Vestnik 2015 03 25

Insuring & Enriching Lives

2015 Life Insurance and Annuity Extra

A special VĚSTNÍK publication. Volume 103 Number 12 ISSN —07458800

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2015 SPJST Life Insurance and Annuity Extra

2015 SPJST Life Insurance and Annuity Extra

Published March 25, 2015, in lieu of the Vestnik (VOLUME 103, NO. 12), the 2015 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information and of the insurance plans and annuity programs available to qualifying SPJST members and prospective members.

Table of Contents

SPJST Insurance Department Staff ..............................................................................3 SPJST Celebrates 118 Years of Fraternalism ..............................................................4 SPJST announces insurance annual reviews for members .....................................6 How often should I review my SPJST policy?.............................................................6 Different types of life insurance....................................................................................7 Tips on buying life insurance ........................................................................................7 Affordable Insurance Options .......................................................................................8 Should I buy life insurance through work or on my own?.........................................8 What you should know about buying life insurance ..................................................9 How to purchase insurance: Choosing an agent ......................................................9 How to purchase insurance: Choosing a policy......................................................10 How to purchase insurance: Questions about a policy..........................................14 What is an annuity? .....................................................................................................16 Why should I consider purchasing an annuity? .......................................................16 How are annuities different from life insurance?......................................................17 What are the different types of annuities: fixed vs. variable ..................................17 What is the difference between a fixed and variable annuity?................................18 What are deferred and immediate annuities? ...........................................................18 How much should I invest in an annuity?..................................................................19 What is a “free-look” provision?.................................................................................19 What are surrender fees? ............................................................................................19 SPJST Annuities .........................................................................................................19 SPJST Youth Program Aims High...............................................................................21 SPJST Scholarships and Grants ................................................................................22 SPJST Mortgage Loan Program .................................................................................22 SPJST Supports Established, Fledgling Charities ...................................................22 SPJST Endowed and Sponsorship Scholarship Opportunities .............................23 Directory of SPJST Lodges, Youth Clubs, and Sales Agents.............................24-31 $500 in Cash Prizes! Sign Up To Win! ........................................................................32 SPJST HOME OFFICE PO Box 100 • Temple, Texas 76503 800-727-7578 • 254-773-1575 • Fax: 254-774-7447 • www.spjst.org

SPJST OFFICERS

President Brian Vanicek, FIC

Vice President Clifton Coufal

Office: 254-773-1575 Mobile: 254-534-2902 Home: 254-985-0007 vanicek@spjst.com

Office: 254-773-1575 Mobile: 254-931-5231 cliftonc@spjst.com

Secretary-Treasurer Leonard D. Mikeska, FIC Office: 254-773-1575 Mobile: 254-721-4739 Home: 254-778-3720 leonardm@spjst.com

Financial Secretary Roy Vajdak Office: 254-773-1575 royv@spjst.com

SPJST DIRECTORS

Donnie Victorick, FIC, CFFM District One PO Box 85 Snook, Texas 77878-0085 Home: 979-272-3265 Mobile: 979-224-3125 dv.aggie@verizon.net Jesse Pospisil District Two 4710 FM 1331 Taylor, Texas 76574-2164 Home: 512-365-1110 Mobile: 512-826-7371 jlpospisil@yahoo.com John Engelke District Three

6475 Gholson Rd Waco, Texas 76705-5330 Home: 254-799-4247 john.engelke@hotmail.com

Billy Rollwitz, FIC, CFFM District Four PO Box 195 Rowena, Texas 76875-0195 Home: 325-442-3141 Mobile: 325-277-5362 Office: 325-442-3038 brollwitz@verizon.net Larry W. Pflughaupt, FIC District Five 1243 Clovis Rd Houston, Texas 77008-6232 Home: 713-864-2163 lpflugh@aol.com

VĚSTNÍK, (USPS 658480) is published weekly except the last week of September and the fourth week of December by VĚSTNÍK, PO Box 100, Temple, TX 76503-0100. Subscription rates are $25 per year for non-members. Members’fees are paid as part of the insurance fee collected by SPJST, 520 North Main, Temple, TX 76501. Second-class postage paid at Temple, TX and additional mailing offices. The exchange of opinions, ideas and information is a vital aspect of our fraternal Society and enables us to make more informed decisions.

The views expressed by writers in the Vestnik do not necessarily represent the views of the Editor or SPJST management. Please sign all correspondence intended for publication. POSTMASTER: Send address changes to VĚSTNÍK c/o Financial Secretary Roy Vajdak, PO Box 100, Temple, TX 76503-0100.

Karen Kaspar, FIC, CFFM District Six 8550 N State Highway 71 El Campo, Texas 77437-9819 Home: 979-543-2532 Mobile: 979-332-1616 k-kaspar@hotmail.com

Bob J. Bayer, FIC District Seven 1100 Hospital Blvd Floresville, Texas 78114-2912 Home: 830-393-9073 blackbayer39@hotmail.com

FRATERNAL FIELD MANAGERS

DISTRICTS ONE/TWO/THREE Philip (Phil) McBee, FICF, CFFM Mobile: 325-647-1949 Fax: 325-784-7448 philipmcbee@aol.com

DISTRICTS FOUR/SEVEN Bobby Davis, FICF, CFFM Mobile: 325-450-3748 Fax: 325-657-2003 bgdsr2428@aol.com

DISTRICTS FIVE/SIX Delisle Doherty Mobile: 832-232-2049 Fax: 281-855-3039 delisled@sbcglobal.net

STATE FRATERNAL ACTIVITIES COORDINATOR

Frank Horak

Office: 254-773-1575 Mobile: 254-534-0681 frankh@spjst.com

STATE YOUTH DIRECTOR

Lynette Talasek

Office: 254-773-1575 Mobile: 254-931-0639 lynettet@spjst.com

VĚSTNÍK

SPJST’s Weekly Member Newspaper

Editor/Director of Communication Melanie Zavodny, FIC Office: 254-773-1575 Mobile: 254-534-0807 Fax: 254-773-8087 melaniez@vvm.com

What is SPJST?

We insure and enrich lives.

What is SPJST’s vision?

Our vision is to provide a wholesome family environment; to encourage cherished Czech traditions; and to provide high quality, competitive life insurance for our members.

2015 SPJST Life Insurance and Annuity Extra

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Cynthia Hutka

Supreme Lodge Vice President

Insurance Operations Manager

5 Years Service

Bobby Davis FICF, CFFM

Fraternal Field Manager Districts Four/Seven

Delisle Doherty Fraternal Field Manager Districts Five and Six

15 Years Service

Susan Shofner

Underwriter

49 Years Service

7 Years Service

Lori Slack

Fraternal Field Manager Districts One/Two/Three

Doni Powell

Lisa Mills

Administrative Assistant to the Vice President

Insurance/Beneficiary Specialist

Philip (Phil) McBee FICF, CFFM

Customer Service Specialist

Doris Tyroch Certificate Issue Technician

SPJST Home Office 520 North Main Street Temple, Texas www.spjst.org Contact Information Mailing Address: PO Box 100 Temple, TX 76503-0100 Delivery Address: 520 N Main St Temple, TX 76501-3247

11 Years Service

7 Years Service

15 Years Service

Clifton Coufal

7 Years Service

10 Years Service

29 Years Service

5 Months Service

• • • • • • • • • • • • SPJST Insurance Department Staff • • • • • • • • • • •

Donica Zabcik

New Business Marketing and Research Technician

Toll Free Phone: 800-727-7578 Temple Area Phone: 254-773-1575 General Fax: 254-774-7447 Insurance Department Fax: 254-774-1456 Vestnik Fax: 254-773-8087 General Email: info@spjst.org

SPJST Celebrates 118 Years of Fraternalism

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2015 SPJST Life Insurance and Annuity Extra

1897 - 2015: A Colorful History, A Bright Future

The Basics of Fraternalism and an SPJST Overview Through 102 lodges throughout the State of Texas, SPJST offers products and services that offer protection, that celebrate achievement and that bring people together. Insuring and enriching lives. That’s our mission statement.

That’s what we’re all about.

SPJST members need to be familiar with their Society, how it works, and what it has to offer. Understanding the basis of “fraternalism,” how SPJST started and how it grew all contribute our understanding of the Society and the high ideals of Benevolence, Humanity, and Brotherhood that it seeks to convey.

What’s the meaning of “fraternalism?”

SPJST is a fraternal organization.

You hear that a lot. What does it mean?

A good place is by examining the word itself. The word “fraternal” is derived from the Latin fraternalis which means “of, or befitting a brother.”

Fraternalism and fraternal life insurance are founded upon the principle that every individual is his brother’s keeper and that each of us has a responsibility to help each other. It was this spirit of doing good to each other that inspired the idea of the earliest fraternal societies.

Fraternalism — this spirit of brotherhood — was expressed in the loosely organized and semi-religious societies of ancient Greece which provided financial aid to their members in times of sickness and death.

These early societies had another purpose, too. In addition to providing financial support to the families of departed members, they recognized the social need of human beings for companionship. As a result, these early friendly societies and guilds provided a way for people to meet at friendly gatherings.

SPJST’s Fraternal Roots Go Deep SPJST’s roots run deep in the history of the American fraternal benefit system. During the 1880s and 1890s, many Texans of Czech ancestry joined the nationwide fraternal order known as the Cesko-Slovanska Podporujici Spolecnost (C.S.P.S.). The organization is recognized today as the Czechoslovak Society of America (CSA).

In 1897, there were 27 C.S.P.S. lodges in Texas. Founded in 1854 in St. Louis, Missouri, by Czechoslovak immigrants, C.S.P.S was organized to provide security for their widows and children upon their death. The C.S.P.S. truly laid the groundwork for a modern fraternal in this country, which served as a model for many other fraternal benefit societies in America organized in later years.

For more than 150 years, fraternal organizations have been a force for good in North America. In addition to providing life insurance, they serve their members and society at large through cultural, social, educational, and various civic and fundraising activities.

Democratic principles are an important aspect of membership in a fraternal organization. Members elect their local officers as well as their society’s directors and officers.

Strength in Numbers American Fraternal Alliance, formed in 1886, unites 64 not-for-profit fraternal benefit societies operating in 50 states, the District of Columbia, and Canada. Alliance member societies represent nearly 10.5 million individuals.

SPJST is proud of its longstanding relationship with the Alliance. In recent years, various SPJST programs and members and officials have been cited for fraternal excellence, including top recognition in the Alliance’s Fraternalist of the Year program.

Over the years, SPJST officials have also held various leadership roles within the Alliance. Each year through this unique structure, members of fraternal benefit societies invest more than 92.5 million hours in community works and contribute more than $414 million to charitable programs supporting community service projects making it one of the largest volunteer networks of community and social service providers in existence.

In 2014, SPJST members contributed more than 77,000 hours in community service time and more than $500,000 to charitable causes.

On the statewide level, Texas-domiciled fraternals are united through regular participation in meetings and activities of the Fraternal Alliance Of Texas (FAOT). Annual FAOT events

supported by SPJST in 2015 include the FAOT Bowling Tournament in New Braunfels on February 7 and the FAOT Legislative Awareness Day at the Texas State Capitol on Tuesday, April 14.

Czech Immigration to Texas Paved the Way for SPJST The Texas Almanac provides us with a summary outline of the history of Czech immigration to Texas. In December 1849, Reverend Josef Arnost Bergmann left his Czech homeland to minister to German Protestants in Texas.

Pastor Bergmann and his family arrived in Galveston in 1850 and made their way to Cat Spring. There in Austin County, he led the Easter service for the congregation that had hired him, and he soon wrote a letter praising Texas to friends and family back home.

That letter, published in the Moravské Noviny (Moravia News), suggested opportunity to the families struggling on the overcrowded farmlands of Central Europe. Also, it offered hope to merchants and craftsmen left frustrated after the failure of the 1848 social uprisings on the European continent.

Bergmann’s letter was the catalyst of opportunity that has earned him the designation of “father” of Czech immigration to Texas.

By the Civil War, there were about 700 Czechs in Texas, many with Unionist and abolitionist sentiments.

However, some fought in the Confederate army, while others tried to remain neutral.

A second wave of Czech immigration in the 1870s and 1880s followed the war. These Czech settlers established themselves on the Coastal Prairie and the Blackland Prairie from Ellis County near Dallas in the north to Victoria County on the south. A third wave after 1900 moved eastward to Brazoria and Fort Bend counties near Houston.

Texas Czech immigrants settled in some 250 communities mostly within the Blackland Prairie. The Texas Coastal Plain region also attracted hundreds of families. Generally stated, that represents an area that runs from Corpus Christi on the south, through Central Texas and up to Ennis on the

north. Fayetteville, originally a German settlement, became Czech by the 20th century. The city is often called “the cradle of Czech settlement in Texas.”

C.S.P.S. Established Lodges in Texas As previously noted, during the 1880s and 1890s, many of the Texas Czechs joined a nationwide fraternal order called C.S.P.S. — Cesko-Slovanska Podporujici Spolecnost. In 1897, there were 27 C.S.P.S. lodges in Texas.

In spite of the rapid growth of C.S.P.S. in Texas, considerable discontent existed among the members from Texas and the Midwest. The primary concern was that C.S.P.S. insurance premium guidelines favored the industrial workers in the eastern part of the United States. Those workers had a much higher mortality rate than the people living in Texas. As such, the premiums were considered to be overly expensive.

Texas Delegation Takes Decisive Action Texas C.S.P.S. members I.J. Gallia and J.R. Kubena led the efforts to reform the national C.S.P.S. Shortly after the 1896 C.S.P.S. convention, Texas Czechs met in La Grange, Texas, and set about the task of forming a new fraternal organization.

Augustin Haidusek, Frank Cihal, and J.R. Kubena were charged with the responsibility of drafting a constitution.

In March 1897, the constitution was submitted to the Texas C.S.P.S. lodges for their consideration. Seven of the 25 C.S.P.S. lodges approved the constitution and withdrew from the older society.

Official records indicate that SPJST — Slovanska Podporujici Jednota Statu Texas — started operations on July 1, 1897, with 866 members and 25 charter lodges.

SPJST received its state charter on August 12, 1897.

SPJST’s first base of operations was located in Fayetteville, Texas. The central figure in administering the affairs of the Society, Secretary J.R. Kubena, had his business located in Fayetteville.

Until his death in 1938, Kubena administered the affairs of SPJST out of a single room in his general store.

The Early Years From the outset, SPJST made a positive difference in the lives of its members, providing them with the security of fraternal life insurance and the value-added benefit of belonging to a progressive social organization. In many families, SPJST became an important part of life.

During SPJST’s first half century, American society and lifestyles changed dramatically. Texas and our nation became progressively more industrialized. Many people including the sons and daughters of our first-generation SPJST members moved away from farms and into towns and cities.

Oftentimes, they took SPJST with them. It was during this period that many of SPJST’s urban lodges were chartered. It was also near the end of this period — in 1952 — that SPJST relocated its Home Office to Temple.

During the latter half of the 20th Century, SPJST continued to provide its members with the security of fraternal life insurance and to reinforce a sense of Czech cultural identity.

Lodge members worked diligently to est a b l i s h SPJST’s reputation as a proactive fraternal organization, sponsoring a wide range of family-oriented activities, including sports teams, dances, picnics, plays, orchestras, and choral and dance groups.

In 2015, there are more than 42,000 SPJST members in 102 lodges located throughout the state of Texas. SPJST’s life insurance certificate count exceeds 50,000.

2015 SPJST Life Insurance and Annuity Extra

SPJST Fields Active Youth Program SPJST’s fraternal program is the real deal when it comes to meeting its fraternal obligations on an everyday basis.

Through active participation in local SPJST Youth Clubs and statewide events, young members between the ages of five and 18 develop a greater awareness of the common bonds that we all share. SPJST youth clubs also work with community-based organizations, tailoring programs to fit their local needs.

SPJST’s summer camping program fosters a spirit of cooperation, an appreciation of the natural environment and helps campers to achieve their full potential. SPJST also sponsors Youth Achievement Day (YAD) competitions on the district and state levels as an educational activity for SPJST youth club members. Contestants field entries in a range of areas including arts and crafts, music, dance, drama, and public speaking.

State Youth Director Lynette Talasek and District Youth Counselors plan and direct activities and programs as well as formulate the rules and regulations for our youth program. Sister Talasek, assisted by Fraternal Services Specialist Tammy Martinez, oversees SPJST’s youth program.

It is difficult to overstate the value of the collaborative ties that exist within the SPJST youth program and that are nurtured by our statewide District Youth Counselors, their assistants, and youth leaders. They know the importance of working together to achieve common goals. Their commitment represents a powerful and driving force behind the success of the SPJST youth program.

How to Qualify to Attend SPJST Summer Camp Generally stated, SPJST camp is provided on the basis of participation in SPJST activities. To qualify for camp, active youth club members must attend seven out of 12 youth meetings in the months preceding camp. Any youth (previous member or new certificate) who initially joins the youth club must attend the majority of meetings to be eligible for camp. Another way to qualify for camp is to attend seven out of 12 adult meetings in lodges where there are no youth clubs.

Non-active youth members may attend camp for a fee that is determined by their District Youth Counselor. Youth camp funds come from an annual allocation funded by the SPJST Supreme Lodge.

Youth Achievement Days Showcase Skills and Talents In addition to its summer camp program, SPJST offers its young members a program encouraging them to participate in a range of individual skills and talent competitions. The program culminates with the State Youth Achievement Day (YAD) and Royalty Contest, held in Temple on the first Saturday in August.

Annually, more than 300 young people from across Texas participate in State YAD, the grand finale of the summer long district contests. The competition covers talent, speech and crafts.

It is cooperative efforts such as these that truly symbolize the great potential of the SPJST young and old working together to achieve common goals and enjoying life together.

SPJST Scholarship Program Since its inception, SPJST has presented more than 2,100 scholarships valued at more than $1.5 million.

In the spring of 2014, SPJST presented 60 - $1,000 scholarships to deserving high school seniors and college undergraduates. This total does not include the many scholarships that are also awarded by our local lodges. Additional royalty and merit scholarships were presented at State Youth Achievement Day in August.

General scholarships were established in 1982 for all SPJST members.

General scholarships are funded by the Supreme Lodge and voluntary contributions by SPJST members. Accordingly, the more funds available, the more scholarships awarded. Leadership grants were established in 1996 for active youth club members. Leadership grants are funded solely through allocations by the Supreme Lodge.

All scholarship and grant applicants must: • Have an active SPJST life insurance certificate in force for one year;

• Hold an active SPJST life insurance certificate for the duration of the scholarship or grant; and be a high school graduate or equivalent.

General scholarship recipients may only receive one general scholarship.

Active youth club members are required to apply for both the general scholarship and the leadership grant; however, they are only eligible to receive one.

