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Show ! Paee Foiir Januarys, 1959 j THE SPRTNOVILLE (UTAH) HERALD ' Dnsurance EnesySives Join- Forces in Central Utah to IPressaiff Kiev i f ! irnxxxx. 'xmamm, xxmsmm mxxm, mxx lmxxx:x. rnxxxm WZX X-- 'J'Wi' A ? S A::K?V. j ' VV' ''XAyXZ' t lv V.: - SV: X P X' X. ' -- I'l Xi'c, M f ;: V- - fvjj X$A:;:i D a .:? !;f ! ' XXJ f J1 '"XX 'XB.:Xt lift X" "tii:y X XZxMX'XX- - V-J'-i- ' xxxM mx- " f. " 1 iixi x(:''rxhx l ) 1 x.. xm j i "? - f x -' V :? 4. WBi'xSrxxxlWi ' x: 1 m 'f-- Z X- - X 1 1 jmMmmx mmfm4 Xx XLx, j 2 ; - - - Z X-a-A Five Provo insurance coum,, met today to discuss plans for the introduction of a funeral pre, rangement plan which takes a bur. den from loved ones in time trouble by providing for reasoaablt funeral expenses at low cost. The Central Utah counselor will present the Sentinel Plan We. Mrs. Flora Jackson, Owen J. son, Frederick Thompson, E, Peterson, and John Quist. Arthur H. Strong, Salt La agency director for the Sentinel Plan has traveled throughout Nevada and Utah organizing offices and agencies which win market "The Sentinel Plan", a modern plan of providing prote-ction against financial tragedy when death occurs. ' According to Mr. Strong, Xht Sentinel Plan is the only pre-a- j. ranged funeral financing program endorsed by the Utah Funeral Association. The Sentinel Plan is not TO REPRESENT COMPANY John Quist, E. A. Peterson, Owen Jackson, Fred-rick Thompson, Flora Jackson. vuUtu to replace other insurance pro. grams, but is designed to provide emergency funds quickly for e-xpense of last illness and funeral Sentinel Plan pliminofn u. "uuain m necessity of depleting other insu-rance funds that are provided for the care of the living. Statistics show that where lump sum settlements are made on the entire amount is speni within a matter of just three or four months, leaving the family without an income. "The Sentinel Plau provides immediate ready cash when death occurs so that expenses of burial and intermem may be paid without delay" Mr Strong said. "This removes finas-w SORROW ill VED NOT MEAN 1MB FINANCIAL TRAGSDK cial burdens from the bereave, family at a time when it is mos; difficult for them to make practi-cal decisions." Mr. Strong and his underwriter will be in Utah County to expla: the many benefits of this mode; plan and to give the citizens of tl area an opportunity to participa' in its outstanding features. Income Tax Facts Editor's Note With the ap-proaching income tax time, come queries concerning tax problems. As a special service to readers, a column of infor-mation on filing a federal in-come tax return will be given each week for the next few weeks. There are many deduc-tions that John Taxpayer, Joe Taxpayer and the merchants can take and some kinds of in-come are not taxed. That's what the columns are about. Be sure to read every one. If you have a specific problem, not covered in the series, con-sult an accountant or the of-fice of internal revenue as early as possible. How many exemptions can I claim? Each exemption is a $600 de-duction. That is, for each ex-emption you are allowed to make $600 tax free. Exemptions determine the amount of tax-fre- e income you are allowed each year, and are devised to make the tax fair between single persons, married couples, and large and small families. You are entitled to one ex-emption for yourself. You are entitled to one additional ex-emption if, on December 31, 1958, you had attained 65 years of age, or if you were blind. If you were both 65 and blind, you are entitled to two additional exemptions. You are also entitled to exemptions on the same basis for your wife, if you file a joint return. If you file a separate return, you can claim your wife's ex-emptions only if she has no income and was not claimed on any other taxpayers return for 1958. If your wife or husband died in ' 1958, the additional exemp-tions for age and blindness are determined as at the date of death, rather than December 31st. You are entitled to one ex-emption for each dependent. Additional exemptions for old age and blindness apply only to you and your wife or hus-band, not to dependents. Each dependent must quali-fy under all five of the follow-ing conditions. 1. Dependent must have re-ceived over one-ha- lf of his sup-port from you in 1958. Dependent did not have over $600 income in 1958, besides what you provided, unless the dependent was your child or stepchild under 19 years of age, of if over 19 years of age, a full time student, in which case the .dependent child can earn any amount as long as you ac-tually provide over one-ha- lf of the cost of support. 