News & Announcements

Father Crosser

The Diocese of Altoona-Johnstown is mourning the passing of a senior priest. Reverend Raymond G. Crosser passed on July 22.

He was born on April 7, 1930, in Bellwood, the son of the late Raymond C. and Beatrice (Flynn) Crosser.

He graduated from Altoona Catholic High School, Saint Vincent College in Latrobe and Saint Vincent Seminary.

 

Father Crosser was ordained a priest on May 26, 1956, at the Cathedral of the Blessed Sacrament in Altoona.

After ordination, he was appointed Assistant Pastor at Saint Patrick Parish in Newry/Saint Anne, Claysburg. He later served as Assistant Pastor at Immaculate Conception Parish in Lock Haven, Saint Benedict Parish in Johnstown, and Our Mother of Sorrows Parish in Johnstown.

 

He was Pastor of Saint Agnes Parish in Lloydell, Saint Thomas the Apostle Parish in Bedford, Saint Michael Parish in Hollidaysburg, Saint Edward Parish in Barnesboro, Our Lady of Lourdes Parish in Altoona, and Saint Thomas More Parish in Roaring Spring.

 

Father Crosser retired from active ministry in 1996. In his retirement, he proudly served as a Chaplain for Bishop Guilfoyle Catholic High School athletics.

 

Father Crosser also named the Star of the Sea Council.

A viewing will be held on July 27 from 2:00-7:00 p.m. at Saint Joseph Parish in Bellwood and on July 28 from 9:00-10:45 a.m. at Saint Joseph. A funeral Mass will be celebrated on July 28 at 11:00 a.m. at Saint Joseph.

News from our Field Agent Michael

Knights of Columbus Insurance Update

 

The mission of the Knights of Columbus today remains the same as when it was founded in 1882: to protect Catholic families financially and to help strengthen the Catholic faith of our members.

 

While the current medical, social and economic issues we face are unsettling, it’s not the first time we have risen to meet such challenges. Our Order has stood strong through past crises such as the Spanish flu in 1918, the Great Depression and the financial crisis of 2008. 

 

Just as we stood together during those times, we stand ready in our own difficult times to provide life insurance, annuities, long term care and disability insurance. Knights of Columbus Insurance agents are fully equipped and eager to help you understand how the current climate may affect your personal finances and how our products can help.

 

As an agent I can talk to you over the phone or through a virtual meeting using Skype or similar software. Agents are ready to answer questions, assist with service-related issues and help show you how you can reduce your financial risk.

As the Knights of Columbus turns 138 years old, it is an opportune moment to thank our founder, Father Michael McGivney, for his foresight in founding an Order that consistently provides reliable financial protection for Catholic families. You do not face the current challenges alone. Our commitment to helping you and your family remains strong.

 

Vivat Jesus!

In Memory of Our Chaplain

 

The Diocese of Altoona-Johnstown is mourning the passing of Reverend Anthony J. Legarski, Pastor of Saint Mary Parish in Hollidaysburg. Father Legarski passed on November 5 at a Pittsburgh hospital following a brief illness. He was 61 years old.

Father Legarski was born in Somerset, the son of John and Yolanda (Lapina) Legarski. He attended Somerset Area High School, Saint Francis University, and Mount Saint Mary’s Seminary in Emmitsburg, Maryland.

He was ordained a priest in 1983 at the Cathedral of the Blessed Sacrament in Altoona. He served as Parochial Vicar at Our Lady of Lourdes Parish in Altoona, Saint Mary Parish in Hollidaysburg, and Saint Mary Parish in Altoona. During some of those years, Father Legarski was also active in the Naval Reserves.

He was appointed Pastor of Holy Spirit Parish in Beaverdale in 1999, an assignment he held until his appointment as Pastor of Saint Mary Parish in Hollidaysburg in 2005.

A viewing will be held on November 13 from 6:00-8:00 p.m. and on November 14 from 2:00-4:00 p.m. and 6:00-8:00 p.m. at Saint Mary Parish in Hollidaysburg.

A funeral Mass will be celebrated on November 15 at 10:00 a.m. at the Cathedral of the Blessed Sacrament in Altoona.

Bishop Mark sends his thoughts and prayers to the Legarski family and the parish family of Saint Mary.

Our Field Agent

Michael J. McAndrew IV

 

 

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814-505-4971

 

Michael.McAndrew@kofc.org

 

Life Insurance  *  Long Term Care Insurance

Retirement Annuities  *  Disability Income Insurance

 

Protecting Catholic families since 1882

 

Click to Read the October 2020 Article

 

Click Here to Read the August 2020 Article

 

Click Here to Read the July 2020 Article

 

Click Here to Read the June 2020 Article

 

Click Here to Read the April 2020 Article

 

Click Here to Read the March 2020 Article

 

Click Here to read the February 2020 Article

 

Click Here to read the January 2020 Article

 

Click Here to Read the December 2019 Article

 

Click Here to Read the November 2019 Article

 

Click Here to Read the October 2019 Article

 

Click Here to Read the July 2019 Article

 

Click Here to read the June 2019 Article

 

Click Here to read the April 2019 Article

 

Click Here to read the February 2019 Article

 

Click Here to read the July 2018 Article

 

Click to read the May 2018 Article

 

 

Agent Biography

Michael J. McAndrew IV

 

Michael J. McAndrew IV is a Knights of Columbus Field Agent with the Hutek Agency, serving brother Knights and their families in Altoona, Hollidaysburg, Bellwood, Tyrone, and Houtzdale. Michael has been a member of the Knights of Columbus for nearly five years, and became a Field Agent for the Order in 2016.

When asked why he became a Field Agent, Michael said, “I became a field agent because I felt it was the perfect career choice to combine my career and faith together and be able to provide for my family.”

Originally from Altoona, Pennsylvania, Michael earned a degree in Education from Pennsylvania State University. Prior to becoming a Field Agent, Michael enjoyed a long career in the Jewelry Industry.

Michael and his wife who is a clinical manger for UPMC Altoona reside in Bellwood with their two children, Michael James V. (3) and Killian Gabriel (2), and are parishioners at St. Josephs Parish where Michael served as a technical advisor for the parish priest. Michael is currently in charge of member recruitment for his council MONSIGNOR EDWARD O MALLEY #8075.

When asked what he hopes to achieve for his members, Michael said, “I hope to help every Catholic family I meet by showing them the benefits available to them through the Knights of Columbus that can be utilized to secure the future of this generation as well as those to come.”

