Three Cathedral students earn $2500 in scholarships from Catholic Financial Life for the 2018-2019 school year.

Three Cathedral students earned $2500 in scholarships from Catholic Financial Life for the 2018-2019 school year. High school and college scholarships are awarded based on service. The average hours of service for these Cathedral High School students was 59. (L to R): Sophomore Maddie Cler earned a $500 high school scholarship. Seniors Ben Treece (Butler University) and Kate Burnside (Colorado University) earned $1000 college scholarships.

Catholic Financial Life (CFL) sets aside a percentage of its earnings each year for Catholic grade school, Catholic high school and college scholarships for students who have a life insurance policy with CFL. This summer more than $264,000 will be awarded in educational scholarships to members for the 2018-2019 school year! Of the 244 high school applicants nation-wide, 164 received an award. One hundred sixty-five seniors competed for 80 college scholarships.

Seven Bishop Chatard High School students earned $4000 for the 2018-2019 school year from Catholic Financial Life.

Seven Bishop Chatard High School students earned $4000 for the 2018-2019 school year from Catholic Financial Life. Six underclassmen earned $500 each and averaged 87 hours of service while Senior Rachel Doyle (IUPUI) earned $1000 with 155 hours of service. (L to R): Rachel Doyle, Tom LeMark, Isaac LeMark, Max LeMark, Lucy Kellison and Margaret Doyle. Not pictured: Incoming freshman Kylie Nagel.

Catholic Financial Life (CFL) sets aside a percentage of its earnings each year for Catholic grade school, Catholic high school and college scholarships for students who have a life insurance policy with CFL. This summer more than $264,000 will be awarded in educational scholarships to members for the 2018-2019 school year!

High school and college scholarships are awarded based on service. Of the 244 high school applicants nation-wide, 164 received an award. One hundred sixty-five seniors competed for 80 college scholarships.

Six Roncalli students earn $3500 in scholarships for the 2018-2019 school year from Catholic Financial Life.

Six Roncalli students earned $3500 in scholarships for the 2018-2019 school year from Catholic Financial Life. Five underclassmen earned $500 each and averaged 50 hours of service while Senior Ethan Newett (Purdue University) earned $1000 with 66 hours of service. (L to R): Aidan Newett, Will Schoettle, Ethan Newett and Tyler Newett. Not pictured: Incoming Freshmen Brady Newett and Colin Newett.

Catholic Financial Life (CFL) sets aside a percentage of its earnings each year for Catholic grade school, Catholic high school and college scholarships for students who have a life insurance policy with CFL. This summer more than $264,000 will be awarded in educational scholarships to members for the 2018-2019 school year!

High school and college scholarships are awarded based on service. Of the 244 high school applicants nation-wide, 164 received an award. One hundred sixty-five seniors competed for 80 college scholarships.

From life insurance to retirement planning, education savings, and more, Catholic Financial Life has been helping its members protect their financial lives for nearly 150 years. With assets of $1.38 billion and 110,000 members across the United States, Catholic Financial Life’s strength comes from being a different kind of financial community.  As a member-owned organization, we are accountable to our members. Our longevity is a testimony to their loyalty, and our success is a result of being a trusted financial partner.

Seventeen Archdiocese of Indianapolis Students Awarded $3900 in Scholarships from Catholic Financial Life

Seventeen Archdiocese of Indianapolis Students were awarded $3900 in Scholarships for the 2018-2019 school year from Catholic Financial Life. Most students earned $200 scholarships while one high schooler from Seton Catholic School in Richmond earned a $500 scholarship.

Gemma LeMark, Christ the King Catholic School; Thomas Davey, Immaculate Heart of Mary Catholic School;
Casey Newett, Harold Schoettle and Mary Schoettle, Nativity Catholic School; Quentin Gibson, St. Francis and Clare School;
Mary Belby and Patrick Belby, St. Luke Catholic School; Allison Donnelly, John Doyle, Dalton Fugate, Avery Nagel, Marissa Post and Jacqueline Quadrini, St. Pius X Catholic School; Alexander Gillum, St. Therese of the Infant Jesus (Little Flower) Catholic School; and Josey Meeks and Katelyn Meeks, Seton Catholic School, Richmond.

Catholic Financial Life (CFL) sets aside a percentage of its earnings each year for Catholic grade school, Catholic high school and college scholarships for students who have a life insurance policy with CFL. This summer more than $264,000 will be awarded in educational scholarships to members for the 2018-2019 school year!

Four Our Lady of Mt. Carmel students earned $800 in scholarships from Catholic Financial Life for the 2018-2019 school year.

Four Our Lady of Mt. Carmel students earned $800 in scholarships from Catholic Financial Life for the 2018-2019 school year. (L to R) Kathryn Tiplick, John Tiplick, Christopher Legg and Jude Legg.

From life insurance to retirement planning, education savings, and more, Catholic Financial Life has been helping its members protect their financial lives for nearly 150 years. With assets of $1.38 billion and 110,000 members across the United States, Catholic Financial Life’s strength comes from being a different kind of financial community.  As a member-owned organization, we are accountable to our members. Our longevity is a testimony to their loyalty, and our success is a result of being a trusted financial partner.