3. Dependent is not claimed by any other taxpayer and does not file a joint return with an-other taxpayer. For instance, do not list a dependent married daughter who files a joint re-turn with her husband. .4. Dependent must be a citi-zen of the United States or a resident of the United States, Canada, Mexico, The Republic of Panama or the Canal Zone. 5. Dependent must be closely related to you or be anyone else who meets requirements 1, 2, 3 and 4 above and had your home as his principal place of abode and was a member f your household, even if not re-lated to you. If the dependent has worked part time and earned less than $600 in 1958 or was your child under 19, or over 19 and a stu-dent, an income tax was with- - held from such earnings, the dependent should file a tax re-turn to secure refund of the tax withheld. This will in no way prevent you from also claiming the ex-emption for the dependent, pro-vided of course, that dependent meets all five of the above con-ditions. If your dependent can quali-fy in all was except that you do not furnish over one-ha- lf of his support then perhaps you can ' arrange with the others who contribute to his support for you to claim the credit any-way under a multiple Support Agreement Form 2120. AVERAGE WIDOW SPENDS INSURANCE IN JUST 4 MONTHS Research and experience show that on an average, a $5,000 In-surance policy paid in a lump sum to a widow lasts only four months! This means that in most cases she must go to work almost immediately to stpport herself anil her family. "Research and Review", a publication in the insurance field, revealed recent findings which show the average widow lives 25 yef.rs after the death of hsr husband. It appears that there are two things wrong with life: (1) we either die too oon, or (2) we live too long! In either eventuality, only the Sentinel, Plan is designed to provide cash in lieu rf sympathy WHEN YOU DTK! When death occurs, Sentinel Plan provides ready cash to next of kin to meet expenses of final illness, funeral and interment, thus leaving insurance policies intact to provide income to tne survivors. Insurance policies, when not cashed-i- n or taken in a lump sum, are like money in the bank. A certain amount can be withdrawn each month to live on . . and the balance draws interest. Life insurance is for the living Sentinel Plan is for WHEN YOU . iE! Safeguard Heart Doctor Suggests Dr. K. A. Crockett, Presi-dent of the Utah Heart Asso-ciation urges everyone to put this resolution at the top of their list for 1959. "Resolved, that I will safe-guard my health by taking full advantage of the new know-ledge which heart research has developed in the past ten years." Emphasizing the importance of early diagnosis and periodic health checkups, the Associa-tion counseled individuals to avoid needless worry over real or imagined "symptoms," but instead to see a doctor and fol-low his advice. Life-savin- g re-search achievements of the past decade, it was stated, have gi-ven the physician many effec-tive weapons against the heart and circulatory diseases in-cluding: Vastly improved methods of diagnosis. Drugs to prevent many ini-tial and most recurrent at-tacks of rheumatic fever, which can cause heart damage. New and improved methods of treating heart attacks and strokes, including drugs that retard blood clotting and help prevent repeat attacks. New drugs that can control most cases of high blood pres-sure. New methods of treating dis-orders which may lead to heart failure. Surgery to correct or relieve many congenital and acquired defects of the heart,, as well as surgery to remove clots and replace sections of damaged ar-teries. WHO WILL PAY FOR YOUR FUNERAL? tinel Plan for the peace of mind it gives the living and the easing of burdens it provides for loved ones in time of 2reat grief. All are pledged to carry out faithfully your directions for funeral and interment Mr. Allen stated. A. H. Wing Mortuary Lehi, Utah Anderson & Sons Mortuary American Fork, Utah ' f - it;? ! X nerg mortuary Provo, Utah Aura C. Hatch Mortuary Provo, Utah Wheeler Mortuary Springville, Utah Berg Mortuary Springville, Utah Anderson Mortuary Spanish Fork, Utah Walker Mortuary Spanish Fork, Utah Olpin-Sundbe- Mortuary Pleasant Grove, Utah Rigby Mortuary . Payson, Utah Keith Jolley Mortuary Payson, Utah Berg Mortuary of Orem Orem, Utah - Olpin-Sundbe- Mortuary Orem, Utah SV. DOUGLAS ALLEN, Pres. Sentinel Security Life Ins. Co. Will you leave it up to loved ones you leave behind in time of sore trial and grief ... or will you make provision ahead of time when it can be done calmly and ration-ally? Once in every lifetime these questions must be answered. If you find it hard to answer think of &c problem it will be for those pu leave behind! The Sentinel Plan, underwritten by the Sentinel Security Life Insur-ance Company, Is designed to pre-pare beforehand for the inevitable roblems every person must face jccording to Mr. Douglas Allen, President. The members of the Utah Funeral Directors issocia-tio- n endorse and recommend this plan for every family. In fact, the Sentinel Plan is the ONLY plan to win this recognition in Utah- - The following members of the Utah Funeral Directors Association in Utah County endorse The Seu- - During the past few years costs of homes and furniture have been gradually increasing. In the event of loss, it would cost you more to replace these items than they originally cost. Your fire insur-ance on home and contents should be carefully examined to see if you have proper coverage. Let us help you with your prob-- : lems . . . remember INSURANCE IS OUR BUSINESS. NOT JUST A SIDELINE. I tourpw i hunJJl AGENT I Springville Insurance and Realty Company 154 South Main HUnter :j Nil. KENTUCKY STRAIGHT aflBaaas; WffisCH BOURBON WHISKEY a :! S&X since 1810 40 g5g2 J C'56 WATERFILL AND FRAZIER DISTILLERY COMPANY, BAROSTOWN, KENTUCKY SHOP AT z'??'