All required application materials must be postmarked by February 1.

To request an application, please contact Assistant to the President Sandra Dubcak. You may also go online for more information at spjst.org.

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Fraternal Program Continues to Evolve Whereas Lynette Talasek tends to matters of business relating to the youth program, State Fraternal Activities Coordinator Frank Horak provides adult lodges across the state with assistance in the area of officer training, lodge development and fraternal programming. Brother Horak also helps to organize many of our SPJST statewide events and contests.

Fraternal Services Specialist Tammy Martinez, works in the SPJST Home Office, handling fraternal activity administrative functions as well as organizing SPJST statewide tournaments and assisting with local lodge and district activities. District Fraternal Activities Coordinators, elected at their district spring meetings, also facilitate many of the activities that take place in their respective districts.

In recent years, SPJST’s fraternal line-up has expanded to include a wide range of adult- and youth-oriented activities as well as opportunities for service and extolling patriotism. In 2009, SPJST took the role in leading the drive to construct the Fort Hood November 5th, 2009 Memorial. The site will honor the victims and provide a historic record of this tragedy in order to deliver a message of vigilance for generations to come. The memorial is scheduled to be dedicated on November 9, 2015.

Regional Rallying Points In recent years, SPJST has introduced several new regional fraternal rallying points for members and prospective members. Popular fraternal venues in recent years have included the Fraternal Alliance of Texas (FAOT) Bowling Tournament in New Braunfels, Heritage Day at the State Fair of Texas, SPJST Car Show and Czech Heritage Day Celebration (Temple and Seaton), Kolache Eating Contests at the Caldwell Kolache Festival and National Polka Festival in Ennis, Slavic Heritage Festival in Houston, Westfest Cultural Amphitheatre Presentation and Horseshoe Tournament, Corpus Christi Get Away Weekend, and Slavic Heritage Festival in Houston.

In June 2007, SPJST organizers coordinated and hosted Texas’ first Legislative Awareness Week at the Texas State Capitol in Austin. That event was repeated in 2009, 2011, and 2013 with the Legislative Awareness Day picnic on the grounds of the Texas State Capitol — each of which has been attended by more than 500 state legislators and staff members. The 2015 event is scheduled for April 14.

—SPJST—

2015 SPJST Life Insurance and Annuity Extra

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Annual Reviews Available To All Members

Thank you for your membership in SPJST. You are a valued part of what makes SPJST a great organization that provides benefits, coverage, and services. These are all

designed to not only provide security and peace of mind to you and your family, but to provide a better quality of life with others who value faith, family, and community.

$500,000

As part of our continued and valued service to our members, SPJST has implemented a program to ensure that your certificate information, such as named beneficiary and insurance coverage, is correct and up-to-date. By reviewing and knowing that your information is current, you can be assured that you are receiving the full value of your mem-

77,000 service hours

bership, and you have peace of mind that your loved ones will receive the care they deserve.

Please take advantage of this service.

SPJST has the most competitive insurance products, annuities and IRAs to meet each family need along with being a fraternal society that recognizes its proud heritage and believes strongly in its youth by teaching patriotism, good citizenship, teamwork and leadership.

And, if you have recommendations for new lodge members, please share them with your Fraternal Field Manager or local SPJST lodge agent. Your name will be entered in SPJST’s monthly drawing contest.

If you have a major life event, you should contact your SPJST agent or the SPJST Home Office. This event in your life may have a significant impact on your insurance needs. Life events or changes may include: • Marriage

• A child or grandchild who is born or adopted • Graduation from school or college

• Fort Hood November 5 Memorial • West Benevolence Fund • Ronald McDonald House • Animal Shelters • Children’s Hospitals • Schools MORE THAN A CENTURY OF SERVICE DEDICATED TO COMMUNITIES A VITAL COMMUNITY ROLE

Insuring & Enriching Lives

Home Office at 520 North Main Street • Temple, Texas • 800-727-7578 • www.spjst.org

• Significant changes in your health or that of your spouse • Death of your spouse • Divorce

• Taking on the financial responsibility of an aging parent • Purchasing a new home

• A loved one who requires long-term care • Refinancing your home

• Coming into an inheritance

For 118 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. All this is possible because of you, our member. If you have questions or need our assistance in any way from the Home Office, please call on us at 800-72-SPJST or 800-7277578. We are here to help you.

—SPJST—

2015 SPJST Life Insurance and Annuity Extra

Tips on buying life insurance

Different types of life insurance The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

Make sure that you fully understand any policy you’re considering and that you’re comfortable with the company, agent, and product. When choosing a product, follow the tips below:

What are the different types of insurance?

There are two basic types of life insurance: permanent and term. Permanent insurance pays your beneficiary whenever you may die; term insurance pays your beneficiary if you die during a specific period of time. The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

What is permanent insurance?

Permanent (cash value) insurance provides lifelong protection as long as premiums are paid. It may build up cash value over time, which grows tax deferred. With all permanent policies, the cash value is different from the face amount. The face amount is the money that will be paid to your beneficiary if you die. Cash value takes time to grow.

But after you’ve held the policy for several years, its cash value can offer you several options:

• You can borrow from the insurer using your cash value as collateral.

• You can get the loan even if you don’t have a good credit history. If you don’t repay the loan (including interest), it will reduce the amount paid to your beneficiaries after your death.

• You can use the cash value to pay your premiums or to buy more coverage.

• You can exchange the policy by using the cash value for an annuity that will provide a steady stream of retirement income for life or a specified period.

• You can cancel (surrender) the policy and receive the cash value in a lump sum. You will pay taxes on the value that exceeds what you’ve paid in premiums.

Basic types of cash value insurance Whole life offers premiums that generally stay fixed over the life of the policy, a fixed death benefit, and cash value that grows at a fixed rate of return.

Universal life gives you flexibility in setting premium payments and the death benefit. Changes must be made within certain guidelines set by the policy; to increase a death benefit, the insurer usually requires evidence of

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• After you’ve bought an insurance policy, you may have a “free-look” period—usually 10 days after you receive the policy—when you can change your mind. During that period, read your policy carefully. If you decide not to keep it, the company will cancel the policy and give you an appropriate refund. Information about the free look period is in your contract.

continued good health. A universal life policy can have a variable component.

What is term insurance?

Term insurance provides protection for a defined period of time—from one year to 10, 20, or even 30 years—and pays benefits only if you die during that period. Term insurance is often used to cover financial obligations that will disappear over time, such as tuition or mortgage payments. Premiums for term insurance either can be fixed for the length of the term or can increase at a point specified in the policy. They also can be less expensive than for a cash value policy.

Some term policies can be renewed at the end of a term. However, premium rates will usually increase upon renewal. To qualify for renewal at the lowest rates, many policies require evidence of insurability (continued good health). At the end of a term, you also may be able to convert the policy to a permanent policy. Term policies don’t usually build up a cash value.

What are the advantages and disadvantages of each type of insurance?

Cash Value Insurance Advantages • Lifelong protections as long as the premiums are paid.

• Premium costs that can be fixed or flexible to meet individual financial needs.

• Cash value, which can be: used to pay premiums or buy more coverage; borrowed against; converted to an annuity; or surrendered for cash.

Cash Value Insurance Disadvantages • Cash value insurance is designed to be kept for the long term; therefore, cancelling a cash value policy after only a few years can be expensive.

Term Insurance Advantages • A policy can cover financial obligations that will disappear over time, such as a mortgage or college expenses.

• Premiums are generally lower than those for cash value insurance at younger ages.

Term Insurance Disadvantages • Provides protection for a specific period of time, not for life.

• Renewing coverage at the end of the term generally means premiums will increase.

• Policies don’t usually build up a cash value.

Source: American Council of Life Insurers, www.acli.com

—SPJST—

• Keep your life insurance policy with your other financial records or legal papers, or anywhere your survivors are likely to look for it. However, don’t keep your policy in your safe deposit box. In most states, boxes are sealed temporarily on the death of the owner, delaying a settlement when funds may be needed most.

• Contact your original company, agent, or financial adviser before cancelling your current policy to buy a new one. If your health has declined, you may no longer be insurable at affordable rates. If you replace one cash value policy with another, the cash value of the new policy may be relatively small for several years.

• If you have a complaint about your insurance agent or company, contact the customer service division of your insurance company. If you’re still dissatisfied, contact your state insurance department. A state insurance department directory is available on www.acli.com.

• Review your policy from time to time or when a major event occurs in your life—such as a birth, job promotion, divorce, remarriage, or retirement—to be sure your coverage is adequate and your beneficiaries are correctly named.

• Visit www.acli.com for more consumer resources and information about life insurance.

Source: American Council of Life Insurers, www.acli.com

—SPJST—

2015 SPJST Life Insurance and Annuity Extra

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Affordable Insurance Options In many cases, the application process can be accomplished in one meeting.

re you and your family adequately covered?

Unless you deal with life insurance regularly, it can be an intimidating and sometimes difficult subject to discuss.

If you haven’t purchased insurance in a while, you may be surprised at the many affordable life insurance options available through your local SPJST sales agent.

The following list provides a brief summary of the insurance options that are available:

A

10-Year Term. A modern term product issued to ages 18 through 75. Premiums are guaranteed for 10 years and can be renewed annually after that to age 95. The death benefit is guaranteed level to age 95. Renewals are guaranteed, even if your health is not perfect! Convertible to permanent coverage prior to age 65 with no health requirements.

15-Year Term. Just like the 10-Year Term, except premiums are level for 15 years. Issued to ages 18 through 70. Convertible to permanent coverage prior to age 65 with no health requirements.

Paid Up at 65 Whole Life. You are covered to age 100, but you only pay premiums to age 65. Cash values are available and continue to grow to age 100.

Enjoy your retirement without life insurance premiums!

10 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 10 years. Issued to ages 0 through 70.

20 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 20 years. Issued to ages 0 through 60.

Single Pay Whole Life. A whole life product available with just one premium. The certificate is then paid-up.

Issued to ages 0 through 80.

Whole Life Universal Life 3. Flexible premium adjustable Universal Life insurance contract with guar20-Year Term. Level premiums for 20 years (guaran- anteed coverage, subject to the payment of minimum teed level for 10). Issued to ages 18 through 65. Just no-lapse guarantee premiums on a cumulative basis. the thing for young families to provide benefits for the Available to ages 0 to 80 years. family while the children are growing up if the breadwinner dies. Convertible to permanent coverage prior Universal Life 3. A flexible protection plan issued to to age 65 with no health requirements. ages 0 through 80 which offers both a guaranteed and current interest rate on the cash value accumulation.

30-Year Term. A very sensible term product! Premiums are level for 30 years (guaranteed level for 20). Is- Annuities. Both qualified (IRA) and non-qualified sued to ages 18 through 55. It is excellent for mortgage are offered to SPJST members. Interest rates are cancellation as well as providing inexpensive coverage posted every week in SPJST’s weekly newspaper, before retirement. Convertible to permanent coverage Vestnik. For current rates, contact the SPJST Home prior to age 65 with no health requirements.

Office, refer to the Vestnik, or visit www.spjst.org.

Whole Life. A whole life product designed for both young and mature applicants that offers affordable premiums and builds cash value.

Final Expense. A whole life plan designed to help with your final expense needs whether you are in perfect health or even have health concerns (not guaranteed issue). Coverage is available on a modified, graded or level death benefit basis. The level death benefit has inflation protection available, to cover final expenses as they increase each year. Available from ages 40 to 80 with premiums payable for life or as a one-time single premium.

In many cases, the insurance application process can be accomplished at your home in one meeting. At other times, it may take an additional visit since the sales agent may need to spend some time assessing the information you provide in the initial meeting before he or she can recommend the appropriate life insurance solution. For more information on the life insurance options available to you, please contact your local lodge sales agent. If you’re not sure who that is, call the SPJST Insurance Department at 800-727-7578, and you will be put in touch with a sales agent in your area. See pages 24 through 31 for a listing of agents.

—SPJST—

Should I buy life insurance through work or on my own?

This isn’t always an either/or question. The answer is often “both.”

Buying through work. Typically, your employer's "basic" life insurance benefit provides coverage equal to one or two times your annual income. Many employers offer the option of purchasing supplemental coverage, often through an automatic payroll deduction.

This is convenient, and you may be able to obtain the extra coverage at a higher rate without having to answer any questions about your health, a big plus if insurability is a concern.

SPJST is here to help you with what you need.

Buying on your own. You can choose from among a wide variety of SPJST products, and you never need to worry about losing coverage if you change jobs. You also may be able to get coverage more affordably. Why? When you buy on your own, the price depends on your health and can be permanent. In a work plan, the rate often depends on the health status of employees in your age bracket and is usually temporary or until retirement age.

Call us for more information 800-72SPJST. —SPJST—

2015 SPJST Life Insurance and Annuity Extra

9

What you should know about buying life insurance Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy.

Getting Started As you prepare to buy a life insurance policy, evaluate your ongoing and future financial needs. To begin, ask yourself some basic questions:

Why do I need to buy life insurance?

If someone depends on you financially, the likelihood is that you need life insurance. Life insurance provides cash to your family after you die. The money your beneficiary receives (the death benefit) can be an important financial resource. It can help cover daily living expenses, pay the mortgage and other outstanding loans, fund tuition, and ensure that your family is not burdened with debt. Having a life insurance policy could mean your spouse or children won’t have to sell assets to pay bills or taxes

(Note: Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy).

Stay-at-home parents also might consider life insurance to help cover the costs of services they routinely provide, such as caring for children and the home. Retirees living on limited income also may find peace of mind knowing that a surviving spouse will not be faced with a financial burden after their death.

How much life insurance do I need?

Everyone’s needs are different. A life insurance agent or financial advisor can help you determine what level of protection is right for you and your family based on your financial responsibilities, sources of income, and savings. There are online calculators that also can help you; however, sitting down with an insurance professional to review your financial information can give you a more personalized view of your needs.

In general, deciding how much life insurance you need means calculating the total income that would need to be replaced upon your death to help pay for your family’s financial needs. Consider ongoing expenses (day care, tuition, rent, or mortgage), immediate expenses (medical bills, burial costs, and estate taxes), and long term financial goals (savings for college education and retirement). Your family also may need money to pay for a move or to cover daily expenses during a job search.

While there is no substitute for evaluating needs based on your own financial information, some experts suggest that if you own a life insurance policy it should pay a benefit equal to seven to 10 times your annual income. Your needs could be higher or lower depending on your unique situation.

Source: American Council of Life Insurers, www.acli.com

—SPJST—

How to purchase insurance: Choosing an agent

The agent should be able and willing to explain the different kinds of policies and other insurance-related matters.

Working With An Agent

What should an agent do for me?

The agent should be able and willing to explain the different types of policies and other insurance-related matters. You should feel satisfied that the agent is listening to you and looking for ways to find the right type of insurance at an affordable price. If you’re not comfortable with the agent, or you aren’t convinced he or she is providing the service you want, interview another agent.

What should I expect during my meeting with an agent?

An agent will begin by discussing your financial needs. You should have basic personal financial information available—along with a general idea of your goals—before you meet or talk with an agent. He or she will ask questions about your family income, other financial resources you might have, and any debts. The agent will be better able to assess your needs with the information you provide.

What types of questions will I be asked?

In addition to questions about finances, be prepared to answer questions about your age, medical condition, family medical history, personal habits, occupation, and recreational activities.

Always answer questions truthfully; a company will use this information to evaluate your risk and set a premium for your coverage. For instance, you’ll pay a lower premium if you don’t smoke; on the other hand, if you have a chronic illness, you can expect a higher premium.

When it’s time to submit a claim, the accurate and truthful answers you provided to the agent will enable your beneficiary to receive prompt and full payment.

When you apply for life insurance, you may be asked to take a medical exam. In many instances, a licensed healthcare professional hired and paid for by the life insurance company will make a personal visit to your home to conduct the exam.

—SPJST—

“Life insurance is a combination of caring, commitment, and common sense.”

—Author, Financial Speaker, and Life Insurance Sales Agent Howard Wight, CLU, ChFC For 118 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism.

Providing personal service backed by a seasoned and knowledgeable Home Office staff and insurance representatives dedicated to quality member services with fraternal ideals.

Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices.

SPJST • PO Box 100 • Temple, Texas 76503 • Home Office at 520 North Main Street in Temple • 800-727-7578 • www.spjst.org

2015 SPJST Life Insurance and Annuity Extra

10

How to purchase insurance: Choosing a policy Examining a Policy

How do I know if a life insurance policy is right for me?

Read the policy carefully to make sure it meets your personal goals. Because

your policy is a legal document, it’s important that you understand exactly what it provides. Ask for a point-by-point explanation for anything that is unclear and make sure the agent explains items you don’t understand.

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 10-Year Term Product Overview

Benefit Description The 10-Year Term has level premiums and death benefit for 10 years. After the initial 10-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Amount: $25,000

Minimum Premium: $10 per month

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings not available for issue ages above 70. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Issue Ages: 18 to 75 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Premiums The premium is guaranteed for the first 10 certificate years. After 10 years, if the certificate is still in force, premiums will increase annually.

If your agent recommends a cash value policy, ask:

• Are the premiums within my budget?

• Can I commit to these premiums over the long term?

Cash value insurance provides protection for your entire life. Cancelling a

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 15-Year Term Product Overview

Benefit Description The 15-Year Term has level premiums and death benefit for 15 years. After the initial 15-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Amount: $25,000

Minimum Premium: $10 per month

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications: • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Issue Ages: 18 to 70 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 15 years, if the certificate is still in force, premiums will increase annually.

15-Year Guarantee - The premium is guaranteed for the first 15 certificate years. After 15 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

cash value policy after only a few years can be a costly way to get short-term insurance protection. If you don’t plan to keep the policy for the long-term, consider another kind of coverage such as

2015 SPJST Life Insurance and Annuity Extra

term insurance.

If you’re considering a term policy, ask: • How long can I keep this policy? If I want to renew it for a specific number

• • • TERM LIFE INSURANCE PRODUCT • • •

of years, or until a certain age, what are the renewal terms?

• Will my premiums increase? If so, will increases start annually or after five

or 10 years?

11

• Can I convert to a cash value policy?

Will I need a medical exam if and when I convert?

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 20-Year Term

SPJST 30-Year Term

Product Overview

Product Overview

Benefit Description The 20-Year Term has level premiums and death benefit for 20 years. After the initial 20-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Benefit Description The 30-Year Term has level premiums and death benefit for 30 years. After the initial 30-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Premium: $10 per month

Minimum Premium: $10 per month

Minimum Amount: $100,000

Minimum Amount: $100,000

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

Issue Ages: 18 to 65 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 20 years, if the certificate is still in force, premiums will increase annually.

