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A special VĚSTNÍK publication. Volume 104 Number 12 ISSN —07458800 2 2016 SPJST Life and Annuity Extra

SPJST OFFICERS FRATERNAL FIELD MANAGERS 2016 SPJST President Brian Vanicek, FIC DISTRICTS ONE/TWO/THREE Office: 254-773-1575 Philip (Phil) McBee, FICF, CFFM and Annuity Extra Mobile: 254-534-2902 Mobile: 325-647-1949 Home: 254-985-0007 Fax: 325-784-7448 [email protected] [email protected]

Published March 23, 2016, in lieu of the Vestnik (VOLUME 104, NO. 12), the Vice President DISTRICTS FOUR/SEVEN 2016 SPJST Life Insurance and Annuity Extra provides a summary of general Clifton Coufal, FIC Bobby Davis, FICF, CFFM insurance information and of the insurance plans and annuity programs available Office: 254-773-1575 Mobile: 325-450-3748 to qualifying SPJST members and prospective members. Mobile: 254-931-5231 Fax: 325-657-2003 [email protected] [email protected]

Secretary-Treasurer DISTRICTS FIVE/SIX Leonard D. Mikeska, FIC Delisle Doherty Table of Contents Mobile: 832-232-2049 SPJST Insurance Department Staff ...... 3 Office: 254-773-1575 Fax: 281-855-3039 SPJST Celebrates 119 Years of Fraternalism ...... 4 Mobile: 254-721-4739 [email protected] Annual Reviews Available to all Members ...... 6 Home: 254-778-3720 How often should I review my SPJST certificate? ...... 6 [email protected] Different types of life insurance ...... 7 Financial Secretary Tips on buying life insurance ...... 7 STATE FRATERNAL Roy Vajdak Affordable Insurance Options ...... 8 ACTIVITIES COORDINATOR Office: 254-773-1575 Should I buy life insurance through work or on my own? ...... 8 [email protected] What you should know about buying life insurance ...... 9 Frank Horak How to purchase insurance: Choosing an agent ...... 9 Office: 254-773-1575 Mobile: 254-534-0681 How to purchase insurance: Choosing a policy ...... 10 [email protected] How to purchase insurance: Questions about a policy ...... 14 SPJST DIRECTORS What is an annuity? ...... 16 Why should I consider purchasing an annuity? ...... 16 Donnie Victorick, FIC, CFFM How are annuities different from life insurance? ...... 17 District One PO Box 85 STATE YOUTH DIRECTOR What are the different types of annuities: fixed vs. variable ...... 17 Snook, Texas 77878-0085 Home: 979-272-3265 Lynette Talasek What is the difference between a fixed and variable annuity? ...... 18 Mobile: 979-224-3125 Office: 254-773-1575 What are deferred and immediate annuities? ...... 18 [email protected] Mobile: 254-931-0639 How much should I invest in an annuity? ...... 19 [email protected] What is a “free-look” provision? ...... 19 Jesse Pospisil What are surrender fees? ...... 19 District Two 4710 FM 1331 SPJST Annuities ...... 19 Taylor, Texas 76574-2164 SPJST Youth Program Aims High ...... 21 VĚSTNÍK Home: 512-365-1110 SPJST’s Weekly Member Newspaper SPJST Scholarships and Grants ...... 22 Mobile: 512-826-7371 SPJST Mortgage Loan Program ...... 22 [email protected] SPJST Supports Established, Fledgling Charities ...... 22 Editor/Director of Communication Melanie Zavodny, FIC SPJST Endowed and Sponsorship Scholarship Opportunities ...... 23 John Engelke Office: 254-773-1575 Directory of SPJST Lodges, Youth Clubs, and Sales Agents ...... 24-31 District Three 6475 Gholson Rd Mobile: 254-534-0807 SPJST HOME OFFICE Waco, Texas 76705-5330 Fax: 254-773-8087 PO Box 100 • Temple, Texas 76503 Home: 254-799-4247 [email protected] 800-727-7578 • 254-773-1575 • Fax: 254-774-7447 • www.spjst.org [email protected] Billy Rollwitz, FIC, CFFM What is SPJST? District Four PO Box 195 Rowena, Texas 76875-0195 We insure and enrich lives. Home: 325-442-3141 Mobile: 325-277-5362 Office: 325-442-3038 [email protected] What is Larry W. Pflughaupt, FIC SPJST’s vision? District Five 1243 Clovis Rd Houston, Texas 77008-6232 Our vision is to provide Home: 713-864-2163 [email protected] a wholesome family

Karen Kaspar, FIC, CFFM environment; District Six 8550 N State Highway 71 El Campo, Texas 77437-9819 to encourage cherished VĚSTNÍK, (USPS 658480) is published weekly except the last week of Septem - Home: 979-543-2532 Czech traditions; ber and the fourth week of December by VĚSTNÍK, PO Box 100, Temple, TX Mobile: 979-332-1616 76503-0100. Subscription rates are $25 per year for non-members. Members’ [email protected] fees are paid as part of the insurance fee collected by SPJST, 520 North Main, and to provide Temple, TX 76501. Second-class postage paid at Temple, TX and additional mailing offices. The exchange of opinions, ideas and information is a vital aspect Bob J. Bayer, FIC high quality, competitive of our fraternal Society and enables us to make more informed decisions. The District Seven 4188 FM 1303 views expressed by writers in the Vestnik do not necessarily represent the views life insurance of the Editor or SPJST management. Please sign all correspondence intended Floresville, Texas 78114-6092 for publication. POSTMASTER: Send address changes to VĚSTNÍK c/o Finan - Home: 830-393-2872 for our members. cial Secretary Roy Vajdak, PO Box 100, Temple, TX 76503-0100. [email protected] 2016 SPJST Life Insurance and Annuity Extra 3 • • • • • • • • • • • • SPJST Insurance Department Staff • • • • • • • • • • • e e e e c c e c c i i i i c v v i v v r r v r r e e r e e S S e S S

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8 1 3 9 Home Office Dana Boyd Virginia Longoria Lisa Mills Doni Powell 520 North Main Administrative and Member Service Administrative Assistant Underwriting Assistant Representative to the Vice President Underwriter Street Temple, Texas www.spjst.org e e e e c c c i c i i i v v v v r r r Contact Information r e e e e S S S

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0 5 2 Delivery Address: 8 5 1 1 520 N Main St Temple, TX 76501-3247 Toll Free Phone: Susan Shofner Lori Slack Doris Tyroch Donica Zabcik 800-727-7578 Customer Service Insurance/Beneficiary Certificate Issue New Business Marketing Temple Area Phone: Specialist Specialist Technician and Research Technician 254-773-1575 4 2016 SPJST Life Insurance and Annuity Extra SPJST Celebrates 119 Years of Fraternalism 1897 - 2016: A Colorful History, A Bright Future The Basics of Fraternalism In 1897, there were 27 C.S.P.S. supported by SPJST in 2016 include north. Fayetteville, originally a Ger - and an SPJST Overview lodges in Texas. Founded in 1854 in the FAOT Bowling Tournament in man settlement, became Czech by the Through 103 lodges throughout the St. Louis, Missouri, by Czechoslovak New Braunfels on February 13 and the 20th century. The city is often called State of Texas, SPJST offers products immigrants, C.S.P.S was organized to FAOT Legislative Awareness Day at “the cradle of Czech settlement in and services that offer protection, that provide security for their widows and the Texas State Capitol on Tuesday, Texas.” celebrate achievement and that bring children upon their death. The C.S.P.S. April 14. people together. Insuring and enrich - truly laid the groundwork for a modern C.S.P.S. Established Lodges in Texas ing lives. That’s our mission statement. fraternal in this country, which served Czech Immigration to Texas As previously noted, during the That’s what we’re all about. as a model for many other fraternal Paved the Way for SPJST 1880s and 1890s, many of the Texas SPJST members need to be familiar benefit societies in America organized The Texas Almanac provides us with Czechs joined a nationwide fraternal with their Society, how it works, and in later years. a summary outline of the history of order called C.S.P.S. — Cesko-Slovan - what it has to offer. Understanding the For more than 150 years, fraternal Czech immigration to Texas. In De - ska Podporujici Spolecnost. In 1897, basis of “fraternalism,” how SPJST organizations have been a force for cember 1849, Reverend Josef Arnost there were 27 C.S.P.S. lodges in Texas. started and how it grew all contribute good in North America. In addition to Bergmann left his Czech homeland to In spite of the rapid growth of our understanding of the Society and providing life insurance, they serve minister to German Protestants in C.S.P.S. in Texas, considerable discon - the high ideals of Benevolence, Hu - their members and society at large Texas. tent existed among the members from manity, and Brotherhood that it seeks through cultural, social, educational, Pastor Bergmann and his family ar - Texas and the Midwest. The primary to convey. and various civic and fundraising ac - rived in Galveston in 1850 and made concern was that C.S.P.S. insurance tivities. their way to Cat Spring. There in premium guidelines favored the indus - What’s the meaning of “fraternalism?” Democratic principles are an impor - Austin County, he led the Easter serv - trial workers in the eastern part of the SPJST is a fraternal organization. tant aspect of membership in a fraternal ice for the congregation that had hired United States. Those workers had a You hear that a lot. What does it mean? organization. Members elect their him, and he soon wrote a letter prais - much higher mortality rate than the A good place is by examining the word local officers as well as their society’s ing Texas to friends and family back people living in Texas. As such, the itself. The word “fraternal” is derived directors and officers. home. premiums were considered to be overly from the Latin fraternalis which means That letter, published in the expensive. “of, or befitting a brother.” Strength in Numbers Moravské Noviny (Moravia News), Texas Delegation Fraternalism and fraternal life insur - American Fraternal Alliance, suggested opportunity to the families Takes Decisive Action ance are founded upon the principle formed in 1886, unites 70 not-for-profit struggling on the overcrowded farm - Texas C.S.P.S. members I.J. Gallia that every individual is his brother’s fraternal benefit societies operating in lands of Central Europe. Also, it of - and J.R. Kubena led the efforts to re - keeper and that each of us has a re - 50 states, the District of Columbia, and fered hope to merchants and craftsmen form the national C.S.P.S. Shortly after sponsibility to help each other. It was Canada. Alliance member societies left frustrated after the failure of the the 1896 C.S.P.S. convention, Texas this spirit of doing good to each other represent nearly 10.5 million individu - 1848 social uprisings on the European Czechs met in La Grange, Texas, and that inspired the idea of the earliest fra - als. continent. set about the task of forming a new fra - ternal societies. SPJST is proud of its longstanding Bergmann’s letter was the catalyst ternal organization. Augustin Fraternalism — this spirit of broth - relationship with the Alliance. In re - of opportunity that has earned him the Haidusek, Frank Cihal, and J.R. erhood — was expressed in the loosely cent years, various SPJST programs designation of “father” of Czech immi - Kubena were charged with the respon - organized and semi-religious societies and members and officials have been gration to Texas. sibility of drafting a constitution. of ancient Greece which provided fi - cited for fraternal excellence, including By the Civil War, there were about In March 1897, the constitution was nancial aid to their members in times top recognition in the Alliance’s Fra - 700 Czechs in Texas, many with submitted to the Texas C.S.P.S. lodges of sickness and death. ternalist of the Year program. Unionist and abolitionist sentiments. for their consideration. Seven of the 25 These early societies had another Over the years, SPJST officials have However, some fought in the Confed - C.S.P.S. lodges approved the constitution purpose, too. In addition to providing also held various leadership roles erate army, while others tried to remain and withdrew from the older society. financial support to the families of de - within the Alliance. Each year through neutral. Official records indicate that SPJST parted members, they recognized the this unique structure, members of fra - A second wave of Czech immigra - — Slovanska Podporujici Jednota social need of human beings for com - ternal benefit societies invest more than tion in the 1870s and 1880s followed Statu Texas — panionship. As a result, these early 92.5 million hours in community the war. These Czech settlers estab - started operations friendly societies and provided works and contribute more than $414 lished themselves on the Coastal on July 1, 1897, a way for people to meet at friendly million to charitable programs sup - Prairie and the Blackland Prairie from with 866 mem - gatherings. porting community service projects Ellis County near Dallas in the north to bers and 25 making it one of the largest volunteer Victoria County on the south. A third charter lodges. SPJST’s Fraternal Roots Go Deep networks of community and social wave after 1900 moved eastward to SPJST received SPJST’s roots run deep in the his - service providers in existence. Brazoria and Fort Bend counties near its state charter tory of the American fraternal benefit In 2015, SPJST members con - Houston. on August 12, 1897. system. During the 1880s and 1890s, tributed more than 110,000 hours in Texas Czech immigrants settled in SPJST’s first base of operations was many Texans of Czech ancestry joined community service time and more than some 250 communities mostly within located in Fayetteville, Texas. The cen - the nationwide known $326,000 to charitable causes. the Blackland Prairie. The Texas tral figure in administering the affairs as the Cesko-Slovanska Podporujici On the statewide level, Texas-domi - Coastal Plain region also attracted hun - of the Society, Secretary J.R. Kubena, Spolecnost (C.S.P.S.). The organiza - ciled fraternals are united through reg - dreds of families. Generally stated, had his business located in Fayetteville. tion is recognized today as the ular participation in meetings and that represents an area that runs from Until his death in 1938, Kubena ad - Czechoslovak Society of America activities of the Fraternal Alliance Of Corpus Christi on the south, through ministered the affairs of SPJST out of a (CSA). Texas (FAOT). Annual FAOT events Central Texas and up to Ennis on the single room in his general store. 2016 SPJST Life Insurance and Annuity Extra 5 The Early Years SPJST Fields Active Youth Program Youth Achievement Days Fraternal Program From the outset, SPJST made a pos - SPJST’s fraternal program is the real Showcase Skills and Talents Continues to Evolve itive difference in the lives of its mem - deal when it comes to meeting its fra - In addition to its summer camp pro - Whereas Lynette Talasek tends to bers, providing them with the security ternal obligations on an everyday basis. gram, SPJST offers its young members matters of business relating to the of fraternal life insurance and the Through active participation in local a program encouraging them to partic - youth program, State Fraternal Activi - value-added benefit of belonging to a SPJST Youth Clubs and statewide ipate in a range of individual skills and ties Coordinator Frank Horak provides progressive social organization. In events, young members between the talent competitions. The program cul - adult lodges across the state with assis - many families, SPJST became an im - ages of five and 18 develop a greater minates with the State Youth Achieve - tance in the area of officer training, ment Day (YAD) and Royalty Contest, portant part of life. awareness of the common bonds that lodge development and fraternal pro - During SPJST’s first half century, held in Temple on the first Saturday in gramming. Brother Horak also helps to we all share. SPJST youth clubs also August. American society and lifestyles work with community-based organiza - organize many of our SPJST statewide Annually, more than 300 young events and contests. changed dramatically. Texas and our tions, tailoring programs to fit their people from across Texas participate in nation became progressively more in - local needs. State YAD, the grand finale of the sum - Fraternal Services Specialist Tammy dustrialized. Many people including SPJST’s summer camping program mer long district contests. The compe - Martinez, works in the SPJST Home the sons and daughters of our first-gen - fosters a spirit of cooperation, an ap - tition covers talent, speech and crafts. Office, handling fraternal activity ad - eration SPJST members moved away preciation of the natural environment It is efforts such as these ministrative functions as well as or - from farms and into towns and cities. and helps campers to achieve their full that truly symbolize the great potential ganizing SPJST statewide tournaments Oftentimes, they took SPJST with potential. SPJST also sponsors Youth of the SPJST young and old working and assisting with local lodge and dis - them. It was during this period that Achievement Day (YAD) competitions together to achieve common goals and trict activities. District Fraternal Ac - tivities Coordinators, elected at their many of SPJST’s urban lodges were on the district and state levels as an ed - enjoying life together. district spring meetings, also facilitate chartered. It was also near the end of ucational activity for SPJST youth club SPJST Scholarship Program many of the activities that take place in this period — in 1952 — that SPJST members. Contestants field entries in a relocated its Home Office to Temple. Since its inception, SPJST has pre - their respective districts. range of areas including arts and crafts, During the latter half of the 20th sented more than 2,100 scholarships In recent years, SPJST’s fraternal music, dance, drama, and public speak - Century, SPJST continued to provide valued at more than $1.5 million. line-up has expanded to include a wide its members with the security of frater - ing. In the spring of 2014, SPJST pre - range of adult- and youth-oriented ac - nal life insurance and to reinforce a State Youth Director Lynette Talasek sented 62 - $1,000 scholarships to de - tivities as well as opportunities for sense of Czech and District Youth Counselors plan and serving high school seniors and college service and extolling patriotism. In cultural iden - direct activities and programs as well undergraduates. This total does not in - 2009, SPJST took the role in leading tity. Lodge as formulate the rules and regulations clude the many scholarships that are the drive to construct the Fort Hood members for our youth program. Sister Talasek, also awarded by our local lodges. Ad - November 5th, 2009 Memorial in worked dili - assisted by Fraternal Services Special - ditional royalty and merit scholarships Killeen. The site honors the victims ist Tammy Martinez, oversees SPJST’s were presented at State Youth Achieve - and provides a historic record of this gently to es - ment Day in August. tablish youth program. tragedy in order to deliver a message of It is difficult to overstate the value General scholarships were estab - SPJST’s repu - lished in 1982 for all SPJST members. vigilance for generations to come. The tation as a of the collaborative ties that exist General scholarships are funded by the memorial was unveiled and dedicated proactive fra - within the SPJST youth program and Supreme Lodge and voluntary contri - on March 11, 2016. ternal organi - that are nurtured by our statewide Dis - butions by SPJST members. Accord - zation, sponsoring a wide range of trict Youth Counselors, their assistants, ingly, the more funds available, the Regional Rallying Points family-oriented activities, including and youth leaders. They know the im - more scholarships awarded. Leader - In recent years, SPJST has intro - sports teams, dances, picnics, plays, or - portance of working together to ship grants were established in 1996 for duced several new regional fraternal chestras, and choral and dance groups. achieve common goals. Their com - active youth club members. Leader - rallying points for members and In 2016, there are more than 41,500 mitment represents a powerful and ship grants are funded solely through prospective members. Popular frater - SPJST members in 103 lodges located driving force behind the success of the allocations by the Supreme Lodge. nal venues in recent years have in - throughout the state of Texas. SPJST’s SPJST youth program. All scholarship and grant applicants cluded the Fraternal Alliance of Texas life insurance certificate count exceeds must have an active SPJST insurance (FAOT) Bowling Tournament in New 50,000. How to Qualify certificate in force for at least one year Braunfels, Heritage Day at the State to Attend SPJST Summer Camp as of February 1; be a full-time student; Fair of Texas, SPJST Car Show and hold an active SPJST insurance certifi - Czech Heritage Day Celebration (Tem - Generally stated, SPJST camp is cate for the duration of the scholarship; provided on the basis of participation ple/Seaton), Kolache Eating Contests be a high school graduate or equiva - at Caldwell Kolache Festival and Na - in SPJST activities. To qualify for lent; and attend an accredited two- or tional Polka Festival in Ennis, Slavic camp, active youth club members must four-year college, university, or techni - Heritage Festival in Houston, Westfest attend seven out of 12 youth meetings cal college. Cultural Amphitheatre Presentation in the months preceding camp. Any General scholarship recipients may and Horseshoe Tournament, and Cor - youth (previous member or new cer - only receive one general scholarship. pus Christi Get Away Weekend. tificate) who initially joins the youth Active youth club members are en - In June 2007, SPJST organizers co - couraged to apply for both the leader - club must attend the majority of meet - ordinated and hosted Texas’ first Leg - ings to be eligible for camp. Another ship grant and the general scholarship in their senior year of high school; islative Awareness Week at the Texas way to qualify for camp is to attend State Capitol in Austin. That event was seven out of 12 adult meetings in however, they are only eligible to re - ceive one. repeated in 2009, 2011, and 2013 with lodges where there are no youth clubs. All required application materials the Legislative Awareness Day picnic Non-active youth members may attend must be received by the Home Office on the grounds of the Texas State Capi - camp for a fee that is determined by by February 1. tol — each of which has been attended their District Youth Counselor. Youth To request an application, please by more than 500 state legislators and camp funds come from an annual allo - contact Assistant to the President San - staff members. The 2017 event is cation funded by the SPJST Supreme dra Dubcak. You may also go online scheduled for April 14. Lodge. for more information at spjst.org. —SPJST— 6 2016 SPJST Life Insurance and Annuity Extra Annual Reviews Available As part of our continued and valued bership, and you have peace of mind service to our members, SPJST has im - that your loved ones will receive the To All Members plemented a program to ensure that your care they deserve. certificate information, such as named Please take advantage of this service. Thank you for your membership designed to not only provide security beneficiary and insurance coverage, is SPJST has the most competitive insur - in SPJST. You are a valued part of and peace of mind to you and your correct and up-to-date. By reviewing ance products, annuities and IRAs to what makes SPJST a great organi - family, but to provide a better qual - and knowing that your information is meet each family need along with being zation that provides benefits, cover - ity of life with others who value faith, current, you can be assured that you are age, and services. These are all family, and community. receiving the full value of your mem - 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 sales agent. Your name will be entered in SPJST’s monthly drawing.

