Fall 2019

MEDICARE SUPPLEMENT INSURANCESCHOLARSHIPSBRANCHES IN ACTION IN THE KITCHEN

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Dear Member:

Happy fall! After the brutally hot summer, the idea of fall seems refreshing to me. Maybe it’s the start of a new school year or the beginning of football season. No matter the reason, I’ve always associated fall with fresh new beginnings.

At Catholic Life, we anticipate a busy fall. Here are some important topics that you, as a member, may need to know.

Financial Rating Affirmed

For the 36th consecutive year, A.M. Best, a respected insurance industry analyst, has affirmed our A-/Excellent rating. The rating confirms that we are safe, strong, and secure. Please see page 4 for more details.

Medicare Open Enrollment

If you are eligible for Medicare Supplement Insurance and wish to change your coverage or provider, the open enrollment season kicks off October 15. We invite you to turn to page 7 to learn more about the direct-to-consumer plan that we offer.

Seminarian Scholarship Program

We recently awarded scholarships to young men studying for the priesthood. Since 1987, we’ve provided financial support to 137 men who are studying at 18 seminaries worldwide. Please see page 11 for this year’s recipients.

All American Scholarships

One of the many benefits of membership is our All American Scholar Program. In 2020, we’ll award a $1,000 scholarship to 35 members who will be graduating from high school. Please see pages 16–18 for the rules on how to apply.

In closing, we thank you for the opportunity to serve you and your family. We hope that you will continue to rely on the products and services that we offer to help you protect your family and to meet your financial goals.

Sincerely,

J. Michael BelzPresident/CEO

BOARD OF DIRECTORS

Tommy Hoelscher, FIC Chair, St. Lawrence, Texas

Felix Skarpa, FIC Vice Chair, Dayton, Texas

Sandy King Secretary, Llano, Texas

Robert (Lester) Moczygemba, Sr. Floresville, Texas

Charles L. “Chuck” Hughes, Jr. Bulverde, Texas

Michael Stolowski St. Hedwig, Texas

Jo Ann Shimek, FIC El Campo, Texas

Cindy Olson Pilot Point, Texas

J. Michael Belz, LLIF President/Chief Executive Officer

SPIRITUAL ADVISOR

Most Reverend Michael J. Boulette San Antonio, Texas

HONORARY SPIRITUAL ADVISORS

Most Reverend Gustavo García-Siller San Antonio, Texas

Most Reverend José H. Gomez Los Angeles, California

Rev. Msgr. Larry J. Droll Midland, Texas

EXECUTIVE OFFICERS

J. Michael Belz, LLIF President/Chief Executive Officer

Colleen Z. Berger, CPA, CGMA Senior Vice President/Chief Financial Officer

Scott Brant, FLMI, ACS, AAPA, AIAA Senior Vice President/Information Technology

Barbara A. Cheaney, CSA, FIC Senior Vice President/Marketing-Communications

Frank Gentile, FLMI, ACS, MBA Senior Vice President/Chief Underwriter

Patricia G. Gutierrez Senior Vice President/Operations/

Corporate Secretary

John Luksa, CFS Senior Vice President/Director of Sales

Dawn Fanfelle, FLMI, ACS, AIAA, PHR, FIC Vice President/Human Resources & Training

Michael “Chip” Nance, CFA, MBA Vice President/Treasurer

OFFICERS

Joy Burditt Asst Vice President/Operations

Wendy Estess, FLMI Asst Vice President/Accounting Manager

Ramiro Flores, RPA Asst Vice President/Property Manager

Mildred Foerster Asst Vice President/Operations

Janet Friesenhahn, FIC, CSA, LUTCF Asst Vice President/ Director of Agencies

Patrick Massey FLMI, ACS, ARA Asst Vice President/Programming Manager

Tricia Michalek, FLMI, ACS, ARA Asst Vice President/Quality Assurance

Johnny Salazar Asst Vice President/Systems Administrator

Susan M. Skrzycki Asst Vice President/Operations

Shanna Smith, ACS, ALMI Asst Vice President/Executive Assistant

Peggy von Kaufman, CISP Asst Vice President/Operations

Kristy Winkler Asst Vice President/Accounting Manager

MESSAGE FROM THE PRESIDENT

President/CEO – J. Michael Belz

Catholic Life Insurance | 3

Corporate Headquarters: 1635 N.E. Loop 410, San Antonio, Texas 78209 • Mailing Address: P.O. Box 659527, San Antonio, Texas 78265-9527 Phone: (210) 828-9921 • Fax: (210) 828-4629 • Toll Free Number: 1-800-262-CLIUThe Catholic Life Magazine (USPS 094-120) is published quarterly by Catholic Life Insurance, P.O. Box 659527, San Antonio, Texas 78265-9527. Periodical Postage Paid at San Antonio, Texas and additional mailing offices. POSTMASTER: Send all address changes to Catholic Life magazine, P.O. Box 659527, San Antonio, Texas 78265-9527. Editor: Barbara A. Cheaney • Staff Assistants: Megan Real, Amberley Moczygemba, Danna Morgan • Designed and Produced by: Lynn Design

FEATURES

ON THE COVER

IN THE NEWS 4

FAITH IN ACTION 14

BRANCHES IN ACTION 22

IN THE KITCHEN 27

RATING AGENCY AFFIRMS RATING 4For the 36th consecutive year, Catholic Life has received an A-/Excellent rating. Learn what this rating means.

MEDICARE SUPPLEMENT INSURANCE 7 Open seasons starts October 15. Learn more about Catholic Life's direct-to-consumer Medicare Supplement Insurance.

SEMINARIAN SCHOLARSHIP WINNERS NAMED 11Supporting our faith-based community is a core value of Catholic Life Insurance. Meet the most recent recipients of the Msgr. Henkes and the Msgr. Stuebben Fund Seminarian Scholarships and tomorrow’s future priests.

ALL AMERICAN SCHOLAR 16Catholic Life is offering scholarships worth $1,000 to 35 graduating seniors who plan to attend college next fall. Learn more about scholarship requirements.

