Hermann Sons Life is your trusted life insurance and annuity company, but did you know that we offer Medicare too? There are a lot of changes coming to Medicare in 2025 and our goal is to help our members navigate the complexities and challenges when making healthcare decisions. Whether you are new to Medicare or have questions about your existing plan, Hermann Sons Life has licensed and certified Medicare Agents onboard and ready to help.
Our agents will help you make an informed decision about what product or plan will work best for your individual situation. We can help guide you when comparing Medicare Supplement Plans to Medicare Advantage Plans along with understanding the various enrollment periods.
Every member’s needs are unique, and we believe in offering solutions that fit your specific circumstances. Our team of experienced Medicare Agents is dedicated to understanding your individual goals and providing tailored recommendations that best suit your circumstances.
Hermann Sons Life continues to believe in giving back to the communities we serve. Our members are the heart of everything we do. We are committed to providing exceptional service, addressing your concerns promptly, and ensuring your satisfaction with our life insurance products, annuities and Medicare.
Whether you are looking for life insurance, planning for retirement with annuities or exploring your Medicare options, we are here to help you every step of the way.
· Life Insurance: Protect your loved ones and secure their financial future with life insurance policies.
· Annuities: Plan for a comfortable retirement with our anuity options that can provide a steady income stream during your retirement years.
· Medicare: Navigate your Medicare options with confidence, knowing you have the right coverage for your health care needs.
Hermann Sons Life is partnered with Spark Advisors as our Medicare FMO.
When I became a first-time mom at the age of 25, I was told that getting life insurance was the responsible thing to do. I did not understand that there were different types of insurance I could purchase so I simply went with the recommendation of my agent.
It turns out that I purchased a whole life insurance policy, and I did not understand the incredible value of my policy until years later. Becoming a life insurance agent made me appreciate my original whole life policy and the fact that my premiums were locked in and based on a healthy 25-year-old. I certainly did not understand the difference between a whole life insurance policy and a term policy.
Fast forward almost 15 years to when I became a life insurance agent for Hermann Sons Life. In my agent training someone finally explained life insurance to me in a way that made sense. I was told to think of whole life insurance in the same way you think of buying a house. Whole life insurance builds cash value the same way a house builds equity, and you can eventually pay off your home and life insurance policy. Term insurance is more like renting an apartment because it only provides a roof over your head for the length of the lease and then you leave it behind similar to when your term life policy ends. More recently, someone explained insurance to me in a different way and it went like this: whole life is for when you pass, term is for when you might pass, and work insurance should be considered as bonus insurance.
Once I started at Hermann Sons Life, I purchased a 20-year nonrenewable term policy which has provided me and my family incredible protection over the years, but at the blink of an eye my 20-year term is almost over. Luckily for me, term policies from Hermann Sons Life are convertible to whole life insurance without medical underwriting or proof of insurability. If I convert some or all of my term policy to whole life, my whole life premiums will be based on my current age. While I want to take advantage of converting my term policy to whole life insurance, I now understand that insurance premiums are always based on your age and that my original whole life policy with premiums locked in at age 25-year-old rates is a fraction of today’s rates based on my current age for a term policy conversion.
That being said, all forms of life insurance equal protection for your loved ones but having whole life in place for your whole life is incredibly valuable.
There are several benefits that make whole life insurance valuable:
• Lifetime Coverage: Unlike term life insurance, whole life insurance provides coverage for the insured’s entire life.
• Cash Value Accumulation: Whole life policies accumulate cash value over time, which can be borrowed against or withdrawn in the event of surrendering a policy.
• Fixed Premiums: Premiums for whole life insurance remain constant and locked in based on the applicant’s age at the time of purchase.
• Death Benefit: The death benefit is guaranteed and will be paid out to the beneficiaries upon the policyholder’s passing.
• Tax Advantage: Beneficiaries receive the death benefit without any tax consequences.
• Estate Planning: Whole life insurance can be a useful tool in estate planning, helping to cover estate taxes and ensure that heirs receive a specified amount.
Whole life insurance is generally more expensive than term life insurance, but never having your premium increase and knowing that your policy’s death benefit will not go away at the end of a term is very reassuring. Whole life insurance provides a combination of lifetime coverage, cash value accumulation and fixed premiums.
All forms of life insurance provide protection and peace of mind. When evaluating your life insurance coverage keep in mind that whole life insurance is for when you pass, term insurance is for when you might pass and life insurance through work is simply a bonus on top of your existing insurance.
For more information and to contact an agent, please call 866-437-6266.
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Life insurance is a crucial element of financial planning, offering peace of mind and security for you and your loved ones. If you reside in Texas and are looking for the best life insurance options, Hermann Sons Life is a reliable and trusted provider. Explore the different life insurance options available with Hermann Sons Life in Texas, ensuring you make an informed financial decision.
Understanding Life Insurance
Before diving into the specifics of what Hermann Sons Life offers, it's essential to understand the basics of life insurance. Life insurance can be broadly categorized into two types: term life insurance and whole life insurance. Term life insurance provides coverage for a specific period, typically ranging from 10 to 30 years. If the insured person passes away within this time, the beneficiaries receive the death benefit. Whole life insurance, on the other hand, provides lifelong coverage and includes a cash value component that can grow over time.
Benefits of Choosing Term Life Insurance
One of the most popular options is term life insurance. Term life insurance policies from Hermann Sons Life offer affordable premiums and substantial coverage, making them an attractive option for young families, individuals with mortgages, and anyone seeking temporary financial protection. With Hermann Sons Life, you can choose a term that suits your needs, ensuring your loved ones are financially secure if the unexpected happens.
Term life insurance provides several benefits. Firstly, it is generally more affordable compared to permanent life insurance, allowing you to obtain higher coverage amounts for lower premiums. Secondly, term life insurance is straightforward, with no investment component, making it easy to understand and manage. Hermann Sons Life offers flexible term lengths and coverage amounts, allowing you to tailor your policy to your specific needs.
Whole Life Insurance Options
At Hermann Sons Life, we offer a variety of whole life insurance plans tailored to meet the diverse needs of our members. Our Interest-Sensitive Plans cater to both adults (ages 18-70) and juniors (ages 0-17), with flexible payment options and coverage amounts ranging from $30,000 to $4 million. Limited Pay Plans are available as 20-year plans for both adults and juniors, with coverage ranging from $10,000 to $249,999 for adults and $15,000 to $50,000 for juniors, featuring customizable riders like accidental death, premium waiver, and insurability protection rider. For seniors, our Senior Adult Final Expense (SAFE) Plan offers single premium coverage from $5,000 to $50,000 for those aged 50-90, designed to help with final expenses and account for inflation. Lastly, our Single Premium Plans provide coverage for both adults and juniors with amounts ranging from $10,000 to $4 million, allowing for a one-time payment for lifelong protection.
Why Choose Hermann Sons Life for Texas Life Insurance?
When it comes to choosing a life insurance provider in Texas, Hermann Sons Life stands out for several reasons. Established in 1861, Hermann Sons Life has a long history of serving Texans with integrity and commitment. Their focus on member benefits, financial stability, and community involvement makes them a trusted choice when doing business with a company based in San Antonio, Texas.
Hermann Sons Life goes beyond providing life insurance; they offer numerous member benefits, including access to dance programs, youth camps, and community events. Their involvement in the community reflects their commitment to improving the lives of Texans, making them more than just an insurance provider.
Customizable Policies
Hermann Sons Life understands that each individual's needs are unique. Therefore, they offer customizable policies to fit your specific requirements. Whether you're looking for term life insurance policies or permanent life insurance options, Hermann Sons Life provides flexibility in coverage amounts, term lengths, and additional riders to enhance your policy.
Applying for Texas life insurance with Hermann Sons Life is a straightforward process. You can start by visiting our website or contacting an agent who will guide you through the available options. During the application process, you will need to provide information about your health, lifestyle, and financial situation. Hermann Sons Life's agents are dedicated to helping you find the best policy to meet your needs and budget.
Contact Hermann Sons Life Today
Navigating life insurance options can be overwhelming, but with Hermann Sons Life, you have a trusted partner to help you make an informed decision. Whether you are interested in term life insurance policies or exploring whole life insurance options, Hermann Sons Life offers the coverage and flexibility you need. Their commitment to financial strength, member benefits, and community involvement makes them a standout choice for life insurance in Texas. Secure your family's future with a reliable life insurance policy from Hermann Sons Life and call 210.226.9261 today.
In today's economic landscape, securing your financial future is more important than ever. One effective way to achieve this is through fixed-rate annuities. Fixed rates provide a stable and reliable income stream, making them an excellent choice for those seeking financial security in retirement. Explore the benefits of fixed-rate annuities, how fixed-rate annuities work, and why investing in Hermann Sons Life fixed-rate annuities can be a smart move for your financial future.
What Are Fixed Rate Annuities?
Fixed-rate annuities are a type of insurance product that provides guaranteed interest payments over a specified period. When you invest in our fixed-rate annuities, you are entering into a contract with Hermann Sons Life. In exchange for your investment, we agree to pay you a fixed interest rate for the duration of the contract. This makes fixed-rate annuities a low-risk investment option, as your principal investment and interest payments are guaranteed.
The Benefits of Fixed Rate Annuities
Understanding Annuity Rates
Annuity rates are a crucial factor to consider when investing in fixed-rate annuities. The annuity rate determines the amount of interest you will earn on your investment. Annuity rates can vary based on several factors, including the length of the contract, the amount of your investment, and the current interest rate environment. At Hermann Sons Life, we offer a minimum guaranteed rate of 2.75% for our Flexible Premium Deferred Annuity.
Why Choose Hermann Sons Life Fixed Rate Annuities?
Hermann Sons Life offers competitive fixed-rate annuities designed to help you secure your financial future. Our fixed-rate annuities provide the best possible return on your investment with competitive annuity rates, ensuring your investment grows efficiently. As a member-owned fraternal benefit society, Hermann Sons Life is committed to providing financial security to our members, backed by a strong financial foundation. This guarantees that your investment is safe and secure.
We understand that every individual's financial needs are unique. Our experienced professionals are dedicated to offering personalized service and guidance to help you choose the right fixed-rate annuity for your financial goals. Additionally, when you invest in Hermann Sons Life fixed rate annuities, you support our mission to improve the quality of life for our members and communities. We proudly reinvest our earnings into programs and services that benefit our members and their families.
How to Get Started
Investing in Hermann Sons Life fixed rate annuities is a straightforward process. Here are the steps to get started:
1. Assess Your Financial Goals: Determine your financial goals and how fixed-rate annuities can help you achieve them. Consider factors such as your desired retirement income, and the length of the annuity contract.
2. Consult with a Sales Agent: Our team of sales agents can help you choose the right fixed-rate annuity for your needs. They will explain the details of the annuity contract, including the annuity interest rates and payment options.
3. Complete the Application: Once you have chosen the right fixed rate annuity, you will need to complete an application. Our team will guide you through the process and answer any questions you may have.
4. Fund Your Annuity: After your application is approved, you will need to fund your annuity. This can be done through a lump-sum payment or periodic contributions, depending on your financial situation.
5. Start Receiving Payments: Once your annuity is funded, you will start receiving payments according to the terms of your contract. You can choose to receive payments immediately or defer them to a later date, depending on your financial needs.
Contact Hermann Sons Life Today
Fixed-rate annuities are a powerful tool for securing your financial future. With guaranteed returns, tax-deferred growth, and protection from market volatility, they offer a stable and reliable income stream in retirement. Hermann Sons Life fixed rate annuities provide competitive annuity rates, financial stability, and personalized service, making them an excellent choice for your investment portfolio. Contact us today by calling 210.226.9261. Start planning for your financial future today by investing in Hermann Sons Life fixed rate annuities and enjoy the peace of mind that comes with knowing your financial future is secure.
As specialist at insurance annuity solutions, Hermann Sons Life understands the misconceptions that often surround fixed rate annuities. These valuable investment tools are sometimes unfairly maligned due to misunderstandings within the broader financial landscape. Read more about the myths and reveal the truth behind fixed rate annuities, and their immense benefits and suitability for a wide range of investors.
Myth 1: Fixed-Rate Annuities Are Risky Investments
There's a common belief that fixed rate annuities carry excessive risk, deterring potential investors from considering them as part of their financial strategies. However, at Hermann Sons Life, we emphasize that fixed rate annuities offer a stable and guaranteed rate of return. This guarantee shields investors from market volatility and provides a dependable source of income, making them an ideal choice for those seeking security and predictability in their investments.
Myth 2: Fixed-Rate Annuities Have High Fees
Another misconception revolves around the notion that fixed rate annuities come with hefty fees, eating away at investors' returns. We want to clarify that while some annuity products may have fees attached, Hermann Sons Life works diligently to offer very low fee structures that prioritize our clients' financial well-being. By carefully evaluating fee schedules and choosing reputable providers, investors can access fixed rate annuities with reasonable and transparent fee structures.
Myth 3: Fixed-Rate Annuities Lack Flexibility
Some individuals mistakenly believe that fixed rate annuities lock them into rigid terms with limited flexibility. Contrary to this belief, Hermann Sons Life provides a range of flexible options within our fixed rate annuity products. From customizable withdrawal plans to beneficiary options and even potential for growth through additional features, our annuities offer the flexibility needed to adapt to changing financial circumstances and goals.
Myth 4: Fixed-Rate Annuities Are Only for Retirement
While fixed rate annuities are indeed popular among retirees seeking steady income streams, Hermann Sons Life emphasizes that they are suitable for investors at various life stages. Whether you're planning for retirement, saving for future goals, or diversifying your investment portfolio, fixed rate annuities can be a valuable asset. Our tailored solutions cater to individuals looking for stability, growth potential, and peace of mind in their financial journeys.
Myth 5: Fixed-Rate Annuities Offer Low Returns
While the returns on fixed-rate annuities may not match the potential of riskier investments like stocks, they provide a guaranteed, steady income stream. For those prioritizing safety and consistency, fixed-rate annuities can be an excellent choice. By incorporating fixed-rate annuities into your financial plan, you can achieve a balanced approach that safeguards your future.
Why Fixed-Rate Annuities Are a Smart Choice
Firstly, our Fixed Rate Annuities provide unmatched security with a guaranteed rate of return, ensuring your principal investment is protected from market fluctuations. Our fixed-rate annuities come with low fees and are designed to maximize returns for our clients by minimizing costs. Moreover, these annuities offer exceptional flexibility.
Whether you're planning for retirement, saving for a major purchase, or preparing for future expenses, our annuity products can be tailored to meet your specific needs. The predictable income stream provided by fixed-rate annuities also simplifies budgeting and financial planning. At Hermann Sons Life, we are dedicated to showcasing the value of these products and helping clients incorporate them into their financial strategies.
Embracing the Benefits of Fixed-Rate Annuities
At Hermann Sons Life, we are committed to dispelling these misconceptions and highlighting the true benefits of fixed rate annuities. With guaranteed returns, low risk, competitive fees, and flexible options, our annuities stand as a reliable and trustworthy choice for investors seeking financial security and long-term growth. Explore the reality of fixed rate annuities with us and discover how they can enhance your financial well-being. Give us a call at 210.226.9261 today or fill out our contact form for more information
At Hermann Sons Life, we understand that young families face numerous financial challenges and uncertainties. Among the most critical decisions you can make for your family's financial security is investing in term life insurance. Discover the many benefits of term life insurance for young families and why it's a valuable addition to your financial planning toolkit.
Term life insurance is a straightforward and cost-effective way to ensure your family's financial well-being in the event of your untimely death. Different from whole life insurance, which combines a death benefit with a cash value component, term life insurance provides pure insurance protection for a specified period, typically 10 or 20 years. If the policyholder passes away during the term, the beneficiaries receive the death benefit.
Affordability
For young families, budget constraints can be a significant concern. Term life insurance is generally much more affordable than whole life insurance, making it an attractive option for families with limited financial resources. The lower premiums allow you to get substantial coverage without straining your budget, ensuring that your family is protected without sacrificing other financial goals.
Financial Security and Peace of Mind
One of the primary benefits of term life insurance is the peace of mind it provides. Knowing that your family will be financially secure if something happens to you can alleviate a significant burden of worry. The death benefit can cover essential expenses such as:
Mortgage payments
Daily living expenses
Childcare costs
Education expenses
Outstanding debts
This financial safety net ensures that your loved ones can maintain their standard of living and achieve their goals even in your absence.
Flexibility and Customization
Term life insurance policies offer a high degree of flexibility, allowing you to tailor coverage to meet your family's specific needs. You can choose the term length and coverage amount that best fits your circumstances. For instance, if you have young children, you might opt for a 20- or 30-year policy to cover them until they are financially independent.
Additionally, many term life insurance policies come with optional riders that can enhance your coverage. Common riders include:
Waiver of Premium: This rider allows you to stop paying premiums if you become disabled and unable to work.
Accidental Death: This rider provides an additional death benefit if you die as a result of an accident.
Insurability Protection Rider: This rider allows the insured 6 options dates in the future to purchase additional insurance without medical underwriting.
Easy to Obtain
Term life insurance is straightforward, with no hidden fees or complex investment components. This simplicity makes it easy to understand and manage. You pay regular premiums for the duration of the term, and if you pass away during that period, your beneficiaries receive the death benefit. There are no surprises or complicated terms to navigate. .
Obtaining term life insurance is a relatively simple process. At Hermann Sons Life, our experienced agents are dedicated to helping you find the right policy for your needs. The application process is straightforward, and many policies do not require a medical exam, especially for younger, healthier applicants.
Get Started With Hermann Sons Life Today
Investing in term life insurance is a proactive step towards securing your family's financial future. At Hermann Sons Life, we are committed to providing young families with the guidance and support they need to make informed decisions about their insurance needs. By choosing term life insurance, you are ensuring that your loved ones are protected, no matter what the future holds.
If you have any questions or need assistance in selecting the right policy, please contact Hermann Sons Life today. Our knowledgeable agents are here to help you every step of the way.
One of the most effective ways to ensure a steady and reliable income during retirement is through fixed annuities. Hermann Sons Life offers a range of fixed rate annuity options designed to help you maximize your savings and secure your financial future. By choosing Hermann Sons Life, you are investing in a product that promises not only stability but also growth through competitive annuity rates.
Understanding Fixed Annuities
Fixed rate annuities are a type of insurance product that guarantees a specified rate of return on your investment over a set period. This makes them an attractive option for individuals seeking predictable income streams, especially during retirement. Unlike variable annuities, which fluctuate with market conditions, fixed annuities provide a stable and reliable source of income. This stability is particularly important for retirees who need to manage their expenses carefully without worrying about market volatility.
Our Flexible Premium Deferred Annuities offer a smart and conservative way to grow your savings. Available to individuals aged 18-89, these annuities currently pay a competitive 5%* interest rate. To get started, a minimum initial deposit of $2,500 is required, with a maximum deposit limit of $300,000 in the first year and $50,000 in subsequent years. These annuities feature a 5-year early withdrawal period, allowing for a 10% annual penalty-free withdrawal after the first year. Additionally, they come with a minimum guaranteed rate of 2.75%, ensuring your investment continues to grow steadily. This flexibility and security make Hermann Sons Life fixed annuities a reliable choice for your financial future.
Competitive Annuity Rates
One of the key factors that make fixed annuities from Hermann Sons Life so appealing is their competitive annuity rates. These rates determine the amount of interest your investment will earn over time, directly impacting the growth of your retirement savings. Hermann Sons Life is committed to offering some of the best annuity rates in the market, now at 5% with a minimum guaranteed rate of 2.75% ensuring that your savings grow efficiently. By locking in a favorable rate, you can maximize your retirement income and enjoy greater financial security.
Fixed rate annuities also offer significant tax advantages, making them an even more attractive option for savers. The interest earned on a fixed annuity is tax-deferred, meaning you don’t have to pay taxes on it until you begin receiving payments. This allows your investment to grow more rapidly, as you can reinvest what you would have paid in taxes. When you start receiving payments, you will only be taxed on the earnings, not the principal amount. This tax deferral can be particularly beneficial if you expect to be in a lower tax bracket during retirement.
Legacy Planning
Fixed annuities can also play a crucial role in legacy planning. By naming the beneficiaries of your choice, you can ensure that your loved ones receive your annuity funds directly after your death and give them the benefit of bypassing probate. This allows you to provide financial support to your loved ones even after you are gone.
Investing in a fixed annuity with Hermann Sons Life is not just about securing a stable income, it’s about gaining peace of mind. Knowing that you have a reliable financial plan in place allows you to enjoy your retirement years without constant financial worries. Hermann Sons Life’s commitment to providing high-quality, competitive fixed annuities means you can trust that your investment is in good hands.
Expert Guidance and Support
Hermann Sons Life is dedicated to helping you navigate the complexities of retirement planning. Our life insurance agents are available to provide personalized guidance and support, ensuring that you choose the fixed annuity that best meets your needs. Whether you are just starting to plan for retirement or are looking to enhance your existing strategy, Hermann Sons Life is here to assist you every step of the way.
Maximizing your savings with Hermann Sons Life fixed annuities is a smart and secure way to ensure a financially stable future. With competitive annuity rates, tax advantages, and customizable payment options, these fixed annuities offer numerous benefits to help you achieve your retirement goals. Don’t wait to secure your financial future – contact Hermann Sons Life by calling 210.527.9113 today to learn more about how our fixed annuities can benefit you and your loved ones. Let Hermann Sons Life be your trusted partner in retirement planning, providing the security and peace of mind you deserve.
Life insurance is more critical today than ever before, especially for Texans navigating an unpredictable world. As families face financial challenges and uncertainties, ensuring that our loved ones are protected and our future is secure is of utmost importance. Life insurance offers a multifaceted solution, providing financial stability, covering debts, and offering a reliable retirement income through fixed annuities. Explore the top five reasons why Texans need life insurance now more than ever and see how our life insurance agents at Hermann Sons Life can secure a comfortable future for you and your family.
1. Financial Security for Your Loved Ones
In Texas, ensuring the financial security of your loved ones is paramount. Life insurance provides a safety net that guarantees your family will have the financial means to maintain their standard of living in the event of your untimely passing. With Texas life insurance, the death benefit can cover essential expenses such as mortgage payments, daily living costs, and even future education fees for your children. Without this safety net, your family might face severe financial hardships, making life insurance an essential part of any Texan’s financial planning.
2. Debt Coverage and Estate Planning
Life insurance plays a critical role in covering outstanding debts and facilitating smooth estate planning. Many Texans carry significant debts, including mortgages, car loans, and credit card balances. In the unfortunate event of your death, these debts do not disappear and can become a burden on your loved ones. A life insurance policy can ensure these debts are paid off, preventing financial stress for your family. Additionally, life insurance can aid in estate planning by providing liquidity to cover estate taxes and other final expenses, allowing your heirs to inherit without the burden of immediate financial obligations.
3. Fixed Annuities for Stable Retirement Income
Life insurance isn’t just about providing for your family after you’re gone; it’s also a tool for building a stable retirement income through fixed annuities. Fixed annuities are a type of insurance product that offers guaranteed payouts over time, ensuring a steady income stream during your retirement years. For many Texans, this can be a crucial component of a comprehensive retirement plan, providing financial stability and peace of mind. Hermann Sons Life offers Fixed Annuities with competitive annuity rates, making it an excellent choice for those looking to secure their financial future.
4. Competitive Annuity Rates
When considering life insurance and annuity products, the rates offered are a vital factor. Hermann Sons Life prides itself on providing competitive annuity rates, ensuring that Texans receive the maximum benefit from their investment. These rates can significantly impact the overall return on your investment, making it essential to choose a provider like Hermann Sons Life that offers favorable terms. With higher annuity rates, your retirement savings can grow more efficiently, providing you with a more substantial and reliable income stream when you need it most.
5. Protection Against Unforeseen Circumstances
Life is unpredictable, and unforeseen circumstances can strike at any time. Having a policy in place can ensure that your family doesn't have to make drastic lifestyle changes or face financial instability during an already challenging time. Hermann Sons Life offers a range of life insurance products tailored to meet the diverse needs of Texans, ensuring comprehensive coverage for any situation.
Planning for the Future with Hermann Sons Life
The importance of life insurance in Texas cannot be overstated. From providing financial security for your loved ones and covering debts to offering competitive annuity rates and fixed annuities for a stable retirement income, life insurance is a multifaceted tool that benefits Texans in numerous ways. By planning for the future, you can ensure that your family is protected, your debts are managed, and your retirement is secure.
Choosing the right life insurance provider is crucial. Our Life Insurance Agents at Hermann Sons Life stand out by offering a variety of life insurance and annuity products designed to meet the unique needs of Texans. With a commitment to providing top-notch service and competitive rates, Hermann Sons Life is the ideal choice for securing your financial future.
Whether you are looking to provide financial security for your loved ones, cover outstanding debts, plan for retirement with fixed annuities, or ensure you have protection against unforeseen circumstances, life insurance is an essential part of your financial planning. Hermann Sons Life and our life insurance agents are here to help Texans like you make informed decisions and secure a prosperous future. Contact Hermann Sons Life by calling 210.527.9113 today and take the first step towards peace of mind and financial stability.
Fixed annuities are a popular choice for individuals seeking stable and reliable income during retirement. Unlike variable annuities whose returns fluctuate based on market performance, fixed annuities offer a guaranteed interest rate over a specified period, providing a predictable stream of income. This financial tool is particularly appealing to those who prioritize safety and want to minimize market risks. At Hermann Sons Life, we understand the importance of financial stability, and our Fixed Annuity products are designed to meet your long-term income needs securely.
The Benefits of Fixed Rate Annuities
One of the key benefits of fixed rate annuities is their stability. In our ever-changing economic landscape, having a financial plan that guarantees a fixed return can provide peace of mind and financial security. Whether you're nearing retirement or looking to diversify your investment portfolio, Hermann Sons Life Fixed Rate Annuities offer a reliable source of income that can help you meet your financial goals. This steady income stream can help cover essential living expenses, medical costs, and other financial obligations during retirement.
Our fixed annuities offer the advantage of immunity to market fluctuations. With a fixed rate of return, you won't have to worry about the ups and downs of the stock market impacting your investment. This stability makes fixed annuities an attractive option for conservative investors or those looking to minimize risk.
Considering the Right Timing
Before deciding on a fixed annuity, it's essential to assess your financial goals and needs. Are you looking for a supplement to your retirement income? Do you want to ensure a steady stream of income for a specific period? Understanding your objectives will help you determine if a fixed annuity aligns with your financial plan.
For individuals planning for retirement, a fixed annuity can serve as a valuable tool in creating a comprehensive retirement income strategy. By purchasing a fixed annuity at the right time, you can ensure a steady stream of income during your retirement years, supplementing other sources of income such as Social Security or pension benefits.
Investing in a fixed annuity is not just about securing immediate income, it's also about planning for the future. With the right timing and guidance, a fixed annuity can provide long-term financial stability, allowing you to enjoy your retirement years without worrying about financial uncertainties. When you invest in a Hermann Sons Life Annuity, you become a member of an organization dedicated to strengthening the communities in which we live.
Understanding Fixed Annuity Rates
When evaluating fixed annuities, it's crucial to consider the prevailing interest rates. Higher interest rates typically translate to more attractive annuity offers, as they result in higher payouts. Working with a reputable and knowledgeable Life Insurance Agent like Hermann Sons Life can help you navigate the complexities of fixed annuity rates and find the best option for your financial objectives.
So, when is the right time to buy an Annuity? The answer depends on many factors, including your financial situation, investment goals, and risk tolerance. For individuals seeking a steady income stream during retirement, purchasing a fixed annuity closer to retirement age may be beneficial. This allows you to lock in our favorable interest rate, now at 5% with a minimum rate guaranteed at 2.75%, and start receiving regular payments when you need them most.
Before purchasing a fixed annuity, conduct thorough research and seek advice from our Life Insurance Agents at Hermann Sons Life to choose one that aligns with your financial goals and risk tolerance. Factors such as surrender periods, interest rates, and payout options can vary between annuity products.
Making an Informed Decision
When it comes to fixed annuities, Hermann Sons Life stands out as a trusted provider offering reliable and competitive products. Our Fixed Annuity options are designed to meet the diverse needs of our clients, providing stability and security in an uncertain financial landscape.
With our commitment to transparency, reliability, and customer satisfaction, Hermann Sons Life is your trusted partner in financial planning and security. Ready to explore your options with fixed annuities? Contact Hermann Sons Life by calling 210.527.9113 today to speak with a knowledgeable Life Insurance Agent who can guide you through the process and help you make an informed decision about your financial future.
For many individuals, discussing final expenses can be uncomfortable, but it's an important aspect of financial planning, especially for those aged 50 and older. No one wants to leave their loved ones burdened with the financial responsibility of paying for their end-of-life arrangements. If you're considering buying more life insurance but worry about qualifications, or if you aim to leave a tax-free legacy for your family, Hermann Sons Life stands out as a unique life insurance provider in Texas.
We not only offer the financial protection you need but we also reinvest our earnings into communities and member programs, making a positive impact where it matters most. Our Senior Adult Final Expense Plan, also known as the SAFE Plan, provides peace of mind by ensuring that your final expenses are covered. With features like annual 2% growth in the death benefit, single premium payment options, modified underwriting requirements, and coverage amounts ranging from $5,000 to $50,000 for individuals aged 50 through 90, the SAFE Plan is designed to meet your specific needs and offer financial security during a critical time in life.
Benefits of Our SAFE Plan
Comprehensive Coverage: Unlike many pre-need burial plans that may not cover all funeral costs, the SAFE Plan from Hermann Sons Life offers comprehensive coverage for various expenses associated with final arrangements.
Flexibility in Use: There are no restrictions on how the proceeds from your SAFE Plan can be used. This means that the money can be utilized to cover not just funeral expenses but also incidentals such as fees for the church and clergy, police escorts, burial plot, monument, and more.
Debt Settlement: In addition to final expenses, the funds from the SAFE Plan can also be used to settle outstanding debts such as medical bills, credit card bills, and even a mortgage. This provides financial relief to your loved ones during a challenging time.
Legacy Planning: If you don’t require the money for final expenses or debt settlement, you have the option to leave the proceeds in your SAFE Plan to benefit your children, grandchildren, or a trust/foundation of your choice. This allows you to leave a lasting legacy and provide financial support for future generations.
Control Over Finances: With the SAFE Plan, you have full control over how the money is spent and who receives it. This empowers you to make decisions aligned with your financial goals and priorities.
Tax-Free Benefits: It's important to note that life insurance proceeds pass tax-free to your beneficiaries, providing them with a valuable financial resource without the burden of tax implications.
