2016 Life Insurance and Annuity Extra -...

2016 Life 2016 Life Insurance Insurance

and Annuity and Annuity ExtraExtra

Insuring & Enriching Lives

A special VĚSTNÍK publication. Volume 104 Number 12ISSN —07458800

2 2016 SPJST Life Insurance and Annuity Extra

2016 SPJST Life Insuranceand Annuity Extra

SPJST OFFICERSPresident Brian Vanicek, FIC

Office: 254-773-1575Mobile: 254-534-2902Home: 254-985-0007

vanicek@spjst.com

Vice President Clifton Coufal, FIC

Office: 254-773-1575Mobile: 254-931-5231

cliftonc@spjst.com

Secretary-Treasurer Leonard D. Mikeska, FIC

Office: 254-773-1575Mobile: 254-721-4739Home: 254-778-3720leonardm@spjst.com

Financial SecretaryRoy Vajdak

Office: 254-773-1575royv@spjst.com

SPJST DIRECTORSDonnie Victorick, FIC, CFFMDistrict One PO Box 85

Snook, Texas 77878-0085Home: 979-272-3265Mobile: 979-224-3125dv.aggie@verizon.net

Jesse PospisilDistrict Two 4710 FM 1331

Taylor, Texas 76574-2164Home: 512-365-1110

Mobile: 512-826-7371jlpospisil@yahoo.com

John EngelkeDistrict Three 6475 Gholson Rd

Waco, Texas 76705-5330Home: 254-799-4247

john.engelke@hotmail.com

Billy Rollwitz, FIC, CFFMDistrict Four PO Box 195

Rowena, Texas 76875-0195Home: 325-442-3141Mobile: 325-277-5362Office: 325-442-3038brollwitz@verizon.net

Larry W. Pflughaupt, FICDistrict Five 1243 Clovis Rd

Houston, Texas 77008-6232Home: 713-864-2163

lpflugh@aol.com

Karen Kaspar, FIC, CFFMDistrict Six 8550 N State Highway 71

El Campo, Texas 77437-9819Home: 979-543-2532Mobile: 979-332-1616k-kaspar@hotmail.com

Bob J. Bayer, FICDistrict Seven 4188 FM 1303

Floresville, Texas 78114-6092Home: 830-393-2872

blackbayer39@hotmail.com

FRATERNAL FIELD MANAGERS

DISTRICTS ONE/TWO/THREEPhilip (Phil) McBee, FICF, CFFM

Mobile: 325-647-1949Fax: 325-784-7448

philipmcbee@aol.com

DISTRICTS FOUR/SEVENBobby Davis, FICF, CFFM

Mobile: 325-450-3748Fax: 325-657-2003

bgdsr2428@aol.com

DISTRICTS FIVE/SIXDelisle Doherty

Mobile: 832-232-2049Fax: 281-855-3039

delisled@sbcglobal.net

STATE FRATERNALACTIVITIES COORDINATOR

Frank HorakOffice: 254-773-1575

Mobile: 254-534-0681frankh@spjst.com

STATE YOUTH DIRECTORLynette Talasek

Office: 254-773-1575Mobile: 254-931-0639

lynettet@spjst.com

VĚSTNÍKSPJST’s Weekly Member Newspaper

Editor/Director of CommunicationMelanie Zavodny, FIC

Office: 254-773-1575Mobile: 254-534-0807

Fax: 254-773-8087melaniez@vvm.com

Published March 23, 2016, in lieu of the Vestnik (VOLUME 104, NO. 12), the2016 SPJST Life Insurance and Annuity Extra provides a summary of generalinsurance information and of the insurance plans and annuity programs availableto qualifying SPJST members and prospective members.

SPJST HOME OFFICEPO Box 100 • Temple, Texas 76503

800-727-7578 • 254-773-1575 • Fax: 254-774-7447 • www.spjst.org

Table of ContentsSPJST Insurance Department Staff ..............................................................................3SPJST Celebrates 119 Years of Fraternalism..............................................................4Annual Reviews Available to all Members...................................................................6How often should I review my SPJST certificate?......................................................6Different types of life insurance....................................................................................7Tips on buying life insurance........................................................................................7Affordable Insurance Options.......................................................................................8Should I buy life insurance through work or on my own?.........................................8What you should know about buying life insurance..................................................9How to purchase insurance: Choosing an agent ......................................................9How to purchase insurance: Choosing a policy......................................................10How to purchase insurance: Questions about a policy..........................................14What is an annuity? .....................................................................................................16Why should I consider purchasing an annuity? .......................................................16How are annuities different from life insurance?......................................................17What are the different types of annuities: fixed vs. variable ..................................17What is the difference between a fixed and variable annuity?................................18What are deferred and immediate annuities? ...........................................................18How much should I invest in an annuity?..................................................................19What is a “free-look” provision?.................................................................................19What are surrender fees? ............................................................................................19SPJST Annuities .........................................................................................................19SPJST Youth Program Aims High...............................................................................21SPJST Scholarships and Grants ................................................................................22SPJST Mortgage Loan Program .................................................................................22SPJST Supports Established, Fledgling Charities ...................................................22SPJST Endowed and Sponsorship Scholarship Opportunities .............................23Directory of SPJST Lodges, Youth Clubs, and Sales Agents.............................24-31

What is SPJST?We insure and enrich lives.

What is SPJST’s vision?Our vision is to provide

a wholesome family environment;

to encourage cherishedCzech traditions;

and to provide high quality, competitive

life insurance for our members.

VĚSTNÍK, (USPS 658480) is published weekly except the last week of Septem-ber and the fourth week of December by VĚSTNÍK, PO Box 100, Temple, TX76503-0100. 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 additionalmailing offices. The exchange of opinions, ideas and information is a vital aspectof our fraternal Society and enables us to make more informed decisions. Theviews expressed by writers in the Vestnik do not necessarily represent the viewsof the Editor or SPJST management. Please sign all correspondence intendedfor publication. POSTMASTER: Send address changes to VĚSTNÍK c/o Finan-cial Secretary Roy Vajdak, PO Box 100, Temple, TX 76503-0100.

2016 SPJST Life Insurance and Annuity Extra 3

Clifton Coufal, FIC

Supreme LodgeVice President

Philip (Phil) McBeeFICF, CFFM

Fraternal Field ManagerDistricts One/Two/Three

Bobby DavisFICF, CFFM

Fraternal Field ManagerDistricts Four/Seven

Delisle Doherty

Fraternal Field ManagerDistricts Five/Six

Virginia LongoriaMember ServiceRepresentative

Lisa MillsAdministrative Assistantto the Vice President

6 Years Service

8 Years Service

1 Year Service

30 Years Service

8 Years Service

11 Years Service

onths Service

Dana BoydAdministrative and

Underwriting Assistant

onths Service

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

Home Office520 North Main

Street Temple, Texaswww.spjst.orgContact InformationMailing Address:PO Box 100

Temple, TX 76503-0100Delivery Address: 520 N Main St

Temple, TX 76501-3247Toll Free Phone: 800-727-7578

Temple Area Phone:254-773-1575

Susan ShofnerCustomer Service

Specialist

Lori SlackInsurance/Beneficiary

Specialist

15 Years Service

8 Years Service

Doris TyrochCertificate IssueTechnician

50 Years Service

Cynthia Hutka

Insurance OperationsManager

Doni Powell

Underwriter16

Years Service

Donica ZabcikNew Business Marketingand Research Technician

12 Years Service

SPJST Celebrates 119 Years of Fraternalism1897 - 2016: A Colorful History, A Bright Future

The Basics of Fraternalism and an SPJST OverviewThrough 103 lodges throughout the

State of Texas, SPJST offers productsand services that offer protection, thatcelebrate achievement and that bringpeople together. Insuring and enrich-ing 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, andwhat it has to offer. Understanding thebasis of “fraternalism,” how SPJSTstarted and how it grew all contributeour understanding of the Society andthe high ideals of Benevolence, Hu-manity, and Brotherhood that it seeksto 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 worditself. The word “fraternal” is derivedfrom the Latin fraternaliswhich means“of, or befitting a brother.”Fraternalism and fraternal life insur-

ance are founded upon the principlethat every individual is his brother’skeeper and that each of us has a re-sponsibility to help each other. It wasthis spirit of doing good to each otherthat inspired the idea of the earliest fra-ternal societies.Fraternalism — this spirit of broth-

erhood — was expressed in the looselyorganized and semi-religious societiesof ancient Greece which provided fi-nancial aid to their members in timesof sickness and death. These early societies had another

purpose, too. In addition to providingfinancial support to the families of de-parted members, they recognized thesocial need of human beings for com-panionship. As a result, these earlyfriendly societies and guilds provideda way for people to meet at friendlygatherings.SPJST’s Fraternal Roots Go DeepSPJST’s roots run deep in the his-

tory of the American fraternal benefitsystem. During the 1880s and 1890s,many Texans of Czech ancestry joinedthe nationwide fraternal order knownas the Cesko-Slovanska PodporujiciSpolecnost (C.S.P.S.). The organiza-tion is recognized today as theCzechoslovak Society of America(CSA).

In 1897, there were 27 C.S.P.S.lodges in Texas. Founded in 1854 inSt. Louis, Missouri, by Czechoslovakimmigrants, C.S.P.S was organized toprovide security for their widows andchildren upon their death. The C.S.P.S.truly laid the groundwork for a modernfraternal in this country, which servedas a model for many other fraternalbenefit societies in America organizedin later years.For more than 150 years, fraternal

organizations have been a force forgood in North America. In addition toproviding life insurance, they servetheir members and society at largethrough cultural, social, educational,and various civic and fundraising ac-tivities.Democratic principles are an impor-

tant aspect of membership in a fraternalorganization. Members elect theirlocal officers as well as their society’sdirectors and officers. Strength in NumbersAmerican Fraternal Alliance,

formed in 1886, unites 70 not-for-profitfraternal benefit societies operating in50 states, the District of Columbia, andCanada. Alliance member societiesrepresent nearly 10.5 million individu-als. SPJST is proud of its longstanding

relationship with the Alliance. In re-cent years, various SPJST programsand members and officials have beencited for fraternal excellence, includingtop recognition in the Alliance’s Fra-ternalist of the Year program. Over the years, SPJST officials have

also held various leadership roleswithin the Alliance. Each year throughthis unique structure, members of fra-ternal benefit societies invest more than92.5 million hours in communityworks and contribute more than $414million to charitable programs sup-porting community service projectsmaking it one of the largest volunteernetworks of community and socialservice providers in existence.In 2015, SPJST members con-

tributed more than 110,000 hours incommunity service time and more than$326,000 to charitable causes.On the statewide level, Texas-domi-

ciled fraternals are united through reg-ular participation in meetings andactivities of the Fraternal Alliance OfTexas (FAOT). Annual FAOT events

supported by SPJST in 2016 includethe FAOT Bowling Tournament inNew Braunfels on February 13 and theFAOT Legislative Awareness Day atthe Texas State Capitol on Tuesday,April 14.Czech Immigration to Texas Paved the Way for SPJSTThe Texas Almanac provides us with

a summary outline of the history ofCzech immigration to Texas. In De-cember 1849, Reverend Josef ArnostBergmann left his Czech homeland tominister to German Protestants inTexas.Pastor Bergmann and his family ar-

rived in Galveston in 1850 and madetheir way to Cat Spring. There inAustin County, he led the Easter serv-ice for the congregation that had hiredhim, and he soon wrote a letter prais-ing Texas to friends and family backhome.That letter, published in the

Moravské Noviny (Moravia News),suggested opportunity to the familiesstruggling on the overcrowded farm-lands of Central Europe. Also, it of-fered hope to merchants and craftsmenleft frustrated after the failure of the1848 social uprisings on the Europeancontinent.Bergmann’s letter was the catalyst

of opportunity that has earned him thedesignation of “father” of Czech immi-gration to Texas.By the Civil War, there were about

700 Czechs in Texas, many withUnionist and abolitionist sentiments.However, some fought in the Confed-erate army, while others tried to remainneutral.A second wave of Czech immigra-

tion in the 1870s and 1880s followedthe war. These Czech settlers estab-lished themselves on the CoastalPrairie and the Blackland Prairie fromEllis County near Dallas in the north toVictoria County on the south. A thirdwave after 1900 moved eastward toBrazoria and Fort Bend counties nearHouston.Texas Czech immigrants settled in

some 250 communities mostly withinthe Blackland Prairie. The TexasCoastal Plain region also attracted hun-dreds of families. Generally stated,that represents an area that runs fromCorpus Christi on the south, throughCentral Texas and up to Ennis on the

north. Fayetteville, originally a Ger-man settlement, became Czech by the20th century. The city is often called“the cradle of Czech settlement inTexas.” C.S.P.S. Established Lodges in TexasAs previously noted, during the

1880s and 1890s, many of the TexasCzechs joined a nationwide fraternalorder called C.S.P.S. — Cesko-Slovan-ska 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 discon-tent existed among the members fromTexas and the Midwest. The primaryconcern was that C.S.P.S. insurancepremium guidelines favored the indus-trial workers in the eastern part of theUnited States. Those workers had amuch higher mortality rate than thepeople living in Texas. As such, thepremiums were considered to be overlyexpensive. Texas Delegation Takes Decisive ActionTexas C.S.P.S. members I.J. Gallia

and J.R. Kubena led the efforts to re-form the national C.S.P.S. Shortly afterthe 1896 C.S.P.S. convention, TexasCzechs met in La Grange, Texas, andset about the task of forming a new fra-ternal organization. AugustinHaidusek, Frank Cihal, and J.R.Kubena were charged with the respon-sibility of drafting a constitution.In March 1897, the constitution was

submitted to the Texas C.S.P.S. lodgesfor their consideration. Seven of the 25C.S.P.S. lodges approved the constitutionand withdrew from the older society.Official records indicate that SPJST

— Slovanska Podporujici JednotaStatu Texas —started operationson July 1, 1897,with 866 mem-bers and 25charter lodges.SPJST receivedits state charteron August 12, 1897.SPJST’s first base of operations was

located in Fayetteville, Texas. The cen-tral figure in administering the affairsof the Society, Secretary J.R. Kubena,had his business located in Fayetteville.Until his death in 1938, Kubena ad-ministered the affairs of SPJST out of asingle room in his general store.

The Early YearsFrom the outset, SPJST made a pos-

itive difference in the lives of its mem-bers, providing them with the securityof fraternal life insurance and thevalue-added benefit of belonging to aprogressive social organization. Inmany families, SPJST became an im-portant part of life.During SPJST’s first half century,

American society and lifestyleschanged dramatically. Texas and ournation became progressively more in-dustrialized. Many people includingthe sons and daughters of our first-gen-eration SPJST members moved awayfrom farms and into towns and cities.Oftentimes, they took SPJST withthem. It was during this period thatmany of SPJST’s urban lodges werechartered. It was also near the end ofthis period — in 1952 — that SPJSTrelocated its Home Office to Temple.During the latter half of the 20th

Century, SPJST continued to provideits members with the security of frater-nal life insurance and to reinforce asense of Czechcultural iden-tity. Lodgem e m b e r sworked dili-gently to es-t a b l i s hSPJST’s repu-tation as aproactive fra-ternal organi-zation, sponsoring a wide range offamily-oriented activities, includingsports teams, dances, picnics, plays, or-chestras, and choral and dance groups.In 2016, there are more than 41,500

SPJST members in 103 lodges locatedthroughout the state of Texas. SPJST’slife insurance certificate count exceeds50,000.

SPJST Fields Active Youth ProgramSPJST’s fraternal program is the real

deal when it comes to meeting its fra-ternal obligations on an everyday basis. Through active participation in local

SPJST Youth Clubs and statewideevents, young members between theages of five and 18 develop a greaterawareness of the common bonds thatwe all share. SPJST youth clubs alsowork with community-based organiza-tions, tailoring programs to fit theirlocal needs. SPJST’s summer camping program

fosters a spirit of cooperation, an ap-preciation of the natural environmentand helps campers to achieve their fullpotential. SPJST also sponsors YouthAchievement Day (YAD) competitionson the district and state levels as an ed-ucational activity for SPJST youth clubmembers. Contestants field entries in arange of areas including arts and crafts,music, dance, drama, and public speak-ing. State Youth Director Lynette Talasek

and District Youth Counselors plan anddirect activities and programs as wellas formulate the rules and regulationsfor our youth program. Sister Talasek,assisted by Fraternal Services Special-ist Tammy Martinez, oversees SPJST’syouth program. It is difficult to overstate the value

of the collaborative ties that existwithin the SPJST youth program andthat are nurtured by our statewide Dis-trict Youth Counselors, their assistants,and youth leaders. They know the im-portance of working together toachieve common goals. Their com-mitment represents a powerful anddriving force behind the success of theSPJST youth program.

How to Qualify to Attend SPJST Summer CampGenerally stated, SPJST camp is

provided on the basis of participationin SPJST activities. To qualify forcamp, active youth club members mustattend seven out of 12 youth meetingsin the months preceding camp. Anyyouth (previous member or new cer-tificate) who initially joins the youthclub must attend the majority of meet-ings to be eligible for camp. Anotherway to qualify for camp is to attendseven out of 12 adult meetings inlodges where there are no youth clubs.Non-active youth members may attendcamp for a fee that is determined bytheir District Youth Counselor. Youthcamp funds come from an annual allo-cation funded by the SPJST SupremeLodge.

Youth Achievement Days Showcase Skills and TalentsIn addition to its summer camp pro-

gram, SPJST offers its young membersa program encouraging them to partic-ipate in a range of individual skills andtalent competitions. The program cul-minates with the State Youth Achieve-ment Day (YAD) and Royalty Contest,held in Temple on the first Saturday inAugust. Annually, more than 300 young

people from across Texas participate inState YAD, the grand finale of the sum-mer long district contests. The compe-tition covers talent, speech and crafts.It is cooperative efforts such as thesethat truly symbolize the great potentialof the SPJST young and old workingtogether to achieve common goals andenjoying life together. SPJST Scholarship ProgramSince its inception, SPJST has pre-

sented more than 2,100 scholarshipsvalued at more than $1.5 million. In the spring of 2014, SPJST pre-

sented 62 - $1,000 scholarships to de-serving high school seniors and collegeundergraduates. This total does not in-clude the many scholarships that arealso awarded by our local lodges. Ad-ditional royalty and merit scholarshipswere presented at State Youth Achieve-ment Day in August. General scholarships were estab-

lished in 1982 for all SPJST members.General scholarships are funded by theSupreme Lodge and voluntary contri-butions by SPJST members. Accord-ingly, the more funds available, themore scholarships awarded. Leader-ship grants were established in 1996 foractive youth club members. Leader-ship grants are funded solely throughallocations by the Supreme Lodge.All scholarship and grant applicants

must have an active SPJST insurancecertificate in force for at least one yearas of February 1; be a full-time student;hold an active SPJST insurance certifi-cate for the duration of the scholarship;be a high school graduate or equiva-lent; and attend an accredited two- orfour-year college, university, or techni-cal college.General scholarship recipients may

only receive one general scholarship.Active youth club members are en-couraged to apply for both the leader-ship grant and the general scholarshipin their senior year of high school;however, they are only eligible to re-ceive one. All required application materials

must be received by the Home Officeby February 1.To request an application, please

contact Assistant to the President San-dra Dubcak. You may also go onlinefor more information at spjst.org.

