Forum Magazine - Summer 2017

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Forum Magazine \ Summer 2017 \

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It is more blessed to give than to receive.

Acts 20:35

#giveandgrow Gleaner’s new Give and Grow program provides benefit members with grants of $250 to improve their communities through volunteer

@GleanerLife

service projects. These projects can be anything from cleaning up a local park to providing lunches for the homeless.

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.

Gleaner members ages 12 and above can apply for a $250 grant through our new Give and Grow program. Gleaner awards eight grants each month to members in our 13 licensed states.* Learn more on Page 26 or visit www.gleanerlife.org/giveandgrow.

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Contents Summer 2017

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26

Features

At a glance

14

News & reviews

Giving back

3

From the president

5

Welcome, new arbors

4

Flag Day recap

21

Active arbors by state

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58th Biennial Convention

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Arbors in action

Road trip to Traverse City

If your schedule allows, leave a little early and check out some fun stops on your way to Gleaner’s 58th Biennial Convention.

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Make memories that last

Amid your busy schedule, take time to create lasting memories with your family this summer.

26 Apply for a Give and

Grow grant

12 Gleaner Life Term Solutions Plus & Secure Life Plus

Interests

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The Gleaner mailbag

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Order children’s books

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50- and 75-year members

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Upcoming Gleaner events

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Korinne’s Korner

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Recipe File

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Benny’s page

Check out Gleaner Life's new Give and Grow program, which provides members $250 grants to improve their communities through service projects.

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 25 for the answer.

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Forum Magazine is made from soy-based ink products and is recyclable.

Make a small impact on conservation by recycling this publication or passing it on to a friend.

Forum Magazine \ Summer 2017 \

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FORUM Summer 2017 / V. 122 / No. 3 Officers and Senior Management Kevin A. Marti, FSA, CLU, ChFC President and CEO Jeffrey S. Patterson, FLMI Senior Vice President, Finance and Insurance Operations Daniel L. Gordon, FICF, CRPCÂŽ Senior Vice President, Distribution and Community Engagement D. Arell Chapman, CRISC Vice President, Information Technology Deborah K. Elliott, SHRM-SCP, SPHR Vice President, Human Resources and Administration Grier C. Edwards, MBA, FIC Assistant Vice President, Distribution and Marketing Michelle L. Horn Assistant Vice President, Community Engagement Michael J. Tunney, CFE, FLMI, AALU Assistant Vice President, Insurance Operations and Chief Underwriter Kaylene S. Warner, FLMI Assistant Vice President, Finance and Controller Board of Directors Suann D. Hammersmith, Chair Terry L. Garner, Vice Chair Donna K. Baker | Margaret M.S. Noe Daniel R. Sutton | Todd M. Warner Mark A. Wills | Frank Dick, Chairman Emeritus

Follow us on social media

for all the latest news and happenings!

Supreme Arbor Officers Connie Bland, Supreme Chief Gleaner Jeff Price, Supreme Vice Chief Gleaner Dick Hadden, Supreme Chaplain Norma Garner, Supreme Conductor Linda Ruehrmund, Supreme Guard National Headquarters 5200 West U.S. Highway 223 P.O. Box 1894 Adrian, Michigan 49221-7894 p 517.263.2244 or 800.992.1894 f 517.265.7745 www.gleanerlife.org forum@gleanerlife.org Hours Monday - Friday: 8 a.m. - 4:45 p.m. EST The Forum Magazine is produced quarterly at Gleaner’s Home Off ice by Alanna Cook, Grier Edwards, Daniel Gordon, Chuck Monahan, Salina Richards, Sarah Symington and Julie Tison.

For questions regarding this publication,

@GleanerLife

please email forum@gleanerlife.org.

Thoughts from the president

Dear Members: As we reach the middle of summer and 2017, we hope and pray you’ve had an enjoyable and safe Memorial Day and Independence Day with family and friends. We also hope we will soon get to see you, or have already seen you, at one or more of the new Gleaner Family Day events!

As our 58th Biennial Convention approaches, the important work of the Law and Nominating committees was completed on Sunday, May 21, at our Home Office in Adrian. The recommendations of these committees were presented to the Board of Directors and approved at the May 22 board meeting for the consideration of delegates during our convention business meeting. See the articles on Pages 6-12. We appreciate delegates’ consideration and support of the constitutional amendment being proposed and the approved slate of board candidates, consisting of our four current board members seeking re-election to new four-year terms.

Our Flag Day celebration on June 14 was a successful reminder of the need to honor our nation’s veterans, the defenders of our freedom, each and every day.

In mid-July, we plan to introduce our newly updated term life insurance and whole life insurance solutions for protecting your loved ones. Updated mortality tables allow lower reserves for these plans and lower premiums for new business going forward. We’ve also added a fully guaranteed, higher-premium term series for those who prefer such guarantees, while continuing to offer our lower-premium, 10-year initial premium guarantee version. As a member-based organization, we have never www.gleanerlife.org

increased premiums on an in-force term certificate to date, and we have no expectation of ever needing to do so. The higher premiums on the fully guaranteed rate plans merely reflect higher reserve requirements to formally provide the guarantee. See one of our Gleaner independent agents to secure this valuable life insurance protection and establish a solid foundation for your financial plans. We’d be pleased to help protect your loved ones either way!

Our new whole life solutions will offer more payment options for your convenience and budget-planning purposes. These options include a single-premium plan, 10and 20-year limited-payment plans and the traditional payto-age-100 lowest-premium option. All of these solutions offer guaranteed premiums and guaranteed cash values, plus the opportunity to receive annual dividends. These dividends could increase in the future above those projected at issue — most importantly, if interest rates ever increase!

See additional information on Pages 12-13.

We expect our 58th Biennial Convention at Grand Traverse Resort to be a wonderful celebration of fraternalism and Gleaner’s continued community engagement, financial strength and stability, benefiting all of our valued members. We hope to see you there!

Fraternally,

Kevin A. Marti President and CEO Forum Magazine \ Summer 2017 \

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Gleaner Life 31st Annual

FLAG 2017

DAY

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\ Summer 2017 \ Forum Magazine

celebrates Flag Day

2017

Gleaner Life Insurance Society held its 31st annual Flag Day on June 14, 2017, with more than 250 in attendance for the free event at Gleaner’s Home Office. Attendees celebrated the American flag and America’s devotion to patriotism, as they honored veterans and military personnel in service today. In addition to the ceremonial raising of the flag, veterans dressed in full uniform saluted the flag as community members recited the Pledge of Allegiance and sang “The Star-Spangled Banner.” Several state and national government officials attended and spoke. For the second year, Gleaner partnered with the Red Cross for a blood drive. Fifty-one units were collected — enough to save 150 lives.

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Welcome, new arbors!

Since 1894, Gleaner has given back to members’ communities through local service clubs, called arbors. These arbors complete service projects and give donations without the hassle of fundraising. Arbors also provide a sense of community, belonging and benevolence for our members.

Gleaner recently welcomed two new arbors: Buckeye City Arbor (OH) and Simply Giving Arbor (MI).

Welcome, Buckeye City Arbor!

Welcome, Simply Giving Arbor!

Buckeye City Arbor #798 was chartered March 20, 2017, and serves the greater Columbus, Ohio, area with a concentration in Westerville. Its first event honored veterans at the local VFW, and in June members plan to host a beautification project at Scotland Yard Condos, which serves those 55 and older.

Simply Giving Arbor #799 was chartered April 20, 2017, and serves the Port Huron, Michigan, area with a concentration in Marysville. Active Gleaner agents Steve Weingartz and Mark Dittman serve as mentors to this group. Members are currently working on their calendar of events. The members, who are in their 20s and 30s, have volunteered in the community since high school.

Their focus is on mentoring the younger generation with activities benefiting organizations such as Raising Hope Foundation, Everyday People’s Charity and the St. Clair Down Syndrome Support Group.

Officers include: •

President: Kelly Ferrell

•

Vice President: John Ferrell Sr.

•

Secretary/Treasurer: Pamela Hale

•

Reporter: John Ferrell Jr.

•

Chaplain: John Ferrell Sr.

Officers include: President: Keaton Weingartz Vice President: Kailey Weingartz Secretary/Treasurer: Kenzie Weingartz Reporter/Chaplain: Michael Dittman

Interested in volunteering with an arbor?

