be part of a Gleaner arbor. Maybe you’ve participated in the Give and Grow program to carry out a community service project. No matter how you take part in Gleaner’s membership, all members share one thing — we participate in a 124-year heritage of membership, benevolence and community service.

A Gleaner benefit member is anyone secured by a Gleaner life insurance or annuity certificate. Benefit members are eligible for all of Gleaner’s member benefits, including scholarships for students, family-friendly events, exclusive discounts through PerkSpot and more.

Additionally, members are given the option to volunteer with an arbor, a local service club consisting of other Gleaner members. Funded entirely by Gleaner, arbors provide a way for members to help serve in their communities without having to raise funds. Arbors donate time and make contributions to support well-deserving causes, and communities are directly impacted through these charitable service projects. Each arbor can earn up to $6,250 in seed money each year to put back in the community.

Beyond this, even more can be earned through volunteer work. Gleaner rewards arbors for donating time, providing additional funds to use for future activities. Currently, Gleaner has 65 arbors located throughout Florida, Illinois, Indiana, Michigan, Nebraska and Ohio.

Members who aren’t active in an arbor may still become involved by applying for community service projects. Gleaner’s Give and Grow program gives qualifying members with a chance to make a difference in their community. The program provides funding for benefit members and their volunteer partners to plan and complete a service project right in the community. Members who own a Gleaner life insurance or annuity certificate and are at least 12 years old may apply.

www.gleanerlife.org

Here is a snapshot of charitable service projects that have been carried out since the launch of the Give and Grow program in 2017:

Robin Conrad

Mount Gilead, Ohio In November, member Robin Conrad gathered volunteer partners for a project in Mount Gilead, Ohio. Grant funds were used to purchase building supplies to aid in the construction of a memorial pavilion. The project consisted of designing, funding and building the structure at the Morrow County Dog Shelter. The pavilion was dedicated to Thomas Harding, a former sheriff and commissioner of Morrow County and supporter of the dog shelter.

Joan Ross

Ottisville, Michigan Member Joan Ross gathered fellow knitters to make blankets, sweaters, hats and other warm items to meet a need overseas and also provide for local children during the colder months. Grant funds were used to purchase yarn. Ross and her volunteer partners spent a day knitting to create the items.

Denver Smith

Southfield, Michigan Member Denver Smith partnered with a local church to organize a project for school-aged children. Grant funds were used to purchase school supplies, which were provided to local children in need of supplies for the new school year.

The possibilities for Give and Grow service projects are endless. From cleaning up a local park to providing lunches for the homeless, members can choose the project that best fits the needs of their community.

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A look at 2017 Arbor support: $522,806 Educational support: $244,164 Patriotic efforts: $30,445 Community outreach: $523,067 Meals provided: 8,290 Arbors held: 1,144 activities and meetings Total in attendance: 60,303 Members: 11,470 Guests: 48,833

What it means to

Each year, Gleaner Life employees are given the opportunity to donate to their favorite local charities through our Gleaner Life Gives campaign. For 2018, Home Office employees have pledged over $60,000 to support their community.

Top recipients included: Adrian Community Preschool Boys & Girls Club of Lenawee

#giveandgrow

Hope Community Center

Gleaner Life Insurance Society is proud of its heritage, and we want our communities to benefit from those values. We believe in creating possibilities for community outreach. At Gleaner Life, we support members with financial solutions and provide them with personal memberships that are designed, in many ways, to give back.

Neighbors of Hope

Make use of your membership benefits. Become active with your local arbor. Apply for a Give and Grow service project. Let’s carry out our valuable heritage and make a difference. At Gleaner Life, this is what it means to give and grow.

our annual campaign to assist those

For more information on becoming a member or joining an arbor, or to learn more about the Give and Grow program, contact Community Engagement at 800.992.1894 or forum@gleanerlife.org. You may also visit our website at www.gleanerlife.org.

Hospice of Lenawee Lenawee Humane Society The Daily Bread “We are thankful for the generosity of our Gleaner Life employees to in need in our local community,” said Kevin Marti, president and CEO of Gleaner Life Insurance Society. “Gleaner is proud to be a leader in charitable giving in Lenawee County.”

