Confidence Through Coverage

W o o d m e n
o f
t h e
W o r l d
F r a t e r n a l
M a g a z i n e
Confidence Through Coverage
Annual Report
p. 12
Fraternal Spirit
p. 16
National Honor Page
p. 33
learn more at: woodmen.org
Photo by Taylor Howard Photography
Spring 2012
President’s Message
The Long View
Looking
back over my
years with
Woodmen
of the World,
I’ve seen lots
of changes in
the business
Danny E. Cummins
and in my
own life. But at the end of the day, I
can say that what’s important didn’t
change: faith, family, friends, and
fraternalism. These things remain
and sustain us in times of need.
Some of the members featured in
this issue of Woodmen Living offer
stories that testify to the value of
taking the long view. One member
passed away after serving on the
Woodmen of the World Board of
Directors after almost 25 years;
the world will miss Bill Owen’s
commitment to fraternalism. Two
members had a 30-year friendship
before falling in love and marrying,
and another member has been
making the world a little livelier
through music for the better part of
90 years.
Woodmen of the World is in the
business of helping people plan for
the long term and protect the things
they value. Your plans for the future
may be for your own retirement,
for your loved ones or even your
children’s children. Life insurance
products now assume that you
could live well beyond 100 years
of age, and retirement planning
products are designed to help with
the “live well” part of that phrase.
Woodmen of the World lodges also
contribute to living well for the long
term. Fraternal projects transform
communities and contribute to the
vitality of places where we live, so
encourage your friends to plan for
themselves, their families and their
communities by becoming members.
You can take the long view and
know that we’re with you through
every stage of life.
Sincerely and fraternally,
Our Mission: Woodmen of
the World exists to benefit
our members through every
stage of life.
Woodmen of the World Life Insurance Society and/or Omaha
Woodmen Life Insurance Society, founded in 1890, is a
fraternal benefit organization offering insurance protection
with member benefits.
Our nearly 725,000 members, who hold nearly one million
insurance and annuity certificates, belong to more than 1,500
lodges throughout the United States. Lodges conduct fraternal
projects of benefit to people and their communities. These
projects include presenting U.S. flags to civic and community
organizations; donating equipment to police, fire and rescue
units; providing assistance to senior citizens, the physically
impaired and orphans; and providing assistance through our
Fraternal Service Fund.
Life and health insurance and annuity products are issued
by Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society (Woodmen of the
World), a Nebraska corporation that is licensed as Woodmen
of the World Life Insurance Society in all states and the
District of Columbia, except CA, CO, ID, MT, NV, OR, UT, WA,
and WY. In those states, Woodmen of the World is licensed
as Omaha Woodmen Life Insurance Society (Woodmen).
Not all products are available in all states. Not all Woodmen
of the World Representatives are licensed to sell all products
offered through Woodmen of the World and its subsidiaries.
Danny E. Cummins
President & CEO
Securities are offered through Woodmen Financial Services,
Inc., 1700 Farnam Street, Omaha, NE 68102, 877-6643332, member FINRA/SIPC, a wholly owned subsidiary of
Woodmen of the World Life Insurance Society and/or Omaha
Woodmen Life Insurance Society. Securities other than the
Woodmen Variable Annuity are issued by companies that
are not affiliated with Woodmen of the World Life Insurance
Society and/or Omaha Woodmen Life Insurance Society. Not
all products are available in all states.
Products that are not issued by Woodmen of the World
or offered and processed through Woodmen Financial
Services, Inc., may be offered through Woodmen Insurance
Agency, Inc., a wholly owned subsidiary of Woodmen of the
World Life Insurance Society and/or Omaha Woodmen Life
Insurance Society. These products are issued by carriers that
are not affiliated with Woodmen of the World.
2 WOODMEN LIVING
in this issue
Spring 2012
Sections
4
Feedback
5 Remembering Bill Owen
Photo by Taylor Howard Photography
6
with you
through LIFE®
8
Newsworthy
10Member Spotlight
12Annual Report
16 Fraternal Spirit
23Member News
30 Promoting Patriotism
31 Jurisdictional Bylaws
It was an easy decision for David and Ashley Farr to purchase Family Term
life insurance, including coverage for their daughter, Aubrey (pictured).
Baron Moseley III credits Woodmen of the
World summer camp with helping his daughter
cope with the loss and move forward after the
sudden death of his wife.
24 Member Selected to
Compete at Bowl Game
Community Outreach Manager Philip Robertson
experienced the roar of the crowd first-hand when
he competed in a halftime contest at the 2012
BBVA Compass Bowl in Birmingham, AL
35 Equal Access Policy
36Fun Zone
Feature Stories
10 S ummer Camp Makes a
Difference for Young Girl
32Lodge Leader
38In Memoriam
26 Camp Friendship Leads to Love
The journey to Carol and Curt Anderson’s
wedding started more than 30 years ago at
Woodmen Camp Gold Hollow, with a few
turns and detours along the way.
28 Music Fills Member’s Life
Since learning to play the mandolin and guitar at
age 12, Roy Webb’s love of music has given him
a lifetime of memories – including a connection
to a Grammy Award-winning musician.
On the Cover
David and Ashley Farr
of Heber Springs, AR,
pictured with their
daughter, Aubrey, took
action to learn about life
insurance and protect
their family. Thanks
to their friend (and
Woodmen of the World
Representative) Kristin
Byrd, the family is now
confident they are
prepared for the future.
Woodmen of the World Fraternal Magazine 3
feedback on the web
Search: WOWInsurance
Society to ‘like’ our page.
Member offers tips on cleaning
Woodmen of the World grave markers
I am Past President of Lodge 0007 and was a Field
Representative for many years. I look at the magazine and all
the things other lodges do, and would like to give the lodges a
simple recipe for cleaning the Woodmen stumps.
Our lodge has cleaned many of the Woodmen stumps and
we scrub them with soap and water to get the grime off, but
our key ingredient is to use bleach in the rinse water on them
after they’re cleaned. The bleach will make them whiter over
time for years. They look so nice in our local cemetery, and
really stand out.
Fraternally yours,
4 WOODMEN LIVING
 New woodmen.org
The new year has brought a new look to Woodmen of the World’s
website, woodmen.org. The updated site features a streamlined
design with a variety of new features including: easier navigation
between pages; larger text for easier scanning and reading of content;
and links to individual Representative and Lodge websites.
 Woodmen of the World History
Another exciting update on woodmen.org is a new and improved
History page. Found by clicking on the About tab and then History,
the page includes a visual timeline with a slide feature where you
can flip through a historical montage in chronological order, or you
can click directly on the decade that interests you the most.
 What are Your Life Insurance Needs?
You’ve made the decision to buy life insurance, but how do you
know how much you need? The new woodmen.org can help! On
the homepage, look under Resources for the Life Insurance Needs
Calculator link. This will take you to a calculator on the LIFE® Foundation
website that will give you guidelines to determine the amount of life
insurance you should purchase.
Deborah M. Herring
Columbus, TX
Don't see your
lodge pictured?
Keep sending in those fraternal
photos. Every lodge has a great
story, and we love to help you
tell yours. Be sure the photo is
in focus and identify everyone
pictured clearly. Then email it to
photos@woodmenmag.com.
Follow us on Twitter at:
WOWInsurance
Board of Directors
Thomas T. Gallion III,
Chairman, Montgomery, AL
Danny E. Cummins,
President & CEO, Omaha, NE
Larry R. King,
Executive Vice President, Fraternal, Omaha, NE
Pamela J. Hernandez,
Executive Vice President, Operations & Secretary,
Omaha, NE
Mark L. Schreier,
Executive Vice President, Finance & Treasurer,
Omaha, NE
Daniel W. Rice III, Kinston, NC
Lucia G. Taylor-McCoy, Elkview, WV
Stephen W. Mellor, Omaha, NE
Dr. James W. Bosler III, Louisville, KY
Dr. James W. Shaver, Landis, NC
Roger B. Moore, Lynchburg,VA
James W. Bridges Jr., Las Vegas, NV
Michael C. Shealy, Lexington, SC
Wesley A. Dodd, Cornelia, GA
Daryl J. Doise, Sunset, LA
Magazine Staff
Managing Editor: Angie Schendt
Content Editor: Andy Oerman
Design Editor: Joe Bavaresco
Writers: Beverly Newsam, Carmen Steele,
Kerry Heinrich
Designer: Sarah Richart
Contributors: Kathy Cardwell, Carli Cominoli,
Angel Stottle, Jerry Underwood
Marketing & Public Relations
Team Vice President: Steve Haack
Woodmen Living (ISSN 1069-1790) is published
quarterly for $2.00 per year by Woodmen of the World
Life Insurance Society and/or Omaha Woodmen Life
Insurance Society, 1700 Farnam St., Omaha, NE 68102.
If you have questions, comments or
suggestions for articles, please direct
them to WLEditor@woodmen.org.
Equal Access Policy
Woodmen of the World Life Insurance Society
and/or Omaha Woodmen Life Insurance Society
is an Equal Access fraternal benefit organization.
