Fall 2017

CATHOLIC SCHOOLS SWEEPSTAKES KICKOFF

ALL AMERICAN SCHOLARSHIP ANNOUNCED

BRANCHES IN ACTION

IN THE KITCHEN

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Dear Member:

Despite the fact that I’ve been out of school for a number of years, I find the start of the new school year exhilarating. Maybe it’s the new clothes or perhaps it’s the cooler temperatures. Whatever the reason, fall brings with it a sense of possibility.

At Catholic Life, we’ve had a busy summer and we anticipate a busy fall as we race towards the end of the year.

Seminarian Scholarship Program Thirty years ago this fall, a dream that had its roots in our founding came true. In 1987, we awarded our first scholarships to those studying for the Roman Catholic priesthood. Since that time, we’ve provided financial support to more than 133 young men studying at 18 seminaries worldwide.

Of those who received scholarships, 91 have been ordained priests. We have just awarded our 2017-2018 scholarships. These recipients, like our first two 30 years ago, show great promise. We invite you to learn more about our seminarian programs on page 6.

All American ScholarshipsOne of the many benefits of membership is our All American Scholar Program. Over the last 10 years, we’ve helped 520 Catholic Life members get their start in college. These are all good students who’ve studied hard and have done well in school. More importantly, these students have all worked to make their parish and community a better place to live by volunteering. In 2018, we’ll award a $1,000 scholarship to 35 Catholic Life members who are graduating high school seniors. Please see pages 12-14 for the rules for applying and an application.

Updated WebsiteBy the time you receive this magazine, we will have unveiled our new website. Like owning a home, your website needs updating every few years. While the look has changed, our address has not. You can still find us as www.cliu.com. Please see page 6 for more information.

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

Sincerely,

J. Michael BelzPresident/CEO

BOARD OF DIRECTORS

Tommy J. Hoelscher, FIC Chair, St, Lawrence, Texas

Michael Stolowski Vice Chair, St. Hedwig, Texas

Doris Short Secretary, Arlington, Texas

Robert (Lester) Moczygemba, Sr. Floresville, Texas

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

Sandy King Llano, Texas

Jo Ann Shimek, FIC El Campo, Texas

Felix J. Skarpa, FIC Dayton, Texas

J. Michael Belz, LLIF President/Chief Executive Officer

SPIRITUAL ADVISOR

Most Reverend Gustavo García-Siller San Antonio, Texas

SPIRITUAL ADVISOR EMERITUS

Most Reverend José H. Gomez Los Angeles, California

EXECUTIVE OFFICERS

J. Michael Belz, LLIF President/Chief Executive Officer

Colleen Z. Berger, CPA, CGMA Vice President/Controller

R. Dennis Best, CLU, ChCF, LLIF Vice President/Director of Agencies

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

Technologies

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

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

Patricia G. Gutierrez Vice President/Operations/Corporate Secretary

Thomas M. Petri, CPA Vice President/Treasurer

OFFICERS

Joy Burditt Asst Vice President/Operations

Wendy Estess, FLMI Asst Vice President/Accounting Manager

Dawn Fanfelle, PHR, FLMI, FIC Asst Vice President/Human Resource & Agent

Recruiting Director

Ramiro Flores, RPA Asst Vice President/Property Manager

Mildred Foerster Asst Vice President/Operations

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

Agencies & Training

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

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

Johnny Salazar Asst Vice President/Systems Administrator

Susan M. Skrzycki Asst Vice President/Operations

Peggy von Kaufman, CISP Asst Vice President/Operations

Kristy Winkler Asst Vice President/Accounting Manager

MESSAGE FROM THE PRESIDENT

President/CEO – J. Michael Belz

Catholic Life Insurance | 3

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

FEATURES

IN THE NEWS 4

BRANCHES IN ACTION 15

IN THE KITCHEN 22

SEMINARIAN SCHOLARSHIP WINNERS NAMED 6

Meet the most recent recipients of the Msgr. Henkes and the Msgr. Stuebben Fund Seminarian Scholarships and tomorrow’s future priests.

MSGR. HENKES SCHOLARSHIP CELEBRATES 30 YEARS 7 Supporting our faith-based community is a core value of Catholic Life. The Msgr. Henkes Fund has been financially assisting seminarians since 1987.

ALL AMERICAN SCHOLAR 12

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

DEPARTMENTS

COVER

Hidden deep in a remote Hill Country canyon lies a fall color display that rivals any found in New England. Each November at Lost Maples State Natural Area, bigtooth maple trees transform into a spectacular blaze of red, yellow and orange hues.

FALL 2017

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Texas A & M University students pose enthusiastically with Rev. Brian McMasters and Director Sandy King following the presentation of a donation to the St. Mary’s Catholic Center. Catholic Life has given approximately $20,000 to the Center.