Find an arbor near you at www.gleanerlife.org/arbors. If there isn’t an arbor in your area, consider starting your own.

Details are available online, or contact the Community Engagement Department at communityengagement@gleanerlife.org.

www.gleanerlife.org

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Report of the

NOMINATING COMMITTEE The 2017 Nominating Committee of Gleaner Life Insurance Society met at the Home Office in Adrian, Michigan, on May 21, 2017. Present were: Norris Cutler, Crystal Lake Arbor, (Michigan); Dave Gerber, Flag City Arbor, (Ohio); Ryan Rowe, Madison Arbor, (Michigan); Sherri Thorp, USA Arbor, (Michigan); and Chairperson Dudley Dauterman, Portage Twp. Arbor, (Ohio).

The committee interviewed five prospective applicants for election to the four open positions on the Board of Directors at the upcoming biennial convention in Traverse City, Michigan.

The committee carefully considered the following seven rating criteria for each candidate: • Skills/expertise to benefit Gleaner Life Insurance Society • Business experience to benefit Gleaner Life Insurance Society • Corporate or nonprofit board experience • Strategic planning/visioning • Leadership experience • Community volunteerism/arbor experience • Personal values/attributes After completing the rating and evaluation process, the Nominating Committee unanimously voted that the four incumbent board nominees were the best qualified candidates, and recommended their names appear on the ballot to stand for election during the Saturday morning business meeting October 14, 2017.

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Meet the candidates for Gleaner’s Board of Directors

“Team member with a cooperative spirit: Goals can be achieved if you build on the strengths and skills of all those involved. I have had the opportunity to participate on several teams and have witnessed the interaction and motivation required for a team to be functional and productive and the great things that can be accomplished when people jointly utilize their talents.”

Donna K. Baker

“Commitment to community: I have a personal goal to always leave a place or organization better than before my involvement and to give back to the community whenever possible. I work to accomplish this through monetary donations, free financial services and volunteering.”

OCCUPATION AND PROFESSIONAL EXPERIENCE: • • • •

Managing partner | Donna Baker & Associates | 15 years CPA | Ernst & Young | Four years Associate professor of accounting Siena Heights University | 25 years Associate professor of accounting | Adrian College Two years

BOARD EXPERIENCE AND ELECTED POSITIONS: • • • • • •

Lenawee Christian School board | 15 years Lenawee Christian Ministries board | Five years Dover Township treasurer | 21 years United Bank and Trust board | Five years OSB Community Bank board | One year Gleaner Life Insurance Board | One year

EDUCATION: • •

Bachelor of Arts in Accounting | Siena Heights University Master of business administration | Michigan State University

Suann D. Hammersmith OCCUPATION AND PROFESSIONAL EXPERIENCE: • • • •

President and CEO | Lenawee Community Foundation 2000- present President | J&S Auto Sales | 2008-present Executive director | Lenawee United Way | 1990-2004 Executive director | Cystic Fibrosis Foundation of Northwest Ohio | 1984-1990

COMMUNITY INVOLVEMENT:

BOARD EXPERIENCE AND ELECTED POSITIONS:

• • • •

Current • Gleaner Life Insurance Society I Board member since 1997, chair 2013-present, vice chair 2002-2007, and chair of governance committee 2006-present • Lenawee County Education Foundation • Nonprofit board service since 1984

Clayton United Methodist Church Lenawee County Farm Bureau 4-H Kiwanis

DESCRIBE YOUR TOP THREE PERSONAL ATTRIBUTES OR VALUES THAT WOULD MAKE YOU AN EXCELLENT DIRECTOR OF THE SOCIETY. “Strong work ethic: I was raised on a dairy farm. My family and I spent many long days working together to accomplish the tasks that were vital to the survivor of the family farm. I learned at a very young age the rewards of hard work and the value of dedication and determination. Today, I live on a dairy farm, where my husband and I work to instill these values in our children.”

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Past • Lenawee Chamber of Commerce | Leadership Lenawee co-facilitator • Lenawee Human Services Council | Executive board member and treasurer • Lenawee Collaborative Community Planning board • Zonta International Club of Lenawee | Past president • Rotary Club of Adrian Morning | Past president, board member and community service chair • Lenawee Interclub Council | Past president Forum Magazine \ Summer 2017 \

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• • • • •

Lenawee FEMA board | Past chair Toledo Agency Directors Association (Ohio) | Past chair Athena Lenawee United Way of Michigan United Way of America, Mid-America Regional Council

EDUCATION: • • • • • •

Bachelor of Arts in English and Education | Western Michigan University Graduate studies in nonprofit leadership administration Western Michigan University Master of Nonprofit Management | Regis University Certified senior advisor Certified fundraising executive International Association of Fundraising Professionals Certified faculty member and master teacher

COMMUNITY INVOLVEMENT: • • • • • • •

Gleaner South Fairfield Arbor I President since 2007 Lenawee County Education Foundation Scholarship committee Lenawee College Access Network I Executive committee and treasurer Rotary Club of Adrian Morning Lenawee Collective Impact Core A founder of VOLUNTEER Lenawee!

Weekend Snack Sack coordinator serving six schools in grades K-8

DESCRIBE YOUR TOP THREE PERSONAL ATTRIBUTES OR VALUES THAT WOULD MAKE YOU AN EXCELLENT DIRECTOR OF THE SOCIETY. •

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“Integrity: I believe that the most important attribute of a board member on any board is integrity, and I strive to live my life so that it reflects ethical behavior.

Trust is my most precious asset and is critical to the Board of Directors as we secure the financial security of our members.”

Margaret M.S. Noe OCCUPATION AND PROFESSIONAL EXPERIENCE: • • •

Chief circuit court judge | Lenawee County, Michigan 2008 – present Adjunct professor | Siena Heights University | 1995 – present Chief probate court judge | Lenawee County, Michigan 2005-2008

BOARD EXPERIENCE: • • • • • • •

Siena Heights University | current board president Bank of Lenawee Bixby Medical Center Sage Advisory Board Montessori Children’s House St. Joseph’s Academy Sexual Awareness Protection Center Catholic Social Services | Board president

EDUCATION: • •

Juris doctor | Detroit College of Law, Michigan State University | 1983 Bachelor of Arts in Psychology and Theology Siena Heights University | 1975

COMMUNITY INVOLVEMENT: •

Student mentor at Siena Heights University and Adrian College Housing Help of Lenawee Adult Drug Court | Coordinator Ladies Ancient Order of Hibernians Athena YMCA

•

“Work ethic: I work hard and give 100% to all everything I do. I am loyal to the organizations with which I have a connection – my work, my Gleaner board position and others – and will work hard to demonstrate that dedication.”

• • • • •

•

“Caring: I care about others, and exemplify this through giving of my finances, skills and time. I care about Gleaner Life and demonstrate this through my commitment to the Board of Directors and my arbor.”

DESCRIBE YOUR TOP THREE PERSONAL ATTRIBUTES OR VALUES THAT WOULD MAKE YOU AN EXCELLENT DIRECTOR OF THE SOCIETY.

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“Christian values: I have had the good fortune to be raised with strong Christian values from birth.

I was raised with the same values I saw exemplified throughout my life in my home. I was raised in the middle of eight children in a small community in www.gleanerlife.org

Illinois. I witnessed honesty and integrity in our home.

We learned diversity at the breakfast table and to refrain from judging others. We were loved and taught the advantages that accompany forgiveness of self and others. Those same values are present in my husband and my home today. Our children and grandson are exposed to the benefit of Christian values. I have found this to be a way of life, not just a style of living, and it has helped at every stage of my life.”

•

•

“Work ethic: I have always worked. I started at age 12 as a babysitter. I continue to work to this very day, now serving as Chief Circuit Court Judge. I have enjoyed every job I had. I have always preferred to persevere – giving up was just not an option for me.

I respect workers. I appreciate jobs of all nature and understand how significantly our work plays a part in our self-respect and value. It is this same work ethic that promotes me to seek and maintain a high level of skill and strong desire to serve as a board member on Gleaner’s Board of Directors.”

“Life experiences: I have always welcomed adventure and new experiences in my life. I look for activities that challenge my mind and capacity. Serving as a member of Gleaner’s Board of Directors has given me the pleasure and benefit of hard work, exercise of my Christian values and the contentment that comes from serving others. I take my duties and responsibilities seriously. It is this that I bring to Gleaner’s Board of Directors.”