Our Branches are making a difference in their communities one Branch at a time. Learn more about these projects in our Branches in Action section.

DEPARTMENTS

FALL 2019

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A.M. Best Company, an independent insurance industry rating agency, has reaffirmed Catholic Life Insurance’s financial strength. Effective July 10, 2019, A.M. Best rated Catholic Life Insurance’s financial stability, security, and management performance as A-(Excellent) with a stable outlook. This is the 36th consecutive year that Catholic Life has earned the “Excellent” rating.

The rating is based on a comprehensive quantitative evaluation of the organization's balance sheet strength, operating performance and business profile. Insurers in the excellent category are considered to have an excellent ability to meet their ongoing obligations. Moreover, a stable outlook indicates a low likelihood of a rating change due to stable financial/market trends.

In their financial strength rating rationale, A.M. Best stated, “The stable outlook reflects a very strong balance sheet.” In reference to capitalization, Best analysts’ wrote, “The Society maintains a very strong level of risk-adjusted capitalization for its insurance, investment and business risks.” They continued, “Catholic Life Insurance maintains sufficient liquidity as its liquidity ratios are in-line with industry averages as of year-end 2018. CLI continues to grow a surplus each year.”

RATING SERVICE AFFIRMS EXCELLENT STATUS

CONTACT USPhone: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (210) 828-9921

Toll free: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (800) 262-2548

Fax: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (210) 828-4629

Website: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www .cliu .com

General Email: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . info@cliu .com

Office Hours: . . . . . . . . . . . . . 8 a .m .–5 p .m . Monday–Thursday; 8 a .m .–3 p .m . Friday

The Member Appreciation event at the Houston Astros was a big hit! Members came from near and far to enjoy the game.

Take Me Out to the Ballgame

Catholic Life Magazine | 5

General Agent Darrell Labus and Director Lester Moczygemba present Theresa Lyssy with a Golden Certificate Award. Mrs. Lyssy has been a Catholic Life member for 71 years. In 1948, at the age of 24, Lyssy bought her policy from local Catholic Life Agents Claude Marty and John Korzekwa. Thank you, Mrs. Lyssy, for putting your financial trust us!

Anastasia Herb displays her Golden Certificate award that General Agent David Walker (not pictured) presented to her earlier this year.

In April 1946, Mrs. Herb bought a policy from a local Catholic Life agent in Muenster, Texas. Mrs. Herb was a member for 73 years.

Thank you for your constant loyalty!

Golden Certificates

Want to get involved? Plan a project to benefit your neighborhood, community or church. Call your local Catholic Life Insurance branch to volunteer. Don’t know how to reach them?

Call the Communications Department at 1-800-262-2548.

Make a difference in someone’s life this year!

Mark your calendars for Make a Difference Day, our nation’s largest day of service.

Millions of people rally together in volunteer activities across the U.S. for a single day.

Make A Difference Day 2019: October 26th

Agent Royce Shimek presents long-time Catholic Life member Lillian Besetzny, of Schulenburg, with a Golden Certificate award. Mrs. Besetzny has been a member for 71 years. In 1948, Besetzny was 23-years-old and a farmworker. Thank you, Mrs. Besetzny, for having faith in us in 1948 and throughout the years.

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For the 13th year, Catholic Life Insurance is doing what it can to help Catholic Schools raise needed funds. This year, we’re supporting 58 schools from nine dioceses through the Catholic School Sweepstakes. Our goal is to raise more than $1 million.

“This is our way of giving back to our faith-based community,” said President Belz. “100% of the $9 million that has been raised thus far through the program has gone directly and immediately to the schools.”

Students are selling $5 raffle tickets that will be entered into a drawing that will take place at the Home Office on February 14, 2020. The grand prize winner will have the choice of a 2020 Truck, a 2020 Sedan or a pre-paid $20,000 VISA card. Additionally, every participating school will have a $1,000 Prepaid VISA Card winner. Catholic Life prints the raffle tickets and all marketing materials as well as underwrites all prizes.

To support Catholic education, please buy a ticket from one of the participating schools.

Diocese of AmarilloHoly Cross Catholic Academy – AmarilloSt. Anthony Catholic School – Hereford St. Joseph Catholic Elementary & Montessori Preschool – Amarillo

Diocese of BeaumontSt. Catherine of Siena Catholic School – Port Arthur

Diocese of Corpus ChristiOur Lady of Perpetual Help Academy – Corpus ChristiSt. Anthony Catholic School – Robstown

Diocese of DallasGood Shepherd Catholic School – GarlandImmaculate Conception Catholic School – Grand Prairie Mary Immaculate Catholic School – Farmers BranchMount St. Michael Catholic School – DallasSt. Elizabeth of Hungary Catholic School – DallasSt. Joseph Catholic School – Waxahachie

Diocese of Fort WorthSacred Heart Catholic School – MuensterSt. Mary’s Catholic School – Gainesville

Archdiocese of Galveston-HoustonHoly Rosary Catholic School – RosenbergSt. Helen Catholic School – HoustonSt. Jerome Catholic School – Houston

Diocese of LaredoOur Lady of Refuge Catholic School – Eagle Pass

Archdiocese of San AntonioBlessed Sacrament Catholic School – San AntonioHoly Cross of San Antonio – San AntonioHoly Name Catholic School – San Antonio Incarnate Word High School – San AntonioLittle Flower Catholic School – San AntonioNotre Dame Catholic School – KerrvilleOur Lady of Grace Catholic School – PleasantonOur Lady of Perpetual Help Catholic School – Selma

