Issuu

Gleaner Life Family Term

Protection for your entire family A familyâ€™s togetherness provides security and strength. Finding an affordable way to protect that bond is important. With Gleaner Life Family Term, you can make sure life insurance coverage doesnâ€™t fall to the wayside between soccer practice and date night. Available in 15-, 20-, 25- and 30-year periods, Gleaner Life Family Term offers your whole family protection you can rely on. By bundling riders*, you can economically protect your spouse or your children with the simplicity of a single certificate and premium payment. Even more, these riders provide exchange options for spouses and conversion options for children, guaranteeing affordable coverage in the future. Gleaner Life Family Term also features an Accelerated Death Benefit, Waiver of Premium rider* and the option to convert your term coverage to permanent, cash value life insurance.

Contact your Gleaner agent to learn how you can protect your entire family with Gleaner Life Family Term.

Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. Form #ICC13-TCERT with state-specific variations. *Added cost applies for these riders.

Satyrenko/Bigstock.com

www.gleanerlife.org

Contents Spring 2016

features

at a glance

4 Gleaner’s financial

On the cover

stability

In this annual message from Jeff Patterson, senior vice president and CFO, learn more about Gleaner’s financial strength and performance over the past year.

Solutions for life

You may think you are too young or too old for life insurance, but you may not be considering all of your life insurance needs. Learn more about coverage for every stage of life.

22 Resolution of Sorrow: Richard Bennett

10 Support the

Fraternal Resolution

22 Remembering Gleaner

Join us for a family event

Giving back

News & reviews

JOIN HANDS DAY

From the president

Arbors in action

50- and 75-year members

Interests

9 Welcome, White Pine Arbor!

The Gleaner mailbag

15 Dave Sutton retires from Board of Directors

Do you enjoy searching for Gleaner’s wheat stalk? It's hidden in every issue of Forum Magazine. Having difficulty finding the wheat stalk in this issue? Look on page 24 for the answer.

www.gleanerlife.org

Agent Lou Kollias

Understanding annuities

Recipe File

Korinne’s Korner

Order children’s books

Benny’s page

Forum Magazine is made from soy-based ink products and is recyclable. Make a small impact on conservation by recycling this publication or passing it on to a friend.

Forum Magazine \ Spring 2016 \

FORUM Spring 2016 / V. 121 / No. 2

National Officers Kevin A. Marti, FSA, CLU, ChFC President and CEO Jeffrey S. Patterson, FLMI Senior Vice President, CFO, Secretary and Treasurer Administrative Officers D. Arell Chapman, CRISC Vice President, Information Technology Daniel L. Gordon, FICF, CRPC® Vice President, Agency and Marketing Janet A. Goulart, CSA Vice President, Human Resources and Administration and Assistant Secretary Sherry L. Nino Vice President, Fraternal Operations Wally D. Taylor, FALU, CLU, ChFC, FLMI Senior Vice President of Insurance Operations Board of Directors Suann D. Hammersmith, Chair Terry L. Garner, Vice Chair Donna K. Baker / Margaret M.S. Noe Daniel R. Sutton / Todd M. Warner Mark A. Wills / Frank Dick, Chairman Emeritus Supreme Arbor Officers Connie Bland, Supreme Chief Gleaner Jeff Price, Supreme Vice Chief Gleaner Dick Hadden, Supreme Chaplain Norma Garner, Supreme Conductor Linda Ruehrmund, Supreme Guard Forum Magazine Staff Alanna Cook / Grier Edwards Dan Gordon / Chuck Monahan

Celebrate

JOIN HANDS DAY

May 7, 2016

with your local arbor

Salina Richards / Julie Tison National Headquarters 5200 West U.S. Highway 223 P.O. Box 1894 Adrian, Michigan 49221-7894 p 517.263.2244 or 800.992.1894

When different generations join forces, amazing things can happen. That’s why Gleaner is celebrating the power of youth and adults accomplishing great things together on JOIN HANDS DAY, May 7, 2016. JOIN HANDS DAY (JHD) is a national day of volunteer service, connecting youth and adults while implementing projects to improve their neighborhoods. Sponsored by America’s fraternal benefit societies, JHD encourages people of different generations to volunteer together to build greater mutual understanding, respect and trust while improving their communities. To find an arbor or JHD event near you, contact the Fraternal Department at fraternal@gleanerlife.org.

f 517.265.7745 www.gleanerlife.org forum@gleanerlife.org Hours Monday - Friday: 8 a.m. - 4:45 p.m. EST The National Gleaner Forum is published quarterly by Gleaner Life Insurance Society 5200 West U.S. Hwy. 223, P.O. Box 1894 Adrian, MI 49221-7894

From the president Dear members: By the time you receive this issue of Forum Magazine, we certainly hope that spring has arrived, the snow is all gone and you made it through what for many of us was a fairly mild winter. Having written this, I’ve probably jinxed what the groundhogs told us to expect! Last year was a very good year for our Society. We had our second consecutive year of net income in the $4 million range, despite continued low interest rate pressures. In 2015, we added almost $3 million to our members’ surplus protection, reaching nearly $88 million strong. See the full write-up on our financial results from Chief Financial Officer Jeff Patterson on Pages 4-5. Fraternals are an important part of American society, and we hope that you will consider supporting the American Fraternal Alliance’s Race to 100 campaign. Currently, fraternal organizations like Gleaner are supported by approximately 70 congressmen. We would like to increase that number to 100 by urging our congressional leaders to support House Congressional Resolution 19 (H.Con.Res.19), the “Fraternal Resolution.” This legislation gives U.S. representatives the chance to publicly acknowledge the important contributions that fraternals make to the nation’s financial and social well-being. Learn how you can help on Page 10. We had a wonderful time at the Florida Snowbird events in early March — the Tigers' Friday spring training ballgame and lunch had an excellent turnout, and the Monday picnic was fun for all as well. Look for photos from this annual event in the summer issue of Forum Magazine. We hope you will participate in JOIN HANDS DAY events with your local arbor on Saturday, May 7. And we look forward to seeing many of you at Gleaner picnics this summer and our Home Office Flag Day event on June 14. In February, we introduced our new single-premium deferred annuity, Foundation SP9, along with some improved interest crediting rates on existing annuities. As soon as we made the move to increase our credited rates, the stock and oil markets tanked, and the 10-year Treasury bond yield dipped back down below 2%, bottoming in the neighborhood of 1.65% at the time of this writing! Needless to say, our deferred annuities provide a very strong, stable value to our members in uncertain times. Our plans for 2016 include introducing a new universal life product with Living Benefit Riders for chronic, critical or terminal illnesses, as well as a new whole life series of solutions with several payment options and the same Living Benefit Riders. And we have an extraordinary new financial solution we are working on for 2017 that we hope will be a game changer for the Society in terms of attracting new www.gleanerlife.org

