Issuu

HERMANN SONS LIFE NEWS October 2026

Make sure your coverage still fits your life.

MEDICARE AEP OPENS OCT. 15

HSL Board Report

New Camp Executive Director

Pioneer Story

President’s Message Vol. 129, No. 10 We strengthen community through financial protection and service. DIRECTORS Kimberly Krueger, Chair of the Board Robert Prewitt, Vice Chair of the Board Theresa Garlin Laura Tiffin Lori Naughton Bradley Klein

Protecting the Fraternal Legacy

OFFICERS Robin Czarnek, President and CEO Samantha Schulmeier Kelley, Vice President of Operations and COO Teresa Saathoff, Vice President of Sales Liz Napier, Vice President of Finance COMMITTEE MEMBERS LAWS: Mary Beam, Mark Boeker, Elizabeth Byron, Michael Huebinger, Tammy Kelley, Cheryl Kluver, Terrel Maertz, Arthur Pfefferkorn, Stephen R. Prewitt, Sherry Rakowitz, Annette Roecker, Stephen Schellenberg, Harry Schriber Jr., Diane Smith, Stanley Steiger MEMBER BENEFITS: Sayra Elkins, Gary Falkenberg, Paula Gebert, Tammy Jones, Lisa Rozacky, Charles Stork, Ronald Wiatrek COMMUNITY ENGAGEMENT: Jeremiah Arauco, Kyle Hartmann, Dennis Koepp, Ronald Plouch, Katie Miller, Judith Schulmeier, Brenda Smith BUSINESS OPERATIONS: Shirley Faske, Kathryn Gloor, Pat Klotz, Charles Knibbe, Edward J. Muehlbrad, Pam Matula, Michael Warneke HERMANN SONS LIFE NEWS Elaine Hernandez Soto, Commucations Director 210-226-9261, ext. 279 email: elaines@hermannsonslife.org Hannah Ruiz-Gruver, Assistant Communications Director 210-226-9261, ext. 102 email: hannahrg@hermannsonslife.org The Hermann Sons Life News is published monthly. The news submission deadline is the 10th of each month. For example, for the January issue, the deadline is Dec. 10. News and photos can also be submitted online at hermannsonslife.org under Member Benefits, Lodges, Forms; emailed to elaines@hermannsonslife.org or mailed to Hermann Sons Life, P.O. Box 1941, San Antonio, TX 78297-1941. The Hermann Sons Life newspaper is an official publication of Hermann Sons Life. The management and editorial policy of the newspaper shall be in the hands of the President and CEO, and the President and CEO shall have the authority to appoint a member or members of Hermann Sons Life as editor and/or business manager thereof. USPS 242200 Periodicals Postage Paid at San Antonio, Texas Published Monthly by HERMANN SONS LIFE 515 S. St. Mary’s St., San Antonio, Texas 78205 210-226-9261 • 800-234-4124 POSTMASTER: Send address changes to: Hermann Sons Life, P.O. Box 1941 San Antonio, TX 78297-1941

2 – Hermann Sons Life – October 2026

By Robin Czarnek President and CEO September is an important time in the life of fraternals. Last month, representatives from 30 fraternal benefit societies from across the country gathered in Washington, D.C. for the American Fraternal Alliance Executive Summit. One of the most important parts of the Summit was our time on Capitol Hill where we had the opportunity to meet with members of Congress and their staff and tell the fraternal story. I was proud to represent Hermann Sons Life as we shared the impact fraternals continue to make in communities throughout our country. (See Pg. 3) My group met with Congressman Randy Weber and members of not only his staff, but the staff of Congresswoman Monica De La Cruz and Congressman Michael Cloud. These conversations gave us the opportunity to talk about who we are, the tremendous impact we make and why the fraternal system remains important today. It has been said that it is harder than ever to be a fraternal. Increased regulation, stronger enforcement and an increasingly competitive environment certainly present challenges, however, I look at things a little differently and see it as an opportunity to tell our story. It means we fight harder for something worth protecting. We want Hermann Sons Life and the fraternal system as a whole to thrive for generations to come. We want future generations to experi-

Pictured during the American Fraternal Alliance Executive Summit in Washington, D.C. are, from left, Hermann Sons Life President and CEO Robin Czarnek, Stefanie Attard of Foresters Financial; Denise McCauley of Woodmen Life; Alan Burns of SPJST; and J.R. Rodriguez, Legislative Assistant for Monica De La Cruz.

Pictured with Congressman Randy Weber, center, are from left, Alan Burns of SPJST; Denise McCauley of Woodmen Life; Stefanie Attard of Foresters Financial; and Hermann Sons Life President and CEO Robin Czarnek. ence the friendship and fellowship of our lodges, the joy of serving their communities and the security provided by the financial products fraternals offer. Protecting that future also means doing things the right way. The IRS has finalized significant changes to the rules governing group exemptions. While these changes took longer to become final than we anticipated when we first began talking about them several years ago, the transition period for several of the new requirements ends in January 2027. These changes place greater responsibility on organizations like Hermann Sons Life to ensure that the local organizations included under our group exemption understand and follow the requirements necessary to maintain their

tax-exempt status. That makes cooperation and compliance more important than ever. In the coming months, we will be sharing more information about what these changes mean for Hermann Sons Life and our lodges. Our goal is not simply to tell you what the rules are. We want to provide guidance, answer questions and make sure our lodge leaders have the support they need to be successful and compliant. Compliance may not be the most exciting part of being a fraternal, but it helps protect something that is critical in our ability to serve others, strengthen our communities and continue a tradition that has endured for generations. Ours is a story worth protecting and one I am always proud to tell.

Inside 2 4 4 5 6 7 8 8 9 10 11 12 12 13 13 14 14 15-22 24 24 25 26 27

President’s Message HSL Board Report Partner Series - Parkway Advisors Sales News Sales Agent Directory Camp News Pioneer Shares Her Story Vasquez Retires Health Notes Howie’s Happenings Kitchen Korner Senior Safety at Home Emergency Plans for Seniors Protecting Financial Information Keeping Your Home Secure Device Free Family Activities Guide to Wreath Making Lodge News Make a Difference Day Memorials Pioneers Pioneers/Donations Just for Fun

Harmonia Lodge Reminders Da Costa Niederwald Paige

Brenham La Vernia McGregor

Vineta

Deanville Kirby Round Top Vineta (cont’d)

FRATERNAL BENEFIT SOCIETIES

TEXAS FRATERNAL IMPACT DURING 2025 IN TEXAS Fraternal benefit society members:

Contributions to the community by members and chapters:

665,524

$49,347,713

Total volunteer hours:

Estimated value of volunteer hours*:

3,659,015

$132,236,802 *Independent Sector 2025 estimated value of volunteer time = $36.14/hour

SERVING TEXANS In Texas, fraternals provide more than $42.7 billion of life insurance in force, protecting Texan families from the unexpected and providing financial peace of mind.

The Fraternal Difference In 2025, over

7.2 MILLION

members devoted more than

48 MILLION service hours and gave more than $812 MILLION

Lodge News 15

United in service and financial security

to community organizations.

20 Boerne

Louise Schuetze Mission-Alamo Twin Sisters

Fort Worth Helotes Hondo Victory New Braunfels Pershing Prinz Solms

A DIFFERENT KIND OF LIFE INSURER Fraternal benefit societies are 501(c)8 not-for-profit financial and community service organizations – a different kind of life insurer. More than a century ago, fraternal benefit societies were created to provide financial and social support for those who were unable to access traditional life insurance due to their religion, ethnicity, occupation, or gender. Early fraternalists would “pass the hat” to help families in need. Over time, fraternals evolved to provide insurance products while preserving their deep-rooted bonds and benevolent mission - serving generations of Americans with purpose and care.

A COMMITMENT TO COMMUNITY Modern fraternal insurers are active in all 50 states offering financial protection and opportunities to make a difference through local volunteerism and philanthropy. Fraternal chapter members are the heart and hands that prepare meals and weekend food bags for at risk children, assemble packages for deployed troops, build beds and public parks, and show up in the immediate aftermath of natural disasters. These societies and their members strengthen the fabric of American life and reflect our nation’s core Contact Us: ideal of civic responsibility, mutual aid, and service.

info@fraternalalliance.org

22 Anton Wenzel

Burton Fredericksburg Houston Rutersville Siemering

Employee Service Awards Hermann Sons Life President and CEO Robin Czarnek, left, presented two 5-year Employee Service Awards at the Home Office on Sept. 8. On left, Vice President of Finance Liz Napier has been employed at the Home Office since Sept. 5, 2021, and is a member of Greater Texas Lodge. On right, Kathryn Mutchler, Sales Administrative Assistant, has been employed at the Home Office since Sept. 1, 2021. She is a member of Mission-Alamo Lodge.

hermannsonslife.org – 3

Board of Directors Report

HSL Board shares updates from August meeting By LORI NAUGHTON HSL Board Director Board Report: August 24, 2026 The Hermann Sons Life Board of Directors met August 24 for a full-day meeting focused on HSL’s financial position, annuity growth, lodge requirements, youth programs, properties and future planning. Major areas of discussion included: Financial results, presented by Vice President of Finance Liz Napier. The Board reviewed second-quarter results, with positive movement in several areas including net income, total assets, investment yield, cash and liquidity. MYGA annuity sales remain an important area for continued growth. HSL’s 2025 outside audit was also completed with a clean opinion. Investments, presented by Theron Holladay and Kyle Timmerman of Parkway Advisors.

The Board reviewed HSL’s portfolio and was advised that the investments remain within the HSL investment guidelines and regulatory requirements, investment grade. Actuarial review, presented by Chris Conklin, HSL’s actuary. A major focus was the importance of increasing annuity sales as part of strengthening HSL financially for the future. HSL is working to increase the visibility and distribution of its MYGA products. New IRS requirements for lodges, presented by legal counsel Todd Martin. New federal rules will require HSL to collect and report additional information from lodges and home associations operating under HSL’s group tax exemption. Leadership is developing a process to meet those requirements while also looking for ways to better support local lodges with the reporting involved. The Board was also reminded that lodge assets

must remain dedicated to charitable and fraternal purposes if a lodge is ever dechartered. Camp and youth programs. HSL welcomed 946 campers in 2026, compared with 972 in 2025. While overall attendance was slightly lower, attendance by non-member campers increased, reflecting continued interest in HSL camp programs beyond the membership. Camp staffing increased from an average of 50 to 60 employees, largely because of requirements following the floods. Registration for the new dance season was still underway at the time of the meeting. Camp leadership. Following the planned departure of Executive Camp Director Ian Brasset, HSL began its search for a new camp director, with several prospective candidates already being considered. Mark Napier is assisting during the transition. Properties and future planning. The

Board continued discussions regarding HSL’s downtown San Antonio property. Rather than moving forward with an immediate sale, HSL is pausing the current marketing process while the Board reviews the recent appraisal and considers the best long-term use of the property. No final decision has been made. The Board also discussed the Riverside property in Comfort, which sustained significant flood damage. American YouthWorks has been assisting with extensive cleanup at no cost to HSL. The Board also approved a secure new system for Board materials and received updates on staffing, sales efforts and other ongoing projects. The Board will continue this work through its committees and regular meetings, and future reports will share updates on key decisions, priorities and progress.

Parkway Advisors vital HSL financial partner This is the first in a series of articles spotlighting some of the vital professional partnerships that ensure Hermann Sons Life remains financially strong and secure. Submitted by PARKWAY ADVISORS At Parkway Advisors, guiding insurance organizations through the complexities of investing, statutory accounting, and regulation is at the heart of our business. We are honored to serve Hermann Sons Life and to play a role in supporting its financial strength and the promises it has made to its members. Based in Abilene, Texas, Parkway specializes in providing investment management, insurance investment consulting, and statutory reporting services to insurance organizations. Unlike investment managers that serve many types of institutions, Parkway maintains a clear focus on the insurance industry. Parkway currently serves over 40 insurance companies, including numerous fraternal organizations from across the country, including several other Texas domiciled fraternal insurers. Serving fraternals is particularly meaningful to Parkway because their financial resources ultimately support members, families, communities, and important charitable missions. Managing an insurance company’s assets involves considerations that are not present in a traditional investment portfolio. An investment cannot be evaluated solely by its yield or expected return. It must also be considered in

4 – Hermann Sons Life – October 2026

relation to statutory surplus, net investment income, liquidity, Risk-Based Capital, asset-liability management, IMR and AVR, regulatory requirements, and the insurer’s underlying products and obligations. These considerations are central to our investment process. Before recommending a transaction, we evaluate how it may affect the insurer’s financial statements, capital position, cash flows, portfolio diversification, and long-term ability to meet policyholder obligations. An investment that appears attractive in isolation may not be appropriate if it creates excessive capital requirements, introduces unnecessary surplus volatility, or produces cash flows that do not align with the organization’s liabilities. For Hermann Sons Life, we develop and manage an investment strategy tailored to its products, reserves, financial position, cash-flow needs, risk tolerance, and long-term objectives. We continually evaluate the portfolio for opportunities to enhance book yield and net investment income while maintaining appropriate credit quality, diversification, liquidity, and asset-liability alignment. Our objective is not simply to pursue additional yield, but to identify risks that are appropriately compensated and suitable for HSL’s overall financial position. We also provide HSL with comprehensive statutory investment reporting. Our reporting services include the preparation of investment schedules and data required for quarterly and annual regulatory filings, along with pricing,

The Parkway Advisors team specializes in providing investment management, insurance investment consulting, and statutory reporting services to insurance organizations including Hermann Sons Life. NAIC designations, investment accounting information, and customized management reports. Because our investment management and reporting teams work closely together, we can consider the statutory and financial implications of a transaction before it is completed. This provides HSL with a more coordinated and comprehensive approach to managing its investments. Our relationship with HSL extends beyond the portfolio. We work closely with its leadership, board of directors, actuaries, accountants, and other professional partners. We believe the best results are achieved when

everyone serving an insurance organization understands its direction and works toward the same objectives. For that reason, we strive to be an extension of HSL’s team rather than simply an outside investment manager. Our mission is “to be the best, most-respected provider of service to the insurance industry.” We pursue that mission through personal service, customized solutions, open communication, and a genuine commitment to the organizations we are privileged to serve. We are grateful for HSL’s trust and proud to help support its continued service to members and communities.

Sales

Make the most of Medicare AEP with help from a Hermann Sons Life Agent

By Teresa Saathoff Vice President of Sales

Medicare’s Annual Enrollment (AEP) is an important opportunity to review your current coverage and determine whether it will continue to meet your needs in the coming year. Medicare plans can change annually, and your healthcare needs may change too. You do not have to sort through all the options alone. Hermann Sons Life Medicare Agents are ready to help you understand your choices and find coverage that fits your individual needs. Here are a few reasons to contact an HSL Medicare agent this AEP: Plans can change. Premiums, copays, deductibles, provider networks and prescription drug

coverage may be different for the upcoming year. Your needs may have changed. New medications, doctors, health conditions or financial circumstances could affect which plan is right for you. Your doctors and prescriptions matter. An Agent can help determine whether your preferred providers and medications are covered by the plans you are considering. There may be benefits you are not currently receiving. Depending on the plan and your eligibility, additional benefits may be available. Comparing plans can save you time and

money. An HSL agent can explain your options in easy-to-understand terms and help you make an informed decision. Personal assistance brings peace of mind. Instead of navigating Medicare choices on your own, you can work with someone who will listen to your concerns and answer your questions. Even if you are satisfied with your current coverage, an annual review is a smart step. Contact a Hermann Sons Life Medicare Agent during AEP at 210-527-9113 to make sure your plan continues to work for you. We are here to help our members protect their health, finances and their peace of mind.

