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Forum Magazine \ Winter 2018 \

Looking for life insurance protection with more options?

STRATEGIC Indexed CHOICE Universal Life

Strategic Choice IUL™ provides the benefits of traditional universal life insurance through flexible premiums and cash value growth. But what if you had the choice to adjust how your premiums are allocated? With indexed universal life, you can direct your premiums to a combination of fixed and indexed accounts. The fixed account earns a competitive current interest rate with a minimum guarantee of 2.00 percent, while the indexed account earns an index-credited interest rate that can vary from 0.50 percent to 11.00 percent*, depending on the index’s performance. That gives you the ability to make adjustments as your financial goals change, and the optional riders protect your family while providing insurability options in the future. With Strategic Choice IUL™, the possibilities are more — more benefits, more security, more growth. To learn more about Strategic Choice IUL™, contact your Gleaner agent listed on the back of this publication, or find an agent online at www.gleanerlife.org/agents. www.gleanerlife.org | 5200 West U.S. Highway 223 | Adrian, Michigan 49221 p 800.992.1894 | f 517.265.7745 Domiciled in Adrian, Michigan, Licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. *11.00 percent cap rate subject to change; guaranteed minimum cap rate is 3.00 percent. Strategic Choice IUL™ Form No. ICC17-IUL with state-specific variations.

Contents

Winter 2018

Features 5 Mark your calendars for 2018

Family Days

Take the time to create lasting memories with your family and friends and save the date for this year’s Family Days lineup.

12 A look back at convention This 58th Biennial Convention recap includes results from the business meeting, charity success stories and photos highlighting the weekend in Traverse City.

21 Updating your beneficiary Learn what you can do to keep your beneficiary information up-to-date.

22 Saving money while living

paycheck-to-paycheck

With these 10 financial techniques, you can practice money-saving habits to get back on your feet and live comfortably.

26 Simplify life’s challenges with Strategic

Choice IUL™

hether you’re just starting out, securing your family’s W future or approaching retirement, Gleaner’s indexed universal life solution helps you meet your life insurance goals. Congratulations, Jim B. from Lockport, Illinois, the winner of Gleaner’s fall Forum Magazine giveaway. Read this issue closely for another chance to win with Gleaner’s giveaway contest.

26 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 39 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.

Forum Magazine \ Winter 2018 \

FORUM

Contents

Winter 2018 / V. 123 / No. 1 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, 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, ALMI

Assistant Vice President, Community Engagement Kaylene S. Warner, FLMI

Assistant Vice President, Finance and Controller Board of Directors

Todd M. Warner | Frank Dick, Chairman Emeritus

News & reviews

Interests

30 2017 event recap

13 A message from the Board of Directors

42 50- and 75-year members 43 Letters from members

Giving back 11 Volunteer with Give and Grow grants 10 Gleaner Life Gives campaign results 32 Arbors in action

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

At a glance From the president

Terry L. Garner, Chair

Mark A. Wills, Vice Chair

40 Recipe File

Supreme Arbor Officers Jeffrey Price, Supreme Chief Gleaner

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

Linda Ruehrmund, Supreme Conductor Deborah Rydberg, Supreme Guard

41 Korinne’s Korner National Headquarters

44 Benny’s page

5200 West U.S. Highway 223 P.O. Box 1894

Adrian, Michigan 49221-7894

p 517.263.2244 or 800.992.1894 f 517.265.7745

www.gleanerlife.org

forum@gleanerlife.org Hours Monday - Friday: 8 a.m. - 4:45 p.m. EST The Forum Magazine is produced quarterly at Gleaner’s Home Off ice by Grier Edwards, Dustin Everden, Kassandra Gray, Daniel Gordon, Chuck Monahan, Sarah Symington and Julie Tison. For questions regarding this publication, please email forum@gleanerlife.org.

Thoughts from the president Dear members: As we reflect on our many accomplishments in 2017, we give thanks to the Home Office team for all of their extraordinary efforts bringing to our agents and members — current and prospective — the all-new life insurance portfolio of financial solutions for protecting your family and accumulating cash value for supplementary retirement income. See the latest addition to our lineup on Pages 26-29, Strategic Choice Indexed Universal Life™. We believe the Society is only the second fraternal to introduce this innovative financial solution. Please also review the information summarizing the results and good works coming out of our 58th Biennial Convention on Pages 12-20. We congratulate newly elected Board Director Russell Cunningham, as well as re-elected Board Directors Donna Baker, Margaret Noe and Todd Warner. See the tribute to 20-year director, outgoing Chair Suann Hammersmith, for her distinguished board service since 1997 on Page 19. As always, Gleaners leave the convention host city better off than when we came, as you will see from the story on Page 14 . We were especially pleased by the receptivity of members and guests to our inaugural 2017 Gleaner Family Days and the continued positive feedback on our annual Kalahari and Gleaner Day events. See the schedule for our 2018 Family Days on Pages 5-9 and the recap of Kalahari and Gleaner Day on Page 30. www.gleanerlife.org

When the final numbers are reported for 2017, we will have recorded our fifth consecutive year of positive net income and increasing member surplus — perhaps to an all-time high! With the seeds we’ve planted in 2017, we have high expectations for renewed growth in 2018, especially in our life insurance business and premium. Here’s hoping you had a blessed holiday season with your family and friends, from Thanksgiving through the CHRISTmas holiday and the beginning of the new year. We pray for peace in the world and God’s blessings upon our beloved Society, its members, agents and employees in 2018. We hope to see our Florida members and visiting winter snowbirds at our exciting Family Days planned for March 3-4! Fraternally,

Kevin A. Marti President and CEO

Forum Magazine \ Winter 2018 \

Wealth transfers with Endurance Life Over the course of your life, you have worked diligently to provide your loved ones with financial security. In the process, youâ€™ve learned that financial needs can change drastically from one life stage to the next. In every stage, life insurance has been there as a safety net; now, it plays an integral role in your next big financial challenge: passing on your estate. Endurance Life is a single-premium whole life solution that combines all the benefits of whole life insurance with the simplicity of a one-time premium payment. Since life insurance death benefits are income-tax-free, you can take a lifetime of savings and turn it into a permanent, guaranteed inheritance for your heirs.

Youâ€™ve made a big impact on their lives. Now, make an even bigger impact on their futures. To learn more about Endurance Life, contact your Gleaner agent, listed on the back of this publication. If you donâ€™t have a Gleaner agent, visit www.gleanerlife.org to find one.

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. Endurance Life Form No. ICC17-SPWL with state-specific variations. Endurance Life is a Modified Endowment Contract (MEC), and as such, gains in the contract are taxable as income when distributions, including loans, are made. For more details 4 \ www.gleanerlife.org Winter 2018 \ Forum Magazine on the tax implications of a MEC, you should consult with a legal or tax adviser. www.gleanerlife.org

FAMILY DAYS | 2018

As you begin making plans for this year, be sure to include Gleaner’s Family Days in your schedule. These familyfriendly events are located at fun regional spots, where members will enjoy discounted ticket rates up to 60 percent off and a complimentary lunch. Check out our full lineup and plan to attend as many events as your schedule allows. Registration can be completed online at www.gleanerlife.org/familydays.

2018

www.gleanerlife.org

Yacht StarShip charter cruise Tampa, Florida | March 4 This new event in Tampa, Florida, will offer breathtaking ocean views, music and a three-entrée buffet lunch aboard a three-deck yacht. The two-hour charter cruise with Yacht StarShip, Florida’s largest fleet of dining yachts, will provide award-winning service and cuisine. Believe us when we say this is an event you won’t want to miss. Don't forget: Our annual Spring Training baseball event is March 3. For details and ticket information, visit www.gleanerlife.org. Boarding time: 11:30 a.m. Departure: 12 p.m. Ticket price includes one pass to board the yacht and the buffet lunch. $25 per ticket Forum Magazine \ Winter 2018 \

FAMILY DAYS | 2018

Ticket price includes parking, admission, a one-ride ticket to be used for the train or carousels and an all-American grill lunch in the Malawi Event Center. $15 per ticket | $8 for 2018 Toledo Zoo members

“We loved Gleaner Family Days because it was a reason to spend time together, when maybe we wouldn't have taken the time to organize it on our own. Gleaner made it simple for us to participate and have extra fun!” - Laura Strzelewicz, Caro, Michigan

Six Flags®

Gurnee, Illinois | June 30

Six Flags® amusement park is another new event on this year’s lineup, offering 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 park admission through Sept. 3, 2018. Ticket price includes entrance to the park, one thrill pass and lunch. $20 per ticket Parking is an additional $20 ($5 savings) 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) 6

\ Winter 2018 \ Forum Magazine

Toledo Zoo

Toledo, Ohio | July 14

With habitats from the arctic tundra to the wilds of Africa and the tropical rainforest to the Sonoran Desert, Toledo Zoo guests can cover the globe in one day. Of the zoo’s 4,800 animals representing 700 species, you can expect to encounter everything from mammoth African elephants and majestic bald eagles to tiny toads. The newly renovated aquarium features more than 3,000 aquatic animals, including stingrays and small sharks. Young children can explore Nature’s Neighborhood to pet and feed select animals.