It is the policy of Woodmen of the World to seek
qualified members on a nondiscriminatory basis
and to provide all members with equal access to and
allow their participation in the organization’s lodge
system, lodge events, fraternal benefits, and all other
fraternal activities on a nondiscriminatory basis.
visit us at: woodmen.org
email us at: service@woodmen.org
Periodicals postage paid at Omaha, NE, and
additional mailing offices. Postmaster: Send address
changes to Woodmen Living, c/o Woodmen of
the World Life Insurance Society and/or Omaha
Woodmen Life Insurance Society, 1700 Farnam St.,
Omaha, NE 68102.
Newsworthy
Remembering
Bill Owen
W
illiam “Bill” C. Owen, a lifelong Woodmen of the
World member and former Chairman of the Board,
passed away on March 23, 2012, after a long battle
with cancer. Owen had recently announced his retirement
from the Board of Directors after 24 years of service.
Owen had been an active member of the Board since
his election in 1987, serving in numerous roles. “Bill
contributed to the Board in many ways: through his
financial expertise, legal expertise, broad investment
knowledge, and overall leadership,” said President and
CEO Danny Cummins.
Owen graduated from the University of Florida with
a degree in Business Administration and from the
University of Nebraska School of Law. He commenced
his law career by clerking for Richard W. Ervin, the
Chief Justice of the Florida Supreme Court and a former
Woodmen of the World Chairman of Trustees. Owen
was actively engaged in the private practice of law in
Tallahassee, FL, since 1970.
Owen began his service to the Board as National Sentry
in October 1987. He was elected National Trustee in
William C. Owen
April 1988 and named Director at the 2001 National
Convention. In March 2008, he was named Chairman of
the Board. Prior to his retirement, he served as Director
and Chairman of the Audit Committee.
Bill Owen was the son of the late George E. Owen, who
served Woodmen of the World first as General Counsel
and then as Executive Vice President from 1960-1978.
Owen had a long history of service to Woodmen of the
World, including being an active member of Lodge 2 in
Leon County, FL. He was a Past President of his lodge,
Past President of the Woodmen of the World Florida
Jurisdiction, and a former member of Woodmen of the
World’s National Legislative Committee. He played a key
role in organizing the North Florida Woodmen Youth
Camp and was also active in the Civic-Exchange Club
and in Faith Presbyterian Church in Tallahassee. ::
Woodmen of the World Fraternal Magazine 5
Member Spotlight
with you through life
®
Photo by Taylor Howard Photography
Creating Confidence
With Coverage
David and Ashley Farr (pictured with their daughter, Aubrey) like the security their Family Term life insurance provides. Having enough coverage is
especially important to the Farrs, since their family is expanding.
Many people fear the unknown, and insurance sometimes falls into this category. Unfortunately,
avoiding what you don’t understand can lead to something even scarier – an unsecured financial future.
Most people realize the need for life insurance, yet only 41 percent of U.S. adults own individual life insurance.1 David and
Ashley Farr fell into that category, but took action and didn’t let fear get in the way of their family’s hopes and dreams.
A few years ago, the Heber Springs, AR, couple didn’t know a lot about life insurance. After speaking with friends who
did, the Farrs quickly sought out life insurance of their own. “We heard about all the reasons to get it and decided right
then that it’s very worthwhile,” David said.
The Farrs became Woodmen of the World members through Representative Kristin Byrd, whom they’ve known since
college. David said that getting life insurance is one of the best things they’ve done and that it’s a relief to know his
family is now provided for in case of an unexpected death.
CI0013 WOW 2/12
6 WOODMEN LIVING
“Life insurance to me means being able to take care of my
family if something tragic happens,” he said. “Ashley is a
stay-at-home mom, and I know a situation like my death
would be especially devastating financially for her and our
daughter, Aubrey. I know that our life insurance would help
cover those expenses and provide support until they could
get back on their feet.”
Byrd echoes the importance of having enough life insurance,
although she knows cost can be an issue for some people
initially. “The number one thing I hear from people, before they
know much about life insurance, is ‘I can’t afford it,’” she said.
Shopping for Life Insurance
Here are some of the things to consider when
determining how much life insurance you need:
»» How much debt you’ve accumulated. For example,
if you want your family to be able to stay in your home,
you will need to be able to cover the amount of your
mortgage. And don’t forget credit card balances.
»» How much coverage – if any – you have at work.
(Remember, most coverage through an employer does
not stay with you if you leave your job.)
When meeting with prospective members, Byrd first tells
everyone that “no question is a dumb question.” She then
completes a needs analysis for them to learn their financial
situation. Many factors go into how much life insurance you
need. “It’s your Representative’s job to help you determine
how much you need and help you understand what you’re
buying,” she said.
»» Your ongoing monthly or yearly bills.
Often, people may think that they have enough insurance,
but in reality they find their coverage isn’t enough.
According to LIMRA and the Life and Health Insurance
Foundation for Education, an average American adult has
insurance coverage that equals four times that of his or her
annual income.2 That sounds like a lot, but given all the
things insurance pays for – and for how long – people often
end up needing more. 3 (See right for more information.)
»» The stage of life you’re in. Age, employment or
marital status, retirement goals, and more can affect
the amount you need.
The Farrs find their Family Term life insurance especially
fitting, since they are expecting their second child this
summer. When their new baby reaches the age of 15 days,
he or she will be automatically added to their Family Term
certificate. David appreciates how simple the process
of buying life insurance was, and looks forward to a
continued relationship.
“I like how they stay in constant communication by email
and mail,” he said. “Woodmen of the World really makes it
easy for you.”
Byrd knows that she’s been successful when she leaves
members with smiles on their faces. “They have a sense of
peace after purchasing because it’s one less thing they’ll have
to do, and they have that sense of protection,” she said. ::
»» The total cost of a funeral.
»» Standard of living. Even after final expenses and
debts are paid, you still need to replace lost income that
kept the household running.
»» Education plans for your children.
Completing a Needs Analysis
Talk with your Representative to determine how much
life insurance you need to purchase. Use the formula
below as a guide.4 Consider the amount of money you’d
need to cover costs now, as well as those in the future. You
may think you have enough insurance, but make sure it
covers everything you want for your loved ones.
Current & Future
Financial Obligations
–
Resources
=
Amount of Life
Insurance Needed
Final expenses
Savings
Outstanding mortgage
Investments
Other outstanding debts
Life insurance already owned
College costs
Spouse’s earnings
1. LIMRA International, Facts About Life 2011.
2. LIMRA International, Trends in Life Insurance Ownership, 2005.
3. “What you need to know about life insurance.” LIFE, 2009. Web.
http://www.lifehappens.org/pdf/printable-consumer-guide/life-insurance-pcg.pdf
4. Life Insurance Needs Calculator. LIFE Foundation. Web.
http://www.lifehappens.org/life-insurance-needs-calculator/
Woodmen of the World Fraternal Magazine 7
Newsworthy
Doise Elected to
Board of Directors
D
aryl J. Doise of Sunset, LA, has been elected
to the Board of Directors, effective Feb. 1,
2012. Doise currently serves as the Chief
Developmental Officer for CCI, a regional healthcare
provider based in Louisiana, and as President and
Owner of BDS Partners, LLC.
Prior to joining CCI in November 2011, Doise
served as the Executive Vice President and Chief
Development Officer for LHC Group, a publicly traded
national post acute care provider. “Daryl brings a great
background to Woodmen of the World,” said Danny
Cummins, President and CEO. “He has worked in the
healthcare industry and also has in-depth knowledge
of the marketing and operations sides of the business.
In addition, he brings tremendous financial expertise.”
Doise graduated with a Bachelor’s Degree in Business
Administration, with a major in Accounting, from
Louisiana State University in Baton Rouge. He then
received his MBA and graduated with honors from
Tulane University in New Orleans, LA.
A lifelong member, Doise was raised in a Woodmen
of the World household and is a son of former State
Manager Elery Doise. He is currently a member of
Lodge 238 in Lafayette, LA. He was appointed to
the National Fraternal Committee in 2010, and is
an active community volunteer. He works with the
Boys and Girls Clubs of Acadiana, and has been a
volunteer leader with the Boy Scouts, a member of the
Rotary Club, and a volunteer big brother for a local
family shelter. He has also served as a Board member
8 WOODMEN LIVING
Daryl J. Doise
and Chairman of the St. Landry Parish Chamber of
Commerce and as a Board member and Treasurer of
the Louisiana Hospital Association.
In his free time, Doise likes to travel, exercise and play
golf. He and his wife, Anne, have four children: Clay
Doise and wife, Linsey; Douglas Doise; Madeline
Trosclair; and Kate Doise. ::
Jones Named Vice
President, Fraternal
Steve Jones has been appointed
Vice President, Fraternal,
effective April 1, 2012.
Jones began his career with
Woodmen of the World in 1974
in the Membership Services
Division. For the next two
decades, Jones held positions of
increasing responsibility in the
Steve Jones
Accounting Division. In 2002,
he was named Vice President
and Manager of the Accounting Services Division. Starting in late
2006, Jones began coordination of special corporate initiatives as
directed by the CEO.
Smolinski Named Vice
President, Business
Technology
Jerry Smolinski has joined
Woodmen of the World as Vice
President, Business Technology,
effective Feb. 13, 2012.
