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Understanding a Policy Illustration is Vital When
Buying Life Insurance By RICH PRESTON
Specially Written for The Westfield Leader and The Times
A policy illustration is a table or graph that life insurance agents use to show the premium payments, death benefits, cash values and dividends that might apply to a particular life insurance policy over a given period of time.
Such policy illustrations are not new. Years ago, they were known as ledger statements.
In recent years, however, they have become more complex, largely because there are now so many different types of life insurance policies available.
When buying life insurance, it is important not to focus only on an illustration, but also on whether the product meets your needs, whether the company has a good track record and whether you feel the agent merits your trust.
As you look at an illustration, here are a few things to keep in mind:
· Make sure that the illustration is up to date. Interest rates and other factors fluctuate, so illustrations can become outdated rapidly.
· Make sure that the classification is appropriate for you. For example, if the numbers shown apply to a non-smoker and you smoke, the illustration will not be valid for you.
· How are the premiums assumed to be payable — annually, monthly or otherwise?How willthenumber,frequency, timing and amount of payments affect the level of death benefits and cash values?
· Be sure to differentiate between cash values and death benefits calculated using projected interest rates; the current interest rate; and those calculated using the guaranteed rate — the absolute minimum the company will credit as long as the policy is in force.
· Does the policy have a level death benefit? Or, in the case of some types of policies, will the death benefit increase if the company’s investment and other experience is favorable?
· What is the minimum death benefit guaranteed in the policy, regardless of the company’s experience?
· Be sure to ask for a complete and understandablelist ofsurrenderandother charges and fees as well as any variables in the policy, such as dividends, interest rates and administrative costs.
By knowing something about how illustrations work, you can understand their function and have a better perspective on your life insurance program.
Remember that an illustration of future policy values merely presents one scenario of what may lie ahead. The more you understand your life insurance policy, the more effective your coverage will be.
* * * * *
RichPreston, anativeWestfieldernow residing in Madison, is an agent for Northwestern Life Insurance in Springfield.
Dramatic Club to Perform
Snow White Goes West
The Cranford Dramatic Club (CDC) will present a musical children’s show, Snow White Goes West, on Saturdays and Sundays, December 5, 6, 12 and 13, with matinees each day at 1:30 and 4:30 p.m., and evening performances at 7:30 p.m. only on the two Saturdays.
Tickets are $5 for children and $7 foradults. Reservationsmaybemade by calling the CDC Theater, located
WESTERN THEATER…The Cranford Dramatic Club, located at 78 Winans Avenue in Cranford, will present a musical children’s show, Snow White Goes West, on Saturdays and Sundays, December 5, 6, 12, and 13, with matinees each day at 1:30 and 4:30 p.m., and evening performances at 7:30 p.m. only on the two Saturdays. Pictured, left to right, are: Jean McCauley, who will play Snow White, and Richard Sibello, portraying Joe Prince.
at 78 Winans Avenue in Cranford, at (908) 276-7611.
This lively western version of
Snow White and The Seven Dwarfs
is directed by Madge Wittel and produced by Liz Howard. Mary Beth McFall is the musical director, with Melissa Loderstedt serving as Assistant Director. Mary Brunton Webb is the choreographer for the show.
Actress Joyce Randolph To Host Tree Lighting
WESTFIELD– OpenMRIofNew Jersey will sponsor its annual tree lighting ceremony in front of the establishment’s office at 401 Central Avenue, on the corner of South Avenue, this Sunday, December 6, at 5 p.m.
The event will include Christmas carolswith theChildren’sandAdult’s Choir of Holy Trinity Parish, and holiday music provided by 12 members of the Westfield High School Marching Band.
Actress Joyce Randolph, best known as Trixie Norton from the
“Honeymooners” television series, will host the program.
The invocation will be given by the
Joyce Randolph Thomas Cherin Maintains
Diamond Club Affiliations
WESTFIELD – Thomas D. Cherin, a designer-goldsmith whose business is located at 112 Quimby Street in Westfield, has maintained his membership in the New York Diamond Dealers Club and the Diamond Trade Association for 20 years.
Mr. Cherin emphasized that his affiliations have allowed him to provide the public with a prime choice of a variety of stones at the closest price to the source. He added that with no “middleman” involved, he can purchase stones directly, allowing him to offer his customers “very reasonable prices,” as well as his expertise.