General Agent Jimmy Tirres presents a check on behalf of Catholic Life to Chrysalis Ministries Executive Director Nino Tarantino. Our donation will help with their back- to-school supplies drive.

For over 75 years, Chrysalis Ministries has provided chaplaincy and reentry services to men, women, juveniles, and their families in the San Antonio Metropolitan and Karnes City areas. Whether in prison or back home, Chrysalis Ministries provides hope, help, and vital information that positively impacts their lives, reunites families, and strengthens the community.

WE SUPPORT CHRYSALIS MINISTRIES

WE SUPPORT CAMPUS MINISTRY

PAYING WITH ONLINE CHECKS If you are paying your life insurance, IRA or annuity premium with an online check, be sure that you enter the correct payment amount. Don’t forget to include the account number that the funds are to be applied to in the memo section of the check. This insures that your payment is applied to the correct certificate to avoid an error or possible termination of your certificate. If the payment is to be applied to several accounts, make sure you include all account numbers.

Having your premium automatically taken out of your bank account is the best way to insure that you don’t miss a payment. To set up a bank draft, please contact our Membership Service Dept.

CATHOLIC LIFE INSURANCE IS ON FACEBOOK! Interact with Catholic Life Insurance in a whole new way and learn more about the latest news, events, and valuable volunteer opportunities we have to offer. If you have your own Facebook profile, simply search for “Catholic Life Insurance” on the Facebook website and click the “Like” button located at the top of our Page and start sharing with us today!

us on Facebook

Gabriella Pena receives the Golden Certificate Award from Agent Carol Maurer and General Agent Darrell Labus. Mrs. Pena bought her policy from the late Emil Bednorz in George West, Texas. Pena was serving as the housekeeper at St. George Catholic Church at the time.

HONORING A LONGTIME MEMBER

GO PAPERLESS: Opt Out of Your Annuity Statement

You can now elect not to receive your annuity statement in the mail but to view your statements online only. To take advantage of this timesaving and

green opportunity, simply call the Membership Service Department at 1-800-262-2548 during regular

business hours and let them know you are interested in “Opting Out.”

Catholic Life Magazine | 5

For the 11th year, Catholic Life Insurance is doing what it can to help Catholic schools raise needed funds. Over the past 10 years, through the Catholic Schools Sweepstakes, Catholic Life has helped raise more than $7 million for Catholic schools. This year 57 schools from 10 dioceses are taking part in the program.

“As the school year begins many schools have immediate financial needs. All monies raised through this program go directly and immediately to the school,” said President Belz. “This is our way of helping Catholic schools and giving back to our faith-based community. We are proud of what we have been able to accomplish thus far for Catholic education.”

Students are selling $5 raffle tickets that will be entered into a drawing that will take place at the Home Office on January 31, 2018. The grand prize winner will have the choice of a 2018 Truck, a 2018 Sedan or a pre-paid $20,000 VISA card. Additionally, every participating school will have a $1,000 Prepaid VISA Card winner. Catholic Life prints the raffle tickets and all marketing materials as well as underwrites all prizes.

“The primary purpose of this program is to raise funds for needy schools,” added Belz. “We hope as a byproduct that it will increase the awareness of Catholic Life.”

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

Diocese of AmarilloHoly Cross Catholic Academy – AmarilloSt. Anthony Catholic School – Hereford

Diocese of AustinSt. Joseph Catholic School – Bryan

Diocese of BeaumontSt. Catherine’s Catholic School – Port Arthur

Diocese of Corpus ChristiOur Lady of Perpetual Help Catholic School – Corpus ChristiCentral Catholic Academy – Corpus Christi

Diocese of DallasGood Shepherd Catholic School – GarlandMount St Michael Catholic School - DallasSt. Joseph Catholic School – WaxahachieSt. Mary of Carmel Catholic School - Dallas

Diocese of Fort WorthImmaculate Conception Catholic School – DentonSacred Heart Catholic School – MuensterSt Mary’s Catholic School – Gainesville

Archdiocese of Galveston-HoustonHoly Rosary Catholic School – RosenbergOur Lady of Lourdes Catholic School – HitchcockSt. Jerome Catholic School – Houston

Diocese of LaredoOur Lady of Refuge – Eagle Pass

Archdiocese of San AntonioBlessed Sacrament Catholic School – San AntonioHoly Cross of San Antonio – San AntonioHoly Name Catholic School – San Antonio Incarnate Word High School – San AntonioJohn Paul II Catholic School – New BraunfelsLittle Flower Catholic School – San AntonioNotre Dame Catholic School – KerrvilleOur Lady of Grace Catholic School – Pleasanton

