The main reason I am running for the legislature is to bring to the people, a principled approach to government. It is important for me and all others in state government, to look at the State Constitution, which is the foundation document for governance, along with the current code, which is supposed to enforce the foundation document, and then legislate based on principle and fact, not emotion or favoritism. Only this kind of governing can insure that the individual’s rights are protected from encroachment by faction, fad, greed, or misguided good will. Another and maybe just as important reason is to give people more choice. The two major parties do not have a monopoly on good candidates.
I just spent about 4 hours updating the look and feel of this blog. Now I have to go and do the same thing on my website. Then I have to figure out how to link to my social media sites and vise a versa. I need an electronic assistant!
This report is from the fine folks at MTL. They are the most innovative insurance Co. I know of. In a future blog I will tell you of some personal experiences with our policies and children that may make you wonder if buying term is really a smart thing.
Although opinions differ on whether to buy a life
insurance policy on a child, there are three advantages
for buying a whole life policy. First is the lower,
level premium. Second is that purchasing a life
insurance policy on an infant or child protects the
child against the unexpected events that may occur in
life. And third, the policy offers the child an early
start to saving.
1. Lower, Level Premium
In the unfortunate event that a child is diagnosed with
a life-threatening illness or has a critical accident
early in life, a life insurance policy can provide
sufficient proceeds to cover final expenses. For many
families, the prospect of paying these expenses
out-of-pocket would be problematic. The relatively low
cost of life insurance for children can be an effective
way of providing peace of mind regarding these
unexpected expenses. MTL’s Children’s Insurance Rider
can be added to a parent’s whole life policy on all
children named in the application who are less than 20
2. Insuring Coverage in the Future
We all know that life insurance can help shield a family
against the possibility of loss that can result in an
uncertain world, but shouldn’t our children have these
same opportunities? When MTL’s Guaranteed Purchase
Option (GPO) Rider is added to a child’s policy, the GPO
creates the guarantee of additional death benefit
protection without evidence of insurability. Thus, in
the event that the insured child should become
uninsurable, the GPO option can be monumental in
protecting the financial future of the insured and his
or her loved ones in the future.
Here’s how the GPO works. It enables the child to
exercise regular increase options to purchase additional
insurance upon written request, on or within 31 days
before each policy anniversary nearest the age of 22,
25, 28, 31, 34, 37, or 40. Although these are regular
increase options, the policyowner can choose to
customize this option, advancing the next option date
upon marriage, or the birth or adoption of a child. A
customized option may be substituted for all options,
except the last one, at age 40, and must be exercised
within 91 days of the event. When this alternative,
customized option is used, it replaces the next
scheduled option. MTL’s Guaranteed Purchase Option can
be added to all MTL life insurance products, except
Legacy One, and is available for all issue ages 0
3. Saving for the Future
Purchasing a Covenant II policy with a Maximum
Accumulation Dividend® option on a child can, over the
years, build cash value that the child can use on a
tax-favored basis throughout life. Maximum Accumulation
Dividend® is unique to MTL Insurance Company. In
combination with MTL’s Annual Premium Paid-Up Additional
Insurance Rider, it helps maximize the cash accumulation
in a whole life insurance contract while still
maintaining its tax-favored status. This Covenant II
policy can be gifted to the child upon graduation from
college or when the child becomes an adult, and the
child can continue the plan, making the premium
I have joined the ranks of Grandmas everywhere and They were not lying it is the best thing since sliced bread! I just wish I could spend more time with her.
For all of you that are still registered on my blog the Mangum reunion is on Saturday June 26 At Herriman Park. Lots more info to come.
My day with the Prophet
Today is August 22, 2009. Even though it is a Saturday we got all dressed up and got a special recommend and I took both my sons to the Oquirrh Mountain Temple dedication.
For those not of my faith this is a most solemn occasion when the prophet and apostles and worthy members gather to pray and dedicate a new temple for worship.
We were seated in one of the rooms that is painted with beautiful murals to represent the world as it is now. Mountains and meadows and small animals fill the walls.
The dedicatory services are like any church meeting there is singing, my daughter Jamie was in the choir. People speak and special prayers are said. We are reminded and urged to remember how special it is to worship in the temple and to go often.
I felt a good and warm feeling through it and was getting ready to leave, everyone was standing but we were not going anywhere when suddenly the prophet was standing in the doorway. He was talking with someone and I could not hear and then he was saying,
“Where is she, where is she.”
He was talking about a young handicapped girl who was sitting behind us. We quickly moved our chairs so that they could wheel her out to the front of the room. President Monson walked down the isle toward us. When he was close to her, her name was Laura, He put his hands on her head and blessed her. Then he looked up and his eyes met mine. He began to shake hands first with Zachary, then K.C., and finally me. Wow I shook the prophets hand!
He turned to tell a story to some girls that were on the other side of the room. Then he spoke in Spanish to some people that were there. He told a story about redheads to a young man with flaming hair. Then he told a story about yellow being his favorite color because it gives light to all the other colors. But, he said, it is also the first to dim. Then he was gone.
That was definitely a highlight in my life, so I am sharing it with some of you.
Hope you are having a good day too,
I think it will be a while before anyone sees this blog but I feel silly having it and not having anything on it. In this blog you will see things that are interesting to me. Maybe they interest you too. You are sure free to comment and together we may create a useful and interesting place.
Today I was in the car and a talk show host was speaking to my newly re-elected State Attorney General, he said that the first thing he was going to do was file a law suit against the BCS for not ranking the University of Utah #1 in the BCS rankings! Can you believe it! My tax dollars hard at work making sure the college football rankings are fair! I am sure glad the world is peaceful enough to allow this to happen, Ha Ha. Frankly if he does this I will be outraged. Well I have to go.