Michigan’s Adventure Muskegon, Michigan | July 28

Michigan's largest amusement and water park offers two parks for the price of one. Over 60 rides and attractions include a world-class wooden roller coaster, Shivering Timbers, which is over a mile long and 125 feet tall. WildWater Adventure features action-packed water rides, a wave pool, lazy river and three children’s areas. www.gleanerlife.org

Ticket price includes admission to both parks and an all-youcan-eat barbecue lunch in the picnic pavilion. $20 per ticket

“Our family enjoyed a refreshing day at Michigan's Adventure with Gleaner. It was inspiring to witness the recipients of the Gleaner scholarships and celebrate their accomplishments at the luncheon. I wasn't aware Gleaner supported their members this way. Thank you, Gleaner!” – Jennifer Thompson, Schoolcraft, Michigan

Miguel Cabrera. Children can enjoy the merry-go-round in the food court and the baseballthemed Ferris wheel.

Ticket price includes an upper reserved infield ticket and allyou-can-eat picnic buffet starting at 11:40 a.m. in Party Plaza B above the Big Cat Court (behind Section 321).

and meet the farmers who grow your food at The Crop Adventure. Price includes admission and a fresh, farm-to-table fried chicken lunch. $22 per ticket

$25 per ticket

“My family, son and wife, daughter and son-in-law, and our older grandchildren enjoyed the Detroit Tigers game. It was a great event we all enjoyed. All of you at the Home Office are doing wonderful events to bring families and friends together.” – Geri Coleman, Ithaca, Michigan

The Henry Ford

Dearborn, Michigan | Oct. 6

Fair Oaks Farms Detroit Tigers Ballgame

Detroit, Michigan | Aug. 12 Root for the home team when the Detroit Tigers take on the Minnesota Twins at 1:10 p.m. at Comerica Park. As part of the American League Central Division, the Tigers’ lineup features pitching ace Michael Fulmer and hitting sensation www.gleanerlife.org

Fair Oaks, Indiana | Sept. 22

We’re so excited for this new Family Days event where members and guests can experience life down-on-the-farm. 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

Visit Greenfield Village and Henry Ford Museum of American Innovation. Guests will learn about America’s greatest minds and explore innovations of the past. Bring five nonperishable food items or make a $5 donation to support Gleaners Community Food Bank of Southeastern Michigan. Those who donate will be entered to win a one-year membership to The Henry Ford. Price includes admission to the village and museum and lunch. Parking is free for Gleaner members. $20 per ticket

Forum Magazine \ Winter 2018 \

IN A SOLID FOUNDATION, every brick matters. Financial independence starts with a solid foundation. With Foundation 9, a flexiblepremium annuity, you can watch your money grow tax-deferred with the power of compounding interest. Later in life, you can turn your solid foundation into a steady stream of lifetime income. Foundation 9 features a competitive current interest rate with a minimum guarantee of 1.00 percent in all certificate years. The initial interest rate is determined by the amount of premium paid at issue. Even more, Foundation 9 allows you to withdraw up to 15 percent of the account value annually without incurring a surrender charge, keeping your funds readily available should you need them. Gleaner also adds a premium bonus of 0.50% to your initial Foundation 9 premium. That means if you open a Foundation 9 annuity with $10,000, you would receive an additional bonus of $50 credited to your beginning account value. Account value $1,000 - $9,999 $10,000 - $49,999 $50,000 - $99,999 $100,000 - $249,000 $250,000 and over

Current first-year interest rate1 1.75% 2.25% 2.80% 2.85% 2.95%

Foundation 9 features Retirement option: Traditional IRA, Roth IRA, SEP IRA, TSA/403(b) Contributions: 100 percent of all contributions immediately earn a competitive interest rate Premium options: This annuity allows for flexible premiums. Additional premiums paid into the annuity are not subject to an extended surrender charge period. The surrender charge period begins with the initial payment. Surrender charges: Nine percent in year one, decreasing by one percent each certificate year until zero. Withdrawals that are made within the allowed 15 percent per year will not be subject to a surrender charge penalty. Withdrawals that exceed the annual 15 percent withdrawal amount will be subject to the surrender charge until the end of the nine-year term. Start laying a solid foundation for your financial future. To learn more about Foundation 9, contact your Gleaner agent, listed on the back of this publication. If you donâ€™t have a Gleaner agent, visit www.gleanerlife.org to find one.

Foundation 9 Form No. FPDA 9-13 with state-specific variations. Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. First-year interest rates as of 9/1/2017; interest rates are subject to change.

www.gleanerlife.org \ Winter 2018 \ Forum Magazine

www.gleanerlife.org

Not yet a member? Gleaner Family Days 2018 Sunday, March 4 YACHT STARSHIP CHARTER CRUISE Tampa, Florida

Saturday, June 30 SIX FLAGS® Gurnee, Illinois

Saturday, July 14 TOLEDO ZOO Toledo, Ohio

Saturday, July 28 MICHIGAN'S ADVENTURE Muskegon, Michigan

Sunday, Aug. 12 DETROIT TIGERS BASEBALL GAME Detroit, Michigan

Saturday, Sept. 22 FAIR OAKS FARMS Fair Oaks, Indiana

Saturday, Oct. 6 THE HENRY FORD Dearborn, Michigan

Join us for additional family-friendly events throughout the year.

Gleaner members receive more than financial security. They have access to exclusive benefits like PerkSpot, scholarship opportunities, discounted family events and more.

Foundation 9 fixed annuity Financial independence starts with a solid foundation. Gleaner’s Foundation 9 flexiblepremium fixed annuity helps you prepare for retirement: • Guaranteed income for life • Tax-deferred growth • Competitive current interest rate with a minimum guarantee of 1 percent Foundation 9 features a surrender charge of 9 percent in year one, decreasing by 1 percent each year to zero. Foundation 9 Form No. FPDA 9-13 with state-specific variations.

Gleaner’s Lifetime Membership Gleaner’s Lifetime Membership provides a $5,000 accidental death benefit, an important supplement to existing life insurance for a one-time payment of $100.

MARCH 3 Spring Training Baseball Lakeland, Florida

• Issued for adults ages 16 and up

JUNE 14 Flag Day Adrian, Michigan

• Benefit reduced by 50 percent upon attaining ages 75 and 80

NOVEMBER 9-11 Gleaner’s Family Safari to Kalahari Sandusky, Ohio

www.gleanerlife.org

• $5,000 accidental death benefit

Lifetime Membership Form No. 41-96 with state-specific variations. Not available in KS and TN.

Forum Magazine \ Winter 2018 \

GLEANER LIFE GIVES

pledgestoLenaweeCares

Since 1894, Gleaner has helped communities thrive through its mission to provide financial protection, fraternal benefits and volunteer opportunities for its members.

In September, Gleaner partnered with Lenawee Cares, a program of the Lenawee Community Foundation, for the second annual Gleaner Life Gives campaign. Home Office employees were invited to donate to help their favorite charities. “Employees can choose from a comprehensive list of local, not-forprofit entities doing good works for the less fortunate among us. The Society provides a dollar-for-dollar match on employee gifts up to the first $1,000 contributed, and absorbs the campaign’s administrative fees, so employees know going in they are multiplying the impact of their generous gifts to their favorite charities,” said Kevin Marti, president and CEO of Gleaner Life Insurance Society. For this year’s Gleaner Life Gives campaign, Home Office employees pledged $67,489 to support the community, which was an increase from last year’s total. “We are thankful for the generosity of our Gleaner Life employees to our annual campaign to assist those in need in our local community,” said Marti. “Gleaner is proud to be a leader in charitable giving in Lenawee County.” 10

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www.gleanerlife.org

Charitable giving impacts communities and the volunteers who

GIVE AND GROW

With every year that passes, we greet each new beginning with a positive outlook and an open mind. We give a little so we can grow a little. So why not use this year to apply for one of Gleaner’s Give and Grow grants? Gleaner offers $250 Give and Grow project grants to members age 12 and above. Each month, eight grants are awarded throughout our 13 licensed states to be used toward charitable projects. If you’re a Gleaner benefit member, follow these simple steps to get started. Gather a group of at least four other individuals, who need not be Gleaner members. Then come up with your charitable project and apply. It’s that easy! And you will walk away so fulfilled. Give and Grow grants not only leave communities with a lasting impact, they touch the participants behind each project. Here are a few ideas to help make Give and Grow grants a truly valuable experience — for the recipients, your volunteers and for you. Make it a family affair. Use the opportunity to teach your children about the value of charitable giving and making a difference close to home. Your family will have fond new memories to cherish. Partner with a local team. Impart athletes with the gift of giving and building values through teamwork in their own community. They might just build a new fan club along the way. Follow the leader. Today’s youth look up to community members for guidance and motivation. Set an example for youth in your community by showing them how to make a difference. Spread neighborly love. Together with your neighbors, you can benefit a local organization or neighborhood in need. Nothing says community like joining hands right at home. As you commence another year focused on positive change, take a moment to consider how just one Give and Grow grant could change someone’s world — and you! Through giving, we don’t just make the world a better place. We become better people.