Michael has extensive knowledge of the products the Knights of Columbus offers to members and their families, and stands ready to help them achieve their financial goals.

Contact Michael today to set up an appointment and learn how the Knights of Columbus can help protect your family.

 

Michael J. McAndrew IV

814-505-4971

Michael.McAndrew@kofc.org

 

Form 100

Form 100

Brother Knight:

Attached to this announcement is our Form 100.  You should always have a copy of this form with you.  Please print a few copies so you have an ample supply.  Let's try to recruit 1 new member per month.

2017 Fall Powersports Raffle Winner

Congratulations to Dirk Medley of Wyoming

Winner of the 2017 Knights of Columbus

Fall Powersports Raffle

3 Generations

Three Generations

 

     It was a cold December day when I decided to stop in to visit with my Mom and Dad.  We started talking about the Council and how the current fundraiser was going, and then about some other ideas for future events.  When the subject came up about Supreme wanting the Councils to close and sell the Homes, we started reminiscing about all the family and friends that were, and still are members at 4245.  That's when my mother said "here, I have something for you"; my mother then handed me this photo taken on the old stair well of the building.  In the picture I have four uncles, my father, and many old friends.

     Although my family hasn't always been very active, my son is on its third generation in the 4245 Council.  My Dad and I have been flipping chickens before 1989 (the year I joined).  After a Chicken Bar-B-Q in 1989 a few of us were sitting under the pavilion drinking a beer, when Herm Beyer said to me "Bobby you need to join".  I then think it was Gary Ellis that went into the club and grabbed a form to fill out.  Fifteen years later, my oldest son started to come with me to help with the chicken BBQ's.  And now twenty eight years later after joining, here we are.

     As the years went on, I continued to help with the Chicken BBQ's, but still wasn't actively coming to meetings.  It wasn't until I heard about the Shelby Raffle in 2015 that I started to be more active.  At that time my oldest son also showed interest in helping with the raffle, and not too long after, decided to join the council himself (along with some help from Gary Ellis; again).  During the Shelby Raffle my wife and I had a blast hauling the car to different shows and spending time with Brother Knights and their spouses.  We didn't just sell tickets to raffle off the car; we made some new friends and great memories.

     Our Council has raised a lot of money for the community and other charities since it started in 1956.  The original work on the old "Mom and Pop" store they bought was done by my Dad, uncles and their friends (Brother Knights).  This old photo brings back a lot of memories of my uncles and old friends.  I would like to think that this photo was given to me at the perfect time.

     Please attend our 2018 February meeting and vote "YES" to keep the Council Home.

Winner of the KofC 4245 Power Sports Raffle

Congratulations to Stanley Pacovsky of Altoona. Stanley chose the Yamaha Wolverine.......We would like to thank everyone that bought a ticket and participated in the event. A huge thanks to Josh Mazzei and the team at Five Star Powersports in Duncansville!!

Winner of the 2016 Shelby Super Snake

The first core virtue of the Knights of Columbus is Charity. In 2015, Council 4245 of Hollidaysburg donated $18,960 to charity and its members donated 26,450 hours in charitable acts. This year they should come close to doubling those numbers! The council recently concluded working on a large project in order to continue its acts of charity. They raffled off a 2016 Mustang Shelby Super Snake, in cooperation with Stuckey Ford. This beautiful ruby red Shelby has a 750+Horsepower engine, and a one of a kind interior, put in by Shelby just for the raffle. The car is valued at approximately $97,000!

 

One of the main ways the council raises funds is through there chicken BBQ’s. The pits have been used for 3 generations to support many charities. At this time, the Juniata River is dangerously close to destroying their BBQ pits and pavilion. They’ve exhausted every method to secure a grant, for the necessary repairs to the river bank, so they don’t lose this valuable tool. This fundraiser’s proceeds will enable them to continue support for many charities, and start the necessary repairs to the eroding riverbank.

 

The raffle concluded October 2nd at Legion Park in Hollidaysburg. It was held in cooperation with the Blair County Antique Auto Club, with a Cruise-In and Picnic. The winning ticket was drawn by retired NASCAR Driver Jimmy Spencer at 2pm. The BIG winner was Trenton Williams of Beaver Falls, PA.

 

Trenton wasn’t the only big winner of this raffle.  At the Cruise-In and Picnic the Knights of Columbus Council 4245 of Hollidaysburg PA presented checks to: St. Jude’s Hospital Children’s Research Hospital in the amount of $12,000, St. Vincent DePaul Food Bank of Altoona, in the amount of $2,600, American Rescue Workers Food Bank of Hollidaysburg, in the amount of $2,600, The ARC of Blair County in the amount of $2,600, and The Project Diagnosis Foundation (a local charity that supports Multiple Sclerosis) in the amount of $2,600. Then after all the proceeds were calculated they voted at their regular monthly meeting to give $700 checks to The American Legion Mothers for their military care package program, The WALY Warmth program for warm winter clothing for children in need and the James E Van Zant Veterans Hospital for its annual Christmas party for their patients.

 

Also benefitting from the Cruise-in and Picnic was St. Patrick’s School of Newry.  The school raised approximately $3,000 to support the school and its programs.

 

The Council wants to extend a big thank you to everyone that made this fundraiser a huge success!

 

To learn more about the Knights of Columbus Council 4245 please visit www.kofc4245.org and to learn more about the raffle please visit www.kofc4245shelby.com

Long-Term Care Plans Offer Peace of Mind

 

 

 

 

 

 

 

 

 

Long-Term Care Plans Offer Peace of Mind

 

Since its addition to the Order’s product portfolio in 2000, long-term care (LTC) insurance has provided the Knights of Columbus with an excellent opportunity to further serve members and their families. And for our long-term care policy holders in the United States, there’s an added bonus.

It’s called “Provider Pathway,” a program offering access to a network of long-term care providers at discounted rates. The network includes discounts on products, such as hearing aids, diabetic supplies, personal emergency response systems, and durable medical equipment, as well as skilled nursing facilities, assisted living, and adult day care.

While many commercial life insurance companies have gotten out of the long-term care business, the Knights of Columbus considers LTC a very important piece of the family protection puzzle. The Order has been actively offering our members this product for nearly 19 years without a premium increase on current policyholders. Members who wisely purchased an LTC plan from the Knights in 2000 are still paying the same premiums today. Even better, our LTC coverage is backed by the full strength of the Order, which remains rooted in our strong Catholic values. Talk about stability when it counts!

