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Forum Magazine \ Winter 2017 \
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Mark your
CALENDAR! Oct. 13-15, 2017
G L E A N E R
L I F E
Join us for Gleaner’s 58th Biennial Convention. Grand Traverse Resort & Spa
BIENNIAL CONVENTION OCTOBER 13-15 T R AV E R S E C I T Y, 2 0 1 7
M I
Contents Winter 2017
XX 6
XX 12
XX 20
features
departments
6
Five generations of membership
News & reviews
Interests
3
From the president
7
Order children’s books
Emory and Cynthia Dorn started a Gleaner membership family legacy that now spans five generations.
4
Nominating guidelines
8
11
Photo collection of recent Gleaner events
50- and 75-year members
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28
Korinne’s Korner
Historical artifact: Arbor secretary box
29
Upcoming Gleaner events
16
Legacy through Life
30
Benny’s page
18
The Gleaner mailbag
32
Recipe File
12
Planning for your future
New years are great times to plan and strategize how to fund your future.
20
Gleaner’s home state of Michigan
Gleaner Life is proud to call Michigan home and Traverse City host to the 58th Biennial Convention. Plan your trip today.
Giving back 24
Gleaner employees, agents and members give back
26 Arbor spotlight: Heart
of Florida Arbor plans back-to-school activities
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 31 for the answer.
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On the cover: A young girl ice skates at Grand Traverse Resort. Read more about Gleaner's home state of Michigan starting on Page 20.
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.
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FORUM Winter 2017 / V. 122 / No. 1 Officers and Senior Management Kevin A. Marti, FSA, CLU, ChFC President and CEO Jeffrey S. Patterson, FLMI Senior Vice President, Finance and Insurance Operations Daniel L. Gordon, FICF, CRPCÂŽ Senior Vice President, Distribution and Community Engagement D. Arell Chapman, CRISC Vice President, Information Technology Grier C. Edwards, MBA, FIC Assistant Vice President, Distribution and Marketing Deborah K. Elliott, SHRM-SCP, SPHR Assistant Vice President, Human Resources and Administration Michelle L. Horn Assistant Vice President, Community Engagement Michael J. Tunney, CFE, FLMI, AALU Assistant Vice President, Insurance Operations and Chief Underwriter Kaylene S. Warner, FLMI Assistant Vice President, Finance and Controller Board of Directors
GLEANER goes social For all the latest news and happenings at Gleaner Life Insurance Society, find us on:
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 National Headquarters 5200 West U.S. Highway 223 P.O. Box 1894 Adrian, Michigan 49221-7894 p 517.263.2244 or 800.992.1894 f 517.265.7745 www.gleanerlife.org forum@gleanerlife.org Hours
@GleanerLife
Monday - Friday: 8 a.m. - 4:45 p.m. EST The Forum Magazine is produced quarterly at Gleaner’s Home Off ice by Alanna Cook, Grier Edwards, Daniel Gordon, Chuck Monahan, Salina Richards, Sarah Symington and Julie Tison. For questions regarding this publication, please email forum@gleanerlife.org.
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Thoughts from the president Dear members: “This is your world. Shape it or someone else will.” — Gary Lew At Gleaner Life Insurance Society, we have a number of strategically important initiatives under way that are helping us shape the Society’s future for the betterment of our current and future members. These initiatives will also help ensure our long-term financial strength and success as a fraternal benefit society that engages the communities in which we live and work. Look for more information in Forum Magazine throughout 2017 and at the 58th Biennial Convention — very exciting! Speaking of the convention, we are hard at work planning for this highly anticipated event, which will be held at the beautiful Grand Traverse Resort here in Michigan. Michelle Horn and the Community Engagement team are putting together a terrific program for all to enjoy, so save the dates and see the inside front cover for more information. As a member-owned not-for-profit, Gleaner gives back to our members’ communities. Throughout this issue of Forum Magazine, you will find stories of your fellow members in action, including our 2015/2016 Samaritan year totals and the story on Gary Reese, who is succeeding both as a Gleaner independent agent and new arbor president. See Pages 24-27 for stories of Gleaner members giving back. Also, be sure to see the recap on Pages 8-10 of the many great Community Engagement events from fall 2016, including our Gleaner Day at The Henry Ford. This annual event is a day to unite in benevolence against hunger, and unite we did, with outstanding results achieved again for 2016. Thank you to all who were involved for your time commitment and generosity. In 2016, a number of Gleaner members took advantage of a special annuity internal exchange program. Members owning older Gleaner annuities with 3% guarantees could exchange their certificates for a newer Foundation SP9 annuity and earn a first-year interest rate of 3% or higher. Even more, when these members enacted the exchange, they received their Loyalty Bonus early for the first time in Gleaner’s history. www.gleanerlife.org
We offered this program to members with account values of $100,000 or more. Effective Jan. 3, 2017, we are extending the program to account values of $50,000 to $99,999, at least through the end of March. The path of interest rates will determine whether we can extend the program through 2017. If you are eligible for this program, you will receive detailed information in the mail from the Home Office for you to discuss with your independent agent. If you missed your chance in 2016 and are having second thoughts about passing up on this terrific opportunity, you still have time to take advantage of this program. Call your Gleaner agent, listed on the back of this publication, and you'll be assisted anytime through March 31, 2017, or later if we are able to extend the program further. You’ll be glad you did! Learn more about Gleaner’s Foundation SP9 annuity on Page 15. Gleaner has always been a friend of the family, and we are proud that Gleaner membership is often a family tradition. The story about five generations of Gleaner members from the Dorn family on Page 6 is especially gratifying for us. Thank you to the whole family for your loyalty to the Society over many years! We hope to see many of you at the Florida Snowbird events in March. Until then, remember this: “We should not live for ourselves alone, but for the joy in doing good for others.” — Arch C. Klumph, father of the Rotary Foundation of Rotary International. Fraternally yours,
Kevin A. Marti President and CEO
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voice Giving members a
A
s a fraternal benefit society, Gleaner is owned and governed by its members (certificate holders) through a
representative form of government. Gleaner’s arbors (local member groups) play a vital role in the leadership of Gleaner by electing delegates to represent their arbor at our convention. Depending on the number of members assigned to an arbor, each arbor has the opportunity to send one to three delegates to the convention. These delegates will come together to elect board members, vote on changes to Gleaner’s Constitution and discuss the state of Gleaner Life Insurance Society during the business meeting on October 14, 2017. With a board composed of Society members that have been elected by their fellow members, the financial security and other fraternal needs of our membership are always at the forefront of the decision making and actions of Gleaner’s leadership team.
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According to Gleaner’s Constitution – Article 3, Section 2: "Each local Arbor shall be entitled to elect one of its members to represent such local Arbor at the meeting of the Supreme Arbor for each one hundred members or major fraction thereof, provided that no such Arbor may have more than three delegates. The basis of total membership in an Arbor for purposes of representation in the Supreme Arbor shall be determined from the records at the headquarters of the Society as of December 31 of the year prior to the regular meeting of the Supreme Arbor. Any Arbor subsequently formed and approved by the Board of Directors shall be entitled to one delegate." If you are interested in serving as a delegate, please contact your arbor leadership.
