Vestnik 2014 03 19 by SPJST

Insuring & Enriching Lives Since 1897

2014 SPJST Life Insurance and Annuity Extra

Published March 19, 2014, in lieu of the Vestnik (VOLUME 102, NO. 12), the 2014 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information and of the insurance plans and annuity programs available to qualifying SPJST members and prospective members.

Table of Contents

What is a fraternal benefit society? ..............................................................................3 SPJST: An Idea in the Making.......................................................................................3 SPJST Celebrates 117 Years of Fraternalism ..............................................................4 Different types of life insurance....................................................................................5 Tips on buying life insurance ........................................................................................5 Affordable Insurance Options .......................................................................................6 Should I buy life insurance through work or on my own?.........................................6 What you should know about buying life insurance ..................................................7 How to purchase insurance: Choosing an agent ......................................................7 How to purchase insurance: Choosing a policy........................................................8 How to purchase insurance: Questions about a policy..........................................10 SPJST announces insurance annual reviews for members ...................................11 How often should I review my SPJST policy?...........................................................12 Women underestimate their family contributions by lacking sufficient life insurance.........................................................................12 SPJST Insurance Department Staff ............................................................................15 What is an annuity? .....................................................................................................16 Why should I consider purchasing an annuity? .......................................................16 How are annuities different from life insurance?......................................................17 What are the different types of annuities: fixed vs. variable ..................................17 What is the different between a fixed and variable annuity?...................................18 What are deferred and immediate annuities?............................................................18 How much should I invest in an annuity?..................................................................19 What is a “free-look” provision?.................................................................................19 What are surrender fees? ............................................................................................19 SPJST Annuities .........................................................................................................19 SPJST Youth Program Aims High...............................................................................21 SPJST Scholarships and Grants ................................................................................22 SPJST Mortgage Loan Program .................................................................................22 SPJST Supports Established, Fledgling Charities ...................................................22 SPJST Endowed and Sponsorship Scholarship Opportunities .............................23 Directory of SPJST Lodges, Youth Clubs, and Sales Agents ............................24-31 SPJST HOME OFFICE • PO Box 100 • Temple, Texas 76503 (800) 727-7578 • (254) 773-1575 • Fax: (254) 774-7447 • www.spjst.org

SPJST OFFICERS

President Brian Vanicek, FIC Office: (254) 773-1575 Mobile: (254) 534-2902 Home: (254) 985-0007 Email: vanicek@spjst.com

Vice President Gene McBride, FICF, CFFM Office: (254) 773-1575 Mobile: (254) 534-1450 Email: genemc@spjst.com

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

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

SPJST DIRECTORS

Donnie Victorick, FIC, CFFM District One P.O. Box 85 Snook, Texas 77878-0085 Home: (979) 272-3265 Mobile: (979) 224-3125 Email: dv.aggie@verizon.net

Jesse Pospisil District Two

4710 FM 1331 Taylor, Texas 76574-2164 Home: (512) 365-1110 Mobile: (512) 826-7371 Email: jlpospisil@yahoo.com

Johnnie R. Krizan District Three 11500 Heritage Pkway West, Texas 76691-2017 Home: (254) 826-5882

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

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

Bob J. Bayer, FIC District Seven 1100 Hospital Blvd Floresville, Texas 78114-2912 Home: (830) 393-9073

FRATERNAL FIELD MANAGERS

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

DISTRICTS TWO/SEVEN Hiram Dixon, FICF, LUTCF, CFFM Mobile: (254) 231-7722 Fax: (254) 501-4479 Email: hadixon2003@yahoo.com

DISTRICT FOUR Bobby Davis, FICF, CFFM Mobile: (254) 239-9153 Fax: (325) 657-2003 Email: bobbyd@spjst.com

DISTRICTS FIVE/SIX Delisle Doherty Mobile: (254) 239-9616 Fax: (281) 855-3039 Email: delisled@spjst.com

STATE FRATERNAL ACTIVITIES COORDINATOR

Frank Horak

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

STATE YOUTH DIRECTOR

Lynette Talasek

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

VĚSTNÍK

SPJST’s Weekly Member Newspaper

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

What is SPJST?

We insure and enrich lives.

What is SPJST’s vision?

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

What is a fraternal benefit society?

2014 SPJST Life Insurance and Annuity Extra

fraternal beneficiary society (“fraternal”) is a non-profit, mutual aid organization that: (1) insures members and their families against death, disease and disability, fraternal benefit societies bring together individuals with a common bond and communities and American society. The common bond between members can be based on religious beliefs, gender, occupation, ethnicity, physical condition or value system. These unique organizations, many of which have been serving their members for over 100 years, offer members a variety of “fraternal benefits,” such as scholarships, educational publications, travel opportunities and discount programs. The altruistic efforts of fraternal benefit societies are primarily funded by the sale of life insurance and other financial services products to their members. Many societies have their roots as mutual aid organizations—founded to serve the needs of immigrants and other underserved groups before the days of government and employerbased health care and retirement programs. Today, the focus of fraternal benefit societies is less about “who we are” and more on “what we do.” For instance in 2008, society members maintained and supported homes for the aged, undertook Habitat for Hu-

manity projects, provided welfare services and gave material and financial assistance to the victims of many natural disasters. All fraternal benefit societies must comply with state and federal regulations, with regard to their financial services, and must be licensed by the insurance department of the state or states in which they operate. Fraternal benefit societies are recognized as 501(c)(8), not-for-profit fraternal organizations, by the Internal Revenue Service. As the Treasury Department concluded in its 1993 study of fraternals, without the exemption, the many charitable and benevolent activities of the fraternal benefit system would be severely curtailed, with little benefit to the federal government. According to Joint Committee estimates, if the exemption were removed, federal taxes from fraternals would amount to $.5 billion over the next 10 years; but that figure pales in comparison to the $20 billion lost to the American social safety net over the same timeline due to the absence of these private sector charitable and benevolent activities performed by the fraternal benefit system. (Source: http://fraternalalliance.org/aboutalliance/our-history/)

—SPJST—

Read the Vestnik and visit www.spjst.org for up-to-date event and activity information.

SPJST: An Idea in the Making

It’s a “package deal” built upon the idea of addressing human needs.

To non-members—SPJST is a concept that is sometimes easily mis-

understood. To some, it’s merely an insurance company; to others, it’s a social club; and, finally, to others, it’s a historical and heritage society. So who’s right? At its best, SPJST embodies the characteristics of all these definitions, demonstrating that the strength lies in diversity. SPJST is a society that members can join for any number of reasons. It’s a package deal built upon the idea of addressing human needs—financial, social, and cultural. The ability to meet those needs and uphold strong human values is the mortar that holds the Society together. W h a t ’s most important to the member depends on his or her station in life. What a sevenyear-old wants from his membership is a lot different than what an 80y e a r- o l d would like to s e e . T h e sale a n d p u r chase of life insurance

is a cornerstone of membership in SPJST. SPJST offers a wide range of life insurance programs, and annuity plans designed to meet the varying needs of its members. The fraternal component of SPJST further enhances membership by emphasizing the social and civic responsibilities that members share with each other and the communities in which they live. There are few limiting fact o r s placed on l o c a l lodges and how they choose to meet their fraternal obligations. Really, what it comes down to is initiative and imagination. The guidelines which describe how the business of SPJST is to be conducted is found in the SPJST By-Laws. Reform and innovation are healthy processes, and they are what keep SPJST growing. Simply stated, SPJST is an idea that is still in the making. With a continuing commitment to its members and the communities that SPJST serves, the best is yet to come. For more information about SPJST, please contact the Home Office at (800) 727-7578, and you can be put in touch with someone in your area. Also, visit us at www.spjst.org. —SPJST—

SPJST Celebrates 117 Years of Fraternalism

2014 SPJST Life Insurance and Annuity Extra

1897 - 2014: A Colorful History, A Bright Future

Paradise on Earth To better understand SPJST and why it was established, it is important to know a little about the group’s founders and their homeland — the Czech lands of Moravia, Slovakia and Bohemia. Combined, this region represents a section of central Europe, rich in natural resources and often referred to in song and poetry as “Zemsky Raj to na Pokled” or “Paradise on Earth.” Because it was so well-endowed by natural resources, the Czech lands were among the most progressive and highly developed in Central Europe. With the establishment of the first university, Charles University, in Prague in 1348, the region also became a center of higher education. For these and other reasons, the Czech lands became an attractive prize and the target of recurring assaults by its neighbors. These attacks culminated with the Battle of White Mountain in 1620 when the Czech people were thoroughly defeated. The nation ceased to exist, and all its people were either killed or sent into exile and its wealth went to its conquerors.

Coming to America The exiled Czechs emigrated into Germany, Russia, England, and the United States. The first arrived in North America after the Battle of White Mountain, settling in New Amsterdam, which is now known as New York. Many others soon followed. They brought with them the spirit of liberty that had been crushed at White Mountain. They took great pride in this country which gave them the privilege to determine their own destiny and to bind together to achieve even greater accomplishments. Between 1834 and 1900, approximately 200,000 people of Czech descent immigrated from their native land to America. Many of those ended up in Texas. To make life more enjoyable, the Czech immigrants and their families stuck together.

Strength in Numbers In the 1880s, Czech pioneers in Texas elected to join others across the

United States in a fraternal benefit union called the CSPS, now known as the Czechoslovak Society of America (CSA). The first Texas lodge was organized April 13, 1894. At that time, the CSPS was undergoing a period of internal strife, mainly centering around disagreement over money matters. Generally stated, Texans believed that CSPS ties lay overwhelmingly in favor of eastern industrial workers, rather than in favor of the farming families of the west. Certain financial demands were not met by the CSPS, and western and Texas delegates grew disenchanted with the organization of the society. Giving up their efforts at fiscal reform, Texas Czechs shortly after 1896 decided on secession from the CSPS. And on December 28 of that year, Texas delegates gathered at La Grange and set about the task of forming a new society. After some discussion, a threemember committee was elected to draw up a set of by-laws for the new organization. The committee elected consisted of J.R. Kubena, A. Haidusek, and F. Cihal. Haidusek later gave up the job, and L.V. Vanek was named to this committee. In March of 1897, the constitution was submitted to the Texas CSPS lodges for consideration. Seven of the 25 Texas lodges approved the constitution and withdrew from the older society. These seven lodges represented the vanguard of the fledgling SPJST organization. Official records indicate that the first convention was held in La Grange on June 20, 1897, and the society started operations on July 1, 1897, with 782 members and 25 lodges. SPJST received its state charter on August 12, 1897.

The Road to Temple SPJST’s first base of operations was located in Fayetteville, Texas. The reason being that the central figure in administering the affairs of the Society, Secretary J.R. Kubena, had his personal business operations located in that city. Until his death in 1938, Kubena administered the affairs of SPJST out of a single room in his general merchandise store. It wasn’t until the early 1930s that the other officers were made full-time,

and additional office space was needed. That is when the Supreme Lodge officers rented the building housing the former Fayetteville State Bank a door or two down in October 1932 for the rental fee of $30 per month. The building served two, then three, Supreme Lodge officers until the early 1940s when the records and offices were moved to a larger building on the square in Fayetteville until the offices were moved to Temple following the 1952 Convention in Houston. The move from Fayetteville to Temple was made during the months of August and September of 1953. A decision had previously been reached to completely renovate and remodel the third floor of the Professional Building on Second Street and Central Avenue to house the officers of the Supreme Lodge. As the years passed, it became increasingly evident that adequate and suitable quarters would have to be sought elsewhere, and the solutions seemed to lie in the construction of a new building. Groundbreaking ceremonies were held on October 25, 1969, with formal dedication of the new SPJST Home Office building on the corner of Main Street and French Avenue taking place on Sunday, January 31, 1971. Society with a Purpose From the outset, SPJST lodge meetings made members feel at home and provided them with the economic security of fraternal life insurance. But, there was much more to SPJST than that . . . Through participation in lodge meetings and SPJST conventions, members learned and applied the democratic processes of their newly adopted homeland. They grew to appreciate the value of free speech and to express their opinions. Moreover, they learned how to conduct meetings and the importance of voting. Having learned and adopted these American values, SPJST members became better citizens. SPJST served its purpose well. Over the course of the next two generations, American society and lifestyles changed dramatically. Our state and our nation was becoming progressively more industrialized. At the same time, the country was becoming more urban and less rural. Many people—includ-

ing the sons and daughters of the early members—moved away from the farms and into the towns and cities. In many cases, they took SPJST with them. Thus, it was during this time that many of our urban lodges were established. It was also during this time, in 1953, that SPJST headquarters moved its state headquarters to Temple. Once again, SPJST had an important mission to fulfill—to provide its members with identity and support at a time when life in America was becoming increasingly impersonal and unstable. The society served its purpose well. The legacy of these days—the S.P.J.S.T. Rest Homes, youth program, and various cultural enrichment programs including the SPJST Library, Archives and Museum—are with us today.

Looking Ahead Achieving success in the future remains an exciting prospect. Just as SPJST’s forefathers learned to adjust, SPJST is responding to meet the needs of its members in these changing times. From a financial perspective, SPJST offers its members a full line of life insurance programs, annuities, and related member benefits, including home, business, and farm and ranch loans. One of the most significant fraternal developments in SPJST over the past decade has been the increase in volunteerism and human service projects. In lodges all over the state, members are committing their time and energy in support of worthwhile causes, helping people in need by working in hospitals, senior citizen homes, and raising money for many causes, including scholarships, food banks, volunteer fire departments, drug abuse programs, and various charities. They are taking the best that SPJST has to offer—a tradition of helping people to care for their families—and are extending it to their communities. In light of all these things, there is indeed great promise for the future of fraternalism and SPJST. —SPJST—

2014 SPJST Life Insurance and Annuity Extra

Different types of life insurance

Tips on buying life insurance

The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

Make sure that you fully understand any policy you’re considering and that you’re comfortable with the company, agent, and product. Most states require insurers to provide a buyer’s guide to explain life insurance terms, benefits, and costs. Ask your agent for a copy of the life insurance company’s guide and follow the tips below:

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

What is permanent insurance? Permanent (cash value) insurance provides lifelong protection as long as premiums are paid. It may build up cash value over time, which grows tax deferred. With all permanent policies, the cash value is different from the face amount. The face amount is the money that will be paid to your beneficiary if you die. Cash value takes time to grow. But after you’ve held the policy for several years, its cash value can offer you several options:

• You can borrow from the insurer using your cash value as collateral. • You can get the loan even if you don’t have a good credit history. If you don’t repay the loan (including interest), it will reduce the amount paid to your beneficiaries after your death. • You can use the cash value to pay your premiums or to buy more coverage. • You can exchange the policy by using the cash value for an annuity that will provide a steady stream of retirement income for life or a specified period. • You can cancel (surrender) the policy and receive the cash value in a lump sum. You will pay taxes on the value that exceeds what you’ve paid in premiums.

Basic types of cash value insurance Whole life offers premiums that generally stay fixed over the life of the policy, a fixed death benefit, and cash value that grows at a fixed rate of return. Universal life gives you flexibility in setting premium payments and the death benefit. Changes must be made within certain guidelines set by the policy; to increase a death benefit, the insurer usually requires evidence of

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

What is term insurance? Term insurance provides protection for a defined period of time—from one year to 10, 20, or even 30 years—and pays benefits only if you die during that period. Term insurance is often used to cover financial obligations that will disappear over time, such as tuition or mortgage payments. Premiums for term insurance either can be fixed for the length of the term or can increase at a point specified in the policy. They also can be less expensive than for a cash value policy. Some term policies can be renewed at the end of a term. However, premium rates will usually increase upon renewal. To qualify for renewal at the lowest rates, many policies require evidence of insurability (continued good health). At the end of a term, you also may be able to convert the policy to a permanent policy. Term policies don’t usually build up a cash value. What are the advantages and disadvantages of each type of insurance?