Partner AHIA shares Medicare 101 Submitted By Affordable Health Insurance Agency Medicare can provide valuable health coverage and peace of mind, but understanding the different coverage options available can sometimes feel overwhelming. Knowing the differences between Original Medicare, Medicare Advantage and Medicare Supplement Insurance can help beneficiaries make informed decisions about their health-care options. Each year, Medicare’s Open Enrollment Period runs from October 15 through December 7. During this time, Medicare beneficiaries can review their current coverage and make certain adjustments for the upcoming year, including joining, switching, or dropping a Medicare Advantage Plan or Medicare prescription drug plan. Changes made during this period generally take effect January 1. Medicare Advantage Plans, also known as Medicare Part C, are Medicare-approved plans offered by private insurance companies as an alternative way to receive Original Medicare benefits. Individuals enrolled in a Medicare Advantage Plan still have Medicare, but their Medicare-covered services are provided through the private plan rather than directly through Original Medicare. Many Medicare Advantage Plans also include prescription drug coverage and may offer additional ancillary benefits. To join a Medicare Advantage Plan, an individual generally must have both Medicare Part A and Part B and live within the plan’s service area. Due to plan availability, provider networks, benefits, and costs can vary by location and carrier, reviewing available options carefully is important. Medicare Supplement Insurance, commonly called Medigap, works differently. Medigap policies are sold by private insurance companies and are designed to work alongside Original Medicare. These policies can

help pay certain out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. Unlike Medicare Advantage and prescription drug plans, Medigap does not have the same annual October 15 through December 7 enrollment period. A person’s ability to purchase a Medigap policy and the protections available when applying can depend on factors such as age, current coverage, timing, and individual circumstances. With multiple factors to consider, choosing Medicare coverage can be about much more than comparing premiums. Beneficiaries may want to consider whether their doctors and preferred medical facilities participate in a plan’s network, whether their prescription medications are listed on a plan’s formulary, what their potential out-of-pocket expenses may be, and which additional benefits are available in their area. That is where working with a local insurance agency can serve as a resource during this process. TPMO Disclaimer: We do not offer every plan available in your area. Currently, we represent 19 organizations which offer 438 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options. Affordable Health Insurance Agency is not affiliated with or endorsed by any government agency. Specific eligibility requirements, triggers, and limitations for certain extra benefits (such as dental, vision, hearing, fitness, or transportation) may apply. Enrollment in any plan depends on contract renewal. Medicare information source: Medicare.gov. Plan availability, benefits, costs, and eligibility may vary by carrier and location.

Hermann Sons Life hosted a meeting and luncheon with Affordable Health Insurance Agency (AHIA) in August. HSL recently partnered with AHIA as its FMO for Medicare. Discussion included future partnership opportunities and marketing strategies for life insurance and annuity products. Pictured are, from left, President and CEO Robin Czarnek, AHIA Marketing Director Erica Chetwood and Vice President of Sales Teresa Saathoff.

Why Choose an HSL MYGA instead of a Bank CD? Why Choose an HSL MYGA Instead of a Bank CD? If you are looking for a safe, predictable way to grow your retirement savings, a Hermann Sons Life Multi-Year Guaranteed Annuity (MYGA) may offer advantages over a traditional bank or credit union CD. Competitive guaranteed interest rates for either three or five years. Tax-deferred growth, meaning you generally do not pay taxes on the interest until you withdraw the money.

Protection from market fluctuations and your interest is guaranteed for the selected term. Personalized service from an HSL agent who can help you select the option that fits your financial goals. Support from Hermann Sons Life, a trusted not-for-profit insurance company serving families since 1861. Contact your HSL agent today at 210-527-9113 to compare your options and learn whether a MYGA is right from you.

hermannsonslife.org – 5

Agents Directory Analilia Estrada 210-772-0027

David Guerrero Jr. 210-800-6758

Boerne, Bulverde, Helotes

San Antonio

Ana Vasquez, FIC 210-569-4660

Elizabeth Williams 210-860-1283

Boerne, Comfort, San Antonio, Fair Oaks

Adkins, Floresville, La Vernia, San Antonio

Annette D. Roecker 830-832-0724 Seguin

Garrett Czarnek 210-315-8152

Becki Lucas 361-550-9358

Fernando Jimenez 210-789-0573

San Antonio

New Braunfels

Bexar, Comal, Bandera

Brenda Heulitt 830-832-1674

Gary Falkenberg, FICF 713-466-6069

New Braunfels

Britney Cross 281-450-6291

Brenham, Bryan/College Station, Conroe, Deanville, Houston, Rosenberg, Richmond

Gilbert Shelby 214-289-1815

New Braunfels

Chris Naughton 210-365-2009

Dallas

Gladys Rowley, FIC 210-219-6964

San Antonio

Corina Gomez 210-262-3747 San Antonio

Floresville, Jourdanton, San Antonio

Glenford Boehme, FIC 210-219-9792 Castroville

Cynthia Schilling 210-326-4312 Bexar, Comal, Guadalupe

Heather Hart 210-412-4041

Cynthia Sultenfuss, FIC 210-219-6409 Devine

Bandera, Boerne, Bulverde, Comfort, Kerrville, San Antonio, Spring Branch

Dan Boenig 210-705-1815

Lockhart, San Marcos

Janie Flores 210-376-0501 Austin, Houston, San Antonio

Judith Schulmeier, FIC 210-667-1938

Lorraine Anthony 210-617-8165

Robin Sultenfuss 210-854-4443

San Antonio

Devine

Marlin Tanneberger, FIC 210-827-7229

Ronald Wiatrek 210-771-4354

La Vernia

Stockdale, Seguin, La Vernia

Martha Villanueva 830-481-0032

Ronnie L. Schilling 210-393-8857

Bulverde, El Paso, New Braunfels, San Antonio, New Braunfels, Schertz, Odessa, San Antonio, Spring Seguin Adkins, Cibolo/Schertz, Converse, Branch Fayetteville, Marion, Moulton, St. Roxy Pruski Michael Franke Hedwig 210-218-6204 830-444-4877 or Adkins, Converse, La Vernia, Kyle Hartmann 361-290-3577

979-639-1439

Castroville

San Antonio, Seguin

La Grange, Rutersville, Schulenburg

Olen Rangel 210-241-0262

Sandra Jones, FIC 817-781-7155

Laurie Steele 210-414-4755 Castroville, Devine, Hondo, Jourdanton

Lillian M. Galdeano 210-219-6260 Bexar, Comal, Guadalupe

Linda Mattocks 512-736-9988 Fayettville, Giddings, La Grange, Paige, Round Top

San Antonio

Forth Worth

Paula Gebert 361-701-7527

Shelly Solorzano 830-252-1896

Alice, Corpus Christi, Orange Grove

New Braunfels, San Antonio

Rachel Pelzel 210-422-5855

Shirley Kuhen Faske 512-789-3975

San Antonio, Helotes, Boerne, Bulverde

Reagan Haby Rogiers 210-695-5588 Castroville, Helotes

Rayna Sue Irwin 210-710-7038

Austin, Niederwald, San Marcos

Stephen Bonahoom 210-695-5588 Castroville, Hondo

Susan Shimp 210-721-2116

Helotes, San Antonio, Leon Springs

Comal, Guadalupe, Bexar

Jacqulynn Herrmann 210-275-0429

Lorene Bielke, FIC 830-420-2380 or 830-305-6900 (cell)

Wayne Tiffin 361-564-8144

Castroville, Hondo

Richard DeLeon 210-833-8514

Marion

San Antonio

Jacqulynn Hermman 210-275-0429

Judith Schulmeier, FIC 210-667-1938

Kyle Hartmann 979-639-1439

Converse

Becki Lucas 361-550-9358

Janice Kuhen 512-393-1431

Cuero

«Denotes a top-selling agent

Martha Villanueva 830-481-0032

Sales Department: 210-527-9113 • 877-437-6266 6 – Hermann Sons Life – October 2026

Camp News

HSL welcomes new executive camp director

HSL Youth Foundation Inc. is pleased to welcome Steve Townley as the new Executive Camp Director of HSL Camp, bringing with him more than four decades of experience working with children, youth, families, educators, and summer camp programs. For Steve, coming to HSL Camp continues a journey that began at summer camp more than 40 years ago. Steve began his camp career in 1985 at Camp Langston in Mt. Pleasant, Texas. Over the next 20 years, he served in nearly every aspect of camp life, including as a cabin counselor, lifeguard, assistant director, and co-director. Those years gave him the opportunity to grow up in camp leadership while learning firsthand the lasting influence that a strong summer camp experience can have on a young person. In 2005, Steve became director of Frontier Lodge Summer Camp in St. Hermenegilde, Quebec, Canada. He served there until 2016,

Steve Townley Executive Camp Director leading a residential summer camp program that welcomed children and young people from both Canada and the United States. In 2016, Steve returned to Camp Langston

and served as its director through the camp’s final season in 2020. Returning to the place where his own camp career began brought that part of his journey full circle. Alongside his work in camping, Steve has spent much of his professional life in education. He has served as a classroom teacher, instructional leader, and school district administrator. Most recently, from 2016 through 2026, he served with Trinity Basin Preparatory, a Texas public charter school district, where his work took him from the classroom to district-level leadership supporting teachers and schools. Steve holds a doctoral degree in education. His professional work in education and his years in camping have shared a common purpose: helping create places where young people can learn, grow, build confidence, develop relationships, and discover what they are capable of becoming. “I started working at camp when I was a

teenager, long before I ever imagined it would become such a big part of my life,” Steve said. “My career eventually took me into education, but I never really lost my connection to camping. The opportunity to come back to camp at this point in my career was pretty hard to pass up.” As he begins his work with Hermann Sons Life, Steve is looking forward to learning the traditions and stories that have made HSL Camp meaningful to generations of members and campers. In the months ahead, he hopes to spend time visiting with members and lodges, meeting former campers and staff, and listening to the stories that make up the history of camp. “I am excited to become part of the Hermann Sons Life family and to learn from the people who know and love this camp,” Steve said. “There is a tremendous history here, and I look forward to listening, learning, and becoming part of its next chapter.”

I want to hear your story! By STEVE TOWNLEY Executive Camp Director As I begin my time as Executive Camp Director for the HSL Youth Foundation Inc., I know there is a great deal for me to learn. I need to learn the property, the programs, the traditions and all of the things that make Camp at Hilltop work. Just as important, I want to learn about the people who have made camp part of their lives. Hermann Sons Life Camp has been around for generations. That means there are thousands of stories out there. Stories from former campers who still remember their first summer away from home. Stories from parents who watched their children leave for camp a little nervous and come home a little more independent. Stories from counselors who discovered that they could lead. Stories from grandparents who now watch another generation of their family head off to camp. Those are the stories I want to hear.

Over the coming months, I hope to spend time visiting Hermann Sons Life lodges and meeting members across the state. I want to hear about your connection to camp. Maybe you attended Hilltop yourself. Maybe your children or grandchildren did. Maybe you worked at camp, volunteered, helped send children to camp or simply have memories of what camp has meant to your lodge and your family. I am especially interested in the traditions and experiences that have stayed with you. What do you remember most? What made camp special? What is something about Hermann Sons Life Camp that you hope never changes? And as we look toward the future, what do you hope the next generation of campers will experience? I come to HSL Camp with many years of experience in camping and education, and I certainly have ideas. But I also know that you don’t begin leading a place with this much history by assuming you already know everything about it.

You start by listening. So, during my first year, I plan to do a lot of that. When I visit your lodge, I hope you will introduce yourself and tell me your camp story. Bring me the old photograph. Tell me about the counselor you still remember. Tell me about the summer when something happened that your family still talks about. Tell me about the tradition you think every new camper should experience. And if you haven’t had a connection to camp yet, I want to hear from you too. I want to know what would make Hilltop meaningful to your family and what might encourage the next generation of Hermann Sons Life members to make camp part of their story. I suspect that by listening to enough of these stories, I will learn far more about Hermann Sons Life Camp than I ever could from a handbook or a file cabinet. I look forward to meeting you, visiting your lodges and, most of all, hearing your camp story.

Do you have a camp story to share?

Share your story with Steve! camped@hermannsonslife.org hermannsonslife.org – 7

70-year pioneer reminisces on her HSL roots

Sara Modesset Conrad

Pioneer member Sara Modesset Conrad, a member of Hondo Victory Lodge and resident of South Carolina, recently received her 70-year membership pin. She shared her Hermann Sons Life story with us: “I am honored to receive my 70-year membership pin and to carry forward my family’s deep Hermann Sons roots. My greatgreat grandfather, Ernest Dietz-

mann, was a devoted member of Harmonia Lodge, serving as vice president and president from 1889 to 1898 and later as Grand Secretary in 1907. His name is proudly etched on the cornerstone of the San Antonio Home Association Hermann Sons building on St. Mary’s Street. “My own journey began in Hondo at Hondo Victory Lodge and at Hermann Sons Camp where I

was a camper and later a counselor in 1965 and 1966. Over the years, our family – grandparents, parents, uncles, aunts, brothers, sisters, cousins – and many friends from my hometown of Hondo found a second home in the lodges and at the summer camp. It was at camp that I met my husband, John, when we served together as counselors. Though I now make my home in

South Carolina, and have lived there for many years, the bonds to Hermann Sons remain strong. “Hermann Sons has shaped our lives across generations. I am grateful for the memories, friendships, and values it has given us, and I am proud to continue this tradition.” Share your story! Email: elaines@hermannsonslife.org or call 210-226-9261, ext. 279.

Vasquez retires from Home Office Hermann Sons Life Compliance Director Ana Vasquez retired from the Home Office after 19 years in September. A retirement luncheon was held in her honor on Friday, Sept. 18. Ana started her employment in the Sales Department in September 2007. Her responsibilities included making sure our company, our agents and our employees remained compliant with all laws that apply to life insurance companies. She also handled all state filings for approval of contracts, forms, continuing education classes for agents and numerous miscellaneous filings. Ana calculated agent commissions, agent productivity, answered member inquiries regarding statements and legacy products, assisted with retention, product development and assisted the Vice President of Sales with numerous special projects. A resident of San Antonio, Ana holds a Bachelor of Science Degree in Business Administration and numerous life insurance certifications. She has been a Hermann Sons Life member since 2007. She is currently a member of Boerne Lodge along with

several of her family members. Previously she belonged to Siemering Lodge and held the officer positions of vice president and president. In retirement, Ana plans to continue as a sales agent for HSL. “I enjoy answering member questions, especially when they don’t understand the product they have purchased. Life insurance can be complicated, so I try to explain very clearly how their product works,” Ana said. “I very much enjoy being part of the Sales Team.” “I enjoyed the variety of job duties I was responsible for and mostly I enjoyed working with the Sales team. Even though our team is so critical to the success of Hermann Sons Life, we still made time to have fun in between all of the seriousness!” Outside of work, Ana’s interests include home decoration, landscaping, hiking at Freidrich Wilderness Park and watching tennis and college football. “On the weekends, you can usually find me in Boerne visiting my family or attending St. Peter’s Catholic Church”.