BOARD EXPERIENCE AND ELECTED POSITIONS: • Gleaner Life Insurance Society | Board Member, one term • Compass Recovery Systems (mental health and substance abuse facility) | Finance committee • LifeStar Ambulance | Board member • Zion United Methodist Church Chair Administrative Council EDUCATION: • Bachelor of Business Administration, major in accounting Adrian College | 1986 • Certified public accountant (inactive) | 1988 COMMUNITY INVOLVEMENT: • Zion United Methodist Church | Lay leader • American Heart Association | Participant in various fundraising activities through MHP • Multiple Sclerosis Society | Participant in various fundraising activities through MHP • Feed Your Neighbor food drive | Volunteer through Zion United Methodist Church • Glass City Marathon | Volunteer through MHP DESCRIBE YOUR TOP THREE PERSONAL ATTRIBUTES OR VALUES THAT WOULD MAKE YOU AN EXCELLENT DIRECTOR OF THE SOCIETY. •

“Honesty and integrity: I believe that honesty and integrity are the most valuable traits that a person can have. As an accountant, auditor or for any leader, these are the values that must be upheld in all circumstances. As an accountant, your integrity is your primary redeeming trait. Good news must be delivered and people must be recognized for their good work.

Bad news must also be communicated so that all can be held accountable and lessons can be learned.”

•

“Hard work: I believe that there is no substitute for hard work. The one thing that makes something easy is great effort and if something is worth doing, then it is worth doing right. I owe much of my success to being instilled with a work ethic that often surpassed my peers. I am blessed to have spent my career with an organization that makes these efforts worthwhile.

I bring this same passion to my service as a Gleaner board member.”

•

“Respect: I believe that respect for one another is the third key attribute that one must have in order to be successful. Regardless of status, age, race or sex, I endeavor to treat all with respect. All people bring a perspective to any problem that needs to be solved.

To not respect all of those perspectives would mean that the best solution to a problem may not be found.”

Todd M. Warner

OCCUPATION AND PROFESSIONAL EXPERIENCE: • Chief Operating Officer | Mercy Health Physicians North (MHPN) | One year (current position) • Chief Financial Officer | MHPN | Three years • Regional Chief Financial Officer | Mercy Health Partners (MHP) | Four years • Metro Chief Financial Officer | MHP | Three years • Regional Director of Financial Planning | MHP | Three years www.gleanerlife.org

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Report of the

LAW COMMITTEE The 2017 Law Committee of Gleaner Life Insurance Society met on May 21, 2017 at the Home Office in Adrian, Michigan. The committee was comprised of: • • • • • • • •

Bill Warner, Heart of Florida Arbor, FL, Co-Chair Dave Sutton, Hawthorne Arbor, IN, Co-Chair Frank Dick, Adrian Arbor, MI Kathi Dunlap, Riley Creek Arbor, OH Norma Garner, South County Arbor, IN Margaret Noe, Maple City Arbor, MI Jeff Price, West Lockport Arbor, IL Sandra Witt, South Fairfield Arbor, OH

Also present was outside counsel to the Law Committee Darrell Lindman.

The Law Committee discussed the changes to the Constitution shown below. These changes are 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. Those recommendations were to improve our nominating and election processes in a manner that would assist in seeking and identifying board members who have diverse and appropriate levels of business backgrounds.

The changes identify the role and responsibility of the Nominating Committee. They also require board candidates to complete and submit to Gleaner Life not less than six months prior to the Convention a Board of Directors Application Form, which will be created by the board. The changes also require board candidates to comply with the current Nomination Process Policy established by the board, which includes the interview process with the Nominating Committee. The change also require board candidates to consent to a background check, a requirement to which Gleaner Life employees and Arbor officers are already subject. The changes preserve the ability of any member to run for the Board of Directors from the floor of the Convention going forward, as long as the candidate goes through the application, interview, and background check processes established by the Board of Directors.

The Law Committee recommended approval of the Constitutional changes to the Board of Directors, and the Board of Directors approved these changes for consideration and approval by the Supreme Arbor of the Society, as outlined on the following page.

Existing verbiage Section 3 of Article 2 Sec. 3. The Board shall appoint a Nominating Committee. The report of the Nominating Committee shall be received and reviewed by the Board, which shall place such names as are approved in nomination before the Supreme Arbor. Nominations may also be received from the floor.

Section 5 of Article 2 Sec. 5. Any benefit member who is currently in good standing in the Society for a period of at least two consecutive years and is not less than twenty-one years of age shall be eligible to be elected to the Board of Directors, provided, however, that no person who was a licensed life insurance agent of any company, including a fraternal benefit society, or an employee of the Society at any time during the four-year period preceding an election shall be eligible to be elected to the Board of Directors.

Proposed revision Section 3 of Article 2 Sec. 3. The Board shall appoint a Nominating Committee and a Chair of that Committee. The Nominating Committee is an ad hoc committee consisting of not less than five benefit members who are in good standing and who are not currently serving as members of the Board of Directors. A duly appointed Nominating Committee shall serve solely with respect to the meeting of the Supreme Arbor for which it is appointed. The Nominating Committee is charged with carrying out those duties assigned to it in the Nomination Process Policy established by the Board of Directors, including issuing a report to the Board of Directors setting forth the Committee’s evaluation of which of the persons seeking nomination to the Board meet the Director Qualification Guidelines established by the Board of Directors, with attention paid to how each candidate’s qualifications, expertise and experience meet and promote the needs of the Society in those business areas required by regulatory authorities and applicable law. The report of the Nominating Committee shall be received and reviewed by the Board of Directors, and the Board shall place such names as are approved by the Board in nomination before the Supreme Arbor. The Board may nominate more qualified benefit members for election to the Board at the Supreme Arbor than there are open positions on the Board. Nominations for Director may also be received from the floor of the Supreme Arbor, but only with respect to benefit members who have met all of the requirements of Sections 2 and 5 of this Article 2.

Proposed revision of Section 5 of Article 2 Sec. 5. Any benefit member who is currently in good standing in the Society for a period of at least two consecutive years, is not less than 21 years of age, has not attained age 72 at the time of the election, and who satisfies all of the requirements of this Section 5 shall be eligible to be elected to the Board of Directors, provided, however, that no person who was a licensed life insurance agent of any company, including a fraternal benefit society, or an employee of the Society at any time during the four-year period preceding an election shall be eligible to be elected to the Board of Directors at that election. In addition to the foregoing requirements, to be eligible to be elected to the Board of Directors at a meeting of the Supreme Arbor, the benefit member must have (i) completed the Board of Directors Application Form, as established by the Board from time to time, and delivered such completed form to the Secretary of the Society (addressed to the Secretary at the Society’s home office) not less than six months prior to the meeting of the Supreme Arbor to which it relates, (ii) complied with the terms of the then-current Nomination Process Policy established by the Board of Directors applicable to the forthcoming election, including the interview process with the Nominating Committee, and (iii) consented in writing to a background check on terms established by the Board of Directors from time to time and set forth in the Board of Directors Application Form.

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Forum Magazine \www.gleanerlife.org Summer 2017 \ 11

Keeping life insurance affordable Gleaner stays at the front of the race with new product pricing People are living longer, which means life insurance is becoming more affordable. On July 10, Gleaner Life Insurance Society relaunched several products with new pricing based on 2017 CSO tables. The new pricing on these products reflects Gleaner’s commitment to helping members affordably protect their loved ones.

Read on to learn about the updates to these Gleaner products.

Gleaner Life Term Solutions Plus Launched in 2013, Gleaner Life Term Solutions help safeguard your dreams with a wide range of term life insurance options. Gleaner Life Term Solutions Plus now offer even more options:

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•

Gleaner Life Value Term: The most economical term life coverage offered

by Gleaner.

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Gleaner Life Family Term: Affordable term life coverage for your whole family.

•

Gleaner Life Duration Term: Up to three term life certificates of varying durations, so cost decreases as the need for coverage decreases.

•

Gleaner Life Succession Term: Financial security for you and your business partners.

www.gleanerlife.org

All Gleaner Life Term Solutions feature a 10-year guarantee, while Gleaner Life Value Term, Duration Term and Succession Term now also feature a full guarantee.

Ten-year guarantee: By guaranteeing your premium rate for 10 years, we can offer more affordable coverage than with a full guarantee. We hold to the promise of every Gleaner certificate and plan to keep your premium rate level throughout the length of your term.