GLEANER GIVES: »» The freedom to choose how you want to give and grow. »» A prefunded $250 Visa card for your project. »» Branded T-shirts for your team of volunteers. »» Free resources for promoting your project. Learn more and www.gleanerlife.org

apply online at www.gleanerlife.org/giveandgrow.

Forum Magazine \ Winter 2018 \

Retired Board Member Bill Warner presents the Report of the Law Committee.

Gleaner members vote on board members, constitution changes At Gleaner Life Insurance Society’s 58th Biennial Convention in Traverse City, Oct. 13-15, members voted on board members and changes to the constitution during the business meeting portion of the weekend. They also voted on Supreme Arbor officers.

Cunningham brings over 30 years of corporate managerial experience to his new board role. As service manager, Cunningham coordinates multimillion-dollar accounts for Konecranes, the world’s largest crane company. He also owns and operates multiple real estate assets and a refuse business in and around Van Buren, Ohio.

Elections for the Board of Directors Four nominees were on the ballot, along with a write-in candidate, to fill four seats on the Board of Directors. Members elected Donna Baker, Russell Cunningham, Margaret Noe and Todd Warner to its Board of Directors. While Baker, Noe and Warner were up for re-election, Cunningham joins as a new board member. Vote totals were:

\ Winter 2018 \ Forum Magazine

• Russell Cunningham, 122 (pictured above) • Todd Warner, 111 • Donna Baker, 109

• Margaret Noe, 101

• Suann Hammersmith, 98

He also volunteers in the community, where he is serving a second term on the financial team at Maranatha Bible Church and partnering with Hope House Mission in Hancock County to advocate for the elimination of homelessness. A lifetime member of North Baltimore Arbor (OH), Cunningham serves as vice president and was a 2006 recipient of Gleaner’s Community Service Recognition Award. www.gleanerlife.org

Constitution changes Brought forth by the Law Committee, members voted on constitution changes intended to help address upcoming corporate governance regulations, as well as specific recommendations received by the Society from the Michigan Department of Insurance and Financial Services at the conclusion of our recent triennial examination. Members rejected the proposed changes.

A message from Chairman Terry Garner It is with pleasure and honor that I announce and accept the position of Chairman of the Gleaner Life Insurance Society Board of Directors. I thank the Board for their vote of confidence. The Board is grateful for your participation at the 2017 Gleaner Convention in Traverse City. The delegates, Board, management team, members and guests worked hard for the good of the Society. We also had some fun along the way. The Board appreciates the work of our President Kevin Marti, the senior management team, staff and everyone else who worked hard to make the Convention a great success. Your newly elected Board thanks and appreciates the hard work, insight and years of service to the Board by Suann Hammersmith and collectively wishes her well on the new ventures she will undoubtedly encounter. In that same spirit we welcome Russell Cunningham and the insight he brings to our work.

New Supreme Vice Chief Gleaner Dick Hadden presents a plaque of thanks to outgoing Supreme Chief Gleaner Connie Bland. Supreme Arbor Officers Delegates elected Deborah Rydberg of Heart of Florida Arbor (FL) to the Supreme Arbor to fill the open position of Supreme Guard. New Supreme Chaplain Norma Garner closed the business session with prayer. The current Supreme Arbor officers are: • Supreme Chief Gleaner: Jeffrey Price, West Lockport Arbor (IL)

Over the past five years, Kevin Marti and the rest of Gleaner’s senior management team have worked diligently to restore the member surplus and increase the financial strength of the Society. In doing so, they have built a better future for the Society while honoring our longstanding heritage. Each member can rest easy knowing that the choices made by the Society’s leadership secure the promises of every Gleaner certificate. The Board has complete faith in the leadership at Gleaner’s Home Office and fully supports their vision and direction for our 123-yearold organization.

• Supreme Vice Chief Gleaner: Dick Hadden, Adrian Arbor (MI)

With this in mind, the Board is excited to announce the launch of Gleaner’s first indexed universal life insurance financial solution. This solution has been several years in the making. This Board totally supports senior management on this project, as well as the new indexed annuity that will be introduced later this year.

• Supreme Conductor: Linda Ruehrmund, Chester Arbor (OH)

Lastly, thank you for all you do for the good of the Society. We know we can accomplish so much more when we work as a team.

• Supreme Chaplain: Norma Garner, South County Arbor (IN)

• Supreme Guard: Deborah Rydberg, Heart of Florida Arbor (FL)

Terry Garner

Chairman, Board of Directors

www.gleanerlife.org

Forum Magazine \ Winter 2018 \

58th Biennial Convention impacts Traverse City charities Giving is a vital part of Gleaner’s history, and it remains a focal point at each biennial convention. This year, Gleaner members made an impact in Traverse City by donating to seven charities: Father Fred Foundation, Cherryland Humane Society, Goodwill Inn, Grand Traverse Senior Center, Reining Liberty Ranch, The Rock Youth Center and Traverse City Salvation Army Food Pantry.

assistance to those with less in a five-county area since 1989. Gleaner members and staff participated in a community service project for the organization where they packed 240 bags full of birthday items. At the charity auction, a crowd favorite at Gleaner conventions, $5,856 was raised for the foundation.

Arbors also donated charity totes to the organizations. Filled with items from each charity’s wish list, the totes go a long way toward assisting organizations and the individuals who benefit from their services. The arbors added a special touch by decorating their totes.

The Salvation Army Food Pantry extended a personal thank-you, acknowledging Gleaner and all the arbors for their wonderful creativity, generosity and caring hearts.

Home Office staff and family assisted with the convention's charity auction to benefit the Father Fred Foundation. The Father Fred Foundation has been providing food, clothing, household goods and financial 14

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“Your donations truly go beyond food, nutrition and health,” said Ruth Blick, director of community resource development for the pantry. Blick shared a few stories from food pantry recipients on how the organization has impacted their lives, and how donations like arbor charity totes contribute to the success stories.

www.gleanerlife.org

I have never witnessed such an approach to giving back to a community. — Lori Wells, Grand Traverse County Parks and Recreation Manager “Assistance from the food pantry means that I can feed my family and still have money for gas so that I can work!” — Family of three

“Help with food and car repairs have helped me get a handle on my own. I used to live in my car — I am housed now!” — Single individual Gleaner Life received another thank-you letter from Grand Traverse County Parks and Recreation on behalf of over 5,000 members. The senior center’s manager, Lori Wells, was astounded by the generosity and creativity of Gleaner’s associates.

“I have never witnessed such an approach to giving back to a community. We all attend meetings in different cities, and never have I seen such a display of community support,” said Wells. “Everything will be put to good use and aid us in providing services to our seniors. Your goodness will be paid forward. You have inspired us, and I hope to start a similar program in my own professional circle.”

When Gleaner members met Dan Buron from the Goodwill Inn, they soon realized his connection to Gleaner was personal — and it became personal for those involved, too. Dan, who is executive director and CEO of Goodwill Industries Northern Michigan, hasn’t always lived in Traverse City. Before settling there, he worked for Goodwill in Adrian, Michigan.

“Many organizations and people visit the Grand Traverse area, but few leave an impact behind when they leave. The Gleaner organization not only made a difference for the families, children and adults at the Goodwill Homeless Shelter but the entire community — truly demonstrating servant leadership!” Dan wrote. The weekend concluded on Sunday with an afterglow program where representatives from each of the charities thanked the arbors for their support. Gleaner thanks everyone who made these donations possible and helped make this year’s convention a true success. Mark your calendars for Oct. 11-13, 2019, and plan to attend the 59th Biennial Convention at Kalahari Resorts & Conventions in Sandusky, Ohio.

Riley Creek Arbor (OH) members are pictured with a representative from The Rock Youth Center. The arbor adopted the center and presented them with a customized rock featuring the organization's logo, which was hand-painted by Shannon Reese. www.gleanerlife.org

Forum Magazine \ Winter 2018 \

Remarks from President Marti Gleaner Life held its 58th Biennial Convention in Traverse City Oct. 13-15. To kick off the business meeting, Gleaner Life President and CEO Kevin Marti recognized many individuals who play key roles behind the scenes to help ensure Gleaner’s success. He also shared information about Gleaner’s financial stability. Read an excerpt of Marti’s speech below. Thank you, Madame Chair [Suann Hammersmith].

We greatly appreciate your leadership on the Board and in our community back home and as president of the South Fairfield Arbor for the past 10 years or more. I honestly don’t know where you get the energy!

