2The Daily Tar HeelThursday, April 26, 1990
11
Business and advertising: Kevin Schwartz, director; Bob Bates, advertising director; Leslie Humphrey,
classified ad manager.
Business staff: Allison Ashworth, manager; Dana Cooper and Kimberly Moretz, receptionists; Monica Paris,
news clerk; lam Richards, typist.
Classified advertising: Kirsten Burkart, assistant manager; Angela Spivey, assistant.
DiSDlav advertising Lavonne Leinster. advertising manager; Lora Gay. Ginger Wagoner, Robin Penley,
Carole Hedgepeth,Larry Mann, Carrie Grady, Tracy King, Tina Parish, Sherrie Davis and Kim Solomon, account
representatives; Kim Blass. creative director; , Ingnd Jones, Mimi Holman and btacy l urkei , sales assistants.
Advertising production: Bill Leslie, manager Anita Bentley and Greg Miller, assistant managers; inaa
Campbell, Erika Campbell, Stephanie Locklear and Lorrie Pate, assistants; Rich Ellis, technician.
Assistant editors: Diana Florence, arts coordinator, Karen Dennis, layout, Craig Allen, city;! om Parks, design
coordinator; Buckberry, Lisa Lindsay and Cameron Young, news;Johanna Henderson, ombudsmanThomas
Healy and Lisa Reichle. Omnibus; Joseph Muhl, photography; Mark Anderson and Scott Gold, sports; Glenn
O'Neal, state and national; Stephanie Johnston and Myron B. Pitts, university.
Editorial writers: Lynette Blair, Kimberly Edens and Tim Little.
University: Marcie Bailey. Debbie Baker, Victor Blue, Robert Brown, Elizabeth Byrd, Jennifer Dunlap. Teresa
M. Jefferson, Stacey Kaplan. Susie Katz, Sarah Kirkman, Dionne Loy, Kenny Monteith, Shannon O'Grady,
Jennifer Pilla. Stephen Poole, Lee Weeks, Carrie Wells and Akinwole N'Gai Wright.
City: Karen Dennis, Jennifer Dickens, Kris Donahue, Wagner Dotto, Jennifer hoster, bamantna Gowen, vonaa
Hampton, Jada K. Harris, Johanna Henderson, Kim Jaski, Julie Malveaux, Elizabeth Murray, Mary Perivolaris,
Erik Rogers, Christine Thomas, Susan Ward and Jessica Yates.
State and National: Jennifer tsiackweii, wenay uounas, uavm ttcnison, Kevin breene, MarK bnnin. Yancey
Hall. Andre Hauser, Eric Lusk. Kimberly Maxwell, Jannette Pippin, Amy Rowland, Kyle York Spencer, Grant
Thompson and Sandy Wall.
Arts: Kitt Bockley, John Freeman, Mondy Lamb, Philip Mcadoo, Greg Miller, Brian bpringer, Jeff I russell, Lisa
Weckerle. Beverley White and Jessica Yates.
Features: Sara Austin, Noah Bartolucci, Christy conroy. Kimberly Gee. Amanda Graves, Carol Haziewood,
Vlcki Hyman, Mara Lee. Christina Nifong. Bonnie O'Neil, Leigh Pressley, Heather Smith, Stephanie Spiegal, Beth
Tatum, Marc Walton, Bevin Weeks, Laura Williams and Dawn Wilson.
Sports: Kenny Abner, Neil Amato, Jason Bates, John Bland, A. J. Brown, Robert Brown, Laurie Dhue, Dave
Glenn. Warren Hynes. Doug Hoogervorst, David Kupstas, Bethany Litton, Bobby McCroskey, Brock Page, Eric
Wagnon and Steve Waiston.
Ptiotoaraphy: Jodi Anderson, Milton Artis, Schuyler Brown.Todd Diggs, P.J. Disclafani, Steven Exum
Jennifer Griffin, Carey Johnson, Stacey Kaplan, Caroline Kincaid, Kathy Michel, Chad Pike, Catherine Pinckert
and Ami Vitale.
