Benefits of being a member of Silver Bell Club (dues paid)
.Monthly meetings
.Day trips for 2012
.Scholarships for family members
.Yearly special rates for insurance
.Youth activities
.Art contest
.Cookie bake contest
.Christmas dinner
.Spelling Bee contest for grade schoolers
.Coloring book contest
.Yearly baseball outing-Railcats
.Memorial Mass in May
.Sponsor of Special Olympics
Call Joe Samreta for more information 219-947-2955
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Did you know?
The average cost of a funeral is over $8,500. nationally. This is one of those things that no one wants to think about-and does not realize until it happens.
This estimate figure, is strictly for the process, from death to burial.
This figure does not include medical related expenses, living conditions, and expenses incurred by the family, or living relatives of the deceased.
The best deal on Life insurance, is when a person is younger, the cost is lower and increased with age.
Factors to consider:
. As one gets older, health conditions can set in and alter the cost
. If conditions are serious, it can make a person unqualified to purchase Life insurance
A couple of questions to ask yourself:
Why do people, as they grow older, and finances are more precious, become concerned about Life insurance, when it was less expensive when they were young?
The disability waiver rider:
Should the insured person become disabled for 4 continuous months or longer, and had not reached the age of 65--The PNA will waive the premium on the insured's certificate.
The Living Benefit Rider:
This rider is automatically attached AT NO COST TO THE APPLICANT.
to whole life certificates (policies) with amounts of $10,000. or more. This rider provides for a portion of a certificate's proceeds to be paid prior to the death of the insured, provided that the insured has medical evidence of a life expectancy of 12 months or less and they elect to exercise this rider.
Guaranteed Insurability Provision Rider:
This Rider guarantees the right to purchase additional insurance, without evidence of insurability on each of six options Dates--on the anniversary of the certificate following the member's 25th, 28th, 31st,34th, 37th, and 40th birthdays. Maximum is $25,000.
Fact: Life insurance is tax free as a death benefit
The PNA offers two IRA accounts--Traditional and ROTH, and a Tax-Deferred Annuity account. If you have questions regarding on the new rates and the annuities,
please call Joe Samreta 219-947-2955 Insurance representative.
or email to:scb.2365@yahoo.com
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PNA orphan benefit Program: Considered to be one of the best in the U.S.A, offered by a Fraternal Insurance Benefit Society.
Child/Orphan must be between ages 0 & 18: a PNA member and parents were also members. The child/orphan, as of the date of death of the last surviving parent, must have an existing PNA insurance policy (excluding term).
Eligible child can receive payments of $1,000. each year until they reach 19 years of age-to a legal guardian or held in escrow until the child reaches the age of majority.
If legal guardian incurs legal expenses of a lawyer or appropriate court expenses in obtaining guardianship, PNA will pay the guardian up to $2,000 for the costs and fees.
PNA provides 100% tuition, room and board at a public college in the child's residence for up to 4 years.
1. benefits not payable after age 23
2. "C" grade point average must be maintained at all levels.
3. Must be a full time student
4. Benefits are not paid if the orphan marries or enters the military service
Must be a member of the Polish National Alliance to be eligible for the Orphans Fraternal Benefit Program:
Members who are covered under Term Insurance, Extended term, or reduced paid-up insurance are not considered benefit paying members and therefore, are not eligible to receive any benefits.
The PNA will guarantee you children a college education and financial assistance, when both PNA parents are deceased.
**Certain additional provisions Must be met.
Contact: Joe Samreta, Insurance Representative, 219-947-2955 sbc.2365@yahoo.com
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