If you haven’t yet spoken with me about long-term care insurance, you owe it to yourself to do so. Current costs of Long-term care in our area are around $110,000 a year per person. Statistically 2/3 people need long term care. For a married couple the odds are one of you if not both of you will need long-term care.

Not making a decision is actually making a decision. By putting off your decision you could be costing your family an average 20-50 times more by paying out of pocket, or by waiting, you may take yourself out of the running for a long-term care policy due to medical issues in the unforeseeable future. 

Think of how likely you or your spouse is to use a long-term care policy off the statistics, 2 out of every 3 people. Most people who have a car buy auto insurance. Most people who purchase a home buy homeowners insurance. So I propose these 3 questions to answer for yourself:

  • Why wouldn’t you buy insurance to make sure your spouse will be cared for properly if you cannot do it yourself or are no longer here?
  • Why would you want to strain or stress a spouse or children but putting more weight on their shoulders or marriage?   
  • Why wouldn’t you buy insurance to protect the assets you have worked your entire lives to build?

There are a few decisions to make in choosing a “plan” — a comprehensive plan that covers care whether you’re at home or in a facility, or one that covers facility only; daily benefit amounts and benefit durations (how much and how long it will last); and the length of the elimination period (waiting period) before benefits kick-in.

Having a professionally trained agent ― and a brother Knight you can trust ― to help guide you through the process is yet another valuable benefit that comes with your membership. Take advantage of it; contact me today.

Love is in the air

 

 

 

 

 

 

Love is in the air!

 

Love is in the air!  During the month of February and especially around Valentine’s Day, we spend a lot of time thinking about our loved ones.

 

We do much more than think about loved ones; we give flowers and chocolates and send greeting cards.  Why all the fuss?  To show our love, of course!  But have you ever considered that you should Insure Your Love?

That’s really what insurance is all about.  People buy insurance because they love someone.  I bought life insurance because I love my wife and children.  I don’t want them to experience a lack of money if I’m not here to provide for them.  I want to make sure they can stay in the same home we love; I want to make sure that my children will have the college education they will need; I want to ensure that my daughter will have the wedding she’s always dreamed of; I want my family to continue to live the lifestyle I’ve been so fortunate to be able to provide.  My policy even has living benefits that I can enjoy!

 

In addition to life insurance the Knights of Columbus offers Disability Income Insurance, Long Term Care Insurance and Retirement Annuities.  All of these help Insure Your Love.  If I can’t work because of illness or injury, my disability income insurance will provide for the necessities until I can work again; my long term care insurance will help me stay in my home or go to a nursing home and get the care I need without being a financial burden to my family; my retirement annuities will help my wife and me enjoy our golden years.  All these products have helped me insure my love.

 

Let me suggest to you to buy that box of chocolates, get a beautiful arrangement of flowers or a dozen roses and include a card; but then sit down with me and with your wife and let me show you how you can Insure Your Love.

 

Vivat Jesus!

Is Your Paycheck Protected?

 

 

 

 

 

 

 

 

 

 

Is Your Paycheck Protected?

 

Most people see work as something that will always be there. We live our lives expecting to wake up, go to work, and complete our tasks throughout the day to provide for our families. Work, and the financial stability that it provides, is often taken for granted. What if one day you wake up and you are no longer able to go to work, through no fault of your own? Accidents and illness can affect anyone, at any stage in their career. How will you react to unforeseeable adversity? Do you have a plan in place if you are no longer able to perform your duty?

 

The Knights of Columbus can help you put this plan in place and prepare for unexpected life events.

 

Retirement is often planned, but disability is not. Chance favors no man. Too often people say “that will never happen to me” or “I will cross that bridge if it comes.” There is no bridge that carries you over the void from gainful employment to disability unless you start planning today.

Disability insurance is often dismissed by working men and women because they think their jobs are fairly safe. Their lives are fairly healthy. Disability — they say — is simply something they will never experience.

 

The statistics tell a different story.

 

According to the United States government, a staggering 1 in 4 of today’s 20-year-olds will become disabled before reaching the age of 67. The nature of the job is irrelevant. According to the Social Security Administration, 95 percent of all disabling illnesses and accidents happen outside of the workplace.*

 

Consider a typical male, age 35, non-smoker, who works at an office job with some outdoor responsibilities and leads a very healthy lifestyle. He has a 28 percent chance of being injured or becoming ill and unable to work for three months or longer prior to retirement.**

 

If this happens to you, not someone else, will you have a bridge to carry you and your family?

If your illness or injury is among the 95 percent that happen outside of work, workers’ compensation will be of no assistance to you. 7 in 10 employed Americans say they would feel the financial pinch in a month or less without their paycheck.*** What if your last paycheck really is your last paycheck?

 

There is a solution, however.

 

Your membership in the Knights of Columbus gives you and your eligible family members exclusive access to disability income insurance that can help safeguard your paycheck.

 

With Knights of Columbus Disability Income Insurance, you can ensure you and your family are provided for in the event of unexpected loss of work.

 

Our disability income insurance is designed to be flexible so that, working with your brother Knight field agent, you can customize it to fit your needs. You choose the monthly benefit amount that’s right for you, the elimination period that makes the most sense, and the maximum benefit period for your policy.

 

By purchasing a disability income insurance policy from the Knights of Columbus, you have the added security of knowing that you are doing business with a Catholic company that makes sure its investments do not violate Church teaching and which has been repeatedly recognized as a “World’s Most Ethical” company. ****

 

 

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Our Guarantees Set Us Apart

 

 

 

 

 

 

 

 

 

Our Guarantees Set Us Apart

 

Knights of Columbus life insurance offers something precious few other financial products can – guarantees. As long as you pay your premiums, the policy proceeds will be there for your beneficiaries should something happen to you. That’s peace of mind, and that’s what we offer with every product in our portfolio.

We guarantee the cash value in your whole life policies will be there.

We guarantee the rates on your term insurance.

We guarantee the rate and your principal in our retirement annuities. 

On top of those product guarantees, I guarantee that I will offer professional, high-quality service that you would expect from our organization.

Our Order is among the highest rated life insurers in North America. AM Best has rated the Knights of Columbus “A++, Superior” for 40 consecutive years. It’s a testament to our track record for excellence and security.

I would suggest that a principal reason that we were able to achieve those accolades is because we remain steadfastly committed to the vision of Venerable Father Michael J. McGivney by providing life insurance by brother Knights for brother Knights.

