2011 Photo Contest Winners

Transcription

Fall/Winter 2011
A Magazine for National Mutual Benefit Members and their Families
www.nmblife.org
2011
Photo Contest
Winners
page 19
onoring Those
H
Who Served
page 4
Announcing a New
Benefit for Members
2011 Scholarship
Winners
An Organic
Overview
page 8
page 14
page 26
P r e s i d e nt ’ s m e ssa g e
board of di rector s
The Benefits of Membership—Now Even Better!
An
important part of National Mutual Benefit’s mission is to provide life insurance protection and
fraternal benefits for you and your family. We
consider ourselves a trusted partner that you can rely on when
your family needs us most.
No one knows for sure what the future holds, but all of us want
to protect and provide for our loved ones. That’s why National
Mutual Benefit offers a wide variety of life insurance and annuity
products that can do just that. These products are designed to fit the individual needs of
your family and your situation, whatever they may be. They can also help you achieve
financial goals, such as retirement planning. Our members know that NMB will be
here when they need us, thanks to our strong financial position and 109-year history
of stability.
In addition to our life insurance products, members of National Mutual Benefit are
automatically eligible for our value-added fraternal benefits and programs, including
scholarship programs, disaster benefits, disease benefits, newborn benefits, and orphan
benefits. As an NMB member, these are all available at no added cost. Additionally,
through our local fraternal branches, NMB provides our members with opportunities
to get involved in a wide range of meaningful activities that give back to their communities and help others in need.
The list of benefits we provide is extensive; and now, I’m proud to announce
that we are adding an additional benefit for our members. The new benefit is being
offered through Life Line Screening and consists of a series of screenings that can detect
specific health problems and guide people to seek follow-up care. These screenings
will be offered to NMB members at a significantly reduced cost. This is just another
way that NMB is trying to provide for the well-being of its members and their families. More information on Life Line Screening is provided on page 8 of this issue of
The Benefit News.
As you can see, there are many advantages to being a member of National Mutual
Benefit. I encourage you to contact the NMB district representative in your area to learn
more about our insurance and fraternal programs. If you are not sure who to contact,
please give us a call at the Home Office (1–800–779–1936) and we will be happy to
help you.
Best regards to you and your family!
George F. Yanna
President/CEO
George F. Yanna
President
Verona, Wisconsin
Maureen O’Hern Hahn
Appleton, Wisconsin
Nancy Nelson Heykes
Krakow, Wisconsin
Thomas R. Johnson
Fitchburg, Wisconsin
John E. Rashke
Verona, Wisconsin
offi cers
George F. Yanna, FLMI, ACS
President
Steven G. Reindl, FLMI, ACS
Vice President, Operations
Secretary
Jenna M. Dunker, CPA
Treasurer
Paul M. Stadler, FIC
Vice President, Marketing
Anne D. Rogers, ACS
Vice President, Fraternal Services
magazi ne staff
Editor
George F. Yanna
Associate Editors
Katie E. Lamont
Anne D. Rogers
Field Editor
Paul M. Stadler
Designer
Katie E. Lamont
address change notice: It is very
important that NMB keeps its member address
records up-to-date. There are two convenient
ways for you to inform us when you have an
address change. You can either fill out the
address change section on the “Member Information and Orders” postage-paid card found
in every issue of The Benefit News or go to our
website at www.nmblife.org. Click on Member
Access under Secure Logins and choose Address
Change Form.
The Benefit News, NMB’s member magazine,
is the official publication of National Mutual
Benefit, a fraternal benefit society, 6522 Grand
Teton Plaza, Madison, WI 53719-2912. It is
published two to three times annually for the
benefit of members and their families. Thirdclass postage paid at Madison, WI.
Postmaster: Send address changes to The Benefit
News, National Mutual Benefit, P.O. Box 1527,
Madison, WI 53701-1527.
2
The Benefit News—Fall/Winter 2011
d i r e ctory
Home Office
6522 Grand Teton Plaza
P.O. Box 1527 • Madison, WI 53701-1527
(608) 833-1936 or 1-800-779-1936
website: www.nmblife.org
Eastern Wisconsin Agency
David Pentek & Paul Gocker
District Managers
321 South Nicolet Road, Suite A
Appleton, WI 54914-3948
(920) 202-3524
easternwisconsin@nmblife.org
Fox River Valley Agency
Ronald M. Collien, FICF, LUTCF, CFFM
District Manager
606 Triangle Road
P.O. Box 27 • Fond du Lac, WI 54936-0027
(920) 922-6090 or 1-800-535-3911
foxrivervalley@nmblife.org
Great Rivers Agency
Thomas W. Bjerke, FICF, CFFM
District Manager
3300 Birch Street, Suite 1-B
P.O. Box 1167 • Eau Claire, WI 54702-1167
(715) 834-9212 or 1-888-889-8101
greatrivers@nmblife.org
Illinois North Agency
123 West Washington St., Suite 336
Oswego, IL 60543-8291
(630) 821-7722 or 1-866-662-3728
illinoisnorth@nmblife.org
Madison Agency
Timothy P. Schultz, FICF
District Manager
1800 Parmenter Street, Suite 200
Middleton, WI 53562-3185
(608) 836-1922 or 1-800-883-1922
madison@nmblife.org
Milwaukee Agency
West Allis, WI
(414) 395-3870
1-866-789-9581
milwaukee@nmblife.org
North Central Minnesota Agency
Curtis Johannsen, FICF, LUTCF, MSM, CFFM
District Manager
Suite 260, Lake Elmo Bank
600 Inwood Avenue N.
Oakdale, MN 55128-7149
(651) 730-1523 or 1-800-972-2129
ncminnesota@nmblife.org
Western Dakotas Agency
146 W. Illinois St., Suite B
Spearfish, SD 57783-2050
(605) 642-4778 or 1-800-364-8846
westerndakotas@nmblife.org
Wisconsin River Agency
Kent L. Stadler, FICF
District Manager
2703 Rib Mountain Drive
Wausau, WI 54401-7149
(715) 845-4300 or 1-800-918-1234
wisconsinriver@nmblife.org
Volume 109 • Number 2
Fall/Winter 2011
Features
4 Honoring Those Who Served
8 Announcing a New Benefit for Members
4
12 Learning to Give Back
President’s Scholarship recipient continues family tradition of helping others
14 2011 Scholarship Winners
16 Where Are They Now?
A look at what a few past scholarship
winners have been up to since earning
their awards
10
18 National Mutual Benefit is
on Facebook!
192011 Photo Contest Winners
24 Understanding the Annual Statement for your Universal Life Policy
12
Departments
10 Money Matters
Classic Single Premium Life
26 Health & Fitness
An Organic Overview
19
28 Dining With Doris
29 Benny’s Youth Page
3
Honoring Those Who Served
S
ince the founding of this country, many years ago, such as WWII, the Korean
military veterans have sacrificed so War, and the Vietnam War.
that we can continue to enjoy the
freedoms we have as Americans. Their
selfless actions perfectly embody the After all our veterans have done for us, it is
American spirit; without their dedication important for us to find ways to share our
and service the world would be a much respect and admiration for them. Honor
different place. They have given so much of Flight Network, a national 501(c) (3) nonthemselves, and many times the suffering profit organization, was created to show
and hardships that U.S. veterans endure go gratitude to U.S. veterans by providing
largely unnoticed. This is especially true them with a day-long trip to visit the
for veterans of conflicts that happened memorials that stand in their honor in
Showing Appreciation
Washington D.C. Honor Flight provides
participating veterans with a flight and
tour bus, meals, T-shirt, and other amenities for their trip. Trained volunteers, called
guardians, are with the veterans for the
entire day. The Network’s top priority is
given to the most senior heroes—surviving
WWII veterans and veterans of other conflicts with a terminal illness. The program
will then naturally transition to veterans
of the Korean War, the Vietnam War, and
other conflicts.