Fraternal Program Continues to EvolveWhereas Lynette Talasek tends to

matters of business relating to theyouth program, State Fraternal Activi-ties Coordinator Frank Horak providesadult lodges across the state with assis-tance in the area of officer training,lodge development and fraternal pro-gramming. Brother Horak also helps toorganize many of our SPJST statewideevents and contests. Fraternal Services Specialist Tammy

Martinez, works in the SPJST HomeOffice, handling fraternal activity ad-ministrative functions as well as or-ganizing SPJST statewide tournamentsand assisting with local lodge and dis-trict activities. District Fraternal Ac-tivities Coordinators, elected at theirdistrict spring meetings, also facilitatemany of the activities that take place intheir respective districts.In recent years, SPJST’s fraternal

line-up has expanded to include a widerange of adult- and youth-oriented ac-tivities as well as opportunities forservice and extolling patriotism. In2009, SPJST took the role in leadingthe drive to construct the Fort HoodNovember 5th, 2009 Memorial inKilleen. The site honors the victimsand provides a historic record of thistragedy in order to deliver a message ofvigilance for generations to come. Thememorial was unveiled and dedicatedon March 11, 2016.Regional Rallying PointsIn recent years, SPJST has intro-

duced several new regional fraternalrallying points for members andprospective members. Popular frater-nal venues in recent years have in-cluded the Fraternal Alliance of Texas(FAOT) Bowling Tournament in NewBraunfels, Heritage Day at the StateFair of Texas, SPJST Car Show andCzech Heritage Day Celebration (Tem-ple/Seaton), Kolache Eating Contestsat Caldwell Kolache Festival and Na-tional Polka Festival in Ennis, SlavicHeritage Festival in Houston, WestfestCultural Amphitheatre Presentationand Horseshoe Tournament, and Cor-pus Christi Get Away Weekend.In June 2007, SPJST organizers co-

ordinated and hosted Texas’ first Leg-islative Awareness Week at the TexasState Capitol in Austin. That event wasrepeated in 2009, 2011, and 2013 withthe Legislative Awareness Day picnicon the grounds of the Texas State Capi-tol — each of which has been attendedby more than 500 state legislators andstaff members. The 2017 event isscheduled for April 14.

—SPJST—

Thank you for your membershipin SPJST. You are a valued part ofwhat makes SPJST a great organi-zation that provides benefits, cover-age, and services. These are all

designed to not only provide securityand peace of mind to you and yourfamily, but to provide a better qual-ity of life with others who value faith,family, and community.

As part of our continued and valuedservice to our members, SPJST has im-plemented a program to ensure that yourcertificate information, such as namedbeneficiary and insurance coverage, iscorrect and up-to-date. By reviewingand knowing that your information iscurrent, you can be assured that you arereceiving the full value of your mem-

bership, and you have peace of mindthat your loved ones will receive thecare they deserve. Please take advantage of this service.

SPJST has the most competitive insur-ance products, annuities and IRAs tomeet each family need along with beinga fraternal society that recognizes itsproud heritage and believes strongly inits youth by teaching patriotism, goodcitizenship, teamwork, and leadership.And, if you have recommendations fornew lodge members, please share themwith your Fraternal Field Manager orlocal SPJST lodge sales agent. Yourname will be entered in SPJST’smonthly drawing.

How Often Should I Review My SPJST Certificate?If you have a major life event, you

should contact your SPJST agent or theSPJST Home Office. This event inyour life may have a significant impacton your insurance needs. Life events orchanges may include:

• Marriage

• A child or grandchild who is born oradopted

• Graduation from school or college

• Significant changes in your health orthat of your spouse

• Death of your spouse

• Divorce

• Taking on the financial responsibil-ity of an aging parent

• Purchasing a new home

• A loved one who requires long-termcare

• Refinancing your home

• Coming into an inheritance

For 119 years, SPJST has been ashining example in Texas of secure in-surance plans and dedicated ideals offraternalism. All this is possible be-cause of you, our member. If you havequestions or need our assistance in anyway from the Home Office, please callon us at 800-72-SPJST or 800-727-7578. We are here to help you.

—SPJST—

MORE THAN A CENTURY OF SERVICE

DEDICATED TO COMMUNITIES

A VITAL COMMUNITY ROLE

Insuring & Enriching LivesInsuring & Enriching LivesHome Office at 520 North Main Street • Temple, Texas • 800-727-7578 • www.spjst.org

$320,000 110,000service hours

• Fort Hood November 5 Memorial• West Benevolence Fund• Ronald McDonald House• Animal Shelters• Children’s Hospitals• Schools

Annual Reviews Available To All Members

The money your beneficiary re-ceives can help cover expenses and en-sure that your family is not burdenedwith debt.What are the different types of insurance?There are two basic types of life in-

surance: permanent and term. Perma-nent insurance pays your beneficiarywhenever you may die; term insurancepays your beneficiary if you die duringa specific period of time. The moneyyour beneficiary receives can helpcover expenses and ensure that yourfamily is not burdened with debt.What is permanent insurance?Permanent (cash value) insurance

provides lifelong protection as long aspremiums are paid. It may build upcash value over time, which grows taxdeferred. With all permanent policies,the cash value is different from the faceamount. The face amount is the moneythat will be paid to your beneficiary ifyou die. Cash value takes time to grow.But after you’ve held the policy forseveral years, its cash value can offeryou 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 youdon’t repay the loan (including inter-est), it will reduce the amount paid toyour beneficiaries after your death.• You can use the cash value to pay

your premiums or to buy more cover-age.• You can exchange the policy by

using the cash value for an annuity thatwill provide a steady stream of retire-ment income for life or a specified pe-riod.• You can cancel (surrender) the pol-

icy and receive the cash value in a lumpsum. You will pay taxes on the valuethat exceeds what you’ve paid in pre-miums.Basic types of cash value insuranceWhole life offers premiums that

generally stay fixed over the life of thepolicy, a fixed death benefit, and cashvalue that grows at a fixed rate of re-turn.Universal life gives you flexibility

in setting premium payments and thedeath benefit. Changes must be madewithin certain guidelines set by the pol-icy; to increase a death benefit, the in-surer usually requires evidence of

continued good health. A universal lifepolicy can have a variable component. What is term insurance?Term insurance provides protection

for a defined period of time—from oneyear to 10, 20, or even 30 years—andpays benefits only if you die during thatperiod. Term insurance is often used tocover financial obligations that willdisappear over time, such as tuition ormortgage payments. Premiums forterm insurance either can be fixed forthe length of the term or can increaseat a point specified in the policy. Theyalso can be less expensive than for acash value policy.Some term policies can be renewed

at the end of a term. However, pre-mium rates will usually increase uponrenewal. To qualify for renewal at thelowest rates, many policies require ev-idence of insurability (continued goodhealth). At the end of a term, you alsomay be able to convert the policy to apermanent policy. Term policies don’tusually build up a cash value.

What are the advantages and disadvantages

of each type of insurance?

Cash Value InsuranceAdvantages• Lifelong protections as long as the

premiums are paid.• Premium costs that can be fixed or

flexible to meet individual financialneeds.• Cash value, which can be: used to

pay premiums or buy more coverage;borrowed against; converted to an an-nuity; 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 afteronly a few years can be expensive.Term InsuranceAdvantages• A policy can cover financial obli-

gations that will disappear over time,such as a mortgage or college ex-penses.• Premiums are generally lower than

those for cash value insurance atyounger ages.Term InsuranceDisadvantages• Provides protection for a specific

period of time, not for life.• Renewing coverage at the end of

the term generally means premiumswill increase.• Policies don’t usually build up a

cash value.Source: American Council of Life Insurers,

www.acli.com—SPJST—

Tips on buying life insurance

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

• After you’ve bought an insurancepolicy, you may have a “free-look” pe-riod—usually 10 days after you receivethe policy—when you can change yourmind. During that period, read yourpolicy carefully. If you decide not tokeep it, the company will cancel thepolicy and give you an appropriate re-fund. Information about the free lookperiod is in your contract.

• Keep your life insurance policywith your other financial records orlegal papers, or anywhere your sur-vivors are likely to look for it. How-ever, don’t keep your policy in yoursafe deposit box. In most states, boxesare sealed temporarily on the death ofthe owner, delaying a settlement whenfunds may be needed most.

• Contact your original company,agent, or financial adviser before can-celling your current policy to buy anew one. If your health has declined,you may no longer be insurable at af-fordable rates. If you replace one cashvalue policy with another, the cashvalue of the new policy may be rela-tively small for several years.

• If you have a complaint about yourinsurance agent or company, contactthe customer service division of yourinsurance company. If you’re still dis-satisfied, contact your state insurancedepartment. A state insurance depart-ment directory is available onwww.acli.com.

• Review your policy from time totime or when a major event occurs inyour life—such as a birth, job promo-tion, divorce, remarriage, or retire-ment—to be sure your coverage isadequate and your beneficiaries arecorrectly named.

• Visit www.acli.com for more con-sumer resources and information aboutlife insurance.

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

—SPJST—

Different types of life insurance

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

Are you and your family adequately covered?Unless you deal with life insurance regularly, it canbe an intimidating and sometimes difficult subjectto discuss. If you haven’t purchased insurance in a while, you

may be surprised at the many affordable life insuranceoptions available through your local SPJST sales agent.The following list provides a brief summary of the in-surance options that are available:10-Year Term. A modernterm product issued to ages18 through 75. Premiumsare guaranteed for 10 yearsand can be renewed annu-ally after that to age 95. Thedeath benefit is guaranteedlevel to age 95. Renewalsare guaranteed, even if yourhealth is not perfect! Con-vertible to permanent cov-erage prior to age 65 withno health requirements.15-Year Term. Just like the10-Year Term, except pre-miums are level for 15years. Issued to ages 18through 70. Convertible topermanent coverage prior toage 65 with no health requirements.20-Year Term. Level premiums for 20 years (guaran-teed level for 10). Issued to ages 18 through 65. Justthe thing for young families to provide benefits for thefamily while the children are growing up if the bread-winner dies. Convertible to permanent coverage priorto age 65 with no health requirements.30-Year Term. A very sensible term product! Premi-ums are level for 30 years (guaranteed level for 20). Is-sued to ages 18 through 55. It is excellent for mortgagecancellation as well as providing inexpensive coveragebefore retirement. Convertible to permanent coverageprior to age 65 with no health requirements.Whole Life. A whole life product designed for bothyoung and mature applicants that offers affordable pre-miums and builds cash value.Final Expense. A whole life plan designed to helpwith your final expense needs whether you are in per-fect health or even have health concerns (not guaran-teed issue). Coverage is available on a modified,graded or level death benefit basis. The level deathbenefit has inflation protection available, to cover finalexpenses as they increase each year. Available fromages 40 to 80 with premiums payable for life or as aone-time single premium.

Paid Up at 65 Whole Life. You are covered to age100, but you only pay premiums to age 65. Cash val-ues are available and continue to grow to age 100.Enjoy your retirement without life insurance premi-ums! 10 Pay Life. A whole life product designed for bothyoung and mature applicants with premiums payablefor 10 years. Issued to ages 0 through 70.

20 Pay Life. Awhole life productdesigned for bothyoung and matureapplicants with pre-miums payable for 20years. Issued to ages0 through 60.

Single Pay WholeLife. A whole lifeproduct availablewith just one pre-mium. The certifi-cate is then paid-up.Issued to ages 0through 80.

Whole Life Universal Life 3. Flexible premium ad-justable Universal Life insurance contract with guar-anteed coverage, subject to the payment of minimumno-lapse guarantee premiums on a cumulative basis.Available to ages 0 to 80 years.Universal Life 3. A flexible protection plan issued toages 0 through 80 which offers both a guaranteed andcurrent interest rate on the cash value accumulation.Annuities. Both qualified (IRA) and non-qualifiedare offered to SPJST members. Interest rates areposted every week in SPJST’s weekly newspaper,Vestnik. For current rates, contact the SPJST HomeOffice, refer to the Vestnik, or visit www.spjst.org.In many cases, the insurance application process can

be accomplished at your home in one meeting. At othertimes, it may take an additional visit since the sales agentmay need to spend some time assessing the informationyou provide in the initial meeting before he or she canrecommend the appropriate life insurance solution. Formore information on the life insurance options availableto you, please contact your local lodge sales agent. Ifyou’re not sure who that is, call the SPJST Insurance De-partment at 800-727-7578, and you will be put in touchwith a sales agent in your area. See pages 24 through31 for a listing of agents.

—SPJST—

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

Buying through work. Typically,your employer's "basic" life insurancebenefit provides coverage equal to oneor two times your annual income. Manyemployers offer the option of purchas-ing supplemental coverage, oftenthrough an automatic payroll deduction.This is convenient, and you may be ableto obtain the extra coverage at a higherrate without having to answer any ques-tions about your health, a big plus if in-surability is a concern.

SPJST is here to help you withwhat you need.

Buying on your own. You canchoose from among a wide variety ofSPJST products, and you never need toworry about losing coverage if youchange jobs. You also may be able toget coverage more affordably. Why?When you buy on your own, the pricedepends on your health and can be per-manent. In a work plan, the rate oftendepends on the health status of em-ployees in your age bracket and is usu-ally temporary or until retirement age.Call us for more information 800-72-SPJST.

—SPJST—

Should I buy life insurancethrough work or on my own?

is less expensivethan most people think.

LIFE INSURANCE

Beneficiaries do not have to pay fed-eral income taxes on the money theyreceive from a life insurance policy.Getting StartedAs you prepare to buy a life insur-

ance policy, evaluate your ongoing andfuture financial needs. To begin, askyourself some basic questions:Why do I need to buy life insurance?If someone depends on you finan-

cially, the likelihood is that you needlife insurance. Life insurance providescash to your family after you die. Themoney your beneficiary receives (thedeath benefit) can be an important fi-nancial resource. It can help cover dailyliving expenses, pay the mortgage andother outstanding loans, fund tuition,and ensure that your family is not bur-dened with debt. Having a life insur-ance policy could mean your spouse orchildren won’t have to sell assets to paybills or taxes (Note: Beneficiaries do not have to payfederal income taxes on the money theyreceive from a life insurance policy).

Stay-at-home parents also mightconsider life insurance to help coverthe costs of services they routinely pro-vide, such as caring for children andthe home. Retirees living on limited in-come also may find peace of mindknowing that a surviving spouse willnot be faced with a financial burdenafter their death.

How much life insurance do I need?Everyone’s needs are different. A

life insurance agent or financial advi-sor can help you determine what levelof protection is right for you and yourfamily based on your financial respon-sibilities, sources of income, and sav-ings. There are online calculators thatalso can help you; however, sittingdown with an insurance professional toreview your financial information cangive you a more personalized view ofyour needs.In general, deciding how much life

insurance you need means calculatingthe total income that would need to bereplaced upon your death to help payfor your family’s financial needs. Con-sider ongoing expenses (day care, tu-ition, rent, or mortgage), immediateexpenses (medical bills, burial costs,and estate taxes), and long term finan-cial goals (savings for college educa-tion and retirement). Your family alsomay need money to pay for a move orto cover daily expenses during a jobsearch.While there is no substitute for eval-

uating needs based on your own finan-cial information, some experts suggestthat if you own a life insurance policyit should pay a benefit equal to sevento 10 times your annual income. Yourneeds could be higher or lower de-pending on your unique situation.

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

—SPJST—

What you should know about buying life insurance

The agent should be able and will-ing to explain the different kinds ofpolicies and other insurance-relatedmatters.

Working With An AgentWhat should an agent do for me?The agent should be able and will-

ing to explain the different types ofpolicies and other insurance-relatedmatters. You should feel satisfied thatthe agent is listening to you and look-ing for ways to find the right type of in-surance at an affordable price. If you’renot comfortable with the agent, or youaren’t convinced he or she is providingthe service you want, interview anotheragent.What should I expect during my meeting with an agent?An agent will begin by discussing

your financial needs. You should havebasic personal financial informationavailable—along with a general idea ofyour goals—before you meet or talkwith an agent. He or she will ask ques-tions about your family income, otherfinancial resources you might have,and any debts. The agent will be betterable to assess your needs with the in-formation you provide.

What types of questions will I be asked?In addition to questions about fi-

nances, be prepared to answer ques-tions about your age, medicalcondition, family medical history, per-sonal habits, occupation, and recre-ational activities.Always answer questions truthfully;

a company will use this information toevaluate your risk and set a premiumfor your coverage. For instance, you’llpay a lower premium if you don’tsmoke; on the other hand, if you havea chronic illness, you can expect ahigher premium.When it’s time to submit a claim, the

accurate and truthful answers you pro-vided to the agent will enable your ben-eficiary to receive prompt and fullpayment.When you apply for life insurance,

you may be asked to take a medicalexam. In many instances, a licensedhealthcare professional hired and paidfor by the life insurance company willmake a personal visit to your home toconduct the exam.

—SPJST—

How to purchase insurance:Choosing an agent

“Life insurance is a combination of caring, commitment, and common sense.”—Author, Financial Speaker, and Life Insurance Sales Agent Howard Wight, CLU, ChFC

For 119 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.

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

Permanent Life InsuranceTerm Life Insurance

and Annuities at affordable,

competitive prices.

Examining a Policy

How do I know if a life insurancepolicy 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 im-portant that you understand exactly whatit provides. Ask for a point-by-point ex-planation for anything that is unclear andmake sure the agent explains items youdon’t understand.

How to purchase insurance:Choosing a policy

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 10-Year Term

Product Overview

Benefit DescriptionThe 10-Year Term has level premiums and death benefit for 10 years. Afterthe initial 10-year term period, the certificate will automatically renew on anannual basis for a one-year term expiring at age 95. It may also be con-verted 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 beconsidered 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 ratingsare 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 OptionPrior to age 65, the certificate may be converted without proof of insurabil-ity to any form of life insurance (other than term) then being offered bySPJST provided that the amount of insurance applied for does not exceed theamount in force prior to conversion.