20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. After 20 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

Issue Ages: 18 to 55 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Premium Benefit Options 20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. The premium may change after the 20th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 30 years, if the certificate is still in force, premiums will increase annually.

30-Year Guarantee - The premium is guaranteed for the first 30 certificate years. After 30 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

12

• If it has a return of premium benefit, ask: What would the policy cost without this benefit? Will all of the premiums be refunded?

Is a policy illustration a legal document, like a contract?

A policy illustration is not part of the life insurance policy and is not a legal document. Legal obligations are spelled out in the policy contract. A policy illustration, however, can help you understand how a policy works.

What is in a policy illustration?

A policy illustration is meant to provide an example, based on certain assumptions, of how a policy’s costs and benefits may develop over time—including, but not limited to, premium amounts owed, cash values, and death benefits. For a term policy, the illustration extends to the end of the term. With a cash value policy, the illustration extends past your 100th birthday. Your actual costs and benefits could be higher or lower than those in the illustration be-

2015 SPJST Life Insurance and Annuity Extra

cause they depend on the future financial results of the insurance company.

However, when figures are guaranteed, the insurance company will honor them regardless of its financial success.

Ask your agent which figures are guaranteed and which are not. A policy illustration can be complicated. Your agent or financial advisor can explain information you don’t understand.

What should I look for in a policy illustration?

Study the policy illustration to answer the following: • Is my classification (i.e., smoker/nonsmoker, male/female) correct?

• When are premiums due—monthly, annually, or according to some other schedule?

• Which amounts are guaranteed and which are not?

• • • WHOLE LIFE INSURANCE PRODUCT • • • SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Whole Life Product Overview

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings not available for issue ages above 70 or under 18. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine

• Standard Nicotine

Issue Ages: 0 to 80 years

Riders: Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

• Does the policy have a guaranteed death benefit or could the death benefit change depending on interest rates or other factors?

• Does the policy offer dividends or interest credits that could increase my cash value and death benefit or reduce my premium?

• Will my premiums always be the same? Could premiums increase if future interest rates or investment returns are lower than the illustration assumes?

• If the illustration shows that I won’t have to make premium payments after a certain period of time, is there any chance I would have to start making payments again at any time in the future?

After Purchase After purchasing your life insurance policy, keep it with other financial

records or legal papers, or anywhere your survivors are likely to look for it if they need to file a claim. As a precaution, you shouldn’t store a life insurance policy in a safe deposit box. In most states, boxes are sealed temporarily upon one’s death, this could delay the claims process.

Keep your agent’s name and contact information easily accessible. The agent can help your beneficiaries fill out the necessary forms and act as an intermediary with the insurance company.

Review your life insurance policy from time to time to be certain it continues to meet your needs as your circumstances change, such as the birth of a child, a job promotion, divorce, remarriage or retirement. Also, review it to ensure your beneficiaries are correctly named.

—SPJST—

• • • WHOLE LIFE INSURANCE PRODUCT • • • SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Paid Up at 65 Whole Life Product Overview

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable to age 65.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine • Standard Nicotine

Issue Ages: 0 to 55 years

Riders Accidental Death Benefit - Issue ages 0 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70.

Maximum coverage is $300,000.

Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

2015 SPJST Life Insurance and Annuity Extra

13

What SPJST Whole Life Insurance Can Do for You and Your Family at Retirement Retirement has its rewards and benefits.

However, employment benefits usually stop.

SPJST can prepare you and your family for the rewards and benefits of retirement without sacrificing permanent insurance coverage.

Affordability, security, and a permanent benefit completely paid in full is what a Paid Up at Age 65 Whole Life Insurance certificate can do for your peace of mind.

Paid Up at Age 65 Whole Life Insurance Example Male, 34 Female, 34 Standard Non-Nicotine Standard Non-Nicotine $100,000 coverage $100,000 coverage $103.79 per month $90.96 per month

SPJST • PO Box 100 • Temple, Texas 76503 • Home Office at 520 North Main Street in Temple • 800-727-7578 • www.spjst.org

• • • WHOLE LIFE INSURANCE PRODUCT • • • SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

• • • WHOLE LIFE INSURANCE PRODUCT • • • SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Final Expense

SPJST Single Pay Whole Life

Level Benefit and Increasing Benefit

Product Overview

Product Overview

Benefit Description • Fully paid-up life insurance certificate with just one premium payment.

• One of the lowest guaranteed premiums available today on permanent life insurance.

• Guaranteed cash and loan values are immediately available.

• No surrender charge, should you decide to cash in the certificate at any time.

• Fully underwritten product, consistent with company underwriting guidelines.

• The SPJST Single Pay Whole Life plan retains those tax-favored features that have always made traditional life insurance so valuable.

• Your cash values increase on a tax-deferred basis.

• The face amount of a certificate is payable to your beneficiary income taxfree.

• Among others, the SPJST Single Pay Whole Life plan will be of special interest to new members who want to pay only one insurance premium; parents and grandparents; members who want to buy additional permanent insurance at low premium rates; anyone wishing to make a gift of life insurance to a college, church, charitable organization, or to an individual.

Minimum Amount: $5,000

Underwriting Classifications Fully underwritten product, consistent with company underwriting guidelines.

Issue Ages: 0 to 80 years

Riders: Accidental Death Benefit

Benefit Description • Level death benefit whole life certificate to age 100 with either: a) level lifetime payments, or b) a single premium payment.

• Increasing Benefit Option (lifetime pay only)—4% compounded increase beginning in Year 2; maximum of two times original face amount.

Minimum Amount: $5,000

Maximum Amount: $25,000 in force per person Issue Ages: Lifetime Pay—40 to 80 years

Single Pay— • 40 to 80 years...............Male/Female - Non-Nicotine • 40 to 80 years...............Female - Nicotine • 40 to 75 years...............Male - Nicotine

Riders Accidental Death Benefit (lifetime pay only) Waiver of Premium (lifetime pay only)

Underwriting • Simplified underwriting with three-tiered Final Expense application.

• Telephone interview required.

• Level Benefit Plan may be issued if no health issues in parts B, C, or D of application.

2015 SPJST Life Insurance and Annuity Extra

14

How to purchase insurance: Questions about a policy

What happens if I miss a payment?

If you miss a premium payment, you usually have a 30-or 31-day grace period in which to make your payment without consequences. If you die within the grace period, your beneficiary will receive the death benefit minus the overdue premium. However, the policy will lapse (terminate) if you don’t make your payment by the end of the grace period. If you own a cash value policy, your company—with your authorization—can draw from your policy’s cash value to pay the premium. This method of keeping your policy active can work only as long as your cash value lasts.

Do I have any recourse if my policy lapses?

Some life insurance contracts let you reinstate a lapsed policy within a certain time frame. However, you must prove insurability, pay all overdue premiums (plus interest), and pay off any outstanding policy loans.

In addition to the death benefit, are there other features I should be aware of when considering a life insurance policy?

Many policies offer purchase options or riders. Some riders let you buy more insurance without taking a medical exam; others waive premiums if you become disabled. Some policies offer an accidental death benefit that pays an additional amount if death occurs as a result of an accident.

tive. That date may be different from the date the policy is issued.

How is life insurance taxed?

Your beneficiaries will not pay income taxes on death benefits. If you own a cash value policy, you won’t pay

income taxes on the cash value unless you cancel the policy and withdraw the money. Then you’ll pay taxes on the amount that exceeds what you’ve paid in premiums.

—SPJST—

When will my policy take effect?

If you decide to buy a policy, find out when the insurance becomes effec-

• • • WHOLE LIFE INSURANCE PRODUCT • • •

• • • WHOLE LIFE INSURANCE PRODUCT • • •

SPJST 10 Pay Whole Life

SPJST 20 Pay Whole Life

Product Overview

Product Overview

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable for 10 years.

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable for 20 years.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Underwriting Classifications: • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

• Standard Non-Nicotine • Standard Nicotine

Issue Ages: 0 to 70 years

Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70.

Maximum coverage is $300,000.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

• Standard Non-Nicotine • Standard Nicotine

Issue Ages: 0 to 60 years

Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70.

Maximum coverage is $300,000.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

2015 SPJST Life Insurance and Annuity Extra

• • • UNIVERSAL LIFE PRODUCT • • •

15

• • • UNIVERSAL LIFE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Whole Life/Universal Life 3

SPJST Universal Life 3

Product Overview

Product Overview

Benefit Description Flexible premium adjustable universal life insurance contract with guaranteed coverage for the no-lapse guarantee period, subject to the payment of minimum no-lapse guarantee premiums on a cumulative basis. Contains two volume bands: Low Band: $25,000 minimum face amount $99,999 maximum face amount

High Band: $100,000 minimum face amount ($150,000 for preferred non-nicotine issue ages 35 and under)

Underwriting Classifications: • Preferred Non-Nicotine • Standard Non-Nicotine • Standard Nicotine

Death Benefit: Level Death Benefit

Minimum Premium: $15 per month

Interest Rate Through 04/30/2015 Whole Life/Universal Life 3 (plans 1223-1232 with a guaranteed rate of 2.50%) Credited Rate: 3.50%

No-Lapse Guarantee Period: Lifetime (to Maturity Age) Issue Ages: 0 to 80 years 18 to 70 years for Preferred class

Maturity Age: Age 121 (matures for cash value)

Per $1,000 Expense Charge Varies by age, sex, class, and band Applied monthly in years 1 to 20 on a current basis.

Applied monthly in all years on a guaranteed basis.

Premium Loads: 3% of premium during years 1 to 20 on a current basis 3% of premium all years on a guaranteed basis

Modal Premiums Monthly Bank Draft, Quarterly, Semi-Annual, Annual

Premiums The no-lapse guarantee premiums assure that the certificate will remain in force for the lifetime of the insured. As long as the accumulation of the premiums paid at any point in time (minus certificate loans and withdrawals) equals or exceeds the minimum premiums due at that point in time, the certificate is prevented from lapsing. An additional premium is required for an optional rider.

Surrender Charges A surrender charge applies during the first 18 certificate years and is zero thereafter. Surrender charges are an amount per $1,000 of specified amount which varies by issue age, gender, underwriting classification, and certificate year.

Guaranteed Interest Rate: 2.50%

Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday.

Waiver of Premium - Issue ages 18 to 55 years; the Society credits a payment amount to the certificate each month for period of disability if insured is totally disabled prior to age 60. The payment amount is equal to the Total Guaranteed No-Lapse Monthly Premium.

Benefit Description Flexible premium adjustable universal life insurance contract with guaranteed coverage for five years, subject to the payment of minimum no-lapse premiums on a cumulative basis. Contains two volume bands: Low Band: $25,000 minimum face amount $99,999 maximum face amount

High Band: $100,000 minimum face amount ($150,000 for preferred non-nicotine issue ages 35 and under)

Underwriting Classifications • Preferred Non-Nicotine • Standard Non-Nicotine • Standard Nicotine

Interest Rate Through 04/30/2015 Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.00%

Death Benefit Options Option A — Level Death Benefit Option B — Increasing Death Benefit. Death benefit includes cash value

Minimum Premium:

$15 per month

Issue Ages: 0 to 80 years 18 to 70 years for Preferred class Maturity Age: 95 (matures for cash value)

Modal Premiums: Monthly Bank Draft, Quarterly, Semi-Annual, Annual

Target Premiums The target premium is the recommended level annual premium. It may be sufficient to keep the certificate in force to age 95. It is not guaranteed.

Minimum Premiums During the no-lapse period, the certificate is guaranteed not to lapse if at least the minimum no-lapse premium is paid and remains in the certificate.

If only the minimum premium is paid, the certificate is only guaranteed to stay in force for 5 years.

No-Lapse Period: 5 years

Surrender Charges For issue ages 0 to 76, a surrender charge applies during the first 18 certificate years and is zero thereafter. For issue ages 77 and above, a surrender charge applies during the first 14 certificate years. Surrender charges are an amount per $1,000 of specified amount which varies by issue age, gender, underwriting classification, and certificate year.

Guaranteed Interest Rate: 2.50%

Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday.

Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly cost of insurance and riders plus administrative costs for period of disability if insured is totally disabled prior to age 60.

Guaranteed Insurability - Issue ages 0 to 37; sold in amounts of $5,000, $10,000, $15,000, or $25,000. Depending on amount purchased, allows insured to purchase additional insurance at election dates at ages 25, 28, 31, 34, 37, and 40 without proof of insurability. Rider terminates at age 40.

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What is an annuity?

In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term “annuity” relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.

There are many categories of annuities. They can be classified by:

Lifetime income A lifetime immediate annuity converts an investment into a stream of payments that last as long as you do. In concept, the payments come from three “pockets”: Your investment, investment earnings and money from a pool of people in your group who do not live as long as actuarial tables forecast. It’s the pooling that’s unique to annuities, and it’s what enables annuity companies to be able to guarantee you a lifetime income.

• Nature of the underlying investment – fixed or variable • Primary purpose – accumulation or pay-out (deferred or immediate)

• Nature of pay-out commitment – fixed period, fixed amount, or lifetime

• Tax status – qualified or nonqualified

• Premium payment arrangement – single premium or flexible premium.

An annuity can be classified in several of these categories at once. For example, you might buy a nonqualified single premium deferred variable annuity.

In general, annuities have the following attractive features:

Tax deferral on investment earnings Many investments are taxed year by year, but the investment earnings— capital gains and investment income— in annuities aren’t taxable until you withdraw money. This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity. Moreover, the minimum withdrawal requirements for annuities are much more liberal than they are for 401(k)s and IRAs.

Protection from creditors If you own an immediate annuity (that is, you are receiving money from an insurance company), generally the most that creditors can access is the payments as they’re made, since the money you gave the insurance company now belongs to the company.

Some state statutes and court decisions also protect some or all of the payments from those annuities. And your money in tax-favored retirement plans, such as IRAs and 401(k)s, are generally protected, whether invested in an annuity or not.

An array of investment options, including “floors” Many annuity companies offer a variety of investment options. You can invest in a fixed annuity which would credit a specified interest rate, similar to a bank Certificate of Deposit (CD).

Why should I consider purchasing an annuity?

Annuities can serve many useful purposes.

If you are in a saving-money stage of life, a deferred annuity can:

• Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to these plans and to IRAs are limited, and they might not add up to enough for the retirement income you need, es-

investments periodically to return them to the proportions that you determine represent the risk/return combination most appropriate for your situation.

pecially if you started saving for retirement late or had contributions interrupted—perhaps due to job changes and/or family responsibilities. Moreover, your social security and definedbenefit pension (if you have one) may provide less than you need to retire.

Remember that the purchasing power of defined-benefit pension income is eroded by inflation.

• Help you diversify your investment portfolio. Investment experts routinely

If you buy a variable annuity, your money can be invested in stock or bond (or other) mutual funds. In recent years, annuity companies have created various types of “floors” that limit the extent of investment decline from an increasing reference point. For example, the annuity may offer a feature that guarantees your investment will never fall below its value on its most recent policy anniversary.

Tax-free transfers among investment options In contrast to mutual funds and other investments made with “after-tax money,” with annuities there are no tax consequences if you change how your funds are invested. This can be particularly valuable if you are using a strategy called “rebalancing,” which is recommended by many financial advisors. Under rebalancing, you shift your

advise that, to get the best return for a given level of risk, you should diversify your investments among a number of asset classes. Fixed annuities, in particular, offer a unique asset class—an investment that is guaranteed not to decrease and that will actually increase at a specified interest rate (and, often, potentially more). The guarantees are supported by the claims-paying ability of the insurer.

• Help you manage your investment portfolio. Investment experts routinely advise that, whenever your investments in various asset classes get too far from the percentage allocations you prefer,

Benefits to your heirs There is a common misconception about annuities that goes like this: if you start an immediate lifetime annuity and die soon after that, the insurance company keeps all of your investment in the annuity. That can happen, but it doesn’t have to. To prevent it, buy a “guaranteed period” with the immediate annuity. A guaranteed period commits the insurance company to continue payments after you die to one or more beneficiaries you designate; the payments continue to the end of the stated guaranteed period—usually 10 or 20 years (measured from when you started receiving the annuity payments). Moreover, annuity benefits that pass to beneficiaries don’t go through probate and aren’t governed by your will.

(Source: Insurance Information Institute, http://www.iii.org/ individuals/annuities/)

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you “rebalance” to the original formulation, by shifting funds from the classes that have grown faster to the ones that have grown more slowly. If you do this with mutual funds, you pay capital gains taxes; if you do it in a variable annuity, you don’t pay capital gains taxes. When you eventually withdraw money from the annuity (which could be many years after the rebalancing), you pay tax then at the ordinary income rate.

If you are in a need-income stage of life, an immediate annuity can: • Help protect you against outliving your assets. Social security pays retire-

ment income for as long as you live, as do defined-benefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity.

• Help protect your assets from creditors. Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since

2015 SPJST Life Insurance and Annuity Extra

the money you gave the insurance company now belongs to the company.

Some state statutes and court decisions also protect some or all of the payments from those annuities.

How are annuities different from life insurance?

Both annuities and life insurance should be considered in your long-term financial plan. While both include

What are the different types of annuities: fixed vs. variable

(Source: Insurance Information Institute, http://www.iii.org/individuals/annuities/)

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death benefits, you buy life insurance in the event you die too soon and an annuity in case you live too long.

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In other words, life insurance provides economic protection to your loved ones if you die before your financial obligations to them are met, while annuities guard against outliving your assets.

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Comparing Deferred and Immediate Annuities

There are two main types of annuities—deferred and immediate—and two main types of life insurance—term and whole life.

(Article and Chart Source: Insurance Information Institute, http://www.iii.org/articles/how-are-annuities-different-from-life-insurance.html)

In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth of the annuity’s value and/or the benefits paid may be fixed at a dollar amount or by an interest rate, or they may grow by a specified formula. The growth of the annuity’s value and/or the benefits paid does not depend directly or entirely on the performance of the investments the insurance company makes to support the annuity. Some fixed annuities credit a higher interest rate than the minimum, via a policy dividend that may be declared by the company’s board of directors, if the company’s actual investment, expense and mortality experience is more favorable than was expected. Fixed annuities are regulated by state insurance departments.

Money in a variable annuity is invested in a fund—like a mutual fund but one open only to investors in the insurance company’s variable life insurance and variable annuities. The fund has a particular investment objective, and the value of your money in a variable annuity—and the amount of money to be paid out to you—is determined by the investment performance (net of expenses) of that fund. Most variable annuities are structured to offer investors many different fund alternatives. Variable annuities are regulated by state insurance departments and the federal Securities and Exchange Commission.

Types of Fixed Annuities An equity-indexed annuity is a type of fixed annuity, but looks like a hybrid. It credits a minimum rate of interest, just as a fixed annuity does, but its value is also based on the performance of a specified stock index—usually computed as a fraction of that index’s total return.

