By Oklahoma Insurance Commissioner Glen Mulready

You’ve just purchased a beautiful, expensive piece of jewelry that you want to protect if lost, damaged or stolen. So, you ask your insurance agent to add a condition to your home insurance policy. As a small business owner, you make an addition to your insurance policy that would exclude or eliminate coverage for your company’s particular type of risk. These examples require changing your current, existing insurance policy; you can do that with an endorsement. An endorsement, also known as a rider, adds, deletes, excludes or changes insurance coverage to increase coverage by way of an endorsement/rider. The endorsement/rider takes precedence over the standard limits of coverage over the original agreement or policy.
TOP CONSIDERATIONS
How an insurance endorsement/rider works. An insurance endorsement/rider is an amendment to an existing insurance contract that changes the original policy’s terms. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. An endorsement may affect insurance premiums, and premiums may change as a result.
You can have an endorsement/rider on your homeowners and renter’s policy, life insurance, and auto insurance policies. Endorsements/riders may include adding or deleting people and locations to your current insurance policy. Endorsements/riders are important because they address issues or items not included in the original contract or policy.
* Additional Coverage – An endorsement that adds or includes coverage that would otherwise be excluded.
* Exclusions – Some endorsements exclude coverage for certain types of claims.
* Modification of Coverage – An endorsement can expand the scope of existing coverage.
WHAT YOU SHOULD KNOW – Be informed of any insurance policy changes. An endorsement can vary depending on the insurance company and the type of insurance to which the endorsement applies. If you receive a document stating there is an endorsement to your policy, be sure to compare it to your original policy, and talk with your insurance agent or representative about the changes to make sure you understand them.
Educate yourself on how an endorsement can protect your belongings. If you have expensive jewelry, like a diamond engagement ring or vintage necklace, you might want to consider an endorsement/rider. It will take over and protect these items, where a traditional home insurance policy might end. Other things worthy of an endorsement/rider may include antiques, fine art, and priceless stamp or coin collections, to name a few.
For instance, many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection. Many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection.
An optional endorsement that protects the rebuild cost of your home is an inflation guard endorsement. These endorsements are common and automatically increase the amount of insurance on your home by a certain percentage each year to account for the disparity caused by inflation.
THREE THINGS TO REMEMBER – An endorsement/rider alters the policy and becomes part of your legal insurance contract.
Always keep a copy of the endorsement and the change notice that accompanies the endorsement along with your copy of the original policy since it remains in force until the contract expires.
Endorsements can reduce or increase your policy premium.
For more information, please contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at: https://www.oid.ok.gov/.

The Oklahoma History Center is pleased to announce a performance in the Kilgen Organ series featuring organist Christian Elliott. He will provide the accompanying music and sound effects to the American western silent film “The Mark of Zorro” (1920) starring Douglas Fairbanks. This performance will take place on Monday, February 27, 2023, from 7 to 8:30 p.m. Tickets are $10 for Oklahoma Historical Society members and $20 for non-members, and may be reserved by calling 405-522-0765. Doors will open at 6 p.m., and seating is on a first-come, first-served basis.
Christian Elliott is a prominent concert organist, equally at home performing literature of the church and theater. Elliott’s career has included extensive silent film accompaniment at venues including the Academy of Motion Picture Arts and Sciences, the Packard Foundation’s Stanford Theatre and the University of California, Los Angeles. Elliott was privileged to be mentored by several world-renowned organists and worked extensively with the “dean” of silent film accompaniment, Gaylord Carter. Elliott was named Organist of the Year by the American Theatre Organ Society in 2009.

INTEGRIS Health is celebrating 35 years of kidney transplantation. Surgeons with the INTEGRIS Health Nazih Zuhdi Transplant Institute have performed more than 2200 kidney transplants since the program began.
The INTEGRIS Health Kidney and Pancreas Transplant Center offers superior outcomes for kidney transplants from both living and deceased donors. It consists of one of the largest and most experienced transplant teams in the United States.
E.N. Scott Samara, M.D., is the surgical director of kidney transplant at INTEGRIS Health Baptist Medical Center. He conducted the first kidney transplant at the facility and still practices today. He is proud of what the program has accomplished through the years
“I have been grateful to see over 2000 patients be able to avoid or stop dialysis and live normal productive lives,” says Samara. “In the last 15 years, I have even been able to work with my son, Dr. Shea Samara, and Dr. Jose El-Amm, who is the medical director of kidney transplant and like a son to me, which has been both professionally and personally fulfilling.”
Every ten minutes another person is added to the national transplant waiting list. Of those, 82% are in need of a kidney. There are more than 90,000 people in the United States waiting for a kidney donation. The average wait time for a kidney is three to five years from a deceased donor. With living donation, a patient may be able to receive a transplant much faster. To learn more or schedule an assessment, call 405-949-3816.