Our Lady of Perpetual Help Catholic School – SelmaOur Lady of the Hills Regional High School – KerrvilleProvidence Catholic Schoo – San AntonioRolling Hills Catholic School/Antonian Middle School – San AntonioSacred Heart Catholic School – FloresvilleSacred Heart Catholic School – UvaldeSt. Anthony Catholic High School – San AntonioSt. Gerard Catholic School – San AntonioSt. Gregory the Great Catholic School – San AntonioSt. James Catholic School – SeguinSt. John Berchmans Catholic School – San AntonioSt. John Bosco Catholic School – San AntonioSt. Leo the Great Catholic School – San AntonioSt. Louis Catholic School – CastrovilleSt. Luke Catholic School – San AntonioSt. Mary Magdalen Catholic School – San AntonioSt. Mary’s Catholic School – FredericksburgSt. Monica Catholic School – ConverseSt. Paul Catholic School – San AntonioSt. Peter Prince of Apostles Catholic School – San AntonioSt. Pius X Catholic School – San AntonioSt. Thomas More Catholic School – San Antonio

Diocese of VictoriaHoly Cross Catholic School – Bay City Our Lady of the Gulf Catholic School – Port LavacaOur Lady of Victory Catholic School – VictoriaSacred Heart Catholic School – HallettsvilleShiner Catholic School – ShinerSt. Anthony Catholic School – ColumbusSt. Joseph’s Catholic School – YoakumSt. Rose of Lima Catholic School – SchulenburgSt. Michael’s Catholic School – CueroSt. Michael’s Catholic School – Weimar

PARTICIPATING CATHOLIC SCHOOLS INCLUDE:

CATHOLIC SCHOOLS SWEEPSTAKES PROGRAM BEGINS WITH NEW SCHOOL YEAR

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

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

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

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

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

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

Fernando Ricaud-Cavazos

Samuel Bass

Jorge Verduzco

2017 SEMINARIAN SCHOLARSHIPS AWARDED

We’re rolling out a new look at www.cliu.com that we hope you’ll like. We invite you to come see what’s new:

• Enhanced Support for Mobile Phones and Tablets• Simplified Navigation• Increased Security• Informative Blog

OUR WEBSITE HAS A NEW LOOK!

Three first-time and eight repeat scholarships were awarded for the 2017-2018 academic year through the Msgr. Henkes and Msgr. Stuebben Seminarian Scholarship Funds. Both non-profit funds are designed to help pay for seminary tuition and expenses. Since 1987, more than $400,000 in scholarships funds have been awarded.

Fernando Ricaud-Cavazos of Irving, Texas and Samuel Bass of Austin were awarded a first-time $2,000 scholarship through the Rev. Msgr. Albert George Henkes Seminarian Scholarship Fund.

Ricaud is a first-year Theology seminarian with St. Mary’s Seminary in Houston, Texas. He plans to serve the Diocese of Austin. Bass is currently a Theology I seminarian at the Pontifical North American College. He is studying to serve the Diocese of Austin, as well.

Repeat scholarships were also awarded to past winners Duncan Amek studying at Assumption Seminary in San Antonio, William Hayes studying at Theological College in Washington, D.C., and Michael Caraway and Christopher Smith, both of whom are studying at the Pontifical North American College.

This scholarship honors the late Msgr. Henkes who served as Catholic Life’s Spiritual Advisor for 27 years. The scholarship is open to any resident of Texas, Arizona, Florida, Louisiana, Oklahoma, New Mexico and Mississippi who is enrolled in a Roman Catholic Seminary. Scholarships totaling approximately $210,000 have been awarded through this non-profit fund since its establishment in 1987.

Jorge Verduzco was selected as a first-time recipient of the Rev. Msgr. Lawrence J. Stuebben Seminarian Scholarship. Verduzco is a Theology I seminarian studying to serve the Archdiocese of San Antonio.

Repeat scholarships were awarded to Johnson Le, Pedro Martinez, Joseph Moreno, and Randolph Hopkins, Jr. All of Msgr. Stuebben Fund recipients attend Assumption Seminary in San Antonio, Texas.

This scholarship fund was established in 1994 in honor of the late, Msgr. Lawrence J. Stuebben to help future priests in their journey towards ordination. This non-profit fund has awarded scholarships totaling $194,000 since its founding.

Catholic Life Magazine | 7

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

In their financial strength rating rationale, A.M. Best stated, “The ratings of Catholic Life Insurance reflect its improved business mix, reduced producer concentration and continued growth in unassigned funds in capitalization.”

They also stated, “CLI has in recent years, strategically moderated sales of annuities while focusing on growing sales of life insurance to reduce the overall product concentration risk within its business mix. The society has also diversified its distribution to reduce the concentration of premium revenue generated by certain producers. Unassigned funds have steadily grown from relatively consistent operating profitability derived from its annuity business.”

For the latest rating, access www.ambest.com.