Our Lady of the Hills Regional Catholic High School – KerrvilleProvidence Catholic School – San AntonioSacred Heart Catholic School – FloresvilleSacred Heart Catholic School – UvaldeSt. Anthony Catholic High School – San AntonioSt. Gerard High & Regional MS – San AntonioSt. Gregory the Great Catholic School – San AntonioSt. James Catholic School – SeguinSt. John Berchmans Catholic School – San AntonioSt. John Bosco Catholic School – San AntonioSt. John Paul II Catholic High School – New Braunfels St. Jose Sanchez Catholic School – San AntonioSt. Louis Catholic School – CastrovilleSt. Luke Catholic School – San AntonioSt. Mary Magdalen Catholic School – San AntonioSt. Mary’s Catholic School – FredericksburgSt. Monica Catholic School – ConverseSt. Paul Catholic School – San AntonioSt. Peter Prince of the Apostles Catholic School – San AntonioSt. Pius X Catholic School – San AntonioSt. Thomas More Catholic School – San Antonio The Atonement Academy – San Antonio

Diocese of VictoriaHoly Cross Catholic School – Bay City Nazareth Academy Catholic School – VictoriaOur Lady of the Gulf Catholic School – Port LavacaOur Lady of Victory Catholic School – VictoriaSacred Heart Catholic School – HallettsvilleShiner Catholic School – ShinerSt. Anthony Catholic School – ColumbusSt. Joseph Catholic School – YoakumSt. Michael Catholic School – WeimarSt. Rose of Lima Catholic School – Schulenburg

PARTICIPATING CATHOLIC SCHOOLS INCLUDE:

CATHOLIC SCHOOLS SWEEPSTAKES PROGRAM BEGINS WITH NEW SCHOOL YEAR

Catholic Life Magazine | 7

Save on Medicare Supplement Insurance BUY DIRECT/NO AGENT

Now you can apply for Medicare Supplement Insurance online at any time – NO WAITING.

Compare rates instantly online NOW at catholicmedicaresupp.com or call 1-844-633-6565. This product is available online or by telephone only!

▪ Shop & apply online▪ Multiple plans to meet your budget

▪ Use your same doctors*▪ You could have coverage in minutes

▪ All plans GUARANTEED RENEWABLE**If you think you are paying too much for your Medicare Supplement Insurance, we dare you to

compare. Go to catholicmedicaresupp.com or call 1-844-633-6565.

Catholic Life Insurance is neither connected with or endorsed by the US government or the federal Medicare program.

MSFLYER 05/18 TX

This is a solicitation for insurance and you may be contacted by the company. Products, rates, and services may not be available in all states.*You may use your same doctors as long as they accept Medicare. **Your certificate cannot be canceled. It will be renewed as long as the premiums are paid on time and the information on your application does not contain a material misrepresentation.

This advertisement applies to form series MSDTC 4-18 (or state-specific variation thereof).

How Much Will You Save

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Open enrollment seasons for Medicare Supplement Insurance is just around the corner. Beginning October 15 through December 7, the Medicare Open Enrollment Period (OEP) is the time each year when you can review your coverage and make changes to your plans.In 2018, Catholic Life was the first to offer a completely direct-to-consumer Medicare Supplement Insurance product. We recently sat down with President Belz to talk about this new member benefit.

Q: Tell us about Medicare Supplement insurance from Catholic Life

A: We are excited about offering Medicare Supplement insurance. Like the overall U.S. population, our members are aging. They want and need Medicare Supplement insurance.

Our goals in offering this product are:

▪ To provide a product that benefits our members by helping them save money

▪ To build awareness about Catholic Life Insurance

▪ To generate leads for our Agents

That’s why we partnered with a large insurance carrier to develop this product. We wanted to offer the best coverage at an affordable rate.

Medicare Supplement insurance, also called a Medigap plan, helps pay some of the health care costs that Medicare doesn't cover, like:

▪ Copayments

▪ Coinsurance

▪ Deductibles

And like Medicare, eligibility for Medicare Supplement insurance begins at age 65. Because the US government highly regulates Original Medicare, the primary difference in Medigap plans between carriers is price and service. Prices may vary depending on your geographic location or your health.

Q: What does direct-to-consumer mean?

A: Direct-to-consumer means that our members can go online 24/7 to catholicmedicaresupp.com or call 1-844-633-6565 to purchase coverage. In most cases, you find out within minutes if you qualified. Direct-to-consumer also means that this product is not available from your Catholic Life Agent. It is only available online or on the telephone.

Q: Why can’t I buy this product from my Catholic Life Agent?

A: Our Agents are experts in life insurance and retirement annuities. Those products can be complicated with many different types and options. You need someone helping you put together the right plan for your family to achieve your financial goals.

Meanwhile, Medicare Supplement insurance is the same for every carrier. The only difference is the service your carrier provides and the price you pay.

Q: What if I have a question when I am purchasing coverage?

A: Because we partnered with another insurer to offer this product, we are taking advantage of their experienced call centers. By calling 1-844-633-6565 or using the online chat feature, you can speak with individuals who specialize in Medigap plans. Members who have reached out to the call center have found them to be very helpful. Many have reported significant savings from their current plan.

Q: What if I have a question about a claim?

A: Catholic Life is committed to providing members with first-class service. If you have a question after you have purchased a Medigap plan from Catholic Life, simply call 1-877-888-0796. Again, highly trained individuals who understand Medicare Supplement insurance will answer your call.

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Catholic Life Magazine | 9

If you cannot remember the number to call, you can always access sales or service through the Catholic Life Insurance home office telephone system. By choosing Option 8 on the menu, you are connected directly to new Medicare supplement sales; Option 9 connects you to the service number.

Q: Will I be able to keep my doctor?

A: Yes, as long as your physician or provider accepts Medicare, your Medicare Supplement insurance will also be accepted.

Q: When is the best time to enroll in a Medigap plan?

A: The best time to enroll in a Medicare Supplement plan is generally during your Medicare Supplement Open Enrollment Period. For most people, this period starts the month that you turn 65 and have Medicare Part B, and goes for six months. During this time, you are guaranteed to get coverage, regardless of any health issues you may have.

Q: Should I switch from my current Medicare Supplement insurance plan to Catholic Life?

A: It depends. Sometimes, as your health and financial needs change, you may realize that your current Medigap coverage is no longer a good fit for you. There can be good reasons to consider changing Medicare Supplement insurance plans:

▪ You’re dissatisfied with your Medigap insurance company.