How Often Should I Review My SPJST Certificate? 110,000service hours If you have a major life event, you should contact your SPJST agent or the $320,000 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 • Fort Hood November 5 Memorial • Death of your spouse • West Benevolence Fund • Ronald McDonald House • Divorce • Animal Shelters • Children’s Hospitals • Taking on the financial responsibil - • Schools ity of an aging parent • Purchasing a new home

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DEDICATED TO COMMUNITIES • Refinancing your home '!".-'&..!+*),*#-(.)+.#,$ .+*.,)(.+&, ,*'$.%,((,+*.'* .(, *,,!'*)$.-*&,!"-(.)"-.$,-(.+.,)(.%-%-&(.'* .)"+(-."+%.)"-.(-&-.*  ..%-%-&(. -+)- .%+&-.)"'*.""""# !!#  )+.)"-,&.!+%%#*,),-(...'$(+. '-.%+&-.)"'*.""""# #! • Coming into an inheritance !# !!#   #,*.  

A VITAL COMMUNITY ROLE For 119 years, SPJST has been a .+&(.,)".'.'&,-).+.$+!'$.'* .()')-, -.(-&,!-.+& '*,'),+*(.)+.%' ,%,-.!+%%#*,).,%'!)...,(.&+# .)+... shining example in Texas of secure in -   &-((."#* -&.,((#-(.)"&+# ".$+!'$  #! ## #!  surance plans and dedicated ideals of # %+-&.$+!'$.$+ -(.)"&+# ".*#%-&+#(.%')!",* .#* (.&+ &'%(.'$$+,* .%-%-&(.)+.' &-((.!+%%#*,).*-- (.,*.)"-,&."+%-)+*( fraternalism. All this is possible be - +*)&,#)-. """# # ! # !! !!#  '* .''& . """"##    #)+.!+$$- -+#* .()# -*)( cause of you, our member. If you have questions or need our assistance in any way from the Home Office, please call InsuringInsuring && EnrichingEnriching LivesLives on us at 800-72-SPJST or 800-727- 7578. We are here to help you. Home Office at 520 North Main Street • Temple, Texas • 800-727-7578 • www.spjst.org —SPJST— 2016 SPJST Life Insurance and Annuity Extra 7 Different types of life insurance Tips on buying life insurance The money your beneficiary re - ceives can help cover expenses and en - Make sure that you fully understand sure that your family is not burdened any policy you’re considering and that with debt. you’re comfortable with the company, agent, and product. When choosing a What are the different types product, follow the tips below: of insurance? There are two basic types of life in - • After you’ve bought an insurance surance: permanent and term. Perma - policy, you may have a “free-look” pe - nent insurance pays your beneficiary riod—usually 10 days after you receive whenever you may die; term insurance the policy—when you can change your pays your beneficiary if you die during mind. During that period, read your a specific period of time. The money your beneficiary receives can help policy carefully. If you decide not to cover expenses and ensure that your keep it, the company will cancel the family is not burdened with debt. policy and give you an appropriate re - fund. Information about the free look What is permanent insurance? period is in your contract. Permanent (cash value) insurance provides lifelong protection as long as • Keep your life premiums are paid. It may build up continued good health. A universal life Cash Value Insurance with your other financial records or cash value over time, which grows tax policy can have a variable component. Disadvantages legal papers, or anywhere your sur - deferred. With all permanent policies, • Cash value insurance is designed vivors are likely to look for it. How - the cash value is different from the face What is term insurance? to be kept for the long term; therefore, ever, don’t keep your policy in your amount. The face amount is the money Term insurance provides protection cancelling a cash value policy after safe deposit box. In most states, boxes that will be paid to your beneficiary if for a defined period of time—from one only a few years can be expensive. are sealed temporarily on the death of you die. Cash value takes time to grow. year to 10, 20, or even 30 years—and the owner, delaying a settlement when But after you’ve held the policy for pays benefits only if you die during that Term Insurance funds may be needed most. several years, its cash value can offer period. Term insurance is often used to Advantages you several options: cover financial obligations that will • A policy can cover financial obli - • Contact your original company, disappear over time, such as tuition or gations that will disappear over time, agent, or financial adviser before can - • You can borrow from the insurer mortgage payments. Premiums for such as a mortgage or college ex - celling your current policy to buy a using your cash value as collateral. term insurance either can be fixed for penses. new one. If your health has declined, • You can get the loan even if you the length of the term or can increase • Premiums are generally lower than you may no longer be insurable at af - don’t have a good credit history. If you at a point specified in the policy. They those for cash value insurance at fordable rates. If you replace one cash don’t repay the loan (including inter - also can be less expensive than for a younger ages. value policy with another, the cash est), it will reduce the amount paid to cash value policy. value of the new policy may be rela - your beneficiaries after your death. Some term policies can be renewed Term Insurance tively small for several years. • You can use the cash value to pay Disadvantages your premiums or to buy more cover - at the end of a term. However, pre - mium rates will usually increase upon • Provides protection for a specific • If you have a complaint about your age. period of time, not for life. insurance agent or company, contact • You can exchange the policy by renewal. To qualify for renewal at the • Renewing coverage at the end of the customer service division of your using the cash value for an annuity that lowest rates, many policies require ev - the term generally means premiums insurance company. If you’re still dis - will provide a steady stream of retire - idence of insurability (continued good will increase. satisfied, contact your state insurance ment income for life or a specified pe - health). At the end of a term, you also • Policies don’t usually build up a riod. may be able to convert the policy to a cash value. department. A state insurance depart - • You can cancel (surrender) the pol - permanent policy. Term policies don’t ment directory is available on icy and receive the cash value in a lump usually build up a cash value. Source: American Council of Life Insurers, www.acli.com. sum. You will pay taxes on the value www.acli.com that exceeds what you’ve paid in pre - What are the advantages —SPJST— • Review your policy from time to miums. and disadvantages time or when a major event occurs in of each type of insurance? your life—such as a birth, job promo - Basic types of cash value insurance tion, divorce, remarriage, or retire - Whole life offers premiums that Cash Value Insurance ment—to be sure your coverage is generally stay fixed over the life of the Advantages adequate and your beneficiaries are policy, a fixed death benefit, and cash • Lifelong protections as long as the correctly named. value that grows at a fixed rate of re - premiums are paid. turn. • Premium costs that can be fixed or • Visit www.acli.com for more con - Universal life gives you flexibility flexible to meet individual financial sumer resources and information about in setting premium payments and the needs. life insurance. death benefit. Changes must be made • Cash value, which can be: used to within certain guidelines set by the pol - pay premiums or buy more coverage; Source: American Council of Life Insurers, icy; to increase a death benefit, the in - borrowed against; converted to an an - www.acli.com surer usually requires evidence of nuity; or surrendered for cash. —SPJST— 8 2016 SPJST Life Insurance and Annuity Extra Should I buy Affordable Insurance Options life insurance In many cases, the application process can be accomplished in one meeting. through work or on my own? Are you and your family adequately covered? Paid Up at 65 Whole Life. You are covered to age Unless you deal with life insurance regularly, it can 100, but you only pay premiums to age 65. Cash val - This isn’t always an either/or ques - be an intimidating and sometimes difficult subject ues are available and continue to grow to age 100. tion. The answer is often “both.” to discuss. Enjoy your retirement without life insurance premi - If you haven’t purchased insurance in a while, you ums! Buying through work. Typically, may be surprised at the many affordable life insurance your employer's "basic" life insurance 10 Pay Life. benefit provides coverage equal to one options available through your local SPJST sales agent. A whole life product designed for both or two times your annual income. Many The following list provides a brief summary of the in - young and mature applicants with premiums payable employers offer the option of purchas - surance options that are available: for 10 years. Issued to ages 0 through 70. ing supplemental coverage, often through an automatic payroll deduction. 10-Year Term. A modern 20 Pay Life. A This is convenient, and you may be able term product issued to ages whole life product to obtain the extra coverage at a higher 18 through 75. Premiums LIFE INSURANCE designed for both rate without having to answer any ques - are guaranteed for 10 years young and mature tions about your health, a big plus if in - and can be renewed annu - applicants with pre - surability is a concern. ally after that to age 95. The miums payable for 20 death benefit is guaranteed is less expensive years. Issued to ages SPJST is here to help you with level to age 95. Renewals 0 through 60. what you need. are guaranteed, even if your health is not perfect! Con - than most Buying on your own. You can vertible to permanent cov - Single Pay Whole choose from among a wide variety of erage prior to age 65 with people think. Life. A whole life SPJST products, and you never need to no health requirements. product available worry about losing coverage if you with just one pre - change jobs. You also may be able to 15-Year Term. Just like the mium. The certifi - get coverage more affordably. Why? 10-Year Term, except pre - cate is then paid-up. When you buy on your own, the price miums are level for 15 Issued to ages 0 depends on your health and can be per - years. Issued to ages 18 through 80. manent. In a work plan, the rate often through 70. Convertible to depends on the health status of em - permanent coverage prior to ployees in your age bracket and is usu - age 65 with no health requirements. Whole Life Universal Life 3. Flexible premium ad - ally temporary or until retirement age. justable Universal Life insurance contract with guar - Call us for more information 800-72- 20-Year Term. Level premiums for 20 years (guaran - SPJST. anteed coverage, subject to the payment of minimum —SPJST— teed level for 10). Issued to ages 18 through 65. Just no-lapse guarantee premiums on a cumulative basis. the thing for young families to provide benefits for the Available to ages 0 to 80 years. family while the children are growing up if the bread - winner dies. Convertible to permanent coverage prior Universal Life 3. A flexible protection plan issued to to age 65 with no health requirements. ages 0 through 80 which offers both a guaranteed and current on the cash value accumulation. 30-Year Term. A very sensible term product! Premi - ums are level for 30 years (guaranteed level for 20). Is - Annuities. Both qualified (IRA) and non-qualified sued to ages 18 through 55. It is excellent for mortgage are offered to SPJST members. Interest rates are as well as providing inexpensive coverage posted every week in SPJST’s weekly newspaper, before retirement. Convertible to permanent coverage Vestnik . For current rates, contact the SPJST Home prior to age 65 with no health requirements. Office, refer to the Vestnik, or visit www.spjst.org. Whole Life. A whole life product designed for both In many cases, the insurance application process can young and mature applicants that offers affordable pre - be accomplished at your home in one meeting. At other miums and builds cash value. times, it may take an additional visit since the sales agent may need to spend some time assessing the information Final Expense. A whole life plan designed to help you provide in the initial meeting before he or she can with your final expense needs whether you are in per - recommend the appropriate life insurance solution. For fect health or even have health concerns (not guaran - more information on the life insurance options available teed issue). Coverage is available on a modified, to you, please contact your local lodge sales agent. If graded or level death benefit basis. The level death you’re not sure who that is, call the SPJST Insurance De - benefit has inflation protection available, to cover final partment at 800-727-7578, and you will be put in touch expenses as they increase each year. Available from with a sales agent in your area. See pages 24 through ages 40 to 80 with premiums payable for life or as a 31 for a listing of agents. one-time single premium. —SPJST— 2016 SPJST Life Insurance and Annuity Extra 9 What you should know about buying life insurance

Beneficiaries do not have to pay fed - How much life insurance eral income taxes on the money they do I need? receive from a life insurance policy. Everyone’s needs are different. A life insurance agent or financial advi - How to purchase insurance: Getting Started sor can help you determine what level As you prepare to buy a life insur - of protection is right for you and your Choosing an agent ance policy, evaluate your ongoing and family based on your financial respon - future financial needs. To begin, ask sibilities, sources of income, and sav - The agent should be able and will - What types of questions yourself some basic questions: ings. There are online calculators that ing to explain the different kinds of will I be asked? also can help you; however, sitting policies and other insurance-related In addition to questions about fi - Why do I need to buy down with an insurance professional to matters. nances, be prepared to answer ques - life insurance? review your financial information can If someone depends on you finan - give you a more personalized view of Working With An Agent tions about your age, medical cially, the likelihood is that you need your needs. condition, family medical history, per - life insurance. Life insurance provides In general, deciding how much life What should an agent do for me? sonal habits, occupation, and recre - cash to your family after you die. The insurance you need means calculating The agent should be able and will - ational activities. money your beneficiary receives (the the total income that would need to be ing to explain the different types of Always answer questions truthfully; death benefit) can be an important fi - replaced upon your death to help pay policies and other insurance-related a company will use this information to nancial resource. It can help cover daily for your family’s financial needs. Con - matters. You should feel satisfied that evaluate your risk and set a premium living expenses, pay the mortgage and sider ongoing expenses (day care, tu - the agent is listening to you and look - for your coverage. For instance, you’ll other outstanding loans, fund tuition, ition, rent, or mortgage), immediate ing for ways to find the right type of in - and ensure that your family is not bur - expenses (medical bills, burial costs, surance at an affordable price. If you’re pay a lower premium if you don’t dened with debt. Having a life insur - and estate taxes), and long term finan - not comfortable with the agent, or you smoke; on the other hand, if you have ance policy could mean your spouse or cial goals (savings for college educa - aren’t convinced he or she is providing a chronic illness, you can expect a children won’t have to sell assets to pay tion and retirement). Your family also the service you want, interview another higher premium. bills or taxes may need money to pay for a move or agent. When it’s time to submit a claim, the to cover daily expenses during a job accurate and truthful answers you pro - (Note: Beneficiaries do not have to pay What should I expect search. vided to the agent will enable your ben - federal income taxes on the money they While there is no substitute for eval - during my meeting with an agent? eficiary to receive prompt and full receive from a life insurance policy). uating needs based on your own finan - An agent will begin by discussing cial information, some experts suggest your financial needs. You should have payment. Stay-at-home parents also might that if you own a life insurance policy basic personal financial information When you apply for life insurance, consider life insurance to help cover it should pay a benefit equal to seven available—along with a general idea of you may be asked to take a medical the costs of services they routinely pro - to 10 times your annual income. Your your goals—before you meet or talk exam. In many instances, a licensed vide, such as caring for children and needs could be higher or lower de - with an agent. He or she will ask ques - healthcare professional hired and paid the home. Retirees living on limited in - pending on your unique situation. tions about your family income, other come also may find peace of mind financial resources you might have, for by the life insurance company will knowing that a surviving spouse will Source: American Council of Life Insurers, and any debts. The agent will be better make a personal visit to your home to not be faced with a financial burden www.acli.com able to assess your needs with the in - conduct the exam. after their death. —SPJST— formation you provide. —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 119 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism.

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

Permanent 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 10 2016 SPJST Life Insurance and Annuity Extra How to purchase insurance: If your agent recommends a cash • Can I commit to these premiums Choosing a policy value policy, ask: over the long term? • Are the premiums within my Cash value insurance provides pro - Examining a Policy your policy is a legal document, it’s im - budget? tection for your entire life. Cancelling a portant that you understand exactly what • • • TERM LIFE INSURANCE PRODUCT • • • How do I know if a life insurance it provides. Ask for a point-by-point ex - policy is right for me? planation for anything that is unclear and SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST Read the policy carefully to make sure make sure the agent explains items you it meets your personal goals. Because don’t understand. SPJST 15-Year Term • • • TERM LIFE INSURANCE PRODUCT • • • Product Overview

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST Benefit Description SPJST 10-Year Term 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 Product Overview annual basis for a one-year term expiring at age 95. It may also be con - verted prior to age 65 to permanent life insurance (no term).

Benefit Description Minimum Amount: $25,000 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 Minimum Premium: $10 per month annual basis for a one-year term expiring at age 95. It may also be con - verted prior to age 65 to permanent life insurance (no term). Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be Minimum Amount: $25,000 considered on a case-by-case basis.

Minimum Premium: $10 per month Underwriting Classifications: • Preferred Plus Non-Nicotine* Maximum Amount • Preferred Non-Nicotine* $4,000,000 on a regular basis. Applications exceeding this amount will be • Standard Non-Nicotine considered on a case-by-case basis. • Preferred Nicotine* Underwriting Classifications • Standard Nicotine • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* *Preferred ratings are available only for medically underwritten certificates • Standard Non-Nicotine with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to • Preferred Nicotine* 35 years). • Standard Nicotine Issue Ages: 18 to 70 years *Preferred ratings not available for issue ages above 70. Preferred ratings are available only for medically underwritten certificates with face amounts of Conversion Option $100,000 or greater ($150,000 or greater for ages 18 to 35 years). Prior to age 65, the certificate may be converted without proof of insurabil - ity to any form of life insurance (other than term) then being offered by Issue Ages: 18 to 75 years SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion. Conversion Option Prior to age 65, the certificate may be converted without proof of insurabil - Premium Benefit Options ity to any form of life insurance (other than term) then being offered by 10-Year Guarantee - The premium is guaranteed for the first 10 certificate SPJST provided that the amount of insurance applied for does not exceed the years. The premium may change after the 10th certificate year but can never amount in force prior to conversion. exceed the guaranteed maximum premium for the then attained age. After 15 years, if the certificate is still in force, premiums will increase annually. Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional 15-Year Guarantee - The premium is guaranteed for the first 15 certificate death benefit up to the amount originally issued if death occurs prior to the years. After 15 years, if the certificate is still in force, premiums will in - insured’s attained age 65 or one-half of this benefit if such death occurs on crease annually. or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under death benefit up to the amount originally issued if death occurs prior to the the certificate for period of disability if insured is totally disabled prior to age insured’s attained age 65 or one-half of this benefit if such death occurs on 60. or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. Premiums The premium is guaranteed for the first 10 certificate years. After 10 years, Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the if the certificate is still in force, premiums will increase annually. certificate for period of disability if insured is totally disabled prior to age 60. 2016 SPJST Life Insurance and Annuity Extra 11 cash value policy after only a few years term insurance. of years, or until a certain age, what are or 10 years? can be a costly way to get short-term in - If you’re considering a term policy, ask: the renewal terms? surance protection. If you don’t plan to • Can I convert to a cash value policy? keep the policy for the long-term, con - • How long can I keep this policy? If • Will my premiums increase? If so, Will I need a medical exam if and when sider another kind of coverage such as I want to renew it for a specific number will increases start annually or after five I convert? • • • TERM LIFE INSURANCE PRODUCT • • • • • • TERM LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST 20-Year Term SPJST 30-Year Term Product Overview Product Overview

Benefit Description Benefit Description The 20-Year Term has level premiums and death benefit for 20 years. After The 30-Year Term has level premiums and death benefit for 30 years. After the initial 20-year term period, the certificate will automatically renew on an 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 con - annual basis for a one-year term expiring at age 95. It may also be con - verted prior to age 65 to permanent life insurance (no term). verted prior to age 65 to permanent life insurance (no term).