That commitment is an essential core value of the Knights of Columbus, and our core values permeate all levels of our organization. We pledge to serve our brother Knights, and their families, according to our Golden Rule: “In all my professional relationships, I pledge myself to the following rule of conduct: I shall, in light of all conditions surrounding those I serve, render that service which, under the same circumstances, I would apply to myself.”

Let’s talk soon to discuss how our products can bring that peace of mind to you and your family.

 

Michael J. McAndrew IV

814.505.4971

Michael.McAndrew@kofc.org

50th Anniversary Booklet

50th Anniversary Booklet

On Friday July 15th and Saturday July 16th, 2006 our council celebrated it's 50th anniversay.  This article contains a pdf of the booklet that was given at that ceremony.  The booklet tells the history of the council and many interesting facts and events that took place during those 50 years.  Also in the photo gallery are pictures from the event.

The Catholic Difference

The Catholic Difference

 

What does that mean, “Discover the Catholic Difference?” Is it just a marketing slogan or is there real meaning behind it?

Let’s look at that at several levels.  Our Catholicity as an organization forms all that we do. Our Order was founded on the principles of Charity, Unity and Fraternity; as a Catholic business we also have core values of Integrity, Professionalism, Excellence and Respect.  In all our dealings we try to embody those values in the field and at our Supreme Office. 

Money from insurance premiums and annuity deposits is managed by our investment department colleagues, Knights of Columbus Asset Advisors.  They manage that money, now amounting to more than $24 billion, using sound investment strategies in full compliance with the United States Conference of Catholic Bishops’ socially responsible investment guidelines.  We will not invest in companies that engage in abortions, producing abortifacient drugs, embryonic stem cell research, human cloning or pornography. Our Asset Advisors prove that a business can operate on these principles and still produce a healthy profit. That’s a Catholic Difference!

Our charitable contributions of more than $185 million last year went to a wide variety of organizations.  Many were Catholic, but some were not.  We give money to support worthy causes and we do that, not because they are Catholic, but because we are Catholic.  That’s what our faith calls us to do; Sirach 40:17 tells us that acts of kindness and charity last for an eternity.  We are supporting victims of genocide in Syria and other places in the Middle East.  We have placed more than 1000 ultrasound machines in all 50 states and saved more the 1 million lives. We financially and spiritually support seminarians, disaster victims, Special Olympians and many others.  All this from the profits of our insurance program and investments and the contributions of members. 

That’s a Catholic Difference!

And speaking of the insurance program, let’s talk about the “Discover the Catholic Difference” there.  Here are a few examples:  First, our products are designed with our members’ needs in mind.  For example, I’m not aware of any other company that offers a Spousal Waiver of Premium benefit…and there is no additional premium for that! Second, we have never raised our Long-Term Care Insurance premiums, something very few, if any, insurance companies can say.  Third, we offer Disability Income Insurance to blue collar workers as well as white and grey collar workers. We recognize that it’s not just the affluent that need that coverage. Fourth, we still meet with brother knights and their families in their homes if they prefer; it might be more convenient for them.  Fifth, young children; we want to make sure a member has the opportunity to protect their insurability with life insurance that has a guaranteed purchase option.  Sixth, our fixed-rate annuity has a minimum guarantee for life, meaning a member will always make money on his money.  Seventh, our Supreme Office is currently developing new products to meet even more needs of our members…so stay tuned!  Now that’s the Catholic Difference!

If you’d like to find out about more Catholic differences that could make a difference in your life, let me know.

 

Vivat Jesus!

 

Don’t Crowdfund Your Family’s Future

 

 

 

Don’t Crowdfund Your Family’s Future

 

There is a new phenomenon sweeping the internet: crowdfunding. Pioneered by organizations like GoFundMe, crowdfunding allows anyone to donate to a project or cause online.

 

Crowdfunding is increasingly being used to raise funds for grieving families. Chances are you’ve seen this more than once. Someone passes away, and within a day or two a representative from the family opens a crowdfunding page to raise funds to pay for funeral expenses and medical bills.

 

Without question, crowdfunding is a great way to harness the power of the internet for charitable ends, but it is often insufficient.

 

Recent studies show that the average crowdfunding memorial page raises $2,000-$2,200 — far below the average cost of funeral services.[1] Grieving families are left to deal with the shortfall as well as the additional stress of soliciting donations, figuring out how to access the money and calculating platform fees.   

 

This month is designated as Life Insurance Awareness Month. It’s a great opportunity for you to evaluate your life insurance coverage and make sure your family’s future will not be left up to a crowdfunding page.

 

Since life insurance guards against one of life’s only certainties, it’s a product that nearly everyone needs. The question is not “Do I need life insurance?” but rather “Who should I get it from?”

 

For us Knights, the answer is easy.

 

Every life insurance company sells life insurance. There are hundreds of them in North America. But there’s only one life insurance company that belongs to you.

 

From the beginning, the Knights of Columbus has been determined to offer insurance by brother Knights for brother Knights and to uphold the Catholic commitment that has animated our Order since Father McGivney’s time.

 

So, as we observe Life Insurance Awareness Month, don’t leave your family’s future to chance charity. Protect your family with the safety and guarantees of life insurance from the Knights of Columbus.

 

 

Life Insurance Awareness

 

 

 

 

 

 

 

 

 

 

Life Insurance Awareness

 

September was Life Insurance Awareness Month.  It’s the one month each year that the life insurance industry coordinates a campaign aimed at educating folks about the importance of life insurance and helping them get the coverage they need.  I don’t want to bore you with lots of statistics, but a recent survey from LIMRA (Life Insurance Marketing Research Association) found that only 59% of Americans own life insurance and about half of those are underinsured. So that means that 70% of the population either has no life insurance or has too little life insurance.

 

So what does that have to do with the Knights? The historian, Christopher Kauffman, spent several years at the Supreme Office and at the Museum, researching the book written on the 100th anniversary of our founding.  That book, Faith and Fraternalism, notes on page 13, “Fr. McGivney was deeply interested in pursuing the topic of a Catholic fraternal insurance society among groups of Catholic laymen of New Haven.” Also on page 35, “…he [Fr. McGivney again] spent his energy in promoting the insurance feature…his emphasis on insurance was his pastoral concern for the social and financial security of the family.”

