Archive for March, 2013

Do You Have the RIGHT Type of Insurance?

Friday, March 22nd, 2013

When speaking to brother knights they usually tell me I have “enough life insurance.” My response to them is, “Why do you have life insurance?” Of course this always brings strange looks. “You are an insurance agent and you are asking why I have life insurance; shouldn’t you be telling me I need more life insurance?”

Having the right amount of life insurance is sometimes not as important as having the right type of life insurance. Members who have term insurance may not realize that most term insurance ends at age 70. Many of you will live beyond age 70. In fact, it is less than 1 out of 100 term policies that ever actually pay a death claim. Now at age 70 you realize that you need whole life insurance which has a guaranteed death benefit until age 120. Plus the death benefit is paid income tax free to your beneficiaries.

Younger members should be looking for whole life insurance for the same reason. You can learn from our experienced brother knights and buy whole life insurance now to “lock in” at a much lower rate. Our whole life insurance pays dividends which increases the death benefit, and has a cash value that increases as well (if you continue to pay your premiums).  The cash value can be accessed for such needs as emergencies, funding education, or to supplement your retirement income.

You may be one of the members who bought universal life or variable life, which is sometimes sold as “whole life insurance and an investment.” However the actual cost of insurance is increasing while your premiums remain the same. As the cost grows larger than the premium, they deduct the difference from your cash value until the money runs out and the policy lapses. To protect my brother knights, I ask that ALL OF YOU request a 20 year projection of future values from your other insurance companies. When you get it call me so I can give you expert advice and help decide what options are best for you. Don’t just assume you have a whole life policy or that all insurances are the same.

Bill Matthews

Characteristics of Faith

Friday, March 22nd, 2013


OCTOBER 11, 2012 TO NOVEMBER 24, 2013

(Numbers on the left margin refer to the Catechism of the Catholic Church paragraph numbers. All this information is from the Catechism)

153: Faith is a grace. When St. Peter confessed that Jesus is the Christ, son of the living God, Jesus declared to him that this revelation did not come “from flesh and blood,” but from “my Father who is in heaven.” Faith is a gift of God, a supernatural virtue infused by him.”

154: Faith is a human act. Believing is possible only by grace and the interior helps of the Holy Spirit. But it is no less true that believing is an authentically human act. Trusting in God and cleaving to the truths he has revealed are contrary neither to human freedom nor to human reason.

155: In faith, the human intellect and will cooperate with the divine grace: “Believing is an act of the intellect assenting to the divine truth by command of the will moved by God through grace.”

156: Faith and understanding: What moves us to believe is not the fact that revealed truths appear as true and intelligible in the light of our natural reason: we believe “because of the authority of God himself who reveals them, who can neither deceive nor be deceived.”

157: Faith is certain. It is more certain than all human knowledge because it is founded on the very word of God who cannot lie.

158: Faith seeks understanding. It is intrinsic to faith that a believer desires to know better the One in whom he has put his faith and to understand better what He has revealed; a more penetrating knowledge will in turn call forth a greater faith, increasingly set afire by love.

159: Faith and science. “Thought faith is above reason, there can never be any real discrepancy between faith and reason. Since the same God who reveals mysteries and infuses faith has bestowed the light of reason on the human mind, God cannot deny himself nor can truth ever contradict truth.

160. The freedom of faith. To be human, “man’s response to God by faith must be free, and …therefore nobody is to be forced to embrace the faith against his will. The act of faith is of its very nature a free act.”

161: The necessity of faith. Believing in Jesus Christ and in the One who sent him for our salvation is necessary for obtaining that salvation.  “Since ‘without faith it is impossible to please (God)’ and to attain to the fellowship of his sons, therefore without faith no one has ever attained justification, nor will anyone obtain eternal life ‘but he who endures to the end.’”


LAMB Inspires

Thursday, March 7th, 2013

Here’s 3-min of LOVE. We LOVE this! Tim Harris owns his own restaurant — where hugs are on the menu! The sign says, “Tim’s Place: Breakfast, lunch and hugs!”

Tim has Down Syndrome — and is, we are told, the only restaurant owner with Down Syndrome. Greeting guests at the door with a hug — you can see the joy he gets from serving people food — and from giving a little bit of love!

As Tim says, “We serve breakfast lunch and hugs: hugs are the best part!” The Albuquerque restaurant calls itself “the world’s friendliest restaurant!”

Owning a restaurant has been a lifetime dream: “When he was 14 years old, he said he wanted to own a restaurant.” Tim sums up his philosophy of being a restauranteur — and life: “Food is food. I give them a hug and then they all feel better!”

You can check out Tim’s Place website: