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Back to the Foundation Blog

Young couple plan for an exceptional gift

Posted by

Tags: foundation, blog,

This article originally appeared in the July-August 2013 edition of Our Catholic Journey, the official publication of Catholic United Financial.


For a young family, planning the next week's budget is often tough enough, to say nothing of supporting charitable organizations that are important to them. Planning for the future can be overwhelming to young parents. The many milestones and expenses that they will face, including mortgages, car payments, school tuition, braces for teeth and much more, will compete for every dime. While some still give to charitable causes as their finances allow, most put off significant giving until much later in life.

Then there are families like the Jaegers.

Kyle and Kalene Jaeger are an exceptional young couple. They are the proud parents of three-year-old Philip, and five-month-old Henry. Even though Kyle and Kalene have a lot to plan for in their future, they have already provided a future gift of $250,000 in support of the Newman Center at North Dakota State University (NDSU), the First Choice Clinic, a pro-life ministry, and other charitable organizations. They believe that God calls them to tithe, and they trust Him to guide their financial decision-making. They also believe that their plans will allow them to provide for their growing family and for their charitable goals. How can a normal family with day-to-day jobs and two kids afford such a sizeable gift? By leveraging the gift of charitable life insurance.

"For only $80 a month, or $960 a year, the Jaegers' estate will provide $250,000 to the charitable organizations they are most passionate about. If they saved that amount each year in a piggy bank, it would take almost 261 years to reach their goal of $250,000."

As part of their tithing, they donate $80 per month to the Catholic United Financial Foundation. This tax-deductible monthly gift pays the premium on their charitable life insurance policy. For only $80 a month, or $960 a year, the Jaegers' estate will provide $250,000 to the charitable organizations they are most passionate about. If they saved that amount each year in a piggy bank, it would take almost 261 years to reach their goal of $250,000. The gift of life insurance provides them the leverage to substantially increase the power of their monthly donation without taking from the estate they will leave to their children.

Kyle and Kalene are committed to supporting these and other charities because of their values and the importance these organizations have had in their lives. For example, when they were in college, they relied on the faith and fellowship offered by the Newman Center at NDSU to help them build and strengthen their faith. Kyle truly understands the need for strong local Catholic ministries on college campuses. He currently serves as the Development Director of the Minnesota State University – Mankato Newman Center. He is helping the local Catholic community secure $4.5 million to build a new Newman Center and Church on the Mankato Campus to serve an estimated 5,000 Catholic students at the university. Research has shown that having a Newman Center on a campus helps to strengthen the faith of the Catholic students at a pivotal time in their lives.

The "coins of our lives" that we give away to support our faith and aid others are truly what will help define our lives and our legacies. The Jaegers are using a small monthly gift to ensure a meaningful and significant legacy remains from their time on earth. They are accomplishing this while still providing for the current and future needs of their family.

If you would like to learn more about how you can leverage life insurance to make your future charitable legacy while making sure your estate is available to your family, contact me at rheuermann@catholicunited.org or your Catholic United Financial Sales Representative. If you are interested in receiving more information about the MSU-Mankato Newman Center, you can contact Kyle Jaeger directly at kyle.jaeger@mnsu.edu.

Don't wait until it's too late for you to ensure that your legacy will remain. Many people with the best intentions think they have plenty of time to plan for their future estate goals. Unfortunately, when they realize they waited too long to put their plans on paper, the chance is lost forever. Remember what Winston Churchill said, "We make a living by what we get, but we make a life by what we give."


Copyright 2013 Catholic United Financial. No portion may be reproduced in any type of media without the express written consent of Catholic United Financial.


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