Board qualifications According to the Gleaner Constitution, members of the Board of Directors must be members of the Society who are in good standing for at least two consecutive years and are at least 21 years of age and less than 72 years of age. However, an individual is ineligible to be elected to the Board of Directors if at any point in the four-year period preceding the election he or she is or has been: •
A licensed life insurance agent of any company
•
An employee of the Society
The Gleaner board has approved Director Qualification Guidelines, which state that directors should be selected for “their belief in the Society mission and purposes, and personal attributes and values that embody those of the Society, as well as specific skills, connections, and areas of expertise.” Universal attributes expected of all directors include: an ability to think strategically and independently, personal integrity, good communication and listening skills, and a commitment to accountability and sound judgment. www.gleanerlife.org
Desired skills and expertise include: •
10+ years of senior/executive-level experience in business management or organizational leadership
•
Corporate board and/or “Not for Profit” board experience
•
A commitment to increase one’s knowledge and understanding of the work of the board and the issues affecting the Society in the complicated 21st century business environment.
•
A demonstrated commitment and leadership in fraternalism and/or volunteerism is also important.
Further, with the expected changes in 2018 to the laws involving corporate governance and disclosure, prospective directors should understand the critical role of good governance, including working for the collective good of the Society and its membership, assuring accountability and oversight to the members that have entrusted the Society with $1.3 billion of their assets under management, while also working at a board policy level on the complex issues of the day.
Board nomination process Gleaner’s Nominating Committee, composed of members selected by the Board of Directors, facilitates the board nomination process by reviewing applications from those who have expressed an interest in serving. The committee interviews qualified candidates and, after thorough review and discussion, recommends a slate of nominees to the board. The board reviews the committee’s recommendations and approves the final slate of candidates. The slate of nominees is presented to membership in the summer issue of the Forum Magazine and also published online at www.gleanerlife.org, giving members and delegates a chance to review nominees prior to the convention. The candidates' names are included
on the election ballot for the business meeting at the biennial convention. If you are interested in being considered for a position on Gleaner’s Board of Directors, please contact Senior Vice President, Finance and Insurance Operations Jeffrey Patterson at 800.992.1894 to discuss the process and your qualifications. You can request the Nomination Form from Mr. Patterson that you will need to complete to be considered by the Nominating Committee. The deadline for submitting the form and your credentials with your resume is Friday, April 14, 2017. The Senior Management team, the Nominating Committee and the Board of Directors are equally committed to ensuring that prospective candidates are given due consideration and that qualified candidates are nominated to further the mission, values, current priorities and core work of the board going forward.
Election process On Saturday morning, Oct. 14, 2017, arbor delegates, guests and members will attend Gleaner's business meeting. Delegates will elect board members and vote on proposed changes, if any, to Gleaner's Constitution. Any proposed changes will be published in the summer issue of Forum Magazine. During the election of board members, each delegate’s eligibility to vote will first be confirmed prior to being given a ballot. There are four board positions up for election in 2017. The marked ballots are returned to the Teller Committee, which records the results. The individuals elected by a majority of the voting delegates are sworn in and begin their four-year terms as Gleaner board members. Watch for the spring issue of Forum Magazine to learn more about Gleaner's 58th Biennial Convention at Grand Traverse Resort and Spa in Acme, Michigan.
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5. 1.
3.
4.
6.
2.
1. Gerald Brown throws horseshoes at Gleaner's Big Event in 1986. 2. Beulah Dorn as a young girl. 3. Carolyn Brown holds her granddaugther, Rose Knutton. 4. Rachel (Brown) Knutton accepts a Gleaner Scholarship. 5. Rachel and Rose Knutton. 6. Emory and Cynthia Dorn.
Gleaner membership spans five generations Membership and participation in Gleaner events has been a family affair for generations, so it’s no wonder David Brown holds fond memories of past Gleaner events. Brown’s father, Gerald, appeared on the fall 1986 Forum Magazine cover throwing horseshoes at the 1986 Gleaner picnic, where his family camped in their mini motor home. Later, David and his brother Mike took second place in a horseshoe contest at a Gleaner picnic. The plaque still hangs on David's den wall.
The Brown family tradition of participation goes back further than David can remember, to his maternal grandparents, Emory and Cynthia Dorn, who were Gleaner members and made sure their daughter Beulah (Dorn) Brown was also a member. Like her son, Beulah remembered many fun times attending Gleaner events. In the fall 1986 issue of Forum Magazine, where she was recognized as a 50-year member, she shared about her youthful experiences as the Indian princess announcer in a pageant at the Gleaner Retirement Home in Alma, Michigan. Thanks to that performance, she was asked to serve as the announcer at two Gleaner conventions. She also remembered attending Gleaner meetings with her parents. “The children had to stay in the outer room until the business meeting was over. We used to peek in the keyhole to see what they did in there. Of course, we all had a good time, and after the meeting, we could go in and join the family fun,” said Beulah, a 68-year member who passed away in 1995. Her family’s participation in Gleaner
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was carried on by David Brown, who along with his wife, Carolyn, have been members for three decades. The retirees of Tennessee Tech University live in Cookeville, Tennessee.
They also made sure their daughter, Rachel, was a member, which helped her secure one of Gleaner’s scholarships in 1991. With the scholarship's help, Rachel attended Michigan State University, graduating with honors in three years and three months with a bachelor's degree. She went directly from the classroom to a position as managing editor of The Greater Lansing Business Monthly, a company she interned with in college. Following that, she began a 15-year career in the medical field and today owns her own company, Good Day Marketing, specializing in launching new products for large medical corporations. Rachel is married to Lt. Scott Knutton, a naval officer, and they live in Japan. The fifth generation in David Brown’s Gleaner family tree is his granddaughter, Rose Elizabeth Knutton, who became a Gleaner member at the age of 5 weeks. “Rose, like our Rachel, is an only child. Rachel lost four before Rose was born, so we call her our miracle child,” said David Brown. “We will always be Gleaners, as we not only feel a loyalty based on our family heritage but also because it is a good, solid company with good products,” he said.