Minimum Amount: $100,000 Minimum Amount: $100,000

Minimum Premium: $10 per month Minimum Premium: $10 per month

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

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

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

Issue Ages: 18 to 65 years Issue Ages: 18 to 55 years

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

Premium Benefit Options Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate 20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. The premium may change after the 10th certificate year but can never years. The premium may change after the 20th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After exceed the guaranteed maximum premium for the then attained age. After 20 years, if the certificate is still in force, premiums will increase annually. 30 years, if the certificate is still in force, premiums will increase annually.

20-Year Guarantee - The premium is guaranteed for the first 20 certificate 30-Year Guarantee - The premium is guaranteed for the first 30 certificate years. After 20 years, if the certificate is still in force, premiums will in - years. After 30 years, if the certificate is still in force, premiums will in - crease annually. crease annually.

Riders Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional 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 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 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 or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000. 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the 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. certificate for period of disability if insured is totally disabled prior to age 60. 12 2016 SPJST Life Insurance and Annuity Extra • If it has a return of premium benefit, cause they depend on the future financial • Does the policy have a guaranteed records or legal papers, or anywhere your ask: What would the policy cost without results of the insurance company. death benefit or could the death benefit survivors are likely to look for it if they this benefit? Will all of the premiums be However, when figures are guaran - change depending on interest rates or need to file a claim. As a precaution, you refunded? teed, the insurance company will honor other factors? shouldn’t store a life insurance policy in them regardless of its financial success. • Does the policy offer dividends or a safe deposit box. In most states, boxes Is a policy illustration Ask your agent which figures are guar - interest credits that could increase my are sealed temporarily upon one’s death, a legal document, like a contract? anteed and which are not. A policy illus - cash value and death benefit or reduce this could delay the claims process. A policy illustration is not part of the tration can be complicated. Your agent or my premium? Keep your agent’s name and contact life insurance policy and is not a legal financial advisor can explain information • Will my premiums always be the information easily accessible. The agent document. Legal obligations are spelled you don’t understand. same? Could premiums increase if future can help your beneficiaries fill out the out in the policy contract. A policy illus - interest rates or investment returns are tration, however, can help you under - necessary forms and act as an intermedi - What should I look for in a policy lower than the illustration assumes? ary with the insurance company. stand how a policy works. illustration? • If the illustration shows that I won’t Review your life insurance policy What is in a policy illustration? Study the policy illustration to answer have to make premium pay- the following: ments after a certain period of time, is from time to time to be certain it contin - A policy illustration is meant to pro - ues to meet your needs as your circum - vide an example, based on certain as - there any chance I would have to start • Is my classification (i.e., making payments again at any time in stances change, such as the birth of a sumptions, of how a policy’s costs and child, a job promotion, divorce, remar - benefits may develop over time—in - smoker/nonsmoker, male/female) cor - the future? cluding, but not limited to, premium rect? riage or retirement. Also, review it to en - amounts owed, cash values, and death After Purchase sure your beneficiaries are correctly benefits. For a term policy, the illustra - • When are premiums due—monthly, After purchasing your life insurance named. tion extends to the end of the term. With annually, or according to some other policy, keep it with other financial —SPJST— a cash value policy, the illustration ex - schedule? • • • PRODUCT • • • tends past your 100th birthday. Your ac - tual costs and benefits could be higher or • Which amounts are guaranteed and lower than those in the illustration be - which are not? SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST • • • WHOLE LIFE INSURANCE PRODUCT • • • SPJST Paid Up at 65 Whole Life SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST Product Overview SPJST Whole Life Product Overview Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. Benefit Descrip tion • Premiums payable to age 65. • Level death benefit. • Level premium permanent life insurance to age 100. Minimum Amount $10,000 with exceptions shown below and $10 monthly premium mini - Minimum Amount mum. $10,000 with exceptions shown below and $10 monthly premium minimum. Underwriting Classifications Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically • Preferred Non-Nicotine - Preferred ratings not available for issue ages underwritten certificates with face amounts of $100,000 or greater above 70 or under 18. Preferred ratings are available only for medically un - ($150,000 or greater for ages 18 to 35 years). derwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years). • Standard Non-Nicotine

• Standard Non-Nicotine • Standard Nicotine • Standard Nicotine Issue Ages: 0 to 55 years Issue Ages: 0 to 80 years Riders Riders: Accidental Death Benefit - Issue ages 0 to 55 years; pays an additional death 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 in - benefit up to the amount originally issued if death occurs prior to the insured’s sured’s attained age 65 or one-half of this benefit if such death occurs on or attained age 65 or one-half of this benefit if such death occurs on or after the after the insured’s attained age 65, but prior to the insured’s attained age 70. insured’s attained age 65, but prior to the insured’s attained age 70. Maxi - Maximum coverage is $300,000. mum coverage is $300,000. Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40. Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40. Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the the certificate for period of disability if insured is totally disabled prior to age certificate for period of disability if insured is totally disabled prior to age 60. 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21. years; terminates age 21. 2016 SPJST Life Insurance and Annuity Extra 13 What SPJST Whole Life Insurance Can Do for You and Your Family at Retirement

Retirement has its rewards and benefits. However, employment benefits usually stop. SPJST can prepare you and your family for the rewards and benefits of retirement without sacrificing permanent insurance coverage. Affordability, security, and a permanent benefit completely paid in full is what a Paid Up at Age 65 Whole Life Insurance certificate can do for your peace of mind.

Paid Up at Age 65 Whole Life Insurance Example Male, 34 Female, 34 Standard Non-Nicotine Standard Non-Nicotine $100,000 coverage $100,000 coverage $103.79 per month $ 9 0 . 9 6 p e r m o n th

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

• • • WHOLE LIFE INSURANCE PRODUCT • • • • • • WHOLE LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST Final Expense SPJST Single Pay Whole Life Level Benefit and Increasing Benefit Product Overview Product Overview

Benefit Description Benefit Description • Fully paid-up life insurance certificate with just one premium payment. • Level death benefit whole life certificate to age 100 with either: • One of the lowest guaranteed premiums available today on permanent life a) level lifetime payments, or insurance. b) a single premium payment. • Guaranteed cash and loan values are immediately available. • No surrender charge, should you decide to cash in the certificate at any • Increasing Benefit Option (lifetime pay only)—4% compounded increase time. beginning in Year 2; maximum of two times original face amount. • Fully underwritten product, consistent with company underwriting guidelines. • The SPJST Single Pay Whole Life plan retains those tax-favored features Minimum Amount: $5,000 that have always made traditional life insurance so valuable. • Your cash values increase on a tax-deferred basis. Maximum Amount: $25,000 in force per person • The face amount of a certificate is payable to your beneficiary income tax- free. Issue Ages: Lifetime Pay—40 to 80 years • Among others, the SPJST Single Pay Whole Life plan will be of special in - terest to new members who want to pay only one insurance premium; par - Single Pay— ents and grandparents; members who want to buy additional permanent • 40 to 80 years...... Male/Female - Non-Nicotine insurance at low premium rates; anyone wishing to make a gift of life in - • 40 to 80 years...... Female - Nicotine surance to a college, church, charitable organization, or to an individual. • 40 to 75 years...... Male - Nicotine

Minimum Amount: $5,000 Riders Accidental Death Benefit (lifetime pay only) Underwriting Classifications Waiver of Premium (lifetime pay only) Fully underwritten product, consistent with company underwriting guide - lines. Underwriting • Simplified underwriting with three-tiered Final Expense application. Issue Ages: 0 to 80 years • Telephone interview required. • Level Benefit Plan may be issued if no health issues in parts B, C, or D of Riders: Accidental Death Benefit application. 14 2016 SPJST Life Insurance and Annuity Extra How to purchase Do I have any recourse tive. That date may be different from income taxes on the cash value unless if my policy lapses? the date the policy is issued. you cancel the policy and withdraw the insurance: Some life insurance contracts let money. Then you’ll pay taxes on the Questions you reinstate a lapsed policy within a How is life insurance taxed? amount that exceeds what you’ve paid certain time frame. However, you must Your beneficiaries will not pay in - in premiums. about a policy prove insurability, pay all overdue pre - come taxes on death benefits. If you miums (plus interest), and pay off any own a cash value policy, you won’t pay —SPJST— outstanding policy loans. What happens if I miss a payment? If you miss a premium payment, In addition to the death benefit, you usually have a 30-or 31-day grace are there other features I should period in which to make your payment be aware of when considering without consequences. If you die a life insurance policy? within the grace period, your benefici - Many policies offer purchase op - ary will receive the death benefit minus tions or riders. Some riders let you buy the overdue premium. However, the more insurance without taking a med - policy will lapse (terminate) if you ical exam; others waive premiums if don’t make your payment by the end of you become disabled. Some policies the grace period. If you own a cash offer an accidental death benefit that value policy, your company—with pays an additional amount if death oc - your authorization—can draw from curs as a result of an accident. your policy’s cash value to pay the pre - mium. This method of keeping your When will my policy take effect? policy active can work only as long as If you decide to buy a policy, find your cash value lasts. out when the insurance becomes effec - • • • WHOLE LIFE INSURANCE PRODUCT • • • • • • WHOLE LIFE INSURANCE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST 10 Pay Whole Life SPJST 20 Pay Whole Life Product Overview Product Overview

Benefit Description Benefit Description • Level death benefit. • Level death benefit. • Level premium permanent life insurance to age 100. • Level premium permanent life insurance to age 100. • Premiums payable for 10 years. • Premiums payable for 20 years. Minimum Amount Minimum Amount $10,000 with exceptions shown below and $10 monthly premium mini - $10,000 with exceptions shown below and $10 monthly premium minimum. mum.

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

• Standard Non-Nicotine • Standard Non-Nicotine

• Standard Nicotine • Standard Nicotine

Issue Ages: 0 to 70 years Issue Ages: 0 to 60 years

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

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under 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 the certificate for period of disability if insured is totally disabled prior to age 60. 60. Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21. Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21. 2016 SPJST Life Insurance and Annuity Extra 15 • • • UNIVERSAL LIFE PRODUCT • • • • • • UNIVERSAL LIFE PRODUCT • • •

SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST • BENEVOLENCE • HUMANITY • BROTHERHOOD • SPJST SPJST Whole Life/Universal Life 3 SPJST Universal Life 3 Product Overview Product Overview

Benefit Description Benefit Description Flexible premium adjustable universal life insurance contract with guaran - Flexible premium adjustable universal life insurance contract with guaran - teed coverage for the no-lapse guarantee period, subject to the payment of teed coverage for five years, subject to the payment of minimum no-lapse minimum no-lapse guarantee premiums on a cumulative basis. Contains premiums on a cumulative basis. Contains two volume bands: two volume bands: Low Band: $25,000 minimum face amount Low Band: $25,000 minimum face amount $99,999 maximum face amount $99,999 maximum face amount High Band: $100,000 minimum face amount High Band: $100,000 minimum face amount ($150,000 for preferred non-nicotine issue ages 35 and under) ($150,000 for preferred non-nicotine issue ages 35 and under) Underwriting Classifications Interest Rate Through 04/30/2016 Underwriting Classifications: Interest Rate Through 04/30/2016 • Preferred Non-Nicotine • Preferred Non-Nicotine Whole Life/Universal Life 3 Universal Life 3 • Standard Non-Nicotine (plans 1203-1222 • Standard Non-Nicotine (plans 1223-1232 • Standard Nicotine • with a guaranteed rate of 2.50%) with a guaranteed rate of 2.50%) Standard Nicotine Credited Rate: 3.00% Credited Rate: 3.50% Death Benefit Options Death Benefit: Level Death Benefit Option A — Level Death Benefit Option B — Increasing Death Benefit. Death benefit includes cash value Minimum Premium: $15 per month Minimum Premium: $15 per month No-Lapse Guarantee Period: Lifetime (to Maturity Age) Issue Ages: 0 to 80 years Issue Ages: 0 to 80 years 18 to 70 years for Preferred class 18 to 70 years for Preferred class Maturity Age: 95 (matures for cash value) Maturity Age: Age 121 (matures for cash value) Modal Premiums: Monthly Bank Draft, Quarterly, Semi-Annual, Annual Per $1,000 Expense Charge Varies by age, sex, class, and band Target Premiums Applied monthly in years 1 to 20 on a current basis. The target premium is the recommended level annual premium. It may be Applied monthly in all years on a guaranteed basis. sufficient to keep the certificate in force to age 95. It is not guaranteed. Premium Loads: 3% of premium during years 1 to 20 on a current basis Minimum Premiums 3% of premium all years on a guaranteed basis 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. Modal Premiums Monthly Bank Draft, Quarterly, Semi-Annual, Annual If only the minimum premium is paid, the certificate is only guaranteed to stay in force for 5 years. Premiums The no-lapse guarantee premiums assure that the certificate will remain in No-Lapse Period: 5 years force for the lifetime of the insured. As long as the accumulation of the pre - miums paid at any point in time (minus certificate loans and withdrawals) Surrender Charges equals or exceeds the minimum premiums due at that point in time, the cer - For issue ages 0 to 76, a surrender charge applies during the first 18 certifi - tificate is prevented from lapsing. An additional premium is required for an cate years and is zero thereafter. For issue ages 77 and above, a surrender optional rider. 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, Surrender Charges underwriting classification, and certificate year. 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 Guaranteed Interest Rate: 2.50% which varies by issue age, gender, underwriting classification, and certifi - cate year. Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in Guaranteed Interest Rate: 2.50% event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday. Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly cost event of accident prior to age 70. This benefit terminates at the certificate’s of insurance and riders plus administrative costs for period of disability if in - anniversary date following the insured’s 70th birthday. sured is totally disabled prior to age 60. Waiver of Premium - Issue ages 18 to 55 years; the Society credits a payment Guaranteed Insurability - Issue ages 0 to 37; sold in amounts of $5,000, amount to the certificate each month for period of disability if insured is to - $10,000, $15,000, or $25,000. Depending on amount purchased, allows in - tally disabled prior to age 60. The payment amount is equal to the Total sured to purchase additional insurance at election dates at ages 25, 28, 31, Guaranteed No-Lapse Monthly Premium. 34, 37, and 40 without proof of insurability. Rider terminates at age 40. 16 2016 SPJST Life Insurance and Annuity Extra What is an annuity?

In its most general sense, an annuity investments periodically to return them is an agreement for one person or or - to the proportions that you determine ganization to pay another a stream or represent the risk/return combination series of payments. Usually the term most appropriate for your situation. “annuity” relates to a contract between you and a life insurance company, but Lifetime income a charity or a trust can take the place of A lifetime immediate annuity con - the insurance company. verts an investment into a stream of There are many categories of annu - payments that last as long as you do. In ities. They can be classified by: concept, the payments come from three “pockets”: Your investment, invest - • Nature of the underlying investment ment earnings and money from a pool – fixed or variable of people in your group who do not live as long as actuarial tables forecast. It’s • Primary purpose – accumulation or the pooling that’s unique to annuities, pay-out (deferred or immediate) and it’s what enables annuity compa - nies to be able to guarantee you a life - • Nature of pay-out commitment – time income. fixed period, fixed amount, or lifetime Benefits to your heirs • Tax status – qualified or nonqualified There is a common misconception about annuities that goes like this: if • Premium payment arrangement – Protection from creditors If you buy a variable annuity, your you start an immediate lifetime annu - single premium or flexible premium. If you own an immediate annuity money can be invested in or ity and die soon after that, the insurance An annuity can be classified in several (that is, you are receiving money from (or other) mutual funds. In recent years, company keeps all of your investment of these categories at once. For exam - an insurance company), generally the annuity companies have created vari - in the annuity. That can happen, but it ple, you might buy a nonqualified sin - most that creditors can access is the ous types of “floors” that limit the ex - doesn’t have to. To prevent it, buy a gle premium deferred variable annuity. payments as they’re made, since the tent of investment decline from an “guaranteed period” with the immedi - money you gave the insurance com - increasing reference point. For exam - ate annuity. A guaranteed period com - In general, annuities have the fol - pany now belongs to the company. ple, the annuity may offer a feature that mits the insurance company to lowing attractive features: Some state statutes and court decisions guarantees your investment will never continue payments after you die to one also protect some or all of the payments fall below its value on its most recent or more beneficiaries you designate; Tax deferral on investment earnings from those annuities. And your money policy anniversary. the payments continue to the end of the Many investments are taxed year by in tax-favored retirement plans, such as stated guaranteed period—usually 10 year, but the investment earnings— IRAs and 401(k)s, are generally pro - Tax-free transfers or 20 years (measured from when you capital gains and investment income— tected, whether invested in an annuity among investment options started receiving the annuity pay - in annuities aren’t taxable until you or not. In contrast to mutual funds and other ments). Moreover, annuity benefits that withdraw money. This tax deferral is investments made with “after-tax pass to beneficiaries don’t go through also true of 401(k)s and IRAs; how - An array of investment options, money,” with annuities there are no tax probate and aren’t governed by your ever, unlike these products, there are no including “floors” consequences if you change how your will. limits on the amount you can put into Many annuity companies offer a va - funds are invested. This can be partic - (Source: Insurance Information an annuity. Moreover, the minimum riety of investment options. You can in - ularly valuable if you are using a strat - Institute, http://www.iii.org/ withdrawal requirements for annuities vest in a fixed annuity which would egy called “rebalancing,” which is individuals/annuities/) are much more liberal than they are for credit a specified interest rate, similar recommended by many financial advi - 401(k)s and IRAs. to a bank Certificate of Deposit (CD). sors. Under rebalancing, you shift your —SPJST—