RidersAccidental Death Benefit - Issue ages 18 to 59 years; pays an additionaldeath benefit up to the amount originally issued if death occurs prior to theinsured’s attained age 65 or one-half of this benefit if such death occurs onor after the insured’s attained age 65, but prior to the insured’s attained age70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due underthe certificate for period of disability if insured is totally disabled prior to age60.

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

SPJST 15-Year Term

Product Overview

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

*Preferred ratings are available only for medically underwritten certificateswith face amounts of $100,000 or greater ($150,000 or greater for ages 18 to35 years).

Premium Benefit Options10-Year Guarantee - The premium is guaranteed for the first 10 certificateyears. The premium may change after the 10th certificate year but can neverexceed the guaranteed maximum premium for the then attained age. After15 years, if the certificate is still in force, premiums will increase annually.

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

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

• • • TERM LIFE INSURANCE PRODUCT • • •

If your agent recommends a cashvalue policy, ask:

• Are the premiums within mybudget?

• Can I commit to these premiumsover the long term?

Cash value insurance provides pro-tection for your entire life. Cancelling a

SPJST 20-Year Term

Product Overview

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

SPJST 30-Year Term

Product Overview

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

cash value policy after only a few yearscan be a costly way to get short-term in-surance protection. If you don’t plan tokeep the policy for the long-term, con-sider another kind of coverage such as

term insurance.If you’re considering a term policy, ask:

• How long can I keep this policy? IfI want to renew it for a specific number

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

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

or 10 years?

• Can I convert to a cash value policy?Will I need a medical exam if and whenI convert?

• If it has a return of premium benefit,ask: What would the policy cost withoutthis benefit? Will all of the premiums berefunded?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 legaldocument. Legal obligations are spelledout in the policy contract. A policy illus-tration, however, can help you under-stand how a policy works.What is in a policy illustration?A policy illustration is meant to pro-

vide an example, based on certain as-sumptions, of how a policy’s costs andbenefits may develop over time—in-cluding, but not limited to, premiumamounts owed, cash values, and deathbenefits. For a term policy, the illustra-tion extends to the end of the term. Witha cash value policy, the illustration ex-tends past your 100th birthday. Your ac-tual costs and benefits could be higher orlower than those in the illustration be-

cause they depend on the future financialresults of the insurance company.However, when figures are guaran-

teed, the insurance company will honorthem regardless of its financial success.Ask your agent which figures are guar-anteed and which are not. A policy illus-tration can be complicated. Your agent orfinancial advisor can explain informationyou 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) cor-rect?• When are premiums due—monthly,

annually, or according to some otherschedule?• Which amounts are guaranteed and

which are not?

• Does the policy have a guaranteeddeath benefit or could the death benefitchange depending on interest rates orother factors?• Does the policy offer dividends or

interest credits that could increase mycash value and death benefit or reducemy premium?•Will my premiums always be the

same? Could premiums increase if futureinterest rates or investment returns arelower than the illustration assumes?• If the illustration shows that I won’t

have to make premium pay-ments after a certain period of time, isthere any chance I would have to startmaking payments again at any time inthe future?After PurchaseAfter purchasing your life insurance

policy, keep it with other financial

records or legal papers, or anywhere yoursurvivors are likely to look for it if theyneed to file a claim. As a precaution, youshouldn’t store a life insurance policy ina safe deposit box. In most states, boxesare sealed temporarily upon one’s death,this could delay the claims process.Keep your agent’s name and contact

information easily accessible. The agentcan help your beneficiaries fill out thenecessary forms and act as an intermedi-ary with the insurance company.Review your life insurance policy

from time to time to be certain it contin-ues to meet your needs as your circum-stances change, such as the birth of achild, a job promotion, divorce, remar-riage or retirement. Also, review it to en-sure your beneficiaries are correctlynamed.

—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 agesabove 70 or under 18. Preferred ratings are available only for medically un-derwritten certificates with face amounts of $100,000 or greater ($150,000 orgreater 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 deathbenefit up to the amount originally issued if death occurs prior to the insured’sattained age 65 or one-half of this benefit if such death occurs on or after theinsured’s attained age 65, but prior to the insured’s attained age 70. Maxi-mum 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 thecertificate 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 55years; terminates age 21.

• • • WHOLE LIFE INSURANCE PRODUCT • • •

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 mini-

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

• Standard Non-Nicotine

• Standard Nicotine

RidersAccidental Death Benefit - Issue ages 0 to 55 years; pays an additional deathbenefit up to the amount originally issued if death occurs prior to the in-sured’s attained age 65 or one-half of this benefit if such death occurs on orafter 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.

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

SPJST Single Pay Whole Life

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 lifeinsurance.•Guaranteed cash and loan values are immediately available.•No surrender charge, should you decide to cash in the certificate at anytime.• Fully underwritten product, consistent with company underwriting guidelines.• The SPJST Single Pay Whole Life plan retains those tax-favored featuresthat 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 tax-free.• Among others, the SPJST Single Pay Whole Life plan will be of special in-terest to new members who want to pay only one insurance premium; par-ents and grandparents; members who want to buy additional permanentinsurance at low premium rates; anyone wishing to make a gift of life in-surance to a college, church, charitable organization, or to an individual.

Underwriting ClassificationsFully underwritten product, consistent with company underwriting guide-lines.

Riders: Accidental Death Benefit

SPJST Final ExpenseLevel Benefit and Increasing Benefit

Product Overview

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

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

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

RidersAccidental 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 ofapplication.

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.

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

Paid Up at Age 65 Whole Life Insurance Example

What SPJST Whole Life Insurance Can Do for You and Your Family at Retirement

Male, 34Standard Non-Nicotine $100,000 coverage$103.79 per month

Female, 34Standard Non-Nicotine$100,000 coverage$90.96 per month

SPJST 10 Pay Whole Life

Product Overview

Benefit Description• Level death benefit.• Level premium permanent life insurance to age 100. • Premiums payable for 10 years.

Minimum Amount$10,000 with exceptions shown below and $10 monthly premium mini-mum.

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

SPJST 20 Pay Whole Life

Product Overview

Benefit Description• Level death benefit.• Level premium permanent life insurance to age 100. • Premiums payable for 20 years.

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

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

How to purchaseinsurance: 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 graceperiod in which to make your paymentwithout consequences. If you diewithin the grace period, your benefici-ary will receive the death benefit minusthe overdue premium. However, thepolicy will lapse (terminate) if youdon’t make your payment by the end ofthe grace period. If you own a cashvalue policy, your company—withyour authorization—can draw fromyour policy’s cash value to pay the pre-mium. This method of keeping yourpolicy active can work only as long asyour cash value lasts.

Do I have any recourse if my policy lapses?Some life insurance contracts let

you reinstate a lapsed policy within acertain time frame. However, you mustprove insurability, pay all overdue pre-miums (plus interest), and pay off anyoutstanding 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 op-

tions or riders. Some riders let you buymore insurance without taking a med-ical exam; others waive premiums ifyou become disabled. Some policiesoffer an accidental death benefit thatpays an additional amount if death oc-curs as a result of an accident. When will my policy take effect?If you decide to buy a policy, find

out when the insurance becomes effec-

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

How is life insurance taxed?Your beneficiaries will not pay in-

come taxes on death benefits. If youown a cash value policy, you won’t pay

income taxes on the cash value unlessyou cancel the policy and withdraw themoney. Then you’ll pay taxes on theamount that exceeds what you’ve paidin premiums.

—SPJST—

SPJST Whole Life/Universal Life 3

Product Overview

Benefit DescriptionFlexible premium adjustable universal life insurance contract with guaran-teed coverage for the no-lapse guarantee period, subject to the payment ofminimum no-lapse guarantee premiums on a cumulative basis. Containstwo 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 BenefitMinimum Premium: $15 per monthNo-Lapse Guarantee Period: Lifetime (to Maturity Age)Issue Ages: 0 to 80 years

18 to 70 years for Preferred classMaturity Age: Age 121 (matures for cash value)Per $1,000 Expense ChargeVaries by age, sex, class, and bandApplied 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 basis3% of premium all years on a guaranteed basis

Modal Premiums Monthly Bank Draft, Quarterly, Semi-Annual, AnnualPremiumsThe no-lapse guarantee premiums assure that the certificate will remain inforce for the lifetime of the insured. As long as the accumulation of the pre-miums paid at any point in time (minus certificate loans and withdrawals)equals or exceeds the minimum premiums due at that point in time, the cer-tificate is prevented from lapsing. An additional premium is required for anoptional rider.

Surrender ChargesA surrender charge applies during the first 18 certificate years and is zerothereafter. Surrender charges are an amount per $1,000 of specified amountwhich varies by issue age, gender, underwriting classification, and certifi-cate year.

Guaranteed Interest Rate: 2.50%RidersAccidental Death Benefit - Issue ages 0 to 59 years; full benefit payable inevent of accident prior to age 70. This benefit terminates at the certificate’sanniversary date following the insured’s 70th birthday.Waiver of Premium - Issue ages 18 to 55 years; the Society credits a paymentamount to the certificate each month for period of disability if insured is to-tally disabled prior to age 60. The payment amount is equal to the TotalGuaranteed No-Lapse Monthly Premium.

SPJST Universal Life 3

Product Overview

Benefit DescriptionFlexible premium adjustable universal life insurance contract with guaran-teed coverage for five years, subject to the payment of minimum no-lapsepremiums 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 NicotineDeath Benefit OptionsOption A— Level Death BenefitOption B— Increasing Death Benefit. Death benefit includes cash value

Minimum Premium: $15 per monthIssue Ages: 0 to 80 years

18 to 70 years for Preferred classMaturity Age: 95 (matures for cash value)Modal Premiums: Monthly Bank Draft, Quarterly, Semi-Annual, AnnualTarget PremiumsThe target premium is the recommended level annual premium. It may besufficient to keep the certificate in force to age 95. It is not guaranteed.

Minimum PremiumsDuring the no-lapse period, the certificate is guaranteed not to lapse if atleast the minimum no-lapse premium is paid and remains in the certificate.If only the minimum premium is paid, the certificate is only guaranteed tostay in force for 5 years.

No-Lapse Period: 5 yearsSurrender ChargesFor issue ages 0 to 76, a surrender charge applies during the first 18 certifi-cate years and is zero thereafter. For issue ages 77 and above, a surrendercharge applies during the first 14 certificate years. Surrender charges are anamount per $1,000 of specified amount which varies by issue age, gender,underwriting classification, and certificate year.

Guaranteed Interest Rate: 2.50%RidersAccidental Death Benefit - Issue ages 0 to 59 years; full benefit payable inevent of accident prior to age 70. This benefit terminates at the certificate’sanniversary date following the insured’s 70th birthday.Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly costof insurance and riders plus administrative costs for period of disability if in-sured 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 in-sured 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.

• • • UNIVERSAL LIFE PRODUCT • • • • • • UNIVERSAL LIFE PRODUCT • • •

Interest Rate Through 04/30/2016Whole Life/Universal Life 3

(plans 1223-1232 with a guaranteed rate of 2.50%)

Credited Rate: 3.50%

Interest Rate Through 04/30/2016Universal Life 3(plans 1203-1222

with a guaranteed rate of 2.50%) Credited Rate: 3.00%

Annuities can serve many usefulpurposes.If you are in a saving-money stage

of life, a deferred annuity can:• Help you meet your retirement in-come goals. Employer-sponsored planssuch as a 401(k), 403(b) or Keogh arean important part of planning for re-tirement. However, contributions tothese plans and to IRAs are limited,and they might not add up to enoughfor the retirement income you need, es-

pecially if you started saving for retire-ment late or had contributions inter-rupted—perhaps due to job changesand/or family responsibilities. More-over, your social security and defined-benefit pension (if you have one) mayprovide less than you need to retire.Remember that the purchasing powerof defined-benefit pension income iseroded by inflation.• Help you diversify your investmentportfolio. Investment experts routinely

advise that, to get the best return for agiven level of risk, you should diver-sify your investments among a numberof asset classes. Fixed annuities, in par-ticular, offer a unique asset class—aninvestment that is guaranteed not to de-crease and that will actually increase ata specified interest rate (and, often, po-tentially more). The guarantees aresupported by the claims-paying abilityof the insurer.

• Help you manage your investmentportfolio. Investment experts routinelyadvise that, whenever your investmentsin various asset classes get too far fromthe percentage allocations you prefer,

you “rebalance” to the original formu-lation, by shifting funds from theclasses that have grown faster to theones that have grown more slowly. Ifyou do this with mutual funds, you paycapital gains taxes; if you do it in avariable annuity, you don’t pay capitalgains taxes. When you eventually with-draw money from the annuity (whichcould be many years after the rebal-ancing), you pay tax then at the ordi-nary income rate.If you are in a need-income stage oflife, an immediate annuity can:

• Help protect you against outlivingyour assets. Social security pays retire-

In its most general sense, an annuityis an agreement for one person or or-ganization to pay another a stream orseries of payments. Usually the term“annuity” relates to a contract betweenyou and a life insurance company, buta charity or a trust can take the place ofthe insurance company. There are many categories of annu-

ities. They can be classified by:

• Nature of the underlying investment– fixed or variable

• Primary purpose – accumulation orpay-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 severalof these categories at once. For exam-ple, you might buy a nonqualified sin-gle premium deferred variable annuity.

In general, annuities have the fol-lowing attractive features:

Tax deferral on investment earningsMany investments are taxed year by

year, but the investment earnings—capital gains and investment income—in annuities aren’t taxable until youwithdraw money. This tax deferral isalso true of 401(k)s and IRAs; how-ever, unlike these products, there are nolimits on the amount you can put intoan annuity. Moreover, the minimumwithdrawal requirements for annuitiesare much more liberal than they are for401(k)s and IRAs.

Protection from creditorsIf you own an immediate annuity

(that is, you are receiving money froman insurance company), generally themost that creditors can access is thepayments as they’re made, since themoney you gave the insurance com-pany now belongs to the company.Some state statutes and court decisionsalso protect some or all of the paymentsfrom those annuities. And your moneyin tax-favored retirement plans, such asIRAs and 401(k)s, are generally pro-tected, whether invested in an annuityor not.

An array of investment options, including “floors”Many annuity companies offer a va-

riety of investment options. You can in-vest in a fixed annuity which wouldcredit a specified interest rate, similarto a bank Certificate of Deposit (CD).

If you buy a variable annuity, yourmoney can be invested in stock or bond(or other) mutual funds. In recent years,annuity companies have created vari-ous types of “floors” that limit the ex-tent of investment decline from anincreasing reference point. For exam-ple, the annuity may offer a feature thatguarantees your investment will neverfall below its value on its most recentpolicy anniversary.

Tax-free transfers among investment optionsIn contrast to mutual funds and other

investments made with “after-taxmoney,” with annuities there are no taxconsequences if you change how yourfunds are invested. This can be partic-ularly valuable if you are using a strat-egy called “rebalancing,” which isrecommended by many financial advi-sors. Under rebalancing, you shift your

investments periodically to return themto the proportions that you determinerepresent the risk/return combinationmost appropriate for your situation.

Lifetime incomeA lifetime immediate annuity con-

verts an investment into a stream ofpayments that last as long as you do. Inconcept, the payments come from three“pockets”: Your investment, invest-ment earnings and money from a poolof people in your group who do not liveas long as actuarial tables forecast. It’sthe pooling that’s unique to annuities,and it’s what enables annuity compa-nies to be able to guarantee you a life-time income.

Benefits to your heirsThere is a common misconception

about annuities that goes like this: ifyou start an immediate lifetime annu-ity and die soon after that, the insurancecompany keeps all of your investmentin the annuity. That can happen, but itdoesn’t have to. To prevent it, buy a“guaranteed period” with the immedi-ate annuity. A guaranteed period com-mits the insurance company tocontinue payments after you die to oneor more beneficiaries you designate;the payments continue to the end of thestated guaranteed period—usually 10or 20 years (measured from when youstarted receiving the annuity pay-ments). Moreover, annuity benefits thatpass to beneficiaries don’t go throughprobate and aren’t governed by yourwill.

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

individuals/annuities/)

—SPJST—

What is an annuity?

Why should I considerpurchasing an annuity?

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

In a fixed annuity, the insurancecompany guarantees the principal and aminimum rate of interest. In otherwords, as long as the insurance com-pany is financially sound, the moneyyou have in a fixed annuity will growand will not drop in value. The growthof the annuity’s value and/or the bene-fits paid may be fixed at a dollaramount or by an interest rate, or theymay grow by a specified formula. Thegrowth of the annuity’s value and/orthe benefits paid does not depend di-rectly or entirely on the performance ofthe investments the insurance companymakes to support the annuity. Somefixed annuities credit a higher interestrate than the minimum, via a policydividend that may be declared by thecompany’s board of directors, if thecompany’s actual investment, expenseand mortality experience is more fa-vorable than was expected. Fixed an-nuities are regulated by state insurancedepartments.

Money in a variable annuity is in-vested in a fund—like a mutual fundbut one open only to investors in the in-surance company’s variable life insur-ance and variable annuities. The fundhas a particular investment objective,and the value of your money in a vari-able annuity—and the amount ofmoney to be paid out to you—is deter-mined by the investment performance(net of expenses) of that fund. Mostvariable annuities are structured tooffer investors many different fund al-ternatives. Variable annuities are regu-lated by state insurance departmentsand the federal Securities and Ex-change Commission.Types of Fixed Annuities

An equity-indexed annuity is a typeof fixed annuity, but looks like a hy-brid. It credits a minimum rate of inter-est, just as a fixed annuity does, but itsvalue is also based on the performanceof a specified stock index—usuallycomputed as a fraction of that index’stotal return.

A market-value-adjusted annuity isone that combines two desirable fea-tures—the ability to select and fix thetime period and interest rate over whichyour annuity will grow, and the flexi-bility to withdraw money from the an-nuity before the end of the time periodselected. This withdrawal flexibility is

ment income for as long as you live, asdo defined-benefit pension plans. Butthe only other source of income avail-able that continues indefinitely is animmediate annuity.• Help protect your assets from cred-itors. Generally the most that creditorscan access is the payments from an im-mediate annuity as they’re made, since

the money you gave the insurancecompany now belongs to the company.Some state statutes and court decisionsalso protect some or all of the paymentsfrom those annuities.

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

—SPJST—

Both annuities and life insuranceshould be considered in your long-termfinancial plan. While both includedeath benefits, you buy life insurance

in the event you die too soon and an an-nuity in case you live too long.

In other words, life insurance pro-vides economic protection to your

loved ones if you die before your fi-nancial obligations to them are met,while annuities guard against outlivingyour assets.

—SPJST—

How are annuities different from life insurance?