members and driving premium growth in a very positive way — details to follow as they are finalized in 2016. We thank retired Director Dave Sutton again for his 42 years of service to the Society and the Board. See the tribute on Page 15. We also thank Vice President of Human Resources and Administration Jan Goulart for her 38 years of loyal service to the Society as she retires in May. She has been a tremendous help to me personally since coming in as your president and CEO in mid-2012. We could not have accomplished the many changes we’ve made the past four years without Jan’s help, guidance and support. We will have more on Jan’s service and a farewell in the summer edition of Forum Magazine. And please remember our Board Director Richard Bennett, who passed away last October, and pray with me for his beloved wife Jeannie, shown on Page 22. In keeping with Gleaner tradition, we presented Jeannie and her family with a Resolution of Sorrow on behalf of a grateful Society for Richard's long support of and service to our membership and Board of Directors. We miss you dearly, Richard! We are happy to announce that the Board of Directors unanimously elected Donna Baker to fill the board vacancy created by Richard's passing. Many of you will remember Donna as one of the board nominees from our recent convention in Schaumburg, Illinois. Look for more information on Donna in the summer issue of Forum Magazine. Hoping your 2016 is off to a safe and healthy start. Fraternally,

Kevin A. Marti President and CEO Forum Magazine \ Spring 2016 \

Gleaner Life Insurance Society Statements of the Society’s financial condition

Jeffrey S. Patterson, FLMI Senior Vice President, CFO, Secretary and Treasurer

December 31, 2015 Gleaner Life Insurance Society’s financial condition strengthened again in 2015. The Society’s accomplishments over the last year are encouraging as we face persistent challenges in today’s economy, especially with low interest rates. Our balance sheet strength provides a stable foundation to support our members and arbors, and for future initiatives. We continue to maintain high-quality investments and a strong and rising surplus position. Gleaner’s positive financial position gives assurance that we will uphold the promises in each member’s certificate. The Society’s assets are $1.333 billion as of Dec. 31, 2015, down modestly from one year ago. Continued low interest rates during the year contributed to a 6.3% decline in annuity premiums, but life insurance premiums increased in 2015. Promising factors also included fewer member death claims and reduced surrender benefits. Total member benefits paid decreased $24.0 million from the previous year. The major changes in benefits included: 1) annuity death benefits decreased $15.9 million, and 2) life insurance death benefits after reinsurance decreased $6.6 million. Gleaner’s investment portfolio performed well in 2015, despite declining net investment income from falling interest rates and fewer invested assets. The Society’s diversified investment portfolio is built on prudent policies and practices. Gleaner’s conservative philosophy and professional management supply a sound basis for our investments. The Society’s bond portfolio is 98.5% investment-grade quality and represents 94% of our investments. We have an overall bond portfolio rating of A+ as of Dec. 31, 2015. Mortgage loans, certificate loans, cash and short-term investments, real estate and other invested assets comprise the remaining portions of our investment portfolio. As of 2015, we have a very small position in common stocks ($362,100) because of capital stock requirements for our membership in the Federal Home Loan Bank of Indianapolis (FHLBI). Gleaner became a member of FHLBI to enhance our liquidity position and have ready access to reliable, low-cost funds. Our intent is

\ Spring 2016 \ Forum Magazine

to use our FHLBI membership as liquidity insurance, and we would only access funds in an emergency situation. Gleaner does not own any preferred stocks, derivatives or non-conventional investments. Also, the Society is proud to report it continues to operate with zero debt. Gleaner’s Dec. 31, 2015, surplus position is $87.9 million, a $2.9 million increase from year-end 2014. We had an increase of $2.0 million in 2014. The Society’s surplus ratio (amount of assets for each $100 of liabilities) of $107.06 remains above the average of 25 leading life insurance companies (Independent Comparative Report: Standard Analytical Service Inc.). Our surplus grew as a result of net income of $3.9 million in 2015, compared with net income of $4.2 million in 2014. The Society’s net income decreased from the previous year because of unusually high net realized investment gains of $707,000 in 2014. The Society’s growth in surplus was negatively impacted again in 2015 by our frozen pension plan, as a less favorable return on plan assets and the required completion of updates to mortality assumptions increased our plan liabilities. As of December 2015, our A.M. Best financial strength rating was affirmed at “A- (Excellent)” with a stable outlook. According to A.M. Best, our current rating is assigned to insurance companies that have an excellent ability to meet their ongoing insurance obligations. A.M. Best began assigning credit ratings in 1906 and is a full-service global credit-rating agency dedicated to serving the financial and health care services industries. The Society has exhibited financial security and a fraternal spirit for over 121 years. We are focused on sustaining a strong financial position through all types of economic conditions. The Society is committed to preserving our members’ trust and confidence. Gleaner will continue to make responsible decisions in the best interests of our valued members and the Society’s long-term financial strength.

www.gleanerlife.org

Balance Sheets

December 31 ASSETS 2015

2014

Investments Bonds $ 1,243,275,707 $ 1,278,867,569 Common stocks 362,100 0 Mortgage loans on real estate 7,089,510 9,807,302 Real estate, net of depreciation 1,788,985 1,570,330 Cash and short-term investments 28,273,928 20,261,778 Certificate loans 30,113,482 30,287,639 Other invested assets 5,822,976 5,834,756

Invested Assets 1,316,726,688 1,346,629,374 Accrued investment income & other receivables 15,988,047 16,660,880 Other assets 227,961 176,666

Total Assets

$ 1,332,942,696

$ 1,363,466,920

LIABILITIES AND SURPLUS

Certificate reserves and contract liabilities $ 1,223,970,143 $ 1,258,611,699 Accrued expenses and other liabilities 7,053,788 5,915,857 Interest maintenance reserve 7,541,124 7,729,984 Asset valuation reserve 6,456,151 6,181,971

Total Liabilities 1,245,021,206 1,278,439,511 Surplus 87,921,490 85,027,409 Total Liabilities and Surplus

$ 1,332,942,696

$ 1,363,466,920

Statements of Operations

December 31 INCOME 2015 2014

Net premium income: Life $ Annuities Accident and health Net investment income Other income Total Income

7,206,042 $ 6,782,511 27,634,925 29,497,922 21,535 23,280 60,088,501 62,695,325 2,227,552 724,921 97,178,555

99,723,959

EXPENSES

Increase in certificate reserves (35,053,333) (55,885,530) Member benefits 114,663,507 138,662,493 Commissions 2,361,375 2,262,333 Other operating expenses 10,089,267 9,526,731 Refunds to members 1,177,598 1,623,277 Total Expenses