The Basics of

CRYPTOCURRENCIES

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www.gleanerlife.org

ecause of the recent media interest in bitcoin and cryptocurrency, what used to be a vague, nefarioussounding secret of the dark, deep web, is becoming trendy. But just because it's becoming more mainstream doesn't mean you should dive in before you understand what you're investing in. Cryptocurrencies aren't for everyone and the risks are less well known than standard investments and speculation. You really need to have a good understanding of them before you get involved.

Cryptocurrencies are as simple or as complicated as you want to make them, but everyone has to start learning somewhere so here are some of the basics. www.gleanerlife.org

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The first place to start is the most obvious and basic question: what is a cryptocurrency? It's a digital, decentralized currency created using code. It only exists online and isn't backed by gold or any other physical substance like most currencies today. As a decentralized currency, the first of its kind, there is no third party involved. There is no middleman like the bank or government and because of how it exists, on the blockchain, which is an immutable code, it's one of the more secure ways, hypothetically, to keep your money.

There is no interest or tax on cryptocurrencies, because it is decentralized and not controlled by any one entity or institution, which is one of the reasons governments and some media focus on the dangers instead of the rewards and practical uses of cryptocurrencies. A currency that can't be taxed or regulated is no friend to

and Litecoin, which is a smaller coin than bitcoin and often amassed as a backup should anything happen to bitcoin. Many investors are finding startup cryptocurrencies to put their faith and their money in, hoping to win big like the early adopters of bitcoin. Cryptocurrencies, appearing as though they're here to stay, are still a volatile market. You need to be prepared to lose everything before you invest in a cryptocurrency.

Though cryptocurrencies sound daring and fascinating, you should be wary of diving right in, driven by the success you've heard other investors having. Research a variety of cryptocurrencies and spread yourself out. Cryptocurrencies are made and die over days and weeks, so be prepared for sharp rises and falls in your investments. If you choose

ARING AN FASCINATING governments, which is partly why they were invented and are used widely on the internet. This is one of the major pros and cons to cryptocurrencies and something you'll need to understand as part of its basic concept.

They are an anonymous, ungoverned, global currency and therefore are primarily used in illegal dealings. They are the currency of the underworld. What this means for the simple investor, is that if you're scammed or hacked, there's no one to help you retrieve your money.

Cryptocurrencies have been quickly on the rise and you'll most likely have heard of the bitcoin bubble. Or, what everyone is assuming will be a bubble because of its unheard-of growth. Because of that growth, many people don't have the money to invest in a full bitcoin so instead buy sections, which cost less. There are many different cryptocurrencies, like Ethereum, which has its own family of currencies to use on its platform,

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to invest in one of the larger currencies, really investigate the pros and cons and consider what type of investor you are and whether or not this is the market for you. Once you understand the basics of cryptocurrencies, you can start to think about if you want to join the craze or observe from afar.

Did you find the wheat stalk?

In this issue of Forum Magazine, the wheat stalk was hidden on Page 14, in the photo of the Library of Congress Jeerson Building.

www.gleanerlife.org

Looking for life insurance protection with more options?

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Contact your Gleaner agent listed on the back of this publication, or find an agent online at www.gleanerlife.org to learn more about the benefits of indexed universal life insurance. www.gleanerlife.org | 5200 West U.S. Highway 223 | Adrian, Michigan 49221 p 800.992.1894 | f 517.265.7745 Adrian, Michigan | Licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. Strategic Choice IUL® Form No. ICC17-IUL with state-specific variations. This ad is intended for informational purposes only. It is not intended to recommend a specific product, nor is it intended to provide any legal or professional advice. For information on possible tax implications, you should consult with a legal or tax adviser.