Be Prepared with Hermann Sons Life
It’s pivotal to understand the importance of being prepared for any of life’s uncertainties, especially when it comes to final expenses. Hermann Sons Life understands the sensitivity of these discussions and aims to provide not only financial protection, but also peace of mind. Our SAFE Plan is designed to cater to the specific needs of people 50 years and older offering comprehensive coverage, flexibility in use, debt settlement options, legacy planning opportunities, control over finances, and tax-free benefits for your beneficiaries.
By choosing Hermann Sons Life, you're not just securing your own financial future, you're also contributing to the well-being of your loved ones and also your community. We believe in making a positive impact where it matters most, and our commitment to reinvesting our earnings into communities and member programs reflects this.
Take the first step towards financial security and leave a lasting legacy. Contact us by calling a Hermann Sons Life Insurance Agent today at 210.527.9113. We're here to support you every step of the way.
Planning for retirement can be a daunting task, filled with uncertainty and complex financial decisions. However, with the right retirement asset, you can navigate your journey with confidence and security. One option that is gaining popularity among Texans is the Hermann Sons Life Fixed Rate Annuity, and for good reason. Explore how our fixed rate annuities can help you plan effectively for your retirement years.
An Annuity is a financial product that offers an income stream for a specified period, often used as part of a retirement plan. In other words, an annuity is a safe way to accumulate retirement assets while also earning a good rate of return. The Hermann Sons Life Fixed Rate Annuity stands out for its simplicity, safety, and competitive yields, making it an attractive choice for those seeking a conservative investment option.
Benefits of Our Fixed Annuity
One of the primary benefits of fixed rate annuities is the security it provides for your principal. Unlike some other investment vehicles that are subject to market fluctuations, a fixed rate annuity ensures that your initial investment is safe and will not decrease in value. This stability is particularly appealing to individuals nearing retirement or those who prioritize the preservation of their capital.
Fixed rate annuities also offer tax advantages that can significantly impact your retirement savings. Unlike certificates of deposit where interest earnings are taxed annually, interest dollars in a fixed annuity are tax-deferred until withdrawal. This means that your earnings can compound over time without being diminished by taxes, allowing for potentially greater growth of your retirement nest egg.
Another advantage of Hermann Sons Life's Fixed Rate Annuities is the flexibility it offers in terms of contributions and transfers. You can transfer funds from existing retirement accounts into the annuity, consolidating your assets and simplifying your financial portfolio. Additionally, the annuity allows for flexible premium payments, giving you control over how much and how often you contribute to your retirement savings.
Safeguarding Your Future
When considering retirement planning, it's crucial to weigh the risk-reward ratio of different investment options. While higher-risk investments may offer the potential for greater returns, they also come with increased volatility and the potential for losses. Fixed annuities strike a balance by providing steady, predictable returns while safeguarding your principal from market downturns.
Hermann Sons Life understands the importance of balancing growth potential with risk mitigation, which is why our Fixed Rate Annuity is designed to offer competitive yields with a high degree of safety. By choosing an annuity, you can enjoy the peace of mind knowing that your retirement funds are working for you without exposing you to unnecessary risk. For those who prioritize simplicity and ease of understanding in their financial products, Hermann Sons Life's Fixed Rate Annuity is an excellent choice. The straightforward nature of this annuity makes it accessible to a wide range of investors, from novice savers to seasoned retirees.
Choose Hermann Sons Life for Your Fixed Annuity
Hermann Sons Life Fixed Annuity rates offer a compelling solution for retirement planning. With their emphasis on safety, tax advantages, competitive yields, and flexibility, these annuities can help you build a secure financial future. Whether you are just starting your retirement savings journey or looking to enhance your existing portfolio, consider the benefits of a fixed rate annuity from Hermann Sons Life. Your retirement dreams deserve a solid foundation, and with the right investment strategy, you can turn those dreams into a reality.
As retirement approaches, it's natural to seek stability and security in your financial plan. Our Fixed Rate Annuities provide a reliable foundation for your retirement savings, allowing you to focus on enjoying your golden years without worrying about market fluctuations or economic uncertainty.
Ready to take the next step towards a secure retirement? Contact Hermann Sons Life by calling 210.527.9113 today to learn more about our Annuity products, competitive rates, and expert guidance from our experienced agents.
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Life is full of uncertainties, but your financial future doesn't have to be. When it comes to safeguarding your loved ones and securing your legacy, choosing the right Texas Life Insurance Policy is paramount. With the variety of options available, from Term Life to Whole Life insurance, navigating this decision can seem daunting. That's where a knowledgeable life insurance agent from Hermann Sons Life comes in.
Customizing Your Coverage
Texas Life Insurance Policies vary in coverage, premiums, and benefits. It's crucial to work with a reputable life insurance agent who understands the intricacies of the industry and can tailor a policy to suit your unique needs. Whether you're a young family just starting or a seasoned individual planning for retirement, there's a life insurance solution for everyone.
One of the key benefits of working with Hermann Sons Life is the ability to customize your coverage. Our life insurance agents will assess your financial situation, future goals, and family dynamics to recommend the most suitable policy. From choosing the coverage amount to selecting additional riders for added protection, we ensure that your policy reflects your priorities.
Flexible and Affordable Term Life Insurance
For many Texans, Term Life Insurance is an excellent starting point. This type of policy provides coverage for a specific period, typically ranging from 10 to 30 years. It's a popular choice for young families in Texas looking for affordable protection during critical years. With Hermann Sons Life, you can rest assured knowing that your loved ones are covered in the event of an unforeseen tragedy.
Reasons to choose Term Life Insurance:
Provides you with a high amount of protection at a low premium price.
Our Term plans offer a wide range of options to suit individual needs and changing circumstances.
Many Term Life policies are convertible to Whole Life, which allows the insured to change or upgrade the policy without a medical exam.
Lifelong Security with Whole Life Insurance
If you're seeking lifelong security and guaranteed benefits, Whole Life Insurance may be the right option for you. Unlike Term Life, Whole Life policies provide coverage for your entire life. Additionally, whole life policies build cash value. Our life insurance agents in Texas can explain the long-term advantages of whole life insurance and help you make an informed decision.
Reasons to choose Whole Life Insurance:
Your premium payments remain the same during your premium-paying years.
You can choose to pay annually, semi-annually, quarterly, or by monthly bank draft.
You have insurance protection for your lifetime.
The Importance of Working With a Local Agent
When it comes to life insurance, having a local insurance agent that you can trust makes all the difference. Hermann Sons Life is deeply rooted in the San Antonio community, and our agents understand the unique needs and challenges facing Texas residents. We prioritize personalized service, transparent communication, and ongoing support to ensure that your coverage remains relevant as your life evolves.
What makes Hermann Sons Life Agents stand apart? Our agents attend education seminars and regional workshops, where they learn new skills and receive up-to-date information on the life insurance industry, so they have the knowledge and training that will allow them to be the best Life Insurance Agents they can be. Our agents can help you determine which life insurance products will best fit the needs for you and your family.
Planning for Tomorrow, Today
Life Insurance isn't just about protecting against the unexpected; it's also a vital component of your financial planning. Our life insurance agents in Texas can work alongside your financial advisor to integrate life insurance into your overall strategy. Whether you're focused on retirement planning, estate preservation, or wealth transfer, we'll help you achieve peace of mind knowing that your loved ones and assets are secure.
Explore your options, answer your questions, and design a customized life insurance policy that aligns with your goals and values. With us by your side, you can face the future with confidence and clarity. Don't wait until tomorrow to secure your family's future. Contact Hermann Sons Life by calling 210.527.9113 to schedule a consultation with a knowledgeable life insurance agent near you.
Happy New Year! Thank you for all you do for your lodge. I appreciate every member who attends their lodge meetings and especially those who volunteer to serve as a lodge officer.
I am proud of the 28 lodges that met or exceeded its 2023 lodge membership goals. All 28 lodges will be receiving a check for achieving their membership goals.
The 2024 lodge membership campaign theme is “Grow with Us.”
As I attended lodge meetings and lodge Christmas parties this past year, I was always paying attention to what worked for each individual lodge. The most common dynamic that brought members together was sharing a meal together and the second thing was a combination of games, door prizes and raffles – another way of bonding with lodge members, friends and the community.
My own lodge, Prinz Solms, had the largest gain in membership this past year and I can remember our meetings having bare minimum attendance in the past, but I think my lodge president and his wife (Clif and Audrey Klabunde) have helped Prinz Solms Lodge turn attendance around. We now have 25-30 members attend on a regular basis and our Christmas party had more than 150 people in attendance. Both Clif and Audrey are always inviting people (whether they are members or not) to attend our meetings. Audrey’s group texts are the perfect reminder to remember our meeting dates and times and a great reminder to bring a side dish or dessert. We always have a great meal, play bingo and when possible, we have a speaker from our community give a presentation.
Have you considered inviting your friends, neighbors or relatives to a lodge meeting? Once they are there, simply explain that they too can be a member by purchasing a life insurance policy or an annuity from Hermann Sons Life. We have life insurance products to fit everyone’s budget and our new annuities are currently earning 5 percent interest! If you do not have an agent at your meeting, feel free to reach out to me personally and I will make sure we take care of anyone interested in joining our wonderful organization. We are always recruiting new agents and if you know of someone in your community that would consider joining Hermann Sons Life as an agent, please steer them our way. We are always recruiting new agents and I would appreciate your help in finding new agents.
Growing membership in all Hermann Sons Life lodges is crucial for fostering a sense of community, ensuring financial stability and sustaining our organization’s mission and values. A larger membership base allows for increased support, resources and a broader impact on the community.
A flyer will be included with your lodge’s new member goal packet for 2024. Please write in the number of new members each month for 2024. Membership will be counted when a new member joins your lodge by purchasing life insurance, an annuity or signs up for Medicare. In 2024, lodges will earn $50 for meeting their lodge goal and additional $25 if the lodge exceeds its lodge goal. The lodge that exceeds its goal by at least three members and has the largest positive membership gain will earn an additional $200.
Please keep the referrals coming our way! We appreciate all members and will continue to have a recommender drawing each month. You can recommend prospects through our website at hermannsonslife.org, by email, sales@hermannsonslife.org, by phone at 210-527-9113 or by reaching out to your local agents.
Thank you for being a Hermann Sons Life member. Our campaign of “Grow with Us” is possible if we all work together!
The Hermann Sons Life Sales Department wants to wish you and your family a Merry Christmas and Happy New Year!
As you are shopping for Christmas gifts this holiday season, please consider purchasing life insurance and the gift of protection it will provide your family.
Life insurance is often referred to as the gift of protection, and for good reason. It serves as a financial safety net for your loved ones, providing peace of mind and security in the event of your untimely passing. Just like a carefully wrapped gift, life insurance is a thoughtful gesture that demonstrates your commitment to the well-being of your family.
When you purchase a life insurance policy, you are essentially ensuring that your loved ones will be financially protected when you are no longer there to provide for them. This protection can come in the form of a lump sum payment to cover expenses such as mortgage payments, educational costs and daily expenses. It’s a way to ensure your loved ones can maintain their standard of living and pursue their dreams, even in your absence.
Life insurance also offers a unique gift – peace of mind. Knowing that there’s a safety net in place can alleviate the worry and anxiety that can accompany the uncertainty of the future. It allows your family to focus on healing and grieving without the added burden of financial instability.
Moreover, life insurance can be a thoughtful legacy gift. It can help cover estate taxes and provide an inheritance for your heirs, ensuring that your financial footprint continues to benefit future generations.
In essence, life insurance transcends the material realm; it is a gift that embodies love, responsibility and the enduring desire to protect and provide for those you care about most. So, while it may not come with a bow or wrapping paper, life insurance is indeed the gift of protection, one that lasts long after you’re gone, ensuring that your loved ones are secure and your legacy lives on.
Contact the Sales Department at 877-437-6266.
To grow membership throughout all of Texas and to provide a wider outreach of community service, Hermann Sons Life has created the first virtual lodge, the Greater Texas Lodge.
There are several lodges that are currently inactive but still have membership. Many of these lodges are in remote areas and since there are no other lodges nearby, merging into another lodge is not an option. Some of these locations include El Paso, Lubbock, Del Rio and Amarillo.
By having a virtual lodge option, we are better able to serve all of Texas and provide support and community service efforts in underrepresented areas.
Many of our members have very busy schedules, the virtual lodge will provide a more convenient way to still be an active member and engage in community service projects.
When meetings stopped due to the pandemic, some lodges successfully continued meeting virtually. We saw there was a way for members to connect even when miles apart – they can still interact and serve their communities.
The Greater Texas Lodge is open to any interested member and will be based out of the Home Office in San Antonio. Dues will be $1. Its primary focus will be community service projects. The first meeting will include the election of officers, schedule and community service planning.
Hermann Sons Life’s mission is to “strengthen community through financial protection and service.” By creating this virtual lodge, we now have an opportunity to provide just that in these unserved communities.
We will provide connection details for the January virtual meeting in the newspaper and on social media as we get closer to the meeting date.
For more information or for questions, give me a call at 210-226-9261, ext. 257 or Member Benefits Representative Leonni Avalos at ext. 238.
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October not only brings with it cooler temperatures and fall colors, but this month also comes alive with vibrant colors, sounds and flavors of Germany as we celebrate German Heritage Month. The month of October was chosen because it marks significant historical events, such as the arrival of the first German immigrants to America.
This celebration is a recognition of the rich history and culture of German society that is so woven throughout Hermann Sons Life’s story. German Heritage Month originated to honor German immigrants who helped shape the history and culture of the United States, as well as Hermann Sons Life. Germans have made so many valuable contributions to our country including science, art, music, literature and even founding the organization we now know as Hermann Sons Life, just to name a few.
Our roots date back as far as 18 BC when our namesake Hermann (Arminius in Latin) was born. Please be sure to check out the story of our history in the Hermann Sons Life newspaper's October edition, click here or you can view it on this website under the Who We Are tab. It gives a timeline of our history.
German Heritage Month also serves as a reminder of the diverse immigrant history of the United States. So many ancestors came from countries from all over the world in search of a better life for their families with the promise of the American dream. It’s beautiful to see how far we’ve come as a country and as an organization by embracing new members from all walks of life. By doing so, we welcome differing perspectives and traditions and create a more enriching experience for all.
This is wonderfully exemplified at our Camp in Comfort. Our beloved Executive Camp Director Ian Brassett, who was raised in England, and Vice President of Member Benefits Cecily Kelly have made it possible to hire counselors and staff from a number of other countries to work at our summer camp. This creates an even more culturally rich environment for our campers, counselors and staff alike as they get to share and experience so many unique things about each other’s home countries.
While we have come a long way since our “passing the hat” days of our founding fathers, no doubt their message of fraternalism still rings true today through our acts of community service, not only in Texas, but across the globe.
They have paved the way for countless contributions in the lives of Hermann Sons Life members and their communities as we work to strengthen the world around us. I am thankful that we can still celebrate the German roots of our beginning while welcoming members from every background.
Hermann Sons Life has amazing members and benefits and it’s too special to keep to ourselves.
For Hermann Sons Life Statewide Bowling Tournament final (official) results and payouts, click HERE.
The words thank you are said over and over, but I have to say “THANK YOU” to all the bowlers and workers at the Hermann Sons Life Statewide Bowling Tournament held July 29-30 in San Antonio. You all deserve a pat on the back for coming and bowling and for the non-bowlers who came out to work, thank you for taking time out of your weekend to come and help.
Opening ceremonies included President and CEO Robin Czarnek who shared a few words. She presented a check from the Home Office to Tournament President Janice Dueitt. This check goes toward increasing the prize fund each year.
In 2023, we lost one of our bowlers who also served as second vice president, Nancy Pietsch of La Grange. In her honor, George Eilert and Thomas Petras of La Grange threw out the first ball. It was a very special moment for the tournament and for the bowlers.
This year we had bowlers from Austin, Boerne, Comfort, Dallas, Fort Worth, San Angelo, San Antonio, Fredericksburg, San Marcos, Rockdale, Houston and La Grange. We even had two men come from Ada, Ok.
A total of 30 teams participated in the tournament which was up by one over last year. We all hope this is a sign and that we will go up even more next year. Remember you can have two non-members bowl with two members or just get those two non-members to join Hermann Sons Life.
New to our tournament this year was a young man from Fort Worth who bowls two-handed. This is the new thing among the younger bowlers.
High game honors go to Darlene Hampton with a 226 and high series honors go to Trisha Burns with a 594 and Trisha also had a 225 game. Other high games and series go to Pam O’Connor with a 201-512; Kim Illhardt, 206-542; Carma Kimm-Herndon, 205-588; Shannon Jones, 201-562; and Kecia Andries, 209-579.
Now the men must understand there was some great bowling, but I can’t list all of you, so I’m going with the high and to the rest of you, sorry but great bowling!
High game and series go to Mike Faulkenbery with a 259 game and 686 series. Tied with Mike for high game is Dale Potter who had a 259 game and 634 series. Other games and series were Rodney Ottmers, 246-658; Joseph Rodriguez, 233-641; Trey Castor, 237-643; Bryan Beauchamp, 243-627; Max Maxwell, 233-624; Keith Crenwelge, 234 -647; Allan Werner, 246-680; Dorian Villegas, 225-617; John Gates, 244-627; Terry McFarland, 241-621; Rob Cline, 236-64; Troy Smith, 237-60; Justin Justice, 233-604; Bill Jackson, 225-605; and Ronnie Burns, 222-612.
Congrats to all the high scorers.
Thank you to all the bowlers who bowled with people they had never met and to those that at the last minute let me put them on a team with strangers. Those strangers are now your friends and maybe you will want to come and bowl with them again in the future. Thanks to those who answered my calls and found me bowlers when I needed them.
The tournament site for 2024 will be at Cityview Lanes in Fort Worth. The dates will be July 27-28. So put this date on your calendar and make plans to come bowl and have fun like we did in 2023. Come and make memories and history with us.
The final official tournament results and payouts will be announced in the October newspaper along with photos of the winners.
After the tragedy in Uvalde, I had members and lodges asking me, “What are we going to do for Uvalde?” I wanted to do my research to make sure that our members’ investment was going to something meaningful and impactful. I also knew at that time that I wanted to reimagine how our Grief Camp was running. We had a wonderful relationship with the Children’s Bereavement Center, but it was time for a change.
I found the Bluebonnet Advocacy Center on Facebook and started following what they were providing in the Uvalde area after the tragic shooting. I sent an email to their executive director to set up a phone call to see what they needed in ways of donations. After some back and forth, I was contacted by their new Executive Director Edward Gentry.
We discussed the grief counseling the center was providing to the children of Uvalde and their families, and the needs of the organization to continue to provide support. That is when I floated the idea of having these children and counselors attend our Camp. He was excited about the opportunity but wanted to speak to his staff to get their feedback. Within a week, I received another call from Edward requesting a tour and a meeting with him, his staff, Executive Camp Director Ian Brassett and myself. I happily agreed and after that meeting, we agreed to try it out! They were ready to go back and see how many families would be interested.
After weeks of working and planning, Hermann Sons Life Camp hosted 13 campers and a grief counselor during spring break in March. For the safety of the children and due to the ongoing exploitation by the press, we did not advertise anything about this special camp session and photos were not allowed.
I was able to attend one day to see for myself how impactful this was for these kids. The smiles on their faces were enough for my heart to know that we were doing something special. I asked a few people what their first-hand experience was.
Mike Hayes, EMT on duty during the grief session said, “It was an honor to be there and serve these amazing and resilient kids. Since the tragic day last year, Texans from all over were quick to support the Uvalde community. I was blessed to see this firsthand, but more importantly I witnessed not just an acute response that ended in a few days, weeks or months. Thankfully, the heart and passion of Texans serving the Uvalde community remains strong today.
The Hermann Sons Life organization and staff did much more than provide a week of fun and fellowship for these kids and families. This week was filled with smiles and laughs that many of these kids hadn’t experienced in quite some time. The support and care surrounding them by HSL staff was immeasurable. I was truly honored to serve these kids and their families and to have a small part in sharing a smile or laugh with them. Truth be told, these kids brought a significant amount of joy to my heart in interacting with them at camp this week. Thank you and Ian for the opportunity!”
Edward wrote, “It’s difficult to put into words what a difference, an impact, that the generosity of Hermann Sons Life did by offering the camping experience to the children we work with. Your organization should take pride in acting as a server. You saw and met the practical needs of the children, allowed them to be free and accomplish their goals, while investing the time and energy of your organization to ensure the children’s success. The definition of compassion is ‘investing whatever is necessary to heal the hurt of others’ and for the Bluebonnet Children’s Center, on behalf of the children we work with, Hermann Sons Life is a true model of compassion. We can’t thank you and your team enough for this amazing opportunity.”
Jennifer Haby, counselor for BCAC said, “First, a huge thank you to everyone who was involved in the camp for our clients from Bluebonnet CAC. I am a therapist from Bluebonnet and was able to attend with our clients this week. I wanted to say that everyone at Hermann Sons Life gave the kids a place to feel free enough to laugh loud, smile big and create new friendships, and it was wonderful to be a part of it. Thank you all so very much!!”
Hermann Sons Life looks forward to assisting the children of Uvalde in the future. If you or your lodge would like to donate to the Grief Camp, please contact call 210-226-9261, ext. 238, or email at leonnia@hermannsonslife.org. Donations can also be made online, click here. Or you can mail a check to Hermann Sons Life, P.O. Box 1941, San Antonio, TX. 78297, Attn: Grief Camp.
Hermann Sons Life has raised annuity interest rates for the Flexible Premium Deferred Annuity product to 4 percent.
Your Home Office staff is working hard to find better ways to serve you. We want to ensure you have quality, competitive products to be able to plan for your retirement and take care of your family.
With the volatility of the stock market, many members have expressed their concerns about losing money and CDs offering poor rates of return and are looking for products to help save for retirement. With this in mind, we are excited to share that we were able to raise annuity interest rates for our Flexible Premium Deferred Annuity product. Hermann Sons Life has many annuity certified agents ready to help you get started with a fixed annuity. Our agents can help you decide if an annuity product is right for you.
In 2022, Hermann Sons Life added Medicare to its line of products.
Hermann Sons Life has Medicare certified agents writing Medicare products with Aetna, Anthem Blue Cross, Cigna, Humana and United Healthcare. Plans available include Medicare Advantage, Medicare Supplements, Special Needs and Hospital Indemnity.
Many members were frustrated over the complexities of Medicare. We felt this was one way to help serve our legacy members. To learn more on Medicare click here
When you’re ready to talk about annuities, life insurance or Medicare, give our sales team a call at 210-527-9113 or 877-437-6266.
Please note that we do not offer every Medicare plan available in your area. Any information we provide is limited to those plans we offer in your area. You can go to Medicare.gov or call 1-800-Medicare to get information on all your options.
Hermann Sons Life is now offering Medicare products to better serve our eligible members with quality products.
Your Home Office staff is working hard to find better ways to serve our members. Medicare was a great place to start as so many of our legacy members are eligible for Medicare and have expressed their frustration at having to navigate the process.
Hermann Sons Life is now in partnership with American Benefits Exchange, a division of AmeriLife Group, a leader in Medicare solutions.
The Sales Department and agents have spent several weeks getting ready for the annual enrollment period (AEP) now under way through Dec. 7.
Medicare products can be complex. Our sales team has spent many hours training and testing to earn their certifications to become a Medicare agent, as well as product training with carriers such as Aetna, Anthem Blue Cross, Humana and United Healthcare.
Our agents have access to the latest software and technology to help members choose a plan to best suit their needs.
The Medicare plans available include Medicare Advantage, Medicare Supplements, Special Needs and Hospital Indemnity.
A Medicare plan through Hermann Sons Life includes membership and access to living benefits.
Medicare has been around since 1965, and Hermann Sons Life is happy to be able to offer a wide range of Medicare options to suit our members’ needs.
For more information, call our Sales Department at 210-527-9113.
To learn more, click here
Please note that we do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. You can go to Medicare.gov or call 1-800-Medicare to get information on all your options.
Your Home Office is working hard to ensure that “We strengthen community” is not simply a slogan. We strongly believe in the mission of our forefathers to strengthen our communities and leave them better than we found them. You will notice that some of our upcoming campaigns will be centered around community service to ensure we remain steadfast in our fraternal mission.
Beginning in this month’s issue, we will be highlighting charitable organizations that are doing good work in our communities. I am thrilled to recognize the first organization we are highlighting, Canyon Lake Animal Shelter Society. (C.L.A.S.S.)
C.L.A.S.S. is a 100-percent volunteer-led organization that is funded completely by donations. The volunteers meet the needs of the animals and work tirelessly to find them foster and adoptive homes. You can read more about C.L.A.S.S. in the article featured in the October edition of Hermann Sons Life. (Click here)
We invite you to share with us information on the organizations in your community that are doing good work as well. We want to recognize other groups strengthening our communities. Hopefully, by shining a light on them we can help them receive the resources they need to continue making a difference.
Please be sure to share pictures and stories of your volunteer efforts so that we can encourage our fellow members to do the same!
I look forward to hearing from you.
For more than 160 years we have been guided by our founding fathers and their belief in “Friendship, Love and Loyalty.” Now, more than ever, we must continue to honor their legacy.
From the bottom of my heart, I want to thank you for the warm reception you have shown me since joining Hermann Sons Life in April 2021. My husband, David, and I have enjoyed visiting many lodges and meeting so many of you, and we look forward to meeting many more members at future lodge meetings and events.
It is my privilege to have been appointed your President and CEO by our Board of Directors. I am honored for the faith and trust they have placed in me. This is an honor I don’t take lightly. I will be working hard to move Hermann Sons Life forward, as will the Home Office staff. Change is never easy, but everyone of us here at the Home Office is dedicated to ensuring that we do everything possible to not only improve the experience for our members, but to ensure that we are providing the very best products and member benefits as well.
I am reminded of the quote by John F. Kennedy, “There are risks and costs to action. But they are far less than the long-range risks of comfortable inaction.” Hermann Sons Life has been a blessing to so many families across our great state of Texas and for us, the risk of inaction could mean obsolescence if we don’t move forward. Our mission is to ensure our future generations are also able to experience the Hermann Sons Life community that has blessed and enriched our lives.
We recognize the need for modern technology, new products and innovation and new ways of being a lodge community, as well as communication with you. With the world moving so fast, we recognize the importance of finding new, better ways to serve you.
We are in the middle of testing a new policy administration system to be able to serve you more efficiently and provide the technology and tools you’ve been requesting. We have been listening and are working hard to improve customer service. While technology never rolls out as fast as we would like it to, we want you to know it’s coming, and we’re excited!
Your sales team has been researching new products to serve you as well.
We take the responsibility of being your trusted life insurance organization seriously and that means finding new, innovative ways for you to protect your family and your assets. You will be hearing more soon about some exciting product developments that we can’t wait to share with you, so stay tuned!
Not only do we strive to be your trusted financial institution, but it is also our mission to “strengthen community.” That means we need to be actively pursuing service opportunities. The pandemic greatly slowed volunteerism, so we need to focus on recommitting ourselves to strengthening our communities through service and financial assistance. It’s important to us to continue the legacy our founding fathers began and to keep the traditions of fraternalism alive.
With fraternalism in mind, we are rolling out a new award for 2022, the “Leroy Muehlstein Fraternalist of the Year” award with the blessing of the Muehlstein family. We will be recognizing an agent each year that exhibits what it means to be not only a Hermann Sons Life member, but a humanitarian. We will be accepting nominations from our members for this award in January 2023. We are thrilled to be able to share this with you. Mr. Muehlstein exemplified the true spirit of fraternalism, and it’s our blessing to be able to carry on his good works through our agents.
Mr. Muehstein was the ultimate fraternalist who lived life every day by the Hermann Sons Life motto of “Friendship, Love and Loyalty.” He began his Hermann Sons Life journey in 1955 as a member of Harmonia Lodge and served in numerous capacities throughout his life from president of his lodge to being elected Grand President. He served from 1989 to 2009, longer than any other Grand President. He never missed an opportunity to help the community and was quick to volunteer for projects such as Join Hands Day. His reach extended far beyond Hermann Sons Life as he worked as a volunteer in so many ways, from making repairs at a local elementary school to serving in several organizations like the Optimist Club and Boysville.
Please know that I am always a phone call or email away and, of course, my door is always open if you want to stop by and visit. We want to hear your ideas and make Hermann Sons Life the best place to be!
Hermann Sons Life Camp is a hectic place to work at this time. And that’s a great thing! We are gearing up for a fantastic summer of fun for our junior members.
The Boerne ISD is currently utilizing our Hilltop facility for its BOA programs. And we love having them here! I was walking to the Dining Hall one day and simply hearing the joyous noise of campers playing at the Gaga pits was awesome! Anyone who has worked in Camp will tell you how great that sound is - especially in February.
The Boerne students also are using the river and the canoes and kayaks. We cannot wait for our campers to enjoy a lazy morning or afternoon at the river.
We are gearing up for a very busy spring. The camps look great. Gary, who joined us in October, is really outdoing himself. The Hilltop pool looks great! The Riverside pool will be resurfaced this summer.
Staffing is going great! It’s looking like we will be able to run a full Camp on both the Hilltop and Riverside campuses.
While we’re still looking for a few nurses, I’m excited with the process of filling up our staff lists. We have a few Zoom training sessions on the calendar to help our staff better prepare for the campers’ arrival.
ENROLLMENT OPENING SOON!
Yay! All age eligible campers (aged 9-14) will be emailed and mailed when we open enrollment for our camper sessions.
Based on last summer’s scores, I expect enrollment to be brisk with one or two sessions having a waiting list. Don’t delay!
MINI-CAMP ENROLLMENT (July 28 - 31) will be for our first-time campers ages 8 and 9. This is a coed camp run on Hilltop and includes a lot of our camper favorites. We look forward to serving our younger junior members.
We will again allow for campers to enroll for a second session. The eligible weeks will be announced in May.
OPEN HOUSE – JUNE 11
Our open house is set for June 11. We are excited to welcome everyone to check out the many improvements we’ve made over the past three years.
Just to give you some idea of the work we have been doing to provide a better camp experience for campers, here’s a list of just some of the changes we’ve made to the camps since 2018.