Why should I consider advise that, to get the best return for a you “rebalance” to the original formu - given level of risk, you should diver - lation, by shifting funds from the purchasing an annuity? sify your investments among a number classes that have grown faster to the of asset classes. Fixed annuities, in par - ones that have grown more slowly. If Annuities can serve many useful pecially if you started saving for retire - ticular, offer a unique asset class—an you do this with mutual funds, you pay purposes. ment late or had contributions inter - investment that is guaranteed not to de - capital gains taxes; if you do it in a If you are in a saving-money stage rupted—perhaps due to job changes crease and that will actually increase at variable annuity, you don’t pay capital of life, a deferred annuity can: and/or family responsibilities. More - a specified interest rate (and, often, po - gains taxes. When you eventually with - over, your social security and defined- tentially more). The guarantees are draw money from the annuity (which • Help you meet your retirement in - benefit pension (if you have one) may supported by the claims-paying ability could be many years after the rebal - come goals. Employer-sponsored plans provide less than you need to retire. of the insurer. ancing), you pay tax then at the ordi - such as a 401(k), 403(b) or Keogh are Remember that the purchasing power nary income rate. an important part of planning for re - of defined-benefit pension income is • Help you manage your investment If you are in a need-income stage of tirement. However, contributions to eroded by inflation. portfolio. Investment experts routinely life, an immediate annuity can: these plans and to IRAs are limited, advise that, whenever your investments and they might not add up to enough • Help you diversify your investment in various asset classes get too far from • Help protect you against outliving for the retirement income you need, es - portfolio. Investment experts routinely the percentage allocations you prefer, your assets. Social security pays retire - 2016 SPJST Life Insurance and Annuity Extra 17 ment income for as long as you live, as the money you gave the insurance What are do defined-benefit pension plans. But company now belongs to the company. the only other source of income avail- Some state statutes and court decisions the different able that continues indefinitely is an also protect some or all of the payments types of annuities: immediate annuity. from those annuities. fixed vs. variable • Help protect your assets from cred- (Source: Insurance Information Institute, itors. Generally the most that creditors http://www.iii.org/individuals/annuities/) can access is the payments from an im- In a fixed annuity, the insurance mediate annuity as they’re made, since —SPJST— company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance com- pany is financially sound, the money How are annuities different loved ones if you die before your fi- you have in a fixed annuity will grow from life insurance? nancial obligations to them are met, and will not drop in value. The growth while annuities guard against outliving of the annuity’s value and/or the bene- your assets. fits paid may be fixed at a dollar Both annuities and life insurance in the event you die too soon and an an- —SPJST— amount or by an interest rate, or they should be considered in your long-term nuity in case you live too long. may grow by a specified formula. The financial plan. While both include In other words, life insurance pro- growth of the annuity’s value and/or death benefits, you buy life insurance vides economic protection to your the benefits paid does not depend di- rectly or entirely on the performance of the investments the insurance company makes to support the annuity. Some Comparing Deferred and Immediate Annuities fixed annuities credit a higher interest There are two main types of life insurance—term and whole life—and two main types of annuities—deferred and immediate. rate than the minimum, via a policy dividend that may be declared by the Life Insurance Annuities company’s board of directors, if the company’s actual investment, expense Term Life Whole Life Deferred Immediate Annuities Annuities and mortality experience is more fa- vorable than was expected. Fixed an- Provide income for nuities are regulated by state insurance Provide To accumulate Main Reason dependents To assure you don’t departments. income for money in a tax- or meet estate “outlive your income” Money in a variable annuity is in- For Buying It: dependents deferred product vested in a fund—like a mutual fund planning needs but one open only to investors in the in- surance company’s variable life insur- You die, borrow One period after you ance and variable annuities. The fund You make Pays Out When: You die the cash value or buy the annuity, stops has a particular investment objective, withdrawals surrender the policy paying when you die* and the value of your money in a vari- able annuity—and the amount of money to be paid out to you—is deter- Typical Form Single sum mined by the investment performance Single sum Single sum Lifetime income Of Payment: or income (net of expenses) of that fund. Most variable annuities are structured to offer investors many different fund al- Buyer’s Age ternatives. Variable annuities are regu- When It Is 25-50 30-60 40-65 55-80 lated by state insurance departments Typically Bought: and the federal Securities and Ex- change Commission. Does It Accumu- Yes, but only in the Types of Fixed Annuities late Money No Yes Yes early payout years An equity-indexed annuity is a type Tax-Deferred? of fixed annuity, but looks like a hy- brid. It credits a minimum rate of inter- *payments continue est, just as a fixed annuity does, but its Does It Pay if the annuity has a value is also based on the performance A Death Yes Yes Yes guaranteed-period option of a specified stock index—usually that hasn’t expired computed as a fraction of that index’s Benefit? total return. at the annuitant’s death A market-value-adjusted annuity is No, unless a cash Yes, but only one that combines two desirable fea- Are Benefits Yes, but only the tures—the ability to select and fix the value withdrawal the part derived Taxable Income No part derived from time period and interest rate over which exceeds the sum from investment your annuity will grow, and the flexi- When Received? investment income of premiums income bility to withdraw money from the an- nuity before the end of the time period (Article and Chart Source: Insurance Information Institute, http://www.iii.org/articles/how-are-annuities-different-from-life-insurance.html) selected. This withdrawal flexibility is 18 2016 SPJST Life Insurance and Annuity Extra achieved by adjusting the annuity’s What is the difference value, up or down, to reflect the change in the interest rate “market” (that is, the between a fixed and variable annuity? general level of interest rates) from the start of the selected time period to the Fixed annuities pay a “fixed” rate of influence the kind of funds you select. time of withdrawal. return. When you receive payments, the monthly payout is a set amount and You may want to consider a variable Other Types of Annuities is guaranteed. Fixed annuities may be a annuity if you are: All of the following types of annu - good choice for: ities are available in fixed or variable • Comfortable with fluctuations in the forms. • Conservative investors who value stock market and want your invest - safety and stability. ments to keep pace with inflation over Deferred vs. immediate annuities a long period of time. A deferred annuity receives premi - • Those nearing retirement age who ums and investment changes for pay - want to shelter their assets from the • Young and want to prepare finan - out at a later time. The payout might be volatility of the stock or bond market. cially for retirement by reaping the a very long time; deferred annuities for With variable annuities, you can invest gains in the stock or bond market over retirement can remain in the deferred Qualified vs. nonqualified annuities in a variety of securities including the long term. stage for decades. A qualified annuity is one used to in - stock and bond funds. Stock market An immediate annuity is designed to (Source: Insurance Information Institute, vest and disburse money in a tax-fa - performance determines the annuity's pay an income one time-period after http://www.iii.org/articles/what-is-the-differ - vored retirement plan, such as an IRA value and the return you will get from the immediate annuity is bought. The ence-between-a-fixed-and-variable- or Keogh plan or plans governed by In - the money you invest. The amount of annuity.html) time period depends on how often the ternal Revenue Code sections, 401(k), risk you are willing to assume should —SPJST— income is to be paid. For example, if 403(b), or 457. Under the terms of the the income is monthly, the first pay - plan, money paid into the annuity ment comes one month after the im - (called “premiums” or “contributions”) mediate annuity is bought. is not included in taxable income for the year in which it is paid in. All other Fixed period vs. lifetime annuities tax provisions that apply to nonquali - A fixed period annuity pays an in - fied annuities also apply to qualified come for a specified period of time, annuities. such as 10 years. The amount that is A nonqualified annuity is one pur - paid doesn’t depend on the age (or con - chased separately from, or “outside of,” What are deferred tinued life) of the person who buys the a tax-favored retirement plan. Invest - and immediate annuities? annuity; the payments depend instead ment earnings of all annuities, qualified on the amount paid into the annuity, the and non-qualified, are tax-deferred length of the payout period, and (if it’s until they are withdrawn; at that point Deferred Annuity Immediate annuities allow you to: a fixed annuity) an interest rate that the they are treated as taxable income (re - This type of annuity is good for insurance company believes it can sup - gardless of whether they came from long-term retirement planning for the • Supplement your current income. port for the length of the pay-out pe - selling capital at a gain or from divi - following reasons: If you are nearing retirement, you may riod. dends). consider transferring another savings or investment account into an immediate A lifetime annuity provides income • Payments on income taxes are de - for the remaining life of a person Single premium annuity. You can also move the pro - (called the “annuitant”). A variation of vs. flexible premium annuities ferred until you withdraw the money. ceeds from a deferred annuity into an lifetime annuities continues income A single premium annuity is an an - immediate annuity. until the second one of two annuitants nuity funded by a single payment. The • Unlike a 401(k) or an IRA, there dies. No other type of financial product payment might be invested for growth are no limits on your annual annuity • Pay taxes only on the portion of can promise to do this. The amount that for a long period of time—a single pre - contributions. your immediate annuity payments that is paid depends on the age of the annu - mium deferred annuity—or invested is considered earnings. You are not itant (or ages, if it’s a two-life annuity), for a short time, after which payout be - • There is a death benefit. If you die taxed on the portion that is principal. gins—a single premium immediate an - The principal is the initial deposit made the amount paid into the annuity, and before collecting on the annuity, your nuity. Single premium annuities are with funds that have already been taxed. (if it’s a fixed annuity) an interest rate heirs get the amount you contributed, that the insurance company believes it often funded by rollovers or from the can support for the length of the ex - sale of an appreciated asset. plus investment earnings, minus what - Like deferred annuities, immediate pected pay-out period. A flexible premium annuity is an an - ever cash withdrawals you made. annuities can be fixed or variable. With a “pure” lifetime annuity, the nuity that is intended to be funded by a Fixed immediate annuity income pay - payments stop when the annuitant dies, series of payments. Flexible premium Immediate Annuity ments are pegged to the amount you even if that’s a very short time after annuities are only deferred annuities; This allows you to convert a lump contribute, your age and the interest they began. Many annuity buyers are that is, they are designed to have a sig - sum of money into an annuity so that rate at the time of purchase. Those pay - uncomfortable at this possibility, so nificant period of payments into the an - ments to you will not go up or down. nuity plus investment growth before you can immediately receive income. Variable immediate annuity payments they add a guaranteed period—essen - Payments generally start about a month tially a fixed period annuity—to their any money is withdrawn from them. vary with the investments you chose. after you purchase the annuity. This lifetime annuity. With this combina - (Source: Insurance Information Institute, (Source: Insurance Information Institute, tion, if you die before the fixed period http://www.iii.org/articles/what-are-the-differ - type of annuity offers financial security http://www.iii.org/articles/what-are-deferred- ends, the income continues to your ent-types-of-annuities.html) in the form of income payments for the and-immediate-annuities.html) beneficiaries until the end of that pe - rest of your life. In other words, you riod. —SPJST— cannot outlive it. —SPJST— 2016 SPJST Life Insurance and Annuity Extra 19 How much should I invest in an annuity? SPJST Annuities Straight Annuity • 5-Year Annuity • 10-Year Annuity Unlike a 401(k) or an IRA, there are cial needs. If you’re buying a deferred Single Premium Annuity • Traditional IRA • Roth IRA no limits on the amount that you can annuity and you have a sudden need for invest in an annuity. cash, you can usually withdraw a small What is an SPJST Annuity? {such as 401(k) plans}. First, there is Whether you’re considering a deferred amount without penalty. However, or immediate annuity, the amount of An annuity is a contract between the no IRS contribution limitation. SPJST you’ll likely pay a penalty if you make member and SPJST. The object of an members can contribute any amount money you should consider putting a large withdrawal within a few years into an annuity depends on: annuity is cash accumulation. Annu - (within reason) to an annuity. Second, after you’ve bought the annuity. If ities are not life insurance. An annuity SPJST annuities do not require vesting. you’re buying an immediate annuity, has a beneficiary provision, but the SPJST guarantees that the total amount • Your immediate actual and poten - you usually can’t get any more than the tial financial needs only benefit paid at death is the total of of funds (principal plus interest) will be regular payments, no matter how badly the funds accumulated at that point, un - paid directly to the beneficiary upon you need cash. However, if you have • Your long-term financial goals less other provisions have been made. the death of the member in the accu - other sources of cash that are sufficient The member contributes funds to the mulation period. for any emergency or unforeseen SPJST annuity in lump sums or premi - SPJST Flexible Annuities are used • Your current savings/investment needs, then the immediate needs crite - portfolio ums over time. These funds accumu - to fund Individual Retirement Arrange - rion is satisfied and the other criteria late tax-deferred compound interest ments (IRA), both Traditional and become more important. • The range of alternatives available until a specified maturity date. At ma - Roth. More IRA information follows in turity, the member can receive the this section. to you (Source: Insurance Information Institute, http://www.iii.org/articles/how-much-should-i- funds either in a lump sum, payments Of these, the most important is your invest-in-an-annuity.html) over a certain time period, or even • • • • • • • • • • • • immediate actual and potential finan - —SPJST— equal payments guaranteed for the rest of the member’s life. All Flexible Annuities Two Types of Annuities Straight Annuity What is a “free-look” provision? are available: Traditional IRA Deferred or Immediate. Roth IRA Most state insurance departments stockbroker any additional questions Deferred annuities enable the mem - require insurance companies to provide and make a final decision as to whether ber to contribute funds through tax-de - Eligibility Requirements a “free-look” period after you have the annuity you selected was right for ferred accumulation over a period of SPJST members (life insurance cer - purchased the policy. It is typically a you. time. This is called the accumulation tificate holders) are eligible and may 10-day span in which you can pull out period. The accumulation period con - purchase an annuity with a $100 mini - (Source: Insurance Information Institute, of the contract and obtain a refund http://www.iii.org/articles/what-is-a-free-look- tinues until the maturity date, at which mum contribution. based on contract terms or state law. provision.html) time the payout period begins. The ma -  You should use this time to review the turity date is usually set at age 65 or Exceptions policy, ask your insurance agent or —SPJST— later, but can be changed at any time. Any individual under 70 years of After the maturity date, the payout age must apply for an SPJST life in - period is when SPJST distributes the surance certificate, but if uninsurable accumulated funds to the member ac - or rated above standard, the individual What are surrender fees? cording to the member’s wishes, may become a member with the pur - whether it is a lump sum, distributions chase of an annuity in an amount of If you take money out of an annuity, The purpose of the fee is to allow for a set period of time, or lifetime op - $1,000 minimum. there may be a penalty called a surren - the insurer enough time to recover its tions that the member cannot outlive. Any individual under 70 years of der fee or a withdrawal charge. This expenses, largely commissions, in set - SPJST has three deferred annuities: age regardless of insurability may be - fee is higher if you withdraw funds ting up the annuity contract. It also come a member with the purchase of within the first years of an annuity con - serves to discourage annuity buyers Flexible Premium Annuity an annuity in an amount of $5,000 min - tract. The penalty, however, drops from using deferred annuities as short- 5-Year Annuity imum. gradually each year. Since immediate term investments for quick cash. 10-Year Annuity Any individual over 70 years of age annuities are purchased to provide in - regardless of insurability may become Some contracts may permit you to come, they usually can’t be “surren - The Flexible Premium Annuity ac - a member with the purchase of an an - dered” and will therefore not be pull out a portion of the funds annually, cumulates interest that is reviewed nuity in an amount of $1,000 mini - subjected to a fee. usually up to 10 percent without a sur - quarterly, but can never go below a mum. A typical surrender fee schedule render charge. If this option is impor - guaranteed minimum rate. The 5-Year  could be: tant to you, ask your insurance agent or Annuity and 10-Year Annuity have Issue Ages company representative about this be - guaranteed locked-in rates for a full Flexible Premium Annuity • 7 percent if you withdraw funds fore deciding to invest your money in a five years or 10 years. 0 to 85 years in the first year, specific annuity. Also, ask if there may Immediate annuities work just like Single Premium Immediate • 6 percent in the second year, be any other fees or charges. deferred annuities except there is no ac - 0 to 90 years • 5 percent in the third year, cumulation period. The member con - • 4 percent in the fourth year, (Source: Insurance Information Institute, tributes a lump sum of funds ($10,000 Issue age may be extended with • 3 percent in the fifth year, http://www.iii.org/articles/what-are-surrender- minimum), and the payout period be - prior approval and arrangement with • 2 percent in the sixth year, fees.html) gins immediately. Supreme Lodge Vice President. If • 1 percent in the seventh year, and SPJST Annuities offer benefits not issue age is more than 70, agent com - • 0 in the eighth year and beyond. —SPJST— found in other tax-qualified plans missions will be affected. 20 2016 SPJST Life Insurance and Annuity Extra Current Minimum Guaranteed SPJST 5-Year Annuity SPJST 10-Year Annuity These apply only to SPJST charges. Interest Rate: IRS Withdrawal Penalties and Charges 1.50% as of March 23, 2016 Eligibility Requirements Eligibility Requirements may apply. Same as Flexible Annuities Same as Flexible Annuities. Current Interest Rate: • • • • • • • • • • • • 3.00% as of March 23, 2016 Issue Ages Issue Ages 0 to 90 years. Issue age may be ex - 0 to 85 years. Issue age may be ex - Annuity Payout Options Withdrawals or Charges tended with prior approval and tended with prior approval and and Taxation Partial or full withdrawals can be arrangement with Supreme Lodge Vice arrangement with Supreme Lodge Vice made at any time. Please refer to the President. If issue age is more than 70 President. If issue age is more than 70 IRS Penalties and Taxation back of the application for withdrawal years, agent commissions will be af - years, agent commissions will be af - If funds are withdrawn during the charges or penalties. SPJST may fected. fected. deduct a withdrawal charge from any accumulation period, they may be sub - ject to the SPJST Withdrawal Charges amount withdrawn in the first seven Current Minimum Guaranteed Current Minimum Guaranteed certificate years (or the maturity date). mentioned previously as well as IRS Interest Rate: Interest Rate: taxes and penalties. Any funds with - The charge will be as SPJST deter - 1.50% as of March 23, 2016 1.00% as of March 23, 2016 mines from time to time, and will not drawn from an annuity during the ac - cumulation period will be considered be greater than the percentage of the Current Interest Rate Current Interest Rate interest (pre-tax funds) first and there - amount withdrawn shown in the table Similar to Certificates of Deposit, Similar to Certificates of Deposit, below. SPJST withdrawal charges do the 5-Year Annuity rates change peri - the 10-Year Annuity rates change peri - fore taxable income in the year with - not affect IRS withdrawal charges or odically, but once a member opens a 5- odically, but once a member opens a drawn. If the annuitant is under age 59 penalties. Year Annuity, the then-current rate will 10-Year Annuity, the then-current rate 1⁄2 during that tax year, IRS also levies be locked in for five years. will be locked in for 10 years. a 10 percent penalty on the pre-tax Certificate Year/Charge amount. Only after all the pre-tax funds 1st year —10% Withdrawals and Charges Withdrawals and Charges are withdrawn would the annuitant get 2nd year—9% Partial or full withdrawals can be Partial or full withdrawals can be to the principal (after-tax funds) which 3rd year—8% made at any time. Please refer to the made at any time. Please refer to the are never taxed or penalized from IRS. 4th year —7% back of the application for withdrawal back of the application for withdrawal Please remember that IRS penalties are 5th year—6% charges or penalties. SPJST may charges or penalties. SPJST may separate and independent of SPJST 6th year—4% deduct a withdrawal charge from any deduct a withdrawal charge from any Withdrawal Charges. 7th year—2% amount withdrawn in the first five cer - amount withdrawn in the first 10 cer - IRS penalties and taxation concern - 8th year and later—No Charge tificate years. The charge will be as tificate years. The charge will be as ing Traditional IRA and Roth IRA plans are covered later in this section. Free Withdrawal SPJST determines from time to time, SPJST determines from time to time, and will not be greater than the per - and will not be greater than the per - The member may, in any one cer - centage of the amount withdrawn centage of the amount withdrawn tificate year, make as many as three Non-Lifetime Options shown in the table below. SPJST with - shown in the table below. SPJST with - withdrawals, the aggregate total of Distributions under these options are which may not exceed 10 percent of drawal charges do not affect IRS with - drawal charges do not affect IRS with - made irrespective of anyone living or the cash value at the beginning of that drawal charges or penalties. drawal charges or penalties. dying. certificate year without incurring a Certificate Year/Charge Certificate Year/Charge withdrawal charge. • Lump Sum Distribution The member may withdraw up to 50 1st year—8% 1st year—9% One single distribution paid to the percent of the total accumulated 2nd year—7% 2nd year—9% annuitant. The terms of the contract amount in the annuity within 90 days 3rd year—6% 3rd year—8% are completed, and the annuity is of either of the following events with 4th year—5% 4th year—7% terminated at that time. no SPJST penalty: Total Disability 5th year—4% 5th year—6% and/or Nursing Home Residency. End of 5th Year—No Charge 6th year—5% • Period Certain These apply only to SPJST charges. 7th year—4% Distributions are spread out in equal IRS Withdrawal Penalties and Charges At the end of the fifth year, the 8th year—3% amounts over a given time period (5, may apply. member may choose to withdraw 9th year—2% 10, 20 years, etc.) during which time funds, or simply let the annuity renew 10th year—1% all principal and interest is for another 5-Year Annuity with the End of 10th Year—No Charge • • • • • • • • • • • • exhausted. Interest Rates Through 04/30/2016 then-current rates and SPJST with - drawal charges. At the end of the 10th year, the Annuity 5 • Amount Certain (plans 8032-8039 with a Member may choose to withdraw 1.50% guaranteed rate) Free Withdrawals funds, or simply let the annuity renew Distributions are made according to Credited Rate: 3.00% The member may, in any one cer - for another 10-Year Annuity with the a specific payment amount ($1,000, $2,000, etc.) during which time all Annuity New 5-Year tificate year, make as many as three then-current rates and SPJST with - (plans 8040-8041 with a withdrawals, the aggregate total of drawal charges. principal and interest is exhausted. 1.50% guaranteed rate) which may not exceed 10 percent of Credited Rate: 3.00% the cash value at the beginning of that Free Withdrawals Lifetime Options certificate year without incurring a The member may, in any one cer - These options all pay the annuitant withdrawal charge. tificate year, make as many as three an income for life in any case. The op - These apply only to SPJST charges. withdrawals, the aggregate total of tions differ in what happens after the IRS Withdrawal Penalties and Charges which may not exceed 10 percent of annuitant’s death. Different options re - may apply. the cash value at the beginning of that sult in different income amounts. Once certificate year without incurring a an option is chosen and distributions • • • • • • • • • • • • withdrawal charge. begin, it cannot be changed. 2016 SPJST Life Insurance and Annuity Extra 21 • Straight Line Income Option Isn’t it time to review your current Life Insurance coverage? Also called Straight Life Annuity or Life Annuity, this option provides By reviewing and knowing regular and equal distributions for the lifetime of the annuitant, no mat - that your information is current, ter how long (or short) the annuitant you have peace of mind that your loved ones lives. When the annuitant dies, dis - will receive the care they deserve, tributions stop. There are no more and you can be assured that you are receiving distributions even if the annuitant the full value of your membership. died with principal funds left in the annuity. This option pays the high - est net distribution amount of all Permanent Life Insurance lifetime options. Term Life Insurance • Refund Option and Annuities This option pays lifetime distribu - at affordable, tions to the annuitant, but if the an - competitive prices. nuitant dies before receiving the principal paid in, the remainder of the principal is paid to a beneficiary; SPJST • PO Box 100 • Temple, Texas 76503 • 800-727-7578 • www.spjst.org either in a lump sum or in equal in - stallments until the total of distribu - annuitant’s beneficiary would con - • Joint and Survivor Option Lifetime Option Taxation tions equals the original principal tinue to receive the same distribu - This option pays distributions to two Taxation on a Lifetime Option is amount when distributions began. tion for the remainder of that period. people (usually couples) for as long based on the exclusion ratio. It is based This option typically pays the lowest Example: If the annuitant chose as both shall live. When the first per - on funds expected to be received by the net distribution amount of all life - Life with 20 Years Certain and died son dies, the survivor continues to time the annuitant reaches life ex - time options. four years later, the annuitant’s ben - receive distributions for the rest of pectancy according to IRS tables. eficiary would continue to receive Funds paid in excess of this ratio are the survivor’s life. When the sur - • Life with Certain Period the distributions for the remaining considered taxable income. If the an - This option pays lifetime distribu - 16 years. If the annuitant lives past vivor dies, distributions cease. De - nuitant lives to the pre-determined life tions to the annuitant, but if the an - the certain period, distributions pending on the option taken, the expectancy age, then all future distri - nuitant dies within a specified would cease when the annuitant survivor may continue to receive the butions will be considered 100 percent period stated in the agreement (5 dies. This is the most popular life - full distribution, two-thirds or one- taxable income in the year received. years, 10 years, 20, years, etc.), the time option. half of the distribution. —SPJST— test. The day’s competition covers talent, speech, hand - SPJST Youth Program Aims High icrafts, foods, and educational projects. Program addresses social needs, civic responsibilities. SPJST’s youth program is a cooperative effort that reflects the great potential of SPJST — young and old — working together to achieve common goals and en - To build character among the young and to pur - out of 12 youth meetings or seven out of 12 adult lodge joying life together. sue educational, patriotic, social, and athletic recre - meetings, if the lodge does not have a youth club. Any Information on local lodge youth clubs may be ob - ation. Those are the goals of SPJST’s statewide youth who initially joins a youth club and is not able to tained by contacting your local lodge, District Youth youth program. make seven meetings can pay a fee determined by the Counselor, State Youth Director at 800-727-7578, or by On an annual basis, youth clubs from 30 lodges DYC to attend camp. Youth members must also attend visiting www.spjst.org. across the state sponsor a wide range of social activities, a majority of the youth activities in the youth club or community service projects and charity projects. It’s lodge. Non-active youth members may attend camp about having fun, but it’s also about contributing to the for a fee determined by the District Youth Counselor. welfare of the people of Texas. State Youth Achievement Day The educational aspect of the SPJST Youth Program In addition to the camp program, the SPJST offers its is an integral part of local youth club activities. State youth a program which encourages participation in var - and local programs address a range of areas, including ious individual and group contests. The program cul - human relations, nature, parliamentary procedure, ju - minates with the State Youth Achievement Day (YAD) venile decency, arts and crafts, the fine arts, music, dra - and Royalty Contest held on a statewide basis on the matics and Czech tradition. Youth club members range first Saturday in August. The crowning moment of from grades kindergarten to high school senior. SPJST’s royalty competition is the coronation of the The patriotic program consists of ceremonial rituals king and queen who are selected on the basis of a and an annual essay contest. The objective is to teach speech during which they are scored on content, deliv - the operation of a free democratic society and majority ery and overall presence. All of the individuals who rule. The social program includes parties, dances, pic - compete for the honor are winners in their own right, nics, pageants, hay rides, and family group activities. having been selected to represent their respective dis - tricts as king and queen candidates. H H H 2015-2016 SPJST State Royalty H H H Summer Camp More than 500 youth and adults from across the state Left to right are Duke Seth Martinez and King SPJST also makes summer camping trips available are expected to be at the Frank W. Mayborn Civic and Brady Alexander, both of Lodge 47, Seaton, and to its active young members. To be eligible to attend Convention Center on Saturday, August 6 to participate Queen Kacie Vanecek and Duchess Makayla camp at no charge, youth members must attend seven in the 2016 SPJST State YAD and State Royalty Con - Newsom, both of Lodge 48, Beyersville. 22 2016 SPJST Life Insurance and Annuity Extra SPJST Scholarships and Grants SPJST Mortgage Loan Program

