It’s time again for one of KSKJ Life’s most meaningful traditions — our Supporting Soldiers National Initiative! This year, we’re proud to once again partner with Honor Flight, an incredible organization that gives veterans the opportunity to travel to Washington, D.C. to visit the memorials built in their honor.
Now through January 3, 2026, we’ll be uniting as a KSKJ Life family to raise funds that help make these unforgettable journeys possible. Even better — the KSKJ Life Foundation will match all donations up to $5,000! That means your generosity goes twice as far in honoring those who’ve given so much for our freedom.
Whether you give online or through your local lodge, every contribution makes a difference. Let’s come together, share our gratitude, and help more veterans experience their Honor Flight journey.
Join us in supporting our heroes — your donation today can help send a veteran on the trip of a lifetime.
Annuities are getting a lot of attention lately — and for good reason. With our rates still as high as 5.60% APY1, they’re helping many people grow their savings safely and predictably. But with that attention comes a fair share of myths.
Let’s clear up a few of the most common ones.
Myth #1: My money is locked up forever. Fact:While annuities are typically meant for long-term growth, KSKJ Life offers Multi-Year Guaranteed Annuities (MYGAs) with flexible terms (2 to 10 years) and optional riders2 for withdrawals. That means you can plan for the future while still having access to your funds when life changes.
Myth #2: Annuities don’t earn much. Fact:With interest rates still among the highest in years, KSKJ Life’s fixed annuities are currently offering competitive rates — up to 5.60% APY — giving your savings a dependable way to grow over time. But these high rates won’t last forever!
Myth #3: Annuities are too complicated to understand. Fact:KSKJ Life’s fixed annuities are straightforward — you earn a guaranteed rate for a set period. No market guesswork, no surprises — just predictable growth backed by a company that’s been serving members for more than 131 years.
KSKJ Life annuities are designed to offer stability and confidence, helping you grow your savings in a simple, secure way.
Required Minimum Distributions can feel confusing, but they don’t have to be stressful. In our newest blog, we explain RMD basics — and share a few ideas for putting that money to good use for your future.
First of all, what is an RMD?
If you have a tax-deferred retirement account — such as a traditional IRA, 401(k), or 403(b) — the IRS requires you to begin taking Required Minimum Distributions (RMDs) each year once you reach a certain age.
As of 2025, individuals generally must start taking RMDs at age 73 (rising to 75 in 2033 for those born in 1960 or later).
These withdrawals are designed to ensure that taxes are eventually paid on the money you’ve been saving tax-deferred all these years. Your RMD amount is based on your account balance and life expectancy, as determined by IRS tables.
If you’re nearing retirement, it’s easy to focus on financial planning and overlook something just as important—your vision. As we age, regular eye exams are key to maintaining healthy sight and can even detect early signs of conditions like diabetes and high blood pressure. But many people lose their employer-sponsored vision coverage once they retire, making it even more important to plan ahead.
As a KSKJ Life member, you can stay proactive about your eye health with access to discounted plans through VSP®Individual Vision Plans. Learn more about this valuable member benefit today!
November 26th - January 6,2026: Lodge #150, Cleveland - Matching Funds event to benefit St. Jude's. Holiday Light Display at the Rambacher Property, 8636 Brandywine Rd., Sagamore Hills, Ohio 44067
November 30th:Lodge #2, Joliet- Annual Meeting & Christmas Luncheon
The lodge will also nominate, elect and install officers for 2026. The meeting will be followed by a Christmas Luncheon. 1pm-4pm
December 7th: Lodge #29,Joliet - Meeting and election of officers for 2026
KSKJ Life (Life Insurance and Annuities) is an Illinois fraternal benefit society located at, 2439 Glenwood Avenue, Joliet, IL 60435, 800-843-5755 (in CA: "KSKJ Life, A Fraternal Benefit Society")
(1) Product refers to KSKJ Life MYGAs (Multi Year Guaranteed Annuities) which are multi-year, single deposit deferred contracts with a guaranteed interest rate for the term of the contract, after which the current renewal rate will apply. Advertised rate of 5.60% is for the 5-year and 6-year MYGA effective as of 10/1/2025 and subject to change and reviewed frequently. Minimum and maximum deposit limits exist. Issue ages vary. Surrender charges may apply. Market Value Adjustments (MVA) apply to the full amount of surrender that is in excess of any free withdrawal (from rider purchase) during the multi-year guarantee period. (2) A purchase of a withdrawal rider will decrease the advertised rate. Not FDIC Insured. Products may not be approved or offered in all states. Guarantees rely on the financial strength and claims-paying ability of KSKJ Life. Early withdrawals and those made prior to age 59 1/2 may be subject to IRS penalty. We are not tax or legal advisors – Please contact a tax or legal professional regarding the law concerning tax and retirement plans. By contacting us, you may be offered information by an agent about purchasing life insurance or annuity products. KSKJ Life MYGA form ILCC24-SPDA 0324.
CONFIDENTIAL NOTICE: This message is intended only for the individual or entity to which it is addressed, and may contain information that is privileged, confidential, or exempt from disclosure under applicable law. If the reader of this message is not the intended recipient, or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is prohibited. If you received this communication in error, please notify the sender by replying to this message and delete or destroy all copies of this communication and any attachments. By contacting us, you may be offered information by an agent about purchasing life insurance or annuity products.