Over 150 seniors enjoy Thanksgiving lunch filled with memories to last Maple City Arbor (MI) served a traditional Thanksgiving meal at the Adrian Senior Center, where over 150 local seniors enjoyed a delicious lunch. Among the many dishes provided, the pumpkin and cherry pies were a big hit. Everyone enjoyed the meal, and it was exciting to see the festive decorations. “Helping seniors is as easy as pie,” said arbor secretary Jaime Linden. “It’s amazing how pie can bring out smiles and past memories shared with loved ones. One of our favorite activities is providing a free Thanksgiving lunch, friendship and the added bonus of serving pie to the seniors of Adrian.” Afterward, arbor members decorated a tree for the Lenawee County Historical Society Museum.

Local businesses and social clubs were also invited to decorate trees.

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Valentine-themed event impacts lives of homeless and fills hearts of many North Baltimore Arbor (OH) hosted a Valentine’s lunch at the City Mission homeless shelter in Findlay.

Arbor members prepared and served the meal, and Russ Cunningham and his family decorated the tables. Arbor members also donated supplies to the mission. “The first person to enter the dining area was an 11-year-old girl whose facial expression said it all,” said Elaine Swope, arbor secretary. “She was so excited to see the decorations and to find candy on the tables and boxes of candy hearts on each person’s chair.” Following the meal, the little girl and her sister asked if they could have two glasses from the floating candle decorations. “They were so excited to take something fancy back to their room,” said Swope. “It was a very rewarding evening serving people in need.” www.gleanerlife.org

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Shapshots of more ways our arbors give

Bavarian Arbor (MI) hosted a veterans program for the List Elementary School in Frankenmuth.

In attendance were List fourth-graders, teachers and parents, and Adele Martin, the Frankenmuth School District superintendent who is also a Bavarian Arbor member. The event tied in well with recent lessons the students had learned about what it means to be a veteran. During the program, they learned about Michigan residents who have served in many wars. The students asked the guides a lot of interesting questions.

Welcome, River Valley Arbor Gleaner Life proudly introduces the Society’s newest arbor. River Valley Arbor (IL) was chartered by the Board of Directors on July 11, 2017. Its members have planned their 2017-18 Samaritan calendar and serve the areas of Bourbonnais, Manteo, Aurora Park and greater Kankakee, Illinois. River Valley Arbor supports the following organizations: Gigi’s Playhouse, Catholic Charities of Kankakee and the Manteo Veterans Home.

Pictured from left to right: Karen Smith (president), Cheryl Jones (secretary/treasurer), Carol Glade (reporter), Sonya Ashford (vice president) and Jackelyn Jones (chaplain).

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Heritage Arbor (MI) cooked and served dinner to area veterans.

Arbor members prepared smoked turkey, potatoes, squash, corn, cranberry sauce and dinner rolls. Dessert included a slice of pumpkin pie with whipped cream. After dinner, prizes were given and Pastor Tom Wachterhauser and his wife Beth sang patriotic songs.

South Fairfield Arbor (OH) hosted a Veterans Day celebration for students and staff of the Evergreen School District. Over 200 community members attended, along with members of Lyons VFW Post 7574 and other local veterans. Arbor members recited the Pledge of Allegiance. A high school vocal group sang “The Star-Spangled Banner,” the eighth-grade band played and elementary students sang. Post 7574 presented the colors, and all veterans in attendance were recognized during a salute for various branches of the military. Two school employees shared the poem “I Give to You, My Son,” a touching tribute by mothers whose sons are serving in the military.

The video “Veterans Returning Home” was also presented. “There was not a dry eye in the gymnasium,” said arbor secretary James Hammersmith. The arbor purchased 124 dozen cookies, some of which were delivered to each school building for students and staff. The remaining cookies were given to veterans following the program. After the retiring of the colors, everyone left with a greater appreciation for military members and their sacrifices on behalf of Americans. www.gleanerlife.org

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Alma Arbor (MI) members hosted an animal adoption event at D Tails Grooming Salon in St. Louis, Michigan, and were helped by D Tails owner Dalis Hitchcock and her shop attendant. The arbor paid $300 to help cover adoption fees. Eleven animals were adopted: one dog, one bunny and nine cats. Arbor members also volunteered time by walking dogs, cleaning cages, drying laundry and washing dishes.