▪ Your plan premiums have gotten too expensive.

▪ You want a plan with less coverage because you’re paying for benefits you’re not using or don’t need.

▪ You need more coverage now than when you first enrolled in your plan.

However, you should proceed cautiously. If you switch outside of the open enrollment period, you will have to undergo medical underwriting to determine your eligibility. If your health is poor, you may not qualify for coverage. We recommend that you keep your current coverage until you receive approval from Catholic Life.

Q: Why should I purchase a Medigap plan from Catholic Life?

A: Why not? As a member-owned and operated organization, we’re committed to providing the best products and services to help our members meet their financial goals.

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As a Catholic Life member, you and your family members age 50+ can receive 4 vital preventive health screenings to look inside your arteries for dangerous plaque buildup and risk for other chronic diseases before you have symptoms:

• Carotid Artery Ultrasound (Plaque)• Atrial Fibrillation• Abdominal Aortic Aneurysm• Peripheral Arterial Disease

There’s a simple, convenient way for you to get preventive health screenings, and

take charge of your health.

Painless, non-invasive, keep your clothes on.

Getting Screened is Simple!

Call toll free today at 1-800-690-7445 or visit lifelinescreening.com/cli

R

All 4 Screenings

$129

Catholic Life welcomes our Associates Members! These individuals have Group Life Insurance or Medicare Supplement Insurance with us.As Associate Members, you are part of an organization that values faith, family, and financial well-being. Additionally, you are eligible for these value-added membership benefits:

◆ Catholic Life magazine ◆ Perkspot Benefit◆ American Hearing Benefit ◆ Life Line Screening Benefit

You can become a full Benefit Member by purchasing a life insurance or annuity certificate.

Our Benefit members are assigned a Branch based on where you live as soon as your certificate is approved. Through the Branch, you may take advantage of social and volunteer activities that benefit your community. You may also elect delegates to the biennial convention. These delegates vote on matters relevant to the organization giving you a say on how the company is run.

Benefit Members can take advantage of these value-added benefits:

◆ Catholic Life magazine ◆ Ultimate Living Benefit◆ American Hearing Benefit ◆ Branch System◆ Perkspot Benefit ◆ Convention◆ Life Line Screening Benefit ◆ Church & School Loans◆ Accidental Death ◆ Disaster Relief◆ Annuity Convalescent Care ◆ Golden Certificate Award◆ Bishop’s Seminarian Endowment ◆ All American Scholarship◆ Guaranteed Newborn Benefit ◆ Seminarian & Vocational Scholarships◆ Orphan Benefit ◆ ScriptSave

For more information about these benefits, contact the Communications Department or go to www.cliu.com

WELCOME, ASSOCIATE MEMBERS!

Catholic Life Magazine | 11

Joseph Baltz

Raymond Pendleton

Angel Aguilar

Ian Robbins

2019 SEMINARIAN SCHOLARSHIPS AWARDEDFour first-time and ten repeat scholarships were awarded for the 2019-2020 academic year through the Msgr. Henkes and Msgr. Stuebben Seminarian Scholarship Funds. Both non-profit funds are designed to help pay for seminary tuition and expenses. Since 1987, more than $420,000 in scholarships funds have been awarded.

Joseph Baltz of St. Benedict, Oregon and Raymond Pendleton of Vatican City State, Europe were awarded a first-time $2,000 scholarship through the Rev. Msgr. Albert George Henkes Seminarian Scholarship Fund.

Baltz is a Theology III seminarian with Mount Angel Seminary in St. Benedict, Oregon. He plans to serve the Diocese of Santa Fe. Pendleton is currently a Theology I seminarian at the Pontifical North American College in Europe. He is studying to serve the Diocese of Corpus Christi.

Repeat scholarships were also awarded to past winners Samuel Bass, and Christopher Smith, whom are studying at the Pontifical North American College, Dalton Ervin studying at the Pontifical College Josephinum, and Fernando Ricaud-Cavazos studying at St. Mary’s Seminary in Houston.

This scholarship honors the late Msgr. Henkes who served as Catholic Life’s Spiritual Advisor for 27 years. The scholarship is open to any resident of Texas, Arizona, Florida, Louisiana, Oklahoma, New Mexico and Mississippi who is enrolled in a Roman Catholic Seminary. Scholarships totaling approximately $218,000 have been awarded through this non-profit fund since its establishment in 1987.

Angel Aguilar and Ian Robbins were selected as first-time recipients of the Rev. Msgr. Lawrence J. Stuebben Seminarian Scholarship. Aguilar is currently a Theology III seminarian studying to serve the Archdiocese of San Antonio, Robbins is also a Theology III seminarian studying to serve the Diocese of San Antonio.

Repeat scholarships were awarded to David Chacko, Michael Ezeoke, Michael Coronado, Pedro Martinez, Joseph Moreno, and Jorge Verduzco. All of Msgr. Stuebben Fund recipients attend Assumption Seminary in San Antonio, Texas.

This scholarship fund was established in 1994 in honor of Catholic Life’s former Spiritual Advisor, Msgr. Lawrence J. Stuebben. Established to help future priests in their journey towards ordination, this non-profit fund has awarded scholarships totaling $202,000 since its founding.

This scholarship is open to students studying at Assumption Seminary in San Antonio, Texas.

In early August, Central Texas residents watched in horror as the Church of the Visitation in Westphalia, Texas was destroyed by fire. This historic church was the spiritual home for the 350 members of our Westphalia Branch.

You can help rebuild the Church by donating to a fund established by the Diocese of Austin. Donations will be used

for the immediate needs of the parish, as well as on-going expenses that the parish will encounter as it rebuilds.

Send your donation to the diocese at Church of the Visitation Fund, Diocese of Austin, 6225 E US 290 HWY SVRD EB, Austin, TX 78723. Please make checks payable to the Diocese of Austin with “Church of the Visitation” in the memo line.