Full guarantee: With the full guarantee, you will never have to pay a penny over the premium rate established when you purchase your term life insurance certificate.

Premium rates will be higher than with our 10-year guarantee.

Another exciting addition to Gleaner Life Term Solutions Plus is the conversion premium credit. If you convert your term life coverage to permanent life insurance during certain certificate years, Gleaner will credit a portion of premiums paid in the preceding calendar year to the cash value of your new certificate.

Ten-year pay: With 10-year pay, you only pay premiums for the first 10 years of your certificate’s life. This generally results in higher premiums, but it means you will have permanent coverage until age 120 in exchange for the 10-year payment period.

Twenty-year pay: With 20-year pay, you only pay premiums for the first 20 years of your certificate’s life.

Premiums will generally be more affordable than 10-year pay but higher than paid up at age 100. Your coverage will be permanent and will remain in force until age 120.

Paid up at age 100: This is the most traditional way of purchasing whole life insurance. Premiums are payable to age 100, but due to the long payment period, premiums will generally be lower than 10- or 20year pay.

www.gleanerlife.org

Visit us online at www.gleanerlife.org to learn about life insurance considerations for every stage of life. You can also contact your licensed Gleaner agent, listed on the back of this publication, or find an agent on our website.

Gleaner Life Term Solutions Plus form number ICC17-LGTERM (10-year guarantee) and ICC17FGTERM (full guarantee) with state-specific variations; Secure Life Plus form number ICC17WL 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. This article 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.

Even more, Secure Life Plus now offers Gleaner’s Living Benefit Riders, allowing you to take an early payout of the certificate’s death benefit in the event of a chronic, critical or terminal illness.

Secure Life Plus Gleaner has completely revamped its classic whole life solution. Secure Life Plus offers all of the benefits of whole life insurance, including cash value, dividends and level premiums. It also offers three ways to fund your whole life insurance certificate, giving you the freedom to select the plan that works best for your financial needs.

Which type of life insurance is right for you?

Did you

know?

You can use single-premium whole life insurance to leave a financial gift to a charitable organization of your choosing.

Learn more about our newly priced Endurance Life, RMD Life and Legacy Life single-premium whole life products online at www.gleanerlife.org.

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Road Trip to Traverse City

As you plan your trip to Traverse City for the 58th Biennial Convention, and if your schedule allows, try leaving a little early to check out some fun stops along the way.

From the west If you’re coming from Illinois or parts of northern Indiana, your drive will include scenic views of Lake Michigan.

Stop and look at a lighthouse or two, and take a stroll along the sandy beaches of Lake Michigan. The city of St. Joseph, Michigan, features Tiscornia Park and Pier. Farther up the coast, you’ll find Warren Dunes State Park along Lake Michigan’s shoreline. The dune rises 260 feet above the water.1 In South Haven, Michigan, visit Sherman’s Dairy Bar for some ice cream and see Blue Moo the Cow and Baby Blue.

Stop for lunch at one of Grand Haven’s boardwalk restaurants, which include Snug Harbor, Righteous Cuisine and Pronto Pup.

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www.gleanerlife.org

Other fun spots in southwest Michigan include: •

Dewey Cannon Trading Company & Three Oaks Bicycle Museum, an 1850s storefront in a historic train depot in Three Oaks.

•

Children of all ages can stretch their legs on the miniature golf course or play in the arcade at Hidden Pointe in Benton Harbor.

•

Pick apples and sample cider at Dan’s U-Pick’em & Farm Market in Hartford.

From the east Coming from northeast Ohio and parts of southeast Michigan on U.S. 23, your trip will take you through Ann Arbor, Michigan, where you can spend an hour or two at the Ann Arbor Hands-On Museum exploring many exhibits that make learning fun.

A little off the beaten path, visit the giant carrots at Food Gatherers at 1 Carrot Way in Ann Arbor, where you can snap some photos next to huge carrots.2 If taking Interstate 75 is your most direct path, stop in Detroit to visit The BELT Alley, which features street art along the alley between East Grand River and Gratiot avenues. You might also try coney dogs for lunch. Choose between American Coney Island and Lafayette Coney Island, or try both. The two competitors are neighbors on Lafayette Boulevard and have been featured on the Travel Channel’s “Food Wars.”

If you need to stretch your legs farther north, try the West Branch Rest Area 433 off I-75. This spacious rest stop features beautiful trees and a walking path perfect for recharging for the rest of your journey.

A little further on, check out the scenic hiking trails in a forest setting at Hartwick Pines State Park in Grayling.

From the south Stop by Michigan’s capital, Lansing, for lunch at DeLuca's for pizza and Italian food. Afterward, swing by “The Worker” sculpture near the corner of Cedar and Shiawassee streets for a photo op. This artwork features a 22-foot-tall metal figure of a man carrying a toolbox and wearing a hard hat.3 October is the perfect time to visit Uncle John’s Cider Mill in St. Johns, Michigan.

Rolling through Clare, stop by Cops & Doughnuts for delicious baked goods, coffee and fun photos against a mug shot backdrop.

Interested in specialty shops? Try Toy Town in Cadillac, which features unique toys that can’t be found at bigger stores.

If you get into Traverse City early, take a drive north on U.S. 31 about 76 miles to Harbor Springs. On a 16-mile stretch of M-119 between Harbor Springs and Cross Village, you can enjoy the scenic beauty of the Tunnel of Trees. This Scenic Heritage Route roadway follows an ancient American Indian trail overlooking Lake Michigan.4 If you arrive early and want to stay close, there's plenty to do: •

Stroll along Lake Michigan in the heart of the city.

•

Visit one of the nearby wineries.

• • •

Shop downtown Traverse City.

Explore Sleeping Bear Dunes.

Enjoy a meal at one of the city’s many restaurants, or check out the local food trucks, typically found on Front Street.

Be sure to share your photos along the way and tag @GleanerLife. www.michigandnr.com/parksandtrails/Details.aspx?id=504&type=SPRK www.roadsideamerica.com/tip/49817 www.freep.com/story/news/local/michigan/2015/08/27/sculpture-lansing-honors-workers/32473719 4 mynorth.com/2016/05/m-119s-tunnel-of-trees 1 2 3

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50-year members Arizona­­­­ Donald Buchanan, Phoenix Florida Marcia Bowser, Naples Nancy J. Hanen, Haines City Illinois Pamela L. Lottinville, St. Anne Hugh E. Van Voorst, Union Hill John L. Wieliczko, Bourbonnais Indiana James D. Hart, Fremont Deanne Hoffman, Huntington Doyle M. Kolberg, Syracuse Terri J. Smith, New Carlisle Michigan Sue A. Berridge, Otter Lake Shirley A. Camburn, Paw Paw Roger S. Caris Jr., Hastings Rosetta M. Jeffrey, Belding David C. Loeding, Snover

Dear Adrian Arbor (MI), On behalf of the Civil War Monument Restoration Committee, I would like to express our sincerest appreciation for the monetary donation of $500. Your generosity will truly help in the extensive restoration we are planning for the monument and park. Thank you!

Amee and Alycia Hudson-Gray Karol “KZ” Bolton David Loop Gary Holmes

Jesse L. McGregor, Rose City June M. McGregor, Rose City Vanessa Mockridge, Sumner Cheryl L. O’Brien, Durand Craig L. Olmstead, Galien Raymond J. Russell, Deckerville Joyce M. Schulte, Lenox James M. Swanchara, Saint Johns

Illinois

Ohio Richard D. Nelson, Mount Gilead

Clair O. Iffland, Ottawa Lake Patricia L. Marshall, Farwell Marilee Metters, Lansing Verner O. Shlicker, Sanford Clinton V. Stein, Evart

New York John L. Wright, Jamesville Texas Roger C. Ansted, Richmond

John J. Grosso Jr., Kankakee Norma M. Roe, Lansing Michigan Harold V. Birgy, Lake Aletiza Bowles, Osseo Cassel H. Box, Midland

Washington Joseph W. Kulick, Everett

Ohio Dorothy M. Adams, Portage Judith D. Kramer, Powell Patsy M. Yaichner, Napoleon

75-year members

Tennessee

Florida

John E. O’Connell, Clarksville

Janice K. Bell, Sarasota Charles T. Fleming, North Port

Dear Bay Area Arbor (FL) members,

Dear North Baltimore Arbor (OH) members,

Thank you for your heartfelt gifts that total $610 to support our American heroes and the guide dogs and service dogs that enrich their lives in such meaningful ways. Our dogs restore freedom, independence and hope to veterans with visual impairments and those living with post-traumatic stress disorder. As we honor their journey to independence, we are inspired by their sacrifice, service and perseverance. And we’re thankful that you have chosen to stand with us as we stand with them.