Birch Run Arbor (MI) members held a meal planning and budgeting workshop for the special needs classroom at Birch Run High School. Each group planned out a balanced meal, including a budgeted shopping list. Members then showed students how to find coupons for their items. After the planning stage was complete, arbor members and the students visited local grocery and dollar stores to shop for items using the coupons. Following the workshop, the students prepared their meals for the rest of the class.

Homer Twp Oak Arbor (IL) met with members of a local library teen club to assemble gift bags for the Meals on Wheels program. Forty bags were filled with various items, including eyeglass cleaner, Gleaner lip balm, a Gleaner jar opener, toothbrushes, soap, oranges and Gleaner’s arbor brochure. A Christmas card was attached to the handle of each bag. Recipients were very grateful for the gifts. “They start asking their meal driver about the bags around Thanksgiving,” said Ethel Rodriguez, arbor secretary. “We have been told, in some cases, these gifts are the only ones these people receive.” After the gift bags were assembled, the arbor provided a pizza party for the teens.

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Oakwood Arbor (OH) hosted the Charloe Park Party with a fall and Halloween theme.

Children came dressed in their favorite costumes to enjoy games, face-painting and crafts.

Games included Plinko, eyeball toss, corn hole, disc golf and Toss Across. Hot dogs and drinks were provided. Afterward, many enjoyed the beautiful day in the park.

Elvin Wills 1926-201 7

Elvin Wills, lifetime member of Sulphur Springs Arbor (IL) and former Gleaner board member, passed away on Dec. 5, 2017, at the age of 91. He is survived by his wife of 68 years, Dorothy; son and current Gleaner Board Vice Chair Mark (Penny); daughter, Debbie (Fred) Ruetz; two brothers, six grandchildren and four great-grandchildren.

Wills spent nearly his entire life in Coal City and leaves a legacy of unmatched community involvement in his professional and volunteer efforts alike. After graduating from Coal City High School in 1944, Wills joined the military service before being sent home to farm — an occupation he continued his entire life. He started alongside his father raising 3,000 ducks.

No stranger to physical labor, Wills worked on the G&M Railroad and for the Coal City Post Office early in adulthood and helped run the family sawmill. He also farmed with his brother Norman before partnering with his son in 1975. Together the father-son duo raised 5,000 hogs a year. Elvin’s work also included laying field tile until the late 1980s and selling Pioneer seed corn for 35 years. In 1989, he retired from seed sales and farming, turning both operations over to his son.

He served as a committeeman for the U.S. Department of Agriculture in 1960 and 1970. In 2011, Wills received a lifetime membership to the Coal City Lions for serving 50 years in the club and was awarded the prestigious Melvin Johns Award. In 2013, he was recognized for his 50-year membership with the Grundy County Farm Bureau, where he served on the board from 1966-1977. He also served on the school boards in both Sulphur Springs and Coal City for 23 years, was the Grundy County Vocational School planning committee chairman from 1970-1972 and served as a trustee for Maine Township.

Even with his vast involvements, Elvin always made time to serve Gleaner Life. He was president of Sulphur Springs Arbor for many years and a member of the Gleaner Board of Directors from 1977-1999. For his dedication to Gleaner and his community, Wills received two community awards. www.gleanerlife.org

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Arbors spread Christmas cheer in local communities Community Arbor (IN) sponsored a free Christmas movie for the Logansport community. Over 300 attended to watch “The Polar Express.” The arbor also held a prize drawing for one girl, one boy and a family. Prizes included “The Polar Express” DVD and soundtrack and a “Polar Express”-themed Monopoly board game. Santa Claus was also in attendance.

Floyd Arbor (MI) participated in the Veterans Christmas Party.

Members helped with setting up, decorating, greeting the veterans and handing out gift bags that were purchased by the arbor. After the celebration, members went to individual rooms to distribute more gifts and visit with the veterans.