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 Limited Quantities Available 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 Giving Book: Limited Quantities Available
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 forum@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: __________________________________
Address: __________________________________
City/State: ________________________________
City/State: ________________________________
Zip: ______________________________________
Zip: ______________________________________
Phone: ____________________________________
Phone: ____________________________________
Email: ____________________________________
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)
GLEANER at a Glance
Fall was a busy season for Gleaner Life, with several outreach opportunities for members and the community. In September, 78 Gleaner members and guests embarked on a seven-day motor coach trip to New England and Cape Cod. On this Gleaner Getaway Tour, travelers saw some of America’s great historical and interesting places, including the Berkshires, the Vanderbilt family’s summer home (called The Breakers), the Big E Fair, the Quadrangle world-class museums, a cranberry bog farm, the Brick Market Place, Shaker Village, Salem Cross Inn, whale- and seal-watching cruises and more! In October, Gleaner Life hosted its fourth annual Gleaner Day and surpassed last year’s total thanks to the collaboration between Gleaner Life Insurance Society, Gleaners Community Food Bank of Southeastern Michigan and The Henry Ford. Held Oct. 1 at The Henry Ford in Dearborn, Michigan, Gleaner employees and Benny the Benevolent Lion welcomed guests and collected donations for Gleaners Community Food Bank of Southeastern Michigan. Food and donations collected that day, plus Gleaner’s $1,500 match and an additional gift match from Weingartz's Mow Down Hunger, were enough to provide 14,383 meals. Gleaner thanks all who helped feed Michigan’s hungry. Most recently, members and friends enjoyed a weekend getaway at Kalahari Resort and Waterpark in Sandusky, Ohio. Over 600 attended the seventh annual event, where guests enjoyed a complimentary movie on Friday evening and a pizza party on Saturday, in addition to all of the famous Kalahari attractions. Tag along for Gleaner’s next excursion to Florida in March! Learn more on Page 29. 8
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50-year members
75-year members
Illinois
North Carolina
llinois
Ohio
Dorothy J. Hively, Aurora Raymond J. Raymond, Kankakee
Dennis Coil, Four Oaks
Charles R. Gray, Watseka Harold Karstensen, Beecher
Indiana
Lee A. Campo, Edison Mathew G. Forman, Austinburg William D. Morlock, Defiance Paula R. Smith, Sagamore Hills Gerald Watson, Napoleon
Ernest E. Fought, Warsaw Peggy J. Rausch, Decatur John P. Stuppy, Lowell
Mavis Armbruster, Napoleon Janet Brinkman, Holgate Ellen G. Farison, Northwood Donald C. Gordon, Piqua June E. Thrush, Delaware Donald W. Wasserbeck, Marion Lucille M. Wells, Napoleon
Michigan
Texas
Lillian R. Lyon, Fort Wayne Sharon M. Kuiper, Lake Village Maryland Michael E. Bowen, Williamsport Michigan Ernestine A. Border, St. Louis A. Dale Hochstettler, Midland Janis D. King, Swartz Creek Robert J. McPhail, Brown City Kevin D. Palmateer, Marysville Lisa Ridenour, Perry
Ohio
Nebraska Patricia Sullivan, Omaha Oklahoma Darlene L. Justik, Mustang Washington
Indiana
Thelma Coon, White Lake Roy H. Delaney, Freeland Walter Groninger, Midland Geraldine L. Holtz, Climax Carlene J. Johnson, Portland Burdeen E. Kelly, Detroit Dean W. Thomas, Byron Center
Beverly K. Cunningham, Dallas Frederick G. Doidge, Plano
Michelle Adams, La Center
Minnesota Neva M. Horner, Minneapolis Ruth E. Shepard, Cannon Falls
Historical highlight: Arbor secretary box Gleaner Life Insurance Society has a rich history steeped in tradition, though some practices of the fraternal benefit society have changed over the years. It’s fun to look back at some of the ways Gleaner’s first members conducted arbor meetings. Recently, Sulphur Springs Arbor (IL) donated its old secretary box full of memorabilia that once played an important role at arbor meetings. Its contents included a Bible, a sickle, a record book and journal, a membership premium record card file, a gavel, a voting box, ritual books, Gleaner song sheets, our Constitution and By-Laws and pledge cards. In other words, the box contained all of the essentials to host an arbor meeting. Items four, five and six of the 15-item Order of Business concerned membership and voting. According to Victor C. Wood's history of Gleaner, “Voting on new members was done by placing a white marble (yes) or a black one (no) in a ballot box. Three negative votes meant rejection.”¹ This form of voting was popular among fraternal organizations during the early 20th century. ¹Victor C. Wood. A major force for good: The continuing history of Gleaner Life Insurance Society. Adrian, Michigan: Gleaner Life Insurance Society, p. 15.
www.gleanerlife.org
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Fund your future
Financial success doesn’t happen by chance. Plan today for future financial success. Financial planning is something individuals tend to put off as they focus on other important life issues. Too often people say, I’ll start planning for retirement after my student loans are paid off or after the children graduate from college. Others might think estate planning is something they should tackle during retirement. But that might be too late to reap the most benefits. So, even if you have significant financial responsibilities that prohibit you from contributing a great deal toward an individual retirement account (IRA) or annuity, now is the perfect time
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to review your finances and establish a plan for your future. Your children — you know, the ones you’re putting your retirement on hold for — will thank you in the long run. If you already have a financial plan, consider reviewing it following the steps below.
Getting started Taking the initial steps toward planning for your financial future will set you on the path to success. Here are six tasks to get you going. These
are steps you can tackle in a matter of days or spread out over a few weeks, but don’t put them off forever if you want a successful financial future. Review your finances | When was the last time you took a hard look at all of your finances? We’re not just talking about your pay stubs or credit card bills. It’s important to pull up your retirement and investment statements, bank accounts, life insurance policies and any other type of financial history. It’s also important to pull all of your revenue and expense streams and look at them www.gleanerlife.org
as a whole. If you haven’t done it already in the past year, request a credit report. This is the first step toward funding your future. Just by locating these important documents, you are well on your way toward accomplishing step No. 2. Get organized | If you haven’t already done so, consider scanning and saving your files digitally. By making these digital, you can clear out needless paper clutter, and when you need to locate a specific document, finding it digitally will be easy. Make sure you have a flash drive or external hard drive. Create or review your budget | If you already have a budget system, review it and assess how you’re doing. If you find that you are consistently going over budget, make adjustments to your plan. There might be areas you can cut back on to spend more in other categories. If your grocery spending is over your budgeted amount, perhaps you could change your cable or satellite TV plan or cancel a gym membership you never use to offset the extra expenses. A review of your finances can help you identify ways to save or stay on budget. Establish goals | Now that you’ve done the hard work, you can start planning. Start by envisioning the type of retirement you would like to live. Will you travel or move to a warmer location? Think about these dreams, and discuss them with your spouse. If you’re not sure, that’s OK, too. If you haven’t done so already, meet with a financial planner. These seasoned professionals can help you determine how to take your dreams and make them a reality. Plan for a future financial surplus | As you crunch numbers and try to stay within budget today, it might be difficult to imagine someday having more than you need. But that might happen, and it’s good to have a plan. So think through what you will do if your company provides a bonus or you get an unexpected raise. If you don’t have a plan, you might find yourself going on a shopping spree (or three) and wasting money you could be investing for your future. www.gleanerlife.org
Follow through | Once you have established a budget and goals, simply follow through with your plan and make adjustments as needed.
Planning for retirement Now that you have all of your finances in order, it’s time to start mapping out the path to your retirement. To start, review your current investments and research additional savings and venture opportunities to maximize your efforts. A lot of your up-front work will come in handy as you take a different look at your budget and the ways it will change over the next 10, 15, 20 and 30 years. Review current retirement plans and investment portfolios | Take a closer look at your employer-sponsored retirement plan for ways to make adjustments. If you are able to fit it within your budget, contribute the maximum amount of your pay toward your plan or at least what your employer will match. This is also a good time to evaluate other retirement plans and portfolio investments you have started. Identify expiring expenses | Are you currently making payments that will be paid off within a certain time frame? Pay close attention to the big payments especially, like mortgages and day care expenses. Once these expenses are no longer part of your budget spreadsheet, you need to think about how to invest the money to maximize your retirement fund.