Cash Value Insurance Advantages • Lifelong protections as long as the premiums are paid. • Premium costs that can be fixed or flexible to meet individual financial needs. • Cash value, which can be: used to pay premiums or buy more coverage; borrowed against; converted to an annuity; or surrendered for cash.

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

Term Insurance Advantages • A policy can cover financial obligations that will disappear over time, such as a mortgage or college expenses. • Premiums are generally lower than those for cash value insurance at younger ages.

Term Insurance Disadvantages • Provides protection for a specific period of time, not for life. • Renewing coverage at the end of the term generally means premiums will increase. • Policies don’t usually build up a cash value. Source: American Council of Life Insurers, www.acli.com

—SPJST—

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

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

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

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

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

• Visit www.acli.com for more consumer resources and information about life insurance. Source: American Council of Life Insurers, www.acli.com

—SPJST—

2014 SPJST Life Insurance and Annuity Extra

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

Are you and your family adequately covered? Un-

less you deal with life insurance regularly, it can be an intimidating and sometimes difficult subject to discuss. If you haven’t purchased insurance in a while, you may be surprised at the many affordable life insurance options available through your local SPJST sales agent. The following list provides a brief summary of the insurance options that are available:

Estate Builder. The gift for the future. This inexpensive term provides youth ages 0 to 18 with $10,000 of coverage for a one-time payment of $100 per unit (maximum of two units). At age 25, SPJST will offer to convert the term coverage to five times the original face amount, regardless of health.

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

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

20-Year Term. Level premiums for 20 years (guaranteed level for 10). Issued to ages 18 through 65. Just the thing for young families to provide benefits for the family while the children are growing up if the breadwinner dies. Convertible to permanent coverage prior to age 65 with no health requirements.

30-Year Term. A very sensible term product! Premiums are level for 30 years (guaranteed level for 20). Issued to ages 18 through 55. It is excellent for mortgage cancellation as well as providing inexpensive coverage before retirement. Convertible to permanent coverage prior to age 65 with no health requirements. Whole Life. A whole life product designed for both young and mature applicants that offers affordable premiums and builds cash value.

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

Paid Up at 65 Whole Life. You are covered to age 100, but you only pay premiums to age 65. Cash values are available and continue to grow to age 100. Enjoy your retirement without life insurance premiums!

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

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

Single Pay Whole Life. A whole life product available with just one premium. The certificate is then paid-up. Issued to ages 0 through 80.

Whole Life Universal Life 3. Flexible premium adjustable Universal Life insurance contract with guaranteed coverage, subject to the payment of minimum no-lapse guarantee premiums on a cumulative basis. Available to ages 0 to 80 years. Universal Life 3. A flexible protection plan issued to ages 0 through 80 which offers both a guaranteed and current interest rate on the cash value accumulation.

Annuities. Both qualified (IRA) and non-qualified are offered to SPJST members. Interest rates are posted every week in SPJST’s weekly newspaper, Vestnik. For current rates, contact the SPJST Home Office, 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 other times, it may take an additional visit since the sales agent may need to spend some time assessing the information you provide in the initial meeting before he or she can recommend the appropriate life insurance solution. For more information on the life insurance options available to you, please contact your local lodge sales agent. If you’re not sure who that is, call the SPJST Insurance Department at (800) 727-7578, and you will be put in touch with a sales agent in your area. See pages 24 through 31 for a listing of agents. —SPJST—

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

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

Buying through work. Typically, your employer's "basic" life insurance benefit provides coverage equal to one or two times your annual income. Many employers offer the option of purchasing supplemental coverage, often through an automatic payroll deduction. This is convenient, and you may be able to obtain the extra coverage at a higher rate without having to answer any questions about your health, a big plus if insurability is a concern. SPJST is here to help you with what you need.

Buying on your own. You can choose from among a wide variety of SPJST products, and you never need to worry about losing coverage if you change jobs. You also may be able to get coverage more affordably. Why? When you buy on your own, the price depends on your health and can be permanent. In a work plan, the rate often depends on the health status of employees in your age bracket and is usually temporary or until retirement age. Call us for more information (800) 72-SPJST. —SPJST—

2014 SPJST Life Insurance and Annuity Extra

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

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

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

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

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

How much life insurance do I need? Everyone’s needs are different. A life insurance agent or financial advisor can help you determine what level of protection is right for you and your family based on your financial responsibilities, sources of income, and savings. There are online calculators that also can help you; however, sitting down with an insurance professional to review your financial information can give you a more personalized view of your needs. In general, deciding how much life insurance you need means calculating the total income that would need to be replaced upon your death to help pay for your family’s financial needs. Consider ongoing expenses (day care, tuition, rent, or mortgage), immediate expenses (medical bills, burial costs, and estate taxes), and long term financial goals (savings for college education and retirement). Your family also may need money to pay for a move or to cover daily expenses during a job search. While there is no substitute for evaluating needs based on your own financial information, some experts suggest that if you own a life insurance policy it should pay a benefit equal to seven to 10 times your annual income. Your needs could be higher or lower depending on your unique situation. Source: American Council of Life Insurers, www.acli.com

—SPJST—

How to purchase insurance: Choosing an agent

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

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

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

What types of questions will I be asked? In addition to questions about finances, be prepared to answer questions about your age, medical condition, family medical history, personal habits, occupation, and recreational activities. Always answer questions truthfully; a company will use this information to evaluate your risk and set a premium for your coverage. For instance, you’ll pay a lower premium if you don’t smoke; on the other hand, if you have a chronic illness, you can expect a higher premium. When it’s time to submit a claim, the accurate and truthful answers you provided to the agent will enable your beneficiary to receive prompt and full payment. When you apply for life insurance, you may be asked to take a medical exam. In many instances, a licensed healthcare professional hired and paid for by the life insurance company will make a personal visit to your home to conduct the exam. —SPJST—

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

—Author, Financial Speaker, and Life Insurance Sales Agent Howard Wight, CLU, ChFC For 117 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. Providing personal service backed by a seasoned and knowledgeable Home Office staff and insurance representatives dedicated to quality member services with fraternal ideals.

Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices. SPJST • PO Box 100 • Temple, Texas 76503 • Home Office at 520 North Main Street in Temple • (800) 727-7578 • www.spjst.org

2014 SPJST Life Insurance and Annuity Extra

How to purchase insurance: Choosing a policy Examining a Policy

How do I know if a life insurance policy is right for me? Read the policy carefully to make sure it meets your personal goals. Because your policy is a legal document, it’s important that you understand exactly what it provides. Ask for a pointby-point explanation for anything that is unclear and make sure the agent explains items you don’t understand. If your agent recommends a cash value policy, ask: • Are the premiums within my budget? • Can I commit to these premiums over the long term?

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

If you’re considering a term policy, ask: • How long can I keep this policy?

If I want to renew it for a specific number of years, or until a certain age, what are the renewal terms? • Will my premiums increase? If so, will increases start annually or after five or 10 years?

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

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

Is a policy illustration a legal document, like a contract? A policy illustration is not part of the life insurance policy and is not a legal document. Legal obligations are spelled out in the policy contract. A policy illustration, however, can help you understand how a policy works. What is in a policy illustration? A policy illustration is meant to provide an example, based on certain assumptions, of how a policy’s costs and benefits may develop over time—including, but not limited to, premium amounts owed, cash values, and death benefits. For a term policy, the illustration extends to the end of the term. With a cash value policy, the illustration extends past your 100th birthday. Your actual costs and benefits could be higher or lower than those in the illustration be-

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Estate Builder Product Overview

Benefit Description Juvenile term insurance for young members ages 0 to 18 years. Premium based on 1 unit or 2 units of insurance. Each unit provides $10,000 of insurance protection. At age 25, SPJST will offer to convert the term coverage to five times the original face amount, regardless of health.

Minimum Amount $10,000 (sold in units of $10,000 with a maximum of 2 units)

Maximum Amount $20,000 (sold in units of $10,000 with a maximum of 2 units)

Issue Ages: 0 to 18 years

Premiums: 1 unit ($10,000) = $100 one-time payment 2 units ($20,000) = $200 one-time payment

Riders: None

cause they depend on the future financial results of the insurance company. However, when figures are guaranteed, the insurance company will honor them regardless of its financial success. Ask your agent which figures are guaranteed and which are not. A policy illustration can be complicated. Your agent or financial advisor can explain information you don’t understand.

What should I look for in a policy illustration? Study the policy illustration to answer the following:

• Is my classification (i.e., smoker/nonsmoker, male/female) correct? • When

are

premiums

due—

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 10-Year Term Product Overview

Benefit Description The 10-Year Term has level premiums and death benefit for 10 years. After the initial 10-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term). Minimum Amount: $25,000

Minimum Premium: $10 per month

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

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

*Preferred ratings not available for issue ages above 70. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). Issue Ages: 18 to 75 years

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

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

monthly, annually, or according to some other schedule?

• Which amounts are guaranteed and which are not?

2014 SPJST Life Insurance and Annuity Extra

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

• • • TERM LIFE INSURANCE PRODUCT • • •

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

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

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 15-Year Term

SPJST 20-Year Term

Product Overview

Benefit Description The 15-Year Term has level premiums and death benefit for 15 years. After the initial 15-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term). Minimum Amount: $25,000

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

Minimum Amount: $100,000

Minimum Premium: $10 per month

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

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

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

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

Issue Ages: 18 to 70 years

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

Issue Ages: 18 to 65 years

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

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

2014 SPJST Life Insurance and Annuity Extra

After Purchase After purchasing your life insurance policy, keep it with other financial records or legal papers, or anywhere your survivors are likely to look for it if

• • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST 30-Year Term Product Overview

Benefit Description The 30-Year Term has level premiums and death benefit for 30 years. After the initial 30-year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term). Minimum Amount: $100,000

Minimum Premium: $10 per month

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis. Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). Issue Ages: 18 to 55 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion. Premium Benefit Options 20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. The premium may change after the 20th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 30 years, if the certificate is still in force, premiums will increase annually. 30-Year Guarantee - The premium is guaranteed for the first 30 certificate years. After 30 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

they need to file a claim. As a precaution, you shouldn’t store a life insurance policy in a safe deposit box. In most states, boxes are sealed temporarily upon one’s death, this could delay the claims process. Keep your agent’s name and contact information easily accessible. The agent can help your beneficiaries fill out the necessary forms and act as an intermediary with the insurance company. Review your life insurance policy from time to time to be certain it continues to meet your needs as your circumstances change, such as the birth of a child, a job promotion, divorce, remarriage or retirement. Also, review it to ensure your beneficiaries are correctly named. —SPJST—

How to purchase insurance: Questions about a policy

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

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

SPJST Whole Life Product Overview

Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum. Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings not available for issue ages above 70 or under 18. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine

• Standard Nicotine

Issue Ages: 0 to 80 years

Riders: Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60. Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

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

In addition to the death benefit, are there other features I should be aware of when considering a life insurance policy? Many policies offer purchase options or riders. Some riders let you buy more insurance without taking a medical exam; others waive premiums if you become disabled. Some policies offer an accidental death benefit that pays an additional amount if death occurs as a result of an accident. If you

2014 SPJST Life Insurance and Annuity Extra

decide to buy a policy, find out when the insurance becomes effective. That date may be different from the date the policy is issued.

When will my policy take effect? If you decide to buy a policy, find out when the insurance becomes effective. That date may be different from the date the policy is issued.

How is life insurance taxed? Your beneficiaries will not pay income taxes on death benefits. If you own a cash value policy, you won’t pay income taxes on the cash value unless you cancel the policy and withdraw the money. Then you’ll pay taxes on the amount that exceeds what you’ve paid in premiums. —SPJST—

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

SPJST Paid Up at 65 Whole Life Product Overview

Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable to age 65.

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

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

Issue Ages: 0 to 55 years

Riders Accidental Death Benefit - Issue ages 0 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

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

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

SPJST Announces Insurance Annual Reviews for Members

Thank you for your membership in SPJST. You are a valued part of what makes SPJST a great organization that provides benefits, coverage and services. These are all designed to not only provide security and peace of mind to you and your family but to provide a better quality of life with others who value faith, family and community. As part of our continued and valued service to our members, SPJST has implemented a program to ensure that your certificate information, such as named beneficiary and insurance coverage, is correct and up-to-date. By reviewing and knowing that your information is current, you can be assured that you are receiving the full value of your membership, and you have peace of mind that your loved ones will receive the care they deserve. Your Fraternal Field Manager or local SPJST lodge agent may contact

you or you can even contact them or the Home Office. Please take advantage of this service. SPJST has the most competitive insurance products, annuities and IRAs to meet each family need along with being a fraternal society that recognizes its proud heritage and believes strongly in its youth by teaching patriotism, good citizenship, teamwork and leadership. And, if you have recommendations for new lodge members, please share them with your Fraternal Field Manager or local SPJST lodge agent. Your name will be entered in SPJST’s monthly drawing contest. For 117 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. All this is possible because of you, our member. If you have questions or need our assistance in any way from the Home Office, please call on us at (800) 72-SPJST or (800) 7277578. We are here to help you.

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

SPJST Final Expense

Level Benefit and Increasing Benefit Product Overview

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

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

Minimum Amount: $5,000

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

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

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

Underwriting • Simplified underwriting with three-tiered Final Expense application. • Telephone interview required. • Level Benefit Plan may be issued if no health issues in parts B, C, or D of application.

2014 SPJST Life Insurance and Annuity Extra

How Often Should I Review My SPJST Certificate?

You should review all of your insurance needs at least once a year with your SPJST agent. If you have a major life event, you should contact your SPJST agent or the SPJST Home Office. This event in your life may have a significant impact on your insurance needs. Life events or changes may include: • Marriage

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

• Significant changes in your health or that of your spouse

• Death of your spouse • Divorce

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

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

• Coming into an inheritance

SPJST is here to help you throughout life and life’s events. Call us at (800) 72-SPJST. —SPJST—

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

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 minimum.