Left to right: NMB Fox River Valley Agency Manager Ron Collien poses with veterans Don Schmelter (left) and Howard
Lehto (right) during their Honor Flight excursion. • Don stops for a photo at the National Air Force Memorial Honor Guard
Sculpture. • Howard checks out the aircraft displays at the Smithsonian Institution’s National Air and Space Museum.
4
Honor Flight Network operates as an
umbrella organization for regional hubs,
made up solely of volunteers who fundraise for, plan, and execute the flights. As of
September 2011, there are 108 hubs in 32
states and the numbers continue to grow.
Since its inaugural flight in 2005, Honor
Flight hubs have transported more than
73,000 veterans to see their memorial. This
is an incredible feat considering that the
Network does not receive any government
funding or assistance.
Honor Flight has been expanding into
the national consciousness, as evidenced in
public service announcements by celebrities such as Senator Bob Dole and country
music star Trace Adkins. The co-founders
of Honor Flight Network, Earl Morse and
Jeff Miller, were even honored by President
George W. Bush with the Presidential
Citizens Medal in 2008.
The youngest WWII veterans are in
their mid-80s—based on recent statistics,
we are losing WWII veterans at a rate of
approximately 1,000 per day. With this in
mind, it is vital that we continue to facilitate the Honor Flight Network’s goal to
have all living WWII veterans see their
memorial. It is of the utmost importance
that we show our appreciation to these
brave men and women before it is too late.
to participate in an Honor Flight as a volunteer guardian. He saw the opportunity
to give back to his country and to honor
those who fought for American freedom.
“I wanted to give back to those who served
our nation. This was a way for me to do
something meaningful,” he shares.
On June 9, 2011, Ron accompanied
two WWII veterans on the Old Glory
Honor Flight, a hub located in Appleton,
Wisconsin. The veterans were Howard
Lehto, a Navy veteran from Negaunee,
Michigan, and Don Schmelter, an Army
veteran from Sturgeon Bay, Wisconsin.
The trip was arduous for the aging veterRon Collien, District Manager of NMB’s ans because it took place over the course
Fox River Valley agency in Fond du Lac, of a long day that began very early and
Wisconsin, recently had the opportunity ended late. (continued on next page …)
A Day in Flight
Left to right: Howard (left) and Don share an emotional moment at the National WWII Memorial, which first opened to the
public in April of 2004. • Don pauses for a photo at the base of the United States Marine Corps War Memorial, also known as
the Iwo Jima Memorial. • Don and Howard read letters thanking them for their military service on their flight back to Appleton.
5
(continued from previous page …)
Ron, Howard, and Don had to be up by
4:00 a.m. to get to the airport by 6:30 a.m.
They did not arrive back in Appleton until
9:00 p.m. that evening. Despite the long
day and constant activity, Ron stated that
Howard and Don, both in their late eighties, were ready for anything. He described
the men as full of energy. “It was amazing
the stamina they displayed. It was the hottest day of the summer and they both did
extremely well with all the walking and
standing,” Ron observed.
Ron described the trip as incredibly
moving and something that needs to be
experienced firsthand to fully understand what it means to the veterans.
When they arrived in Washington D.C.,
they began their tour with a visit to the
WWII Memorial. They then traveled to
the National Air and Space Museum,
the Iwo Jima Memorial, and Arlington
National Cemetery, where they were able
to witness the changing of the guard ceremony and the changing of the wreath
ceremony by two families who had lost
loved ones in the Middle East.
A couple of the day’s events specifically
stand out in Collien’s mind. “One of my
veterans was a field MASH unit medic
on Iwo Jima and he was extremely emotional at that particular memorial. One
of the flag raisers on the Iwo Jima monument had been a good friend of his. The
second was the changing of the guard and
wreaths at Arlington National Cemetery. If
that does not tug at your heart then I don’t
know what could,” Ron remarked.
The most emotional moment, however,
came when the veterans disembarked the
plane in Appleton and were greeted by over
2,000 cheering fans who had come to the
airport to welcome the veterans home.
“It overwhelmed everyone getting off the
plane, but more importantly, the veterans
felt so appreciated,” Ron recalls.
Through the Honor Flight experience,
Ron was able to show his gratitude to
those who have served our country. He
feels as if he has been a part of something
very worthwhile and is so grateful for the
experience that he would recommend it
to anyone.
What NMB is Doing
Ron is one of many National Mutual
Benefit members who believes in patriotism and supporting our military heroes.
Left to right: Musical performers help set the mood for the heroes’ celebration by playing WWII era songs in the airport terminal.
• Supporters make and display colorful signs showing their gratitude for the veterans’ service. • Family, friends, and community
members line the airport corridor and anxiously await the return of the Honor Flight.
6
NMB has long emphasized the importance
of respect for our veterans, our nation, and
our flag. Whether we are shipping care
packages to troops overseas, or donating
American flags to military groups, nonprofit organizations, and schools, instilling
a sense of patriotic pride in Americans of
all ages has always been part of our mission.
Once NMB learned of Honor Flight
Network, it was a natural fit for us to
become involved. We are doing all we can
to help further Honor Flight Network’s
goal of sending every WWII veteran to
visit their memorial.
Many of our branches have decided to
make donations to their local Honor Flight
hubs, while others have inquired about
becoming guardians or volunteers with the
program. NMB volunteers are organizing
fundraisers in their communities to benefit
Honor Flight hubs. The Matching Funds
grant program, which NMB offers to
branches to help local causes and people
in need, is also being utilized to benefit
Honor Flight hubs.
In May of this year, Branch 695
(Fond du Lac, Wisconsin) held a pancake
breakfast fundraiser for the Old Glory
Honor Flight hub—it was a great success.
Branch 927 (Menomonie, Wisconsin)
organized a spaghetti dinner to benefit
the Freedom Honor Flight hub out of
La Crosse, Wisconsin.
What You Can Do
While these are exceptional programs, they
are very expensive to maintain. Although
all local fundraising efforts directly benefit
the veterans—volunteer guardians must
pay their own travel costs—Honor Flight
still relies on the generosity of numerous donors, as well as volunteers. Honor
Flights are in constant need of people to
help with flight preparation, fundraising,
and community events welcoming the veterans home. In addition, there is always a
need for people to write thank-you letters
to the veterans, which they open during
their trip. It truly means the world to them
to see that their generosity and selflessness
did not go unnoticed.
