ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1955-04-13
Junior Order Department Director In
Semi-AnnuaI Report To Supreme Board
To The Supreme Board OF Directors Of The
ister And Brother Members:

achieved by the Junior Order Department Since the year
end statistics completed and filed my report will utilize
of these to present comprehensive picture which is
possible only when full year is considered.
To acquaint you, first of ALL with the membership
trend supremey happy be able to say that the end
of the year brought to all time high IF 34011
Juniors Despite the fact that the department sustained
23O0 teminatons thanks to the recruiting zeal of field
workers able to register net gain of 1872
ber This in happy contrast to the 612 increase recorded
in the previous year.
Transating membership into insurance in force find
better Improvement This branch of your Society
carries the impressive of $21598,200 insurance
eoverage it's members This is rise of $66O000
of pointing up the fact that this department alone
larger than two thirds of Americas fraernal benefit soc
eties Only two of the eight of these that of
South background be classified larger than
Junior Order
The "a oil membership count is divided into the two
caegores of Term and permanent coverage 1t is interest
ing to note that though Term, always comprises the
preponderence of membership is slowly but surely being
overtaken The year-end count of Term certificates stood
at 28947 100 increase 1858. On the other
hand Endowment and 20 Pay accounted for 5O64 and
showed growth of 632 To be the Term still the
popular but by the token it encounters the heav
est turnover. The steady forward pacing of limited
payment types shows that and members,
realizing the inherent value Of these certificates and avail
ing themselves of their protection.
Of the greatest factor for this upsurge per-
sales has been the adoption of the modern CSC
mediatey reflected in marked downward sales trend in
every other category of Senior and Junior ESQ
certificates reversed that trend and went to set
high in production This the ultimate in qualification for
my efforts in initiating the changeover to these forms
happy indeed to that they have been accepted with
such favor.
Thus far, might say have presented one side of
ledger the income that which the membership
tributes to the whole What about the other side that
which shows the members recipients of benefits man.
datory -contracua 1t is this phase of func
tions that makes truly great truly house of fraterna-
sm truly the envy of the industry.
This department has collected in the year under con-
sderation the of $187179 premiums Against this
there contractua claims of death and surrender ben
efits amounting to $4,000 However, living up to its
proud precepts aernasm the department turned back
it's members another of $57 1851 in the form of
transfer Lodge Credits Dividends and Waivers. Then
another $59355O in membership conservation and bonus
awards has been given to qualifying nest We
readily then that third of the collected premiums
have been turned back to membership and above
the specific requirements of the written contract.
This is record, probably unequaled in the insurance
world This is the Secret which makes possible for
write such thrilling pages in the annals of fratenasm
This is the why thousands flock voluntarily into
fold.
Although Term members receive annual waiver of 5
months dues, though the Term Transfer credit of
$3.50 practically wipes out the 1918 year premium
though the prepaid dues award handsome dividends
the permanent type certificates and the elimination
of the graded death benefits those limited payment
tracts have reduced intake and increased oblga
tons surplus has to $375O00 and will at this
rate progress at the rate of about $4,000 per year
had thought that during this 10th Anniversary year
of the Junior Order could declare special dividend
bonus That would however establish precedent which
probably could not maintain and thus i'll will
than good There is very attractive solution to this
problem and it would take the following form:
We now in the process of converting Term
certificates to the CSC tables thus placing entire
nile business this most modern plan Why not eln
IoS 1oot1
need Convention approval for the grading is mandatory
in Bylaws The Term contract would be the
pride of the CFU and the of the raterna system for
anticipate change the present waiver transfer
credit set up Of shall have to up sufficient
to offset the increased liability This precisely
the solution to aforementioned surplus problem. The
surplus will become required and will then
have completed peerless line of certficates The
Supreme Secretary will outline proposal to increase dv
dends Senior certificates. In this increase will be in
cuded our Junior permanent types well that all of
our members will benefit in this record breaking
fund bonanza.
The other and final project submitted by for your
consideration and approval at the September 1854
sons the outline for the 4 Junior Convention and
membership