Steigers promote HSL Youth Foundation

Twin Sisters Lodge members Karen and Stan Steiger recently vacationed at Myrtle Beach, S.C. and made it a point to promote the HSL Youth Foundation Inc. by wearing their Youth Foundation t-shirts! The t-shirts feature the winning artwork created by member Sir Johnson in the 2026 Fiesta medal design contest. Contact the Home Office to purchase. If you’re out and about sporting Hermann Sons Life merchandise, be sure to share your photos with us!

8 – Hermann Sons Life – October 2026

Hermann Sons Life Compliance Director Ana Vasquez, right, is pictured with Vice President of Sales Teresa Saathoff during a retirement luncheon held at the Home Office on Sept. 18. Ana began working in the Sales Department in 2007, 19 years ago. She is a member of Boerne Lodge.

Employee Spotlight

Fontenot teaches in Karnes City, Stockdale Andrea Fontenot is the dance instructor for the HSL Karnes City and Stockdale schools of dance. Andrea has been dancing since the age of 5 and has been teaching for five decades. Her first teaching job was for the HSL Boerne School of Dance in 1975. Throughout her career with Hermann Sons Life, she has taught in Hondo, Comfort, Bulverde, Boerne and Jourdanton. In addition, she was an instructor at St. Mary’s Hall, Connally’s Dance Workshop and the San Antonio School for Performing Arts.

In 2012, Andrea opened her own dance studio, Studio La Vida in La Vernia. She sold the studio in 2023 to one of her colleagues and currently teaches there as well, now called MK Dance Academy. In 1982-1983, she was lead dancer for the San Antonio Spurs Quicksilver dance team. In 1991 and 1992, she was the director/choreographer for the San Antonio Rodeo dancers. “I have lived in Floresville for more than five years. I have two grown sons who live in San Antonio, and I try to spend as much

Andrea Fontenot time with them as possible. I love to travel and really enjoy cooking. I am an avid sports fan, especially college football,” Andrea said. “I love dance and want to continue dancing as long as God allows.”

Health Notes Breast cancer screening important for preventitive health care

Preventive health care emphasizes healthy lifestyle choices like eating a nutritious, well-balanced diet and avoiding a sedentary lifestyle. Screening for various diseases, including cancer, is another important component of preventive health care that encourages individuals to be proactive in relation to their overall health. Women may hear about breast cancer screening as early as adolescence. Despite that, it’s not uncommon for women of all ages to have questions about breast cancer screening. When should breast cancer screening begin? This is not a one-size-fits-all answer. The American Cancer Society advises women at average breast cancer risk to begin screening between the ages of 40 and 44. Women are considered at average risk if they have no personal history or strong family history of breast cancer. Women also are considered at average risk if they do not have gene mutations linked to breast cancer or a history of chest radiation therapy prior to age 30. While the ACS notes women at average risk have the option to begin screening prior to age 44, the organization advises women to schedule annual mammograms

beginning at age 45 and to continue getting them through age 54. If screenings do not show anything by age 54, women can then choose to get a mammogram every other year beginning at age 55. What if I am at elevated risk for breast cancer? Women who do not meet the criteria for average risk due to personal or family history will need to begin screening much earlier. The ACS recommends women at high risk for breast cancer get a breast MRI and a mammogram every year beginning at age 30. But the ACS also advises women to make this decision after careful discussion with their health care team. It’s also notable that the ACS indicates an MRI should never be substituted for a mammogram, as it’s possible an MRI will miss

cancers a mammogram will find. What is a 3D mammogram? 3D mammography is a relatively new screening option that has piqued many women’s curiosity in recent years. Brown University Health reports that a 3D mammogram rotates in an arc and takes X-rays of the breast at different angles, ultimately producing a more detailed view of the breast for radiologists to examine. By contrast, a 2D mammogram takes single X-rays at two different angles. But the ACS notes many breast imaging centers do not have 3D mammography. If given the choice between a 2D mammogram or none at all, women should always get the 2D mammogram. If 3D imaging is available, then that might be the way to go, as Brown University Health notes 3D mammography tends to detect more cancers and produce fewer false positives. Are mammograms foolproof? While mammograms are highly effective at detecting breast cancer, they are not perfect. The O’Neal Cancer Center notes that dense breast tissue can make breast cancer detection more difficult. Because no screening is perfect, it’s imperative that women adhere to screening guidelines even if results are consistently negative and they do not feel anything unusual during self-examinations. Screening for cancer is an integral component of preventive health care. Women are urged to make breast cancer screening part of their preventive health care routine.

Self-exam can lead to early detection There are various ways to detect breast cancer in the earliest stages of the disease. Self-exams are one way to be mindful of potential changes in the breasts and bring them to the attention of medical professionals. While self-exams can help individuals learn how their bodies normally look and feel, major medical organizations like the American Cancer Society no longer recommend doing formal, regimented monthly self-exams. Instead, there is a greater push toward breast self-awareness. According to BreastCancer.org, regular step-bystep self-exams do not decrease breast cancer mortality rates. In some instances, they can cause unnecessary anxiety and lead to biopsies after the discovery of benign lumps. But it can still be helpful to learn how

to conduct a self-exam and incorporate it into a preventive health care routine. Here’s how to conduct an exam, courtesy of BreastCancer.org. 1. Examine your breasts in the mirror with hands on hips. Look for breasts that are evenly shaped without visible distortion or swelling. Also look to ensure that the breasts are their usual size, shape and color. 2. Now raise your arms and look for the same things. 3. Look for signs of fluid coming out of one or both nipples. 4. Lie down, and use your right hand to feel your left breast. Then switch to use your left hand to feel your right breast. Use a firm, smooth touch with the first few finger pads of your hand. Press down with your fingers and move them in a circular motion that’s about the size of an inch around. Go around each breast from top to bottom, side to side. Be sure to follow a pattern to be sure to

cover the entire breast from collarbone to the top of the abdomen, and from your armpit to your cleavage. 5. Feel your breasts while you are standing or sitting. Many people find that the easiest way to self-examine their breasts is in the shower when the skin is slippery. Conduct the same hand movements as in step 4. While many lumps are benign, women should not hesitate to call the doctor to check out a new lump or breast change that concerns them. Getting to know one’s breasts through selfexam can lead to early detection of breast cancer at a point in time when the disease is most treatable.

hermannsonslife.org – 9

Howie’s Happenings

Visits, walking trail keep Howie, Beau entertained By ROBIN CZARNEK President and CEO Howie and Beau had a great month of visits and fun. They were able to have multiple visits with their buddies Krypto and Oakley and another adventure with their friends at Creek View Vet while we attended a conference. Seeing their reaction when they go stay there gives me such peace of mind as they are so happy and excited to go see their friends. Howie has found a new way to snack. We have a bird feeder and the birds not only leave the sunflower shells, but they are also a bit picky and drop what they don’t want on the ground. Howie has decided these snacks work for him, and he waits for the bird visits now so he can grab the leftover bounty. While Beau likes his fair share of snacks, he’s left those for Howie. He finds more enjoyment in chattering with the birds making sure they know he and Howie are the kings of the castle. Aside from their usual adventures going for car rides to get their favorite hamburger patties and pup cups, the boys had a big adventure on a nature trail walk. While we

If Dad is in the kitchen, Howie and Beau are never far behind to see if they’ll get something special!

Stormy was rescued from a storm drain with his sibling. His sibling has been adopted and Stormy is waiting his turn for a forever home. He is very playful and loves snuggles.

have walked the trail many times with them, this time was a bit different. They had so many unexpected guests that they were beside themselves with excitement. They saw deer, multiple squirrels and even a few lizards. The trail has rarely been that alive with so many critters and it made for an extra special time for the boys as they were taking it all in. We were holding on for dear life as they got a little wild due to their excitement, so I wasn’t able to capture

any pictures. Howie and Beau would like you to meet their new friend, Stormy. This sweet boy was rescued out of a storm drain during a storm. Mom ran off but he stayed still with his sibling. A rescuer took them in for the night and tried to find owners, but no one came forward. They were hungry and tired, but other than that seemed in good health. Stormy is very playful, curious, loves other dogs and loves his snuggle time too.

Howie takes his turn at some ice cream while Oakley has to patiently wait his turn. He loves toys, is food motivated and listens well. His sibling was adopted, so he is really ready to find his forever home. If you’re interested in meeting Stormy or any of the amazing other pups at HOTK9, please email: hotk9rescue@yahoo.com to schedule a visit.HOTK9 is a 501(c) (3) no-kill canine shelter dedicated

to helping pups in need find loving homes, as well as any treatments they may need. For more information or to view the amazing dogs available for adoption, visit heartoftexasspca.com or find Heart of Texas SPCA/HOTK9 Rescue on Facebook. You can find ways to donate and help on their website and Facebook page.

Keep pets safe this Halloween Halloween is an annual celebration that many children and adults look forward to each October. From the mysterious and the macabre to the goofy and gregarious, Halloween speaks to people in many different ways. And with the opportunity to accumulate several pounds of sugary treasure after a few hours of trick-or-treating, is it any wonder celebrants love Halloween? While Halloween hijinks may be ideal fun for plenty of ghosts and ghouls, companion animals may not be so enthusiastic come October 31. In fact, Halloween can be a source of stress and even dangerous for many pets. Here are some things pet parents should keep in mind prior to Halloween. Costumes Pet costumes are popular and

can help owners and their pets coordinate for Halloween. Some pets may find costumes uncomfortable or frightening. For those with a mind toward creative costume coordination, introducing

10 – Hermann Sons Life – October 2026

the costume to the pet slowly and gradually can help ease the transition. Allow the pet to sniff the costume and put treats nearby to indicate it is no threat. If the pet simply will not warm to the idea

of a costume, it’s best not to force the issue. Glow sticks Glow sticks are a safe way for children to enjoy some spooky fun on Halloween night and become more visible when the sun sets. But those glow sticks may be attractive to pets and they can bite them, ingesting the liquid. The ASPCA Animal Poison Control Center says typically pets experience a mild and self-limiting taste reaction to glow stick liquid. Wiping off the excess with a damp cloth to help prevent the pet from licking again and having another reaction can help. Accessibility to candy One of the biggest Halloween dangers for pets is the accessibility of candy, especially chocolate. Chocolate is toxic and particular-

ly dangerous to dogs. Chocolate with high amounts of cacao is especially dangerous. Raisins and gum with the artificial sweetener xylitol also are problematic. Candy wrappers can get stuck in the intestinal tract and cause a life-threatening blockage. Lock candy away so pets can’t get into it. Nerves Many youngsters will ring the doorbell on Halloween. Anxious pets, and even those that normally aren’t nervous with visitors, may be overwhelmed. Keep pets in a dark, calm room away from the door to reduce anxiety and make it less likely skittish pets will escape the home and get lost. Understanding common Halloween dangers can help keep pets safe on this fun-filled holiday.

Kitchen Korner

Caramel Apple Dump Cake Apple, Bacon & Cheddar Stuffed Pork Chops 4 boneless pork chops, thick-cut 1 large apple, finely diced 4 slices bacon, cooked and crumbled 1/2 cup shredded sharp cheddar cheese 1/4 cup diced onion 1 tbsp. butter 1 tsp. dried sage Salt & pepper 1 tbsp. olive oil

Preheat oven to 375°F. Cut a pocket into the side of each pork chop. Sauté onion and diced apple in butter until slightly softened. Stir in bacon, cheddar, and sage. Stuff each pork chop with the apple mixture and secure with toothpicks. Season with salt and pepper. Sear pork chops in olive oil for 2–3 minutes per side. Transfer to a baking dish and bake for 15–20 minutes, or until cooked through.

2 cans apple pie filling 1 box yellow cake mix 1 cup butter, melted 1 tsp. cinnamon 1/2 cup caramel sauce Optional: chopped pecans Preheat oven to 350°F. Spread apple pie filling in a greased 9x13-inch baking dish. Sprinkle cinnamon over the apples. Evenly sprinkle dry cake mix over the top. Pour melted butter evenly over the cake mix. Drizzle with caramel sauce and sprinkle with pecans if desired. Bake 40–45 minutes, until golden and bubbly. Serve warm with vanilla ice cream and an extra drizzle of caramel. Everyone is invited to submit their favorite recipes! Email to hannahrg@hermannsonslife.org

Mummy Pigs in a Blanket 8 hot dogs, cut in half 1 pkg crescent roll dough 32 Candy eyes Directions Preheat your oven to 375 degrees Fahrenheit. Open the package of crescent roll dough, then roll out the dough, using your fingers to press the seams together. Use a knife to cut long strips lengthwise, about 1/4” wide. Wrap the dough around the hot dog half, leaving space for the eyes. Place on an ungreased, unlined baking sheet and bake for about 15 minutes or until the dough turns golden brown. When the Mummy Pigs in a Blanket are done, remove them from the oven. Tuck the candy eyes into the mummies. It’s easiest if you can tuck the edge underneath the crescent roll dough. If you can’t, add a dollop of ketchup onto the back of the eyes, and place them on the hot dogs. Serve and enjoy!

hermannsonslife.org – 11

Hazards that can compromise senior safety at home Homes are supposed to be sanctuaries where people can be comfortable and live independently. However, houses that are completely suitable for younger populations often harbor hidden threats that can compromise senior safety. At Heart Home Care notes aging in place remains a top priority for more than 90 percent of older Americans, but only 10 percent of modern homes feature the necessary modifications to safely support aging residents. Falls pose a significant threat to seniors. Data from the Centers for Disease Control and Prevention indicates falls are the leading cause of both fatal and non-fatal injuries

among adults age 65 and older. More than 14 million seniors experience a fall each year. The Hospital for Special Surgery notes that around 60 percent of these incidents happen right in the home. Knowledge of the potential hazards lurking at home may help seniors identify the areas where they need to be especially cautious. Bathroom surfaces Bathrooms are notorious for posing an injury risk because of slippery surfaces. Wet tile and pooled water can be a recipe for hazardous conditions. These conditions are made even worse in spaces that are not equipped with non-skid mats or anchored grab bars.