CAMPER IMPROVEMENTS
• Added NEW activities to both camps
- Rocketry to Riverside
- Yoga to Riverside
- GaGa to both camps
- Giant swing
- Drama to Hilltop
- Kayaking to both camps
• International counselors
• Food service changed to cafeteria-style
• Added warming cases and steam tables to the food service at both camps
• Campers now sit with their dorm and dorm counselors
• Added popular Game Night
• Bought a bus
• Improved counselor-in-training program
• Added water stations throughout both camps
• Tracking campers’ enjoyment through weekly surveys
• Added a second week option for campers
• Added 6th year (14-year-olds)
• Added Mini-Camp (8- and 9-year-olds)
• Water bottles given to all campers and staff
• More activity choices in 2022 (half-day elective program)
PARENTAL IMPROVEMENTS
• Streamlined arrival days
• Adding Camp line dance videos to the YouTube Channel
• Survey parents immediately after their child’s week through Survey Monkey
• Added Camp App for parents – Increased parental engagement
• Parent Handbook – better informed parents!
• Zoom informational sessions every spring.
• Online health forms in 2022!
• Online Camp Store
STAFFING IMPROVEMENTS
• Added multiple certification trainings (18 lifeguards trained in 2021)
• Improved staff lounges (added Wi-Fi) - need more furniture!
• Added Camp tours on the YouTube Channel
• Overseas staff – kitchen and maintenance staff.
• Improved Staff Manuals
• Allowed junior staff to work full summer
FACILITY IMPROVEMENTS
• Improved Riverside courtyard
• Improved ranges
• 20 picnic tables added
• Group rentals
- More income=more money to improve the facility.
- Increased usage of the facility decreases the damage dormancy creates.
- Getting our name “out there”
• Converted Rattlesnake to arts pavilion.
• Fans for the dance pavilion
• Two permanent sun shelters at the Challenge Course
• Annual Volunteer Work Day
• Added curtains to all dorms on Hilltop
• Added bulletin boards to all dorms
• Improved annual processes to maintain quality facilities.
And so much more!
Greetings from Comfort!
We are busy again preparing for a wonderful summer for our junior members. Hiring is in full swing with many of your camper’s favorite counselors planning to return for another summer!
I’m also excited that most of our kitchen staff will be returning to Camp in 2022. Last summer was certainly a big challenge in the food service area and a full compliment of cooks returning is great news for our campers.
Medical Staff Needed
I will be needing medical staff. This is a great opportunity for registered nurses, licensed practical nurses, emergency medical technicians and certified nursinge assistants. If you, or anyone you know, is a nurse, please have them reach out to me at 909-362-9058 or ianb@hermannsonslife.org. The medical staff position is a paid position at Camp and includes paid tuition for their child(ren). They do not need to be Hermann Sons Life members for a paid role at Camp.
CIT Program
In 2021 we revamped our Counselor-in-Training Program. Roly-Poly did a wonderful job this past summer and that has resulted in an extremely high number of junior staff applicants especially at Riverside. While there is still time for our 17-year-old CIT-2 graduates from Riverside to apply – a few of our sessions on Riverside are already full.
Feb. 28 is the last day for CIT-1 candidates to complete their application and schedule an interview with me. The process is easy. Go to https://www.hermannsonslife.org/counselor-training-application. All details and the application are listed!
CIT-2 campers will be receiving an email mid-late February detailing the enrollment process for them. CIT-2s will also be offered an opportunity to earn archery and lifeguarding certifications.
The CIT program is a wonderful bridging program. The CITs are taught basic leadership skills, are given responsibility and opportunities to showcase these leadership skills by preparing for and running one of our campers’ favorite evening events – the Game Night. Our CITs are role models who all our campers look up to. Our CITs spend time in the younger camper dorms playing with and helping the kiddos enjoy their Hermann Sons Life Camp experience.
TWO WEEKS AND 14-YEAR-OLDS!
Camp registration will be open in March and will stay open through the summer and close two weeks prior to a session’s opening day. To allow for the Camp to run at capacity and for campers to enjoy at least five sessions with us, we will again be offering a second week to those campers who wish to participate in more than one week of summer fun! A camper may enroll for their second week after May 15. This ensures that our members have at least two months to enroll in their first session. In 2019, we did have a waiting list in a couple of sessions, so I advise you to enroll early to avoid the disappointment of not getting the session of your choice.
In 2022, we will again allow our 14-year-old junior members to enroll in Camp.
MINI-CAMP
We are excited to offer our youngest junior members the opportunity to attend Camp in 2022. A mini-camp solely for 8- and 9-year-olds will be held for both boys and girls at the Hilltop campus.
The dorms are single gendered and the Camp will be coed. We will be offering a wide selection of the Camp’s most popular daily activities along with the very best evening activities. We’re super excited about this and hope you can join us!
ZOOM SESSIONS AND A PARENT HANDBOOK
This is a special year and one that we believe requires us, as a Camp, to provide parents as much information as you possible could want. A Parent Handbook is in the process of being updated to provide our parents instructions, directions and information. From drop-off to pick-up, we really want to work with our parents in helping provide the safest summer camp available for our junior members.
We will be conducting Zoom sessions as a forum to provide valuable information for our parents along with an opportunity for parents (and campers) to ask questions. We have currently scheduled three Zoom sessions at different times and on different days to hopefully allow you to attend at least one of them.
Friday, Feb. 18, 5 p.m.
Saturday, Feb. 26, at 10 a.m.
Sunday, March 20, at 10 a.m.
Please email Ian Brassett at ianb@hermannsonslife.org to get on the mailing list for one of these Zoom calls.
YOUTUBE PAGE - VIDEO CAMP TOURS
The Hermann Sons Life YouTube page offers wonderful videos to help our parents and new campers know a little more about our Camp. There’s short video tours of both Riverside and Hilltop Camps. Also on our YouTube page you will find instructional videos of some of our more popular line dances and you’ll be able to hear, see and practice some of our Camp songs. https://www.youtube.com/channel/UCRhtPPY88bAaXmk1OjI2KCg
UPDATES ON FACILITY
The Board of Directors, President Eugene Zollinger and Vice President of Member Benefits Cecily Kelly have been great in helping me get what we need to run an exceptional camp for our campers. This is just a partial list of the improvements we have made and will be making this year before Camp begins. This is certainly not a complete list.
Fort Worth Lodge donated money to help us improve the Hilltop campus. Clay is currently in the process of hanging curtains in the Hilltop dorms. The curtains will certainly help with privacy in the dorms, and they will also hopefully help prevent the AC units from overheating.
Bandera County Lodge donated 10 picnic tables which will be evenly split between Hilltop and Riverside camps. I had a lovely time visiting with the members when they dropped off the tables.
Gary Jaimes is working wonders and the Camp is in great shape for the Boerne ISD students scheduled to attend through February and March on the Hilltop campus.
We love having the facility used year-round and would like to thank Katie Miller for choosing Hilltop to host this program this year.
RENTING THE FACILITY
As mentioned before, we are renting the Hilltop and Riverside facilities. We have a wonderful facility, ideal for family reunions, church youth groups, vacation Bible school, scouting activities, youth camps and so much more. Please reach out to me at ianb@hermannsonslife.org or 830-995-3223. We have hosted Camp C.A.M.P, the girl scouts and the Golden Age Center of Comfort for varied usage and look forward to serving your group’s needs.
HELPING HANDS
I’ve received a few calls from lodges asking if there is anything they can help us with. I love this sense of community and appreciate whatever the lodges can do. If any of your members are planning on updating furniture, I’m looking for some gently used couches for our staff lounges. We can pick up. Also, we are adding golf to the program on Riverside and will need some pitching wedges, 7 irons and drivers. If your members are upgrading their golf equipment, we can certainly use the help in that area.
Our annual volunteer work day is scheduled for April 23. Any and all are welcome to come by and help us get the Camps ready for our campers. Lunch and dinner will be provided. Many hands make light work. More information will be coming in the next issue.
VISITING THE LODGES
I have had the pleasure of visiting with many lodges to discuss Camp and our plans for the summer. I hope to visit with many more lodges through the winter and spring. PLEASE INVITE ME. I’d like to attend your meetings to discuss the Camp program and why Camp is such a special and important part of Hermann Sons Life.
CAMP SCHEDULE
Week 1 - 6/12/22/-6/18/22 – Theme: Hawaiian
Week 2 - 6/19/22-6/25/22 – Theme: Halloween
Week 3 - 6/26/22/-7/2/22 – Theme: Disney and Marvel
Week 4 - 7/3/22-7/9/22 – Theme: Red, White and Blue
Week 5 - 7/10/22-7/16/22 – Theme: Neon
Week 6 - 7/17/22-7/23/22 – Theme: Christmas in July
Grief Support Session - 7/25/22-7/28/22 – Disney and Marvel
Mini-Camp - 7/28/22-7/30/22 – Hawaiian
QUESTIONS?
I’m here to serve our campers and parents. If you’d like to ask questions in a more private forum, do not hesitate to call me at 830-995-3223. I’m always available to discuss Camp.
Each February, Life Happens launches its “Insure Your Love” Campaign. What could be more appropriate than reminding everyone to “Insure Your Love” during the month in which we celebrate Valentine’s Day.
With Valentine’s Day comes the gushy sentiments, flowers and candy, among other trinkets to express our love for one another. While those things are lovely, real love is messy…and hard. Real love can mean delivering on the promise of “in sickness and in health” and “for richer or for poorer,” sometimes in too many ways to count.
Catchy slogan aside, there is a much deeper meaning to this campaign. “Insure Your Love” means ensuring your loved ones are taken care of financially. It ensures that your family can grieve without worrying about how they are going to pay the bills. Making sure your financial house is in order can be the ultimate love letter to your loved ones.
I have had the blessing of witnessing some beautiful love stories in my lifetime. One such story is Brian and Kathryn Mutchler. Brian and Kathryn enjoyed similar passions and truly enjoyed each other’s company.
Then cancer struck. A 26-month battle resulted in many treatments, medical emergencies, doctor visits and too much suffering. Yet, they still loved…deeply, though much differently. Love came in the form of doctor visits, changing colostomy bags, hospice and discussing final arrangements.
But it also came in the form of saying The Lord’s Prayer together, holding hands until the very end, three sweet kisses on the lips every chance they had and Brian worrying about Kathryn getting enough rest as he fought his battle with cancer.
Brian passed away on Thanksgiving morning holding Kathryn’s hand, as well as the hand of his brother, Mark.
As you can imagine 26 months of cancer treatments, medications, surgeries, hospice and home health care came not only with a considerable personal toll, but a financial one as well. Brian and Kathryn lived frugally and had been mindful savers, so it was a tremendous help given what they had been through and certainly left Kathryn with a better outcome financially.
What was most striking in this love story is not gushy sentiments or flowers, but something far more impactful. When Kathryn returned Brian’s keys and work phone to his employer (he had planned to return to work until the very end) she discovered that Brian had taken out extra life insurance on himself. Never mentioning it, he just quietly did this tremendous act of love.
How many times do we forego spending a small amount of money because it isn’t fun or exciting? (I include myself here.) Some of the most important purchases we make aren’t glamorous, but they certainly matter. Financial planning, buying life insurance, writing a will/trust, etc., is certainly not comfortable, but it’s one of the only things in life that it is inevitable we will use.
Brian may not be here for Kathryn, but his legacy lives on in many ways and one of those ways is through the power of financial planning and buying life insurance.
Being in the insurance industry for more than 30 years, I have seen stories like this many times and I have also seen the devastation that procrastinating can cause. While it may seem daunting, it’s not as scary as it seems. Hermann Sons Life agents are here to help you, your friends and your family take those steps. We are here to help you get the most out of life now.
This is the final part in my estate planning series. We have had some very positive feedback about the My Estate Planning Organizer that we have put together and made available on our website. If you haven’t already checked it out, now is a good time to do that. The link is below to access the organizer or visit our website home page, www.hermannsonslife.org
Thinking about end-of-life decisions can be emotional and stressful for anyone. Not facing these hard decisions is even worse.
I struggled with this section a lot as it’s a delicate topic. We don’t want to dwell on our own mortality, which is why many people never have these discussions, but it’s one of the few things in life we’re guaranteed.
The peace of mind you can provide for your loved ones is irreplaceable and can save so much stress and uncertainty.
Despite the uncomfortable nature of it, it’s the only way you can be assured your goodbye is on your terms. So often, families will go into debt to plan an elaborate send off, when that is the last thing their loved one wanted.
By planning ahead, we’re able to ensure that the arrangements are just the way we want them.
This conversation needs to include the people who are the closest to you. Some people to consider talking things over with are:
• Spouses
• Children
• Parents
• Siblings
• Pastor
• Close friends
There are so many details to consider, it’s going to take more than a single conversation to work things out. Start with the things that are most important to you. Some things to include would be:
• Location and type of service
• Public or private service
• Open casket viewing
• Organ donation
• Burial or cremation (or donating your body for science)
• For burials, the location of burial, type of casket, etc.
• For cremations, location to keep the ashes or location to scatter them
• Preferred music or a particular Bible passage or poem read
• Obituary
Writing about final arrangements had me thinking about what I would want my obituary to say. For me, I would want to know I made a difference, that I was the best I could be in every aspect of my life as a Christian, mom (and hopefully grandma one day), wife, friend and Hermann Sons Life team member. While the planning is so important, it’s the life lived that matters the most.
Hermann Sons Life is here to help you navigate the tough decisions when it comes to estate planning. Give us a call and let us help you get the most out of life.
To view and print the "My Estate Planning Organizer" - click HERE
We hope you have been able to follow along on the Estate Planning Organizer journey. If not, it’s not too late to start!
The next section in the organizer focuses on documenting your online accounts such as financial account logins, social media, etc.
With the advent of the digital age, there is a tremendous amount of information at your fingertips. This can be both a blessing and a curse…at least for me it is. I love being able to do a quick search on my phone and have anything I want to know available in seconds. The hard part is not being overwhelmed by it all. This is especially true of your online accounts.
While in this process, I was shocked at the sheer volume of accounts my husband and I use online that I take for granted. It’s so commonplace now that I don’t think it even occurs to us how lost we would be without all of this information.
Consider the impact and stress put upon a loved one by not sharing this information and them having to recreate it all from scratch. This tool can not only alleviate a lot of headaches for your loved ones, but also for you as you try to keep track of them all. A word of caution though, this would be dangerous information to have saved on your computer. It would be best kept in a secure location like your safe or fire-proof, locking file cabinet.
An alternative to documenting everything in your planner would be to use an app that keeps track of it for you. There are a number of apps that will do this and it could certainly help keep you sane in trying to remember all this information for your own personal use as well. If you do use an app to keep track of passwords and such, be sure to include that in the planner!
While you are working on your estate planning, it is also a good idea to review your financial records. This would include updating beneficiaries, making sure you have enough life insurance in force and reviewing your retirement plan to ensure you are on track to meeting your goals.
Call your Hermann Sons Life agent today to review your insurance program or call us at 210-527-9113 or 1-800-234-4124 to be connected to an agent in your area.
If you’re reading this, I am glad to see you working on your estate planning… or I assume you’re at least considering doing so. Begin with building your insurance program through a Hermann Sons Life agent, then find your community in one of our Hermann Sons Life lodges, take dance lessons, attend summer camp and become a resident of our retirement home.
We strengthen community is not just a slogan, it is something we take to heart. We are here to help you in all phases of your life to help you get the most out of life now.
To view and print the "My Estate Planning Organizer" - click HERE
In the September issue, I introduced you to the Estate Planning Organizer that we are developing for our members to use when putting their personal affairs in order. In the first part we dealt with documentation. Our next step is recording your assets.
This can feel like a monumental task, but it’s an important one. It’s easy to overlook items present in our everyday life, but without this step, your loved ones can be left trying to sort your belongings during the grieving process.
Most of us think of our assets just in terms of real estate, investments and vehicles, but jewelry, firearms, antiques, collectibles and sentimental items also need to be taken into account. For most of us, belongings with special memories attached are often the most valuable and cherished.
The Estate Planning Organizer is a project I have a personal connection to. When my father passed away suddenly, it was challenging to have only a few notes to guide us in carrying out his last wishes.
Throughout my insurance career, I have walked so many families through the process of losing a loved one. I have seen the difference planning can make and this organizer is designed to make the process less painful.
My hope is that you’ll share the organizer with a friend and perhaps invite them to a lodge meeting. Share what the Hermann Sons Life fraternal spirit is all about.
As we all continue to navigate the difficulties posed by COVID and our ever-changing world, it’s important for us to reconnect as members and to grow our Hermann Sons Life family.
Let’s keep Hermann Sons Life growing and thriving for generations to come so that we may strengthen our community and get the most out of life.
In November, we will be documenting your online presence, including your online accounts, social media, etc.
To view and print the "My Estate Planning Organizer" - click HERE
The OFFICIAL results of the Hermann Sons Life Statewide Bowling Tournament are in. To view, click here.
This year's event was held at Highland Lanes in Austin July 31 and Aug. 1.
As we navigate the uncertainties in life, it’s important to be prepared for difficult times. Financial preparation is one of the most important steps you can take to ensure your family’s future is secure should the unexpected happen, and to get you and your family through life’s most trying situations.
Making the decision to put life insurance in place (and keep it!) will bring you the comfort of knowing your family is taken care of, but more importantly, your family will have financial security to weather the storm.
Your loved ones deserve to be taken care of and your decision to plan for the future will ensure their security. When you’re ready to talk about life insurance, reach out to a Hermann Sons Life agent or get in touch with our Sales Department for help in taking the next step.
September is Life Insurance Awareness Month.
Over the next few months, our series “My Estate Planning Organizer” will provide information on the planning process step-by-step. We know this can be a daunting process to tackle on your own all at once, so we will be sharing information and documents you can print out to create your own plan.
Part 1 of our series focuses on organizing important financial documents, crucial information, including documents such as birth certificates, proof of military service, wills, trusts, etc.
We hope you will follow along to learn how you can be prepared for whatever comes your way.
To view and print the organizer, please click here.
Keep an eye out for future articles for the next steps in the series.
Greetings from the Hermann Sons Life Home Office.
I am beyond excited to write today about the completion of a project that is going to shine the spotlight on Hermann Sons Life and the uniquely amazing things that we do as a business and a fraternal organization.
“Behind the Scenes with Laurence Fishburne” is a series of short documentaries designed to educate the public about the people and organizations that are working to make the world a better place.
Last spring, the producers of the series came to me with the message that we had been chosen for a segment called, “Fraternal Organizations: Helping Secure the Future of American Families and Businesses.”
Of all the fraternal benefit societies in the United States, and there are more than 70 of them, we were chosen for this unique opportunity. What an honor!
We jumped at the chance to take part in the program for a couple of reasons.
First of all, it gave us the chance to talk about the history of fraternal benefit societies and how they have evolved through the years from exclusive groups of people drawn together by a common bond to organizations serving people from all walks to life.
Second, it gave us a chance to share our vision for how fraternal benefit societies can continue to thrive in today’s world by embracing the opportunity to adopt modern business practices while remaining true to the values that have shaped us through the decades – namely a commitment to service to each other and the greater community.
A film crew came to San Antonio last September and we filmed all day here at the Home Office. The next day we took the crew to Comfort where they filmed at the Home and the Camp.
The end result of the project is three short videos.
There are three people who speak during the segments – myself, Retired Vice President Mary Beam (pictured above) and Rebecca Henley, a member of the Home Office staff for the past 20 years. Several other members of the Home Office staff can be seen in the videos.
Mary was asked to be a part of the project because of her 50-year career with Hermann Sons Life. Mary has been a member since she was a child when she would come to the Home Office with her father who worked for the organization for 30 years.
She gives testimony about the importance of service and how Hermann Sons Life impacted her life and that of her family.
Mary is uniquely qualified to speak about Hermann Sons Life because she and her family have participated in and benefited from all aspects of our organization.
Rebecca Henley, an officer in Helotes Lodge, talks about the service initiatives her lodge has carried out. Her most impactful statements are about the importance of the life insurance offered and what that meant to her personally.
I cannot thank these two ladies enough for taking part in this project. They were nervous about appearing on film, as was I, but they did a great job and they make powerful statements that will resonate with many people.
I would also like to thank the Home Office staff – especially Marketing Manager Letricia Rodriguez, Communications Director Kathie Ninneman, Assistant Communications Director Elaine Soto and Maintenance Director Terry Haecker – for going above and beyond to get the Home Office ready for filming and for coordinating everything with the production company.
I would also like to give a shout-out to Vice President of Member Benefits Cecily Kelly, Executive Camp Director Ian Brassett and Home Manager Brenda Gunnink and their staffs for making the Camp and the Home look so good for the filming we did there.
All of these pieces that we now have in our possession will be used in various ways to promote Hermann Sons Life. We will be exploring those possibilities throughout the year ahead.
We also have all of the raw footage that we can use to create our own videos for specific projects like marketing the Camp for rentals.
I encourage anyone reading this blog to take a few minutes to view the completed videos.
• The “Behind the Scenes with Laurence Fishburne” segment can be seen under the BUSINESS section entitled "The Future of American Businesses."
• The corporate profile created as part of this project is featured on YouTube on our Official Hermann Sons Life Channel.
• As part of this project, a 30-second Hermann Sons Life commercial was also developed.
I could not be happier with the way this project turned out. I am truly blessed to be associated with this organization and this video is proof of why we should all be proud to be a part of the Hermann Sons Life family and why we should encourage everyone we know to do the same.
The 2021 summer Camp preparations have begun in earnest! I’m super excited that within three days of emailing our staff I had 25 interviews scheduled. WOW! This is awesome. What this tells me is that the staff cannot wait for next summer!
We know the campers and staff really missed Camp this summer. No one could see 2020 turning out the way it has.
We were so excited for the improvements we made and that we were planning for 2020. We are also very excited for these improvements and changes to be implemented for 2021.
We all know that you cannot have a great Camp without having a great staff.
At Hermann Sons Life we love the fact that a very high percentage of our staff members come from the camper ranks. These former campers have worked their way through both the Counselor-in-Training and Junior Staff Program.
We are excited to announce that the CIT program for 2021 begins NOW!
The first step for both the CIT-1s and CIT-2s is to complete an online application. For application, click here.
HOW TO BECOME A CIT-1
• The FIRST STEP on the road to becoming a CIT is to complete the application. The application is for past Hermann Sons Life campers age 15 (as of Sept. 1, 2021) who wish to be considered for the first level of the CIT Program. Please check the CIT-1 box on the application.
THE DEADLINE FOR APPLICATIONS IS DEC. 15, 2020.
• The SECOND STEP will be an interview with the Executive Camp Director. Approximately 150 candidates are expected to interview for the limited spots that are available Be sure to request an interview time slot as soon as possible since so many interviews must be coordinated to occur in a short amount of time.
Please click here to schedule the interview. For your convenience, the interviews will be scheduled predominantly via Skype, FaceTime or Google Hangout. The deadline for interviews is Jan. 15, 2021.
The THIRD STEP is to get three (not family members) references. This can be teachers, coaches, clergy, etc. You can simply have them go to hermannsonslife.org/camp-staff-applicant-reference. The deadline for references is Nov. 15, 2020. Please make sure they list you as the applicant! Letters of recommendation can also be mailed to Camp. Please do not send the same reference in multiple ways. If mailed to Camp, please send to Hermann Sons Life Camp - CIT Program Admissions, P.O. Box 629, Comfort, TX 78013
The FOURTH STEP is where successful applicants will be invited to enroll in the CIT Program in late January. Spaces for successful CIT-1s will be allocated on a first-come, first-served basis. The cost of the CIT program is $190 for the week.
The weeks allocated for the CIT-1 Program in 2021 are:
Week 1: June 13-June 19, 2021
Week 3: June 27-July 3, 2021
Week 5: July 18-July 24, 2021
Week 7: Aug. 1-Aug. 7, 2021
HOW TO BECOME A CIT-2
Last summer, you were of age to become a CIT-1 at Hermann Sons Life Camp. Obviously with the cancellation of Camp, you were unable to participate in the summer Camp program. The CIT-1 week at Camp lays the foundation for our CIT-2s to become more involved and hands-on with our campers in the dorms and at the activities.
The FIRST STEP on the road to becoming a CIT-2 is to complete the online application. The application is for past Hermann Sons Life campers age 16 (as of Sept.1, 2021).
Please complete the application and check CIT-2 if you wish to be considered for the CIT-2 program.
To make up for the loss of your CIT week this past summer, we are scheduling an ACCELERATED LEARNING WEEKEND Jan. 16-18, 2021, for eligible CIT-2s in the 2021 summer Camp season. If you cannot attend the Accelerated Learning Weekend, you must attend the Staff Development Week before Camp which is scheduled June 6-9, 2021, in order to attend the CIT-2 week.
This weekend is free of charge and we’d love for you to attend. It will help you as you prepare for your role as a CIT-2!
In addition to the CIT-2 week that you can attend, CIT-2s are permitted to attend an additional week at Camp. This additional week you will be scheduled to work in the kitchen or as a lifeguard (if certified) for half the day, and permitted to attend and participate in activities for the other half of the day. The additional week can be scheduled with the Executive Camp Director after the camper’s scheduled CIT-2 week.
All CIT-2s are eligible to sign up for the lifeguard training classes held in the spring for the staff.
The weeks in 2021 in which CIT-2s can enroll are:
Week 2: June 20-June 26, 2021
Week 4: July 11-July 17, 2021
Week 6: July 25-July 31, 2021
The SECOND STEP on the road to becoming a CIT-2 is to complete the enrollment form for the Accelerated Learning Weekend and email it.
The deadline for the form is Dec. 16, 2021. Click here for form.
The THIRD STEP will be to attend the Accelerated Learning Weekend on Jan. 16-18, 2021.
Enrollment into the CIT-2 Program will begin on Jan. 19, 2021.
Campers unable to attend the Accelerated Learning Weekend can sign up for Camp after March 15, 2021 – however, you must attend the Staff Development Week (June 6-9).
Spaces for successful CIT-2s will be allocated on a first-come, first-served basis.
The cost of the CIT program is $190 per week.
JUNIOR COUNSELORS
Potential 2021 JUNIOR COUNSELORS, our 2020 CIT-2s (staff aged 17) were also affected by the cancelation of Camp. We have made the decision that the CIT-2 campers in 2020 are automatically graduated into eligibility for the Junior Counselor program.
Much of our Staff Development covers many of the classes that the Junior Staff missed in their second year of the CIT program. All CIT-2s from the 2020 class, must complete and submit an application, click here.
While we have a limited number of spots for Junior Staff, they are able to attend as many weeks as their schedule permits.
As paid employees, they will need to interview with the Executive Camp Director. Click here to schedule the interview. For your convenience, the interviews will be scheduled predominantly via Skype, FaceTime or Google Hangout. The deadline for interviews is Jan. 15, 2021.
ADULT STAFF / COUNSELORS
It takes a lot of staff to run Camp. In order to run a successful and SAFE summer Camp program, we need to operate two full kitchens, a maintenance and housekeeping staff and two clinics with nurses and EMTs.
The hiring process begins now for the summer of 2021.
Ful-time counselors and staff members (18 years +) do not need to have attended Hermann Sons Life Camp nor participated in our CIT Program. While returning campers and staff are always given preference over the hiring of new staff, we are always on the lookout for TOP QUALITY individuals to work with our campers. If you know of a college-aged individual who works great with children, has high character values, please recommend us to them as a summer employment opportunity. The application can be found at hermannsonslife.org/employment/employment-camp/
We are not just looking for counselors. Nurses, EMTs, cooks and cafeteria workers at schools also have a place at Hermann Sons Life Camp. SPREAD THE WORD! Again, the hiring process has begun. If you know any nurses who can work a week at Camp, or know any school cooks who may be looking for summer employment, please have them contact me at 830-995-3223 or by email.
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Hermann Sons Life is a proud supporter of Life Insurance Awareness Month in September. This month is set aside to remind us all to insure what matters most - our families. There is no better way to do that than with adequate life insurance coverage for not only for ourselves but for every member of the family.
Life Insurance Awareness Month is sponsored by Life Happens, an insurance industry education and support organization of which Hermann Sons Life has been member for many years.
Life Happens created and coordinates the Life Insurance Awareness Month (LIAM) campaign every year. The reality checks we’ve gotten with the pandemic means we can’t talk about life insurance just in September. We need to talk about it NOW.
You may see some Life Happens products in the pages of out newspaper and we use it extensively on our social media platforms. Look for more Life Happens sponsored content in further outreach from Hermann Sons Life.
Actress, model, mom and spokesperson for Life Insurance Awareness Month—Brooke Shields, is again teaming up with Life Happens in 2020 to promote the financial health and welfare of Americans through the ownership of life insurance protection.
In a recent interview concerning the state of our society in the COVID-19 environment, Brooke stated:
“If you’re like me, you’re probably trying to reevaluate this new normal we’re all living in. But one thing has stayed the same - how important my family is and trying to protect them. We’ve come face-to-face with the reality that the unexpected can happen at any time. And we’re all looking for ways to make sure our families would be OK financially if something happened to us. Here is one thing that you can do right now to strengthen the health of your finances - get life insurance.
“That’s what life insurance is for. The need has never been more obvious, and the time for you to get life insurance is now. It’s an easy step you can take from your home. Do it for you and do it for your loved ones.”
Not everyone realizes the need for adequate life insurance protection, nor understands what their specific needs are, but life insurance can solve some very pertinent issues upon the death of a loved one.
Life insurance can pay for immediate funeral costs, pay not only for everyday bills but also outstanding debt which can crush a family’s finances. It can provide for the continuance of a family business which someone’s heart, soul and equity established. It can guarantee the financial support of immediate and future children’s education, which can cost in the tens of thousands of dollars per year. And very importantly for the surviving spouse, it can protect a planned retirement income which would be stunted by the loss of a financial contributor and loved one.
Let the knowledgeable agents at Hermann Sons Life help you with your personal needs and tailored options for adequate life insurance protection for your family.
We are but a phone call away at 877-437-6266 or visit us at hermannsonslife.org and explore more about our products and request an agent online. We will work with you to provide a safe experience, whether in person or virtually. Insure what’s most important to you, and do it today.
Disclaimer: Brooke Shields is a national spokesperson for Life Insurance Awareness Month 2020, and her services were retained by Life Happens. She does not endorse any insurance company, product or advisor. Life Happens does not endorse any insurance company, product or advisor. © Life Happens 2020. All rights reserved.
Greetings from the Hermann Sons Life Marketing Department. I hope this message finds you and your families in good health.
If your world is anything like mine, you have been getting the new school year off to a kick start and have gone to a completely virtual classroom. There has been a full circle digital evolution in just a matter of a few weeks. I have to admit, initially, it all seemed “so far away” and before I knew it, it was time to login and get started.
We experienced a few hiccups and I have had many moments of feeling uneasy, a little lost and confused, with little desire to meet this challenge going forward on a daily basis.
At the time of this writing, the first day of school was just yesterday, and I have to say, it was a long day of what seemed to be never ending hurdles to get my kindergartner finally up and operating.
Today is the second day of class, and guess what? There were no glitches and he’s off to the races!