When is a good time to see a financial planner? As you think through planning for your financial future, you might feel confident that this task is one you can achieve on your own. You also might lean toward the other end of the argument, wondering how you will ever realistically accomplish these tasks. If you are not confident in your financial planning, you can seek the advice of a financial planner. There is not a specific point within the process to seek help, but if you find yourself questioning whether or not you need one at any point during the process, the answer is probably yes.
Compare future payments to current expenses | Using your retirement plans as a guide, compare your projected retirement payments with your current expenses.¹ Your goal is for the two numbers to be equal, so if they aren’t, consider ways to cut your current budget, or think through ways to invest now or in the future. This step may be one you will need to revisit annually to ensure you are on track for retirement success.
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Consider starting an IRA | If you have the means to do so, start an IRA to supplement your employer-sponsored retirement plan. You can contribute $5,500 annually tax-deferred up to age 49 and $6,500 at age 50 or older. Evaluate your life insurance | Some might not consider life insurance part of financial planning, but you should. You might have a term policy right now, but that will expire and you should consider replacing it with a permanent policy. With permanent life insurance, part of each premium payment is placed in a cash value account you can access in retirement.
Establishing an estate plan While evaluating your current financial status and planning for retirement can be accomplished within a relatively short period of time, establishing an estate plan usually takes longer. Sometimes that can be one of the biggest reasons people don’t follow through with it, but you can accomplish this task by divvying up the tasks and setting manageable deadlines.
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And, once again, the effort you have already put into your current financial plan and your retirement plan will come in handy. Here are four steps you can try to accomplish with each season of the year. If you follow this time frame, by the time 2018 rolls around, you will have all of your financial affairs in order, which means you’ll need a new resolution.
Summer 2017
Winter 2017
Fall 2017
Spring 2017
Now that you’ve got the initial plan in writing, maybe your resolution for 2018 (and every year following) can include a review so that you can make proper adjustments and changes as needed.
Decide on inheritances | Over the winter months, start small by creating a list of individuals and organizations you want to receive your inheritance. As you think through this important decision, you should also consider the amount (in dollars or percentages) that you would want each person or organization to receive.
Determine when they receive money | After you have identified who should receive money from you, think about when they should get it. If you have minor children, consider choosing a restricted account to hold onto their inheritance until they become adults.
Choose an executor | While this might sound like an easy step, before you jump into a decision, you should evaluate any potential candidates on their ability to make sound decisions. It’s also important to consider the individual’s health and age (how likely will he or she be around to act in your place?).
Formalize your plan | After you have determined what you want, make it formal. This step will likely include creating or updating your will. If you haven’t already done so, you will likely need to work with an attorney to ensure all of your plans are legal and properly documented.
¹ Philip Moeller, 9 Steps to a successful retirement plan (Aug. 5, 2014), http://time.com/money/3082560/ retirement-plan-9-steps-to-success/
www.gleanerlife.org
Foundation
SP9
In a solid foundation, every brick matters. Financial independence starts with a solid foundation. With Foundation SP9, a single-premium deferred annuity, you can watch your money grow tax-deferred with the power of compounding interest. Even better, for every Foundation SP9 annuity opened, Gleaner will add 50 basis points (0.50%) to the initial premium. For instance, if you open a Foundation SP9 annuity with $100,000, the beginning account value will be $100,500.
Initial premium
First year interest rate1
$1,000-$9,999
2.00%
$10,000-$49,999
2.50%
$50,000-$99,999
3.05%
$100,000-$249,999
3.10%
$250,000 and over
3.20%
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 (1.0% in subsequent years). · Premium bonus of 50 basis points (0.50%) to initial premium.1
Foundation SP9 also 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.
· 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 agent, listed on the back of this publication. If you don't have a Gleaner agent, visit www.gleanerlife.org to find one.
Foundation SP9 form number ICC15-SPDA9 with state-specific variations. Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, KS, KY, MI, MO, NE, OH, TN & VA.
www.gleanerlife.org
Based on current interest rates as of 1/3/2017. Subject to change.
1
Leaving a legacy
with life insurance
Life insurance can provide for a wide range of financial needs. It can protect your family, secure your income, pay for your final expenses and even help you to pass on your estate. But did you know that you can use life insurance to leave a financial gift to a charitable organization?
premium payments in addition to or in place of regular donations that you make to the charitable organization. You can also choose a premium amount that you are comfortable with — even a small face amount makes a world of difference to the organization you’ll be benefiting.
Why use life insurance as a charitable gift?
Example of monthly giving:*
Under current law, life insurance is not subject to probate court. That means proceeds from your life insurance certificate go directly to your designated beneficiary. While a will and testament can be used to leave a financial gift to a charitable organization, the funds can be unavailable while the estate is settled, causing delays in distribution. Wills can also be contested. By using life insurance for estate planning, you can avoid all of these hassles when leaving a financial gift. The best type of life insurance for leaving a financial gift is permanent, cash value life insurance. That’s because your cash value and death benefit can grow over the course of your lifetime. When you pass, the lump-sum benefit replaces regular donations you may have been making. This also allows for a larger lumpsum benefit than you would normally be able to make.
Funding a charitable certificate Depending on your financial situation, you may choose to contribute to a level-premium whole life plan or a single-premium whole life plan. Level-premium plans consist of regularly occurring payments. These payments are usually made annually, quarterly or monthly, depending on your choice. You can make these
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Age
Monthly
Premium duration
Premium contribution
Death benefit
45-year old male
$40
30 years
$14,400
$22,387
45-year old female
$40
30 years
$14,400
$26,287
60-year old male
$40
20 years
$9,600
$10,839
60-year old female
$40
20 years
$9,600
$13,397
*Based on whole life insurance, standard non-tobacco classification, guaranteed death benefit. Not meant to reflect a specific product. Single-premium plans consist of one lump-sum premium payment. For instance, if you have a certificate of deposit worth $10,000 that has matured, you may consider placing it in a single-premium whole life certificate. You may be wondering why you shouldn’t just give this donation directly to the charitable organization. Keep in mind that permanent
www.gleanerlife.org
life insurance makes your eventual gift even larger than it would be if you gave the money to the organization today. Example of single-premium giving:* Age
One-time contribution
Immediate death benefit
50-year old male
$5,000
$10,770
50-year old female
$5,000
$11,866
60-year old male
$6,248
$10,000
60-year old female
$5,659
$10,000
*Based on single-premium whole life insurance, standard non-tobacco classification, guaranteed death benefit. Not meant to reflect a specific product.
www.gleanerlife.org
Giving with Gleaner As a faith-based not-for-profit life insurance organization, Gleaner prides itself on its 122-year tradition of giving back. Through our local service clubs, called arbors, members give back to their communities without the hassle of fundraising. By benefiting a charitable organization with life insurance, you are not only giving back to a cause close to your heart, you are joining in Gleaner’s legacy. Just by owning a Gleaner certificate, you are helping Gleaner to fund donations and service projects in our members’ communities while enjoying all of the benefits of belonging, including PerkSpot discounts, scholarship opportunities for your children or grandchildren and family-friendly travel.