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

Main Reason For Buying It:

Pays Out When:

Typical Form Of Payment:

Buyer’s AgeWhen It Is Typically Bought:

Does It Accumu-late Money Tax-Deferred?

Does It Pay A Death Benefit?

Are BenefitsTaxable IncomeWhen Received?

Provide income fordependents

You die

Single sum

Provide income fordependents

or meet estateplanning needs

You die, borrow the cash value or

surrender the policy

Single sum

No, unless a cashvalue withdrawal exceeds the sum of premiums

To accumulatemoney in a tax-deferred product

You make withdrawals

Single sum or income

Yes, but only the part derived from investment

income

To assure you don’t“outlive your income”

One period after youbuy the annuity, stopspaying when you die*

Lifetime income

Yes, but only in theearly payout years

*payments continue if the annuity has a

guaranteed-period option that hasn’t expired

at the annuitant’s death

Yes, but only the part derived from investment income

Term Life Whole Life

Life Insurance AnnuitiesDeferredAnnuities Immediate Annuities

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

achieved by adjusting the annuity’svalue, up or down, to reflect the changein the interest rate “market” (that is, thegeneral level of interest rates) from thestart of the selected time period to thetime of withdrawal. Other Types of AnnuitiesAll of the following types of annu-

ities are available in fixed or variableforms.Deferred vs. immediate annuitiesA deferred annuity receives premi-

ums and investment changes for pay-out at a later time. The payout might bea very long time; deferred annuities forretirement can remain in the deferredstage for decades.An immediate annuity is designed to

pay an income one time-period afterthe immediate annuity is bought. Thetime period depends on how often theincome is to be paid. For example, ifthe income is monthly, the first pay-ment comes one month after the im-mediate annuity is bought.Fixed period vs. lifetime annuitiesA fixed period annuity pays an in-

come for a specified period of time,such as 10 years. The amount that ispaid doesn’t depend on the age (or con-tinued life) of the person who buys theannuity; the payments depend insteadon the amount paid into the annuity, thelength of the payout period, and (if it’sa fixed annuity) an interest rate that theinsurance company believes it can sup-port for the length of the pay-out pe-riod.A lifetime annuity provides income

for the remaining life of a person(called the “annuitant”). A variation oflifetime annuities continues incomeuntil the second one of two annuitantsdies. No other type of financial productcan promise to do this. The amount thatis paid depends on the age of the annu-itant (or ages, if it’s a two-life annuity),the amount paid into the annuity, and(if it’s a fixed annuity) an interest ratethat the insurance company believes itcan support for the length of the ex-pected pay-out period.With a “pure” lifetime annuity, the

payments stop when the annuitant dies,even if that’s a very short time afterthey began. Many annuity buyers areuncomfortable at this possibility, sothey add a guaranteed period—essen-tially a fixed period annuity—to theirlifetime annuity. With this combina-tion, if you die before the fixed periodends, the income continues to yourbeneficiaries until the end of that pe-riod.

Qualified vs. nonqualified annuitiesA qualified annuity is one used to in-

vest and disburse money in a tax-fa-vored retirement plan, such as an IRAor Keogh plan or plans governed by In-ternal Revenue Code sections, 401(k),403(b), or 457. Under the terms of theplan, money paid into the annuity(called “premiums” or “contributions”)is not included in taxable income forthe year in which it is paid in. All othertax provisions that apply to nonquali-fied annuities also apply to qualifiedannuities.A nonqualified annuity is one pur-

chased separately from, or “outside of,”a tax-favored retirement plan. Invest-ment earnings of all annuities, qualifiedand non-qualified, are tax-deferreduntil they are withdrawn; at that pointthey are treated as taxable income (re-gardless of whether they came fromselling capital at a gain or from divi-dends).Single premium vs. flexible premium annuitiesA single premium annuity is an an-

nuity funded by a single payment. Thepayment might be invested for growthfor a long period of time—a single pre-mium deferred annuity—or investedfor a short time, after which payout be-gins—a single premium immediate an-nuity. Single premium annuities areoften funded by rollovers or from thesale of an appreciated asset.A flexible premium annuity is an an-

nuity that is intended to be funded by aseries of payments. Flexible premiumannuities are only deferred annuities;that is, they are designed to have a sig-nificant period of payments into the an-nuity plus investment growth beforeany money is withdrawn from them.

(Source: Insurance Information Institute,http://www.iii.org/articles/what-are-the-differ-

ent-types-of-annuities.html)

—SPJST—

What is the difference between a fixed and variable annuity?

Deferred AnnuityThis type of annuity is good for

long-term retirement planning for thefollowing reasons:

• Payments on income taxes are de-ferred until you withdraw the money.

• Unlike a 401(k) or an IRA, thereare no limits on your annual annuitycontributions.

• There is a death benefit. If you diebefore collecting on the annuity, yourheirs get the amount you contributed,plus investment earnings, minus what-ever cash withdrawals you made.

Immediate AnnuityThis allows you to convert a lump

sum of money into an annuity so thatyou can immediately receive income.Payments generally start about a monthafter you purchase the annuity. Thistype of annuity offers financial securityin the form of income payments for therest of your life. In other words, youcannot outlive it.

Immediate annuities allow you to: • Supplement your current income.

If you are nearing retirement, you mayconsider transferring another savings orinvestment account into an immediateannuity. You can also move the pro-ceeds from a deferred annuity into animmediate annuity.• Pay taxes only on the portion of

your immediate annuity payments thatis considered earnings. You are nottaxed on the portion that is principal.The principal is the initial deposit madewith funds that have already been taxed.Like deferred annuities, immediate

annuities can be fixed or variable.Fixed immediate annuity income pay-ments are pegged to the amount youcontribute, your age and the interestrate at the time of purchase. Those pay-ments to you will not go up or down.Variable immediate annuity paymentsvary with the investments you chose.

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

and-immediate-annuities.html)

—SPJST—

What are deferred and immediate annuities?

Fixed annuities pay a “fixed” rate ofreturn. When you receive payments,the monthly payout is a set amount andis guaranteed. Fixed annuities may be agood choice for:

• Conservative investors who valuesafety and stability.

• Those nearing retirement age whowant to shelter their assets from thevolatility of the stock or bond market.With variable annuities, you can investin a variety of securities includingstock and bond funds. Stock marketperformance determines the annuity'svalue and the return you will get fromthe money you invest. The amount ofrisk 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 thestock market and want your invest-ments to keep pace with inflation overa long period of time.• Young and want to prepare finan-cially for retirement by reaping thegains in the stock or bond market overthe long term.

(Source: Insurance Information Institute,http://www.iii.org/articles/what-is-the-differ-

ence-between-a-fixed-and-variable-annuity.html)

—SPJST—

Unlike a 401(k) or an IRA, there areno limits on the amount that you caninvest in an annuity.Whether you’re considering a deferredor immediate annuity, the amount ofmoney you should consider puttinginto an annuity depends on:• Your immediate actual and poten-

tial financial needs• Your long-term financial goals• Your current savings/investment

portfolio• The range of alternatives available

to youOf these, the most important is your

immediate actual and potential finan-

cial needs. If you’re buying a deferredannuity and you have a sudden need forcash, you can usually withdraw a smallamount without penalty. However,you’ll likely pay a penalty if you makea large withdrawal within a few yearsafter you’ve bought the annuity. Ifyou’re buying an immediate annuity,you usually can’t get any more than theregular payments, no matter how badlyyou need cash. However, if you haveother sources of cash that are sufficientfor any emergency or unforeseenneeds, then the immediate needs crite-rion is satisfied and the other criteriabecome more important.

(Source: Insurance Information Institute,http://www.iii.org/articles/how-much-should-i-

invest-in-an-annuity.html)—SPJST—

How much should I invest in an annuity?

What is a “free-look” provision?

If you take money out of an annuity,there may be a penalty called a surren-der fee or a withdrawal charge. Thisfee is higher if you withdraw fundswithin the first years of an annuity con-tract. The penalty, however, dropsgradually each year. Since immediateannuities are purchased to provide in-come, they usually can’t be “surren-dered” and will therefore not besubjected to a fee. A typical surrender fee schedule

could be:

• 7 percent if you withdraw fundsin 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 allowthe insurer enough time to recover itsexpenses, largely commissions, in set-ting up the annuity contract. It alsoserves to discourage annuity buyersfrom using deferred annuities as short-term 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 sur-render charge. If this option is impor-tant to you, ask your insurance agent orcompany representative about this be-fore deciding to invest your money in aspecific annuity. Also, ask if there maybe any other fees or charges.

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

fees.html)

—SPJST—

What are surrender fees?

What is an SPJST Annuity?An annuity is a contract between the

member and SPJST. The object of anannuity is cash accumulation. Annu-ities are not life insurance. An annuityhas a beneficiary provision, but theonly benefit paid at death is the total ofthe funds accumulated at that point, un-less other provisions have been made.The member contributes funds to theSPJST annuity in lump sums or premi-ums over time. These funds accumu-late tax-deferred compound interestuntil a specified maturity date. At ma-turity, the member can receive thefunds either in a lump sum, paymentsover a certain time period, or evenequal payments guaranteed for the restof the member’s life.Two Types of Annuities are available: Deferred or Immediate.Deferred annuities enable the mem-

ber to contribute funds through tax-de-ferred accumulation over a period oftime. This is called the accumulationperiod. The accumulation period con-tinues until the maturity date, at whichtime the payout period begins. The ma-turity date is usually set at age 65 orlater, but can be changed at any time.After the maturity date, the payout

period is when SPJST distributes theaccumulated funds to the member ac-cording to the member’s wishes,whether it is a lump sum, distributionsfor a set period of time, or lifetime op-tions that the member cannot outlive.SPJST has three deferred annuities: Flexible Premium Annuity

5-Year Annuity10-Year Annuity

The Flexible Premium Annuity ac-cumulates interest that is reviewedquarterly, but can never go below aguaranteed minimum rate. The 5-YearAnnuity and 10-Year Annuity haveguaranteed locked-in rates for a fullfive years or 10 years.Immediate annuities work just like

deferred annuities except there is no ac-cumulation period. The member con-tributes a lump sum of funds ($10,000minimum), and the payout period be-gins immediately.SPJST Annuities offer benefits not

found in other tax-qualified plans

{such as 401(k) plans}. First, there isno IRS contribution limitation. SPJSTmembers can contribute any amount(within reason) to an annuity. Second,SPJST annuities do not require vesting.SPJST guarantees that the total amountof funds (principal plus interest) will bepaid directly to the beneficiary uponthe death of the member in the accu-mulation period.SPJST Flexible Annuities are used

to fund Individual Retirement Arrange-ments (IRA), both Traditional andRoth. More IRA information follows inthis section.

• • • • • • • • • • • •

All Flexible AnnuitiesStraight Annuity Traditional IRA

Roth IRAEligibility RequirementsSPJST members (life insurance cer-

tificate holders) are eligible and maypurchase an annuity with a $100 mini-mum contribution.ExceptionsAny individual under 70 years of

age must apply for an SPJST life in-surance certificate, but if uninsurableor rated above standard, the individualmay become a member with the pur-chase of an annuity in an amount of$1,000 minimum.Any individual under 70 years of

age regardless of insurability may be-come a member with the purchase ofan annuity in an amount of $5,000 min-imum.Any individual over 70 years of age

regardless of insurability may becomea member with the purchase of an an-nuity in an amount of $1,000 mini-mum.Issue AgesFlexible Premium Annuity

0 to 85 years Single Premium Immediate

0 to 90 yearsIssue age may be extended with

prior approval and arrangement withSupreme Lodge Vice President. Ifissue age is more than 70, agent com-missions will be affected.

SPJST AnnuitiesStraight Annuity • 5-Year Annuity • 10-Year AnnuitySingle Premium Annuity • Traditional IRA • Roth IRA

Most state insurance departmentsrequire insurance companies to providea “free-look” period after you havepurchased the policy. It is typically a10-day span in which you can pull outof the contract and obtain a refundbased on contract terms or state law.You should use this time to review thepolicy, ask your insurance agent or

stockbroker any additional questionsand make a final decision as to whetherthe annuity you selected was right foryou.

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

provision.html)

—SPJST—

Current Minimum Guaranteed Interest Rate:

1.50% as of March 23, 2016Current Interest Rate:

3.00% as of March 23, 2016Withdrawals or ChargesPartial or full withdrawals can be

made at any time. Please refer to theback of the application for withdrawalcharges or penalties. SPJST maydeduct a withdrawal charge from anyamount withdrawn in the first sevencertificate years (or the maturity date).The charge will be as SPJST deter-mines from time to time, and will notbe greater than the percentage of theamount withdrawn shown in the tablebelow. SPJST withdrawal charges donot affect IRS withdrawal charges orpenalties.

Certificate Year/Charge1st 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 ChargeFree WithdrawalThe member may, in any one cer-

tificate year, make as many as threewithdrawals, the aggregate total ofwhich may not exceed 10 percent ofthe cash value at the beginning of thatcertificate year without incurring awithdrawal charge.The member may withdraw up to 50

percent of the total accumulatedamount in the annuity within 90 daysof either of the following events withno SPJST penalty: Total Disabilityand/or Nursing Home Residency.These apply only to SPJST charges.

IRS Withdrawal Penalties and Chargesmay apply.

• • • • • • • • • • • •

SPJST 5-Year AnnuityEligibility RequirementsSame as Flexible Annuities

Issue Ages0 to 90 years. Issue age may be ex-

tended with prior approval andarrangement with Supreme Lodge VicePresident. If issue age is more than 70years, agent commissions will be af-fected.

1.50% as of March 23, 2016Current Interest RateSimilar to Certificates of Deposit,

the 5-Year Annuity rates change peri-odically, but once a member opens a 5-Year Annuity, the then-current rate willbe locked in for five years.Withdrawals and ChargesPartial or full withdrawals can be

made at any time. Please refer to theback of the application for withdrawalcharges or penalties. SPJST maydeduct a withdrawal charge from anyamount withdrawn in the first five cer-tificate years. The charge will be asSPJST determines from time to time,and will not be greater than the per-centage of the amount withdrawnshown in the table below. SPJST with-drawal charges do not affect IRS with-drawal charges or penalties.

Certificate Year/Charge1st year—8%2nd year—7%3rd year—6%4th year—5%5th year—4%

End of 5th Year—No ChargeAt the end of the fifth year, the

member may choose to withdrawfunds, or simply let the annuity renewfor another 5-Year Annuity with thethen-current rates and SPJST with-drawal charges.Free WithdrawalsThe member may, in any one cer-

tificate year, make as many as threewithdrawals, the aggregate total ofwhich may not exceed 10 percent ofthe cash value at the beginning of thatcertificate year without incurring awithdrawal charge.These apply only to SPJST charges.

IRS Withdrawal Penalties and Chargesmay apply.

• • • • • • • • • • • •

SPJST 10-Year AnnuityEligibility RequirementsSame as Flexible Annuities.

Issue Ages0 to 85 years. Issue age may be ex-

tended with prior approval andarrangement with Supreme Lodge VicePresident. If issue age is more than 70years, agent commissions will be af-fected.

1.00% as of March 23, 2016Current Interest RateSimilar to Certificates of Deposit,

the 10-Year Annuity rates change peri-odically, but once a member opens a10-Year Annuity, the then-current ratewill be locked in for 10 years.Withdrawals and ChargesPartial or full withdrawals can be

made at any time. Please refer to theback of the application for withdrawalcharges or penalties. SPJST maydeduct a withdrawal charge from anyamount withdrawn in the first 10 cer-tificate years. The charge will be asSPJST determines from time to time,and will not be greater than the per-centage of the amount withdrawnshown in the table below. SPJST with-drawal charges do not affect IRS with-drawal charges or penalties.

Certificate Year/Charge1st 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 ChargeAt the end of the 10th year, the

Member may choose to withdrawfunds, or simply let the annuity renewfor another 10-Year Annuity with thethen-current rates and SPJST with-drawal charges.Free WithdrawalsThe member may, in any one cer-

tificate year, make as many as threewithdrawals, the aggregate total ofwhich may not exceed 10 percent ofthe cash value at the beginning of thatcertificate year without incurring awithdrawal charge.

These apply only to SPJST charges.IRS Withdrawal Penalties and Chargesmay apply.

• • • • • • • • • • • •

Annuity Payout Optionsand Taxation

IRS Penalties and Taxation If funds are withdrawn during the

accumulation period, they may be sub-ject to the SPJST Withdrawal Chargesmentioned previously as well as IRStaxes and penalties. Any funds with-drawn from an annuity during the ac-cumulation period will be consideredinterest (pre-tax funds) first and there-fore taxable income in the year with-drawn. If the annuitant is under age 591⁄2 during that tax year, IRS also leviesa 10 percent penalty on the pre-taxamount. Only after all the pre-tax fundsare withdrawn would the annuitant getto the principal (after-tax funds) whichare never taxed or penalized from IRS.Please remember that IRS penalties areseparate and independent of SPJSTWithdrawal Charges.IRS penalties and taxation concern-

ing Traditional IRA and Roth IRAplans are covered later in this section.

Non-Lifetime OptionsDistributions under these options are

made irrespective of anyone living ordying.

• Lump Sum DistributionOne single distribution paid to theannuitant. The terms of the contractare completed, and the annuity isterminated at that time.

• Period CertainDistributions are spread out in equalamounts over a given time period (5,10, 20 years, etc.) during which timeall principal and interest isexhausted.

• Amount CertainDistributions are made according toa specific payment amount ($1,000,$2,000, etc.) during which time allprincipal and interest is exhausted.

Lifetime OptionsThese options all pay the annuitant

an income for life in any case. The op-tions differ in what happens after theannuitant’s death. Different options re-sult in different income amounts. Oncean option is chosen and distributionsbegin, it cannot be changed.

Interest Rates Through 04/30/2016Annuity 5

(plans 8032-8039 with a1.50% guaranteed rate)Credited Rate: 3.00%Annuity New 5-Year

(plans 8040-8041 with a1.50% guaranteed rate)Credited Rate: 3.00%

• Straight Line Income OptionAlso called Straight Life Annuity orLife Annuity, this option providesregular and equal distributions forthe lifetime of the annuitant, no mat-ter how long (or short) the annuitantlives. When the annuitant dies, dis-tributions stop. There are no moredistributions even if the annuitantdied with principal funds left in theannuity. This option pays the high-est net distribution amount of alllifetime options.

• Refund OptionThis option pays lifetime distribu-tions to the annuitant, but if the an-nuitant dies before receiving theprincipal paid in, the remainder ofthe principal is paid to a beneficiary;either in a lump sum or in equal in-stallments until the total of distribu-tions equals the original principalamount when distributions began.This option typically pays the lowestnet distribution amount of all life-time options.