Smolinski’s previous experience
includes being Chief Operations
Officer at DocuLynx; Chief
Jerry Smolinski
Technology Officer at
American Enterprise Mutual
Holding Company; Vice President, Management Information
Systems for World Insurance Company; and Programming
Manager at Creighton University.
Jones first joined Woodmen of the World as a member during
his childhood. He is currently a member of Omaha Lodge 16,
has held all lodge offices, including President, and has been
elected as a representative to multiple jurisdictional conventions.
Smolinski’s community involvement includes service as School
Board President at St. Stephens the Martyr; Finance Chair for
the Mid-America Contingent to the 2010 Boy Scout National
Jamboree; and Committee Chair of Current Wood Badge
(Advanced Adult Boy Scout Leadership Training).
In his free time, he enjoys playing golf and working with
computers. Jones is married to Gayle Schnackel and has three
sons, Blake, Cory and Ethan; a stepdaughter, Nicole; and a
stepson, Philip. ::
In his spare time, Smolinski enjoys golf, hiking, working with
the Boy Scouts, and road and mountain biking. He and his wife,
Deborah, have two children, Jeffrey, 26; and Jaclyn, 23. ::
Day Retires
Vice President, Customer Relations Jim Day has taken retirement from Woodmen of the World,
effective June 1, 2012. He began his career in 1977 in the Systems and Planning Department.
He has been a member of Omaha Lodges 1 and 16, and has held every office in Lodge 16. Day is a Past
President of the Nebraska Jurisdiction, where he held all offices. In addition, he is Past Chair of the
National Fraternal Congress of America (NFCA) Resolutions and Credentials Committee, and past
chair of the Nebraska Fellow, Life Management Institute Society Scholarship Committee.
Jim Day
In his spare time, Day enjoys reading and sports, particularly baseball and golf. He and his wife, Sue, have
two sons, Jacob and Jonathan. ::
Woodmen of the World Fraternal Magazine 9
Photos by Lindsay Schaffer
Summer Camp Changes
Young Girl’s Life
10 WOODMEN LIVING
Member Spotlight
T
he morning of Oct. 13, 2008,
started out like many other days
for the Moseley family.
Baron Moseley arrived home from
work at 6 a.m. to find his wife, Sheri,
sitting on the couch, his six-month-old
son, Hunter, sleeping, and his eightyear-old daughter, Carolyn, getting
ready for school. But then things
changed forever. A few hours later, his
wife was pronounced dead at a local
hospital from a pulmonary embolism.
Following the sudden death of
his wife, Moseley put Carolyn in
counseling to help her cope with the
loss, but after a few months, he felt it
wasn’t really doing anything for her
anymore. “That’s when we received a
mailing for Woodmen of the World
Summer Camp in Bedford County,
VA,” he said.
After looking at the flier, Moseley
asked Carolyn if she was interested
in going to Camp Woodmen and
she said yes. So, Moseley sent in the
registration and a short time later, they
received their information.
“After receiving the packet, I contacted
the camp director because I had a
few concerns about sending Carolyn
away to camp for the first time,” said
Baron. “She had never been anywhere
without a family member, and she was
still dealing with the loss of her mom.”
The Camp Director was Virginia
Community Outreach Manager Scott
Koebel. “I received a call from Baron
Baron Moseley III and his children, Hunter and Carolyn, enjoy the great outdoors at
Woodmen of the World Camp in Bedford County, VA.
and he wanted to meet before camp to
discuss a few things and tell me about
Carolyn,” said Koebel.
Even though she was shy at first,
Carolyn quickly connected with the
other girls and counselors at camp.
“I probably kept a closer eye on her
because of her situation, but she was
happy the entire time,” said Koebel.
“Baron later told me that Carolyn
even felt like she had new moms with
the female counselors.”
Carolyn ended up spending two
weeks at camp that first summer, and
a few months later, Scott received
another call from Moseley. “He
called to thank us again and said we
were changing his daughter’s life,”
Koebel said. “He said the therapist
believed Carolyn’s life would be very
different if she hadn’t attended camp
when she did.”
Today, Woodmen of the World
Summer Camp is always part of the
Moseleys’ game plan. “We organize
our summer schedule around camp.
It has provided some stability in our
life, and has helped Carolyn move on,”
said Moseley. “She’s already looking
forward to working there when she’s
old enough.”
When asked to summarize how
Woodmen of the World has helped
his family, Moseley replied, “Summer
Camp truly changed my daughter’s
life, and the organization’s core values
are something I truly believe in. As
long as I can remember, I’ve been a
Woodmen of the World member.
It’s always been part of my life and it
always will be.” ::
For more information
about Camp Woodmen
in your area, contact your
local Representative.
Woodmen of the World Fraternal Magazine 11
Woodmen of the World is inspired by our nation’s history, and proud of our
organization’s legacy. Our strength is visible in more than numbers; it’s in our
members. We help them celebrate their sense of patriotism every day, and
repay the trust they have in us by being good stewards of their money.
Fraternal Service Report
Annual Reports contain a lot of statistics about financial strength, but we believe fraternal strength is just as
important. We know the dollars represented in these pages are really yours. Having assets only means something
if we’re willing to help our members who need it. Fraternal activities and events are how we demonstrate our
commitment to our members on a community level. Fraternal benefits are how we show we care on a personal level.
Community Service
Member Benefits
Make A Difference Day
Youth/Senior Camp
255 participating lodges
More than 6,600 attendees
Flags Across America
Natural Disaster Benefit
381 participating lodges
$
117,026 in benefit payments
Join Hands Day®
Orphan’s Care Benefit
351 participating lodges
$
32,375 in benefit payments
In Honor and Remembrance
Newborn Benefit
475 ceremonies conducted
$
Matching Funds Program
Prescription Drug Discount
2,426 projects in support of individuals, families and communities
$
American History Trophies & Plaques
Catastrophic Illness Benefit
3,385 presented to students or placed in schools
$
American Patriot’s Handbooks
First Responders Benefit
40,098 presented to schools, libraries and newly naturalized citizens
$
United States Flags
145,658 flags presented to non-profit groups, schools and communities
12 WOODMEN LIVING
10,000 in benefit payments
330,375 saved by members
946,000 in benefit payments
25,000 in benefit payments
Financial Highlights
Woodmen of the World’s financial performance in 2011 included income of nearly $1.2 billion. The volume of
life insurance issued in 2011 was more than $2.9 billion. Life insurance in force reached a record $35.8 billion.
Woodmen of the World has total assets of $9.3 billion, and $109 of assets for every $100 of liabilities, further
indication of our strong financial position. Benefit payments to members and beneficiaries totaled $498 million,
including more than $178 million in death benefits. Refunds to members were nearly $130 million.
Dec. 31, 2010
Dec. 31, 2011
747,996,438
$ 746,010,123
410,885,577
417,157,466
25,367,760
24,830,178
$ 1,184,249,775
$ 1,187,997,767
$
$
Sources of income
Payments received from members for insurance and annuities
$
Interest, dividends and rents less investment expenses and taxes
Other income
T o ta l
How income was used
Death benefits
Endowment benefits
172,934,626
178,049,881
1,976,385
2,252,671
172,656,530
178,171,826
9,622,076
9,372,887
35,744,340
40,638,776
Refunds to members of certificate values
129,723,306
129,632,235
Refunds to members
107,121,789
89,627,443
Set aside for members and beneficiaries to guarantee payment of future benefits
364,512,472
367,424,410
Annuity benefits
Disability and hospital benefits
Payments to members and beneficiaries of monies previously deposited with the Society
T o ta l paid to or set aside for members and beneficiaries
$
994,291,524
$
995,170,129
Fraternal benefits
$
1,867,010
$
1,969,997
Civic and community welfare, and fraternal expense
27,567,111
28,609,563
Federal, state and other taxes (insurance)
6,970,074
6,792,904
49,416,679
49,518,432
104,137,377
105,936,742
$ 1,184,249,775
$ 1,187,997,767
Compensation to Field Force for fraternal activities and securing new members
Insurance expense
T o ta l
How Strong Is Woodmen of the World?