New general admission prices effective Thursday, February 9, 2023. With more than 1,000 animals to see, immersive habitats and memorable experiences, OKC Zoo remains top destination at best-value among state attractions.

On Tuesday, January 17, 2023, Oklahoma City Council members approved price adjustments to general admission prices for the Oklahoma City Zoo and Botanical Garden. Beginning Thursday, February 9, general adult admission will increase from $12 to $16, and admission for children ages 3 to 11 and seniors 65+ will increase from $9 to $13. Children two and under receive free entry into the Zoo. City Council also approved adjusted admission prices for student field trips which will be decreasing from $6.15 to $6 per student 3 to 11 and from $9.25 to $9 for students 12+. Educators wishing to make a reservation for a field trip can do so online at:
https://www.okczoo.org/self-guided-field-trips.
The Zoo’s last admission increase took effect February 2020.
ZOOfriends’ memberships will also be increasing effective February 9, 2023. Zoo fans are encouraged to join now and purchase memberships at our current prices. All ZOOfriends memberships are good for one year from date of purchase with the same incredible benefits including unlimited Zoo visits for a year and additional discounts. By purchasing a membership, you are also supporting the OKC Zoo, its growing animal family, conservation efforts and expansion including the awaited opening of Expedition Africa this summer! Purchase ZOOfriends memberships online at:
https://www.okczoo.org/membership.
The Oklahoma City Zoo is in its winter hours and open Thursday through Monday from 9 a.m. to 5 p.m. with the last entry at 4 p.m., and closed to the public on Tuesdays and Wednesdays through February 8, 2023. Purchase advance Zoo admission tickets at okczoo.org/tickets and avoid the entry lines. Located at the crossroads of I-44 and I-35, the OKC Zoo is a proud member of the Association of Zoos and Aquariums, the American Alliance of Museums, Oklahoma City’s Adventure District and an Adventure Road partner. Regular daytime admission is $12 for adults and $9 for children ages 3-11 and seniors ages 65 and over. Children two and under are admitted free. Stay connected with the Zoo on Facebook, Twitter, Instagram, Linktree and TikTok, and by visiting our blog stories. Zoo fans can support the OKC Zoo by becoming a ZOOfriends member. Starting at $45, memberships can be purchased at www.okczoo.org/membership and provide access to the OKC Zoo for an entire year plus, additional benefits and discounts. To learn more about Zoo happenings, call (405) 424-3344 or visit https://www.okczoo.org/.

Story by Darl Devault, Contributing Editor

Seniors seeking affordable books and audiobooks can shop at the largest used book sale west of the Mississippi—the annual free two-day 43rd Friends of the Metro Library Booksale 2023. Thousands of book lovers will line up early Saturday, February 25 and Sunday, February 26, well before the 9 a.m. opening in the Oklahoma Expo Hall at the Oklahoma City State Fairgrounds. The sale closes at 5:30 p.m. each day.
“This event is such a great opportunity for folks to build a personal library and support the public library,” said Heather Zeoli, Metro Library System director of development.
Providing a diverse selection of paperback and hardcover books, CDs, DVDs, magazines and more for every demographic of customers this year, the sale’s theme is “Books Bring Us Together.” The books and much more feature a wide range of subjects—including fiction, nonfiction, cookbooks, biographies, medical, westerns, romance, children’s, encyclopedias, reference and foreign language books. Thousands of big print books printed are offered with larger point-size fonts to make it easier to read if you have weak eyesight, along with thousands of audiobooks.
In the General Area, hardback books are two dollars, paperbacks are one dollar (children’s paperbacks are 50 cents), and magazines are 3 for a dollar. Price lists for items in the general section are available online at supportmls.org/fol/booksale. Collectors go for the Items in the Better Books Room, which vary in price, mostly under $5.
The sale raises money to support the Metropolitan Library System In its 42-year run, the Friends have given more than $5 million in grants to the system. (STORY CONTINUES BELOW)