Layout Christy Conroy, Rachel Ferencik, Celeste Neal, David Reinf urt, Jeff Workman and Doug Zemel.
Copy Editors: Bob Boyette, Julia Coon, Lorrin Freeman, Melissa Grant, Angela Hill, Mitchell Kokai, Jennifer
Kurfees, Robin Lentz, Amy McCarter, Emily Nicholl, Natalie Poole, George Quintero, Kristin Scheve, Bobby
Seedlock, Sara Sparks, Angela Spivey, Chnssy Stidham, Clare Weickert and Bruce Wood.
Cartoonists: George Brooks, Alex De Grand, David Estoye, Jeff Maxim and Mike Sutton.
Editorial Production: Stacy Wynn, manager, Brandon Poe, assistant.
Distribution: RDS Carriers.
Printing: The Village Companies.
Ombudsman: James Benton. Phone: 962-0245; Office hours: Mon., Wed.-Fri: 1-3p.m; Sun., Tue.:4-6p.m.
The Daily Tar Heel is published by the DTH Publishing Corp., a non-profit North Carolina corporation,
Monday-Friday, according to the university calendar.
Callers with questions about billing or display advertising should dial 962-1 1 63 between 8:30 a.m. and 5 p.m.
Classified ads can be reached at 962-0252. Editorial questions should be directed to 962-02450246.
Office: Suite 104 Carolina Union
U.S. Mall address
P.O. Box 3257, Chapel Hill, NC 27515-3257
Campus mail address
CBI 5210 Box 49, Carolina Union
Efl HBEPT
P-H
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Graduates corfr oitit lack off litis
By WENDY BOUNDS
Staff Writer
Seniors who have not considered
buying health or life insurance may
find themselves unprotected when they
are automatically released from family
policies upon graduation.
Children are usually covered under
their family's life and health insurance
plans until they reach age 18 and are
still covered until age 23 if they remain
in school, said Debby Stroman, district
agent for The Prudential Insurance
Company of America.
"Contact your parents and find out
the status of your health insurance,"
Stroman said. "Most Americans are
poor on their insurance knowledge."
Graduates not continuing their edu
cation, or ones who are not immedi
ately going to work for a company
offering insurance, should check into
buying life and health insurance, espe
cially if they have some debt or poor
health condition, said Tom Fisher, agent
for John Hancock Life Insurance.
"One significant hospital stay can
wipe you out," Stroman said. "Students
think somewhere, somehow, they have
insurance.
The UNC Alumni Association of
fers $5,000 worth of free life insurance
as a gift to all graduating seniors, Doug
Dibbert, executive director of the asso-
ciation said. All students must do is
certify that they want it and answer
several questions, he said.
The policy extends for nine months
at which point the students may drop
the policy or begin to pay what is a
competitive monthly price, Dibbert
said. Roughly 40 percent of the gradu
ates accept the plan, he said.
The association also offers health
care plans that can last from 90 days to
nine months, Dibbert said. These plans
also offer competitive prices and are
known as bridge policies, bridging the
gap between when students fall under
their parents' plan or file for one of
their own.
A standard major medical plan will
cost an average of $50 per month for
males and $90 per month for females at
The Prudential, Stroman said. The rea
son females must pay higher fees is
because they tend to have more health
problems during their child-bearing
years, she said.
"Don't go to some rinky-dink insur
ance company," Stroman said. "Go to a
brand-name company."
The cost of health insurance per
month for a 23-year-old male non
smoker is $46.30 at Nationwide Insur-
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ance, said Phil Crisp, agent for Nation
wide. The cost for a same-status female
is $73.51 with an extra $62 added on
per month if she is pregnant and a 5
percent increase included for either sex
that smokes, he said.
Students cannot buy back into their
parents plans after graduation, Crisp
said. "They are no longer considered to
be a child with child rates."
The younger you are, the lower the
relative costs will be for life insurance,
Fisher said. The female rate is lower for
life insurance because females tend to
live longer, he said.
A $100,000 plan will cost graduates
between $150 and $200 per year at
John Hancock, Fisher said.