$9.3 billion in assets
More than $800 million in surplus
Rated A+ (Superior) by A.M. Best
Woodmen of the World Fraternal Magazine 13
13
Assets
Assets
Dec. 31, 2010
Dec. 31, 2011
Bonds
$ 6,018,206,814
$ 6,263,377,632
473,526,968
461,703,209
1,328,764,197
1,377,237,696
Real Estate
88,932,609
90,553,114
Other Invested Assets
23,794,112
488,172,807
Short Term Investments and Cash
159,199,225
189,173,518
Certificate Loans
170,643,840
170,740,710
Data Processing Equipment
1,202,604
679,634
Other Non-Invested Assets
1,569,933
1,202,529
83,029,213
82,863,674
221,698,285
214,967,776
$ 8,570,567,800
$ 9,340,672,299
Common Stock
Mortgage Loans
Due & Accrued Investment Income
Separate Account Assets
Total Admitted Assets
$9.3
$498
Assets
$2.9
MILLION
BILLION
BENEFIT
PAYMENTS
ISSUED
VOLUME
Distribution of Assets
10-year history
Certificate Loans
1.8%
$ of Assets (Billions)
Real Estate
1.0%
Cash & Short-Term
2.0%
$ 9. 3 4
$8.57
$ 8 .0 7
$7.58
$ 7 . 65
$7.47
$ 7 .2 1
$6.87
$6.44
$5.91
Separate Accounts
2.3%
Stocks
4.9%
Other
6.2%
Bonds
67.1%
Mortgage Loans
14.7%
2002
2003
14 WOODMEN LIVING
2004
2005
2006
2007
2008
2009
2010
2011
Liabilities
Liabilities
Dec. 31, 2010
Dec. 31, 2011
$ 6,726,416,541
$ 7,097,179,949
Certificate Claims
28,594,442
36,019,902
Certificate Refunds
360,942,713
344,263,205
Advance Payments
10,194,455
10,893,547
Asset Valuation Reserve
119,447,170
106,019,926
Other Liabilities
203,771,036
726,818,133
Separate Account Liabilities
221,698,285
214,967,776
$ 7,671,064,642
$ 8,536,162,438
899,503,158
804,509,861
Total Liabilities And Special Reserves
$ 8,570,567,800
$ 9,340,672,299
Dollar of Assets to Every $100 of Liabilities
$
$
Insurance In Force
$ 35,350,796,890
$ 35,826,242,307
Life Insurance Issued
$ 2,952,648,334
2,927,714,916
Benefit Payments
$
Certificate Reserves
Total Liabilities
Special Reserve for Fluctuation of Assets, Mortality, Interest & Expense & Fraternal Activities
Insurance in Force
112
486,912,923
2005
2010
2011
2004
2005
2006
$800
2010
2011
$517
$822
2002
$746
2004
$748
2003
$538
2003
$579
$696
2009
$695
$ 3 4.9
2008
$714
$ 34 .7
2007
$3 5 . 8
$ 34 .7
2006
$3 5 .4
$ 3 4 .4
$ 34 . 0
$ of Assets (Millions)
$ 3 3 .3
$ of Assets (Billions)
$3 2 .8
10-year history
2002
497,479,500
Premium Income
10-year history
$ 3 2 .4
$
109
2007
2008
2009
Woodmen of the World Fraternal Magazine 15
15
fraternal spirit
S ubmit Photos to:
photos@woodmenmag.com
Lodge 154 Mesa, AZ
The granddaughters of Representative Jesus M. Garcia, who sold insurance from 1925 until his death in 1968, gather every
year for a first-cousin reunion.
Lodge 7 Hamburg, AR
Lodge members presented flags and conducted a flagpole
dedication ceremony at the Milo Fire Department, along
with the Monticello VFW.
16 WOODMEN LIVING
Lodge 33 Burlington, IA
Lodge members presented a $2,500 check to Community
Action of Southeast Iowa.
Lodge 28 Brownville, TN
Lodge members presented an American flag to the Sugar
Creek Retirement Center.
Lodge 268 Lake City, SC
Lodge 467 Westchester, NY
Member Emily Caroline Floyd was named Teen Miss South
Carolina and competed in the Miss Teen America contest
in Nashville in April.
Representative Sharon Millard and lodge members helped
an Eagle Scout with his project.
Lodge 226 Whittier, NC
Lodge 100 Carrollton, GA
Representative Bill Moore presented an American flag to
Linda Morgan, Director of Broyhill Children’s Home.
Lodge members presented an American flag to Central
Middle School.
Woodmen of the World Fraternal Magazine 17
Fraternal Spirit
Lodge 279 Pittsburg, TX
Lodge President D.C. Brummell and member Judy
Worthen displayed the Flag of Honor at the American
Legion Post 422, where the lodge had also presented a flag.
Lodge 254 Charleston, WV
Lodge members presented an American flag to the
Lions Club in Kenna, WV.
Lodge 888 Lexington, KY
Members Danielle and Becky McNew were bowled over by
the fun they had at the lodge’s bowling party.
18 WOODMEN LIVING
Lodge 4 Gardendale, AL
Representative Tamara Roberts (right) presented
American Patriot’s Handbooks to Judy Schaffer from
Brookville Elementary School.
Lodge 130 Tupelo, MS
Representative Ben Buchanan (left) presented a flag
to Community Development Foundation President/
CEO David Rumbarger and Project Manager Jon
Milstead in honor of their new building.
Lodges 341 Magnolia, AR
Lodge 923 Wallace, NC
Past President Carlos Evers had the privilege of installing his
granddaughter, Kalyn Krepick, as the newest and youngest
President of the lodge.
Lodge President Harvey Knowles (left), and Representative
Chuck Farrior (right), presented a flag to Duplin County
Sheriff Blake Wallace.
Lodge 47 Opelousas, LA
Lodge 803 Knoxville, TN
Members presented two flags to the Port Barre Honor
Guard, which is comprised of members of VFW Post 8678
and American Legion Post 334.
Lodge 1901 Notasulga, AL
Representatives West Bufford and Clayton Parrish
greeted potential members at the Loachapolka Syrup
Sopping Festival.
Members Kailyn Cordova and Emily Stevens attended
the American Legion Mid-Winter State Conference in
Nashville. Kailyn is President and Emily is Vice President of
the Jr. Auxiliary Knoxville Unit.
Lodge 371 Newton Grove, NC
Representative Billy Daughtry presented a check to the
Honors English class at Hobbton High School to help
fund their trip to England. Member Sara Lee, class teacher,
accepted the check.
Woodmen of the World Fraternal Magazine 19
Fraternal Spirit
Lodge 373 Ackerman, MS
Lodge 82 Milan, TN
Representative Jerry Hemphill (right) presented a flag
to Ackerman High School Athletic Director Adam
Dillinger (left) and Principal Cory Blaylock.
Lodge Treasurer Teresa Stephens presented a check to
Milan High School administrators. The check was the prize
for a contest of building a structure out of donated canned
foods for the needy.
Lodge 1916 Camden, AL
Members partnered with the Camden Church of God to assemble 527 fruit bags that were delivered to home health
residents in the surrounding counties.
Lodge 737 Bethune, SC
Members coordinated a Star Lab event at Bethune
Elementary School.
20 WOODMEN LIVING
Lodge 1770 Bloomingdale, GA
Representatives Tim Terrell (left) and Mary Redmond
presented a flag to Jared Morris and Lacey Fischer from the
Georgia Hunting and Fishing Federation.
Lodge 1498 Ozark, AL
Youth members waved flags in a Christmas parade.
Lodge 6 Cumberland, MD
Members presented two flags to Frankfort High School
students and administrators.
Lodge 1 Alburg, VT
Representative Paul Daniels presented a $500 check to Karen
Nevin of the Mad River Valley Community Organization. The
money will help with rebuilding areas in Moretown, which
experienced devastating floods following Hurricane Irene.
Lodge 698 Salyersville, KY
Members presented flags to Flat Gap Baptist Church in Paintsville.
Lodge 1775 East Dublin, GA
Area Manager Jimmy Bailey recited the Pledge of
Allegiance with Royal Ambassador group members from
Blue Springs Baptist Church in Rockledge.
Lodge 462 Chazy, NY
Representative Mike Bushey and members of the
Chazy Key Club display food they collected for Make
A Difference Day.
Woodmen of the World Fraternal Magazine 21
Fraternal Spirit
Lodge 1901 Notasulga, AL
Lodge 356 Glenwood, IA
Lodge members presented a $500 check to Austin Ledbetter
(front center) after a benefit to raise money to pay for medical
bills. Austin is awaiting a second heart transplant.
Lodge Vice President Wyatt Joy and Community Outreach
Manager Jennifer Kreifels displayed the banner that was
featured on the lodge’s Glenwood Homecoming Parade float.
Lodge 900 Crossville, TN
Lodge 1075 Loris, SC
Lodge members presented 10, $500 checks to various
charitable organizations in their community at a
recent meeting.
Lodge 1180 Blairsville, GA
Lodge members presented a framed Flag of Honor to
Union County for display in the new community center
in Blairsville.
22 WOODMEN LIVING
The 2012 lodge officers posed for a photo after
their installation.
North Carolina East Fraternal Corporation
Members in the area sponsored the opening ceremonies
of the Second Annual Kinston/Lenoir County
Freedom Classic.
member news
From “Basketball Guy”
to Star QB
G
rowing up, Greenbrier (AR) High School
quarterback Neal Burcham, a member of Lodge 5
in North Little Rock, was a basketball guy. It was the
sport his family played and what he liked to do. He played AAU
basketball every summer, and always had a ball in his hand.
Then in third grade Neal thought he might like to try football,
so he did that until fifth grade, thinking he’d focus on
basketball again in sixth grade. But football wouldn’t be denied.
“He actually blames me for trying to steer him away from
football, but he had a passion for it,” said Jim Burcham, Neal’s
father. “Plus, I had people telling me he could be as good at
football as he was at basketball.”
So, after some initial doubts about which sport he truly
wanted to focus on and play in high school, a new football
coach triggered Neal Burcham’s decision.
“Coach Tribble talked to me and said I had a chance to be
good,” he said. “So, I flipped the page and went from basketball
to football. I did a 180 and didn’t expect it, but Coach saw
something in me I didn’t even see myself.”