Twenty-two St. Maria Goretti students earned $5,300 in scholarships from Catholic Financial Life.

Twenty-two St. Maria Goretti students earned $5,300 in scholarships from Catholic Financial Life. Nineteen SMG students earned $200 each for St. Maria Goretti. Three 8th graders averaged 57 hours in service and earned $500 each towards Guerin Catholic High School.

Back row (L to R): Conner Lawrence, Eli Schenk, Adam McNeany, Caleb McConkey, Kennedy Cradick, Kayla Reis, Tressie Lyons and Matthew Wagoner. Front row (L to R): Elizabeth Sweeney, Kenzie Reis, Merrin Lyons, Steven Alvarez, Delaney Tyndall, John Norton, Avery Tyndall and Addison Smith. Not pictured: Logan Clark, Noah Clark, Evan McNeany, Grace Ward, Joey Witkowski and Katie Worcester.

From life insurance to retirement planning, education savings, and more, Catholic Financial Life has been helping its members protect their financial lives for nearly 150 years. With assets of $1.38 billion and 110,000 members across the United States, Catholic Financial Life’s strength comes from being a different kind of financial community.  As a member-owned  organization, we are accountable to our members. Our longevity is a testimony to their loyalty, and our success is a result of being a trusted financial partner.

 

Fourteen Guerin Catholic High School students earned $9000 in scholarships from Catholic Financial Life

Fourteen Guerin Catholic High School students were awarded $9000 in scholarships for the 2018-2019 school year from Catholic Financial Life. High school and college scholarships are awarded based on service. Ten underclassmen earned $500 each and averaged 75 hours of service while four seniors earned $1000 each and averaged 149 hours of service.

Back Row (L to R): Principal James McNeany, John Paul Farrell, Senior Annaleigh Cummings (Bellarmine University), Senior Maren Fitschen (University of Indianapolis), Senior Carly Demas (Indiana University), Mary Kate Ward, Fiona Weber and Max Fallen. Front Row (L to R): Senior Jonah Lyons (Indiana University), Noah McNeany, Blake Kimmel, Nathan Friedman and Aaron Cradick. Not pictured: Lauren Wagoner and Grace Worcester.

How do I include specific items of jewelry, artwork, collectibles or furs on my homeowner’s policy?

Listing items such as jewelry, artwork or furs separately on your homeowner’s policy is called scheduling. It is quite easy to do, affordable and ensures your items are protected beyond your personal property insurance. While homeowner’s insurance covers personal property, coverage is limited for rare or expensive items like jewelry, art and furs unless they are scheduled.

Personal property insurance covers your general household items; however, items like jewelry, furs, fine art, firearms, collectibles need to be scheduled because there typically is a $1500 policy limit for these types of items. For example, if you own $3000 worth of unscheduled jewelry, you may only have coverage up to $1500, and property deductibles apply.

Start by making a list of the items you want to schedule. Write up a detailed description of each item and set a value. If you already have current appraisals, make copies and forward them to us to be added to your homeowner’s policy. Scheduling with us provides broader coverage of your items including theft, the loss of a gemstone or the loss of the item itself, with no deductible. And, separately listing $5,000 of jewelry usually costs less than $40 a year.

Check your policy declarations page for scheduled items or call us at St. Joseph Agency at 317.564.4949 and we can help you ensure your jewelry, art and furs are protected.

Staggering in Life (in a good way)

I have had more than one client bring their 10- or 20-year level term life insurance policy to me with less than a year left on the term, wanting me to write them again. I’m always happy to help, but sometimes ‘waiting until the proverbial 11th hour’ can cause some problems. Sometimes there has been a change in health. And many times, the years have come with a few pounds or some new medications–all of which can impact the renewal rate.

It’s a better strategy to buy several smaller term policies and stagger their termination dates so that ‘not all your eggs are in one basket.’ It gives you a lot more upside if there is some health or lifestyle change.

To learn more about your current life insurance policy, term or whole life, contact Gordon Smith at St. Joseph Agency at 317.564.4949 or gsmith@stjosephagency.com.

Man’s Best Friend

Have you noticed that one of the questions on our homeowners application is if there is a dog in your home? Have you ever wondered why? Some insurance companies are particular about covering certain dog breeds. In fact, there is a list of 11 types of dogs, or mix of these breeds, that insurance companies commonly consider a risk to cover. On the list are: Pit Bulls and Staffordshire Terriers, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies and Wolf-hybrids.

Because St. Joseph Agency represents seven carriers for homeowners insurance, we can place your home with a company that protects you and your pet.

In some situations, an umbrella policy may offer better protection if you own certain dog breeds. Umbrella insurance covers dog bites under most circumstances. So, if your dog bites your neighbor and he or she decides to seek legal recourse, your umbrella policy can also cover you.

Be sure to let us know when you bring a new pet into your home so that we can place you with the best possible coverage for you and your pet.