Get involved in this worthwhile and
rewarding cause! For more information
on how to find your local Network hub,
to make a donation, or to volunteer, visit
www.honorflight.org or email us at
fraternal@nmblife.org. F
Left to right: Army veteran Don Schmelter (left) and Ron Collien disembark the Honor Flight and are greeted by more than 2,000
supporters waiting at the airport for the heroes’ arrival. • In the final moments of the Honor Flight experience, Don beams
with pride as he waves to his cheering fans at the Appleton airport.
7
Announcing a New Benefit for Members
R
N
ational Mutual Benefit is excited to announce a new benefit for members. Life Line Screening, the nation’s leading provider
of preventive health screenings, is now offering select health services at a discounted rate to NMB members. We feel strongly
about the importance of prevention in healthcare and we are pleased to offer these potentially life-saving services to you through
Life Line Screening.
Screenings involving the use of ultrasound technology are offered to scan for indicators of potential health problems such as:
• Stroke/Carotid Artery Disease
• Peripheral Arterial Disease
• Abdominal Aortic Aneurysm
• Osteoporosis
• Atrial Fibrillation/Heart Rhythm
Many health insurance programs do not even cover these
tests. As a member of National Mutual Benefit, you have the
opportunity to receive these convenient and easy-to-obtain
health services at a discounted rate in a location in your area.
Because Life Line Screening is a community health screening company, you can choose to be screened at sites in your
area such as health clubs, churches, and other community
spaces, when it conveniently fits your schedule.
In the near future, you will be receiving a mailing from
National Mutual Benefit and Life Line Screening (if you
are between ages 50-80) announcing upcoming screenings
in your area. Check with your doctor to see if you should
take advantage of these important tests.
For more information, or to schedule an appointment, call
toll-free at 1-800-779-5804. Life Line Screening has also created a special site to search for screenings in your area and to
sign up with our discounted rate. To make an appointment
online, visit National Mutual Benefit’s Life Line landing page at
www.lifelinescreening.com/nmblife. F
8
Is it time for an insurance check-up?
With the busy lives we lead, it’s often easy to overlook the fact that life’s changes can bring about changing insurance needs as well.
Is your life insurance program in need of an update? Take our quick quiz to find out.
Since your life insurance program was last reviewed, have you …
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
Changed your home/business address?
Purchased, or intend to purchase, a new home or other real estate?
Changed jobs?
Gone into business for yourself or with another person?
Altered your marital status?
Had a child or expect one?
Looked for ways to help fund your child’s education?
Inherited cash, property, etc.?
Wondered how much income you will need for a comfortable retirement?
Reviewed your estate plan and the names of your beneficiaries?
Considered financial options for nursing home confinement or terminal illness? Thought about making arrangements for your final expenses?
Yes
No
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
❏
If you answered “yes” to any of the above questions, the time is right to re-evaluate your life insurance program. Even if you answered
each question with a “no,” a review of what has recently happened in your life can help put your financial future in better perspective. For more information, or to set up an appointment for your insurance checkup, please return the postcard insert found on
this page, or contact your local agency office. F
Cash for you … new members for NMB!
We are excited to report the continued success of the Mutual Benefit New Member Campaign. This campaign can help those with
inadequate or no life insurance coverage obtain the protection they need and help National Mutual Benefit grow and serve more
people through our fraternal programs. It also rewards you, an NMB member, for your referrals.
Remember, there’s no limit to the $25 payouts a member can earn! Visit our website at www.nmblife.org/referral
or contact your District Representative for a referral form. F
9
M O N EY M A T T ER S
Classic Single Premium Life
❈ providing lifelong insurance protection ❈
with a single payment
L
eaving a lasting legacy through
financial support is something
that many of us hope to do. NMB’s Classic
Single Premium Life insurance can help
simplify this process.
Whether you wish to leave money to
your heirs or favorite charity after you are
gone, or provide a child or grandchild with
the valuable gift of life insurance protection while you are still living, Classic Single
Premium Life may be the right choice
for you.
10 The Benefit News—Fall/Winter 2011
The features of this policy make it ideal
for those who have a lump sum of money
to contribute and are looking for an alternative to regular payments.
Single Premium
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that, when properly
funded, guarantees the full death benefit
and accumulates cash value. Participating
policies also provide options for receiving
dividends.
Classic Single Premium Life is a participating single premium whole life insurance
policy. Unlike many life insurance policies
that are funded by a monthly or annual
premium, this policy is purchased by
making one lump payment that lasts for
the entire life of the policy.
NMB’s Classic Single Premium Life is
available up to age 85 with a minimum
policy amount of $25,000.
mon e y matt e r s
Is it the right choice for you?
You may want to consider a
Classic Single Premium Life insurance policy if …
… you are a parent or grandparent.
Many times parents or grandparents want to provide a child with the valuable gift of a life insurance policy, but do
not want to worry about ongoing premiums. The Classic Single Premium life insurance policy would be an ideal way
to give the gift of lifelong insurance protection with a convenient one-time payment.
Additionally, Classic Single Premium Life could be purchased by a parent or grandparent to insure their own life
with the child named as a beneficiary. This would protect the child in the event of an untimely death, providing them
with the opportunity to pay for their education, pay off existing loans, or get a head-start on their retirement fund.
… you have money set aside for final expenses.
If you have been saving for your funeral and final expenses, you may benefit from using these funds to purchase a
Classic Single Premium Life policy. With this policy, you can feel confident knowing that you aren’t leaving your loved
ones with an unnecessary financial burden, because the full death benefit will be available to your beneficiaries after
you are gone.
… you want to leave money to your favorite charity.
If you wish to make a donation to a philanthropic cause upon your death, a Classic Single Premium Life policy may
be the right choice through which to achieve this goal. Charitable giving through life insurance is a convenient and
flexible way to make sure that funds are distributed directly to the charity of your choice and will generally bypass the
drawbacks associated with probate. Additionally, life insurance can allow you to make a more substantial gift than
you otherwise thought you could afford. The death benefit of your Classic Single Premium Life policy can be much
more significant than the actual premium you pay.
Guaranteed Death Benefit
Guaranteed Cash Values
Dividends
One of the benefits of a whole life policy
is the guarantee that the full death benefit
amount you purchased will be available
for your beneficiaries when you die—this
is not necessarily true of other types of
life insurance. Additionally, the money is
passed to your beneficiaries free of income
taxes*, which may not be the case with a
different type of account.
Cash values are guaranteed to grow taxdeferred each year. You may take a loan
against your cash value at any time, as long
as your policy has a loan value. Interest
will be charged on a policy loan. You can
repay all or part of the policy loan at any
time. Any outstanding loans and interest
will reduce the death benefit and cash surrender value.
This policy is eligible for dividends—a
return of premium based on the favorable
experience of the company. Dividends can
be paid out in cash, left in the policy to earn
interest, or be used to purchase additional
paid-up life insurance coverage. Although
dividends are not guaranteed, they are generally declared annually and credited to the
policy on its anniversary date. F
*According to current tax laws, IRC Sections 101 & 7702. For Minnesota residents, Minnesota Statutes Section 290.01, Subd. 19.
Guarantees are backed by the financial strength and claims paying ability of National Mutual Benefit.