I wanted to share a snapshot of a class activity he completed using his tablet. He was asked how he was feeling and had to circle his emotions. As you can see, he was confused, happy and calm.
As Hermann Sons Life moves its marketing efforts into new directions, including the digital environment, there will be many new and exciting experiences and feelings in store. We have various objectives outlined in our strategic plan. Just like the story of my kindergartener, there will be projects and moments that take preparation and patience.
As a member, lodge officer, employee, volunteer, etc. we may also experience an array of emotions, as he did while leaning into a virtual classroom world at the age of 5. We may be a little confused, happy or calm, but I encourage you that if a kindergartner can emerge and embrace technology, so can you!
One of the objectives is to move us in a direction to where we are using technology, various marketing mediums and tools available to us at our fingertips. While we know that grassroots, face to face interaction has always been the Hermann Sons Life way, we will balance integrating new outlets to position us for the digital world all the while sharing our love of community and protecting the ones we love.
In May we launched the Hermann Sons Life App that allows members to stay connected daily. For the Camp and Dance parents this will be a great way to stay up-to-date with their child’s experiences and memories with Hermann Sons Life.
Our social media platforms such as Facebook will continue to contain content with life insurance related topics that will tell the world about Hermann Sons Life. The posts will engage you, create action to share our good news and commitment to community, highlight our living benefits, or perhaps they will make you think of someone you know who needs financial protection for their families.
Recently you have found fun Camp videos posted to our official Hermann Sons Life YouTube channel that many of you have commented gave you a dose of nostalgia about your Camp days as a child with us.
Our LinkedIn platform has been used to cast a web for potential candidates interested in being a Regional Sales Manager on our amazing Sales Team. The Instagram platform is being utilized for fun content and we are continuing to implement and research the possibilities for all of our social media platforms and their unique demographic user types.
There will be many exciting new projects on the horizon as we journey through the rest of the year. I can’t wait to share them all with you in time. This is an exciting season of growth for our organization. There is much to look forward to. The Marketing Department has many components and possibilities. While there will be objectives, projects, goals and experiences new or familiar, I am confident that the team is committed to our members and the financial stability that has carried us for 159 years.
Please embrace, engage, support and share our journey on our digital and social media platforms.
Thank you for being a member.
You are and always will be our most valued social ambassador.
If you’ve been thinking about what to do with your government stimulus check, a Hermann Sons Life annuity may be the answer.
If you do not qualify for life insurance for health reasons or if you are looking for that important piece of the retirement planning puzzle, annuities can be part of the solution.
Hermann Sons Life annuities earn a current over guaranteed minimum rate of interest, so your principal is safe no matter the swings in the investment market.
Our 5-Year Surrender Period Flexible Premium Deferred Annuity is currently paying 2.3 percent.
The 9-Year Surrender Period Flexible Premium Deferred Annuity is currently paying 2.5 percent.
Surviving spouses can elect to perform a spousal rollover of a deceased spouse’s annuity and continue the path to a sustainable retirement income plan. Annuities can also provide a death benefit function outside of probate if funds are immediately needed for debts and final expenses.
Discuss your options with your tax professional before speaking with one of our agents who is certified to sell annuities.
Life insurance (and even annuities) serves as the "fail-safe" that provides the funding needed to carry out a family’s financial plan in the event of an unexpected death. Without this fundamental pillar of protection, any financial plan is at best a "cross your fingers and hope" wish list.
Simply put, life insurance is like an American Express card — you should never leave home without it.
It is generally accepted that there are five types of people who need life insurance the most:
• Individuals with financial dependents
• Individuals who have entered into joint financial obligations with others
• Individuals who have financial plans in place for the benefit of others
• Individuals who have a predisposition to adverse health conditions (due to heredity or genetics)
• Individuals with dangerous jobs
Individuals with financial dependents
The first category of people who absolutely need life insurance is those with dependents of any kind. This includes married couples where one spouse is the breadwinner, a single parent or a two-worker household where the loss of one breadwinner would cause a significant financial burden and lack of resources.
Another prominent, but less recognized group of people in this category is homemakers, as their untimely death can create unforeseen costs for childcare.
Other candidates could be married or single family members who support elderly parents or other loved ones.
Lastly, candidates could include benefactors who consistently and significantly support causes and organizations that are dear to them.
Individuals with joint financial obligations
Joint debts entered into by spouses are a prime example here. If you and your partner own a home together, life insurance will cover your housing costs in the event of your partner's untimely death.
Individuals in this category can also include unmarried couples who jointly enter into leases, car financing arrangements and even mortgages on a home or income-generating rental property. This same type of arrangement can also exist between a parent and a child, siblings or close friends.
You should also get life insurance if you've co-signed for some other types of debt, like a student loan or consumer credit debt, to protect your co-signer from having to foot the whole bill.
Lastly, business loans personally guaranteed by an individual or among business partners can create joint liabilities. Often known as “key man” insurance, it allows the payoff of a business loan, or the buyout of a partner’s share of the business.
Individuals who have financial plans for the benefit of others
This is where the concept of life insurance being utilized to "complete the plan" comes into play.
Many parents want to engage in some sort of college planning for their children. They should consider things such as the types of schools, the funds available for college saving, the investment vehicles available to execute the strategy (i.e. 529 Plans, after-tax investments, etc.) and the timeline for investment.
Life insurance is a tool to ensure that there's adequate coverage in place to fund the plan. If one or both parents die next week, life insurance means there will be funds forthcoming to ensure that college is paid for — or, in other words, the plan is completed.
The same deal would be contemplated with respect to retirement planning between spouses. The point is that if you have a financial plan that is for the benefit of someone other than yourself, having adequate insurance to fulfill your contributions to that goal is prudent to ensure that the plan is executed in the event of your untimely death.
Individuals who have an adverse genetic predisposition
Our agents are taught to perform a field underwriting function when completing life applications with clients. There is a requirement to make inquiries about the general health profile of not only the prospective insured, but his/her immediate family within one degree (i.e. children, siblings and parents).
If illnesses, such as certain cancers (e.g. breast, ovarian, prostate) or medical conditions (hypertension, high cholesterol or diabetes) come to light, they should initiate a discussion about life insurance not only to address need, but also for the purposes of securing the client's "insurability" or ability to get and keep affordable insurance while they are healthy or haven't manifested any potential symptoms that may be indicative of such illnesses or conditions being inherited.
Our Insurance Protection Rider allows clients to add additional insurance protection up to six times in their lives (between the ages of 25 and 40) without proving medical insurability, no matter what the current medical status may be.
Individuals who have an inherently risky occupation
Way too often we find that police officers, firefighters, corrections officers and emergency responders are sorely underinsured. They perform extremely dangerous jobs where the prospect of not coming home at the end of a shift is very real. Many rely only on the minimum group term coverage offered by the governing body for which they work. Having adequate coverage brings more peace of mind to not only the client as he or she walks out the door, but their family as well. Hermann Sons Life, with its local community facing values, could be a perfect choice for our public safety professionals.
Call the Home Office and we can put you in touch with an agent who can discuss your options and help you find the life insurance plan that best suits your needs – no matter which category you are in.
It is with a heavy heart and much anguish that I must inform our membership that the decision has been made to cancel Hermann Sons Life Camp for the summer of 2020.
Our first priority is the health of our junior members and their families. During this unprecedented time, while we believe that Camp is needed more than ever, even with the strictest of protocols perfectly applied there is nothing that can be done to eliminate the risk of exposure to both campers and staff to the COVID-19 virus.
We understand that this decision will not be popular with many of our junior members and their parents and grandparents. We understand that many of you will point to Governor Abbott’s announcement on May 18 that declared summer camps could open on June 1.
This significant decision was not made lightly.
After reviewing the American Camp Association’s field guide to running a camp during the COVID-19 pandemic and the State of Texas’ guidelines, it has been determined that the restrictions that would be placed on our campers, counselors, senior staff, medical and kitchen staff make the operation of a summer camp impractical at this time.
The camp we would be able to run is not the camp that our campers and their families have come to expect at Hermann Sons Life Camp. This camp would be very different.
In 2002, after the 9-11 attacks, camp for our campers was an escape from the world at war. Camp was normal. The same elective program. The same evening activities. The same arrival days. The same day to day functions.
This summer, the campers would experience not a break from the social distancing and regulations, but a continuation and extension of the social distancing that they are experiencing now. Constant reminders of the new normal world we live in would be everywhere. There would be daily health screenings. Counselors and all other staff would be wearing masks and PPE. They would not be able to choose their daily activities but would do all of their activities with their bunkmates. There would be no dance and no game night. There would be no counselor-in-training program and so much more.
Camp would not be camp.
On top of these restrictions, the guidelines placed on staff hired to work with our campers cannot be ignored when making the decision to close camp.
Assuming we would be willing to take the risk posed to the health of our campers and staff, and assuming we would be willing to operate a camp 180 degrees different than that we have come to expect at Hermann Sons Life Camp, the requirements placed on the staff are difficult to comprehend.
To operate the camp (by following the guidelines) our counseling staff would need to quarantine in camp for 7 to 10 days before the camp season begins. The counselors would be required to stay at Camp from June 25 to Aug. 8 except for supervised visits to town (while wearing masks). This would mean, 45 DAYS of no going home on the weekends, no weeks off, no Fourth of July with their friends and family. No movies. No dinners at restaurants. No family weddings. All while staying socially distanced from their Camp friends who are living in different dorms.
The role of a camp counselor is an awesome one. One of great responsibility. The added stress placed on the role of the counselor, if we follow the guidelines, would be immense and would place a burden upon the staff that is difficult to comprehend. And even more difficult to ask of them.
I appreciate that this news does not come as a welcome relief to our families. I will be scheduling a Facetime Live where I will do my best to answer any questions or concerns you may have. Please forward them to ianb@hermannsonslife.org. We will announce the Facetime live shortly on the Hermann Sons Life Facebook page.
Refunds are now being issued.
Hermann Sons Life is excited about the launch of our new Mobile App.
The App is now available through Google Play and the Apple App Store. You can create your account using the HSLH20 registration code at any time.
The App has three distinct sections – referred to as locations – the Home Office, Camp and Dance.
The Home Office section will include:
• News items including our social media posts and articles on topics of interest to members;
• A comprehensive calendar that includes upcoming events and Home Office holidays;
• A complete list of contacts for the staff and agents;
• And lots of photos from events and community service initiatives.
To protect the privacy of our campers and dancers, only their parents will be able to register for the Camp and Dance portions of the App. They have received their registration code via email.
The Camp section will include:
• Lots and lots of photos from each session of Camp that parents can see in real time;
• A way for parents to send one-way emails to their campers;
• And news items about what’s happening at Camp throughout the summer and even in the off-season.
The Dance section will include a way for parents, instructors and liaisons to communicate in real time about the class schedule, costumes, fund-raisers and so much more.
We can use the App to send what are known as “push notifications” to a group or all members. For example, if we need to let parents from Week 2 know about a change in the pick-up schedule, we can send a notification only to those parents. Or, if we need to let the entire membership know that the Home Office is closed because of bad weather then we can send a notification to everyone who has the App.
We place a high priority on communicating with our members and this new App will be another way of staying in touch with our Hermann Sons Life family.
We hope you will download the App. If you have any trouble getting started, call us at 800-234-4124 or 210-226-9261 and ask to speak to Letricia Rodriguez at ext. 231, Elaine Soto at ext. 279, Kathie Ninneman at ext. 273 or Cecily Kelly at ext. 257.
Watch and listen as Executive Camp Director Ian Brassett gives an update on plans for the summer season at Hermann Sons Life Camp. As of April 8, plans are moving forward and Ian and his staff are excited about welcoming thousands of our junior members to Camp. Parents are reminded that if we are forced to cancel one or more sessions because of COVID-19, they will receive a full refund. If, however, parents choose to cancel on their own before we make that decision, they will receive only the partial refund of $150. So there’s no reason not to get your children registered. It’s going to be a great summer in Comfort and we don’t want them to miss out on all the fun!
VIEW VIDEO
We have been carefully monitoring the COVID-19 situation as it develops.
During meetings with my leadership team, we have emphasized the importance of continuing to keep the best interest of our members in mind while insuring the safety and well-being of our staff.
To that end, we are issuing new operating procedures that will be followed at the Home Office starting today, March 19, 2020. These procedures will remain in effect until further notice or until such time as they need to be modified.
The Home Office will remain open during normal business hours of 8 a.m. to 4:30 p.m. Monday through Friday.
However, the Home Office will be closed to the public. Only employees will be allowed in the building. If you need to drop off paperwork or a payment, there is a dropbox at the side entrance of the building that faces the driveway between the Home Office and the San Antonio Home Association Building. You can reach the staff by phone at 210-226-9261 or 800-234-4124.
We will be accepting deliveries. Drivers are asked to ring the doorbell at the back door.
Vice President of Member Benefits Cecily Kelly and Manager Brenda Gunnink have implemented procedures at the Retirement Home that will insure the well-being of our member residents. Cecily also is in communication with the dance instructors about how to proceed with dance classes and recitals.
The Home Office staff is committed to continuing to serve our members with as little disruption as possible.
I know we can count on our members to pull together during this difficult time. Together we can continue our mission to strengthen communities.
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On Feb. 13, I walked the Camp facilities with Don Tymrak, Clay Haley and John Sorbel. It was a chilly day and as we walked both of the Camps, we jotted down everything we need to do and would like to do to improve the Camp for your child’s summer Camp experience.
After jotting down 190 different projects, there was a realization that we could use some help! We have a lot of projects and jobs to accomplish before the summer. John and Clay have worked hard this past winter and fall but there is still a lot of work that needs to be done.
Time and money! We all know that anything can be accomplished with time and money. Most of our projects do not take much money, but there are a number of projects that with time can be accomplished . . . and that is where YOU COME IN. I’m appealing to our members for their time and energy on Saturday, April 18, from 8 a.m. to 4:30 p.m.
We have jobs for both skilled and unskilled folks. We have jobs for the young and old. We can provide community service hours. If you need a place to spend the night, just let us know! We can open up a couple of dorms.
Please RSVP for the Volunteer Work Day by emailing jwsorbel@yahoo.com or by calling 830-995-3223 or shooting a text to 909-362-9058 with the name of the volunteer. We need to know if you have a certain skill set, whether or not you will be staying for dinner and if you need a place to sleep.
In addition to providing lunch, we are making arrangements for happy hour, a barbecue dinner and live music for all those who volunteer their time. Agent Brad Klein, who also happens to be a musician, is making arrangements for the musical entertainment and he has assured me that there will be both kinds of music - Country and Western!
If you cannot volunteer for the day but would like to come for dinner and listen to the music, that’s OK too. Cost will be $15 for adults and $10 for children ages 8 to 15.
SPREAD THE WORD among all the members you know so no one misses out on this opportunity to help improve our Camp facilities.
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I am very excited to announce that Pamela Nentwich and Keaton “Skittles” Trainer will be the directors at Riverside and Hilltop camps this upcoming summer Camp season. John Sorbel has also accepted the role as assistant director at Hilltop for 2020.
Keaton performed exceptionally last summer as he assumed more than simply the assistant director’s role at Hilltop. Keaton was a camper and worked his way up through the ranks at Hermann Sons Life Camp. He took part in the Counselor-in-Training program, became a junior counselor, then a counselor and then a senior counselor. Last summer, Keaton excelled in leading a short-staffed team through a very successful summer camp. Under his guidance, the senior counselors grew throughout the summer.
In the off-season Keaton is a student at the University of Texas at San Antonio.
This summer will mark Pamela’s 34th summer employed by Hermann Sons Life Camp. She started as a horseback and trampoline/tumbling counselor and kitchen worker in 1985. Over the years, Pamela has served Hermann Sons Life Camp as an office clerk, head cook, maintenance worker, senior counselor, assistant director and 13 summers as the Riverside Camp director. Some of Pamela’s favorite memories of Camp come from her five years as a camper when she learned how to swim and canoe.
When Camp is not in session, Pamela is a math teacher at Hill Country High School in the Kerrville ISD. Pamela is also active at Immanuel Lutheran Church where she currently serves as the Church Council president.
I continue to interview and hire staff for next summer.
I have already hired several counselors including some from overseas. This will be an incredible benefit to the campers in terms of the cultural exchange that will occur. We already have staff coming from New Zealand, Australia, England and the Republic of Ireland.
If you know someone who is 18 and older and you think they will be great at Camp – have them apply! They do not need to have Hermann Sons Life Camp experience. They need to be good people. They need to be role models to our incredible campers. They need to be willing to work hard and put the needs of the campers first. They need to pass the extensive background checks.
I am still interviewing CIT-1s. Many parents will have received their letters recently on how to enroll their child. Enrollment begins on Jan. 1. After the New Year I will continue the process of interviewing CIT-1s until all of the slots have been filled. It’s not too late to send in the application and request an interview. The slots are filled on a first-come, first-serve basis.
Merry Christmas!
I am excited to announce that for the summer of 2020 we are adding a mini-camp for members ages 8 and 9. This special session is planned for July 1-3.
In my many conversations with parents and grandparents there is often a reluctance to allow their child to attend Camp for a full week at a young age. In 30+ years of camping, I know that sending a child to camp for the first time is a big step for both the camper and parent.
While first time campers at a younger age often do much better than campers starting a camp experience at an older age (12 and 13), we understand the concern. It is also very common that campers are ready for camp at least one year sooner than parents are ready to send them.
Our mini-camp was created for these first-time campers. Campers ages 8 and 9 who have not attended Camp before and maybe not even had a sleepover at a friend’s house are invited to this special session.
This two-night summer camp experience will be designed to give these campers an easy step up on to the Hermann Sons Life Camp ladder. Guided by experienced camp leaders and awesome camp counselors, our mini-campers will have a blast.
Unlike our regular Camp program, the mini-camp program will be co-ed. The camp program will be held at Hilltop. The campers will obviously be in single gender dorms and will sit by dorm in the dining hall and many of the daily activities will also be single gender.
The mini-camp daily program will also be dorm-structured. The campers will travel to and from their activities with a counselor. They will be supervised 24/7.
We will be offering our campers a wide variety of activities throughout the second day that will range from crafts to sports, from recreational swimming to GaGa.
Our goal is to provide the campers a sample of what a full-time Hermann Sons Life Camp is like with as many activities crammed into the program day as possible.
During the mini-camp we will also have free-swim, capture the flag, campfire (with s’mores) and a dance/game night.
It will be an exciting and fun-filled two-night adventure. The best news is that 9-year-old members, if space allows, will be able to enroll in a full-week Camp session later in the summer.
Cost will be $120. More details on how to enroll will be made available early in the new year.
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In September, we watched our television screens as Southeast Texas was once again inundated with torrential rains from yet another tropical storm. Tropical Depression Imelda struck Southeast Texas over several days during the week of Sept. 16 and dumped more than 43 inches of rain in some areas, leaving more 800 people in shelters throughout the region.
If you were like me, you were wondering what can Hermann Sons Life do to help these poor people?
Before the rain had even stopped, Vice President of Member Benefits Cecily Kelly had set in motion a plan to do just that.
It soon became evident that the Southeast Texas Food Bank was the place where we needed to concentrate our efforts. The food bank was among the first disaster relief organizations to respond.
It began its relief effort by supporting a shelter at the Beaumont Civic Center with food and water totaling more than 9,000 pounds.
After that, the food bank began supporting affected communities by bringing products to a centralized location and having residents drive through to receive food. To date more than 50,000 pounds of food and water have been distributed throughout Southeast Texas.
Donations are needed to replenish supplies so that the food bank and the food pantries and meal sites it works with can continue to meet everyday needs and respond to future disasters.
Lodges and individuals can make monetary donations that will be sent to the Southeast Texas Food Bank. This food bank is located in Beaumont and serves eight counties in the area where much of the flooding occurred. The Home Office will also make a donation.
Lodges and members can send donations to the Hermann Sons Life Home Office in care of Jacqueline Klein, P.O. Box 1941, San Antonio, TX 78297-1941. Make checks payable to Hermann Sons Life and note in the memo line that the donation is for Disaster Relief.
Deadline to make a donation is Nov. 1.
Like it has for more than 150 years, Hermann Sons Life members are there for each other and our neighbors. Please join me in lending a helping hand to our friends in the Beaumont area.
For past Hermann Sons Life campers, the Counselor-in-Training Program is the first step on the path to becoming a counselor at Hermann Sons Life Camp. It is so important for us to “grow” our own staff and this program was developed specifically with that goal in mind.
The CIT-1 Program for 2020 is for past Hermann Sons Life campers who will be ages 15 and 16 (as of Sept.1, 2020) who wish to be considered for the first level of the CIT Program. The application can be found at https://www.hermannsonslife.org/counselor-training-application.
Being a CIT is a combination of summer camp and work.
The CIT Program will focus on leadership training and give participants the opportunity to demonstrate those skills. We will be teaching you about camper behavior and group management skills. We will discuss the importance of being there for a homesick camper and giving you some tips and tricks to help a camper get the most out of their stay.
We will also be showing you what it means to be a staff member. Just like all staff members, as a potential staff member you will be peaking behind the scenes of what makes the Camp tick. You will be helping in the Dining Hall and you will be helping with the preparation of the evening activities.
HOW TO BECOME A CIT
This year and moving forward there will be NO CITIcamp weekend. Potential CIT-1s will be interviewed by the Executive Camp Director (that’s me).
There are three steps for the potential CIT to take.
The FIRST STEP is to complete an application.
Reminder: The application can be found at https://www.hermannsonslife.org/counselor-training-application
The SECOND STEP will be an interview with the Executive Camp Director. Approximately 150 candidates are expected to interview for a limited number of spots. Be sure to request an interview time slot as soon as possible since so many interviews must occur in a short amount of time. Go to https://calendly.com/ianbrassett/hermann-sons-life-interview?month=2019-08 to schedule your interview. For your convenience, the interviews will be scheduled predominantly via Skype and FaceTime or Google Hangout. Please make sure I have the correct contact details for the interview.
The THIRD STEP is to get three professional (not family member) references. This can be teachers, coaches, clergy, etc. You can simply have them go to https://www.hermannsonslife.org/camp-staff-applicant-reference. Please make sure they list you as the applicant! Letters of recommendation can also be mailed to Camp. Please do not send the same reference in multiple ways. If mailed to Camp, please send to: Hermann Sons Life Camp - CIT Program Admissions, P.O. Box 629, Comfort, TX 78013
For many of you, this will be your first “interview.” To assist you in your preparation for the interview, I have listed below some of the questions you may be asked.
• I will be asking you questions on your experiences as a Hermann Sons Life camper.
• I will be asking you why you would like to be a CIT.
• I will be asking you about your favorite counselor and why he/she was your favorite.
• I will be asking you about what skills you are bringing to the table.
• I will be asking you how you would go about helping a homesick camper.
While I will have other questions, remember the purpose of an interview is for me to get to know you… and for you to know me and what it is you will be doing at Camp next summer. Please do not be afraid to ask questions.
It is important to set the right tone, so please be punctual. I will call you at the agreed upon date and time. If you cannot attend or something “comes up,” please let me know ASAP. My cell phone number is 909-362-9058.
While I do expect your parents to be aware of the process, I do hope the CIT applicants will be the ones who complete the application, send for the references and set up the interview. While I fully expect the parents to help their child, I’m looking for responsible individuals for this program.
Successful applicants will be invited to enroll in the CIT Program in late December/early January. Spaces for successful CIT-1s will be allocated on a first-come, first-serve basis. The cost of the CIT program is $190 for the week.
Please email me at ianb@hermannsonslife.org if you have any questions.
CIT-2s
Successful CIT-1 candidates in 2019 will be receiving an invite in late December/early January to enroll in our CIT-2 program. We are excited about the prospect of having you continue the process of becoming a counselor. CIT-2s will be eligible to become, at no charge, certified lifeguards. The cost of the program is $180 (same as last summer) for the first week.
CIT-2s, if they become certified lifeguards, will be eligible for an additional two weeks in Camp (paid).
CIT-2s are also eligible to work at Camp in the kitchen for an additional two weeks (paid).
JUNIOR STAFF
Successful CIT-2 candidates in 2019 are invited to apply to become Junior Staff members in 2020. We have raised the salary for our Junior Staff members in 2020. It is possible for our Junior Staff to make even more money by becoming certified lifeguards (we’ll pay for the certification) or work in the kitchen. Junior Staff members were exemplary last summer and we certainly look forward to having more Hermann Sons Life campers grow into productive staff members in 2020. They are welcome to work in Camp anywhere from two to six camper weeks.
The application for all 2020 staff members is online. Click here.
To view results, click here
Thanks go to the parents for entrusting us with your children. To the campers, I have to say that I was really impressed with the friendliness and politeness you displayed. It was refreshingly awesome.
While the summer was successful, with the majority of the campers thoroughly enjoying their stay with us, we want to do better! In order to accomplish this, each camper completed a survey on Friday night at dinner. As a follow-up, we also e-mailed all of the parents after their child’s stay with a survey and received a healthy 539 responses. Thank you.
It is important that we listen to the consumers and customers of the Camp. We want the Camp experience to improve. We want the Camp to grow.
Before my first summer at Hermann Sons Life Camp I spoke with many parents, grandparents and staff. Based on those conversations, we made some changes.
Some of the biggest changes were:
• Arrival day was streamlined.
• More photographs were posted online for the parents.
• We added a second evening activity to bring the boys and girls together (Game Night).
• We converted the Hilltop Dining Hall to cafeteria-style with the campers sitting by dorm with their counselors.
Your feedback will help us steer the Camp forward and hopefully improve the quality of the summer camp experience for both the campers and parents.
Camp is an important part of Hermann Sons Life. It has been awesome to meet the many parents and grandparents who attended Camp and are experiencing Camp again through their children and grandchildren.
Traditions are important, however there does need to be an understanding that the children of today are not the same as they were in the 60s, 70s and 80s. We need to provide a Camp that they want.
So what are some of the results of the surveys?
The campers and parents were asked to rate several categories on a scale of 1-5 with 1 being the worst and 5 being the best.
Overall Camp Experience
• The campers rated the Camp a 4.55/5.00.
• The parents rated the Camp a 4.43/5.00.
Evening Activities
• The campers rated the evening activities a 4.58/5.00.
• The parents rated the evening activities a 4.42/5.00.
The Counselors
• The campers rated their counselors a 4.70/5.00.
• The parents rated the counselors a 4.58/5.00.
The Food
• The campers rated the food a 4.24/5.00.
• The parents rated the food a 3.99/5.00.
Below you will find other results from the camper surveys about Camp, the activities, the food and the counselors.
I’m currently reading every parent survey. I will be calling a number of parents to discuss their surveys (as requested). As we proceed through the off-season, we will be bringing you updates on the 2020 summer Camp experience.
Some changes that we will be looking into:
• The Board approved the purchase of a bus. The bus helped with transportation of campers for both the Dance and Game Night. Moving forward, it will also help with transportation of the campers to and from Challenge and Climbing and it also opens up the possibility of adding Fishing and Canoeing to the schedule for the boys.
• Based on an overwhelming response to our parent survey (more than 80 percent), we will be allowing 14-year-olds to attend Camp starting in 2020. This will require some tweaking to the beads given however, we are excited to allow campers to enjoy another summer at Hermann Sons Life Camp. This will also allow us as a Camp staff to talk to (and evaluate) the 14-year-olds about joining our counselor-in-training program.
• We will be working on Riverside Camp and spending capital and labor improving the bathrooms/showers.
• We will be tweaking the application process for counselors-in-training for the 2020 Camp season. More information will be forthcoming soon to all eligible campers.
• We are looking into a variety of tweaks to further improve the parental experience including an app for sharing photographs during the summer, the hiring of a designated photographer to improve the quality and quantity of photographs, making the health form an online fillable form, and more.
I would again like to visit as many lodge meetings as possible during the off-season. I enjoyed meeting the parents, grandparents and campers. I can be reached at 830-995-3223.
I thoroughly enjoyed my first summer at Hermann Sons Life Camp and look forward to many more.
For Hermann Sons Life, “We Strengthen Community” is not just a motto. As a member benefit society, we exist to serve our members and communities all over the state.
In 2016 we adopted grief support as our focused service cause. Already known for our awesome Camp, it only made sense to find a partner and offer a Grief Support Camp to children dealing with the loss of a loved one.
In 2017 we made a connection with the Children’s Bereavement Center and the first Grief Support Camp was held that summer. There were 38 children at the session that year. The number jumped to 64 for 2018.
At a meeting to plan the 2019 session, we learned that the Children’s Bereavement Center was actually at a point three years ago where it was looking for a camp to partner with. God truly had a hand in bringing us together and we have enjoyed this partnership and hope to continue it for years to come.
The goal of the program is that the campers do not have to pay to attend. Support from our lodges and members made that possible for the first two years and we are eternally grateful. But the fund-raising must continue on an annual basis.
For this year we have planned the Healing Hearts Casino Night. It will be held May 4, Join Hands Day, at Hilltop Camp in Comfort. I am overwhelmed with the outpouring of support from lodges, individuals and merchants that have already come forward to assist us in this effort. They have paid to sponsor one of the gaming tables and donated some truly awesome prizes.
We decided to hold the event at Hilltop Camp for two reasons.
First, this way we don’t have to pay to rent a facility. That means more of the money raised will do directly to the Grief Support Camp.
Second, we are making an effort to hold fund-raisers like this one in communities all over the state – not just in San Antonio where the Home Office is located. Where better to hold an event benefitting our Grief Support Camp than in the community that supports our Camp year-round?
Only 150 tickets will be sold so that there is plenty of room for everyone. We are hoping for a sell-out so buy your tickets NOW! For $50 you will enjoy a steak dinner and receive $1,000 in playing chips. A cash bar will be available and there will be door prizes and a silent auction.
You can purchase tickets by going on our website, click here. You can also make a donation to the Grief Camp directly on our website, click here.
We are looking forward to having a fun night of games and fellowship to raise money so children who have lost a loved one can take part in a truly unique experience this summer. Please plan to join us!
The summer is fast approaching and that means it’s almost time for the first session of Hermann Sons Life Camp for 2019.
Before long we will be working with your most precious possessions. I will be assuming the ultimate responsibility for each and every child enrolled at Camp. I do not take the weight of this responsibility lightly. Our primary goal at Camp will be our campers’ HEALTH AND HAPPINESS!
I’d like to discuss a few things happening at Camp at the moment in preparation for the summer.
Staff being hired
Hiring is happening on a daily basis! While hiring is going nicely, and from what I’ve been told slightly ahead of schedule, we do have positions available for counselors, maintenance and kitchen staff members. If you know anyone who is looking for employment this summer, let me know! The minimum age for counselors is 18. The minimum age for maintenance and kitchen staff is 16. You do not need to be a member to be employed by the Camp. Spread the word!
