Who Says You Can't Have the Best of Both Worlds?

By Jay Sedmak
SNPJ Publications Editor/Manager

I’ll open with a warning here: this blog post is about peanut butter and jelly. So if you’re even the slightest bit hungry as you begin reading this, you might want to grab a quick bite before you continue any further. Just remember, I gave you fair warning: I don’t want to be accused of ruining your New-Year’s-Eve-induced diet or wrecking the plans for your next meal.

When I was a kid, peanut butter and jelly (PB&J, for short) was my first choice when it came to sandwiches. That’s not very surprising though, considering the fact that most people my age have eaten PB&J sandwiches on an almost daily basis at some point in our lives. The PB&J sandwich was a staple in every kid’s lunchbox (or bag); PB&J was the go-to meal when we had to pull all-nighters in college; and when I moved into my first apartment, PB&J helped me through some of the leaner times when I had to shell out the vast majority of my paychecks toward rent. Ahhh, those not-quite-so good old days...

Given my long history and extensive experience with PB&J, I was surprised to learn that the peanut butter and jelly sandwich is a relative newcomer to the culinary scene. The earliest references to PB&J date back to 1901, but at that time the PB&J sandwich was most often served as a snack to the wealthy, to compliment an afternoon tea service, for example. Sliced bread wasn’t widely available for purchase until the late 1920s, grape jelly didn’t become popular until after the First World War, and peanut butter – even though it had become popular during the 1893 World’s Fair – remained a rather expensive product until the 1930s. Although they were enjoyed during the Great Depression years of the 1930s, the PB&J sandwich didn’t become a nationwide sensation until after World War II, which means it took more than 40 years for the PB&J to make its ascent to the top of pop charts.

There’s just something about the combination of peanut butter and jelly that makes the PB&J sandwich so very appealing to people of all ages. And the very same thing can be said about SNPJ life insurance. At this point I’ll borrow a few thoughts from an August 2012 blog post penned by SNPJ Marketing Assistant Denise Herron: “Term life insurance and permanent life insurance are two types of insurance that serve different purposes, but when combined work well together to keep you and your family protected throughout your entire life. ...[While] term life insurance is initially less expensive and may be the ideal form of coverage during the high-debt years, ...permanent life insurance is designed to cover you for as long as you live since the premiums remain the same throughout your life.”

When you combine the coverage of both SNPJ term and permanent life insurance, you’re getting the best of both worlds – the more affordable and greater face amounts offered through the term plans, along with the level premiums and cash values of the permanent plans. In essence, you’ll be creating the PB&J of the life insurance industry. Not only that, you’ll also be investing in your future with SNPJ, a fraternal benefit society that has been around for 110 years – which is nearly as long as the entire history of the PB&J sandwich.

The next time you find yourself craving a PB&J, keep SNPJ life insurance in mind and be sure to contact the SNPJ Sales Department by phoning 1-800-843-7675 to see how you too can enjoy the best of both worlds in terms of life insurance coverage. Make the call, then get to work on that sandwich!

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