93,238,414

96,189,304

Income from Operations

3,940,141

3,534,655

Net realized investment gains (losses)

(6,000)

707,426

Net Income

SURPLUS ACCOUNT

3,934,141

85,027,409 $ 3,934,141 (1,040,060)

83,067,253 4,242,081 (2,281,925)

Surplus at December 31, current year

87,921,490

85,027,409

2,894,081

Since 1894, Gleaner Life Insurance Society has been committed to taking care of our members, their families and their communities. One way we fulfill this is through programs that support those in need, including those who do not have adequate food resources. For every life insurance referral submitted by our members, Gleaner donates $10 to a national food bank through our Mission for LIFEÂŽ program. In 2015, these donations provided 3,630 meals to those in need. Another way we help feed the hungry is through our annual Gleaner Dayâ„˘ event, now in its third year. In partnership with Gleaners Community Food Bank of Southeastern Michigan and The Henry Ford, Gleaner sponsors and promotes a food drive at Greenfield Village in Dearborn, Michigan. Last year, our arbors joined in by also hosting food drives in their local communities. Altogether, 9,649 meals were provided through the 2015 event. Look for more updates on our efforts to feed the hungry.

4,242,081

Surplus at December 31, previous year $ Net income Other surplus adjustments Net change in surplus for the year

MFL Update

1,960,156

Audits were conducted as of December 31, 2015 and 2014 by Strohm Ballweg, LLP.

Forum Magazine \ Spring 2016 \

Understanding If you’ve ever met with a life insurance agent or financial planner, you’ve probably heard of annuities — in fact, you may even own one. But do you actually know what an annuity is or how integral it can be to a well-balanced financial plan? A fixed deferred annuity is a financial product that takes an individual’s financial contributions, grows them at a competitive current interest rate with a minimum guarantee and provides a steady stream of income later in life. While stocks and securities can often provide a higher return, they can also result in losses. Fixed annuities provide a secure counterbalance to the variable portion of your financial plan. Here’s how fixed annuities work: An individual opens a fixed deferred annuity. Depending on the product, the annuity owner can make a one-time, lump-sum premium payment or gradually add contributions over time. Annuities funded with a one-time payment are called single-premium annuities, while those funded gradually are called flexible-premium annuities. Interest grows on the account value. The life insurance organization grows these funds at a set interest rate with the security of a guaranteed minimum interest rate while deferring taxes (under current tax law). The annuity becomes income. Later in life (usually after retirement), the annuitant chooses to “annuitize” — that is, turn the account value into a regular stream of monthly, quarterly or annual payments. The life insurance organization

\ Spring 2016 \ Forum Magazine

annuities Did you know … Because annuitizing involves an assessment of the annuitant’s health and life expectancy, only life insurance organizations can offer annuities. determines the account’s total value and distributes it in one of two ways, chosen by the annuity owner: 1. The first way guarantees payments for a specific span of time — for instance, 20 years. Even if the annuitant passes away during that time, payments will continue to their beneficiary for the remainder of the selected time. 2. The second way guarantees payments for the remainder of the annuitant’s life and, in some cases, their spouse’s life. Once the annuitant and the spouse (if applicable) passes away, payments cease completely, even if the account value has not been exhausted. However, payments are guaranteed to continue, even if the annuitant outlives the account value.

Interested in opening an annuity? If you’d like to learn more about Gleaner annuities, contact your Gleaner agent, listed on the back of this publication. If you don’t currently have a Gleaner agent, contact Gleaner’s Home Office at 800.992.1894 and ask for the Agency Department.

www.gleanerlife.org

Join us! Visit New England and Cape Cod with Gleaner! Sept. 19-26, 2016 If you missed the bus on the Smoky Mountain trip, join us Sept. 19-26, 2016, for a very different tour of New England and Cape Cod. Features include:

Rate per person Double-occupancy per person

$1,349

•

The Berkshires

•

The Vanderbilt family’s summer home (“The Breakers”)

Triple-occupancy per person

$1,235

•

The Big E Fair

$1,154

•

Quadrangle world-class museums

Quadruple-occupancy per person

•

Cranberry farm bog tour

Single-occupancy

$1,759

•

Brick Market Place

•

Shaker Village

•

Historic Salem Cross Inn

•

Whale- and seal-watching cruises

•

… and much more!

The eight-day, seven-night getaway to one of America’s most historic regions is available to Gleaner members and friends for $1,349 per person based on a double-occupancy room rate (single-, triple- and quadrupleoccupancy rates are also available). You’ll depart from Gleaner Life Insurance Society (Adrian, Michigan) on Sept. 19 traveling in a deluxe European motor coach. The package includes accommodations, local step-on guides, admission to the sites, seven breakfasts, one lunch and five dinners. Trip insurance is also available. For tour details and to register, visit www.gleanerlife.org or contact the Fraternal Department at fraternal@gleanerlife.org!

50 yr.

yr.

Arizona Paula K. Ledezma, Lake Havasu City

Arizona Paul H. Montgomery, Phoenix

Illinois Brian R. Allen, Minooka

California Edwin W. Hamzy, Samger Nicholas Schlarbam, San Diego

Michigan Rita Bainter, Taylor Paul E. Esaak, Burton Judith I. Gifford, Montrose Morley Griffin, Deford Beverly L. Ingraham, Saranac Thomas A. Kidd, Marquette Amy Lindesmith, Midland Carol J. McCumons, Brown City Christie L. Pietrzak, St. Clair Shores Mark A. Thorn, Coleman Ohio Rex A. Decker, Toledo Karl J. Miller, Alvordton Susan M. Phlipot, Sylvania Melanie Resendez, Defiance Duane S. Tredway, Berkey Virginia Daniel J. Fortuna, Amissville Helen C. Fortuna, Amissville Jeffery P. Garner, Purcellville

Florida Leslie E. Clark, The Villages Norma J. Uhrich, Fort Myers Beach Illinois Thomas C. Dillon, Edwardsville Carolyn Gudgeon, Joliet Patricia L. Haskins, Sibley Norma J. Homberg, Bradley Darlene A. Howen, Morris Darlene K. James, Lockport Mary J. Kessinger, Bloomington Gertrude Surprenant, Chebanse

Ohio Judith A. Biederstedt, Malinta Karen L. Cooper, Oakwood Matilda A. Johnson, Lakeside Marblehead Edith C. Leandowski, Lorain Ronald A. McMaster, Perrysburg Jack W. Mitchell, Fayette South Carolina Robert Trout, Summerville Texas Juanita A. Keck, Wichita Falls Washington Howard B. Campbell, Tacoma Donald C. Sorensen, Sequim