Issue Ages: 0 to 70 years

Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

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

Women underestimate their family contributions by lacking sufficient life insurance

Women contribute to their families’ economic well-being whether working outside or inside the home. Yet many have yet to realize that their purchase of a life insurance policy would have a significant impact on the quality of their family’s lifestyle if they were to die, says the Insurance Information Institute (I.I.I). According to a national poll by wholesaleinsurance.net, 43 percent of adult women have no life insurance. Among those that are insured, many are severely underinsured, carrying roughly onefourth of the amount that would likely be needed by their life insurance policies’

beneficiaries. Indeed, women who are a family’s primary breadwinner carry 31 percent less life insurance than their male counterparts, even as a growing number of women earn as much, if not more, than their husbands. In 2007, 25.9 percent of wives were earning more than their husbands in households where both spouses work, according to the most recent data available from the Bureau of Labor Statistics. That’s up from 17.8 percent two decades earlier. “Ironically, 100 years ago women weren't even able to buy life insurance,” said Loretta Worters, vice president with the I.I.I. “Today, women can protect their finances, but they aren’t buying the coverage or, if they are, it isn’t enough.” Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

1. Replace income for dependents If people depend on your income, life

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

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 medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine • Standard Nicotine

Issue Ages: 0 to 60 years

2014 SPJST Life Insurance and Annuity Extra

What SPJST Whole Life Insurance Can Do for You and Your Family at Retirement Retirement has its rewards and benefits. However, employment benefits usually stop. SPJST can prepare you and your family for the rewards and benefits of retirement without sacrificing permanent insurance coverage. Affordability, security, and a permanent benefit completely paid in full is what a Paid Up at Age 65 Whole Life Insurance certificate can do for your peace of mind. Paid Up at Age 65 Whole Life Insurance Example Male, 34 Female, 34 Standard Non-Nicotine Standard Non-Nicotine $100,000 coverage $100,000 coverage $97.41 per month $84.58 per month

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

insurance can replace that income for them if you die. The most commonly recognized cases are parents with young children. However, this can also apply to couples in which the survivor would be

financially stricken by the income lost through the death of a partner and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your

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

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 life insurance. • Guaranteed cash and loan values are immediately available. • No surrender charge, should you decide to cash in the certificate at any time. • The SPJST Single Pay Whole Life plan retains those tax-favored features that have always made traditional life insurance so valuable. • Your cash values increase on a tax-deferred basis. • The face amount of a certificate is payable to your beneficiary income taxfree. • Among others, the SPJST Single Pay Whole Life plan will be of special interest to new members who want to pay only one insurance premium; parents and grandparents; members who want to buy additional permanent insurance at low premium rates; anyone wishing to make a gift of life insurance to a college, church, charitable organization, or to an individual.

Minimum Amount: $5,000

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

Issue Ages: 0 to 80 years Riders: None

income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

2. Pay final expenses Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. 3. Create an inheritance for your heirs Even if you have no other assets to pass on to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

4. Pay federal “death” taxes and state “death” taxes Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes.

5. Make significant charitable contributions By making a charity the beneficiary of your life insurance policy, you make a much larger contribution than if you donate the cash equivalent of the policy’s premiums.

6. Create a source of savings Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the policyholder’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind

of forced savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

7. Replace services of a primary caregiver. Managing the house, caring for the kids and in many cases caring for elderly parents, can be costly, and a life insurance policy’s proceeds, if substantial enough, can continue to pay caregiver-related expenses for years. The same concept applies to stay-athome moms. While they aren’t bringing home a salary, they have tremendous economic value, which often goes unnoticed in terms of the support they give to their family, the I.I.I. noted.

“What would happen to the family if the Mom weren’t around? Who would manage the day to day housekeeping, the laundry, driving kids to and from their sports activities?” said Worters. “It would cost a small fortune to even try to replicate that care. A life insurance policy can help cover those expenses.” Single women with no dependents may want to consider life insurance as well. Depending on the type of life insurance purchased, a policy can also be a forced savings vehicle. Women are, as a group, living longer than ever before, and the need for sufficient retirement income is crucial. A cash value life insurance policy, for example, can help accumulate funds on a tax-advantaged basis to supplement other retirement income.

(Source: Insurance Information Institute, http://www.iii.org/press_ releases/women-underestimate-theirfamily-contributions-by-lacking-sufficient-life-insurance.html) —SPJST—

2014 SPJST Life Insurance and Annuity Extra

• • • UNIVERSAL LIFE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST

SPJST Whole Life/Universal Life 3

SPJST Universal Life 3

Product Overview

Benefit Description Flexible premium adjustable universal life insurance contract with guaranteed coverage for the no-lapse guarantee period, subject to the payment of minimum no-lapse guarantee premiums on a cumulative basis. Contains two volume bands: Underwriting Classifications: • Preferred Non-Nicotine • Standard Non-Nicotine • Standard Nicotine

Death Benefit: Level Death Benefit

Minimum Premium: $15 per month

Interest Rate Through 04/30/2014 Whole Life/Universal Life 3 (plans 1223-1232 with a guaranteed rate of 2.50%) Credited Rate: 3.50%

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

Maturity Age: Age 121 (matures for cash value)

Per Certificate Expense Charge $4 per month during years 1 to 20 on a current basis $4 per month all years on a guaranteed basis Per $1,000 Expense Charge Varies by age, sex, class, and band Applied monthly in years 1 to 20 on a current basis. Applied monthly in all years on a guaranteed basis.

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

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

Premiums The no-lapse guarantee premiums assure that the certificate will remain in force for the lifetime of the insured. As long as the accumulation of the premiums paid at any point in time (minus certificate loans and withdrawals) equals or exceeds the minimum premiums due at that point in time, the certificate is prevented from lapsing. An additional premium is required for an optional rider. Surrender Charges A surrender charge applies during the first 18 certificate years and is zero thereafter. Surrender charges are an amount per $1,000 of specified amount which varies by issue age, gender, underwriting classification, and certificate year.

Guaranteed Interest Rate: 2.50%

Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday. Waiver of Premium - Issue ages 18 to 55 years; the Society credits a payment amount to the certificate each month for period of disability if insured is totally disabled prior to age 60. The payment amount is equal to the Total Guaranteed No-Lapse Monthly Premium.

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

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

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

Interest Rate Through 04/30/2014 Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 2.75%

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

Minimum Premium:

$15 per month

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

Certificate Fee: Low Band: $5 per month High Band: $4 per month

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

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

Minimum Premiums During the no-lapse period, the certificate is guaranteed not to lapse if at least the minimum no-lapse premium is paid and remains in the certificate. If only the minimum premium is paid, the certificate is only guaranteed to stay in force for 5 years.

No-Lapse Period: 5 years

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

Guaranteed Interest Rate: 2.50%

Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday. Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly cost of insurance and riders plus administrative costs for period of disability if insured is totally disabled prior to age 60.

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

2014 SPJST Life Insurance and Annuity Extra

12 Years Service

48 Years Service

6 Years Service

Lori Slack

Underwriting Assistant

Lisa Mills

Administrative Assistant to the Vice President

Doris Tyroch Certificate Issue Technician

9 Years Service

Delisle Doherty

Fraternal Field Manager Districts Five and Six

Philip (Phil) McBee FICF, CFFM Fraternal Field Manager Districts One and Three

Doni Powell Underwriter

Susan Shofner Customer Service Specialist

SPJST Home Office 520 North Main Street Temple, Texas www.spjst.org

10 Years Service

Executive Assistant to the Vice President

Insurance Technician

Fraternal Field Manager Districts Two and Seven

6 Years Service

Cynthia Hutka

Karen Franklin

Hiram Dixon FICF, LUTCF, CFFM

14 Years Service

Fraternal Field Manager District Four 28 Years Service

Supreme Lodge Vice President

Bobby Davis FICF, CFFM

14 Years Service

Gene McBride FICF, CFFM

4 Years Service

7 Years Service

6 Years Service

36 Years Service

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

Donica Zabcik

New Business Marketing and Research Technician

Contact Information Mailing Address: PO Box 100 Temple, TX 76503-0100 Delivery Address: 520 N Main St Temple, TX 76501-3247 Toll Free Phone: (800) 727-7578 Temple Area Phone: (254) 773-1575 General Fax: (254) 774-7447 Insurance Department Fax: (254) 774-1456 Vestnik Fax: (254) 773-8087 General Email: info@spjst.org

2014 SPJST Life Insurance and Annuity Extra

What is an annuity?

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

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

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

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

• Tax status – qualified or nonqualified

• Premium payment arrangement – single premium or flexible premium. An annuity can be classified in several of these categories at once. For example, you might buy a nonqualified single premium deferred variable annuity. In general, annuities have the following attractive features:

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

Protection from creditors If you own an immediate annuity (that is, you are receiving money from an insurance company), generally the most that creditors can access is the payments as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities. And your money in tax-favored retirement plans, such as IRAs and 401(k)s, are generally protected, whether invested in an annuity or not.

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

Why should I consider purchasing an annuity? Annuities can serve many useful purposes. If you are in a saving-money stage of life, a deferred annuity can:

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

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

pecially if you started saving for retirement late or had contributions interrupted—perhaps due to job changes and/or family responsibilities. Moreover, your social security and definedbenefit pension (if you have one) may provide less than you need to retire. Remember that the purchasing power of defined-benefit pension income is eroded by inflation.

• Help you diversify your investment portfolio. Investment experts routinely

If you buy a variable annuity, your money can be invested in stock or bond (or other) mutual funds. In recent years, annuity companies have created various types of “floors” that limit the extent of investment decline from an increasing reference point. For example, the annuity may offer a feature that guarantees your investment will never fall below its value on its most recent policy anniversary. Tax-free transfers among investment options In contrast to mutual funds and other investments made with “after-tax money,” with annuities there are no tax consequences if you change how your funds are invested. This can be particularly valuable if you are using a strategy called “rebalancing,” which is recommended by many financial advisors. Under rebalancing, you shift your

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

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

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

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you “rebalance” to the original formulation, by shifting funds from the classes that have grown faster to the ones that have grown more slowly. If you do this with mutual funds, you pay capital gains taxes; if you do it in a variable annuity, you don’t pay capital gains taxes. When you eventually withdraw money from the annuity (which could be many years after the rebalancing), you pay tax then at the ordinary income rate. If you are in a need-income stage of life, an immediate annuity can: • Help protect you against outliving your assets. Social security pays retire-

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

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

2014 SPJST Life Insurance and Annuity Extra

the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities.

How are annuities different from life insurance? Both annuities and life insurance should be considered in your long-term financial plan. While both include

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

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

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

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

Comparing Deferred and Immediate Annuities

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

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

In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth of the annuity’s value and/or the benefits paid may be fixed at a dollar amount or by an interest rate, or they may grow by a specified formula. The growth of the annuity’s value and/or the benefits paid does not depend directly or entirely on the performance of the investments the insurance company makes to support the annuity. Some fixed annuities credit a higher interest rate than the minimum, via a policy dividend that may be declared by the company’s board of directors, if the company’s actual investment, expense and mortality experience is more favorable than was expected. Fixed annuities are regulated by state insurance departments. Money in a variable annuity is invested in a fund—like a mutual fund but one open only to investors in the insurance company’s variable life insurance and variable annuities. The fund has a particular investment objective, and the value of your money in a variable annuity—and the amount of money to be paid out to you—is determined by the investment performance (net of expenses) of that fund. Most variable annuities are structured to offer investors many different fund alternatives. Variable annuities are regulated by state insurance departments and the federal Securities and Exchange Commission.

Types of Fixed Annuities An equity-indexed annuity is a type of fixed annuity, but looks like a hybrid. It credits a minimum rate of interest, just as a fixed annuity does, but its value is also based on the performance of a specified stock index—usually computed as a fraction of that index’s total return. A market-value-adjusted annuity is one that combines two desirable features—the ability to select and fix the time period and interest rate over which your annuity will grow, and the flexibility to withdraw money from the annuity before the end of the time period selected. This withdrawal flexibility is

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

2014 SPJST Life Insurance and Annuity Extra

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

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

Deferred vs. immediate annuities A deferred annuity receives premiums and investment changes for payout at a later time. The payout might be a very long time; deferred annuities for retirement can remain in the deferred stage for decades. An immediate annuity is designed to pay an income one time-period after the immediate annuity is bought. The time period depends on how often the income is to be paid. For example, if the income is monthly, the first payment comes one month after the immediate annuity is bought.

Fixed period vs. lifetime annuities A fixed period annuity pays an income for a specified period of time, such as 10 years. The amount that is paid doesn’t depend on the age (or continued life) of the person who buys the annuity; the payments depend instead on the amount paid into the annuity, the length of the payout period, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the pay-out period. A lifetime annuity provides income for the remaining life of a person (called the “annuitant”). A variation of lifetime annuities continues income until the second one of two annuitants dies. No other type of financial product can promise to do this. The amount that is paid depends on the age of the annuitant (or ages, if it’s a two-life annuity), the amount paid into the annuity, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the expected pay-out period. With a “pure” lifetime annuity, the payments stop when the annuitant dies, even if that’s a very short time after they began. Many annuity buyers are uncomfortable at this possibility, so they add a guaranteed period—essentially a fixed period annuity—to their lifetime annuity. With this combination, if you die before the fixed period ends, the income continues to your beneficiaries until the end of that period.

• Conservative investors who value safety and stability.

Qualified vs. nonqualified annuities A qualified annuity is one used to invest and disburse money in a tax-favored retirement plan, such as an IRA or Keogh plan or plans governed by Internal Revenue Code sections, 401(k), 403(b), or 457. Under the terms of the plan, money paid into the annuity (called “premiums” or “contributions”) is not included in taxable income for the year in which it is paid in. All other tax provisions that apply to nonqualified annuities also apply to qualified annuities. A nonqualified annuity is one purchased separately from, or “outside of,” a tax-favored retirement plan. Investment earnings of all annuities, qualified and non-qualified, are tax-deferred until they are withdrawn; at that point they are treated as taxable income (regardless of whether they came from selling capital at a gain or from dividends).

Single premium vs. flexible premium annuities A single premium annuity is an annuity funded by a single payment. The payment might be invested for growth for a long period of time—a single premium deferred annuity—or invested for a short time, after which payout begins—a single premium immediate annuity. Single premium annuities are often funded by rollovers or from the sale of an appreciated asset. A flexible premium annuity is an annuity that is intended to be funded by a series of payments. Flexible premium annuities are only deferred annuities; that is, they are designed to have a significant period of payments into the annuity plus investment growth before any money is withdrawn from them. (Source: Insurance Information Institute, http://www.iii.org/articles/what-are-the-different-types-of-annuities.html)

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• Those nearing retirement age who want to shelter their assets from the volatility of the stock or bond market. With variable annuities, you can invest in a variety of securities including stock and bond funds. Stock market performance determines the annuity's value and the return you will get from the money you invest. The amount of risk you are willing to assume should

influence the kind of funds you select.

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

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

• Young and want to prepare financially for retirement by reaping the gains in the stock or bond market over the long term. (Source: Insurance Information Institute, http://www.iii.org/articles/what-is-the-difference-between-a-fixed-and-variableannuity.html)

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

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

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

Immediate Annuity This allows you to convert a lump sum of money into an annuity so that you can immediately receive income. Payments generally start about a month after you purchase the annuity. This type of annuity offers financial security in the form of income payments for the rest of your life. In other words, you cannot outlive it.

Immediate annuities allow you to:

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

• Pay taxes only on the portion of your immediate annuity payments that is considered earnings. You are not taxed on the portion that is principal. The principal is the initial deposit made with funds that have already been taxed.

Like deferred annuities, immediate annuities can be fixed or variable. Fixed immediate annuity income payments are pegged to the amount you contribute, your age and the interest rate at the time of purchase. Those payments to you will not go up or down. Variable immediate annuity payments vary with the investments you chose. (Source: Insurance Information Institute, http://www.iii.org/articles/what-are-deferredand-immediate-annuities.html)

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2014 SPJST Life Insurance and Annuity Extra

How much should I invest in an annuity? Unlike a 401(k) or an IRA, there are no limits on the amount that you can invest in an annuity. Whether you’re considering a deferred or immediate annuity, the amount of money you should consider putting into an annuity depends on: • Your immediate actual and potential financial needs • Your long-term financial goals

• Your current savings/investment portfolio

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

cial needs. If you’re buying a deferred annuity and you have a sudden need for cash, you can usually withdraw a small amount without penalty. However, you’ll likely pay a penalty if you make a large withdrawal within a few years after you’ve bought the annuity. If you’re buying an immediate annuity, you usually can’t get any more than the regular payments, no matter how badly you need cash. However, if you have other sources of cash that are sufficient for any emergency or unforeseen needs, then the immediate needs criterion is satisfied and the other criteria become more important. (Source: Insurance Information Institute, http://www.iii.org/articles/how-much-should-iinvest-in-an-annuity.html)

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What is a “free-look” provision?