 

Fr. McGivney lived both the social and the financial insecurity of a desperate family, with the breadwinner suddenly taken, that had to be supported.  He left the seminary to work and support his mother and siblings.  He didn’t want other Catholic families to find themselves in such a predicament. That, and uniting men of faith, was the impetus for establishing our Order.  Everyone who joined in those first years was insured; that was part and parcel of being in the organization.  Now every member has a choice and every member should know what we do, and how we do it.  Here’s the process

  1. Discover – Identify & prioritize your financial goals
  2. Gather Data – Collect facts & figures based on your current situation
  3. Analyze – Input data, run calculations, identify shortfalls
  4. Recommend – Propose a financial strategy designed to satisfy your goals
  5. Implement – Choose a financial strategy and implement
  6. Periodic Review – Review regularly, measure success, make adjustments

 

Why is meeting with your field agent important?  It can help any family, at any age, determine if they have blind spots in their coverage. It can help you avoid the pain of being underinsured. With a variety of life insurance products we offer we can help just about any person within any budget.

 

I don’t know about you, but I didn’t want to buy life insurance…but I did I want what life insurance provides: no change in lifestyle for the survivors…in the house where they want to be.  It’ll pay for a daughter’s wedding, a child’s college education and much more. What does life insurance provide all summed up? Peace of mind, security, freedom from anxiety, a safeguard from the unknown.

My job is to grow wealth and manage risk for YOU my brother Knight and your family.

 

Give me a call, message me with a text, send me an email, or even better yet ask fellow Knights in our council that have met with me already……… My ultimate goal is to have your family more financially safeguarded than you were before we met.

 

Vivat Jesus!

 

 

 

  1. Discover – Identify & prioritize your financial goals
  2. Gather Data – Collect facts & figures based on your current situation
  3. Analyze – Input data, run calculations, identify shortfalls
  4. Recommend – Propose a financial strategy designed to satisfy your goals
  5. Implement – Choose a financial strategy and implement
  6. Periodic Review – Review regularly, measure success, make adjustments

 

Why is meeting with your field agent important?  It can help any family, at any age, determine if they have blind spots in their coverage. It can help you avoid the pain of being underinsured. With a variety of life insurance products we offer we can help just about any person within any budget.

 

I don’t know about you, but I didn’t want to buy life insurance…but I did I want what life insurance provides: no change in lifestyle for the survivors…in the house where they want to be.  It’ll pay for a daughter’s wedding, a child’s college education and much more. What does life insurance provide all summed up? Peace of mind, security, freedom from anxiety, a safeguard from the unknown.

My job is to grow wealth and manage risk for YOU my brother Knight and your family.

 

Give me a call, message me with a text, send me an email, or even better yet ask fellow Knights in our council that have met with me already……… My ultimate goal is to have your family more financially safeguarded than you were before we met.

 

Vivat Jesus!

 

The theme for October is “Real Life Stories.”

 

 

 

 

 

 

 

 

 

 

 

The theme for October is “Real Life Stories.”

 

A field agent like me who is lucky enough to be doing this great work for even a few years, undoubtedly has a personal story of the chaos and disorder that a devastated family stares at when there is a sudden loss.  If our goal is to protect Catholic families from the near devastation that our Venerable founder faced, then I have to tell the story of how I can help my brother knights.  The process of making sure one has adequate protection for the family is not painful; in fact since we are brother knights serving brother knights, it is often a time of not only helping to protect all that is important to a family, but also a shared experience that leads to an abiding friendship.

There are two stories I’d like to relate.

 

The first is about a young boy named Julius. When Julius was 7 years old his mother, Irene, who was 37, died of cancer.  His father, Norman, had two teenage girls along with 7 year old Julius to support and raise.  The family was forced to rely on the help and generosity of friends and relatives because Irene died without life insurance. Norman had a three hour commute to his job, but always supported his children’s activities. Julius excelled at sports, especially football and his dad spent what little free time he had fostering Julius and his talent. Julius later admitted that he “was handed a life lesson early, growing up with one parent.  It wasn’t the easiest life—my dad sacrificed a lot.”

 

Fast forward to Julius some 30 years later and he is married, has a wife and two children.  He’s done quite well for himself both professionally and financially.  He has had a distinguished career and he has a considerable amount of life insurance to protect his family. Julius understands protection quite well after the early life he experienced. He understands the hardships of a family that loses a parent and what the children must go through. In his professional life he enjoyed considerable success because of those that protected him. For 13 years he was protected in his career. You see that protection for Julius came in the form of 300 pound offensive linemen…nobody called him Julius.  His nickname was “Boomer”…Boomer Esiason—a  four time Pro Bowler, an NFL Most Valuable Player and a Walter Peyton NFL Man of the Year.  Most importantly, a husband to Cheryl and a father to Sydney and Gunnar. 

“Life happens at the most unexpected of times, and life insurance is about protecting the future and the people you love,” Boomer says. “Remember, if something happens and you haven’t done the planning, the people you leave behind will feel the brunt of your mistakes.”

 

The other story is not similar at all.  It’s about a member of the Knights of Columbus in our local area.  He passed away recently and like in Boomer’s family, left behind a spouse and several young children.  There were no whispered worries at the funeral home though.  There was no GoFundMe page to raise money. There is no concern that the children will not go to college or that the wedding he promised his daughter will not take place.  Their home and future are secure.    Who was that knight?  You don’t know, because the council didn’t have to have a spaghetti dinner or pass the hat.   You don’t know his name because he planned.

 

Let’s sit down, do some planning, put your mind at ease, and make sure your loved ones won’t feel the brunt of your mistakes.

 

Vivat Jesus!

Long Term Care

 

 

 

 

Long Term Care

 

As Thanksgiving approaches at the end of the month, I like to take stock of all the things I’m thankful for.

 

It ‘s easy to say family and friends, those are blessings ; and we sometimes take them for granted…but how about the little things in life. It might be that smile you get from person who hands you your cup of coffee in the morning, it may be relishing the crisp air on an autumn day.  It may be a simple stroll in the park marveling at God’s nature abounding. Maybe the joy of helping an older neighbor with a chore.  All little things to be thankful for.

 

When I think about helping older neighbors I often wonder just how many members have taken advantage of help that they might need as they age. Some won’t be able to do the simple activities of daily living. They’ll need assistance, and with our mobile society may not have a relative nearby to help.  That’s where our Knights of Columbus Long Term Care Insurance plan might help.

 

Many people don’t know how a long-term care insurance policy helps cover the costs of care when the policy holder has a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. You can receive care in your home, a nursing home, an assisted living facility, or an adult day care center.