Indiana Charles R. Frush, Warsaw Billy E. Heirbrandt, Indianapolis Rhonda L. Legan, Danville David E. Sutton, Lowell Kenneth A. Swett, Lowell Michigan Harold N. Campbell, Grass Lake Arlon P. Coble, Kalamazoo Robert J. Stevens, Dryden Mary L. Vroman, Lapeer Nevada Eileen K. Colasito, Reno

\ Spring 2016 \ Forum Magazine

www.gleanerlife.org

Dear Bay Area Arbor (FL),

Dear South County Arbor (IN), Many thanks for your most recent donation to the Tri-Creek Household Pantry. Your very generous contribution will help us to serve the many families of the Tri-Creek community! Sincerely, Carol Bachinski Tri-Creek Household Pantry

Thank you so, so much for the surprise box of women’s purses filled with all kinds of goodies for the moms and single women at our shelter. It was so thoughtful of you. The gals here will be so excited to receive these on Christmas morning, especially coming from their children! Wonderful idea! We can always count on your group to come through for us, and we deeply appreciate the efforts and hard work of everyone involved. Nancy reported to me that you actually dropped off the purses and the children’s presents during a downpour. That’s dedication, and we love you for it. On that same note, we were thrilled to see how generous the group was with children’s gifts. Above and beyond what our children could ever anticipate! I wish I could be at the shelter on Christmas morning to experience the excitement.

Dear Gleaner Life Insurance Society, I would like to take the time to thank you for awarding me with this scholarship to help me pay for my college tuition and expenses this coming year. This award means a great deal to me, having been selected among many great applicants, and will go a great distance in helping me pay for my college in the future. Once again, I would like to thank you immensely for this honor and scholarship. Sincerely, Collin Mohler 2015 scholarship recipient

Thank you so much for your generosity, and please relay my gratitude to the others in the group. Sincerely, Laurie Herring Mary & Martha House

Welcome,

White Pine Arbor! With the guidance of Fraternal Communicator Brenda Cameron and Fraternal Engagement Coordinator Jaime Linden, White Pine Arbor #795 was officially chartered by the Board of Directors on Sept. 1, 2015. White Pine Arbor will serve West Branch, Michigan, and its surrounding communities. Their officers are: President – Cathy Snider Vice President – Dora Jean Babcock Secretary/Treasurer – Ellen Scott Reporter – Walter Babcock Chaplain – Jake Snider

www.gleanerlife.org

Members of White Pine Arbor did not waste any time meeting and preparing their activity calendar for the 2015-16 Samaritan year. They held their first activity in November at the Ogemaw County Animal Shelter in West Branch, where they learned about the shelter and provided a donation. Welcome White Pine Arbor! To get involved with this arbor, contact the Fraternal Department at fraternal@gleanerlife.org or call 800.992.1894.

Forum Magazine \ Spring 2016 \

www.RaceTo100.org

Your voice needs to be heard! Take 45 seconds to help protect the tax-exempt status of Gleaner and other fraternal benefit societies. Help us preserve the fraternal model! Contact your representative in Congress regarding House Congressional Resolution 19 (H.Con.Res.19), the “Fraternal Resolution.” By growing support within Congress for Gleaner and other fraternal benefit societies, we can safeguard the future of fraternalism in America.

Join our grassroots campaign in support of the “Fraternal Resolution” at www.RaceTo100.org!

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www.gleanerlife.org

ne hundred years ago, Congress bestowed a special tax status on fraternal benefit societies. The action exempted us from federal taxes for a reason: In exchange for the exemption, we are required to take earnings generated from our financial services operations and use them to enrich members’ lives and also improve the lives of those in the communities where our members live and work. We’ve done a terrific job of living up to our promises of helping others. But along with our special status comes the responsibility to occasionally remind Congress why it gave us our tax-exempt status in the first place. In February, the American Fraternal Alliance (AFA) launched an advocacy campaign to secure 100 co-sponsors for House Congressional Resolution 19 (H.Con.Res.19), the “Fraternal Resolution,” which gives U.S. representatives the chance to publicly acknowledge the important contributions that fraternal benefit societies make to the nation’s financial and social well-being. Currently, we have approximately 70 members of Congress who support the fraternal model. We hope to increase that number with the AFA’s Race to 100. The AFA’s Race to 100 is a grassroots campaign to help us recruit 100 cosponsors from the U.S. House of Representatives for the “Fraternal Resolution.” With a new administration in Washington in 2017, new leadership could change the face of the tax debate. We have to remind our lawmakers that fraternals have an important impact on the well-being of our nation.

How you can help: 1.

Visit the AFA’s Race to 100 campaign site at www.RaceTo100.org.

Complete the form to the right of the screen: •

Please note that you may need to include your complete nine-digit ZIP code.

•

Under “My Society,” select “Gleaner Life Insurance Society.”

What makes Gleaner different? Gleaner is built for people, not for profit. And as a not-for-profit life insurance organization, Gleaner gives back to our members and their communities through service clubs called arbors. Throughout our 121-year history, our priority has been providing our members with financial security while giving back. Because of this dedication to charitable-mindedness and community service, Gleaner is classified as a 501(c)(8) organization, which means that we are exempt from paying federal taxes under current law.

Under “I am…,” select “a Member” (agents should select “an Agent” and arbor officers should select “a Chapter Leader”).

What challenges

When complete, click “Register.”

do we face?

Review your letter, which will be automatically populated with your name and the name of your representative.

Click “Send Letter.” The letter will be automatically emailed to your representative.

Have all of your family members register, too. Tell a friend. Once you’ve submitted your letter, you have the opportunity to send a prewritten email to four people, asking them to help support the Fraternal Resolution. Be assured your personal information will remain private and will not be shared in any way with third parties.

Share the AFA’s Race to 100 on Facebook! Help spread the word on social media! Visit www.facebook.com/fraternalalliance to share posts related to Race to 100.

www.gleanerlife.org

While we are currently classified as a 501(c)(8) tax-exempt organization, laws could one day change to classify Gleaner and other fraternal benefit societies as for-profit organizations. The American Fraternal Alliance is a national trade association for fraternal benefit societies, providing advocacy, policy, information, education and member services. By educating our lawmakers on the important role that fraternal benefit societies play in our nation, we can help garner congressional support for our cause and prevent legislation that would jeopardize our 501(c)(8) status.

Forum Magazine \ Spring 2016 \

\ Spring 2016 \ Forum Magazine

www.gleanerlife.org

Solutions for Life insurance for every life stage

ou may think that if you’re single, you don’t need life insurance. You may also think that if you’ve raised your family and paid off your home, you don’t need life insurance. The truth is that life insurance is relevant to every stage of life, from youth through adulthood and into retirement. Spring is a time of new beginnings — take some time to reflect on where you’re at in life, where you’re going and how life insurance can help protect you along the way.