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

stockbroker any additional questions and make a final decision as to whether the annuity you selected was right for you. (Source: Insurance Information Institute, http://www.iii.org/articles/what-is-a-free-lookprovision.html)

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What are surrender fees?

If you take money out of an annuity, there may be a penalty called a surrender fee or a withdrawal charge. This fee is higher if you withdraw funds within the first years of an annuity contract. The penalty, however, drops gradually each year. Since immediate annuities are purchased to provide income, they usually can’t be “surrendered” and will therefore not be subjected to a fee. A typical surrender fee schedule could be: • 7 percent if you withdraw funds in the first year, • 6 percent in the second year, • 5 percent in the third year, • 4 percent in the fourth year, • 3 percent in the fifth year, • 2 percent in the sixth year, • 1 percent in the seventh year, and • 0 in the eighth year and beyond.

The purpose of the fee is to allow the insurer enough time to recover its expenses, largely commissions, in setting up the annuity contract. It also serves to discourage annuity buyers from using deferred annuities as shortterm investments for quick cash. Some contracts may permit you to pull out a portion of the funds annually, usually up to 10 percent without a surrender charge. If this option is important to you, ask your insurance agent or company representative about this before deciding to invest your money in a specific annuity. Also, ask if there may be any other fees or charges. (Source: Insurance Information Institute, http://www.iii.org/articles/what-are-surrenderfees.html)

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

What is an SPJST Annuity? An annuity is a contract between the member and SPJST. The object of an annuity is cash accumulation. Annuities are not life insurance. An annuity has a beneficiary provision, but the only benefit paid at death is the total of the funds accumulated at that point, unless other provisions have been made. The member contributes funds to the SPJST annuity in lump sums or premiums over time. These funds accumulate tax-deferred compound interest until a specified maturity date. At maturity, the member can receive the funds either in a lump sum, payments over a certain time period, or even equal payments guaranteed for the rest of the member’s life.

Two Types of Annuities are available: Deferred or Immediate. Deferred annuities enable the member to contribute funds through tax-deferred accumulation over a period of time. This is called the accumulation period. The accumulation period continues until the maturity date, at which time the payout period begins. The maturity date is usually set at age 65 or later, but can be changed at any time. After the maturity date, the payout period is when SPJST distributes the accumulated funds to the member according to the member’s wishes, whether it is a lump sum, distributions for a set period of time, or lifetime options that the member cannot outlive. SPJST has three deferred annuities: Flexible Premium Annuity 5-Year Annuity 10-Year Annuity

The Flexible Premium Annuity accumulates interest that is reviewed quarterly, but can never go below a guaranteed minimum rate. The 5-Year Annuity and 10-Year Annuity have guaranteed locked-in rates for a full five years or 10 years. Immediate annuities work just like deferred annuities except there is no accumulation period. The member contributes a lump sum of funds ($10,000 minimum), and the payout period begins immediately. SPJST Annuities offer benefits not found in other tax-qualified plans

{such as 401(k) plans}. First, there is no IRS contribution limitation. SPJST members can contribute any amount (within reason) to an annuity. Second, SPJST annuities do not require vesting. SPJST guarantees that the total amount of funds (principal plus interest) will be paid directly to the beneficiary upon the death of the member in the accumulation period. SPJST Flexible Annuities are used to fund Individual Retirement Arrangements (IRA), both Traditional and Roth. More IRA information follows in this section. ••••••••••••

All Flexible Annuities Straight Annuity Traditional IRA Roth IRA

Eligibility Requirements SPJST members (life insurance certificate holders) are eligible and may purchase an annuity with a $100 minimum contribution. Exceptions Any individual under 70 years of age must apply for an SPJST life insurance certificate, but if uninsurable or rated above standard, the individual may become a member with the purchase of an annuity in an amount of $1,000 minimum. Any individual under 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $5,000 minimum. Any individual over 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $1,000 minimum. Issue Ages Flexible Premium Annuity 0 to 85 years Single Premium Immediate 0 to 90 years Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70, agent commissions will be affected.

Current Minimum Guaranteed Interest Rate: 1.50% as of March 19, 2014 Current Interest Rate: 3.00% as of March 19, 2014

Withdrawals or Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first seven certificate years (or the maturity date). The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year —10% 2nd year—9% 3rd year—8% 4th year —7% 5th year—6% 6th year—4% 7th year—2% 8th year and later—No Charge

Free Withdrawal The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge. The member may withdraw up to 50 percent of the total accumulated amount in the annuity within 90 days of either of the following events with no SPJST penalty: Total Disability and/or Nursing Home Residency. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••

Interest Rates Through 04/30/2014 Annuity 5 (plans 8032-8039 with a 1.50% guaranteed rate) Credited Rate: 3.00% Annuity New 5-Year (plans 8040-8041 with a 1.50% guaranteed rate) Credited Rate: 3.00%

2014 SPJST Life Insurance and Annuity Extra

SPJST 5-Year Annuity

Eligibility Requirements Same as Flexible Annuities

Issue Ages 0 to 90 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected. Current Minimum Guaranteed Interest Rate: 1.50% as of March 19, 2014

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

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first five certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year—8% 2nd year—7% 3rd year—6% 4th year—5% 5th year—4% End of 5th Year—No Charge

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

Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••

SPJST 10-Year Annuity

Eligibility Requirements Same as Flexible Annuities.

Issue Ages 0 to 85 years. Issue age may be extended with prior approval and arrangement with Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected. Current Minimum Guaranteed Interest Rate: 1.50% as of March 19, 2014

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

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first 10 certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties. Certificate Year/Charge 1st year—9% 2nd year—9% 3rd year—8% 4th year—7% 5th year—6% 6th year—5% 7th year—4% 8th year—3% 9th year—2% 10th year—1% End of 10th Year—No Charge

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

withdrawal charge. These apply only to SPJST charges. IRS Withdrawal Penalties and Charges may apply. ••••••••••••

Annuity Payout Options and Taxation

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

Non-Lifetime Options

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

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

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

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

Lifetime Options

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

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

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

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

2014 SPJST Life Insurance and Annuity Extra

Isn’t it time to review your current Life Insurance coverage? By reviewing and knowing that your information is current, you have peace of mind that your loved ones will receive the care they deserve, and you can be assured that you are receiving the full value of your membership.

Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices. annuitant’s beneficiary would continue to receive the same distribution for the remainder of that period. Example: If the annuitant chose Life with 20 Years Certain and died four years later, the annuitant’s beneficiary would continue to receive the distributions for the remaining 16 years. If the annuitant lives past the certain period, distributions would cease when the annuitant dies. This is the most popular lifetime option.

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

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

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

ation. Those are the goals of SPJST’s statewide youth program. On an annual basis, youth clubs from 35 lodges across the state sponsor a wide range of social activities, community service projects and charity projects. It’s about having fun, but it’s also about contributing to the welfare of the people of Texas. The educational aspect of the SPJST Youth Program is an integral part of local youth club activities. State and local programs address a range of areas, including human relations, nature, parliamentary procedure, juvenile decency, arts and crafts, the fine arts, music, dramatics and Czech tradition. Youth club members range from grades kindergarten to high school senior. The patriotic program consists of ceremonial rituals and an annual essay contest. The objective is to teach the operation of a free democratic society and majority rule. The social program includes parties, dances, picnics, pageants, hay rides, and family group activities. Summer Camp SPJST also makes summer camping trips available to its active young members. To be eligible to attend camp at no charge, youth members must attend seven

Lifetime Option Taxation

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

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

State Youth Achievement Day In addition to the camp program, the SPJST offers its youth a program which encourages participation in various individual and group contests. The program culminates with the State Youth Achievement Day (YAD) and Royalty Contest held on a statewide basis on the first Saturday in August. The crowning moment of SPJST’s royalty competition is the coronation of the king and queen who are selected on the basis of a speech during which they are scored on content, delivery and overall presence. All of the individuals who compete for the honor are winners in their own right, having been selected to represent their respective districts as king and queen candidates. More than 500 youth and adults from across the state are expected to be at the Frank W. Mayborn Civic and Convention Center on Saturday, August 2 to participate in the 2014 SPJST State YAD and State Royalty Con-

Taxation on a Lifetime Option is based on the exclusion ratio. It is based on funds expected to be received by the time the annuitant reaches life expectancy according to IRS tables. Funds paid in excess of this ratio are considered taxable income. If the annuitant lives to the pre-determined life expectancy age, then all future distributions will be considered 100 percent taxable income in the year received. —SPJST—

test. The day’s competition covers talent, speech, handicrafts, foods, and educational projects. SPJST’s youth program is a cooperative effort that reflects the great potential of SPJST — young and old — working together to achieve common goals and enjoying life together. Information on local lodge youth clubs may be obtained by contacting your local lodge, District Youth Counselor, State Youth Director at (800) 727-7578, or by visiting www.spjst.org.

H H H 2013-2014 SPJST State Royalty H H H Left to right are Duke Ethan Hilbig of Lodge 185, New Braunfels; King Sammy Hoggard of Lodge 202, Jourdanton; and Queen Julia Zavodny and Duchess Emma Regan, both of Lodge 47, Seaton.

2014 SPJST Life Insurance and Annuity Extra

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

competitive scholarship program. The Scholarship/Grant Program is meant to encourage and assist members to further their education and to help them achieve career goals. SPJST General Scholarships were established in 1982 for all SPJST members. General Scholarships are funded by SPJST contributions and endowments and voluntary contributions. Accordingly, the more funds available, the more scholarships awarded. Leadership Grants were established in 1996 for active youth club members and are funded solely through allocations by the Supreme Lodge. 100 Pennies Scholarship Fund Drive The annual SPJST 100 Pennies Scholarship Fund Drive commences on October 1 each year and continues through March 31. Donations are tax deductible and 100 percent of the amount that is contributed is applied toward scholarships. Acknowledgement of individual donations will be published in the Vestnik. To contribute, send your check to:

P.O. Box 100 Temple, Texas 76503

In addition to the 100 Pennies Scholarship Fund Drive, SPJST maintains a Memorial Scholarship Fund. Names of contributors and the individual being honored are published in the Vestnik. Applicants must have an active SPJST life insurance certificate in force for one year and hold an active SPJST life insurance certificate for the duration of the scholarship or grant. All SPJST Scholarship/Grant recipients must attend an accredited two-or four-year college, university, or technical college on a full-time basis, as determined by the college or university, and carry a normal academic load without interruption and in agreement with the college calendar. Their personal and academic standards must remain satisfactory to the college and to the committee. For additional information regarding the SPJST Scholarship/Grant Program, including deadlines for requesting and submitting applications, please contact the SPJST President’s Office at (800) 727-7578.

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

ment, and it takes routine maintenance and upgrades to keep it looking good and maintaining its value. And speaking of value, here’s something else you’ll want to consider: An SPJST Home Loan. If you are purchasing a home or want to remodel your current home, have at least 25 percent down or equity in your home, you could be in line to save plenty.

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

effort and mutual self-interest, individuals and families may collectively achieve objectives unattainable by acting alone. In order to be considered for a mortgage loan with SPJST, you or your spouse must be a member of the Society. Likewise, each immediate family is subject to a maximum financing limitation of $500,000. SPJST currently offers home, farm, and commercial mortgages with notes ranging up to 30 years. For a free packet to see how you can save when making a new loan or refinancing through the SPJST, please contact the SPJST Mortgage Loan Department at (800) 727-7578. Interest Rates Through 04/30/2014 Farm/commercial property rates are subject to change without notice. Call the SPJST Home Office (800) 727-7578.

Farm/Commercial Property Rates

75% Owner Farm Property 5.00% for 1 to 30 years Commercial Property 6.00% for 1 to 10 years 6.25% for 11 to 15 years 6.25% for 11 to 15 years

SPJST supports established, fledgling charities

S.P.J.S.T. Rest Homes For more than 50 years, SPJST has been a strong supporter of S.P.J.S.T. Rest Homes in Taylor and Needville, Texas. The S.P.J.S.T. Rest Homes operate communities of care in Taylor and Needville, Texas. S.P.J.S.T. is a nonprofit organization whose goal is to provide outstanding health care and customer service to its guests. The first nursing community in Taylor, Texas, was opened in 1957. This community has 74 beds. A second

nursing community of 58 beds was opened in Needville, Texas, in 1972. In December 2003, a 24-bed assisted living community was opened in Taylor, Texas. Expansion of the assisted living community took place in 2009 with the addition of 36 additional apartments. For more information, please call (512) 352-7209 or visit www.spjstresthomes.com.

SPJST Education and Nature Center (ENC) at Cooper Farm For more than 40 years, an exciting fraternal idea — the quest to establish a family oriented educational and nature center remained an elusive dream. The SPJST Education and Nature Center (ENC) is now bringing that vision to life. The mission of SPJST ENC, as established in year 2000 by the dele-

gates to the 28th SPJST Convention, is multifaceted: To provide for use by the general public for education in the areas of nature, conservation, environmental matters, fitness and health, culture, patriotic, family living, and history. Through a long-term lease agreement with Lower Colorado River Authority and with funding from SPJST, the SPJST ENC opened for operations in 2010. The first full year of operations was in 2011. Already, the facility has provided recreation and nature training facilities for numerous fraternal groups, religious, school, civic and environmental groups. Located approximately 70 miles east of Austin, near Fayetteville and La Grange, this picturesque region touches the heart of early Czech settlement in Texas where SPJST was

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

are encouraged to visit with ENC personnel and schedule a visit to the property. Cooper Farm is a 501(c)(3) nonprofit organization, and all donations are tax deductible. For more information on SPJST ENC including giving opportunities, please contact the ENC directly at (979) 249-5674 or visit them online at www.cooperfarm.org. Mail donations to:

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SPJST Education and Nature Center at Cooper Farm 2001 Waldeck Road Ledbetter, Texas 78946

Czech Heritage Museum and Genealogy Center In the 1950s, several Czech organizations began discussing the possibility of having a Czech history museum. During the 1960s, an effort began to collect books and artifacts pertaining to Czech history and immigration to America, and in 1971, the first museum was opened in the new SPJST Home Office in Temple, Texas.

