ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-03-31

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To The Supreme Board OF Directors
Croatan Fraternal Union of America
Sister And Brother Members:
Two full years have elapsed since have assumed the
responsibilities of this office and happy to report that
they have been years of progress and expansion.
The six-month period under consideration excep-
onaly prosperous for it brought this department net
membership increase of 555 This put the yearend figure
of Junior certificates in force at all time high of
1920 The insurance in force from $40 500 to
S2O,9 200 for an impressive gain Of $546,7OO.
Membership fluctuations for the year noted in the
following groupings: expratons, AZ cash
ders 81 Deaths I'LL apsaons expuons and of
the biggest drain of all 1912 transfers adult lodges This
total loss of 24O0 and made by 2999 enroents
and 13 revvas for 302 additions give the net gain of
612 for the year.
The preponderance of Junior membership in the Term
category and numbered at the end of the year The
types of certificates accounted for 1882 and rep
resented increase of $50 just year. 1t is not my
wish intention to minimize the Importance of Term men,
bershp for and unquestonaby will the manstay
the department. but awoved purpose to bend every
effort to the task Of increasing the Endowment and 20 Pay
coverage
During my tenure in office the number of permanent
certificates has been increased by approximately 1200 which
is rise of better than fourth in that short of
time The trend is definitely the upgrade The adoption Of
CSC business has given it greater impetus and
look forward to better ratio of permanent to Term
snail the
the incidence of apsation at transfer to lodge time
This picture of growth is gratifying but only from the
administrative point of view To properly identify the organ
zation with the true preceps of fraternasm has to be
supplemented by complemenal portrait depicting actual
membership participation the receipt of benefits and
above the stpuations of the insurance contract.
proud to say that in this respect Union is
truly House of Fraternasm. The Junior Department
corded total cash receipt of $1811212 Not taking
into the mandatory disbursements such death
benefits cash surrender values and utilization this
department poured back into the pockets of it's members the
huge total of $5 $780, This is broken down into 0995
for Term waivers S2O95O76 Term transfer credits and
$86569 for dividends Besides this has been given
to managers Membership Conservation Awards and
much to members directly prepaid dues and prizes Thus
the membership got back third of it's assessment
and this strictly the form of benefits for which their
contracts have mandate &sr."
Even with the of these huge to the men,
bersh the various this department are excellent
condition and growing daily had, for time considered
proposing increase dividends but have finally concluded
that in of the fact that have eliminated graded
death benefits all permanent type business and DID,
would be advisable to test the effect of the impact of this
added liability before assuming another burden year
shall be able to ascertain whether this step
would be possible and then revise the entire dividend
schedule for the greater benefit of the members
recommend now that again waive five months Term
dues for all Term members who books
December of 1853 These are for the months
of April thru August, 1854
have suggestion for the revision of the existing
Conservation Award scale Actually it merely addition
to the scale itself and change Up to the last year
the schedule set up adequate and just but the
phenomenal growth of few of nests has made it in
sufficient The top existing bracket of membership is 7O1
for which $3.50 paid There obvious injustice to at
least nest who has 900 members suggest
therefore that extend the scale 1000 members with
corresponding increase in the award
AS per my recommendation and your approval the
Junior Order adopted the CSC tables of mortality and vau
ation The task had assumed tedious requiring
many months of work in the preparation of certificates
then submitting them to the various states corrections and
resubmng to satisfy the varying demands of the different
states thousand and other Details It necesstated
many hours of my time at home and many anxious
moments wondering whether the project to be approved
and ready for the field at the designated time is quite
task to prepare obtain the approval and begin issuing just
certificate but when the entire department is
changed at one fell stroke the job is tremendous.
am happy to say however that held up only
month and that because of technicates which
actuary had control We began issuing CSC per-
manen type certificates in February and though there
still loose ends minor Details they will be ironed
out in short order There remains just the Term
icate to change to the CSC base but inasmuch
probably change benefits