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/.

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/.

Bella Rose is a 5-year-old therapy pet for INTEGRIS Health Southwest Medical Center and Terry Wulff is her handler. Bella has a very unique skill. She is trained to tuck her tail between her legs while visiting patients in the hospital to keep her wagging tail from hitting medical cords.
INTEGRIS Health has a total of 34 therapy animals walking the halls of our hospitals statewide. They are an integral part of our team, lifting spirits and providing comfort wherever they go.
For more information about volunteer opportunities at INTEGRIS Health visit: https://integrisok.com/volunteer

If your organization is having an upcoming event, let us know. Email the information to news@okveterannews.com

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.

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/.

By Nick Thomas

Before “Grease,” the hit 1978 movie, there was “Grease” the musical theater production first performed in Chicago in 1971 before moving to Broadway a year later for over 3,000 performances.
Adrienne Barbeau, who played Rizzo during the first five months of the show’s run, helped commemorate the 50th anniversary of the production as a co-editor of the 2022 book: “Grease, Tell Me More, Tell Me More – Stories from the Broadway Phenomenon That Started It All.” It features personal anecdotes from the Broadway cast and crew.
“It stemmed from a Zoom meeting that the original cast had when the pandemic first shut everything down,” recalled Barbeau from her home in Los Angeles. “The stories everybody told were just so delightful and touching and funny and most of them all new to me because I left the show early on.” (STORY CONTINUES BELOW)

Barbeau and two others involved in the production began assembling the stories.
“We sent out a questionnaire to over 100 actors, musicians, and crew members who had been involved in the show asking them to write down their stories of working on the production,” said Barbeau. “We put it all together in a terrific tribute to the show.”
Despite her strong connection to “Grease” which opened on Valentine’s Day, 1972, to this day Barbeau still has not watched the popular 1978 movie version which has many differences, including some of the music, from the original play.
“I happened to hear one of the songs from the movie a long time back, which was one of my songs,” she recalled. “It was lovely what they had done with it, but it just was not what we had done. So, I decided never to watch the film so I could keep the memory of our show and not cloud it with another version.”
Though her career began in musical theater, Barbeau left “Grease” to co-star in the TV comedy “Maude” throughout the 70s. But in the early 80s, the actress starred in several horror/sci-fi films (“Swamp Thing,” “The Fog,” “Escape from New York,” “Creepshow”) forever cementing her movie status as a horror sex symbol (see www.abarbeau.com).
“I started out in musical theater and comedy, and the transition to more dramatic roles was never by design,” Barbeau explained. “It’s just that somebody offered me something I wanted to do or needed to do to pay bills. I ended up playing strong women who were not victims and they were often interesting and challenging roles.”
“People always say, oh you were a sex symbol,” she adds. “But I like to remind them my first love scene in film was with a swamp monster!”

Nick Thomas teaches at Auburn University at Montgomery, in Alabama, and has written features, columns, and interviews for numerous magazines and newspapers. See https://www.getnickt.org/.

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.