Take the next steps Talk to your Gleaner agent, listed on the back of this publication, about using life insurance to leave a charitable gift. If you don’t have a Gleaner agent, you can find one by visiting www.gleanerlife.org/agents or emailing forum@gleanerlife.org.
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Dear Mr. Marti, Thank you so much for the beautiful 75-year membership pin. It is an honor to receive it. I enjoyed reading your letter and personal note. I was told that my father, Russell Belleville, took out a small policy when I was a baby — probably before my first birthday. I was born Jan. 31, 1939. Dad’s mother, my widowed Grandma Florence Belleville, was a Gleaner secretary who collected members’ monthly premiums. She worked from her home. She had this job for several years. As a child, I remember many people coming and going from her house. She was a very social person. She considered the Gleaner clients visiting friends as much as business contacts. Of course, she was responsible for mail-in premiums, too. No doubt she convinced my dad the importance of having life insurance for his baby daughter. I think it was a $250 policy, which was a lot of money back then. I am very proud to receive this pin. It means a lot to me. My dad and grandma would also be very proud. Thanks again for everything! Sincerely, Celia Jeanne (Belleville) Aring
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Dear Rolling Prairie Arbor, Thank you so much for caring about Worthy Women Recovery Home and for your recent donation of $100. Your generosity helps us to implement necessary programs to encourage our residents toward a positive, healthy lifestyle. Please continue to pray for us as we thank God for what He is doing. Grateful, Sonshine Troche Executive Director Worthy Recovery Inc.
www.gleanerlife.org
Leave a legacy that lasts. You’ve spent a lifetime saving and diligently working to build a legacy that will carry your life’s work forward, now and in your absence. Whether you’re building an inheritance for loved ones or guaranteeing a bright future for a charitable organization, Legacy Life can help you seamlessly pass on your savings without the complexities of estate planning. Legacy Life is a single-premium whole life product that allows you to secure your dreams with a single premium payment. Specifically designed for leaving financial gifts, Legacy Life also features a guaranteed insurability option that allows you to purchase additional coverage from ages 50 to 64 without proving your insurability. As often as once per year, you can purchase an additional single-premium whole life certificate using funds from existing accounts, like: •
Maturing CDs
•
Money market accounts
•
Annuities that are out of their surrender period
•
Traditional savings
Each new certificate can benefit the same or different beneficiaries, including charities that are close to your heart. You don’t have to purchase additional coverage each year, but each additional certificate builds an even bigger financial future for the people and organizations you love. For more information on Legacy Life, contact your Gleaner agent, listed on the back of this publication. If you don't have a Gleaner agent, visit www.gleanerlife.org to find one.
www.gleanerlife.org Gleaner Life Insurance Society is domiciled in Adrian, Michigan, and licensed in AZ, FL, IA, IL, IN, K S, KY, MI, MO, NE, OH, TN and VA. Form #ICC15-SPWL with state-specific variations.
Gleaner Life’s home state of
MICHIGAN Detroit and the automotive industry might be what come to mind when you hear about Michigan, but big-city life only makes up a tiny portion of what makes Michigan unique. If you haven’t heard about Michigan’s natural beauty, made popular by the state’s Pure Michigan ads, here’s a handful of facts about the Mitten State.
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Comprised of two peninsulas, Michigan has more than 11,000 inland lakes, more than 36,000 miles of streams and the longest freshwater shoreline in the world. 1 No point in Michigan is farther than six miles from a body of water (lake or river), and standing anywhere in the state, a person is within 85 miles of one of the Great Lakes. 2
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One of the longest suspension bridges in the world, the Mackinac Bridge connects Michigan's two peninsulas, spanning five miles over the Straits of Mackinac, which is where Lake Michigan and Lake Huron meet. 3
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Michigan has more than 300,000 acres of sand dunes. Silver Lake has the only dunes people can drive on east of the Mississippi River, and Sleeping Bear Dunes is a registered national park.4 (Read more on Page 22.)
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Michigan has more lighthouses than any other state.1
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Michigan lakes and streams are home to 154 species of fish.5
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Detroit | There’s no shortage of the things to do in Detroit. It’s just a matter of how much time you have to explore. The city’s attractions include the Detroit Institute of Arts; Renaissance Center, a set of interconnected skyscrapers; Fox Theatre, a performing arts venue; Comerica Park and Ford Field, homes of the Detroit Tigers and Detroit Lions, respectively, and so much more. One of the most popular spots in Michigan’s largest city is Belle Isle Park, a 982-acre island park located in the Detroit River. This park, now operated as a state park, features Dossin Great Lakes Museum, a nature zoo, an aquarium, a conservatory, a golf range, a fountain and the Livingstone Memorial Lighthouse. Every January, Detroit hosts the North American International Auto Show — fitting since the city is often referred to as the Motor City and birthplace of the automotive industry. Grand Rapids | On the west side of Michigan near Lake Michigan and its popular beaches, Grand Rapids is home to several craft breweries, museums (including the Gerald R. Ford Presidential Museum) and the Frederik Meijer Gardens. One of the most popular annual events in Grand Rapids takes
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While there is no shortage of natural beauty and history, there is plenty to see inland of the Great Lakes. If you’re planning a visit, here is a summary of some of Michigan’s biggest cities (and one peninsula) and attractions.
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Lansing | In Michigan’s capital city is the National Historic Landmark Capitol Building completed in 1879.7 Next door to Lansing is East Lansing, home to Michigan State University, which was founded in 1855 as the nation's first land-grant university and served as the prototype for 69 land-grant institutions established under the Morrill Act of 1862. It was the first institution of higher learning in the nation to teach scientific agriculture.
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Upper Peninsula | If you’re not from Michigan and you hear people refer to “the U.P.,” know that it's short for the Upper Peninsula, and it’s a sight to behold. Pack a picnic and hike to a few of the Upper Peninsula’s 100-plus waterfalls. If canoeing or kayaking is more your thing, explore the multicolored Pictured Rocks cliffs off the shore of Lake Superior. Arch Rock, a geological formation on Mackinac Island, is another favorite of tourists. Fishing and hunting are also popular in the region. The Upper Peninsula is also home to Sault Ste. Marie, founded by Father Jacques Marquette in 1668. It is the oldest city in the Midwest. 2
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Ann Arbor | Home to one of the oldest public universities in the country (established in 1817), the University of Michigan was originally named Catholepistemiad and located in Detroit. The name changed in 1821, and the University of Michigan moved to Ann Arbor in 1837. Classes began there in 1841.6 Today, its sprawling campus also boasts the sprawling Michigan Stadium, home of the Michigan Wolverines football team and the largest stadium in the United States.
