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Official Publication of the SPJST, originally chartered as the Slovanska Podporujici Jednota Statu Texas, in 1897
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Postmaster: Please Send Form 3579 to: SPJST Home Office, P. 0. Box 100, Temple, Texas 76503
Thanks for the Lift!
SPJST, fratema s salute FICs in May
Supporting each other -- and isn't that what fraternalism is all about. Lodge 30, Talton Youth Club President Chad Dorotik gives a lift to Lodge 30's newest member, Luc Marcaurele, who was born on August 15, 2002, Luc's sister, Megan Marcaurele, is ice president of the youth club and a past SPJST State Queen. Luc's mom is Yvonne Marcaurele, who proudly points out that Luc and his two brothers and sister are all fourth-generation SPJST members.
Family Fun anti ImportantSMST tines y18
May 24 May 24 - 26 May 26 May 3/ June 1 1 June 6 - 8 June 7 June IC Ju e 14
Lodge 24, Cyclone Mother's Day Barbecue State Horseshoe Tournament, Lions Park, Temple District Seven Spring Meeting hosted by Lodge 133, San Antonio at Good Shepherd Lutheran Church Lodge 80, Holland Annual Picnic SPJST Texas Barbecue Lunch Benefitting the Children's Advocacy Center of Central Texas Lodge 25, Ennis May Fest SPJST Education and Nature Center Retreat at Greene Family Camp in Bruceville Memorial Day • SPJST Home Office Closed Lodge 148, El Maton Member Appreciation Dinner Lodge 47, Seaton Annual Picnic/100th Anniversary Lodge 88, Houston Homecoming Leaders-in-Training (LIT) Workshop in La Grange Lodge 148, El Maton June Dinner Lodge 87, Temple Member Appreciation Banquet Flag Day —SPJST-
INTEREST RATES Mortgage Rates
75% Owner Residence! Farm Property 5.500% for 1 to 15 years 6.000% for 16 to 20 years 6.375% for 21 to 30 years 85% Owner Residence/Property 7.000% for 1 to 30 years
Commercial Property 7.250% for 10 years 7.500% for 11 to 15 years Universal Life
6.500% for Annualized Guaranteed Rate: 4.50%
Roth IRAs
Roth II - 5.00% for Annualized* Roth ID - 4.50% for Annualized*
Annuity 1
5.000% for Annualized* Guaranteed Rate: 5.00% Certificates issued prior to 4-1-93
May 7, 2003
ISSN-07458800
VOLUME 91 NUMBER 19
May has been designated as Fraternal Insurance Counsellors Month by the National Fraternal Congress of America (NFCA), the national trade association for fraternal benefit societies. The SPJST joins in this observance and salutes its 111 sales representatives who have achieved the FTC (Fraternal Insurance Counsellor) designation. "The fraternal benefit industry is proud of our community service and fraternal programs, but one of the-most important benefits to our members are the financial services represented by our professional and ethical member recruiters and sales agents," says Michael F. McGovern, NFCA Board Chairman. "While every one of our sales personnel is valuable, May is set aside each year to recognize the industry's FICs. These talented and energetic Fraternal Insurance Counsellors have worked hard, studied and completed required coursework to achieve their well-deserved designation." FIC History
In 1949, the Fraternal Field Managers Association (FFMA), a special section within the NFCA, decided to develop its own educational program. The first course consisted of
three books — a fourth was added later — to provide a self-study training program focusing on the history of fraternalism, basic life insurance concepts, recruitment techniques, individual and family needs, estate planning and ethics. The first 134 FICs were conferred in 1950 and the National Association of Fraternal Insurance Counsellors (NAFIC) was established. Nationwide, there are approximately 7,000 accredited FICs, with 4,400 belonging to the NAFIC. The association consists of 36 state FIC chapters and one in canada. The FFMA later saw the need for education in advanced underwriting and developed a "Fellow" program consisting of additional training. Successful completion of this portion earns the designation FICF. Within SPJST, Supreme Lodge Vice President Gene McBride and Assistant to the Vice President Kathy Fritz possess the 1-1CF designation. If you are an • SPJST sales represenative and have not yet achieved FIC designation but would like to learn more, please contact SPJST State Training Coordinator Jim Wiest at the Home Office at (800) 727-7578 or via cell phone at (254) 541-5555. —SPJST-
r o rta ma ti n a.
ere, Fraternal Insurance Counsellors have organized under the banner of National Association of Fraternal Insurance Counsellors (NAFIC); anb ethereae, Fraternal Insurance Counsellors strive to increase the knowledge of fraternal field representatives concerning legal reserve fraternal life insurance, to develop more successful sales methods and to render, adequate services to fraternal members; Ub Othereao, Fraternal Insurance Counsellors afford the opportunity of exchange of ideas among leading fraternal field representatives;
anti tubereao, Fraternal Insurance Counsellors endeavor to make it possible to bring before fraternal field representatives the experience and knowledge of successful life underwriters; ant) tobereao, Fraternal Insurance Counsellors pledge to uphold the highest of ethical standards toward their clients and to remain loyal to the society to which their profession and service is dedicated; anb ethereao,
Annuity 11
5.00% for Annualized* Guaranteed Rate: 3.00% Certificates issued 4-1-93 through 2-28-03
Annuity Ill
4.50% for Annualized Guaranteed Rate: 3.00% Certificates issued after 2-28-03 * Rates effective 5-1-03. Rates subject to change without notice.
the constancy and tirelessness of the Fraternal Insurance Counsellors continue to be*the lifeblood of the fraternal benefit system; Pete, therefore, be 1, the Chair of the Board of the National Fraternal Congress of America, proclaim and urge all fraternalists throughout the United States al:bd. Canada to join with us in heralding the accomplishments of Fraternal Insurance Counsellors and to note our gratefulness with pride. Michael F. McGovern 2002-2003 Board Chairman National Fraternal Congress of America