A market-value-adjusted annuity is one that combines two desirable features—the ability to select and fix the time period and interest rate over which your annuity will grow, and the flexibility to withdraw money from the annuity before the end of the time period selected. This withdrawal flexibility is

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achieved by adjusting the annuity’s value, up or down, to reflect the change in the interest rate “market” (that is, the general level of interest rates) from the start of the selected time period to the time of withdrawal.

2015 SPJST Life Insurance and Annuity Extra

What is the difference between a fixed and variable annuity?

Fixed annuities pay a “fixed” rate of return. When you receive payments, the monthly payout is a set amount and is guaranteed. Fixed annuities may be a good choice for:

Other Types of Annuities All of the following types of annuities are available in fixed or variable forms.

Deferred vs. immediate annuities A deferred annuity receives premiums and investment changes for payout at a later time. The payout might be a very long time; deferred annuities for retirement can remain in the deferred stage for decades.

An immediate annuity is designed to pay an income one time-period after the immediate annuity is bought. The time period depends on how often the income is to be paid. For example, if the income is monthly, the first payment comes one month after the immediate annuity is bought.

Fixed period vs. lifetime annuities A fixed period annuity pays an income for a specified period of time, such as 10 years. The amount that is paid doesn’t depend on the age (or continued life) of the person who buys the annuity; the payments depend instead on the amount paid into the annuity, the length of the payout period, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the pay-out period.

A lifetime annuity provides income for the remaining life of a person (called the “annuitant”). A variation of lifetime annuities continues income until the second one of two annuitants dies. No other type of financial product can promise to do this. The amount that is paid depends on the age of the annuitant (or ages, if it’s a two-life annuity), the amount paid into the annuity, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the expected pay-out period.

With a “pure” lifetime annuity, the payments stop when the annuitant dies, even if that’s a very short time after they began. Many annuity buyers are uncomfortable at this possibility, so they add a guaranteed period—essentially a fixed period annuity—to their lifetime annuity. With this combination, if you die before the fixed period ends, the income continues to your beneficiaries until the end of that period.

• Conservative investors who value safety and stability.

Qualified vs. nonqualified annuities A qualified annuity is one used to invest and disburse money in a tax-favored retirement plan, such as an IRA or Keogh plan or plans governed by Internal Revenue Code sections, 401(k), 403(b), or 457. Under the terms of the plan, money paid into the annuity (called “premiums” or “contributions”) is not included in taxable income for the year in which it is paid in. All other tax provisions that apply to nonqualified annuities also apply to qualified annuities.

A nonqualified annuity is one purchased separately from, or “outside of,” a tax-favored retirement plan. Investment earnings of all annuities, qualified and non-qualified, are tax-deferred until they are withdrawn; at that point they are treated as taxable income (regardless of whether they came from selling capital at a gain or from dividends).

Single premium vs. flexible premium annuities A single premium annuity is an annuity funded by a single payment. The payment might be invested for growth for a long period of time—a single premium deferred annuity—or invested for a short time, after which payout begins—a single premium immediate annuity. Single premium annuities are often funded by rollovers or from the sale of an appreciated asset.

A flexible premium annuity is an annuity that is intended to be funded by a series of payments. Flexible premium annuities are only deferred annuities; that is, they are designed to have a significant period of payments into the annuity plus investment growth before any money is withdrawn from them.

(Source: Insurance Information Institute, http://www.iii.org/articles/what-are-the-different-types-of-annuities.html)

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• Those nearing retirement age who want to shelter their assets from the volatility of the stock or bond market.

With variable annuities, you can invest in a variety of securities including stock and bond funds. Stock market performance determines the annuity's value and the return you will get from the money you invest. The amount of risk you are willing to assume should

influence the kind of funds you select.

You may want to consider a variable annuity if you are:

• Comfortable with fluctuations in the stock market and want your investments to keep pace with inflation over a long period of time.

• Young and want to prepare financially for retirement by reaping the gains in the stock or bond market over the long term.

(Source: Insurance Information Institute, http://www.iii.org/articles/what-is-the-difference-between-a-fixed-and-variableannuity.html)

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What are deferred and immediate annuities?

Deferred Annuity This type of annuity is good for long-term retirement planning for the following reasons: • Payments on income taxes are deferred until you withdraw the money.

• Unlike a 401(k) or an IRA, there are no limits on your annual annuity contributions.

• There is a death benefit. If you die before collecting on the annuity, your heirs get the amount you contributed, plus investment earnings, minus whatever cash withdrawals you made.

Immediate Annuity This allows you to convert a lump sum of money into an annuity so that you can immediately receive income.

Payments generally start about a month after you purchase the annuity. This type of annuity offers financial security in the form of income payments for the rest of your life. In other words, you cannot outlive it.

Immediate annuities allow you to:

• Supplement your current income.

If you are nearing retirement, you may consider transferring another savings or investment account into an immediate annuity. You can also move the proceeds from a deferred annuity into an immediate annuity.

• Pay taxes only on the portion of your immediate annuity payments that is considered earnings. You are not taxed on the portion that is principal.

The principal is the initial deposit made with funds that have already been taxed.

Like deferred annuities, immediate annuities can be fixed or variable.

Fixed immediate annuity income payments are pegged to the amount you contribute, your age and the interest rate at the time of purchase. Those payments to you will not go up or down.

Variable immediate annuity payments vary with the investments you chose.

(Source: Insurance Information Institute, http://www.iii.org/articles/what-are-deferredand-immediate-annuities.html)

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2015 SPJST Life Insurance and Annuity Extra

How much should I invest in an annuity?

Unlike a 401(k) or an IRA, there are no limits on the amount that you can invest in an annuity.

Whether you’re considering a deferred or immediate annuity, the amount of money you should consider putting into an annuity depends on: • Your immediate actual and potential financial needs • Your long-term financial goals

• Your current savings/investment portfolio

• The range of alternatives available to you Of these, the most important is your immediate actual and potential finan-

cial needs. If you’re buying a deferred annuity and you have a sudden need for cash, you can usually withdraw a small amount without penalty. However, you’ll likely pay a penalty if you make a large withdrawal within a few years after you’ve bought the annuity. If you’re buying an immediate annuity, you usually can’t get any more than the regular payments, no matter how badly you need cash. However, if you have other sources of cash that are sufficient for any emergency or unforeseen needs, then the immediate needs criterion is satisfied and the other criteria become more important.

(Source: Insurance Information Institute, http://www.iii.org/articles/how-much-should-iinvest-in-an-annuity.html)

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What is a “free-look” provision?

Most state insurance departments require insurance companies to provide a “free-look” period after you have purchased the policy. It is typically a 10-day span in which you can pull out of the contract and obtain a refund based on contract terms or state law.

You should use this time to review the policy, ask your insurance agent or

stockbroker any additional questions and make a final decision as to whether the annuity you selected was right for you.

(Source: Insurance Information Institute, http://www.iii.org/articles/what-is-a-free-lookprovision.html)

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What are surrender fees?

If you take money out of an annuity, there may be a penalty called a surrender fee or a withdrawal charge. This fee is higher if you withdraw funds within the first years of an annuity contract. The penalty, however, drops gradually each year. Since immediate annuities are purchased to provide income, they usually can’t be “surrendered” and will therefore not be subjected to a fee.

A typical surrender fee schedule could be: • 7 percent if you withdraw funds in the first year, • 6 percent in the second year, • 5 percent in the third year, • 4 percent in the fourth year, • 3 percent in the fifth year, • 2 percent in the sixth year, • 1 percent in the seventh year, and • 0 in the eighth year and beyond.

The purpose of the fee is to allow the insurer enough time to recover its expenses, largely commissions, in setting up the annuity contract. It also serves to discourage annuity buyers from using deferred annuities as shortterm investments for quick cash.

Some contracts may permit you to pull out a portion of the funds annually, usually up to 10 percent without a surrender charge. If this option is important to you, ask your insurance agent or company representative about this before deciding to invest your money in a specific annuity. Also, ask if there may be any other fees or charges.

(Source: Insurance Information Institute, http://www.iii.org/articles/what-are-surrenderfees.html)

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SPJST Annuities Straight Annuity • 5-Year Annuity • 10-Year Annuity Single Premium Annuity • Traditional IRA • Roth IRA

What is an SPJST Annuity?

An annuity is a contract between the member and SPJST. The object of an annuity is cash accumulation. Annuities are not life insurance. An annuity has a beneficiary provision, but the only benefit paid at death is the total of the funds accumulated at that point, unless other provisions have been made.

The member contributes funds to the SPJST annuity in lump sums or premiums over time. These funds accumulate tax-deferred compound interest until a specified maturity date. At maturity, the member can receive the funds either in a lump sum, payments over a certain time period, or even equal payments guaranteed for the rest of the member’s life.

Two Types of Annuities are available: Deferred or Immediate.

Deferred annuities enable the member to contribute funds through tax-deferred accumulation over a period of time. This is called the accumulation period. The accumulation period continues until the maturity date, at which time the payout period begins. The maturity date is usually set at age 65 or later, but can be changed at any time.

After the maturity date, the payout period is when SPJST distributes the accumulated funds to the member according to the member’s wishes, whether it is a lump sum, distributions for a set period of time, or lifetime options that the member cannot outlive.

SPJST has three deferred annuities: Flexible Premium Annuity 5-Year Annuity 10-Year Annuity

The Flexible Premium Annuity accumulates interest that is reviewed quarterly, but can never go below a guaranteed minimum rate. The 5-Year Annuity and 10-Year Annuity have guaranteed locked-in rates for a full five years or 10 years.

Immediate annuities work just like deferred annuities except there is no accumulation period. The member contributes a lump sum of funds ($10,000 minimum), and the payout period begins immediately.

SPJST Annuities offer benefits not found in other tax-qualified plans

{such as 401(k) plans}. First, there is no IRS contribution limitation. SPJST members can contribute any amount (within reason) to an annuity. Second, SPJST annuities do not require vesting.

SPJST guarantees that the total amount of funds (principal plus interest) will be paid directly to the beneficiary upon the death of the member in the accumulation period.

SPJST Flexible Annuities are used to fund Individual Retirement Arrangements (IRA), both Traditional and Roth. More IRA information follows in this section.

••••••••••••

All Flexible Annuities Straight Annuity Traditional IRA Roth IRA

Eligibility Requirements SPJST members (life insurance certificate holders) are eligible and may purchase an annuity with a $100 minimum contribution.  Exceptions Any individual under 70 years of age must apply for an SPJST life insurance certificate, but if uninsurable or rated above standard, the individual may become a member with the purchase of an annuity in an amount of $1,000 minimum.

Any individual under 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $5,000 minimum.

Any individual over 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $1,000 minimum.  Issue Ages Flexible Premium Annuity 0 to 85 years Single Premium Immediate 0 to 90 years Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70, agent commissions will be affected.

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Current Minimum Guaranteed Interest Rate: 1.50% as of March 25, 2015 Current Interest Rate: 3.00% as of March 25, 2015

Withdrawals or Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first seven certificate years (or the maturity date).

The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year —10% 2nd year—9% 3rd year—8% 4th year —7% 5th year—6% 6th year—4% 7th year—2% 8th year and later—No Charge

Free Withdrawal The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

The member may withdraw up to 50 percent of the total accumulated amount in the annuity within 90 days of either of the following events with no SPJST penalty: Total Disability and/or Nursing Home Residency.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

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Interest Rates Through 04/30/2015 Annuity 5 (plans 8032-8039 with a 1.50% guaranteed rate) Credited Rate: 3.00% Annuity New 5-Year (plans 8040-8041 with a 1.50% guaranteed rate) Credited Rate: 3.00%

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SPJST 5-Year Annuity

Eligibility Requirements Same as Flexible Annuities

SPJST 10-Year Annuity

Eligibility Requirements Same as Flexible Annuities.

Issue Ages 0 to 90 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected.

Issue Ages 0 to 85 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected.

Current Interest Rate Similar to Certificates of Deposit, the 5-Year Annuity rates change periodically, but once a member opens a 5Year Annuity, the then-current rate will be locked in for five years.

Current Interest Rate Similar to Certificates of Deposit, the 10-Year Annuity rates change periodically, but once a member opens a 10-Year Annuity, the then-current rate will be locked in for 10 years.

Current Minimum Guaranteed Interest Rate: 1.50% as of March 25, 2015

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first five certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year—8% 2nd year—7% 3rd year—6% 4th year—5% 5th year—4% End of 5th Year—No Charge

At the end of the fifth year, the member may choose to withdraw funds, or simply let the annuity renew for another 5-Year Annuity with the then-current rates and SPJST withdrawal charges.

Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

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Current Minimum Guaranteed Interest Rate: 1.00% as of March 25, 2015

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first 10 certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year—9% 2nd year—9% 3rd year—8% 4th year—7% 5th year—6% 6th year—5% 7th year—4% 8th year—3% 9th year—2% 10th year—1% End of 10th Year—No Charge

At the end of the 10th year, the Member may choose to withdraw funds, or simply let the annuity renew for another 10-Year Annuity with the then-current rates and SPJST withdrawal charges.

Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

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Annuity Payout Options and Taxation

IRS Penalties and Taxation If funds are withdrawn during the accumulation period, they may be subject to the SPJST Withdrawal Charges mentioned previously as well as IRS taxes and penalties. Any funds withdrawn from an annuity during the accumulation period will be considered interest (pre-tax funds) first and therefore taxable income in the year withdrawn. If the annuitant is under age 59 1⁄2 during that tax year, IRS also levies a 10 percent penalty on the pre-tax amount. Only after all the pre-tax funds are withdrawn would the annuitant get to the principal (after-tax funds) which are never taxed or penalized from IRS. Please remember that IRS penalties are separate and independent of SPJST Withdrawal Charges.

IRS penalties and taxation concerning Traditional IRA and Roth IRA plans are covered later in this section.

Non-Lifetime Options

Distributions under these options are made irrespective of anyone living or dying.

• Lump Sum Distribution One single distribution paid to the annuitant. The terms of the contract are completed, and the annuity is terminated at that time.

• Period Certain Distributions are spread out in equal amounts over a given time period (5, 10, 20 years, etc.) during which time all principal and interest is exhausted.

• Amount Certain Distributions are made according to a specific payment amount ($1,000, $2,000, etc.) during which time all principal and interest is exhausted.

Lifetime Options

These options all pay the annuitant an income for life in any case. The options differ in what happens after the annuitant’s death. Different options result in different income amounts. Once an option is chosen and distributions begin, it cannot be changed.

• Straight Line Income Option Also called Straight Life Annuity or Life Annuity, this option provides regular and equal distributions for the lifetime of the annuitant, no matter how long (or short) the annuitant lives. When the annuitant dies, distributions stop. There are no more distributions even if the annuitant died with principal funds left in the annuity. This option pays the highest net distribution amount of all lifetime options.

• Refund Option This option pays lifetime distributions to the annuitant, but if the annuitant dies before receiving the principal paid in, the remainder of the principal is paid to a beneficiary; either in a lump sum or in equal installments until the total of distributions equals the original principal amount when distributions began.

This option typically pays the lowest net distribution amount of all lifetime options.

• Life with Certain Period This option pays lifetime distributions to the annuitant, but if the annuitant dies within a specified period stated in the agreement (5 years, 10 years, 20, years, etc.), the

2015 SPJST Life Insurance and Annuity Extra

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Isn’t it time to review your current Life Insurance coverage?

By reviewing and knowing that your information is current, you have peace of mind that your loved ones will receive the care they deserve, and you can be assured that you are receiving the full value of your membership.

Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices.

SPJST • PO Box 100 • Temple, Texas 76503 • 800-727-7578 • www.spjst.org

annuitant’s beneficiary would continue to receive the same distribution for the remainder of that period.

Example: If the annuitant chose Life with 20 Years Certain and died four years later, the annuitant’s beneficiary would continue to receive the distributions for the remaining 16 years. If the annuitant lives past the certain period, distributions would cease when the annuitant dies. This is the most popular lifetime option.

• Joint and Survivor Option This option pays distributions to two people (usually couples) for as long as both shall live. When the first person dies, the survivor continues to receive distributions for the rest of the survivor’s life. When the survivor dies, distributions cease. Depending on the option taken, the survivor may continue to receive the full distribution, two-thirds or onehalf of the distribution.

SPJST Youth Program Aims High Program addresses social needs, civic responsibilities.

To build character among the young and to pursue educational, patriotic, social, and athletic recre-

ation. Those are the goals of SPJST’s statewide youth program.

On an annual basis, youth clubs from 30 lodges across the state sponsor a wide range of social activities, community service projects and charity projects. It’s about having fun, but it’s also about contributing to the welfare of the people of Texas.

The educational aspect of the SPJST Youth Program is an integral part of local youth club activities. State and local programs address a range of areas, including human relations, nature, parliamentary procedure, juvenile decency, arts and crafts, the fine arts, music, dramatics and Czech tradition. Youth club members range from grades kindergarten to high school senior.

The patriotic program consists of ceremonial rituals and an annual essay contest. The objective is to teach the operation of a free democratic society and majority rule. The social program includes parties, dances, picnics, pageants, hay rides, and family group activities.

Summer Camp SPJST also makes summer camping trips available to its active young members. To be eligible to attend camp at no charge, youth members must attend seven

out of 12 youth meetings or seven out of 12 adult lodge meetings, if the lodge does not have a youth club. Any youth who initially joins a youth club and is not able to make seven meetings can pay a fee determined by the DYC to attend camp. Youth members must also attend a majority of the youth activities in the youth club or lodge. Non-active youth members may attend camp for a fee determined by the District Youth Counselor.

State Youth Achievement Day In addition to the camp program, the SPJST offers its youth a program which encourages participation in various individual and group contests. The program culminates with the State Youth Achievement Day (YAD) and Royalty Contest held on a statewide basis on the first Saturday in August. The crowning moment of SPJST’s royalty competition is the coronation of the king and queen who are selected on the basis of a speech during which they are scored on content, delivery and overall presence. All of the individuals who compete for the honor are winners in their own right, having been selected to represent their respective districts as king and queen candidates.

More than 500 youth and adults from across the state are expected to be at the Frank W. Mayborn Civic and Convention Center on Saturday, August 1 to participate in the 2015 SPJST State YAD and State Royalty Con-

Lifetime Option Taxation

Taxation on a Lifetime Option is based on the exclusion ratio. It is based on funds expected to be received by the time the annuitant reaches life expectancy according to IRS tables.

Funds paid in excess of this ratio are considered taxable income. If the annuitant lives to the pre-determined life expectancy age, then all future distributions will be considered 100 percent taxable income in the year received.

—SPJST—

test. The day’s competition covers talent, speech, handicrafts, foods, and educational projects.