11
Learning To Give Back
President’s Scholarship recipient continues family tradition of helping others and making a difference
“I
was fortunate enough to grow up
in a family that genuinely cares
for others,” 2011 President’s Scholarship
recipient Tania Mutchie explains. She
gives her family credit for shaping her life
and introducing her to the many fulfilling
aspects of volunteerism. For the Mutchie
family, community service has always been
a core value, and Tania has continued the
tradition.
Tania’s parents spent a lot of time
helping out at their church and her grandparents were longtime NMB Branch 712
officers. Her grandparents used to take
her to branch events where she learned
even more about the importance of volunteering. “My volunteering experiences
have been very rewarding, largely due to
National Mutual Benefit and my grandparents. As a young child, I watched my
grandparents serve with NMB to make a
positive difference in the lives of others,”
she shares.
The moments Tania spent helping her
grandparents with service projects stand
out as significant memories from her childhood. She believes that her grandparents’
helpfulness and generosity has continued
to live on through her volunteer activities.
“As I grew, I found myself participating in
many volunteer activities—aiding swim
instructors, serving meals to homeless
shelters, playing Bingo with the elderly,
and assisting seniors with home repairs,”
Tania remembers.
Tania’s volunteer efforts in her hometown of Waukesha, Wisconsin, have not
gone unnoticed. Her former high school
teacher, Carol Gay of Waukesha North
High School, explained, “Tania is a very
positive, outgoing young woman. She
always has a pleasant smile on her face and
Far left: Attending Branch 712’s annual Christmas Breakfast with Grandpa Loyd was a tradition for Tania (pictured here as a toddler). •
Second from left: Tania, age 6, and her younger sister, Julia, 4, had a blast with Grandma Roberta at Jerry’s Pumpkin Farm, their favorite
NMB event. • Center: Tania helps build a deck and ramp for an elderly couple on a mission trip to Maryland.
is very respectful to adults and peers alike.
[She] has been an active mentor, helping
freshman students make new friends while
learning about teamwork, dedication, and
hard work.”
Tania has also found many ways to give
back outside of school, whether it was in
her local community, at church, or in some
cases, in other states. “My most memorable
volunteer experience was when I went on
a mission trip to Maryland. While I was
there, my work group built a deck and
ramp for an elderly couple. I was able to
see how much the act of kindness meant
to them, and how much they appreciated
us,” she says.
She has also been a mentor to children
at her church, teaching Vacation Bible
School and Sunday School classes throughout high school. On a weekly basis, she
taught children the importance of being
respectful, listening to others, praising and through her own life experiences.
others, keeping promises, and forgiving “Volunteering has taught me to always put
one another. She also mentored young others before myself. It has helped motigirls at Girl Scout Camp while serving vate me to pursue a higher education, as I
as a youth camp counselor. “I volunteer want to be able to make a difference and
because I love knowing that I am making better the world for everyone.”
a difference in this world, along with Tania is entering her first year of college
at Drake University in Des Moines, Iowa,
and already has a career path in mind. She
hopes to become a pharmacist so she can
provide assistance to the sick. Ultimately,
she dreams of someday discovering the
cure for a disease.
It is with great pleasure that National
Mutual Benefit congratulates Tania
potentially brightening someone else’s day Mutchie on earning the 2011 President’s
in the process,” Tania says proudly.
Scholarship. As she begins her journey into
Although she is only 18-years-old, college and the “real world,” there is no
Tania is a very well-rounded individual. question that she will continue to succeed
She credits a great deal of this to the les- and lead a life filled with giving back and
sons she learned from both her family helping others. F
“I volunteer because
I love knowing that I
am making a difference
in this world.”
Second from right: NMB Branch 734 President Sherry Reisinger surprised Tania at her high school’s Honors Night by presenting her with
the President’s Volunteer Service Scholarship. • Far right: Tania Mutchie is excited to attend Drake University in Des Moines, Iowa, and
will pursue a career as a pharmacist.
13
Turning Dreams Into Reality
A decade ago, a new fraternal benefit offering financial assistance to young members pursuing
higher education was introduced; National Mutual Benefit’s national scholarship program has been
changing lives ever since. These scholarships, the first offered by NMB, focus on volunteerism
and are given to well-rounded students who exemplify our motto of People Helping People.
In 2001, the Board of Directors voted to set aside up to $30,000 each year to help
make members’ dreams of higher education a reality. The rest is history. NMB has given
scholarships to 229 students totaling over $290,000 since the program’s inception.
We congratulate the following 10-Year Anniversary winners and wish them
the best as they continue to learn, grow, and realize their dreams.
2011
National
Scholarship
Recipients
Britta Huffman
Coon Rapids, Minnesota
St. Cloud State University
14 Tianna Beld-Homola
Hayti, South Dakota
Rasmussen College
Jakoby Guenther
Sheboygan, Wisconsin
University of Wisconsin—
Oshkosh
Elizabeth Hawkins
Apple Valley, Minnesota
Luther College
Nicole Holz
Oakfield, Wisconsin
Northeast Wisconsin
Technical College
Andrea Huhn
Fond du Lac, Wisconsin
Marian University
Andrew Leipzig
Gilbertsville, Kentucky
Western Kentucky University
Farin Ludtke
Suring, Wisconsin
Green Bay
Lane Ludtke
Suring, Wisconsin
Green Bay
Robert Miller
Mandan, North Dakota
North Dakota State University
Tania Mutchie
President’s Scholarship Winner
Waukesha, Wisconsin
Drake University
Morgan O’Brien
Lomira, Wisconsin
Clarke University
Nicolas Pentek
Sherwood, Wisconsin
Winona State University
Kayla Pluger
Green Bay, Wisconsin
Green Bay
Tyler Raymaker
Green Bay, Wisconsin
Carroll University
Josh Retzloff
Hayward, Wisconsin
Mid State Technical College
Kelsy Rich
Ripon, Wisconsin
Eau Claire
Jason Vlasnik
Luck, Wisconsin
Stout
Timothy Voss
Sheboygan, Wisconsin
Madison
Cherise Waltz
Brownsville, Wisconsin
Marian University
Marika Weisheipl
Hayward, Wisconsin
Superior
Rachael Wettstein
Neenah, Wisconsin
Loras College
15
Where Are They Now?
This year marks the tenth anniversary of National Mutual Benefit’s Volunteer Service Scholarship Benefit. During
the past decade, NMB has been proud to help further the education of many outstanding students who have shown
a dedication to volunteering and community service and are pursuing an undergraduate or technical degree.
For many of the past recipients, the NMB scholarship was proof that their efforts to make a difference in their hometowns
did not go unnoticed. A lot of these individuals have continued to give back, improve the world around them, and make an
impact on the lives of others. Here are what a few former scholarship recipients have been up to since earning their awards.
Richfield, Minnesota, has had a lot on her plate since receiving the National Volunteer
Karen Mandl, ofService
Scholarship in 2002. After graduating from the University of Wisconsin-Madison in
2005 with degrees in food engineering, food science, and technical communications, she began working full-time as a food scientist
at one of the world’s largest food companies, General Mills, in Golden Valley, Minnesota. “I originally started in chemical engineering,
but when I met a General Mills representative I realized that there are sciences
outside of what some might consider traditional. It is incredibly interesting
to learn the different processes that go into making your food,” Karen shares.