The great news is that most of our nursing positions have been filled. I’m still looking for a volunteer for our medical staff for the Grief Support Session and a position for Session No. 7.
Time to get some work done
When a facility is not used on a daily basis, it needs more “tender loving care” to get it back to the level we want for our campers. For that reason, our new President and CEO Eugene Zollinger during a tour of the facility suggested a work day! We’re inviting our members (and non-members) to Comfort on April 27 to help us give the facilities a jump start to being ready for the summer.
We’ll still be bringing in staff to help us during the immediate pre-season, but there’s more than enough cleaning, yard work and painting to go around! Please join us!
If you plan on attending, we’ll be meeting on the Riverside Camp at 140 Altenheim Road at 7:45 a.m. After a morning’s hard work, we’ll have lunch (hot dogs and hamburgers and the fixins’) to prep us for the afternoon’s work. Middle and high schoolers can earn eight community service hours. Please RSVP to ianb@hermannsonslife.org.
Generous donations received
The Hermann Sons Life Camp family has been extremely generous in helping the Camp prepare for the summer. The Board of Directors has been fantastic and has responded greatly in providing the Camp with some excellent assistance in the off-season. The work has included a new sidewalk to the Eagle’s Nest, bat proofing the facility and bat houses for both sites and revamping and paving the tennis courts on Riverside. We have purchased new warmers for both kitchens and new steam tables for the dining halls. We’ll be getting a new popcorn machine for a Tuesday snack for both Riverside and Hilltop and so much more!
Thanks to the Kurtz family, there will be two brand-new rocket launchers on both campuses. Thanks go to the Kelly and Sorbel families for providing new furniture for the Riverside staff lounge. Thanks also to Fort Worth Lodge for providing the funding for painting the Riverside dining hall.
While there’s still more to do, I’m excited for what’s to come this summer.
Registration going well
WOW! You guys are excited based on the initial enrollment in the past couple of weeks. While the initial application process is longer than in previous summers, it will save time in subsequent years and when many of you enroll in both Camp and the Dance classes.
To the many parents who have enrolled their children in Camp for this upcoming summer season, thank you for the trust you have placed in me. For those of you who have questions, please do not hesitate to reach out. I have had the pleasure of visiting a number of lodge meetings to talk about Camp and I’d be happy to visit even more!
Casino Night coming May 4
We’ve also had a healthy response to our May 4 fund-raiser to raise money for the Grief Support Session this summer. I had the pleasure of visiting the Children’s Bereavement Center for their Spring Break Camp in San Antonio. The Children’s Bereavement Center does fantastic work with the children and I’m delighted to be working with them. Offering this session is truly a great thing that Hermann Sons Life does for the community at-large. We couldn’t do it without you.
Any help you or your lodge can provide will be greatly received. The Casino Night fund-raiser will be a fun night! I hope you can join us for the evening. Each participant will get a steak dinner and $1,000 in chips to play with. There will be many door prizes and game prizes to be won. The main winners however will be the campers in attendance this upcoming summer. Please join us!
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John Sorbel also contributed to this article.
We believe that experiencing homesickness is actually one of the true benefits of an overnight summer camp stay. Homesickness is not a bad thing!
After all, being homesick means the camper is coming from a good home with loving parents, home comforts, phones, electronics, TV, favorite meals and snacks, routine and unstructured time. Who’s not going to miss that?
Let’s start at the decision to send your child to camp. Why are you giving your child this wonderful opportunity? Often, it’s to provide your child with an opportunity for growth and fun in a safe, caring environment.
Part of this growth, a big part, is providing your child the space for this growth to occur. How can a child expand their limits while being held on to so tightly? Children need to run, fall, get up and try again. Camp is not a perfect science. That’s actually what makes it such a great environment for learning. Sometimes every day is not as good as the day before! Sometimes friends fall out and then become friends again. Learning to live in a cabin with 30 different and diverse personalities is not easy, but it teaches the children incredibly useful life skills. Camp can be especially difficult for some children if it is their first time away from home.
TIP – Try a few sleep-overs before their first year at camp.
This is your most precious possession. You must show your child that you trust them to grow and that you trust the camp staff, as professionals, to look after their best interests. It is with a large dose of assumption on our part that you did research into choosing Hermann Sons Life Camp. You looked into the camp you chose for your child. You asked questions about the caliber of staff that will be looking after your child. You made sure the camp is accredited by the American Camp Association. You learned as much as possible about the programs it offers. You learned about the policies and procedures. You read all of the literature the camp has sent you… then you decided to send your child to us!
There are various levels to homesickness. Most are fleeting. Most pass as quickly as they began. A melancholy meal or two. Some may last a day or so. Only a very few can be lasting. If your child is experiencing lasting and continuous homesickness, you will not be kept out of the loop!
We will be in constant communication with you. We will call and let you know your child is having adjustment issues. We will ask questions of you to find out the best way to care for your child – after all you are the expert and know your child best. It is not a failure if the camp calls you for advice. It also does not mean your child is in danger. It means the camp is doing everything it can to make this experience a success for your child. We promise that we will keep the parents informed. Why would they be homesick? What activities were they looking forward to participating in at camp? Do they have friends from home at camp?
Also, keep this in mind: Camps do not want an unhappy child moping around camp! Homesickness can be contagious! A good camp will work with your child. They will help get them involved in activities. They will have a bunch of counselors working around the clock to help your child integrate into camp and make friends. Friends, after all, are the biggest antidote for homesickness. This is the main reason that having a child not sitting with their peers at meals and not sitting with their counselors can lead to prolonged bouts of unhappiness and homesickness.
Camp is actually often harder on the parent than it is on the child. The camper has friends in the cabin, counselors to watch out and care for them and awesome activities to engage their mind and body from morning until nighttime. What do you have as a parent?
• An empty room?
• Time on your hands?
• A schedule that does not revolve around your child for the first time in 9 to 12 years?
You cannot simply “turn off” being a parent and stop worrying! Please, for your sanity, speak to the camp staff. Call us if you need reassurance. Ask us how your child is doing. Are they making friends? This summer we hope to be posting more photos online. This will provide you with reassurance. A picture does say a thousand words.
Unfortunately, many times campers will arrive at camp pre-disposed to having a difficult transition. Parents will unknowingly set their child up to fail or struggle in the camp setting. Here are some simple, truthful phrases.
• “The house will be empty without you.”
• “I don’t know what I’ll do without you!”
• “Try it for a day, if you don’t like it we’ll come and pick you up.”
This can continue at camp when a camper receives an email or letter at camp that says something like “the dog is pining and sitting on your bed,” “we went to your favorite restaurant last night” or “I miss you terribly.”
While well intentioned and heartfelt these letters may be, it will also instill and ensure the child will have guilty feelings if they start having a good time. “How can I enjoy this experience while my Mum (or Dad) is having such a hard time without me… I need to be with them!” I need to get out.
Tip - Send encouraging letters.
• Ask them about their new friends.
• Ask them about the activities you know they were excited to participate in.
• Tell them how proud you are that they are enjoying themselves without you.
• Remind them to help clean their area! Brush their teeth! Shower!
• Tell them that it’s status quo at home. Boring. Nothing new to tell you.
These letters will help reinforce the positivity of camp. Reinforce their growing confidence. Reinforce independence.
As a parent you must allow your children the space to grow at camp. Allow them to fall. Allow them to fail in a safe, caring environment. Allow them the freedom to find themselves. Make new friends. Find their personality. Overnight camps are adventures in learning. Its positive effect will manifest itself with lifelong skills such as strength, courage, self-confidence and self-belief.
Tip - DO NOT give your child an escape clause!
This may sound harsh, however, if you are sending your child to camp with the phrase “give it a try, if you do not like it, I’ll come and pick you up” save yourself, the camp and the child the time, effort and energy and do not send the child to camp! They will already know that you will “rescue” them. That when times get tough, Mom and Dad will help them avoid a less than perfect day. It will not matter how friendly the staff are! It will not matter how awesome the activities could be. It will not matter how many friends they made in the cabin … your child will ALREADY want to go home. Your child will mentally not want to be there, and you have already given them an out! The staff will try all the tricks in the book, but it will not help because “I’m going home, my parents promised me.”
Every homesick child is a case requiring individual attention and sincere care.
Our primary goal is to make sure campers who are experiencing adjustment issues know that they are safe and cared for. Counselors create an environment that fosters friendship development. Making a friend in the cabin is our PRIMARY GOAL. Friends are the number one cure for homesickness.
Tip – Visit the camp before the first day!
It is often the unknown that scares us the most. Change is never easy. The first day at camp can be overwhelming. The size of the cabins, the large number of people milling around. Wow! By introducing the camper to the facility ahead of day one will help allay the nerves and truly helps.
• There will be a “Getting to Know Us” Day on May 5. (More details will follow.)
• There will be Open House on June 15 this year. (More details will follow.)
• I (Ian ) will also be available over the next few months to visit the lodges and meet with campers and parents.
If you would like to discuss camp, the number is 830-995-3223. Ian’s email is ianb@hermannsonslife.org.
Together we will make this an awesome camp experience for your child!
I am excited to announce the membership growth campaign slogan for 2019 – “Generations of Service & Protection.”
The theme ties together three important words for Hermann Sons Life.
“Generations” of families have been members of Hermann Sons Life in its 158-year history. In fact, some of our members boast of having four and five generations of Hermann Sons Life membership in their families.
“Service” is at the heart of what we do as a fraternal organization. Service is what sets us apart from other life insurance companies. We serve and strengthen our communities through our outreach projects. We serve each other by providing friendship and fellowship in good times and in bad.
“Protection” is what our life insurance and annuity products provide. We have plans that protect every member of every family from the “what ifs” in life.
This campaign theme will be used throughout the year to promote new Hermann Sons Life membership and to encourage members to keep the insurance coverage they have. Bringing in new members and retaining current members will serve to make Hermann Sons Life stronger so that it can in turn continue to strengthen all of the communities it serves.
Hermann Sons Life lodges and members are asked to help us carry out this campaign by recommending new members and by continuing to serve their communities whenever possible.
Lodges will be receiving their new member campaign goal shortly after the first of the year.
Throughout the year, the Home Office will be asking members to tell us what Hermann Sons Life membership has meant to them and their families. We will feature these members in a series of testimonials that will appear in the newspaper, on Facebook and on our website. Look for the first of these testimonials in the first week of the New Year.
If you would like to be a part of this campaign, contact kathien@hermannsonslife.org or call her at 800-234-4124, ext. 273.
The Marketing Department will continue to recognize members who recognize new members but with a little change. In 2019, two members will each receive a $50 gift card in the monthly recommender drawing. That doubles your chances of winning.
You can recommend a new member by going to our website and clicking on the link at the bottom of the Home Page, by emailing marketing@hermannsonslife.org or calling 800-234-4124. There is an agent finder on the website and a list of agents appears each month in the newspaper.
Fort Worth Lodge is sponsoring a Kendra Gives Back event next week that everyone can take part in to benefit the Hermann Sons Life Grief Support Session.
Kendra Scott began making her unique jewelry out of her bedroom in Austin, according to a recent article in the Austin-American Statesman.
“I lost my stepfather to cancer, and I think having that happen to me at a young age, I realized we have a short time. He always taught me to use the gifts you’ve been given to do something good. When I started Kendra Scott, I didn’t have a lot of money, so all I could do was make product to give. But I decided I would not say no, I wasn’t going to turn somebody away who needed help. Seventeen years later it is a company policy — we will not turn anybody away. We will figure out a way to help you.”
According to the article, since 2010 Kendra has donated more than $25 million to charities across the country.
“I look at our top-line revenue, but I’m also looking at my give-back dollars every day. That number is like the most important thing to me because the more we’ve been able to grow, the more we’ve been able to give,” Kendra stated.
This is not the first time Kendra Scott has hosted a Kendra Gives Back event for Hermann Sons Life. Last year a “Kendra Gives Back” party was held at The Quarry Village store in San Antonio to benefit the Grief Camp Session.
The event will be held Monday, Dec. 10, from 5-8 p.m. at the Fort Worth University Park Village store at 1612 S. University Drive.
While the event is in Fort Worth, anyone can participate by calling in an order! Visit kendrascott.com to view collections. To place an order, call 817-484-5580 between 5-8 p.m. and be sure to mention Hermann Sons Life Grief Support Session.
Kendra Scott will donate 20 percent of the proceeds to the Grief Support Session.
The Grief Support Session is for children ages 6-17 who have lost a parent or sibling and is held during the summer in Comfort. The half-week camp session provides an opportunity for children to enjoy fun activities with other children like themselves who are grieving from a devastating loss. Children experience a therapeutic side during their stay, too. Therapists and volunteers from the Children’s Bereavement Center of South Texas lead campers in group therapy healing circles by age group, they provide opportunities for full-group therapeutic activities and more.
Morgan Steubing is a past camper who lost her sister, Rylan to illness.
The teenager said, “The impact those three days had on a broken heart is indescribable, and even though grief is a never ending journey, the Grief Support Session made me realize that I had others walking that journey with me, and that is priceless.”
Kendra’s philanthropic approach of giving back and making a positive difference in the community mirrors that of Hermann Sons Life, “We strengthen community through financial protection and service.”
In Kendra’s spirit of giving, please consider placing an order. It’s a perfect opportunity to do some Christmas shopping and donations make it possible for children to attend the session free of charge.
Fall is certainly in the air and a wet one at that! At lodge meetings across the state, we prayed for rain all year, and now we pray for our farmers with crops still in the field and our neighbors affected by widespread flooding in the Hill Country.
I have good news! Hermann Sons Life is now paying a full 1.0 percent bonus on new 9-year annuities. The new bonus offer went into effect Oct. 15.
Agents have been sent flyers and other information about the new bonus program. Your agent can give you all the details but here’s a brief explanation of the program.
When you purchase a new 9-year annuity through Hermann Sons Life, we will pay you a 1.0 percent bonus on your initial deposit. All 9-year Traditional, Roth and Non-qualified plans are eligible for the bonus. SEP and Inherited plans are not eligible.
The current interest rate is 2.8 percent, with 1.5 percent minimum guaranteed.
Here’s an example of how this program works:
Jim has a bank CD with an account balance of $100,000, earning 1.5 percent interest, with the gain taxable as annual interest income. Jim could apply for a 9-year annuity with Hermann Sons Life. With an initial premium deposit of $100,000, he would earn a bonus of $1,000.
So with our bonus, Jim begins with a balance of $101,000, which would then earn the current advertised rate of 2.8 percent. Jim’s interest income would be deferred until he annuitizes the product, most likely paying taxes on the gain when he is older, in retirement, and in a lower tax bracket. Jim still has access to 10 percent of his accumulation value annually (after the first year) if he needs the funds for some emergency or a vacation trip. Of course, some little trinket of appreciation and affection for one’s spouse is always appreciated!
Only new money can be used for this annuity bonus offer. No internal transfers, rollovers or 1035 exchanges of funds will be allowed from existing Hermann Sons Life annuities, including matured annuities. A member could cash out an existing annuity, and then use the funds to open a bonus annuity, assuming they do not already hold a like annuity contract. All other provisions or rules of Hermann Sons Life apply.
Contact your agent or the Home Office Marketing Department at 877-437-6266 or 210-527-9113 for more information.
June 15, 2018, saw a first for Hermann Sons Life. What could that be you ask? That’s the day we decided to offer an initial bonus on our 9-year annuity products.
For years we all have seen other insurance companies advertise bonuses to attract annuity business. Many of our agents would ask periodically if Hermann Sons Life would consider doing the same. We have traditionally believed that since we offer a good solid and stable rate of return, it was unnecessary to offer a bonus rate for new annuity contracts.
But during the past year, we discussed the idea again and came up with a way to offer a bonus and still work around the administrative pitfalls. The solution allows a bonus on the initial premium deposit or contribution into a new annuity certificate. We settled on a bonus offer of one half of one percent (0.5 percent), which will be applied to the initial account balance upon opening the annuity. The larger the initial deposit, the greater the bonus will be.
All 9-year Traditional, Roth and Non-qualified plans are eligible for the bonus. SEP and Inherited plans are not eligible.
Only new money can be used for this annuity bonus offer. No internal transfers, rollovers or 1035 exchanges of funds will be allowed from existing Hermann Sons Life annuities, including matured annuities. A member could cash out an existing annuity, and then use the funds to open a bonus annuity, assuming they do not already hold a like annuity contract. All other provisions or rules of Hermann Sons Life apply. Members should seek financial guidance to determine if this is in their best interest.
Our 9-year annuity products can be established with as little as $2,500, or a maximum of $250,000 first year contribution ($150,000 per year thereafter). The 9-year plans offer a current 2.8 percent rate, with a guaranteed minimum of 1.5 percent. For a fixed annuity with no administrative or management fees, these are attractive rates with much lower minimum deposit requirements than most CDs.
So if your goal is to accumulate retirement assets with a conservative investment product that is straightforward and easy to understand, then a Hermann Sons Life Fixed Rate Annuity may be the answer. This offer is not just for members. Annuity ownership confers membership in our organization.
Many Texans are turning to annuities as their first choice for retirement savings, and for good reasons. First and foremost, with a fixed rate annuity your principal is safe, and your balance will never decrease in value. Second, unlike certificates of deposit, interest dollars that would otherwise be taxed each year are left in your account to earn additional interest. You are only subject to taxation when you withdraw funds.
Let one of our annuity certified agents show you how your retirement dollars can get a competitive yield with a high degree of safety. Transfers and rollovers from existing outside retirement accounts are accepted.
For more information call your area agent or our Home Office at 800-234-4124 for a free annuity products brochure and our Annuity Buyer’s Guide.
This 0.5 percent bonus is a limited time offer, so don’t delay.
With the end of the school year fast approaching, many children are excitedly looking forward to summer vacation. For the parents of those children, the excitement is about what to do to keep them busy this summer. Most parents work, so staying home with them is not an option, and we can’t all take a two-and-a-half month vacation. So what’s a parent to do? Hermann Sons Life Camp has the answer.
Nestled in the beautiful Texas Hill Country community of Comfort are the two sites of Hermann Sons Life Camp, one each for girls and boys ages 9-13. Our summer camp has provided an awesome experience for Hermann Sons Life members since 1954.
Parents can expect a safe, fun environment for their children in the week-long session, with a well-trained and vetted counseling staff whose mission is to provide an unforgettable, fun-filled experience for our campers.
Many life-long friendships have been kindled when campers meet and enjoy the camaraderie that our team-building and carefree activities provide. Many Texans have fond memories of summer camp at Hermann Sons Life.
Parents and grandparents who purchase a whole life product for these lucky campers are serving an important role in these children’s lives. Although it can be said that the initial reason for purchasing life insurance may be to send a child to Camp, or to be eligible for the dance program, the primary reason should be the future financial protection of that child as they grow up and leave the nest to start life as an adult.
For many parents our “kids,” whether they be 18 or 60, are still our kids. We want to provide our best for them so they can be successful in life. Buying a cash value whole life insurance plan is one head start item you can provide. Bought when a child is young and healthy, whole life provides a solid plan that earns a good rate for policy cash growth. That cash growth is what keeps premiums low throughout the life of the policy and for the insured. Our whole life plans offer level premiums that never increase.
We offer single premium whole life plans, which are the most effective way to provide life-long protection with only one up-front premium payment. The cash values grow quicker because the single premium starts earning interest right away. If budgets do not allow for a single premium, we offer similar products with premiums scheduled annually, semi-annually, quarterly or by monthly bank draft. A 20-year pay whole life plan is available, which guarantees premiums will be paid for only 20 years. After 20 years, no more premiums are due, and the insured has the protection for the rest of his or her life. These plans are available for both children and adults.
Parents should also consider life insurance for themselves. We offer whole and term life plans to fit just about every need and budget. At Hermann Sons Life, we value our 100% Families. Our agents are available to visit and discuss our products to find the right product and coverage to fit your individual and family financial protection needs.
In the meantime, feel free to use the product and needs analysis tools on our website. You’ll be glad you did. Then give us a call at 877-437-6266 or 210-527-9113. We’re here to help.
As the Community Service Coordinator for my lodge - Mission-Alamo Lodge - it’s my job to plan the lodge’s Join Hands Day project. This year I wanted the project to be really special – something that would really make an impact. I didn’t have to look far for inspiration.
After that tragic November Sunday morning in Sutherland Springs, we found out that one of the victims, Kris Workman, is a member of Mission-Alamo. I knew immediately that helping him needed to be our focus this year.
I was telling Cecily Kelly, Member Benefits Coordinator here at the Home Office and a member of Lone Oak Lodge, about my idea to do a fund-raiser for Kris. Cecily and her family know Kris from the I-37 raceway in Pleasanton. That’s when we decided that our lodges should work together on a project and we came up with the idea for the Hamburger Dinner Fund-raiser.
As many of you know, my son, Seth, is a member of the Young Marines. After talking with the other Young Marine parents, I knew we could count on their help as well.
Kris is using a wheelchair to get around so the money we raise will help him with the cost of altering his home to make it more accessible.
Hermann Sons Life Mission Alamo and Lone Oak lodges would love for you to join us so we can make this event a huge success.
It will be held Thursday, May 3, (that’s tomorrow) from 4 to 7 p.m. at the San Antonio Hermann Sons Home Association Building located at 525 S. St. Mary’s St. Just park behind the building and join us on the first floor for the Hamburger Dinner. For just a $7 donation, you can get a hamburger, chips and tea packaged to go if you would like to take it with you. Desserts also will be available for an additional donation.
Buy your ticket now
Purchasing a ticket and attending the event will demonstrate your support for Kris and his family. If you aren’t able to attend, consider sharing this blog or making a donation.
Make a donation
If you have any questions, please feel free to email me or Cecily Kelly. You can also call us at 210-226-9261, ext. 238 or ext. 257.
We thank you so much for your support!
Each summer I hire 200 staff members to work at Camp. Some of these individuals are counselors and others are members of our auxiliary staff like food service, maintenance, or they are part of our health management team.
We are still looking for individuals to join our team this summer. If you want to experience a life changing summer, complete our staff application online. Once I have received it I will contact you via email to either set up an in-person or video conference interview.
This summer will be my 11th summer to spend at Hermann Sons Life Camp as a staff member. It seems like just the other day I was showing up as a 17-year-old junior counselor for my staff orientation and here we are over a decade later.
The kids are the absolute best part of Camp. They see joy in abundance and are the reason Camp exists. Interacting with the children is the highlight of being a counselor, but there are life lessons to be learned as well.
Anyone who has worked at a summer camp, even for just one summer, will tell you that they learned some pretty important lessons during those sunny months. And I don’t mean how to make a fire or a friendship bracelet… I mean the kind of lessons that stay with you for the rest of your life. The ones that will pop up time and again, long after your summer camp career is over, in your jobs, your family and your future life.
Here are six of those lessons:
1. How to ask for help, and when.
This is one I learned pretty early on, and a lesson I deem to be one of the most important. There are always going to be things you can’t do alone, and times where you struggle, but a lot of people have this notion that asking for help is a sign of weakness. I see it differently. Camp has taught me that knowing how and when to ask for help is actually a strength. Sometimes it is important not to struggle with something on your own, when there are plenty of people out there willing and able to help. There is also a lesson in here about when not to ask for help – figuring out when you can do things for yourself is important, too.
2. The importance of a smile.
At Camp you can make someone’s day just by giving them a big cheesy grin. It can be in passing, or it can be to signal the start of a conversation. It can be to a fellow counselor or other staff member or it can be to a child who’s homesick or struggling in one of their activities. A smile goes a long way in the rest of your life, too. When you smile, you make the people around you feel good. And when you make them feel good, you’ll feel good, too. This is such a huge thing along with simply being kind to those around us. Kindness and smiles can really brighten someone’s day.
3. How to solve problems.
From small things like motivating campers to clean their area during “clean for ice cream,” to larger issues such as reorganizing every activity because of rain, you name it and I’ve probably had to deal with it. At Camp, and in life, there are always going to be problems that you can’t ignore, and it is how you deal with those problems that matters. Camp teaches you great problem solving and decision making skills that will help you long beyond your days as a counselor. We cannot always control the problems, but we can control how we react and make a plan to fix them. Learning this skill at Camp is nice because you have a great support system around to help you.
4. How to work as part of a team.
This is something that I’m sure we’ve all been taught throughout school, but there’s something about Camp that really seems to make it stick. You are thrown together with a group of people you’ve never met before and you have to figure out how to work together to make it the best summer possible for your campers. There may be people you don’t like, or people you just don’t see eye to eye with, but somehow you will find yourself learning how to come together to form a very strong team. You will learn to recognize each other’s strengths and weaknesses, so you can help someone out when they’re struggling and vice versa. I am also a firm believer that some of these team members you are working with will also become some of your best friends that you can count on for years to come.
5. How to have more confidence in yourself and your abilities.
If Camp does nothing else for you, it will teach you to have more confidence in everything you do. Whether it brings you out of your shell from someone who always sits quietly in the corner, to being the person who is singing and dancing and making speeches in front of the whole of Camp, or whether it simply teaches you what you are good at and how to go from strength to strength in that skill, your summer spent at Camp will change you forever. You will have more confidence in your abilities, you will not question your own responses to different situations, and you will leave Camp believing that your opinion is one that matters.
6. How to interact with people from all walks of life.
At Camp you will meet and work with people from all over the state, with different experiences and backgrounds. It is important to understand that not everyone has the same opinions or beliefs, and not everyone grew up in the same way you did. You will learn how to communicate and interact with people whom you may never otherwise come into contact with, and that is the beauty of Camp – it opens your eyes to what else, and who else, is out there, outside the small part of the world you may have already experienced.
What are you waiting for? We can’t wait to have you be a part of the Hermann Sons Life Camp family this year!
If you’ve worked at Camp before, I would love to hear some of the benefits you’ve experienced. Comment below!
At the “Leading with Heart” event in Seguin, I was visiting with local lodge members and grandparents who make it a tradition to buy all of the grandchildren and great-grandchildren a whole life product with Hermann Sons Life.
There was a real sense of pride displayed in that statement, and it’s no wonder; Hermann Sons Life is the best family-friendly, community-based organization in the State of Texas, but maybe I’m a bit biased.
I asked the grandmother how they pay for the insurance, and she said that they only buy single premium products. These grandparents are very smart about how they ensure the legacy of Hermann Sons Life protection for those children. They deftly avoid the scenario we all-too-often see at the Home Office.
Now what do you suppose would happen if both grandparents passed away, or found themselves unable to pay the premiums? Would the parents of the insured continue paying premiums or the insured themselves for that matter?
There are lots of unanswered questions with this scenario. There is a way to ensure that the untimely death or incapacitation of the policy owner will not be an issue, and that is a single premium whole life product.
Generations of youth begin their life-long membership as junior members of our organization. Not only do they benefit from our “living benefits,” but also some very smart parents and grandparents bestowed upon them the gift of whole life insurance. This protection for life is obtained at a young age, when premiums are low and health allows for the best underwriting conditions, providing for a premium that cannot be matched later in life.
That gift of insurance is best conveyed in our single premium whole life products. If budgets allow and funds are available, the single premium product is the best value for these reasons:
• Pay once and you’re done. No further premiums are due for the life of the insured giving the buyer peace of mind that the insured is covered.
• No early surrender charge on the initial deposit.
• Single premiums go to work immediately, earning interest and cash values.
• Competitive rates of interest. Gains are tax deferred and the death benefit is tax free. (Transfer of ownership may cause a taxable event.)
• Lodge dues are assessed, a feature of any fraternal. Your membership dues support your lodge and the great work it does in the community.
To illustrate how the cash value grows in a single premium whole life product, consider the following example. For a 10-year-old male, a $25,000 Flex Life single premium product will cost $3,335.75. Using the current non-guaranteed rate of 4.5 percent credited to the accumulation account, the cash value at age 60 could be $20,850.
That same 10-year-old who gets a $50,000 product for $6,421.50, could have a cash value of $42,723 at age 60.
The accumulation grows tax-deferred and the death benefit is tax free to the beneficiaries. Plus, there is opportunity for growth in the face value as time passes and product accumulation values increase.
In addition to future financial protection, membership in Hermann Sons Life provides living benefits to junior members by offering reduced rates for dance instruction, a summer camp for boys and girls, a day at the water park for our Shining Stars and college scholarships for our young adults.
Camp registration is now in full swing and weeks are beginning to fill! Register now and invite a friend!
If dance is more your thing, then sign up now to become a junior member and get a head start on the rush once the new dance season registration begins in June!
We have single premium plans for adults also. Leave a lasting legacy for those loved ones in your life with a gift of a single premium life insurance product, AND just by being a member, provide for the common good in communities across Texas.
Your local Hermann Sons Life agent can help explain the features and benefits of our single premium plans. Use the agent locator feature on our website or call us at 800-234-4124. Our Marketing Department folks will be happy to assist.
A Hermann Sons Life sales agent received a phone call from a parent who was unfamiliar with our organization. She had heard great things about our Camp from her daughter’s friend at school and wanted her daughter to attend. The agent responded that mom would first have to purchase a life insurance policy for her daughter; to which mom replied, “That must be a dangerous camp!” This is a true story – and proof that our combination of life insurance and Camp is truly different.
It is member benefits, like Camp, that makes us different from other insurance companies. When we return profits to our members in ways like this, we strengthen community. It is through the purchase of a life insurance certificate that one becomes a member of Hermann Sons Life. And it is almost 70,000 members that make it possible for Camp to be offered at a below-cost price. Life insurance provides valuable protection for the child’s future and in turn, the child’s membership affords top of the line member benefits, like Camp, and the ability for us to reinvest our profits into community service.
Of course, Camp is the safest of environments. Just ask Executive Camp Director Katie Miller about the precautions and safeguards we take and you will be amazed at the detailed planning and standards that are followed.
And Camp is fun and exciting for our young participants. But also, Camp makes a difference with our children. Talk to any child who has attended Hermann Sons Life Camp and you will hear stories of new things learned and new friends made. Some of the most impactful ways Camp makes a difference is through community living. Through living in cabins together, eating meals family style and sharing traditions at night like telling the positive events of the day in small groups, children gain the social and emotional skills to be strong leaders and community members when they leave Camp.
It’s all of these new and different situations Camp creates that help children to grow in such profound ways. And it is the longevity and excellent practices that are part of what make our Camp so extraordinary.
Camp and life insurance. When you look at how both strengthen community and make a difference, it is quite obvious why these are combined and why they make us a better kind of different.
I hope you will spread the word about the value of Hermann Sons Life membership and our Camp so we can make a difference in the lives of even more children.