SPJST’s youth program is a cooperative effort that reflects the great potential of SPJST — young and old — working together to achieve common goals and enjoying life together.

Information on local lodge youth clubs may be obtained by contacting your local lodge, District Youth Counselor, State Youth Director at 800-727-7578, or by visiting www.spjst.org.

H H H 2014-2015 SPJST State Royalty H H H Left to right are Duke Kade Junek and King Nikolas Faust, both of Lodge 9, Snook, and Queen Denae Bronikowski and Duchess Cheyenne Parker, both of Lodge 88, Houston.

22

2015 SPJST Life Insurance and Annuity Extra

SPJST Scholarships and Grants 100 Pennies Scholarship Fund Drive O ne of the benefits that SPJST c/o SPJST Home Office makes available to its members is a

competitive scholarship program.

The Scholarship/Grant Program is meant to encourage and assist members to further their education and to help them achieve career goals.

SPJST General Scholarships were established in 1982 for all SPJST members.

General Scholarships are funded by SPJST contributions and endowments and voluntary contributions. Accordingly, the more funds available, the more scholarships awarded.

Leadership Grants were established in 1996 for active youth club members and are funded solely through allocations by the Supreme Lodge.

100 Pennies Scholarship Fund Drive The annual SPJST 100 Pennies Scholarship Fund Drive commences on October 1 each year and continues through March 31. Donations are tax deductible and 100 percent of the amount that is contributed is applied toward scholarships. Acknowledgement of individual donations will be published in the Vestnik. To contribute, send your check to:

PO Box 100 Temple, Texas 76503

In addition to the 100 Pennies Scholarship Fund Drive, SPJST maintains a Memorial Scholarship Fund.

Names of contributors and the individual being honored are published in the Vestnik.

Applicants must have an active SPJST life insurance certificate in force for one year and hold an active SPJST life insurance certificate for the duration of the scholarship or grant. All SPJST Scholarship/Grant recipients must attend an accredited two-or four-year college, university, or technical college on a full-time basis, as determined by the college or university, and carry a normal academic load without interruption and in agreement with the college calendar. Their personal and academic standards must remain satisfactory to the college and to the committee.

For additional information regarding the SPJST Scholarship/Grant Program, including deadlines for requesting and submitting applications, please contact the SPJST President’s Office at 800-727-7578.

SPJST Mortgage Loan Program The basic philosophy underlying the mortgage program offered Y our home is a major invest- through thelending SPJST is that through joint

ment, and it takes routine maintenance and upgrades to keep it looking good and maintaining its value.

And speaking of value, here’s something else you’ll want to consider: An SPJST Home Loan. If you are purchasing a home or want to remodel your current home, have at least 25 percent down or equity in your home, you could be in line to save plenty.

Pay Now, Save Later Something to consider: Unlike most commercial institutions, SPJST does not sell its mortgage notes to other financial institutions. Should you have a question, you know who to call.

effort and mutual self-interest, individuals and families may collectively achieve objectives unattainable by acting alone.

In order to be considered for a mortgage loan with SPJST, you or your spouse must be a member of the Society. Likewise, each immediate family is subject to a maximum financing limitation of $500,000.

SPJST currently offers home, farm, and commercial mortgages with notes ranging up to 30 years. For a free packet to see how you can save when making a new loan or refinancing through the SPJST, please contact the SPJST Mortgage Loan Department at 800-727-7578.

Interest Rates Through 04/30/2015 Farm/commercial property rates are subject to change without notice.

Call the SPJST Home Office 800-727-7578.

Farm/Commercial Property Rates

75% Owner Farm Property 4.75% for 1 to 30 years Commercial Property 6.00% for 1 to 10 years 6.25% for 11 to 15 years

For Residential Property Rates, contact the SPJST Mortgage Loan Department or see the Vestnik.

SPJST supports established, fledgling charities

S.P.J.S.T. Rest Homes For more than 50 years, SPJST has been a strong supporter of S.P.J.S.T. Rest Homes in Taylor and Needville, Texas. The S.P.J.S.T. Rest Homes operate communities of care in Taylor and Needville, Texas. S.P.J.S.T. is a nonprofit organization whose goal is to provide outstanding health care and customer service to its guests.

The first nursing community in Taylor, Texas, was opened in 1957. This community has 74 beds. A second

nursing community of 58 beds was opened in Needville, Texas, in 1972. In December 2003, a 24-bed assisted living community was opened in Taylor, Texas. Expansion of the assisted living community took place in 2009 with the addition of 36 additional apartments.

For more information, please call 512-352-7209 or visit www.spjstresthomes.com.

SPJST Education and Nature Center (ENC) at Cooper Farm For more than 40 years, an exciting fraternal idea — the quest to establish a family oriented educational and nature center remained an elusive dream.

The SPJST Education and Nature Center (ENC) is now bringing that vision to life. The mission of SPJST ENC, as established in year 2000 by the dele-

gates to the 28th SPJST Convention, is multifaceted: To provide for use by the general public for education in the areas of nature, conservation, environmental matters, fitness and health, culture, patriotic, family living, and history.

Through a long-term lease agreement with Lower Colorado River Authority and with funding from SPJST, the SPJST ENC opened for operations in 2010. The first full year of operations was in 2011. Already, the facility has provided recreation and nature training facilities for numerous fraternal groups, religious, school, civic and environmental groups.

Located approximately 70 miles east of Austin, near Fayetteville and La Grange, this picturesque region touches the heart of early Czech settlement in Texas where SPJST was

founded in 1897. Cooper Farm serves as the base of operations for SPJST Education and Nature Center. SPJST ENC operates a camping and education facility on the property with sleeping accommodations for 180 people, many outdoor activities, and an air-conditioned dining hall. Individuals or organizations seeking naming rights to Cooper Farm facilities and attractions

are encouraged to visit with ENC personnel and schedule a visit to the property.

Cooper Farm is a 501(c)(3) nonprofit organization, and all donations are tax deductible. For more information on SPJST ENC including giving opportunities, please contact the ENC directly at 979-249-5674 or visit them online at www.cooperfarm.org. Mail donations to: SPJST Education and Nature Center at Cooper Farm 2001 Waldeck Road Ledbetter, Texas 78946

Czech Heritage Museum and Genealogy Center In the 1950s, several Czech organizations began discussing the possibility of having a Czech history museum.

During the 1960s, an effort began to collect books and artifacts pertaining to Czech history and immigration to America, and in 1971, the first museum was opened in the new SPJST Home Office in Temple, Texas.

By 1981, the museum had outgrown its place and was moved to the basement of the SPJST building. In 2000, SPJST convention delegates voted to make the museum a separate entity and be moved to a new location. On February 12, 2010, a ribbon was cut to officially open the Czech Heritage Museum at Third Street and French Avenue in Temple.

The building in which the museum is housed was originally built by Dr. H. B. Mason in 1930 as one of the first “shopping centers” in Temple. The building is distinguished by the Art Deco/Spanish style exterior, which was maintained during reconstruction.

The genealogy library contains the largest Czech genealogy collection in the state of Texas, as well as a computer bank for Internet research. The museum is a 501(c)(3) non-profit organization, and donations are tax deductible.

For more information, including museum hours and current attractions, please call 254-899-2935 or visit www.czechmuseum.org. Mail donations to: Czech Heritage Museum and Genealogy Center 119 West French Avenue Temple, Texas 76501 —SPJST—

2015 SPJST Life Insurance and Annuity Extra

23

SPJST Endowed and Sponsorship Scholarship Opportunities

SPJST scholarships are funded by the Supreme Lodge and contributions

by SPJST members through the 100 Pennies Scholarship Drive and memorial donations. Accordingly, the more funds available, the more scholarships awarded. “It all adds up and the end result is a great and positive difference,” says Supreme Lodge President Brian Vanicek.

SPJST Endowed Scholarships Donors who wish to make a positive difference in the life of a young person and at the same time establish a lasting memorial may establish or contribute to an SPJST Endowed Scholarship.

The scholarship may be established in your name or the name of the individual you wish to honor. SPJST Endowed Scholarships may be established starting at $10,000. By definition, an endowed scholarship is one in which the principle remains intact and only the interest is awarded each

Ernest Wentrcek, Denisse Wuensche, Gladys Yates, and SPJST District Six.

year. Once established, your scholarship will be managed by the SPJST. Your endowment creates a permanent funding source that will grow over time and will support deserving students today and in the future.

SPJST Endowed Scholarships have been established in the names of Otto Hanus (two scholarships), Myles Marek, Ben and Martha Trcalek,

Sponsorship Scholarships In 2012, SPJST presented its first Sponsorship Scholarship with the awarding of the Slovacek Sausage Scholarship. The award was made possible by the generosity of Tim Rabroker and Slovacek Sausage.

Sponsorship scholarships differ from SPJST endowed scholarships in that donors may offer scholarships in the name of a business or as a tribute to a family or friend on a one time basis for $1,000.

For More Information For more information on establishing a Sponsorship Scholarship or an SPJST Endowed Scholarship or to contribute to an existing endowed scholarship, please call the President’s Office at 800-727-7578 or 254-773-1575.

—SPJST—

2015 SPJST Life Insurance and Annuity Extra

24

Directory of SPJST Lodges, Youth Clubs, and Sales Agents Active lodges are listed in numerical order. District number is

in parentheses. For lodge information, please call the lodge secretary or the contact listed. For youth club information, please contact the local lodge youth leader. For insurance information, please contact lodge sales agents. Listings reflect Home Office records as of March 17, 2015.

(Use of this information for solicitation or commercial purposes is a violation of the SPJST Privacy Policy and is strictly prohibited.)

LODGE 1 FAYETTEVILLE (1)

Lodge Hall: 507 East Main Street, Fayetteville. Directions: Lodge building is located on Highway 159 East, three blocks from the town square.

Hall Rental Information 979-966-3795

Lodge Meetings: First Monday of evennumbered months February, April, June, August, October, and December at 6 p.m. at the lodge hall.

Secretary Debra Pflughaupt 979-249-6249 rpflughaupt@hotmail.com

Youth Club Meetings: First Monday of each month at 6:30 p.m. at the lodge hall.

Youth Leader Ronnie Pflughaupt 979-249-6702 rpflughaupt@hotmail.com

Sales Agent Ronnie Pflughaupt 979-249-6702 rpflughaupt@hotmail.com

LODGE 4 HALLETTSVILLE (6)

Lodge Meetings: Second Sunday of each month at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street, Hallettsville.

Secretary Helen Zabransky 361-798-3347

Sales Agents Shirley Kalmus 281-216-0607 kalmusbingo@yahoo.com Joe Siptak, FIC 979-244-4415 ssiptak1@hotmail.com Susan Siptak, FIC 979-244-4415 ssiptak1@hotmail.com

LODGE 5 PILOT POINT-TIOGA (3)

Lodge Meetings: First Saturday of each month at 2 p.m. at PointBank Community Center, 739 East Liberty Street, Pilot Point.

Secretary Dean Carender 903-564-7359 • jandd@texoma.net

Sales Agents Dean Carender jandd@texoma.net Elise Koerner, FIC emrkoerner@msn.com Michael Munn mmmunn@gmail.com

903-564-7359 903-815-5628 940-391-1585

903-227-5969

LODGE 6 COTTONWOOD (3)

Lodge Hall: 700 South Czech Hall Road, West. Directions: From Interstate 35, take the West exit and stop at the blinking light.

Go east at the blinking light and stay on Oak Street through downtown West. Take Farm Road 2114 East for 3 miles. Turn right on Czech Hall Road. Lodge hall is on the right about 1/2 mile down the road.

Hall Rental Information 254-799-8550 Hall Phone: 254-227-8759

Lodge Meetings: First Sunday of each month at 2 p.m. at the lodge hall.

Secretary Barbara Jean Hykel 254-826-4677 bjhykel@yahoo.com

Youth Club Meetings: First Sunday of each month at 1:30 p.m. at the lodge hall.

Youth Leader Peggy Dobecka 254-799-8550 dataped@sbcglobal.net

Sales Agents Donald Cernosek djcernosek@sbcglobal.net Selby Holder selby.holder@tstc.edu Jerry E. Kucera, FIC jkucerains@att.net

254-855-6800

254-715-5742

254-826-5425 254-749-1865

LODGE 8 WEIMAR (6)

Lodge Meetings: Fourth Monday of each month at 6:30 p.m. at Veterans Memorial Hall, 503 Park Drive, Weimar.

Secretary Earline Muenster 979-562-2858

LODGE 9 SNOOK (1)

Lodge Hall: 457 CR 269, Snook. Directions: From Snook, turn on FM 2155 to downtown.

At Snook School, stay right on Spur 2155. At “T”, turn right on CR 269. Go 3/10 mile, and hall is on the left.

Hall Rental Information 979-272-3732

Lodge Meetings: First Wednesday of each month at 7 p.m. at the lodge hall.

Secretary Sharon Kovar 979-272-3732 • sharon-kovar@tamus.edu

Youth Club Meetings: First Wednesday of each month at 6:30 p.m. at the lodge hall.

Youth Leader Marie Shelfer 979-272-8100 • mashelfer@aol.com

Sales Agents Stacey Eldridge staceyslovacek@aol.com Karen Gaas karengaas@yahoo.com Bill Orsak, FIC, CFFM borsak@tconline.net Pamela Pruett ppruett@milamins.com Donnie Victorick, FIC, CFFM dv.aggie@verizon.net

979-272-1556

979-272-8873

979-272-1243 979-324-0056 512-760-6740

979-224-3125

LODGE 13 DIME BOX (1)

Lodge Hall: 425 CR 424, Dime Box. Directions: In Dime Box, turn left from FM 141 on CR 424. Go east on CR 425 for 3/10 mile. The hall is on the left.

Hall Rental Information 979-884-1451 Hall Phone: 979-884-3211

Lodge Meetings: Second Thursday of each month at 7 p.m. at the lodge hall.

Secretary Ladonna Jatzlau 979-884-0561 handsandbands@yahoo.com

Sales Agents Ladonna Jatzlau 979-884-0561 handsandbands@yahoo.com Dorothy Rackel, FIC 979-540-6497 rockhead@tconline.net Carla West 979-540-2208 carlaw@intonline.com

LODGE 15 BUCKHOLTS (2)

Lodge Hall: 600 State Highway 190/Highway 36, Buckholts (historic hexagon-shaped lodge building with a stone entrance sign located approximately 1/4 mile east of downtown Buckholts). Directions: Lodge building is located on Highway 36, east of Buckholts.

Hall Rental Information 254-593-2222

Lodge Meetings: Second Monday of each month at 5 p.m. at the lodge hall.

Secretary Dorothy Tomascik 254-593-2757

LODGE 17 NEW TABOR (1)

Lodge Hall: 2674 CR 225, Caldwell. Directions: From Caldwell, turn from Highway 36 east onto FM 166. Proceed 2.1 miles and turn left on CR 225. Go one mile, veering to the right. The lodge building is located on the right.

Hall Rental Information 979-272-3440

Lodge Meetings: First Sunday of each month at 2 p.m. at the lodge hall.

Secretary Ben Trcalek, Jr. 979-272-3278

Youth Club Meetings: First Sunday of each month at 3 p.m. at the lodge hall.

Youth Leader Mabrey Dowell 979-272-8517 • mabes82@aol.com

Sales Agent Susan Skrabanek, FIC 979-272-3440 979-820-2218 spjst@aol.com

LODGE 18 ELGIN (2)

Lodge Hall: 702 Highway 95 North, Elgin.

Hall Rental Information 512-217-0162 - David Meyer Country/Western Band Booking 512-281-3711 - Artie Monson Polka Band Booking Hall Phone: 512-285-3100

Lodge Meetings: Third Tuesday of each month at 7 p.m. at the lodge hall.

Secretary Charles Wilson 512-285-4293

Youth Club Meetings: First Thursday of each month at 6 p.m. at the lodge hall.

Youth Leader David Meyer 512-217-0162 chew_dwm@hotmail.com

Sales Agents Betty Gaskamp 512-281-0234 bettygaskamp@yahoo.com Margaret Taylor 512-303-0825

LODGE 20 GRANGER (2)

Lodge Hall: 114 West Davilla, Granger.

Hall Rental Information 512-859-2584

Lodge Meetings: First Monday of each month at 7 p.m. (unless it’s a holiday then the meeting will be held on the second Monday) at the lodge hall.

Secretary Rubie Loessin 512-859-2765

Youth Club Meetings: Second Sunday of each month at 1:30 p.m. at the lodge hall.

Youth Leader Emilie Tischler 254-721-7735

Sales Agent Chris Warren 512-826-0563 chris.spjst@gmail.com

2015 SPJST Life Insurance and Annuity Extra

LODGE 23 MORAVIA (6)

Lodge Hall: FM 957 North, Schulenburg.

Directions: Located 12 miles south of Schulenburg in Moravia. From Highway 77 between Hallettsville and Schulenburg, take FM 532 West four miles to Moravia. Turn right on FM 957 North and go one mile. Lodge building is on the right.

Lodge Meetings: Tuesday after the second Sunday of March, June, and September at 7:30 p.m. and the first Sunday of December at 3 p.m. at the lodge hall.

Secretary Kathleen Guenther 979-562-2124 • philg@cvctx.com

Sales Agent Elizabeth Holub 979-561-8640 mikelizh@cvctx.com

LODGE 24 CYCLONE (2)

Lodge Hall: 411 FM 964, Burlington. Directions: Lodge building is located 12 miles east of Temple, past Zabcikville. Exit at the blinking light on Highway 53 to FM 485, then go one mile to FM 964.

Hall Rental Information 254-985-0002 Hall Phone: 254-985-2393

Lodge Meetings: Second Monday of each month at 7 p.m. at the lodge hall.

Secretary Shirley Hoelscher 254-985-0347 shirley.hoelscher@tisd.org

Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall.

Youth Leader Brenda Maddux 254-985-0002 frontdeskgoddess@hotmail.com

Sales Agents Roberta Amos 254-773-1100 njones@fctinsurance.com Bonnie Carnegie 254-624-6773 mannazo.bc@gmail.com Paulino Castillo 254-773-0092 paulinoinsurance@outlook.com Jason Hoelscher 254-985-0347 jhoels3210@aol.com

LODGE 25 ENNIS (3)

Lodge Hall: 1901 East Highway 34, Ennis.

Directions: From Interstate 35 East at Waxahachie, take the Highway 287 East exit. Stay on Highway 287 East until you come to Ennis.

Go straight through downtown Ennis and go under the overpass at Interstate 45. Then go approximately 3/4 mile on Highway 34, and Lodge 25 is on the right.

Hall Rental Information 972-875-8381 Hall Phone: 972-875-8381

Lodge Meetings: Second Thursday of each month at 7 p.m. at the lodge hall.