By 1981, the museum had outgrown its place and was moved to the basement of the SPJST building. In 2000, SPJST convention delegates voted to make the museum a separate entity and be moved to a new location. On February 12, 2010, a ribbon was cut to officially open the Czech Heritage Museum at Third Street and French Avenue in Temple. The building in which the museum is housed was originally built by Dr. H. B. Mason in 1930 as one of the first “shopping centers” in Temple. The building is distinguished by the Art Deco/Spanish style exterior, which was maintained during reconstruction. The genealogy library contains the largest Czech genealogy collection in the state of Texas, as well as a computer bank for Internet research. The museum is a 501(c)(3) non-profit organization, and donations are tax deductible. For more information, including museum hours and current attractions, please call (254) 899-2935 or visit www.czechmuseum.org. Mail donations to: Czech Heritage Museum and Genealogy Center 119 West French Avenue Temple, Texas 76501 —SPJST—

SPJST Endowed and Sponsorship Scholarship Opportunities

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

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

SPJST Endowed Scholarships Donors who wish to make a positive difference in the life of a young person and at the same time establish a lasting memorial may establish or contribute to an SPJST Endowed Scholarship. The scholarship may be established in your name or the name of the individual you wish to honor. SPJST Endowed Scholarships may be established starting at $10,000. By definition, an endowed scholarship is one in which the principle remains intact and only the interest is awarded each

year. Once established, your scholarship will be managed by the SPJST. Your endowment creates a permanent funding source that will grow over time and will support deserving students today and in the future. SPJST Endowed Scholarships have been established in the names of Otto Hanus (two scholarships), Myles Marek, Ben and Martha Trcalek,

Sponsorship Scholarships In 2012, SPJST presented its first Sponsorship Scholarship with the awarding of the Slovacek Sausage Scholarship. The award was made possible by the generosity of Tim Rabroker and Slovacek Sausage. Sponsorship scholarships differ from SPJST endowed scholarships in that donors may offer scholarships in the name of a business or as a tribute to a family or friend on a one time basis for $1,000.

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

2014 SPJST Life Insurance and Annuity Extra

Active lodges are listed in numerical order. District number is

in parentheses. For lodge information, please call the lodge secretary. For youth club information, please contact the local lodge youth leader. For insurance information, please contact lodge sales agents. Listings reflect Home Office records as of March 12, 2014. (Use of this information for solicitation or commercial purposes is a violation of the SPJST Privacy Policy and is strictly prohibited.) LODGE 1 FAYETTEVILLE (1)

Lodge Hall: 507 East Main Street, Fayetteville, Texas. Directions: Lodge building is located on Highway 159 East, three blocks from the town square. Hall Rental Information (979) 966-3795

Lodge Meetings: First Monday of evennumbered months February, April, June, August, October, and December at 6 p.m. at the lodge hall. Secretary Debra Pflughaupt (979) 249-6249 rpflughaupt@hotmail.com

Youth Club Meetings: First Monday of each month at 6:30 p.m. at the lodge hall. Youth Leader Ronnie Pflughaupt (979) 249-6702 rpflughaupt@hotmail.com

Sales Agent Ronnie Pflughaupt (979) 378-2763 rpflughaupt@hotmail.com

Directory of SPJST Lodges, Youth Clubs, and Sales Agents LODGE 4 HALLETTSVILLE (6)

Lodge Meetings: Second Sunday of each month at 3 p.m. at American Legion Tap Room, 107 East Park Street, Hallettsville, Texas. Secretary Helen Zabransky (361) 798-3347

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

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

Youth Club Meetings: First Sunday of each month at 1:30 p.m. at the lodge hall. Sales Agents Donald Cernosek (254) 855-6800 djcernosek@sbcglobal.net Lydia Dobecka (254) 826-5663 Johnnie Krizan (254) 826-5882 Ruth Krizan (254) 826-5882 Jerry E. Kucera, FIC (254) 826-5425 jkucerains@att.net

LODGE 8 WEIMAR (6)

LODGE 5 PILOT POINT-TIOGA (3)

Lodge Meetings: Fourth Monday of each month at 7 p.m. at Veterans Memorial Hall, 503 Park Drive, Weimar, Texas.

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

LODGE 9 SNOOK (1)

Lodge Meetings: First Saturday of each month at 2 p.m. at PointBank Community Center, 739 East Liberty Street, Pilot Point, Texas. Sales Agents Dean Carender (903) 564-7359 jandd@texoma.net (903) 815-5628 Elise Koerner, FIC (940) 391-1585 emrkoerner@msn.com Michael Munn (903) 227-5969 mmmunn@gmail.com

LODGE 6 COTTONWOOD (3)

Lodge Hall: 700 South Czech Hall Road, West, Texas. Directions: From Interstate 35, take the West exit and stop at the blinking light. Go east at the blinking light and stay on Oak Street through downtown West. Take Farm Road 2114 East for 3 miles. Turn right on Czech Hall Road. The lodge hall is on the right about 1/2 mile down the road.

Hall Rental Information (254) 826-5882 Hall Phone: (254) 826-0005 Lodge Meetings: First Sunday of each month at 2 p.m. at the lodge hall. Secretary Barbara Jean Hykel (254) 826-4677 bjhykel@yahoo.com

Secretary Robin Guenther (979) 561-6657 • robins@cvctx.com

Lodge Hall: 457 CR 269, Snook, Texas. Directions: From Snook, turn on FM 2155 to downtown. At Snook School, stay right on Spur 2155. At “T”, turn right on CR 269. Go 3/10 mile, and hall is on the left. Hall Rental Information (979) 272-3732

Lodge Meetings: First Wednesday of each month at 7:30 p.m. at the lodge hall. Secretary Ann Schoeneman (979) 272-8444 • janda1938@gmail.com

Youth Club Meetings: First Wednesday of each month at 6:30 p.m. at the lodge hall. Youth Leader Marie Shelfer (979) 272-8100 • mashelfer@aol.com

Sales Agents Stacey Eldridge (979) 272-1556 staceyslovacek@aol.com Karen Gaas (979) 272-8873 karengaas@yahoo.com Bill Orsak, FIC, CFFM (979) 272-1243 borsak@tconline.net (979) 324-0056 Pamela Pruett (512) 760-6740 ppruett@milamins.com Donnie Victorick, FIC, CFFM (979) 224-3125 dv.aggie@verizon.net

LODGE 13 DIME BOX (1)

Lodge Hall: 425 CR 424, Dime Box, Texas. Directions: In Dime Box, turn left from FM 141 on CR 424. Go east on CR 425 for 3/10 mile. The hall is on the left. Hall Rental Information (979) 884-1451 Hall Phone: (979) 884-3211

Lodge Meetings: Second Thursday of each month at 7 p.m. at the lodge hall. Secretary Ladonna Jatzlau (979) 884-0561 handsandbands@yahoo.com

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

LODGE 15 BUCKHOLTS (2)

Lodge Hall: 600 State Highway 190/Highway36, Buckholts, Texas (historic hexagonshaped lodge building with a stone entrance sign located approximately 1/4 mile east of downtown Buckholts). Directions: Lodge building is located on Highway 36, east of Buckholts. Hall Rental Information (254) 593-2222

Lodge Meetings: Second Monday of each month at 5 p.m. at the lodge hall. Secretary Dorothy Tomascik (254) 593-2757

LODGE 17 NEW TABOR (1)

Lodge Hall: 2674 CR 225, Caldwell, Texas. Directions: From Caldwell, turn from Highway 36 east onto FM 166. Proceed 2.1 miles and turn left on CR 225. Go one mile, veering to the right. The lodge building is located on the right. Hall Rental Information (979) 272-3440

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

Secretary Ben Trcalek, Jr. (979) 272-3278

Youth Club Meetings: First Sunday of each month at 3 p.m. at the lodge hall. Youth Leader Mabrey Dowell (979) 272-8517 • mabes82@aol.com

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

LODGE 18 ELGIN (2)

Lodge Hall: 702 Highway 95 North, Elgin, Texas. Hall Rental Information (512) 217-0162 - David Meyer Country/Western Band Booking (512) 281-3711 - Artie Monson Polka Band Booking Hall Phone: (512) 285-3100

Lodge Meetings: Third Tuesday of each month at 7 p.m. at the lodge hall. Secretary Charles Wilson (512) 285-4293

Youth Club Meetings: First Saturday of each month at 2 p.m. at the lodge hall. Youth Leader Joyce Bowen (512) 856-2481 joycenelson64@yahoo.com

Sales Agents Betty Gaskamp (512) 281-0234 bettygaskamp@yahoo.com Evelyn Gustafson (512) 285-9319 Margaret Taylor (512) 303-0825

LODGE 20 GRANGER (2)

Lodge Hall: Texas.

114 West Davilla, Granger,

Hall Rental Information (512) 859-2584

Lodge Meetings: Second Tuesday of each month at 7 p.m. at the lodge hall. Secretary Rubie Loessin (512) 859-2765

Youth Club Meetings: Second Sunday of each month at 1:30 p.m. at the lodge hall. Youth Leader Emilie Tischler (254) 721-7735

2014 SPJST Life Insurance and Annuity Extra

LODGE 23 MORAVIA (6)

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

Lodge Meetings: Tuesday after the second Sunday of March, June, and September at 7:30 p.m. and the first Sunday of December at 3 p.m. at the lodge hall. Secretary Kathleen Guenther (979) 562-2124 • philg@cvctx.com

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

LODGE 24 CYCLONE (2)

Lodge Hall: 411 FM 964, Burlington, Texas. Directions: Lodge building is located 12 miles east of Temple, past Zabcikville. Exit at the blinking light on Highway 53 to FM 485, then go one mile to FM 964. Hall Rental Information (254) 985-0002 Hall Phone: (254) 985-2393

Lodge Meetings: Second Monday of each month at 7 p.m. at the lodge hall. Secretary Margaret Mikeska (254) 985-2484 margaretmikeska@yahoo.com

Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Youth Leader Brenda Maddux (254) 985-0002 frontdeskgoddess@hotmail.com Sales Agents

Roberta Amos (254) 773-1100 njones@fctinsurance.com Paulino Castillo (254) 773-0092 pcastillo@fctinsurance.com Jason Hoelscher (254) 985-0347 jhoels3210@aol.com

LODGE 25 ENNIS (3)

Lodge Hall: 1901 East Highway 34, Ennis, Texas. Directions: From Interstate 35 East at Waxahachie, take the Highway 287 East exit. Stay on Highway 287 East until you come to Ennis. Go straight through downtown Ennis and go under the overpass at Interstate 45. Then go approximately 3/4 mile on Highway 34, and Lodge 25 is on the right. Hall Rental Information (972) 875-8381 Hall Phone: (972) 875-8381

Lodge Meetings: Second Thursday of each month at 7 p.m. at the lodge hall. Secretary Patricia Fowler (972) 878-2083 • 1969fowler@gmail.com

Youth Club Meetings: First Sunday of each month at 1:30 p.m. at the lodge hall. Youth Leader Rita Holland (469) 337-2284 • ritaholland57@yahoo.com

Sales Agents Thomas Droste (972) 965-5308 droste_t@yahoo.com Danny Dvorak (972) 821-8946 crispczech@hotmail.com Linda Jurik (972) 872-9997 Kay Lynn Kovar, FIC (972) 875-6827 Margaret Krajca (972) 878-6149 jmkrajca@yahoo.com Max McIntosh (972) 935-2082 maxfli@ymail.com

LODGE 28 EAST BERNARD (6)

Lodge Meetings: Second Sunday of each month at 12 noon at Wharton County Library - East Bernard Branch, 746 Clubside Drive, East Bernard. Secretary Helen Kelner (281) 342-2624

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

LODGE 29 TAYLOR (2)

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

Sales Agents Bradley Bacak, FIC (979) 543-9362 bradbacak@sbcglobal.net (979) 543-6277 Crystal Bacak, FIC (979) 543-9362 bradbacak@sbcglobal.net (979) 543-6277 Carolina Covarrubia (281) 779-9956 carroinpink@yahoo.com Thomas Drapela, FIC (979) 543-1142 Karen Kaspar, FIC, CFFM (979) 332-1616 k-kaspar@hotmail.com (979) 543-2532 Fax: (979) 543-8859

LODGE 32 VICTORIA (6)

Lodge Hall: 3502 North Laurent, Victoria, Texas.

Lodge Meetings: Second Thursday of each month at 6:30 p.m. at the lodge hall. Secretary Linda H. Mozisek (361) 676-7561 lindamo@suddenlink.net

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

LODGE 35 ELK (3)

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

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

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

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

Sales Agents Albin Machu, CFFM (512) 365-5489 elainemachu@hotmail.com Fax: (512) 365-9653 Jesse Pospisil (512) 826-7371 jlpospisil@yahoo.com Tammy Whatley (512) 948-5339 tammyrwhatley@yahoo.com

Sales Agent James Mann, FIC (254) 876-3979 dmann55@wacotx.cx

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

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

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

LODGE 30 TAITON (6)

Lodge Meetings: First Sunday of each month at 1:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo, Texas. Secretary Wanda Dorotik (979) 543-1974 • wdorotik@wirehand.net

Youth Club Meetings: First Sunday of each month at 2:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo, Texas. Youth Leader Lisa Bubela (979) 543-7120 • lbubela@warpspeed1.net

Hall Rental Information (254) 749-3326 Hall Phone: (254) 863-9320 Secretary Carla Pavelka (254) 420-2430 cvpavelka@yahoo.com

LODGE 38 KOVAR (1)

Lodge Hall: 278 Zimmerhanzel Road, Flatonia, Texas. Hall Rental Information (512) 237-2438 - Days (830) 839-4353 - Evenings

Lodge Meetings: Second Monday of each month at 7 p.m. at lodge hall. Secretary Kathy Maney (512) 237-2439 • kmaney5411@yahoo.com

Sales Agents Johnnie J. Janak (512) 237-5228 (512) 237-2432 Kathy Maney (512) 237-2439 maneyins@yahoo.com (512) 237-2706 Fax: (512) 360-2439

LODGE 39 BRYAN (1)

Lodge Hall: Cherry Bend Circle, Lot 12, Bryan, Texas. Directions: From Highway 6, turn west on OSR. Go 2 miles to Mumford Road and turn left. Go 1.1 mile and turn left on Magnolia. Take the first right turn on Cherry Bend Circle. The lodge hall is at the bend of the road (white building).

Lodge Meetings: Second Sunday of each month at 1 p.m. at the lodge hall. Secretary Shirley Vytopil (979) 218-6432 svytopil@yahoo.com

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

LODGE 40 EL CAMPO-HILLJE (6)

Lodge Hall: 30420 Loop 524 US Highway 59, Hillje, Texas. Directions: Lodge hall is located just off US 59 in Hillje. Hall Rental Information (979) 243-4222 Hall Phone: (979) 648-2317

Lodge Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Secretary Josephine Brandt (979) 543-3298

Youth Club Meetings: Second Sunday of each month at 1:15 p.m. at the lodge hall. Youth Leader Cathy Garcia (979) 332-1614 • clvgarcia@yahoo.com

Sales Agents Ardis Bacak, FIC (979) 578-8907 bradbacak@sbcglobal.net Sheldon Holub, FIC (979) 543-7387 sholub@awesomenet.net James Kocurek (979) 543-3193

LODGE 41 PORT LAVACA (6)

Lodge Meetings: Second Tuesday of February, May, August, and November at 6 p.m. at Six Mile Presbyterian Church, Royal Road, Port Lavaca, Texas. Secretary Mary Sitka (361) 552-5170 • danmarysitka@yahoo.com

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

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LODGE 47 SEATON (2)

Lodge Hall: 10842 State Highway 53, Temple, Texas. Directions: Star Hall is located seven miles east of Temple on Highway 53 (Adams Avenue in Temple). Hall Rental Information (254) 760-7819 Hall Phone: (254) 985-2548

Lodge Meetings: First Sunday of each month at 2 p.m. at the lodge hall. Secretary Patsy Koslovsky (254) 985-2396 • patsyk2011@yahoo.com

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

LODGE 49 ROWENA (4)

Lodge Hall: 706 FM 2133, Rowena, Texas. Hall Rental Information (325) 442-4841

Lodge Meetings: First Wednesday of February, May, August, and November at 7 p.m. at the lodge hall. Secretary Beverly Teplicek (325) 442-4841 • bjtep@verizon.net

Youth Club Meetings: Second Sunday of each month at 4 p.m. at the lodge hall. Youth Leader Beverly Teplicek (325) 442-4841 • bjtep@verizon.net

LODGE 54 WEST (3)

Lodge Meetings: First Friday in March, June, and November and the second Friday in September at 7 p.m. at St. Joseph Hall, 303 South Harrison Street, West, Texas. Secretary Janice Kaluza (254) 826-3534 fjkaluza@txum.net

Sales Agents Frances Aleman (325) 544-8560 fmaleman@wtxs.net Steven Gallegos (512) 965-6769 trifectatx@yahoo.com Lisa Galvan (325) 365-2627 lisa.13@verizon.net Joan Halfman (325) 442-4425 j1146@verizon.net Jimmy Jones (325) 372-5522 jjins@centex.net (325) 248-3579 Thomas Kirkpatrick (432) 558-2777 westwindinsurance@att.net Eliza M. Rodriguez (325) 949-9508 rodnewfsfamily@yahoo.com Billy Rollwitz, FIC, CFFM (325) 442-3141 brollwitz@verizon.net Sylvia M. Rollwitz, FIC (325) 442-3141 srollwitz@verizon.net Kenneth Rooke (325) 446-3073 kenny.rthi@verizon.net Loretta Schaefer (432) 397-2483 schhal@crcom.net Richard Sonnenberg (325) 718-8445 rickster@wtxs.net Beverly Teplicek (325) 442-4841 bjtep@verizon.net Liliana Valenzuela (619) 905-0228 calla.lily@me.com

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

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

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

Lodge Meetings: Second Sunday of each month, 3:30 to 5:30 p.m.; except for the following months, the meeting time will be at 6:30 p.m. on May 12, June 9, July 14, and August 11 at the lodge hall.