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Last year we hosted our first ever Grief Support Session at Hermann Sons Life Camp. Forty children from across the state, members and non-members, came to our Hilltop site and stayed for a half-week camp adventure. This summer, July 8-11, we will once again hold the camp session for children ages 6-17 who are grieving the death loss of a parent or sibling. And we plan to serve even more children.
The opportunity to participate in our special camp session does not cure the grief felt by children, but it does provide support in their grief journey. It is also extremely beneficial to be in the company of other children who are on their own journeys.
When campers arrive, they get to request camp activities to participate in during their stay – activities like rocketry, ceramics, basketball, court hockey, adventures in nature, twirling and more. All campers also get to experience the magic of camp through singalongs, making S’mores, group dining and cabin games.
Children experience a therapeutic side during their stay, too. Therapists and volunteers from the Children’s Bereavement Center of South Texas lead campers in group therapy healing circles by age group, they provide opportunities for full-group therapeutic activities and more.
The Hermann Sons Life partnership with Children’s Bereavement Center of South Texas is at the core of what makes this session work so well. We are proud to provide the best in camping with the best in counseling services.
To gain more insight into the Grief Support Session, read my blog written after last year’s session.
If you know someone between the ages of 6-17 who would benefit from attending this Camp session, send us an email or share this blog. Applicants for the session will be accepted on a first received basis and will go through an interview process with an individual from the Children’s Bereavement Center.
Additionally, we are seeking volunteers to help during the Grief Support Session. Applications for this opportunity are available here. Volunteers will be required to go through a screening process as well as training for the week.
When children lose important people in their lives, it can be hard to find ways to help. This session is one way to help. You can spread the word, volunteer or donate online.
It’s here, it’s finally here! Believe it or not, Camp is just around the corner and it is time to get the junior members in your life registered for a session this summer.
I recently had the opportunity to attend the American Camp Association National Conference, which was held in Orlando, Fla. It had been 20 years since my parents had taken my sister and me to Disney. As soon as I walked in the gates at Epcot, I quickly remembered just how magical Disney is. It also immediately made me think about all of the magic there is at Camp and all the magic that is possible through our community of campers. I absolutely love that I get to be a part of the magic of Camp and hope you will consider allowing your camper to join us this summer!
Camp Registration Information
Registration information was recently mailed to the policy payors of eligible junior members. The brochure contains registration information and important summer updates.
Registration will be completed online via the Hermann Sons Life website. During the registration process, you will be able to purchase a Camp Store voucher for your child that is worth $20. These also can be purchased from the Camp Store on the first day of your camper’s session. These vouchers will be used by your child during their visit to the Camp Store during the week. Change cannot be made for these vouchers and it will be the only opportunity for your camper to use their voucher. We will encourage them to use the whole voucher and help them select items that total $20.
Parents and guardians will continue to have the opportunity to send a Skunk Note via our free one-way email service. In order to use this free service, you will need to keep the registration brochure that has your unique login information printed on it. In addition to one-way emails, this login information will allow you to view the photo gallery for the summer.
Summer Theme
This summer our theme is #choosekindatcamp. We are going to be focusing on the positive and how we can be kind to others, not only at Camp, but everywhere. At Camp we have the unique opportunity to provide campers with skills that they can use outside of Camp, and we think kindness will be a wonderful addition to those skills.
During Week 3 we will continue to have a full-camp dance, carnival and rocket launch to celebrate the Fourth of July.
Traditional Half-Week Session
This year the traditional half-week session will be held at Riverside Camp for boys and girls. We are excited about this opportunity because it will allow us to offer a wider variety of activities for our half-week session campers. Campers will still have a full-camp dance as well as an opportunity to launch the model rockets they build during the week.
Grief Support Session
We will be holding our second Grief Support Session at our Hilltop Camp July 8-11. It is available to members and non-members ages 6-17. Applications for the Grief Support Session will be available at the same time traditional camper registration begins later this month. More information about what happens at this session, how to apply to attend and how to get involved by volunteering will be included in my next blog.
Camp is part of what makes Hermann Sons Life a different kind of life insurance provider. We offer life insurance protection for families AND benefits that enrich lives. If you know a family that could benefit from being part of our community of members, be sure to share this blog or complete a member recommendation form.
Remember to be on the lookout for my next blog about our Camp Grief Support Session. It is another reason to be proud to be part of Hermann Sons Life.
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Recently I was cleaning a gun and had a problem with a certain part. Working on the tailgate of a pickup truck, the only tool I had readily available was a pocket knife. Prying on the part, the knife slipped and I cut my finger. The blood flowed and it was deep, so here I go to the local “doc in a box” to get it fixed up. What a great way to spend a Saturday afternoon!
Thinking back on the situation, I should have been better prepared.
Life is like that. One minute everything is going along nicely, and then the next not so good. Are you prepared for the unexpected occurrences that life has to offer?
This past month we mailed a postcard to more than 25,000 members over the age of 50. The postcard outlines the features of our Senior Adult Final Expense Plan. This plan is designed to not only pay funeral costs, but to cover any need after the death of the insured. It also is a possible solution for those who, in their later years, may find themselves without adequate life insurance protection.
According to the annual Funeral Price Survey, the National Funeral Directors Association found that the average cost for an adult funeral in 2017 was $8,755. Although many pre-need funeral insurance plans will pay for the basic costs of a funeral, items like a cemetery plot and monument may not be included. If the pre-need plan does not cover these costs, the family will have to pay for them out of pocket. Such unanticipated costs, usually required up front, can place a financial strain on loved ones.
The Hermann Sons Life SAFE Plan can be the appropriate plan to not only cover funeral and burial costs, but associated medical bills, credit card debt, probate fees and other end-of-life expenses. Available to persons from 50 to 90 years of age who want additional life coverage, the SAFE Plan can be used to cover any expense and is payable to beneficiaries tax free. It can be a powerful tool for distributing wealth across family generations, or may be used as a legacy gift.
Although not a guaranteed issue plan, the SAFE Plan features modified underwriting requirements that can accommodate some medical issues. This single premium plan provides a “pay once and done” feature. Only annual lodge dues must be paid after the certificate is issued. Current Hermann Sons Life members only pay lodge dues on one product, so no additional lodge dues are required no matter how many products you have.
Certificate amounts between $5,000 and $50,000 are available in increments of $1,000, so the amount can be tailored to fit each individual need and budget. The plan features growth of 2.5 percent on the face amount of the certificate. For example, a $10,000 plan grows by $250 per year while the certificate is in force. Allowing for death benefit growth, the plan keeps pace with the rising costs of funerals and associated services.
Those with investments that are meant to be passed on to beneficiaries upon death may wish to consider the tax-free death benefit provisions of a life insurance policy. Placing funds in a life policy is an appropriate way to pass on wealth to succeeding generations outside of probate, assuring your wishes are followed and wealth is adequately distributed.
Give us a call at 877-437-6266 or contact your local Hermann Sons Life agent. We’ll be glad to discuss your life insurance needs and provide a no cost needs analysis. Know that your prepared for what life has in store for you. By the way, don’t work on a gun with a knife.
We’ll see you at the Leading with Heart member event on March 17, where it will be my pleasure to recognize those lodges that met their membership goals in 2017. Bring us a referral for a new member and we will contact them right away. You can refer a new member online. Thanks for being a Hermann Sons Life member.
Our members and their lodges recently gave to help the Sutherland Springs community. Vice President of Member Benefits Kim Krueger and Community Service Coordinator Laura Adams met with Pastor Frank Pomeroy of the First Baptist Church of Sutherland Springs. The check they presented was from members in communities across Texas. The effort was similar to that which brought help to the many affected by Hurricane Harvey last year.
It’s not uncommon for companies to contribute in time of need. It is different when the efforts are led by individual members. By being a Hermann Sons Life member, you are part of a powerful network. A network is an association of individuals formed to provide mutual assistance; it is an association of individuals having a common interest. One of the ways our network is set apart from others is that our network – our community of members – is a group of difference-makers.
One of the biggest ways we make a difference is through our Camp Grief Support Session. Last year, we were able to provide support to 40 children who are on a journey to emotional healing after the deaths of family members. They attended a half-week session at our Camp in Comfort where they participated in traditional camp activities like swimming, making s’mores and camp crafts along with therapeutic activities with licensed therapists like group therapy circles and a symbolic lantern ceremony. Being a camp person, I know how beneficial the camp experience is to all children and am especially proud of our grief support program and its benefits to children.
Our network of difference-makers makes the Grief Support Session possible. The donations from lodges, individuals and affiliate groups; the member volunteers; the expertise of our Camp leaders; the relationship we have with the Children’s Bereavement Center of South Texas; and the dedication of our Board and Home Office to meaningful service initiatives are all part of the recipe to making a difference.
This month, a portion of our community of members will gather for a statewide event we’re calling “Leading with Heart.” At this event, we’re asking for donations for our 2018 Camp Grief Support Session where we plan to support even more children in their grief journeys. There is more need than ever for this type of service because of the many tragic events that have hit so many of our communities. “Leading with Heart” will have an educational component for lodge leaders and a social element, though I think what will be most meaningful will be the power of coming together that makes difference-making possible.
Invitations to our statewide event were sent to a limited group of individuals, but everyone can participate in making a difference. You can make a donation online that will go towards sponsoring children to attend the 2018 Camp Grief Support Session. By being part of the Hermann Sons Life network, you are making a difference.
It began with a simple idea. People taking care of people.
Family, friends and neighbors coming together for the common good. It happened in towns and communities all across rural Texas; on the farms, country stores, community and church halls in remote places with little more than a dirt road.
Folks didn’t travel much, because a horse-drawn wagon was slow or early automobile unreliable on rough or soggy terrain. How many of you owe your existence to the midwife who helped deliver your great-grandparents?
Whether it was raising a barn, or caring for a sick neighbor, people relied upon each other because…… well, because they had to. Life was hard enough without help, and folks banding together was the best way to get things done. People were much closer back then, in spirit if not in distance. Community social events carried special significance and everyone attended and enjoyed the fellowship, for soon it was back to a solitary existence toiling in the fields or in the factory shop.
When a community member died, everyone pitched in to help. The plate was passed and donations came in to help with the funeral and the time afterwards. The assistance did not end with the death of the member, but continued in support of the surviving family. That is how social groups like Hermann Sons Life came into existence. People taking care of people.
In today’s world, funeral and associated costs can be upwards of $15,000 or more. Although it’s difficult to raise funds to pay for such an event in this day and age, Hermann Sons Life and its affiliated lodges and members provide assistance to families with visits, handy work and inclusion in lodge activities. We began as a social safety net for members in our communities, and continue to do so to this day. Our members, singly or collectively, doing good works for the betterment of others. It’s who we are.
In addition to the human element of providing assistance, we offer solid and affordable life insurance and annuity products which helps our members pay for the modern costs of paying funeral expenses and providing for the current and future financial protection of the family. In this and many other ways, we make a real difference in Texas communities. That is the Hermann Sons Life difference.
Call us at 800-234-4124 to learn more about how membership in our organization helps Texas families and communities.
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The number of people who have never heard of Hermann Sons Life amazes me. When they learn that we are part of the larger fraternal benefit system they usually ask, “What makes Hermann Sons Life different from other life insurance companies?” My answer is always the same: “It’s our members.”
Our members are not just insurance policy holders. They are the heartbeat of our organization.
They are the members of Kirby Lodge each year bringing together their local fire and police departments as well as other municipal groups for a special Flag Day ceremony to pay respect to our greatest symbol of freedom. And they are the lodges that make possible dozens of scholarships awarded each year to junior members pursuing higher education as they prepare to be the leaders of our communities.
They are the Kypfer-Salge Lodge members who hold a Valentine Bunco Party to raise funds for the St. Jude’s Ranch for children. And they are the members of Pershing Lodge who have perfected the art of preparing and serving large amounts of spaghetti to raise funds to overcome homelessness in San Antonio.
They are the members of Harmonia Lodge who Tee it Up for a Cause and raise funds for children with cancer and brave law enforcement officers, firefighters and their families. And they are the compassionate volunteers at our Hermann Sons Life Camp Grief Support Session who are helping children cope with the loss of a special loved one.
They are the members of Houston Lodge who joined hands with other Houston groups, more than 250 strong, for a day of volunteering at the Houston Food Bank. And they are the Paige Lodge members who sponsor an annual chili supper fund-raiser to benefit their local 4-H Club.
The list goes on and on. Hundreds of giving members and thousands of volunteer hours to do what we do best – strengthen community.
We are different! And it’s because of this that we can make a real difference in communities. Life insurance helps build stronger, more self-reliant communities. And the generosity and good deeds of our members builds compassionate communities.
Coretta Scott King said, “The greatness of a community is most accurately measured by the compassionate actions of its members.” We are the Hermann Sons Life community of members – and our difference shines in communities across Texas.
It’s hard to believe but we are almost to the month of February and that means we are one month closer to camper registration that starts in the middle of March.
Since the final campers left last summer on Aug. 5, we have been hard at work making sure the summer of 2018 is an amazing one. We are excited to continue the traditions of Hermann Sons Life and add some new ideas to Camp for the upcoming summer.
This will be the first of several blog posts leading up to registration and Camp. Today I wanted to take some time and introduce the directors who will be leading our staff and campers this summer. I am very excited to be working with such a great group of directors who truly have a passion for Camp! These individuals always make the campers and their experience their number one priority. Camp will be even better this summer with the ideas and experience this group brings.
Hilltop Camp
Hunter “Papa Bear” Miller will be returning for his fourth summer as Hilltop Camp director and his 12th summer on staff. This summer Hunter will be assisted by Cole “E-loc” Bendele who will be returning for his fourth summer on staff. This will be his first year as the Hilltop Assistant Camp Director, but Cole has spent the past two summers as a senior counselor.
Hunter works full-time as a third grade math teacher at Tally Elementary in the Kerrville ISD. In addition to his classroom duties, he is the robotics coach for the school.
Cole is a junior at Texas Tech University where he is an agricultural business major. In addition to his academic responsibilities, Cole is also a member of the Meat Judging Team for the Red Raiders. Last year he was a member of the National Western winning Wool Judging Team.
Riverside Camp
Kelly “Knee Slapper” Harris will be serving as Riverside Camp director this year. Kelly has spent the past two summers as a senior counselor and climbing specialist. This will be her sixth summer on staff at Hermann Sons Life Camp.
Kelly is currently a senior at the University of Texas at San Antonio where she is majoring in kinesiology with an athletic medicine concentration. Kelly is also active in her sorority, Alpha Delta Pi, where she served as the membership education vice president in 2017.
Serving as the assistant director at Riverside will be Vicky “Tricky” Chavez. She has previously served as a senior counselor and range specialist at Camp. This will be her fifth summer on staff.
Vicky is currently a junior at Texas A&M University at College Station. She is majoring in civil engineering with a concentration in environmental engineering. Vicky is currently the treasurer for the National Association of Environmental Professionals, is a worship team leader for Treehouse, and is the top ranked female in club racquetball at A&M.
Other Directors
John Sorbel will be returning as the facilities director. This will be his 30th summer at Camp. Food Services Director Jody Zizelman will be returning for his 35th summer on staff. Maintenance Director Clay Haley will be returning for his sixth summer on staff.
I will be returning for my 11th summer at Camp, but it will be my third as executive camp director.
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For many of us, 2018 ushers in a fresh start and a new hope for something wonderfully different.
Growing up I remember not wanting to be different. Standing out in a crowd was, for me, not a good thing. It was safer to just fit in and be part of the crowd. Today it seems different is good. Everyone wants to be different.
Every day, companies task themselves with finding ways to be different. At Hermann Sons Life, we’re not different just to be different. We’re different because it makes a difference. We’ve been a better kind of different for a long time.
Our difference shines in how we operate: We put our earnings back into communities and causes, not pockets. Members get life insurance and annuity products, and in doing so, help support scholarships, our Grief Support Session, local charities and more. That’s the kind of protection you can be proud of.
All year we will be highlighting our better kind of different because it makes us stand out in a crowd. We want others to see that it is possible to choose a unique type of organization that provides the financial protection you need now, with the added benefit of helping those in need.
Make 2018 a time to share our better difference with others. Hermann Sons Life offers protection you can be proud of.
On behalf of the officers, directors and staff of the Hermann Sons Life Home Office, I wish you a very happy, prosperous and wonderfully different new year.
Over the past several weeks you may have heard advertisements regarding the negative aspects of owning an annuity. These advertisements probably pointed out the negative tax implications, restrictions on the availability of funds and the poor return on investment.
While these commercials are primarily aimed at variable annuities, Hermann Sons Life offers only fixed annuities. A variable annuity generally tracks your investment return to some stock index yield or other index. Our fixed annuity promises you an annual return that can be adjusted each year.
Hermann Sons Life annuity products are designed to work around the objections raised in these commercials, and offer good value where appropriate for persons choosing a fixed income investment vehicle.
The advantages of a fixed annuity with Hermann Sons Life are many but here are a few to consider.
Safety
A Hermann Sons Life fixed, deferred annuity provides safety of principal because our products offer a minimum guaranteed rate of interest, currently at 1.5 percent, and are a simple safe conservative vehicle for growing your money. Hermann Sons Life annuities typically are the smart choice for the risk adverse investor, offering a logical alternative to CDs. Our five-year annuity offers 2.6 percent, while the nine-year offers 2.8 percent, which are attractive rates, with much lower minimum deposit requirements than most CDs.
The investor looking to establish a qualified tax deferred annuity may do so with an initial deposit of as little as $500, or a maximum of $100,000 first year contribution ($20,000 per year thereafter).
Our non-qualified products can be established with as little as $2,500, or a maximum of $250,000 first year contribution ($150,000 per year thereafter).
Tax-deferral
Annuities, like other retirement investment vehicles, grow tax-deferred. You earn interest every year, but unlike a CD you are not taxed for it. Qualified plans, like traditional IRAs, may allow you to deduct contributions from your gross annual income, thus decreasing your tax exposure. The advantage is that your savings grow faster than they would if your gains were taxed every year.
The longer you defer taxes, the better – especially if you plan to retire in a lower tax bracket. With the anticipated reduction of tax rates and higher standard deductions (waiting to be approved by Congress as of this writing), in the past this tax deferral has been beneficial to many annuity holders.
And, if in future years you prefer some other annuity product, it can be transferred to another deferred annuity while continuing its (tax) deferred status.
Stable rates
Hermann Sons Life sets its rates using a conservative approach. We strive for stability. The rate set by the company and current upon your annuity’s anniversary is the rate you will earn for the next year. Every year provides an opportunity for rate increases. But don’t forget, we can never go lower than your contract’s guaranteed minimum rate. Those close to retirement can rollover qualified plan funds into an IRA, and not worry about adverse market fluctuations or being forced to alter plans for enjoying the future because you lost part of your nest egg.
What fees?
Many retirement plans have some sort of fee structure including front-loading, annual maintenance, administrative, management and change order fees. Our only fee is a $5 check fee for withdrawals on the nine-year annuity. Our agents earn a small three percent commission on first-year contributions only, which is not subtracted from your principle.
Use as a death benefit and avoid probate
Not many people could get excited about a benefit triggered by your own demise, but annuities are famous for them. If you die while owning a fixed annuity, your money goes straight to the beneficiaries listed in your contract. The money, because you name your own beneficiary, doesn’t go through probate (the legal process), where creditors and relatives can lay claim to it. The money goes directly to your beneficiary. In addition, your spouse can invoke what is known as a spousal rollover, and your savings become their individual annuity. This does not trigger a taxable event.
Although an annuity death benefit may be a taxable event for the beneficiaries, it is a viable alternative to those who find themselves uninsurable due to age or poor health.
Retirement Income - Annuitize
Like all annuity contracts, a fixed annuity can be converted to a retirement income stream. Although this option is the defining feature of annuities, few people know about it or care about it and even fewer use it.
Annuities are a good choice to consider if you are worried about outliving your available assets. If you need the money after the first year you purchase the annuity, you can withdraw 10 percent per year penalty free during the early surrender penalty years (five or nine years, depending on the plan). This feature allows for some degree of liquidity in the first few years of the annity for unexpected or expected financial needs, such as emergency house repairs or a vacation.
If you are looking for a conservative investment which is straightforward and easy to understand, offers a fixed rate of return with safety and stability of principle, allows limited access to your funds for emergencies and provides low fees, a Hermann Sons Life fixed annuity may fit your needs.
Contact your area agent or the Home Office today, and we’ll be glad to discuss how our annuities can be a smart investment choice.
Merry Christmas everyone!
Christmas is my favorite time of the year. I love it most for many reasons. It is a time when families gather together to share a special kinship (usually over a table full of food). It is the sharing of gifts; and not just the kind with bright bows that the children love to open but the greatest gifts of love and the sharing of special traditions. It is the time when we reflect on the past year and all that made it wonderful.
It is also for all of these reasons I love Hermann Sons Life. Throughout the year, but especially during the holidays, lodges gather together to share the kinship of their Hermann Sons Life family. Generations of members share the traditions of the past and create new traditions together. And as I look back at this past year I am reminded that sharing and giving were at the forefront of what we did.
Lodges have always come together to support their communities. You can’t pick up an issue of our newspaper without reading about another fund-raiser or donation to a volunteer fire department, food bank or other community needs.
This year lodges and members also supported several Home Office initiatives.
In July we hosted our first Grief Support Session at Hermann Sons Life Camp. The generous donations of lodges, members and business associates made it possible for 40 children to receive specialized assistance in a healing atmosphere.
In August, Hermann Sons Life lodges and members responded in a big way when Hurricane Harvey struck the Texas coast. More than $20,000 was raised to help with recovery efforts.
And most recently, lodges, members and friends of Hermann Sons Life stepped up once again with donations to help the residents of the Sutherland Springs community as they deal with the aftermath of their own tragedy.
The Hermann Sons Life spirit of giving isn’t just a holiday phenomenon; it is our continuous purpose. When you choose to be a part of Hermann Sons Life, you aren’t just recognizing the importance of life insurance protection; you’re choosing to strengthen community.
On behalf of the Directors, Officers and Hermann Sons Life staff I wish all of our members a very Merry Christmas and the happiest New Year.
There’s a radio station here in San Antonio, the Cradle of Texas Liberty, which began playing 24-hour Christmas music in mid-November. I tuned in and heard the very first song they played. It didn’t sound very Christmassy (yes, it’s a word) but I figure that they were trying to ease us into the holiday spirit by playing songs which referred to the season in a subtle way.
I don’t know how you feel about it, but I’m amazed how much sooner we start the season every year. Not the true reason for Christmas, but the commercial reason. It’s in your face, everywhere, all the time, can’t get away from it, blatant retail madness. Anyone sport a black-eye from Black Friday shopping? Ding…. Round Two, now get in there champ and come out swinging! Not for me. I went hunting, and not for bargains.
Thank goodness we at Hermann Sons Life don’t have to resort to that kind of high energy sales tactics. But we do have seasons which drive our business.
The busiest sales periods are Dance and Camp seasons. Our members help with word of mouth personal referrals about our great family protection and added benefits. Those referrals turn into sales leads, which are assigned to our sales force.
It’s up to our agents to help our clients understand the true value of insurance and why it’s so important to buy it for long-term protection, i.e. lifetime members. Simply put, lifetime members are vital to the success and growth of Hermann Sons Life.
Hermann Sons Life members, we need your referrals all year long, and this “season of giving” is perfect for the gift of protection for the ones you love. Call our agents today and request a free consult and needs assessment to discover the right protection for yourself and family. Don’t wait to look into something this important. Time and fate have a way of catching us off guard.
Allow me to relate two stories, with different endings.
First, I was visiting with an agent about an application she submitted for a client, but the client canceled the pending insurance contract because of what they felt was an excessive premium due to a poor health rating.
A past member, I looked up the client in our database. I found a previous term certificate which lapsed because the client felt they no longer needed the insurance, and so quit paying for it.
Now the client was trying to buy life insurance at an older age when his health was poor. The old German saying goes, “Too soon we get old, and too smart, late!”
Second story is about an agent who recently was working with a family for their future financial protection.
A full discussion ensued of Herman Sons Life benefits and how our organization has protected Texas families for generations. A thorough needs analysis on the couple resulted in a blend of whole and term life for the adults, plus whole life certificates for each child. Four family members led to six certificates and a 100% Hermann Sons Family.
The moral of these stories is don’t put off for tomorrow what you can do today. Our agents are waiting to discuss your needs and find just the right kind of protection your family needs. It’s the gift of protection… a legacy which can make Christmases just a little brighter in years to come.
Please do something nice for a stranger this holiday season… the season of giving and goodwill to all people.
Have a Merry Christmas and Happy New Year!
One way members share their Hermann Sons Life pride with communities is through community service. Lodges participate in all kinds of community service throughout the year, but many lodges make a special effort to participate in acts of service on Make a Difference Day. One of those lodges was Cibolo. Its members found a great way to spread cheer in their community!
On Friday, Oct. 27, 12 Hermann Sons Life Cibolo members visited two nursing/rehabilitation centers in Schertz. The first was Autumn Winds Living and Rehabilitation and the second was New Haven Assisted Living and Memory Care. In addition to visiting with residents, the Hermann Sons Life Cibolo members delivered Fun Bags to each senior.
What are Fun Bags? They are goodie bags that included a jumbo print word search book, a Hermann Sons Life pen, Chapstick, a deck of playing cards and an individual package of tissues. They also include a wish for a happy fall from Hermann Sons Life Cibolo! Three Cibolo members lovingly constructed these packages before the visits.
According to member Kasey Shepherd, Gail Gray, a member of the lodge’s Finance Committee, spearheaded the community service event. I asked Gail about highlights from the day. She recounted, “We were able to have two children attend with us and the residents love children! Maezey, the little girl who visited with us, loves kitties so she was able to really interact with the residents who owned cats!”
During a recent meeting of the Grand Lodge Community Engagement Committee, a committee member noted that she likes when community service ideas are easily shareable. Because of this, I also asked Gail if she had any tips for other lodges wanting to deliver goodie bags to nursing/rehabilitation centers in their communities. Gail gave this advice: “Contact the nursing/rehabilitation center directors. Tell them who you are and what you’re trying to accomplish. Ask them how many residents they have and what would be a good day and time to come by to deliver the goodie bags. Plan to visit several different dollar stores for items. They had everything we needed but we completely wiped out several stores with the large quantities we needed.”
She further commented that they were able to complete the project for less than $250 along with generous donations from their lodge members. “It was worth every penny to see the smiles put on the residents’ faces,” she said.
Hermann Sons Life Cibolo is always very active and finds ways to involve multiple generations in their social and community service activities. Their Make a Difference Day project is just another example of how they are sharing their Hermann Sons Life pride with their community.
Hermann Sons Life has been a tradition in my family for generations. My grandfather found it important to secure the future of his entire family so the first thing he did as each grandchild was born was to visit with his agent and purchase a certificate. My twin brother Timothy and I became members when we were just 44 days old!
Life insurance is the greatest benefit Hermann Sons Life has to offer our members and purchasing it at a young age ensures better rates for a lifetime. Children who are members get to enjoy all of the Hermann Sons Life programs we have to offer just as our ancestors wanted. Children enjoy member benefits such as our Camp, Dance and Shining Star programs, the social lodge system along with great community projects and the Retirement Home throughout their lifetime. And then the life insurance product is there to secure their family’s future at the time of death. What a wonderful family tradition to pass down.
I was blessed to present my parents with their 60-year membership pins at the Stockdale Lodge holiday celebration this year. My parents, Alton and Eileen Schneider, have been active members who were members of Anton Wenzel and Louise Schuetze lodges as children. Dad reminisced about playing pool in the Rathskeller as his parents attended meetings and they both enjoyed the bowling alley as young adults. In later years they transferred to Cibolo, then Converse and are currently members of Stockdale where they moved a few years back. When they moved to a new community, Hermann Sons Life gave them a social group that made it easy to join in and make new friends. Everyone in our Hermann Sons Life communities is so inviting and welcoming when my husband Dustin and I travel the state.
My grandfather, Benjamin Schneider, was a member of Albert Kypfer, now Kypfer-Salge Lodge. Kypfer-Salge recently changed its name to honor the memory of Raymond Salge, agent and longtime member who passed away this last year. Raymond was one of my Grandpa’s close friends. Grandpa attended every meeting and social event. He was so proud when I became an employee at the Home Office.
I had my son Matthew after becoming an employee. The first thing I did was carry on the family tradition and sign Matthew up as well. He will be getting married in February and we are so excited to have a new member in our family. I have already talked to Breanna about the importance of carrying on the family tradition and plan on having her meet with our local agent.
When I present membership pins around the state I always ask members to share memories of their years as a Hermann Sons Life member. I hear many times that membership is a family tradition.
I presented my first 80-year membership pin to Martha Tauch in Flatonia recently and also presented a 60-year pin to Rebecca Maddox. Oh, the stories these ladies had to tell, especially Martha who loved to dance at the old Flatonia Hall and attend socials. Rebecca said she loved to attend events with her family.
So when you are trying to figure out a great gift for Christmas, please consider passing on the Hermann Sons Life tradition to your family as we work together to strengthen communities around the state and secure the future of our families through financial protection. The membership you purchase today is the gift that continues to give and will be passed down to the next generation.
We have officially entered my favorite time outside of the Camp season…Halloween, Thanksgiving and Christmas! I have always loved this time of year because I am surrounded by my family and loved ones. I also love all of the traditions associated with this time of year. One of my absolute favorite traditions is setting up the Christmas tree and reminiscing about all of the ornaments as they are put on the tree. This year I am looking forward to creating new traditions with my husband as well since we just got married in March.
In addition to traditions, gift giving is one of my favorite things about the holidays. Just to see others smile when they have been thought about makes my heart extremely happy. In my opinion, one of the best gifts you can ever give a child is the opportunity for them to attend Camp. Yes, Camp is lots of fun, but there is so much more that your child or loved one will gain from their session. Here are some of the reasons why Camp is the best gift you could ever give.
Children learn responsibility.
One of my many responsibilities as executive camp director is interviewing potential staff members throughout the fall and spring to see if they will be a good fit for Camp. During the interview, I typically ask if they have had any prior experiences at Hermann Sons Life Camp or with another camp. When I ask them what the best lesson is that they have learned from camp, responsibility almost always is a part of their answer. For many of our campers, their session at Camp might be their first time away from home for an extended period of time that is not with family members or a close friend. While at Camp there are so many opportunities for campers to learn about responsibility and have an opportunity to practice that skill. Each morning after breakfast everyone returns to their cabin to “Clean for Ice Cream” and each individual is responsible for a job in the cabin to help their cabin mates. Everyone also makes their own beds each day. I personally believe it is wonderful for children to have an opportunity to be responsible outside of school and home.