The senior management team we have in place today is one of the strongest, if not the strongest, in the Society’s history. That’s not to cast any aspersions on some distinguished Gleaner retirees since our last convention, who are in attendance here today — namely Sherry Nino and Jan Goulart. Sherry retired as vice president of fraternal operations, and Jan as vice president of human resources and administration. Sherry did a great job preparing her replacement, Michelle Horn, our assistant vice president of community engagement. And Jan did a great job finding her 16

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replacement, Deb Elliott, now our vice president of human resources & administration. Sherry and Jan, would you please stand and be recognized for your extraordinary years of service and contributions to the Society. And Ells Stout, retired president & CEO, please stand and be recognized. I also truly believe we have the strongest and most diverse Board of Directors by backgrounds and experience in the Society’s 123year history. The management team and Home Office employees do greatly appreciate our full Board’s support and service these past five years, without which we could not have accomplished so much. Please join me in thanking our Board. I have been fortunate to serve on the American Fraternal Alliance Board for the past three years, and recently was honored to be chosen as the chair of their board for 2018. As part of my service

on that Board, I was privy to first-hand research the AFA has been doing on how fraternals need to adapt for success in the future, which actually led me to recommend the “community engagement” name. The focus groups showed most people have little knowledge of what a fraternal was or did. The term fraternal evoked images of college fraternities and secret societies. “Community engagement” speaks to our mission much more clearly to the public at large.

We are excited to report to the members and delegates here today, and on the live stream, the great news of our increasing financial strength and community impact. You will see that we have fully recovered from the financial crisis of 2008-2009, despite the ongoing depressed interest rate environment we still operate in today. Our all-time high for member surplus, I am advised, was just over

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$94 million achieved in July 2008. The financial impact of the Great Recession on our investment portfolio and our pension plan left us at $80.8 million of surplus at year-end 2012. We’ve since been able to restore our financial strength, and hope to finish 2017 at an all-time high for member surplus and security! A lot of hard work and sacrifice has gone into making this all possible on behalf of you, our valued members. We consciously restricted the growth in our asset base through limiting the flow of three percent guarantee and higher annuity renewal premiums, and re-pricing our life and annuity financial solutions in response to the continued low interest rate environment. We continue to maintain and retain our “A-(Excellent)” rating from A.M. Best with a stable outlook, in large part because of those difficult choices we made, with the full support of our Board, and of A.M. Best. We are obtaining a second independent rating from Kroll Bond Rating Agency this fall. We think it might be a good idea to give A.M. Best a little competition. Through our arbors, our members, our agents, our Board and our Home Office employees, Gleaner continues to make a profound difference after 123 years of service! There has been, and continues to be, a 110 percent commitment on the part of our team to the fraternal model. Having insurance operations contributing positive net income to our surplus is what enables us to engage in our communities in so many different ways and places. www.gleanerlife.org

And we are committed to the arbor system, as evidenced by the fact that four new arbors have been formed since our 2015 convention!

Would the officers and members of these new arbors stand and be recognized as your arbor is read, and would our fellow Gleaners please give them a round of applause as each arbor is recognized, and offer your encouragement and support as they expand our fraternal outreach and community engagement locally. Riley Creek Arbor (OH), May 2016

Buckeye City Arbor (OH), March 2017

Simply Giving Arbor (MI), April 2017 River Valley Arbor (IL), July 2017

And now, would all our Gleaner field representatives in attendance please stand, so we may appropriately recognize and thank you for all you do for the Society and its members, helping them protect their families and achieve financial and retirement security. Thank you for your loyalty and service. In 2018, we anticipate being able to once again aggressively grow our life insurance premium and hopefully our total membership as measured by certificate count. In the past few years, with low interest rates, our fixed deferred annuities and fixed life insurance plans have not resonated in the market. We have introduced this past July all new term life and whole life solutions with 10 to 20 percent improvements in

pricing afforded by the new 2017 CSO valuation mortality tables, reflecting lower mortality rates and longer life expectancies. In addition, next month we expect to introduce our first-ever indexed universal life insurance solution, making us only the second fraternal to do so in the U.S. Arell Chapman and the IT team found a way to save the Society a multi-million dollar investment in a new system, which had been the primary impediment to IUL development the past several years. In mid-2018, we expect to follow that up with our first-ever indexed annuity solution, putting Gleaner back on the radar of more agents and more prospective members. Our indexed financial solutions will offer new and interested current members the opportunity to participate in any gains in the S&P 500® Index up to the plan cap, which we expect for IUL will be 11 percent at introduction, while offering a minimum 0.5 percent annual return, even if the S&P 500® Index declines in any given year. Be sure to talk to your Gleaner independent agent about how our new life insurance solutions, in particular, can help protect you and your family, and help you build your supplemental retirement funds!

Since the last convention, we also created a new subsidiary company called Gleaner Financial® (GFC), which will provide fee-based financial planning services for our current members who do not have an assigned agent, and for potential new Gleaner members. We have acquired multiple financial planning practices already, and started two Forum Magazine \ Winter 2018 \

new Gleaner Financial® branch offices, one in Okemos, Michigan, and one in Flint, Michigan. We have hired two experienced, GFC employee financial advisers to run the branches. We expect to expand our GFC operations to states other than Michigan in the coming years. As of August 31, 2017, GFC now has some $215 million of total assets under management already! While the assets of the Society have not grown recently, the Gleaner Financial® initiative gives another way to grow our asset base in any interest rate environment. We expect the GFC operation will be contributing to operating gains of the Society sooner rather than later. GFC provides strategic advantage for the Society by diversifying our future sources of our operating net income longer term, and expanding our distribution channels (with both independent agents and now GFC employee financial advisers), while also improving our enterprise risk management profile. A.M. Best was even complimentary of our GFC subsidiary efforts. You 18

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can anticipate hearing more and more about GFC in the coming years, as we expand our reach and impact. These efforts are led under the capable direction of Senior Vice President of Distribution and Community Engagement Dan Gordon. Thank you, Dan, for your capable leadership. Before we move on to the Law and Nominating Committee Reports, I want to give my strong endorsement to the recommendations of both committees. The Constitutional amendment before you today for your consideration, and hopefully your approval, addresses key weaknesses in our nominating and election processes that were identified in our recent examination by the Michigan Department of Insurance and Financial Services. The changes we are proposing will help us begin to comply for the time when Michigan adopts the NAIC Corporate Governance regulations, which are currently working their way through various state legislatures. At last count, 20 states have passed the

enabling legislation, including seven states we operate in today — Florida, Indiana, Iowa, Kansas, Nebraska, Ohio and Virginia. There are four additional states planning adoption later in 2017, including Missouri where we also operate. We understand that NAIC accreditation requirements will essentially force all states to pass this regulation eventually, in order to remain accredited. When Michigan conducted their recent examination of Gleaner, they operated as if they had already adopted the corporate governance regulations, so we believe the corporate governance regulation is coming to Michigan sooner, rather than later. Passing this Constitutional amendment addresses the governance issue for now, in as unintrusive a fashion as possible, while still maintaining the ability for a Board of Director applicant, who is not ultimately chosen by the Nominating Committee, to nevertheless run from the convention floor, having been vetted the same way as all other candidates on the approved slate. In other words, by completing an application, outlining their particular expertise and community engagement and business experience, submitting to a formal background check, and participating in an in-person interview with the Nominating Committee. Having well-vetted and well-qualified board members will serve both our members’ and our regulators’ best interests equally well in the future. The proposed amendment is the responsible step to take at this time, and we encourage, and thank you in advance, for your consideration and support. www.gleanerlife.org

The proposed amendment received majority support from the Law Committee — a five to three vote, and was approved by the full Board by a near unanimous six to one vote. With respect to the report of the Nominating Committee, and having had the opportunity to work closely with Chair Hammersmith for five years now, the last four as Chair of the Board, and with Directors [Margaret] Noe and [Todd] Warner since their election in 2013, and Director [Donna] Baker since her appointment to fill Richard Bennett’s seat in 2015, I feel compelled to offer my unequivocal and wholehearted support for their re-election to our Board. They bring broad professional backgrounds and business expertise to our Board, along with their passion for

Gleaner’s continued success as both a fraternal benefit society providing financial security to its members, and for being a beacon of light in our many and various community engagement activities.

Thank you also to Vice Chair [Terry] Garner and Directors [Daniel] Sutton and [Mark] Wills for their hard work and support over the years. We lift up Terry and Jeannie Bennett as they forge ahead through life, having lost the loved ones closest and dearest to them since our last convention. May God bless them, and continue to bless the Society as we enter our 124th year of service. I want to say a heartfelt thankyou to Michelle Horn and the Community Engagement team, including our new full-time arbor ambassadors, and various other Home Office staff and members here assisting them, in making our

58th Biennial Convention extra special! Thank you, team!

Lastly, thank you to our members for the continued privilege of serving you as your president and CEO. We’re financially stronger, and much better positioned, for future success — including greater community engagement — than ever before! You have my pledge to continue to put my 38 years of experience in the life insurance industry to work for the betterment of the Society, to grow responsibly, with a continued focus on the fraternal model and engagement in the communities in which we live, work and operate.