All of this is the product of the tireless efforts of hundreds of volunteers each year. “The volunteer connection lasts through the whole year – we hope everyone will come and join us for new friends and new books,” Zeoli said. Volunteering can provide seniors with a sense of purpose and fulfillment, an opportunity to socialize and connect with others, and positively impact their mental and physical health. It is a great opportunity for seniors to stay active and engaged with the community and contribute to positively impacting their peers’ lives.
With 800,000 books available, the sale becomes the largest bookstore in Oklahoma. Selective shoppers are advised to volunteer or join the nonprofit to ensure the best possible purchasing opportunity. Volunteers helping this year will be treated to the best possible selection opportunity available by having access to the sale on Thursday for a special volunteers-only session. Volunteer shifts are still open, as the group needs your help, so please visit supportmls.org/volunteer.
All volunteers receive a free T-shirt, service hours, and the chance to purchase items before the members’ sale. Volunteers are also welcome to shop on Sunday night and take materials for free. “Love of books and reading inspired my volunteering with the Friends of the Library,” Valerie Hernandez said. “Making sure others have the opportunity to select from all these books is why I help at both the sort site and the sale.”
Customers shop for many reasons. Some try to select bestsellers, classics, collectibles and research books needed for school. Others seek to complete personal libraries in certain subjects, while parents strive to enhance their children’s reading exposure.
Those who become members for $15 ahead of time can shop a Presale from 1 – 7 p.m. on Friday, Feb. 24. Held the day before the sale goes public, members are invited to first access. Children 11 and under accompanied by an adult are free. Those wishing to join the Friends may purchase memberships online until noon on February 23 by visiting supportmls.org/fol/membership. No memberships will be sold at the sale.
The sale is well established on the literary sale calendar for customers from all over Oklahoma, surrounding states and the region. The multi-day event attracts more than 10,000 book shoppers. Each year, a quick parking lot survey shows many customers are from out of state, coming to Oklahoma for the vast selection. In some ways, the diverse selection offered represents a snapshot of high-quality current American publishing with the bonus that everything is available for affordable purchase.
The Friends offer a year-round Amazon store to access their selection at Amazon.com. They also provide ‘Buy the Box’ sales where volunteers package and seal books by genre – buy a box of romance, mystery or children’s books – and enjoy the surprises inside.
The shopping is so robust at the sale volunteers offer a dozen checkout points in each section. And yet, so many customers arrive early a line forms for the first few hours each day.
The shopping is intense, almost competitive, as this is a once-a-year opportunity. Customers quickly buy the best music or audio CDs, gaming systems and video games, eReaders, DVDs and vinyl records. Organizers ask shoppers to refrain from bringing wheeled carts so everyone can quickly move among the sections of tables laden with thousands of books. Tables include a broad cross-section of interest, including books by Oklahoma authors—to books about Oklahoma.
Some year’s special sections offer brand new books donated when bookstores and Oklahoma publishing houses use their donations to balance their inventory.
Many business and industry concerns are well represented when entities going out of business donate their libraries. Retiring attorneys and doctors donate to provide shoppers the chance to buy current-within-four-years law textbooks or books of law statutes and medical textbooks or medical journals at a steep discount.
On Sunday night from 6 – 8, educators and nonprofits are invited to visit the sale and take home any leftover items for free. For more information and registration, please visit https://supportmls.org/npt/.

Again, volunteer shifts are still open, as the group is looking for help. To volunteer for the Booksale, visit https://supportmls.org/fol/volunteering/.

Three Oklahoma hospital administrators were recently elected to the Oklahoma Hospital Association (OHA) board of directors for the 2023-2025 term.
Elected to at-large positions are Richard Lofgren, MD, chief executive officer, OU Health; Tim Pehrson, president and CEO, INTEGRIS Health; and Krista Roberts, chief executive officer, St. Mary’s Regional Medical Center, Enid.
Tammy Powell, president, SSM Health St. Anthony Hospital – Oklahoma City, enters her second year as chair of the board. Others serving on the board’s executive committee are Denise Webber, chair-elect, president/CEO, Stillwater Medical Center; Jay Johnson, immediate past chair, president/CEO, DRH Health, Duncan; and Daryle Voss, at-large executive committee member and southeast region chair, president and CEO, Mercy Hospital Ardmore. (STORY CONTINUES BELOW)

Continuing their terms as regional chairs on the OHA board are Kandice Allen, northwest region chair, CEO, Share Medical Center, Alva; Jim Gebhart, Oklahoma City region chair, community president, Mercy; Jonas Rabel, northeast region chair, chief hospital executive, INTEGRIS Miami and Grove hospitals; Michael McBride, Tulsa region chair, regional president and chief operating officer, Ascension St. John Medical Center, Tulsa; and Brent Smith, southwest region chairman, Comanche County Memorial Hospital, Lawton.
Continuing as at-large members are Charles Grim, secretary of health, Chickasaw Nation Department of Health, Ada; Richie Splitt, president and CEO, Norman Regional Health System; and Bennett Geister, CEO, Hillcrest Hospital South, Tulsa.
Corey Lively, CEO, Great Plains Regional Medical Center, serves as the American Hospital Association delegate to the OHA board; and Steven Crawford, MD, chair of the department of family and preventive medicine, OU College of Medicine, serves as the physician member.

