HERALD Official Organ Of The Sla vonic Benevolent Order Of The State Of Texas. Founded 1897. BENEVOLENCE VOLUME 54 — NO. 40
HUMANITY
BROTHERHOOD
Postmaster: Please Send Form 3579 with Undeliverable Copies to: SUPREME LODGE, SPJST, POB 100, TEMPLE, TEX. 76501
OCTOBER 5, 1966
FROM THE EDITOR'S DESK Life insurance buying surged to new records in the United States during the first half of 1966, with the Midwest generally showing the biggest increase in purchase of ordinary policies. The Institute of Life Insurance reports that Americans bought a total of more than $58 billion of protection under all types of policies. This was a net increase of $3.8 billion or 7 per cent over the first half of 1965. Individual purchases under ordinary policies accounted for $3 out of every $4 of the increase, although by far the largest percentage rise was in group life insurance buying. Policyholders paid about 80 cents less for each $1,000 of life insurance last year than ever before, according to the Institute of Life Insurance. The average premium per $1,000 of protection in force with the nation's life companies dropped to $17.80, the lowest on record for all types of policies. The 1264 average was $18.60. This average has generally been declining for many decades, and the downtrend since World War II has being particularly sharp. Probably the main reason is the wider use of lowpremium policies, including group insurance; family plans, family income and other "package" policies; and term insurance (Which has lower premium rates because it provides only tern-
"The basis of our political system is the right of the people to make and to alter their Constitutions of Government. But the Constitution which at any time exists, till changed by an explicit and authentic act of the whole People, is sacredly obligatory upon all." —George Washington porary protection). Relatively less insurance is being bought under higherpremium endowment plans, which combine a savings fund with insurance. Straight life insurance buying has shown relatively little change. Happiness is appreciation for the things we have. To a little girl, happiness might be gathering wild flowers in the spring. To a small boy, happiness might be the crack of the bat as he hits a home run. To a man, it might be catching that large fish at the lake. To a woman, it might be buying a new hat. But to all, happiness in America means the freedom to do all these things . . . and more. Our forefathers established the freedom that is America. Since 1776, thousands have given their lives to protect that freedom. As citizens, we can protect it in another way . . . by using our privilege to cast our vote in every election . . local, county, state
and national. Casting our vote is a happy occasion. It is one way we can express our appreciation for the freedoms which are ours. Freedom is a vital part of the rights and principles which are the basis of the system which has made America great. Freedom means many things to Americans, but generally its meaning encompasses the freedom of speech, religion, press and political affiliation. Throughout history, each generation of Americans has been called upon to sacrifice life and property to preserve the blessings of freedom. These blessings of our American Heritage have been earned by each generation and relayed to the next, intact. Our American way of life developed through the pioneering effort of our forefathers . . . and the system developed by that group has worked better than any other the world has ever known. Early American settlers came here to escape the forces of oppression which clouded many areas of the world. Each family grew its own food, sewed its own clothes and'built its own house. How well each family's needs were satisfied depended upon how hard the family worked to achieve its goals.
CZECH DAY AT THE STATE FAIR IN DALLAS - OCTOBER 9th!