Lighting Inadequate lighting can be a hazard to seniors, many of whom experience diminished vision. Dimly lit staircases, bedrooms and dark hallways can impair spatial awareness. Without enough light, navigating the changes in flooring or obstacles can become a challenge. Tripping hazards Many things can cause seniors to trip and fall. Loose area rugs, exposed electrical cords, cluttered hallways, and too much furniture can make it difficult to safely navigate a space. Cooking hazards The National Council on Aging says adults

Emergency plan helps keep seniors prepared One never knows when an emergency might strike, whether it’s a natural disaster, home fire or flood, or the need to leave home quickly to visit a sick relative. Older adults may be facing health issues that are not necessarily affecting younger adults, and that reality makes it wise for seniors to emphasize emergency preparedness. A personalized plan can keep older adults safe during emergency situations. Set up a support network Seniors should reach out to at least two people, whether it’s friends, neighbors or relatives who live nearby, and ask them to serve as contacts when emergencies strike. These individuals can check in on seniors, provide assistance with evacuation, if necessary, and hold spare keys. The support network also can be involved in coming up with an emergency plan regarding what to do if there is an emergency at home. A member of a support network can serve as a liaison between a local adult recreation center or home-based care providers, if the senior participates in such services. Plan for power loss Electricity fuels daily life, but power outages are becoming more common as the effects of climate change impact daily life. It’s important for seniors who rely on power-dependent medical devices like stair lifts, motorized beds, motorized wheelchairs, and CPAP machines to figure out a backup power plan, says the American Red Cross. This may include installing a home house generator or having back-up batteries that are routinely charged.

12 – Hermann Sons Life – October 2026

Build a supply kit A supply kit or a grabbable “go bag” will be filled with all the necessities. Some seniors take five or more daily medications, so it’s important to maintain at least a 30day supply of all prescriptions and keep copies of the prescriptions in case medication needs to be filled at a different pharmacy. The American Red Cross also advises keeping extra batteries for hearing aids or mobility devices, a written list of pertinent health information, and ample water and non-perishable food for each person on hand. Organize documents The American Association for Geriatric Psychiatry suggests maintaining critical documents in a secure, dry and easily accessible waterproof container. These documents should include personal identification and health insurance cards, prescriptions, cash, and documentation for medical devices. Having a plan in place should an emergency strike can help seniors stay safe.

over 65 are 3.5 times more likely to die in residential fires than the general population. Cooking accidents and loose clothing or items catching fire near stovetops are a fire hazard. Seniors also may feel the cold more, and rely on space heaters or other less safe heating units to stay warm, which in turn increases the risk of a fire at home. Many experts recommend a safety overhaul to secure a home for aging residents. Clearing all floor obstructions, securing loose carpets, installing bright lights, and anchoring heavy furniture are some steps that can be taken to keep a home a haven for older adults rather than a hazard.

Did you know? Many older adults turning to pickleball for exercise

The benefits of exercise for seniors are innumerable. In order to get the physical activity they need, many older adults are turning to pickleball. Pickleball combines elements of tennis, wiffle ball and ping-pong into an activity that is drawing new enthusiasts every day. Fans often say that pickleball is the most fun racket sport they have played. With a smaller court than tennis and a lighter ball, pickleball is ideal for seniors who

won’t have to worry about the sport being too high-intensity. The Medical University of South Carolina says pickleball is the fastest-growing sport today, particularly among seniors. The 2023 Sports & Fitness Industry Association Report on Pickleball says pickleball has attracted 8.9 million U.S. players of all ages and fitness levels. The SFIA report notes that the 65+ age group accounts for the second highest number of participants.

Tips to protect your personal financial information Identity theft is a very real threat in the digital age. While it once was complicated for criminals to collect personal data, such as identification numbers, emails, phone numbers, and more, the connectivity the internet offers can sometimes make stealing information as easy as clicking a button. In 2024, the Federal Trade Commission fielded more than 1.1 million reports of identity theft. Credit card fraud was the most common crime. Also, 2024 saw the largest data breaches in history, impacting billions of users and subjecting customers to the potential of having personal data exposed and ultimately exploited. Although there is no foolproof way to keep personal and financial data safe, people can take several steps to safeguard their information • Use strong, unique passwords. Have

several different and complex passwords for each online account to prevent a compromised password from providing access to all of the accounts. People can use a password manager to help create and store these unique passwords. The U.S. Cybersecurity & Infrastructure Security Agency says that strong passwords should be at least 16 characters; feature a random string of mixed-case letters, numbers and symbols; or comprised of a memorable phrase of four to seven unrelated words, known as a passphrase. • Use two-factor authentication. Enable two-factor authentication (2FA) on all accounts to add an extra layer of security. This second form of verification often comes by the way of a texted or emailed code that must be entered to log into an account. • Consider extra security for your credit

report. Individuals can contact the three major credit bureaus and bolster their credit-related security. A fraud alert tells businesses to check with the person before opening a new account to verify if it is really him or her. An initial fraud alert or active-duty fraud alert expires in a year, while an extended fraud alert lasts seven years, but requires an FTC identity theft report. A credit freeze is a greater measure of security that keeps others from getting into the credit report at all (with a fraud alert the credit report can still be accessed). That means no one can open a new credit account while the freeze is in place. It must be lifted each time a person wants to open a new account. • Protect your identification numbers. Individuals should not carry a Social Security card in a wallet or give out their Social Security Number (Social Insurance Number in

Canada) unnecessarily. • Exercise caution on the phone and when answering emails. Scammers can mislead others by using seemingly legitimate phone numbers or email addresses to solicit information. Always verify the validity of requests before sharing personal information. .• Regularly check accounts. People should double-check all financial accounts periodically for suspicious transactions. Each year individuals can request and check a free credit report from Experian, TransUnion and Equifax. • Use a secured internet connection. To reduce the risk of data being stolen, only review financial information when utilizing a secured (password locked) internet network. Taking strides to protect personal data is important to safeguard one’s financial security.

Make your home more secure A home should be a place of comfort and security. But homes can be targeted by thieves who are eager to make off with people’s hard-earned possessions. Securing a home isn’t about making it an impenetrable fortress; it involves layers of deterrence that compel burglars to move on to an easier opportunity. ADT says the average thief takes less than 12 minutes to burglarize a home, and most thieves can use screwdrivers, pliers, and hammers to enter a property. By addressing the vulnerabilities of a home and making some changes, homeowners can beef up security in no time. • Upgrade locks. The majority of burglars enter a home through front or back doors. Strengthening these access points is one of the most effective upgrades homeowners

can make. Most security experts suggest installing an ANSI Grade 1 or Grade 2 deadbolt with a minimum one-inch throw bolt, as standard spring-latch locks are easy to bypass. Also, a heavy-duty lock is ineffective if the surrounding door frame is weak. Replacing short screws on door plate strikes with 3-inch hardened steel screws that drive into the wall’s underlying studs is much more secure. • Mind sliding doors. Glass sliding patio doors let lots of light in and offer easy access to decks and yards. Yet, they are notoriously easy to force open, according to Boss Security Screens. This can be remedied by placing an adjustable security bar or a heavy wooden dowel in the interior track. Adding

shatter-resistant security film to glass panes also beefs up security. • Stop blind spots. Thieves prefer to work in the dark or out of sight of the street and neighbors. Strategic lighting and landscape management will remove blind spots. Homeowners can trim shrubs and bushes below window height and cut tree branches so that the home is not concealed. Motion-activated floodlights positioned eight to 10 feet off the ground can light up driveways and pathways. LED or solar-powered landscape lighting will brighten up dark perimeter corners. • Use home security technology. Modern smart home devices can serve as deterrents to burglars. Exterior cameras and video doorbells will capture clear facial features and let thieves know they are being watched.

Smart plugs or bulbs can be programmed to turn on and off at various times to simulate an active household. Also, wireless contact sensors installed on ground-floor windows and secondary entry doors will send instant smartphone alerts if an entry point opens. • Lock up. One of the best ways to make a home more secure is to be mindful of locking up each time when leaving the house. It seems simple, but homeowners should always lock doors and windows, as well as the garage, even when stepping out for a short errand. Never leave an automatic garage door remote exposed in a car parked outside, either. Making a home more secure takes a little effort, but it will be paid back with an added sense of security and comfort.

hermannsonslife.org – 13

Device free activities families can enjoy Family time is an umbrella term that can encompass a range of activities, but it generally involves parents and children spending quality time together away from the hustle and bustle of everyday life. Finding distraction-free family time has always been challenging, but it might be even more so in the modern world, where a device with internet access is seemingly always within reach. A January 2024 report from Parks Associates indicated the average United States household with internet access had 17 connected devices in 2023. Though such devices have become integral parts of the daily lives of billions of people across the globe, tablets, smartphones, smart watches, and other items

can make it hard for families to enjoy distraction-free time together. With that in mind, families can consider the following device-free ways to enjoy one another’s company. • Designate a night each week for board games. Classic board games like Monopoly, Scrabble and many more don’t require an internet connection, making a family board game night an ideal way to disconnect and spend time together. Even if the competition gets heated, there’s still plenty of time for families to catch up and discuss what’s going on in their lives, an important benefit that’s not always so easy when devices are commanding everyone’s attention. • Get out in nature. Routine afternoons

spent in Mother Nature is another great way for families to disconnect and spend time together. Whether it’s an afternoon spent sunbathing at a local beach or a family hike through a nearby park, the great outdoors provides a wonderful excuse to put down the devices and reconnect in a beautiful, natural setting. • Get in touch with your collective creative side. Families with a knack for producing their own creations can host periodic family craft nights as a fun and productive way to spend time together away from their devices. Tie seasonal celebrations like Halloween and the holiday season into craft-making sessions. Let a different person choose a craft before each

session, or make it a contest to determine who can make the biggest, funniest or most complex decoration. • Cook together as a family. Dinner can be an unenviable chore in busy families, but parents can designate one night each week when the family cooks together. Sunday night cooking sessions might make the best sense, as kids’ schedules are more likely to be free on Sunday than any other day during the week. That makes Sunday afternoon and early evening a great time to catch up on the previous week and spend time together without devices. Families looking to spend time together away from their devices can do so in any number of ways.

A beginner’s guide to wreath-making Wreaths are popular decorative items that can be customized for any season or occasion. Wreaths are particularly popular during the Thanksgiving and Christmas seasons, especially when adorned with evergreen boughs and berries. Learning how to make a wreath can be a handy skill. Those new to wreath-making need not worry, as it’s relatively easy to learn the technique. Here are the basics to crafting a wreath, which can then be adorned as desired. Materials needed The first step to making a wreath is having the right tools and materials on hand. • Wreath form: This is the frame upon which the materials will be attached. Choose a form diameter that matches the desired size for the center ring of the wreath, as longer flowers or branches can be attached to create a larger finished wreath. A 10-inch wreath form is good for getting started. The form can be made from metal or grapevine. For a foam form, you’ll be poking wire into the form instead of wrapping it around it to secure your greenery and decorations. • Paddle wire: Choose 22- to 24-gauge paddle wire to attach greenery and additional items onto the form. • Clippers and wire cutters • Craft scissors • Foliage, flowers and boughs • Decorative items and accessories • Floral tape • Door hanger Prepare your work station Once you have collected your supplies, it’s time to begin. Place all materials on a protected

14 – Hermann Sons Life – October 2026

surface. Trim foliage into workable sizes that will fit neatly on the frame, and set aside. Build bundles The first step to making a wreath is to make small bouquets or bundles of greenery that look good in small bunches, suggests Homesteading Family. Hold the bundle tightly and use floral tape around the stems to keep each bundle together. Repeat this process until you have several bundles to attach to the wreath form. Start attaching the greenery Begin by laying a bundle onto the form and using a piece of paddle wire to first wrap around the form, and then wrap around the bundle stems to hold in place. Experts suggest pointing the stems inward and arranging the leaves and greenery to point outwards to create a fan shape. Always place the next bundle slightly overlapping and on top of the previous bundle to cover the stems. Repeat this process all around the wreath form until you reach the starting point. Add your embellishments Fill in any sparse areas with some decorations, such as small ornaments, bows, pinecones, ribbons, or plastic gems. Simply wrap a piece of wire around the decoration and attach it to the form as you did the bundles. When adding embellishments, work in odd-numbered groupings, as they look more aesthetically appealing on a circle, say the floral experts at Team Flower. Twist all wire ends tightly to avoid scratching your door or wall when the wreath is ready to hang. Hang the wreath Place the wreath holder on your door or in another spot. Determine what is the top of the wreath and twist two pieces of your paddle wire together to thicken it. Fashion the wire into a loop shape so you will have a “hook” for hanging the wreath onto the holder, which makes it more secure.

Lodge News Lodge Reminders HUMANITARIAN OF THE YEAR The deadline to select the Humanitarian of the Year is Oct. 1. This award honors a volunteer who has given time and talent to your lodge and/or community. All local lodges are asked to select a volunteer (who does not have to be a Hermann Sons Life member) and then recognize this person at a local lodge event. The lodge Christmas party would be an excellent time to do this. Please complete the 2026 Humanitarian of the Year Award form found behind the Forms tab of the Lodge Planner. The report will be reviewed and used to print a certificate with your honoree’s name and your lodge information. For all reports received by Oct. 1, the certificate will be mailed by Oct. 12 so that you get it in time for your presentation. If you have questions, contact a Member Benefits representative at 1-800234-4124, ext. 239, or 210-226-9261, ext. 239. MAKE A DIFFERENCE DAY Make a Difference Day is Oct. 24, 2026. It is a day of celebration; a day of doing good. We encourage you and your lodge to join more than 2 million others across our nation in planning and participating in a volunteer service project that will “make a difference” in your community. Be sure to share your projects and photos with us for the HSL News. Email to elaines@hermannsonslife.org HOME OFFICE REPS The Home Office is always happy to send a representative to lodge holiday parties. Please send a written invitation to the Home Office as soon as possible so assignments can be made accordingly. If pins are to be presented at this event, please submit the Pin Presentation Form found in the Forms section or at hermannsonslife.org/member-benefits/lodges. Invitations can be mailed to: Hermann Sons Life Home Office P.O. Box 1941 San Antonio, Texas 78297-1941 Attn: Member Benefits Or emailed to: lodge@hermannsonslife.org OFFICER ELECTIONS Lodges are required to elect officers for the coming year at a meeting during the last quarter of the year. A description of each elected and appointed officer’s duties can be found in the Lodge Planner. A form titled “2026 List of Officers” can be found in the Forms section or at: hermannsonslife.org/member-benefits/lodges. The form is to be used to report the results of the election to the Home Office. This information will be used to update the computer records at the Home Office. The form should be returned no later than Dec. 14, 2026, or as soon as possible after your election if your election falls after Dec. 14. FINANCIAL REPORTS The Financial Report form for the period of July 1-Sept. 30, 2026, is provided in the Forms section of the Lodge Planner and at: hermannsonslife.org/member-benefits/lodges. It is required that the lodge’s Finance Committee or Financial Trustees audit the books and records of your lodge. The form should then be completed and signed by the president and financial secretary. This form must be returned to the Home Office no later than Oct. 19, 2026. As with any form you send to the Home Office, make a copy for your records. MEETING DETAILS Make sure to send any lodge meeting date, time and location changes to the Home Office so computer records can be updated. Each lodge has a page on the Hermann Sons Life website with lodge meeting information. If changes are not reported, the information cannot be updated. Please review lodge information at hermannsonslife.org/lodges/ If updates are needed, email lodge@hermannsonslife.org

HERMANN SONS LIFE

HARMONIA Oktoberfest THURSDAY, OCTOBER 8, 2026 AT 7PM Hermann Sons Life Members

Harmonia Members

per plate

Sausage • German Potato Salad • Sauerkraut SPLIT THE POT

WE NEED YOUR HELP!