Help Rebuild the Church of the Visitation

Mark your calendars. The 97th Catholic Life Insurance convention is just around the corner. The two-day event will take place July 24-25, 2020, in San Marcos, Texas.

Members gather every two years to elect board members, vote on changes to Catholic Life’s Bylaws and celebrate another successful year. Branches, depending on their size, may send up to four delegates to the biennial convention.

ANNOUNCING THE 97TH CATHOLIC LIFE CONVENTION

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John Luksa, CFS Senior Vice President/Director of Sales

New Products Enhance Wealth Transfer Options

We are proud to announce two new cutting edge products that will change the way you and your family

look at passing monies onto your heirs’ income-tax free. The Single Premium Whole Life (SPWL) and the

Single Premium Whole Life Plus (SPWL Plus) both offer you remarkable benefits.

Our New Single Premium Whole Life provides:

Early Cash Value – Starts earning interest after the first year

Greater Death Benefits – Can pass more tax-free income to beneficiaries

Competitive Cash Accumulation – Can outperform many fixed annuities and CDs in the

current marketplace.

Our New Single Premium Whole Life Plus provides:

Increased Maximum Death Benefit – Now available for up to $370,000

Accelerated Death Benefit Rider – Access up to 90% of your death benefit for chronic illness

Greater Death Benefit – Death benefit is 11/2 to 2 times your initial premium deposit in

many scenarios

Consider these two case studies .

CASE STUDY #1

Mr. and Mrs. Jones just reached age 65 and have prepared well for their retirement. They currently have

a steady stream of income with an adequate emergency reserve. Additionally, they have $200,000 in a

Certificate of Deposit (CD) at a bank. They do not plan to use the money for retirement but want to pass it

on to their children when they die. They’ve asked their Agent to show them options for passing this asset

to their heirs in the most efficient way.

Their agent illustrates a $200,000 Single Premium Annuity and two $100,000 Single Premium Whole Life

certificates with the following results:

PREMIUM $200,000 $100,000 SPWL $100,000 SPWL SPWL AT AGE 65 ANNUITY FEMALE MALE TOTAL

Age 66

Surrender Value $188,916 $99,750 $99,750 $199,500

Death Benefit $207,600 $218,952 $200,354 $419,306

Age 75

Surrender Value $251,404 $131,157 $128,667 $259,824

Death Benefit $251,404 $218,952 $200,354 $419,306

Age 85

Surrender Value $310,997 $167,820 $160,249 $328,069

Death Benefit $310,997 $218,952 $200,354 $419,306

Income-Tax Free Inheritance/Live Insurance vs . Annuity

+ =

The above single premium reflects standard non-tobacco rates and may not be available to all who apply. Values are subject to change based on prevailing interest rates. Please see the contract for details. 8/19 SPWL

Catholic Life Magazine | 13

3 Benefits in One Plan

Life Insurance ■ Asset Growth ■ Nursing Home or Home Health Care Benefits

Single Premium Whole Life PLUS

Contact your local Agent or the Home Office at 1-800-262-2548.

Their agent outlined the following benefits: If they choose the annuity option, they will no longer need to pay taxes annually, since annuities are only taxed when the funds are

withdrawn. Additionally, annuities typically avoid probate. This means that their children will have faster access to the funds.

On the other hand, both single premium whole life certificates could double the amount of the inheritance. More importantly, since life

insurance passes to beneficiaries income-tax-free, they are converting a taxable asset to a tax-free income inheritance.

CASE STUDY #2

Connie Jones, a widow, is 65 years old. When her husband was alive, he prepared well for retirement. The 401k and annuities that they

contributed to during their working years has left her with a stream of income for retirement. Connie has a $100,000 CD at her local bank,

which she has earmarked for her grandchildren. While she is currently in excellent health, Connie worries about the future. She wants to

put her money to work for her, and at the same time, she would like to have access to these monies for her long-term care.

If Connie were to consider a Single Premuim Whole Life Plus (SPWL Plus) for $100,000, she would have a death benefit of $199,047.

Additionally, she would be able to access up to 90% ($179,142) from her certificate if she needed it for home health or nursing care. Also,

her “break-even” will be in approximately five years with a cash value of $102,782 at age 70, $119,233 at age 75 and $152,564 at age 85.

Summary

Our new SPWL certificate brings early cash value growth, higher death benefits to pass on to your heirs' income tax-free, and an opportunity to outperform many fixed annuities in the current marketplace.

Our new SPWL Plus offers a maximum death benefit of $370,000, access up to 90% of your death benefit if you can not perform 2 of the 6 activities of daily living, an income-tax-free death benefit of 11/2 to 2 times your initial deposit in many situations.

Call your Agent or the Home Office to learn more about how these programs can work for your family.

During this season of Ordinary Time we focus on our individual vocational call as

Christians. Today’s reflection on the Apostles Creed considers “vocation” in the light

of the first creedal statement: “I believe in God the Father.”

The significance here is God’s unique name: the Father. A father is essentially

relational – surely an authority, but an authority both intimate and concerned. Jesus

would most clearly reveal God as Father, but already in the book of Exodus, God’s

fatherly character is evident: when the Israelites cried out because of their oppression

in Egypt, God heard, calling Moses as His chosen prophet to help set them free

(Exodus 3). Moses’ vocation of liberation, like Jesus’, would flow from his connection

with the Father-God.

This connection was not immediately apparent to eighty-year-old Moses when he

looked up from tending his sheep to see a burning bush that wasn’t consumed. That

is how everyday life can unexpectedly invite us to discover God’s presence. When

Moses peered into this mystery, God spoke, and in the remarkable conversation

that followed, a strikingly human custom took place: the exchange of names. God

called out Moses’ name, and Moses asked the Name of the One who was speaking

to him (God replying: “I AM” – the altogether free One). This ordinary man and this

free, intrinsically relational God were connected in a profoundly unbalanced “first-

name relationship” – it was, after all, God’s inscrutably mysterious Presence that

transformed the place into “holy ground.”

But in that divine-human conversation God called Moses to enter the mystery – to

lead His people out of Egypt. As always, God invites us both to faith and to a willing

response. Moses did not quickly leap into this dangerously privileged vocation.