100 Pennies Scholarship The basic philosophy underlying the One of the benefits that SPJST Fund Drive Your home is a major invest - mortgage lending program offered makes available to its members is a c/o SPJST Home Office ment, and it takes routine mainte - through the SPJST is that through joint competitive scholarship program. PO Box 100 nance and upgrades to keep it effort and mutual self-interest, individ - Temple, Texas 76503 The Scholarship/Grant Program is looking good and maintaining its uals and families may collectively meant to encourage and assist value . achieve objectives unattainable by act - members to further their education In addition to the 100 Pennies And speaking of value, here’s some - Scholarship Fund Drive, SPJST main - ing alone. and to help them achieve career thing else you’ll want to consider: An tains a Memorial Scholarship Fund. In order to be considered for a mort - goals. SPJST Home Loan. If you are pur - SPJST General Scholarships were Names of contributors and the indi - gage loan with SPJST, you or your vidual being honored are pub - chasing a home or want to remodel spouse must be a member of the Soci - established in 1982 for all your current home, have at least 25 SPJST members. General lished in the Vestnik . ety. Likewise, each immediate family percent down or equity in your home, Scholarships are funded by Applicants must have an ac - you could be in line to save plenty. is subject to a maximum financing lim - SPJST contributions and en - tive SPJST life insurance cer - itation of $500,000. tificate in force for one year dowments and voluntary SPJST currently offers home, farm, and hold an active SPJST Pay Now, Save Later contributions. Accordingly, and commercial mortgages with notes the more funds available, life insurance certificate for Something to consider: Unlike the more scholarships the duration of the scholar - most commercial institutions, SPJST ranging up to 30 years. For informa - awarded. ship or grant. All SPJST does not sell its mortgage notes to other tion, please contact the SPJST Mort - Leadership Grants were Scholarship/Grant recipients financial institutions. Should you have gage Loan Department at established in 1996 for active must attend an accredited a question, you know who to call. 800-727-7578. youth club members and are two-or four-year college, funded solely through alloca - university, or technical col - Residential/Farm/ tions by the Supreme Lodge. lege on a full-time basis, as de - Commercial Loans termined by the college or Call the SPJST Home Office 800-727-7578. 100 Pennies Scholarship university, and carry a normal aca - 75% Residential/ Farm Fund Drive demic load without interruption and Loans for 5 to 30 Years The annual SPJST 100 Pennies in agreement with the college calen - Scholarship Fund Drive commences dar. Their personal and academic Commercial Property on October 1 each year and continues standards must remain satisfactory to Loans for 1 to 10 Years through March 31. Donations are tax the college and to the committee. and 11 to 15 Years and 100 percent of the For additional information regard - For Residential /Farm Property information, amount that is contributed is applied ing the SPJST Scholarship/Grant Pro - contact the SPJST Mortgage Loan Department . toward scholarships. Acknowledge - gram, including deadlines for ment of individual donations will be requesting and submitting applica - published in the Vestnik. To con - tions, please contact the SPJST Pres - tribute, send your check to: ident’s Office at 800-727-7578. SPJST supports established, fledgling charities

SPJST Education chase is expected to be completed this the heart of early Czech settlement in ness retreats, overnight cabin rentals, and Nature Center (ENC) spring. The first full year of operations Texas where SPJST was founded in and family reunions are some of the For more than 40 years, an exciting was in 2011. To date, the facility has 1897. The ENC is a 180-acre site with current functions held at the ENC. Ac - fraternal idea — the quest to establish provided nature training and recre - air conditioned, overnight accommo - tivities available include such things as a family oriented educational and na - ational activities for numerous frater - dations for up to 180 residents, and a hiking, swimming, boating, canoe - ture center remained an elusive dream. nal, religious, school, civic, and variety of camping, meeting, and team- ing/kayaking, high and low ropes chal - SPJST Education and Nature Center environmental groups. building facilities which are available lenge courses, archery, and numerous (ENC) is now bringing that vision to Located approximately 70 miles to the general public for educational other sports activities. Individuals or life. The mission of the ENC, as estab - east of Austin, in Fayette County and recreational purposes. SPJST and Texas, this picturesque region touches other youth camps, church and busi - organizations who are interested in lished in year 2000 by the delegates to renting the facilities are encouraged to the 28th SPJST Convention, is multi - P P P Employment Opportunities Available P P P contact ENC personnel to schedule a faceted: To provide for use by the gen - at SPJST Education and Nature Center tour of the property. eral public for education in the areas of SPJST ENC has several opportunities and supervision of the campers; assists nature, conservation, environmental SPJST ENC is a 501(c)(3) non- for employment. with all camp activities as needed; and is profit organization, and all donations matters, fitness and health, culture, pa - u the most vital element in the delivery of triotic, family living, and history. Camp Director - The Camp Director the camp program to campers. are tax deductible. For more informa - (full-time) has overall responsibility for u Through a long-term lease agree - both the camp site and daily operation of Administrative Assistant - The Ad - tion on the ENC or to submit a dona - ment with Lower Colorado River Au - the camp, including program develop - ministrative Assistant (part-time) provides tion, please contact ENC Board ment/implementation and supervision of clerical and administrative support to the thority (LCRA) and with funding from campers and staff. Camp Director and assists with special Secretary Lynette Talasek at 254-773- SPJST, the ENC opened for operations u projects. 1575, ext. 234, or email Program Assistant - The Program [email protected]. in 2010. In 2015, the SPJST entered Assistant (seasonal) is an instructor of Please email your resume to Lynette into negotiations to purchase the prop - activities; a leader of special programs Talasek at [email protected] and com - erty outright from the LCRA. That pur - and events; is responsible for the care plete the job application at www.spjst.org. • • • 2016 SPJST Life Insurance and Annuity Extra 23 The museum is a 501(c)(3) non- independent corporation and granted profit organization, and donations are $100,000 to this purpose. To this day, tax deductible. For more information, the management of the senior living including museum hours and current centers in Taylor, Needville, and Hillje attractions, please call 254-899-2935 or — as well as the expanded assisted liv - visit www.czechmuseum.org. Mail do - ing center in Taylor — resides in the Czech Heritage Museum nations to: hands of seven directors — one from and Genealogy Center each SPJST district. Thanks to sound In the 1950s, several Czech organi - Czech Heritage Museum leadership and outstanding on-site per - zations began discussing the possibil - sonnel, all of the S.P.J.S.T. senior care and Genealogy Center list was expanded to include the ity of having a Czech history museum. 119 West French Avenue facilities are doing well. S.P.J.S.T. Senior Living Center in The 74-bed Taylor facility opened in During the 1960s, an effort began to Temple, Texas 76501 collect books and artifacts pertaining to Hillje. All three of the senior living 1957. The 58-bed Needville commu - communities maintain active volunteer nity opening in 1972. A 24-bed assisted Czech history and immigration to • • • America, and in 1971, the first museum programs. In additon to receiving first- living community was opened in Tay - was opened in the new SPJST Home rate care and accommodations, resi - lor in 2003. That facility was expanded Office in Temple, Texas. dents participate in a variety of social with the addition of 36 apartments in While most Texas heritage muse - and exercise activities, including bingo, 2009. A new S.P.J.S.T. Senior Living ums are proud of artifacts dating to the movies, and regularly scheduled per - Center is slated to open later this year early 1800s, the Czech Heritage Mu - Comfort a priority for S.P.J.S.T. formances by area musicians and in Taylor and will replace the existing choral groups and youth groups. seum has items from as early as 1500. Senior Living Facilities in Taylor, facility. The idea to build the first senior liv - The early Czech Texans understood the Needville, and Hillje For more information on S.P.J.S.T. ing center surfaced at SPJST’s 1956 value of the artifacts they chose to For a half century, SPJST has been a Senior Living and Assisted Living fa - Convention in Temple. Delegates au - bring here from their homes in Europe. strong supporter of the S.P.J.S.T. Senior cilities, please call 512-352-7209 or Living Centers located in Taylor and thorized the establishment and organi - visit them at www.spjstresthomes.com. Some of their religious books were al - zation of a self-governing and ready family heirlooms that had sur - Needville. Most recently, in 2015, that —SPJST— vived various persecutions over previous centuries. They brought these precious books with them to the land where freedom of speech, thought, and religion were irrevocable. Recent research has uncovered the significance of a rare French Regiment Czech Legionnaire’s World War I uni - form that was given to the museum by the man who wore it. Jerry Baletka im - migrated as a boy from Czechoslova - kia to Crosby, Texas, fought with the Czechs in France and then donated his collection to the museum in the 1960s. SPJST Endowed and Sponsorship Scholarship Opportunities By 1981, the museum had outgrown its place and was moved to the base - SPJST scholarships are funded by Johnnie R. Krizan, and Frank ment of the SPJST building. In 2000, the Supreme Lodge and contributions Klinkovsky. SPJST convention delegates voted to by SPJST members through the 100 make the museum a separate entity and Pennies Scholarship Fund Drive and Sponsorship Scholarships be moved to a new location. On Febru - memorial donations. Accordingly, the In 2012, SPJST presented its first ary 12, 2010, a ribbon was cut to offi - more funds available, the more schol - Sponsorship Scholarship with the cially open the Czech Heritage arships awarded. “It all adds up and awarding of the Slovacek Sausage Museum at Third Street and French the end result is a great and positive Scholarship. The award was made Avenue in Temple. The building in which the museum difference,” says Supreme Lodge Pres - possible by the generosity of Tim is housed was originally built by Dr. H. ident Brian Vanicek. Rabroker and Slovacek Sausage. B. Mason in 1930 as one of the first Sponsorship scholarships differ “shopping centers” in Temple. The SPJST Endowed Scholarships from SPJST endowed scholarships in building is distinguished by the Art Donors who wish to make a positive that donors may offer scholarships in Deco/Spanish style exterior, which was difference in the life of a young person year. Once established, your scholar - the name of a business or as a tribute to maintained during reconstruction. and at the same time establish a lasting ship will be managed by SPJST. Your a family or friend on a one time basis Visitors to the museum often come memorial may establish or contribute endowment creates a permanent fund - for $1,000. to research their family origins. The li - to an SPJST Endowed Scholarship. ing source that will grow over time and brary contains a fine collection of ge - The scholarship may be established in will support deserving students today For More Information nealogy research resources from your name or the name of the individ - and in the future. For more information on establish - general genealogy reference books to ual you wish to honor. SPJST En - SPJST Endowed Scholarships have ing a Sponsorship Scholarship or an information on specific families, coun - dowed Scholarships may be been established in the names of Otto SPJST Endowed Scholarship or to con - ties, and ship’s manifests. Museum established starting at $10,000. By def - Hanus (two scholarships), Myles tribute to an existing endowed scholar - staff assist families from all over the inition, an endowed scholarship is one Marek, Ben and Martha Trcalek, ship, please call the President’s Office United States in their quest for family in which the principle remains intact Ernest Wentrcek, Denisse Wuensche, at 800-727-7578 or 254-773-1575. histories. and only the interest is awarded each Gladys Yates, SPJST District Six, —SPJST— 24 2016 SPJST Life Insurance and Annuity Extra DDiirreeccttoorryy ooff SSPPJJSSTT LLooddggeess,, YYoouutthh CClluubbss,, aanndd SSaalleess AAggeennttss