October’s Split-the-Pot will benefit Camp Discovery!

We are asking our Lodge and members to please bring: A side dish, a dessert, and An item for the Silent Auction.

Hermann Sons German Band

Join Hermann Sons Life Harmonia for an evening of German food, friendship, love, loyalty, and charity as we come together to support Camp Discovery!

LET’S EAT, CELEBRATE & GIVE BACK!

Lodge Newspaper Reports Lodges are reminded we want to hear from you! Let’s make sure to invite all members to your gatherings by sharing upcoming meeting and event dates. Required for lodge news reports: • Upcoming meeting date • Meeting time • Meeting location • Photos must be of good quality and resolution (larger file size). If sending from a cell phone, be sure to select largest file size, not smallest, and please identify everyone in the photo.

News reports are due by the 10th of each month. Every effort will be made to submit all reports, but if the deadline has passed and production has begun, it may not be possible. If you need space reserved, let us know by the 10th. It is also important to remember the newspaper schedule runs a month ahead. For example, the deadline for the April paper is March 10. For any questions, please contact Communications Director/Editor Elaine Soto at 210-226-9261, ext. 279 or email: elaines@hermannsonslife.org

If your lodge would like an HSL Medicare Agent to do a presentation at your next lodge meeting, or if your members need help with enrollment or help with their current plan, please encourage them to reach out to the Home Office.

210-527-9113

hermannsonslife.org – 15

Lodge News Da Costa VICTORIA – Da Costa Lodge will meet on Monday, Nov. 9, at 6 p.m. at Da Costa Hall, 15736 FM 1686. The annual summer family social was held Saturday, Aug. 22. HSL Board Director Laura Tiffin and her husband Wayne, an agent, were in attendance. Laura presented membership pins and spoke on the history of HSL. Wayne gave an overview of products offered by HSL. The silent auction held during the social was successful raising $1,600 to go toward next year’s senior scholarships. S&J Catering out of Goliad served up delicious chicken fried steaks and members provided wonderful desserts. A moment of silence was observed for Past President Geraldine Venglar and for her husband, James Venglar, who served in many capacities for the lodge. The Venglars were hall managers for 15 years before their retirement. Their daughter Pam Dornak and granddaughter Cheyenne Quisenberry blessed the lodge with a beautiful picture of Mrs. Venglar to go on the wall of Past Presidents. Officers and members attended their funeral services held just one week apart. A form was provided for members wanting to opt-in to receive the HSL Newspaper by mail to keep up with monthly news from the Home Office and other Lodge news. August birthday celebrants, junior Jillian Martinka, 13, and President and Hall Manager Sayra Elkins were recognized, The lodge continues to hold monthly public dances with great country and western music. The next dance is Oct. 31 with Cactus Country. Come in a Halloween costume or come as you are. The upcoming schedule includes Nov. 14 - Ryan Talley Band; Dec. 19 - Logan Gisler and the Well Diggers; and New Years Eve - Tainted Heart Band. We hope to see you. If you know of any member deaths, births or illness, please call or text Cheer Chairman Pam Elkins at 361-578-5556.

Dede Huffmaster, center, was presented her 75-year membership pin by Da Costa Home Association President Sarah Pribyl, left, and Board Director Laura Tiffin during the August lodge social.

Da Costa Home Association President Sarah Pribyl, left, and Board Director Laura Tiffin presented 60-year membership pins to, from left, Alan Matula and David Matula in August.

Melissa Stastny, center, received her 50-year membership pin from Da Costa Home Association President Sarah Pribyl, left, and Board Director Laura Tiffin at the August social.

Dennis and Dorothy Boehm, center, each were presented 50-year membership pins by Da Costa Home Association President Sarah Pribyl, left, and Board Director Laura Tiffin in August.

Paige PAIGE – Paige Lodge will meet on Sunday, Oct. 11, at 12 noon. Lunch will be provided. For Make a Difference Day, the lodge is presenting member Halle Dube with a $500 scholarship. Halle was accepted for an internship at Cameron Park Zoo in Waco and a trip to Moody Gardens in Galveston. She will be training

Paige Lodge awarded a $500 scholarship to member Halle Dube who was accepted for an internship at Cameron Park Zoo in Waco.

16 – Hermann Sons Life – October 2026

in “Conservation of Animals” and is headed for a possible degree in zoology. She is wished the best in her quest for an education in zoo management. Members enjoyed brisket with sides from Snow’s BBQ and played bingo at the September meeting. There were many winners and everyone had a good time.

Niederwald

Door prize winners at the Niederwald Lodge September meeting were Joe Hennig and Harry Schriber. Members met at the Lockhart Area Senior Activity Center. In memory of 9/11 and POW/MIA, members wore black. The lodge will make donations to two area churches that serve the community, Ebenezer Lutheran Church and First Methodist Lockhart. The next meeting will be held at the Lockhart Area Senior Activity Center at 11 a.m. on Tuesday, Oct. 6.

Lodge News Brenham BRENHAM – Brenham Lodge will meet on Friday, Oct. 9, at the lodge hall, 304 E. Germania. Doors open at 5 p.m., the meal is at 6:15 p.m. and the meeting begins at 7:15 p.m. The meal will be beef tips, gravy, mashed potatoes and pinto beans. Members are asked to provide desserts. A September meeting was not held due to the county fair being on the same weekend. A sit-down meal will be held on Friday, Oct. 30, at the lodge hall.

The meal is chicken fried steak with sides. Tickets are $ 15 each. Members and non-members are invited. Tickets will be sold in advance. Contact Karl Goessler at 979-551-6517 for tickets. At the August meeting, Gary Winkelmann was welcomed as a new member by transfer. Jack Schramm and Jeri Bentke won door prizes. Birthday celebrants were Linda Bentke, Florence Bentke, Pamela Ruemke and Wesley Fehrle.

Agent Gary Falkenberg reported on the Multi-Year Guaranteed Annuity (MYGA) interest rates and the importance of a life insurance review. Marriages, divorce and deaths can cause the need to update beneficiaries. A review can check that beneficiaries are correct and if more life insurance is needed for family protection. The lodge hall is available for event rentals. For more information, visit the lodge’s website page at hermannsonslife.org. Click Member Benefits and then Lodges.

Celebrating August birthdays at Brenham Lodge were, from left, Linda Bentke, Florence Bentke, Pamela Ruemke and Wesley Fehrle.

La Vernia Lodge held pin presentations at the August meeting. Vice President of Operations and COO Samantha Schulmeier Kelley, from left, presented pins to Douglas Young, 70 years; Marjorie Gerulatt-Quiroz, 50 years; Melanie Wehmeyer, 70 years; and Ralph Coldeway, 70 years.

Vice President of Operations and COO Samantha Schulmeier Kelley, left, also presented an 80-year membership pin to La Vernia Lodge member Shirley Puhlmann during the August meeting.

La Vernia

McGregor

Pictured are four generations of La Vernia Lodge members. They are, from left, Lynette Gray, a member for more than 50 years, Joyce Best, a 74-year member; Kimberlyn McFall, a member for almost 30 years and five-monthold Riley McFall, a new member of La Vernia Lodge.

McGREGOR – McGregor Lodge will meet Tuesday, Oct. 6, at 5 p.m. at Luigi’s Restaurant. The meeting on Nov. 3 will be held at the Olive Garden at 5 p.m. and on Dec. 1 at the Saltgrass Steakhouse at 5 p.m. Contact Doris Mooney for reservations. Members enjoyed their meeting and visiting in September at George’s in Hewitt. Congratulations to Helen Lori Miller Moritz who has received her 60-year membership pin. She has been a member since, Sept. 14, 1966. Happy birthday wishes were extended to September celebrant Teresa Sneed and to all friends and members celebrating birthdays. They are wished many more. The lucky door prize winners were Regenia Arseneaux, Diane Weinstrom and Doris Mooney. Wishing everyone a nice end of year and that you stay healthy. Hope to see you at our meetings.

McGregor Lodge President Doris Mooney, left, presented a 60-year membership pin to Jerrilyn Poteet at the September meeting. Jerrilyn has been a member since Aug. 12, 1966.

hermannsonslife.org – 17

Lodge News

Vineta celebrates 125 years SAN ANTONIO – Vineta celebrated its 125th Anniversary on Thursday, Sept. 3, at the San Antonio Home Association. The Hermann Sons Quintet entertained guests and members with traditional German dance music. Genny Kraus welcomed everyone to the celebration dinner and gave the welcome toast to start the festivities. Beth Byron led the invocation before the meal that was catered by the Hungry Horse Restaurant. Everyone enjoyed the meal of chicken, mashed potatoes, green beans and delicious muffins. President Debbie Jordan opened the meeting and welcomed everyone. Irene Kace led the pledge of allegiance, and the band led the singing of the national anthem. Corresponding Secretary Carol Bielke led the introduction of distinguished members and guests. Vice President of Operations and COO Samantha Schulmeier Kelley recognized pioneer members and presented the lodge with a wooden plaque commemorating the 125th anniversary. The lodge officers accepted the plaque and were honored to display it on the memory table for all to view. The lodge plans to display it proudly in its office to commemorate this monumental occasion. Vice President Emily Roberts presented pioneer members in attendance with a token of our appreciation. Debbie shared memories of Vineta with the guests. She then asked guests to share their memo-

ries. Everyone enjoyed hearing all the stories and sharing good times with everyone. Carol and Ashlee Belew recognized the living past presidents of the lodge. Debbie Jordan and Emily Roberts were in attendance as past presidents and were honored for their dedication and service to Vineta Lodge. Frances Sultenfuss and Annette Unger were also honored as past presidents and were missed as they were unable to attend. Carol read a card that Frances Sultenfuss sent wishing the lodge another 125 years and shared fond memories. The lodge also acknowledged deceased members and officers and sent a sentiment of appreciation and gratitude for their service and dedication to the lodge. The most senior member of the lodge was honored. Mary Ann Pintaric, former lodge trustee, is turning 105 on Sept. 22. Irene closed out the festivities by drawing the split-the-pot winner. The winner donated the proceeds to the St. PJ’s Children’s Home for school supplies. Door prizes included Hermann Sons Life swag and the centerpieces decorated on the tables. Debbie made the centerpieces that were flowers and butterflies made of dollar bills. As a parting gift everyone in attendance received a zippered canvas bag and extra muffins. Everyone enjoyed reminiscing and having fun in Friendship, Love and and Loyalty.

Vice President of Operations and COO Samantha Schulmeier Kelley, center, on behalf of the Home Office, presented a handmade wooden plaque commemorating Vineta Lodge’s 125th anniversary during its celebration in September. Samantha is pictured with lodge officers, from left, Debbie Jordan, Carol Bielke, Emily Roberts and Ashlee Belew.

Vineta Lodge recognized President Debbie Jordan, left, in appreciation of her hard work and dedication to the lodge. Trustee Beth Byron presented a bouquet of flowers to her during the anniversary celebration.

Vineta Lodge member Janice Houghtling, center, was presented a 60-year membership pin and flowers by President Debbie Jordan, left, and Vice President of Operations and COO Samantha Schulmeier Kelley at the September anniversary celebration.

Vineta Lodge History “Vineta held its first meeting on August 25, 1901, with our 25 founding members in the Old Mission Garden, a few blocks from our current location. Our founder and first president was Mrs. Marie Zellweger, “Mother of Vineta Lodge.” “At that time, women were not allowed to attend or participate in our conventions, so they voted Brother Gottlieb Zellweger as an honorary Vineta member that represented us at conventions till 1907, when women were allowed to start participating in these conventions.

“Brother Zellweger remained a supporter of Vineta throughout this lifetime. This appears to set a standard for many of the Vineta spouses/family members throughout the years. Whether it was driving the ladies to the meetings, helping with the meals (including barbecuing at Comanche Park), or muscle strength just to name a few. “Vineta Lodge derived its name from an old mystic city well known in European saga. Legend has it that Vineta was the largest city in Northern Europe in the Fifth Century. The city

18 – Hermann Sons Life – October 2026

flourished because of its commerce and its reputation for wonderful hospitality. But the city was destroyed by warfare in 796 A.D. The city of Vineta was rebuilt but vanished into the North Sea during a flood. “Having been founded by German pioneers and their descendants, it stands to reason that during the early years of our organization’s existence, the use of the German language prevailed, and many lodges took their names from German folklore. It is fitting that the founders of our lodge, conscious of the legendary friendship

and hospitality of the city of Vineta, should be named Vineta, which also fit perfectly with the Hermann Sons motto of “Friendship, Love and Loyalty.” All the meetings (and minutes) were in German till the Grand Lodge started the transition of moving the use of the German language for its meeting and business transactions to English starting in 1930. This did take a few years to complete and in 1937, Vineta Lodge followed suit. In our archives, we have most of those journals of early minutes in German. “One hundred twenty-five years

have come and gone in the annals of Hermann Sons history since the gavel of fraternalism called the charter members of Vineta Lodge into their first lodge session. Time has taken its toll and these early pioneers are no longer in our midst. While we may have not had the privilege of knowing these ladies, many of us have had the privilege of knowing some of their descendants and others have made Vineta as we know it today.” - History information shared from the Vineta Lodge 125th Anniversary Program.

Lodge News

Vineta Lodge recognized past presidents at its anniversary celebration. Honored were President Debbie Jordan and Emily Roberts, center, pictured with Recording Secretary Carol Bielke and Financial Secretary Ashlee Belew.

Pictured at the Vineta Lodge 125th anniversary celebration are, from left, Vice President of Sales Teresa Saathoff, Jonathan Kelley, Irene Kace, Janelle Harshaw, Vice President of Operations and COO Samantha Schulmeier Kelley, HSL Laws Committee Member Mary Beam and Mike Beam.

Laura Krueger, a junior at La Vernia High School, created the artwork for Vineta Lodge’s 125th anniversary.

Deanville

Vineta Lodge honored its oldest member, Mary Ann Pintaric who celebrated an incredible 105 years on Sept. 22.

The Hermann Sons German Quintet provided traditional German music during Vineta Lodge’s 125th anniversary celebration held on Sept. 3.

Round Top ROUND TOP – Round Top Lodge will meet on Tuesday, Oct. 27, at 6:30 p.m. At the August meeting, Treasurer Mary Rauch discussed the lodge’s donation to Round Top-Carmine ISD teachers’ breakfast held at Bethlehem Lutheran Church Educational Building on Aug. 17 with 57 teachers and staff in attendance. It was a great morning with good food, door prizes, goodie bags and lots of fellowship. Celebrating August birthdays were Jo Ann Ullrich and Roy Piper. Celebrating anniversaries were Judy and Roy Piper, 59 years and Barton and Lila Garlin, 60 years. Attendance prize winners were Ray Ulllrich, Jeanette Hancock, Sophie Rauch, Bob Porter and Randy Wied. Thank you to Bob and Betty Porter and Lana Limmer for providing the door prizes. The winners were Lila Garlin, Judy Piper, Carmen Ebner, Mario Trevino, Linda Mattocks, La Verne Albers, Melanie Rauch, Max Baranowski and Leonard Meinkowsky. Randy Wied and Melanie Rauch won playing cards. Linda Mattocks, agent, presented interesting sales information. It was reported the lodge had two new members.