RATING SERVICE AFFIRMS EXCELLENT STATUSA.M. BEST COMPANY, AN INDEPENDENT INSURANCE INDUSTRY RATING AGENCY, HAS REAFFIRMED CATHOLIC LIFE INSURANCE’S FINANCIAL STRENGTH WITH AN A-(EXCELLENT) RATING WITH A STABLE OUTLOOK. THIS IS THE 34TH CONSECUTIVE YEAR THAT CATHOLIC LIFE HAS EARNED THE “EXCELLENT” RATING.

MSGR. HENKES SEMINARIAN SCHOLARSHIP FUND CELEBRATES 30 YEARSMore than 30 years ago, the shortage of priests and the lack of men entering the seminary worried our Board of Directors. They knew that there was no one solution to the problem, but they thought that providing financial aid to seminarians would be helpful.

At the same time, Rev. Msgr. Albert Henkes, who had been Catholic Life’s spiritual advisor for nearly 30 years, was in declining health. The Board decided to fill two needs with one deed: honor Henkes and help alleviate the priest shortage.

Through Msgr. Henkes’ generosity and that of Catholic Life, they were able to raise $50,000 seed money. They established $100,000 as their fundraising goal and set out to meet it.

In his introduction to convention delegates that year, then Chairman Herbert Popp said, “The Rev. Msgr. Albert Henkes Seminarian Scholarship Fund, a fitting memorial to a chosen servant, will always remain in our hearts and minds to give testimony to the unlimited love and spiritual guidance that Rev. Msgr. Henkes has brought to Catholic Life.”

Msgr. Henkes was a beloved priest who was both well-known and well-liked. As a result, funds rolled in.

“As a former parishioner of Msgr. Henkes, I am proud to be part of this tribute to a great man and at the same time help those studying for the priesthood, “ wrote then San Antonio Mayor Henry Cisneros. “I urge all Catholic families to give generously to this cause.”

While the fundraising goal was met less than two months later, Msgr. Henkes died before the first scholarships were awarded.

In 1997, seminarians John Valdez and Byron Miller who were studying at Assumption Seminary became the fund’s first scholarship recipients. Today Rev. John Valdez is the pastor of St. Thomas the Apostle Church in Amarillo and Rev. Byron Miller, CSsR, is the president and publisher of Liguori Publications.

Thirty years later, the scholarship fund has done its part in helping offset the cost of the seminary. As for honoring Msgr. Henkes, his name lives on for the 56 scholarship recipients that are now priests.

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

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

Make a difference in someone’s life this year!

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

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

Make A Difference Day 2017: October 28th

More than 220,000 drivers pass by our building each day. We believe that a picture is worth a thousand words so we use photos on our Home Office Monument Sign to share information with these drivers about the products and services we offer. We also use photos to celebrate National Prayer Day, Mother’s Day and Memorial Day along with many other special dates. Just as important, photos provide a diverse backdrop to our time and temperature sign displays.

Because we would like to celebrate the places that our members hold dear, we are excited to announce the 2017 “Land That I Love” Photography Contest. We invite members to share photos of the places that are special to them. We will display winning photos in our magazine and on our sign.

What to EnterWe invite members to enter a photo that they have taken of their favorite place.

1. Each photo must be an original photo taken by a Catholic Life member.

2. A member may submit multiple photos, but only one photo can be a winner.

3. You should submit photos in a digital format to photos@cliu.com. • Digital images (.jpg, .jpeg, tiff or .gif format) must be at least 300 dpi (resolution). There is a 4 MB maximum per image. Please email each image separately.

• If email is not an option, you can mail a CD to Catholic Life Insurance-Photo Contest at PO Box 659527, San Antonio, TX 78265-9527. We are unable to return any CD that we receive. Catholic Life is not responsible for lost or damaged CDs.

4. Each entry must indicate:• Title of photo• The member’s name, address, phone number and email• The member’s date of birth• Where you took the photo and when you took the photo.

Your Photo May be Sign-Worthy Photo Contest

Contest Dates: July 1- October 13, 2017. Submit all photos by October 13, 2017.

Age Categories

Young Adult -Age 8-17

Adult- Age 18+

Prizes

We will pick 1st, 2nd & 3rd place winners as well as Honorable Mention in each age category.

1st Place: $250, 2nd Place: $175, 3rd Place: $125, Honorable Mention: $100.

Questions – Please call the Communications Dept. at (210) 828-9921 or email us at branch@cliu.com.

Announcing the 2017 Monument Sign Photography Contest – The Land I Love

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JOYCE BARTAGreater Houston Branch Officer Joyce Barta passed away on July 3. She was 88.

Barta served as a Branch Vice President from 2000 until her death.

A Funeral Mass was held July 10 at St. John the Baptist Catholic Church in Ammannsville. Interment followed at the Ammannsville Catholic Cemetery.

Barta is survived by her daughter and two sons; 7 grandchildren and 7 great grandchildren.