Thank you, Suann Hammersmith Gleaner Life Insurance Society extends its sincerest thanks to Suann Hammersmith for her faithful service on Gleaner Life’s Board of Directors. First elected in 1997, Hammersmith most recently served as chair of the Board of Directors from 2013-17. As the first woman to serve as board chair, Suann’s dedicated service helped Gleaner through times of growth and triumph, and helped see Gleaner through the trials of 2008. Her faithful service to Gleaner is matched only by her dedication to the surrounding community where she serves as president and CEO of the www.gleanerlife.org

Lenawee Community Foundation located in Tecumseh, Michigan. She is also president of the family run business and performs consulting and training in nonprofit management, leadership, fundraising and governance. Her giving spirit remains evident as she continues to serve as president of South Fairfield Arbor (MI/OH) and volunteers with several organizations throughout the community.

Suann, we thank you and remain indebted to you for your dedicated service over the past 20 years.

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A look back at Convention

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Have you reviewed YOUR BENEFICIARIES LATELY? Take a moment to think about the last time you reviewed your beneficiary information. Has it been awhile? Have you looked at it since you purchased your financial solution? If you haven’t, don’t beat yourself up. With all you have going on in life, it can be easy to let a significant amount of time pass before you re-examine your beneficiaries. Take some time this month to review who you have designated to receive your life insurance or annuity proceeds. After all, a lot can change in the span of a short time — from marriage to new children, divorce and deaths of loved ones — so you need to make sure your beneficiary information is up to date. It’s easy to do. Simply log on to Gleaner Life Insurance Society’s member portal at www.gleanerlife.org. From the member portal home page, click on “My Certificates.” Your beneficiary information is listed near the bottom of the page. If you need to make a change to your beneficiary or add individuals as beneficiary designees, simply click on “Important Forms” in the left navigation and find the “Change of Beneficiary” section. Once you have completed the form, you can either mail it to Gleaner’s Home Office or email it by clicking on “Secure File Transfer” located on the bottom of the website’s home page.

If you have not yet created a portal account, you can set one up within a few minutes. Click on “My Account” from www.gleanerlife.org and select “Create an account.” Make sure you have your certificate number on hand to complete the process. If you don’t know your certificate number, or if you have any questions about www.gleanerlife.org Forum Magazine \ Winter 2018 \ beneficiaries, contact Gleaner for help at 800.992.1894 or gleaner@gleanerlife.org.

10 WAYS

People Who Live Paycheck-to-Paycheck

Can Save Money 22

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Living from paycheck-to-paycheck until you finally have enough money is a real hassle. Unfortunately, this is the gloomy reality of over three-fourths of Americans, according to a survey from Bankrate.com. This means that very few Americans have a savings for emergency situations and therefore have nothing to fall back on when times get rough. Imagine what would happen if you had to deal with a sudden financial crisis such as a rent hike, expensive bills, overdraft fees or car repair costs. Would you be able to survive with what you have? If not, it’s time to reconsider how you are spending and saving your money. Here are some tips for those who live from paycheck-to-paycheck:

1. Create a budget.

3. Dine in.

This might seem like an incredibly obvious answer, but a Gallup poll shows that two-thirds of Americans do not keep a budget of household finances. Start by tracking what you spend on everything and by estimating how much you want to spend. For example, your monthly rent shouldn’t exceed onethird of your monthly paycheck. You should also plan out how much you spend on groceries, transportation and other important things. This will give you a sense of control over your financial situation and really help you map out how much you’re spending on what items.

Eat at home as much as you possibly can. Eating out, even at fast food restaurants, can be quite expensive. Even a $10 sandwich at a restaurant can appear quite expensive when you realize that the same thing can be made at home for a fraction of that price. Stock up on groceries at your local supermarket and prepare food beforehand. If you’re going out for the night, pack some dinner to bring with you later on. This will help you resist the temptation of spending unnecessary money when you’re hungry. About 19 percent of workers don’t stick to their planned budgets often because of buying food. Abstaining from meals here and there can really make a big difference.

2. Use cash, not credit. One way to feel like you have more control over your finances is by paying with cash rather than credit cards and debit cards. It’s easy to lose track of how much money you are spending when you use a card, but quite easy to know when you are paying with dollar bills. You can withdraw a certain amount of money at the beginning of each week to ensure that you don’t spend more than that amount. This way, you will have an easy way to tell how much you have spent and how much you have left.

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4. Cut back on your expensive hobbies. How much are you spending each month on entertainment? It’s time to critically analyze what you do for fun and find cheaper alternatives. Instead of going to the movies, stay in and watch something on Netflix. Instead of paying for your monthly World of Warcraft subscription, play a free game like Forum Magazine \ Winter 2018 \

Hearthstone. That being said, you’re allowed to treat yourself from time-to-time, but you should be cautious of how much you are actively spending.

5. Ask yourself, “Is it really worth it?” Whenever you are tempted to buy something new, pause for a second and ask, “Is it really worth it to spend money on this?” For example, let’s say you are tempted to buy a $10 movie ticket for the latest blockbuster film. Would you be perfectly fine with waiting until it comes out on Redbox? How else would you spend those $10 by not going to the movies? Weigh your options and determine if the purchase is really worth it or not.

6. Sign up for costsaving memberships and deals. If you look hard enough, you can usually find certain ways to save money on things that you already buy. The savings might seem like they’re only a few bucks here and there, but they can add up to huge amounts over time. For example, some public transportation systems offer monthly passes. If you want to buy one, first calculate the cost of each round-trip and how often you will be using it. Will it save money to buy the monthly pass? If so, why not go for it? Similarly, many grocery stores offer membership discounts, often for free. Signing up for a membership will make each shopping trip a little cheaper, which adds up to big savings over time.

7. Use helpful apps and programs that can save you money. If you have a smartphone or a tablet, there are literally thousands of apps at your fingertips. Many of them are more useful than your average social media or free-to-play mobile games. For example, 24

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GasBuddy reports the prices of local gas stations so that you can compare and contrast the cheapest options. Ibotta gives you back money for the items you purchase. Sure, you will only get about fifty cents back for every gallon of milk, loaf of bread, or bunch of bananas that you buy, but those savings will add up over time, especially if those are items you buy every week. Lastly, you should also make an account with Paribus.co. Paribus is an excellent website that has been featured in publications such as TechCrunch and The Verge. It allows you to get your money back after purchases if there have been price changes. For example, Amazon might be obligated to refund you if you recently bought a $30 sweater that was lowered to $20 a few days after you bought it. Paribus will get you back 75% of the difference, keeping the last quarter for themselves.

8. Tone down on energy use. Your monthly utility bills often tack on a hefty chunk of extra costs to your already expensive rent. Find ways to cut back on your electric and energy bills as much as you can. Try limiting the time you spend each day in the shower by setting a timer for yourself. Unplug your electronics when you’re not using them, especially at night. Plugged-in electrical devices often still suck up energy, even when they’re turned off or the device is fully charged. Turn off lights whenever you exit a room. Replace your regular light bulbs with energy-efficient alternatives. A little bit of savings here and there can make a big difference.

9. Don’t spend money just to spend it. Many people like to treat themselves to something nice when they get their paycheck or a new job. While this is certainly a nice thing to do for yourself, you should cut back on it until you feel financially secure enough to justify extra purchases. Sure, it might be nice to treat yourself to a nice dinner, but is it really necessary? Would staying at home and dining in be that much worse? Always keep your finances in mind before making any major decision. www.gleanerlife.org

10. Change the major problems affecting your finances. Okay, so you have found cheaper alternatives for your food, games and energy consumption. But why stop there? Take into consideration how much your car and gas is costing you. If you are driving a gas-guzzler or some other expensive vehicle, consider selling it and buying a fuel-efficient hybrid car instead. What about your rent? Consider getting an additional roommate or looking for somewhere cheaper to live. Even if your monthly rent is $100 lower, that still amounts to an extra $1,200 a year.

Learning good financial habits is one of the most valuable things that anyone can do to stop the paycheck-to-paycheck cycle. Forming these good habits and techniques will not only help you when youâ€™re trying to survive from paycheckto-paycheck, but can make you noticeably richer later in your lifetime. Practice these important money-saving techniques until you can find a way to get back on your feet and live comfortably. If you enjoyed these tips, email forum@gleanerlife.org with your name and phone number for a chance to win four tickets to a 2018 Family Days event of your choice.

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Forum Magazine \ Winter 2018 \

STRATEGIC Indexed CHOICE Universal Life

Gleaner introduces its first indexed universal life solution Life is unexpected. Financial conditions can change at any moment. So we consider option after option in search of financial solutions that will adapt with our ever-changing needs. We explore investment funds, stock opportunities and more. We secure life insurance. All to create solid, long-term financial goals that benefit our savings plans and protect our families. In November, Gleaner introduced its first indexed universal life insurance financial solution, Strategic Choice Indexed Universal Lifeâ„˘, to help members expand their financial footing and improve the security of their loved ones.