Life stage: Single Consideration: Any major cosigned debt If a parent or other family member has cosigned with you on a loan, they will be responsible for paying the remaining debt if you should die unexpectedly. www.gleanerlife.org

life

Life insurance can cover this debt and keep your cosigner from having to default on a loan after you are gone. Since cosigned debt is usually temporary, temporary life insurance coverage can protect it. Term life insurance is generally also the most economical type of life insurance. Gleaner Life Term Solutions1 offers coverage in increments of 15, 20, 25 and 30 years. One of these term solutions, Value Term, is a great option for single adults, pairing simplicity with affordability. Consideration: Elderly parents or family members who might rely on your income Many single people have the added financial responsibility of supporting parents who are unable to work or who may not have enough money saved for retirement. If you were gone, would their needs be met? Life insurance can help

guarantee that they won’t be left without financial stability in your absence. Whole life insurance provides permanent coverage while building cash value. That means, when you no longer have the responsibility of caring for loved ones, you will still have a cash value that you can either keep or roll over into a retirement account. You can also borrow against your certificate’s cash value, making funds available as you face all of life’s challenges. Secure Life2 offers all of the benefits of whole life coverage and features an optional rider that allows you to purchase additional coverage later without undergoing medical exams.

Life stage: Married Consideration: Coverage for your spouse While it's important for you to have life insurance coverage should the Forum Magazine \ Spring 2016 \

worst happen, it’s also important to cover your spouse. But if you are like many budget-conscious couples, you may think there isn’t an affordable way to purchase coverage for both of you. You may be surprised to learn that, like two out of three Americans, you’re probably overestimating the cost of life insurance by twice the amount or more. With Gleaner Life Family Term1, you can economically cover yourself and your spouse with the simplicity of one certificate and a combined premium payment. Even more, you have the option to convert your term life certificate into permanent coverage later in life. Gleaner Life Family Term provides affordable, streamlined coverage for married couples without sacrificing flexibility for future needs.

Life stage: Growing family Consideration: Securing your income According to a 2015 study by LIMRA and Life Happens, 29% of people would feel the financial impact of losing a primary breadwinner within one month. In addition to the emotional trauma of losing a spouse, the financial impact of a spouse passing unexpectedly can be devastating. With a growing family, the financial situation can change quickly. Universal life insurance features flexible premiums, providing permanent coverage while still being adaptable to changing needs. With Creative Life3, Gleaner’s traditional universal life product, you have some breathing room for unexpected changes, like a big move, a home purchase or a new child. Consideration: Coverage for your children As a parent, you understand the importance of giving your children everything they need to succeed in life. With Gleaner’s Just For Kids® life insurance plan4, you can provide your children with guaranteed future insurability. A one-time premium payment of $125 provides your child

\ Spring 2016 \ Forum Magazine

with immediate life insurance coverage and the option to convert to permanent cash value life insurance later in life — without underwriting. That means, if their health should change between their first day of preschool and their first day of college, they will still be eligible for the benefits of life insurance protection.

With Endurance Life5, you can make a single, one-time premium payment and watch the certificate’s cash value grow tax-deferred over the course of a lifetime. This can be an excellent way to help grandchildren build future financial security or to give an adult child an extra boost toward his or her financial future.

Life stage: Empty-nesters and retirees

Life stage: Business owners

Consideration: Passing on your estate You’ve spent a lifetime getting there: preparing for that last drive through rush hour; waiting for that last afternoon meeting; eagerly anticipating the new opportunities that await you in retirement. Whether you’re already there or still looking forward, it’s time to think about how you’ll pass on a lifetime of savings to your loved ones. Life insurance not only provides taxdeferred growth but a way to give what you’ve earned to those you love most. With RMD Life5, you can purchase life insurance coverage using your required minimum distributions (RMDs). Most people reinvest their RMDs or use them for living expenses. But did you know that your RMDs can be turned into financial security? Similar to Legacy Life, RMD Life is a singlepremium whole life plan that allows you to purchase additional certificates without proving your insurability. Consideration: Giving your children and grandchildren financial security As a parent, you’ve always provided for your children. Now, as they begin their own lives and their own families, you can still provide for them with life insurance. Growing families often sacrifice life insurance coverage in order to make ends meet — unfortunately, growing families have the greatest need for it. By purchasing coverage for your children or grandchildren, you can give them the gift of financial security.

Consideration: Buy-sell agreements When a business partner dies unexpectedly, the remaining partners are often faced with difficult decisions. If you and your partners have a buy-sell agreement, you may need to consider purchasing the deceased partner’s share of the business from heirs. In the event of an unexpected loss, would your business have funds available to keep it going? Gleaner Life Succession Term1 provides coverage for multiple business partners with one premium payment. The loss of a partner can be difficult, but Succession Term provides security for buy-sell agreements, giving you and your business partners the confidence that funds will be available should the need arise. Succession Term eliminates excess expenses, providing maximum coverage at minimum cost. Gleaner Life Term Solutions form number ICC13-TCERT with state-specific variations.

2 Secure Life form number WL-06 with state-specific variations. 3 Creative Life form number ULCV08 with state-specific variations. 4

Just For Kids® form number JFK-APP-09R

RMD Life and Endurance Life form number ICC15-SPWL with state-specific variations.

www.gleanerlife.org

Dave Sutton bid members a fond farewell at Gleaner's 57th Biennial Convention in Schaumburg, Illinois. To the left, Dave is pictured with his son, newly elected board director Dan Sutton, and wife, Pat Sutton.

Thank you, Dave Sutton! Sutton retires from Gleaner Life’s Board of Directors after 42 years After serving on Gleaner’s Board of Directors for 42 years, including several as chairman, Dave Sutton retired in 2015. A Gleaner member since 1940, Dave is also a past president of Gleaner's Indiana State Association, the Lake County Farm Bureau and Hawthorne Arbor in Lowell, Indiana. He is also a past member of Gleaner's Fraternal and Law committees. While his lengthy list of memberships and board responsibilities is impressive, his service and dedication to Gleaner Life Insurance Society go way beyond that. Dave helped ensure the smooth transition of Gleaner Life in 1981 when its headquarters moved from www.gleanerlife.org

Birmingham, Michigan, to Adrian. He was also instrumental in establishing and contributing to the Hawthorne Arbor, where he has been a member for more than 50 years. Though he is no longer an officer for the arbor, he remains an active member and supports his wife, Pat, who is acting secretary and treasurer. A retired farmer, Dave was a Farm Bureau member for more than 30 years and a board member for 18 years. He serves as chairman of the board and vice president of Professional Pilots Inc., a family operation. Dave’s example of dedication to the community and fraternalism is also one he passed on to his son, Dan Sutton.

