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ten-year terms, and is relatively inexpensive for a parent or parents for whom it offers maximum protection when children are young and in sch o o l. The low est amount issued on a Term policy is $5,000, but it can g o up to $50,000, depending on age. Before the expiration of the Term policy, it can be changed to any other type. Whole Life gives protection for as long as on e lives and the premium remains the sam e. Unlike Term, Whole Life and all other life policies accum ulate ’’cash value,” which on e would get if the policy is surrendered. Loans can be made for emer g en c ie s on all policies, excep t Term and Accident, at 4%in- terest up to the then cash value of the policy. An Endow m ent policy offers life insurance protection and helps you accum ulate money, payable 20 years later. If one were to die before that period, the beneficiary would receive the full amont of the policy. Premiums are higher, but for so m eo n e without family obligations, an Endowment policy can be useful for saving money and yet being protected. There is also an Endow m ent at 65 policy. Then there are the 20-P aym ent Life and Life Paid-up at 65 policies, which are self-explanatory. On the first, premiums are paid for 20 years and the policyholder is insured for the rest of his life. Young people can get this policy cheaply and be covered for life. Paid-Up at 65 premiums are quite low for younger people. The Doule Protection to Age 65 policy is ideal for persons requiring larger amounts of protection but who cannot afford to pay higher premiums. The amount of the policy is payable at death before a g e 65, but one-half of the amount is payable at death after 65. Dues are payable during the lifetime of a member. It is a form of Term and Whole Life. Finally, there is a policy which all should have, the Accidental Death and Dism em berm ent (A D D ), which is the ch eap est of all and is issued for amounts of $5,000 only. Benefits are payable only in c a se of accidental lo ss of life or loss of a limb or limbs, or an ey e or both ey es, before age 65. Dues are payable to 65 or to prior death. Should the accident occur while the member is a p assen ger on a public c o n veyance (plane, subway, bus, train) the benedit is $10,000. This policy is issued from 16-55. A ccidents (auto and drowning) are the leading ca u se of death for young people. This is the 4th ranking ca u se of fatalities in the U. S. for the rest of the population. Also, there is a Double Indem nity Rider available on all adult life policies, in the event of accidental death. This rider is issued only at a g e s 16-55 and c e a se s at 65. D ues for Double In demnity are paid with the premiums. ЗАОХОТА ДО ДАРОВИХ ПЕРЕДПЛАТ ’’НАШОГО ЖИТТЯ” ДЛЯ БРАЗІЛІЇ Редакція ’’Нашого Життя” отримала за п о се редництвом референтки суспільної опіки СУА д -р Т ео д о зії Савицької такого листа від Ольги Корчаґін, директорки Інституту св. Ольги у Прудентополісі, Бразілія: Я отримую постійно "Наше Життя”. Журнапом користу ються шкільні діти, дівчатка молодш ого віку. їх цікавлять матеріяли, призначені для дітей — вірші, загадки, розваги й статті з ділянки нашого народнього побуту й мистецтва. Нещодавно виданий "Буквар” призначений для школярів наймолодш ого віку. Для школярів 2-4 кляс школа послуго вується журналами й книжечками для дітей. "Наше Життя" дуж е цікавий журнал. У ньому чимало повчального матеріялу. Старші прочитують цілий журнал. Parents and grandparents may wish to insure children in the UNA, which has several juvenile policies, issued to a g e 16. The Endow m ent at Age 18 is called the C ollege or Educational policy, as it matures when the member b eco m es 18 and the money is used for the insured’s education. (It is issued only up to age 10.) There is also a 20-Y ear Endow m ent and Endow m ent at Age 65, a 20-P aym ent Life and Life Paid-up at Age 65, and a Term to Age 16, which has no withdrawal value. A special rider is available on children’s policies, called the Payor Benefit Rider, which waives payment of d u es upon the death of the payor ( the person paying the premium). This means a juvenile member (up to a g e 21) would be exem pt from paying d u es after the payor’s death. Dividends are paid annually on all policies. Unlike insurance with commercial firms, membership in the UNA carries many benefits, such as aid to sick members and scholarships for UNA student members; also, children’s and tennis cam ps, music and folk dance workshops, Ukrainian cultural co u rses, cultural events and sports tournaments, all held at the UNA’s popular vacation resort, Soyuzivka, in the Catskills. Another UNA contribution are its publications the daily Svoboda (which can be subscribed to by members at a nominal sum of $7.80 annually altough it co sts the UNA $30.00 a year per subscriber), The Ukrainian Weekly (in English), and the Veselka magazine for children. The UNA has published two volum es of Ukraine A Concise Encyclopedia, as well as many other books in Ukrainian and English. It also donates to worthy Ukrainian cultural, religious, youth and humanitarian institu tions, and takes part in actions for our persecuted kin in Ukraine. The UNA is an 83 year pillar of the Ukrainian American community, with c lo se to 88,000 members, a skyscraper building hom e office in Jersey City and a sse ts of over $41 million. With an increase in members and added resources, it would be enabled to serve and benefit our community in even greater measure. And with more fem ale members, women would wield a significant influence in the UNA. C onsequently, in the D ecade of Woman, we believe UNWLA members, in a spirit of cooperation and reciprocity and for their own self-interest as well as for the Ukrainian ca u se in general, should consider joining the Ukrainian National A ssociation, our Ukrainian "Fortress beyond the Sea." CORRECTION Mrs. Stell Lem lschuk bought a ’’Museum B rick” In the am ount of $20.00 not $10.00 as reported In the last Issue. We are sorry for the m is-lnform ation. Mrs. Lem lschuk also made a gift of $10.00 to the Museum, for w hich we thank her. Я подала Вам раніше багато а д р е с на висилання д а р о вих примірників "Нашого Життя”. Але є ще одна проблема, яку хочу довести д о Вашого відома: у місцевості Понта Ґросса постала нещ одавно організація молоді, яка з запалом взялася д о праці. Вона впаштовує українознавчі курси, зокрема з ділянки історії й літератури. Ці молоді лю ди організують власну бібліотеку й читальню та бажають мати в ній різні журнали. Було б великим дарунком для них отримувати "Наше Життя”. А дреса цієї організації молоді: A ssociacao Cultural Ucrania — no-Brasileira, Схр 464 GR 84100, PONTA GRASSA, PR. BRASIL. Редакція "Нашого Життя” бачить, що зацікавлення нашим журналом на терені Бразілії — значне. Заохочуєм о наших читачів-передплатників уфундувати дарові п ер ед плати для окремих о сіб і організацій у Бразілії. НАШЕ ЖИТТЯ, ЛИПЕНЬ-СЕРПЕНЬ 1977 23
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