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Strategy-oriented life insurance coverage Strategic Choice IUL™ offers all the benefits of traditional universal life insurance with flexible premiums and cash-value growth. The added benefit of fixed and indexed accounts provides continued growth should the market increase. Each type of account has unique benefits. By strategically allocating premiums between the two accounts, you can achieve specific financial objectives based on your individual needs.

Making the most of your premium Here is an example of how you can use Strategic Choice IUL™ to earn annual interest on your premium allocations. A portion of the premium covers the cost of insurance and expense charges that are associated with universal life financial solutions. Of the rest, you can choose to allocate designated portions to fixed and indexed accounts. COST OF INSURANCE & EXPENSE CHARGES CASH VALUE STRATEGIES* 100%

12-MONTH INDEXED SEGMENT

100%

FIXED GUARANTEED GROWTH

50% 50%

PREMIUM

CASH VALUE CONTRIBUTION

COMBINATION OF FIXED & INDEXED ALLOCATIONS

*These are several examples of combining allocations. You can choose a combination of any whole number percentages that add up to a total of 100%.

The fixed account earns a competitive current interest rate with a guaranteed minimum of 2 percent, securing steady, stable growth. The indexed account credits interest based on the performance of the S&P 500® Index (excluding dividends) with a maximum cap rate. When the index performs well, the certificate can earn higher returns than the fixed account. When the index performs poorly, the indexed account still provides a guaranteed minimum floor rate of 0.50 percent, protecting your cash value from negative returns. Strategic Choice IUL™ provides you with the opportunity to earn interest based on the upward movement of the S&P 500® Index but offers downside protection from a declining market. While the positive growth of the S&P 500® Index can affect your earned interest, the certificate does not participate directly in any stock, bond or equity investment.

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Enjoy benefits built for all of life’s stages Strategic Choice IUL™ will help you build assets as you build your career, protect your family from the unexpected and provide a death benefit for your loved ones — all while taking advantage of continued growth should the market increase. Indexed universal life simplifies life’s challenges so you can focus on the things you treasure most.

Just getting started … For someone at the start of their career and beginning stages of financial planning, you probably have limited resources. You might be concerned about the affordability of life insurance. With Strategic Choice IUL™, you get affordable coverage with flexible premiums, meaning you have the freedom to pay more now and less when you might need to. So, for those unexpected changes, like a big move, a home purchase or a new job, the extra breathing room will be there.

Growing a family … Anyone’s financial situation can change quickly. From loss of income to losing a spouse, we never know what’s to come. But that doesn’t mean you can’t afford life insurance in order to protect you and your loved ones. Strategic Choice IUL™ offers permanent life insurance while building cash value. The flexible premiums allow you to use your certificate’s cash value to pay for your life insurance once a cash value is built up, adjusting your plan as challenges come your way. So, no matter what happens next, you’ll be covered.

Focused on retirement … Later in life, we want our legacy to be left behind. We work hard to build a secure financial standing, and we want to know that our family will have security, too. In addition to providing an income-tax-free death benefit, Strategic Choice IUL™ offers fixed accounts that provide stable growth should the market decrease. So, whether you support your loved ones now or leave a legacy to help later on, the coverage is set for a lifetime when properly funded.

Built-in Living Benefit Riders to help you through a health crisis When you purchase Gleaner’s new indexed universal life insurance, you’re not just protecting your loved ones — you’re also preserving your financial future in case of a major health crisis. Gleaner Life’s Living Benefit Riders provide an early payout of your death benefit in case of a chronic, critical or terminal illness. It’s our way of being there for you when you need us most. Best of all, Living Benefit Riders are included at no additional premium based on underwriting*. *Additional riders also available for additional premium based on underwriting and the age of the insured; must be purchased at issue.

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Want to learn more about indexed universal life? Learn more about Strategic Choice IUL™ by visiting www.gleanerlife.org. You may also reach out to your Gleaner agent, or contact the Distribution Department at distribution@gleanerlife.org or call 800.992.1894. 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. Strategic Choice IUL™ Form No. ICC17-IUL with state-specific variations.

S&P 500® Index considerations ACCOUNT VALUE CERTIFICATE FEATURES AND BENEFITS - INDEX DISCLAIMERS The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Gleaner Life Insurance Society (“Gleaner Life”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by Gleaner Life. This indexed universal life insurance certificate (the “Certificate”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices make no representation or warranty, express or implied, to the Owner of the Certificate or any member of the public regarding the advisability of investing in securities generally or in the Certificate particularly or the ability of the S&P 500® to track general market performance. S&P Dow Jones Indices only relationship to Gleaner Life with respect to the S&P 500® is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® is determined, composed and calculated by S&P Dow Jones Indices without regard to Gleaner Life or the Certificate. S&P Dow Jones Indices has no obligation to take the needs of Gleaner Life or the Owners of the Certificate into consideration in determining, composing or calculating the S&P 500®. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Certificate or the timing of the issuance or sale of the Certificate or in the determination or calculation of the equation by which the Certificate is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Certificate. There is no assurance that investment products based on the S&P 500® will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY GLEANER LIFE, OWNERS OF THE CERTIFICATE, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND GLEANER LIFE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

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Forum Magazine \ Winter 2018 \

Gleaner at a Glance

On Oct. 7, 2017, Gleaner Life held its fifth annual Gleaner Day at Henry Ford Museum of American Innovation and Greenfield Village in Dearborn, Michigan. This event brings Gleaner members together to enjoy a fun outing with family and friends, and also provides awareness of the problem of hunger while raising donations for Gleaners Community Food Bank of Southeast Michigan. Gleaner Day 2017 provided 7,500 meals to Michigan’s hungry. Donations came to a total of 103 pounds of food and $2,500 in cash. Gleaner arbors also provided 32,000 meals to Michigan’s hungry. Arbor members participated by collecting donations in their own communities to give to local food banks. Donations came to a total of 400 pounds of food and $10,800 in cash. In southeast Michigan, more than 670,000 people are food insecure1. This is why Gleaner Life Insurance Society sponsors Gleaner Day each year. Thanks to all who helped feed hungry neighbors in need. More recently, members enjoyed a fun-filled weekend at Kalahari Resort and Waterpark in Sandusky, Ohio. Nearly 700 members and guests enjoyed all that the country’s largest indoor water park has to offer, from water attractions and an arcade to fine dining. On Saturday night, guests gathered for an all-you-can-eat pizza buffet provided by Gleaner. Benny the Benevolent Lion, Gleaner’s mascot, was on hand for the festivities and a meet-and-greet with members, young and old. We hope you’ll plan on joining us for the eighth annual Family Safari to Kalahari on Nov. 9-11, 2018. Look for more details on all of our 2018 Family Day events on Page 5 or visit www.gleanerlife.org/familydays. 1

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http://www.gcfb.org/know_more_hunger_facts

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Online scholarship application

NOW OPEN!

The online application process for 2018 Gleaner scholarships is now open. Since 1980, the Gleaner Life Insurance Society Scholarship Foundation has presented 2,614 scholarships to tomorrow’s best and brightest students. Gleaner plans to award 100 competitive scholarships in 2018. A panel of judges will rank all applications and select the top 100 students. Gleaner’s top 50-ranked applicants will receive a one-time award of $3,000, and another 50 will receive a one-time award of $1,500. Gleaner scholarships are awarded to individuals from a wide range of backgrounds with various goals and dreams, and are another benefit of belonging to Gleaner. To apply for a Gleaner scholarship, a student must: 1. Be a Gleaner member. 2. Be a high school senior or high school graduate. 3. Plan to or currently attend an accredited vocational/technical school, college, university or graduate school within the United States. 4. Enroll as a full-time student taking 10 or more semester credit hours. Not a benefit member? It’s easy and affordable to become one! A benefit member is anyone who is insured by a Gleaner life insurance certificate or the annuitant of a Gleaner annuity. Visit www.gleanerlife.org/scholarships to learn how you can become a benefit member with Gleaner’s Lifetime Membership or Just For Kids® life insurance plan.

Online application closes Feb. 1! To learn more and apply online, visit www.gleanerlife.org/scholarships. Gleaner is domiciled in Adrian, Michigan, and licensed in AZ. FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. Lifetime Membership Form No. 41-96 with state-specific variations; not available in KS and TN. Just For Kids® Form No. ICC14-JFK-APP with state-specific variations. www.gleanerlife.org

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Arbors in Action Fenner Nature Center campers spend day at the zoo

Capital Arbor (MI) (pictured right) held a youth action day on Aug. 4 at the Potter Park Zoo in Lansing, Michigan. Fenner Nature Center day campers started the day with an animal encounter program. Afterward, everyone enjoyed a picnic at the nearby shelter. Hot dogs, chips, watermelon, cookies and box drinks were served. “The weather was cool and windy, but kids had their fill of hot dogs,” said Karen Lowder, arbor secretary. “The cooler weather is good for viewing of animals in their zoo enclosures.” After the picnic and cleanup, everyone enjoyed a tour of the zoo. There were two new moose from Alaska, and the rhinoceros, eagles, penguins, lions, tigers, otters and many other animals were on full display.