We wanted to thank you so much for planning and coming in for the bingo activity. We really appreciate all the time and effort you put into the prizes.

The students loved all of it.

The Kindergarten Team at Powell Elementary

We provide all of our faithful, intelligent dogs to veterans at no cost, and your gift helps make it possible. What a considerate, rewarding way to honor our military men and women! We are very grateful.

Warm regards,

Titus Herman Chief Executive Officer Southeastern Guide Dogs

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You can purchase children’s books today at a discounted price!

Gleaner is offering you the opportunity to purchase The Giving Book and The Nickels, Dimes and Dollars Book at a special discounted price. As a Gleaner member, you can purchase them for just $10 per book. All proceeds will be donated to the Gleaner Life Insurance Society Scholarship Foundation.

The Giving Book: Open the Door to a Lifetime of Giving Limited Quantities Available The Giving Book is fi lled with activities that help children think about their hopes and dreams for the world. Th is book will let kids decide how they want to use their time, kindness, talents and money in order to make a difference.

The Giving Book: Limited Quantities Available

The book is appropriate for children ages 6-11 and provides hands-on activities, a journal and scrapbook that will help inspire them as they record their journey of giving and charity.

The Nickels, Dimes and Dollars Book: A Wise Kid’s Guide to Money Matters The Nickels, Dimes and Dollars Book will help kids make smart decisions about how to spend, share, save, earn and grow their money. The more they learn to manage money, the more it can help them to create a comfortable and meaningful future.

Th is activity book is a conversation starter and an educational tool that inspires children to develop valuable skills and healthy habits that can support their well-being and fi nancial futures. Appropriate for ages 6 and up.

To purchase books …

To purchase books, complete the order form below and mail it along with your check to the address shown. For more information, contact the Marketing Department at 800.992.1894 or email forum@gleanerlife.org.

The Giving Book and The Nickels, Dimes, and Dollars Book were written by Ellen Sabin and published by Watering Can® Press.

Watering Can® is committed to creating and distributing books and other products that nurture and inspire children as they grow into their roles as healthy, kind, confident and giving world citizens. For more information, visit wateringcanpress.com.

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Please make check payable to: GLIS Scholarship Foundation

Mail to: Gleaner Life Insurance Society, Attn: The Giving Book, P.O. Box 1894, Adrian, MI 49221

BILLING ADDRESS

SHIPPING ADDRESS

Your Name: _______________________________

Name: ____________________________________

Address: __________________________________

Address: __________________________________

City/State: ________________________________

City/State: ________________________________

Zip: ______________________________________

Zip: ______________________________________

Phone: ____________________________________

Phone: ____________________________________

Email: ____________________________________

Email: ____________________________________

 Same as Billing Address

# of The Giving Book: _______ # of The Nickels, Dimes and Dollars Book: _______ x $10.00 (each) = $ _______ Please allow 2-4 weeks for shipping.

(Total Amount Enclosed)

Make memories that last Take the trip. Read the book. Stay for the final pitch.

It’s so easy to get to the end of a month and ask yourself how another 30 days flew by as you turn the calendar page. Take that moment to schedule time to make memories. Go ahead. Mark it right on your calendar. Here are some fun, simple ways to create memories that last this summer.

GO FISHING. There’s nothing like the thrill of hooking a fish, reeling it in as it fights to break free and then posing with your catch. It’s a tradition for generations to pass down and a wonderful way to get youth interested in nature. Read some fishing advice on the next page from Denny Tison, member and employee of Michigan’s Department of Natural Resources.

TAKE A BIKE RIDE. Grab your helmet and hit the road. Enjoy feeling the wind blow through your hair as you allow time to enjoy the simpler pleasures of life. On the next page, Gleaner agent, president of Fallen Timbers Arbor (OH) and avid bicyclist Jerel Fish shares some tips on staying safe on your bike rides.

GOLF. There is something gratifying when your club hits the ball just right and you pause to watch it soar toward the hole.

No matter what your skill level, take an afternoon and enjoy some time on the greens. Take your friends, your spouse or your children, and enjoy hitting and putting your way through nine or 18 holes.

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ATTEND A BALLGAME. In America, baseball is a staple for summer. While the game is slower in nature, there’s often a variety of entertainment to keep the kids interested. And there’s something special about stadium hot dogs, peanuts and other refreshments. There’s sure to be a minor or major league team within driving distance, so find a field, purchase your tickets and make some great memories.

GO CAMPING. Load up your vehicle with your tent, sleeping bag, cooler, flashlights and all of the other necessities and enjoy God’s creation. There are so many state parks where you can stay for a nominal fee and enjoy hitting the beach or hiking. Don’t forget to pack your roasting sticks so you can roast marshmallows over the fire as the sun goes down. For a chance to win a Yeti cooler to take on your camping trips, email forum@gleanerlife.org.* GO TO THE BEACH. Load up on sunscreen, grab your sunglasses and oversized beach towel along with refreshments, and head for your nearest beach. If you have children, don’t forget the sand toys and life jackets. It might be a good idea to pack as much as you can the night before. Even though loading everything up and toting it out to the beach can take time and effort, the memories you make as your kids splash in the waves and build sand castles will prove to be more than worth it.

FLY A KITE. Pick a day with wind speeds between four and 20 miles per hour. Find an open field or space like a beach or park. Launch your kite and look in awe as it takes flight. This simple yet memorable activity is a fun way to make memories with your children, nieces and nephews or grandchildren.

ENJOY A PICNIC AT THE PARK. Dig out that picnic basket you got for your wedding (canvas bags and small coolers also work well), and pack your favorite finger foods. Be sure to grab a blanket and maybe a Frisbee for an afternoon of relaxation free from electronics and the demands of housework.

After you’ve made these memories, you might just find yourself thinking about how great this month was as you flip the calendar to the next month. *To enter Gleaner’s Yeti cooler giveaway, email your name and phone number with “Yeti cooler giveaway” in the subject line to forum@gleanerlife.org no later than Aug. 31, 2017. View the full list of rules at www.gleanerlife.org/giveaway.

www.gleanerlife.org

As a wildlife biologist for Michigan’s Department of Natural Resources, Denny Tison has spent time studying animals and their habitats, but a lot of his fishing advice comes from personal experiences. Some of his earliest memories involve fishing with his dad and grandfathers, and today he continues that tradition with his own children: Emma, 7, Colt, 5, and Rhett, 1.

But fishing doesn’t have to be reserved for experienced anglers. Tison offers some advice for anyone interested in this time-tested pastime:

ds

Fishing with the ki

“If you don't have a boat, look for public-access sites with fishing piers and platforms. In Michigan, you can easily find family-friendly lakes by visiting www.michigan.gov/dnr and clicking on the fishing tab. From there, click on “family-friendly fishing waters.” This link will take you to a map where you can locate lakes by county.

If you’re fishing with children, use a bobber and leaf worm on the hook for bait. This is the ideal setup to catch panfish.

You’ll catch more panfish than bass to keep kids entertained.

Once you’re at the lake and your pole is set, look out at the water and try to zero in on weed edges, where fish are more likely to gather. Cast your line and keep an eye on the bobber. When you see it move, pull back and begin reeling in your catch.

To fish in Michigan, you must purchase a license if you are 17 or older. Youth 16 and under can fish for free. You can purchase a license online or anywhere you can buy bait, including some convenience stores statewide.

One final piece of advice: Pack snacks and drinks for the kids, so you can stay out on the lake longer making memories.”

Jerel Fish enjoys riding bikes and organizing rides. Fish and Fallen Timbers Arbor (OH) helped organize a group bike ride on May 10 for National Bike to School Day. He offers some great tips for riding this summer: “Riding bikes together is a great way for families (and arbors) to bond outdoors, and it makes exercise fun for all. There are parks and trails to explore, trips to the local ice cream shop and limitless adventures to enjoy on two wheels.

Bike Ride-2016

Young children can gain confidence and build riding skills by practicing in an empty parking lot, then moving up to ride on flat, paved trails away from traffic. You can search for local trails using the Rails to Trails Conservancy’s website, www.traillink.com.