Resistance abounded: Is it really God calling? Do I trust Him enough to follow where

He leads? “Here am I – send Aaron!”

Thus it is with all genuine vocations, for we must know God’s intimate concern before

we throw in our lot with Him. When we confess: “I believe in God the Father,” our

faith statement carries an invitation to vocation, and we ask: Is this really God or just

an illusion? Am I willing to pay the cost of saying Yes to Him? With the authority and

expectation of a good Father, God awaits our answer.

Most Reverend Mike Boulette

Catholic Life Insurance Spiritual Advisor

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1. Eugene Smart, CLU, MBA, FICSmart & Associates

Houston, Texas

1. Rosendo “Ray” Perez, LUTCF Corpus Christi, Texas

10. Charley Matherne, Jr., FSS, LUTCF DeQuincy, Louisiana

LEADING LIFE INSURANCE PRODUCERS

2. Clarence Moczygemba, FIC Karnes City, Texas

7. Edwin Dziuk, FIC Karnes City, Texas

5. Ron Petersen, FIC Houston, Texas

4. Kenneth Fey, FIC Stockdale, Texas

3. Patricia Wiley, FIC LLano, Texas

6. Charlene Mainz, FICF, CLU San Antonio, Texas

LEADING ANNUITY PRODUCERS

7. Wilbert Jost, FIC Wall, Texas

4. John McCloskey Corpus Christi, Texas

5. Ricky Schroeder Windthorst, Texas

Leading ProducersAS OF JUNE 30, 2019

LEADING GENERAL AGENCY

2. Jimmy Tirres, CLU, LUTCF, FICSan Antonio General Agency

San Antonio, Texas

6. Christopher Loveless EL Paso, Texas

8. Charlotte Grobe Fredericksburg, Texas

9. Ricky Pennycuff, FICF Graham, Texas

9. Louis Dziuk, FIC Falls City, Texas

8. Glenn Snoga Seguin, Texas

10. Francis Lutz, FIC Castroville, Texas

1. Charley Matherne, Jr., FSS, LUTCF DeQuincy, Louisiana

2. Ricky Pennycuff, FICF Graham, Texas

3. Mike Scardino, FIC Weimar, Texas

Catholic Life Magazine | 15

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35 College Scholarships Now Available from Catholic Life!

GOALTo award 35 non-renewable college or trade school scholarships worth $1,000 each to graduating seniors who are Catholic Life Insurance members.

ELIGIBILITYStudents must plan to enroll full-time in a public or private college/university or trade school for the Fall 2020 semester. The $1,000 scholarships will be awarded to deserving students to help offset the cost of post-secondary education.

CRITERIA All applicants:

▷ Must be a Catholic Life Insurance member in good standing at time of application. Members insured under the Family Plan do not qualify.

▷ Must maintain membership during the scholarship period.

▷ Must be a graduating high school senior attending a university, college or accredited trade school in the fall.

▷ Must have at least a 3.0 grade point average on a scale of 4.0.

▷ Must display leadership skills.

▷ Must be an active volunteer.

▷ Must complete the application, submit an essay, submit one letter of recommendation and provide a photo suitable for publication.

▷ Executive Officers’ and Directors’ children are not eligible.

PRESENTATION▷ Payment will be made directly to the school and not the student.

▷ Funds must be used by Dec. 31, 2020.

▷ News releases will be sent to local newspapers.

▷ Winners will be announced in Catholic Life Magazine.

For more information, contact the Communications Department at (210) 828-9921 ext 256 or by email at branch@cliu.com

“Like” us on Facebook to receive instant updates on the

All American Scholarship.

Catholic Life Magazine | 17

All American Scholar Award Application

GENERAL INFORMATION

Name Last 4 SS # DOB Mother’s Name Father’s Name

Mailing Address

City State Zip

Daytime Phone Email*

Local Newspaper(s)

COLLEGE/UNIVERSITY/TRADE SCHOOL INFORMATION

Intended School for Fall Semester

Mailing Address

City State Zip

HIGH SCHOOL INFORMATION

School Name

Street Address

City State Zip

Graduation Date Class Rank

Class Size Cumulative GPA (4.0 scale)

SIGNATURESI hereby apply for a Catholic Life All American Scholar Award and acknowledge that I am a member in good standing. I attest that all of the information above is true and complete to the best of my knowledge.

Student’s Signature Email Date

Parent’s Signature Email DateAnnuities • IRAs • 401(k) Rollovers(See next page for additional information.)

*This is our primary form of communication with applicants. Please provide an email address that you check frequently, as you will receive important notification from us regarding your application status via email. We do not share this information with any other company, and we do not send spam.

(If you are applying for more than one school, please indicate your top choice above.)

Please type or print all information. Must be received by March 2, 2020.

Student must be a Catholic Life Insurance Member.

Certificate #:

COMMUNITY SERVICE

On a separate sheet of paper (typed and double spaced), list volunteer hours for service activities. Include name of organization, activity or

event, dates of participation, and total hours worked. This information must be verifiable.

EXTRACURRICULAR/OUTSIDE ACTIVITIES/EMPLOYMENT

On a separate sheet of paper (typed and double spaced), list organizations/activities in which you participated during your high school

years. Examples could include student government, school newspaper, athletics or band. Include leadership positions. Also list all

employers, job/type of work and average number of hours worked per week. This information must be verifiable.

ADDITIONAL REQUIREMENTS

1. You will need one letter of recommendation. Ask your recommender to give the letter to you in a sealed envelope with his or her

signature written across the seal. You are responsible for submitting the sealed recommendation with your application. Please ask that

a daytime phone number be included in or with the letter.

2. Submit a 250-word or less essay (typed and double spaced) describing the volunteer experience you found to be the most meaningful.

Explain why you chose this particular experience for your topic. What did you learn about yourself and about others? How has this

experience changed you, changed how you interact with others, or changed your community? Print your name at the top of each page.