That something was the skill, character and athleticism
that led Burcham to be recognized as co-MVP at
ESPN’s Elite 11 finals, the country’s premier high school
quarterback competition. “Honestly, I was a little shocked
when I got the phone call that I’d made the top 11,” said
Neal. “I’d been to their regional camp and felt good about
it, but I was kind of skeptical. But of course, I always had
that hope.”
The Elite 11 has historically been an indicator of future
National Football League (NFL) success. Of the 32
starting quarterbacks in the NFL in 2011, 22 came through
the Elite 11 program.
Neal Burcham, Greenbrier, AR
After the Elite 11, scholarship offers started coming in
from schools that wanted Burcham to join their team. In
February, he signed his national letter of intent to play for
Coach June Jones and the Southern Methodist University
(SMU) Mustangs.
“I’m really looking forward to everything about it,” said
Burcham. “I keep hearing good things about the team aspect
of college football, and it will be great to work with Coach
Jones and the others.”
Following graduation in May, Burcham reports to SMU
in June to get a jump start on classes before football
season officially kicks off. “I know other people are
looking at me to do well, so I’m going to go out and be the
best that I can be,” he said. ::
Woodmen of the World Fraternal Magazine 23
24 WOODMEN LIVING
Robertson
Kicks for Cash
Member selected to compete at BBVA Compass Bowl
H
ow would you feel kicking a
field goal in front of 30,000
people? Community Outreach
Manager Philip Robertson had the
opportunity to find out. He was one
of three people selected to participate
in a punt, pass and kick competition
during the 2012 BBVA Compass Bowl
in Birmingham, AL, on Jan. 7.
Woodmen of the World was also a
sponsor of the game, which featured the
SMU Mustangs and Pittsburgh Panthers.
“I was working our booth in the fan
fest area and I was asked to enter a
drawing to compete at halftime of the
game,” said Robertson. “Just before
we were heading into the stadium on
game day, they called to let me know
I was selected. At first I wasn’t sure if
I wanted to compete because I hadn’t
punted or kicked a football since
college, but a friend convinced me that
I had to do it.”
After agreeing to compete, Robertson
was told to be at a specific place right
before halftime. Only then did he meet
his fellow competitors. “It was me, a
woman from Mississippi, and a college
student from Pittsburgh,” he said. “They
explained how everything would work
and gave us these cool jerseys to wear
when we took the field.”
The competition itself consisted of
punting, passing and kicking a football.
The two who punted the ball the greatest
distance would then advance to passing.
The one who threw the ball the farthest
would then have the opportunity to
kick a field goal to win the big prize of
$25,000 for a local high school.
“They assigned us each a local high
school that we were competing for,” said
Robertson. “My school was JacksonOlin and their assistant principal was
there to cheer me on.”
After punting the football, the field
narrowed to Robertson and the college
student. But before they threw for the
passing competition, the college student
shared a thought with Robertson. “The
young man from Pitt said his fraternity
buddies would give him a hard time if
this old man beat him,” he said. And
that’s exactly what Robertson did – he
beat him.
“At that point, I was thinking I might
actually have a chance of winning this
thing,” said Robertson. “I figured I
would just have to make a 20-30 yard
kick off a tee for the money.”
However, the referee told Robertson it
would be a 52-yard kick with a young
woman holding the ball. “I asked the
referee if he was sure it was from here
with an inexperienced holder holding the
ball,” he said. “And then I thought there’s
no way I’ll hit it that far off the ground.”
In seeing the young woman’s
nervousness about holding the football,
Robertson tried to reassure her that
he’d done this before. “I told her not to
be nervous and that I wouldn’t hurt her,”
he said. “And then I just went for it.”
Unfortunately, as soon as Robertson
stepped into his kick, the woman let go
of the ball and it squibbed off under the
goal post. “Even with missing the kick,
it was neat to have the chance to win
this thing,” he said. “And the school still
received $5,000 and I won $500.”
The game also provided Robertson
with contacts at each of the
participating high schools. “In making
that connection at the game, I’ve told
them about our American History
Awards, flag presentations, and other
programs,” he said.
Robertson also said it was cool to see
Woodmen of the World represented so
well during the game. “Every time there
was a replay on the Jumbo Tron, it was
a ‘Woodmen of the World’ replay,” he
said. “It was great to see us getting that
kind of exposure.” ::
Editor’s Note: For news on one of SMU’s
newest football recruits – see page 23.
Woodmen of the World Fraternal Magazine 25
Member News
A Camp Love Story
Once Upon a Time
A member since 1970, Carol had been attending Youth
Camp since 1972. Curt, who has been a member since 1976,
attended his first Youth Camp in 1977 at age 16 as a staff
member. It was there that the two first met and became
friends. Over the years, they saw each other at Woodmen of
the World social events and family functions, and they even
served as fill-in dates for each other. Curt married another
friend from camp in 1988 and then divorced in 2001.
Through it all, he and Carol remained friends.
Carol Yeater-Anderson (back row, fifth from left) met and
married Curt Anderson (back row, third from right) at the
Youth Camp in Nevada City, CA.
“What took you guys so long?”
T
hat’s the reaction that Carol Yeater-Anderson, a
member of Sacramento Lodge 339, and Curt
Anderson, a member of Vacaville Lodge 369, Fraternal
Coordinator Northern CA/Northern NV and CoDirector Northern CA/Northern NV Youth Camp, heard
from their friends when they finally got married. The
journey to their wedding started at Youth Camp in 1977 at
Camp Gold Hollow in Nevada City, CA, and culminated
on June 11, 2011, in that same location.
26 WOODMEN LIVING
In January 2009, the friendship turned to something more,
and the two began dating. By December, they were engaged.
“It was unexpected,” Curt said.
“I don’t know why it happened when it did,” Carol echoed,
“but I am really thankful.”
A Wedding to Celebrate
The happy couple made the decision to celebrate their
wedding in the place where it all began – Camp Gold
Hollow. They hosted a three-day wedding weekend
there. Guests were invited to stay and camp, and Curt’s
mom provided the rehearsal dinner, as well as a wedding
breakfast on Sunday morning. Curt’s best friend, Jon
Nelson, the Co-Director of the Northern CA/Northern
NV Youth Camp, presided over the ceremony.
Nelson had some fun with the couple during the service.
When he was given the ring to bless, he looked out at the lake
behind him, commented that the ring would make a good
fishing lure, and tossed it into the lake. The shocked bride
and groom soon learned that it was a fake, and the ceremony
continued with the real thing. Later, at Youth Camp, one of
the lifeguards found that fake ring and brought it to Curt.
The couple now has it in a frame in their home.
Happily Ever After
The Andersons feel blessed to have joined their lives
together. Carol is thrilled to have become a stepmom to
Curt’s two children. Cristin, 23, just graduated from the
University of New Mexico in Albuquerque. Bobby, 20, lives
with them in Citrus Heights, CA. The couple is planning a
honeymoon trip to England in 2013.
Both remain active Woodmen of the World members and
can’t imagine their lives any other way. “They are my second
family,” said Carol. “I know there are people I can count on
when I need them.”
Curt agrees. “I love the people and the fraternalism,” he said.
“My wife and my best friend are part of it. That says it all.” ::
The Andersons are thankful for their relationship, which began
more than 30 years ago at Camp Gold Hollow.
Woodmen of the World Fraternal Magazine 27
Member News
For the Love
of Music
Roy Webb of Lodge 93 in Bristol, TN, is a trailblazer.
Webb, who is celebrating his 90th birthday this year,
earned a Lifetime Achievement Award from the
Appalachian Cultural Music Association (ACMA) at the
15th Annual Leon Kiser Memorial Tribute show in 2011.
In addition to the acclaim, his love of music has brought
him a lifetime of great memories.
From Humble Beginnings
As a child, Webb enjoyed listening to the radio, which led
to his interest in music. At the age of 12, he began to play. “I
managed to buy a mandolin and learned how to play it,” he
said. He also taught himself to play guitar. Later, he began
playing with a good friend, who went by the stage name of
Curley King. In 1935 – at the tender age of 13 – the two got
together with two other musicians and formed Curley King
and the Tennessee Hilltoppers.
The group entertained fans throughout the region with their
bluegrass sound. Although they stayed mostly within driving
distance of Bristol, the traveling still took its toll. “We had
trouble keeping the fiddle player, so I got a fiddle and learned
to play that, too,” he laughed.
Musical Pioneers
In 1946, Curley King and the Tennessee Hilltoppers made
history by becoming the first band to play on WCYB Radio’s
Farm and Fun Time Show. The show was a 15-minute
program of country music and bluegrass tunes. At that time,
the station was broadcast live from a studio at the General
Shelby Hotel in Bristol.
The impact of Curley King and the Tennessee Hilltoppers
28 WOODMEN LIVING
Roy Webb, Bristol, TN
was a key factor in Webb receiving the ACMA Lifetime
Achievement award last year. At the award presentation,
Webb was further honored when Grammy Award winner
Ricky Skaggs came to town for the festivities. Webb had met
Skaggs previously after Skaggs purchased a mandolin that
Webb once owned. Webb bought that mandolin for $125,
and when he stopped playing on a regular basis, he sold it
to Pee Wee Lambert from the Stanley Brothers for $200.
