The Fort Hood Sentinel (Temple, Tex.), Vol. 41, No. 45, Ed. 1 Thursday, March 17, 1983 Page: 7 of 40
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You need a life insurance agent for
v' the same reason that you need a spe-
cialist in any field. Planning your
financial future providing for the ex-
ected and the expected and
meeting your present and future
needs is a complex task.
iO a
-■7*710
The need for an agent has been
a to th fo an
architect a general contractor or a
carpenter there area lot of plans a
lot of options and a lot of different
tools needed to do the job. With your
help the agent will determine what it
is that you want done and lay out the
plans to do that job.
Would you be interested in a tax-
deferred individual retirement plan
that permits a maximum contribu-
tion of as much as 300 percent more
than the $2000 allowed by an IRA?
Are you an educator or employee of a
non-profit 501 (C) (3) organization? If
your answer is a resounding “Y es” to
both your participation in one of the
Tax Deferred Annuity (TDA) prog-
rams offered by life insurance com-
panies could offer dazzling rewards
in both tax sheltering and invest-
ment return.
Generally speaking eligible em-
ployees may contribute up to 20 per-
cent of gross income through payroll
deduction to a TDA plan. You are not
required to report this monthly con-
tribution or the interest accrued as
current taxable income. An addition-
al bonus allows employees to use
“past credits” (years of employment
when no tax sheltered contributions
were made) to boost contributions to
far more than 20 percent. For exam
ple an employee with 23 years past
service and no previous tax deferred
7 7 2 1 OO
805 W. Rancier
Killeen. Texas 76541
Bus (817)634-9937
Res (8 17)699 4349
INSURANCE
R. 20-26
mbers of the
Killeen Association
Underwriters are
ble to assist you
insurance needs!
W a
financial
So
GCIATION OF LIFE UNDERWRITERS
ort' of the Life Underwriter is unique in that he is the
nd'his company. As a life insurance advisor he owes
/ard his clients while at the same time he also
and loyalty to his company. Only by observing the
rvhe avoid any conflict between these two obliga-
tny Responsibility.
TO hold my busi-
riveio maintain its prestige. TO keep the needs of
ostj TO respect my clients’ confidence and hold
rr. TO render continuous service to my clients and
loy every proper and legitimate means to persuade
ble-obligations but to rigidly adhere to the observ-
‘s of business and professional conduct. TO present
ompletely every fact essential to my clients’ deci-
and to add to my knowledge through continuous
duct my business on such a high plane that others
'help the standards of our vocation. TO. keep myself
sur^nce laws and regulations and to observe them
.0 respect the prerogatives and cooperate with all
Constructively related to ours in. meeting the needs
The agent ay have to call in
others to help do those things that are
part of your plans but not part of his
repertoire. From a bag of some very
basic and some very refined tools the
agent will choose implements that
can do the job for you. Just as the
architect has to study the characteris-
tics of the land you want him to build
on the life underwriter has to study
your individual characteristics to de-
term ine what plans ill properly
serve your financial needs.
Because of your relationship with a
life insurance agent will be intimate
and confidential you will certainly
W ise Consum ers Ask Intelligent
payment may “catch-up” the 20 per-
cent allowed for each year missed.
This can be a tremendous opportun-
ity for a couple whose children have
left home and are no longer an ex-
emption on the tax return. The for-
mula for determining the maximum
amount needs to be worked out by an
expert but in some cases it can work
out to as much as 20 percent of gross
income plus $3200. TDA contribu-
tions may be withdrawn at any time
but are taxed as current income
not subject to the 10 percent penalty
like IRA’s.
It is very important that persons
eligible for TDA plans to understand
that a competitive situation does not
exist between the TDA and IRA
plans. An employee may have both
types of tax deferred plans effective
with the 1982 income. Generally the
re ib io
amounts and fewer restrictio
would make the TDA plans more
attractive as abase for personal re-
tirement planning. An IRA would be
a logical second step if additional tax
egistered epresentative
ancock
Mutual un ds a anable Annuities
D. W. (Bill) W wilson
Staff Manager
sfO flc A fa rU mutual Life In su ran ce om pany
One of the John Hancoc* Com oam es
NO ONE CAN
SEE THE FUTURE
HOW EVER.
SOUND FINANCIAL PLANNING BASED
ON A STRONG UNDERSTANDING OF
THE PAST AND PRESENT CAN BE
A GREAT ASSET TOWARD A
SECURE TOMORROW.
Investment and Tax Planning IRA’s.
FREE Analysis of Current Investment
and Insurance Plans.
Discount Brokerage Services.
Access To All Major Exchanges.
Call For FREE Subscription To
Our Newsletter.
IJean
I
FINANCIAL PLA N N IN
FORMER BOARD MEMBER AND 12-YEAR MEMBERSHIP GKALU
Once there was
only life insurance.
Now theirs
variable life.
