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18 | February 27, 2020 | 22nd century media active aging part one 22ndCenturyMedia.com Learn about Country Financial Protection for loved ones For an additional Country Financial and Country Life Insurance Co. offers an optional Return of Premium Rider for our 20-year and 30-year term Life Insurance policies. If someone dies while their policy is in force, their beneficiaries will generally receive the tax-free death benefit (subject to the terms of their policy). Get your premiums back If ones policy is still in force at the end of the level-term period, their premiums will be returned tax-free. One may use their returned premium however they wish, such as to pay for college or a Life Term Life Policies child’s wedding, to supplement retirement income, to pay off a mortgage, buy a vacation home or to fund or start a business. • Take Cathy’s situation, for example. She wants to protect her family, but also have the potential to get something back. • Cathy is 35 years old and wants to purchase $250,000 in 20-year term life insurance. She qualifies for the “Preferred, Non-Tobacco” health rating. • At the end of the 20-year term, with the Return of Premium rider, she would get back $10,250, tax-free, to use to meet whatever her needs are at that time. Convert to a permanent policy As life goes on, one might want to consider coverage that lasts longer. With a Country Term Life Policy, one may be eligible to convert to permanent coverage. People can do so before the end of the level premium period or age 65, whichever is earlier. Even if one’s health changes during their conversion privilege period, they can get a permanent policy that we offer at the time of converting, without a medical exam if one doesn’t increase the death benefit. Further, before the end of one’s term can Learn Social Ballroom Dancing PRIVATE &GROUP CLASSES •WEDDING PROGRAMS •FUN FILLED EVENTS Enjoy the Benefits of Dancing Exercise in aFriendly Environment Enjoy Social interaction Relieve Stress Succeed with our Unique System of Teaching Developed by Fred Astaire Himself Taught by our Certified Instructors Guaranteed to Make your Learning Rewarding INTRODUCTORYOFFER OF 2SESSIONS FOR $40 708-478-5722 mokena@fredastaire.com elect to have the premium amount paid toward the new policy. What happens if I die before the level-premium period ends? One’s beneficiary will receive the policy’s death benefit (tax-free), minus any outstanding loans plus loan interest, subject to the terms of the policy. The premiums paid will not be returned. Certain restrictions apply and one should refer to their term life insurance policy or rider, or speak to their Country Financial Representative, for availability and further details. This is not a statement of coverage or offer of insurance. One may not receive the full returned premium amount if they convert at age 65 and have not reached the end of the level-premium period. Term Life Insurance Policies and Return of Premium Rider issued by Country Life Insurance Company, Bloomington. Submitted by Gary Bronner Country Financial, 827 S. State St. in Lockport. For more information, call (630) 863-4775. Tinley Court Catered Senior Living is all about family No one should be alone in caring for their senioraged loved one. It literally takes a village. At Tinley Court Catered Senior Living in Tinley Park, we offer many support resources so that you or your loved one only has to make the transition once in your/their golden years. Many of our residents are long-term residents; some have been here 12 years and nine years even with us through hospice care, considering Tinley Court as their home. Our exceptional team of caregivers offer personalized care plans recognizing that each individual is not a cookie cutter circumstance. We have the resources to offer our residents, such as a primary care doctor, nurse practitioner, therapy group, podiatrist, dentist, audiologist and so much more IF (not when) a need should arise. Our residents are not required to utilize these, but it’s the convenience of knowing these options are available to them and it gives their family members a peace of mind knowing that their loved one’s needs are being met. Throughout the years, Tinley Court has refined our services to our seniors so they can be their best selves. Our mission is to give our residents a loving, safe and caring environment in a warm and homey setting. If you’re looking for shiny, new, all the bells and whistles that is not Tinley Court. At Tinley Court we feel we excel in such areas as care, detail to activities provided, cleanliness, respect toward the people that make up our community and looking out for the well-being of each of our residents. Not to mention the exceptional financial aspect of it, we are the best deal in town. We are a private pay establishment working with a group that can help through the process of obtaining financial aid if you are a veteran or surviving spouse of a veteran. In addition to providing a permanent living environment, we also offer respite stay at Tinley Court, so if you or your loved one is in need of exceptional care for only a short term period we can help with that as well. We believe in offering as much as possible for the best deal as possible. So for one monthly fee we offer not only the living space, but three meals a day in a dining room setting, all your utilities (except for phone/ cable services), weekly housekeeping, daily activities that include outings and live entertainment, staffing 24 hours/seven days a week for the wellbeing and security of all our residents. Whether for a short term stay or longer period of time, Tinley Court Catered Senior Living may be exactly what one is looking for. Tinley Court Catered Senior Living in Tinley Park is a community where independence thrives and is encouraged while compassionate care and respect are a given. Come see all that Tinley Court Catered Senior Living has to offer. Call today to schedule a tour and come feel the difference. Submitted by Tinley Court Catered Senior Living, 16301 Brementowne Road in Tinley Park. For more information or to schedule a tour, call (708) 532-7800, or visit tinleycourt. com.