Lambert eventually sold it again, and somewhere along the
line, it became damaged. Skaggs bought it, had it restored and
repaired, and decided to track down its history. That search
led him to Webb. Skaggs is now writing a book about the
history of that mandolin. “He still plays it,” said Webb. “He
won’t let anyone else touch it.”
The Music Plays On
Married for 27 years to his wife, Sue, Webb has five children
and three stepchildren. Between them, the couple has 14
grandchildren and 18 great-grandchildren. He has been a
member of Woodmen of the World for more than 50 years.
Webb stopped making his living from music in 1947, but
has continued playing throughout the years. When he isn’t
playing, he enjoys listening to it, and has a large collection of
country, bluegrass and gospel music. ::
Member News
Dream Comes True for
Kentucky Cheerleader
S
ince the age of four, when she attended her first
cheerleading clinic, Lauren Bosler was hooked. By age
six, she had perfected her cartwheels, and got involved
in the sport at her school.
“I like everything about cheerleading,” she said. “It’s nice
to create that bond with the members of your team, and
to give back to the school through our fundraising and
community service.”
As a high school student at Sacred Heart Academy
in Louisville, KY, Lauren has been a member of the
cheerleading squad for four years. Last year, that
involvement led to a special opportunity – the chance to
perform in the annual Macy’s Thanksgiving Day Parade.
“I’ve watched the parade since I was a little girl, and when
I’d see the cheerleaders, I knew it was something I wanted
to try and do,” Lauren said.
things,” Lauren said. “It’s something you always hear about,
but to actually see the production in person was really cool.”
Not surprisingly, Lauren’s favorite part of the trip was the
parade itself. “There were 4 million people along the route
to watch the parade, and I’ve never seen that many people
in one place before,” she said. “And seeing the celebrities
who were along the route was somewhat surreal.” One
of the people she saw was former New York City Mayor
Rudy Giuliani, whom she had actually met during a
previous internship.
Following the parade, Lauren returned home to Louisville
to finish her senior year and attend the UCA National
Cheerleading Competition in Orlando with her team.
“Since this is my last year of cheerleading, it was nice to go
out in a good way,” she said. ::
Lauren was invited to apply to participate in the parade after
attending a UCA (Universal Cheerleaders Association)
camp with her squad. Overall, 650 cheerleaders from
across the country were selected for the honor, with Lauren
being one of only three from the state of Kentucky. “I was
absolutely thrilled and excited when I learned I’d been
selected,” she said. “To have a lifelong dream become reality
was such a neat thing.”
To participate in the parade, Lauren traveled to New York
City with her father, Woodmen of the World Board Member
Dr. James Bosler III, on the Saturday before Thanksgiving.
“We went as a father/daughter trip and it was a neat
experience,” Dr. Bosler said. The cheerleaders then
rehearsed every day, with midday breaks where they got to
explore and experience New York City.
One of those experiences included taking in a Broadway
show. “Going to see ‘Sister Act’ was one of my favorite
Dr. James Bosler III and his daughter, Lauren, experience the
holiday lights at Rockefeller Plaza in NYC.
Woodmen of the World Fraternal Magazine 29
Member News
Promoting Patriotism Across America
I
n 2011, Woodmen of the World
reached a new milestone by presenting
more than 124,000 flags to schools
and organizations across the country.
These presentations – in addition to
Flags Across America Day, In Honor
and Remembrance ceremonies, and
the distribution of American Patriot’s
Handbooks – are just a few of the ways
your lodge can celebrate and promote
patriotism in your community.
Lodge 1218 of West Monroe, LA, got
the “real” Forrest Gump to help them.
On Nov. 1, 2011, Medal of Honor
recipient Sammy L. Davis addressed
800 students at three events organized
by Representative Tony Brinkmeier,
Davis’ stepson.
Davis’ military service served as the
inspiration for the 1994 movie, “Forrest
Gump,” with the actual footage from
his Medal of Honor presentation being
included in the film. “The part of the
movie that focuses on Forrest’s military
experience is directly based on my Medal
citation,” Davis said.
In addition to providing the subject
matter for his presentations, Davis’ part
in Hollywood history has led to lasting
relationships. “Since the movie, Gary
Sinise (who played Lt. Dan in the film)
and I have actually become good friends,”
he said.
Speaking From His Heart
One thing Davis remembers about
that day in Louisiana is "the look in the
eyes of the children as I was talking to
them,” said Davis. “As I was sharing how
30 WOODMEN LIVING
Reuben (left) and Benjamin Brinkmeier say the Pledge of Allegiance alongside their grandpa,
Sgt. Sammy Davis, during an event at Highland Elementary School in West Monroe, LA.
I feel in my heart and the love I have for
this country, I could see the light bulbs
coming on.”
Another thing Davis remembers is a
question asked by an elementary student.
“I always include a time for Q & A, and
I say they can ask me anything,” he said
with a chuckle. “I’ve met every U.S.
President since Johnson, and that’s what
they usually ask about. But one little
boy stood up and asked, ‘When did the
Titanic sink?’”
Davis and his wife, Dixie, spend more
than 200 days a year traveling and
speaking to various groups. “It makes my
heart feel good that I’m still able to serve
my country in this capacity,” Davis said.
“I’ll often run into these children down
the road and they say I inspired them to
join the military or serve their country in
some capacity. But really, they inspire me.”
When asked to summarize what
patriotism means to him, Davis replied:
“Standing up formally for what you
believe is true and correct in your heart. I
believe in my country, what it represents
and what it stands for.”
You may not know a Medal of Honor
recipient or anyone who has been
featured in a movie, but think of the
people you do know and leverage them
when planning a patriotic event in your
community. Leverage your contacts in
your local VFW, Boy Scout troops, city
government, etc., to find a speaker or
unique angle to make your event stand
out from the rest. ::
Make a Statement!
You can also make a big impact by renting
Woodmen of the World’s Traveling Flags.
There is a 50-ft. x 100-ft. and a 30-ft. x 60-ft.
flag available. To rent one or both flags
for your event, complete the request form
found on woodmen.org under Members &
Community and then Patriotism.
Member News
Revisions to the Jurisdictional Bylaws
Adopted by the Board of Directors
Effective January 25, 2012
Following is a summary of revisions to Woodmen of the World’s Jurisdictional Bylaws, which were adopted by the Board of
Directors. The full text can be viewed on our website, woodmen.org.
By Matthew E. Ellis,
Vice President and General Counsel
Established Jurisdictions
Woodmen of the World
The territory in which Woodmen of the World is authorized to do business shall be divided into units known as Jurisdictions and
the same shall be as follows:
(1) Jurisdiction of Alabama, composed of the State of Alabama.
(2) Jurisdiction of Arizona, composed of the State of Arizona.
(3) Jurisdiction of Arkansas, composed of the State of Arkansas
and the counties of Boone, Cass, Clay, Greene, Howell, Jackson,
Livingston, and Platte, Missouri.
(4) Jurisdiction of California, composed of the States of California,
Hawaii and Nevada.
(5) Jurisdiction of Florida, composed of the State of Florida.
(14) Jurisdiction of New Mexico, composed of the State of New
Mexico and the counties of El Paso and Hudspeth, Texas.
(15) Jurisdiction of the Northeast, composed of the States of New
York, Connecticut, Massachusetts, Rhode Island, Maine, New
Hampshire, and Vermont.
(16) Jurisdiction of North Carolina, composed of the State of
North Carolina.
(17) Jurisdiction of Ohio, composed of the State of Ohio.
(6) Jurisdiction of Georgia, composed of the State of Georgia.
(18) Jurisdiction of Oklahoma-Kansas, composed of the States of
Oklahoma and Kansas.
(7) Jurisdiction of the Great Lakes, composed of the States of Illinois,
Indiana and Michigan, and the counties of Audrain, St. Charles
and St. Louis, Missouri.
(19) Jurisdiction of Pennsylvania, composed of the State
of Pennsylvania.
(8) Jurisdiction of Iowa, composed of the States of Iowa, Minnesota
and Wisconsin.
(9) Jurisdiction of Kentucky, composed of the State of Kentucky and
the county of Dunklin, Missouri.
(10) Jurisdiction of Louisiana, composed of the State of Louisiana.
(11) Jurisdiction of the Mid-Atlantic, composed of the States of
Delaware, Maryland, New Jersey, and the District of Columbia.
(12) Jurisdiction of Mississippi, composed of the State of Mississippi.
(13) Jurisdiction of Nebraska, composed of the States of Nebraska,
North Dakota, South Dakota, and Colorado.
(20) Jurisdiction of South Carolina, composed of the State of
South Carolina.
(21) Jurisdiction of Tennessee, composed of the State of Tennessee.
(22) Jurisdiction of Texas, composed of the State of Texas except for
the counties of El Paso and Hudspeth.
(23) Jurisdiction of Virginia, composed of the State of Virginia.
(24) Jurisdiction of West Virginia, composed of the State of
West Virginia.
(25) Jurisdiction of the Northwest Territory, composed of the
States of Washington, Oregon, Idaho, Utah, Wyoming, Alaska,
and Montana.