LODGE 5 LODGE 9 LODGE 15 ctive lodges are listed in nu - PILOT POINT-TIOGA (3) SNOOK (1) BUCKHOLTS (2) Americal order. District number is Lodge Meetings: First Saturday of each Lodge Hall: 457 CR 269, Snook. Directions: Lodge Hall: 600 State Highway 190/Highway in parentheses. For lodge infor - month at 2 p.m. at PointBank Community From Snook, turn on FM 2155 to downtown. 36, Buckholts (historic hexagon-shaped Center, 739 East Liberty Street, Pilot Point. At Snook School, stay right on Spur 2155. At lodge building with a stone entrance sign lo - mation, please call the lodge sec - the “T”, turn right on CR 269. Go 3/10 mile, cated approximately 1/4 mile east of down - retary or the contact listed. For Secretary Dean Carender and hall is on the left. town Buckholts). Directions: Lodge building is 903-564-7359 • [email protected] located on Highway 36, east of Buckholts. youth club information, please Hall Rental Information contact the local lodge youth Sales Agents 979-272-3732 Hall Rental Information leader. For insurance informa - Dean Carender 903-564-7359 254-593-2222 [email protected] 903-815-5628 Lodge Meetings: First Wednesday of each tion, please contact lodge sales Elise Koerner, FIC 940-391-1585 month at 7 p.m. at the lodge hall. Lodge Meetings: Second Monday of each agents. Listings reflect Home Of - [email protected] month at 5 p.m. at the lodge hall. fice records as of March 16, 2016, Michael Munn 903-227-5969 Secretary Sharon Kovar [email protected] 979-272-3732 • [email protected] Secretary Dorothy Tomascik (Use of this information for solic - 254-593-2757 itation or commercial purposes is Youth Club Meetings: First Wednesday of a violation of the SPJST Privacy each month at 6:30 p.m. at the lodge hall. Sales Agents Scott Brandon 254-217-5118 LODGE 6 Youth Leader Loree Lewis Policy and is strictly prohibited.) [email protected] COTTONWOOD (3) 979-220-4783 • [email protected] Lodge Hall: 700 South Czech Hall Road, Mary Helen Rodriguez 254-217-2863 West. Note: The bridge on the road to the hall Sales Agents [email protected] is out; but there is a detour to the hall. LODGE 1 Di - Stacey Eldridge 979-272-1556 rections: Take Farm Road 2114 East for 5 [email protected] FAYETTEVILLE (1) miles. Turn right on Adair Road and immedi - Karen Gaas 979-272-8873 Lodge Hall: 507 East Main Street, Fayet - ately veer right onto Marek Road. Marek teville. Directions: Lodge building is located on [email protected] LODGE 17 Road runs into Czech Hall Road. Turn right Bill Orsak, FIC, CFFM 979-272-1243 Highway 159 East, three blocks from the town onto Czech Hall Road. The hall is on the left NEW TABOR (1) square. [email protected] 979-324-0056 Lodge Hall: 2674 CR 225, Caldwell. Direc - about 1/2 mile. Pamela Pruett 512-760-6740 tions: From Caldwell, turn from Highway 36 Hall Rental Information [email protected] east onto FM 166. Proceed 2.1 miles and 979-966-3795 Hall Rental Information Donnie Victorick, FIC, CFFM 979-224-3125 turn left on CR 225. Go one mile, veering to 254-799-8550 [email protected] the right. The lodge building is located on the Lodge Meetings: First Monday of even-num - Hall Phone: 254-227-8759 right. bered months February, April, June, August, October, and December at 6 p.m. at the lodge Lodge Meetings: First Sunday of each Hall Rental Information hall. month at 2 p.m. at the lodge hall. LODGE 13 979-272-3440 DIME BOX (1) Secretary Debra Pflughaupt Secretary Barbara Jean Hykel Lodge Hall: 425 CR 424, Dime Box. Direc - Lodge Meetings: First Sunday of each 979-249-6249 254-826-4677 tions: In Dime Box, turn left from FM 141 on month at 2 p.m. at the lodge hall. [email protected] [email protected] CR 424. Go east on CR 425 for 3/10 mile. The hall is on the left. Secretary Ben Trcalek, Jr. Youth Club Meetings: First Monday of each Youth Club Meetings: First Sunday of each 979-272-3278 month at 6:30 p.m. at the lodge hall. month at 1:30 p.m. at the lodge hall. Hall Rental Information 979-884-1451 Youth Club Meetings: First Sunday of each Youth Leader Ronnie Pflughaupt Youth Leader Peggy Dobecka Hall Phone: 979-884-3211 month at 3 p.m. at the lodge hall. 979-249-6702 254-717-0383 [email protected] [email protected] Lodge Meetings: Second Thursday of each Youth Leader Holly Narro month at 7 p.m. at the lodge hall. 979-218-4931 • [email protected] Sales Agent Sales Agents Secretary Ladonna Jatzlau Ronnie Pflughaupt 979-249-6702 Jeanette Beseda 254-717-7840 Sales Agent [email protected] 979-884-0561 [email protected] [email protected] Susan Skrabanek, FIC 979-272-3440 Donald Cernosek 254-855-6800 [email protected] 979-820-2218 [email protected] Sales Agents LODGE 4 Selby Holder 254-715-5742 Ladonna Jatzlau 979-884-0561 HALLETTSVILLE (6) [email protected] [email protected] Lodge Meetings: Second Sunday of each Jerry E. Kucera, FIC 254-826-5425 Carla West 979-540-2208 LODGE 18 month at 3 p.m. at Hallettsville Chamber of [email protected] 254-749-1865 [email protected] ELGIN (2) Commerce, 1614 North Texana Street, Hal - Lodge Hall: 702 Highway 95 North, Elgin. lettsville. Hall Rental Information Secretary Helen Zabransky LODGE 8 512-217-0162 - David Meyer 361-798-3347 WEIMAR (6) Country/Western Band Booking Lodge Meetings: Fourth Monday of each 512-281-3711 - Artie Monson Sales Agents month at 6:30 p.m. at Veterans Memorial Hall, Polka Band Booking Joe Siptak, FIC 979-244-4415 503 Park Drive, Weimar. Hall Phone: 512-285-3100 [email protected] Susan Siptak, FIC 979-244-4415 Secretary Earline Muenster Lodge Meetings: Third Tuesday of each [email protected] 979-562-2858 month at 7 p.m. at the lodge hall. 2016 SPJST Life Insurance and Annuity Extra 25

Secretary Charles Wilson Secretary Shirley Hoelscher 512-285-4293 254-985-0347 LODGE 29 LODGE 35 [email protected] TAYLOR (2) ELK (3) Lodge Hall: 9508 Elk Road, Axtell. Directions: Youth Club Meetings: First Thursday of each Lodge Hall: 5025 FM 619, Taylor. Directions: The hall is located two miles east of Taylor. From Interstate 35 in Waco, take the Highway month at 6 p.m. at the lodge hall. Youth Club Meetings: Second Sunday of each month at 2 p.m. at the lodge hall. Turn north from State Highway 79 onto FM 84 East exit. Stay on Highway 84 East 619. Drive about one mile to the large two- through Bellmead and go approximately 8 Youth Leader David Meyer story building. miles. On the right side of Highway 84 will be Youth Leader Brenda Maddux a sign saying “Elk.” Take the Elk Road. Turn 512-217-0162 254-721-1682 [email protected] Hall Rental Information right on Elk Road and go approximately one [email protected] mile and the road will dead end. Take a right 512-352-9139 at the dead end and go approximately 1/2 Sales Agents Sales Agents Hall Phone: 512-352-9139 mile. Lodge 35 is on the left side of the road. Betty Gaskamp 512-281-0234 Roberta Amos 254-773-1100 [email protected] [email protected] Lodge Meetings: Second Wednesday of Hall Rental Information Lorri McCrary 512-484-0946 Paulino Castillo 254-773-0092 each month at 6:30 p.m. at the lodge hall. 254-749-3326 [email protected] [email protected] Hall Phone: 254-863-9320 William McCrary 512-281-6000 Jason Hoelscher 254-985-0347 Secretary Linda Pospisil [email protected] [email protected] 512-365-1110 • [email protected] Lodge Meetings: Second Wednesday of Margaret Taylor 512-303-0825 each month at 7:30 p.m. at the lodge hall. Youth Club Meetings: First Sunday of each month at 1 p.m. at the lodge hall. Secretary Carla Pavelka LODGE 25 254-420-2430 Youth Leader Cristy Girod [email protected] LODGE 20 ENNIS (3) 512-468-1347 • [email protected] GRANGER (2) Lodge Hall: 1901 East Highway 34, Ennis. Sales Agents Lodge Hall: 114 West Davilla, Granger. Directions: From Interstate 35 East at Waxa - James Mann, FIC 254-715-0275 hachie, take the Highway 287 East exit. Stay Sales Agents Cristy Girod 512-468-1347 [email protected] Hall Rental Information on Highway 287 East until you come to Ennis. Gene Pavelka 254 -749-3326 Go straight through downtown Ennis and go [email protected] 512-859-2584 Aaron Jezisek 512-639-4715 [email protected] under the overpass at Interstate 45. Then go [email protected] Lodge Meetings: First Monday of each month approximately 3/4 mile on Highway 34, and Albin Machu, CFFM 512-365-5489 at 7 p.m. (unless it’s a holiday then the meet - Lodge 25 is on the right. [email protected] LODGE 38 ing will be held on the second Monday) at the Jesse Pospisil 512-826-7371 KOVAR (1) Hall Rental Information lodge hall. [email protected] Lodge Hall: 278 Zimmerhanzel Road, Flato - 972-875-8381 Tammy Cannon 512-948-5339 nia. Hall Phone: 972-875-8381 [email protected] Secretary Rubie Loessin Hall Rental Information 512-859-2765 Lodge Meetings: Second Thursday of each 512-237-2438 - Days month at 7 p.m. at the lodge hall. 830-839-4353 - Evenings Youth Club Meetings: Second Sunday of LODGE 30 each month at 1:30 p.m. at the lodge hall. TAITON (6) Lodge Meetings: Second Monday of each Secretary Patricia Fowler Lodge Meetings: First Sunday of each month 972-878-2083 • [email protected] month at 7 p.m. at lodge hall. Youth Leader Emilie Tischler at 1:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo. 254-721-7735 Youth Club Meetings: First Sunday of each Secretary Donna Zimmerhanzel month at 1:30 p.m. at the lodge hall. 830-839-4353 Sales Agent Secretary Wanda Dorotik [email protected] 979-543-1974 • [email protected] Chris Warren 512-826-0563 Youth Leader Rita Holland [email protected] (469) 337-2284 • [email protected] Youth Club Meetings: First Sunday of each Sales Agent month at 2:30 p.m. at Taiton Community Cen - Johnnie J. Janak 512-237-5228 Sales Agents ter, 14221 FM 961, El Campo. 512-237-2432 LODGE 23 Eugene Dolezal 972-935-4363 [email protected] Youth Leader Lisa Bubela MORAVIA (6) Thomas Droste 972-965-5308 Lodge Hall: FM 957 North, Schulenburg. Di - 979-543-7120 • [email protected] LODGE 39 [email protected] rections: Located 12 miles south of Schulen - Danny Dvorak 972-821-8946 BRYAN (1) burg in Moravia. From Highway 77 between Sales Agents Lodge Hall: Cherry Bend Circle, Lot 12, Bryan. [email protected] Hallettsville and Schulenburg, take FM 532 Bradley Bacak, FIC 979-543-9362 Directions: From Highway 6, turn west on OSR. Linda Jurik 972-872-9997 West four miles to Moravia. Turn right on FM [email protected] Go 2 miles to Mumford Road and turn left. Go Kay Lynn Kovar, FIC 972-875-6827 Crystal Bacak, FIC 979-543-9362 1.1 mile and turn left on Magnolia. Take the first 957 North and go one mile. Lodge building Margaret Krajca 972-878-6149 is on the right. [email protected] right turn on Cherry Bend Circle. The lodge hall [email protected] Carolina Covarrubia 281-779-9956 is at the bend of the road (white building). Max McIntosh 972-935-2082 Lodge Meetings: Tuesday after the second [email protected] [email protected] Thomas Drapela, FIC 979-543-1142 Sunday of March, June, and September at Lodge Meetings: Second Sunday of each [email protected] month at 1 p.m. at the lodge hall. 7:30 p.m. and the first Sunday of December Karen Kaspar, FIC, CFFM 979-332-1616 at 3 p.m. at the lodge hall. [email protected] 979-543-2532 Secretary Shirley Vytopil Secretary Kathleen Guenther LODGE 28 979-218-6432 979-562-2124 • [email protected] EAST BERNARD (6) [email protected] Lodge Meetings: Second Sunday of each LODGE 32 Sales Agent month at 12 noon at Wharton County Library Sales Agents Elizabeth Holub 979-561-8640 - East Bernard Branch, 746 Clubside Drive, VICTORIA (6) Brenda Glowski 979-571-5848 East Bernard. Lodge Hall: 3502 North Laurent, Victoria. [email protected] [email protected] John Kitchens 936-396-1767 Lodge Meetings: Second Thursday of each Secretary Helen Kelner [email protected] month at 6:30 p.m. at the lodge hall. Kevin Kuder 979-574-8775 281-342-2624 [email protected] Secretary Linda H. Mozisek LODGE 24 Sales Agents 361-676-7561 CYCLONE (2) Carolyn Tims 979-900-9256 [email protected] Lodge Hall: 411 FM 964, Burlington. Direc - [email protected] tions: Lodge building is located 12 miles east Glenn Kaminsky, FIC 979-335-4461 Sales Agents of Temple, past Zabcikville. Exit at the blinking [email protected] Mark Lester 361-484-2565 light on Highway 53 to FM 485, then go one [email protected] mile to FM 964. Michael Ahlstrom, FIC, CFFM 361-578-3279 [email protected] Hall Rental Information Mary Monclova 361-572-3933 254-985-0002 [email protected] Hall Phone: 254-985-2393 Silvia Rangel 361-571-1697 [email protected] Lodge Meetings: Second Monday of each Otto Mozisek 361-676-7562 month at 7 p.m. at the lodge hall. [email protected] 26 2016 SPJST Life Insurance and Annuity Extra

Tammy Martinez 254-985-2457 Billy Rollwitz, FIC, CFFM 325-442-3141 LODGE 40 [email protected] [email protected] EL CAMPO-HILLJE (6) David Pechal 254-721-8370 Sylvia M. Rollwitz, FIC 325-442-3141 Lodge Hall: 30420 Loop 524 US Highway 59, [email protected] [email protected] Hillje. Directions: Lodge hall is located just off Corinne Popelka 254-931-1256 Kenneth Rooke 325-446-3073 US 59 in Hillje. [email protected] [email protected] Michael Seiler 254-939-0180 Loretta Schaefer 432-397-2483 Hall Rental Information [email protected] [email protected] 979-243-4222 Dolores Skrabanek, FIC 254-985-2344 Richard Sonnenberg 325-718-8445 Hall Phone: 979-648-2317 [email protected] [email protected] Lynette Talasek 254-931-0639 Beverly Teplicek 325-442-4841 Lodge Meetings: Second Sunday of each [email protected] [email protected] month at 1 p.m. at the lodge hall. Donica Zabcik 254-749-5607 Liliana Valenzuela 619-905-0228 [email protected] [email protected] Secretary Inez Villarreal LODGE 66 979-543-9342 WACO (3) [email protected] Lodge Meetings: Date, time, and location to LODGE 48 LODGE 51 be announced in the lodge meeting minutes Youth Club Meetings: Second Sunday of BEYERSVILLE (2) ELLINGER (1) printed in the Vestnik for each month’s meet - each month at 11:30 a.m. at the lodge hall. Lodge Hall: 10450 FM 619, Taylor. Direc - Lodge Meetings: Third Friday of March, ing. Call 254-799-4247 for information. tions: From Taylor, take the South Loop. Turn June, September, and December at 6:30 p.m. Youth Leader Cathy Garcia right on FM 112. Go about 1/2 mile. Turn right at Ellinger Fire Department, West Main Secretary Dana McAdams 979-332-1614 • [email protected] on FM 619. Go about three miles. Hall is on Street, Ellinger. 254-799-4510 • [email protected] the right. Sales Agents Secretary Jo Ann Divin Sales Agents Ardis Bacak, FIC 979-578-8907 Hall Rental Information 979-249-3176 Kim Allen 254-709-1227 [email protected] 512-450-8310 [email protected] [email protected] Cathy Garcia 979-332-1614 Richard Allen 254-339-9375 [email protected] Lodge Meetings: Second Sunday of each Sales Agents [email protected] Sheldon Holub, FIC 979-543-7387 month, 3:30 to 5:30 p.m.; except for the sec - Edna Bergfeld 979-732-3776 Ruby Clayborne 254-799-4790 [email protected] ond Monday in May, July, and August, at 6:30 [email protected] [email protected] p.m. and the third Monday in June at 6:30 Fausta Kaiser 979-732-1386 Kaelyn Dillard 254-694-7800 p.m. [email protected] 979-732-5030 Randolph Dillard, Sr. 254-694-5099 John Engelke 254-717-7534 LODGE 41 Secretary Juanette Susan [email protected] 512-365-8381 Johnnie Gaidusek, Jr. 254-934-2527 PORT LAVACA (6) [email protected] Lodge Meetings: Second Tuesday of Febru - LODGE 54 [email protected] 254-709-5976 Justin Gaidusek 254-718-8212 ary, May, August, and November at 6 p.m. at Youth Club Meetings: Second Sunday of WEST (3) Six Mile Presbyterian Church, Royal Road, each month at 5:30 p.m. at the lodge hall. Lodge Meetings: First Friday in March, June, [email protected] Port Lavaca. and November and the second Friday in Sep - Christine Galysh 254-754-5174 Denise Gay 254-722-0763 Youth Leader Janet Fila tember at 7 p.m. at St. Joseph Hall, 303 South 512-450-8310 Joel B. Gay 254-836-1039 Secretary Mary Sitka Harrison Street, West. [email protected] 361-552-5170 • [email protected] [email protected] Kevin Hannes 254-733-4914 Secretary Janice Kaluza [email protected] Sales Agent Sales Agents 254-826-3534 Randy House 254-749-4636 Franklin Jurek, FIC 361-920-9674 Donna Vanecek 512-736-5731 [email protected] [email protected] [email protected] 361-552-9674 [email protected] Larry Matula 254-822-1550 Bobby Wuensche 281-352-3517 Sales Agents [email protected] [email protected] Freddie Kaluza 254-826-3534 Via Jean Randolph 254-218-9736 [email protected] 254-709-2303 [email protected] LODGE 47 Janice Kaluza 254-826-3534 Michael Thompson 254-717-9008 254-749-5676 [email protected] SEATON (2) [email protected] Sammy Tull 254-857-8600 Lodge Hall: 10842 State Highway 53, Temple. LODGE 49 Jean Martin 254-854-2833 [email protected] Directions: Star Hall is located seven miles ROWENA (4) Lodge Hall: 706 FM 2133, Rowena. [email protected] Donnie Turnbough, Jr. 254-652-0707 east of Temple on Highway 53 (Adams Avenue Wilburn Willis, FIC 254-799-5394 [email protected] in Temple). Hall Rental Information [email protected] Nelson Washington, Jr. 832-508-1507 325-442-4841 [email protected] Hall Rental Information 254-760-7819 Lodge Meetings: First Wednesday of Febru - Hall Phone: 254-985-2548 ary, May, August, and November at 7 p.m. at LODGE 63 the lodge hall. LODGE 67 Lodge Meetings: First Sunday of each month SWEET HOME (6) SCHULENBURG (1) Lodge Meetings: Third Thursday of each Lodge Meetings: Call for quarterly meeting at 2 p.m. at the lodge hall. Secretary Laura Pospichal month at 7 p.m. Call for meeting location. date, time, and location. 325-442-3002 • [email protected] Secretary Patsy Koslovsky Secretary Ann Moseley Secretary Mary Ann Kutac 254-985-2396 • [email protected] Youth Club Meetings: First Sunday of each 361-594-8429 • [email protected] 979-561-8686 month at 1 p.m. at the lodge hall. Youth Club Meetings: First Sunday of each Sales Agent month at 1 p.m. at the lodge hall. Youth Leader Becky Wood Adrienne Kobza 979-561-8237 325-656-0029 [email protected] Youth Leader Joyce Kraatz [email protected] 254-760-5816 [email protected] Sales Agents Frances Aleman 325-977-0757 Sales Agents [email protected] LODGE 73 Deanna Burt 254-718-9453 Lisa Galvan 325-365-2627 SEYMOUR (4) [email protected] [email protected] Lodge Meetings: First Sunday of each Basia Carpentier 254-307-7556 Joan Halfman 325-442-4425 month at 12 noon. Call for meeting location. [email protected] [email protected] David Coufal 254-986-2448 Jimmy Jones 325-372-5522 Secretary Alice Orsak [email protected] [email protected] 325-248-3579 940-889-2391 Frank Klinkovsky, Jr. 254-721-4076 Thomas Kirkpatrick 432-558-2777 [email protected] [email protected] Sales Agent Patsy Koslovsky, FIC 254-985-2396 Eliza M. Rodriguez 325-949-9508 Christopher Moore 940-256-2263 [email protected] [email protected] [email protected] 2016 SPJST Life Insurance and Annuity Extra 27