In fact, Dave's vacated board seat was filled by the election of his son during Gleaner Life’s 57th Biennial Convention in October. A fifth-generation farmer, Dan is self-employed in agribusiness and co-owns eight businesses, including four real estate holding companies. He is a board member of the Lake County Farm Bureau, a West Township Farm Bureau representative, a board member of The Arc of Northwest Indiana, president of Hawthorne Arbor and a member of Gleaner’s Fraternal Advisory Council.

Forum Magazine \ Spring 2016 \

Join us for a summer picnic!

Upcoming Events

At these potluck events, Gleaner provides the main dish. Guests are asked to bring their own table service and a generous dish or two to share.

Flag Day 2016 Tuesday, June 14 | 11 a.m. EDT

Nebraska/Gleoma Arbor Family Picnic

Northern Michigan Family Picnic

Sunday, June 5 | 4 p.m. CDT

Saturday, Aug. 6 | 1 p.m. EDT

Gleaner Life Insurance Society Home Office 5200 W. U.S. Hwy. 223 Adrian, Michigan

Cooper Farm 8502 Mormon Bridge Road, Omaha, Nebraska

Weidman Community Center 3432 N. Woodruff Road Weidman, Michigan

Gleaner’s 2016 Family Safari to Kalahari

Indiana Family Picnic Sunday, June 26 | 12:30 p.m. CDT LaPorte County Fairgrounds 2581 W. State Road 2 LaPorte, Indiana

Illinois Family Picnic Sunday, July 10 | 12:30 p.m. CDT Coal City Lions Club 460 S. Illinois St. Coal City, Illinois

Michigan Thumb Area Family Picnic Saturday, July 16 | 1 p.m. EDT Bethany United Methodist Church 353 E. Vienna St. Clio, Michigan

Ohio Family Picnic Saturday, July 30 | 1 p.m. EDT The Lighthouse 10055 W. U.S. Route 224 Findlay, Ohio

Southern Michigan Family Picnic Saturday, Aug. 13 | 1 p.m. EDT Lenawee County Fairgrounds 902 Dean St. Adrian, Michigan

Nov. 18-20, 2016 Registration opens May 1 at www.gleanerlife.org.

Gleaner Getaway Tours

Benny’s Charity Auctions at summer picnics Benny’s Charity Auctions will give picnic guests a chance to take home an auction item. Instead of bidding a specific dollar amount on an item, guests can purchase tickets and enter as many of those tickets as they like in an item’s corresponding box. At the end of the auction, a ticket is drawn from each prize box, and the item goes to the individual with the winning ticket. Attendees who bring an item for the auction valued at $20 or more can purchase an auction ticket for half price. All proceeds from the auction will be donated to local charities.

Pigeon Forge and Smoky Mountains April 25-29, 2016

Registration is closed.

New England and Cape Cod Sept. 19-26, 2016

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How do you plan to use

iStock.com/vitranc

your required minimum distributions? According to the Wall Street Journal, 38% of RMDs in 2013 were reinvested or saved into another account.1 The Wall Street Journal, June 1, 2015.

According to The Wall Street Journal, 38% of people reinvest their required minimum distributions (RMDs).1 Like most Americans, you could reinvest or use your RMDs to pay for day-to-day living expenses. But did you know that you can provide your loved ones with the gift of financial security by using your RMDs to purchase life insurance?

A required minimum distribution, or RMD, is the amount that you must begin withdrawing from your IRA or other qualified account after you reach age 70½. Contact a tax professional for more information on RMDs.

By purchasing Gleaner’s RMD Life* now, you can use the guaranteed insurability option to purchase additional coverage from ages 70 to 80 without proving your insurability. When you begin taking RMDs after age 70½, you can use the distributions to purchase additional life insurance, building financial security or an inheritance for your loved ones. You don’t have to purchase more life insurance each year, but each time you do, you increase the gift you will one day pass on to your heirs.

Contact your Gleaner agent or the Agency Department at 800.992.1894 for more information on RMD Life.

www.gleanerlife.org Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. The Wall Street Journal, “Ask Encore,” June 1, 2015. *Form #ICC15-SPWL with state-specific variations.

ARBORS

in action

Throughout the 2014-15 Samaritan year, Gleaner arbors (service clubs) awarded $460,235 in donations to individuals and organizations in their communities. As the holidays approached and cold weather set in, many of our arbors expanded their efforts to help those in need. Using funds provided by Gleaner, arbors partnered with local organizations to support a variety of programs, including holiday food baskets for the needy and Christmas toy drives for children. The last few months also found arbors carrying on the long-standing tradition of Samaritan donations. Many arbors hosted special dinners and receptions to honor local charities and present their generous donations. Did you know all Gleaner members are part of an arbor? Through their arbor, members have the opportunity to have a voice in how the funding from Gleaner is used to help others. If you arenâ€™t active with an arbor, now is the perfect time to find one near you. Call Gleanerâ€™s Fraternal Department at 800.992.1894 or email fraternal@gleanerlife.org.

Tecumseh Arbor (MI) members presented a $1,000 donation to the Tecumseh Service Club to assist with purchasing food, clothing and toys for those in need during the holidays.

For their Samaritan Elderly Support Activity, North Central Michigan Arbor (MI) members decorated 33 dozen Christmas cookies with seniors at the Brookside Senior Center. After decorating, the arbor served crackers, cheese and other snacks to participants.

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Madison Arbor (MI) hosted its first Trunk or Treat event. More than 500 children and their families trickor-treated at 15 stations, including police and fire department vehicles. The arbor provided free cider and cupcakes in addition to sponsoring a raffle for gift cards, books and treats.

One of Gleanerâ€™s newest arbors, White Pine Arbor (MI), presented a $150 donation to the Ogemaw District Library. www.gleanerlife.org

Gleaner is starting new arbors

As part of its annual Samaritan donations, Hawthorne Arbor (IN) presented checks to numerous local organizations, including food banks and fire departments. Arbor members, including Gleaner Board Director Dan Sutton [far right], donated $1,000 to members of the Lake Dale Fire Department.

Do you have a volunteer heart? Would you like to focus on helping others instead of fundraising? Our arbors are designed for people like you who want to make a difference. If you are interested in starting an arbor in your area, call the Fraternal Department at 800.992.1894 or email fraternal@gleanerlife.org.

For the arbor’s Samaritan Animal Support project, Ober Arbor’s (IN) Cindy Sellers presented a donation to Whitney Howard, Shannon Lloyd and a cute kitten from the Starke County Humane Society.