• Life with Certain Period This option pays lifetime distribu-tions to the annuitant, but if the an-nuitant dies within a specifiedperiod stated in the agreement (5years, 10 years, 20, years, etc.), the

annuitant’s beneficiary would con-tinue to receive the same distribu-tion for the remainder of that period.Example: If the annuitant choseLife with 20 Years Certain and diedfour years later, the annuitant’s ben-eficiary would continue to receivethe distributions for the remaining16 years. If the annuitant lives pastthe certain period, distributionswould cease when the annuitantdies. This is the most popular life-time option.

• Joint and Survivor OptionThis option pays distributions to twopeople (usually couples) for as longas both shall live. When the first per-son dies, the survivor continues toreceive distributions for the rest ofthe survivor’s life. When the sur-vivor dies, distributions cease. De-pending on the option taken, thesurvivor may continue to receive thefull distribution, two-thirds or one-half of the distribution.

Lifetime Option TaxationTaxation on a Lifetime Option is

based on the exclusion ratio. It is basedon funds expected to be received by thetime the annuitant reaches life ex-pectancy according to IRS tables.Funds paid in excess of this ratio areconsidered taxable income. If the an-nuitant lives to the pre-determined lifeexpectancy age, then all future distri-butions will be considered 100 percenttaxable income in the year received.

—SPJST—

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

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

Permanent Life InsuranceTerm Life Insurance

and Annuities at affordable,

competitive prices.

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.

To build character among the young and to pur-sue educational, patriotic, social, and athletic recre-ation. Those are the goals of SPJST’s statewideyouth 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’sabout having fun, but it’s also about contributing to thewelfare of the people of Texas.The educational aspect of the SPJST Youth Program

is an integral part of local youth club activities. Stateand local programs address a range of areas, includinghuman relations, nature, parliamentary procedure, ju-venile decency, arts and crafts, the fine arts, music, dra-matics and Czech tradition. Youth club members rangefrom grades kindergarten to high school senior.The patriotic program consists of ceremonial rituals

and an annual essay contest. The objective is to teachthe operation of a free democratic society and majorityrule. The social program includes parties, dances, pic-nics, pageants, hay rides, and family group activities.

Summer CampSPJST also makes summer camping trips available

to its active young members. To be eligible to attendcamp at no charge, youth members must attend seven

out of 12 youth meetings or seven out of 12 adult lodgemeetings, if the lodge does not have a youth club. Anyyouth who initially joins a youth club and is not able tomake seven meetings can pay a fee determined by theDYC to attend camp. Youth members must also attenda majority of the youth activities in the youth club orlodge. Non-active youth members may attend campfor a fee determined by the District Youth Counselor.State Youth Achievement DayIn addition to the camp program, the SPJST offers its

youth a program which encourages participation in var-ious individual and group contests. The program cul-minates with the State Youth Achievement Day (YAD)and Royalty Contest held on a statewide basis on thefirst Saturday in August. The crowning moment ofSPJST’s royalty competition is the coronation of theking and queen who are selected on the basis of aspeech during which they are scored on content, deliv-ery and overall presence. All of the individuals whocompete for the honor are winners in their own right,having been selected to represent their respective dis-tricts 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 andConvention Center on Saturday, August 6 to participatein the 2016 SPJST State YAD and State Royalty Con-

test. The day’s competition covers talent, speech, hand-icrafts, 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 en-joying life together.Information on local lodge youth clubs may be ob-

tained by contacting your local lodge, District YouthCounselor, State Youth Director at 800-727-7578, or byvisiting www.spjst.org.

H H H 2015-2016 SPJST State Royalty H H HLeft to right are Duke Seth Martinez and KingBrady Alexander, both of Lodge 47, Seaton, andQueen Kacie Vanecek and Duchess MakaylaNewsom, both of Lodge 48, Beyersville.

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

SPJST Education and Nature Center (ENC) For more than 40 years, an exciting

fraternal idea — the quest to establisha family oriented educational and na-ture center remained an elusive dream.SPJST Education and Nature Center(ENC) is now bringing that vision tolife. The mission of the ENC, as estab-lished in year 2000 by the delegates tothe 28th SPJST Convention, is multi-faceted: To provide for use by the gen-eral public for education in the areas ofnature, conservation, environmentalmatters, fitness and health, culture, pa-triotic, family living, and history.Through a long-term lease agree-

ment with Lower Colorado River Au-thority (LCRA) and with funding fromSPJST, the ENC opened for operationsin 2010. In 2015, the SPJST enteredinto negotiations to purchase the prop-erty outright from the LCRA. That pur-

chase is expected to be completed thisspring. The first full year of operationswas in 2011. To date, the facility hasprovided nature training and recre-ational activities for numerous frater-nal, religious, school, civic, andenvironmental groups.Located approximately 70 miles

east of Austin, in Fayette CountyTexas, this picturesque region touches

the heart of early Czech settlement inTexas where SPJST was founded in1897. The ENC is a 180-acre site withair conditioned, overnight accommo-dations for up to 180 residents, and avariety of camping, meeting, and team-building facilities which are availableto the general public for educationaland recreational purposes. SPJST andother youth camps, church and busi-

ness retreats, overnight cabin rentals,and family reunions are some of thecurrent functions held at the ENC. Ac-tivities available include such things ashiking, swimming, boating, canoe-ing/kayaking, high and low ropes chal-lenge courses, archery, and numerousother sports activities. Individuals ororganizations who are interested inrenting the facilities are encouraged tocontact ENC personnel to schedule atour of the property.SPJST ENC is a 501(c)(3) non-

profit organization, and all donationsare tax deductible. For more informa-tion on the ENC or to submit a dona-tion, please contact ENC BoardSecretary Lynette Talasek at 254-773-1575, ext. 234, or emaillynettet@spjst.com.

• • •

SPJST supports established, fledgling charities

SPJST ENC has several opportunitiesfor employment.u Camp Director - The Camp Director(full-time) has overall responsibility forboth the camp site and daily operation ofthe camp, including program develop-ment/implementation and supervision ofcampers and staff.u Program Assistant - The ProgramAssistant (seasonal) is an instructor ofactivities; a leader of special programsand events; is responsible for the care

and supervision of the campers; assistswith all camp activities as needed; and isthe most vital element in the delivery ofthe camp program to campers.u Administrative Assistant - The Ad-ministrative Assistant (part-time) providesclerical and administrative support to theCamp Director and assists with specialprojects.

Please email your resume to LynetteTalasek at lynettet@spjst.com and com-plete the job application at www.spjst.org.

SPJST Mortgage Loan ProgramSPJST Scholarships and GrantsOne of the benefits that SPJST

makes available to its members is acompetitive scholarship program.The Scholarship/Grant Program ismeant to encourage and assistmembers to further their educationand to help them achieve careergoals.SPJST General Scholarships were

established in 1982 for allSPJST members. GeneralScholarships are funded bySPJST contributions and en-dowments and voluntarycontributions. Accordingly,the more funds available,the more scholarshipsawarded. Leadership Grants were

established in 1996 for activeyouth club members and arefunded solely through alloca-tions by the Supreme Lodge.100 Pennies Scholarship Fund DriveThe annual SPJST 100 Pennies

Scholarship Fund Drive commenceson October 1 each year and continuesthrough March 31. Donations are taxdeductible and 100 percent of theamount that is contributed is appliedtoward scholarships. Acknowledge-ment of individual donations will bepublished in the Vestnik. To con-tribute, send your check to:

100 Pennies Scholarship Fund Drive

c/o SPJST Home OfficePO Box 100

Temple, Texas 76503In addition to the 100 Pennies

Scholarship Fund Drive, SPJST main-tains a Memorial Scholarship Fund.Names of contributors and the indi-

vidual being honored are pub-lished in the Vestnik.Applicants must have an ac-tive SPJST life insurance cer-tificate in force for one yearand hold an active SPJSTlife insurance certificate forthe duration of the scholar-ship or grant. All SPJSTScholarship/Grant recipientsmust attend an accreditedtwo-or four-year college,university, or technical col-

lege on a full-time basis, as de-termined by the college or

university, and carry a normal aca-demic load without interruption andin agreement with the college calen-dar. Their personal and academicstandards must remain satisfactory tothe college and to the committee.For additional information regard-

ing the SPJST Scholarship/Grant Pro-gram, including deadlines forrequesting and submitting applica-tions, please contact the SPJST Pres-ident’s Office at 800-727-7578.

Your home is a major invest-ment, and it takes routine mainte-nance and upgrades to keep itlooking good and maintaining itsvalue.And speaking of value, here’s some-

thing else you’ll want to consider: AnSPJST Home Loan. If you are pur-chasing a home or want to remodelyour current home, have at least 25percent down or equity in your home,you could be in line to save plenty.

Pay Now, Save LaterSomething to consider: Unlike

most commercial institutions, SPJSTdoes not sell its mortgage notes to otherfinancial institutions. Should you havea question, you know who to call.

The basic philosophy underlying themortgage lending program offeredthrough the SPJST is that through jointeffort and mutual self-interest, individ-uals and families may collectivelyachieve objectives unattainable by act-ing alone.In order to be considered for a mort-

gage loan with SPJST, you or yourspouse must be a member of the Soci-ety. Likewise, each immediate familyis subject to a maximum financing lim-itation of $500,000.SPJST currently offers home, farm,

and commercial mortgages with notesranging up to 30 years. For informa-tion, please contact the SPJST Mort-gage Loan Department at800-727-7578.

Residential/Farm/Commercial Loans

Call the SPJST Home Office 800-727-7578.

75% Residential/Farm Loans for 5 to 30 Years

Commercial PropertyLoans for 1 to 10 Years

and 11 to 15 YearsFor Residential /Farm Property information,

contact the SPJST Mortgage Loan Department .

Employment Opportunities Available at SPJST Education and Nature CenterP P P P P P

Czech Heritage Museumand Genealogy CenterIn the 1950s, several Czech organi-

zations began discussing the possibil-ity of having a Czech history museum.During the 1960s, an effort began tocollect books and artifacts pertaining toCzech history and immigration toAmerica, and in 1971, the first museumwas opened in the new SPJST HomeOffice in Temple, Texas.While most Texas heritage muse-

ums are proud of artifacts dating to theearly 1800s, the Czech Heritage Mu-seum has items from as early as 1500. The early Czech Texans understood thevalue of the artifacts they chose tobring here from their homes in Europe.Some of their religious books were al-ready family heirlooms that had sur-vived various persecutions overprevious centuries. They brought theseprecious books with them to the landwhere freedom of speech, thought, andreligion were irrevocable. Recent research has uncovered the

significance of a rare French RegimentCzech Legionnaire’s World War I uni-form that was given to the museum bythe man who wore it. Jerry Baletka im-migrated as a boy from Czechoslova-kia to Crosby, Texas, fought with theCzechs in France and then donated hiscollection to the museum in the 1960s.By 1981, the museum had outgrown

its place and was moved to the base-ment of the SPJST building. In 2000,SPJST convention delegates voted tomake the museum a separate entity andbe moved to a new location. On Febru-ary 12, 2010, a ribbon was cut to offi-cially open the Czech HeritageMuseum at Third Street and FrenchAvenue 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. Thebuilding is distinguished by the ArtDeco/Spanish style exterior, which wasmaintained during reconstruction.Visitors to the museum often come

to research their family origins. The li-brary contains a fine collection of ge-nealogy research resources fromgeneral genealogy reference books toinformation on specific families, coun-ties, and ship’s manifests. Museumstaff assist families from all over theUnited States in their quest for familyhistories.

SPJST Endowed and Sponsorship Scholarship OpportunitiesSPJST scholarships are funded by

the Supreme Lodge and contributionsby SPJST members through the 100Pennies Scholarship Fund Drive andmemorial donations. Accordingly, themore funds available, the more schol-arships awarded. “It all adds up andthe end result is a great and positivedifference,” says Supreme Lodge Pres-ident Brian Vanicek.

SPJST Endowed ScholarshipsDonors who wish to make a positive

difference in the life of a young personand at the same time establish a lastingmemorial may establish or contributeto an SPJST Endowed Scholarship.The scholarship may be established inyour name or the name of the individ-ual you wish to honor. SPJST En-dowed Scholarships may beestablished starting at $10,000. By def-inition, an endowed scholarship is onein which the principle remains intactand only the interest is awarded each

year. Once established, your scholar-ship will be managed by SPJST. Yourendowment creates a permanent fund-ing source that will grow over time andwill support deserving students todayand in the future. SPJST Endowed Scholarships have

been established in the names of OttoHanus (two scholarships), MylesMarek, Ben and Martha Trcalek,Ernest Wentrcek, Denisse Wuensche,Gladys Yates, SPJST District Six,

Johnnie R. Krizan, and FrankKlinkovsky.

Sponsorship ScholarshipsIn 2012, SPJST presented its first

Sponsorship Scholarship with theawarding of the Slovacek SausageScholarship. The award was madepossible by the generosity of TimRabroker and Slovacek Sausage. Sponsorship scholarships differ

from SPJST endowed scholarships inthat donors may offer scholarships inthe name of a business or as a tribute toa family or friend on a one time basisfor $1,000.

For More InformationFor more information on establish-

ing a Sponsorship Scholarship or anSPJST Endowed Scholarship or to con-tribute to an existing endowed scholar-ship, please call the President’s Officeat 800-727-7578 or 254-773-1575.

—SPJST—

The museum is a 501(c)(3) non-profit organization, and donations aretax deductible. For more information,including museum hours and currentattractions, please call 254-899-2935 orvisit www.czechmuseum.org. Mail do-nations to:

Czech Heritage Museumand Genealogy Center119 West French AvenueTemple, Texas 76501

• • •

Comfort a priority for S.P.J.S.T.Senior Living Facilities in Taylor, Needville, and HilljeFor a half century, SPJST has been a

strong supporter of the S.P.J.S.T. SeniorLiving Centers located in Taylor andNeedville. Most recently, in 2015, that

list was expanded to include theS.P.J.S.T. Senior Living Center inHillje. All three of the senior livingcommunities maintain active volunteerprograms. In additon to receiving first-rate care and accommodations, resi-dents participate in a variety of socialand exercise activities, including bingo,movies, and regularly scheduled per-formances by area musicians andchoral groups and youth groups. The idea to build the first senior liv-

ing center surfaced at SPJST’s 1956Convention in Temple. Delegates au-thorized the establishment and organi-zation of a self-governing and

independent corporation and granted$100,000 to this purpose. To this day,the management of the senior livingcenters in Taylor, Needville, and Hillje— as well as the expanded assisted liv-ing center in Taylor — resides in thehands of seven directors — one fromeach SPJST district. Thanks to soundleadership and outstanding on-site per-sonnel, all of the S.P.J.S.T. senior carefacilities are doing well.The 74-bed Taylor facility opened in

1957. The 58-bed Needville commu-nity opening in 1972. A 24-bed assistedliving community was opened in Tay-lor in 2003. That facility was expandedwith the addition of 36 apartments in2009. A new S.P.J.S.T. Senior LivingCenter is slated to open later this yearin Taylor and will replace the existingfacility. For more information on S.P.J.S.T.

Senior Living and Assisted Living fa-cilities, please call 512-352-7209 orvisit them at www.spjstresthomes.com.

—SPJST—

Active lodges are listed in nu-merical order. District number isin parentheses. For lodge infor-mation, please call the lodge sec-retary or the contact listed. Foryouth club information, pleasecontact the local lodge youthleader. For insurance informa-tion, please contact lodge salesagents. Listings reflect Home Of-fice records as of March 16, 2016,(Use of this information for solic-itation or commercial purposes isa violation of the SPJST PrivacyPolicy and is strictly prohibited.)

LODGE 1FAYETTEVILLE (1)

Lodge Hall: 507 East Main Street, Fayet-teville. Directions: Lodge building is located onHighway 159 East, three blocks from the townsquare.

Hall Rental Information979-966-3795

Lodge Meetings: First Monday of even-num-bered months February, April, June, August,October, and December at 6 p.m. at the lodgehall.

Secretary Debra Pflughaupt979-249-6249

rpflughaupt@hotmail.com

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

Youth Leader Ronnie Pflughaupt979-249-6702

Sales AgentRonnie Pflughaupt 979-249-6702

LODGE 4HALLETTSVILLE (6)

Lodge Meetings: Second Sunday of eachmonth at 3 p.m. at Hallettsville Chamber ofCommerce, 1614 North Texana Street, Hal-lettsville.

Secretary Helen Zabransky361-798-3347

Sales AgentsJoe Siptak, FIC 979-244-4415

ssiptak1@hotmail.comSusan Siptak, FIC 979-244-4415

ssiptak1@hotmail.com

LODGE 5PILOT POINT-TIOGA (3)

Lodge Meetings: First Saturday of eachmonth at 2 p.m. at PointBank CommunityCenter, 739 East Liberty Street, Pilot Point.

Secretary Dean Carender903-564-7359 • jandd@texoma.net

Sales AgentsDean Carender 903-564-7359

jandd@texoma.net 903-815-5628Elise Koerner, FIC 940-391-1585

emrkoerner@msn.comMichael Munn 903-227-5969

mmmunn@gmail.com

LODGE 6COTTONWOOD (3)

Lodge Hall: 700 South Czech Hall Road,West. Note: The bridge on the road to the hallis out; but there is a detour to the hall. Di-rections: Take Farm Road 2114 East for 5miles. Turn right on Adair Road and immedi-ately veer right onto Marek Road. MarekRoad runs into Czech Hall Road. Turn rightonto Czech Hall Road. The hall is on the leftabout 1/2 mile.

Hall Phone: 254-227-8759

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

Secretary Barbara Jean Hykel254-826-4677

bjhykel@yahoo.com

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

Youth Leader Peggy Dobecka254-717-0383

dataped@sbcglobal.net

Sales AgentsJeanette Beseda 254-717-7840

jkbeseda@yahoo.comDonald Cernosek 254-855-6800

djcernosek@sbcglobal.netSelby Holder 254-715-5742

selby.holder@tstc.eduJerry E. Kucera, FIC 254-826-5425

jkucerains@att.net 254-749-1865

LODGE 8WEIMAR (6)

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

Secretary Earline Muenster979-562-2858

LODGE 9SNOOK (1)

Lodge Hall: 457 CR 269, Snook. Directions:From Snook, turn on FM 2155 to downtown.At Snook School, stay right on Spur 2155. Atthe “T”, turn right on CR 269. Go 3/10 mile,and hall is on the left.