Julie Welch 361-945-7221 Youth Club Meetings: First Sunday of each LODGE 76 [email protected] LODGE 84 month at 2 p.m. at the lodge hall. WICHITA FALLS (4) Deborah Whittington 361-939-7588 DALLAS (3) Lodge Meetings: First Sunday in March and [email protected] Lodge Hall: 2625 Floyd Street, Dallas. Direc - Youth Leader Barbara Linney-Gonzales June and second Sunday in September and Donney Zumwalt 361-815-3595 tions: From Interstate 35 East in Dallas, take 713-649-6138 December at 1 p.m. at Luby’s Cafeteria, 1801 [email protected] Interstate 20 East. From Interstate 20 East, [email protected] Ninth Street, Wichita Falls. take the Interstate 45 exit toward downtown Dallas. Interstate 45 runs into Highway 75. Secretary Diana Ibarra From Highway 75, take a right at the Bryan Sales Agents 940-224-7383 • [email protected] Street exit. From Bryan Street turn right on Carolyn Filipp Beseda, FIC 713-203-1368 LODGE 80 Cantreal Street. Go on Cantreal Street until you [email protected] Sales Agents HOLLAND (2) come to Floyd Street. Take a right on Floyd Helen Hegwood, FIC 713-864-0489 William Ibarra 940-642-6149 Lodge Hall: 12141 East FM 2268, Holland. Street. Lodge 84 is the second building on the Vincent Hegwood, FIC 281-358-7312 [email protected] Directions: On Highway 95, south of Holland, right, 2625 Floyd Street. Mildred Holeman 713-691-6434 Holly Cox 940-674-5554 turn east on FM 2268. Go 1/2 mile to lodge, [email protected] 713-305-7895 [email protected] located on the right. Hall Rental Information Janice Jahns 281-615-5046 Ray Esparza 940-692-2244 214-826-3557 [email protected] [email protected] Hall Phone: 254-657-2485 Hall Phone: 214-823-0072 Ana Latigo 713-385-0590 Ezekiel R. Garcia 940-782-3943 [email protected] Diana Geis 940-733-5328 Lodge Meetings: First Saturday of each Lodge Meetings: Third Sunday of each Larry W. Pflughaupt, FIC 713-864-2163 [email protected] month at 4 p.m. at the lodge hall. month at 2 p.m. at the lodge hall. [email protected] Jocelyn Reaves 940-257-9114 [email protected] Secretary Linda Hill Secretary Cheryl Petr Laramie Reaves 940-257-9117 254-598-0284 214-352-4397 • [email protected] [email protected] [email protected] LODGE 91 Michelle Robertson 940-322-2860 Youth Club Meetings: Third Sunday of each SAN JACINTO (5) William Waddle 940-569-2934 Youth Club Meetings: Second Wednesday month at 1 p.m. at the lodge hall. Lodge Meetings: Quarterly meetings - to be [email protected] of each month at 6 p.m. at Youth Leader Con - announced in Vestnik. Katy Williams 806-202-3925 nie Horak’s home. Call 254-541-9165 for ad - Youth Leader Lynda Novak [email protected] dress. 972-948-4456 [email protected] Secretary Vonda Smesny Youth Leader Connie Horak 713-870-7114 • [email protected] 254-541-9165 • [email protected] Sales Agents LODGE 79 Thomas Athas 817-521-6662 Sales Agents Sales Agents [email protected] Carlos San Miguel 361-562-8800 CORPUS CHRISTI (7) Lynda Novak 972-948-4456 [email protected] Lodge Meetings: Third Sunday of each Vicki Benner Slye 254-657-2628 [email protected] Charles Thomas, Jr. 832-687-1099 month at 2 p.m. at Sokol Hall, 5502 Kostoryz [email protected] Road, Corpus Christi. Frank Horak 254-657-3018 [email protected] [email protected] Vickie Wilkinson 281-446-0467 Secretary Virginia Rebecek Joe W. Liles 254-657-2488 [email protected] 361-816-3128 [email protected] 254-913-7674 LODGE 87 TEMPLE (2) Youth Club Meetings: Third Sunday of each Lodge Hall: 320 North 50th Street, Temple. Di - month at 2 p.m. at Sokol Hall, 5502 Kostoryz rections: From East Adams Avenue, turn north LODGE 92 Road, Corpus Christi. on 50th Street. Go 2/10 mile. Lodge building is on the left. FORT WORTH (3) LODGE 81 Lodge Hall: 3316 Roberts Cutoff Road, Fort Youth Leader Marcia Rew 361- 947-8233 NEEDVILLE (5) Hall Rental Information Worth. Directions: From Interstate 35 West in Lodge Hall: 13609 Violet Street, Needville. Di - Fort Worth, take Interstate 30 West to the Hen - rections: Lodge building is located south on 254-405-5168 Sales Agents derson exit. Take Henderson North, and it be - Highway 36, one mile from the traffic light in comes Jacksboro Highway (TX 199). Stay on Eligio Cueva 361-389-2444 Needville. Lodge Meetings: Third Tuesday of each month [email protected] at 7 p.m. at the lodge hall. this road north until Roberts Cutoff which is a Francisco Dheming, Sr. 361-561-7658 Hall Rental Information right off of Jacksboro Highway. The lodge (also Armando Diaz 361-945-2790 979-793-4313 • [email protected] Secretary Judith Ann Little known as National Hall) is on the right about [email protected] Hall Phone: 361-793-4742 254-913-8568 two or three blocks down the road. A Great Becky Flores 361-945-2695 [email protected] Western Inn Motel is on the corner. [email protected] Lodge Meetings: Third Sunday of each Elida Flores 361-852-0749 Sales Agents Hall Rental Information month at 1 p.m. at the lodge hall. Betty Barton 254-913-0386 [email protected] 817-624-1361 Amiel Garcia 361-438-1860 [email protected] Secretary Willie Mae Kuykendall Hall Phone: 817-624-1361 [email protected] Karin Bryant 254-338-3275 281-233-6539 Cynthia Gomez 361-534-9490 [email protected] Lodge Meetings: Second Sunday of each [email protected] Keifer Marshall, Jr. 254-773-2240 Youth Club Meetings: Contact Youth Leader [email protected] month at 2 p.m. at the lodge hall. Darel Jaramillo 210-685-6830 Bradley Stavinoha for meeting date, time, and Billye Westlake 254-913-3087 ddjii @hotmail.com location. [email protected] Ralph Juarez 361-537-5506 Secretary Mary Ann Krivanek 817-237-4320 [email protected] Youth Leader Bradley Stavinoha David Knapp, LUTCF 361-765-4646 [email protected] 979-793-2386 [email protected] Oscar Longoria, LUTCF 361-325-3551 [email protected] LODGE 88 Youth Club Meetings: Second Sunday of [email protected] HOUSTON (5) each month at 2 p.m. at the lodge hall. Javier Mora 361-549-0116 Sales Agent Lodge Hall: 1435 Beall Street at West 15th, Bradley Stavinoha 979-793-2386 Houston, Texas (the Heights). Directions: Lance Morck 361-904-6241 Highway 290—Take Mangum Dacoma exit. Youth Leader Jolie Paprskar Mozingo [email protected] 979-793-4364 [email protected] Stay on frontage road. Turn left at third traffic 817-589-1949 James Newton 956-251-5076 light onto 18th Street. Go under freeway at [email protected] [email protected] third traffic light. Turn on Beall Street. Armando Perez, LUTCF 361-814-0314 Sales Agents [email protected] Hall Rental Information Thomas Brown 940-321-8717 Abel Reyna 361-547-0064 713-869-5767 [email protected] [email protected] Lodge Hall: 713-869-5767 Pamela Durham 817-877-1502 Gail Sanchez 361-876-6669 www.lodge88.org [email protected] [email protected] Jerry Sijansky, FIC 361-853-1227 Lodge Meetings: Third Monday of each David Ford 817-239-6547 [email protected] month at 7 p.m. at the lodge hall. [email protected] Viola Thrasher 361-425-3699 Gordon Hubenak 817-498-3905 [email protected] Secretary Carol Stayton Holly Hubenak Anderson 817-337-0964 Eva Vasquez 361-765-3258 979-865-0425 [email protected] [email protected] [email protected] Kenneth Krivanek 817-237-4120 28 2016 SPJST Life Insurance and Annuity Extra

LODGE 97 LODGE 130 LODGE 141 LODGE 153 PLACEDO (6) DALLAS (3) SEALY (1) LA SALLE (6) Lodge Meetings: Second Friday in March, Lodge Meetings: For monthly meeting date, Lodge Meetings: Second Tuesday of each Lodge Meetings: Second Tuesday of March, June, September, and December at 6 p.m. at time, and location, please contact the lodge month at 6 p.m. at Gordon Memorial Library, June, September, and December at 6 p.m. Lodge 32, Victoria Hall, 3502 North Laurent, secretary or sales agent. 917 North Circle, Sealy. Call for meeting location. Victoria. President John Vrla Secretary Bernice Stolarski Secretary Mary Jane Sralla Secretary Bernadette Bellanger 214-906-3385 • [email protected] 979-885-6786 • [email protected] 512-782-3374 361-578-4253 [email protected] [email protected] Sales Agent John Vrla 214-906-3385 Sales Agents [email protected] Rick Martinez 979-885-4900 Sales Agents [email protected] David Bellanger 361-578-4253 John Simpson 713-818-9800 LODGE 154 [email protected] [email protected] FORT WORTH (3) Gay Revel, FIC 361-573-4443 LODGE 133 Lodge Hall: 6500 Boat Club Road, Fort Worth. [email protected] SAN ANTONIO (7) Directions: From Interstate 35 West in Fort Lodge Meetings: Third Sunday of each Worth, take the Interstate 20 West exit. Stay on month at 2 p.m. at Good Shepherd Lutheran Interstate 20 West until you come to 820 and Church Activity Center, 1630 Goliad Road, LODGE 142 stay on 820 until you come to the Jacksboro LODGE 101 San Antonio. HOUSTON (5) Highway and Azle Street exit. Take the Azle GAINESVILLE (3) Lodge Meetings: Second or Third Sunday of Street exit and go to the traffic light. Turn left at Secretary Rudy Paclik Secretary Vicki Reese each month, 2 p.m. at SPJST Lodge 88, the traffic light and go to the second traffic light, 940-668-6259 210-698-1525 Houston dining room or annex building, both then turn right onto Boat Club Road. Go on Boat Club Road approximately 2 1/2 miles. [email protected] located at 1435 Beall Street at West 15th, Houston (the Heights). For information, con - Lodge 154 is on the right. LODGE 107 Sales Agents tact Lodge 142, Houston President Keith Ki - Hall Rental Information FLORESVILLE (7) Theodore Aanderud 210-639-6313 eschnick 713-252-5564 or lodge secretary for 817-237-5181 Lodge Hall: 1156 FM 1303, Floresville. Direc - [email protected] information. Hall Phone: 817-237-5181 tions: From Floresville, take FM 536 West Evangeline Cisneros 210-264-8045 three miles to FM 1303. Turn right and go two [email protected] Secretary Alice Jochen Lodge Meetings: Third Sunday of each miles. The hall is on the right. Maria De Los Angeles Galvan 210-849-0584 979-743-3613 month at 3:30 p.m. at lodge hall. [email protected] Youth Club Meetings: Same time/location as Secretary Mary Steinman Hall Rental Information Maria C. Garcia 210-531-9949 817-731-2580 • [email protected] 830-393-7796 [email protected] 210-861-4985 adult lodge meetings. Yvette Garza 210-784-9876 Youth Leader Catherine Manchack Youth Club Meetings: Third Sunday of each Lodge Meetings: Second Sunday of each [email protected] month at 5 p.m. at the lodge hall. month at 3 p.m. at the lodge hall. Adilia Giron 210-865-5639 281-893-8107 • [email protected] [email protected] Youth Leader Lesli Milan Secretary Wendy Pruski Beatrice Gutierrez 210-386-4708 Sales Agents 817-320-7129 • [email protected] 210-535-4916 [email protected] Kerry Herrington 281-704-5737 Youth Leader Carrie Ann Jones [email protected] Veronica Hernandez 210-454-5456 [email protected] 817-371-1727 • [email protected] [email protected] Sales Agents Carita Felbermayr 832-465-8833 Sales Agents Laura Martinez 210-789-1061 Fred Flores 817-724-7673 Bob Bayer, FIC 830-393-2872 [email protected] [email protected] Catherine Manchack 281-893-8107 [email protected] [email protected] Jarolyn Popp, FIC 830-964-5135 [email protected] Sheri Humphreys 817-236-1304 Wendy Pruski, FIC 210-535-4916 [email protected] [email protected] [email protected] Victor M. Ramirez 956-844-1136 Joseph Steinman 817-624-1760 Cynthia Puig 956-489-4995 [email protected] [email protected] [email protected] Maria Reyes 210-412-0161 Linda Rodriguez 830-393-2229 [email protected] LODGE 148 [email protected] Sandra Rodriguez 210-777-2459 EL MATON (6) LODGE 155 Miguel Rodriguez 210-375-2131 [email protected] Lodge Meetings: Second Sunday of each [email protected] AUSTIN (2) Hector Vallejo 210-735-2204 month at 3 p.m. at Frank Hahn’s Camphouse Lodge Meetings: First Sunday of March, Jesus Romero 956-763-4498 [email protected] in El Maton. [email protected] June, September, and December. Call for Aracely Varela 210-320-5200 meeting time and location. Melvin Strey 830-420-3185 [email protected] Secretary Melissa Zielonka [email protected] Indra Votion 210-386-3383 830-373-4388 • [email protected] Secretary Ginny Prasatik Ronald Thuney 830-393-6729 [email protected] [email protected] 512-472-1721 • [email protected] Youth Club Meetings: Second Sunday of each month following the adult lodge meeting Sales Agents LODGE 135 at Frank Hahn’s Camphouse in El Maton. Minerva Leos 512-945-0284 LODGE 117 ENNIS (3) [email protected] ROBSTOWN (7) Lodge Meetings: Third Thursday of January, Youth Leader Melissa Zielonka Doris Plagens 512-888-1822 Lodge Meetings: First Saturday of March, April, July, and October at 7 p.m. at Sokol Hall, 979-618-1890 • [email protected] [email protected] June, September, and December at 1:30 p.m. 2622 East Highway 34, Ennis. Ricky D. Rodriguez 512-591-4022 at Hilltop Community Center, 11425 Leopard, [email protected] Corpus Christi. President Larry Valek Secretary Dianne Raska 214-794-7674 LODGE 151 361-334-7222 WHARTON (6) [email protected] Lodge Meetings: Second Monday of March, LODGE 157 June, September, and December at 6:30 p.m. LUBBOCK (4) Lodge Meetings: Second Sunday of every Sales Agents LODGE 139 at Wharton Depot Museum, 100 South Sun - other month at 1 p.m. Call for meeting loca - Sylvia Ballin 361-563-0800 DANBURY (5) set Street, Wharton. [email protected] Lodge Meetings: Second Tuesday of each tion. Carlos Benavidez 361-739-5907 month at 11 a.m. at The Smith Group Building, Secretary Janie Bucek [email protected] 1718 Main Street, Danbury. Secretary Cynthia Kristinek 979-532-5884 806-763-7245 • [email protected] [email protected] Secretary Lorenda Baldwin 979-922-1279 Sales Agents [email protected] Sales Agents Paul Harwood 806-681-9701 Charles Bucek, FIC 979-335-4118 [email protected] Sales Agents Gerald Macha, FIC 281-341-0320 Cynthia Kristinek 806-632-2432 Justin Smith 979-215-9667 [email protected] [email protected] [email protected] Ray Pilgrim, FIC 979-543-3754 Jay Lindley 806-369-9369 Larry Strebeck 979-922-8000 [email protected] [email protected] 2016 SPJST Life Insurance and Annuity Extra 29