! ?iAir$( (I Win 4th north & Main i (H)0D 0.G.UD. (HldleDSDirBg on HlainidjlbiiQs, RJewsipapeEre m : oHEbec Dosdia aim this UDraa is ddh effect at tteis Store SAMPLE ITEMS: Orange Juice, 5 for 89c SPRY R(p Frozen Wholesun, 6 oz. tins 3 lb. can w Meat Pies . 5 for SI HALIBUT Gp Frozen Beef, Chicken, Turkey Sliced, lb JtJXj N I.G.A. Coffee 7RP STEW HEMS Vacuum pack, lb II WU Cut up, 37c; Whole, lb. ?J If 'i We Give We Deliver S&H Green Stamps ,11 a.m. & 4 p.m. Niiii- -i mm I CLIP THIS COUPON Ac.1 today to safeguard the security and (l . being of your family and yourself. i name ipftdll i,!Nr3. ' I address a,Ms city . zoll WIhM;3;l STATE, .. '' 4 ) SpX.W' 4MI Q OLD LINE LEGAL RESERVE MUCH SOUGHT AFTER For an insurance company to be able to advertise that it is aa "Old Line Legal Reserve" com-prn- y, is quite a feather in its cap. Not every company can qualify or meet the stringent re-quirements set by the Federal Government for this classifica-tion. When Sentinel Insurance ac-quired this coveted distinction in 1957, it was a day of great re-joicing. It meant that they had joined America's select group of insurance companies where the fulfillment of every policy con-tract was absolutely guaranteed! Achieving this distinction is a tiibute to the management of Sentinel. It means they have established a sound organization, that all policies meet the high standards, and that they have provided sufficiently high re-serves to absolutely guarantee the fullfillment of every policy contract. In effjct, Sentinel's re-serves are far in excess of mini-mum legal requirements. Sentinel Plan Now is Ten Years Old Ten years ago Sentinel started in the life insurance business as a small unknown company with a sincere desire to provide Utahns with low cost funeral insurance. Years of experience by Sentinel's organizers of seeing financial tragedy strike the home of loved ones built the foundation of the company. Today, more than 10,000 fami-lies have recognized the need for Sentinel's assistance and have expressed confidence in the com-pany's ability to provide the financial protection when needed-Ove-r ONE-HAL- F MILLION DOL-LARS HAS SEEN PAID TO POLICY OWNERS AND BENE-FICIARIES SINCE 1948! Popular acceptance has created a demand for the Sentinel Plan which is available in Utah, Arizona and Nevada. Steps are now being taken to make it avail-able in other western states, too. Thousands ff Ufcahns Plem effdls off Qvm Funerals! of the deceased to his loved ones, setting forth his own personal desires, thus giving peace of mind and satisfaction to all con-cerned. Of course, the big and important question which overshadows every-thing is the problem of providing money to carry out the arrange-ments as outlined. So many times, final illness has used up ready cash and the courts have frozen the estate funds until legal red tape is eliminated.' This leaves the family temporarily without funds with which to pay for funeral and emergency expenses. These 25,000 folks with the fore-sight to prearrange have found the Sentinel Plan exactly fits their needs. The policy is planned to in-clude the entire family, is low in cost, and provides a complete out- : line for the bereaved family It - follow in planning the memorii j services and in settling financial matters. The Sentinel Plan pw vides a sight draft which wher properly endorsed, provides in mediate cash for final expenses, A specialized, modern form t funeral insurance, The SentiM Plan is the only funeral insuralc endorsed by the Utah Funeral D. rectors Association. ? As the tremendously helpful Hit : book provided by the Sentinel Pla: states: "It is my wish to spare yo. s anxiety, , provide for my funere - expenses, and avoid needless di!t culty and inconvenience in ft .' event of my death. Through tit 1 Sentinel Plan I have made coir , plete arrangements for my funen in advance of need." ? Strange as it may sound almost 25,000 Utahns have actually out-lined their entire funeral . . . from casket and flowers to who partici-pates on the program! But when you look at the logic back of their thinking, this custom isn't so strange after all. To them has come the realization that none of us is going to get out of this world alive ... so why not let the family know exactly what kind of funeral he'd like to have? Be-sides, under the stress of bereave-ment it is most difficult for the bereaved family to make practical decisions so by planning in ad-vance, a guide is left for loved ones to follow. AND THE MONEY TO follow out their wishes These folks who have had the foresight to prearrange their own funeral have found great peace of mind in their efforts. Almost every-one at one time or another is called upon to make funeral arrange-ments for a loved one and doubts arise as to whether or not they are doing what the deceased person would really have liked. The Sentinel Prearrangement