Children learn to be inclusive.
In today’s society it seems like every single time that you turn on the TV or look on the Internet they are reporting something horrible involving children. One of my favorite things about Hermann Sons Life Camp is that we have campers who come from all over the state (and even some from other states and countries) and from different backgrounds. Our campers are able to learn about other cultures and how to be inclusive in a safe and welcoming environment. For some children Camp may be the only place they feel like they can be themselves and for that I am so grateful. During staff development each summer we talk a lot about creating a welcoming and accepting environment for our campers each and every session. Campers and staff members are then able to take these skills back to their hometowns and schools and help others learn about them as well.
Children learn that it’s okay to make mistakes.
Unfortunately there is a lot of pressure to be “perfect” in today’s society that our children are growing up in. One of the best things we can do is teach children the importance of making mistakes and learning from them. Camp provides individuals with an opportunity to make mistakes in a safe environment that helps them become resilient and bounce back from them. Mistakes are a part of life, but if children learn what the next step is after them they are often able to be more successful in general.
These are just a few reasons why Camp is an amazing gift that you could give your child or grandchild. Sometimes during the holidays it’s hard because there is so much focus on tangible gifts, but often those that can’t be touched are some of the best. Camp is a gift that your child or grandchild will remember and use for the rest of their life. I know when I have children one day that Camp will definitely be a gift that I give to them.
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Last week it was my honor and privilege to accompany Vice President of Member Benefits Kim Krueger and Community Service Coordinator Laura Adams as they delivered $20,000 in donations to 10 volunteer fire departments and food banks that have been serving communities impacted by Hurricane Harvey.
The money came from the Hurricane Harvey Disaster Relief Fund established in the aftermath of the storm. Donations were received from Hermann Sons Life lodges and members from across Texas.
Our first stop was in Refugio where we presented checks to the Refugio and Woodsboro volunteer fire departments and the Coastal Bend Food Bank and the Food Bank of the Golden Crescent. A crew from KRIS-TV in Corpus Christi met us there so we were able to share our story with their viewers and website readers.
Also that day we made stops in Bayside, Lamar, Tivoli and Seadrift where we presented much-needed funds to the volunteer fire departments.
The next day we went to Austin where we presented a donation to the Central Texas Food Bank and then it was on to Houston for the presentation of a check to the Houston Food Bank.
We also received some good publicity about our efforts in Corpus Christi and in San Antonio. Sue Calberg from KENS 5 in San Antonio posted about the donations on Facebook. Steve Spriester from KSAT-12 News aired our interview Friday evening and also Saturday morning. We need to thank Director Suzanne Hildebrand and volunteer Alexandra Eads for helping us make this coverage possible.
Kim said, “It was so gratifying to be able to deliver these donations to these organizations that have been serving the citizens of Texas since the storm. I was proud to represent our members who made these donations possible.”
But this was just part of the story.
Back in August, immediately after the storm, the Home Office was on the scene in Rockport, one of the hardest hit towns. The Home Office bought eight generators and eight chain saws and various other supplies including extension cords, gas and oil for the chainsaws, bug spray, sunscreen, wipes and bottled water. Those were delivered to the City of Rockport.
And individual lodges made donations to other organizations and individual members affected by the storm.
“The $20,000 in donations we delivered these two days does not tell the whole story,” Kim said. “When you include the chainsaws and generators we donated in the beginning and all of the donations our lodges have made to other organizations, the impact Hermann Sons Life and its members have made is much bigger. And we are proud to do it.”
Listening to the stories of the devastation and the recovery really touched me during those two days. It was evident at one volunteer fire station the volunteer we spoke to was actually living there. Later we asked him how his home had withstood the hurricane. He shook his head sadly and said it was gone. But he quickly added that this was not about him and he did not want to complain. This was the resounding story all that day – people more concerned about rebuilding their community than sharing their own loss.
As we arrived for the Tivoli Volunteer Fire Department presentation, we searched for the convenience store Fire Chief Arnulfo Perez said he would meet us at. It soon became clear why. Just around the corner was the fire station – in ruins. At least half of the building was gone and the rest was a twisted mess.
It was clear to me then that as all the media coverage dies down and we move on with our own lives – the impact of Hurricane Harvey on these coastal towns and residents is very far from over. There is still so much work to be done. I’m so proud Hermann Sons Life realized that after its first donations there was more help needed and chose these organizations that are focused on helping others.
I overheard a group of members recently who were contemplating the most important attributes of a true fraternalist. One thought it was dedication to the lodge (attending meetings, volunteering and such) while another thought it was longevity in membership. While these are wonderful attributes and definitely admirable characteristics, my thoughts on this subject were recently swayed by a young member.
Not long ago, I listened to Marla Beam (daughter of past Vice President Mary Beam and Director Mike Beam, all pictured above) speak about the tradition of Hermann Sons being passed from generation to generation. You could tell by the cracking in her voice and the tears welling in her eyes that it was a topic of immense pride. She expressed how the fraternal pride passed on by her parents and her grandparents was life changing.
Her words propelled me back to my youth and my grandfather’s desire to share his Hermann Sons pride with me. I didn’t realize it at the time, but it was one of those life-defining moments. Of course, he was proud when I came to work for the Grand Lodge as Youth Activities Coordinator in 1982 and he would have been equally proud to see me today. But I think he was most proud that I shared his views of Hermann Sons – an organization with a history of caring and a tradition of giving.
These are the stories that compel me to share the Hermann Sons Life story with my children and my grandchildren. I am proud of my children’s and my grandchildren’s involvement in Camp and Dance and equally proud when they attend a lodge function as a family. And as I travel the state visiting lodges, I see I am not alone as I witness generations of members active in Hermann Sons Life.
How do you share your Hermann Sons pride with others? As we approach the season of thanksgiving, attend a lodge event with your children or grandchildren, invite someone to join our organization, or share your Hermann Sons Life pride in a special way with someone you love.
Unless you are the one of the few people who have enough savings to cover your final expense needs, debts and other financial obligations, you need life insurance.
You can find a lot of information about the type of life insurance and amount you need. But once you make the decision to buy life insurance where should you go for this important purchase?
Here are three good reasons to choose a fraternal benefit society like Hermann Sons Life.
Hermann Sons Life has licensed agents across the state that will personally discuss your life insurance needs and types of coverage offered. Some of our member benefits in addition to life insurance are social groups called lodges, a discount program, family fun days, schools of dance, youth camp sessions and retirement living.
Hermann Sons Life has been serving Texans since 1861. For generations, our valued members have looked to us to provide life insurance protection and financial investment opportunities. Using the same conservative perspective that has guided us for decades, our officers strive to invest in stable portfolios. The financial condition of our organization allows us to take unforeseen emergencies in stride, and to meet all obligations as they come due.
At Hermann Sons Life, our member groups across Texas do work to benefit their local cemeteries, food banks, youth organizations and more. As an organization, we focus on grief support services in a variety of ways but especially through our summer camp Grief Support Session for children. We are also there for our fellow Texans when natural disasters, like the Wimberley flood or Hurricane Harvey, strike.
Fraternal benefit societies have many advantages beyond these three, but these reasons make it easy to see why fraternal benefit societies are desirable for purchasing life insurance and why you would want to keep the protection to continue supporting your family’s financial future and the fraternal mission.
When you’re making the decision where to purchase your life insurance policy, we hope you give Hermann Sons Life the opportunity to serve you. Our products and benefits strengthen community and we want you to be a part of our community and what makes it all possible.
Did you know that sporks were invented in 1874? I didn’t before writing this article. It turns out Samuel W. Francis combined a spoon and a fork to create this special utensil. And did you know since before sporks, you could get life insurance from a company that put profits back into local communities and programs to benefit members? Of course you did! It’s called Hermann Sons Life. And like the spork, we combine two great things into something greater.
It’s not a revolutionary idea. When companies today are doing everything they can to reinvent themselves so that they can appeal to a public that believes in giving back; for us it is genuine and natural because it is who we have always been.
We provide life insurance and annuity products that give security to members and their families. But our differentiator is that we return profits to our members and communities throughout Texas. Benefit programs like our camp, retirement home and schools of dance are made possible by our almost 70,000 members.
But the true spirit of community is delivered by members of our local lodges. It is through their volunteer efforts that volunteer fire departments, community food banks, senior care centers and other entities aid communities in a variety of ways. And it is through our members’ generous donations and philanthropic attitude that we are able to offer help to communities devastated by Hurricane Harvey and healing to children attending our Grief Support Camp.
It makes perfect sense. If you need to purchase life insurance anyway, why not purchase it from a company that gives back to your community. It’s a great combination!
As we wrap up Life Insurance Awareness Month, I would ask, “Are you at risk?”
Many Americans buy life insurance to cover a need, with the vast majority recognizing that it is important to protect loved ones with life insurance. In a recent survey 70 percent agree that most people need coverage, but only 59 percent have it. Surprisingly, 41 percent of U.S. households have no life insurance at all, while more than 20 percent of U.S. households that do say they need additional insurance. More tellingly, 69 percent of owners would have trouble paying living expenses in two years or less if they were to lose their primary wage earner.
Most Americans do not buy life insurance because they think it is too expensive.
Illustrating the need for insurance, the life insurance industry pays $62 billion to beneficiaries each year, providing a tremendous source of financial relief and security to families that experience the loss of a loved one.
Deciding how much insurance is needed requires some thought and research of one’s personal finances, goals and future needs. Risk assessment is a tool used in many disciplines to evaluate needs and appropriate action to mitigate risks. The insurance industry employs risk assessment in the development of needs analysis to determine the amount of insurance appropriate for each individual.
As a 30-year law enforcement officer, specializing in crime prevention, I utilized a type of risk assessment extensively in my duties. Whether performing a physical security survey of a home or business, or looking at a public area, such as a park, for places of opportunity for criminals to victimize unsuspecting citizens, risk assessment is a useful tool to provide corrective action to remove or lessen exposure to safety or security risks.
The strategies to manage risks (uncertainties with negative consequences) typically include transferring the risk to another party, avoiding the risk, reducing the negative effect or probability of the risk, or even accepting some or all of the potential or actual consequences of a particular risk.
The same is true when considering the needs for appropriate life insurance coverage. Insurance is the classic example of transferring the risk to another party, the insurance provider. Upon the death of an individual, financial burdens to the survivors are lessened by the financial support provided by the policy/certificate benefits. Although we may delay the inevitable with healthy living habits and avoiding behaviors that could cause injury or death, all can agree that dying is a part of life.
The least desirable condition when considering life insurance protection is to accept the risk and not acquire coverage at all. This leaves an undue burden on survivors, compounding the emotional loss with the future financial burden of living.
Life insurance in most cases is not be as expensive as most Americans think. Hermann Sons Life offers financial protection plus benefits, offering additional value for our members.
A Hermann Sons Life agent will be happy to visit with you and discuss your needs and offer appropriate coverage recommendations. For anyone who would like to research their individual needs independently, we also have a very useful needs analysis link on our website. Go to www.hermannsonslife.org and click on the Products section. Choose What’s Right For Me, where you will find a Life Insurance Needs Calculator. The results of your research will greatly advance the discussion as to what types of products and coverage you may need when an agent visits.
Hermann Sons Life is proud of our heritage in providing life insurance, retirement products and living benefits for generations of Texas families. From the first San Antonio lodge in 1861 to the present, and for the future, Hermann Sons Life is here for you.
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September is Life Insurance Awareness Month. While this typically means taking the time to consider the life insurance needs of you and your family, it can also be a good time to reflect on the value of the life insurance professionals who help their clients understand different types of life insurance coverage and the amount of coverage needed.
At Hermann Sons Life, our agents play a critical role in life insurance awareness. They provide a needed service and in return they are rewarded with the knowledge that they are helping families obtain the life insurance protection they need now and in the future. Agents know the importance of providing their clients with the peace of mind that comes with being adequately protected so that finances will not be strained during difficult times.
If having this type of powerful knowledge and being able to position yourself to help others sounds appealing to you, maybe a career in life insurance is the right move for you. Vice President of Marketing Tim Kolbe recently wrote about the benefits of being a life insurance agent and what is required.
President and CEO Buddy Preuss also has written about life insurance careers and how working for a fraternal benefit society, like ours, is a great career path for young people.
As Tim and Buddy both mentioned in their blogs, not only is being a life insurance agent fulfilling but selling life insurance through Hermann Sons Life also gives members access to life-enriching programs and community service opportunities. Membership with Hermann Sons Life is meaningful on multiple levels and just by choosing Hermann Sons Life, you strengthen community.
Most of our sales agents are independent contractors working on a part-time basis. They work all over Texas and receive training and support from our Home Office. If this kind of opportunity is appealing to you, learn more on our website. You can also contact Vice President of Marketing Tim Kolbe.
From the Home Office and members everywhere, thank you to all of our agents who help members on a daily basis and who make all the benefits of membership possible.
It seems there is seldom a day when someone doesn’t ask me what a fraternal benefit society is and what makes us different from commercial insurance companies.
There is much that differentiates us from other insurance providers, but the simple answer is, “it’s the benefits!” Benefits like community social and volunteer opportunities, youth activities and our Retirement Home help members to have a better life and set us apart from others in our industry. Yet, although we are recognized for these benefits, the greatest member benefit is life insurance.
In the earliest days of Hermann Sons, German immigrants banded together to protect each other in times of need. Today, over 150 years later, Hermann Sons Life is still there to protect all Texans.
Most of us need more life insurance but hesitate because of the presumed complexity and cost or the inconvenience of someone coming into our home to discuss something unpleasant. Our agents, though, make it easier. They want to help our members take care of each other and to have a better life through the protection life insurance affords.
September is Life Insurance Awareness Month, the time to remind ourselves to plan ahead for the ones we love. So take a moment this month to review your coverage. You may have insurance through your work or feel you have enough, but this is still a good time to talk with one of our agents who can confirm your needs and help you to fulfill your responsibility of caring for your family. Let Hermann Sons Life help you protect the ones you love.
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September is Life Insurance Awareness Month. Are your life insurance needs adequately met?
Webster’s defines adequate as that which is “satisfactory or acceptable in quality or quantity.”
I think that definition sets the tone for a discussion as to the right type and how much life insurance each person requires for adequate protection. Who decides if the protection is adequate is left to each person’s perception and knowledge of the topic. So I would ask anyone reading this article, “Do you think your life insurance protection is adequate for your needs?” I want to present a few stories for illustration.
I remember calling upon a couple to write some juvenile insurance for their children. At the completion of the application process, I asked them if they would like to discuss completing a needs analysis to determine if they themselves were adequately covered. The husband replied with pride that he was working in the oil business, and had several million dollars worth of term coverage for him and his wife. He had no other life coverage other than through his employer. This was during the Eagle Ford oil run, and the future looked rosy and bright for those working in the oil patch. Alas, all booms eventually become a bust, and this gentleman was one of those more than 10,000 folks laid off when the bottom fell out of the oil business. The life insurance coverage he had was not portable and he found himself with no coverage at all.
Group term life through your employer is a perk and if provided free is a great benefit. Americans usually change professions or employers three to five times in their lives. Most group term products are contingent upon employment with that company, and is either not portable when you leave, or if portable, the premiums are much higher. Always consider having a life insurance product that you own yourself that is not subject to the whims of company benefits. Many companies do not offer life insurance, due to cutbacks in employee benefits. How will you provide for your family’s future if you should die prematurely and leave your loved ones in financial crisis?
One of my agents wrote some juvenile insurance for a single mother who wished to put her daughter in the one of our awesome dance programs. The agent discussed individual coverage for the mother during the application process, at policy delivery, and later. The mother was working several jobs and kept putting the agent off. Not long after, the mother was killed in an auto/pedestrian accident. She had no life insurance coverage. The agent attended the funeral of this mother, where she expressed her condolences to the grandmother of the child and mother of the deceased. During the conversation the grandmother told the agent, “I wish you would have sold my daughter a life insurance policy.” This affected the agent greatly, but she had done all she could to persuade the child’s mother to consider adequate life coverage. Now the grandmother had to pay for a funeral, and the child would have to be raised by family members, with no financial support. No life insurance protection is much worse than inadequate protection, and costs less that many believe. A $100,000 term policy for a 28-year-old female costs only $11 a month, and would have gone a long way in providing financial support for this child.
Hermann Sons Life, like many life insurance companies, experiences clients surrendering or allowing policies to lapse. The reasons for such are varied, but I want to highlight a few.
The parent who calls in to surrender their adult child’s coverage, saying that they are “grown up now and have their own coverage,” and don’t need this policy. Most have no idea what kind of coverage their children have or how much. Remember the prior discussion about group term life through work? Now that their child is indeed “grown up,” this policy with Hermann Sons Life should be, and is actually, part of their total insurance coverage portfolio. These whole life products were taken out when children were young and healthy, with premiums locked in for a lifetime of coverage at a very low rate, which if surrendered can never be replicated again.
These policies will be there all through the insured’s life into retirement to provide for final expenses. Many provide for cash growth that may increase the face value available upon death to the beneficiaries’ tax-free. Let me repeat, tax- free payout to the beneficiaries of the policyholder.
The last, and most baffling, excuse for surrendering that I hear is the policyholder who wants to surrender because they need the cash to pay for a parent’s funeral. The parent died with inadequate or no insurance coverage. So the current generation is giving up life insurance coverage to pay for the previous generation’s neglect to acquire adequate coverage, but is unwittingly passing on the same scenario to their children. Remember, life insurance is not for you. It’s for those you leave behind.
Buy and keep life insurance coverage for those you love, based upon your needs. We have a needs analysis calculator available on our website at www.hermannsonslife.org. Your local Hermann Sons Life agent will be glad to visit and provide a free needs analysis and insurance consult. Ask for our free Life Insurance Buyer’s Guide, available by calling 800-234-4124, or email us at marketing@hermannsonslife.org.
We’re here to help. Is your life insurance protection adequate?
Just wanted to update everyone on what Hermann Sons Life is doing to assist communities along the Gulf Coast as they begin to recover in the aftermath of Hurricane Harvey.
On Wednesday, Vice President of Member Benefits Kim Krueger, Maintenance Director Terry Haecker and I went to Rockport to deliver eight generators and eight chainsaws along with other supplies such as extension cords, gas and oil for the chainsaws, bug spray, sunscreen, wipes and bottled water.
We delivered the items to Rockport City Hall where Scott Hamilton, the father of our Underwriting Director Amy Heinsohn, is helping to coordinate a “borrow and return plan” for Rockport residents to utilize the generators and chainsaws as they begin the process of rebuilding their homes.
We used money set aside in the disaster relief fund to pay for these items.
We also are aware that many of our members are experiencing a disruption in their mail service. For members living in the affected areas, if you are concerned about getting a payment to us, please call Carol Swan at 800-234-4124, ext. 258, or Darla Howell at 800-234-4124, ext. 268, to discuss other payment options.
Some lodges across Texas are donating to areas and causes special to them. And we applaud their efforts. If you or your lodge have made a donation or taken part in some relief effort, please let us know so that we can share your story with others.
And we aren’t finished with our outreach efforts. We are accepting monetary donations from individuals and lodges. That money will be used to provide assistance in other coastal towns. We have already received several online donations and I am confident there are more to come.
Individuals and members wishing to make a donation can do so by clicking HERE or by mailing your donation to Hermann Sons Life Home Office, P.O. Box 1941, San Antonio, TX 78297-1941, Attn: Community Service Coordinator Laura Adams.
You can get updates on how your donations are helping these communities by liking our Facebook page, checking our website and the Hermann Sons Life newspaper, which can also be found online.
If you have been displaced by Hurricane Harvey and do not want your newspaper sent by mail, please left us know by calling 800-234-4124, ext. 273. You can read it online at any time.
The Hermann Sons Life Home Office staff is busy formulating plans to provide relief to the residents of Texas who have been impacted by Hurricane Harvey. “As a fraternal benefit society, we are dedicated to doing what we can to help communities in need,” President and CEO Buddy Preuss said. “There are millions of people who need our help and we can’t reach them all but we can and will do our part.” The Home Office will use money set aside in the disaster relief fund and will be accepting donations from members and lodges. “This is an unprecedented event in the history of Texas,” President Preuss said. “It will take years for our great state to recover. Our thoughts and prayers are with everyone who has suffered a loss of any kind.” Those lodges and members wishing to make a donation can do so by clicking HERE or by mailing your donation to Hermann Sons Life Home Office, P.O. Box 1941, San Antonio, TX 78297-1941, Attn: Member Benefits Department. You can look for updates on how your donations are being spent by checking our Facebook page, website and the Hermann Sons Life newspaper.
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When I was little my parents asked me, “What do you want to be when you grow up?” Like most 3-year-old little girls my response was “a ballerina.” Little did I know what the future would hold for me and my passion for dance.
As a current Hermann Sons Life School of Dance instructor, I’ve spent more than 20 years in this dance program. I started taking lessons at the age of 3 and now I am teaching lessons at the same studio I grew up in. I now have my own daughter in the dance program. She is starting her first year as a teacher’s assistant.
Dance makes many positive effects on children. Dance can help children grow physically, intellectually and emotionally.
On the physical side dance can help children with their strength, flexibility and posture. Studies show that some of the most successful athletes attribute at least some of their success to their time at the barré.
On the intellectual side dance can help improve a child’s brain function not only through their thought process but through muscle memory. Dancers become very good at learning and picking up things quickly because of how often they learn a new step or a new routine. I’ve found that teaching repetition when introducing a new step is key to teaching children. The process of repeating the step(s) until they’ve committed them to memory is a skill that dance teaches all children not just in the studio but in all aspects of life.
Dance also tends to teach children to be self-disciplined and self-motivated. Dancers grow accustomed to working in a structured manner towards a goal and it helps them realize that results never come overnight and don’t come without effort and practice. For this reason, dancers are often highly disciplined, and end up carrying this discipline over into other aspects of their lives.
The emotional side of what dances teaches children tends to be my most favorite part of dance. This is the area that made me fall so in love with the art form. It can help a shy student find the courage to break out of their shell. It can help the tiny 3-year-old with separation anxiety find an outlet where she is not scared. For a child who’s had a rough past dance is a place where she can find the courage and strength to freely express herself.
And let’s not forget the confidence discovered by every student in dance. Every child who walks into a dance studio isn’t the same, but to a teacher they are all the same. It doesn’t matter their current or past situation or the fact they might be faced with a physical or mental challenge. When you come to dance class, nothing else matters. Every child is given a chance to be themselves and express themselves creatively. To watch them step foot on stage at a recital or to see what they have accomplished many years later tells me I did my job as their teacher!
Ann P. Kahn, the former president of The National PTA, once said:
Editor’s Note: Kim Gibbins has danced with the Hermann Sons Life New Braunfels School of Dance since she was 3 years of age. She has taught dance with the New Braunfels School of Dance on and off since she was 18 and currently serves as an instructor and officer for the School of Dance.
Top Banner Photo Credit: Jenny Skelton
Tori “Yeet” Rummel was a counselor at Hermann Sons Life Camp this past summer. She shared some of her thoughts on Camp:
Haley “Hot Shot” Miller was also a counselor. Here are her thoughts:
Camp impacts lives, young and old. This feeling can be sensed in the expressions shared here by Yeet and Hot Shot. Read more about Camp or share some of your thoughts about Camp in the comment section below.
(Yeet can be seen with campers in the top picture and Hot Shot can be seen in the picture to the left sitting on the bottom right with some of her campers.)
I dropped my granddaughter off for her first week at Camp on Sunday. I never imagined myself saying those words. It seems just yesterday that my children were campers.
The atmosphere at Camp was like a gathering of friends. I visited with three past counselors and several past campers dropping off their children. I talked with parents who were apprehensive about leaving their child for their first year at Camp, and watched their apprehension melt away as they learned of the legacy of leadership at Camp and throughout our youth programs.
Having spent 28 summers at our Camp, I understand how Camp impacts lives. Parents and grandparents around the state realize too as their children return home with stories of adventure and learning. It’s the amazing Camp counselors who provide an environment where children can experience something new in a safe and caring atmosphere. For 64 years Camp has been a summer tradition for Hermann Sons Life families throughout Texas.
This year Camp touched lives in a very special way as we hosted our first Grief Support Session. Children struggling with the loss of a parent, sibling or other family member attended this special four-day session to share the experiences of their profound loss. See our newspaper for details about this incredible week of support. I wish to thank all of our members and lodges for their financial contributions and fund-raising efforts and the volunteers who gave their time and energy to make this special Camp session possible.
Camp finished for the summer on Aug. 5. But in a couple of months two more grandchildren will be starting their first year of Hermann Sons Life dance where their lives will be impacted through the lessons they learn from their instructors, through group interactions and through the performance experience.
Hermann Sons Life impacts so many lives in profound ways throughout each stage of life. This level of impact is only possible because of our loyal members who remain members and who pass on the traditions of membership.
Hermann Sons Life positively impacts lives and some of the most apparent ways we see this is through our numerous member benefits. Let’s take a look at some of the data from 2016 that makes this even more clear.
More than $125,000 in charitable donations were made by Hermann Sons Life lodges, the Home Office and members.
And even more impressive than the amount of charitable donations that were made are the 260,900 hours of community service completed by members.
2,020 members ages 3 to 17 participated in our Dance Program across our 32 Schools of Dance.
2,015 members ages 9 to 13 attended our Camp in Comfort, Texas.
50 members lived at our Retirement Home, the best deal of all of our member benefits! These 50 residents can attest to the value of their rooms, three meals a day and access to a recreation room, TV room, craft room, chapel, sunroom and outdoor areas. Resident Roland Collier has called the Home the “best kept secret” in Texas!
469 individuals participated in our Family Fun Day at Schlitterbahn last year. For a discounted rate, members and their families can enjoy a day at Schlitterbahn, including a meal, in an area reserved for Hermann Sons Life. Shining Stars attend for free!
54 children joined our hundreds of other Shining Stars and were featured in our newspaper!
265 members were subscribed to our free Member Discount Program. If you haven’t enrolled in this program yet, be sure to do so now! It’s easy and well worth it!
Dozens of college scholarships were awarded across the state from the Home Office and from lodges.
And, of course, we have 136 lodges which promote community and comradery.
Vice President of Member Benefits Kim Krueger is proud of the many high quality member benefits we offer. She said, “While life insurance is the greatest member benefit we offer, we have additional benefits for everyone that makes membership with Hermann Sons Life even more valuable.”
The numbers show an active group of members benefitting from membership and also doing good for their communities! Hermann Sons Life truly impacts lives and strengthens community.
For more information about becoming a member, contact a local agent or call our Home Office at 800-234-4124.
Does your lodge have an upcoming community service event? Would your lodge like help from our Hermann Sons Life Home Office to promote your event?
If you answered “yes” to the above questions then we need your help!
We would love to be able to share your lodge’s community service events with all Hermann Sons Life members and communities. All you need to do is send your community service event information to me so it can be posted on our website’s community service page. Complete the form and your event will be added.
You can help us even more by promoting this page with your members. You may have some junior members who need community service hours for school organizations to which they belong.
With your help providing your projects and getting the word out we can make Hermann Sons Life communities even stronger.
If you have any questions please feel free to email or call me at 888-443-3381 any time.
(Top picture: Every year Albert Kypfer Lodge hosts a bunco party with proceeds going to a local organization. This year it was St. Jude's Children's Ranch., Left Picture: This year for Join Hands Day, Twin Sisters Lodge held a food drive in front of a local grocery store. The food and cash donations went to the Good Samaritan Group in Blanco.)
It is always amazing when you are able to turn a dream into a reality. That is exactly what we did earlier this month when we hosted the first ever Grief Support Session at Hermann Sons Life Camp. I am still on cloud nine from the session because it was more perfect than we ever could have imagined.
I remember sitting in Kim Krueger’s office one day before Camp started last summer and her telling me about the focused service cause that was going to be a part of our organization and the possibility of us hosting a Grief Support Session at Camp. At the time I thought we might be a little crazy, but now I am so thankful that we took that chance and did something so amazing for our members and those in our communities.
Starting in October we began the process of planning the session with the assistance of the Children’s Bereavement Center of South Texas that is located in San Antonio. There is no way this session would have been possible without their insight and guidance since they have done grief sessions in the past. Emily, the camp intern, and Tami, director of programs, and I met many times to prepare and make plans for the session. We knew we had the Camp part of the session figured out, but it was so nice to get their input from a therapist’s perspective.
I had high expectations for the session and knew that we had a genuine opportunity to play a huge role in the grief journey of the 40 campers who were coming for the session, but little did I know how amazing the session would be. From the time the campers arrived at Camp to when they departed after our family picnic, it was just magical.
The most amazing thing about the session was that the campers simply had the opportunity to be children. Many of the campers had to grow up overnight once their loved one died, but Camp gave them the opportunity to simply be a kid again, even if it was only for a few days. Just to see the joy in their faces while they were playing warmed your heart.
Sometimes it can be difficult to talk about the special person that died because of the feelings and emotions that are associated with that. During the Grief Support Session, campers participated in two healing circles each day that were led by staff and volunteers from the Children’s Bereavement Center. For some of the campers this was really the first time they were around someone else who had experienced the same type of loss as them. In healing circles they spent a lot of time talking about feelings, how grief is a journey, and also some coping skills they can use in their everyday lives. They were able to form true bonds with their healing circles and I know those individuals are people the campers will remember forever.
One of my favorite things about our session was the family picnic we had on Saturday at the conclusion of the session. When we first started to plan the session, one of the things we knew we wanted to do was include the families of our campers and celebrate their accomplishments throughout the week. One of the most powerful things that happened during closing was everyone standing in a semi-circle around the photos of everyone’s special person and the campers getting their photo back and sharing it with their family. That moment that we took to recognize everyone’s special person was powerful. Following that, we invited families out to our amphitheater where we planted a tree in remembrance of the session and it is something we plan to do for every session in the future. Campers had an opportunity to paint a rock that we placed at the base of the tree and it will be at Camp now forever. If you are at the Hilltop site anytime soon we invite you to come and see the tree.
I am already looking forward to planning our session for next summer. Because of the generosity of our members and the many volunteers who made the session possible, we have started a tradition of something amazing for our communities. I cannot even begin to really put into words just how powerful and beneficial this session is for the young people that we love. I am so grateful to be a part of Hermann Sons Life and the decision we made to focus on Grief Support Services.
If you haven’t had a chance yet I encourage you to take a look at the video that Alex Eads put together that recaps just a few of the things we did during the session. The song in the video is by one of the campers from the session, Morgan Steubing.