Secretary Patricia Fowler 972-878-2083 • 1969fowler@gmail.com

Youth Club Meetings: First Sunday of each month at 1:30 p.m. at the lodge hall.

Youth Leader Rita Holland (469) 337-2284 • ritaholland57@yahoo.com

Sales Agents Thomas Droste droste_t@yahoo.com Danny Dvorak crispczech@hotmail.com Linda Jurik Kay Lynn Kovar, FIC Margaret Krajca jmkrajca@yahoo.com Max McIntosh maxfli@ymail.com

972-965-5308

972-821-8946

972-872-9997 972-875-6827 972-878-6149

972-935-2082

LODGE 28 EAST BERNARD (6)

Lodge Meetings: Second Sunday of each month at 12 noon at Wharton County Library - East Bernard Branch, 746 Clubside Drive, East Bernard.

Secretary Helen Kelner 281-342-2624

Sales Agent Glenn Kaminsky, FIC 979-335-4461 g2kamin@live.com

LODGE 29 TAYLOR (2)

Lodge Hall: 5025 FM 619, Taylor. Directions: The hall is located two miles east of Taylor. Turn north from State Highway 79 onto FM 619. Drive about one mile to the large two-story building.

Hall Rental Information 512-352-9139 Hall Phone: 512-352-9139

Lodge Meetings: Second Wednesday of each month at 6:30 p.m. at the lodge hall.

Secretary Linda Pospisil 512-365-1110 • jlpospisil@yahoo.com

Youth Club Meetings: First Sunday of each month at 1 p.m. at the lodge hall.

Youth Leader Cristy Girod 512-468-1347 • girodranch@yahoo.com

Sales Agents Albin Machu, CFFM 512-365-5489 elainemachu@hotmail.com Jesse Pospisil 512-826-7371 jlpospisil@yahoo.com Tammy Whatley 512-948-5339 tammyrwhatley@yahoo.com

LODGE 30 TAITON (6)

Lodge Meetings: First Sunday of each month at 1:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo.

Secretary Wanda Dorotik 979-543-1974 • wdorotik@wirehand.net

Youth Club Meetings: First Sunday of each month at 2:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo.

Youth Leader Lisa Bubela 979-543-7120 • lbubela@warpspeed1.net

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Sales Agents Bradley Bacak, FIC 979-543-9362 bradbacak@sbcglobal.net Crystal Bacak, FIC 979-543-9362 bacak@sbcglobal.net Carolina Covarrubia 281-779-9956 carroinpink@yahoo.com Thomas Drapela, FIC 979-543-1142 tommydrapela@yahoo.com Karen Kaspar, FIC, CFFM 979-332-1616 979-543-2532 k-kaspar@hotmail.com

LODGE 32 VICTORIA (6)

Lodge Hall: 3502 North Laurent, Victoria.

Lodge Meetings: Second Thursday of each month at 6:30 p.m. at the lodge hall.

Secretary Linda H. Mozisek 361-676-7561 lindamo@suddenlink.net

Sales Agents Michael Ahlstrom, FIC, CFFM 361-578-3279 ahlstrom@suddenlink.net Mary Monclova 361-572-3933 mmcl6625@yahoo.com Silvia Rangel 361-571-1697 silvia_perry11@yahoo.com Otto Mozisek 361-676-7562 ottom@suddenlink.net

LODGE 35 ELK (3)

Lodge Hall: 9508 Elk Road, Axtell. Directions: From Interstate 35 in Waco, take the Highway 84 East exit. Stay on Highway 84 East through Bellmead and go approximately 8 miles. On the right side of Highway 84 will be a sign saying “Elk.” Take the Elk Road.

Turn right on Elk Road and go approximately one mile and the road will dead end. Take a right at the dead end and go approximately 1/2 mile. Lodge 35 is on the left side of the road.

Hall Rental Information 254-749-3326 Hall Phone: 254-863-9320

Lodge Meetings: Second Wednesday of each month at 7:30 p.m. at the lodge hall.

Secretary Carla Pavelka 254-420-2430 carla.pavelka@wacoisd.org

Sales Agent James Mann, FIC 254-715-0275 mrdudemann@yahoo.com

LODGE 38 KOVAR (1)

Lodge Hall: 278 Zimmerhanzel Road, Flatonia.

Hall Rental Information 512-237-2438 - Days 830-839-4353 - Evenings

Lodge Meetings: Second Monday of each month at 7 p.m. at lodge hall.

Secretary Kathy Maney 512-237-2706 • kmaney5411@yahoo.com

Sales Agents Johnnie J. Janak 512-237-5228 512-237-2432 Kathy Maney 512-237-2439 maneyins@yahoo.com 512-237-2706

26

LODGE 39 BRYAN (1)

Lodge Hall: Cherry Bend Circle, Lot 12, Bryan.

Directions: From Highway 6, turn west on OSR. Go 2 miles to Mumford Road and turn left. Go 1.1 mile and turn left on Magnolia. Take the first right turn on Cherry Bend Circle. The lodge hall is at the bend of the road (white building).

Lodge Meetings: Second Sunday of each month at 1 p.m. at the lodge hall.

Secretary Shirley Vytopil 979-218-6432 svytopil@yahoo.com

Sales Agents 979-571-5848 Brenda Glowski glowski4@aol.com John Kitchens 936-396-1767 jkitchens702@hotmail.com Kevin Kuder 979-574-8775 kuderkev@aol.com

LODGE 40 EL CAMPO-HILLJE (6)

Lodge Hall: 30420 Loop 524 US Highway 59, Hillje. Directions: Lodge hall is located just off US 59 in Hillje.

Hall Rental Information 979-243-4222 Hall Phone: 979-648-2317

Lodge Meetings: Second Sunday of each month at 1 p.m. at the lodge hall.

President Cathy Garcia 979-332-1614 clvgarcia@yahoo.com

Youth Club Meetings: Second Sunday of each month at 11:30 a.m. at the lodge hall.

Youth Leader Cathy Garcia 979-332-1614 • clvgarcia@yahoo.com

Sales Agents Ardis Bacak, FIC 979-578-8907 bradbacak@sbcglobal.net Cathy Garcia 979-332-1614 clvgarcia@yahoo.com Sheldon Holub, FIC 979-543-7387 sholub@awesomenet.net

LODGE 41 PORT LAVACA (6)

Lodge Meetings: Second Tuesday of February, May, August, and November at 6 p.m. at Six Mile Presbyterian Church, Royal Road, Port Lavaca.

Secretary Mary Sitka 361-552-5170 • danmarysitka@yahoo.com

Sales Agent Franklin Jurek, FIC 361-920-9674 sajj@tisd.net 361-552-9674

2015 SPJST Life Insurance and Annuity Extra

LODGE 49 ROWENA (4)

Lodge Hall: 706 FM 2133, Rowena.

LODGE 47 SEATON (2)

Lodge Hall: 10842 State Highway 53, Temple. Directions: Star Hall is located seven miles east of Temple on Highway 53 (Adams Avenue in Temple).

Hall Rental Information 254-760-7819 Hall Phone: 254-985-2548

Lodge Meetings: First Sunday of each month at 2 p.m. at the lodge hall.

Secretary Patsy Koslovsky 254-985-2396 • patsyk2011@yahoo.com

Youth Club Meetings: First Sunday of each month at 1 p.m. at the lodge hall.

Youth Leader Joyce Kraatz 254-760-5816 joycekraatz@hotmail.com

Sales Agents David Coufal 254-986-2448 david@davidcoufalinsurance.com Patsy Koslovsky, FIC 254-985-2396 patsyk2011@yahoo.com Tammy Martinez 254-985-2457 tammym@spjst.com David Pechal 254-721-8370 davidpechal@yahoo.com Corinne Popelka 254-931-1256 kerr.corinne@gmail.com Michael Seiler 254-939-0180 mseiler@farmersagent.com Dolores Skrabanek, FIC 254-985-2344 dskrabanek@embarqmail.com Lynette Talasek 254-931-0639 lynettet@spjst.com Donica Zabcik 254-749-5607 donicaz@spjst.com

LODGE 48 BEYERSVILLE (2)

Lodge Hall: 10450 FM 619, Taylor. Directions: From Taylor, take the South Loop. Turn right on FM 112. Go about 1/2 mile. Turn right on FM 619. Go about three miles. Hall is on the right.

Hall Rental Information 512-450-8310

Lodge Meetings: Second Sunday of each month, 3:30 to 5:30 p.m.; except for the second Monday in May, July, and August, at 6:30 p.m. and the third Monday in June at 6:30 p.m.

Secretary Juanette Susan 512-365-8381 juanette_susan1@aol.com

Youth Club Meetings: Second Sunday of each month at 5:30 p.m. at the lodge hall.

Youth Leader Janet Fila 512-450-8310 janaree99@hotmail.com

Sales Agents Donna Vanecek 512-736-5731 donnavanecek@yahoo.com Bobby Wuensche 281-352-3517 bobbyleewuensche@gmail.com

Hall Rental Information 325-442-4841

Lodge Meetings: First Wednesday of February, May, August, and November at 7 p.m. at the lodge hall.

Secretary Beverly Teplicek 325-442-4841 • bjtep@verizon.net

Youth Club Meetings: First Sunday of each month at 1 p.m. at the lodge hall.

Youth Leader Becky Wood 325-442-3232 bwood@citizensstatebk.com

Sales Agents 325-544-8560 Frances Aleman fmaleman@wtxs.net Lisa Galvan 325-365-2627 lisa.13@verizon.net Joan Halfman 325-442-4425 j1146@verizon.net Jimmy Jones 325-372-5522 jjins@centex.net 325-248-3579 Thomas Kirkpatrick 432-558-2777 westwindinsurance@att.net Eliza M. Rodriguez 325-949-9508 rodnewfsfamily@yahoo.com Billy Rollwitz, FIC, CFFM 325-442-3141 brollwitz@verizon.net Sylvia M. Rollwitz, FIC 325-442-3141 srollwitz@verizon.net Kenneth Rooke 325-446-3073 kenny.rthi@verizon.net Loretta Schaefer 432-397-2483 schhal@crcom.net Richard Sonnenberg 325-718-8445 rickster@wtxs.net Beverly Teplicek 325-442-4841 bjtep@verizon.net Liliana Valenzuela 619-905-0228 calla.lily@me.com

LODGE 51 ELLINGER (1)

Lodge Meetings: Third Friday of March, June, September, and December at 6:30 p.m. at Ellinger Fire Department, West Main Street, Ellinger.

Secretary Jo Ann Divin 979-249-3176 joanndivin@yahoo.com

Sales Agents Edna Bergfeld 979-732-3776 ednabergfeld@txun.net Fausta Kaiser 979-732-1386 eweknoit@yahoo.com 979-732-5030

LODGE 54 WEST (3)

Lodge Meetings: First Friday in March, June, and November and the second Friday in September at 7 p.m. at St. Joseph Hall, 303 South Harrison Street, West.

Secretary Janice Kaluza 254-826-3534 fjkaluza@txun.net

Sales Agents Freddie Kaluza 254-826-3534 254-709-2303 fjkaluza@txun.net Janice Kaluza 254-826-3534 254-749-5676 jankaluza@aderholdfuneralhome.com Jean Martin 254-854-2833 bwmartin@windstream.net Wilburn Willis, FIC 254-799-5394 wilburnwillis@aol.com

LODGE 63 SWEET HOME (6)

Lodge Meetings: Third Thursday of each month at 7 p.m. Call for meeting location.

Secretary Ann Moseley 361-594-8429 • moselam@hotmail.com

LODGE 66 WACO (3)

Lodge Meetings: Date, time, and location to be announced in the lodge meeting minutes printed in the Vestnik for each month’s meeting. Call 254-799-4247 for information.

Secretary Dana McAdams 254-799-4510 • danamcad@aol.com

Sales Agents Richard Allen 254-339-9375 aaindependent@yahoo.com Ruby Clayborne 254-799-4790 rubyclayborne@yahoo.com Kaelyn Dillard 254-694-7800 Randolph Dillard, Sr. 254-694-5099 John Engelke 254-717-7534 john.engelke@hotmail.com Johnnie Gaidusek, Jr. 254-934-2527 rvos@windstream.net 254-709-5976 Justin Gaidusek 254-718-8212 justin@rolloinsurance.com Christine Galysh 254-754-5174 Denise Gay 254-722-0763 Joel B. Gay 254-836-1039 joby@triplansolutions.com Kevin Hannes 254-733-4914 khannes@grandecom.net Randy House 254-749-4636 rhouse3407@gmail.com Larry Matula 254-822-1550 larry@matulainsurance.com Via Jean Randolph 254-761-0187 viarandolph@gmail.com Kandi Rendon 254-723-4752 rendonjulian73@yahoo.com Michael Thompson 254-717-9008 t2fans@aol.com Sammy Tull 254-857-8600 sjtrmtull@gmail.com Donnie Turnbough, Jr. 254-652-0707 turnbough97@yahoo.com Nelson Washington, Jr. 832-508-1507 ultimatetaxsolution@gmail.com

LODGE 67 SCHULENBURG (1)

Lodge Meetings: Call for quarterly meeting date, time, and location.

Secretary Mary Ann Kutac 979-561-8686

Sales Agent Adrienne Kobza 979-561-8237 akobza@cvctx.com

LODGE 73 SEYMOUR (4)

Lodge Meetings: First Sunday of each month at 12 noon. Call for meeting location.

Secretary Alice Orsak 940-889-2391

2015 SPJST Life Insurance and Annuity Extra

LODGE 80 HOLLAND (2)

Lodge Hall: 12141 East FM 2268, Holland.

Directions: On Highway 95, south of Holland, turn east on FM 2268. Go 1/2 mile to lodge, located on the right.

Hall Phone: 254-657-2485

Sales Agent Christopher Moore 940-256-2263 cfmoore1@aol.com

Lodge Meetings: First Saturday of each month at 4 p.m. at the lodge hall.

Lodge Meetings: First Sunday in March and June and second Sunday in September and December at 1 p.m. at Luby’s Cafeteria, 1801 Ninth Street, Wichita Falls.

Youth Club Meetings: Second Wednesday of each month at 6 p.m. at Youth Leader Connie Horak’s home. Call 254-541-9165 for address.

Sales Agents Holly Cox 940-674-5554 hometowninsurancechildress@gmail.com Ray Esparza 940-692-2244 albarosalinda@gmail.com Ezekiel R. Garcia 940-782-3943 Diana Geis 940-733-5328 dianageis@hotmail.com Michelle Robertson 940-322-2860 William Waddle 940-569-2934 wmwaddle@nts-online.net

Sales Agents Vicki Benner Slye vslye@embarqmail.com Frank Horak f_horak@yahoo.com Joe W. Liles joelilesrvos@gmail.com

LODGE 76 WICHITA FALLS (4)

Secretary Diana Ibarra 940-224-7383 • wibarra60@hotmail.com

LODGE 79 CORPUS CHRISTI (7)

Lodge Meetings: Third Sunday of each month at 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi.

Secretary Virginia Rebecek 361-816-3128

Youth Club Meetings: Third Sunday of each month at 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi.

Youth Leader Gerilyn Donnell 361-548-0852 • gl@totalprotection.com

Sales Agents Ignacia Castillo 361-664-1943 nacha.castillo@yahoo.com Eligio Cueva 361-389-2444 evcueva@hotmail.com Francisco Dheming, Sr. 361-561-7658 Armando Diaz 361-945-2790 armandovdiaz@aol.com Becky Flores 361-945-2695 bowflo@yahoo.com Amiel Garcia 361-438-1860 abengar@msn.com Ralph Juarez 361-537-5506 juarez2112@aol.com David Knapp, LUTCF 361-765-4646 dckltc@yahoo.com Leo Longoria 361-325-9250 Oscar Longoria, LUTCF 361-325-3551 osamlong@yahoo.com Javier Mora 361-549-0116 Lance Morck 361-904-6241 l_morck@yahoo.com Armando Perez, LUTCF 361-814-0314 aperez40@stx.rr.com Abel Reyna 361-547-0064 ab3rey@aol.com Gail Sanchez 361-876-6669 sanchez.gail@att.net Jerry Sijansky, FIC 361-853-1227 jaquayj@wildblue.net Eva Vasquez 361-765-3258 elvasquez54@yahoo.com Deborah Whittington 361-939-7588 dawhittington@sbcglobal.net

Secretary Linda Hill 254-598-0284 hlinda1260@aol.com

Youth Leader Connie Horak 254-541-9165 • c.horak69@gmail.com

254-657-2628

254-657-3018

254-657-2488 254-913-7674

LODGE 81 NEEDVILLE (5)

Lodge Hall: 13609 Violet Street, Needville.

Directions: Lodge building is located south on Highway 36, one mile from the traffic light in Needville.

Hall Rental Information 979-793-4313 • td_stavinoha@yahoo.com Hall Phone: 361-793-4742

Lodge Meetings: Third Sunday of each month at 1 p.m. at the lodge hall.

Secretary Willie Mae Kuykendall 281-233-6539

Youth Club Meetings: Contact Youth Leader Bradley Stavinoha for meeting date, time, and location.

Youth Leader Bradley Stavinoha 979-793-2386 spjst@earthlink.net

Sales Agent Bradley Stavinoha 979-793-2386 spjst@earthlink.net 979-793-4364

LODGE 84 DALLAS (3)

Lodge Hall: 2625 Floyd Street, Dallas. Directions: From Interstate 35 East in Dallas, take Interstate 20 East. From Interstate 20 East, take the Interstate 45 exit toward downtown Dallas. Interstate 45 runs into Highway 75.

From Highway 75, take a right at the Bryan Street exit. From Bryan Street turn right on Cantreal Street. Go on Cantreal Street until you come to Floyd Street. Take a right on Floyd Street. Lodge 84 is the second building on the right, 2625 Floyd Street.

Hall Rental Information 214-826-3557 Hall Phone: 214-823-0072

Lodge Meetings: Third Sunday of each month at 2 p.m. at the lodge hall.

Secretary Cheryl Petr 214-352-4397 • cherripetr@sbcglobal.net

LODGE 91 SAN JACINTO (5)

27

Youth Club Meetings: Third Sunday of each month at 1 p.m. at the lodge hall.

Lodge Meetings: Quarterly meetings - to be announced in Vestnik.

Sales Agents Thomas Athas 817-521-6662 thomasathasagency@msn.com Bessie Petr 214-826-3557 magiclady_46@hotmail.com

Sales Agents Sheri L. Jackson 832-816-7115 sherijack44@gmail.com Carlos San Miguel 361-562-8800 sanmiguel.carlos1@yahoo.com Charles Thomas, Jr. 832-687-1099 charlesintx@gmail.com Vickie Wilkinson 281-446-0467 vickiewilk@netscape.net

Youth Leader Bessie Petr 214-826-3557 • magiclady_46@hotmail.com

LODGE 87 TEMPLE (2)

Lodge Hall: 320 North 50th Street, Temple. Directions: From East Adams Avenue, turn north on 50th Street. Go 2/10 mile. Lodge building is on the left.