Bowling Green Arbor (OH) treated preschool students from the Montessori School of Bowling Green to a pumpkin hunt. The children also enjoyed doughnuts and apple juice while listening to a story read by an arbor member. www.gleanerlife.org

Heart of Florida Arbor (FL) members participated in the local Walk to End Alzheimer’s and raised $250 to support Alzheimer’s research.

Gulf Coast Arbor (FL) created gift bags filled with toiletries and personal hygiene items purchased by the arbor for the Veterans Homeless Program at the Jewish Community Center in Sarasota.

Forum Magazine \ Spring 2016 \

“You don’t have to cook fancy or complicated masterpieces — just good food from fresh ingredients.”

Recipe file Do you have a favorite recipe you’d like to share? We’d love to feature your recipe!

— Julia

Send a copy to marketing@gleanerlife.org or mail to:

Child

Gleaner Life Insurance Society, Attn: Marketing Department, 5200 West U.S. Hwy. 223, P.O. Box 1894, Adrian, MI 49221

Creamy Broccoli Bake 1-1½ 1 ¼ ½ 1 ½

pounds broccoli can (10¾ ounces) cream of mushroom soup cup milk cup cheddar cheese, shredded cup Bisquick baking mix cup firm margarine or butter

Preheat oven to 400 F. Cook broccoli on stovetop until almost tender, then drain and place in an ungreased round 1½-quart ovenproof casserole dish. In a medium bowl, beat soup and milk together until smooth and pour over broccoli. Sprinkle with cheese. Mix baking mix and margarine until crumbly and sprinkle over the cheese. Bake until topping is light brown, about 20 minutes.

Pam Somers Legacy Arbor

Home Grown Recipes, Vol. 3, Page 100

Chow Balls 1 pound lean ground beef 1 medium onion, finely chopped ½ green pepper, finely chopped 1 egg 1¼ cups milk, divided ½ cup coarse bread crumbs 1 small clove garlic, mashed with 1 teaspoon salt 1 teaspoon dry mustard ¼ teaspoon black pepper ¼ teaspoon paprika ¼ cup butter or margarine 1 can tomato soup, undiluted ¼ cup Parmesan cheese, grated Minced parsley for garnish

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Preheat oven to 375 F. Thoroughly mix together the meat, onion, green pepper, egg, 1 cup of the milk, bread crumbs, garlic and dry seasonings. Shape into 6 or more meatballs. In a skillet over medium-high heat, brown meatballs on all sides in the butter. Place in an ovenproof casserole dish. Blend remaining ¼ cup of milk with the soup and add to drippings in skillet. Heat through. Pour sauce over meatballs and sprinkle with the cheese and parsley. Cover and bake for 40 minutes. These are delicious and freeze beautifully.

Ethel Highball Exline Arbor

Home Grown Recipes, Vol. 3, Page 142

Death by Chocolate ½ 1 6 1

cup coffee large box instant chocolate pudding Heath bars, crushed container Cool Whip (regular or chocolate) Prebaked (9-by-13-inch pan) brownies of choice Milk (1/2 cup less than in pudding instructions)

Once cool, poke brownies with a fork and drizzle coffee over them. Mix chocolate pudding, using ½ cup less of the milk called for on box. Spread pudding over brownies. Crush Heath bars and sprinkle ½ over the pudding layer. Spread Cool Whip over the Heath bar layer. Sprinkle remaining crushed candies over the top. Refrigerate.

Sherry Nino Adrian Arbor

Home Grown Recipes, Vol. 3, Page 263

www.gleanerlife.org

Korinne’s Korner By winter’s end, aren’t we all ready for green grass and warm, sunny days? In addition to dealing with the elements, it is an election year — good grief! Everyone, regardless of age, is juggling lots of balls, which can be a little overwhelming. We can all use a pick-me-up now and again. A good friend of ours had knee surgery recently, so I dropped off a home-cooked meal to help out after she got home. It was not a big deal to prepare on my end, but the gesture was very much appreciated by our friend in recovery. It got me to thinking about how many small gestures are exchanged every day not just between friends but with strangers, too. Helping someone reach a high shelf at the grocery store, a friendly “good morning” greeting, a nice compliment, baked goods for your neighbors — just to name a few.

Elena Veselova/Bigstock.com

About a year ago, Kevin and I found a sign while shopping that now hangs in the entry area at Gleaner’s Home Office: “Change the world one act of kindness at a time.” The phrase comes full circle for me when I participate in and read about all the arbor activities at Gleaner. Generosity, caring and a helping hand are part of each arbor’s gifts to its community. A warm, grateful, tingling feeling fills our hearts as we reach out to others and change the world, one act of Gleaner kindness at a time!

www.gleanerlife.org

A favorite gift I like to share with friends is my granola recipe to use as cereal, on ice cream or just eaten by the handful.

Cranberry Almond Granola Preheat oven to 325 F. Bring to a boil, then reduce heat and allow to simmer: ⅓ cup frozen cranberry juice, ⅓ cup brown sugar, 2 tablespoons vegetable oil, 1 teaspoon cinnamon, ½ teaspoon allspice. In a bowl, combine: 2 cups old-fashioned rolled oats, ⅓ cup chopped almonds, ⅓ cup shredded coconut. Pour warm cranberry sauce over oat mixture and stir until ingredients are coated. Spread into a prepared 9-by-13-inch pan and bake for 20 minutes. Stir and add 1 cup dried cranberries and cook another 12 minutes. Cool and store in an airtight container. May we all continue to reach out and be a positive light, shining bright on those we come to know and love, and those whose paths we happen to cross. Fraternally yours,

Korinne Marti Wife of Gleaner President and CEO Kevin Marti

Forum Magazine \ Spring 2016 \

Resolution of Sorrow presented to family of Richard Bennett In the last issue of Forum Magazine, Gleaner Life announced with deep sadness that longtime board director Richard Bennett had passed away in October 2015. He had served on the Gleaner Life Insurance Society Board of Directors since 1993 and was a devoted contributor and supporter of the Home Office employees and agents in successfully moving Gleaner ahead. He will be missed by everyone who was fortunate enough to know and work with him. Following Gleanerâ€™s custom, his wife, Jeannie Bennett, was honored with a framed Resolution of Sorrow. Please join us in keeping Jeannie and the rest of Richardâ€™s family in our thoughts and prayers.

