Knights of Columbus Insurance

Metro Omaha, Nebraska

 

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Time...

 
by Tim Heller, FICF
 After a Knight's funeral the other week, my thoughts were with the family of that Brother Knight…to his wife, his children, his beautiful grandchildren.   Afterwards, I went inside and sat down at my computer and began typing…

  

Wheat, corn, oil, uranium, diamonds, gold, platinum…

What is the single most valuable commodity in the entire world?

What is so valuable that, throughout the course of history: kings and queens, emperors and politicians, even Popes and paupers have gone to the ends of the earth to covet?

What is so valuable that men have been willing to sell their souls to obtain?

What is the one thing that even Warren Buffet and Bill Gates combined can’t buy?

My friends, what is the one thing that even you will NEVER have enough of?

Four simple letters.  TIME

Do we ever have enough time with the ones we love?

Do we ever have enough time in the day to accomplish the most important things?

Do we ever spend enough time in every day with our Lord and Savior?

Do we know the hour and day when we will have no more time?

Will someone ring a bell the day or week before we have no more time?

Will you wake up tomorrow morning?

Is there still enough time?

Have you spent enough time planning for this eventuality?

Do you know beyond a shadow of a doubt that your family will have the resources they need to fill the financial void you leave behind?

Will they know that you took the time to show them that you cared enough to meet their needs?

Put your watch to your ear and listen closely to the tick-tock of the second hand…Those seconds are gone.  That time is gone, forever.

You are now seconds closer to the day you hear those words from your doctor…

You are now seconds closer to the moment you will hear these words from a priest "Through this holy anointing may the Lord in his love and mercy help you with the grace of the Holy Spirit.  May the Lord who frees you from sin save you and raise you up." your last rites.

You are now seconds closer to the moment you can no longer make changes in how you will be remembered.

Some of you are like me, you’ve buried grandparents and maybe a couple of friends (albeit, too early.)  Some of you have buried wives…some sadly children…some sadly grandchildren.

Will you be remembered as one who did the right things and made the right plan for that moment in time?

Take time for the ones you love.  Take time to spend with your Lord and Savior in prayer and adoration.

Take the time to meet with your Field Agent.  Take the time to put the right plans in place.

Take the time…for the ones you love.  Brothers, take the time to do what is right.

 

What do these designations (letters) mean?

In a nutshell, it means that your Knights of Columbus Field Agents are highly trained and educated professionals.  We undergo continuing education on an annual basis to prepare us to better serve our members.  To the Knights of Columbus, have a license is not enough.

  Fraternal Insurance Counselor (FIC)

69 hours of Continuing Education to train the financial professional in the following areas: Life Underwriting & Ethics, Individual & Family Total Needs Planning, Business Continuation / Retirement Planning  

A discussion of the history and development of fraternal benefit societies, reviews of life insurance concepts and ethical challenges faced by insurance professionals with a spotlight on solutions for solving them, including useful case studies addressing real-life situations.

Additional focus on meeting individual and family needs through life insurance, explaining the concept of "total needs planning" through two different methods - capital utilization and capital retention - to provide solutions to current financial challenges. 

Followed by advanced study in business continuation, executive compensation, retirement planning, estate planning and investment.

Fraternal Insurance Counselor Fellowship (FICF)

72 hours of Continuing Education to train the financial professional in the following areas: Estate Planning, Business Insurance and Investment & Financial Products.

Advanced study in concepts of estate planning solutions focusing on the planning process and working with members of the estate planning team.

Additional advanced work in concepts of business insurance focusing on the topics of business continuation, buy/sell agreements, key-executive coverage, split-dollar plans, group term coverage and Section 303 redemptions.

Followed by discussion on the practical application of financial products with spotlight on the role of investments, risk and return, savings/liquidity vehicles and life insurance annuities; investing in stocks, bonds and pooled investment vehicles; and specualting in futures in options.

Certified Senior Advisor (CSA)

A Certified Senior Advisor is a professional who has completed a rigorous course of instruction in the concerns facing seniors.  The course is taught by nationally recognized panel of experts in social work, law, medicine, gerontology, geriatrics and financial planning.  Upon completion of the course, candidates for the designation must pass a comprehensive exam to demonstrate their knowledge of the issues and their commitment to meeting the needs of their senior clients.

 Specific modules include:

Trends In Aging               Principles Of Aging

Social Aspects of Aging       Alzheimer's and Dementia

Chronic Illness in Seniors    Financial Planning

Estate Planning               Social Security

End-Of-Life Planning          Senior Spirituality

Medicaid Planning             Tax Planning

Senior Housing                Long-Term Care

Resources for Seniors         

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Send mail to tim.heller@kofc.org with questions or comments about this web site.
Copyright © 2007 Tim A. Heller, Knights of Columbus
Last modified: June 25, 2008