Why do you buy life insurance? ecause you ant uaran teed financial
security for your loved nes. If that sounds like th usual life insurance policy
you’re right. But. now you can get lifetime insurance corcrugc with one big
difference: Variable Life Insurance th life insurance policy with growth
potential through in vestm en ts in th stock arket. We think it’s one of th ost
important innovations in life insurance in the last sixty years.
ere ’s ore: in addition to this growth potential you still get a
guaranteed inim um deathbenefit no matter what happens in th stock
arket.
ere ’s how it orks: Funds supporting your policy are in vested in a
S ep arate Inv estm ent A ccount which is managed by th professional in vestm en
staff of he Equitable. Your insurance coverage ay in crease ec rea se
annually depending on th A ccount’s in vestm en resu lts. But ate th
performance of th Account your life insurance coverage can ’t fall below th
guaranteed inim um
Your cash value will also reflect th A ccount's in vestm en exp erience
but there is no aran teed minimum.
O ffered bv E quitable Variable Life Insurance om pany E IC 0 a
wholly owned subsidiary of E quitable Life A ssurance Society of th
nited States.
For more complete information about the Separate Investm ent Aeeounl
and the policy including charges and expenses send fo a prospectus by mailing
the coupon. Read the prospectus carefully before you purchase a policy.
Available only through Equitable Agents.
SM A IL TO:
Poteat
A re ss
Cm
705 Allen St. Copperas Cove TX 76522 I
l'le as re in form atio including a ro tu s on KVLICO's I
ariable Life In ra
N am
E
VM -016
I
Zip.
it a
Agents O onscience Give Consum ers eace O Mind
want to choose an agent on whom
you can rely and whom you feel will
have continuing interest in you and
your affairs. It is often said that you
should select a life insurance agent
the same way you would a doctor or a
lawyer.
It makes good sense therefore to
consult your friends business associ-
ates employer lawyer and banker to
get their opinions and perhaps a re-
commendation for a life underwriter
who has done a good job for them.
A person who keeps the needs of
the clients always uppermost.
deferral is desired.
Some of the more important fac-
tors to consider in choosing an insur-
ance carrier are company security
contract charges investment return
service and flexibility in dealing with
an often changing econom y. Re-
levant questions a person might ask
when evaluating a TDA contract are
as follows:
What is the A.M. Best rating for
the com pany? E xcellent? Good?
How much experience does the com-
pany have in the tax deferred annuity
market?
Is a sales charge deduction made
from each payment? What percen-
tage? If not does one pay surrender
charges when money is withdrawn
early or at retirement? Do these de-
crease or disappear over a period of
time?
What kind of investment return
has the plan had over a period of
time? If it offers a fixed interest
account how is the interest credited?
Daily? Annually? Is the same interest
AMERICAN
NATIONAL E
a
AMERICAN NATIONAL INSURANCE COMPANY
1 7 0 3 W IL O W E N IV E
I E E N 7 6 S 4 I
E S O N E 6 9 9 6 0 9 7
*Donald L. Cudney CFP
CERTIFIED FINANCIAL PLANNER
Heritage Financial Services
405 Priest Drive
Killeen Texas
*Registered Representative
Western Reserve Financial Services
Call 526-6714
I
VARIABLE LIFE INSURANCE COM PANY I
$EVLICO
1977 E ita le ariab le ite Ins N N Y. 10019
ese policies are available only in those jurisdictions which permit the sale of Variable Life Insurance
ANGEL L. CRUZ
O N E 0 3 2 2 8 0 O 8 0 0 2 5 0 2
N a a a
A ID E N IN S. O
3 0 1 7 AVE. N O
N a 3 7 2 1 0
W im
Insure: Your Business Property
Your Personal Property oYour Life
Your Income eYour Retirement
Kyle Hilliard CLU
714 North 2nd Street Killeen 526-8575
IRA?
Check with State Farm
•Competitive Rates.
Guaranteed Lifetime Income.
Waiver of Premium for Disability Option.
Good Neighbor Service.
MIKE ACOSTA
A gent
1118 North 8th St.
Killeen 634-6434
STATE .ARM
&
A person who respects your con-
fidence and holds your personal in-
formation in trust.
A person who presents accurate-
ly honestly and completely every
fact essential to your decisions.
A person who has had a solid
training in life insurance and allied
financial products.
A person who must meet certain
educational standards to maintain
membership in the association.
Someone who attends the educa-
tional meetings and classes offered
by the association to add to her or his
credited on all money in the account?
How often will the participant
receive a statement of his account?
Does the company have a local office
and representatives to service the
account? Can the participant expect
service locally many years in the fu-
ture when he retires?
If return for different types of
investments changes as in the
drastic decline in money market
rates recently and the rapid gains in
the stock and bond markets can
the participant shift funds to maxi-
mize his return?
What about retirement income?
How uch month ly in com per
thousand will the contract provide?
Is it competitive with other leading
insurance carriers?
In sum ary th tax deferred
annuity is an excellent vehicle to
accumulate funds for retirement pur-
poses. Eligible employees would do
well for themselves to investigate the
an fin tr a ts a a ila le
through life insurance companies.
UNITED SERVICES LIFE O PANIES
ROY M. NILSEN
USA. RETIRED
FIELD REPRESENTATIVE
The Professionals!