LODGE 160 LODGE 177 LODGE 182 LODGE 185 SAN ANGELO (4) ACADEMY (2) FALLS COUNTY (2) NEW BRAUNFELS (7) Lodge Meetings: Second Sunday of January, Lodge Hall: 711 Rio Poco, Little River. Direc - Lodge Meetings: Second Sunday of each Lodge Meetings: Every other month—Feb - April, July, and October at 12 noon at Wall Vol - tions: Lodge building is located on south side month at 3 p.m. at The Chicken Place, 504 ruary, April, June, August, October, and De - unteer Fire Department, Wall. of Academy on Highway 95. Bridge Street, Marlin. cember. Call for meeting date, time, and location. Secretary Charlene Dusek Hall Rental Information Secretary Becky Beckendorf 325-651-4977 • [email protected] 254-982-4530 254-749-5732 Secretary Cindy Schmidtzinsky Hall Phone: 254-982-4434 512-787-9334 • [email protected] Sales Agents [email protected] Bobby G. Davis, FICF, CFFM 325-450-3748 Lodge Meetings: Second Wednesday of Youth Club Meetings: Second Sunday of Youth Club Meetings: Call for meeting date, [email protected] each month at 6:30 p.m. at the lodge hall. Sylvia Garivay 325-212-8444 each month at 3 p.m. at The Chicken Place, time, and location. 504 Bridge Street, Marlin. [email protected] Secretary Joanne Hutka Jacquelyn Gift 325-212-6456 Youth Leader Theresa Haag 254-865-2029 • [email protected] [email protected] Youth Leader Becky Beckendorf 830-625-8262 [email protected] Leonard A. Jansa, FIC 325-651-8045 Sales Agents 254-749-5732 [email protected] [email protected] Sales Agent Patti Pool 325-949-8499 Kathy Kruger 254-718-9037 April Howard 830-626-3303 [email protected] [email protected] [email protected] Lydia Talamantez 325-262-9743 Nancy Miller 254-983-0011 [email protected] [email protected] Sam Tambunga 325-944-8836 Luann Schiller-Van Lier 254-718-8153 LODGE 183 [email protected] [email protected] ARLINGTON (3) Lodge Hall: 3100 Pleasant Valley Lane, Ar - LODGE 186 lington. Directions: Take Interstate 35 West to CALDWELL (1) Lodge Hall: 937 State Highway 36, Caldwell. Fort Worth. Take the Interstate 20 East exit Directions: Lodge building is located just off LODGE 162 and proceed on Interstate 20 East until you Highway 36 on the south side of Caldwell, next IOWA COLONY (5) LODGE 179 come to the Cooper Street exit. Take the to Burleson County Fairgrounds. Lodge Meetings: First Sunday of each month WARRENTON (1) Cooper Street exit to the North and stay on at 2 p.m. at Iowa Colony Community Center, Lodge Meetings: Second Thursday of each Cooper Street until you come to Mayfield 12003 CR 65, Iowa Colony. Hall Rental Information month at 7 p.m. at Carmine Lions Club Build - Street. Take a right on Mayfield and go down 979-567-4264 and take a left on Pleasant Valley. Secretary Geraldine Kucera Frank ing, 201 Centennial Street, Carmine. 281-431-1474 Lodge Meetings: Second Tuesday of each [email protected] Secretary Melissa Wickel Hall Rental Information month at 6:30 p.m. at the lodge hall. 979-278-3930 817-465-8538 • 214-876-9029 Youth Club Meetings : First Sunday of each [email protected] Hall Phone: 817-465-8538 Secretary Michelle Mendez month at 2 p.m. at Iowa Colony Community 979-567-9144 Center, 12003 CR 65, Iowa Colony. Sales Agent Lodge Meetings: Third Monday of each [email protected] month at 7 p.m. at the lodge hall. Youth Leader Brenda Moyle Ricky Weyand 979-249-5679 Youth Club Meetings: First Sunday of each 281-369-3503 • [email protected] rickylw59@ yahoo.com Secretary Darlene Hollingsworth 817-417-6071 month at 2:30 p.m. at the lodge hall. Sales Agents [email protected] Wardell Starling 281-250-8168 Youth Leader Yolanda Brinkman [email protected] Youth Club Meetings: Last Friday of each 979-567-0637 William Reynolds 832-882-4660 LODGE 180 [email protected] [email protected] BURLESON (3) month at 7 p.m. at the lodge hall. Lodge Hall: 1150 South Burleson Boulevard, Burleson. Directions: Interstate 35 West, one- Youth Leader Debra Daniel Sales Agents quarter mile south of Hidden Creek Parkway 817-472-6261 Thomas Cannon 979-567-4264 exit in Burleson. [email protected] [email protected] LODGE 169 Margaret Haisler 979-219-1983 BRENHAM (1) Hall Rental Information Sales Agents [email protected] Lodge Meetings: Fourth Thursday of Febru - 817-558-2400 • 817-295-3483 Hiram Dixon 254-231-7722 Samuel Johnson 979-575-1151 ary, April, June, August, October, and De - 817-371-0255 • 972-268-0022 [email protected] [email protected] cember at 6 p.m. at Mobius Coffeehouse and Hall Phone: 817-295-9665 Sabino Garcia 817-909-8899 Michelle Mendez 979-567-9144 Pizza Connection, 1120 South Market Street, [email protected] [email protected] Brenham. Meal, social, and meeting from 6 Lodge Meetings: First Tuesday of each Eugene Havran 817-467-3010 Victor Mendez, Jr. 979-567-9144 to 8 p.m. The December meeting is on the [email protected] [email protected] first Sunday at 12 noon. month at 6:30 p.m. at the lodge hall. Ray Jordan, Jr. 817-477-7351 Secretary Lenora Bliznak Secretary Rhonda Hurtik [email protected] 979-836-9875 972-268-0022 Kattia Lange 786-285-4779 [email protected] [email protected] Sales Agent Sales Agent Arnoldo Lerma 682-438-4693 Nello Strickland 979-451-3229 Nancy Kelly 817-558-7347 [email protected] [email protected] Daniel Roznovsky, FIC 972-252-6763 [email protected] Rhonda Steelman 972-294-1043 LODGE 181, CONROE (5) [email protected] LODGE 172 Lodge Meetings: Fourth Tuesday of each Katherine Weeks 817-896-5277 PASADENA (5) month at 6 p.m. at Central Library in Conroe. [email protected] Lodge Hall: 3609 Preston Road, Pasadena. Secretary Patsy McClellan Hall Rental Information 936-788-5714 713-993-6878 [email protected] LODGE 184 Hall Phone: 281-487-3297 MOULTON (6) Sales Agents Lodge Hall: FM 532 West, Moulton. Direc - Lodge Meetings: Fourth Sunday of each John Cole 936- 662-6440 tions: From Texas 95 in Moulton, take FM 532 month, meal at 1 p.m. followed by meeting at [email protected] 2 p.m. with the exception of November and West four miles. Lodge hall is located on the December, as noted. James Dinaso 281-836-3649 right. [email protected] 832-407-4272 Secretary Jerry Dressler, Jr. Artresa Johnson 936-581-2564 Lodge Meetings: Second Wednesday of 281-488-1405 • [email protected] [email protected] each month at 7:30 p.m. at the lodge hall. Charles Toney III 281-362-9062 Sales Agent [email protected] Secretary Terry Stevenson Sophia Rainey 713-775-4698 Barbara Williams-Rash 936-295-7778 361-772-0046 [email protected] [email protected] [email protected] 30 2016 SPJST Life Insurance and Annuity Extra

Youth Club Meetings: First Sunday of each Pamela Lehmann 806-535-8356 LODGE 187 LODGE 196 month at 1:15 p.m. at Jourdanton Community [email protected] ROUND ROCK (2) HOUSTON-WEST (5) Center, 1101 Campbell Avenue, Jourdanton. Will Carson Lehmann 806-441-2636 Lodge Hall: 920 Luther Peterson Place, Lodge Hall: 17810 Huffmeister Road, Cy - [email protected] Round Rock. Directions: From Taylor, take press. Directions: Off Highway 290 West at Youth Leader Regina House Johnie Turpen 806-543-0433 Highway 79 into Round Rock until you get to Skinner. 830-570-2046 • [email protected] Sunrise. There will be a 7-11 store on the [email protected] right. Turn right and proceed past Hopewell Sales Agents Johnie Turpen, II 806-895-4448 Hall Rental Information [email protected] School. Continue through the four-way stop. 281-351-1045 • 281-373-9482 Janice Favor 830-429-3090 Luther Peterson Boulevard is the first street Melissa Turpen 806-293-2651 Hall Phone: 281-373-9482 [email protected] on the left. From Temple, take IH 35 South. Cheryl Henry 830-570-0100 [email protected] Just past Georgetown, exit on University [email protected] Janeece Williams 806-632-5239 Boulevard. Proceed to stop sign. Take left on Lodge Meetings: Second Sunday of each Chester Gail Lee 830-579-4714 [email protected] University Boulevard The third street is Sun - month at 1 p.m. at the lodge hall. [email protected] rise. Take right onto Sunrise. The second Linda Ramey, FIC 830-393-3320 street to the right will be Luther Peterson Secretary Deann Beckendorf [email protected] Boulevard. 254-275-8028 Catherine Sadler 210-776-2371 [email protected] [email protected] LODGE 219 Hall Rental Information EL PASO (4) Lodge Meetings: Second Wednesday of 512-255-1554 • 512-771-4948 Sales Agents each month at 9 a.m. Call lodge secretary for Deann Beckendorf 254-275-8028 meeting location. Lodge Meetings: Second Sunday of each [email protected] LODGE 204 month, 2 to 3 p.m. at the lodge hall. Daniel Chades 832-515-7360 STEPHENVILLE (3) Secretary Edna Rivas [email protected] Lodge Meetings: Call Norman Kneschk 915-727-2048 • [email protected] Secretary Deborah Rohlack 254-386-3222 or email 512-897-2616 • [email protected] Mark Childres 832-496-6646 [email protected] for meeting date, [email protected] time, and location. Sales Agents Sales Agents Delisle Doherty 832-232-2049 Ana Ahumada, FIC 915-867-8007 Christopher Giesenschlag 830-385-6955 [email protected] Secretary Sandra Pierce [email protected] [email protected] Donald Fruin 832-651-5388 254-485-5801 Ana Albo-Bonilla 915-694-0846 [email protected] [email protected] [email protected] Rubie M. Volek, FIC 512-771-4948 Gilberto Aldaz 915-222-2016 [email protected] Cecil Penright 281-820-3677 Sales Agents [email protected] [email protected] Jesus Alvarado 915-630-6745 Norman Kneschk, FIC 254-386-3222 [email protected] [email protected] Sally Arreola 915-253-2235 Philip McBee, FICF, CFFM 325-647-1949 [email protected] LODGE 189 [email protected] Gloria Avilez 915-892-8529 BRYAN-COLLEGE Floyd Pierce 254-965-5953 [email protected] STATION (1) LODGE 200 [email protected] Adolfo Chabre 915-504-5493 Lodge Meetings: Second Sunday of March, BRUCEVILLE-EDDY (2) Sandra Pierce 254-485-5801 [email protected] June, September, and December at 2 p.m. at Lodge Meetings: First Wednesday of each [email protected] David Corral 915-274-2451 (unless otherwise noted) C and J Barbecue, month at 6:30 p.m. at Taylor Hall/Bruceville- [email protected] 1010 South Texas Avenue in Bryan. Victor Corral 915-790-7108 Eddy Senior Center, 100 Fourth Street, Eddy. [email protected] Secretary Gerald Rieger, Sr. Sandra Del Socorro Cortez 210-287-6186 Secretary Michael Hosch LODGE 207 [email protected] 979-778-1592 • [email protected] 254-859-3989 IOWA PARK (4) Guadalupe Diaz de Rodriguez 720-416-9799 [email protected] Lodge Meetings: Third Thursday of each [email protected] Sales Agents month at 6 p.m. Call lodge secretary or sales Guillermo Dieguez 915-252-7324 Frank Bosquez, Jr. 979-739-6884 agents for meeting location. Margarita Duran 915-345-8719 Henry P. Mayo 979-693-5818 Sales Agents [email protected] [email protected] Sandra Garrett 254-938-2424 Secretary Joyce Kotulek Hilda Escajeda 915-328-4915 Uldric Zemanek, Jr. 979-822-3277 [email protected] 940-855-0882 [email protected] [email protected] Gene McBride 254-228-6465 [email protected] Javier Felix 915-202-4386 [email protected] [email protected] David Nauert, FIC 254-534-0809 Sales Agents Sylvia Fernandez 915-584-7697 Dennis Kotulek 940-855-0882 [email protected] [email protected] Gloria Fierro 915-666-7592 LODGE 191 [email protected] [email protected] LUFKIN (5) Joyce Kotulek 940-855-0882 Rosa Flores 915-626-7376 Lodge Hall: 197 Hughes Street, Lufkin. [email protected] [email protected] LODGE 201 Aida Gonzales 915-383-0504 Hall Rental Information BLEIBLERVILLE- [email protected] 936-875-2867 Gerarda Grajeda 915-926-0440 Hall Phone: 936-637-2706 NELSONVILLE (1) LODGE 215 [email protected] Lodge Hall: 3948 FM 2502, Bleiblerville. Di - Ivan Grajeda 915-540-1253 rections: Lodge building is across the street Lodge Meetings: Monday before the third SOUTH PLAINS (4) [email protected] from the post office in Bleiblerville. Lodge Meetings: Every third Sunday of Jan - Luis Grajeda 915-494-3399 Friday night of each month at 7 p.m. at the uary, March, May, July, and September at 6 lodge hall. [email protected] Hall Rental Information p.m. Call lodge secretary for meeting location. Luis Grajeda, Jr. 915-867-3399 979-830-0796 • 979-830-0118 [email protected] Secretary Patricia Ann Scogin Julian Guedea 915-926-9503 936-875-2867 Secretary Pam Lehmann 806-561-4822 • [email protected] [email protected] [email protected] Lodge Meetings: Second Sunday of each Denise Guzman 915-538-6253 month at 3 p.m. at the lodge hall. [email protected] Sales Agents Youth Club Meetings: Third Sunday of each Gloria Guzman 915-588-9815 Calvin Anderson, II 936-634-1962 Secretary Elaine Duron month at 5 p.m. Contact Youth Leader Ja - [email protected] [email protected] 979-836-5446 neece Williams 806- 632-5239 for location. Maria Jaime 915-887-7542 Tucker Weems 936-634-4081 [email protected] [email protected] Youth Leader Janeece Williams Reynaldo Lopez, Jr. 915-667-3702 806-632-5239 [email protected] Elizabeth McCue 915-203-4710 [email protected] [email protected] LODGE 202 Elizabeth McKula 915-843-7578 JOURDANTON (7) Sales Agents [email protected] Lodge Meetings: First Sunday of each Laura Cordero 806-292-9086 Mariana Molina 915-892-1150 month at 2 p.m. (March, June, September, [email protected] [email protected] and December at 1 p.m.) at Jourdanton Com - Cynthia Flores 806-729-9880 Michelle Noriega 915-241-3305 [email protected] [email protected] munity Center, 1101 Campbell Avenue, Jour - Virginia Noriega 915-526-6984 danton. Leah Flores 806-293-2651 Baltazar Nunez, FIC 915-584-8484 [email protected] [email protected] Secretary Bettie House Roxanne Garcia 806-518-4801 Max Parra, Jr. 915-433-7123 830-281-8246 • [email protected] [email protected] [email protected] 2016 SPJST Life Insurance and Annuity Extra 31

Jesus A. Perea 915-494-1009 LODGE 232 LODGE 171, LOCKHART (1) LODGE 234, LULING (1) Rosa Ramirez 915-694-6029 Sales Agents [email protected] Sales Agent HOUSTON MIDTOWN (5)* Carol Castillo 512-787-3430 Guadalupe Rangel 915-921-1860 Sales Agents Boyd Maxwell 830-875-3244 [email protected] Chris Liebum, LUTCF 832-252-9413 [email protected] Julio Rangel 915-856-3619 [email protected] William “Bill” Cleveland 512-488-2282 [email protected] [email protected] Cecil Roberts, FIC 832-256-9483 [email protected] Juan Reyna 915-256-4346 [email protected] Carlos Eureste 512-227-1949 [email protected] Robert Solis 361-972-2420 [email protected] LODGE 238 Jose Regalado 915-490-6040 Clay Zapalac 281-750-2920 Linda Eureste 512-376-0104 [email protected] GOLDTHWAITE (4)* [email protected] [email protected] Sales Agent Alejandro Rivas 915-857-7216 Milagros Eureste 512-412-2271 [email protected] Kim Wesson 325-648-3065 Arnulfo Rivera, FIC 915-630-8074 [email protected] [email protected] LODGE 246 Tracy Kennemer 512-227-4203 [email protected] Alma Rodriguez 915-772-2493 MORGAN’S POINT (2) [email protected] [email protected] Lodge Meetings: Second Tuesday of each Rufus Morales 512-804-6969 Bertha Rodriguez 915-217-8992 month at 12 noon at SPJST Home Office, [email protected] LODGE 242, AMARILLO (4)* Francisco Rodriguez-Rojas 915-276-0970 Dana Murray 512-227-1488 Sales Agents [email protected] 520 North Main Street, Temple. [email protected] Lesa Browning 940-585-4625 Rafaela Silva 915-613-7805 Gloria Peralez 512-749-5551 [email protected] Secretary Melanie Zavodny [email protected] [email protected] Sergio Vazquez 915-243-9726 254-534-0807 • [email protected] Helen Lambert 940-937-2077 [email protected] Clint Roberts, FIC 512-398-6755 Sales Agents [email protected] [email protected] Tamara Gettys 254-598-2831 Kelsey Schawe 512-376-5141 [email protected] [email protected] LODGE 229 James Hutto 325-247-5918 Kenneth Schawe 512-398-4433 ABILENE (4) [email protected] [email protected] LODGE 256 Lodge Meetings: Second Tuesday of each James Lee, III 254-289-6816 Carrie Staton, FIC 512-738-0801 DENVER CITY (4)* month at 6 p.m. Call for meeting location. [email protected] Sales Agents Don Miller 254-760-3726 Dennis Haralson 432-758-5886 Secretary Jerry Wayne Macek [email protected] LODGE 178, LONGVIEW (3) Sales Agents 325-672-0577 Michael Miller 254-913-6641 [email protected] [email protected] Ronnie Ballard 903-785-0467 Susan Leach 806-592-9184 Sales Agents [email protected] Jesusita Hudson 325-370-0573 Matthew Scott Reid 254-493-9058 [email protected] [email protected] [email protected] Vicki Ballard 903-785-0467 Jerry O’Briant 325-235-2671 Marissa Salinas 254-220-9240 [email protected] [email protected] [email protected] David Cotham, Jr. 903-736-4637 LODGE 264, PLANO (3)* Antonio Prieto, Jr. 325-340-7830 Mary Shockley 325-277-6467 903-758-1966 Sales Agent [email protected] [email protected] [email protected] Dennis Bradford, FICF 972-215-6999 Kathleen Ramos 432-425-1163 Robert Lessmeier, II 903-452-8989 [email protected] [email protected] [email protected] Mark Smith 325-572-4288 [email protected] LODGE 258 Fredrick Miller, Jr. 903-639-1990 Janice Stevens 325-537-9224 SEGUIN (7) [email protected] LODGE 265, ODESSA (4)* [email protected] Lodge Meetings: Call President Chester Larry Quinn 903-753-8338 Sales Agent Linda Tipton 254-485-3289 [email protected] [email protected] Jenke 830-303-4316 or Treasurer Colleen Stanley Huffty 432-638-1681 Jenke 830-303-4316 for meeting date, time, Lee Ann Shinn 903-539-3369 [email protected] and location. [email protected] Gwendolyn Walsh 903-639-3159 LODGE 230 Secretary Henrietta Lowak [email protected] LODGE 272, DEL RIO (4)* MIDLAND (4) 210-667-1435 • [email protected] Sales Agents Lodge Meetings: Call for meeting date, time, Loida Arellano 830-469-9789 and location. Sales Agents LODGE 188, CENTERVILLE (1) [email protected] Dominga Esquivel 512-396-0642 Sales Agents Secretary Jessi Montez Sharon Carrigan 979-828-5249 Taide Blas 830-719-6899 432-682-0191 [email protected] Chester Jenke, Sr., FICF 830-303-4316 Belinda Liner 979-280-0221 Maribel Canela 830-374-2844 Sales Agents [email protected] [email protected] [email protected] Olivia Madrid 432-349-9378 Colleen Jenke 830-303-4316 Rhonda Stover 979-828-5041 Liliana R. Cedillo 830-765-8482 [email protected] [email protected] [email protected] [email protected] Velia Mestas 432-336-5200 Kurt Strey 830-779-2238 Juan Diego 830-719-9342 [email protected] Diana Ramirez 432-889-8487 [email protected] 210-912-0850 [email protected] Jimmy Slatton 432-683-0812 LODGE 206, TRI COUNTIES (3) Ayde B. Garcia 830-422-2887 H H H H H H Secretary Wilmer Herring [email protected] End of Active Lodges [email protected] 254-562-7508 Cynthia Hargrove 830-313-2776 [email protected] Inactive Lodges with Secretary [email protected] Tammy Hyslop 830-734-1048 Sales Agent [email protected] and/or Sales Agent Contacts Melissa Pew 254-729-5005 Maria Mendoza 915-920-8769 [email protected] [email protected] LODGE 21, ENGLE (1) LODGE 106, LA GRANGE (1) Antonio Morales 210-501-4751 Secretary James Kubecka Secretary Charlie Ripper LODGE 223, PALACIOS (6) [email protected] 361-865-2677 Sales Agent 979-968-5603 Rosa Morales 210-383-9275 Robert Solis 361-972-2420 [email protected] LODGE 57, G ONZALES (1) Theresa Murray 830-313-0975 Secretary Tommy Wilson [email protected] 830-672-3614 LODGE 125, WESTHOFF (6) LODGE 226, CORSICANA (3)* Sales Agents Martin Olvera 830-298-7672 Secretary Edwin A. Baros Maci Corder 903-340-7779 Salina Raymond 210-849-4742 LODGE 82, ENNIS (3) 361-275-8877 [email protected] [email protected] Secretary Miles S. Strunc Denise Brown 903-874-5242 Priscilla Tovar 210-367-6783 972-875-6757 [email protected] [email protected] LODGE 149, ALVIN (5) Doris Horne 254-722-9760 Rolando Vargas 830-469-9003 [email protected] LODGE 94, WHEELOCK (1) Secretary Carole Truksa [email protected] Secretary Lloyd Scasta Oda Ruth Martin 903-425-4842 979-589-2328 281-585-3143 [email protected] * Lodge Not Organized Life Insurance and More

Home Office: 520 North Main Temple, Texas 76501 800-727-7578 [email protected] www.spjst.org