LTC insurance helps protect all those assets you’ve worked so hard for over the years:  your house, IRAs, savings, investments.  They could all be wiped out with even a short stay in a nursing home. The website: https://longtermcare.acl.gov/costs-how-to-pay/costs-of-care.html says that Home Health Care costs about $22/hour, Assisted Living Facilities about $4,245 per month and Nursing Home average $85,000 per year.  More expensive areas of the country are more than that.  Without LTC insurance many families would face a serious financial crisis. 

 

Most people aren’t eager to talk about long term care; but it’s important to have a plan.  Many people want to wait until they are in their 60s or 70s before they start to consider long term care.  But at younger ages it’s more likely you can qualify…and the price is less expensive when you’re younger. 

 

I can help design a plan to fit your needs…and your budget.  With that you can have peace of mind that you will get the care you need, when you need and where you want it.

Let’s talk and see how you can protect your assets.

 

Vivat Jesus!

January 2020 Field Agent Article

We seem to say it ever year, “It’s almost Christmas, where has the year gone?”  As we look back we measure the passing of the seasons, from one holiday to the next, and see how our lives have changed over that time.  Christmas and the end of the year mark a milestone for most of us.  The season gives us pause to thank God for sending his only-begotten Son to redeem us and it is a time to reflect on all the gifts we’ve received from him. God’s gift to us inspires the gift-giving so many of us enjoy at Christmastime. We certainly enjoy receiving those gifts, but reflect for a moment of what the giving of gifts does for the gift-giver. 

Some gift-givers aren’t so good with words, so they use gifts: Remember “Say it with flowers,” the slogan of FTD. Some get a sense of satisfaction in seeing the happiness of the recipient, some feel appreciation that they are able to share what God has given them. It seems to fulfill the need to please, encourage or help someone. It makes us feel good to give.

As I look back at 2019, I can’t help but think of all of the selfless members of the Order who gave gifts to help others.  As our Supreme Knight highlighted in is address at the Supreme Convention just a few months ago we are “Knights of Charity.”  And we prove this every day with the many people who give of themselves; give of their time, their talent or their treasure, to help those less fortunate and those in need.

Supreme Knight Anderson spoke about the disaster relief provided by our Knights of Charity; $4.2 million supporting hurricane victims alone.  The one thousandth ultrasound machine has been placed in service to help save more

unborn children.  He talked about our mission of charity to the Middle East  and the Christian community there that faces extinction.  More than $20 million has provided food, shelter, 

clothing and a new 140 unit apartment building for Christians and those of other religions who need our help.  Knights of Charity helped provide coats for more than 105,000 kids who will now stay warm this winter.

Knights are known for their generosity.  We are indeed, Knights of Charity.

All of these important initiatives help many others, but don’t forget about your own family…and I’m not talking about gifts that you’ll put under the tree. This holiday season as we think of giving and receiving, when we think of all the good gifts we have been given and all we are able to give, make sure you give your family the gift of peace of mind.  Secure in the knowledge that whatever challenges they may face, you have protected them.

The Knights of Columbus has the products that will do just that:  Provide financially for your family if you aren’t here, make sure you have enough for a comfortable retirement, give the care needed if you can’t care for yourself and make sure all of this comes to pass if you are sick or hurt and can’t work. It’s painless to sit down with me to analyze your particular situation.

As we prepare to celebrate Christmas, let us be thankful for all the graces God has showered on us, especially the gift of his Son, our Savior! As Isaiah 9:5 says: For a child is born to us, a son is given to us; upon his shoulder dominion rests. They name him Wonder-Counselor, God-Hero,  Father-Forever, Prince of Peace. (New American Bible, Revised Edition)

 

Vivat Jesus!

 

 

 

February 2020 Field Agent Article

 

 

 

 

 

 

Hello All,

 

Hope everyone had fantastic holidays spent with friends and family. The following are remarks for January’s newsletter.

Happy New Year!  As we begin the new year it’s common to review the past year and look at what we’d like to accomplish in the new one.      

Already there’s been much advertising and talk about 2020 and the

relation to our eyesight…how we’ll be able to see more clearly,  look at the year with new vision, not be

shortsighted.

Of course all this talk about the future brings us to the usual thinking about the new year…making resolutions. That is a good thing! All of us want to resolve to do those things that will lead to happier, healthier lives.

Some of the most common resolutions are to lose weight, get in shape and exercise more.  Others resolve to stop smoking.

If you think about the spiritual, many new year’s resolutions concern having a more centered prayer life or receiving the sacraments more often.

Many of my friends think more about quality time…quality time spent with their family and friends; those that are most important in their lives.

As you think about family, one resolution I can help you keep is to update your Family Service Record and take stock of your financial goals.  Are you where you want to be?  Do you have a plan? With our professional approach using the Profiles+ Forecaster financial needs analysis you can see if there are any gaps in your coverage and how close you are to achieving your goals and aspirations.

Some members are not aware of all the products we have to offer:  Life insurance, long term care insurance, disability income insurance and retirement annuities.  These products can help protect your family in all the

financial situations where you might find yourself. Life insurance protects your loved ones financially if you are not here to help provide.  The need for life insurance changes at different stages of a person’s life:  Young and unmarried members and the man   retiring next month each have life 

insurance needs, but the type and amount may vary widely. I can give you some advice on that. 

Disability income insurance provides a paycheck if you are sick or hurt and can’t work.  If your company offers some, do you know how much, for how long and is it taxable?  I can help sort that out.  Long term care insurance protects those assets you’ve worked so hard all your life to

accumulate.  Don’t deplete all the family’s savings for a care event when the Knights can take on that risk.  With all the concern about

market volatility and the health of Social Security, our fixed rate annuities guarantee a minimum interest rate for life, the safety of conservative

investment strategy and an income stream you cannot outlive.

What’s most important to you and your family?  There is no cookie

cutter answer.  That’s why I meet with members and their spouses and first determine what issues are of most concern to you.  From there I can help analyze where you are in relation to your goals and construct a plan to get you where you want to go.  All done in the comfort of your home and at your convenience.

As a brother Knight and your field agent I have so much more responsibility than a simple financial advisor or stock broker. We’ll take a look at your dreams, goals and aspirations for 2020 and beyond. Resolve today to meet with me and ensure that at the end of this new year, your financial picture will be seen with 2020 vision.

 

Vivat Jesus!

 

 

Love Is In the Air Version 2

 

 

 

 

 

 

 

 

Love is in the air! 