A $10,000 policy at The Prudential
will run about $ 15 a month for students
just out of school, Stroman said.
"The chief benefit of signing on a
policy when you are young is that the
premium is so low," said Ed Bristol,
special assistant to the insurance com
missioner. Companies like Prudential offer what
is called an Abbreviated Payment Plan
or Vanishing Premiums on their life
insurance policies, Stroman said. Un
der these plans, life insurance policies
can be paid off within eight to njria
years, she said.
Buying insurance at an early age s r
good investment decision, Stromaji
said. "All money-making within Jlis
plan is tax -deferred."
Insurance investors can decide how
they want the insurance company to
invest their money, Stroman said. Pru
dential offers both aggressive and con
servative stock accounts, allowing,'
investors to choose how much risk they,,
want to take with their funds. ,-, .
Students can invest in insurance and
later pull their money out and use it to,
buy a car or whatever else for which,
they might need funds, Stroman said.' ,
Some companies like IBM will cover
children who are financially dependent :
on their parents until they are 23 re' :
gardless of whether or not they are in
school, said Marcia Harris, director of
Career Planning and Placement at UNCi '
Whether or not students should
immediately sign up for their own poli
cies depends on their own lifestylejsv
Bristol said. ,:.,!,,
"It is up to the individual and their,
assessment of their own health and
risks," he said.
T $ jll " w!
The DTH Campus Calendar is a daily listing of University-related activities spon!
sored by academic departments, student services and student organizations officially .
recognized by the Division of Student Affairs. To appear in Campus Calendar,'
announcements must be submitted on the Campus Calendar form by NOON one
business day before the announcement is to run. Saturday and Sunday events are
printed in Friday's calendar and must be submitted on the Wednesday before the
announcement is to run. Forms and a drop box are located outside the DTH office, 104.
Union. Items of Interest lists ongoing events from the same campus organizations and
follows the same deadline schedule as Campus Calendar. Please use the same form. ,
THURSDAY
5 p.m.: The Association of International Stu
dents will meet in 208 and 209 Union for an evening
of fun, games and refreshments.
6 p.m.: Brothers discussion group for and about
black male students will hold its final meeting of the
semester in Ehringhaus dorm's first-floor lounge.
Tonight's topic will focus on learning and test-taking
strategies for academic success during final exams.
11 p.m.: WXYC'sInside Track will feature "Eye,"
the latest release from Robyn Hitchcock.
FRIDAY
2 p.m.: The Dept. of Radio, Television and
Motion Pictures present "How to Make it as a
Television or Film Screenwriter," a tribute to Bill
Hardy, in 1A Swain Hall. Public invited. Questions
are welcome.
SATURDAY
4 p.m.: The Carolina Men's Lacrosse Club will
play the University of Georgia on Navy Field. Be
there!
ITEMS OF INTEREST
The International Center announces that appli
cations for campus friends orientation counselors for !
foreign students and scholars are available at the
International Center in the Union (962-5661). If you ',
can be available from August 22 to August 25 to meet,
greet and help newly arrived international UNCstu;
dents, contact us. .
University Career Planning and Placement
Services announces an excellent, paid ($8 per hdur)
summer internship opportunity in Public Affairs
Corporate Communications available at Research
Triangle Park company. See ELP Internship Direc
tory, Vol. 3 (JoumVPub. section) in 21 1 Hanes Hall
for information and details.
Seniors and graduate students still seeking jobs
may call UCPPS's Job Hot Line (962-CPPS on a.
touch-tone phone) to hear up-to-date job listings if
registered with UCPPS. Students may also complete,
a "connection" data sheet available in 21 1 Hanes to
enter a nationwide database of job applicants.
UCPPS reminds all seniors and graduate students
who have accepted jobs or have definite plans !to
attend graduate or professional school to complete a
"Follow-Up Survey" in 21 1 Hanes Hall.
The Industrial Relations Association is holding'
a reception for all I.R. graduates following com-,
mencement exercises on May 13 in 205 Union. . .
JM-M
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