Traverse City | A popular destination along Highway 22, Traverse City is often a destination for people who want to explore Michigan’s natural beauty. Sitting on the shore of Lake Michigan, the area is home to beautiful beaches, parks, golf courses and wineries. It's also the largest producer of cherries in the United States. Near the time of cherry harvest each year, the city hosts the weeklong National Cherry Festival in the first full week of July, attracting approximately 500,000 visitors annually. Read more about Traverse City — location of Gleaner’s 58th Biennial Convention — on the next page.
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place every September when artists submit independent works to ArtPrize. ArtPrize features art from around the world at 160 venues within 3 square miles. Did we mention the event is free?
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Gleaner selects Traverse City as host for the 58th Biennial Convention If you attend Gleaner’s 2017 Biennial Conference, you will be in northern Michigan near the peak of its fall foliage, so be prepared to take in the state's breathtaking natural beauty. From lighthouses to trails and golf to wineries, there is something for the entire family. Sleeping Bear Dunes | The towering Sleeping Bear Dunes rise 460 feet above Lake Michigan and are home to the dwarf lake iris, the state wildflower. During October, visitors can enjoy beautiful fall foliage, climb the dunes and fish (license required). Hike the Empire Bluffs Trail or take the Pierce Stocking Scenic Drive, a 7.4-mile loop that features a covered bridge. Cherries | Michigan ranks first in the nation for tart cherry production and fourth for sweet cherries. Though peak cherry season is in July, you will be able to find cherry beverages, cherry candy, cherry salsa and cherry jam in October in stores throughout the area. For your chance to win a basket of Michigan goodies that includes cherry items, email forum@gleanerlife.org and mention that you read this article.* Craft beers and wine | If you want to sample wine or craft beer, Traverse City is a perfect destination. The area has over 50 wineries, including Aurora Cellars, Black Star Farms, Boathouse Vineyards, Bonobo Winery, Chateau Fontaine, Leelanau Cellars and Northern Latitudes. If specialty beers are more to your taste, plan to visit The Filling Station Microbrewery, North Peak Brewing Co. and Rare Bird Brewpub. Golf | Here's what TCgolfguide.com has to say about the Traverse City area and its 50-plus golf courses: “Boasting an inherently golffriendly sandy soil, glacially sculpted terrain and proximity to large bodies of fresh water, the region boasts some of the best natural golf conditions you can find anywhere in the world. This in turn has given golf architects the fantastic canvas upon which they created some of the best golf designs in the nation.”
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Shop | Downtown Traverse City features unique boutiques, clothing stores, toy stores and specialty shops to fulfill your shopping needs. Hike | Fall in Traverse City is the perfect time to hit the trails, and there are plenty of them for hikers of all skill levels. Old Mission State Park Trail has an easy 4.5-mile loop that features a lake. Hunt for wildflowers on Brown Bridge Quiet Area Trail, a 4.1-mile loop that is also popular with bird-watchers. Empire Bluffs Trail allows visitors to experience Sleeping Bear Dunes while they hike. Lighthouses | Grand Traverse Bay is home to Mission Point Lighthouse. Built in 1870, this historic fixture is now part of a park with beaches, historical exhibits and trails. Whether you’re a first-time visitor or a seasoned resident of the Mitten State, there is plenty to do and see as you bask in the state's natural beauty. So, whether you plan to visit for the conference or make a summer trip, enjoy the natural beauty that makes Michigan special.
¹ http://www.michigan.gov/som/0,4669,7-192-29938_30245---,00.html ² http://www.legislature.mi.gov/documents/publications/ GettingToKnowMichigan.pdf?20161116091426 ³ http://www.mackinacbridge.org/about-the-bridge/frequently-asked-questions/ 4
http://www.michigan.org/blog/outdoors/beaches/five-places-
to-discover-amazing-sand-dunes-in-michigan/ 5
http://www.michigan.gov/kids/0,1607,7-247-49069-56001--,00.html 6
http://bicentennial.umich.edu/
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http://capitol.michigan.gov/
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https://msu.edu/about/thisismsu/facts.html
* To enter Gleaner’s Michigan goodie basket giveaway, email your name and phone number with Michigan basket giveaway in the subject line to forum@gleanerlife.org no later than Feb. 3, 2017.
www.gleanerlife.org
Online scholarship application
NOW OPEN!
The online application process for 2017 Gleaner scholarships is now open. Since 1980, the Gleaner Life Insurance Society Scholarship Foundation has awarded 22,514 scholarships totaling more than $2.6 million. Gleaner plans to award 100 competitive scholarships in 2017. A panel of judges will rank all applications and select the top 100 students. Gleaner’s top 50-ranked benefit members will receive a one-time award of $3,000. Of the remaining 50 benefit members and eligible nonmembers, each will receive a one-time scholarship totaling $1,500. To view eligibility requirements or to apply online, visit www.gleanerlife.org/scholarships.
Not a benefit member? It’s easy and affordable to become one! A benefit member is anyone who is insured by a Gleaner life insurance certificate or who owns a Gleaner annuity. While members’ immediate families are eligible for a one-time $1,500 scholarship, only benefit members are eligible for a one-time $3,000 award. Visit www.gleanerlife.org/scholarships to learn how you can become a benefit member with Gleaner’s Lifetime Membership or Just For Kids® life insurance plan.
Online application closes Feb. 1! Apply online at www.gleanerlife.org/scholarships.
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Gleaner in action Gleaner Life Insurance Society promotes communities that are dedicated to helping others. Home Office employees, agents and members have pitched in to help their local communities over the past couple of months. Here is a snapshot of these efforts.
Gleaner Life Gives pledges $64,876 to Lenawee Cares In September, Gleaner Life Insurance Society partnered with Lenawee Cares, a program of the Lenawee Community Foundation, to roll out our new Gleaner Life Gives campaign. As a pacesetter for Lenawee Cares, Gleaner Life Gives pledged $64,876 to support the local community. “The Gleaner Life Gives campaign is an important part of the new Lenawee Cares annual campaign, a program of the Lenawee Community Foundation. Our generous employees pledged a record amount of money, while the Society contributed a matching gift,” said Kevin Marti, president and CEO of Gleaner Life Insurance Society. Lenawee Cares is the new annual campaign benefiting Lenawee County. www.gleanerlife.org
One hundred percent of the gifts raised under the Gleaner Life Gives campaign stays in Lenawee County for the benefit of the community. As Gleaner employees pledged gifts, they were able to designate where their contributions would go within the community. "The funds will be distributed early next year to the various local nonprofit organizations our employees chose to support. These organizations deliver critical assistance and positive outcomes to our fellow community members and organizations in need,” said Marti.