805 W. Rancier
P.O Box 788
Killeen Texas 76541
Bus.: (817) 634-9937
Res (817) 526-5018
Like a good neighbor.
State Farm is there
State Farm Life Insurance Company
Home Office Bloomington. Illinois
Ja J. Mezik
Agent
y^ fO flcffC in COcJ^
store of professional knowledge over
and byond the required minumum.
A person of character and skill.
A person who represents com-
panies that are sound reliable and
well-managed.
A person who holds the insur-
ance profession in high esteem and
strives to maintain its prestige.
A participant in community and
organizational affairs as an indi-
vidual and through the association’s
public service programs.
A person who is recommended
by those who know her or him.
Underwriters
Get espect
Life insurance agents rank closely
behind lawyers and ahead of bankers
as a preferred source of information
and advice about financial plans for
retirement according to the Amer-
ican Council of Life Insurance.
In its nationwide public opinion
survey the council found that 45 per-
cent believe lawyers are especially
qualified to advise people regarding
financial plans for retirement while
41 ercen nam life insurance
agents. Bankers are cited by 33 per-
cent of the public accounts by 26 per-
cent personnel managers by 17 per-
cent and stock brokers by 15 per-
cent.
March 20-26
Life Insurance
Week
Insurance week Pd. Advertising
Mutual Life Insurance Company
One of the John Hancock Com panies
HENRY DRONET
AMERICAN
NATIONAL
606 ESTES DRIVE
KILLEEN. TX 76541
(817) 634-7420
2 3 0 0 E. a
.O BOX 4 8 5
7 6 5 4 1
HILLIARD
INSURANCE
AGENCY
“Complete Insurance
Service”
ASSISTANT GENERAL AGENT
Acacia
Group
Thursday March 17 1983 THE FT. HOOD SENTiNbL A -7
Life nderw writers
Sponsor enefit
olf Tournam ent
The Greater Killeen Associaton of
Life Underwriters will be sponsoring
a two-man two-day scramble Golf
tournament on March 19 & 20. Pro-
ceeds of the tournament will be don-
mated to th a ilies In risis
Center”.
.The Tournament will be held at the
Killeen Municipal golf course. Parti-
cipants will have a chance to win a
1983 Olds Cutlass Supreme donated
by Bay-Long Olds GMC. Inc. The
car will be awarded to the first hole-
in-one on hole #2 during Sunday’s
round.
Entry fee is $40.00 per team plus
course fees. Entry form may be
obtained at Killeen Municipal Golf
Course or by contacting Mike Acosta
(634-3634) or Richard Drake (526-
2167).
Prizes are being donated by the fol-
lowing businesses: Bay Long Olds
GMC Inc. modern TV and Ap-
pliance Putt Putt Golf and Games
Aracia Mutual Insurance (Louis Han-
sen CLU) American National Insur-
ance (Tom Carruthers) Bigham In-
surance TG&Y Harker Heights Dil-
lards K-Mart Don Corbin CPA
Hilliard Insurance American State
Bank Young’s Sporting Goods Dis-
count Car Stereo John ancock
tu al In s. (D istr ic A en cy
S eed Print W western Auto All
S tate Insurance (D on Joh ston
(Fowler Terry) AAA Insurance Cen-
tral Insurance arlisle-Barr In-
surance State Farm Insurance (Mike
Acosta) (Sid Sims) (Paul Rothband)
N ation al ife & A ccid en (Stan
ayne) harlie illiard obile
om es lan en ship Insurance
Cahoot’s Record & Tapes.
AMERICAN NATIONAL INSURANCE COMPANY
615 N. 8TH ST.. P. O BOX 1086
KILLEEN. TEXAS 76540
BUS: (817) 526-3061
RES: (817) 634-6494
The
LOUIS A. HANSEN C.L.U.
Representative
P.O. Box 806
517 North Gray St. Bus. (817) 526-4004
Killeen exas 76541 Res. (817) 699-1395
2 3 0 0 E. A N IE
.O BOX 4 8 5
KILLEEN. TX 7 6 5 4 1
600 FT. HOOD ROAD
KILLEEN. TEXAS
S tan ley J. ayne
Bo* 485 or 2300 E. Rancier Ave
Killeen Texas 76541
Business Phone. 817 -634 -228 0
om Phone 817 -5 26 3161
EMMETT J. BELOTE
a a
a
a I
AAA INSURANCE AGENCY inc.
AUTO HOME BUSINESS
634-22eo
O E 5 4 7 2 5 2 7
O
DEL TIPPS 526-6678
634-8154
“If you’re both working
National Life and
Accident has abetter
way to insure you both.
Ask your agent about
Joint Life.”
-7
\n M.T imp.nn
a
DAVID A. MASTKRS
A .ii
698-3388
(A O N
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The Fort Hood Sentinel (Temple, Tex.), Vol. 41, No. 45, Ed. 1 Thursday, March 17, 1983, newspaper, March 17, 1983; Temple, Texas. (https://texashistory.unt.edu/ark:/67531/metapth309595/m1/7/: accessed July 16, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Casey Memorial Library.