Karen quickly made a name for herself in the research and development
division at General Mills where she began working in baked goods. Ultimately,
Karen became part of the children’s cereal department where she excelled as
the lead scientist on a project for a new cereal called Sprinkles Cookie Crisp®,
which first hit grocery store shelves in 2009.
Karen has also been an integral part in a new General Mills initiative to make
children’s cereals healthier. She developed a new formula for Berry Berry Kix®
cereal that is made of 100 percent natural ingredients.
General Mills has also provided Karen with an opportunity to give back. She
Karen Mandl showcases her brand new cereal.
describes the company as a perfect match for someone who loves to volunteer.
“Eighty percent of employees volunteer outside of work, but even more exciting are the skill-based volunteer opportunities that
General Mills provides. We are working with companies in Africa to try and help transfer the knowledge we have about sustainability
and food safety in the hopes that they can one day be self-sufficient,” Karen says. F
ten years after receiving the
Amber Andress, first
President’s Scholarship
Amber Andress at NMB’s centennial celebration in 2002.
Award in 2002, has continued to give back to her community and help those
in need. “Being a volunteer fosters in oneself both a connection to one’s community and a greater understanding of oneself,” Amber shares.
She has remained an active volunteer with local environmental and bicycling
clubs. Amber is grateful for the many hours she devoted to helping others, as
she believes volunteering builds interpersonal skills and allows young adults to
learn how to work together as a team.
Amber graduated from Augustana College in Rock Island, Illinois, with a
degree in biology in 2006. She now works with the U.S. Fish & Wildlife Service as
a fish and wildlife biologist and is working toward a Master of Biology degree. F
of the 2005 President’s Scholarship Award, has a very special connection
Rebecca Breach, recipient
to National Mutual Benefit. When Rebecca’s father was very young, both of his
parents tragically passed away. Through the fraternal benefit program, NMB was
able to help preserve his family’s way of life during an obviously difficult time.
“It was truly an honor to have NMB recognize my achievements. I also felt it
was a real tribute to both NMB and my father—almost as if NMB, even though
it is a corporation, could share a sense of pride in my father’s accomplishments
in raising me, as well as the achievements I was earning,” Rebecca explains.
Rebecca recently graduated from the University of Wisconsin-Madison with
majors in legal studies and political science. She will be attending John Marshall
Law School in Chicago and is excited to open the next chapter in her life.
In addition to her busy school schedule, Rebecca has maintained an active
interest in volunteering. “I certainly found it to be a challenge to make time in
my day for volunteering after college, however, I have also been very fortunate
that the law firms I have worked for have also shared my commitment to making Rebecca Breach (second from right) and her family.
the world a better place,” Rebecca admits. Through these firms, however, she has had the opportunity to help PAWS (Progressive
Animal Welfare Society), a group that helps pets abandoned in foreclosed homes find new families, and WINGS (Women in Need
Growing Stronger), a program devoted to helping battered women and children get their lives back on track. F
of the 2010 President’s Scholarship Award, is still in the early phases of her
Meghan Ryan, recipient
college journey. She plans to graduate from the University of Wisconsin-Eau Claire with
an accounting major, an international business minor, and an information systems certificate. After she completes her undergraduate
degree, she hopes to pass the CPA exam and obtain a Master of Accountancy at
the University of Saint Thomas in St. Paul, Minnesota. Eventually, she hopes to
work for one of the “big four” accounting firms.
Even with her current heavy course load, Meghan still spends a great deal
of time volunteering. She makes a commitment to do so, not only because it
allows her to give back to her community, but also because she feels it makes
her a well-rounded person. “Community service reveals knowledge that cannot
be learned in the classroom. Volunteering provides an experience outside the
college campus and keeps me grounded when making decisions that will affect
my future,” Meghan believes.
She has most recently been volunteering at the American Cancer Society in
Eau Claire, where she organized sponsors and donations for different events,
Meghan Ryan and her parents at her high school graduation.
including Making Strides Against Breast Cancer and Relay for Life. This coming
year, Meghan will be able to combine her love of accounting and volunteering by participating as an advisor in the Volunteer Income
Tax Assistance Program, which allows low-income individuals to receive tax-return assistance at no cost. F
Apply now for the 2012
National Scholarship Benefit!
Applications are available for the 2012-2013 academic year.
Go to www.nmblife.org for complete details.
17
National Mutual Benefit
is on Facebook!
NMB has begun to explore social media by launching a corporate Facebook page. Facebook offers us
an opportunity to share fraternal events and benefits, as well as NMB news and general life insurance
information. It is a great tool to help spread the word about events in your community, as well as a
way to show non-members what makes us special.
If you have a personal Facebook account, we hope that you, your family, and your friends will “like”
our page. We would also appreciate you sharing or liking any stories from our page. In addition, we
encourage you to leave comments on status posts.
Please do not ask any specific questions in regards to your policy on our Facebook page. Agents and
the Home Office cannot respond to specific questions online. It is never a good idea to share personal
and private information in a public online forum such as Facebook. Please direct specific questions to
your district representative or the Home Office at 1-800-779-1936.
Find us on Facebook today at www.facebook.com/nmblife. Thank you for helping us on our journey!
Travel Scenery
2011
Photo
Contest
Winners
1st
2nd
Over the Rainbow in Yellowstone
Kelly Wheeler—Fredonia, Wisconsin
3rd
Multnomah Falls, Oregon
Larry Adams—La Crosse, Wisconsin
Jokulsarlon Lagoon, Iceland
Vernon J. Steger—Orange, California
19
people
Thank You!
We are excited to share with you the winning
photos from our 2011 Photo Contest! Thank you
to everyone who shared a photo with us again this
year. We had entries from seven different states
and paid over $1,500 in prize money. We would
also like to thank this year’s judges, Geoffrey
Herman and Teri Parris Ford. Make sure to check
out the 2012 contest details on page 23.
1st
2nd
Hooping it Up
Diane R. Schwam—Monona, Wisconsin
Birthday Bubbles
Kathryn Noll—Alma, Wisconsin
Judge’s Comments
This image captures a moment in a reserved
and solemn ceremony where a subtle, but
intense expression of character shows through.
The look on Whittington’s face is priceless
and makes this engaging image worthy of
numerous return visits by its viewers.
3rd
Commissioning Day
Monte Palecek—Philip, South Dakota
local scenery
Judge’s
Comments
Original image with
great moving action. The
picture begs to be looked
at more intensely. There’s
a strong story here.
Judge’s
Comments
The hoarfrost on the cable
and fence adds movement and
framing, delightfully—almost
playfully. Beautiful image.
1st
Frosty Morning
Kristi McCoy—Belle Fourche, SD
Meet the
Judges
2nd
The Falls
Mandi Kukal—Garrison, Montana
Geoffrey Herman has been
teaching visual arts in
Madison, Wisconsin, for 22
years, 15 of which he taught
ceramics and computer art
animation at Memorial High
School. He has a Master of
Art Education degree from
the University of WisconsinMadison, and is also an
associate instructor for Art
Ventures Ceramics Studio.
Geof has worked professionally
as a photographer, spending
three years as an underwater
photographer.
21
animals
Meet the Judges
Teri Parris Ford is an art teacher at Memorial High
School (Madison, Wisconsin). She teaches photography
and advises the school newspaper, The Sword and Shield.
