Fraternity-Testvériség, 1967 (45. évfolyam, 2-12. szám)
1967-11-01 / 11. szám
Sn Sie jCiglt Of Sic "Word: We Thank Thee, Oh Lord . . . Thanksgiving Day is one of America’s great national holidays. It had its origin in the harvest festival of the Pilgrims at Plymouth in 1621. The first Presidential Proclamation of the holiday was issued by President Washington in 1793. However, for decades it remained chiefly a New England festival. Then, in 1846, 121 years ago, Mrs. Sarah Josepha Hale, author of the nursery rhyme “Mary Had a Little Lamb” and editor of the nationally read magazine, Godey’s Ladies Book, began her one-woman campaign to make the observance annual and national. She wrote editorials in her magazine and thousands of letters to successive Presidents, Congressmen and State Governors. As a result of her efforts, by 1858 all but six states celebrated Thanksgiving Day on the last Thursday of November. The holiday became nationally established through President Abraham Lincoln’s Thanksgiving Day Proclamation of 1863. All subsequent presidents have followed Lincoln’s example in proclaiming this important holiday and it is now fixed by law. (ACNS). Having reached the month of November again through the grace of God, we are called upon to celebrate another national Thanksgiving Day, and offer thanks to Almighty God for His bounteous blessings which He so graciously bestowed upon us as individuals, as a people and as a nation. A spirit of gratitude should animate every soul to give expression once again not only in words, but in some substantial way for God’s goodness to all of us. If we take an account of our blessings, we can readily see that we owe Him thanks for ... our life; our precarious yet wonderful world; the age in which we live; the increased veaming for freedom and for free civil institution; a broader and deeper reverence for law, both moral and civil; a deeper spirit of faith, hope, love and sympathy; for the willingness to help our fellowmen, both at home and abroad; for the ever increasing spiritual and material wealth we enjoy; for country, home and loved ones — and a multitude of other blessings. But praising the Lord by words is merely the first step in thanksgiving. God will recognize our feeling of gratitude for His bounteous gifts through our good deeds. There are countless opportunities in life to do good unto others: Have you heard the cries of the suffering millions throughout the world . . .? Have you opened your heart to the call of your country, your Church or your neighbor . . .? Do you share, as a Christian and as an American, in making this world a better and more peaceful place in which to live . . .? Each call for love and help is a Christian opportunity through which we can all prove our gratitude in deeds toward God and our fellowman. Do you have health and strength . . .? Do you have a country, a home . . .? Do you have a church — faith in God as your provider and personal contact with Christ as your Saviour . . .? If you do then be happy, be content . . . because you have everything. Thus with grateful hearts, mindful of the beauty of nature all about us, the spiritual and physical blessings bestowed upon us daily, concious of what we owe our God, our friends and our fellowmen, let us give thanks to God. A thankful heart is a happy heart! j~raternally ^jj ours — KNOW YOUR INSURANCE Study Our Sensational New Plans — Learn Your Insurance Terms In the very near future two brand new insurance plans: “The Reducing Term and the Retirement Income at 65” will be put on the market by our Federation. Before the new plans go on sale I thought it advisable as well as beneficial to acquaint our fieldmen, branch managers and members with these plans and point out the advantages they offer to juveniles and adults up to age 50. Along with the descriptions of our newest plans we are also glad to give simple definitions of insurance terms which we hear very often in connection with insurance but the exact meaning and applicability of which we may not know. So read all about them, study and learn these plans and terms which may prove to be good sales tools. REDUCING TERM RIDER FROM 16 - 50 I This low cost but highly recommended insurance plan which will be attached to our regular plans as a rider is especially appropriate when the member (1) wishes to insure that the balance of a mortgage can be paid off upon his death or (2) wishes to obtain a largest possible face amount of immediate insurance for the amount of premium he can afford to pay. A member with a $10,000 20 year mortgage, for example, could cover it (with a little left over — the excess depending on when the member should die) by purchasing only $2,000 basic life insurance (Whole life, 20 Payment Life, etc.) and a $10,000 reducing term rider. At issue age 35 on the Whole Life plan, would cost only $8.99 a month decreasing to $4.29 after 17 years where $10.000 Whole Life costs $19.73. The total benefit would be $12,000 in the 1st year, $11,500 in the 2nd, $11,000 in the 3rd, etc., reducing by $500 a year to $2,000 at the end of 20 years, then remaining level for life. This rider would be issued for any of 5 terms: 10, 15, 20. 25 or 30 years. The amount of insurance on the rider would reduce by the same amount each year until it reached zero at the end of the term leaving only the basic life insurance in force. Premiums would be payable for all but the last few years of the term. The following table illustrates the premium period and the amount of annual decrease in the amount of insurance per $1,000 initial amount for each term period as well as the ages at which the rider would be issued: Annual Decrease Term Issue Premium per $1,000 (benefit period) Ages Period Initial Amount 10 years 16-60 8 years $100 15 years 16-55 13 years 67 20 years 16-50 17 years 50 25 years 16-45 21 years 40 30 years Conversion 16-40 26 years 33 At any time during the premium period up to age 65 the Reducing Term insurance could be converted without evidence of insurability to permanent insurance. The maximum amount of permanent insurance would be 80% of the current reduced amount of term insurance. The premium rate would be the rate illustrated by the Federation for new issues at the date of conversion. The age used to determine the premium would be the member’s age, nearest birthday, at the date of conversion. For example, a $10,000 25 Year Reducing Term rider would have a reduced amount of $6.000 7