Eternal rest grant unto them, O Lord, and let perpetual light shine upon them. May the souls of the faithful departed, through the mercy of God, rest in peace. Amen

Remind each other for our dependence upon Almighty God

In this column, I am sharing with you some thoughts I expressed recently at an interfaith and ecumenical prayer event.

People from every walk of life, from many different faiths in our cities, state capitals, and our nation’s capital need to remind each other of our dependence upon Almighty God for all the blessings we know in this country, and to ask for God’s guidance — that we may be a nation, a people, worthy of his blessings. That freedom to express our faith, and to live our lives by faith’s moral callings, are among the first freedoms we enjoy as Americans. We ask for God’s blessings upon our cities, our states, and our United States of America.

More recently, I have been moved by the words of Abraham Lincoln, when he gave his second inaugural address. The Civil War was in its final days, and many people were calling for recriminations to be expressed in our society. But Abraham Lincoln understood that we needed to be one people, united in purpose and love of nation. It was not a time for recriminations, but rather, a time when mercy was needed to bind the nation’s wounds.

Lincoln said: “With malice toward none, with charity for all, with firmness in the right as God gives us to see the right, let us strive on to finish the work we are in, to bind up the nation’s wounds, to care for him who shall have borne the battle and for his widow and his orphan, to do all which may achieve and cherish a just and lasting peace among ourselves and with all nations.”

President Lincoln was a politician, and not a theologian! Yet, we know that real faith was beating in his heart, and that he was calling us to unity. At a time when we have been through great national debates, let us continue to ask for God’s blessings.

Let us pray. O God, you have made all things, most especially the human person in your own image and likeness. Send forth, we ask you, the Holy Spirit of your love upon our nation and our cities, that we may be a people of charity and Godly justice. Bind us together as one. Do not allow differences of opinion to disunite us, but help us to stand as the guardians of each one’s freedom and dignity. Send your wisdom upon our elected leaders and public servants, that they may keep us living in safety, liberty, and with the opportunity to accomplish much good in our moment of history. Make us attentive to the needs of the orphan and the widow, the poor and the sick, and all persons in need of protection. You have taught us, O God, that our care for the weakest among us is the measure of our morality as a nation. Give us firm purpose in doing what is right and good. We ask this in your most Holy Name. Amen.

Most Reverend Gustavo García-Siller

Catholic Life Insurance Spiritual Advisor

I N A C T I O N

Catholic Life Magazine | 9

11. Diane Mann Hondo, Texas

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

Houston, Texas

4. Geraldine Martinez, FIC Bastrop, Texas

9. Monica Mikeska Temple, Texas

10. Sharon Duesterhaus Voss, Texas

LEADING REPRESENTATIVES

8. Al Simnacher, FIC Hereford, Texas

7. Bert Kenna, FIC Yoakum, Texas

5. Joe Dominguez, FIC Houston, Texas

6. Wendy Janak, FIC Hallettsville, Texas

2. Patrick Klozik, LUTCF, FIC Shiner, Texas

1. Loretta Schmidt, FIC Fredericksburg, Texas

3. Elaine Labus Floresville, Texas

12. Randall Harred, LUTCF Pleasanton, Texas

Top ProducersAS JUNE 30, 2017

LEADING PERSONAL

PRODUCING GENERAL AGENTS

LEADING AGENCIES

3. Fidelis Fetsch, Jr. Canyon, Texas

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

San Antonio, Texas

3. Case Hollub Hollub Agency Weimar, Texas

1. Michael Scardino, FIC Weimar, Texas

2. Glenn Snoga Seguin, Texas

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Catholic Life Magazine | 11

By R. Dennis Best, CLU, ChCF, LLIF, FIC, CSA Vice President/Director of Agencies

ME OR MY GRANDCHILDREN – DO I HAVE TO CHOOSE?What makes a successful retirement?

Is it having the time and resources to

travel and do things you were unable

to do when you were raising a family

and building your career? Or is it

having a lot of money in the bank?

Research shows that people in

retirement are not always happy,

even those with a higher level of assets. Why? It all comes down

to money. Most people dream of passing an inheritance to their

children and grandchildren. At the same time, they worry about

having sufficient assets for their everyday life. The cost of a potential

stay in a nursing home or assisted living facility also scares them.

Catholic Life Insurance has designed a plan with people like this in

mind. We call it Single Premium Whole Life Plus. This plan provides

money should you become chronically ill and need nursing home

care, memory loss care, assisted living or home health care and

provides heirs with an income tax free inheritance upon death.

Single Premium Whole Life Plus has a built-in guarantee that you

or your heirs will benefit from this coverage. How?

Catholic Life will pay one of the following;

• A Death Benefit

• Chronic Illness benefits plus the remaining Death Benefit.

Owning Single Premium Whole Life Plus provides peace of mind.