22ndCenturyMedia.com active aging part one 22nd century media | February 27, 2020 | 19 Seek useful information from a trusted family law group source We’re getting older, but we still have options. A certain football halftime show featured a celebrity who is also an athlete and an entertainer. The celebrity is 50 years old, but she demonstrates her seemingly ageless body and remarkable skills. Of course, we would need to make physical training a full-time job to even come close to her much-talked about performance, and that’s not going to happen! We ordinary people will age. Sure, we’re getting older, but we still have options. What do we expect to change this year? Do we want to know how to improve our quality of life? Aging is a loss of function, the function of our bodies, the function of our brains and the function of our emotional reasoning. But we can fight for improved function of body and brain through proper nutrition and exercise. And when we think of exercise, let’s think of exercising our brains every day. Even if we have never thought of exercising our emotional reasoning, life has a way of reminding us: we have suddenly had a loss due to divorce, illness or financial collapse. When we consider the depression we risk in our twilight age, we are motivated to seek useful information from trusted sources, such as Gwendolyn J. Sterk and the Family Law Group P.C. to help us scrub off the burdens of age (emotional pain, financial illness, divorce disaster). Aging is natural, but we don’t need to surrender! In her book “Aging Backwards,” Miranda Esmond wrote: “If the gardener tends to her garden, diligently watering her plants and ensuring they get the right amount of sun, nutrients and water, her plants will flourish and grow. If, however, she neglects her garden, it will soon become overgrown with weeds, and, without nutrition or water, the plants will die. Both of these outcomes are equally ‘natural.’” The good news is that if we seek help from our trusted resources, we will improve our quality of life. Our bodies and brains can heal and get stronger. We can bring out much more of our physical and cognitive abilities and avoid becoming old and helpless. With increased awareness of our physical and mental needs comes control. From control, we get order, reason, comfort, peace. To schedule a free, noobligation consultation with one of Sterk Family Law Group’s Family Law or Estate Planning attorneys, call (815) 600-8950 or visit sterk familylaw.com. Submitted by Sterk Family Law Group, 11508 183rd Place in Orland Park. For more information, call (815) 600-8950 or visit sterkfamily law.com. To protect yourself and your loved one. Having a plan in place ensures you are in control and all of your concerns are addressed. To save yourself and your loved ones time and money. The costs of Estate Planning pale in comparison to the potential attorneys’ fees and costs associated with probate. To make your wishes known and leave guidance on your affairs. Designate a guardian for your children and spell out exactly what you want. To plan for the unexpected. Estate Planning is not just about dying; having a plan in place in case is necessary if you are temporarily or permanently incapacitated & can’t take care of yourself. To give yourself piece of mind. Knowing that your Estate Plan is complete is a huge weight off your shoulders. You can rest assured your loved ones will be best cared for based on your wishes. Sterk Family Law Group Empower ourself With Options Call Us for a Free Consultation 11508 W 183rd Place NW Orland Park, IL 60467 815-600-8950 sterkfamilylaw.com YEARS ADVERTISING MATERIAL
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