He said he prefers selling stones which are accompanied by a certificate from the Gemological Institute of America, of which he is a graduate. The organization, Mr. Cherin explained, grades the stones and issues a certificate of quality based on a universal grading system.
The jeweler noted that he will explain the grading system and help customers develop a plan for purchasing a diamond.
He added that, due to his membership in the New York Diamond Dealers Club, his resources are “unlimited.” According to Mr. Cherin,
this enables customers to make purchases “without compromising on selection, quality, and price.”
For more information, please call (908) 654-3425.
NEW SALES ASSOCIATE…Tammy Gabriel-Lieberman has joined Burgdorff Realtors ERA as a Sales Associate in its Westfield Office, located a 600 North Avenue, West. Mrs. Gabriel-Lieberman specializes in residential home sales in the local area. She is married to Eric Lieberman, a Westfield police officer. Mrs. GabrielLieberman may be reached at (908) 233-6756.
NEW FACE IN SALES…Burgdorff Realtors ERA recently welcomed Elizabeth Bataille as a Sales Associate in its Westfield Office, located at 600 North Avenue, West. Ms. Bataille, a top producer, has earned membership in the New Jersey Association of Realtors’ (NJAR) Million Dollar Sales Club since 1989. She received the Silver Million Dollar Club Achievement Award in 1997 and has accomplished over $5 million in sales this year. Ms. Bataille may be contacted at (908) 518-5294.
Animal Adoption Agency Announces Holiday Bazaar
Best Friend Dog and Animal Adoption, Inc. (Charlotte’s Animals) will hold a Flea Market/Holiday Bazaar on Saturday, December 5, from 9:30 a.m. to 3 p.m. at the Veterans of Foreign Wars (V.F.W.) John Ruddy Post, 6 Broadway, in Clark.
Gifts, handcrafted items, Christmas decorations, household items, toys,gamesand jewelrywillbeavailable.
Proceeds will be used to pay for veterinary care, inoculations, neutering and boarding of rescued and homeless pets awaiting adoption.
The group will accept donations of new or good condition clean articles.
Large pieces or furniture and articles cannot be accepted.
Donationsmay onlybedroppedoff tomorrow, Friday, December 4, at the V.F.W. Hall from 6:30 p.m. to 9 p.m.
A volunteer with a small truck or van is needed for only one hour after 4:30 p.m. on December 4 to move items from storage to Clark. Volunteers are also needed to remove unsold articles to storage on Saturday afternoon after 3:30 p.m.
Tovolunteer, pleasecall(908)2339041. To make a tax deductible donation, please contact: Best Friend Dog and Animal Adoption, Inc., P.O. Box 335, Cranford, 07016.
For furtherinformation,pleasecall (908) 486-0241 or (732) 388-6498. Reverend Patrick DeGeorge of the
Holy TrinityRomanCatholicChurch in Westfield.
The outdoor program will be followed by the tree lighting, a visit from Santa with gifts, and refreshments.
John K. Bennett Named Partner at Law Firm
WESTFIELD — John K. Bennett of Westfield has joined the law firm of Connell,Foley& GeiserLLPinRoseland as a partner and will chair the firm’s Labor and Employment Law practice group.
Connell, Foley & Geiser specializes in business legal services.
Mr. Bennett’s practice represents employersinemployment-relatedlitigation in federal and state courts and agencies, representing management in labor-relations matters,andemployee-benefitslaw.
Prior to joining Connell, Foley & Geiser he was a senior partner with
John K. Bennett
Carpenter,Bennett &MorrisseyofNewark andamemberof itsLabor&Employment Group for 17 years. From 1980 to 1981, he was a law clerk for the Honorable Robert L. Clifford, Justice of the New Jersey Supreme Court.
Mr. Bennett received a Bachelor of Arts degree magna cum laude from Lafayette College in Easton, Pennsylvania. He completed a Doctor of Jurisprudence (JD) degree cum laude at Seton Hall University School of Law in Newark, where he was articles editor of its Law Review.
He received a Master of Law (LL.M.) degreesummacum laudefromNewYork University School of Law, achieving the highest grade-point average in the school’s Labor Law Program.
Mr. Bennett is a member of the Executive Committee of the Labor and Employment Law section of the New Jersey State Bar Association. He is also a member of the Labor and Employment and Litigation sections of the American Bar Association.