Teri is also an amateur photographer and blogger.
1st
Judge’s Comments
Warm colors and cool colors provide
spontaneous contrast. The geometric
shape created by the blue cat bed is a
wonderful frame for the warm, organic,
intentioned forms of the two cats.
The Snugglers
Emilee Wiese—Grafton, WI
3rd
Keeping a Watchful Eye
Amy Mikelson—Mondovi, WI
Judge’s Comments
A rather unconventional image that I find
very playful-a visual puzzle is created by the
interesting overlaps. The largest horse head on
the right side serves to return my view to the
subject matter. The muted palette and textures
create a unified and satisfying image.
2nd
22 Making Friends
Catherine Yunk—Wausau, WI
honorable mention
Travel Scenery
• Niagara Falls
Ryan Dombrowski—Amherst Junction, Wisconsin
• Sailing to Where the Sky Meets the Water (Grand Marais, MN)
Diane Kampa—Lino Lakes, Minnesota
People
• Fishing for Trouble
Corrine Dombrowski—Amherst Junction, Wisconsin
• Sunrise Paddle
Glenda Henning—Marshfield, Wisconsin
• Meeting Baby Brother
Zonagale Schafer—Monroe, Wisconsin
• The Fishing Hole: Matt fishing, while
his best friend guards the worms
Angie Schultz—Shawano, Wisconsin
Animals
• Cedar Waxwing Munching on Service Berries
Sue Driscoll—Belvidere, Illinois
• Rocky Mountain Goats
Henrietta Koch—Milwaukee, Wisconsin
• Can We Go Out and Play?
Gloria Scherer—Monroe, Wisconsin
• Hummingbird Moth on Pink Flower
Jenny Wiese—Grafton, Wisconsin
Local Scenery
• Pretty in Pink
Margaret Klein—Fond du Lac, Wisconsin
• After the Storm
Roberta Lombardino—Niantic, Connecticut
2012 Photo Contest Rules
NMB is celebrating 30 years of memories that you have shared with us through your photographs. Once again, we’d like to invite
members of all ages to enter our annual photo contest. Here are what some of our past winners had to say about it.
“What a delightful surprise you sent when I opened your letter and found that I had won third prize…My family and friends have all
shared my delight. Thank you for the prize.” —Joyce Locke (1993)
“I can’t begin to tell you how pleased I am that you considered my photo worthy of first prize! I can’t wait for the magazine to arrive
so I can show my photo to friends, colleagues, and family.” —Diane Schwam (2011)
categories: Animals, People, Scenery, and Life’s Simple Pleasures (fishing, family vacations, backyard BBQ, etc.)
prizes: First Place – $150 • Second Place – $100 • Third Place – $75 • Fourth Place – $30 • Fifth Place – $30
PLEASE NOTE: If there are less than five submissions in a category, prizes may not be awarded.
rules:
1. You must have an NMB life insurance policy or annuity contract by the application deadline. Termination of NMB
membership automatically terminates eligibility in this contest.
2. Only one entry per member accepted.
3. The subject of your photo must be one of the four categories listed above.
4. Submit an 8” x 10” (preferred) or 5” x 7” color or black & white print by mail.
5. Attach a label to the back of your photo and print your name, address, email address, phone number, policy number,
photo category, and photo title.
6. You must have photographed your entry in the past year.
7. Photos must be mailed flat. Wrap in cardboard to avoid postal damage.
8. Framed or matted photos, and photos that have previously won an NMB prize, will not be accepted.
No professional photos accepted.
9. Entries may not be altered using image editing software.
10. All entries become the property of National Mutual Benefit and will not be returned.
11. Entries must be postmarked on or before July 14, 2012.
Mail entry to: Fraternal Services, National Mutual Benefit, P.O. Box 1527, Madison, WI 53701-1527.
23
Understanding the Annual Statement
for your Universal Life Policy
To be effective, a program of life insurance should be carefully tailored to each person’s unique situation. It’s important to remember
that an insurance program that was developed as little as five years ago may no longer be performing to meet your changing needs—
this is why it’s so important to understand your universal life policy statement and pay close attention to the current state of your
policy. It is also important to conduct regular reviews of your policy with your district representative who knows what to look for.
1
Policy Number: If your policy number begins with the letter “U” or the letters “CU” you have a universal life insurance policy.
Your policy type indicates that it is a flexible premium adjustable life policy, however, this is the contract language for what is
commonly referred to in the insurance industry as universal life insurance.
2
death benefit: This value is the death benefit of your policy. This means at the time of your death, your beneficiary(ies) will
receive this amount minus any loan balance (#9) you may have taken against your policy.
3
Previous balance: This is the cash value your policy had at the time of your last annual statement.
4
Plus amounts applied less interest: This is the actual amount of premium you paid in to your policy in the past year.
5
Plus interest earned: This is the interest you have earned on your policy’s cash value and the premiums paid in the past year.
6
Less deductions: The cost of insurance, rider costs, gross surrender amount, and administrative costs are the possible
deductions your policy may have. Funds are deducted from the premium you pay for these purposes; any remaining funds
become part of your policy’s cash value.
7
Total deductions: This number is the total of all of the deductions for your policy.
8
Cash value: This number reflects the total cash value of your policy. Compare the cash value on your current annual statement
with the cash value from one year ago (#3). Make sure it is continuing to grow. It could be decreasing due to the cost of insurance,
not paying enough premium, a lowered interest rate, or a withdrawal.
9
Loan balance: This is the total amount that you have borrowed against the loan value of your policy. Remember to make
loan payments if necessary, as loans are charged interest which could deplete the cash value of your policy. If the loan remains
unpaid, your premium payments may not cover the cost of insurance plus interest and your coverage could lapse.
10
Current surrender charge: This is the amount that you would forfeit if you decided to cash surrender your policy.
11
Surrender value: This is the amount that you would receive if you decided to cash surrender your policy.
12
Average annualized rate: This is the average rate of interest you earned over the past year.
13
Current annualized rate: This is the current interest rate that NMB is paying. This rate is subject to change at any time.
14
Total cost of insurance this month: This is the monthly cost of your insurance including the cost of any riders your
policy may have, as well as any administrative costs.
15
Contract maturity date: This is the date at which time your policy matures. If the insured is still living and the policy is
in force, you will receive the policy’s current surrender value.
16
Policy projection: The policy projection shows you when your policy will terminate if you stop paying premiums based
on the current interest rate and current charges and based on the guaranteed interest rate and guaranteed charges. It also tells
you if you continue to pay your planned premium (#17) when your policy will terminate based on the current interest rate
and charges and based on the guaranteed interest rate and guaranteed charges. It is important to check to make sure that your
policy projection indicates that your policy will provide coverage as long as you intended it to.
17
Planned premium: This is your scheduled premium payment. Compare the cost of insurance (#14) to your planned premium
payments; the cost of insurance, as a general rule, should be less than your monthly* premium to keep your policy in good
standing. As the cost of insurance will change each year as your age increases, it is possible that you will need to increase your
premiums to cover the increasing cost of insurance. (*Note: Premium payments can also be quarterly, semi-annual, etc.)
