"CHANGING TO MEET THE CHANGING NEEDS OF FRATERNALISTS"
ESTNIK
SPJST Herald "Joining Hands To Touch Lives-Fraternalism for the Family and Our Nation"
Official Organ Of The Slavonic Benevolent Order of the State of Texas, Founded 1897
BENEVOLENCE
BROTHERHOOD
HUMANITY
Postmaster: Please Send Form 3579 to: SUPREME LODGE, SPJST, P. 0 Box 100, Temple, Texas 76503
VOLUME 81 NUMBER 10
March 10, 1993
ISSN-07458800
Society Congratulates February Top Producers More than 100 sales representatives now enrolled in Quick Start The sales representatives pictured below were awarded a cash award of $25 for each category as district top producers for the month of February 1993. The SPJST appreciates the efforts of these and all members of our volunteer sales force. It takes planning and hard work to be a successful volunteer sales representative for the SPJST. Starting this month, more than 100 of our sales representatives began instruction in the Quick Start II fraternal insurance sales anu marketing program. The Society appreciates the extra efforts of these individuals and wish them continued success towards the completion of the program. DISTRICT I EARNED PREMIUM
Donnie Victorick Lodge 9
Selling, in some respects, is like staging a play. If it is well done, there is usually a lot of preliminary rehearsal and backstage activity. Then, the real measure of our success comes when we are able to perform well. As has been stated, one of the primary objectives in mind when the Quick Start program was implemented was to better equip our volunteer sales force to provide our members and orospective members with optimal service before and aff,:r the sale. Again, congratulations to all of our volunteer sales representatives—and to our many fraternalists working "behind the scenes" to help ensure the financial strength and vitality of the SPJST. DISTRICT III EARNED PREMIUM
Henry Breitkreutz,Sr. Lodge 35
DISTRICT I APPLICATIONS
DISTRICT HI APPLICATIONS
Beverly Dianne Howie Lodge 188
Ben Jarma Lodge 84
DISTRICT II EARNED PREMIUM
DISTRICT IV EARNED PREMIUM AND APPLICATIONS
Bob Miracle Lodge 200
"It takes planning' and hard work to be a successful volunteer sales representative." DISTRICT V APPLICATIONS
Lydia Marsh Lodge 88
DISTRICT VI EARNED PREMIUM
Annimae Merta Lodge 30
DISTRICT VI APPLICATIONS
Mary Matula Lodge 4
Martha Broz Lodge 160
Treasury finds no unfair competition between fraternal benefit societies and commercial insurers NATIONAL FRATERNAL CONGRESS—The U.S. Department of the Treasury recently released its official report to Congress on fraternal benefit societies (FBS). The report is the result of a six-year study of the operations of FBS from 1930-1989. The Tax Reform Act of 1986 required Treasury to conduct this study and report to Congress. There are more than 100 FBS in the United States. Examples are the Slavonic Benevolent Order of the State of Texas (SPJST), Knights of Columbus, and Modern Woodmen of America. The Treasury Department concluded that FBS charge prices similar to those charged by large mutual life insurance companies and that FBS do not use their tax-exempt status to compete unfairly with taxable insurance companies. Treasury also concluded that FBS operate under tax exemption as efficiently as mutual life insurers. Treasury found that net receipts have been positive for FBS insurance activities and negative for FBS fraternal and charitable activities. Treasury stated that this suggests FBS insurance income subsidizes fraternal and charitable expenditures. These charitable services benefit society as a whole. The Report to Congress noted an increase in fraternal events, acts of fraternal service and hours of fraternal service between 1985 and 1989. In 1989, 46.7 million hours of volunteer work were provided by all FBS in the U.S. Treasury notes that a comparison of the rate of surplus accumulation and level of accumulated surplus of FBS with that of large mutual life insurers suggests that the rate and level of surplus accumulation by FBS are significantly greater than for mutual companies. Treasury commented that these additional assets accumulated as surplus benefit members of fraternal benefit societies by reducing risk of insolvency. —SPJST-
DISTRICT II APPLICATIONS
Louise Zavodny Lodge 24
DISTRICT V EARNED PREMIUM
DISTRICT VII EARNED PREMIUM
Evelyn Mikeska Lodge 196
Maxine Pavliska Lodge 107
DISTRICT VII APPLICATIONS
Thelma Hrncir Lodge 79