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

Secretary Sharon Kovar979-272-3732 • sharon-kovar@tamus.edu

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

Youth Leader Loree Lewis979-220-4783 • loreelewis91@gmail.com

Sales AgentsStacey Eldridge 979-272-1556

staceyslovacek@aol.comKaren Gaas 979-272-8873

karengaas@yahoo.comBill Orsak, FIC, CFFM 979-272-1243

borsak@tconline.net 979-324-0056Pamela Pruett 512-760-6740

ppruett@milamins.comDonnie Victorick, FIC, CFFM 979-224-3125

dv.aggie@verizon.net

LODGE 13DIME BOX (1)

Lodge Hall: 425 CR 424, Dime Box. Direc-tions: In Dime Box, turn left from FM 141 onCR 424. Go east on CR 425 for 3/10 mile. Thehall is on the left.

Hall Phone: 979-884-3211

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

Secretary Ladonna Jatzlau979-884-0561

handsandbands@yahoo.com

Sales AgentsLadonna Jatzlau 979-884-0561

handsandbands@yahoo.comCarla West 979-540-2208

carlaw@intonline.com

LODGE 15BUCKHOLTS (2)

Lodge Hall: 600 State Highway 190/Highway36, Buckholts (historic hexagon-shapedlodge building with a stone entrance sign lo-cated approximately 1/4 mile east of down-town Buckholts). Directions: Lodge building islocated on Highway 36, east of Buckholts.

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

Secretary Dorothy Tomascik254-593-2757

Sales AgentsScott Brandon 254-217-5118

postofficecafe201@yahoo.comMary Helen Rodriguez 254-217-2863

honeyr1961@yahoo.com

LODGE 17NEW TABOR (1)

Lodge Hall: 2674 CR 225, Caldwell. Direc-tions: From Caldwell, turn from Highway 36east onto FM 166. Proceed 2.1 miles andturn left on CR 225. Go one mile, veering tothe right. The lodge building is located on theright.

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

Secretary Ben Trcalek, Jr.979-272-3278

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

Youth Leader Holly Narro979-218-4931 • hrnarro@airplexus.com

Sales AgentSusan Skrabanek, FIC 979-272-3440

spjst@aol.com 979-820-2218

LODGE 18ELGIN (2)

Lodge Hall: 702 Highway 95 North, Elgin.

Hall Rental Information512-217-0162 - David Meyer

Country/Western Band Booking512-281-3711 - Artie Monson

Polka Band BookingHall Phone: 512-285-3100

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

Directory of Directory of SPJST Lodges, Youth Clubs,SPJST Lodges, Youth Clubs,

and Sales Agentsand Sales Agents

2016 SPJST Life Insurance and Annuity Extra 25Secretary Charles Wilson

512-285-4293

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

Youth Leader David Meyer512-217-0162

chew_dwm@hotmail.com

Sales AgentsBetty Gaskamp 512-281-0234

bettygaskamp@yahoo.comLorri McCrary 512-484-0946

lmccrary@mccraryinsurance.comWilliam McCrary 512-281-6000

bmccrary@mccraryinsurance.comMargaret Taylor 512-303-0825

LODGE 20GRANGER (2)

Lodge Hall: 114 West Davilla, Granger.

Lodge Meetings: First Monday of each monthat 7 p.m. (unless it’s a holiday then the meet-ing will be held on the second Monday) at thelodge hall.

Secretary Rubie Loessin512-859-2765

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

Youth Leader Emilie Tischler254-721-7735

Sales AgentChris Warren 512-826-0563

chris.spjst@gmail.com

LODGE 23MORAVIA (6)

Lodge Hall: FM 957 North, Schulenburg. Di-rections: Located 12 miles south of Schulen-burg in Moravia. From Highway 77 betweenHallettsville and Schulenburg, take FM 532West four miles to Moravia. Turn right on FM957 North and go one mile. Lodge buildingis on the right.

Lodge Meetings: Tuesday after the secondSunday of March, June, and September at7:30 p.m. and the first Sunday of Decemberat 3 p.m. at the lodge hall.

Secretary Kathleen Guenther979-562-2124 • philg@cvctx.com

Sales AgentElizabeth Holub 979-561-8640

mikelizh@cvctx.com

LODGE 24CYCLONE (2)

Lodge Hall: 411 FM 964, Burlington. Direc-tions: Lodge building is located 12 miles eastof Temple, past Zabcikville. Exit at the blinkinglight on Highway 53 to FM 485, then go onemile to FM 964.

Hall Phone: 254-985-2393

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

Secretary Shirley Hoelscher254-985-0347

svwallace@hotmail.comYouth Club Meetings: Second Sunday ofeach month at 2 p.m. at the lodge hall.

Youth Leader Brenda Maddux254-721-1682

frontdeskgoddess@hotmail.comSales Agents

Roberta Amos 254-773-1100njones@fctinsurance.com

Paulino Castillo 254-773-0092paulino@texaslibertyins.com

Jason Hoelscher 254-985-0347jhoels3210@aol.com

LODGE 25ENNIS (3)

Lodge Hall: 1901 East Highway 34, Ennis.Directions: From Interstate 35 East at Waxa-hachie, take the Highway 287 East exit. Stayon Highway 287 East until you come to Ennis.Go straight through downtown Ennis and gounder the overpass at Interstate 45. Then goapproximately 3/4 mile on Highway 34, andLodge 25 is on the right.

Hall Phone: 972-875-8381

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

Secretary Patricia Fowler972-878-2083 • 1969fowler@gmail.com

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

Sales AgentsEugene Dolezal 972-935-4363

genemillie@att.netThomas Droste 972-965-5308

droste_t@yahoo.comDanny Dvorak 972-821-8946

crispczech@hotmail.comLinda Jurik 972-872-9997Kay Lynn Kovar, FIC 972-875-6827Margaret Krajca 972-878-6149

jmkrajca@yahoo.comMax McIntosh 972-935-2082

maxfli@ymail.com

LODGE 28EAST BERNARD (6)

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

Secretary Helen Kelner281-342-2624

Sales AgentsCarolyn Tims 979-900-9256

obtlcares@yahoo.comGlenn Kaminsky, FIC 979-335-4461

g2kamin@live.com

LODGE 29TAYLOR (2)

Lodge Hall: 5025 FM 619, Taylor. Directions:The hall is located two miles east of Taylor.Turn north from State Highway 79 onto FM619. Drive about one mile to the large two-story building.

Hall Phone: 512-352-9139

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

Secretary Linda Pospisil512-365-1110 • jlpospisil@yahoo.com

Youth Leader Cristy Girod512-468-1347 • girodranch@yahoo.com

Sales AgentsCristy Girod 512-468-1347

girodranch@yahoo.comAaron Jezisek 512-639-4715

lhdcsmtx@gmail.comAlbin Machu, CFFM 512-365-5489

elainemachu@hotmail.comJesse Pospisil 512-826-7371

jlpospisil@yahoo.comTammy Cannon 512-948-5339

tcannon4715@yahoo.com

LODGE 30TAITON (6)

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

Secretary Wanda Dorotik979-543-1974 • awdorotik@gmail.com

Youth Club Meetings: First Sunday of eachmonth at 2:30 p.m. at Taiton Community Cen-ter, 14221 FM 961, El Campo.

Youth Leader Lisa Bubela979-543-7120 • lbubela@warpspeed1.net

Sales AgentsBradley Bacak, FIC 979-543-9362

bradbacak@sbcglobal.netCrystal Bacak, FIC 979-543-9362

bacak@sbcglobal.netCarolina Covarrubia 281-779-9956

carroinpink@yahoo.comThomas Drapela, FIC 979-543-1142

tommydrapela@yahoo.comKaren Kaspar, FIC, CFFM 979-332-1616

k-kaspar@hotmail.com 979-543-2532

LODGE 32VICTORIA (6)

Lodge Hall: 3502 North Laurent, Victoria.Lodge Meetings: Second Thursday of eachmonth at 6:30 p.m. at the lodge hall.

Secretary Linda H. Mozisek361-676-7561

lindamo@suddenlink.netSales Agents

Mark Lester 361-484-2565mwlester@ymail.com

Michael Ahlstrom, FIC, CFFM 361-578-3279ahlstrom@suddenlink.net

Mary Monclova 361-572-3933mmcl6625@yahoo.com

Silvia Rangel 361-571-1697silvia_perry11@yahoo.com

Otto Mozisek 361-676-7562ottom@suddenlink.net

LODGE 35ELK (3)

Lodge Hall: 9508 Elk Road, Axtell. Directions:From Interstate 35 in Waco, take the Highway84 East exit. Stay on Highway 84 Eastthrough Bellmead and go approximately 8miles. On the right side of Highway 84 will bea sign saying “Elk.” Take the Elk Road. Turnright on Elk Road and go approximately onemile and the road will dead end. Take a rightat the dead end and go approximately 1/2mile. Lodge 35 is on the left side of the road.

Hall Phone: 254-863-9320Lodge Meetings: Second Wednesday ofeach month at 7:30 p.m. at the lodge hall.

Secretary Carla Pavelka254-420-2430

carla.pavelka@wacoisd.orgSales Agents

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

Gene Pavelka 254-749-3326bgpave@aol.com

LODGE 38KOVAR (1)

Lodge Hall: 278 Zimmerhanzel Road, Flato-nia.

Hall Rental Information512-237-2438 - Days

830-839-4353 - Evenings

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

Secretary Donna Zimmerhanzel830-839-4353

donnazimmerhanzel@yahoo.com

Sales AgentJohnnie J. Janak 512-237-5228

512-237-2432

LODGE 39BRYAN (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. Go1.1 mile and turn left on Magnolia. Take the firstright turn on Cherry Bend Circle. The lodge hallis at the bend of the road (white building).

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

Secretary Shirley Vytopil979-218-6432

svytopil@yahoo.com

Sales AgentsBrenda Glowski 979-571-5848

glowski4@aol.comJohn Kitchens 936-396-1767

jkitchens702@hotmail.comKevin Kuder 979-574-8775

kuderkev@aol.com

LODGE 40EL CAMPO-HILLJE (6)

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

Hall Phone: 979-648-2317

Secretary Inez Villarreal979-543-9342

inez_villarreal@yahoo.com

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

Youth Leader Cathy Garcia979-332-1614 • clvgarcia@yahoo.com

Sales AgentsArdis Bacak, FIC 979-578-8907

bradbacak@sbcglobal.netCathy Garcia 979-332-1614

clvgarcia@yahoo.comSheldon Holub, FIC 979-543-7387

sholub@awesomenet.net

LODGE 41PORT LAVACA (6)

Lodge Meetings: Second Tuesday of Febru-ary, May, August, and November at 6 p.m. atSix Mile Presbyterian Church, Royal Road,Port Lavaca.

Secretary Mary Sitka361-552-5170 • danmarysitka@yahoo.com

Sales AgentFranklin Jurek, FIC 361-920-9674

sajj@tisd.net 361-552-9674

LODGE 47SEATON (2)

Lodge Hall: 10842 State Highway 53, Temple.Directions: Star Hall is located seven mileseast of Temple on Highway 53 (Adams Avenuein Temple).

Hall Phone: 254-985-2548

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

Secretary Patsy Koslovsky254-985-2396 • patsyk2011@yahoo.com

Youth Leader Joyce Kraatz254-760-5816

joycekraatz@hotmail.com

Sales AgentsDeanna Burt 254-718-9453

dlburtbiz@gmail.comBasia Carpentier 254-307-7556

bmec48@gmail.comDavid Coufal 254-986-2448

david@davidcoufalinsurance.comFrank Klinkovsky, Jr. 254-721-4076

klinkcrew@sbcglobal.netPatsy Koslovsky, FIC 254-985-2396

patsyk2011@yahoo.com

Tammy Martinez 254-985-2457tammym@spjst.com

David Pechal 254-721-8370davidpechal@yahoo.com

Corinne Popelka 254-931-1256kerr.corinne@gmail.com

Michael Seiler 254-939-0180mseiler@farmersagent.com

Dolores Skrabanek, FIC 254-985-2344dskrabanek@embarqmail.com

Lynette Talasek 254-931-0639lynettet@spjst.com

Donica Zabcik 254-749-5607donicaz@spjst.com

LODGE 48BEYERSVILLE (2)

Lodge Hall: 10450 FM 619, Taylor. Direc-tions: From Taylor, take the South Loop. Turnright on FM 112. Go about 1/2 mile. Turn righton FM 619. Go about three miles. Hall is onthe right.

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

Secretary Juanette Susan512-365-8381

juanette_susan1@aol.com

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

Youth Leader Janet Fila512-450-8310

janaree99@hotmail.com

Sales AgentsDonna Vanecek 512-736-5731

donnavanecek@yahoo.comBobby Wuensche 281-352-3517

bobbyleewuensche@gmail.com

LODGE 49ROWENA (4)

Lodge Hall: 706 FM 2133, Rowena.

Lodge Meetings: First Wednesday of Febru-ary, May, August, and November at 7 p.m. atthe lodge hall.

Secretary Laura Pospichal325-442-3002 • yellowcar02@aol.com

Youth Leader Becky Wood325-656-0029

bwood@citizensstatebk.com

Sales AgentsFrances Aleman 325-977-0757

fmaleman@acceptanceinsurance.comLisa Galvan 325-365-2627

lisa.13@verizon.netJoan Halfman 325-442-4425

j1146@verizon.net Jimmy Jones 325-372-5522

jjins@centex.net 325-248-3579Thomas Kirkpatrick 432-558-2777

westwindinsurance@att.netEliza M. Rodriguez 325-949-9508

rodnewfsfamily@yahoo.com

Billy Rollwitz, FIC, CFFM 325-442-3141brollwitz@verizon.net

Sylvia M. Rollwitz, FIC 325-442-3141srollwitz@verizon.net

Kenneth Rooke 325-446-3073kenny@rthi.org

Loretta Schaefer 432-397-2483schhal@crcom.net

Richard Sonnenberg 325-718-8445rickster@wtxs.net

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

Liliana Valenzuela 619-905-0228calla.lily@me.com

LODGE 51ELLINGER (1)

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

Secretary Jo Ann Divin979-249-3176

joanndivin@yahoo.com

Sales AgentsEdna Bergfeld 979-732-3776

ednabergfeld@txun.netFausta Kaiser 979-732-1386

eweknoit@yahoo.com 979-732-5030

LODGE 54WEST (3)

Lodge Meetings: First Friday in March, June,and November and the second Friday in Sep-tember at 7 p.m. at St. Joseph Hall, 303 SouthHarrison Street, West.

Secretary Janice Kaluza 254-826-3534

fjkaluza@txun.net

Sales AgentsFreddie Kaluza 254-826-3534

fjkaluza@txun.net 254-709-2303Janice Kaluza 254-826-3534

254-749-5676jankaluza@aderholdfuneralhome.com

Jean Martin 254-854-2833bwmartin@windstream.net

Wilburn Willis, FIC 254-799-5394wilburnwillis@aol.com

LODGE 63SWEET HOME (6)

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

Secretary Ann Moseley361-594-8429 • moselam@hotmail.com

LODGE 66WACO (3)

Lodge Meetings: Date, time, and location tobe announced in the lodge meeting minutesprinted in the Vestnik for each month’s meet-ing. Call 254-799-4247 for information.

Secretary Dana McAdams254-799-4510 • danamcad@aol.com

Sales AgentsKim Allen 254-709-1227

mustang_2501@yahoo.comRichard Allen 254-339-9375

aaindependent@yahoo.comRuby Clayborne 254-799-4790

rubyclayborne@aol.com Kaelyn Dillard 254-694-7800Randolph Dillard, Sr. 254-694-5099John Engelke 254-717-7534

john.engelke@hotmail.comJohnnie Gaidusek, Jr. 254-934-2527

rvos@windstream.net 254-709-5976Justin Gaidusek 254-718-8212

justin@rolloinsurance.comChristine Galysh 254-754-5174Denise Gay 254-722-0763Joel B. Gay 254-836-1039

joby@triplansolutions.comKevin Hannes 254-733-4914

khannes@grandecom.netRandy House 254-749-4636

rhouse3407@gmail.comLarry Matula 254-822-1550

agency@matulainsurance.comVia Jean Randolph 254-218-9736

viarandolph@gmail.comMichael Thompson 254-717-9008

t2fans@aol.comSammy Tull 254-857-8600

sjtrmtull@gmail.comDonnie Turnbough, Jr. 254-652-0707

turnbough97@yahoo.comNelson Washington, Jr. 832-508-1507

ultimatetaxsolution@gmail.com

LODGE 67SCHULENBURG (1)

Lodge Meetings: Call for quarterly meetingdate, time, and location.

Secretary Mary Ann Kutac979-561-8686

Sales AgentAdrienne Kobza 979-561-8237

akobza@cvctx.com

LODGE 73SEYMOUR (4)

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

Secretary Alice Orsak940-889-2391

Sales AgentChristopher Moore 940-256-2263

cfmoore1@aol.com

LODGE 76WICHITA FALLS (4)

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

Secretary Diana Ibarra940-224-7383 • wibarra60@hotmail.com

Sales AgentsWilliam Ibarra 940-642-6149

wibarra60@hotmail.comHolly Cox 940-674-5554

hometowninsurancechildress@gmail.comRay Esparza 940-692-2244

albarosalinda@gmail.comEzekiel R. Garcia 940-782-3943Diana Geis 940-733-5328

dianageis@hotmail.comJocelyn Reaves 940-257-9114

jocelyn@bunkleyandjones.netLaramie Reaves 940-257-9117

laramie@bunkleyandjones.netMichelle Robertson 940-322-2860William Waddle 940-569-2934

wmwaddle@nts-online.netKaty Williams 806-202-3925

kwilliamsins@gmail.com

LODGE 79CORPUS CHRISTI (7)

Lodge Meetings: Third Sunday of eachmonth at 2 p.m. at Sokol Hall, 5502 KostoryzRoad, Corpus Christi.

Secretary Virginia Rebecek361-816-3128

Youth Club Meetings: Third Sunday of eachmonth at 2 p.m. at Sokol Hall, 5502 KostoryzRoad, Corpus Christi.

