Skip to Content

Insuring the Future of Kauai's San Marga Sanctuary

deva-rajan.jpgWhen Deva and Gayatri Rajan talk of "insuring the future of the San Marga Sanctuary" on Kauai, they are speaking literally.

Three years ago, the Rajans created the San Marga Sanctuary Development Fund. They make annual contributions to the fund, requesting that the Hindu Heritage Endowment use their contributions to fund a $750,000 last-to-die life insurance policy. The policy will provide cash to the fund at the death of the surviving spouse. "We know that the policy will pay off well after the construction of the Iraivan Temple," Deva says.

"Gayatri and I saw the building and maintenance of the Iraivan Temple as covered by the current drive," Deva added. "We were concerned about the future of the other property needs." The Kauai temple will be the centerpiece of a twenty-acre spiritual sanctuary and visitor center. The Rajans felt that while they were relatively young and insurable they could make sure that the pilgrimage facilities surrounding the temple were as well-cared-for as the temple itself. The Rajans, Hindu-Americans who were attracted to Gurudeva in the late 60s, felt it was easier to raise funds to build a temple than provide for the construction and long-term maintenance of its pillared festival hall, stone paths, ponds, the Ganesha bridge, botanical gardens and visitors' center. So, they decided to begin funding the harder part with an insurance policy.

Deva sold his California-based construction company five years ago. He worked for two years in the early 70s on Kauai heading a team of carpenters to transform the quaint Tropical Inn resort into a monastery for Gurudeva and his monks. "It was wonderful," he recalls. Living with the monks and enjoying the daily meditations and teachings brought him a depth of religious experience and theological reflection that he felt had been missing from his life. Gayatri, following a similar path, was a devotee of Gurudeva as well. The Rajans married in 1981 and now have two adult children.

RajanDeva, a master builder with forty years of experience, continues in retirement to assist temple construction by overseeing shipments of materials to Kauai while he and Gayatri maintain a daily practice of puja and meditation at their California home and Kauai cottage.

"I am grateful for the moral training my family gave me, but I missed the philosophical profundity of Eastern religion," he said. "Exploring the nature of God and finding the Divine within everything, these are the kind of subjects Hindus love to discuss. And so do I."

Gayatri, an artist and writer, is author and illustrator of a children's book called The Story of Santoshi Devi, which tells of a little girl's personal relationship with Lord Ganesha. She is currently working on a book on the nature of the inner, metaphysical worlds.

The Rajans share a vision of the completed Iraivan Temple as a jewel in a crown of a flowering tropical garden, including 350 varieties of Heliconia, a collection of rare palm trees, and other ornamental and medicinal plants from all over the world. They have made annual pilgrimage part of their life and see the Kauai temple and sanctuary as a world-class destination.

"A big part of what I'm able to practice in retirement is service to others," Deva shared. "I have the freedom to devote myself to the Iraivan Temple construction. It is very, very rewarding."

eBrochure Request Form

Please provide the following information to view the brochure.

First name is required
Last Name is required
Please include an '@' in the email address

Mahajana Fund

Manjung Hindu Sabha Orphanage Fund

Supports the orphanage at Sitiawan, Malaysia

Arizona Temple

The Manitha Neyam Trust Fund

Supports the Sivapoomi Elders Home, a home for the elderly in Kondavil, Sri Lanka

Malaysia Endowment

Malaysia Hindu Renaissance Fund

Intended to permanently help support and maintain various Hindu purposes in Malaysia


Kodiswara Satguru Malaysia Travel Fund

Provides for travel expenses to Malaysia for the Satguru of Kauai Aadheenam

Planned Giving Guidance

The Power of Bequests: Making a Difference with the Stroke of a Pen

Use Giving Assistant to save money and support Hindu Heritage Endowment

A charitable bequest is one or two sentences in your will or living trust that leave to Hindu Heritage Endowment a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

Bequest Language

"I give [percentage of my estate, stated sum of money, designated property or balance of estate] to the [insert name of fund] of Hindu Heritage Endowment, a charitable trust whose Federal Employer Identification Number is 99-0308924, located at 107 Kaholalele Road, Kapaa, Hawaii, 96746-9304, USA."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to HHE or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to HHE as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to HHE as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and HHE where you agree to make a gift to HHE and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

Personal Estate Planning Kit Request Form

Please provide the following information to view the materials for planning your estate.

First name is required
Last Name is required
Please include an '@' in the email address