Plan rides around a fun experience like a picnic or visit to a point of interest. Always keep safety in mind. Helmets are a must when riding in traffic or on rugged off-road terrain like mountain trails. Helmets should fit snugly, level and low on the forehead, with no more than two fingers between chin and chin strap. Be sure to set a good example for the kids by wearing your helmet, too.

Before you venture out on the open roads with traffic, be sure everyone is familiar with basic safety rules and traffic laws. Find more resources for road safety, bike laws by state and other tips at The League of American Bicyclists’ website, bikeleague.org.

Many local bike shops and community groups organize “slow rolls,” which are typically slow-paced rides of six to 12 miles that are comfortable for all ages and levels of experience. Riding in large groups increases safety on the roads and is a great way to make new bike-riding friends. Search Google or Facebook for “your town” and “slow roll,” and you’ll probably come up with a few groups. These types of rides also make a great, family-fun arbor activity. ”

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Upcoming Events Gleaner Family Days There is still a chance to join in the fun at our new Family Days, where members will enjoy discounted ticket rates up to 60 percent off and a complimentary lunch. For more information and to register visit www.gleanerlife.org/familydays. We look forward to seeing you this summer!

Saturday, August 12 Michigan's Adventure Muskegon, Michigan

Saturday, August 19 Detroit Tigers baseball game Detroit, Michigan

Gleaner Day at Greenfield Village (Dearborn, MI) | Oct. 7 58th Biennial Convention (Traverse City, MI) | Oct. 13-15 Gleaner’s Family Safari to Kalahari (Sandusky, OH) | Nov. 10-11 Did you find the wheat stalk?

In this issue of Forum Magazine, the wheat stalk was hidden in the Flag Day photos on page 4.

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Arbors in Action

With 64 arbors spanning five states, we’re proud to provide small ripples of hope through the volunteer efforts of our arbor members. Interested in joining an arbor to make a difference in your community? Visit www.gleanerlife.org to learn more.

Florida

Grand Arbor #733

Greater Flint Area Arbor # 766

Harmony Arbor #273

Heritage Arbor #771

Lakeshore Arbor #786

Huron Shores Arbor #781

Marion Arbor #397

Mid Michigan Arbor #789

Mt Pleasant Arbor #437

Orchard Arbor #794

Nebraska

North Central Arbor #791

Saginaw Arbor #767

Gleoma Arbor #731

Plank Road Arbor #779

Simply Giving Arbor #799

Rivertown Arbor #773

Tri County Arbor #768

Bay Area Arbor #763 Gulf Coast Arbor #782 Heart of Florida #783

Illinois Sulphur Springs Arbor #628

MichganSouthern

West Lockport Arbor #688

Adrian Arbor #3

Homer Twp Oak Arbor #787

Indiana Center Township Arbor #111 Community Arbor #769 Hawthorne Arbor #278 Mill Creek Arbor #418 Ober Arbor #477 Rolling Prairie Arbor #557 South County Arbor #761

Michigan Northern Alma Arbor #10 Crystal Lake Arbor #138 Entrican Arbor #184 Floyd Arbor #206

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USA Arbor #788 Vulcaneer Arbor #784 White Pine Arbor #795

Capital Arbor #772

Ohio

Legacy Arbor #764

Black Swamp Arbor #780

Madison Arbor #741

Bowling Green Arbor # 778

Maple City Arbor #777

Buckeye City Arbor #798

South Fairfield Arbor #607

Chester Arbor #121

Stateline Arbor #643

Emerald Echo Arbor #742

Tecumseh Arbor #760

Fallen Timbers Arbor # 792

Michigan – Thumb

Findlay Flag Arbor #739 Florida Arbor #205 Harrison Arbor #275

Bavarian Arbor #762

Holland Arbor #290

Birch Run Arbor #776

North Baltimore Arbor #461

Caro Arbor #106

Oakwood Arbor #759

Glen Arbor #237

Portage Center Arbor #524

Grand Blanc Arbor #790

Riley Creek Arbor #797

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Spreading hope and service through Youth Action Day activities Educating youth about the importance of serving others continues to be the driving force behind annual Youth Action Day activities. Several arbors organized activities during spring 2017. Here are three examples:

Millington youth learn state tree facts Teaching youth about nature helps to ensure they will take care of the earth and work to protect it later in life. For an Earth Day activity, Bavarian Arbor (MI) arranged for Kip Cronk, Michigan State University Extension educator from Bay County, to educate youth at Kirk Elementary in Millington about the official State of Michigan tree, the eastern white pine.

Cronk shared about the importance of the white pine in Michigan’s history and encouraged the students to conserve paper, plant trees and educate others. To demonstrate the monster size of Michigan’s largest known white pine, Cronk asked the first-, fourth- and fifth-graders to stand shoulder to shoulder until they measured 16.7 feet. They then formed a circle to illustrate the circumference of the tree's trunk.

The youth remained entertained during Cronk’s presentation thanks to a number of interactive activities. At the end, the children were given white pine seedlings with planting instructions.

“The schoolchildren were very receptive to the presentation. This was particularly interesting to the students as the seedlings they received were white pines,” said Joan Kuhne, Bavarian Arbor secretary.

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Glen Arbor (MI) members met with eight youth groups to complete several projects around Clio, Michigan. The groups included 4-H Friendly Farmers, 4-H Lakeville Livestock, Cub Scout Pack 304, Girl Scout Troop 10121, Boy Scout Troops 101 and 602, True Life Church Youth Group and Bethany United Methodist Church Youth Group. Students picked up rubbish on railroad tracks, cleaned outside and in the gardens at Clio Historical Museum, weeded downtown garden bump-outs and painted the picnic tables and over graffiti at Clio City Park.

Heritage Arbor (MI) worked with the Davison Livestock Youth to beautify the grounds of the Otisville Museum. Youth members helped move mulch, edged and raked around flower beds. The arbor also donated $250 to the museum.

Oakwood Arbor (OH) members teamed with a local Boy Scout troop to spruce up a three-mile section of the Buckeye Trail. They mowed, trimmed branches and tall weeds, and leveled the path. www.gleanerlife.org

Honoring servicemen and women on Armed Forces Day Bay Area Arbor (FL) helped honor veterans and current servicemen and women on Armed Forces Day, May 20, with a flag presentation ceremony at Apollo Beach Golf Club. Guests were greeted with music by Nelson Rasado. Bev Hiller, Bay Area Arbor president, then shared that May is Armed Forces and Military Appreciation Month, and explained the difference between the three major service-related holidays: •

Memorial Day is when we memorialize and honor those who have died in the service of their country.

•

Veterans Day is when we celebrate and say thank you to all who previously served in the military.

•

Armed Forces Day is when we celebrate and say thank you to all currently serving in the military.

Following Hiller’s introduction, retired U.S. Air Force Col. Jerry Mitchel presented a folded American flag to Tom Doozan, representing the Apollo Beach Golf Club, and asked him to accept it as a token of Bay Area Arbor's thanks. Doozan turned the flag over to members of the Rolling Thunder Color Guard, so it and a POW/MIA flag could be posted on the flagpole.

Chip Shields, a retired marine and active Hillsborough County firefighter, sang the national anthem while the flags were raised. Mitchell then led everyone in the Pledge of Allegiance. Jim Bradley of Rolling Thunder Florida Chapter 11 spoke of the POW/MIA flag's origins and current significance. Another representative spoke about the remains of service personnel from as far back as World War II that were returned to American soil in the previous year, providing much-needed closure for POW/MIA families.

Mitchell then gave an account of his assignments and experience during his 28-year military career. He noted the first Armed Forces Day was 67 years ago on May 20, 1950. He asked all to reflect on those in uniform during all of our past wars and those currently fighting. He shared his hope that all who see the new flags will appreciate the sacrifice and service provided by our military that allows the flags to fly.

Kelly Kowall, a Gold Star mother and founder and president of My Warriors Place, was the final speaker. Kowall described how My Warriors Place came into existence after the loss of her own son in a war zone. My Warriors Place serves as a sanctuary and healing place for military families and veterans. It provides services to promote well-being for those coping with post-traumatic stress disorder and loss of loved ones. She encouraged everyone to visit the facility on the Manatee River.