It allows you to take a portion of your assets to take care of both

inheritance and nursing home concerns. This allows you to turn

your attention to living well with the money remaining in your

retirement nest egg.

Individuals between 40–78 years of age who have not been

hospitalized or had major health concerns within the past year can

apply for Single Premium Whole Life Plus.

Call your agent or the Home Office for more details.

3.25%*APY

*Includes Current Yield + 1.25% First Year Additional Interest. Interest rates are subject to change. Minimum guaranteed rate is 1.50%.

Home Office: San Antonio, TX #ASU 12.16

TAX -DEFERRED ANNUITIES · IRAs · ROLLOVERS

Do Your Long Term & Retirement Savings Plans Stack Up?

For Information Call Your Local Agent or the Home Office:

1-800-262-2548

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35 College Scholarships Now Available from Catholic Life!

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

ELIGIBILITYStudents must plan to enroll full-time in a public or private college/university or trade school for the Fall 2018 semester. The $1,000 scholarships will be awarded to deserving students to help offset the cost of post-secondary education.

CRITERIA All applicants:

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

▷ Must maintain membership during the scholarship period.

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

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

▷ Must display leadership skills.

▷ Must be an active volunteer.

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

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

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

▷ Funds must be used by Dec. 31, 2018.

▷ News releases will be sent to local newspapers.

▷ Winners will be announced in Catholic Life Magazine.

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

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

All American Scholarship.

Catholic Life Magazine | 13

All American Scholar Award Application

GENERAL INFORMATION

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

Mailing Address

City State Zip

Daytime Phone Email*

Local Newspaper(s)

COLLEGE/UNIVERSITY/TRADE SCHOOL INFORMATION

Intended School for Fall Semester

Mailing Address

City State Zip

HIGH SCHOOL INFORMATION

School Name

Street Address

City State Zip

Graduation Date Class Rank

Class Size Cumulative GPA (4.0 scale)

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

Student’s Signature Date

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

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

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

Please type or print all information. Must be received by March 1, 2018.

Student must be a Catholic Life Insurance Member.

Certificate #:

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COMMUNITY SERVICE

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

event, dates of participation, and total hours worked.

EXTRACURRICULAR/OUTSIDE ACTIVITIES/EMPLOYMENT

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

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

employers, job/type of work and average number of hours worked per week.

ADDITIONAL REQUIREMENTS

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

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

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

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

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

experience changed you, changed how you interact with others, or changed your community? Print your name and Social Security

Number at the top of each page.

3. Include an official high school transcript.

4. Include a recent photo that is either professionally developed or sent via email. Photos printed on copy paper and/or from an at-home

printing device will not be accepted. Digital files (jpeg or tif) are acceptable, and must be at least 2x2 inches and 300 dpi.

All materials become property of Catholic Life Insurance. If emailing photos, send to branch@cliu.com. Please do not use staples to

attach application materials.

MAILING INFORMATION

TRADITIONAL MAIL: OVERNIGHT DELIVERY:

Catholic Life Insurance Catholic Life Insurance

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

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

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

Completed applications must be received by March 1, 2018. No exceptions will be made.

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

All American Scholarship, continued

Catholic Life Magazine | 15

WE RESPECT OUR FLAGWe are dedicated to celebrating the American Flag, not only on Flag Day, Memorial Day or Veterans Day, but all throughout the year.Our Branches help us honor the flag by presenting this sacred American symbol as a special donation to local community groups.

The Weimar Branch donates a new U.S. Flag to the St. Michael’s School at their Family Center. Branch Officer Karen Kutac presented the Flag to a school representative and students who were there to attend Vacation Bible School.

The East Bernard 4-H Club partners with the Nada Branch to line the local highway and St. John’s Catholic Cemetery with flags as a special tribute on Memorial Day.

Stonewall Branch Officers Mary Ann Nebgen and Jeanie Pehl present a new U.S. Flag to Judy Petsch, a Board Member of the South Grape Creek School.

The Ballinger Branch presents two new flags to Noon Lions Club representatives. The flags will be displayed at the Runnels County Courthouse during patriotic holidays throughout the year.

16 | cliu.com

WE RESPECT OUR FLAG

The Richmond-Rosenberg Branch presents a new United States Flag to the Needville Fire & Police Department. The presentation, which took place during the department’s monthly meeting, gave the Branch a chance to thank them for their hard work and services to the city.

The Fort Worth Branch presents a U.S. Flag to the American Heritage Girls Troop #210 and Good Shepherd Catholic Community.

The Boy Scouts work with Shiner Branch members to place flags on the veterans’ graves at local cemeteries for Memorial

Day. Each year, these groups honor their deceased veterans and the sacrifices they made for our country.

The High Hill-Schulenburg Branch presents an American Flag to the St. Rose Parish, which will be flown at the St. Rose Catholic Cemetery.

