Věstník (Temple, Tex.), Vol. 102, No. 12, Ed. 1 Wednesday, March 19, 2014 Page: 2 of 32
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2014 SPJST Life Insurance and Annuity Extra
2014 SPJST Life Insurance
and Annuity Extra
SPJST OFFICERS
President
Brian Vaniček, FIC
Office: (254)773-1575
Mobile: (254)534-2902
Home: (254)985-0007
Email: vanicek@spjst.com
Published March 19, 2014, in lieu of the Vestnik (VOLUME 102, NO. 12), the
2014 SPJST Life Insurance and Annuity Extra provides a summary of generál
insurance information and of the insurance plans and annuity programs available
to qualifying SPJST members and prospective members.
Table of Contents
What is a fraternal benefit society?..............................................................................3
SPJST: An Idea in the Making.......................................................................................3
SPJST Celebrates 117 Years of Fraternalism..............................................................4
Different types of life insurance....................................................................................5
Tips on buying life insurance........................................................................................5
Affordable Insurance Options.......................................................................................6
Should I buy life insurance through work or on my own?.........................................6
What you should know about buying life insurance..................................................7
How to purchase insurance: Choosing an agent......................................................7
How to purchase insurance: Choosing a policy........................................................8
How to purchase insurance: Questions about a policy..........................................10
SPJST announces insurance annual reviews for members...................................11
How often should I review my SPJST policy?...........................................................12
Women underestimate their family contributions
by lacking sufficient life insurance.........................................................................12
SPJST Insurance Department Staff............................................................................15
What is an annuity?.....................................................................................................16
Why should I consider purchasing an annuity?.......................................................16
How are annuities different from life insurance?......................................................17
What are the different types of annuities: fixed vs. variable..................................17
What is the different between a fixed and variable annuity?...................................18
What are deferred and immediate annuities?............................................................18
How much should I invest in an annuity?..................................................................19
What is a “free-look” provision?.................................................................................19
What are surrender fees?............................................................................................19
SPJST Annuities .........................................................................................................19
SPJST Youth Program Aims High...............................................................................21
SPJST Scholarships and Grants................................................................................22
SPJST Mortgage Loan Program.................................................................................22
SPJST Supports Established, Fledgling Charities...................................................22
SPJST Endowed and Sponsorship Scholarship Opportunities.............................23
Directory of SPJST Lodges, Youth Clubs, and Sales Agents............................24-31
SPJST HOME OFFICE • PO Box 100 • Temple, Texas 76503
(800)727-7578 * (254)773-1575 • Fax: (254)774-7447 • www.spjst.org
Vice President
Gene McBride, FICF, CFFM
Office: (254)773-1575
Mobile: (254)534-1450
Email: genemc@spjst.com
Secretary-Treasurer
Leonard D. Mikeska, FIC
Office: (254)773-1575
Mobile: (254)721-4739
Home: (254)778-3720
Email: leonardm@spjst.com
Financial Secretary
Roy Vajdak
Office: (254)773-1575
Email: royv@spjst.com
SPJST DIRECTORS
Donnie Victorick, FIC, CFFM
District One P.O. Box 85
Snook, Texas 77878-0085
Home: (979)272-3265
Mobile: (979)224-3125
Email: dv.aggie@verizon.net
Jesse Pospisil
District Two 4710 FM 1331
Taylor, Texas 76574-2164
Home: (512)365-1110
Mobile: (512)826-7371
Email: jlpospisil@yahoo.com
Johnnie R. Krizan
District Three 11500 Heritage Pkway
West, Texas 76691-2017
Home: (254)826-5882
Billy Rollwitz, FIC, CFFM
District Four P.O. Box 195
Rowena, Texas 76875-0195
Home: (325)442-3141
Mobile: (325)277-5362
Office: (325) 442-3038
Email: brollwitz@verizon.net
Larry W. Pflughaupt, FIC
District Five 1243 Clovis Rd
Houston, Texas 77008-6232
Home: (713)864-2163
Email: lpflugh@aol.com
Karen Kašpar, FIC, CFFM
District Six 8550 N. State Highway 71
El Campo, Texas 77437-9819
Home: (979)543-2532
Mobile: (979)332-1616
Email: k-kaspar@hotmail.com
Bob J. Bayer, FIC
District Seven 1100 Hospital Blvd
Floresville, Texas 78114-2912
Home: (830)393-9073
FRATERNAL FIELD
MANAGERS
DISTRICTS ONE/THREE
Philip (Phil) McBee, FICF, CFFM
Mobile: (325)647-1949
Fax: (325) 784-7448
Email: philipmcbee@spjst.com
DISTRICTS TWO/SEVEN
Hiram Dixon, FICF, LUTCF, CFFM
Mobile: (254)231-7722
Fax: (254) 501 -4479
Email: hadixon2003@yahoo.com
DISTRICT FOUR
Bobby Davis, FICF, CFFM
Mobile: (254)239-9153
Fax: (325) 657-2003
Email: bobbyd@spjst.com
DISTRICTS FIVE/SIX
Delisle Doherty
Mobile: (254)239-9616
Fax: (281)855-3039
Email: delisled@spjst.com
STATE FRATERNAL
ACTIVITIES COORDINATOR
Frank Horák
Office: (254) 773-1575
Mobile: (254)534-0681
Email: frankh@spjst.com
STATE YOUTH DIRECTOR
Lynette Talasek
Office: (254)773-1575
Mobile: (254)931-0639
Email: lynettet@spjst.com
VĚSTNÍK
SPJST’s Weekly Member Newspaper
Editor/Director of Communication
Melanie Zavodny, FIC
Office: (254)773-1575
Mobile: (254)534-0807
Fax: (254)773-8087
Email: melaniez@vvm.com
What is SPJST?
We insure and enrich lives.
Whatis
SPJST’s vision?
Our vision is to provide
a wholesome family
environment;
to encourage cherished
Czech traditions;
and to provide
high quality, competitive
life insurance
for our members.
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Zavodny, Melanie. Věstník (Temple, Tex.), Vol. 102, No. 12, Ed. 1 Wednesday, March 19, 2014, newspaper, March 19, 2014; Temple, Texas. (https://texashistory.unt.edu/ark:/67531/metapth631942/m1/2/: accessed July 18, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Slovanska Podporujici Jednota Statu Texas.