William Penn Life, 2017 (52. évfolyam, 1-12. szám)
2017-01-01 / 1. szám
THE MOST WONDERFUL TIME of the year has come and gone once again. The tree that just weeks ago was the focal point of the living room is now stripped to nothing and pouting at the curb: no ornaments to speak of, just a few stray strands of tinsel drifting in the wind. I think that tree may represent people in many ways. So many of us are filled with love, promise and hope in December only to feel deflated and overstuffed simultaneously when January is ushered in. The holiday let down is as mystical as holiday hype. Why we do it to ourselves is a mystery. If we could only be "December joyful" all year around. Here's a fun thought, we can be. Those feelings of faith and love and that sense of family are always with us. But just like the big sweaters covered with Santa faces or snowmen, we only bring them out for show for a few short weeks of an entire year. Instead of New Year's resolutions, I vote for "New Year's will nots": I will not lose my anticipation for having a special day every day. I will not put my faith or my love for mankind in a box and store it in the attic. I will not turn my head when someone is in need, suffering or hurting. I don't think anybody willfully tucks their Christmas spirit away, it just happens when it's no longer on top of your mind. Let's not put it away, the spirit that soars so Photo © Can Stock Photo/rácom high in the twelth month. Keep one ornament out as a reminder all year long. Place it on the mantle, beside the television or on the kitchen windowsill as a reminder that we need that love, that compassion, that peace on earth, every single day. Cathy Graham is director of the Graceful Aging Wellness Center at Bethlen Communities in Ligonier, Pa. Moneywise Continued from previous page if we have a type of certificate that is commonly referred to as a "final expense" or "burial" policy that will provide additional assets to help offset the cost of the funeral, or final expenses. While "final expense" type policies come in various shapes and sizes, one thing they all have in common is that they are actually life insurance policies. Some companies issue final expense policies in which the insured must survive for a period of two years before receiving the full benefit. These are typically called "graded benefit" policies, in that the benefit is "graded" upwards to the full value, typically after a two-year period. These types of plans offer a reduced benefit during the first two years, but I have seen some that offer nothing more than a refund of premiums should the insured die before the expiration of the two-year period. If you or a loved one find yourself searching for this type of policy, I'd first consider a plan that is "fully underwritten," or is a true "guaranteed issue" contract, that pays 100 percent of the death benefit from day one. One of WPA's most popular choices for a "final expense" type of coverage is known as our Ordinary Life Senior Special. This plan was designed for seniors that are in generally good health, with standard risks accepted through Table 4. This means that you don't need to be 100 percent healthy, and we consider applicants who may have diabetes, high blood pressure, build issues or many other ailments that could cause you to be less than a standard risk. Please see the chart on the previous page to see how much coverage you may qualify to receive whether paying $200 or $400 per year. It's also important to realize that smokers and non-smokers pay the same rates under this program. You can also pay your premiums monthly, quarterly or twice a year. Your WPA agent or broker can help you determine if this type of policy fits your needs, and can help determine if you qualify based on a few simple questions. Don't have an agent or broker currently assigned to your account? Please call our Sales Department at the Home Office at 1-800-848-7366 to have your questions answered or to have an agent assigned to you. We're always here to help! From Bob and Laurin in the Sales Department, we wish all of our members a safe, happy and prosperous New YearO WILLIAM PENN LIFE 0 January 2017 0 5 Aging Well with Cathy Graham Keep the joy flowing