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Bay Area Arbor (FL) sponsored the annual Holiday in the Park event for Hillsborough County’s Apollo Beach Park. Arbor members set up and then cleaned up the food, serving and entertainment areas. Food preparation entailed cooking and wrapping approximately 800 hot dogs and serving them along with condiments, chips, cookies and water to all who came to the food pavilion. Entertainment included local school singing groups of different ages, as well as zumba and wrestling demonstrations. The highlight of the day was the arrival of Santa Claus. Children lined up to sit on Santa’s lap, have pictures taken and receive a gift from Mrs. Claus and the Christmas elf. Santa, Mrs. Claus and the Christmas elf were all costumed arbor members.

Vulcaneer Arbor (MI) assembled Christmas dinner bags for families in need. The bags contained $15 gift cards to purchase hams at a local grocery store, as well as homemade banana bread and cookies. Arbor members carpooled to seven homes to deliver the bags. They also sang Christmas carols for each family.

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Dear South Fairfield Arbor,

Dear Rolling Prairie Arbor,

Thank you so much for being so generous and providing so many coats and boots for our students.

These students truly appreciate it, and it is such a nice, bright spot for them. Thank you again.

On behalf of the NewDay Foundation, I would like to thank you for your generous monetary donation.

Our success would not be possible without the many giving people, like you, who truly believe in the cause of NewDay — to bring comfort and support to local cancer patients and their families.

Monica Carrizales, Evergreen Elementary

“I am putting my itchy old coat in my backpack, and I’m wearing this new one every day!”

— Kindergarten student “All my coats have broken zippers.

I really like this new one.”

— Kindergarten student “I can’t believe people are so nice and gave me this coat!”

— Second-grade student “I am so thankful that these people got me a new coat.

Mine is dirty and old. I love this!”

— Fifth-grade student “It is awesome that there are still good people in the world who are willing to do this. It makes me smile.”

— Technology teacher “Tell the people that donated these coats thank you.

Our family doesn’t have a lot of extra, so this was a big help.”

— Parent

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The effort of the NewDay Foundation is 100 percent volunteer. The funds that we raise from all of our events and donations help local cancer patients and their families with financial and physical support as they struggle with the everyday challenges of cancer.

This support includes transportation to and from treatments, financial assistance for everyday needs as well as advocacy groups, patient resources and “Bags of Hope.” The need is great in our community.

Your effort, generosity and prayers permit us to reach our goals and expand our success. We are truly blessed to have the support from each and every one of you!

The NewDay Foundation is passionate about keeping the legacy of its founder alive and will always focus on her dream: “To be a loving support system to those battling and surviving cancer.”

Together, we are making a difference!

Thank you and God’s blessings, Joyce Marhanka Secretary NewDay Foundation

www.gleanerlife.org

50-year members Alaska

Margaret Minnich, Lathrup Village

Arkansas

Joanne K. Nicloy, East Jordan

California

Katherine Reese, Battle Creek

Florida

Alan W. Sherman, Barryton

Steven M. Wilson, Kenneth City

Nebraska

Allora F. Crawford, Coal City

Ohio

Upcoming Events

Joseph J. Fiday, Plainfield

Mary J. Hamilton, Jefferson

Gleaner Family Days 2018

Indiana

Mitchell W. Jones, Toledo

Patricia Komon, Kenai

Dennis M. Newman, Clio

William S. Gibson, Cabot

Michael L. Pakosz, Prescott

David L. Ruedger, Berkeley

Lisa Larson Rocheleau, Belmont

Robert W. Weldon, Melbourne

Shirley M. Sprague, Barryton

Illinois

Donald E. Sullivan Jr., Nebraska City

Donald L. Fiday, Joliet

Paul D. Allan, Toledo

William J. Fiday, Joliet

Michael T. Jones, Toledo

Shirley M. Edington, Marion

Carol L. Miller, Jefferson

Andrew J. Hladek, Hammond

Timothy L. Miller, Jefferson

Michigan

Tennessee

Ruth A. Hock, Midland

Carolyn G. Rau, Crossville

Katharine Hadaway, Ossian

David E. Miller, Jefferson

Tracey L. Rosenfeld, Fort Wayne

Barry W. Reeve, Jefferson

David H. Gaunt, East Jordan

Robin Anthony Neal, Knoxville

Members will enjoy a day at popular regional venues at a discounted rate.