3. Include an official high school transcript.

4. Include a professional looking head shot photo (Senior photos are ideal). Photos printed on copy paper and/or from your home

printer are not acceptable. Digital files such as jpeg, tif, or png, are acceptable, and must be at least 2x2 inches and 300 dpi. All

materials become property of Catholic Life Insurance. If e-mailing photos, send to branch@cliu.com.

Please do not use staples to attach application materials.

MAILING INFORMATION

TRADITIONAL MAIL: OVERNIGHT DELIVERY:

Catholic Life Insurance Catholic Life Insurance

Attn: All American Scholar Award Attn: All American Scholar Award

P.O. Box 659527 1635 NE Loop 410, Suite 100

San Antonio, Texas 78265-9527 San Antonio, Texas 78209-1694

Completed applications must be received by March 2, 2020. No exceptions will be made.

For information call: (210) 828-9921 ext 256 or email: branch@cliu.com

All American Scholarship, continued

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JOIN HANDS DAY is a national day of service designed to encourage youth and adults to work together on a project that benefits the community.

Catholic Life Magazine | 19

Changing a Baby’s Life – The Hill Country Branch supports the pro-life ministries of Life Matters Worldwide by participating in Baby Bottle Boomerang. Branch members handed out baby bottles to people at mass and encouraged them to fill the bottles with money and return them the following weekend.

Let’s Celebrate – Members of the Windthorst Youth Group assist the St. Mary’s parish by setting up tables, chairs, and games in preparation for the Windthorst Celebration.

Every Moment Makes a Difference – The Scotland Branch held a food drive to

help the Faith Mission supply food for the needy. The

Branch also taught the youth the importance of sharing

with others.

Cleaning the Church – St. Ann’s Pastoral Council along with St. Joseph’s Society and Altar Rosary Society in Kosciusko cleaned up the church grounds. Volunteers

raked leaves, pulled weeds, trimmed shrubs and washed statues to make the outside of the church presentable and welcoming to all who visit.

Baking the World a Better Place – Brazos Valley Branch members team up with St. Joseph School, the Boy Scouts, and parish members to bake 5800 kolaches for the annual

parish festival. The kolaches bring additional revenue to the parish to help maintain its ministries.

Courtesy of the Red, White, and Blue – Flags were put out at St. John’s Cemetery in observance of Memorial Day by members of the Nada Branch. The flags are a symbol of honor to those in the community who have passed away and who served in the Armed Forces.

Reduce, Reuse, Recycle – Students clean the Lindsay Park of tree limbs and debris. The students also planted flowers and plants around the park. The Lindsay Branch provided refreshments.

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Beating the Heat – The Fort Worth Branch donates box fans to St. John’s Community Service. The box

fans helped beat the summer heat for those with no air conditioning in their homes.

Joining Hands – The Fredericksburg Standard Stars and students from St. Mary’s School join hands with the Fredericksburg Branch to raise money for the American Cancer Society.

A Clean Church and Happy Hearts – CCD Students, Men’s Club, Altar Society, and Cestohowa Branch Members clean the Nativity of the Blessed Virgin Mary Catholic Church and Cestohowa Hall grounds for the annual picnic.

Catholic Life Magazine | 21

A Well-Kept Community – Members of the Shiner Branch and Boy Scout Troop #231, join together to clean gravesites at the Shiner Cemetery. Youth were taught a lesson on maintaining the community.

Who’s in Charge? – Director Cindy Olson installs officers during the Windthorst Branch annual social at St. Mary’s Parish Hall.

Memory and Honor – Westphalia ISD eighth-graders and Catholic Life members gathered at St. Mary’s Cemetery to place

flags on the graves of veterans for the Westphalia Branch’s annual Memorial Day Tribute.

Together we Can – Members of the Pleasanton Branch gather canned good donations for the Christian Assistance Ministry.

The Tassel Was Worth the Hassle – High School Seniors from Poth and Kosciusko celebrate during mass at St. Ann’s Kosciusko.

Blooming with Support – The Pecan Valley Branch donates funds to help underwrite the Plant Booth at the Holy Name

Catholic Church Family Fun Festival.

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Scout’s Honor – Members of the Temple Branch present the U.S. Flag to a newly formed Cub Scout Pack #716. The Pack

was formed last year for underprivileged students. The community raised money to

help provide for their uniforms, dues, etc. The goal is to help children have good role

models and be successful.

Car Contributions – Ballinger Branch Officers, Baldwin Halfmann, Sharon Duesterhaus and Billie

Schaefer present Father Yesu Mulakaleti with a check to go towards repairing his car.

Helping the Hungry – Gainesville Branch members team up with DASH (Delivering and Serving Homebound) to prepare and deliver 142 meals.

Help yourself, Helping Others – The Fort Worth Branch donates money to Tarrant Area Food Bank. They match their donation with food collected at the branch social.

Catholic Life Magazine | 23

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Proud to be an American – Officers from the Hondo Branch present an American Flag to the VBS workers to be hung in the

St. John’s Religion Building.

United We Stand – Changing Seasons Assisted Living Facility has a new Texas and U.S. Flag thanks to the Castroville Branch.

Supporting the Shelter – 3rd Grade religious students in the Lindsay Branch donate supplies to the local pregnancy shelter. The students were also given a tour of the facility to see sonogram machines and supplies for babies.

The Most Important Meal of the Day – Corn Hill Branch host a hospitality breakfast for parishioners of Holy Trinity Church. Attendees enjoyed fruit, donuts, juice, and coffee.

A Change of Pace – President Rick Stewart of the Muenster Branch retires after 34 years of serving. Branch

officers presented a plaque and gifts to say thank you.

Catholic Life Magazine | 25

Planting Seeds of the Future – Members of the High Hill-Schulenburg Branch take a break from tending

the flowerbeds at The Boys and Girls Club.

Honoring Veterans – Cestohowa Branch Officer Josephine Moczygemba presents an American Flag to the Poth VFW #8585 during a ceremony honoring veterans buried in the cemetery.