Rockne-String Prairie Branch President Gerri Martinez presents a new U.S. Flag to the Rockne Historical Association for their museum.

Catholic Life Magazine | 17

Graduating high school seniors of the St. Louis Catholic Parish pose with new crucifixes given to them by the Castroville Branch. The Branch gifts these crucifixes each year for the graduates to take with them to college.

The local Life Teen Group joins the Northwest Houston Branch at St. Jerome’s Charity Center to assemble hygiene kits. These kits, which go to the underprivileged, contain toiletries like toothbrushes, toothpaste, soap and shampoo.

The Rockne-String Prairie Branch partners with the St. Ann’s society and the CCE youth

program to host a bingo party for seniors. Admission to the event was a nonperishable

food item to benefit the Bastrop Food Pantry.

18 | cliu.com

Pecan Valley Branch Officers present a donation to Fr. Kennedy Nyumba and Mr. James Porter, Director of the Holy Name African Living Water Ministry. The donation will help build two permanent modern wells for Fr. Kennedy’s home village in Kenya. Villagers currently have to travel four hours round trip on foot to obtain fresh water.

Agent Mike Dieter presents scholarship awards to graduating

high school seniors Brenna Fleitman and John Rohmer on behalf of the Lindsay Branch.

To show appreciation for all they do, the Honey Creek Branch provides lunch and cake at Bulverde City Hall for local police officers.

The Falls City Branch assists the Holy Trinity Catholic Church Youth Choir to organize and clean their choir loft. This annual volunteer project helps the choir keep their space in good order so that they can remain productive throughout the year.

Catholic Life Magazine | 19

Downtown Moulton looks a little prettier thanks to the Moulton-Flatonia Branch. Branch President Aaron Gaertner presents a donation to Mary Ann and Catherine Wenske of Keep Moulton Beautiful. The donation purchased roses for the beautification project.

Local CCD students take pride in cleaning up the St. Boniface Catholic Church interior and grounds alongside the Olfen Branch.

Panna Maria Branch Officers Edwin Dzuik and Clarence Moczygemba present a donation to church representative Rosie Arguellez. The donation went towards the Vacation Bible School

program at St. Cornelius Catholic Church.

20 | cliu.com

Altar servers at Holy Trinity Catholic Church are happy to help the Corn Hill Branch hand out carnations to all of the mothers attending Mass on Mother’s Day.

St. Paul’s Youth Group members help the Hill Country Branch hand out baby bottles to St.

Paul parishioners. The bottles were used as vessels to collect monetary donations benefitting the

Highland Lakes Pregnancy Center.

Father Victor Valdez presents a donation on behalf of the Northwest San Antonio Branch to the President and Chairperson of the Los Sembradores

at San Fernando Cathedral. The Sembradores Educational Foundation promotes and funds higher education for deserving local students.

Muenster Branch members of all ages spend a special day together fixing up the flowers at Johnny Rohmer Memorial Park. They worked hard to weed the flower beds and lay down new mulch.

Catholic Life Magazine | 21

Brazosport Branch Officers gift 15 large box fans to Director Murphy Rankin of the Actions of Brazoria County. These fans will be given out to local seniors in need.

Community members and the St. Lawrence Branch team up to support the Life Center in the Permian basin. They collected many donations of handmade blankets, boxes of diapers, baby wipes, bath supplies, formula and clothing.

The residents of the local Homestead Assisted Living receive gifts of homemade cookies and candy during a special visit from the Weimar Branch.

CCE students help the Frelsburg Branch distribute flowers to all of the mothers attending Mass on Mother’s

Day weekend at Sts. Peter & Paul Catholic Church.

The Victoria Branch match their volunteer efforts at the Food Bank with a donation. Officers James

Rehak, Dorothy Rehak and Agent Eugene Rehak pose after spending time working at the center.

22 | cliu.com

Grilled Flank Steak Stuffed With Mushrooms and Blue Cheese1 flank steak, 3 lbs.½ lb. Mushrooms, sliced2 Tbsp. Butter2 Tbsp. Blue cheese1 clove crushed garlicSalt & pepper

Have your butcher make a pocket in your steak. Sauté mushrooms in 1 Tbsp. Butter, adding cheese, remaining butter and garlic. Season with salt & pepper. Fill the pocket with mixture and close with skewers. Sprinkle meat with salt & pepper and broil 3” from coals, until done. Slice in thin diagonal slices against the grain. Serve 4–6.

Charles has been making this for years. It’s always a hit. He picks a flank steak that is thick enough for a pocket – and usually cuts the pocket himself.

Coconut Macaroons14 oz coconut14 oz sweetened condensed milk1 tsp. vanilla1 egg white¼ tsp. salt

Mix coconut, milk, vanilla, and salt. Beat egg white to soft peaks and fold into mixture. Use ice cream scoop to place on parchment-lined pan. Bake 325 degrees for 25 to 30 minutes. Makes 22 cookies. When doubling the recipe, use 3 egg whites.