Faith, finance and fraternalism Gleaner agent helps community through arbor founding There’s something special about Gleaner agents. During business hours, they help our members secure their financial futures by identifying the right life
insurance or annuity products. But some agents, like Gary Reese, see their work as an avocation, not merely a vocation. Already an advocate of Gleaner’s Samaritan program, Reese and his employees at Faith Investment Services decided to found the Riley Creek Arbor (OH) to better engage their community. Their goal is to serve the Bluffton, Lima and Pandora areas on the three pillars of faith, finance and fraternalism. Thanks to Gleaner’s Samaritan program, Reese and his Riley Creek Arbor colleagues are able to finance the way they serve others. “There’s a word for the Holy Spirit in the Book of John: Paraclete. The essence of the word means 'one called alongside to help.' That’s the Holy Spirit. And that’s our heart. We are called to come alongside people and help,” said Reese, who serves as Riley Creek
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The biggest of the three, this event joined local organizations for the love of the children in the community. More than 350 students were preregistered, but over 500 students and family members attended the evening to collect school supplies and participate in other fun activities. Haircuts were provided by Brown’s Barber Shop, and hot dogs, cookies and beverages were donated by the Mulberry Kiwanis, Mulberry Community Service Center and Subway. Student volunteers from Mulberry High served the refreshments.
Arbor president in addition to his role as president of Faith Investment Services. Fifty people attended the Riley Creek inaugural meeting at Jeanne’s Kitchen in Bluffton, where the arbor recognized three volunteers with Community Volunteer Recognition Awards. Since then, members have been busy working to accomplish their goal to better serve the community. In June, they held a patriotic barbecue and bingo event for elderly and disabled community members. They have also helped fund youth 4-H projects and sponsored a community movie night.
"That’s the Holy Spirit. And that’s our heart. We are called to come alongside people and help…" Agents like Reese are often in the perfect position to start and lead arbors. Meeting with clients, they know the needs of the community. Since Gleaner’s Samaritan program is designed to fund the projects that arbors identify, they are able to focus their limited time on completing projects, not fundraising. If you are interested in joining or starting an arbor, email forum@gleanerlife. org or fill out the “Starting an Arbor” form at www.gleanerlife.org/arbors.
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Heart of Florida Arbor plans back-to-school activities Gearing up for another school year can be a special time for families. But for those who struggle to make ends meet, the excitement surrounding the joyful start of another school year is often overshadowed by the fear of not being able to afford supplies let alone new clothes and shoes. That’s where Heart of Florida Arbor (FL) stepped in to make sure families and children had everything they needed to start the academic year off right.
The evening also included crafts, face painting and a free book table provided by First Methodist and FAM churches, fresh popped corn provided by First Baptist Church and special Heart of Florida Arbor crowns and tattoos. “This was our fourth year doing the project. The best part is seeing the children’s faces light up. They are all so excited when they see their new haircuts or face paint and, of course, when they get their backpacks,” said Debbie Rydberg, a Gleaner agent who helped found Heart of Florida Arbor. “I have always felt a responsibility to give back to the community and so do many of our clients. The Samaritan program is a fantastic way to bring members together for common goals, helping where their passions lead them. It becomes a journey for all of us,” said Rydberg.
The arbor organized a series of events to fulfill the needs of 350 schoolchildren in the Lakeland and Mulberry areas of Florida. First came the Stuff the Bus event, a school supplies drive in which Heart of Florida Arbor partnered with local churches, the Mulberry Chamber and the Kiwanis Club to collect supplies at Kmart and Wal-Mart on July 30-31. Next, arbor members and the First United Methodist Church in Mulberry held a Stuff the Backpacks event Aug. 2-3 in which 28 volunteers joined together and prepared backpacks for 350 students entering kindergarten through grade 8. That event led to the grand finale Back-to-School Bash on Aug. 9. www.gleanerlife.org
2015-16
Samaritan totals Gleaner arbors and members make positive impacts The 2015-16 Samaritan year came to a close at the end of August, and the totals provide a glimpse into the ways our members are working to improve their communities.
64 arbors completed 1,295 meetings and activities. 12,168 Gleaner members participated in arbor-related events. 48,839 guests also got involved with events hosted by Gleaner arbors. 60,500 acts and hours of volunteer service were performed by members. $572,898 was donated to communities and local charities. The new Samaritan year that kicked off in September, included an update to activities as Gleaner strives to keep the focus of its community engagement efforts toward serving and bettering our communities. If you’re interested in getting involved with an arbor or learning more, email forum@gleanerlife.org.
ARBORS HELD
1,295 meetings/activities
Acts and hours
61,007
TOTAL IN ATTENDANCE: Members: 12,168 Guests: 48,839
60,500
Donated to communities $572,898 www.gleanerlife.org
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Korinne’s Korner Patience. There’s a word we’ve all heard over and over and over again, regardless of our age, from parents, teachers, coaches, relatives, etc. I am guessing that, if you take a minute to reflect on your own lifetime, that word can apply to many of your life’s experiences, like learning a new skill, driving a car, raising your children, tackling a new sport, adjusting to a new job opportunity — the list goes on and on. Personally, my learning curve with patience has gradually matured with age. It’s so easy to get caught up with the speed in our lives and just keep pushing through whatever may be facing us. Quilting is an activity that calls for clear intent and patience, or you pay the price. A mistake or miscalculation can end up costing time, like getting out the ol’ seam ripper or cutting additional fabric to start all over again from the top, costing money. Correcting an “oops” has consequences, to be sure. Over time, I have learned the hard way to slow down, reread instructions and attempt to get my work right out of the gate — in short, to be patient. Honestly, it’s too bad I didn’t learn this lesson earlier in life, but better late than never! My recipe for this article calls for time and patience to succeed. For years, I was afraid to try any recipe that called for yeast. It was just not in my comfort zone. However, a dear friend of 30 years shared a cinnamon raisin bread recipe and encouraged me to give it a try. Don’t let me lead you astray — I have had some real busts, but the law of averages is on my side, and it’s delicious bread. Follow the recipe, be patient and savor a toasted slice with a big slab of butter. Dissolve 2 packages of yeast in ½ cup warm water. Stir in 1½ cups warm water, 3 tablespoons sugar, 1 tablespoon salt, 3 tablespoons oil and 1 lightly beaten egg. Beat in 3½ cups flour until smooth. Mix in 1 cup raisins. Knead dough on a floured surface until smooth and elastic. Total flour will be about 7 cups. Place in a greased bowl, and let rise until doubled in size. Punch down and divide in half. Roll each half into an 18-by-9-inch rectangle. Wet the dough halves with a little water, and then sprinkle with a cinnamon and sugar mixture. Roll each up tightly beginning at the narrow end. Seal seams. Place seam side down in greased loaf pans. Cover and let rise until doubled . Bake at 400 degrees about 25 minutes or until golden. Brush with melted butter. Enjoy! Kevin and I have a plaque hanging right by the side door to the garage that reads: Patience with others is love. Patience with self is hope. Patience with God is faith. — Adel Bestavros So as we ring in a new year, let’s be patient with ourselves and others. What a beautiful gift for all in 2017.