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

Sales Agents Richard Allen (254) 339-9375 aaindependent@yahoo.com Ruby Clayborne (254) 799-4790 rclayborne22@hotmail.com Kaelyn Dillard (254) 694-7800 Randolph Dillard, Sr. (254) 694-5099 John Engelke (254) 717-7534 john.engelke@hotmail.com Johnnie Gaidusek, Jr. (254) 934-2527 rvos@windstream.net (254) 709-5976 Justin Gaidusek (254) 718-8212 justin@rolloinsurance.com Christine Galysh (254) 754-5174 Denise Gay (254) 722-0763 Joel B. Gay (254) 836-1039 joby@triplansolutions.com Kevin Hannes (254) 733-4914 khannes@grandecom.net Randy House (254) 749-4636 rhouse3407@gmail.com Larry Matula (254) 822-1550 larry@matulainsurance.com Via Jean Randolph (254) 761-0187 viarandolph@gmail.com Kandi Rendon (254) 723-4752 rendonjulian73@yahoo.com Michael Thompson (254) 717-9008 t2fans@aol.com Sammy Tull (254) 857-8600 sjtrmt@aol.com Nelson Washington, Jr. (832) 508-1507 wacotaxservice@aol.com

Youth Leader Joyce Kraatz (254) 760-5816 • bradkraatz@hotmail.com

Sales Agents David Coufal (254) 986-2448 david@davidcoufalinsurance.com Fax: (254) 986-2412 (254) 773-4801 Frank Klinkovsky, FIC Patsy Koslovsky, FIC (254) 985-2396 patsyk2011@yahoo.com Tammy Martinez (254) 985-2457 tammym@spjst.com David Pechal (254) 721-8370 davidpechal@yahoo.com Corinne Popelka (254) 931-1256 kerr.corinne@gmail.com Michael Seiler (254) 939-0180 mseiler@farmersagent.com Dolores Skrabanek, FIC (254) 985-2344 dskrabanek@embarqmail.com Lynette Talasek (254) 931-0639 lynettet@spjst.com Donica Zabcik (254) 749-5607 donicaz@spjst.com

LODGE 48 BEYERSVILLE (2)

Hall Rental Information (512) 450-8310

Secretary Juanette Susan (512) 365-8381 jraleyjuanette@aol.com

Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Youth Leader Donna Vanecek (512) 365-5717 donnavanecek@yahoo.com

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

LODGE 51 ELLINGER (1)

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

LODGE 63 SWEET HOME (6)

Lodge Meetings: Third Thursday of each month at 7 p.m. Call for meeting location. Secretary Ann Moseley (361) 594-8429 • moselam@hotmail.com

LODGE 66 WACO (3)

Lodge Meetings: Date, time, and location to be announced in the lodge meeting minutes printed in the Vestnik for each month’s meeting. Call (254) 799-4247 for information. Secretary Dana McAdams (254) 799-4510 • danamcad@aol.com

LODGE 67 SCHULENBURG (1)

Lodge Meetings: Call for quarterly meeting date, time, and location. Secretary Mary Ann Kutac (979) 561-8686

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

LODGE 73 SEYMOUR (4)

Lodge Meetings: First Sunday of each month at 12 noon. Call for meeting location. Secretary Alice Orsak (940) 889-2391

Sales Agents Marty Bufkin (940) 889-2538 mbufkin@bunkleyandjones.com Christopher Moore (940) 256-2263 cfmoore1@aol.com

LODGE 76 WICHITA FALLS (4)

Lodge Meetings: First Sunday in March and June and second Sunday in September and December at 1 p.m. at Luby’s Cafeteria, 1801 Ninth Street, Wichita Falls. Secretary Diana Ibarra (972) 686-9456

Sales Agents Beth Calhoun (940) 574-4451 betha1947@yahoo.com Holly Cox (940) 674-5554 hometowninsurancechildress@gmail.com Ananias Edwards, III (940) 766-3331 nize3@aol.com Ray Esparza (940) 692-2244 resparza339@sbcglobal.net Ezekiel R. Garcia (940) 782-3943 Diana Geis (940) 733-5328 dianageis@hotmail.com Michelle Robertson (940) 322-2860 William Waddle (940) 569-2934 wmwaddle@nts-online.net

LODGE 79 CORPUS CHRISTI (7)

Lodge Meetings: Third Sunday of each month at 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi, Texas. Secretary Virginia Rebecek (361) 816-3128

Youth Club Meetings: Third Sunday of each month at 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi, Texas. Youth Leader Gerilyn Donnell (361) 548-0852 gl@totalprotection.com

Sales Agents Ignacia Castillo (361) 664-1943 nacha.castillo@yahoo.com Francisco Dheming, Sr. (361) 561-7658 Armando Diaz (361) 945-2790 armandovdiaz@aol.com Amiel Garcia (361) 438-1860 abengar@msn.com Ralph Juarez (361) 537-5506 juarez2112@aol.com

2014 SPJST Life Insurance and Annuity Extra

David Knapp, LUTCF (361) 765-4646 dckltc@yahoo.com Leo Longoria (361) 325-9250 Oscar Longoria, LUTCF (361) 325-3551 osamlong@yahoo.com Javier Mora (361) 549-0116 Lance Morck (361) 480-5001 l_morck@yahoo.com Armando Perez, LUTCF (361) 814-0314 aperez40@stx.rr.com Abel Reyna (361) 547-0064 ab3rey@aol.com Jerry Sijansky, FIC (361) 853-1227 jaquayj@wildblue.net Eva Vasquez (361) 765-3258 elvasquez54@yahoo.com Deborah Whittington (361) 939-7588 dawhittington@sbcglobal.net

LODGE 80 HOLLAND (2)

Lodge Hall: 12141 East FM 2268, Holland, Texas. 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 each month at 4 p.m. at the lodge hall. Secretary Linda Hill (254) 598-0284 hlinda1260@aol.com

Youth Club Meetings: Second Wednesday of each month at 6 p.m. at Youth Leader Connie Horak’s home. Call (254) 541-9165 for address. Youth Leader Connie Horak (254) 541-9165 • chorak@sw.org

Sales Agents Vicki Benner (254) 657-2628 vslye@embarqmail.com Frank Horak (254) 657-3018 f_horak@yahoo.com Joe W. Liles (254) 657-2488 joelilesrvos@gmail.com (254) 913-7674

LODGE 81 NEEDVILLE (5)

Lodge Hall: 13609 Violet Street, Needville, Texas. Directions: Lodge building is located south on Highway 36, one mile from the traffic light in Needville. Hall Rental Information (979) 793-4313 • td_stavinoha@yahoo.com Hall Phone: (361) 793-4742

Lodge Meetings: Third Sunday of each month at 1 p.m. at the lodge hall. Secretary Willie Mae Kuykendall (281) 233-6539

Youth Club Meetings: Contact Youth Leader Bradley Stavinoha for meeting date, time, and location. Youth Leader Bradley Stavinoha (979) 793-2386 spjst@earthlink.net

Sales Agent Bradley Stavinoha (979) 793-2386 spjst@earthlink.net (979) 793-4364 (281) 802-9858

LODGE 84 DALLAS (3)

LODGE 88 HOUSTON (5)

Lodge Hall: 2625 Floyd Street, Dallas, Texas. Directions: From Interstate 35 East in Dallas, take Interstate 20 East. From Interstate 20 East, take the Interstate 45 exit toward downtown Dallas. Interstate 45 runs into Highway 75. From Highway 75, take a right at the Bryan Street exit. From Bryan Street turn right on Cantreal Street. Go on Cantreal Street until you come to Floyd Street. Take a right on Floyd Street. Lodge 84 is the second building on the right, 2625 Floyd Street.

Lodge Hall: 1435 Beall Street at West 15th, Houston, Texas (the Heights). Directions: Highway 290—Take Mangum Dacoma exit. Stay on frontage road. Turn left at third traffic light onto 18th Street. Go under freeway at third traffic light. Turn on Beall Street.

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

Secretary Ana Latigo (713) 697-6644

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

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

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

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

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

Youth Club Meetings: Third Sunday of each month at 1 p.m. at the lodge hall. Youth Leader Bessie Petr (214) 826-3557 • magiclady_46@hotmail.com

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

LODGE 87 TEMPLE (2)

Lodge Hall: 320 North 50th Street, Temple, Texas. Directions: From East Adams Avenue, turn north on 50th Street. Go 2/10 mile. Lodge building is on the left. Hall Rental Information (254) 405-5168

Lodge Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Secretary Christine Festa (254) 541-2374 christinefesta@yahoo.com

Youth Club Meetings: Second Sunday of each month at 3 p.m. at the lodge hall. Youth Leader Jennifer Davidson (254) 405-5168 davidson2313@gmail.com

Sales Agents Betty Barton (254) 913-0386 bettybar@vvm.com Karin Bryant (254) 338-3275 allyourinsuranceneeds@centurylink.net Jennifer Davidson (254) 405-5168 jdavidson@sw.org Hiram Dixon, FICF, LUTCF, CFFM lifeagent01@yahoo.com (254) 231-7722 Keifer Marshall, Jr. (254) 773-2240 kmarshall@insurors.com

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

Sales Agents Carolyn Filipp Beseda, FIC (713) 869-9304 cffilipp@earthlink.net Helen Hegwood, FIC (713) 864-0489 Vincent Hegwood, FIC (281) 358-7312 Mildred Holeman (713) 691-6434 mmholeman@yahoo.com (713) 305-7895 Fax: (713) 691-4084 Janice Jahns (281) 615-5046 wjahns@sbcglobal.net Ana Latigo (713) 385-0590 avlatigo@yahoo.com Dorothy Pflughaupt (713) 864-2163 dotpflugh@yahoo.com (713) 859-8976 Larry W. Pflughaupt, FIC (713) 864-2163 lpflugh@aol.com (713) 859-8955

LODGE 91 SAN JACINTO (5)

Lodge Meetings: Quarterly meetings - to be announced in Vestnik. Secretary Vonda Smesny (713) 870-7114 • wolcek@comcast.net

Sales Agents Carlos San Miguel (361) 562-8800 sanmiguel.carlos051@yahoo.com Charles Thomas, Jr. (832) 687-1099 charlesintx@gmail.com Vickie Wilkinson (281) 446-0467 vickiewilk@gmail.com

LODGE 92 FORT WORTH (3)

Lodge Hall: 3316 Roberts Cutoff Road, Fort Worth, Texas. Directions: From Interstate 35 West in Fort Worth, take Interstate 30 West to the Henderson exit. Take Henderson North, and it becomes Jacksboro Highway (TX 199). Stay on this road north until Roberts Cutoff which is a right off of Jacksboro Highway. The lodge (also known as National Hall) is on the right about 3/4 block down the road. A Great Western Inn Motel is on the corner. Hall Rental Information (817) 624-1361 Hall Phone: (817) 624-1361

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

Secretary Mary Jane Taborsky (817) 801-0453 jtaborsky@sbcglobal.net

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

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

Sales Agents Thomas Brown (940) 321-8717 tabrown@charter.net Pamela Durham (817) 877-1502 pam@pamdurham.com David Ford (817) 239-6547 fordclu@sbcglobal.net Gordon Hubenak (817) 498-3905 Holly Hubenak Anderson (817) 337-0964 hhubenak@coppellisd.com Kenneth Krivanek (817) 237-4120 Sherrie Kubala Watkins, FIC (817) 237-5314 skubwatkins@aol.com

LODGE 97 PLACEDO (6)

Lodge Meetings: Second Friday in March, June, September, and December at 6 p.m. at Lodge 32, Victoria Hall, 3502 North Laurent, Victoria. Call Secretary Diana Redd for more information. Secretary Diana Redd (361) 649-4388 memories_by_diana@yahoo.com

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

LODGE 107 FLORESVILLE (7)

Lodge Hall: 1156 FM 1303, Floresville, Texas. Directions: From Floresville, take FM 536 West three miles to FM 1303. Turn right and go two miles. The hall is on the right. Hall Rental Information (830) 393-7796

Lodge Meetings: Second Sunday of each month at 3 p.m. at the lodge hall. Secretary Wendy Pruski (210) 535-4916 poohbear78064@hotmail.com

Sales Agents Robert Bayer, FIC (830) 393-9073 blackbayer7@hotmail.com Frankie Campbell (210) 602-2540 frankiec1030@yahoo.com (210) 535-4916 Wendy Pruski, FIC poohbear78064@hotmail.com Cynthia Puig (956) 489-4995 cpuig1@gmail.com Linda Rodriguez (830) 393-2229 thuney@floresville.net Miguel Rodriguez (210) 375-2131 mgrodriguezjr@yahoo.com Melvin Strey (830) 420-3185 mstrey@gvec.net Ronald Thuney (830) 393-6729 thuney@floresville.net

2014 SPJST Life Insurance and Annuity Extra

LODGE 117 ROBSTOWN (7)

Lodge Meetings: First Saturday of March, June, September, and December at 1:30 p.m. at Hilltop Community Center, 11425 Leopard, Corpus Christi, Texas. Secretary Dianne Raska (361) 334-7222 ldianne@live.com

Sales Agent Carlos Benavidez (361) 739-5907 ccarlosgb3@aol.com

LODGE 130 DALLAS (3)

Lodge Meetings: For monthly meeting date, time, and location, please contact the lodge secretary or sales agent. Secretary Stanley (Martha) Vrla (214) 826-2670 • mvrla@sbcglobal.net Sales Agent

John Vrla jvrla@cebridge.net

(214) 906-3385

LODGE 133 SAN ANTONIO (7)

Lodge Meetings: Third Sunday of each month at 2 p.m. at Good Shepherd Lutheran Church Activity Center, 1630 Goliad Road, San Antonio, Texas. Secretary Vicki Reese (210) 698-1525 v.reese@att.net