Moderner Deppekuche Irmtrud Thome*Fur 4 Personen1 kg KartoffelnSalz/PfefferPaprikaKnoblauch200 g geriebener KaseLeberwurst250 g Sahne

Die Kartoffeln reiben, mit salt, pfeffer, paprika, knoblauchpulver und 100 g geriebenen Kase (Emmentaler odor Gouda) vermischen. Die Halfte des Teiges in eine gefettete Auflaufform oder Gusstopf geben. Nach Belieben Leberwurst dick auf de Masse legen under mit den restlichen Kartoffeln abdecken. 250 g Sahne uber den Deppekuchen giessen und mit 100 g geriebenem Kase bestreuen. Ca. Eine Stunde bie 200 C im Backofen backen. Servieren mit Dampfapfeln oder Apfelkompott.

Here it is in English ---

Potato Casserole2 pounds potatoes (grated) I use southern style frozen grated hash brown potatoes½ tsp. salt½ tsp. pepperPaprika to sprinkle on top before baking1 clove garlic minced (you can use garlic powder instead)6 to 8 ounces of Gouda cheese or Emmental Cheese½ pound liverwurst (cut in slices) or ½ pound of raw bacon (sliced)2 cups heavy cream

1. Mix grated potatoes with salt, pepper, paprika, garlic and half the grated cheese

2. Put half the potato mixture into a greased cast iron pot or a casserole dish.

3. Layer liverwurst or bacon (or do without any meat) on potato & cheese mixture.

4. Top with the rest of the mixture.Pour cream overall and top with the rest of the cheese mixture,

sprinkle with paprika.6. Bake for 1 hour at 350 degrees in the oven. Serves four persons. (Will serve more people if you use it as a side dish)

On one of our trips to Germany – this was our first meal after the long plane ride and the car trip to Montebaur. Our friend (from Bladernheim, Germany) Irmtrud Thome, explained that this is a recipe our ancestors might have had for a meal. Irmtrud served it with applesauce. That was our entire meal – the casserole is large – and the four of us ate all of it and the applesauce. Fantastic! Your guests will ask for the recipe!

KITCHENin the Charles Schmidt has a talent and passion for cooking.

It started with a dinner club for couples, then evolved into hosting dinners for community and church

fundraisers. Charles was once a member of the “Hill Country Chefs,” a group that would auction a “dinner for

12” to raise thousands of dollars for the local hospital. He has cooked for former Presidents George Bush and George W.

Bush. When famous Californian vintner Robert Mondavi and his wife came to town, Charles served poached salmon to them.

Charles Schmidtwith

After he retired from dentistry after 34 years, Charles worked in two restaurants. At home, Charles cooks all of the meals for himself and his wife, Loretta. He particularly enjoys crafting beautiful desserts, like his peach sorbet. Enjoy these delicious recipes from our talented featured chef, Charles Schmidt.

Catholic Life Magazine | 23

CALLING ALLCOOKS!

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

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

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

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

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

take charge of your health.

Painless, non-invasive, keep your clothes on.

Getting Screened is Simple!

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

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Smoked Salmon Mousse8 oz cream cheese, room temperature¼ cup heavy cream1 scallion (green onion, white part and 3 inches green) thinly sliced1 tsp. fresh lemon juiceDash Tabasco sauce4 ounces smoked salmon, gently shredded2 Tbsp. red salmon caviar

Gently mix the cream cheese and cream in a mixing bowl. Stir in the scallions, lemon juice, and Tabasco sauce. Gently fold in the smoked salmon until well mixed, but not over mixed. The shreds of salmon should remain whole. Place in a serving bowl and top with small spoonfuls of caviar. Serve with crackers or toast rounds. Makes 2 cups.

Fresh Peach Sorbet1½ cups sugar½ cup water½ cup Orange Muscat Wine or Peach Brandy2 cups peaches, fresh or frozen, crushedJuice of 1½ – 2 lemons, unstrained2 egg whites2 Tbsp. Orange Muscat Wine or Peach BrandyGarnish: Mint Leaves

1. Mix together sugar, water and wine or brandy and stir mixture over very low heat until sugar is dissolved. Boil the mixture steadily for 5 minutes.

2. Remove from heat and add peaches and lemon juice.

3. Cool mixture thoroughly and stir in stiffly beaten egg whites and 2 Tbsp. of wine or brandy.

4. Freeze mixture in ice cream freezer. You can serve immediately or store in freezer. Garnish with fresh mint leaves.

Makes 6 cups.

No milk and no fat in this recipe!

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

Dawn Fanfelle, Recruiting Director 1-800-262-2548 ext. 168

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

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