Peace, Love, and Firefighters – Members of the Muenster Branch donate funds to the Muenster Volunteer Fire Department for their annual barbeque.

Giving Back to the Community – The Honey Creek Branch presents a check to

the Altar Society of St. Joseph – Honey Creek Catholic Church during their annual luncheon.

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Don’t Be Greedy, Help the Needy – The Shiner First United Methodist Church Food Pantry was

delighted to receive a donation from members of the Moulton-Flatonia Branch.

The Stars and Stripes Unite – The Greater Houston Branch presents a U.S. Flag to Sarah McDonald, the Principal of St.

Ambrose Catholic School.

Keeping Old Glory Alive – Thanks to the Nada Branch, St. John’s Catholic Church can replace their

current tattered U.S. flag with a new heavy-duty one.

Taking a Bite out of Hunger – Youth from St. Joseph’s Parish, Rowena 4-H and the Rowena Branch Members, team together to volunteer at a benefit fundraiser. This fundraiser was for meals of the elderly and homebound community members.

Life Begins in the Garden – Mary Immaculate School received a generous donation from the Dallas Branch to make their Mary Garden and front entrance more beautiful. Just in time for school to start, new signs, flowers and more were placed around the garden.

Catholic Life Magazine | 27

Butter Crescent Rolls2 (1.4 oz.) env. active dry yeast¾ cup warm water (105-115 degrees)½ cup sugar½ cup butter, melted2 large eggs, lightly beaten1½ tsp. salt4 cups all purpose flour¼ cup butter, softened

Combine yeast and warm water in a 2-cup liquid measuring cup; let stand 5 minutes. Combine yeast mixture, sugar, melted butter, eggs and salt in a large mixing bowl; add 2 cups of the flour, stirring well. Gradually stir in the remaining flour to make soft dough.

Turn dough out onto a well-floured surface and knead 3 or 4 times. Place in a well-greased bowl, turning to grease top. Punch dough down and divide into thirds; shape each portion into a ball. Roll each ball into a 12-inch circle on a floured surface; spread with softened butter. Cut each circle into 12 wedges. Roll up each wedge, starting with the wide end; place rolls, point side down, on greased baking sheets. Cover and let rise in a warm place (85 degrees), free form drafts, for about 20 minutes or until doubled in bulk. Bake at 375 degrees for 12 minutes or until golden. Brush the rolls with additional melted butter if desired.

Yields: 3 dozen

At every special occasion at my house, there are light, buttered rolls of some type to make the meal just a bit grander.

Angela SchraederSt. Lawrence, Texas

Turkey & Dressing Casserole4 cups dressing ½ cup flour5 cups diced turkey ½ tsp. salt4 cups chicken broth ¼ tsp. pepper½ cup butter 1 tsp. parsley flakes

Place dressing in 9x13 inch cake pan. Spread to cover bottom of pan and top with turkey. Place broth, butter, flour, salt, pepper and parsley in blender container and blend well. Pour liquid mixture over turkey and dressing. Cover pan with foil and bake at 350 degrees for 45–60 minutes.

This is an excellent use for holiday leftovers.

Marjorie GrunewaldWeimar, Texas

Make-Ahead Mashed Potatoes3 lbs. potatoes (about 9 medium), peeled and cubed1 (8 oz.) pkg. cream cheese, softened½ cup sour cream½ cup butter, cubed¼ cup 2% milk1½ tsp. onion powder1 tsp. salt1 tsp. garlic powder½ tsp. pepper6 bacon strips, chopped1 cup shredded Cheddar cheese3 green onions, chopped

Place potatoes in a Dutch oven and cover with water. Bring to a boil. Reduce heat; cover and cook for 10-15 minutes or until tender. Drain; mash potatoes with cream cheese, sour cream and butter. Stir in milk and seasonings.

In a small skillet, cook bacon over medium heat until crisp. Remove bacon to paper towels with a slotted spoon; drain.

Transfer potato mixture to a greased 9x13 inch baking dish; sprinkle with cheese, onions and bacon. Cover and refrigerate until ready to use.

Remove from the refrigerator 30 minutes before baking. Bake uncovered at 350 degrees for 40–50 minutes or until heated through.

Yields: 10 servings.

Creamy mashed potatoes get even better when topped with a savory trio of cheese, onion and bacon.

Debbie SchraederSt. Lawrence, Texas

KITCHENin theWarm-up with these recipes on a

crisp autumn day!Not only is the weather changing, but what we crave is too. Whether you like pumpkin, turkey, homemade bread or mashed potatoes, our fall-inspired recipes are sure to kick off the season change.

CALLING ALLCOOKS!

WE WANT YOUR RECIPES! Submit your recipes to us today for a chance to appear as a featured chef in the next edition of our quarterly Catholic Life Magazine! If your recipe is chosen for publication, we will send you a check for $15 and a Cooking With Catholic Life apron. Email your recipe to branch@cliu.com, fax to (210) 828-4629, or mail to: Catholic Life Insurance, Attn. Recipes, P.O. Box 659527, San Antonio, Texas 78265

We would like to thank all of those who share their favorite recipes with us, so that we may in turn, share them with the entire base of our members and their families, our agents, our branches, and our own families.

Pumpkin Apple Pie¼ cup sugar 1 cup pumpkin1 teaspoon pumpkin spice 1 can (5 oz.) evaporated milk1 egg 1 can apple pie filling1 teaspoon Karo syrup (dark)

Mix sugar, pumpkin spice mix and egg together. Add syrup, pumpkin and milk. Mix well. P.S. Bake pie crust about 10 minutes before adding mixture. Spread apples in crust then pumpkin mix. Bake at 425 degrees for 15 minutes or 350 degrees for 30 minutes.

Laura RagerSan Antonio, Texas

P.O. Box 659527San Antonio, TX 78265-9527

Greg Ovino, Director of Sales Recruiting, 1-800-262-2548 ext 166

*Licensing assistance provided Home Office: San Antonio, TX RC 1/17

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That Provides an Opportunity to Share Your Values of Faith & Family.

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