DEANVILLE – Deanville Lodge will meet Sunday, Oct. 25, at 2 p.m. at the lodge hall. Members are encouraged to attend. The lodge was scheduled to meet Sept. 27. At the August meeting, plans were finalized for the drive-through roast beef dinner benefiting Hospice Brazos Valley on Sept. 20. The lodge thanks the Home Office for the Matching Funds. A moment of silence was observed for longtime member Mildred Miman. Mildred was an active member of Deanville Lodge until her sudden passing. She had just celebrated her 95th birthday on July 4th at the annual 4th of July celebration. Condolences are extended to her family and to her lodge family. She will be greatly missed. The lodge will donate one class of sponsorship premium money to the Burleson County Fair Association. Best wishes to all fair participants.

Deanville Lodge mourns the loss of longtime member Mildred Miman. The lodge hall hosted a blood drive on Aug. 30. Thanks to everyone who participated. Sixteen units of blood were donated. Happy Birthday was sung to Janet Phillips and Beverly Blinka. Following the meeting, prizes were awarded followed by refreshments and fellowship.

Kirby Round Top Lodge presented a check to Bethlehem Lutheran Church on Aug. 17. Lodge Treasurer Mary Rauch, right, presented the donation to Julie Wantland, Church Council member. The donation will be used towards the funding of the teacher appreciation breakfast, as well as the programs and activities for the students of RT-C. The meeting concluded with Jeanette Schoenst reading the Washington’s Prayer for America from June 8, 1783, which was presented at our country’s 75th National Day of Prayer. Everyone enjoyed a delicious lunch with refreshments.

Kirby Lodge recognized birthday celebrant Vice President Samantha Schulmeier Kelley at the September meeting. The next meeting is the lodge’s anniversary celebration on Monday, Oct. 5, at 7 p.m. The lodge will provide a catered meal, and members are asked to bring desserts. Members planning to attend who have not made a reservation should contact Tammy Haecker. Senior Bingo is set for Sunday, Oct. 11, at 2 p.m. Sandwiches will be served.

hermannsonslife.org – 19

Lodge News Boerne BOERNE– Boerne Lodge will meet on Friday, Oct. 2, at noon at The Center, 17 Old San Antonio Rd. At the September meeting, members were asked to offer suggestions for Make a Difference Day projects. Make a Difference Day is Oct. 24. Guest speakers were Cheryl Sahm and Steve Hill. The lodge chose Cheryl and Steve to each receive the Humanitarian of the Year Award. Cheryl volunteers for The Closet Thrift Shop and Cheryl and Steve both volunteer for Meals on Wheels located at The Center in Boerne and Taking It to the Streets in San Antonio. The lodge celebrated and honored member and agent, Ana Vasquez with a surprise retirement party. Ana is retiring from her position at the Home Office as the Director of Compliance but plans to continue her job as an agent. In her agent’s report, Ana said the Multi-Year Guaranteed Annuity (MYGA) is currently at a rate of 5.75% which is a really good rate. Happy birthday greetings went out to September celebrants, Marilyn Vogt and Kathy Kunz.

Boerne Lodge President Barbara D’Spain, left, presents a gift from the lodge to member and agent, Ana Vasquez. Ana is retiring from her position as Director of Compliance from the Home Office but will continue to serve as an agent. The lodge held a surprise party for Ana at the September meeting.

Louise Schuetze SAN ANTONIO – Louise Schuetze Lodge will meet on Monday, Nov. 9, at 6:30 p.m. in the Rathskeller and will celebrate Thanksgiving with a special turkey dinner. The lodge will provide the turkey, and members are asked to bring a side dish to share. The lodge celebrated its 130th anniversary in the beautiful ballroom at the Hermann Sons Home Association in September. Many thanks to all the guests who attended from other lodges. We enjoyed a brief meeting, followed by a delicious dinner and wonderful des-

Mission-Alamo

serts. Siemering Lodge presented Louise Schuetze Lodge with a beautiful, very old banner that they had been beautifully refurbished by Cherry Lee. We sincerely thank her for doing such a beautiful job and Siemering Lodge for this gift. The members are very proud of the newly restored banner! Birthdays and anniversaries were celebrated and Cherry won the splitthe-pot prize. Door prizes added to the evening fun. Louise Schuetze Lodge birthday celebrants at the September meeting were Mary Theresa Trujllo, Susan Rabel, Carol Grill, Pat Plough and Carol Krauss.

Twin Sisters

Louise Schuetze Lodge recognized first anniversary celebrants Devin and Zohara Pockrus at the September meeting.

Louise Schuetze Lodge celebrated its 130th anniversary at the September meeting. Siemering Lodge gifted the lodge a very old Louise Schuetze Lodge banner that had been refurbished by Cherry Lee.

20 – Hermann Sons Life – October 2026

BLANCO – Twin Sisters Lodge will meet on Sunday, Oct. 4, at 7:30 p.m. at the lodge hall, 1275 RM473 in Blanco. Oktoberfest will be celebrated with a meal of sausage, sauerkraut, German potato salad, trimmings and dessert. Members will vote on a recipient for the Humanitarian of the Year Award. At the August meeting, guests included Garrett and Morgan Mayer, members of Gulf Lodge and grandsons Jeanette and Dan Mayer, Father Kyle Nesrsta of St. Ferdinand’s Catholic Church and Nancy Faldik. The trustees reported on the lodge interior improvements that

were made since the last meeting. Members gave special thanks to Kent Weber, Herman Weber and Marshal Weber. Everything looks really nice! Special thanks also to Jose Rios for painting the exterior of the building. Members voted to sell a portion of lodge property next to the cemetery of St. Mary’s Chapel to the St. Mary’s congregation. The next step is for Father Kyle to present the information to the Catholic Archdiocese. Prior to the August meeting, letters had been mailed to lodge members explaining the possible sale of the property and

SAN ANTONIO – Mission-Alamo Lodge will celebrate Halloween at the Sunday, Oct. 11, meeting at 2 p.m. at the San Antonio Home Association. Members are encouraged to wear costumes or “colors.” Officer elections will be held for open positions. The Holiday Party is back! It will be held Sunday, Nov. 15, from 3-6 p.m. in the Home Association Ballroom. A catered turkey dinner will be served, Santa will stop by for pictures, and there will be children’s crafts too. Only 100 RSVPs will be accepted. RSVP to Joyce Kneupper by Wednesday, Nov. 4, at 210- 508-5624.

an invitation to attend the meeting if interested in voting. Celebrating birthdays were Herman Weber in August and Marilyn Weidman in September. Stan and Karen Steiger celebrated their anniversary in September, 49 years. Ethan Morash helped with door prizes. Winner Gertrude Hartmann donated her winnings to the Building Fund and Jennifer Ethridge was not in attendance. Father Kyle said a blessing over the meal. Thank you to Herman and Nancy Weber for making the hamburgers and to all who contributed to the meal.

Lodge News Hondo Victory HONDO – Hondo Victor Lodge will meet on Wednesday, Oct. 14, at the Azteca restaurant. Hondo Victory Lodge joined with Hondo Lodge for the annual family night dinner on Sept. 8. Fraternal and Youth Foundation Director Tammi Sutherland from the Home Office presented 60-year membership pins to Renae McNeil, Clyde Muennink and Mary Tschirhart and 70-year membership pins to Linda Keilman, Myron Saathoff and Emilie Cowan. The evening included a delicious meal of barbecued ribs, chicken, beans and potato salad, followed by peach cobbler and ice cream for dessert. The event was a great way to strengthen bonds and enjoy a night of awesome food and great company.

During the Hondo Victory and Hondo Lodge family night dinner in September, Fraternal and Youth Foundation Director Tammi Sutherland, left, presented 70-year membership pins to Linda Keilman, Myron Saathoff and Emilie Cowan.

Fraternal and Youth Foundation Director Tammi Sutherland, left, presented 60year membership pins to Renae McNeil, Clyde Muennink and Mary Tschirhart at the Hondo and Hondo Victory Lodges’ annual family night in September.

Prinz Solms

Pershing Lodge members made sandwiches for the Christian Assistance Center in June for its Join Hands Day project. Beth Warne, Carol Krauss and Pat Plouch delivered the sandwiches to the CAMpassion Warehouse.

Pershing

SAN ANTONIO – Pershing Lodge will meet on Saturday, Oct. 3, for the annual sausage lunch at 11 a.m. at the San Antonio Home Association. The lodge will collect donations for the Live Oak Fire Department as its Make a Difference project. Bingo will be played after lunch. If you plan to attend, please call or text the office at 210-227-3085,

we would love to have you. Members got together to make sandwiches for the Christian Assistance Center in June for Join Hands Day. The sandwiches were delivered to the CAMpassion Warehouse, and they were so grateful. The lodge plans to do this community service project again.

New Braunfels NEW BRAUNFELS – New Braunfels Lodge will meet on Sunday, Oct. 4, at 3 p.m. at the lodge hall. Michael and Shirley Huebinger will host. At the September meeting, the lodge welcomed two new members. President and CEO Robin Czarnek gave a report from the Home

Office and said Hermann Sons Life is sponsoring a birthday party for children at the Boysville Home for Boys and Girls in October. Members voted to donate $50 toward the party. Robin and husband Dave hosted a fried chicken meal.

BULVERDE – Prinz Solms Lodge will meet on Sunday, Oct. 11, at 5 p.m. at the Bulverde Community Center. Comal County Fire Marshall Kory Klabunde gave a presentation on fire safety at the September meeting. October is Fire Safety Month. Kory reminded members that water should not be put on a grease fire. Instead put a lid on the skillet or pot and turn the stove off to smother the fire. Keep a good size fire ex-

tinguisher on hand for household use. To use a fire extinguisher, he recommends holding the handle, then pull the pin, aim the nozzle at the base of the fire and squeeze the handle using a sweeping motion across the base of the fire. Smoke detectors should be changed out every 10 years for best operation. Extension cords should not be used for full-time service. Kory said fire safety speakers are available for

community groups through the Fire Marshall office. Will and Dorothy Laubach celebrated their wedding anniversary in September. Members visited about grandkids and community news and played bingo. Everyone enjoyed a fried chicken meal with green beans, and sides and a variety of desserts brought by members.

and of course complain about how bad we bowled or brag about how good we bowled. Can’t wait till the next one. Congratulations to Larry Green for 50-years of membership in October. Happy anniversary to Kathy and Kerry Freeman, 23 years. They are wished many more. Happy birthday wishes go out to Chris Andries, Kecia Andries, Micah Billingsley, Janice Brackin, Adelaide Childs, Carter Childs, Jackson Childs, Micah Clanton, Sean Donohue, Kerry Freeman, Sydney Hampton, Kamden Hazelwood, Darlene Jones, Sandra Jones, Shannon Jones, Zachary Kime, Jennifer Kinman, Lorelei Leonard, Lucas

Leonard, Preston Lewallen, Payton Mitchell, Janie Nichols, Renee Rudloff-Baker, Barbara Russell-Hartgraves, Jessica Sifers, Cutter Stephenson, Chance Voss, Lance Voss, Annika Wagner, Mark Wagner, Scott Wagn and Finley Wood.

Fort Worth FORT WORTH – As summer has come to a close, it’s time to start making plans for the last part of the year. The next meeting will be the lodge’s Christmas party on Sunday, Dec. 6. Watch the paper for more details. The lodge is making plans for upcoming meetings and Make a Difference Day. If you have any suggestions, please contact Sandra Jones at 817-781-7155. We are always looking for community service projects to help the community. Congratulations to all the Hermann Sons Life State Bowling Tournament winners from Fort Worth. A great time was had as we met up on Saturday night to talk, laugh

Helotes

HELOTES – Helotes Lodge will meet on Tuesday, Dec. 8, at Bill Miller’s BBQ, 12705 Bandera Road in Helotes. Arrival time is 6:45 p.m. and the meeting will begin at 7 p.m. RSVP by texting Rebecca at 210-723-8939 or Letty at 210218-9423 by Dec. 1.

hermannsonslife.org – 21

Lodge News Siemering SAN ANTONIO – Siemering Lodge has donated $1,000 to the Somerset FFA Booster Club and the students who were affected by the devastating dog attack that left heartbreak throughout the community in Somerset, Texas. This was a tragic loss of several livestock animals at the Somerset FFA Agriculture Barn, where stray dogs caused an estimated $20,000 in damages to student-owned lambs, goats and pigs. The entire Cogburn family, Bran-

don and Tracy, along with children Bryson and Addison, are a 100% Hermann Sons Life Family and are all active in Siemering Lodge. “The decision to support was an easy one – to help our own and the Somerset FFA students so they can rebuild,” Siemering Lodge President Chris Naughton said. “The overwhelming generosity from community members ensures these dedicated students have the backing they need to keep pursuing their goals in agricultural education.”

Anton Wenzel Albert Kellner, left, won split-the-pot and Anton Wenzel Lodge President Edward Elizondo celebrated a birthday at the September meeting. The lodge will celebrate Christmas on Tuesday, Dec. 1, at 7 p.m. at the San Antonio Home Association. All members are invited to attend. A meal of tamales and ham will be served, and members are asked to bring sides.

Burton

BURTON – Burton Lodge will hold the annual appreciation dinner on Thursday, Nov. 5, at 6 p.m. at JWs Steakhouse in Carmine. Membership pin presentations will be held. Seventy-year pins will be presented to Jodell Hodde and Herman Schoenemann, and 50-year pins will be presented to Jeremy Rosenbaum and Andrew Dallmeyer. The Humanitarian of the Year will also be recognized. Please RSVP to Dale Schwartz at 979-203-9257 if you plan to attend. At the September meeting, of-

Houston HOUSTON – Houston Lodge will meet on Monday, Oct. 12, at 6 p.m. A meeting location was yet to be determined due to the closing of the Don Jose’s restaurant. Please contact Corresponding/Recording Secretary Catherine Manchack at 832-443-0469 for location. The August meeting was held at Spaghetti Western Restaurant. Guests were Jeffery Helberg, Cody Watson and Debra Gallemore. J.R. Coleman resigned as financial secretary and members elected Roxann Herrin to fill the posi-

ficers were re-elected for the new year. They are President Dale Schwartz, Vice President Denise Brode, Secretary Sue Schwartz and Treasurer E.J. Muehlbrad. Get-well cards were sent to Jean Duett and Nina Dallmeyer. Don Kessler and Sue Schwartz were recognized for their September birthdays. Door prize winners were Carol Naegeli, Suzanne Kessler and E.J. Muehlbrad. Prior to the meeting, everyone enjoyed a delicious meal prepared by Dale and Sue Schwartz.