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1. Fallen Timbers Arbor (OH) Fallen Timbers Arbor (OH) hosted its third annual Family Movie Night with a showing of Back to the Future at a local theater. Attendees were encouraged to bring peanut butter and jelly to donate to Food for Thought pantry. Attendees also donated $200 to the pantry, and the arbor donated an additional $250.

2. Holland Arbor (OH) Holland Arbor (OH) welcomed Dr. Robert Paat of the Medical College of Ohio Community Care Clinic, who spoke about his vast volunteer work for the underprivileged in the Holland area. Volunteers routinely provide meals, blankets and medical clinics in neighborhoods. Paat has also traveled to Nepal and, with a medical team of 68, served 3,400 patients in one week. He works with the TSA to carry much-needed generators and water purification systems to the ravaged areas he serves. The arbor donated $250 to help Paat with his efforts.

3. Huron Shores Arbor (MI) Huron Shores Arbor (MI) teamed with the City of Croswell Parks & Recreation Department and CrosLex High School art department to restore a historic sign, which will be permanently displayed at the Croswell Community Center. The arbor donated $250 to this project.

4. Lakeshore Arbor (MI) Lakeshore Arbor (MI) planned an activity to allow students with multiple severe impairments to participate in an environmental activity suited to their disability and health restrictions.

Arbor members brought in clay pots that the children decorated. They then planted flowers in the pots to take home, water and watch grow.

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“All of these children are in wheelchairs and don't get outside much. They loved playing in the dirt and smelling their flowers,” said Stephanie Ortiz, arbor secretary. Arbor members also played a game with the children and brought therapy toys to donate to their special classroom.

cart filled with goodies to pass to paradegoers. Carrying the Gleaner arbor banner, 15 volunteers walked and handed out coloring books, candy, Frisbees, cold water in Gleaner cozies and lip balm.

“This was the most fun and fulfilling activity our arbor has done to date,” said Ortiz.

South Fairfield Arbor (MI/OH) members partnered with the Goats and "Udder" Things 4-H Club to weed downtown flower pots and flower beds at the library, and then to plant seven flats of flowers. Many hands of all sizes made the work go quickly. The flowers are colorful and will brighten our community throughout the summer.

5. North Central Michigan Arbor (MI) North Central Michigan Arbor (MI) sponsored a screening of the movie Sing for Big Brothers Big Sisters. Several big and little brothers and sisters enjoyed the movie. One lucky little sister won the movie to take home. The arbor provided free popcorn and pop for all attendees and presented a $200 check to Big Brothers Big Sisters.

6. Portage Center Arbor (OH) Portage Center Arbor (OH) invited Country Paws 4-H Club and youth and their families from St. Patrick's Catholic, Holy Family Catholic and Cloverdale United Methodist churches to an evening of bowling.

Guests enjoyed free bowling and shoe rental, plus pizza, beverages and cookies, all provided by the arbor.

Four generations of Gleaner members, ranging in age from 4 to 93, bowled at one of the lanes. To promote Gleaner, the arbor displayed its banner during the event.

7. Riley Creek Arbor (OH) Riley Creek Arbor (OH) participated in the Bluffton, Ohio, Memorial Day parade, honoring veterans and those who gave the ultimate sacrifice. The arbor had a classic car and a golf

8. South Fairfield Arbor (MI/OH)

9. Sulphur Springs Arbor (IL) Youth from Coal City Community 4-H and Sulphur Springs Arbor (IL) members worked together to plant three decorative pear trees at Mazon Centennial Park. The arbor treated members and guests to a picnic lunch and purchased trees valued at $600.

10. West Lockport Arbor (IL) West Lockport Arbor (IL) teamed with Shorewood Hugs to host a different kind of Easter egg hunt — one for dogs. This event helps provide more than half of the support for the Forest Preserve District of Will County's K-9 tracking dog, Jullo.

Jullo provides protection for forest preserves, helps keep drugs out of the parks and has helped in finding missing persons. The money collected helps with his care and training. The arbor purchased dog treats, 4,000 eggs and dog treats to go inside them, as well as prizes for the best-dressed dog, most like their owner, etc. More than 240 dogs attend the event.

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Through giving, we don’t just make the world a better place. We become better people. Benevolence is a habit that Gleaner wholeheartedly supports. That’s why our Give and Grow program now provides benefit members with grants of $250 to improve their communities through volunteer service projects. These projects can be anything from cleaning up a local park to providing lunches for the homeless.

“Give and Grow will give members who aren’t active in an arbor a chance to improve their community with seed money to fund a project,” said Michelle Horn, assistant vice president of community engagement. “Our hope is to expand our long-standing history of charitable giving to reach more communities and make a positive impact.”

Gleaner gives: •

The freedom to choose how you want to give and grow.

•

Branded T-shirts for your team of volunteers.

• •

A prefunded $250 Visa card for your project.

Free resources for promoting your project.

Gleaner members ages 12 and above can apply for a $250 grant through our new Give and Grow program. Gleaner awards eight grants each month to members in our 13 licensed states.* Why Gleaner Gives Since Gleaner Life Insurance Society’s founding in 1894, our local service clubs, called arbors, have given members the opportunity to improve their communities through service projects and donations. By funding these activities, Gleaner has allowed members to give freely of their time and talents without the hassle of fundraising. As our membership has grown, our members have spread out across our 13 licensed states to areas where there may not be a local arbor. Other members may be near an arbor but may not have the time to participate on a month-tomonth basis.

Give and Grow is a program to help give those members a way to serve outside of the arbor system while still participating in our rich history of charitable-mindedness.

Apply for a Give and Grow grant!

Are you ready to give and grow? Learn more and apply online by logging in to the member portal at www.gleanerlife.org. *Gleaner Life Insurance Society is licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN & VA.

OUR HOPE

is to expand our long standing history of

CHARITABLE GIVING to reach more communities and

make a POSITIVE IMPACT.

Frequently asked questions Who is eligible to apply?

How are grants awarded?

Benefit members living in Gleaner’s 13 licensed states* are eligible to apply for a grant once per year.

A benefit member is anyone who owns a Gleaner life insurance or annuity certificate. Benefit members as young as 12 can apply.

Once an application is reviewed and deemed qualified, it will be placed into a lottery and drawn at random. At this time, Gleaner Life Insurance Society is awarding eight grants per month.

A grant can be denied if:

To apply, the benefit member must also have four other individuals to assist with the project. These individuals need not be Gleaner members.

I am also a part of an arbor. Is this a way to get additional funds for a project?

No. The Give and Grow grant program is intended to provide benefit members with the ability to give back to their communities when they are not near an arbor or active with an arbor. These funds are not intended to be used alongside arbors, which receive their own funding.

We hope, however, that this program encourages benefit members to be a part of an arbor in the future. www.gleanerlife.org

• • •

It does not properly adhere to the program guidelines.

It does not impact the community in a positive way.

It does not stand by Gwleaner’s Common Bond.

Gleaner Life reserves the right to deny grants at the discretion of the Community Engagement Department.

How long before my project should I apply?

DATE

PROCESS STEP

Month 1

Apply for your project.

Month 2 Gleaner reviews/ selects projects, notifies members if their project was selected and distributes project kits.

Months 3-5 Complete your project and submit results to the Community Engagement Department.

Read the full FAQ document on the member portal at www.gleanerlife.org.

Project applications must be submitted at least two months prior to the date of the event. On the right, we've provided a sample timeline of a project approval process from start to finish. *AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA

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Recipe File Devilish Broccoli Salad

Pretzel Salad

The Recipe File, Vol. 3, p. 46

Shelley Holly The Recipe File, Vol. 3, p. 70

1 bunch broccoli, broken into flowerets 1 cup raisins 1 cup sunflower seeds ½ cup chopped onions 12 slices crispy cooked bacon, crumbled 1 cup mayonnaise ½ cup sugar 2 tablespoons vinegar Combine broccoli, raisins, sunflower seeds, onions and bacon in a bowl.

For the dressing, stir together the remaining ingredients, and then add to the broccoli mixture. Marinate at least 2 hours in the refrigerator before serving.

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First layer 2⅔ cups crushed pretzels 1½ sticks butter, melted 3 tablespoons sugar Mix together all of the ingredients in a bowl. Press into a lightly greased 9-by-13-inch pan. Bake 8-10 minutes at 375 degrees F. Second layer 8-ounce package cream cheese, softened 2 cups nondairy whipped topping 1 cups sugar

Third layer 2 cups boiling water 2 small packages strawberry gelatin 10 ounce package frozen strawberries, thawed Put hot water in bowl, mix in gelatin and add strawberries. Put mixture in refrigerator until wobbly. Pour over the cream cheese layer (second layer).

