r
All
the tap beer
you can drink!!
Every Thursday
7 pm -1 am
Guys - $3. 00 Girls -$2.00
The Fun Place To Go.
ai 14th & '()"
1
7
$
1
99
is,
1
PILE LINED SNOW BOOTS ... U .. ,
Fully pile lined for greatest warmth with genu
ine leather uppers and sure grip polyeure
tnane soles, brown only. Reg. $24
Also available with taupe suede uppers just
$13.99. Reg. $20.
3
voidi
Fetor
lip
Shock
Why think about life insurance and estate
planning now while you're young?
Because the best way to avoid financial
crisis in vour leisurely years is to
effective!) manage our most productive
vears. The older you get, the more it
costs to protect your family and business.
Your Fidelity Union Life estate planner
can show you how to prepare for a secure
future now.
Call the Fidelity L'nion I i Id Associate
in our urea:
C G Severin & Associates
Suite 200
1125 ,3 Street
432-0146
s.'
..it :Hx
Fidelity
Union Life
Agent: prof's claims unfair
By John Kalkowski
"When you make specific charges
against an insurance company and put it
at a disadvantage, you run into
problems that may never be able to be
corrected," said Charles Severin, gen
eral agent for Fidelity Union insurance
company.
Severin said he had been told by at
least five UNL students that Leonard
Berekson, an associate professor of
finance at UNL, had made open charges
against Fidelity Union in his classes. He
added that one student had made a
signed and notarized statement saying
Berekson had made the charges.
"I feel that it is unfair to be able to
use the power of being a professor to
slant the student's view of the insurance
industry," he said. However, Severin
said he had recently discovered that a
Nebraska law exists which allows
university professors to serve as insur
ance consultants without licenses and
operate entirely within their legal
rights.
Five major complaints
Berekson, who said he receives
complaints against insurance companies
on the average of one every two weeks,
has five major complaints against the
insurance:
premium financing, which defers
the payment of insurance premiums by
loans. According to Berekson, deferred
payment plans make it easy for the
insurance company to get the students
on their.books.
"garbage items" such as double
and triple indemnity bonds which
protect the bond holder from losses
resulting from his failure to fulfill
obligations.
disability income which would
provide weekly benefits to employees
for accident or sickness not covered by
workmen's compensation laws.
utilization of high, cost cash, vajue,
vmcri is the amount available, to the
policy holtior--whetf""he cancels the
policy.
tying in the amount of insurance
sold to the amount that can be financed
by the student.
According to Berekson, the focus on
how much insurance should be pur
chased should be based on the needs of
the individual student.
Severin said that after selling a policy
recently, his office received compli
ments on the exceptional service to the
policy holder. About a week later, he
said the home office of Fidelity Union in
Dallas received a complaint from that
student about not understanding the
article. According to Severin, Berekson
had helped the student.
Berekson said that he might have
helped the student, but could not
remember specifically who the student
was.
"They (Fidelity Union) even sug
gested that I might have written the
letter," he said.
Berekson said he had no question that
Fidelity Union follows the letter of the
law. But, he added, some of the laws
might need to be changed.
Public needs more education
Both Severin and Berekson said they
believe the public must be further
educated about life insurance.
According to Severin, Fidelity Union
"bends over backward" to recognize
complaints that take place from mis
understandings. He pointed to the many
checks and questionnaires Fidelity
Union distributes to policy holders to
make sure they understand their
policies.
Fidelity Union has never had a
complaint from the UNL administration
about its sales practices, Severin said. .
"The students have to believe in the on'
integrity of the company.. It's their 'R"t'
confidence we are concerned about," he
said.
Fidelity Union has the largest
campus-marketing division for life
insurance and Jcpjitrols a major part of t
j'fthat market in theunited States.
Started in 1927, Fidelity Union has
four times the business of its nearest
competitor in the campus market, ,.
according to a 1972 issue of Wall Street "
Report , ;
H you'm not sum
wluil'sotil thorn,
how t an you
know whom
yon'ro oiiiu or
liow lo not thorn?
: ' ' 1 i m Science
It .(; you r.qu.iif'ly
Hi Hi" n-nti'i of !h- bold
and exciting, tt'tp im
I j t;in! tt(,"i(Jr. of thought.
It 0iV'" ,) fll t.th.Hi'l.
I i. .)'-.' ! . I VM '.V Of th!
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n,hn ,.'!!!iTii;; You see
whi't'- yoi; lit in things
I he Monitor door.n't
do yoia thinking for you.
hi .1 quick loadable stylo
i givos you tho facts to
tor in your own decisions.
N'.ws, commentary,
the Jits, politics, science,
fashion, spot ts business:
the Monitor is an excit
ing daily ne.vspapor
(Monday - Friday). Less
than 10(. a copy on. your
spuc;al rate.
Yes. I II invest $8.25 in my future,
lor 'i months of The Christian
Science Monitor.
I ll!l--tll 'IK 1 1 " ,0 ( i I 'ill II" III' i
n.n.i'.
Cty
if'!'.
punt)
Apt.
Stale ZIP
The Christian Sciencs Monitors
Be a iro, Aator SfJticn
boston. f.V!,;.!Cf;(i f3 02123 t
art
prints
wp7 Jo
ART PRINTS checked out from Union Art Lending
Library are due TOMORROW. Return prints to
Union Conference Rm. (across from Smal
Auditorium) between 11 a.m. and 3:30 p.m.
Records and prints may also be returned to Union
115.
Important: Names of students who fail to return
art prints or records will be submitted to the
University Conduct Referrals Office for appropri
ate action.
I"
I
I
!uif One
10
e One
i 1 ,
o
o
i
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i
i
i
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s
i
S1.65
DL
D
O
O
Get 3 pieces of
finger-lickin good
chicken, roll, potato.o
and cole slaw
anrlnro
Kentucky Fried Chicken
Bring in this coupon
Good thru Dec. 31 only
Four locations in Lincoln
M00 N. 48th 48 & Van Dom
So. & 12th 71st & O
page 14
daily nebraskan
thursday, december 5, 1974