Fredericksburg FREDERICKSBURG – Fredericksburg Lodge will meet on Tuesday, Oct. 6, at 6 p.m. at the lodge, 1109 S. Adams St. Dinner will be pulled pork sandwiches. Attendees may bring a side dish or dessert if desired. Come and join us for social time and dinner.

Siemering Lodge President Chris Naughton, far right, and Vice President Mark Lee, center, presented a $1,000 donation to Bryson Cogburn and Sister Addison along with Brandon and Tracy Cogburn in support of the Somerset FFA Booster Club. All the Cogburns are active in the Somerset FFA and well as Siemering Lodge.

Eighteen members and guests met in September at the lodge for the monthly meeting, social time and a barbecue pork dinner. Celebrating a birthday in September was Rene Basse, and David and Rene Basse celebrated an anniversary.

22 – Hermann Sons Life – October 2026

tion. Community Coordinator Patricia Bushman reminded members of the next volunteer workday in August at the Houston Food Bank. Membership Coordinator Catherine Manchack reported Roxann Herrin, Patricia Bushman, Jack Manchack, Catherine Manchack and Diane Weikel were on the sick list. The lodge mourns the loss of member Ollie L. Muchow. A meeting of the elected officers, trustees and members of the Bylaws Committee was discussed

and plans made to meet before the September meeting. Happy Birthday was sung to Peggy Haas, and attendance prizes were awarded. Agent Gary Falkenberg gave his report stating life insurance is available to youth ages 10 days to 17 years and adults ages 18-90 with $18 membership dues. For any lodge questions, contact Corresponding/Recording Secretary Catherine Manchack at 832443-0469 or email: cnmanchack@gmail.com.

Rutersville LA GRANGE – Rutersville Lodge will meet on Wednesday, Oct. 7, at 7 p.m. at the lodge hall, 5830 TX-159. The meal will be chicken, rice and vegetables. The lodge Christmas party will be held on Saturday, Dec. 12, beginning at 6 p.m. More details will be provided next month. At the September meeting, Board Director Theresa Garlin shared highlights from the Board of Directors meeting held in August. Agent Kyle Hartmann gave an update on increased rates for the HSL Multi-Year Guaranteed Annuity (MYGA). A thank-you letter was read from Margie Svrcek’s grandson, 12-yearold Eli Svrcek. Eli attended camp this summer and wrote about all the activities he enjoyed while there. It’s wonderful to hear of the younger generations benefitting from Hermann Sons Life membership.

September birthday celebrants at Rutersville Lodge were, from left, Larry Tietjen, Margie Svrcek, Albert Loehr and Wayman Krueger. The lodge recognized September birthday celebrants, Albert Loerr, Margie Svrcek, Larry Tietjen and Wayman Krueger. The attendance prize winners were Larry Tietjen, Raymond Rosen-

baum, Ricky Kuhn, Margie Svrcek and Sherrie Terronez. Thank you to the Hartmann family for donating the delicious pork ribs for the meal, and to everyone who provided sides and desserts.

Privacy Notice Effective Date: 9/1/2026 Important Notice Regarding the Privacy and Information Practices of Hermann Sons Life. Introduction Hermann Sons Life is a fraternal benefit life insurance society chartered by the State of Texas and organized under Section 501(c)(8) of the Internal Revenue Code. We have protected the privacy of our members, policyholders, applicants, claimants, and beneficiaries since 1890. The Gramm-Leach-Bliley Act and applicable state privacy laws require that we notify you annually about how we collect, use, safeguard, and share your personal information. This notice describes those practices and your rights. Unless you receive a separate notice from your agent or producer, this notice is given on their behalf as well. Throughout this notice, “we,” “us,” and “our” refer to Hermann Sons Life. Definitions Affiliates - Companies related to us by common ownership or control, whether financial or nonfinancial. Nonaffiliates - Companies not related to us by common ownership or control, such as reinsurers, service providers, and consumer reporting agencies described in this notice. Information We Collect To underwrite and administer your coverage, we collect the following categories of personal information, which may vary by product or service: • Application Information - Name, address, date of birth, Social Security number, employment, salary, and beneficiary designations. • Transaction Information - Coverage, premium payment history, claims history, and account balances. • Credit Information - Credit history and reports from consumer reporting agencies. • Health Information - Health history, prescription history, medical records, and claims statuses collected for life, annuity, or health-related products. • Lifestyle Information - Occupation, mode of living, and avocations relevant to underwriting. • Third-Party Information - Information from medical professionals, employers, other insurers, and other authorized sources. • Financial Information - If applicable, risk tolerance, investment objectives, assets, and transaction history related to products offered through us or our producers. How We Use and Share Your Information We use and share your information only as permitted or required by law, including to: • Underwrite, process, and administer your coverage and account servicing; • Respond to court orders, subpoenas, or regulatory inquiries, and report to consumer reporting agencies; • Prevent, detect, and investigate fraud, and protect the security of our records; • Support internal risk control, auditing, and dispute resolution, and provide information to our regulators, attorneys, and auditors; • Disclose to persons with a legal, beneficial, representative, or fiduciary interest related to you; • Market our products and services; • Facilitate a proposed or actual sale, merger, or transfer of our business; and • Comply with law, or with your consent or direction. Sharing With Our Affiliates We may share information about you (including transaction and application information) with our affiliates as permitted by law. Sharing With Our Fraternal Lodges and Branches Hermann Sons Life is organized around local lodges, and membership is conferred by a local lodge with Home Office approval. We may share limited information (such as your name, address, contact information, and lodge function photographs) with our affiliated fraternal

lodges. Use of this information is strictly limited to fraternal purposes, such as lodge meetings, picnics, fundraisers, volunteer activities, and member publications. Lodges may not use it for commercial or marketing purposes. Sharing With Nonaffiliated Third Parties We do not sell your personal information. We may disclose it to nonaffiliated third parties only as permitted or required by law, including: • Reinsurers and service providers (such as data processors, actuaries, and mailing services) performing functions on our behalf, subject to confidentiality obligations; • Medical professionals and institutions, for underwriting or claims purposes; • Marketing firms performing functions on our behalf, subject to confidentiality obligations; • Agents, producers, and independent brokers authorized to sell our products; • Consumer reporting agencies and regulators, as permitted or required by law; and • Parties involved in legal process or a proposed or actual business sale, merger, or transfer. We will not disclose your contract or account numbers to nonaffiliated businesses except as necessary to complete transactions or as you have authorized. We will notify you before disclosing your information in a manner not described in this notice. Information Security We safeguard your personal information through physical, electronic, and procedural measures, including: • Restricting employee access to those with a legitimate business need; • Secured facilities, firewalls, encryption, and access controls; and • Employee training, confidentiality agreements, and regular reviews of our technology and protocols. We require our service providers to maintain appropriate safeguards and use your information only for the purposes provided. Accessing and Correcting Your Information You may request access to, or a copy of, the personal information we maintain about you, including who has received disclosures of your information within the preceding two years. You may also request correction, amendment, or deletion of information you believe is inaccurate or irrelevant; procedures will be provided upon request. Former Members We extend these privacy protections to former members and do not share their information except as described in this notice or as permitted by law. Changes to This Notice We will notify you of any material change to this notice before implementing it. This notice replaces all previous versions. How to Contact Us If you have any questions about this Privacy Notice, our information practices, or your rights, or if you wish to exercise any opt-out right described herein, please contact us: Hermann Sons Life 515 S. St. Mary’s St. San Antonio, Texas 78205 Toll Free: 1-800-234-4124 www.hermannsonslife.org

hermannsonslife.org – 23

Make a Difference Day

Schulenburg Lodge recently presented a donation to the Schulenburg Volunteer Fire Department in observance of Make a Difference Day. Pictured are, from left, 1st Assistant Chief Drew Brossmann, Fire Chief Darren Guentert, lodge President Ed Moeller, 2nd Assistant Chief Randy Wick and 3rd Assistant Chief Gary Eudy. Send us your project photos! Email elaines@hermannsonslife.org

Day of service observed on Oct. 24 Make a Difference Day is the largest single-day national day of community service in the United States, celebrated annually on the fourth Saturday of October. This year it is on Saturday, Oct. 24. Make a Difference Day was created in 1992 by USA WEEKEND magazine in partnership with Points of Light. The goal is to inspire people worldwide to unite, volunteer, and improve the lives of others through small acts of kindness and community projects. Each year, Hermann Sons Life and its members participate in many community service projects such as collecting food items for local food banks, cleaning cemeteries, collecting clothing and school supplies for children in shelters, visiting nursing homes and providing entertainment like bingo and prizes, to

presenting monetary donations to community charities. All lodges are encouraged to participate in this special day of giving. Some ways to Get Involved Volunteer Locally: Spend a few hours helping at a local food bank, soup kitchen, or animal shelter. Clean Up: Join or organize a neighborhood, park, or beach cleanup project. Donate: Gather gently used clothing, books, or non-perishable food items to give to local shelters. Support Neighbors: Assist elderly or vulnerable neighbors with yard work, groceries, or home repairs. Lodges be sure to share your projects and photos with us! Email to elaines@hermannsonslife.org for publication.

Answers Word Search answers: Y R P M N I K P M U P A R H

O W D P I E B B A T C E D T

E N N P H T U P G H O S T S

T A E R T R O K C I R T W P

P S H E V A M P I R E T M I

N E T T W M P E B N I L W D

O T E T I O A O Z O M B I E

Word Scramble answers: T N O E T N L M T E H H I R

E Y G A C S P L U T R Y W E

L P I A H T O C A N R D N I

E E T K Z E Y P M H M S V K

K E P B A R W N T C A N D Y

S R R O A E E H A U N T E D

24 – Hermann Sons Life – October 2026

N C Y O L E M U T S O C H L

Pumpkin Ghost Witch Candy Vampire

Skeleton Haunted Monster Costume

Crossword answers: Down 1. Trick or Treat 2. Ghost 3. Skeleton 5. Zombie 6. Bat 8. October 10. Candy Corn 12. Spider

Across 4. Witch 7. Costume 9. Scarecrow 11. Jack o Lantern 13. Vampire 14. Candy

Memorials NAME Alma S. Dolezal Alice M. Schneider Ralph Meckel Frances Langehennig Valerie J. Graham George L. Brucks Jr. Charles A. Clay Gregory A. Gerig Adella C. Reagan Donnie M. Berger Lillian Franckowiak Ramona M. Romike John E. Wommack William O. Koopmann Vicky J. Sablatura Brent A. Petroski Gary D. Stolte Charles R. Evans Juanita D. Knobloch Patricia L. Obermark David D. Tatsch Juliet E. Watson Larry D. Rapsilver Emil C. Frysak Sue R. Wiedenfeld Jeanette A. Laza Marilyn K. Menn Joycelynn Onken Jo N. Leinweber George A. Jonischkies George Preusser M.C. Fischer Jr. Rose M. Janke Herman L. Grauke Stanley O. Kneupper Floyd E. Buesing Janelle J. Larrison Dorothy J. Schriewer Linda F. Mager Mark A. Vaclavik Catherine A.A. Reed Lana K. Krietsch Martina M. Saathoff Oittlie R. Wilson Doris L. Koerth John W. Hendrix

LODGE Gonzales Lodge Paige Lodge Spring Branch Lodge Pershing Lodge Edelweiss-Magnolia Lodge Hondo Lodge Siemering Lodge Schwertner Lodge Fort Worth Lodge Weesatche Lodge Pershing Lodge Corpus Christi Lodge Prinz Solms Lodge Cuero Family Lodge Hondo Victory Lodge Edelweiss-Magnolia Lodge Helotes Lodge Waco Robinson Lodge Paige Lodge Columbia Lodge Fredericksburg Lodge New Braunfels Lodge Sealy Lodge Da Costa Lodge Comfort Lodge Yorktown Lodge Yorktown Lodge Da Costa Lodge Louise Schuetze Lodge Yorktown Lodge New Braunfels Lodge Anton Wenzel Lodge Richland Lodge Gonzales Lodge Cat Spring Lodge Weesatche Lodge La Vernia Lodge Seguin Lodge Richland Lodge Hochheim-Prairie Lodge New Braunfels Lodge Yorktown Lodge Hondo Victory Lodge Coupland Lodge Round Top-Shelby Lodge Dallas Lodge

DIED AGE July 5, 2012 63 Feb. 7, 2016 94 May 2, 2024 85 Aug. 1, 2025 95 Sept. 8, 2025 88 Oct. 17, 2025 83 Oct. 26, 2025 69 Dec. 30, 2025 73 Dec. 30, 2025 78 Jan 4, 2026 82 Feb. 12, 2026 86 Feb. 19, 2026 95 March 9, 2026 74 March 25, 2026 82 April 17, 2026 67 April 23, 2026 51 May 11, 2026 79 May 12, 2026 96 May 15, 2026 95 May 20, 2026 76 May 30, 2026 79 June 2, 2026 59 June 3, 2026 81 June 5, 2026 86 June 16, 2026 94 June 17, 2026 74 June 24, 2026 71 June 24, 2026 82 June 26, 2026 103 June 26, 2026 77 June 27, 2026 85 June 30, 2026 86 July 3, 2026 93 July 10, 2026 84 July 13, 2026 88 July 14, 2026 88 July 20, 2026 68 July 20, 2026 92 July 21, 2026 70 July 22, 2026 66 July 24, 2026 75 July 26, 2026 84 July 29, 2026 92 Aug. 1, 2026 85 Aug. 10, 2026 85 Aug. 11, 2026 84

Pioneers Anton Wenzel Lodge Donald L. Seybert Jr. Dennis A. Jupe Robert L. Jupe Doris E. Jacobs Austin Lodge Patricia S. Greeven Sandra C. Forston Margaret A. Holck Allan R. Schoen Loraine D. Seiler Patricia M. Sierer Lilly J. Sloan Kara T. Hall John D. Hutchinson Jr. Travis D. Hutchinson Bernardo Lodge Patricia L. Frey Clinton E. Maertz Biry Lodge Mary V. Uhl Boerne Lodge J.R. Moldenhauer Carol M. Dippel Paul W. Frantzen Cheryl M. George Scott A. George

75 70 70 50 75 60 60 60 60 60 60 50 50 50 60 60 50 75 70 60 60 60

Brazosport Lodge Diane M. Haas

Brenham Lodge Randy L. Janner Herbert F. Divin Joy D. Finke Connie L. Oevermann Julie E. Joswiak Valerie H. Joswiak William R. Krueger

75 70 70 60 50 50 50

Brunhilde Lodge Jo Beth Alexander Cindy C. Bowen Roynda S. Bowen Virginia Pinn Bryan Lodge Larry D. Karstadt W.E. Pieters Jr. Daron G. Peters

60 60 60 60 70 70 50

Burton Lodge Herman M. Schoenemann III 70 Andrew L. Dallmeyer 50 Jeremy R. Rosenbaum 50 Cameron Lodge Randall R. Becker Mary F. Hanseler

60 60

Castroville Lodge Boyd W. Kempf Jeanette J. Boehme Frank V. Peter Natalie R. Burke Michelle L. Ducos Chad D. Marty Jennifer Marty Simone R. Moore