Policy Number: U00000 1
NATIONAL MUTUAL BENEFIT
PO BOX 1527
MADISON WI 53701-1527
All values are as of: Apr 14, 2011
Prepared: Apr 14, 2011
Insured: JOHN P DOE
Policy type: Flexible Premium Adjustable Life 1
Option: Specified amount only
Issue date: Apr 14, 1997
JOHN P DOE
1010 BIRD ST
MADISON WI 53719
Primary insured UL4
$90,563.00 2
Since Nov 1, 2011, your policy was affected by the following transactions:
Previous balance:
Plus amounts applied less interest:
$675.12 4
Plus interest earned
Less deductions: 6
Cost of insurance
$238.08
Rider costs
$36.00
Gross surrender amount
$0.00
Administrative costs
$88.56
CASH VALUE:
Cash value
$8,184.16 8
Less loan balance
$0.00 9
Less current surrender charge
$167.53 10
SURRENDER VALUE:
$8,016.63 11
$7,454.25 3
$417.43 5
$362.64 7
$8,184.16 8
Policy values may be different than originally illustrated because of interest rate changes
and/or mortality or expense charge changes. Adjustments in payment levels and/or the length of
time payments are made may be required to achieve the values originally illustrated.
The average annualized rate for the past year was:
The current annualized rate of interest is:
5.46%* 12
5.00%* 13
Only the guaranteed rate of 4.00% is paid on the portion of the cash value which equals any
policy loan amount. The current rate of interest if reviewed by NMB’s Board of Directors and is
subject to change at any time.
Page: 2
Policy Number: U00000
Insured: JOHN P DOE
For this policy month, the cost of insurance is:
For Flexible Premium Adjustable Life 4
Insured: John P Doe
For GUARANTEED INSURABILITY OPTION RIDER
Insured: John P Doe
For WAIVER OF PREMIUM BENEFIT RIDER
Insured: John P Doe
For Acceleration of Death Benefits
Insured John P Doe
Administrative costs
Death Benefit
$20.51$90,563.00
Total cost of insurance this month
$27.51 14
$3.00$50,000.00
$0.86
$0.00
$0.00
$0.00
$4.00
This contract matures on the anniversary date of the policy at your attained age of 95, which 15
is Feb 17, 2070, provided the policy is sufficiently funded to cover all mortality and expense
charges to that date.
IF NO MORE PREMIUMS
Jan 14, 2032 Based
which
Jan 14, 2027 Based
which
Planned Premium:
ARE PAID, THIS POLICY WILL TERMINATE: 16
on CURRENT rate of interest and a CURRENT cost of insurance,
is attained age 70.
on GUARANTEED rate of interest and a GUARANTEED cost of insurance,
is attained age 65.
$56.26 Monthly 17
IF CURRENT PLANNED PREMIUMS CONTINUE TO BE PAID, THIS POLICY WILL TERMINATE: 16
Apr 14, 2050 Based on CURRENT rate of interest and a CURRENT cost of insurance,
which is attained age 88.
Jun 14, 2040 Based on a GUARANTEED rate of interest and a GUARANTEED cost of insurance,
which is attained age 78.
25
h e alth & f i tn e ss
An Organic Overview
You’ve heard about “going organic,” but is it for you?
T
here’s certainly nothing new about
the concept of organic farming. In
fact, it wasn’t even until the end of
WWII that the technologies for synthetic
fertilizers and pesticides were developed.
But the truth is, even though organic
food sales are booming—U.S. sales of
organic food and beverages have grown
from $1 billion in 1990 to $26.7 billion
in 2010, according to the Organic Trade
Association’s 2011 Organic Industry
Survey—there are still a lot of misconceptions about what organic means and, more
importantly, what it means in your life.
from pesticides can cause everything from
headaches to cancer, they have not shown
that the amounts of pesticides found on
most conventional foods are enough to be
harmful.
There is some evidence to suggest that
while low-level pesticide exposure is safe
for most healthy adults, it could be more
dangerous for pregnant women (it puts
Is it safer and healthier for me? more strain on organs that are already
Conventional food must meet the same overworked) and individuals with comquality and safety standards as organic promised immunities due to specific
food; the difference between the two is in diseases. Exposure can also be more detthe way they are grown, handled, and pro- rimental for fetuses and children, whose
cessed. Although some research claims that immune systems are less developed and
What does organic mean?
without pesticides and fertilizers, plants more vulnerable.
Organic food must be produced without increase production of vitamins and antimost conventional fertilizers and pesticides, oxidants to strengthen their resistance to Is it better for the environment?
sewage sludge fertilizers, bioengineering, bugs and weeds, there is still significant Organic agriculture has many environor ionizing radiation. Farmers who grow debate about whether organic foods have mental advantages. Because no synthetic
organic food only use natural fertilizers a higher nutritional value.
fertilizers or pesticides are used, organic
like manure and compost and natural pest Organic foods, however, do contain far agriculture reduces the pollution of
killers such as plant oils. Organic farm- less pesticide residues than conventional groundwater. Organic farming helps
ers also implement the use of renewable food. While some studies have shown that create a nutrient rich soil that supports
resources and conserve water and soil to exposure to large amounts of chemicals plant growth and reduces erosion. It also
help preserve the environment.
Animals on organic farms must be kept
in living conditions that accommodate
their natural behavior, which is not always
the case on conventional farms, and are
only fed organic food. They may not be
given hormones, antibiotics, or medications in the absence of illness.
h e alth & f i tn e ss
minimizes the greenhouse effect and
global warming by sequestering carbon
in the soil. Organic farm practices increase
biodiversity and tend to conserve energy
and protect the environment by establishing an ecological balance.
fresh produce is properly washed, many
of the pesticides can be removed. This
means washing and scrubbing produce
thoroughly under streaming water without soap—even for produce with inedible
skins like melons. Make sure to also remove
the outer leaves of leafy vegetables.
Why is organic so expensive?
There are also certain types of produce
If you’ve ever compared an organic prod- that have been found to contain higher
uct to its conventional counterpart, you’ve levels of pesticides than others. Peaches,
probably noticed a fairly significant price celery, strawberries, apples, blueberries,
difference—sometimes as much as double! raspberries, nectarines, bell peppers, spinThere are, however, legitimate reasons for ach, potatoes, and cherries contain higher
this difference, as well as hope that it may pesticide levels than other produce. If you
not always be this way. Currently, the eat organic foods on occasion, it may be
supply of organic food is not sufficient to worth doing so with these items. But, brocmeet demand; as the supply continues to coli, asparagus, onions, peas, corn, bananas,
grow, the cost will continue to decrease. kiwi, pineapple, mangoes, papaya, and avoDistribution chains for organic products cados typically contain the least amount of
can be inefficient due to the small volumes pesticides; so buying conventional varietproduced because it must be separated ies of these items might make more sense.
from conventional produce for processing Some also argue that organic beef and milk
and transportation. Organic farms require are worthwhile investments, especially for
significant amounts of labor and manage- children, because of the decreased expoment, which also contribute to the higher sure to hormones and antibiotics.
expense for consumers.