Youth Leader Marcia Rew361-947-8233

Sales AgentsEligio Cueva 361-389-2444

evcueva@hotmail.comFrancisco Dheming, Sr. 361-561-7658Armando Diaz 361-945-2790

armandovdiaz@aol.comBecky Flores 361-945-2695

bowflo@yahoo.comElida Flores 361-852-0749

floresm380@cs.comAmiel Garcia 361-438-1860

abengar@msn.comCynthia Gomez 361-534-9490

cynthiagomez922@yahoo.comDarel Jaramillo 210-685-6830

ddjii@hotmail.comRalph Juarez 361-537-5506

juarez2112@aol.comDavid Knapp, LUTCF 361-765-4646

dckltc@yahoo.comOscar Longoria, LUTCF 361-325-3551

osamlong@yahoo.comJavier Mora 361-549-0116Lance Morck 361-904-6241

l_morck@yahoo.comJames Newton 956-251-5076

goldjim79@gmail.comArmando Perez, LUTCF 361-814-0314

asperez6040@hotmail.comAbel Reyna 361-547-0064

ab3rey@aol.comGail Sanchez 361-876-6669

sanchez.gail@att.netJerry Sijansky, FIC 361-853-1227

jaquayj@wildblue.netViola Thrasher 361-425-3699

elder_nmbr4@yahoo.comEva Vasquez 361-765-3258

elvasquez54@yahoo.com

Julie Welch 361-945-7221jkwelch72@sbcglobal.net

Deborah Whittington 361-939-7588dawhittington@sbcglobal.net

Donney Zumwalt 361-815-3595donneyzumwalt@yahoo.com

LODGE 80HOLLAND (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

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

Secretary Linda Hill254-598-0284

hlinda1260@aol.com

Youth Club Meetings: Second Wednesdayof each month at 6 p.m. at Youth Leader Con-nie Horak’s home. Call 254-541-9165 for ad-dress.

Youth Leader Connie Horak254-541-9165 • c.horak69@gmail.com

Sales AgentsVicki Benner Slye 254-657-2628

vslye@embarqmail.comFrank Horak 254-657-3018

f_horak@yahoo.comJoe W. Liles 254-657-2488

joelilesrvos@gmail.com 254-913-7674

LODGE 81NEEDVILLE (5)

Lodge Hall: 13609 Violet Street, Needville. Di-rections: Lodge building is located south onHighway 36, one mile from the traffic light inNeedville.

Hall Rental Information979-793-4313 • td_stavinoha@yahoo.com

Hall Phone: 361-793-4742

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

Secretary Willie Mae Kuykendall281-233-6539

Youth Club Meetings: Contact Youth LeaderBradley Stavinoha for meeting date, time, andlocation.

Youth Leader Bradley Stavinoha979-793-2386

spjst@earthlink.net

Sales AgentBradley Stavinoha 979-793-2386

979-793-4364bradley@needvilleinsurance.com

LODGE 84DALLAS (3)

Lodge Hall: 2625 Floyd Street, Dallas. Direc-tions: From Interstate 35 East in Dallas, takeInterstate 20 East. From Interstate 20 East,take the Interstate 45 exit toward downtownDallas. Interstate 45 runs into Highway 75.From Highway 75, take a right at the BryanStreet exit. From Bryan Street turn right onCantreal Street. Go on Cantreal Street until youcome to Floyd Street. Take a right on FloydStreet. Lodge 84 is the second building on theright, 2625 Floyd Street.

Hall Phone: 214-823-0072

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

Secretary Cheryl Petr214-352-4397 • cherripetr@sbcglobal.net

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

Youth Leader Lynda Novak972-948-4456

magiclady_46@hotmail.com

Sales AgentsThomas Athas 817-521-6662

thomasathasagency@msn.comLynda Novak 972-948-4456

magiclady_46@hotmail.com

LODGE 87TEMPLE (2)

Lodge Hall: 320 North 50th Street, Temple. Di-rections: From East Adams Avenue, turn northon 50th Street. Go 2/10 mile. Lodge building ison the left.

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

Secretary Judith Ann Little254-913-8568

judith.little71@yahoo.comSales Agents

Betty Barton 254-913-0386bettybar@vvm.com

Karin Bryant 254-338-3275allyourinsuranceneeds@centurylink.net

Keifer Marshall, Jr. 254-773-2240kmarshall@insurors.com

Billye Westlake 254-913-3087billyew@spjst.com

LODGE 88HOUSTON (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 trafficlight onto 18th Street. Go under freeway atthird traffic light. Turn on Beall Street.

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

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

Secretary Carol Stayton979-865-0425

staytonc@yahoo.com

Youth Leader Barbara Linney-Gonzales713-649-6138

district5dyc@aol.com

Sales AgentsCarolyn Filipp Beseda, FIC 713-203-1368cffilipp@earthlink.netHelen Hegwood, FIC 713-864-0489Vincent Hegwood, FIC 281-358-7312Mildred Holeman 713-691-6434

mmholeman@yahoo.com 713-305-7895Janice Jahns 281-615-5046

wjahns@sbcglobal.netAna Latigo 713-385-0590

avlatigo@yahoo.comLarry W. Pflughaupt, FIC 713-864-2163

lpflugh@aol.com

LODGE 91SAN JACINTO (5)

Lodge Meetings: Quarterly meetings - to beannounced in Vestnik.

Secretary Vonda Smesny713-870-7114 • wolcek@comcast.net

Sales AgentsCarlos San Miguel 361-562-8800

sanmiguel.carlos1@yahoo.comCharles Thomas, Jr. 832-687-1099

charlesintx@gmail.comVickie Wilkinson 281-446-0467

vickiewilk@netscape.net

LODGE 92FORT WORTH (3)

Lodge Hall: 3316 Roberts Cutoff Road, FortWorth. Directions: From Interstate 35 West inFort Worth, take Interstate 30 West to the Hen-derson exit. Take Henderson North, and it be-comes Jacksboro Highway (TX 199). Stay onthis road north until Roberts Cutoff which is aright off of Jacksboro Highway. The lodge (alsoknown as National Hall) is on the right abouttwo or three blocks down the road. A GreatWestern Inn Motel is on the corner.

Hall Phone: 817-624-1361

Secretary Mary Ann Krivanek817-237-4320

matk1945@gmail.com

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

Youth Leader Jolie Paprskar Mozingo817-589-1949

jumpingjoles@gmail.com

Sales AgentsThomas Brown 940-321-8717

tabrown@charter.net Pamela Durham 817-877-1502

pam@pamdurham.comDavid Ford 817-239-6547

fordclu@sbcglobal.netGordon Hubenak 817-498-3905Holly Hubenak Anderson 817-337-0964

hhubenak@coppellisd.comKenneth Krivanek 817-237-4120

LODGE 97PLACEDO (6)

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

Secretary Bernadette Bellanger361-578-4253

bbbellanger2011@hotmail.com

Sales AgentsDavid Bellanger 361-578-4253

djbellanger@hotmail.comGay Revel, FIC 361-573-4443

revelgay@yahoo.com

LODGE 101GAINESVILLE (3)Secretary Rudy Paclik

940-668-6259

LODGE 107FLORESVILLE (7)

Lodge Hall: 1156 FM 1303, Floresville. Direc-tions: From Floresville, take FM 536 Westthree miles to FM 1303. Turn right and go twomiles. The hall is on the right.

Secretary Wendy Pruski210-535-4916

poohbear78064@hotmail.com

Sales AgentsBob Bayer, FIC 830-393-2872

blackbayer39@hotmail.comWendy Pruski, FIC 210-535-4916

poohbear78064@hotmail.comCynthia Puig 956-489-4995

cpuig1@gmail.comLinda Rodriguez 830-393-2229

thuney@floresville.netMiguel Rodriguez 210-375-2131

mgrodriguezjr@yahoo.comJesus Romero 956-763-4498

javr4@stx.rr.comMelvin Strey 830-420-3185

mstrey@gvec.netRonald Thuney 830-393-6729

thuney@floresville.net

LODGE 117ROBSTOWN (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 Raska361-334-7222

ldianne63@hotmail.comSales Agents

Sylvia Ballin 361-563-0800saballin49@yahoo.com

Carlos Benavidez 361-739-5907ccarlosgb3@aol.com

LODGE 130DALLAS (3)

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

President John Vrla214-906-3385 • jvrla@cebridge.net

Sales AgentJohn Vrla 214-906-3385

jvrla@cebridge.net

LODGE 133SAN ANTONIO (7)

Lodge Meetings: Third Sunday of eachmonth at 2 p.m. at Good Shepherd LutheranChurch Activity Center, 1630 Goliad Road,San Antonio.

Secretary Vicki Reese210-698-1525

vreese2@satx.rr.com

Sales AgentsTheodore Aanderud 210-639-6313

aanderudte@aol.comEvangeline Cisneros 210-264-8045

vangiecisneros@yahoo.comMaria De Los Angeles Galvan 210-849-0584

angelescano2008@hotmail.comMaria C. Garcia 210-531-9949

mcb1315@msn.com 210-861-4985Yvette Garza 210-784-9876

yvette_grz@yahoo.comAdilia Giron 210-865-5639

adiliagiron@yahoo.comBeatrice Gutierrez 210-386-4708

bgutierrez524@yahoo.comVeronica Hernandez 210-454-5456

petalo1628@hotmail.comLaura Martinez 210-789-1061

lauramaguilar07@yahoo.comJarolyn Popp, FIC 830-964-5135

bobpopp@gvtc.comVictor M. Ramirez 956-844-1136

vicr49@yahoo.comMaria Reyes 210-412-0161

maryreyes2800@gmail.comSandra Rodriguez 210-777-2459

amaservices2@gmail.comHector Vallejo 210-735-2204

hectorvallejo19@yahoo.comAracely Varela 210-320-5200

chela@grandecom.netIndra Votion 210-386-3383

indracm@yahoo.com.mx

LODGE 135ENNIS (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 Valek214-794-7674

LODGE 139DANBURY (5)

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

Secretary Lorenda Baldwin979-922-1279

lorendave14@sbcglobal.net

Sales AgentsJustin Smith 979-215-9667

justinlsmith_1@yahoo.comLarry Strebeck 979-922-8000

LODGE 141SEALY (1)

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

Secretary Bernice Stolarski979-885-6786 • bbstol@sbcglobal.net

Sales AgentsRick Martinez 979-885-4900

martir19@hotmail.comJohn Simpson 713-818-9800

817@catspringvfd.com

LODGE 142HOUSTON (5)

Lodge Meetings: Second or Third Sunday ofeach month, 2 p.m. at SPJST Lodge 88,Houston dining room or annex building, bothlocated at 1435 Beall Street at West 15th,Houston (the Heights). For information, con-tact Lodge 142, Houston President Keith Ki-eschnick 713-252-5564 or lodge secretary forinformation.

Secretary Alice Jochen979-743-3613

Youth Club Meetings: Same time/location asadult lodge meetings.

Youth Leader Catherine Manchack281-893-8107 • cmanchack@yahoo.com

Sales AgentsKerry Herrington 281-704-5737

kerryherrington@yahoo.com

Carita Felbermayr 832-465-8833caritaf50@hotmail.com

Catherine Manchack 281-893-8107cmanchack@yahoo.com

LODGE 148EL MATON (6)

Lodge Meetings: Second Sunday of eachmonth at 3 p.m. at Frank Hahn’s Camphousein El Maton.

Secretary Melissa Zielonka830-373-4388 • zielonka33@aol.com

Youth Club Meetings: Second Sunday ofeach month following the adult lodge meetingat Frank Hahn’s Camphouse in El Maton.

Youth Leader Melissa Zielonka979-618-1890 • zielonka33@aol.com

LODGE 151WHARTON (6)

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

Secretary Janie Bucek979-532-5884

jbucek2001@yahoo.com

Sales AgentsCharles Bucek, FIC 979-335-4118Gerald Macha, FIC 281-341-0320

geraldmacha@comcast.netRay Pilgrim, FIC 979-543-3754

pilgrim106@sbcglobal.net

LODGE 153LA SALLE (6)

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

Secretary Mary Jane Sralla512-782-3374

esralla@sbcglobal.net

LODGE 154FORT WORTH (3)

Lodge Hall: 6500 Boat Club Road, Fort Worth.Directions: From Interstate 35 West in FortWorth, take the Interstate 20 West exit. Stay onInterstate 20 West until you come to 820 andstay on 820 until you come to the JacksboroHighway and Azle Street exit. Take the AzleStreet exit and go to the traffic light. Turn left atthe traffic light and go to the second traffic light,then turn right onto Boat Club Road. Go onBoat Club Road approximately 2 1/2 miles.Lodge 154 is on the right.

Hall Phone: 817-237-5181Lodge Meetings: Third Sunday of each

month at 3:30 p.m. at lodge hall.Secretary Mary Steinman

817-731-2580 • appamary@sbcglobal.netYouth Club Meetings: Third Sunday of eachmonth at 5 p.m. at the lodge hall.

Youth Leader Lesli Milan817-320-7129 • leslimilan@yahoo.com

Youth Leader Carrie Ann Jones817-371-1727 • jonestravel@att.net

Sales AgentsFred Flores 817-724-7673

fredgflores@gmail.comSheri Humphreys 817-236-1304

sm.kh@prodigy.netJoseph Steinman 817-624-1760

sokolfw@yahoo.com

LODGE 155AUSTIN (2)

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

Secretary Ginny Prasatik512-472-1721 • gprasatik@att.net

Sales AgentsMinerva Leos 512-945-0284

leos.minerva@yahoo.comDoris Plagens 512-888-1822

doris.plagens@yahoo.comRicky D. Rodriguez 512-591-4022

sirricrod@yahoo.com

LODGE 157LUBBOCK (4)

Lodge Meetings: Second Sunday of everyother month at 1 p.m. Call for meeting loca-tion.

Secretary Cynthia Kristinek806-763-7245 • cjkristinek@yahoo.com

Sales AgentsPaul Harwood 806-681-9701

peharwood55@yahoo.comCynthia Kristinek 806-632-2432

cjkristinek@yahoo.comJay Lindley 806-369-9369

jayl@amaonline.com

LODGE 160SAN ANGELO (4)

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

Secretary Charlene Dusek325-651-4977 • cdusek@wcc.net

Sales AgentsBobby G. Davis, FICF, CFFM 325-450-3748

bgdsr2428@aol.comSylvia Garivay 325-212-8444

sgarivay@yahoo.comJacquelyn Gift 325-212-6456

jacke_gift@yahoo.comLeonard A. Jansa, FIC 325-651-8045

ljansa13@gmail.comPatti Pool 325-949-8499

pattipool@yahoo.comLydia Talamantez 325-262-9743

lillyg636@yahoo.comSam Tambunga 325-944-8836

samt@samuelinsurance.com

LODGE 162IOWA COLONY (5)

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

Secretary Geraldine Kucera Frank281-431-1474

geri_frank@yahoo.comYouth Club Meetings: First Sunday of eachmonth at 2 p.m. at Iowa Colony CommunityCenter, 12003 CR 65, Iowa Colony.

Youth Leader Brenda Moyle281-369-3503 • brenda@moblaw.com

Sales AgentsWardell Starling 281-250-8168

strlnganit@aol.comWilliam Reynolds 832-882-4660

williamreynolds9@gmail.com

LODGE 169BRENHAM (1)

Lodge Meetings: Fourth Thursday of Febru-ary, April, June, August, October, and De-cember at 6 p.m. at Mobius Coffeehouse andPizza Connection, 1120 South Market Street,Brenham. Meal, social, and meeting from 6to 8 p.m. The December meeting is on thefirst Sunday at 12 noon.

Secretary Lenora Bliznak979-836-9875Sales Agent

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

LODGE 172PASADENA (5)

Lodge Hall: 3609 Preston Road, Pasadena.Hall Rental Information

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

Lodge Meetings: Fourth Sunday of eachmonth, meal at 1 p.m. followed by meeting at2 p.m. with the exception of November andDecember, as noted.

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

Sales AgentSophia Rainey 713-775-4698

sophia.rainey@yahoo.com

LODGE 177ACADEMY (2)

Lodge Hall: 711 Rio Poco, Little River. Direc-tions: Lodge building is located on south sideof Academy on Highway 95.

Hall Phone: 254-982-4434

Secretary Joanne Hutka254-865-2029 • wjjahutka@gmail.com

Sales AgentsKathy Kruger 254-718-9037

kfmay1959@yahoo.comNancy Miller 254-983-0011

nancym@spjst.comLuann Schiller-Van Lier 254-718-8153

luanntx@msn.com

LODGE 179WARRENTON (1)

Lodge Meetings: Second Thursday of eachmonth at 7 p.m. at Carmine Lions Club Build-ing, 201 Centennial Street, Carmine.

Secretary Melissa Wickel979-278-3930

mwickel@industryinet.com

Sales AgentRicky Weyand 979-249-5679

rickylw59@yahoo.com

LODGE 180BURLESON (3)

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

Hall Rental Information817-558-2400 • 817-295-3483817-371-0255 • 972-268-0022

Hall Phone: 817-295-9665

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

Secretary Rhonda Hurtik972-268-0022

rhurtik@yahoo.comSales Agent

Nancy Kelly 817-558-7347

LODGE 181, CONROE (5)Lodge Meetings: Fourth Tuesday of eachmonth at 6 p.m. at Central Library in Conroe.

Secretary Patsy McClellan936-788-5714

pmcclellan@consolidated.net

Sales AgentsJohn Cole 936-662-6440

john@coleinsofhuntsville.comJames Dinaso 281-836-3649

jimdinaso@gmail.com 832-407-4272Artresa Johnson 936-581-2564

artresacj@aol.comCharles Toney III 281-362-9062

cdtiii@toney.usBarbara Williams-Rash 936-295-7778

b.d.willrash@att.net

LODGE 182FALLS COUNTY (2)

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

Secretary Becky Beckendorf254-749-5732

beckyb.bltb@gmail.com

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

Youth Leader Becky Beckendorf254-749-5732

beckyb.bltb@gmail.com

LODGE 183ARLINGTON (3)

Lodge Hall: 3100 Pleasant Valley Lane, Ar-lington. Directions: Take Interstate 35 West toFort Worth. Take the Interstate 20 East exitand proceed on Interstate 20 East until youcome to the Cooper Street exit. Take theCooper Street exit to the North and stay onCooper Street until you come to MayfieldStreet. Take a right on Mayfield and go downand take a left on Pleasant Valley.

Hall Rental Information817-465-8538 • 214-876-9029

Hall Phone: 817-465-8538

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

Secretary Darlene Hollingsworth817-417-6071

sunnydarlene1@gmail.com

Youth Club Meetings: Last Friday of eachmonth at 7 p.m. at the lodge hall.

Youth Leader Debra Daniel817-472-6261

ddaniel108@sbcglobal.net

Sales AgentsHiram Dixon 254-231-7722

hadixon2003@yahoo.comSabino Garcia 817-909-8899

garciasabi@att.netEugene Havran 817-467-3010

eugenehav@yahoo.comRay Jordan, Jr. 817-477-7351

rjordanw2000@live.comKattia Lange 786-285-4779

kzucchetti@gmail.comArnoldo Lerma 682-438-4693

lerma13@gmail.comDaniel Roznovsky, FIC 972-252-6763

droz1@verizon.netRhonda Steelman 972-294-1043

rsteelman@rvosagent.comKatherine Weeks 817-896-5277

kgweeks@att.net

LODGE 184MOULTON (6)

Lodge Hall: FM 532 West, Moulton. Direc-tions: From Texas 95 in Moulton, take FM 532West four miles. Lodge hall is located on theright.