Plan affords an opportunity to state one's desire as to how much to spend on a funeral, and the desire pertaining to the memorial service and all details connected with it. It also pro--' ides for an intimate expression Socialism is indeed the great leveler. But the fact that the leveling is always downward seems to escape most theo-retical socialists. Leonard E. Read. FAMILY PLAN IS REAL BOON TO NEWLY-WED- S Newly married" couples, faced with the expense of setting them-selves up in housekeeping, find that Sentinel's two family plans are a real boon to their budget The Sentinel "Family Plan" of reg-ular 'life insurance covers both parents ior one small monthly pre-mium and as the children come along, all are automatically cover-ed at no extra cost. The "Sentinel Plan", which arranges for funeral expenses before the need arises, and which supplements regular life insurance, is also a low-co- st program which covers both par-ents. As the children come along, they can be added to the program for a very modest increase in pre-mium. Thus the family that is just start-ing out can have all the protection they need at very nominal costs . . . and as the size of the family increases the new arrivals can be included right in the basic plan without fuss or red tape. One pre-mium to pay, one place to pay it . . . only one company with which to do business! UTAHNS INCREASE SENTINEL PLAN 731 i Between 1949 and 1958 more than 26,000 Utahns have availed them-selves of the security and protec-tion of Sentinel's low cost pre-arrangement plan. Utahns now have Ten and One-Ha- lf Million Dollars of Sentinel Plan contracts in fprce. During this same period assets of the Company have in-creased fifty-on- e times, or a total of $1,400,000.00. Reserves have in-creased fifty-si- x times to an aggre-gate of $980,000.00. Approximately $400,000.00 represents capital stock and unassigned surplus for the pro-tection of Sentinel Plan holders. By popular demand the Sentinel Plan is now available in Utah, Ari-zona and Nevada, and steps are being taken to make it available in other western states. Sentinel Plan growth over the years has been strong and continous. Sentinel Plan is underwritten by the Sentinel Security Life Insur--i a'nce Company, an Old Line Legal Reserve institution. UTAH STATE FUNERAL DIRECTORS ; RECOMMEND AND ENDORSE THE SENTINEL PLAN FUNERAL INSURANG ? Throughout the of ;i nation, there are many kinds tunera insurance plans. In fact, in some of the states, iuneral directors serve as agents for various "brands" insuiance. When you buy one of their policies, you ? must utilize their services for the funeral. i1 According to most. vormoKU this condition is not a wholesome arrangement. It deprives me next of kin the freedom of choice in the selection oi a Iuneral director and bears the earmarks of mono- - : polistic practices. The Sentinel Plan is designed for ypu by funeral directors who understand and recog- - nize your problems when sorrow invades your home, me bentinel Plan, one of the finest insurance programs devised, is recommended and endorsed by tne Utah Funeral Directors Association as it provides 4.ugenc:y funds immediately at any place when death might occur. The Sentinel Plan is available only irom authorized Sentinel representatives and not tiom funeral directors. This enables policyholders to cnoose any funeral director they desire any place rt the world at the time the need arises. Ready Cash for Final Illness and Funeral Provided by Insurance Plan Introduced in Provo living expenses. It enables a wi-dow to stay in the home and care for her children without" worryiiv.: about income. She doesn't have to go out to work to earn a living leaving the children "in the hand' of a sitter." Many folks feel they have pro-vided for any eventuality when they buy a regular life insurance policy and when they build up a few thousand dollars in a savings account. However, statistics show that 60 per cent of all deaths occur in hospitals , . . thus the final ill-ness usually proves to be very costly and family finances and in-surance policies must be cashed in and used. Life insurances policies were never intended for this purpose. They were meant to take care of the living . . to provide income for the suvivors when the breadwinner stops out of the picture. The Sentinel Plan, a modern method of prearranging funerals and providing expenses of final ill-ness, makes it possible for the be-reaved family to utilize bank ac-counts and Insurance policies for Widow Destitute With $10,000 in Bank It could happen don't sneer! Upon the death of her husband, la widow could find herself destitute while waiting for the 'courts to settle the estate. It has happened before! It is not infrequent that widows have had to borrow money to live on while waiting for the legal en-tanglements to be cleared away and the estate settled. And it doesn't have to be a large estate involving vast prop-erties, either. Families of modest means have legal problems, too. The Sentinel Plan, which pro-vides immediate cash upon proof of death, meets expenses of final illness, funerals, and interim liv- - |