Arbor impacts special education co-op Rolling Prairie (IN) held a benevolent activity at Boston Middle School in La Porte, Indiana, for students at the special education co-op. Arbor officers Jackie Thompson and June Lenig furnished games, with each member working a station. Games included pins-in-the-bottle, bowling, ring toss, Bozo buckets, rocket pitch and pumpkin bean bag toss. Members selected games that could be played by every participant, even those in wheelchairs.

Boston teachers, helpers and the principal thanked the arbor for the wonderful activity.

Food pantry benefit drives communitywide involvement Riley Creek (OH) (pictured right) held a food drive for Bluffton Food Pantry at Suter’s Corn Maze in Pandora, Ohio. Free admission to the maze was given in exchange for donated food items. A total of 195 people donated to the drive.

Youth selected a prize for each game played, and each student was given a Gleaner gift bag to use for collecting their prizes. The students had so much fun and couldn’t thank the arbor enough. Thompson presented middle school teacher Patricia Rosenbaum with a check for $750 to purchase items for the sensory room. Snacks were then served to the group.

“This was a win-win-win for our community,” said Kathi Dunlap, arbor secretary. “Gathering food for the pantry, engaging young people to donate and care about hunger in their community, and also blessing the folks who run Suter’s Corn Maze, who have mentored and employed countless youth and young adults in the decades they’ve been in Putnam County, Ohio.”

“Organizations don’t seem to realize this group of children need special attention and activities also,” said Lenig.

It was a beautiful day, with lots of food donated, and a lot of fun for members and those attending.

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Forum Magazine \ Winter 2018 \

Snapshots of more ways our arbors give:

Gleoma Arbor (NE) (pictured above) volunteered time to prepare and send packages of cookies to soldiers. Members met at Stephanie Andresenâ€™s house to package cookies donated by Cookies for Soldiers. A special card was included with each package. Once assembled, they were sent to a unit at Fort Riley, Kansas, before the soldiersâ€™ deployment to South Korea. Adrian Arbor (MI) (pictured left) visited and donated to Ronald McDonald House Charities of Northwest Ohio. The facility, located in Toledo, Ohio, is available to families whose kids are receiving medical care at Toledo hospitals. The cost is free, and meals are also provided at no cost. Donations from the arbor included an assortment of supplies worth $200. The arbor also added to the facility's collection of aluminium can pull tabs, which earn money to pay for meals. Arbor members toured the facility while there. 34

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North Baltimore Arbor (OH) (pictured on this page) volunteered for the Up Up and Away 5K race in Findlay, Ohio. All proceeds went to support the Hancock County Special Olympics, and arbor members were joined by two guests representing the organization. They displayed the Gleaner banner, shared information about Gleaner and arbors, and served water. During the event, hot air balloons flew overhead. Several unique balloons were spotted in the shape of a monkey, dragon and scarecrow. The arbor members served 216 cups of water to over 500 runners. Russ Cunningham and Rod Lucas cleaned up cups that were thrown down by runners. Afterward, the volunteers enjoyed doughnuts and juice before packing up the supplies to be delivered to the finish line. It was a great team effort.

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Forum Magazine \ Winter 2018 \

Snapshots of more ways our arbors give: Hawthorne Arbor (IN) (pictured left and below) assisted the Lowell Girl Scout Troop with the Bark Park cleanup and beautification project. Members and troops pulled weeds, raked loose gravel and put down large stones. They also enjoyed pizza. The arbor has worked with the scouts for many years, and the troop always reaches out to request help with projects.

Madison Arbor (MI) (pictured left) hosted a healthy meal-making activity for community members at the Madison school cafeteria in Adrian, Michigan. Tastefully Simple consultant Paula Williams provided the products, which included instructions on how to assemble and cook each meal. The arbor covered the cost of the products and additional grocery items. Ten participants made five meals: Creamy Swiss Chicken, Pesto Chicken Breasts, Zesty Vidalia and BaconWrapped Chicken, Roasted Garlic Pork Loin, and Superb Beef Stroganoff. Arbor members also prepared two additional meal kits to give to families in need. 36

\ Winter 2018 \ Forum Magazine

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Mid Michigan Arbor (MI) (pictured right and below) held a patriotic activity on Aug. 8, 2017, at the VFW Hall and grounds. Guests attended a ceremony to retire American flags put on by a local Boy Scout troop. Those in attendance included scout leader Bill Layle, his troops and their families, veterans, women's auxiliaries and Mid Michigan arbor members. The scouts retired 17 flags. At the end of the ceremony, they handed out flags to each attendee. The arbor furnished pizza, pop and water.

Sulphur Springs Arbor (IL) (pictured left and below) sponsored a pancake breakfast at the Gardner Lions Hall in Gardner, Illinois. Ten members and nine nonmembers set up, cooked, served and cleaned for the event. They also collected $300 worth of supplies for local schools.

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Forum Magazine \ Winter 2018 \

Snapshots of more ways our arbors give:

Buckeye City Arbor (OH) (pictured above and right) members volunteered for the National African American Male Wellness 5K Run and Walk. They passed out water to walkers or anyone needing nourishment during the five-hour wellness walk. Five tents were purchased for providing attendees with health screenings. This free offering has helped save lives for many years, and the arbor was happy to contribute again. Members also shared information about Gleaner Life Insurance Society, the Ferrell Insurance Agency and the value of life insurance. Promotional items were handed out to attendees. Chester Arbor (OH) teamed up with Williamsport Grange #1815 for the third annual celebrity chef omelet breakfast held at the Morrow County Senior Center in Mount Gilead, Ohio. Community leaders from government, law enforcement and local businesses cooked and served omelets and breakfast

\ Winter 2018 \ Forum Magazine

sides. Donations were accepted to provide items for the Morrow County Sheriff Departmentâ€™s K-9 unit and to purchase a protective vest for its dog. Emerald Echo Arbor (OH) purchased backpacks for children in need. Arbor members then took the children on a shopping trip to fill the packs with supplies for the school year. Entrican Arbor (MI) hosted the Six Lakes Seniors at the Belvidere

Community Church in Six Lakes, Michigan. Seniors were served pizza, ice cream and cookies. Following lunch, card bingo was played until every person won, calling out â€œGleanerâ€? when they had a winning card. They also had a bubble-blowing contest. All winners received a $5 gift card to the dollar store in Greenville. During the games, arbor members were available to assist. All seniors had a fun time and thanked arbor members many times.

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Orchard Arbor (MI) hosted a rock-painting party for the local community. Members provided rocks, paint and brushes, along with ideas of inspirational messages to paint. The Kindness Rocks Project is receiving recognition around the world. The arbor has registered with the Kindness Rocks Project website to generate more visitors for their recent activity. They had over 168 children and adults participate in the event. Plank Road Arbor (MI) planned and hosted a Jazz on the Green event at the Plank Road Museum in Breckenridge, Michigan. The arbor presented two donations at the event: $250 to the Breckenridge Music Boosters and $750 to the Breckenridge Historical Society. Ice cream was served, and everyone had a great time.

Samaritan totals for 2016-17 Gleaner arbors and members serve their communities. The 2016-17 Samaritan year came to a close at the end of August, and the totals provide a glimpse into the ways our members are working to serve and donate. Whether through service projects or charitable giving, our members are making a difference in their local communities.

$476,495 was donated to communities

and local charities.

59,884 Gleaner members participated in arbor-related events.

11,294 guests or non-Gleaner members participated in arbor-related events.

1,132 meetings and activities were completed by arbors.

41,416 hours of volunteer service were performed by members.

One of the best things about Gleaner arbors is that they are run by our members. This allows Gleaner members to impact the specific needs of their communities, give to a wide range of organizations and choose how much time they volunteer. So, whether youâ€™d like to be involved a little or a lot, your Gleaner arbor has a place for you. Remember, even if you choose not to participate in your local arbor and prefer just to enjoy the benefits of your financial security and member benefits, your investment through Gleanerâ€™s life insurance and annuity solutions helps to improve communities and provide for those in need.

Did you find the wheat stalk? In this issue of Forum Magazine, the wheat stalk was hidden on Page 20, in the photo with the children.

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If there is not currently an arbor in your community, we can help you start one*. To learn more about starting an arbor, visit us online at www.gleanerlife.org/arbors, or contact the Community Engagement Department at 800.992.1894 or email communityengagement@gleanerlife.org. *Currently, there are Gleaner arbors located throughout Florida, Illinois, Indiana, Michigan, Nebraska and Ohio.