Secretary Terry Stevenson361-772-0046

terrywstevenson@gmail.com

LODGE 185NEW BRAUNFELS (7)

Lodge Meetings: Every other month—Feb-ruary, April, June, August, October, and De-cember. Call for meeting date, time, andlocation.

Secretary Cindy Schmidtzinsky512-787-9334 • cks78666@yahoo.com

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

Youth Leader Theresa Haag830-625-8262 theresa.haag686@gmail.com

Sales AgentApril Howard 830-626-3303

ahoward@pta-usa.com

LODGE 186CALDWELL (1)

Lodge Hall: 937 State Highway 36, Caldwell.Directions: Lodge building is located just offHighway 36 on the south side of Caldwell, nextto Burleson County Fairgrounds.

Lodge Meetings: Second Tuesday of eachmonth at 6:30 p.m. at the lodge hall.

Secretary Michelle Mendez979-567-9144

mrmendez66@gmail.com

Youth Leader Yolanda Brinkman979-567-0637

ymbrinkman@cvm.tamu.edu

Sales AgentsThomas Cannon 979-567-4264

jtcannon60@hotmail.comMargaret Haisler 979-219-1983

margarethaisler@hotmail.comSamuel Johnson 979-575-1151

seniorplans@yahoo.comMichelle Mendez 979-567-9144

mrmendez66@gmail.comVictor Mendez, Jr. 979-567-9144

mrmendez66@gmail.com

LODGE 187ROUND ROCK (2)

Lodge Hall: 920 Luther Peterson Place,Round Rock. Directions: From Taylor, takeHighway 79 into Round Rock until you get toSunrise. There will be a 7-11 store on theright. Turn right and proceed past HopewellSchool. Continue through the four-way stop.Luther Peterson Boulevard is the first streeton the left. From Temple, take IH 35 South.Just past Georgetown, exit on UniversityBoulevard. Proceed to stop sign. Take left onUniversity Boulevard The third street is Sun-rise. Take right onto Sunrise. The secondstreet to the right will be Luther PetersonBoulevard.

Lodge Meetings: Second Sunday of eachmonth, 2 to 3 p.m. at the lodge hall.

Secretary Deborah Rohlack512-897-2616 • deborah_rohlack@dell.com

Sales AgentsChristopher Giesenschlag 830-385-6955

cgiesenschlag94@gmail.comRubie M. Volek, FIC 512-771-4948

rubiebr@sbcglobal.net

LODGE 189BRYAN-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 AgentsFrank Bosquez, Jr. 979-739-6884Henry P. Mayo 979-693-5818

hpmayo@gmail.comUldric Zemanek, Jr. 979-822-3277

buddyzmf@verizon.net

LODGE 191LUFKIN (5)

Lodge Hall: 197 Hughes Street, Lufkin. Hall Rental Information

936-875-2867Hall Phone: 936-637-2706

Lodge Meetings: Monday before the thirdFriday night of each month at 7 p.m. at thelodge hall.

Secretary Patricia Ann Scogin936-875-2867

georgepat@consolidated.netSales Agents

Calvin Anderson, II 936-634-1962clandy1962@yahoo.com

Tucker Weems 936-634-4081tucker@sgtitle.com

LODGE 196HOUSTON-WEST (5)

Lodge Hall: 17810 Huffmeister Road, Cy-press. Directions: Off Highway 290 West atSkinner.

Hall Phone: 281-373-9482

Secretary Deann Beckendorf254-275-8028

joh.becken@yahoo.com

Sales AgentsDeann Beckendorf 254-275-8028

joh.becken@yahoo.comDaniel Chades 832-515-7360

danchades@yahoo.comMark Childres 832-496-6646

childresins@att.netDelisle Doherty 832-232-2049

delisled@sbcglobal.netDonald Fruin 832-651-5388

dfruin@fruinandassociates.comCecil Penright 281-820-3677

cpenright@yahoo.com

LODGE 200BRUCEVILLE-EDDY (2)

Lodge Meetings: First Wednesday of eachmonth at 6:30 p.m. at Taylor Hall/Bruceville-Eddy Senior Center, 100 Fourth Street, Eddy.

Secretary Michael Hosch254-859-3989

althamas@yahoo.com

Sales AgentsSandra Garrett 254-938-2424

garrett.sandra1231@yahoo.comGene McBride 254-228-6465

gmcbride38@yahoo.comDavid Nauert, FIC 254-534-0809

davidn@vvm.com

LODGE 201BLEIBLERVILLE-NELSONVILLE (1)

Lodge Hall: 3948 FM 2502, Bleiblerville. Di-rections: Lodge building is across the streetfrom the post office in Bleiblerville.

Secretary Elaine Duron979-836-5446

LODGE 202JOURDANTON (7)

Lodge Meetings: First Sunday of eachmonth at 2 p.m. (March, June, September,and December at 1 p.m.) at Jourdanton Com-munity Center, 1101 Campbell Avenue, Jour-danton.

Secretary Bettie House830-281-8246 • bvhouse@att.net

Youth Club Meetings: First Sunday of eachmonth at 1:15 p.m. at Jourdanton CommunityCenter, 1101 Campbell Avenue, Jourdanton.

Youth Leader Regina House830-570-2046 • spjst202youth@gmail.com

Sales AgentsJanice Favor 830-429-3090

jfavor1@satx.rr.comCheryl Henry 830-570-0100

cghenry@directv.netChester Gail Lee 830-579-4714

cgrlee@sbcglobal.netLinda Ramey, FIC 830-393-3320

linda@rameyins.comCatherine Sadler 210-776-2371

sadlercj@hotmail.com

LODGE 204STEPHENVILLE (3)

Lodge Meetings: Call Norman Kneschk254-386-3222 or emailnormk_82@hughes.net for meeting date,time, and location.

Secretary Sandra Pierce254-485-5801

sklpierce@hotmail.com

Sales AgentsNorman Kneschk, FIC 254-386-3222

normk@htcomp.netPhilip McBee, FICF, CFFM 325-647-1949

philipmcbee@aol.comFloyd Pierce 254-965-5953

sklpierce@hotmail.comSandra Pierce 254-485-5801

sklpierce@hotmail.com

LODGE 207IOWA PARK (4)

Lodge Meetings: Third Thursday of eachmonth at 6 p.m. Call lodge secretary or salesagents for meeting location.

Secretary Joyce Kotulek940-855-0882

dkotulek@gmail.com

Sales AgentsDennis Kotulek 940-855-0882

dkotulek@clearwire.netJoyce Kotulek 940-855-0882

dkotulek@clearwire.net

LODGE 215SOUTH PLAINS (4)

Lodge Meetings: Every third Sunday of Jan-uary, March, May, July, and September at 6p.m. Call lodge secretary for meeting location.

Secretary Pam Lehmann806-561-4822 • plehmann@poka.com

Youth Club Meetings: Third Sunday of eachmonth at 5 p.m. Contact Youth Leader Ja-neece Williams 806-632-5239 for location.

Youth Leader Janeece Williams806-632-5239

jkraa5@yahoo.com

Sales AgentsLaura Cordero 806-292-9086

turpenagency@gmail.comCynthia Flores 806-729-9880

cindy_er2006@yahoo.comLeah Flores 806-293-2651

leahflores_101@hotmail.comRoxanne Garcia 806-518-4801

roxyg79072@gmail.com

Pamela Lehmann 806-535-8356plehmann@poka.com

Will Carson Lehmann 806-441-2636wcwl19@poka.com

Johnie Turpen 806-543-0433ragmando@yahoo.com

Johnie Turpen, II 806-895-4448ragmando@yahoo.com

Melissa Turpen 806-293-2651ragmando@yahoo.com

Janeece Williams 806-632-5239jkraa5@yahoo.com

LODGE 219EL PASO (4)

Lodge Meetings: Second Wednesday ofeach month at 9 a.m. Call lodge secretary formeeting location.

Secretary Edna Rivas915-727-2048 • elmireles@yahoo.com

Sales AgentsAna Ahumada, FIC 915-867-8007

anajahumada@gmail.comAna Albo-Bonilla 915-694-0846

ana.albo@lycos.comGilberto Aldaz 915-222-2016

aldazg@msn.comJesus Alvarado 915-630-6745

alvarado7905@yahoo.comSally Arreola 915-253-2235

sallyarreola@yahoo.comGloria Avilez 915-892-8529

gloriaavilez@aol.comAdolfo Chabre 915-504-5493

achabre@gmail.comDavid Corral 915-274-2451

snl092591@yahoo.comVictor Corral 915-790-7108

vmcorral@yahoo.comSandra Del Socorro Cortez 210-287-6186

sancarballo@sbcglobal.netGuadalupe Diaz de Rodriguez 720-416-9799

lupedrodriguezz@gmail.comGuillermo Dieguez 915-252-7324Margarita Duran 915-345-8719

mom3002002@yahoo.comHilda Escajeda 915-328-4915

escajedahr@yahoo.comJavier Felix 915-202-4386

javier19912@msn.comSylvia Fernandez 915-584-7697

sylviafcastaneda@gmail.comGloria Fierro 915-666-7592

gloria.fierro74@gmail.comRosa Flores 915-626-7376

rosisela512@hotmail.comAida Gonzales 915-383-0504

agonzales2006@hotmail.comGerarda Grajeda 915-926-0440

mayela0440@gmail.comIvan Grajeda 915-540-1253

grajeda.iflex@gmail.comLuis Grajeda 915-494-3399

lage62@outlook.comLuis Grajeda, Jr. 915-867-3399

lsgrajeda@yahoo.comJulian Guedea 915-926-9503

guedeag@yahoo.comDenise Guzman 915-538-6253

akai.guzman@gmail.comGloria Guzman 915-588-9815

epgguzman@yahoo.comMaria Jaime 915-887-7542

pjaime13@yahoo.comReynaldo Lopez, Jr. 915-667-3702

rlopezjr88@yahoo.comElizabeth McCue 915-203-4710

lizmccue@q.comElizabeth McKula 915-843-7578

emckula@gmail.comMariana Molina 915-892-1150

qualityautoins@gmail.comMichelle Noriega 915-241-3305

mnoriega2@yahoo.comVirginia Noriega 915-526-6984Baltazar Nunez, FIC 915-584-8484

onebestidea@yahoo.comMax Parra, Jr. 915-433-7123

maxgparra@gmail.com

2016 SPJST Life Insurance and Annuity Extra 31Jesus A. Perea 915-494-1009Rosa Ramirez 915-694-6029

rmrescarcega7@gmail.comGuadalupe Rangel 915-921-1860

guadaluperangel@msn.comJulio Rangel 915-856-3619

rangeljr7@yahoo.comJuan Reyna 915-256-4346

juanreyna56@yahoo.comJose Regalado 915-490-6040

joseregalado@yahoo.comAlejandro Rivas 915-857-7216

alex_rrivas@yahoo.comArnulfo Rivera, FIC 915-630-8074

arnulfok5@yahoo.comAlma Rodriguez 915-772-2493

rose_rodriguez16@hotmail.comBertha Rodriguez 915-217-8992Francisco Rodriguez-Rojas 915-276-0970

farodi90@gmail.comRafaela Silva 915-613-7805

trinityinsurance@rocketmail.comSergio Vazquez 915-243-9726

sergiovazquez21@hotmail.com

LODGE 229ABILENE (4)

Lodge Meetings: Second Tuesday of eachmonth at 6 p.m. Call for meeting location.

Secretary Jerry Wayne Macek325-672-0577Sales Agents

Jesusita Hudson 325-370-0573 suziqandlvh@yahoo.com

Jerry O’Briant 325-235-2671hoehand2@sbcglobal.net

Antonio Prieto, Jr. 325-340-7830tonyprieto64@yahoo.com

Kathleen Ramos 432-425-1163kathy_711up@yahoo.com

Mark Smith 325-572-4288mark7smith@hotmail.comJanice Stevens 325-537-9224

stemarjan@taylortel.netLinda Tipton 254-485-3289

tipton.ll@hotmail.com

LODGE 230MIDLAND (4)

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

Secretary Jessi Montez432-682-0191Sales Agents

Olivia Madrid 432-349-9378omadr4@aol.com

Velia Mestas 432-336-5200frankva@sbcglobal.net

Diana Ramirez 432-889-8487Jimmy Slatton 432-683-0812

speedyjscrib@yahoo.com

LODGE 232HOUSTON MIDTOWN (5)*

Sales AgentsChris Liebum, LUTCF 832-252-9413

chris@celinstx.comCecil Roberts, FIC 832-256-9483

cecrobie@sbcglobal.netRobert Solis 361-972-2420Clay Zapalac 281-750-2920

ctzapalac@gmail.com

LODGE 246MORGAN’S POINT (2)

Lodge Meetings: Second Tuesday of eachmonth at 12 noon at SPJST Home Office,520 North Main Street, Temple.

Secretary Melanie Zavodny254-534-0807 • melaniez@vvm.com

Sales AgentsTamara Gettys 254-598-2831

tamarag@spjst.comJames Hutto 325-247-5918

terry@huttoins.comJames Lee, III 254-289-6816

jameslee.three@gmail.comDon Miller 254-760-3726

don@texianinsurance.comMichael Miller 254-913-6641

mmiller10@farmersagent.comMatthew Scott Reid 254-493-9058

scottreid35@att.netMarissa Salinas 254-220-9240

marisal0525@yahoo.comMary Shockley 325-277-6467

m2sweet22@yahoo.com

LODGE 258SEGUIN (7)

Lodge Meetings: Call President ChesterJenke 830-303-4316 or Treasurer ColleenJenke 830-303-4316 for meeting date, time,and location.

Secretary Henrietta Lowak210-667-1435 • hjlowak@yahoo.com

Sales AgentsDominga Esquivel 512-396-0642

dotesquivel@hotmail.comChester Jenke, Sr., FICF 830-303-4316

jenkec@att.netColleen Jenke 830-303-4316

jenkecw1@aol.comKurt Strey 830-779-2238

kurt@streyinsurance.com 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 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 512-787-3430carol@the-insurance-team.com

William “Bill” Cleveland 512-488-2282william@the-insurance-team.com

Carlos Eureste 512-227-1949eurestelinda@yahoo.com

Linda Eureste 512-376-0104eurestelinda@yahoo.com

Milagros Eureste 512-412-2271spjstmilagros@gmail.com

Tracy Kennemer 512-227-4203tracy@the-insurance-team.com

Rufus Morales 512-804-6969rufusmorales@gmail.com

Dana Murray 512-227-1488dana@the-insurance-team.com

Gloria Peralez 512-749-5551cristal@the-insurance-team.com

Clint Roberts, FIC 512-398-6755clint@the-insurance-team.com

Kelsey Schawe 512-376-5141kelsey@the-insurance-team.com

Kenneth Schawe 512-398-4433ken@the-insurance-team.com

Carrie Staton, FIC 512-738-0801

LODGE 178, LONGVIEW (3)Sales Agents

Ronnie Ballard 903-785-0467ronnie@ballardinsurance.net

Vicki Ballard 903-785-0467vicki@ballardinsurance.net

David Cotham, Jr. 903-736-4637903-758-1966

cotham75605@yahoo.comRobert Lessmeier, II 903-452-8989

rlessmeier@gmail.comFredrick Miller, Jr. 903-639-1990

lonewolf-insurance@insurer.comLarry Quinn 903-753-8338

larrydquinn@aol.comLee Ann Shinn 903-539-3369

lashi@suddenlink.netGwendolyn Walsh 903-639-3159

talleagle426@yahoo.com

LODGE 188, CENTERVILLE (1)Sales Agents

Sharon Carrigan 979-828-5249Belinda Liner 979-280-0221

gailfbc@windstream.netRhonda Stover 979-828-5041

rsins@valornet.com

LODGE 206, TRI COUNTIES (3)Secretary Wilmer Herring

254-562-7508wilmerherring@yahoo.com

Sales AgentMelissa Pew 254-729-5005

coffee.insurance@yahoo.com

LODGE 223, PALACIOS (6)Sales Agent

Robert Solis 361-972-2420

LODGE 226, CORSICANA (3)*Sales Agents

Maci Corder 903-340-7779macicorder11@hotmail.com

Denise Brown 903-874-5242joepeg@sbcglobal.net

Doris Horne 254-722-9760dhorne822@aol.com

Oda Ruth Martin 903-425-4842odamartin@hotmail.com

LODGE 234, LULING (1)Sales Agent

Boyd Maxwell 830-875-3244rob1956@att.net

LODGE 238GOLDTHWAITE (4)*

Sales AgentKim Wesson 325-648-3065

kwesson@centex.net

LODGE 242, AMARILLO (4)*Sales Agents

Lesa Browning 940-585-4625tellgatelb@yahoo.com

Helen Lambert 940-937-2077slins79201@sbcglobal.net

LODGE 256DENVER CITY (4)*

Sales AgentsDennis Haralson 432-758-5886

dennis@moore-haralson.comSusan Leach 806-592-9184

susan.leach@mustang-insurance.com

LODGE 264, PLANO (3)*Sales Agent

Dennis Bradford, FICF 972-215-6999dbradford42@yahoo.com

LODGE 265, ODESSA (4)*Sales Agent

Stanley Huffty 432-638-1681stan_readydrill@yahoo.com

LODGE 272, DEL RIO (4)*Sales Agents

Loida Arellano 830-469-9789loidaac26@yahoo.com

Taide Blas 830-719-6899Maribel Canela 830-374-2844

mlcanela@yahoo.comLiliana R. Cedillo 830-765-8482

dlgchivas@gmail.comJuan Diego 830-719-9342

diegoj@wconline.netAyde B. Garcia 830-422-2887

monalisa_2205@hotmail.comCynthia Hargrove 830-313-2776

cindyaubry21@aol.comTammy Hyslop 830-734-1048

tammyhyslop@hotmail.comMaria Mendoza 915-920-8769

imary60@yahoo.comAntonio Morales 210-501-4751

af.morales@att.netRosa Morales 210-383-9275

rosa57@sbcglobal.netTheresa Murray 830-313-0975

tmurray3@sbcglobal.netMartin Olvera 830-298-7672Salina Raymond 210-849-4742

ins.box1@gmail.comPriscilla Tovar 210-367-6783

priscilla.tovar@gmail.comRolando Vargas 830-469-9003

rgvargas@live.com

* Lodge Not Organized

Life Insurance and More

Home Office:520 North Main Temple, Texas

800-727-7578

info@spjst.org

www.spjst.org

2016 Life Insurance and Annuity Extra -...

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