Hall Rental Information 254-405-5168

Lodge Meetings: Third Tuesday of each month at 6:30 p.m. at the lodge hall.

Secretary Judith Ann Little 254-913-8568 judith.little71@yahoo.com

Sales Agents Betty Barton 254-913-0386 bettybar@vvm.com Karin Bryant 254-338-3275 allyourinsuranceneeds@centurylink.net Hiram Dixon, FICF, LUTCF, CFFM hadixon2003@yahoo.com 254-231-7722 Keifer Marshall, Jr. 254-773-2240 kmarshall@insurors.com

LODGE 88 HOUSTON (5)

Lodge Hall: 1435 Beall Street at West 15th, Houston, Texas (the Heights). Directions: Highway 290—Take Mangum Dacoma exit.

Stay on frontage road. Turn left at third traffic light onto 18th Street. Go under freeway at third traffic light. Turn on Beall Street.

Hall Rental Information 713-869-5767 Lodge Hall: 713-869-5767 www.lodge88.org

Lodge Meetings: Third Monday of each month at 7 p.m. at the lodge hall.

Secretary Carol Stayton 979-865-0425 staytone@yahoo.com

Youth Club Meetings: First Sunday of each month at 2 p.m. at the lodge hall.

Youth Leader Barbara Linney-Gonzales 713-649-6138 district5dyc@aol.com

Sales Agents Carolyn Filipp Beseda, FIC cffilipp@earthlink.net Helen Hegwood, FIC Vincent Hegwood, FIC Mildred Holeman mmholeman@yahoo.com Janice Jahns wjahns@sbcglobal.net Ana Latigo avlatigo@yahoo.com Larry W. Pflughaupt, FIC lpflugh@aol.com

713-869-9304

713-864-0489 281-358-7312 713-691-6434 713-305-7895 281-615-5046

713-385-0590

713-864-2163

Secretary Vonda Smesny 713-870-7114 • wolcek@comcast.net

LODGE 92 FORT WORTH (3)

Lodge Hall: 3316 Roberts Cutoff Road, Fort Worth. Directions: From Interstate 35 West in Fort Worth, take Interstate 30 West to the Henderson exit. Take Henderson North, and it becomes Jacksboro Highway (TX 199). Stay on this road north until Roberts Cutoff which is a right off of Jacksboro Highway. The lodge (also known as National Hall) is on the right about two or three blocks down the road. A Great Western Inn Motel is on the corner.

Hall Rental Information 817-624-1361 Hall Phone: 817-624-1361

Lodge Meetings: Second Sunday of each month at 2 p.m. at the lodge hall.

Secretary Mary Jan Taborsky 817-801-0453 jtaborsky@sbcglobal.net

Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall.

Youth Leader Holly Hubenak Anderson 682-552-4498 hollyanderson33@gmail.com

Sales Agents Thomas Brown 940-321-8717 tabrown@charter.net Pamela Durham 817-877-1502 pam@pamdurham.com David Ford 817-239-6547 fordclu@sbcglobal.net Gordon Hubenak 817-498-3905 Holly Hubenak Anderson 817-337-0964 hhubenak@coppellisd.com Kenneth Krivanek 817-237-4120

LODGE 97 PLACEDO (6)

Lodge Meetings: Second Friday in March, June, September, and December at 6 p.m. at Lodge 32, Victoria Hall, 3502 North Laurent, Victoria.

Secretary Diana Redd 361-649-4388 memories_by_diana@yahoo.com

Sales Agents David Bellanger 361-578-4253 djbellanger@hotmail.com Gay Revel, FIC 361-573-4443 revelgay@yahoo.com

28

LODGE 107 FLORESVILLE (7)

Lodge Hall: 1156 FM 1303, Floresville. Directions: From Floresville, take FM 536 West three miles to FM 1303. Turn right and go two miles. The hall is on the right.

Hall Rental Information 830-393-7796

Lodge Meetings: Second Sunday of each month at 3 p.m. at the lodge hall.

Secretary Wendy Pruski 210-535-4916 poohbear78064@hotmail.com

Sales Agents 830-393-9073 Robert Bayer, FIC blackbayer39@hotmail.com Frankie Campbell 210-602-2540 frankiec1030@yahoo.com 210-535-4916 Wendy Pruski, FIC poohbear78064@hotmail.com Cynthia Puig 956-489-4995 cpuig1@gmail.com Linda Rodriguez 830-393-2229 thuney@floresville.net Miguel Rodriguez 210-375-2131 mgrodriguezjr@yahoo.com Jesus Romero 956-763-4498 javr4@stx.rr.com Melvin Strey 830-420-3185 mstrey@gvec.net Ronald Thuney 830-393-6729 thuney@floresville.net

LODGE 117 ROBSTOWN (7)

Lodge Meetings: First Saturday of March, June, September, and December at 1:30 p.m. at Hilltop Community Center, 11425 Leopard, Corpus Christi.

Secretary Dianne Raska 361-334-7222 ldianne63@hotmail.com

Sales Agents Sylvia Ballin 361-563-0800 saballin49@yahoo.com Carlos Benavidez 361-739-5907 ccarlosgb3@aol.com

LODGE 130 DALLAS (3)

Lodge Meetings: For monthly meeting date, time, and location, please contact the lodge secretary or sales agent.

Secretary Martha Vrla 214-826-2670 • mvrla@sbcglobal.net

Sales Agent John Vrla 214-906-3385 jvrla@cebridge.net

2015 SPJST Life Insurance and Annuity Extra

LODGE 133 SAN ANTONIO (7)

Lodge Meetings: Third Sunday of each month at 2 p.m. at Good Shepherd Lutheran Church Activity Center, 1630 Goliad Road, San Antonio.

Secretary Vicki Reese 210-698-1525 vreese2@satx.rr.com

Sales Agents Maria C. Garcia 210-531-9949 mcb1315@msn.com 210-861-4985 Jarolyn Popp, FIC 830-964-5135 bobpopp@gvtc.com Victor M. Ramirez 956-844-1136 vicr49@yahoo.com Hector Vallejo 210-735-2204 hectorvallejo19@yahoo.com Aracely Varela 210-320-5200 chela@grandecom.net

LODGE 135 ENNIS (3)

Lodge Meetings: Third Thursday of January, April, July, and October at 7 p.m. at Sokol Hall, 2622 East Highway 34, Ennis.

President Larry Valek 214-794-7674

LODGE 139 DANBURY (5)

Lodge Meetings: Second Tuesday of each month at 11 a.m. at The Smith Group Building, 1718 Main Street, Danbury.

Secretary Ella Marie Filipp 979-922-1524 ellinfilipp@att.net

Sales Agents Myra Boegler 713-628-3657 spjstlife@yahoo.com Justin Smith 979-215-9667 justinlsmith_1@yahoo.com Larry Strebeck 979-922-8000

LODGE 141 SEALY (1)

Lodge Meetings: Second Tuesday of each month at 6 p.m. at Gordon Memorial Library, 917 North Circle, Sealy.

Secretary Bernice Stolarski 979-885-6786 • bbstol@sbcglobal.net Sales Agent

John Simpson 817@catspringvfd.com

713-818-9800

LODGE 142 HOUSTON (5)

Lodge Meetings: Second or Third Sunday of each month, 2 p.m. at SPJST Lodge 88, Houston dining room or annex building, both located at 1435 Beall Street at West 15th, Houston (the Heights). For information, contact Lodge 142, Houston President Keith Kieschnick 713-252-5564 or lodge secretary for information.

Secretary Alice Jochen 979-743-3613

Youth Club Meetings: Same time/location as adult lodge meetings.

Youth Leader Catherine Manchack 281-893-8107 • cmanchack@yahoo.com

Sales Agents Carita Felbermayr 832-465-8833 caritaf50@hotmail.com Catherine Manchack 281-893-8107 cmanchack@yahoo.com

LODGE 148 EL MATON (6)

Lodge Meetings: Second Sunday of each month at 3 p.m. at Frank Hahn’s Camphouse in El Maton.

Secretary Melissa Zielonka 830-373-4388 • zielonka33@aol.com

Youth Club Meetings: Second Sunday of each month following the adult lodge meeting at Frank Hahn’s Camphouse in El Maton.

Youth Leader Melissa Zielonka 979-618-1890 • zielonka33@aol.com

LODGE 151 WHARTON (6)

Lodge Meetings: Second Monday of March, June, September, and December at 6:30 p.m. at Wharton Depot Museum, 100 South Sunset Street, Wharton.

Secretary Janie Bucek 979-532-5884 jbucek2001@yahoo.com

Sales Agents Charles Bucek, FIC 979-335-4118 Gerald Macha, FIC 281-341-0320 geraldmacha@comcast.net Ray Pilgrim, FIC 979-543-3754 pilgrim106@sbcglobal.net

LODGE 153 LA SALLE (6)

Lodge Meetings: Second Tuesday of March, June, September, and December at 6 p.m.

Call for meeting location.

Secretary Mary Jane Sralla 512-782-3374 esralla@sbcglobal.net

Sales Agent Jerome J. Hlavaty, FIC 361-874-4461 jeromeh@laward.net 361-920-7478

LODGE 154 FORT WORTH (3)

Lodge Hall: 6500 Boat Club Road, Fort Worth.

Directions: From Interstate 35 West in Fort Worth, take the Interstate 20 West exit. Stay on Interstate 20 West until you come to 820 and stay on 820 until you come to the Jacksboro Highway and Azle Street exit. Take the Azle Street exit and go to the traffic light. Turn left at the traffic light and go to the second traffic light, then turn right onto Boat Club Road. Go on Boat Club Road approximately 2 1/2 miles.

Lodge 154 is on the right.

Hall Rental Information 817-237-5181 Hall Phone: 817-237-5181

Lodge Meetings: Third Sunday of each month at 3:30 p.m. at lodge hall.

Secretary Mary Steinman 817-731-2580 • appamary@sbcglobal.net

Youth Club Meetings: Third Sunday of each month at 5 p.m. at the lodge hall.

Youth Leader Lesli Milan 817-320-7129 • leslimilan@yahoo.com Youth Leader Carrie Ann Jones 817-371-1727 • jonestravel@att.net

Sales Agents Fred Flores 817-724-7673 fredgflores@gmail.com Sheri Humphreys 817-236-1304 sm.kh@prodigy.net Joseph Steinman 817-624-1760 sokolfw@yahoo.com

LODGE 155 AUSTIN (2)

Lodge Meetings: First Sunday of March, June, September, and December. Call for meeting time and location.

Secretary Ginny Prasatik 512-472-1721 • gprasatik@att.net

Sales Agents Patricia Fleming 325-248-3817 fleming@hctc.net Doris Plagens 512-888-1822 doris.plagens@yahoo.com Ricky D. Rodriguez 512-591-4022 sirricrod@yahoo.com Rosalinda Sanchez 512-659-3782 rsanchez2000@sbcglobal.net

LODGE 157 LUBBOCK (4)

Lodge Meetings: Second Sunday of every other month at 1 p.m. Call for meeting location.

Secretary Cynthia Kristinek 806-763-7245 • cjkristinek@yahoo.com

Sales Agents Paul Harwood 806-681-9701 peharwood55@yahoo.com Cynthia Kristinek 806-632-2432 cjkristinek@yahoo.com Jay Lindley 806-369-9369 jayl@amaonline.com

LODGE 160 SAN ANGELO (4)

Lodge Meetings: Second Sunday of January, April, July, and October at 12 noon at Wall Volunteer Fire Department, Wall.

Secretary Charlene Dusek 325-651-4977 • cdusek@wcc.net

Sales Agents Bobby G. Davis, FICF, CFFM 325-450-3748 bgdsr2428@aol.com Sylvia Garivay 325-212-8444 sgarivay@yahoo.com Jacquelyn Gift 325-212-6456 jacke_gift@yahoo.com Leonard A. Jansa, FIC 325-651-8045 ljansa13@gmail.com Patti Pool 325-949-8499 pattipool@yahoo.com Lydia Talamantez 325-262-9743 lillyg636@yahoo.com Sam Tambunga 325-944-8836 samt@samuelinsurance.com

LODGE 162 IOWA COLONY (5)

Lodge Meetings: First Sunday of each month at 2 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony.

Secretary Geraldine Kucera Frank 281-431-1474 geri_frank@yahoo.com

Youth Club Meetings: First Sunday of each month at 2 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony.

Youth Leader Brenda Moyle 281-369-3503 • brenda@moblaw.com

Sales Agents Wardell Starling 281-250-8168 strlnganit@aol.com William Reynolds 832-882-4660 williamreynolds9@gmail.com

LODGE 169 BRENHAM (1)

Lodge Meetings: Fourth Thursday of February, April, June, August, October, and December at 6 p.m. at Mobius Coffeehouse and Pizza Connection, 1120 South Market Street, Brenham. Meal, social, and meeting from 6 to 8 p.m. The December meeting is on the first Sunday at 12 noon.

Secretary Lenora Bliznak 979-836-9875

Sales Agent Nello Strickland 979-451-3229 ndstrickland@yahoo.com

LODGE 172 PASADENA (5)

Lodge Hall: 3609 Preston Road, Pasadena.

Hall Rental Information 713-993-6878 Hall Phone: 281-487-3297

Lodge Meetings: Fourth Sunday of each month, meal at 1 p.m. followed by meeting at 2 p.m. with the exception of November and December, as noted.

Secretary Jerry Dressler, Jr. 281-488-1405 • jcdressler@att.net

Sales Agents Kerry Herrington 281-704-5737 kerryherrington@yahoo.com Sophia Rainey 713-775-4698 sophia.rainey@yahoo.com

2015 SPJST Life Insurance and Annuity Extra

LODGE 177 ACADEMY (2)

Lodge Hall: 711 Rio Poco, Little River. Directions: Lodge building is located on south side of Academy on Highway 95.

Hall Rental Information 254-982-4530 Hall Phone: 254-982-4434

Lodge Meetings: Second Wednesday of each month at 6:30 p.m. at the lodge hall.

Secretary Joanne Hutka 254-865-2029 • wjjahutka@gmail.com

Sales Agents Kathy Fritz May 254-718-9037 kfmay959@yahoo.com Nancy Miller 254-983-0011 nancym@spjst.com Luann Schiller-Van Lier 254-718-8153 luanntx@msn.com 254-721-4410 Janie Valdez janiesuevaldez@gmail.com

LODGE 179 WARRENTON (1)

Lodge Meetings: Second Thursday of each month at 7 p.m. at Carmine Lions Club Building, 201 Centennial Street, Carmine.

Secretary Melissa Wickel 979-278-3930 mwickel@industryinet.com

Sales Agent Ricky Weyand 979-249-5679 rickylw59@yahoo.com

LODGE 180 BURLESON (3)

Lodge Hall: 1150 South Burleson Boulevard, Burleson. Directions: Interstate 35 West, one-quarter mile south of Hidden Creek Parkway exit in Burleson.

Hall Rental Information 817-558-2400 • 817-295-3483 817-371-0255 • 972-268-0022 Hall Phone: 817-295-9665

Lodge Meetings: First Tuesday of each month at 6:30 p.m. at the lodge hall.

Secretary Rhonda Hurtik 972-268-0022

Nancy Kelly

Sales Agent

817-558-7347

LODGE 181, CONROE (5)

Lodge Meetings: Fourth Tuesday of each month at 6 p.m. at Central Library in Conroe.

Secretary Patsy McClellan 936-788-5714 pmcclellan@consolidated.net Sales Agents

John Cole 936-662-6440 john@coleinsofhuntsville.com James Dinaso 281-836-3649 jimdinaso@gmail.com 832-407-4272 Artresa Johnson 936-581-2564 artresacj@aol.com Charles Toney III 281-362-9062 cdtiii@toney.us Barbara Williams-Rash 936-295-7778 b.d.willrash@att.net

LODGE 182 FALLS COUNTY (2)

LODGE 185 NEW BRAUNFELS (7)

29

Lodge Meetings: Second Sunday of each month at 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin.

Lodge Meetings: Every other month—February, April, June, August, October, and December. Call for meeting date, time, and location.

Youth Club Meetings: Second Sunday of each month at 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin.

Youth Club Meetings: Call for meeting date, time, and location.

Secretary Becky Beckendorf 254-749-5732 beckyb.bltb@gmail.com

Youth Leader Becky Beckendorf 254-749-5732 beckyb.bltb@gmail.com Sales Agent

Darrell Allen dallen_mpd@yahoo.com

254-275-0056

LODGE 183 ARLINGTON (3)

Lodge Hall: 3100 Pleasant Valley Lane, Arlington. Directions: Take Interstate 35 West to Fort Worth. Take the Interstate 20 East exit and proceed on Interstate 20 East until you come to the Cooper Street exit. Take the Cooper Street exit to the North and stay on Cooper Street until you come to Mayfield Street. Take a right on Mayfield and go down and take a left on Pleasant Valley.

Hall Rental Information 817-465-8538 • 214-876-9029 Hall Phone: 817-465-8538

Lodge Meetings: Third Monday of each month at 7 p.m. at the lodge hall.

Secretary Darlene Hollingsworth 817-417-6071 sunnydarlene1@gmail.com

Youth Club Meetings: Last Friday of each month at 7 p.m. at the lodge hall.

Youth Leader Debra Daniel 817-472-6261 ddaniel108@sbcglobal.net

Sales Agents Sabino Garcia 817-909-8899 garciasabi@att.net Eugene Havran 817-467-3010 eugenehav@yahoo.com Ray Jordan, Jr. 817-477-7351 rjordanw2000@live.com Kattia Lange 786-285-4770 kzucchettiv2009@hotmail.com Daniel Roznovsky, FIC 972-252-6763 droz1@verizon.net Rhonda Steelman 972-294-1043 rsteelman@rvosagent.com

LODGE 184 MOULTON (6)

Lodge Hall: FM 532 West, Moulton. Directions: From Texas 95 in Moulton, take FM 532 West four miles. Lodge hall is located on the right.

Lodge Meetings: Second Wednesday of each month at 7:30 p.m. at the lodge hall.

Secretary Terry Stevenson 361-772-0046 terrywstevenson@gmail.com

Secretary Cindy Schmidtzinsky 512-787-9334 • cks78666@yahoo.com

Youth Leader Theresa Haag 830-625-8262 theresa.haag686@gmail.com

April Howard

Sales Agent

830-626-3303

LODGE 186 CALDWELL (1)

Lodge Hall: 937 State Highway 36, Caldwell.