 

We spend a lot of time thinking about our loved ones during the month of February and especially around Valentine’s Day. Technically, it’s St. Valentine’s Day, originally the feast day of a Roman saint from the third century.  There is much speculation about the origins of the feast and even some discussion about the identity of the saint.  We do know that this St. Valentine was martyred on February 14, 269 and the feast day was instituted by Pope Gelasius I in 496.  But how did St. Valentine, a martyr, come to be associated with love and romance?  Again, there is much speculation and one popular story is that he cured the blind daughter of his jailer.  Before he was led off to his death, he wrote her a note and signed it “Your Valentine.”

Unlike St. Valentine, most of us are not called to martyrdom, but we do think about our loved ones…and we write love notes and greeting cards.  Gifts are commonly given to the ones we love.  But have you ever considered some special gifts for the ones you love?

That’s really what insurance is all about.  People buy insurance because they love someone.  I bought life insurance because I love my wife and children.  If I’m not here to provide for them I want to make sure they can stay in the same home we love; I want to make sure that my children and or grandchildren will have the college education they will need; I want my family to continue to live the lifestyle I’ve been so fortunate to be able to provide.  My policy even has living benefits that I can enjoy!

I want to make sure that if I am sick or hurt and can’t work, my family still has money coming in to pay the bills. Disability Income Insurance helps provide for that.

I’ve been able to provide a lifestyle for my family, but sometime down the road, I’ll take the assets I’ve accumulated and retire.  Long Term Care Insurance helps me protect those assets in case I have an extended care event. I won’t have to spend down all that I’ve saved to pay for care…I’ve shifted that risk to the Knights.

My retirement annuities will help my wife and I enjoy our golden years.  

 With a lifetime minimum interest rate guarantee I know I’ll always be in the black with my account.

All the products we have available are centered on protection; protection for me, for my family and for what I’ve been able save. Is your protection where you want it to be for your loved ones?

Because of being in the mindset for Valentine’s Day, let’s sit down; you, me and your wife and see where you stand. Make sure you have insured your love.  Go ahead and buy that greeting card, write her a love note…maybe even get a beautiful arrangement of flowers or a dozen roses. But remember, the gift of protection will be there when it’s needed most.

 

Vivat Jesus!

April 2020 Article

 

 

 

 

 

 

 

 

 

 

April is Autism Awareness month and I’d bet each one of us probably knows someone with autism; I know I do.  One individual I know is challenged both physically and mentally. The Autism Speaks website (www.autismspeaks.org) is a wealth of information.  Autism is not one disorder, it is actually called autism spectrum disorder or ASD because there is a broad range, a spectrum, from very mild to very severe characteristics.

Some with very mild characteristics can function in society quite well and hold responsible jobs. At the other end of the spectrum may be the person who is nonverbal, is challenged physically and may engage in nearly constant repetitive behaviors.  Those with these more severe issues may need lots of support from family, friends and social service agencies. The Autism Speaks website says “autism affects an estimated 1 in 59 children in the United States today.”

Nobody seems to know what causes autism and the manifestations vary so widely that there is no real cure.  Often the best that can be done is try to treat symptoms and help the individual cope with strengths and challenges faced.  Because some of the symptoms or indicators often appear at a young age, before age 3, doctors have found that early diagnosis and intervention is the best course of action.  With this early intervention, many individuals can be helped to improve the quality of their lives.

As we become more and more aware of the disorder you may know a member who is dealing with this himself or perhaps one of his family members has it.  Your support, empathy and concern are usually well-received. It’s an opportunity to show Christ’s love to a neighbor.  I encourage you to find out more on the website for Autism Speaks.

The Knights of Columbus have policies designed to help leave monies for children, grandchildren, or for the care of a loved one that has special needs to be used after your passing. Some of these polices can increase the input amount seven or eight fold immediately and make the entire benefit amount tax free. We also offer guaranteed issue policies for children as a part of your fraternal benefit package when you first joined your council.

I can’t end this message without wishing all of you a very Blessed Easter!  It’s celebrated in the Latin Church on April 12 this year.  What a wondrous  time in our liturgical year! While we celebrate Jesus’ victory over death and his glorious resurrection, we remember that the raising from the dead came after humiliating abuse and an agonizing death.  When I pray the rosary, I sometimes try to mediate on a particular decade by placing myself in the scene of that decade.  How would I, a follower of Jesus, have reacted to his crucifixion?  At the cross like John…or scared and hidden away with rest of the disciples? Would I have been brave enough? Then at the first Glorious Mystery, there at the tomb, stunned in awe of the mighty power of the Resurrection. What a mighty God we have!  May each of you and your families experience the joy of this Easter season!

Vivat Jesus!

June 2020 Article

What a month this has been! I pray that all of you are safe and well and that you remain so.  Let’s pray for those who have lost their lives, especially those heroes, those health care workers that made the ultimate sacrifice to help save others. 

A short essay has made its way around the internet over the past month.  It spoke to me and I would like to refer to it and the comparison of these last weeks.

The very first Easter was not in a crowded worship space with singing and praising. On the very first Easter the disciples were locked in their house. It was dangerous for them to come out. They were afraid…If they left their homes their lives and the lives of their loved ones might be at risk.

Alone in their homes they dared to believe that hope was possible, that God’s love was the most powerful…Eventually, they were able to leave their homes, when the fear and danger had subsided. They went around celebrating and spreading the good news that Jesus was risen and love was the most powerful force on the earth.

This year, we might get to experience a taste of what that first Easter was like, still in our homes daring to believe that hope is on the horizon. Then, after a while, when it is safe for all people, when it is the most loving choice, we will come out, gathering together, singing and shouting the good news that God brings life even out of death, that love always has the final say!

This year we might get the closest taste we have had yet to what that first Easter was like.

 

Although the author is unknown, it’s a sobering thought to remember that the disciples were worried, scared, hiding alone…”sheltering in place.” 

Perhaps being with our loved ones for this extended period of time has opened your eyes a bit.  I know it has opened mine. What’s really important in my life?  What are my priorities?  What are my opportunities to serve…to love?

As we pray for a return to our normal lives let’s pledge to not let the lessons of these past weeks be forgotten when we return to the hustle and bustle of “normalcy.”

 

Vivat Jesus!

July 2020 Field Agent Article

 

 

 

 

 

The world is slowly beginning its return to the way things were - at least as much as it can. It’ll likely be months before we know what normal looks like now.

You’ve probably heard the saying attributed to an unsavory (to say the least!) historical figure that “there are decades where nothing happens, and there are weeks where decades happens.”