Fraternally yours,
Korinne Marti Wife of Gleaner President and CEO Kevin Marti
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www.gleanerlife.org
Join us for a F lor ida getaway March 3-4! Our Florida events aren’t just for Florida members. As winter comes to a slow close, join us in Florida March 3-4 for a mini-getaway at The Inn at Little Harbor in Ruskin. A warm, intimate resort overlooking the waters of Tampa Bay, this Caribbean Island-style hotel destination is the quintessential Florida waterfront retreat. The Inn at Little Harbor is on a private beach on the south shore of Tampa Bay, just a short drive from the attractions, shopping and nightlife of downtown Tampa Bay, St. Petersburg, Sarasota, Anna Maria and Bradenton. Best of all, you’ll be able to join us for our snowbird picnic and spring training ballgame (for an additional fee). All rooms include two beds, a miniature refrigerator, coffeemaker and microwave. First-floor rooms feature a patio, while second-floor rooms have a private balcony.
Standard double Two double beds; $110 per night, plus 12% sales tax and $8 resort fee. Deluxe queen Two queen beds; $119 per night, plus 12% sales tax and $8 resort fee. To register, call The Inn at Little Harbor at 813.645.3291 and tell them you are registering for the Gleaner Life Insurance Society retreat March 3-4. Booking agents are available 24/7 to help you schedule your getaway. Visit www.gleanerlife.org/florida for more information!
www.gleanerlife.org
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Benny's favorite
Michigan FACTS 3. 1. 1.
Traverse City is known as the “Cherry Capital of the World” with Michigan producing 70% of the world’s tart cherries.
2. Michigan is the French form of the Indian word mishigamaa, meaning “large water” or “large lake.” 3.
Michigan is made up of two different land areas, the upper and lower peninsulas. They are connected by a five mile long suspension (hanging) bridge, which is the longest suspension bridge in the western hemisphere!
4. The Great Lakes hold 20% of the earth’s total fresh water. 5.
attle Creek, home of Kellogg’s cereal, B is called the “Cereal Bowl of America” and produces more breakfast cereal than any other city in the world.
6. Based out of Detroit, the J.W. Westcott II floating post office delivers mail to ships while they are still on the water. 7.
5.
id you know that Henry Ford D created the Model T, one of the first affordable cars? More than 15 million Model Ts were produced by Ford factories. Known as the motor city, Detroit is home to the top three automakers.
8. The apple blossom is the official state flower. Michigan is known for growing apples that are enjoyed around the world.
7.
Can you name the five great lakes?
To help you remember the names of the Great Lakes, think HOMES. H_____________________________ O_____________________________ M_____________________________ E_____________________________ S______________________________ Huron, Ontario, Michigan, Erie and Superior.
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2.
1. 3.
4.
Traveling Benny Benny recently joined Gleaner members on a seven-day trip to Cape Cod. From making friends with other animals to visiting the Ocean, Benny had lots of adventures. Don’t forget to take Benny on your next trip. He loves to see the world! 1. During his trip to Cape Cod, Benny toured a lighthouse. 2. Benny had a fun time meeting goats, pigs and this cow during his trip.
Congratulations, Marilyn K., the winner of
Gleaner’s Fall Forum Magazine giveaway. Don’t miss your chance to win this time around. The giveaway contest is hidden within this issue. Read closely for your chance to win.
3. The sun, sand and beautiful waves of the ocean were some of Benny’s favorite parts of the trip. 4. A windmill was just one of the neat sites Benny visited.
Going on vacation? Take Benny! Take Benny with you on your adventures. Then, have your parents send photos of his travels to forum@gleanerlife.org. Your photos may end up on Benny’s Page in Forum Magazine!
Did you find the wheat stalk? In this issue of Forum Magazine, the wheat stalk was hidden on page 11, in the arbor secretary box.
Mini Bennys are provided with new Just For Kids® certificates. www.gleanerlife.org
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Recipe file
Chilly nights are the perfect time to cozy up with one of these warming dishes. Chowders
Country Cornbread
2 c. potatoes, diced 2 onions, diced 1 stalk celery, chopped fine 1 carrot, diced 1/8 tsp. thyme 1 qt. water Milk Salt and pepper Paprika Parsley flakes Large dab butter Additional ingredients (see chowder options below)
3 c. yellow cornmeal 1 c. all-purpose flour 6 tsp. sugar 1 tsp. salt 2 tsp. baking powder 1 c. milk 1 c. nonfat plain yogurt ¼ c. unsalted butter, melted ¼ c. vegetable oil 4 lg. eggs 2 c. creamed corn
Cook vegetables in water until tender. Add milk, enough for desired amount of soup. Add butter and seasonings. Fish Chowder: Cube 1 lb. fish fillets and add to water. Simmer until fish turns white. Corn Chowder: Add one can of corn or bag of frozen corn. Sausage Chowder: Add diced smoked sausage or salami. Fresh sausage can be fried, crumbled and then added.
Preheat oven to 400 degrees. Grease two 8-inch square pans. Combine dry ingredients in a bowl. In a second bowl, combine milk, yogurt, melted butter, oil and eggs. Add this to the dry ingredients until just combined, stir in creamed corn. Stir and pour batter in both pans. Bake until tops are golden brown or until inserted toothpick comes out clean, about 45 minutes. Cool baking pans on rack, then remove. Cut bread into squares and serve.
Home Grown Recipes, Vol. 3, page 39
Home Grown Recipes, Vol. 3, page 205
Emerald Isle Stew 1 T. oil 1 lb. round steak, 1 inch cubes 5-6 lg. carrots, chopped 3 stalks celery, chopped 3-4 potatoes, cubed 1 med. onion, chopped 1 (10-1/2 oz.) can condensed beef broth 1 (10-3/4 oz.) can mushroom soup 1-1/2 c. water ½ tsp. thyme In a Dutch oven heat oil on medium heat until hot. Add meat. Cook and stir until browned on all sides. Stir in remaining ingredients. Bring to a boil. Reduce heat and simmer, partially covered for 1 to 1-1/2 hours or until tender. Makes six (1/4 cup) servings. Home Grown Recipes, Vol. 3, page 47
Do you have a favorite recipe you’d like to share? We’d love to feature your recipe! Send a copy to forum@gleanerlife.org or mail to: Gleaner Life Insurance Society Attn: Marketing Department 5200 West U.S. Hwy. 223, P.O. Box 1894, Adrian, MI 49221
Protect the Ones You Love You welcome a baby ... and suddenly your world has shrunk to what you hold in your arms. But, have you considered what would happen if you were no longer there to take care of your loved ones? While nothing can replace you, having life insurance means that if something happened to you, your loved ones would be OK financially. Protect the ones you love with life insurance. Learn more at www.lifehappens.org.
This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures. Life Happens does not endorse any insurance company, product or advisor. Š Life Happens 2015. All rights reserved.
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Happy New Year! A new year with endless opportunities awaits A new year is a time of change. It’s a time for creating new habits, setting goals and planning ahead. But every plan has contingencies for when the unexpected happens. Life insurance can provide a safety net for families during the most difficult and unexpected times of change. This year, make a resolution to provide your family with life insurance coverage. Make an appointment with your Gleaner agent (listed above) to address your life insurance needs, or visit www.gleanerlife.org to learn about life insurance for every stage of life. We wish you a year full of health, happiness and prosperity in 2017.
Happy New Year from Gleaner Life!