Gleaner also provides lunch, so all you’ll have to do is come and enjoy time with your family. See Page 5 for more information!

Thursday, June 14 Flag Day 2018

Kevin M. Hills, Riverdale

11 a.m. EDT Gleaner Life Insurance Society Home Office

75-year members

5200 W. U.S. Hwy. 223, Adrian, Michigan

California

Ohio

Illinois

James E. Harman, Napoleon

Charlene Koelling, Crete

John E. Parrish, Perrysburg

Robert J. Kestel, San Jose

Margaret M. Bosse, Toledo

Robert C. Davey Jr., Niles

Walter E. Mangas, Ney

Bonita J. Schroeder, Watseka

Margaret West, Marion

Indiana

Thomas G. Braun, Lowell

July 29 – Aug. 3 Gleaner Getaway Tour Washington, D.C. Registration opens March 1 at www.gleanerlife.org. See Page 14 for more information!

Tom E. Singleton, Knox

Nov. 9-11 Gleaner’s 2018 Family Safari to Kalahari

Edna Mae Bell, Saginaw

Registration opens May 1 at www.gleanerlife.org.

Michigan

Leo L. Lanphear, Paw Paw

Thomas Walkington, Greenville

Ronald D. Zimmerman, Concord

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Korinne’s Korner As many of you know, our journey to Gleaner Life Insurance Society has taken us from Indiana to the Pacific and Atlantic oceans, the South, back to the Midwest and, finally, to Michigan for the past eight years. And, might I add, what a terrific ride it has been for our family! We all learned many life lessons along this road and have had the pleasure of meeting lots of wonderful people. Some of these acquaintanceships with neighbors, co-workers, fellow students and more have turned into lifelong friendships.

Isn’t that the best gift of all? How empty my life would be without my friendships, new and old.

“Let us be grateful to people who make us happy. They are the charming gardeners who make our souls blossom.”

— Marcel Proust

Our home at the lake in Lenawee County is no different than our past neighborhoods.

Although we love lake living, what truly makes it exceptional are the neighbors who have become our dear friends. Many are ready to lend a helping hand, which is a gift to us all.

Towing a fellow boat owner to the dock, lending tools for household repairs, shoveling 16 inches of snow (an angel did our driveway while we were out of town), sharing powerwashing equipment – the list goes on and on. As you know, I enjoy cooking and trying new recipes. Our “test kitchen” neighbors come to my rescue by tasting, judging and giving feedback on new recipes I submit to Forum Magazine. The two recipes here received high praise from all my testers.

May you gobble up these treats and not be concerned with the calories. By the way, I LOVE getting feedback from you all.

Fraternally yours, Korinne Marti, Wife of President and CEO Kevin Marti 34

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Recipe File Amish Sugar Cookies 1 cup butter, softened 1 cup vegetable oil 1 cup sugar 1 cup confectioners’ sugar 2 eggs 1 teaspoon vanilla extract 4½ cups flour 1 teaspoon baking soda 1 teaspoon cream of tartar Preheat oven to 375 F. In a large bowl, beat together the butter, oil and sugars. Blend in the eggs and then the vanilla. Gradually add the dry ingredients until well-combined. Drop by teaspoonfuls onto an ungreased baking sheet.

Bake until golden, about 8-10 minutes.

For ginger-molasses dough: 1 cup sugar ¼ cup butter, room temperature 1 tablespoon ground ginger 1 tablespoon baking soda ¾ teaspoon cinnamon ½ teaspoon cloves ¼ teaspoon salt 1 egg ¼ cup molasses 2½ cups flour 2 tablespoons crystallized sugar (I used regular sugar) Water for brushing

Peanut-Ginger Double-Deckers For peanut butter dough: ¼ cup butter, room temperature ¼ cup sugar ¼ cup dark brown sugar ¼ cup peanut butter ¼ teaspoon baking powder ¼ teaspoon baking soda ¼ teaspoon salt 1 egg yolk ½ cup plus 2 tablespoons flour Preheat oven to 350 F. Make the peanut butter dough by mixing butter and both sugars until uniform in color. Mix in the peanut butter, baking powder, baking soda and salt. Add the egg yolk and then the flour. Cover the bowl while you make the ginger-molasses dough.

