Fraternity-Testvériség, 2006 (84. évfolyam, 1-4. szám)
2006-10-01 / 4. szám
Report of the Secretary/Treasurer There are many types of life insurance policies available to you, but the whole life policy offered by your Federation is still an outstanding investment. This type of policy offers guarantees and security not found in universal life and variable life insurance policies where the premiums are on an increasing schedule. The universal and variable life insurance premiums rise over time because mortality risk increases with age. Also, major insurance companies have been shifting the mortality and investment risks to their consumers. With whole life insurance offered by HRFA, your fraternal benefit society assumes the investment and mortality risk. The greatest benefit of the HRFA whole life insurance membership certificate is that it is affordable. The level-premium plan protects you against paying prohibitive premiums as you get older. Moreover, this membership certificate never expires as long as you pay the same premiums or pay your certificate. Therefore, you are protected as long as you live. This is a valuable protection because you provide funds for your beneficiaries, for any final illness that may occur and for funeral expenses. In addition, the whole life insurance also accumulates cash value so you can borrow to fund various living needs of you, the certificate owner. So, it is smart to buy this type of policy versus all others from HRFA; if you want insurance when you die, whole life is the kind to buy. Unfortunately, an alarming number of Americans lack any kind of life insurance needed to ensure their families’ financial security. Recognizing this fact, the U.S. House of Representatives and the U.S. Senate passed separate resolutions to establish, in the last three fall sessions, a “National Life Insurance Awareness Month.” During the debate about these resolutions, the members of the U.S. Congress stated that life insurance is often thought of only when it is too late. One member noted that only four in ten Americans owns an individual life insurance policy and often the amount is too small to safeguard the financial future of their loved ones. In all, about 70 million Americans are lacking the life insurance coverage they need. Among these 70 million Americans is our American-Hungarian community. They too, lack adequate protection. As members of our Federation, it is important that we raise awareness about the essential role of life insurance in the financial lives of our neighbors and friends. We can help families and individuals to find the insurance products that best fit their needs. To learn more about these insurance products, please visit or call your branch manager or me. A very blessed 2007 to all, Leslie László Megyeri ♦ ♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦ HRFA part-time sales agents needed!!! HRFA is a successful Fraternal Life Insurance Company. Our headquarters is in Washington, D.C. We have a sense of fraternalism that unites us over generations. Our central goal is to spread our fratemalism across our states by providing great benefits and many charitable events and activities. HRFA continues to grow with generations of new members joining. The need for new agents has never been more important than now. By becoming an agent, you can become part of a successful organization that makes a difference in people’s lives everyday. Our most successful agents will train you on becoming a part-time agent. They will answer your questions and share with you their most successful strategies. The knowledge you will receive will make you even more confident with our products. We will constantly assist you along your way because you will be an important part of our organization. You can work from home during your spare time. You do not need a life insurance license up to a certain amount of sales because we are a fraternal organization. You can make extra money and get to know more people in your community. We will also sponsor and pay for licensing for exceptional people. If you feel that you are ready to join us today, please call our home office so you can contact the right people who can begin your training now! Our success depends on you, but first, your success depends on us! Call us today at 888-KOSSUTH Page 4 Fraternity - Testvériség