Directions: Lodge building is located just off Highway 36 on the south side of Caldwell, next to Burleson County Fairgrounds.

Hall Rental Information 979-567-4264

Lodge Meetings: Second Tuesday of each month at 6:30 p.m. at the lodge hall.

Secretary Michelle Mendez 979-567-9144 m-r-mendez@tamu.edu

Youth Club Meetings: First Sunday of each month at 2:30 p.m. at the lodge hall.

Youth Leader Yolanda Brinkman 979-567-0637 ymbrinkman@cvm.tamu.edu

Sales Agents Thomas Cannon 979-567-4264 jtcannon60@hotmail.com Margaret Haisler 979-272-8657 margarethaisler@hotmail.com Michelle Mendez 979-567-9144 m-r-mendez@tamu.edu Victor Mendez, Jr. 979-567-9144

LODGE 187 ROUND ROCK (2)

Lodge Hall: 920 Luther Peterson Place, Round Rock. Directions: From Taylor, take Highway 79 into Round Rock until you get to Sunrise. There will be a 7-11 store on the right. Turn right and proceed past Hopewell School. Continue through the four-way stop.

Luther Peterson Boulevard is the first street on the left. From Temple, take IH 35 South.

Just past Georgetown, exit on University Boulevard. Proceed to stop sign. Take left on University Boulevard The third street is Sunrise. Take right onto Sunrise. The second street to the right will be Luther Peterson Boulevard.

Hall Rental Information 512-255-1554 • 512-771-4948

Lodge Meetings: Second Sunday of each month, 2 to 3 p.m. at the lodge hall.

Secretary Deborah Rohlack 512-897-2616 • deborah_rohlack@dell.com

30

Sales Agents Christopher Giesenschlag 830-385-6955 cgiesenschlag94@gmail.com Rubie M. Volek, FIC 512-771-4948 rubiebr@sbcglobal.net

LODGE 189 BRYAN-COLLEGE STATION (1)

Lodge Meetings: Second Sunday of March, June, September, and December at 2 p.m. at (unless otherwise noted) C and J Barbecue, 1010 South Texas Avenue in Bryan.

Secretary Gerald Rieger, Sr. 979-778-1592 • riegergeraldb@gmail.com

Sales Agents Frank Bosquez, Jr. 979-739-6884 Henry P. Mayo 979-693-5818 hpmayo@gmail.com Uldric Zemanek, Jr. 979-822-3277 buddyzmf@verizon.net

LODGE 191 LUFKIN (5)

Lodge Hall: 197 Hughes Street, Lufkin.

Hall Rental Information 936-875-2867 Hall Phone: 936-637-2706

Lodge Meetings: Monday before the third Friday night of each month at 7 p.m. at the lodge hall.

Secretary Patricia Ann Scogin 936-875-2867 georgepat@consolidated.net

Sales Agents Calvin Anderson, II 936-634-1962 clandy1962@yahoo.com Tucker Weems 936-634-4081 tucker@sgtitle.com

LODGE 196 HOUSTON-WEST (5)

Lodge Hall: 17810 Huffmeister Road, Cypress. Directions: Off Highway 290 West at Skinner.

Hall Rental Information 281-351-1045 • 281-373-9482 Hall Phone: 281-373-9482

Lodge Meetings: Second Sunday of each month at 1 p.m. at the lodge hall.

Secretary Deann Beckendorf 254-275-8028 joh.becken@yahoo.com

Sales Agents Deann Beckendorf 254-275-8028 joh.becken@yahoo.com Mark Childres 832-496-6646 childresins@att.net Delisle Doherty 832-232-2049 delisled@sbcglobal.net Donald Fruin 832-651-5388 dfruin@fruinandassociates.com Jane Muthee 713-256-1883 businesstoday100@gmail.com Cecil Penright 281-820-3677 cpenright@yahoo.com Cecil Roberts, FIC 281-498-0307 cecrobie@sbcglobal.net

2015 SPJST Life Insurance and Annuity Extra

LODGE 200 BRUCEVILLE-EDDY (2)

Lodge Meetings: First Wednesday of each month at 6:30 p.m. at Taylor Hall/BrucevilleEddy Senior Center, 100 Fourth Street, Eddy.

Secretary Michael Hosch 254-859-3989 althamas@yahoo.com

Sales Agents Sandra Garrett 254-938-2424 garrett.sandra11231@yahoo.com Gene McBride 254-228-6465 gmcbride38@yahoo.com David Nauert, FIC 254-534-0809 davidn@vvm.com

LODGE 201 BLEIBLERVILLENELSONVILLE (1)

Lodge Hall: 3948 FM 2502, Bleiblerville. Directions: Lodge building is across the street from the post office in Bleiblerville.

Hall Rental Information 979-830-0796 • 979-830-0118

Lodge Meetings: Second Sunday of each month at 3 p.m. at the lodge hall.

Secretary Elaine Duron 979-836-5446

LODGE 202 JOURDANTON (7)

Lodge Meetings: First Sunday of each month at 2 p.m. (March, June, September, and December at 1 p.m.) at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton.

Secretary Bettie House 830-281-8246 • bvhouse@att.net

Youth Club Meetings: First Sunday of each month at 1:15 p.m. at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton.

Youth Leader Regina House 830-569-5070 • spjst202youth@gmail.com

Sales Agents Janice Favor jfavor1@satx.rr.com Cheryl Henry cghenry@directv.net Chester Gail Lee cgrlee@sbcglobal.net Linda Ramey, FIC linda@rameyins.com Catherine Sadler sadlercj@hotmail.com

830-429-3090

830-570-0100

830-579-4714

830-393-3320

210-347-6021

LODGE 204 STEPHENVILLE (3)

Lodge Meetings: Call Norman Kneschk 254-386-3222 or email normk_82@hughes.net for meeting date, time, and location.

Secretary Sandra Pierce 254-485-5801 sklpierce@hotmail.com

Sales Agents Norman Kneschk, FIC 254-386-3222 normk@htcomp.net Philip McBee, FICF, CFFM 325-647-1949 philipmcbee@aol.com

Floyd Pierce sklpierce@hotmail.com Sandra Pierce sklpierce@hotmail.com

254-965-5953

254-485-5801

LODGE 207 IOWA PARK (4)

Lodge Meetings: Third Thursday of each month at 6 p.m. Call lodge secretary or sales agents for meeting location.

Secretary Joyce Kotulek 940-855-0882 dkotulek@clearwire.net

Sales Agents Dennis Kotulek 940-855-0882 dkotulek@clearwire.net 940-855-0882 Joyce Kotulek dkotulek@clearwire.net

LODGE 215 SOUTH PLAINS (4)

Lodge Meetings: Every third Sunday of January, March, May, July, and September at 6 p.m. Call lodge secretary for meeting location.

Secretary Pam Lehmann 806-561-4822 • plehmann@poka.com

Youth Club Meetings: Third Sunday of each month at 5 p.m. Contact Youth Leader Janeece Williams 806-990-3351 for location.

Youth Leader Janeece Williams 806-495-3351 • jkraawill@poka.com

Sales Agents Cynthia Flores 806-729-9880 cindy_er2006@yahoo.com Leah Flores 806-293-2651 leahflores101_hotmail.com Roxanne Garcia 806-518-4801 roxyg79072@gmail.com Will Carson Lehmann 806-441-2636 wcwl19@poka.com Jo Della Turpen 940-779-3446 joturpen@netcommander.com Johnie Turpen 806-543-0433 ragmando@yahoo.com Johnie Turpen, II 806-895-4448 ragmando@yahoo.com Melissa Turpen 806-293-2651 ragmando@yahoo.com Janeece Williams 806-495-3351 jkraa5@yahoo.com

LODGE 219 EL PASO (4)

Lodge Meetings: Second Wednesday of each month at 9 a.m. Call lodge secretary for meeting location.

Secretary Edna Rivas 915-727-2048 • elmireles@yahoo.com

Sales Agents Ana Ahumada, FIC anajahumada@gmail.com Ana Albo-Bonilla ana.albo@lycos.com David Corral sn1092591@yahoo.com Victor Corral vmcorral@yahoo.com Guillermo Dieguez

915-867-8007

915-694-0846

915-274-2451

915-790-7108

915-252-7324

Margarita Duran 915-345-8719 mom3002002@yahoo.com Hilda Escajeda 915-328-4915 escajedahr@yahoo.com Javier Felix 915-202-4386 javier19912@msn.com Sylvia Fernandez 915-584-7697 sylviafcastaneda@gmail.com Aida Gonzales 915-383-0504 agonzales2006@hotmail.com Ivan Grajeda 915-540-1253 grajeda.iflex@gmail.com Luis Grajeda, Jr. 915-867-3399 lsgrajeda@yahoo.com Julian Guedea 915-926-9503 guedeag@yahoo.com Denise Guzman 915-538-6253 akai.guzman@gmail.com Gloria Guzman 915-588-9815 epgguzman@yahoo.com Reynaldo Lopez, Jr. 915-667-3702 rlopezjr88@yahoo.com Ivan Melchor 915-922-9407 imelchor5247@yahoo.com Elizabeth McCue 915-203-4710 lizmccue@q.com Elizabeth McKula 915-843-7578 emckula@gmail.com Arleen Mendoza 915-258-8952 arleenmendoza82@yahoo.com Michelle Noriega 915-241-3305 mnoriega2@yahoo.com Virginia Noriega 915-526-6984 Baltazar Nunez, FIC 915-584-8484 onebestidea@yahoo.com David Orona 915-887-9345 djo210@aol.com Elvira Ovando 915-691-3297 elvira_ovando@us.aflac.com Max Parra, Jr. 915-433-7123 maxgparra@gmail.com Jesus A. Perea 915-494-1009 Jose D. Perez 915-313-5220 jpere374@gmail.com 915-245-8725 Rosa Ramirez 915-694-6029 rmrescarcega7@gmail.com Guadalupe Rangel 915-921-1860 guadaluperangel@msn.com Julio Rangel 915-856-3619 rangeljr7@yahoo.com Alejandro Rivas 915-857-7216 alex_rrivas@yahoo.com Arnulfo Rivera, FIC 915-630-8074 arnulfok5@yahoo.com Alma Rodriguez 915-772-2493 rose_rodriguez16@hotmail.com Bertha Rodriguez 915-778-5562 Rafaela Silva 915-613-7805 trinityinsurance@rocketmail.com

LODGE 229 ABILENE (4)

Lodge Meetings: Second Tuesday of each month at 6 p.m. Call for meeting location.

Secretary Tammy Copeland 325-333-4089

Sales Agents Jesusita Hudson 325-370-0573 suziqandlvh@yahoo.com Jerry O’Briant 325-235-2671 hoehand2@sbcglobal.net Antonio Prieto, Jr. 325-340-7830 tonyprieto64@yahoo.com Kathleen Ramos 432-425-1163 kathy_711up@yahoo.com Mark Smith 325-572-4288 marksmithinsuranceagency@hotmail.com Janice Stevens 325-537-9224 stemarjan@taylortel.net Linda Tipton 254-485-3289 tipton.ll@hotmail.com

LODGE 230 MIDLAND (4)

Lodge Meetings: Call for meeting date, time, and location.

Secretary Jessi Montez 432-682-0191

Sales Agents Maria Ruth Gomez 432-352-4099 ruthiegomez75@yahoo.com Olivia Madrid 432-349-9378 omadr4@aol.com Velia Mestas 432-336-5200 veliam@samuelinsurance.com Diana Ramirez 432-889-8487 Laura Ritchie 432-336-3270 katay@hotmail.com Anabel Sierra 432-661-7299 sierra.anabel@yahoo.com Jimmy Slatton 432-683-0812 speedyjscrib@yahoo.com

LODGE 246 MORGAN’S POINT (2)

Lodge Meetings: Second Tuesday of each month at 6 p.m. at SPJST Home Office, 520 North Main Street, Temple.

Secretary Melanie Zavodny 254-534-0807 melaniez@vvm.com

Youth Club Meetings: Contact youth leader for meeting date, time, and location.

Youth Leader Ingrid Petrik 254-760-1831 • itcp315gmail.com

2015 SPJST Life Insurance and Annuity Extra

Sales Agents Ronnie Gaines 254-458-5781 Tamara Gettys 254-598-2831 tamarag@spjst.com James Hutto 325-247-5918 terry@huttoins.com Don Miller 254-760-3726 don@texianinsurance.com Michael Miller 254-913-6641 mmiller10@farmersagent.com Matthew Scott Reid 254-493-9058 scottreid35@att.net Marissa Salinas 254-220-9240 marisal0525@yahoo.com Mary Shockley 325-277-6467 m2sweet22@yahoo.com

Larry Quinn larrydquinn@aol.com Lee Ann Shinn lashi@suddenlink.net

Lodge Meetings: Call President Chester Jenke 210-413-3053 or Treasurer Colleen Jenke 210-215-9494 for meeting date, time, and location.

Sales Agents David G. Cooper 254-353-2012 dcooper@windstream.net Melissa Pew 254-729-5005 254-729-3433 coffee.insurance@yahoo.com

LODGE 258 SEGUIN (7)

Secretary Henrietta Lowak 210-667-1435 • hjlowak@yahoo.com

Sales Agents Dominga Esquivel dotesquivel@hotmail.com Chester Jenke, Sr., FICF cejenke@gvec.net Colleen Jenke jenkecw1@aol.com Kurt Strey kurt@streyinsurance.com

512-396-0642

830-303-4316

830-303-4316

830-779-2238 210-912-0850

H H H End of Active Lodges H H H

Inactive Lodges with Secretary and/or Sales Agent Contacts

LODGE 21, ENGLE (1) Secretary James Kubecka 361-865-2677

LODGE 57, GONZALES (1) Secretary Tommy Wilson 830-672-3614

LODGE 82, ENNIS (3) Secretary Miles S. Strunc 972-875-6757

LODGE 94, WHEELOCK (1) Secretary Lloyd Scasta 979-589-2328

LODGE 101, GAINESVILLE (3) Secretary Rudy Paclik 940-668-6259

LODGE 106, LA GRANGE (1) Secretary Charlie Ripper 979-968-5603

LODGE 125, WESTHOFF (6) Secretary Edwin A. Baros 361-275-8877

LODGE 149, ALVIN (5) Secretary Carole Truksa 281-585-3143

LODGE 171, LOCKHART (1)

Sales Agents Carol Castillo 512-787-3430 carol@the-insurance-team.com

William “Bill” Cleveland 512-488-2282 william@the-insurance-team.com Carlos Eureste 512-529-5429 eurestelinda@yahoo.com Linda Eureste 512-376-0104 eurestelinda@yahoo.com Milagros Eureste 512-412-2271 spjstmilagros@gmail.com Tracy Kennemer 512-227-4203 tracy@the-insurance-team.com Rufus Morales 512-804-6969 rufusmorales@gmail.com Dana Murray 512-227-1488 dana@the-insurance-team.com Gloria Peralez 512-749-5551 cristal@the-insurance-team.com Clint Roberts, FIC 512-398-6755 clint@the-insurance-team.com Kelsey Schawe 512-376-5141 kelsey@the-insurance-team.com Kenneth Schawe 512-398-4433 ken@the-insurance-team.com Carrie Staton, FIC 512-738-0801 carrie@the-insurance-team.com

903-753-8338

903-539-3369

LODGE 188, CENTERVILLE (1)

Sales Agents Sharon Carrigan 979-828-5249 Belinda Liner 979-280-0221 gailfbc@windstream.net Rhonda Stover 979-828-5041 rsins@valornet.com

LODGE 206, TRI COUNTIES (3) Secretary Wilmer Herring 254-562-7508 wilmerherring@yahoo.com

LODGE 223, PALACIOS (6)

Robert Solis

Sales Agent

31

361-972-2420

LODGE 226, CORSICANA (3)*

Sales Agents Denise Brown 903-874-5242 joepeg@sbcglobal.net Doris Horne 254-722-9760 dhorne822@aol.com Oda Ruth Martin 903-425-4842 odamartin@hotmail.com

LODGE 234, LULING (1)

Sales Agent Boyd Maxwell 830-875-3244 rob1956@att.net

LODGE 238 GOLDTHWAITE (4)*

Sales Agent Kim Wesson 325-648-3065 kwesson@centex.net

LODGE 242, AMARILLO (4)*

Sales Agents Lesa Browning 940-585-4625 tellgatelb@yahoo.com Helen Lambert 940-937-2077 slins79201@sbcglobal.net

LODGE 256 DENVER CITY (4)*

Sales Agents Dennis Haralson 432-758-5886 dennis@moore-haralson.com Susan Leach 806-592-9184 sleach@valornet.com

LODGE 264, PLANO (3)*

Sales Agent Dennis Bradford, FICF 972-215-6999 dbradford42@yahoo.com

LODGE 265, ODESSA (4)*

Sales Agents Stanley Huffty 432-638-1681 stan_readydrill@yahoo.com Kerry Woodard 432-550-2211 woodardk@att.net

LODGE 272, DEL RIO (4)*

Sales Agents Loida Arellano 830-469-9789 loidaac26@yahoo.com Taide Blas 830-719-6899 Maribel Canela 830-374-2844 mlcanela@yahoo.com Liliana R. Cedillo 830-765-8482 dlgchivas@gmail.com Juan Diego 830-719-9342 diegoj@wconline.net Ayde B. Garcia 830-422-2887 monalisa_2205@hotmail.com Lisa Garcia 830-313-8601 lisadgarcia.agent@gmail.com Cynthia Hargrove 830-313-2776 cindyaubry21@aol.com Tammy Hyslop 830-734-1048 tammyhyslop@hotmail.com Maria Mendoza 915-920-8769 imary60@yahoo.com Antonio Morales 210-501-4751 af.morales@att.net Rosa Morales 210-383-9275 rosa57@sbcglobal.net Theresa Murray 830-313-0975 tmurray3@sbcglobal.net Martin Olvera 830-298-7672 Kathryn Raabe 830-719-3131 dzertuche@stx.rr.com Salina Raymond 210-849-4742 ins.box1@gmail.com Priscilla Tovar 210-367-6783 priscilla.tovar@gmail.com Rolando Vargas 830-469-9003 rgvargas@live.com

* Lodge Not Organized

LODGE 178, LONGVIEW (3)

Sales Agents Ronnie Ballard 903-785-0467 ronnie@ballardinsurance.net Vicki Ballard 903-785-0467 vicki@ballardinsurance.net David Cotham, Jr. 903-736-4637 903-758-1966 cotham75605@yahoo.com Robert Lessmeier, II 903-452-8989 rlessmeier@gmail.com Fredrick Miller, Jr. 903-639-1990 lonewolf-insurance@insurer.com

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