Although going completely organic
What should I be doing?
isn’t a very realistic idea for many of us,
Experts agree that even if you don’t eat maybe there is something we can gain
organic produce, the benefits of eating from incorporating a few aspects of an
fresh fruits and vegetables far outweigh organic lifestyle into our routines. For
the potential downsides of pesticide expo- more information on organic living, visit
sure. There are many that believe that if www.organicitsworthit.org. F
Reading the Labels
• 100 percent organic: must contain
only organically produced ingredients and processing aids (excluding
water and salt)
• Organic: must consist of at least 95
percent organically produced ingredients (excluding water and salt)
• Made with organic ingredients:
must contain at least 70 percent
organic ingredients.
• Products that contain less than 70
percent organic ingredients cannot
use the term organic anywhere on
the main packaging, but can identify the specific ingredients that are
organic in the ingredients.
• Products bearing the “USDA
Organic” seal have been grown
and processed according to federal
standards.
Other Organics
The term organic doesn’t just apply
to food. Items such as makeup,
household cleaners, and clothing
are readily available for those who
wish to minimize their exposure to
potentially harmful chemicals in all
aspects of their life, as well as protect
the environment.
27
d i n i n g w i th d o r i s
W
hat better way to usher in the winter season than
to ask some friends in for a hearty brunch. The Country
Breakfast is sure to satisfy any appetite. Complementing the
main dish, the colorful fruit casserole will delight both the
eye and the palate! The tart cranberry rolls are a seasonal
favorite and delightful when accompanied by hot chocolate
or Mocha Coffee (for adults). Enjoy the cooler weather and
this delicious menu of comfort food.
Country Breakfast
Cranberry Walnut Rolls
Fruit Casserole Delicious
1 pound frozen hash brown potatoes
1/2 cup chopped onion
2 Tbsp. chopped green pepper
2 Tbsp. butter
1 pound seasoned sausage,
cooked and crumbled
—OR—
1 pound cubed ham
8 eggs, beaten
1/2 cup milk
1/8 tsp. pepper
1/2 tsp. salt
1 cup shredded cheddar cheese
Parsley
1 pound frozen bread dough
(thawed to room temperature)
1 Tbsp. melted butter
1 cup thick cranberry sauce
1/2 cup coarsely chopped walnuts
1-1/2 oz. cream cheese, softened
2 Tbsp. butter, softened
1 cup powdered sugar
1/2 tsp. vanilla
1 (15 oz.) can sliced pineapple
1 (16 oz.) can peach halves
1 (16 oz.) can pear halves
1 (15 oz.) can apricot halves
1 (15 oz.) jar apple rings
1 stick butter
1/2 cup brown sugar
2 Tbsp. flour
1 cup sherry
Bring the bread dough to room temperature
and roll out on a floured surface to a 7 x 11 inch
rectangle. Brush with melted butter. Spread
the cranberry sauce on the dough to 1-inch
from the edges. Sprinkle with walnuts. Starting
with the long side, roll up jelly roll style. Cut
into 1-inch slices and place cut side down in a
buttered 9 x 9 inch baking pan. Let rise until
doubled. Bake at 375° for 25 to 30 minutes, or
until well browned. Makes 9 rolls.
Beat remaining ingredients together until
smooth. Frost rolls while they are warm.
Drain all the fruit. Cut pineapple slices in half
and also the peaches and pears if they are large.
Arrange fruit in a 3-quart casserole dish, putting the apple rings on top as a garnish. On low
heat, cook the butter, sugar, flour and sherry
until thickened. Pour over the fruit evenly.
Marinate for several hours or overnight. When
ready to serve, heat in a 350° oven for 20 minutes or until hot and bubbly. Serves 10 to 12.
Thaw potatoes slightly. Sauté onion and green
pepper in butter. Add potatoes and cooked sausage or ham. Heat until potatoes are separated.
Place in a 9 x 13 inch buttered baking dish.
(Can be made the night before to this point.)
Cover and refrigerate. Beat the eggs with milk,
add pepper and salt and pour into baking dish.
Sprinkle with cheese. Bake at 350° for 45 minutes, or until eggs are set. Garnish with parsley.
Makes 8 servings.
l
Mocha Coffee
For each cup of coffee:
1 cup hot coffee
1 Tbsp. grated dark chocolate
Splash of kirsch or rum
Whipped cream
Stir 2 teaspoons grated dark chocolate into hot
coffee. Add the spirits and top with a dollop
of whipped cream. Garnish with remaining
grated chocolate.
l
Hot Chocolate Mix
1 pound instant non-fat dry milk
1 3/4 cups powdered sugar
3/4 cup cocoa
1/4 tsp. salt
Mix ingredients together and keep in a sealed
container. Use 1/3 cup of this mix to 1 cup hot
water.
The recipes featured above are from Doris
Streiff ’s Down on the Farm and Down on the
Farm Book II cookbooks. To correspond with
Doris, please send your letters to:
Doris Streiff
National Mutual Benefit
P.O. Box 1527
Madison, WI 53701-1527
benn y ’ s y o uth page
110th Anniversary Essay Contest
One Flag—One Nation
The American Flag is one the most meaningful symbols our country. Its importance
has lasted for a long time, and respect for the American flag has been a cornerstone of
National Mutual Benefit’s patriotic efforts since it was founded in 1902.
As a celebration of NMB’s 110th anniversary in 2012, we are holding a youth essay
contest for students in 4th-9th grade. NMB youth members and children of members are
eligible to participate.
The topic is One Flag–One Nation: What the American Flag means to me.
Grade Categories
 4th-5th grade
 6th-7th grade
 8th-9th grade
Prizes (awarded in each age group)
 1st place: $110
 2nd place: $50
 3rd place: $25
NMB will also donate a new American flag to each of the 1st place winners’ schools.
Eligibility
ÌÌ NMB youth members and children of members in 4th through 9th grade during the
2011-2012 school year are eligible.
Essay Rules
ÌÌ
ÌÌ
ÌÌ
ÌÌ
ÌÌ
Topic: One Flag–One Nation: What the American Flag means to me
Essays should share why the flag is an important symbol for our country
Maximum word count is 250
Essays may be handwritten or typed and double-spaced
Essays must be original and written by the student
Other Requirements
ÌÌ One entry per student
ÌÌ Students must provide name, address, and grade on the essay; as well as either
the contestant’s policy number or parent’s policy number (if child of a member)
ÌÌ Essays become the property of National Mutual Benefit and will not be returned
Mailing Instructions
ÌÌ Mail essays to: Fraternal Services—Essay Contest, National Mutual Benefit,
P.O. Box 1527, Madison, WI 53701-1527
ÌÌ Entries must be postmarked on or before June 1, 2012
29
national mutual benefit
6522 Grand Teton Plaza
P.O. Box 1527
Madison, WI 53701-1527
nonprofit org.
u.s. postage
paid
madison, wi
permit no. 2939
Change Service Requested
Don’t Let Yourself Get Stranded!
In an effort to make sure our records are up-to-date,
we ask that all members supply us with a current
address, phone number, and email address.
This information can be submitted by returning
the postage-paid card located on page 25
(complete section 1—address change) or by visiting
www.nmblife.org/NMBPHS and completing the
address change form electronically.
P.O. Box 1527 • Madison, WI 53701-1527
(608) 833-1936 or 1-800-779-1936
www.nmblife.org
BN0611

2011 Photo Contest Winners

Transcription

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