Woodmen of the World Fraternal Magazine 31
lodge leader
Fraternally Speaking
You Make the Difference
All of our
members make
an impact by
getting involved
with their
lodges and
improving their
communities.
Larry King
Regular
participation in
activities is a great way to help Woodmen
of the World maintain our position as
a standout fraternal organization now
and in the years ahead. Plus, fraternalism
is fun. Getting together for food and
fellowship is a big reason why so many
people enjoy becoming Woodmen of the
World members.
In order to sustain vibrant, active lodges,
we also need efficient leaders to help us
grow our membership. Are you doing all
you can for your lodge? Are your lodge’s
members engaged and excited about the
opportunities that exist? Your attitude and
enthusiasm can affect whether or not new
members decide to join us.
To help build membership, a new member
contest is under way to challenge all lodges
to boost their numbers. I’m excited to
report the first quarter’s results and want
to extend a hearty round of applause to the
25 lodges that top the list with the most
new members issued.
32 WOODMEN LIVING
With more than 1,200 lodges, it’s no
small feat to make this list. Please join
me in congratulating our overall winner
– Lodge 28 in Bainbridge, GA – and the
other winning lodges. They have done a
fine job of attracting members, and I hope
to see this growth continue.
Our first quarter contest may have
ended, but additional quarterly contests
will take place this year and repeat
winners are possible. Lodges can receive
up to an additional $1,500 in Matching
Funds, so keep at it. Watch the National
Honor Page in Woodmen Living magazine
for the details on our winners.
Dates to
Remember
May
•Fraternalist of the Year
nominations are due in State
Offices by May 1.
•Join Hands Day - Always
the first Saturday in May.
•Anniversary of Woodmen of
the World’s Youth Program May 12 (1903).
•In Honor and Remembrance
order forms will be mailed to
Lodge Secretaries in May.
June
Thank you to all of our great lodges and
members, who play such an important role
in keeping fraternalism alive at Woodmen
of the World. Through your efforts, we
remain strong.
•Fraternalist of the Year
nominations are due to the
Office of the Executive Vice
President, Fraternal by June 1.
Sincerely and fraternally,
•Flags Across America (Flag
Day) - June 14.
Larry King Executive Vice President, Fraternal
•Woodmen of the World’s
Anniversary - June 6 (1890).
Online Camp Registration
Kids, watch the mail for a
postcard invitation to register for
camp. Parents should then go
to woodmen.org/camps to get
more information and to register
their eligible children ages 8-15
for the fun summer experience
that Camp Woodmen offers.
National Honor Page
Congratulations to Our Top 25 Lodges!
We’re proud to announce the first winners of our new member contest! These outstanding lodges
had the most new members issued during the first quarter of 2012. The winners will receive $500
in additional Matching Funds added to their regular Matching Funds in November for their
2012 projects.
Don’t see your lodge on this list? Then get to work! The next contest period runs April through June 2012.
1. Lodge 28
Bainbridge, GA
145 New Members
10. Lodge 1087
Wilson, NC
55 New Members
19. Lodge 233
Arkadelphia, AR
44 New Members
2. Lodge 1180
Pineville, LA
118 New Members
11. Lodge 60
Fayetteville, NC
52 New Members
20. Lodge 1025
Elbridge, NY
43 New Members
3. Lodge 105
Sealy, TX
85 New Members
12. Lodge 553
Cornelia, GA
52 New Members
21. Lodge 1218
West Monroe, LA
43 New Members
4. Lodge 72
Tyler, TX
71 New Members
13. Lodge 6
Wilmington, NC
50 New Members
22. Lodge 47
Los Angeles, CA
43 New Members
5. Lodge 1446
Gulfport, MS
69 New Members
14. Lodge 16
Omaha, NE
50 New Members
23. Lodge 8
Butler, PA
42 New Members
6. Lodge 1
Honolulu, HI
67 New Members
15. Lodge 3668
Orange Grove, TX
49 New Members
24. Lodge 143
Clarkesville, GA
42 New Members
7. Lodge 883
Faceville, GA
66 New Members
16. Lodge 3
Jacksonville, FL
46 New Members
25. Lodge 1016
Plattsburg, NY
42 New Members
8. Lodge 2619
Weslaco, TX
63 New Members
17. Lodge 93
Ider, AL
46 New Members
9. Lodge 210
Nacogdoches, TX
58 New Members
18. Lodge 2126
Corpus Christi, TX
45 New Members
Lodge
Centennials
Lodge 612
Hessmer, LA
June 17, 1912
Lodge 237
Milano, TX
April 3, 1912
Lodge 2619
Weslaco, TX
June 6, 1912
Lodge 179
Wylliesburg, VA
April 3, 1912
Note: In the event of a tie, net gain/loss of members was used to determine ranking.
Woodmen of the World Fraternal Magazine 33
National Fraternal Committee Member Profile
Carter Enjoys
Staying Active
From lodge meetings and NFC
gatherings to summer camps
and community events, Michael
Carter enjoys being active with
Woodmen of the World.
A member of the National
Fraternal Committee since
Michael Carter
2010, Carter is grateful for his
role with that group. “Being on
the NFC gives me the chance to meet other members
and be exposed to a lot of ideas from different areas,”
he said. “I can then bring those ideas back to my lodge
and community.”
A member of Lodge 47 in Toccoa, GA, since 2003,
Carter said he chooses to be active with Woodmen of
the World for many reasons.
“I believe the organization has so much more to offer
its members than just insurance,” he said. “From our
local meetings and camps to flag presentations –
we’re always helping in any way possible with projects
in the community.”
Though his work as a full-time paramedic and deputy
coroner for the county doesn’t always correlate with
his Woodmen of the World involvement, Carter is
happy that his experience and training have come in
handy for some activities.
“While my job may not have a direct connection with
my Woodmen of the World roles,” he said, “I have used
some of my training at summer camp taking care of
bee stings and bandaging some cuts and scrapes.” ::
34 WOODMEN LIVING
Fraternal Outreach Profile
Leaving
a Trail
As the daughter of two former
Woodmen of the World
associates, you could say
Fraternal Coordinator Kaysi
Rhodes was destined to work
for the organization. “I’ve been
a member my entire life and I
received my 25-year pin in 2011,”
Kaysi Rhodes
she said. “I’ve been involved with
every aspect of Woodmen of the World since I was a
child, and I’m so proud to now work for the organization.”
Since accepting her position in April 2010, Rhodes has
enjoyed getting to know the members in Southeast
Texas and seeing the difference Woodmen of the World
makes in people’s lives. “It’s so inspiring to see how
much we’re able to contribute and be involved in our
communities,” she said.
Rhodes’ involvement includes everything from flag
presentations, community events, and lodge meetings
to Youth and Senior Camps. “I’d have to say the camps
are at the top of the list,” she said. “I love getting to
interact with our members in such a fun environment
for an extended time. I’m thankful for the memories we
make at Camp Woodmen.”
And when it comes to getting members involved,
Rhodes isn’t afraid to shake things up. “There is a
quote I heard by Ralph Waldo Emerson I thought was
inspiring. It said, ‘Do not follow where the path may
lead. Go instead where there is no path and leave a trail.’
I think if you’re struggling to get members involved,
try something new – change things up a bit,” she said.
“You have to make them aware of what’s going on and
remind them we’re here to make a difference.” ::
Woodmen of the Wor ld Life Insurance
Society
WOODMEN OF THE WORLD /OM
AHA WOODMEN
LIFE INSURANCE SOCIETY’S
EQUAL ACCESS POLICY
In order to ensure that all members
receive equal access to all of the ben
efits and privileges of
membership, Woodmen of the Wo
rld has implemented and reaf firms its
commitment to the following
Equal Access Policy:
Woodmen of the World/ Omaha Wo
odmen Life Insurance Society is an
Equal Access fraternal benefit
society. It is the policy of Woodmen
of the World/ Omaha Woodmen Life
Insurance Society to seek
qualified members on a nondiscrimi
natory basis and to provide all mem
bers with equal access to
events, fraternal benefits and all othe
r fraternal activities on a nondiscrimi
natory basis.
It is also Woodmen of the World’s
policy that any form of harassment
of any member on the basis of
race, color, religion, national origin,
sex, or any other protected class will
not be tolerated.
Procedures for Handling Member Com
plaints: Any instances of discr imination
or harassment involving
any member or Field associate of Wo
odmen of the World should be repo
rted immediately, in confidence
to Woodmen of the World’s EEO Com
plaint Administrator, Tonya Ludwig at
(800 ) 542-9756 , so
an investigation may be conducted imm
ediately. Ever y effort will be made to
promptly investigate all
allegations of discr imination or harassme
nt in as confidential a manner as poss
ible, and take appropriate
corrective action, if war ranted. Mem
bers found to be engaged in discr imin
ation or harassment in any
manner against another member on
the basis of his/her status as a member
of a protected category may
be subject to fines, loss of member priv
ileges, or expulsion from Woodmen
of the World. Likewise, lodges
found to be engaged in discr imination
or harassment against a member on
the basis of his/her status
as a member of a protected category
may be subject to char ter revocation.