Two venues with two different topics will include more education partners

Beginning its eighth year of free educational seminars, the Senior Living Truth Series has announced expansion of its offering with two different workshops each month in two separate locations.
The new locations are in the Atrium at Crossings Community Church, 14600 North Portland Ave, and the Patience S. Latting Northwest Library, 5600 NW 122nd St. Programs at Crossings will be on Thursdays, and programs at the Northwest Library will be on Tuesdays.
“Both new venues offer more education-friendly environments,” said co-moderator Dr. Nikki Buckelew, PhD. “We are hoping to attract a more diverse audience.
“The success of the Senior Living Truth Series is due largely to the support of our education partners.
It is because of them we are able to continue offering the programming at no cost to attendees. In addition to their financial contributions, education partners are selected due to their commitment to providing information and resources to attendees without obligation. That’s right – no sales and no sales pitch – ever. We want people to make informed decisions with no strings attached.” (STORY CONTINUES BELOW)

Attendance has ranged from 150-200 monthly at the past location, Quail Creek Golf & Country Club, but the Crossings location will accommodate even more in an education-friendly environment. While the Northwest Library location is smaller, Buckelew said she was excited to be able to add this educational opportunity to the library’s calendar.
She will remain the primary moderator for the Crossings seminars, but education partners will rotate responsibility at the Northwest Library location. Topics will be more broad-based, and this venue will include more panelists.
One education partner expressing excitement at the expansion was Marilyn Olson, VillagesOKC executive director.
“Professionals and organizations who provide information without a sales pitch give added meaning to the phrase ‘knowledge is power,’ ” Olson said. “Mature adults are seeking trusted information – more than from the internet. This is a free monthly series providing that opportunity. Here attendees learn from a wide variety of professionals and organizations who present, and sessions also allow time for attendees to talk personally with education partners.”
Here are the January series topics:
January 12 in the Atrium at Crossings Community Church
The Truth about Choosing Your ‘Forever’ Home: Staying Put or moving on
Maybe you’ve decided to stay in your current home and “make it work” or is it possible you’ve decided to sell your current home and buy another one in preparation for getting older. Some people call this next home their “Forever Home.” Either way, you’ve made a choice to avoid moving into a retirement community.
January 24 at the Northwest Library
Smart and “Not so Smart” Accessibility Ideas for Your Home
Planning to stay in your current home for the long haul? If so, you’ll want to know the most up to date accessibility features designed to make your life easier. Our panel of experts and education partners will share gadgets, tools, and strategies for helping you live safely and comfortably.
Seminars are scheduled from 10 a.m. to 11:30 a.m. Seating is limited, and pre-registration is required at 405.563.7501 or:
https://seniorlivingtruthseries.com/.
A complete list of monthly topics is located at:
https://seniorlivingtruthseries.com/.
Senior Living Truth Series provides candid conversations concerning today’s senior living issues and options with panelists who specialize in the topic areas. SLTS provides education and resources designed to help people live empowered lives and make informed decisions. Its motto is “Educate. Equip. Empower.”

Are you 60 years of age or better? The Ms. Senior America Pageant is the world’s first and foremost pageant to give honor to the women who have reached the “age of elegance” and Ms. Oklahoma Senior America is now seeking contestants to appear Saturday, April 15, 2023, at the Mustang Performing Arts Center, 200 W. Juniper, Mustang, OK 73064, at 1:00 p.m.
The contestant must be able to display a hobby or talent within 2 minutes and 45 seconds, model a long evening gown, give her philosophy of life within 35 seconds, and sit for a 5 minute interview. An information session about the Ms. Oklahoma Senior America Pageant will be held at the Album Quail Springs, 14201 N. Kentucky Ave., Oklahoma City, OK 73134, on Wednesday, February 1, 2023, from 1-3 p.m.
The winner will be sponsored by the Ms. Senior Oklahoma Foundation to compete in the National Ms. Senior America Pageant in Atlantic City, New Jersey, in October 2023. Her airfare, room and registration fee will be paid by the Foundation. Applications can be filled out on the Ms. Oklahoma Senior America Pageant Facebook page. For more information, contact Carol Kallenberger, Administrator, at msoksramerica@gmail.com.

Annie Laurie (Ivey) Whited

Annie Laurie (Ivey) Whited of Noble was manager of the gift & book shop at the OU Continuing Ed Center before retiring in 1984. She attended Crosspointe Church in Norman and was a member of the Army Officers’ Wives Club. Annie’s words of wisdom: “Love the Lord, exercise, eat well and love others!”

Anna Lee Kurtz

Anna Lee Kurtz of Oklahoma City is now a centenarian. She attended and volunteered at Catholic churches wherever she lived, volunteered with Meals on Wheels and the Homeless Shelter. Anna says “Stay active, be positive and always be willing to help others!”

LaVerne Cox Tucker

LaVerne Cox Tucker of Sweetwater actively engages in her hobbies of reading, quilting & crocheting. She resides in the house built at the turn of the century that she moved into as a new bride & is involved with the decisions of the farming & ranching with her son & grandson. The Tucker Home Place was declared an Oklahoma Centennial Farm in 2022. Four generations of Tuckers have farmed the 160 acres. LaVerne’s life advice: “Be honest and be true!”