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

LODGE 135 ENNIS (3)

Lodge Meetings: Third Thursday of January, April, July, and October at 7 p.m. at Sokol Hall, 2622 East Highway 34, Ennis. President Larry Valek (214) 794-7674

LODGE 139 DANBURY (5)

Lodge Meetings: Second Tuesday of each month at 6 p.m. at Danbury City Hall. Secretary Ella Marie Filipp (979) 922-1524 ellinfilipp@att.net

Sales Agents Myra Boegler (713) 628-3657 spjstlife@yahoo.com Justin Smith (979) 215-9667 justinlsmith-1@yahoo.com Larry Strebeck (979) 922-8000

LODGE 141 SEALY (1)

Lodge Meetings: Second Tuesday of each month at 6 p.m. at Gordon Memorial Library, 917 North Circle, Sealy, Texas. Secretary Bernice Stolarski (979) 885-6786 • bbstol@sbcglobal.net

Sales Agent John Simpson (713) 818-9800 817@catspringvfd.com

LODGE 142 HOUSTON (5)

Lodge Meetings: Second Sunday (unless otherwise noted) of each month at 2 p.m.; meal served at 1 p.m. at SPJST Lodge 88, Houston Annex Building, 1435 Beall Street at West 15th, Houston, Texas. Secretary Alice Jochen (979) 743-3613

Youth Club Meetings: Second Sunday of each month at 2 p.m. at SPJST Lodge 88, Houston Annex Building, 1435 Beall Street at West 15th, Houston, Texas. Youth Leader Catherine Manchack (281) 893-8107 • cmanchack@yahoo.com

Sales Agents Carita Felbermayr (832) 465-8833 caritaf50@hotmail.com Catherine Manchack (281) 893-8107 cmanchack@yahoo.com Candace McEathron (713) 392-4995 canmce@yahoo.com

LODGE 148 EL MATON (6)

Lodge Meetings: Second Sunday of each month at 3 p.m. at Frank Hahn’s Camphouse in El Maton. Secretary Melissa Zielonka (830) 373-4388 • zielonka33@aol.com

Youth Club Meetings: Second Sunday of each month following the adult lodge meeting at Frank Hahn’s Camphouse in El Maton. Youth Leader Melissa Zielonka (979) 618-1890 • zielonka33@aol.com

LODGE 151 WHARTON (6)

Lodge Meetings: Second Monday of March, June, September, and December at 6:30 p.m. at Wharton Depot Museum, 100 South Sunset Street, Wharton, Texas. Secretary Janie Bucek (979) 532-5884 jbucek2001@yahoo.com

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

LODGE 153 LA SALLE (6)

Lodge Meetings: Second Tuesday of March, June, September, and December at 6 p.m. Call for meeting location. Secretary Mary Jane Sralla (512) 782-3374 esralla@sbcglobal.net

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

LODGE 154 FORT WORTH (3)

Lodge Hall: 6500 Boat Club Road, Fort Worth, Texas. Directions: From Interstate 35 West in Fort Worth, take the Interstate 20 West exit. Stay on Interstate 20 West until you come to 820 and stay on 820 until you come to the Jacksboro Highway and Azle Street exit. Take the Azle Street exit and go to the traffic light. Turn left at the traffic light and go to the second traffic light, then turn right onto Boat Club Road. Go on Boat Club Road approximately 2 1/2 miles. Lodge 154 is on the right. Hall Rental Information (817) 237-5181 Hall Phone: (817) 237-5181

Lodge Meetings: Third Sunday of each month at 3:30 p.m. at lodge hall. Secretary Mary Steinman (817) 731-2580 • appamary@sbcglobal.net

Youth Club Meetings: Third Sunday of each month at 5 p.m. at the lodge hall. Youth Leader Lesli Milan (817) 320-7129 • leslimilan@yahoo.com Youth Leader Carrie Ann Jones (817) 371-1727 • jonestravel@att.net

Sales Agents Fred Flores (817) 724-7673 fredgflores@gmail.com Sheri Humphreys (817) 236-1304 sherihumphreys@gmail.com Joseph Steinman (817) 624-1760 sokolfw@yahoo.com

LODGE 155 AUSTIN (2)

Lodge Meetings: First Sunday of March, June, September, and December. Call for meeting time and location. Secretary Ginny Prasatik (512) 472-1721 • gprasatik@att.net

Sales Agents Patricia Fleming (325) 248-3817 fleming@hctc.net Doris Plagens (512) 903-8217 doris.plagens@yahoo.com Ricky D. Rodriguez (512) 591-4022 sirricrod@yahoo.com Rosalinda Sanchez (512) 659-3782 rsanchez2000@sbcglobal.net

LODGE 157 LUBBOCK (4)

Lodge Meetings: Second Sunday of every other month at 1 p.m. Call for meeting location. Secretary Cynthia Kristinek (806) 763-7245 • cjkristinek@yahoo.com

Sales Agents Paul Harwood (806) 681-9701 peharwood.55@yahoo.com Cynthia Kristinek (806) 632-2432 cjkristinek@yahoo.com Jay Lindley (806) 369-9369 jayl@amaonline.com (806) 828-3568 Lee Meurer lee@meureragency.com Mickey Mullen (806) 797-2810

LODGE 160 SAN ANGELO (4)

2014 SPJST Life Insurance and Annuity Extra

LODGE 169 BRENHAM (1)

Lodge Meetings: Fourth Thursday of February, April, June, August, October, and December at 6 p.m. at Mobius Coffeehouse and Pizza Connection, 1120 South Market Street, Brenham. Meal, social, and meeting from 6 to 8 p.m. The December meeting is on the first Sunday at 12 noon. Secretary Lenora Bliznak (979) 836-9875

Sales Agents Donald Strickland (979) 820-8879 donj.spjst@gmail.com Nello Strickland (979) 451-3229 ndstrickland@yahoo.com

LODGE 172 PASADENA (5)

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

Lodge Hall: 3609 Preston Road, Pasadena, Texas.

Sales Agents James Baker (325) 224-3369 Martha Broz, FIC (325) 442-3271 Bobby G. Davis, FICF, CFFM (254) 239-9153 bobbyd@spjst.com Sylvia Garivay (325) 212-8444 sgarivay@yahoo.com Jacquelyn Gift (325) 212-6456 jacke_gift@yahoo.com Chandra Graves (325) 514-0788 chand_wilde@hotmail.com Leonard A. Jansa, FIC (325) 651-8045 ljansa@zipnet.us Patti Pool (325) 949-8499 pattipool@yahoo.com Joshua Shockley (325) 653-7280 shockins@suddenlinkmail.com Lydia Talamantez (325) 658-1830 lillyg636@yahoo.com Sam Tambunga (325) 944-8836 samt@samuelinsurance.com Danny Wilde (325) 277-9900 dwcompost9978@yahoo.com

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

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

LODGE 162 IOWA COLONY (5)

Lodge Meetings: First Sunday of each month at 2 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony, Texas. Secretary Geraldine Kucera Frank (281) 431-1474 geri_frank@yahoo.com

Youth Club Meetings: First Sunday of each month at 2 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony, Texas. Youth Leader Brenda Moyle (281) 369-3503 • brenda@moblaw.com

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

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

Secretary Jerry Dressler (281) 488-1405 • jcdressler@att.net

Sales Agent Kerry Herrington (281) 704-5737 kerryherrington@yahoo.com

LODGE 177 ACADEMY (2)

Lodge Hall: 711 Rio Poco, Little River, Texas. Directions: Lodge building is located on south side of Academy on Highway 95. Hall Rental Information (254) 982-4530 Hall Phone: (254) 982-4434

Lodge Meetings: Second Wednesday of each month at 7 p.m. at the lodge hall. Secretary Joanne Hutka (254) 865-2029 • wjjahutka@htcomp.net

Sales Agents Linda Johnson (254) 780-2198 johnson920@att.net Nancy Miller (254) 983-0011 nancym@spjst.com Luann Schiller-Van Lier (254) 231-4918 luanntx@msn.com

LODGE 179 WARRENTON (1)

LODGE 183 ARLINGTON (3)

LODGE 180 BURLESON (3)

Lodge Hall: 1150 South Burleson Boulevard, Burleson, Texas. Directions: Interstate 35 West, one-quarter mile south of Hidden Creek Parkway exit in Burleson, Texas. Hall Rental Information (817) 558-2400 • (817) 295-3483 (817) 371-0255 • (972) 268-0022 Hall Phone: (817) 295-9665

Lodge Meetings: First Tuesday of each month at 6:30 p.m. at the lodge hall. Secretary Rhonda Hurtik (972) 268-0022

Nancy Kelly

Sales Agent

(817) 558-7347

LODGE 181, CONROE (5)

Lodge Meetings: Fourth Monday of each month at 6 p.m. at Central Library in Conroe. Secretary Charles Toney III (281) 362-9062 • cdtiii@toney.us

Youth Club Meetings: Fourth Monday of each month at 6 p.m. at Central Library in Conroe.

Youth Club Meetings: Fourth Monday of each month at 5:30 p.m. at Central Library in Conroe. Youth Leader Artresa Johnson (936) 581-2564 • artresacj@aol.com

Sales Agents John Cole (936) 662-6440 john@coleinsofhuntsville.com James Dinaso (281) 836-3649 jimdinaso@gmail.com (832) 407-4272 Joshua Grimes (832) 767-8665 josh@thegrimes.com Artresa Johnson (936) 581-2564 artresacj@aol.com Charles Toney III (281) 362-9062 cdtiii@toney.us Barbara Williams-Rash (936) 295-7778 b.d.willrash@att.net

LODGE 182 FALLS COUNTY (2)

Lodge Meetings: Third Sunday of each month at 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin, Texas. Secretary Becky Beckendorf (254) 749-5732 beckyb.bltb@gmail.com

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

Youth Club Meetings: Third Sunday of each month at 2 p.m. at The Chicken Place.

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

Sales Agent Darrell Allen (254) 803-3556 dallen_mpol@yahoo.com

Secretary Ricky Weyand (979) 249-5679 • rickylw59@yahoo.com

Youth Leader Becky Beckendorf (254) 749-5732 beckyb.bltb@gmail.com

Lodge Hall: 3100 Pleasant Valley Lane, Arlington, Texas. Directions: Take Interstate 35 West to Fort Worth. Take the Interstate 20 East exit and proceed on Interstate 20 East until you come to the Cooper Street exit. Take the Cooper Street exit to the North and stay on Cooper Street until you come to Mayfield Street. Take a right on Mayfield and go down and take a left on Pleasant Valley. Hall Rental Information (817) 465-8538 • (214) 876-9029 Hall Phone: (817) 465-8538

Lodge Meetings: Second Monday of each month at 7 p.m. at the lodge hall. Secretary Darlene Hollingsworth (817) 417-6071 dhollingsworth@rangeresources.com

Youth Club Meetings: Last Friday of each month at 7 p.m. at the lodge hall. Youth Leader Debra Daniel (817) 472-6261 ddaniel108@sbcglobal.net

Sales Agents Sabino Garcia (817) 909-8899 garciasabi@att.net Eugene Havran (817) 467-3010 eugenehav@yahoo.com Ray Jordan, Jr. (817) 477-7351 rjordanw2000@live.com Rodney Powell (214) 404-0111 rodneypowell8047@yahoo.com Jennifer Rodriguez (817) 496-9111 ornelasinsuranceagency@gmail.com Daniel Roznovsky, FIC (972) 252-6763 droz1@verizon.net Rhonda Steelman (972) 294-1043 rhonda.steelman@yahoo.com

LODGE 184 MOULTON (6)

Lodge Hall: FM 532 West, Moulton, Texas. Directions: From Texas 95 in Moulton, take FM 532 West four miles. Lodge hall is located on the right. Lodge Meetings: Second Wednesday of each month at 7:30 p.m. at the lodge hall. Secretary Duckie Baetz (361) 596-4657 • duckiebaetz@gvec.net

LODGE 185 NEW BRAUNFELS (7)

Lodge Meetings: Every other month—February, April, June, August, October, and December. Call for meeting date, time, and location. Secretary Cindy Schmidtzinsky (512) 787-9334 • cks78666@yahoo.com

Youth Club Meetings: Call for meeting date, time, and location. Youth Leader Theresa Haag (830) 625-8262 theresa.haag686@gmail.com

April Howard

Sales Agent

(830) 626-3303

LODGE 186 CALDWELL (1)

Lodge Hall: 937 State Highway 36, Caldwell, Texas. Directions: Lodge building is located just off Highway 36 on the south side of Caldwell, next to Burleson County Fairgrounds. Hall Rental Information (979) 567-4264

2014 SPJST Life Insurance and Annuity Extra

Sales Agents Frank Bosquez, Jr. (979) 739-6884 Henry P. Mayo (979) 693-5818 hpmayo1@verizon.net Uldric Zemanek, Jr. (979) 822-3277 buddyzmf@verizon.net

LODGE 191 LUFKIN (5)

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

Lodge Hall: Texas.

Youth Club Meetings: First Sunday of each month at 2:30 p.m. at the lodge hall.

Lodge Meetings: Monday before the third Friday night of each month at 7 p.m. at the lodge hall.