Woodmen of the World
associates, Field associates or members
found to have engaged in discr imination
or harassment will be
subject to disciplinary action up to and
including termination.
Responsibilit y for Monitoring Equal
Access Policy: Vice President, Hum
an Resources Karla Gochenour
serves as the EEO Officer, and has prim
ary responsibility for the implementat
ion and enforcement of
Woodmen of the World’s Equal Acce
ss Policy and its communication to Lod
ge Officers, State and Area
Manager s, Field Representatives, and
other associates, who may have som
e involvement in lodge activities.
1-800-225-3108 • 1700 Farnam Stree
t, Omaha, NE 68102
• woodmen.org
Woodmen of the World Fraternal Magazine 35
fun zone
Have a good joke? Make your fellow fraternalists laugh.
Please send contributions to WLEditor@woodmen.org.
It’s Playtime!
Can you locate the words associated with outdoor fun and games that are hidden in the puzzle? Search up,
down, forward, backward, or diagonally. Find the answers to this puzzle on our website, woodmen.org, by
clicking on About, then Media Center, then Magazine. Enjoy!
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Word List
Backyard
Backyard
Fun
Barbecue
Jumprope
Bicycle
Lemonadestand
Bubbles
Park
Frisbee®
Run
Fun
Sprinkler
Games
36 WOODMEN LIVING
Barbecue
Hide
and seek
Games
Hopscotch
Junglegym
Ice cream truck
Merrygoround
Jump rope
Picnic
Jungle gym
Sandbox
Kickball
Sunshine
Laughter
Bicycle
Lawn
chair
Hideandseek
Lemonade stand
Kickball
Merry-go-round
Naturewalk
Nature walk
Playground
Outside
Scavengerhunt
Parade
Tag
Park
PicnicBubbles
Hopscotch
Playground
Laughter
Relay races
Outside
Roller skates
Relayraces
Run
Seesaw
Sandbox
Treehouse
Scavenger hunt
SeesawFrisbee
ScooterIcecreamtruck
Lawnchair
Sprinkler
Parade
Sunshine
Rollerskates
Tag
Scooter
Tree house
Waterfight
Water fight
Kids Say the
Darnedest Things
Thanks to Woodmen of the World member Nelda Locke of Houston, TX, for submitting this issue’s jokes,
which reflect her experiences over many years of working with children.
A little girl at the grocery store was sporting a most
While a mother was showing off her new baby girl, I
beautiful dress. “Where did you get that pretty dress?” turned my attention to her 4-year-old and asked him,
I asked her.
“Will you give me your new baby?”
“My aunt Marcy bought it for me,” she replied.
“Do you think you can tell her to buy me one just like
it?” I asked.
The girl eyed me top to bottom and replied, “Don’t you
think you wear a bigger size?”
•
Vincent was a very thoughtful 4-year-old. He was
looking out the window one cold winter day, observing
the bare trees. He turned and asked me, “Why do trees
wear all their leaves when it’s hot, and now that they
need to be warm they stand there with nothing on?”
•
On the way to kindergarten, two of our girls kept
fighting. Sylvia was determined to hit Gracie. I pointed
up toward the sky and explained that God could see
her from where He’s at. Sylvia stayed quiet the rest
of the way to school, but the moment we were in the
building she hit Gracie as hard as she could. Then she
pointed up to the ceiling and told me, “He can’t see
me from in here.”
“I won’t give her to you, but I’ll tell you what,” he
bargained. “I’ll sell her to you for a dollar.”
•
I went to spend a few weeks with my widowed
daughter and her two little girls. After being there a
few days, the younger one came to sit on my lap and
hug me. Trying to give me a loving compliment, she
said, “Grandma, it’s so nice having you here with us.
Why, it’s just like having a maid!”
•
A nice lady at a parent-teacher’s meeting gave my
granddaughter, Crissy, a piece of gum. Crissy’s mom,
who wanted to prompt her to say “Thank you,” asked
her this question: “What do you tell the nice lady?”
Crissy replied, “Oh, I forgot! I have a sister at home.
Can you give me one for her, too?”
•
My granddaughter, Crissy, loves me. She’s always
drawing me special pictures and homemade cards.
She decided that she wanted to be just like me when
she grew up. She came to me in her usual fashion to
tell me about it. “Grandma, when I get really old, I
want to be just like you: nice, fat and gray.” ::
Woodmen of the World Fraternal Magazine 37
in memoriam
Billy W. Armistead
Age: 67
Lodge 491, Hampton, GA
Otto H. Liebich Jr.
Age: 99
Lodge 144, Chicago, IL
Retired State Manager
Josie Watkins
Bohannon
Age: 66
Lodge 47, Toccoa, GA
William Jack (B.J.)
McKinley
Age: 40
Lodge 149, Granbury, TX
Faye C. Carter
Age: 90
Lodge 899, Jacksonville, FL
Kevin Joseph Morgan
Age: 30
Lodge 7, Hamburg, AR
Oliver Quinton
Couey
Age: 70
Lodge 7, Hamburg, AR
Evelyn Norene
Sager Selph
Age: 83
Lodge 13, Conroe, TX
Calvin Jackson
Griffis
Age: 75
Lodge 7, Hamburg, AR
Richard (Dick) Sherman
Age: 65
Lodge 3, Phoenix, AZ
Former Jurisdictional Secretary
Earl F. Halterman Sr.
Age: 84
Lodge 50, Carbondale, IL
Rex Edward Tullos
Age: 77
Lodge 306, Urania, LA
B. Earl Hughes
Age: 81
Lodge 46, Kinston, NC
National Representative and
former Jurisdictional President
Angela (Angie) Williams
Age: 43
Lodge 1072, Knoxville, TN
Jonathon (Jon) Lee
Humphrey II
Age: 17
Lodge 2, Ballentine, SC
Maurice M. Williams
Age: 78
Lodge 376, Lancaster, SC
38 WOODMEN LIVING
William C.
(Bill) Owen
Former Chairman
of the Board of
Directors
William (Bill) Cone Owen, of Tallahassee,
FL, passed away on Friday, March 23,
after an extended battle with cancer. He
was 70 years old.
Bill was born on Jan. 21, 1942, in
Tallahassee to Mr. and Mrs. George E.
and Nick Owen.
Bill’s parents and his eldest son, Robert
(Bob) Davin Phillips, predeceased him.
He is survived by his loving wife, Carolyn
Gurley Owen; his son, William Cone
Owen Jr., Cone’s wife, Rebecca, and
their two sons, Harrison and Winston;
Bob’s wife, Amy, and their son Jack;
stepson, Jason David Gurley, Jason’s
wife, Charlotte, and their daughter,
Chyanne; stepdaughter, Amanda Gurley
Noullet, and her husband, Jim. His sister,
Judith Owen Wilde, and her three sons,
Thomas, Adam and Nick, also survive
him. Other survivors include beloved
extended family and friends.
In addition to his long-standing
membership at Capital City Country
Club, Bill was a member of Tallahassee
Exchange Club, the Tallahassee Bar,
the Florida Bar Association, and Faith
Presbyterian Church.
Are you in the 41%?
Woodmen of the World life insurance can help protect your hopes and dreams, but only if you have
enough coverage. Only 41 percent of U.S. adults own individual life insurance, and most of them need
more coverage than they currently have.1
Would your loved ones be taken care of financially, if you died unexpectedly? It’s important to consider
current and future expenses when determining your amount of coverage. Talk with your Representative
today to complete an updated needs analysis, or call 1-800-225-3108 for more information.
1. LIMRA International, Facts About Life 2011.
CI0014WOW 2/2012
PERIODICALS
Give
Share
Care
JOIN HANDS DAY strives to engage
youth in the most basic and rewarding of
principles — the giving of “time, talent and
treasure” to benefit the common good.
Join us to make a difference on
Saturday, May 5, 2012. For more
information, visit joinhandsday.org.
fun zone
Have a good joke? Make your fellow fraternalists laugh.
Please send contributions to WLEditor@woodmen.org.
It’s Playtime!
Can you locate the words associated with outdoor fun and games that are hidden in the puzzle? Search up,
down, forward, backward, or diagonally. Find the answers to this puzzle on our website, woodmen.org, by
clicking on the Woodmen Living link on the home page. Enjoy!
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Backyard
Word List
Fun
Backyard
Jumprope
Barbecue
Lemonadestand
Bicycle
Park
Bubbles
Run
Frisbee®
Sprinkler
Fun
Games
Barbecue
Games
Hide and seek
Junglegym
Hopscotch
Merrygoround
Ice cream truck
Picnic
Jump rope
Sandbox
Jungle gym
Sunshine
Kickball
Laughter
Bicycle
Bubbles
Hideandseek
Hopscotch
Lawn chair
Picnic
Kickball
Laughter
Lemonade standPlayground
Naturewalk
Outside
Merry-go-round Relay races
Playground
Relayraces
Nature walk
Roller skates
Scavengerhunt
Seesaw
Outside
Run
Tag
Treehouse
Parade
Park
Frisbee
Seesaw Icecreamtruck
Lawnchair
Scooter
Parade
Sprinkler
Rollerskates
Sunshine
Scooter
Tag
Waterfight
Sandbox
Tree house
Scavenger hunt Water fight