Forum Magazine \ Winter 2018 \

Recipe File Honey-Topped Pecan Breakfast Bread

Busy Lazy Day Stew

Marge Dick The Recipe File, Vol. 3, p. 212

Rosemary Haberlin, Hawthorne Arbor Betty Smith, Warren, Michigan The Recipe File, Vol. 3, p. 35

2 (8-ounce) packages crescent rolls 2 tablespoons butter, melted ½ cup sugar 1-2 teaspoons cinnamon ¼ cup pecans, chopped Bread Unroll dough and divide into 16 triangles, then brush with melted butter. Mix sugar, cinnamon and pecans. Roll each triangle in mixture, starting from the side opposite a point and rolling toward the point. In a greased 9-by-5-by-3-inch loaf pan, place eight rolls, point side down. Place remaining rolls on top of first layer. Bake at 325 degrees for about 45 minutes. Remove from pan and turn right side up. Prepare topping and drizzle over warm bread. Topping ¼ cup powdered sugar 2 tablespoons honey 2 tablespoons butter 1 teaspoon vanilla ¼ cup pecans

2 pounds lean beef stewing meat, cut in 1-inch cubes 3 tablespoons minute tapioca 2 teaspoons salt 2 teaspoons sugar 1 bay leaf Pinch of basil or thyme 1 medium onion, diced 1 stalk celery, diced or chunked 6-8 medium carrots, cut in 1-inch slices or strips 6-8 medium potatoes, peeled and quartered 1 cup tomato juice Spread meat in bottom of 3-quart baking dish. Do not brown. Mix tapioca and seasonings together and sprinkle over meat. Add vegetables and pour tomato juice over all. Cover tightly with foil and bake a minimum of four hours in very low oven at 250 degrees. Variations: Substitute 2-3 cups V8 Spicy Hot 100% Juice for the tomato juice. Use only 1 teaspoon salt.

Combine all ingredients except pecans in a small bowl. Heat, stirring until smooth and bubbly. Stir in pecans. Cool slightly, about 15 minutes, before drizzling over bread.

\ Winter 2018 \ Forum Magazine

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Korinne’s Korner Some days, it’s tough to turn on the TV and watch the news. Horrible images of individuals not following the Golden Rule: “Do unto others as you would have them do unto you.” Occasionally, we see glimpses of hope, when ordinary people do extraordinary things. It lifts me up and always brings a smile to my face that good people are out there in the world doing the RIGHT thing. We don’t need to foil a crime or stop a carjacking to make the world a better place. Small acts of kindness keep the earth spinning day to day. A favorite coffee mug hanging in our kitchen reads: “Be a Flamingo in a Flock of Pigeons” Oh, how I love that phrase! It reminds me to think outside the box (which doesn’t take much effort) and be willing to let the light shine on me. By greeting a stranger with a smile, holding a door open, assisting someone who can’t reach the high shelf at the grocery, or letting a car enter the flow of traffic — the list of possibilities goes on and on. Nothing earth-shattering, mind you, just plain kindness. As I always tell you, my friends and neighbors often function as my “test kitchen” when trying new recipes. However, my recipe for the new year is a tried-and-true one I found 25 years ago and now is an all-time favorite of Kevin, our kids and my buddies. So heat up the stove and get cooking!

Snickerdoodles 1 cup shortening (½ cup margarine; ½ cup Crisco) 1½ cups sugar 2 eggs 3 cups flour 2 teaspoons cream of tartar 1 teaspoon baking soda ¼ teaspoon salt Preheat oven to 400 degrees. Cream the shortening, sugar and eggs, then gradually add the rest of the ingredients. Shape into balls and roll in a mixture of ¼ cup sugar and 1-2 tablespoons cinnamon. Bake 10-12 minutes. ENJOY! Fraternally,

Korinne Marti, Wife of Gleaner President and CEO Kevin Marti

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Forum Magazine \ Winter 2018 \

Illinois

Michigan

Minnesota

Cheryl L. Heldt, Kankakee

Henry C. Inman, Lupton

Ohio

Thomas J. Harmon, Somonauk Taryn L. Irps, Bourbonnais

Elena M. Oetting, Chicago Nancy A. Wold, Earlville Iowa

Janice M. Hunter, Iowa City

Timothy D. Hillock, Grand Ledge Kathy A. Kidder, Marysville

Dianne M. Raleigh, Montrose Elton E. Swartz, Battle Creek Ronald M. Wood, Scottville

Diane M. Majors, Woodbury Miriam F. Davis, Bowling Green Bryan C. Lamp, Wadsworth Mary C. Maurer, Xenia

California Gail A. Barnes, Citrus Heights

Michigan

Tennessee

Jo Ann Kratochvil, Leesburg

Shirley E. Frandsen, Lakeview

Edgar D. Mitchell, Kingwood

Florida

Robert L. Smith, Lake Whales Georgia

James M. Peper, Tybee Island Illinois

Albert A. Bydalek, North Aurora Eldon Overright, Bradley Wayne R. Rork, Fairbury Indiana

Timothy Pratt, Lowell

Lavon A. Rhodes, Churubusco Anna L. Weimer, Auburn

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Margaret L. Archambeau, Tawas City Raymond L. Guiter, Schoolcraft Shirley A. Koehler, Kingston Alice Sproule, Omer

Gertie E. Hughes, Parsons Texas Virginia

Norman L. Kerber, Woodstock

Barbara L. Sullivan, Mount Pleasant Lloyd W. Wilson, Jr., Newaygo Ohio

Leo D. Barlow, Liberty Center Mary Echler, Delta

Fredrick Entenman, Edon

Larry C. Garner, Sugar Grove

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9.27.17 Dear Gleaner Life Insurance, Thank you for sponsoring the Fulton County Ag Fest this year. I’m a 3rd grade student at Fayette Elementary and I really had fun! I like the T-shirt and lunch. My favorite thing about Ag Fest was the baby pigs. They were making funny noise. I’m very glad we got to Ag Fest my class really learned a lot. Thanks again for sponsoring this year’s Fulton County Ag Fest. Sincerely, Enrique

Dear Black Swamp Arbor (OH), Thank you so much for the donation to the Building for Character Council and the Youth Leadership Center. We truly value organizations such as Kiwanis helping to promote youth leadership and development. The council will use the money for the youth organizations and maintaining a safe location for youth organizations in Paulding County to meet. Youth are the future and each youth organization has a focus on leadership and service to others, similar to your mission statement. Again, we value you as committee members and thank you for your time and service to our communities. You are each an example to our youth and citizens of Paulding County. Sincerely, Kristie Schweller Building for Character Council c/o OSU Extension of Paulding County

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Dear North Baltimore Arbor (OH), Thank you for sponsoring a 4-H camp scholarship. It was very kind of you to donate some of your money to help 4-H members experience camp. I was happy to hear that I received this scholarship. I couldn’t believe it! This will be my second year at camp. I am most looking forward to the cabin videos because last year I got to be Lumiere in “Be Our Guest” from Beauty and the Beast. Thank you again for your kindness. Sincerely, Elena Hemming 4-Leaf Clover Kids

Forum Magazine \ Winter 2018 \

HI, kids! Happy New Year! I hope you all enjoyed the holiday season by eating tasty cookies, building snowmen and celebrating

New Year’s with family and friends. Now it’s time for another year filled with more excitement. Did you make a New Year’s resolution? A resolution is like a personal goal. If you didn’t make one, it’s never too late. Here are a few ideas to get you started, followed by a fun word search. My resolution is to

BENNY

smile at everyone I meet, because that’s what a benevolent lion would do. Stay warm out there! Take care!

BENNY

The Benevolent Lion Word Search Generator :: Create your own printable word find worksheets @ A to Z Tea...

Page 1 of 2

This year I will ... Try something new.

Learn a new skill.

Travel to somewhere new.

MAKE YOUR OWN WORKSHEETS ONLINE @ WWW.ATOZTEACHERSTUFF.COM

Read a good book.

Visit a favorite place.

NAME:_______________________________ DATE:_____________

U M Y R V E P A R

C D O T L X Z G L E Y 44

E H R C C H D S B M X M

O S P O E N Q T Z H F F

W R L P L A F B V A A T

W D T O Y R A U N A J

N O I T A R B E L E C R M

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S L A O G A W C V F W C J L

S X A K S P R K W S F P P N E

C W Q T J K E T X E N D D R Q

W X B R F C A L E N D A R W

E Y L J K V T K K E Q D C

E B E G I N N I N G A

C C R O N A S M S E N S

T R E S O L U T I O N X

I G D B W O O B N V K N

O N T N R E I X O

CALENDAR CELEBRATION JANUARY REFLECTION RESOLUTION YEAR GOALS BEGINNING END NEW OLD

R U E G E W S R P I K www.gleanerlife.org

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

The easiest New Year’s resolution you’ll ever make ... A new year is a time for new beginnings. It’s a time for looking ahead, realigning strategies and creating new goals. But even great plans present challenges when the unexpected occurs. Life insurance can provide security for families during the most difficult and unforeseen times of change. This year, make a resolution to provide your family with life insurance protection. Make an appointment with your Gleaner agent to address your life insurance needs, or visit www.gleanerlife.org to learn about life insurance coverage with benefits to last year after year. We wish you a year full of health, happiness and prosperity in 2018.

Happy New Year from Gleaner Life!