Activities are one of the best parts of Camp. Campers have the opportunity to take part in activities they love as well as experience some new activities. The Camp staff is constantly working to develop new activities we think campers will enjoy. This summer we are excited to offer STEM Exploration for the first time. For those of you unfamiliar with the acronym STEM it stands for Science, Technology, Engineering and Math.
For years we have offered Rocketry at our Hilltop site but we have not really had anything similar at the Riverside site. We knew we wanted to offer a science-type activity and that is when the idea to add STEM Exploration came to mind. The idea was to mix robotics with a fun team-building challenge.
In STEM Exploration campers begin by completing a STEM challenge. This could be anything from building the tallest tower made of straws to creating the tallest building out of aluminum foil. Campers have an opportunity to be creative and work together with a small group to devise a plan.
Later in the week campers continue working with their team to build a solar-powered robot that they can then test and have small battles with.
The picture on this page is from Session 1. The campers have absolutely enjoyed the class and we hope many more campers will do just the same this summer.
With the risk of this blog becoming stale, I want to offer some final thoughts on the 47th Grand Lodge Convention held May 1-3 in San Marcos. This Convention was an active and busy event for the 260-plus delegates who were selected by you, the members. As you know, the convention is held every four years according to Grand Lodge Laws, and it brings with it the opportunity for members to voice their approval or disapproval of decisions made during the past four years and to consider decisions regarding the future, and to vote on them.
The fraternal system of governance is defined in Title 6, Section 885.051 of the Texas Insurance Code. The first requirement mandated in the Texas Insurance Code for a fraternal benefit society to operate in Texas is for it to have a “lodge system and a representative form of government.” Section 885.052 of the Texas Insurance Code further states “control of a fraternal benefit society must be ultimately vested in the membership.” What power and responsibilities the members of a fraternal benefit society have been given as convention delegates and how important their decisions, responsibilities and votes are!
The new format of educational seminars and direct discussions by management with the delegates via presentations was successful based on the comments the delegates made to me. I thoroughly enjoyed making my presentations as chairman of the Laws Committee and as your Vice President of Investments. I am eagerly looking forward to doing these presentations again in four years and hope to make them better for you!
The delegates, elected by the members from their various lodges, established new governance and a new name, thereby setting in motion a new path for the next generation. That path, your voice, has been established and it will allow the duly elected Board of Directors and the appointed President and CEO to lead Hermann Sons Life far into the future.
As stated in the previous paragraph, in order to have a “representative form of government,” our convention system has many similarities to the United States governance system, especially if one remembers their high school government classes. For instance, both the United States and Hermann Sons Life have a “representative form of government.” Congressional members are voted into office by the citizens representing the 50 states. The fraternal system has convention delegates who are chosen to attend a quadrennial convention by their lodges to elect the equivalent of Congress, your Board of Directors.
As we celebrate the Fourth of July and our independence, we can all rejoice in a U.S. Constitution which has endured since its effective date of March 4, 1789, even though it has been amended 27 times to meet the changing needs of our nation. Likewise, since Sept. 2, 1891, Hermann Sons Life’s Charter and Laws have been amended to meet the changing needs of our members. The 2017 Convention delegates were an important part of the process to insure we maintain a “representative form of government.”
Congratulations to all of the delegates who attended the 47th Grand Lodge Convention for a job well done and their diligence! I hope you and all potential 2021 delegates are looking forward to another stimulating convention and are making their plans now to be a delegate and help plan the direction of Hermann Sons Life for the next 127 years through your votes.
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Founded on the principle that we should help each other in times of need, one important way we strengthen community is through service. Service is a key distinguisher of our business model.
Lodges across the state continue to provide value to their communities in a variety of ways, including through community service initiatives. When you read our newspaper, you will see numerous examples of acts of service. It is important we share these good works and invite others to participate. One of the best ways to understand our lodge communities and how we strengthen community is by participating.
Late last year, we announced our focused service cause of Grief Support Services. While we still encourage all kinds of community service, our focused service cause is meant to help us do more good at a deeper level. It is also a way to more clearly associate service with who we are. Grief Support Services is a fitting match for us because it supports the emotional side of loss while our life insurance products support families financially when loss is suffered.
Thanks to the generous donations of lodges, members and others, our first ever Camp Grief Support Session is being held at our Camp in Comfort and the cost to hold the session is completely sponsored. I share the excitement of Vice President of Member Benefits Kim Krueger, Executive Camp Director Katie Klohn Miller and the many others who have been working so hard to make this session a reality. We will be providing a needed service to children, members and non-members, from all across the state and beyond. Next month we will be able to share the impact of this session with you.
If you have not used our website to search for community service or to add a community service event you want to invite others to join, be sure to check it out.
Thank you to everyone who has participated in a Hermann Sons community service initiative and to the many lodges who focus on service each year.
Have you ever been to Deanville, Texas? I hadn’t until just recently when I attended the Hermann Sons Deanville Lodge meeting on June 4. The lodge building has a lot of history and when I arrived, a very large group was leaving after having used the facility for an event.
What I found in Deanville was very similar to what we see all over Texas – a group of dedicated Hermann Sons members making a difference in their communities. As we know, community service is a big part of what makes Hermann Sons special. Members work hard to help each other and their communities in times of need and belonging to Hermann Sons allows more good deeds to be possible.
Deanville Lodge made a big impact in recognition of Join Hands Day. On May 10, a total of 45 Deanville Lodge members and Deanville 4-H Club participants met at the Deanville Volunteer Fire Department to join hands for a community service project to benefit the Camp Grief Support Session sponsored by Hermann Sons.
The Grief Support Session is a half-week summer camp adventure that will be held at Hermann Sons Camp in Comfort, Texas, for children, members and non-members, ages 6 to 17 who have lost a loved one like a parent or sibling. Licensed therapists and volunteer program staff will work together to create a special stay filled with therapeutic and traditional camp activities for the campers. The children will be surrounded by and participating in activities with other children who have experienced similar loss. The first session will be held this summer, July 5-8. This is the main charitable cause within Hermann Sons’ focus on grief support services.
For their project, the Deanville Lodge and Deanville 4-H collected art supplies like markers, scissors and construction paper for the children to use during the Camp session. Supplies also were collected in the lobby at the Citizens State Bank in Deanville so the greater community could be involved. “These are all items we will be able to put to good use during activities and in the cabins during the Grief Support Session,” said Executive Camp Director Katie Klohn Miller.
When I visited Deanville Lodge, I had the privilege of accepting the donations for the Grief Support Session. There were quite a few of the children from the 4-H Club who participated in the project who were present for the presentation. It was fun talking to them about the project and how the art supplies would be used. Their 4-H Club Leader Kristen Suehs told me that the children get extra excited about projects that help other children.
Pictured for the presentation are adults Deanville Lodge President Donnie Blinka, me, Deanville 4-H Club Leader Kristen Suehs and Deanville Lodge Secretary Marsha Kocurek and children Alycen Faust, Deanville 4-H Vice President Cameron Suehs, Kate Hill, Madalyn Faus, Luke Novosad and Kameryn Hill.
As you can see, this project really met the mission of Join Hands Day – promoting youth and adults joining together to make a difference in their communities.
But Deanville Lodge still did more. In addition to the art supplies collected, Deanville Lodge hosted a painting party to raise funds for children to be sponsored to attend the Grief Support Session. Participants paid a fee to paint on a canvas under the instruction of a local artist. A total of $205 was raised through this event. When she heard about this fund-raising activity, Community Service Coordinator Laura Adams said, “Deanville chose a very creative way to raise funds and increase awareness for the Camp Grief Support Session.”
I asked Marsha Kocurek how she came up with the idea of having a painting party to raise money for the Grief Support Session and she explained, “The idea for having a painting party came from the supply list sent out by the Home Office. I thought it would be fun to get a group of people together to raise money for campers doing something the campers would also get to enjoy. It’s also fun because we live in a rural community that enjoys getting together! This was a fun day with a fun group of ladies. They all asked to have another one soon!” She went on to say, “We are also very fortunate to have someone in the community who is very artistic and will lead these classes.”
The Grief Support Session will do tremendous good for children and Deanville Lodge’s support of the cause is greatly appreciated. Through contributions from lodges, individuals and others, Hermann Sons is able to sponsor all 50 of the children participating in the Session. The $205 raised through the painting party is a substantial portion of the $500 it costs to send each child to the Grief Support Session. “I am proud of all of our lodges supporting our Camp Grief Support Session and appreciate Deanville Lodge’s contributions,” remarked Vice President of Member Benefits Kim Krueger.
The layers of Deanville Lodge’s projects for the Grief Support Session were already very impressive, and then I found out that they were also making donations to three other organizations in observance of Join Hands Day, I was even more impressed. They presented checks to the Elizabeth Lutheran Food Pantry, Caldwell Christians Care and St. Joseph Manor. Each donation recipient spoke of how the funds would be used. Mike Cook of the Elizabeth Lutheran Food Pantry explained that the $100 donation would be able to feed 10 families. Pictured from left to right are Mike Cook of Elizabeth Lutheran Food Pantry, Alice Krobot of Caldwell Christians Care, Sherri Kay Peters of St. Joseph Manor, Deanville Lodge President Donnie Blinka and me.
Deanville Lodge found multiple ways to participate in Join Hands Day. They shine at community service and community involvement. These types of events also raise awareness about the organizations they’re benefitting.
I recently graduated from Comfort High School and have been involved in Hermann Sons Dance for 10 years. Dancing has always been a passion of mine. Every Wednesday evening I would meet up with my friends after school and enjoy new music and extra time with them. When I was little, we did all sorts of dancing from tap to hip hop to ballet. Now that I am older and more experienced, we perform more difficult genres such as jazz, lyrical and modern.
I enjoy music in general, but getting to use my body to tell different stories through dance makes me understand and feel the music even more. Being part of Hermann Sons Dance has meant lots of practices, dress rehearsals and recitals at Christmas and the end of the year.
Throughout my 10 years of dancing, every encounter with dance has taught me lessons in life.
As I get ready for recitals, I start to notice the younger girls admiring the older girls and our techniques. Being looked up to has shown me that I am a role model to these younger girls.
It has taught me leadership on and off the stage because I know that I am doing the right things then the younger dancers may follow my actions.
Being involved with dance has taught me time management and responsibility. I was expected to show up on time, “dressed and ready to dance,” as the teachers always announced. As I have gotten older, it became my responsibility to get myself there and to be prepared when I got there.
I was involved with many schools activities that required a lot of my time but because dancing is a passion of mine, I have always made time for it.
Dancing gives me the opportunity to be creative and outgoing. It is ironic because most people know me as an introvert, until you really get to know me and I break out of my shell. I love going to dance class and being able to incorporate my own choreography when the teacher asks. I love being able to go to dance and break out of my shell and dance my heart out. I have always enjoyed being on the stage during recital and not giving a care in the world, and just letting out my enthusiastic side.
And my dance friends knew they could always come to me and ask for help on certain moves or a section of the dance.
Since it was my senior year, I performed a solo that I choreographed on my own, along with the other two senior dancers. This has taught me to make time to practice so that the end result was what I wanted.
Now that graduation has passed, I am reflecting on how far I have come just because of these past 10 years. As I head off to college I will never forget the many life lessons Hermann Sons Dance has taught me. I will never forget everyone who has contributed to my years of dancing and everyone who has provided me with an avenue of creative expression. Dancing will always be a passion of mine and I am blessed to have been doing what I love for so long and I hope to continue this passion of mine in my future endeavors.
Editor’s Note: If you would like to write a blog about your dance experiences, email us with the blog and two photos we can use.
It is hard to believe but there are only 27 days until the first-ever Grief Support Session that will be held at our Camp in Comfort this summer. The dates are July 5-8. We are so excited to meet all of the campers who will be joining us and to be partnering with the Children’s Bereavement Center of South Texas. We have been working almost a year now to make this session and experience possible for members and non-members.
We already have an amazing session planned for the campers, but we are looking for a few more volunteers to help make the week go smoothly. We have volunteer opportunities available that include being a counselor, food service worker, housekeeper or Canteen clerk.
As a counselor you would be responsible for a small group of campers who are a similar age and you would live at Camp during the session. You would assist and supervise them in the cabin and also assist in the teaching of activities during the day. We will have a variety of activities going on and you will receive some extra instruction in those prior to the arrival of the campers. In the cabin there would be least one other co-counselor who you will be working with.
Food service workers will help in the preparation of the meals throughout the week. We serve breakfast, lunch and dinner along with an afternoon and evening snack. Some of our regular food service workers and managers will be there to assist you during the session.
Housekeepers will help keep our Camp looking nice during the session and assist in the cleaning of the public restrooms as well as the camper restrooms throughout the week.
We also have some opportunities to volunteer in our office during the session answering phones, sorting mail and getting things ready for the different activities. You would also be responsible for helping us with the intake of paperwork on the first day.
If you are interested in volunteering you will need to complete a volunteer application and then a phone interview will be conducted by a representative of Camp. If selected as a volunteer you will be required to do some pre-camp online training as well as some in-person training on the morning of July 5.
We hope that you will consider volunteering your time with us during the session. These children are counting on us. If you have any questions feel free to call Camp at 830-995-3223 or email me directly and I would be happy to speak with you.
We are so excited to have you join us this summer! We have so many wonderful and exciting things planned and we cannot wait to share those with you. You probably have a ton of questions about Camp so I am going to try my best to answer some of those!
What do we do during the day?
On most days at Camp you will have activities! There are six activity periods in a day during the full-week session and four activity periods during the half-week. We have more than 20 different activities at each Camp site you can pick from. We are very excited about our STEM Exploration class that is new this summer.
What do we do at night?
Each night we have a different activity planned. They will vary from Big Brown Bag to Twisted Tuesday to a Camp Dance on Wednesday night. We love having the opportunity to have more fun with our cabin and the other campers at our session. Get ready for some Superhero themed activities and making memories you won’t forget.
What are the cabins like?
Cabins are the best part of Camp! Have you ever been on a really fun sleepover with one of your best friends? Being in a cabin is basically like that, but with 18-32 of your best friends and for longer!
Each cabin has anywhere from 18-32 campers that are a similar age and four to six counselors. Everybody will have their own bunk (top or bottom) and some space to keep their personal belongings. Each cabin has air conditioning and a bathroom with several showers, toilets and sinks.
Who will my counselors be?
We can’t tell you who your counselors will be before you get to Camp, but we can tell you that we look far and wide to find counselors who want to spend their summer at Camp because they get to hang out with kids like you! They are college-aged individuals who are excited, fun and want to get to know you. It’s like having a cool older brother or sister take care of you! We also have some junior counselors who have been a part of our Counselor-in-Training program.
What are my responsibilities when I am at Camp?
“I have responsibilities at camp?” you may be asking yourself, and the answer is “yes, yes you do!” Here at Camp we ask all of our campers to do certain tasks so that everything can run smoothly. These tasks include picking up after yourself at meal times, cleaning up your stuff in the cabin during Clean for Ice Cream, showing up and participating in all activities and following all the rules we have here at Camp.
What’s the food like?
You’ll love the food at Camp! Is it just like home cooking? Well, maybe not quite like home, but close. From things like waffles, eggs and French toast at breakfast to foods like pizza, chicken fingers, corn dogs and spaghetti at lunch and dinner. We always offer a salad bar at lunch and dinner. And if you don’t like what we’re serving, we always have peanut butter and jelly available at lunch and dinner! And at breakfast we always have cereal. The best part though is that we get dessert with lunch and dinner!
Who should I talk to if I have a problem?
It is really important that when you are Camp that you tell others when you have a problem. It is hard for us to fix problems if we do not know about them or find out about them after you leave Camp. A great person to talk to is your cabin counselor. Other great people you can talk to are the Health Manager, one of the Senior Counselors, the Assistant Directors (Jesus or Holla), the Camp Directors (Papa Bear or Dyno), or myself. We want to make sure you have a great week and will work hard to make sure your problem is solved as quickly as possible.
Do I have to be a certain age to do some activities?
Yes, there are some activities that have an age requirement. Campers must be 11 years old in order to take our Challenge class. Campers at both camps must be at least 12 years old in order to take Outdoor Living Skills (OLS). In addition, Riverside girls who are 12 and 13 years old are eligible to take Canoeing. Don’t worry though because we have lots of great activities you can participate in no matter your age.
If I come to camp with a friend, can we be in the same cabin?
We try our best to honor all cabin mate requests. We never have campers in the same dorm that are more than three years apart in age. For instance, a 9 year old can live with an 11 year old, but there could not be a 12 year old in that dorm. It is also important that you make sure you list the first and last name of your cabin mate request on your application. The more information you can give us on the request, the easier it is to make it happen. If for some reason a cabin mate request that is listed cannot be met we will contact you prior to Camp.
Is it OK if I am nervous about coming to Camp?
Yes, of course! Everybody is a little nervous about coming to Camp, even returners. Once you get to Camp you will realize that everyone wants you to feel comfortable and have a good time and your nervousness will melt away. Your cabin mates, counselors and directors are all on your team and ready to make you feel at home at a moment’s notice.
Also, don’t forget about our Open House that is taking place at both sites on Saturday, June 10, from 9:30 a.m.-2 p.m. Open House is a great time to come and take a tour and participate in some of the activities that we have to offer. You will also get to meet some of our staff for the summer. Make sure you bring a swimsuit if you would like to swim, and sneakers if you want to try our Challenge Course at the barn.
I cannot wait to meet you this summer and share a place with you that I care so much about. You will be so glad that your family decided to allow you the chance to experience Camp this summer! If you have any other questions that I did not answer don’t hesitate to e-mail or call me at Camp so I can answer them!
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Hundreds of Hermann Sons members are graduating from high school this year and are looking forward to enrolling in college in the fall. Seven of those members will be doing so with the help of one of the two major scholarships that Hermann Sons offers – the Hermann Sons Youth Camp-Shannon Leigh Gaffney Scholarship and the Retirement Home Scholarship.
The names of the recipients were announced in the May and June issues of Hermann Sons Life but I want to take a moment to recognize them and wish them good luck in their pursuit of a higher education.
And I want to thank them for the things they said about Hermann Sons – especially the Camp and Dance programs – in the essays they were required to write when they applied for the scholarships. All seven attended Camp with at least three returning as counselors-in-training and later as counselors. These young people are great ambassadors for Hermann Sons and all that it stands for.
They all are headed to great universities – three to Texas A&M, two to the University of North Texas and one each to the University of South Carolina and Incarnate Word University.
And they have some very ambitious plans. Three of them are going into the medical field, one wants to be a vet, another wants to be an attorney, one will study computer engineering and another wants to study psychology and mathematics.
One of the graduates is actually receiving both scholarships. Her name is Madison Dziuk. This is not the first time that one student has earned both scholarships but it definitely doesn’t happen every year. I know that Rodney and Karen Dziuk and everyone in Karnes City Lodge are very proud of her. She is graduating from Falls City High School and plans to attend Texas A&M University in College Station where she will study kinesiology in preparation for a career in pediatric medicine.
In her essay, Madison said, “Hermann Sons Life is just that – LIFE! Through this amazing organization, I have become better prepared for the road ahead. It has instilled in me a sense of purpose and established a commitment to all that I do. I will be forever thankful to HSYC as it has influenced my career path to work with the medical needs of children in the field of pediatrics.”
This reaffirms the Hermann Sons Life commitment to its Camp program and the power it has to change the lives of the young people it serves.
The other recipients of the Camp scholarship are Haley Miller of Waco and Haley Trainer of Adkins.
Haley Miller is the daughter of Paula and Trey Miller and is graduating as the valedictorian at Waco High School. She is a member of Waco-Robinson Lodge. She also will be attending Texas A&M at College Station and has been accepted to the Mays College of Business Honors Program. Her goal is to become an attorney.
Haley is now a counselor at Camp and said in her essay, “I may never be able to repay Hermann Sons and the people that made my time in Comfort the very best weeks of my life, but I am pleased to now be part of the team that creates the magic of our summer home. I will continue to add to the madness that is my camp and do my part to make sadness disappear one week at a time.”
Haley Trainer is the daughter of Kerri and Damon Trainer and is graduating from East Central High School. She is a member of Lone Oak Lodge. She plans to attend the University of the Incarnate Word where she will study nursing.
In her essay, Haley reflected on how she learned to be a better leader while at Camp. “Leaders must be dedicated, responsible, respectful, organized and lead by example. All of these qualities I try to apply in my life today.”
Four other students have received the Retirement Home Scholarship.
Erin “Beth” Logue is the daughter of Kenneth and Barbara Niemann of Lockhart. She is a member of Niederwald Lodge. She plans to attend Texas A&M University where she will study animal science. Her goal is to become a veterinarian.
In her essay, she wrote, “Hermann Sons Youth Camp shaped me in ways that my family and friends alone never could have done and I am obsessively grateful for the many memories, friendships and lessons that it’s offered me.”
Ronald Burns-Lane is the only young man who is receiving a scholarship this year. He is a member of Fort Worth Lodge and is the son of Karen Burns-Lane and Billy Lane of Burleson. He is graduating from Burleson Centennial High School and plans to attend the University of North Texas where he will study computer engineering in preparation for working in the family business.
In his essay, he wrote, “When I think of Hermann Sons I think of community and family. I think of life-long support and friendships. I look forward to growing my ties to the Hermann Sons community throughout my life.”
Emily Saathoff is a member of Prinz Solms Lodge. She is the daughter of Doug and Teresa Saathoff. She is graduating from Ronald Reagan High School and plans to attend the University of South Carolina at Columbia where she will study biological sciences with a focus on pre-med. She hopes to attend medical school and eventually become a pediatric oncologist.
In her essay, she wrote, “Life passes by in a flash, but Hermann Sons has provided me with a family that I know will always be there for me to fall back on. I used to be an 8-year-old afraid of jumping off the top bunk, but thanks to Hermann Sons, I am now ready to leap into my future.”
Marissa Kaylee Pollok is a member of Siemering Lodge. She is the daughter of George and Rebecca Pollok of San Antonio. She is graduating from East Central High School and will attend the University of North Texas where she will study psychology and mathematics.
In her essay, she wrote, “To me Hermann Sons means growing into the ideal citizen of society by learning leadership skills. Hermann Sons means the world to me and I am glad to have been able to have this learning experience.”
As Hermann Sons members we should all be proud of these young people. They have a bright future ahead of them. Watch out world, here they come!
If you are graduating from high school in 2018, it’s not too early to start thinking about applying for one of these scholarships. The Camp presents three scholarships each year. Each is worth $1,000. The Retirement Home presents five scholarships each year. Each is worth $1,500. Learn more on our website.
The reason I want to attend camp is that I want to make new friends. And maybe meet them again someday. I also want to learn survival skills. So if I get lost, I’ll know exactly what to do. I also want to see my dance teacher, Miss Aimee, or as some people call her, Butterfingers.
Well, I think that’s it. I want to be able to swim while I’m there. I know there are bunk beds, well I think there are, and if there are I kind of want to sleep on the top bunk. And I have so many reasons that I want to go to Camp I can’t write them down on paper. But, I really want to go so I hope I can go.
Editor’s Note: Kendra Howard is a Comfort Lodge member and dancer for the Comfort School of Dance. If you have a child who will be attending Camp this summer who wants to write a blog about what he/she is looking forward to, email us with the blog and two photos that we can use.
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History has always been an important part of our lives and the history of our organization is no different. We made history at the 47th Grand Lodge Convention with the important decisions lodge representatives made. Proposed law changes were brought before these members, along with education and presentations about the changes. All recommended changes were approved.
One major change was our official name. For more than 125 years, our official name has been Grand Lodge of the Order of the Sons of Hermann in the State of Texas. After regulatory filings are processed, our official name will be Hermann Sons Life. As has been written about in our member newspaper and in other blogs, Hermann Sons Life will provide a clearer representation of our organization.
The second major change regards the way we are governed. Our new form of governance includes an elected Board of Directors to provide strategic planning and fiduciary oversight and an appointed team of officers to oversee day-to-day operations. This more modern way of doing business will provide a framework for sustainability and be better suited to the expectations of regulators.
Delegates were asked to elect six members to the new Board of Directors. There were 13 very qualified candidates on the slate, which says a lot about the dedication and leadership of our members. The six elected were Mike Beam, Suzanne Hildebrand, David Noak, Stan Steiger, David Wolf and myself.
Being elected to this board meant so much to me and, when my name was read, I cannot tell you what I was feeling. This was such a special moment in my life. My mother always told me to work hard for what you want and good things will come your way. She was right, I have worked hard all my life and now I will work even harder to move Hermann Sons Life into the future.
Because of my desire to lead and serve our organization, I knew I wanted to serve as Chair of the Board. I am delighted to have been elected to this position and look forward to leading the Board and working as a team to make the best decisions for our organization.
One of the first decisions before the Board was hiring the President and CEO. This was an easy task - Allan “Buddy” Preuss. Then Buddy presented his slate of vice presidents and again this was an easy decision. The Board feels confident with these executive officers in place for the management of the company.
We now need to come together and continue the hard work of gaining new members and retaining current members. We have so much to share as an organization, which is why we want current members to benefit from the full value of their membership and why we want new members to experience what we have to offer.
So remember you are an important part of the team: invite all members who have not been attending meetings to come and hear about all we have to offer in Hermann Sons Life and ask what we need to do to keep them as members and to get their children, grandchildren and great-grandchildren to join. We are going to find the solutions and it will take all of us to do this.
Your Board of Directors is committed to the strategic development of our organization and we will be working hard for you. I am so looking forward to meeting more of you in the future and to attending meetings, dance recitals, parties, pin presentations and other activities around the state.
When Vice President of Member Benefits Kim Krueger first told me that Hermann Sons had chosen grief support services as its focused service cause, I thought it was a wonderful idea. Then when she told me that we would like to offer a Grief Support Session at our Camp in Comfort, I got really excited because I soon realized just what a need there is for it.
Our journey started in July of 2016 when Kim, Engagement Director Jennifer Cernosek and I went to visit Camp Fire El Tesoro-De La Vida during its week-long grief session. It was amazing to see the work the therapists were doing and I remember on the way home realizing just what an amazing opportunity we had to serve our members and others in our communities.
I distinctly remember the lead therapist telling us that often a child is able to make the same amount of progress during one week at a camp like this as they do after several months of individual counseling. He told us there is just something powerful about grief support happening in a camp setting and after seeing it in action I was a believer.
In the fall of 2016, thanks to Community Service Coordinator Laura Adams we made a connection with the Children’s Bereavement Center of South Texas located in San Antonio. We knew we had the facility and the program staff to make the camp aspect of the Grief Support Session possible, but we were missing the therapeutic aspect. Our partnership with the Children’s Bereavement Center has been such a blessing and we are so excited about working with them to make our first Grief Support Session possible. The Children’s Bereavement Center’s mission is to foster healing for grieving children and youth, their families and the community. They offer individual counseling services, grief support groups with peers, as well as family counseling opportunities. The center has also offered grief camps in the past.
We are excited because several representatives from the Children’s Bereavement Center of South Texas will be joining us for Open House on Saturday, June 10. That day they will be holding the first of two pre-camp meetings for families who have campers attending our Grief Support Session. This will be a great time to tour the Camp, experience some activities and have an opportunity to meet with the therapists and ask some questions.
Our Grief Support Session will be held July 5-8 at the Hilltop site. It is for children between the ages of 6 and 17 (by Sept. 1, 2017) who have lost a loved one. This session will be different from anything that we have done in the past. It will take place in a small setting with only 50 campers and many volunteers. The application for the session is currently live on our website and registration is open to Herman Sons members as well as non-members through June 16.
This is a true community service project. There is a $50 assessment fee associated with the application but this is the only money that will be required from the camper and the family. Thanks to our generous members we have been able to raise the remaining cost of the session. Once an application is received, families will receive a phone call from a therapist to learn some more about the camper. If for some reason it is decided that the Grief Support Session is not a good fit for a camper, they will receive a complete refund of the assessment fee. Applications will be reviewed on a first-come, first-served basis.
I am sure you are wondering what campers will be doing during the half-week session. When campers arrive on Wednesday, July 5, they will come to the Houston Home Association Activities Center where they will be greeted by Camp staff as well as therapists from the Children’s Bereavement Center. We will have an opening meeting together and then families will have the opportunity to get their camper(s) all moved into their cabin for the session. Campers will be placed in cabin groups based on their age and gender. Bunks will already be assigned when families walk into the cabin on opening day.
After campers are all settled, families will leave and we will begin getting to know each other. First, campers will have an opportunity to get to know their cabinmates and cabin counselors during a cabin team meeting. Following the meeting we will take cabin photos and then there will be a free swim. After campers have the opportunity to cool off in the pool, it will be time to get changed and ready for dinner.
Once dinner has been completed we will have our first official whole Camp meeting with everyone. This will be a time for us to create our community as a whole group and campers will have an opportunity to get to know everyone who they will be working with. Campers will also have a chance to participate in their first Healing Circle on Wednesday evening when they get to introduce their Special Person that they lost to their small group followed by an opportunity to learn about everyone’s Special Person when we gather back together as a community. Once the Healing Circle is finished we complete our nightly grateful circles and get ready for a good night’s sleep.
Thursday and Friday will be similar days for the campers. Campers will have the opportunity to participate in a mixture of regular camp activities while continuing their healing circles with their small group. Some of the traditional camp activities that campers can pick from are Recreational Games, Adventures in Nature, Rocketry, Camp Crafts, Ceramics, Archery, Dance, Soccer, Volleyball, Basketball, Tennis, Court Hockey, STEM Exploration, Flag Football, Cheerleading and Drama. In the morning campers will go to two activities and one Healing Circle. In the afternoon campers will pick one activity, attend a Healing Circle and then have the opportunity to swim. Each evening we will gather for a full Camp activity that will include a variety of things like a campfire and Camp dance.
At the conclusion of the session we are planning a picnic lunch with our campers and their families. It will be a time to celebrate the time they spent at Camp and share what they accomplished with their family. Parents and guardians also will have the opportunity to meet with the therapists to learn a little bit more about what the campers did throughout the week and some things they can do to continue to help them on their healing journey.
We know that a grief journey is never quite finished, however we are excited to provide our campers with some skills and tools that they will be able to use as they continue their journey as an individual and with their family. We can’t wait to serve our members and other individuals in our communities during the Grief Support Session.
Are you interested in supporting the Grief Support Session or our focused service cause of grief support services? Here are some things you can do to help:
I am so excited for the session and the opportunity we have as an organization to really impact our communities and the individuals in them. I would love to hear what you are doing to support this amazing cause.
If you have any specific questions regarding the Grief Support Session please call the Home Office and we will be there to support you. Thanks go to our members who have already helped to make this focused service cause a success!
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