Chill in refrigerator and enjoy.

Mix together all of the ingredients.

Pour over the cooled pretzels. Place in the refrigerator to set.

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Korinne’s Korner Ugh — the alarm clock’s going off ! It’s time to wake up, get out of bed and start the day. But the bed is so warm and comfy, and your body is totally relaxed — just 10 more minutes, please. Does this behavior ring a bell with any of you? I am right there with you.

If I am totally honest — and I am always totally honest — mornings are my favorite time of day. Kevin and I typically go to bed by 10 p.m., seven days a week, and rise early on a new day. Heard tell, it’s better for our health to consistently have routine sleep patterns.

Our daughter’s morning routine includes reading her daily devotionals as she kicks off a new day. My motherly advice to our children (as well as friends and family) is to begin each day with a grateful heart. Each of us has challenges and issues that arise daily, but, after all, isn’t that life? It always brings to mind the carnival game Whack-a-Mole, where one issue is resolved only to have another pop up. Am I right? Oh, you know it! That’s why I keep this quote in the forefront of my thoughts: “When you start each day with a grateful heart, light illuminates from within.”

According to WebMD, the benefits of eating a healthy breakfast are numerous: • • •

Improved concentration and performance at work or in class.

More strength and endurance to participate in physical activity.

Lower cholesterol levels.

Hands down, my day requires a morning cup or a pot or two of coffee. When our family or friends are lakeside, I love fixing breakfast — my favorite meal of the day. I found this recipe, and my “test market,” which consists of neighbors, friends and family, has given it a thumbs-up. I made a few variations, but the best part is that it’s prepared the night before, refrigerated and baked in the morning.

Brunch Ham Enchiladas 2½ cups cubed cooked ham 10 flour tortillas 8 ounces shredded cheese 1 tablespoon flour 6 eggs, beaten 1½ cups half-and-half Salsa for serving Lay ¼ cup of the ham in the center of each tortilla, top each with 2 tablespoons cheese, roll up and place seam side down in greased 13-by-9-inch baking dish.

In a large bowl, combine flour, eggs and half-and-half until smooth. Pour over tortillas. Cover and refrigerate 8 hours or overnight.

Remove from refrigerator 30 minutes before baking. Preheat oven to 350 F. Cover and bake for 45 minutes. Uncover, sprinkle with remaining cheese and bake an additional 10 minutes or more until eggs are set.

Let stand 10 minutes before serving.

Serve with salsa and enjoy!

With a grateful heart,

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

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Hey, kids!

Hi, kids! Summer’s finally here! I hope you’re taking

advantage of the sunny weather by playing outside and

enjoying our beautiful Earth. I like to spend my lazy days

rolling in the shady grass under trees, making wishes with dandelion seeds and cooling off in the local water hole.

I hope you’re making some fun memories this summer,

too! Speaking of fun memories, I hope you can join us this summer for our exciting Family Days, where you’re sure to have a good time with family and friends.

Can you help me find my way to Michigan’s Adventure through the maze?

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Traveling Benny

Top and lower left photos: Benny was on the move helping South County Arbor (IN) with its Join Hands Day activity. Can you spot Benny in the group photo?

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Lower right photo: Benny vacationed with the Kohler family in March. They traveled from Michigan to the mountains of West Virginia!

Forum Magazine \ Summer 2017 \

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Privacy Notice Your financial security, satisfaction and privacy are very important to us. We value the continued confidence you have placed in us, and we are serious about our commitment to keep your personal information private. This document describes how we handle your personal information and the steps that we take to protect your privacy.

Definitions • Public Information refers to what is lawfully available to the general public from federal, state or local government records; widely distributed media; or disclosures to the general public that are required to be made by federal, state or local law.

• Nonpublic Information is personally identifiable financial and medical information. It also means any list, description or other grouping of individuals and publicly available information pertaining to them that is derived from any personally identifiable information that is not publicly available.

• Consumer Reporting Agency is an entity, that regularly provides reports (Consumer Reports), including information regarding an individual's general reputation, character, personal characteristics or mode of living and financial status. The information may be obtained through interviews with the individual or third parties, such as the individual's business associates, family members, friends, neighbors, acquaintances or financial sources.

• You means any individual who obtains or has obtained a financial product or service from the Society.

• Gleaner Life Insurance Society is referred to as the “Society,” “us,” "we" or “our.”

Collecting Information to Conduct Business We obtain information about you to help us serve your financial needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements. The type of information that the Society collects varies according to the products you request and includes:

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• Information that you provide to us in an application or other forms (name, address, Social Security number, assets and income, etc.).

• Information about your relationship with us (products or services purchased, account balances, payment history, etc.).

• Information about your transactions with us (balances, premium payments, loans, claims, etc.) or others.

• Information that we may receive from a Consumer Reporting Agency.

• Information from non-Gleaner sources (such as medical information, etc.).

Sharing Information With Others We do not disclose any personal Nonpublic Information about you to anyone, except: • On occasion, your name, age, place of residence, length of membership as well as your involvement in any fraternal activity with the Society may be disclosed in one of our publications (Forum Magazine, The Arbor Newsletter, etc.), at one of our fraternal events (picnics, etc.) or for public relations purposes (news releases, photographs, etc.). All information disclosed about you as mentioned here will be of favorable intent and will not compromise the confidentially of your other Nonpublic Information; • Many employers or other plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services such as a 401(k) plan, 457 plan, etc. In our business relationships with such institutions, we always honor these restrictions. If you have a relationship

with the Society because of the products or services provided through an employer or other plan sponsor, we will abide by the specific privacy rules imposed by that organization; • We will not share medical information for marketing purposes; • As permitted by law. For example, we may disclose information in response to a subpoena, to prevent fraud or to comply with an inquiry by governmental agency or regulator; or, • As you may authorize.

Access to Your Information is Authorized for Gleaner Purposes Only We restrict access to your personal, insurance and medical information to the Society’s employees who need to know that information in order to provide insurance or service to you. We are, and will continue to be, vigilant in safeguarding your personal financial and medical information.

Security Standards We maintain physical, electronic and procedural safeguards to comply with federal and state regulations regarding the safeguarding of Nonpublic Information.

It is our sincere desire to maintain complete, accurate and up-to-date records.

You may contact us at the address or telephone number on page 2 to access, as provided by law, information included in your file. We will promptly correct any error in our information. To protect your privacy, you will need to identify yourself by providing us with your name, date of birth and Social Security number.

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Register for Gleaner’s

2017 Family Safari to Kalahari!

$160 per night* for members, $205 per night for nonmembers Kalahari Resort and Waterpark | Sandusky, Ohio Join us November 10-12, 2017, at Kalahari Water Park and Resort in Sandusky, Ohio. This African-themed resort features 173,000 square feet of water park excitement. When you visit Kalahari, you’ll know right away you’re somewhere special. Whether you are a land or water lover, Kalahari offers an exciting mix of rides, slides and adventures for people of all ages.

Gleaner guests may stay just one night or choose to stay both Friday and Saturday nights. The Gleaner package includes: • Your choice of a Hut or Desert room (based on availability).

HUT: Two queen beds, patio/balcony.

DESERT: Two queen beds and full-size sleeper sofa.

• Four water park passes (with Desert rooms, you may purchase two additional passes for $25 each per day).

• Saturday night pizza party hosted and paid for compliments of Gleaner. It’s our treat to you!

Register online at www.gleanerlife.org/kalahari.

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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

Join us on Saturday, Oct. 7, for Gleaner Day 2017 in Dearborn, Michigan.

Gleaner members can visit Greenfield Village and Henry Ford Museum of American Innovation for the discounted rate of $20 per person. Tickets also include lunch for Gleaner members.

To register, visit www.gleanerlife.org/gleanerday.

ENTER TO WIN A ONE-YEAR MEMBERSHIP TO THE HENRY FORD! Bring five nonperishable food items or make a $5 donation at Gleaner Day to enter a drawing. One Gleaner member will win a one-year membership to The Henry Ford, which includes unlimited free visits to Greenfield Village and Henry Ford Museum of American Innovation. The winner will be announced on Monday, Oct. 9.

www.gleanerlife.org #gleanerday