Sales Agents Thomas Cannon (979) 567-4264 jtcannon60@hotmail.com Margaret Haisler (979) 272-8657 margarethaisler@hotmail.com Michelle Mendez (979) 567-9144 m-r-mendez@tamu.edu Victor Mendez, Jr. (979) 567-9144

Sales Agents Calvin Anderson, II (936) 634-1962 clandy1962@yahoo.com Tucker Weems (936) 634-4081 tucker@sgtitle.com

Secretary Michelle Mendez (979) 567-9144 m-r-mendez@tamu.edu

Youth Leader Yolanda Brinkman (979) 567-0637 ymbrinkman@cvm.tamu.edu

LODGE 187 ROUND ROCK (2)

Lodge Hall: 920 Luther Peterson Place, Round Rock, Texas. Directions: From Taylor, take Highway 79 into Round Rock until you get to Sunrise. There will be a 7-11 store on the right. Turn right and proceed past Hopewell School. Continue through the fourway stop. Luther Peterson Boulevard is the first street on the left. From Temple, take IH 35 South. Just past Georgetown, exit on University Boulevard. Proceed to stop sign. Take left on University Boulevard The third street is Sunrise. Take right onto Sunrise. The second street to the right will be Luther Peterson Boulevard. Hall Rental Information (512) 255-1554 • (512) 771-4948

Lodge Meetings: Second Sunday of each month at 3 p.m. at the lodge hall. Secretary Deborah Rohlack (512) 897-2616 • deborah_rohlack@dell.com

Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Youth Leader Jennifer McCarthy (512) 565-9156 • jsupak@gmail.com

Sales Agents Christopher Giesenschlag (830) 385-6955 cgiesenschlag94@gmail.com Rubie M. Volek, FIC (512) 771-4948 rubiebr@sbcglobal.net

LODGE 189 BRYAN-COLLEGE STATION (1)

Lodge Meetings: Second Sunday of March, June, September, and December at 2 p.m. at Charles Munday’s office, 416 Oak Street, Bryan, Texas (behind the Kettle Restaurant on Texas Avenue). Secretary Gerald Rieger, Sr. (979) 778-1592 • riegergeraldb@gmail.com

197 Hughes Street, Lufkin,

Hall Rental Information (936) 875-2867 Hall Phone: (936) 637-2706

Secretary Patricia Ann Scogin (936) 875-2867 georgepat@consolidated.net

LODGE 196 HOUSTON-WEST (5)

Lodge Hall: 17810 Huffmeister Road, Cypress, Texas. Directions: Off Highway 290 West at Skinner. Hall Rental Information (281) 351-1045 • (281) 373-9482 Hall Phone: (281) 373-9482

Lodge Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Secretary Deann Beckendorf (254) 275-8028 joh.becken@yahoo.com

Sales Agents Deann Beckendorf (254) 275-8028 joh.becken@yahoo.com Mark Childres (832) 496-6646 childresins@att.net Delisle Doherty (254) 239-9616 delisled@spjst.com Donald Fruin (832) 651-5388 dfruin@fruinandassociates.com Cecil Penright (281) 820-3677 cpenright@yahoo.com Cecil Roberts, FIC (281) 498-0307 cecrobie@sbcglobal.net

LODGE 200 BRUCEVILLE-EDDY (2)

Lodge Meetings: First Wednesday of each month at 6:30 p.m. at Taylor Hall/BrucevilleEddy Senior Center. Secretary Blanche Shollenberger (254) 859-3899 blanchesholl@sbcglobal.net

Sales Agents Sandra Garrett (254) 938-2424 garrett.sandra11231@yahoo.com David Nauert, FIC (254) 534-0809 davidn@vvm.com

LODGE 201 BLEIBLERVILLENELSONVILLE (1)

Lodge Hall: 3948 FM 2502, Bleiblerville, Texas. Directions: Lodge building is across the street from the post office in Bleiblerville. Hall Rental Information (979) 830-0796 • (979) 830-0118

Lodge Meetings: Second Sunday of each month at 3 p.m. at the lodge hall. Secretary Elaine Duron (979) 836-5446

LODGE 202 JOURDANTON (7)

Lodge Meetings: First Sunday of each month at 2 p.m. (March, June, September, and December at 1 p.m.) at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton, Texas. Secretary Bettie House (830) 281-8246 • bvhouse@att.net

Youth Club Meetings: First Sunday of each month at 1:30 p.m. (March, June, September, and December at 1 p.m.) at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton, Texas. Youth Leader Regina House (830) 569-5070 • spjst202youth@gmail.com

Sales Agents Janice Favor (830) 429-3090 jfavor1@satx.rr.com Chester Gail Lee (830) 579-4714 cgrlee@sbcglobal.net Linda Ramey, FIC (830) 393-3320 linda@rameyins.com Catherine Sadler (210) 347-6021 sadlercj@hotmail.com

LODGE 204 STEPHENVILLE (3)

Lodge Meetings: Call Norman Kneschk (254) 386-3222 or email normk_82@hughes.net for meeting date, time, and location. Secretary Sandra Pierce (254) 485-5801 sklpierce@hotmail.com

Youth Club Meetings: Call youth leader for meeting date, time, and location. Youth Leader Sandra Pierce (254) 485-5801 sklpierce@hotmail.com

Sales Agents Norman Kneschk, FIC (254) 386-3222 normk@htcomp.net Philip McBee, FICF, CFFM (254) 239-7580 philm@spjst.com Floyd Pierce (254) 965-5953 sklpierce@hotmail.com Sandra Pierce (254) 485-5801 sklpierce@hotmail.com Joyce Russell, FIC (254) 796-4969

LODGE 207 IOWA PARK (4)

Lodge Meetings: Third Thursday of each month at 6 p.m. Call lodge secretary or sales agents for meeting location.

Secretary Joyce Kotulek (940) 855-0882 dkotulek@clearwire.net

Sales Agents Dennis Kotulek (940) 855-0882 dkotulek@clearwire.net Joyce Kotulek (940) 855-0882 dkotulek@clearwire.net

LODGE 215 SOUTH PLAINS (4)

Lodge Meetings: Every third Sunday of January, March, May, July, and September at 6 p.m. Contact Secretary Pam Lehmann (806) 561-5105 for location. Secretary Pam Lehmann (806) 561-4822 • plehmann@poka.com

Youth Club Meetings: Third Sunday of each month at 5 p.m. Contact Youth Leader Janeece Williams (806) 990-3351 for location. Youth Leader Janeece Williams (806) 495-3351 • jkraa5@yahoo.com

Sales Agents Cynthia Flores (806) 729-9880 cindy_er2006@yahoo.com Leah Flores (806) 293-2651 leahflores101_hotmail.com Roxanne Garcia (806) 518-4801 roxyg79072@gmail.com Jo Della Turpen (940) 779-3446 joturpen@netcommander.com Johnie Turpen (806) 543-0433 ragmando@yahoo.com Johnie Turpen, II (806) 895-4448 ragmando@yahoo.com Melissa Turpen (806) 293-2651 ragmando@yahoo.com Janeece Williams (806) 495-3351 jkraa5@yahoo.com

LODGE 219 EL PASO (4)

Lodge Meetings: Second Wednesday of each month at 9 a.m. Call lodge secretary for meeting location. Secretary Edna Rivas (915) 727-2048 • elmireles@yahoo.com

Sales Agents Ana Ahumada, FIC (915) 867-8007 anajahumada@gmail.com Ana Albo-Bonilla (915) 694-0846 ana.albo@lycos.com Erika Cordero (915) 691-1949 ericor76@yahoo.com Victor Corral (915) 790-7108 vmcorral@yahoo.com Guillermo Dieguez (915) 252-7324 Hilda Escajeda (915) 328-4915 escajedahr@yahoo.com Javier Felix (915) 202-4386 javier19912@msn.com Sylvia Fernandez (915) 584-7697 sylviacfernandez@hotmail.com Ivan Grajeda (915) 540-1253 grajeda.iflex@gmail.com Luis Grajeda, Jr. (915) 867-3399 lsgrajeda@yahoo.com Julian Guedea (915) 926-9503 guedeag@yahoo.com Denise Guzman (915) 538-6253 akai.guzman@gmail.com Gloria Guzman (915) 588-9815 epgguzman@yahoo.com Vilma Koch (915) 227-4368 cardonins@att.net Elizabeth McCue (915) 203-4710 lizmccue@q.com Elizabeth McKula (915) 843-7578 emckula@gmail.com Maria Del Rosario Martinez (915) 637-4495 rosari4416@yahoo.com Baltazar Nunez, FIC (915) 584-8484

onebestidea@yahoo.com Max Parra, Jr. (915) 433-7123 maxgparra@gmail.com Jesus A. Perea (915) 494-1009 Jose D. Perez (915) 313-5220 jpere374@gmail.com (915) 245-8725 Diego Quezada (915) 219-2128 dqzda@yahoo.com Guadalupe Rangel (915) 921-1860 guadaluperangel@msn.com Julio Rangel (915) 856-3619 rangeljr7@yahoo.com Alejandro Rivas (915) 857-7216 alex_rrivas@yahoo.com (915) 630-8074 Arnulfo Rivera, FIC arnulfok5@yahoo.com Alma Rodriguez (915) 772-2493 rose_rodriguez16@hotmail.com Bertha Rodriguez (915) 778-5562 Gabriela Rodriguez (915) 999-3768 rodriguezgabriela13@yahoo.com Gabriela Sanchez (915) 412-2141 Homer B. Segura, Jr. (915) 217-4136 hbsegura2012@yahoo.com Rafaela Silva (915) 613-7805 trinityinsurance@rocket.net Miguel A. Torres, Jr. (915) 920-2896 torrmig07@gmail.com

LODGE 229 ABILENE (4)

Lodge Meetings: Second Tuesday of each month at 6 p.m. Call for meeting location. Secretary Tammy Copeland (325) 333-4089

Youth Club Meetings: Contact youth leader for meeting date, time, and location. Youth Leader Deborah Stevens (325) 537-2074 debbie5714@netscape.com

Sales Agents Jesusita Hudson (325) 370-0573 suziqandlvh@yahoo.com Jerry O’Briant (325) 235-2671 hoehand2@sbcglobal.net Kathleen Ramos (432) 425-1163 kathy_711up@yahoo.com Mark Smith (325) 572-4288 businessmark@marksmithinsurance.com Janice Stevens (325) 537-9224 stemarjan@taylortel.net Linda Tipton (254) 485-3289 tipton.ll@hotmail.com

LODGE 230 MIDLAND (4)

Lodge Meetings: Call for meeting date, time, and location. Secretary Diana Ramirez (432) 889-8487

Sales Agents Jana Behen (432) 301-3517 braden.jana@yahoo.com

2014 SPJST Life Insurance and Annuity Extra

Olivia Madrid (432) 349-9378 omadr4@aol.com Velia Mestas (432) 336-5200 veliam@samuelinsurance.com Laura Ritchie (432) 336-3270 katay@hotmail.com Jimmy Slatton (432) 683-0812 speedyjscrib@yahoo.com

LODGE 246 MORGAN’S POINT (2)

Lodge Meetings: First Monday of each month at 6 p.m. at SPJST Home Office, 520 North Main Street, Temple, Texas. Secretary Ingrid Petrik (254) 760-1831 itcp315@gmail.com

Youth Club Meetings: Contact youth leader for meeting date, time, and location. Youth Leader Trish Konkler (254) 780-9012 • tkonkler71@yahoo.com

Sales Agents (254) 458-5781 Ronnie Gaines Tamara Gettys (254) 598-2831 tamarag@spjst.com James Hutto (325) 247-5918 terry@huttoins.com Michael Miller (254) 913-6641 mmiller10@farmeragent.com Marissa Salinas (254) 220-9240 marisal0525@yahoo.com Mary Shockley (325) 277-6467 m2sweet22@yahoo.com

LODGE 258 SEGUIN (7)

Lodge Meetings: Fourth Sunday of each month at 4 p.m. at Alumni Student Center, conference rooms A and B, on the Texas Lutheran Campus, Seguin, Texas. Secretary Henrietta Lowak (210) 667-1435 • hjlowak@yahoo.com

Sales Agents Dominga Esquivel (512) 396-0642 dotesquivel@hotmail.com Chester Jenke, Sr., FICF (830) 303-4316 cejenke@gvec.net Colleen Jenke (830) 303-4316 jenkecw1@aol.com Kurt 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)

LODGE 94, WHEELOCK (1)

LODGE 57, GONZALES (1)

LODGE 101, GAINESVILLE (3)

LODGE 82, ENNIS (3)

LODGE 106, LA GRANGE (1)

Secretary James Kubecka (361) 865-2677 Secretary Tommy Wilson (830) 672-3614

Secretary Miles S. Strunc (972) 875-6757

Secretary Lloyd Scasta (979) 589-2328 Secretary Rudy Paclik (940) 668-6259

Secretary Charlie Ripper (979) 968-5603

LODGE 125, WESTHOFF (6) Secretary Edwin A. Baros (361) 275-8877

LODGE 149, ALVIN (5) Secretary Carole Truksa (281) 585-3143

LODGE 171, LOCKHART (1)

Sales Agents Carol Castillo (512) 787-3430 carol@the-insurance-team.com William “Bill” Cleveland (512) 488-2282 william@the-insurance-team.com Carlos Eureste (512) 529-5429 eurestelinda@yahoo.com (512) 412-2271 Milagros Eureste spjstmilagros@gmail.com Tracy Kennemer (512) 227-4203 tracy@the-insurance-team.com Gloria Peralez (512) 749-5551 cristal@the-insurance-team.com Clint Roberts, FIC (512) 398-6755 clint@the-insurance-team.com Kelsey Schawe (512) 376-5141 kelsey@the-insurance-team.com Kenneth Schawe (512) 398-4433 ken@the-insurance-team.com Carrie Staton, FIC (512) 738-0801 carrie@the-insurance-team.com

LODGE 178, LONGVIEW (3)

Sales Agents Ronnie Ballard (903) 785-0467 ronnie@ballardinsurance.net Vicki Ballard (903) 785-0467 vicki@ballardinsurance.net Fredrick Miller, Jr. (903) 639-1990 lonewolf-insurance@insurer.com Larry Quinn (903) 753-8338 larrydquinn@aol.com (903) 297-1441 Lee Ann Shinn (903) 539-3369 lashi@suddenlink.net

LODGE 188, CENTERVILLE (1)

Sales Agents Sharon Carrigan (979) 828-5249 Glynn Caudle (903) 208-1364 grcaudle@aol.com Mary Caudle (903) 208-1201 caudle98@aol.com Belinda Liner (979) 280-0221 gailfbc@windstream.net Rhonda Stover (979) 828-5041 rsins@valornet.com

LODGE 206, TRI COUNTIES (3) Secretary Wilmer Herring (254) 562-7508 • wilmerh@netv.com

Sales Agents David G. Cooper (254) 353-2012 dcooper@windstream.net Melissa Pew (254) 729-5005 (254) 729-3433 coffee.insurance@yahoo.com

LODGE 223, PALACIOS (6)

Al Pena Robert Solis

Sales Agents (361) 558-1696 (361) 972-2420

LODGE 226, CORSICANA (3)*

Sales Agents Denise Brown (903) 874-5242 joepeg@sbcglobal.net Doris Horne (254) 722-9760 dhorne822@aol.com Oda Ruth Martin (903) 425-4842 odamartin@hotmail.com

LODGE 234, LULING (1)

Sales Agents Ardis Maxwell (830) 875-3960 rob1956@att.net Boyd Maxwell (830) 875-3244 rob1956@att.net

LODGE 238 GOLDTHWAITE (4)*

Sales Agent Kim Wesson (325) 648-3065 kwesson@centex.net Fax: (325) 648-3067

LODGE 242, AMARILLO (4)*

Sales Agents Lesa Browning (940) 585-4625 tellgatelb@yahoo.com Helen Lambert (940) 937-2077 slins79201@sbcglobal.net

LODGE 256 DENVER CITY (4)*

Sales Agents Dennis Haralson (432) 758-5886 dennis@morre_haralson.com Susan Leach (806) 592-9184 sleach@valornet.com

LODGE 264, PLANO (3)*

Sales Agent Dennis Bradford, FICF (972) 215-6999 dbradford42@yahoo.com

LODGE 265, ODESSA (4)*

Sales Agents Carl Carson (806) 647-2522 cdcarson@wildblue.net Stanley Huffty (432) 638-1681 stan_readydrill@yahoo.com Kerry Woodard (432) 550-2211 woodardk@att.net

LODGE 272, DEL RIO (4)*

Sales Agents Loida Arellano (830) 469-9789 loidaac26@yahoo.com Taide Blas (830) 719-6899 Maribel Canela (830) 374-2844 mlcanela@yahoo.com Juan Diego (830) 719-9342 diegoj@wconline.net Ayde B. Garcia (830) 422-2887 monalisa_2205@hotmail.com Lisa Garcia (830) 313-8601 lisagarcia.agent@gmail.com Celia Hernandez (830) 422-6532 celiahdz3@gmail.com Tammy Hyslop (830) 734-1048 tammyhyslop@hotmail.com Theresa Murray (830) 313-0975 tmurray3@sbcglobal.net Martin Olvera (830) 298-7672 Kathryn Raabe (830) 719-3131 dzertuche@stx.rr.com Rolando Vargas (830) 469-9003 rgvargas@live.com

* Lodge Not Organized

SPJST has stood the test of time to meet your needs for every stage in life.

We are here to help you and your family. Please call on us at 800-72-SPJST Home Office: 520 North Main Temple, Texas 76501

Source: Kinder Brothers

info@spjst.org www.spjst.org