It certainly feels that way now. We have crammed decades of changes into these last several weeks, and it’s hard to know what change is permanent, and what changes will prove temporary.

Not everything is fluid though. I am struck by the resilience of the permanent things - our faith, our fraternity, our families. I’m sure you’ve seen the tremendous ways in which the Knights of Columbus in particular has proven itself equal yet again to this current challenge. Whether it was the establishment of the Leave No Neighbor Behind Initiative, or the launch of the diocesan loan fund, or just the every-day, every-city response of councils across the globe, we have responded as we always do: swiftly, powerfully.

Sure we’ve had to cancel some things. We’ve had to have some virtual meetings. We’ve had to stay a safe distance apart. But our distance hasn’t diminished our unity, nor has it changed our impact.

I continue to be proud to be a part of this great organization - especially in moments like this. And I know you are too.

That’s why, for me, being financially committed to the Knights is such a point of pride. We all need life insurance. We all need to plan for retirement. We all need to think about and prepare for life’s what-ifs.

But when it comes time to decide who to make those preparations with, and who to choose to buy those products from, we can choose to spend our money with the company who establishes a multi-million dollar loan funds for Catholic dioceses in their most desperate time of need, or we can go another route. We can choose to buy our insurance from a company who leaves no neighbor behind, or a company who has no real concept of who their neighbor is. We can prepare for our retirement with a company whose members are - once again - setting an example of true Christian charity for all to follow, or we can go in a different direction.

I would challenge you, whether you’ve never inquired or its been a long time - to take a fresh look at the Knights of Columbus as a trusted financial partner, and see what products and services we may have that might help you and your family. As we all start to get back to things, I can meet with you in person or by video, whichever you prefer, and we can have stress-free, no-commitment conversation about the possibilities.

It’s a way to further your commitment to all that we stand for, and - at the same time - obtain some much needed peace of mind in times like these.

I hope we’ll chat soon.

August 2020 Field Agent Article, The Catholic Difference

 

 

 

 

 

 

 

 

 

 

 

The Catholic Difference.  What does that mean, “Discover the Catholic Difference?” Is it just a marketing slogan or is there real meaning behind it?

 

Let’s look at that at several levels.  Our Catholicity as an organization forms all that we do. Our Order was founded on the principles of Charity, Unity and Fraternity; as a Catholic business we also have core values of Integrity, Professionalism, Excellence and Respect.  In all our dealings we try to embody those values in the field and at our Supreme Office. 

Money from insurance premiums and annuity deposits is managed by our investment department colleagues, Knights of Columbus Asset Advisors.  They manage that money, now amounting to more than $24 Billion, using sound investment strategies in full compliance with the United States Conference of Catholic Bishops’ socially responsible investment guidelines.  We will not invest in companies that engage in abortions, producing abortifacient drugs, embryonic stem cell research, human cloning or pornography. Our Asset Advisors prove that a business can operate on these principles and still produce a healthy profit. That’s a Catholic Difference!

 

Our charitable contributions of more than $185 million last year went to a wide variety of organizations.  Many were Catholic, but some were not.  We give money to support worthy causes and we do that, not because they are Catholic, but because we are Catholic.  That’s what our faith calls us to do; Sirach 40:17 tells us that acts of kindness and charity last for an eternity.  We have placed more than 1000 ultrasound machines in all 50 states and saved more the 1 million lives. We financially and spiritually support seminarians, disaster victims, Special Olympians and many others.  All this from the profits of our insurance program and investments and the contributions of members.  That’s a Catholic Difference!

 

And speaking of the insurance program, let’s talk about the “Discover the Catholic Difference” there.  Here are a few examples:  First, our products are designed with our members’ needs in mind.  For example, I’m not aware of any other company that offers a Spousal Waiver of Premium benefit…and there is no additional premium for that! Second, we have never raised our Long-Term Care Insurance premiums, something very few, if any, insurance companies can say.  Third, we offer Disability Income Insurance to blue collar workers as well as white and grey collar workers. We recognize that it’s not just the affluent that need that coverage. Fourth, we still meet with brother knights and their families in their homes or virtually if they prefer; it might be more convenient for them.  Fifth, young children; we want to make sure a member has the opportunity to protect their insurability with life insurance that has guaranteed purchase options.  Sixth, our fixed-rate annuity has a minimum guarantee for life, meaning a member will always make money on his money.  Seventh, our Supreme Office is currently developing new products to meet even more needs of our members…so stay tuned!  Now that’s the Catholic Difference!

 

If you’d like to find out about more Catholic differences that could make a difference in your life, let me know.  I am available by phone, email or text.

 

Vivat Jesus!

October 2020 Newsletter Article

Soon you’ll be receiving your 2020 Fraternal Survey.   Separate and distinct from the council fraternal survey, this survey is designed to help members update the Supreme Council on their           information and circumstances, so that the Supreme Council can - in turn - advise them of the member benefits available to them that they may not be taking advantage of. 

 

And just what are those benefits?

 

Of course, you, your spouses and your dependent children have the exclusive opportunity to protect your financial future through the Knights of Columbus. The Knights of Columbus can insure your life, protect your family, safeguard your paycheck, help provide for your long-term care, and help you retire happily and comfortably. You know that part well. 

 

But that’s not all. The Knights of Columbus also provides a complimentary financial benefits to members, like our accidental death coverage. 

 

One of the benefits of membership that I think is most important and most   underrated is the simple benefit of having a relationship with a brother Knight Field agent.

 

Unlike my commercial counterparts, I share a common bond with you. We’re brothers!  And, as such, my primary focus is not to make a sale or close a deal, it’s to help you determine what protection you and your family may need. My job is to help you identify solutions that work best for you, period. 

 

So as a Knight, you can meet with me as often as you’d like. I can use some of our cutting edge software and tools as well as my own experience, to start exploring your financial situation, or your retirement, and present potential solutions for you and your family to consider. I can help you customize a plan for protection that is specific to your circumstances and your budget. 

 

But I can’t help you with what I don’t know. 

 

So as things get somewhat back to normal, and we all start to ramp up again in the fall, I encourage you to keep an eye on your mailbox for the Fraternal Survey, fill it out, let me know what’s new, and I’ll be in touch to schedule a follow up conversation - virtual or otherwise - so we can talk about potential next steps. 

 

I look forward to connecting soon.

 

Vivat Jesus!

 

Michael

Winner of the Shelby Raffle