Remembering Lou Kollias 1933-2016 Longtime Gleaner agent Louis Kollias, formerly of Elkhart, Indiana, passed away on Friday, Jan. 22, 2016, at the age of 82 in the presence of his family. "Big Lou," as many knew him, was born Feb. 26, 1933, in Chicago and raised in Elizabeth, Illinois. He graduated from Elizabeth Forward High School, where he was a football standout, earning many accolades and a scholarship to the University of Oregon. After lettering his first year at Oregon, he transferred to Indiana University, where after one year he enlisted in the army and

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was stationed in Germany. He returned to Indiana University to complete bachelor's and master's degrees in education, and he met the love of his life, Patricia Soutsas, whom he married in 1958. Kollias was a high school teacher and football coach in several Indiana high schools, but he eventually became an independent Gleaner agent. Over the course of his long career, Kollias earned multiple sales awards while helping countless families safeguard their dreams and protect their families with life insurance and annuity solutions.

He was a member of St. Andrew Greek Orthodox Church in South Bend, Indiana, and Holy Trinity Greek Orthodox Church in Carmel, Indiana, as well as the Elks, Moose, American Legion, I-Men's Association and the Order of the O. He was preceded in death by his wife and his brother James. He is survived by his only son, Dr. Stephen Kollias, and daughter-in-law Gail; grandchildren Keegan and Nick; and his fiancee Cara.

www.gleanerlife.org

You can purchase children’s books today at a discounted price! Gleaner is offering you the opportunity to purchase The Giving Book and The Nickels, Dimes and Dollars Book at a special discounted price. As a Gleaner member, you can purchase them for just $10 per book. All proceeds will be donated to the Gleaner Life Insurance Society Scholarship Foundation.

The Giving Book: Open the Door to a Lifetime of Giving The Giving Book is fi lled with activities that help children think about their hopes and dreams for the world. Th is book will let kids decide how they want to use their time, kindness, talents and money in order to make a difference. The book is appropriate for children ages 6-11 and provides hands-on activities, a journal and scrapbook that will help inspire them as they record their journey of giving and charity.

The Nickels, Dimes and Dollars Book: A Wise Kid’s Guide to Money Matters The Nickels, Dimes and Dollars Book will help kids make smart decisions about how to spend, share, save, earn and grow their money. The more they learn to manage money, the more it can help them to create a comfortable and meaningful future. Th is activity book is a conversation starter and an educational tool that inspires children to develop valuable skills and healthy habits that can support their well-being and fi nancial futures. Appropriate for ages 6 and up.

To purchase books … To purchase books, complete the order form below and mail it along with your check to the address shown. For more information, contact the Marketing Department at 800.992.1894 or email marketing@gleanerlife.org. The Giving Book and The Nickels, Dimes, and Dollars Book were written by Ellen Sabin and published by Watering Can® Press. Watering Can® is committed to creating and distributing books and other products that nurture and inspire children as they grow into their roles as healthy, kind, confident and giving world citizens. For more information, visit wateringcanpress.com.

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Please make check payable to: GLIS Scholarship Foundation

Mail to: Gleaner Life Insurance Society, Attn: The Giving Book, P.O. Box 1894, Adrian, MI 49221

BILLING ADDRESS

SHIPPING ADDRESS

Your Name: _______________________________

Name: ____________________________________

Address: __________________________________

City/State: ________________________________

Zip: ______________________________________

Phone: ____________________________________

Email: ____________________________________

Same as Billing Address

# of The Giving Book: _______ # of The Nickels, Dimes and Dollars Book: _______ x $10.00 (each) = $ _______ Please allow 2-4 weeks for shipping.

(Total Amount Enclosed)

Spring is here checklist Are you excited for spring? Soon the sounds of little birds chirping and the smell of beautiful flowers will fill the air. And the weather will be getting warmer, giving you more time to play outside. Here are a few things to do this time of year. Have fun and enjoy our beautiful world! Find the first spring flowers (get up close and peek inside a tulip or crocus) Play a game of tag outside Splash in the puddles Fly a kite Search for earthworms Have an adult help you bake spring-colored cupcakes or cookies to decorate Spot neat shapes in the clouds

Blow bubbles and see how long of a chain you can make Go on a picnic with your family Ride your bike and check out a new route Play a game of basketball or catch Search for a rainbow

Look for four-leaf clovers Eat Easter candy — Peeps and jelly beans are always good.

Take a walk in the rain Visit a farm with baby animals

Just Joking Q: W hat do you call a girl with a frog on her head?

A: Lily

Q: W hat season is it when you are on a trampoline?

A: Springtime!

Q. W hen do monkeys fall from the sky?

A: During Ape-ril showers.

Q. W hich flowers grow on your face?

A: Tulips (two-lips)

Did you find the wheat stalk? In this issue of Forum Magazine, the wheat stalk was hidden on page 5 on Benny's leg.

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www.gleanerlife.org

2 0 1 6

FLAG DAY

JUNE

Gleaner invites you and your family to celebrate Flag Day 2016 with us! Together we will honor the American flag, local veterans and active-duty military members during our 30th annual Flag Day celebration. The event will take place Tuesday, June 14, beginning at 11 a.m. EDT at the Gleaner Home Office in Adrian, Michigan. The event will include: • Guest speakers • Patriotic music • Kids’ activities with Benny • Complimentary, all-American lunch

Please RSVP before June 3 by emailing the Fraternal Department at fraternal@gleanerlife.org or calling 800.992.1894. Many of our arbors (service clubs) also sponsor Flag Day activities in their communities. To learn more about your local arbor’s events, contact your arbor directly, email fraternal@gleanerlife.org or call 800.992.1894.

Nonprofit Organization U.S. POSTAGE PAID BOLINGBROOK, IL PERMIT NO. 594

5200 West U.S. Highway 223, P.O. Box 1894 Adrian, Michigan 49221-7894

Foundation SP9

More square footage for your financial plan Is your financial plan ready for an addition? Gleaner’s new Foundation SP9, a single-premium deferred annuity, can be a great financial solution for lump sums like stock market gains, inheritances and 401(k) rollovers. By depositing a one-time initial premium, you can watch your money grow tax-deferred with the power of compounding interest. Even more, Foundation SP9 allows you to withdraw up to 10% of the account value annually without incurring a surrender charge, keeping your funds readily available should you need them.

Foundation SP9 features •

Flexible withdrawals of up to 10% of the account value per certificate year without incurring a surrender charge.

•

Competitive current interest rate with a minimum guarantee of 2.0% in certificate years 1-9 (1% in subsequent years).

•

Minimum initial premium of $10,000 and no subsequent premiums.

•

Surrender charge of 9% in year one, decreasing by 1% each year until 0%.

Start laying a solid foundation for your financial future. To learn more about Foundation SP9, contact your Gleaner representative, listed above.

www.gleanerlife.org Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN and VA. Form # ICC15-SPDA9 with state-specific variations.