For the ginger-molasses dough, cream together the sugar, butter, ginger, baking soda, cinnamon, cloves and salt. Add the egg, followed by the molasses and flour.

To assemble the cookies, scoop a walnut-sized amount of the ginger mixture. Roll it in the crystallized sugar, flatten it on a baking sheet and brush with water. Place a marble-sized ball of peanut butter dough on top of the ginger cookie, then flatten it with a fork creating a crisscross pattern.

Bake until golden, about 10-12 minutes.

Do you have a favorite recipe you'd like to share? We'd love to feature it!

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 www.gleanerlife.org

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Hi, Kids!

Spring is finally here! Did you know the first official day of spring was March 20? I’m guessing most of you have just enjoyed an adventure over spring break. Maybe your family picked a spot with warm weather and sandy beaches. Luckily, we’ll be seeing more of that sunshine at home. This also means time for spring cleaning. Here are a few things you can do to get ready: • Offer to help your mom clean out the cupboards.

• Offer to help your dad clean out the garage.

• Offer to help with any outdoor chores, like springtime planting.

• Offer to help your grandparents with any chores they might have.

Speaking of planting, here’s a little outdoor project to put some spring in your step.

Happy bird-watching!

BENNY

The Benevolent Lion

cheerios™ bird feeder You will need: • Pipe cleaners (or plain wire for older kids) • Cheerios™ • Ribbon

Instructions: 1. Thread Cheerios™ onto the pipe cleaner. Leave a little space at each end so you have room to work with at the end.

2. Carefully bend the pipe cleaner into the shape of a heart.

Tip: Fold the pipe cleaner in half before putting on the Cheerios™. The fold then becomes the top of the heart.

3. Repeat Steps 1 and 2 a few more times until you have your desired number of hearts.

4. Connect your hearts, and twist the ends of the pipe cleaners to close each heart.

5. Attach a ribbon to the top, and find a nice spot to hang your bird feeder outside.

If you enjoyed this activity, email your name and address to forum@gleanerlife.org by May 31 for a chance to win an Under Armour® duffel bag.

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Secure Life Plus Financial security for every season

Secure Life Plus brings together the simplicity of traditional whole life insurance and the flexibility of three payment periods: 10-year pay, 20-year pay and paid-up at age 100. With guaranteed level premiums, your payments will never increase, giving you the stability to secure your home, your family and your future. As your life changes, Secure Life Plus will be there to protect you and your loved ones with all the benefits of permanent life insurance.

Three ways to pay

Product riders

10-year pay

Living Benefit Riders

20-year pay

Guaranteed Insurability Option

Paid-up at age 100

Waiver of Premium

Contact your Gleaner agent listed on the back of this publication, or find an agent online at www.gleanerlife.org/agents to learn more about the benefits of whole life insurance. 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. Secure Life Plus Form No. ICC17-WL with statespecific variations. This ad is intended for informational purposes only. It is not intended to recommend a specific product, nor is it intended to provide any legal or professional advice.

For information on possible tax implications, you should consult with a legal or tax adviser.

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

Gleaner invites you to celebrate

Flag Day 2018 Thursday, June 14, 11 a.m.

Gleaner’s Hom Homee Office Adrian, Michigan

Join us as we honor the American flag, local veterans and active-duty military at the 32nd annual Flag Day celebration.

The event will include guest speakers, an American Red Cross blood drive, a care package assembly project benefiting local veterans, patriotic music, youth activities with Benny and a complimentary all-American lunch.

To help plan for the luncheon, we appreciate an RSVP before June 1 by emailing forum@gleanerlife.org or calling 800.992.1894.

If you plan to donate blood or participate in our packing activity, please preregister at www.gleanerlife.org/flagday.

Many Gleaner arbors sponsor Flag Day activities in their communities. If you can’t join us at the Home Office, contact your local arbor to find an event near you.