70 60 60 50 50 50 50 50

Cat Spring Lodge Mary Lynn O’Sullivan Sheila R. Jurado

75 60

Cibolo Lodge Donna L. Kreutler Hazel M. Kreutler Lewis E. Kreutler Melodie J. Kreutler

60 60 60 60

Comfort Lodge Don K. Biermann Rebecca R. Mussey Schatzie M. Norris Chester L. Rees Jr. Robert H. Rees Jo Ann K. Stiles Lisa R. Allerkamp Karen L. Ballard Kendall Dorothy E. Mican Beth D. Purcell Ronald L. Willis Renee F. McNiel Derek A. Meier Tommy R. Rausch Amanda G. Spenrath Michael R. Spenrath Frederick J. Stehling Justin A. Stieler

70 70 70 70 70 70 60 60 60 60 60 50 50 50 50 50 50 50

Converse Lodge Peggy A. Gutz Jerry E. Haecker

70 60

Corpus Christi Lodge Annie L. Georg Carole A. Steindorf Gregory Blankenship

70 60 50

Coupland Lodge Scott A. Prinz Joshua A. Schroeder Cuero Family Lodge Grace E. Binz Marc L. Mazer Betty A. Scott Lillian A. Carpenter Patricia A. May Katharine B. Nagel Laurie A. Post Lorey Spears Laurie L. Wendel Brandy G. Boza Amy R. Patton

50 50 75 70 70 60 60 60 60 60 60 50 50

Da Costa Lodge Michael F. Niesner Laura L. Manning Donna S. Nelson Christine G. Kalisek Kenneth L. Bayer Jr. Mark J. Larson Patricia Thornton

70 60 60 60 50 50 50

Dallas Lodge Melisa A. Martin Michael R. Nelson Brandalyn Hutchinson Chrystal C. Martinez

60 60 50 50

Deanville Lodge Charles W. Baron Jr. Sheila G. Bartek

70 60

D’Hanis Lodge Robert J. Rothe

Dunlay Lodge Steven J. Boehme Roy A. Wurzbach Monique L. Vandewalle

60 60 50

Edelweiss-Magnolia Lodge Yvonne E. Coffey Virginia R. Goings Rhonda R.C. Thrailkill Sherry L. Chumchall David E. Clegg Jennifer Kaltwasser Michael B. Karnei William E. Morris

70 70 70 60 60 50 50 50

El Campo Lodge Willie L. Bender Jr. Ricky J. Scotka

80 60

Ellinger Lodge Janis M. Pfeffer

Fort Worth Lodge Larry D. Green Aleshia J. Parsons

50 50

Fredericksburg Lodge David R. Basse Robert W. Klaerner Chris W. Ottmers Helen D. Whetstone Joy Lyn Clark Andree L.M. Hayes Levi L.M. Hayes Kendra M. Schnelle

70 60 60 60 50 50 50 50

Gay Hill Lodge Carolyn Kay

Gonzales Lodge Bobby R. Cuvelier Penny G. Lee Zilpha M. Dolezal Randy A. Lamza Danny H. Majefski

80 70 60 60 50

Hondo Lodge Jeffrey Zuberbueler Robert L. Zuberbueler

50 50

Houston Lodge Eugene E. Fritcher David M. Harrison Denise J. Theriot Thomas R. Bundick

80 70 70 60

Jackson County Lodge James Malinak Janice M. Malinak

70 70

Jourdanton Lodge Lynda L. Nollkamper Leah Raumaker

60 60

Karnes City Lodge Wayne P. Karstadt Melissa L. Flieller Patrick W. Jarzombek

70 60 60

Kirby Lodge Elaine J. Hicks

Kypfer-Salge Lodge Jonathan K. Lammert

La Grange Lodge James E. Guenther Tami L. Sladek Bert C. Vasut

70 60 60

Greater Texas Lodge Leighton Works

Gulf Lodge Pamela J. Godinich Raymond Burus

60 50

Harmonia Lodge William E. Hayman Ronald K. Raab Calvin H. Kirchhoff James R. Penak John C. Graham Joel R. Popp

Laubach Lodge John M. Hargraves Rebecca M. Wieland

50 50

70 70 60 60 50 50

La Vernia Lodge Dorothy J. Morrison

Lockhart Lodge Janet M. Schaefer Deborah A. Taylor

70 70

Louise Schuetze Lodge Diann Gunn Susan P. Phrampus Joan W. Jupe Pamela J. Lawhon Terry L. Ronshausen Janice B. Schwab Lois M. Claridge Sandra D.S. Nigh Doris M. Rodgers Carol Ann R. Rogers Susan J. Stavinoha

75 75 70 70 70 70 60 60 60 60 50

Haskell Lodge Darla Kaye G. Lane Derinda M. Larned

50 50

Helotes Lodge Jerrilyn M. Nickel Michael W. Nickel

70 70

Hochheim-Prairie Lodge Rodney Dan Chesser Audrey K. Drozd Emily L. Drozd Betty Jo Staehr

50 50 50 50

hermannsonslife.org – 25

Pioneers Macdona Lodge Dwayne J. Cook Delorne Morwood Pamela M. Rath

60 60 60

Marion Lodge Anthony L. Koehler Jenny S. Wade Robyn L. Busby

60 60 50

McGreger Lodge Berniece Kelm

Mission-Alamo Lodge Erline F. Packham Charles E. Pruski Alfred A. Gerloff Jr. Elizabeth A. Kilcrease Kevin Kindla Ricky L. Linn Dianne M. Lyle Monica G. Porter Sue Anna Rogers Brian J. Pawelek

75 70 60 60 60 60 60 60 60 50

Needville Lodge Robert L. Wittneben New Braunfels Lodge Charles A. Brown Karen D. Boyd Karen K. Harborth Shirley A. Huebinger Sharlene S. Fey Denmark G. Miller Kathrine K. Kuehler Jennifer L. Patrick Jodi L. Reed Patricia A. Sauer Stacy N. Welch Gregory S. Yates Niederwald Lodge Phyllis E. Dunn Orange Grove Lodge Kevin P. Gregorczyk Jonathan E. Retzloff Paul Vogt Lodge Anthony J. Wagner Rae Ann Dixon Bradley D. Marquardt Stephen M. Zoeller Carol L. Crockett

70 75 70 70 70 60 60 50 50 50 50 50 50 60 60 60 70 60 60 60 50

Pershing Lodge Charles W. Bednarz Jr. Mark N. Bednarz Brian L. Eck Mary Esther Eck Lillian F. Kiolbassa Clarence Cameron III Kim I. Cameron Melissa C. Fasken Mark C. Guthrie Mary C. Guthrie Suzanna L. Mullins Regina L. Todora Piney Woods Lodge Candace J. Carter Kathy E. Martin

60 60 60 60 60 50 50 50 50 50 50 50 60 60

Plum Lodge Sondra K. Huelsebusch Gloria M. Raschke

60 50

Poth Lodge Richard L. Bolf Elizabeth A. Cutsinger Susan L. Mueller Curtis W. Ogburn Shannon R. Lieke

60 70 70 70 50

Prinz Solms Lodge Joyce J.S. Guenther Bobbie N. Gallas Kervin E. Kappelmann Scott D. Syamken

75 70 60 50

Schulenburg Lodge cont’d Michele L. Chovanetz William R. Fowlkes Mary Lou Kristynik Jason N. Rodriguez Schwertner Lodge Cynthia M. House James D. Lampley Karol M. Schwertner Gina R. Wyatt Arnie J. Bielss

75 70 70 70 60

Siemering Lodge Randall D. Kahlich Richard L. Bonn Randal L. Bruno Timothy A. Butler Rhonda K. Gaede James A. Kosub Richard O. Kuehner John E. Steger Malcolm E. Stratemann Jr. Kurt T. Bruney Paul A. Bruney

Sealy Lodge Sheila G. Hejl

Stern Lodge Russell A. Doege

Seguin Lodge Charlene J. Moltz Sam H. Stoeltje III Danny J. Neumann Karl C. Randow Ernest D. Hartman Jr. Michael R. Kropp Betty P. Smith Wendy A. Jacobs Wade E. Maierhofer Tamara L. Schmoekel Gretchen D. Schultze

80 75 70 70 60 60 60 50 50 50 50

Twin Sisters Lodge Howland G. Mobley Steven P. Moble Dorothy A. Reeves Evelyn M. Reeves

60 60 60 60

Taylor Lodge Mary J. Hammack Royce G. Muegge George R. Ripper

75 70 70

Shiner Lodge Kathleen J. Smith Mandy L. Blessing

75 50

Vineta Lodge Patricia A.B. Webber Linda M. Ginnelly Kay F. Guenther Debra A. Lackey

75 70 70 70

Rosenberg Richmond Lodge Dennis R. Kostak 60 Round Top-Shelby Lodge Kamala F. Kitzman Norman R. Jasek Sara L. Ramirez Kimberly D. Van Tassell

60 50 50 50

Rowena Lodge Roger E. LeClair

Rutersville Lodge Maxine L. Brugger Mark W. Kasmiersky

60 60

San Marcos Lodge Katherine C. Longley Kristy L. Longley

50 50

Schulenburg Lodge Mary K. Seifert Darrell G. Dieringer Mary Jane Krupala Neal A. Richter

70 60 60 60

26 – Hermann Sons Life – October 2026

50 50 50 50

70 60 60 60 60 60 60 60 60 50 50

Vineta Lodge cont’d Rose A. Kuehner Donna S. Williamson Marcy J. Niemeier

60 60 50

Waco-Robinson Lodge Tommy L. Glockzin Frederick D. Kettler Martha A. Webb

60 60 60

Weesatche Lodge Wilburn R. Duderstadt Alan W. Voelkel Gary A. Jarzombek Tracie A. Fielding Jason H. Thigpen

70 70 60 50 50

Womack Lodge Walter A. Prescher Jr. James E. Conrad Sandra E. Martin Stacy L. Blanton Jack D. Hanna

80 75 70 50 50

Yorktown Lodge Russel A. Robertson Rhonda K. Strieber Joan M. Urban Bryant R. Bargmann Dawn M. Gonzales Mark A. Lloyd Scarlett S. Moeller

70 70 70 50 50 50 50

Donations Mary Lee Enderlin Ann Lou Tschirhart

RETIREMENT HOME

Vineta Lodge Vineta Lodge

Cecilia Padalecki Geraldine Byrom

Vineta Lodge Vineta Lodge

GRIEF CAMP David R. Noak

Schulenburg Lodge

Barbara Haar

Brenham Lodge

CAMP SCHOLARSHIP Liberine Quandt Angeline Marie Januszewski Herbert F. Maier John A. Weihrich Betty J. Teltschik Marvin E. Kaase Billie L. Hoffmann Louise L. Jacob Kirk E. Eyring James D. Liner

Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge

Clarence J. Hoelscher Ora L. Preuss C.F. Mackenroth Ethylyn O. Held Douglass P. Glover Charles E. Wueste David R. Noak Catherine Reed Harvey Soechting

Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Houston Lodge Schulenberg Lodge New Braunfels Lodge New Braunfels Lodge

Just for fun

Halloween

Halloween Crossword

1 3

2 4 5

H a l l oween Word S cra m b l e

KPMIPUN________________________

TSOGH__________________________

12 13

HCWIT__________________________

NADYC__________________________ GOLBNI__________________________ MPVRAIE________________________

Down Across Down 1. What you say when Across collecting candy on Halloween. 4. Often seen with a pointy hat and broomstick. 4. seen withthat a pointy hat places. and broomstick. 1. What you say when collecting 2. Often A spooky spirit can haunt 7. What you wear to dresscandy up ason something else for Halloween. Halloween.9. Stuffed figure set up to scare away birds from crops. 3. The bones inside your body. 7. What you wear to dress up as something else for 2. A spooky that can places. 5. AHalloween. reanimated corpse in horror stories. 11. spirit A pumpkin withhaunt a glowing carved face. 9. figure scare birdstofrom 3. The bones your body. that drinks blood. 6. Stuffed A creature thatset fliesupattonight andaway is linked Halloween. 13. Ainside mythical creature crops. 8. The month when Halloween is celebrated. 14. Sweet treatsincollected on Halloween. 5. A reanimated corpse horror stories. 11. pumpkin with a glowing 10. AA tri-colored Halloween treat.carved face. 6. A creature that flies at night and is linked to 13. A mythical that drinks blood. Halloween. 12. Often seen ascreature creepy crawlers on Halloween. 14. Sweet treats collected on Halloween.

8. The month when Halloween is celebrated. 10. A tri-colored Halloween treat.

Just for Laughs Why didn’t the skeleton go to the Halloween party? Because he had no body to go with!

October Calendar Days

12. Often seen as creepy crawlers on Halloween.

10/1

International Coffee Day

10/4 National Taco Day 10/6 National Noodle Day

What do you call a witch who lives at the beach? A sand-witch!

10/10 World Mental Health Day

What kind of music do mummies listen to? Wrap music!

10/21 Back to the Future Day

Why are ghosts such bad liars? Because you can see right through them!

10/30 National Candy Corn Day

What did the tree say to autumn? Leaf me alone!

10/16 Boss’s Day 10/17 National Pasta Day 10/24 Make a Difference Day 10/28 National Chocolate Day 10/31 Halloween

LSTEKOEN______________________ ADHUNTE_______________________ OMSNTER_______________________ TSUOMCE_______________________

Halloween Word Search Y R P M N I K P M U P A R H

O W D P I E B B A T C E D T

HALLOWEEN VAMPIRE CANDY HAUNTED

E N N P H T U P G H O S T S

T A E R T R O K C I R T W P

P S H E V A M P I R E T M I

N E T T W M P E B N I L W D

O T E T I O A O Z O M B I E

CREEPY BOO TRICK OR TREAT PUMPKIN

T N O E T N L M T E H H I R

E Y G A C S P L U T R Y W E

L P I A H T O C A N R D N I

GHOST WITCH ZOMBIE COSTUME

E E T K Z E Y P M H M S V K

K E P B A R W N T C A N D Y

S R R O A E E H A U N T E D

N C Y O L E M U T S O C H L

BAT SKELETON SPIDER MONSTER

hermannsonslife.org – 27

P.O. Box 1941 San Antonio, TX 78297-1941

Today!

A Stronger Tomorrow Starts

Medicare

AEP

MYGA

IS HERE!

Oct. 15 - Dec. 7

Whether you’re new to Medicare or already enrolled, it’s important to review your health and prescription drug coverage each year.

MULTI-YEAR GUARANTEED ANNUITY Tax-deferred growth More savings potential

Guaranteed interest Greater confidence

Review

3 and 5-Year Options Qualified and Non-Qualified Plans Minimum $5,000-Maximum $1,000,000

Your Options

RATES AS HIGH AS

  Compare  Choose

Your Current Plan

Coverage That Fits You

Competitive rates Guaranteed growth

5.75

HERMANN SONS LIFE Life Insurance • Annuities • Medicare

Contact an agent today! 210-527-9113 • 1-877-437-6266 hermannsonslife.org

Rates subject to change.

HSL-MYGA-2025-3YR; HSL-MYGA-2025-5YR