Viking Magazine - November 2016 - 13
The policies build cash value so
owners can borrow against them if
small emergencies arise, adds Carlson.
" These policies cannot be cancelled.
With the premium
paid, once it is issued
and approved, it is
guaranteed, "
he says.
" Both my wife and I have
single-premium whole
life policies to cover final
" Most of us have
had some experience
with the loss of a
loved one. It's a very difficult time, "
says Sons of Norway Financial Benefits
Counselor Mike Johaneson. " Having
this insurance just makes it a little less
difficult for the family. "
With the single-premium policy,
the application is straightforward and
simple with no medical exam. It can be
-Mike Johaneson, FBC
an affordable purchase, with most of
Johaneson's clients opting for policies
with a face value of $10,000 or less.
Also, families have flexibility to use the
proceeds for expenses
beyond the funeral costs,
if money remains, adds
Johaneson.
expenses so my kids don't
have to worry. "
Carlson says when
working with clients
who have purchased a
policy for final expenses,
he has heard their adult children express
thanks for having handled this cost. " It
brings peace of mind and security. "
Sons of Norway offers life insurance and
annuity products in the United States only.
Not all products are available in all States.
Insurance Advice
« Both my wife and I have
single-premium whole life
policies to cover final expenses
so my kids don't have to worry.
It's a program that more and
more people are interested in as
the cost of funerals and related
expenses continues to rise.
« Many people have not saved
enough for a funeral. There are
prepaid programs with funeral
homes out there, but the Sons
of Norway single-premium
product is a better option
because it grows in value and
gives people more flexibility as
the money goes directly to the
beneficiary.
The Nordic
Protector
« Since insurance costs are
largely based on age and health
of the applicant, I encourage
young people to take a look
at life insurance. For instance,
a $10,000 single-premium
policy for someone 39 years
old will cost about $2,800. For
a 60-year-old, the premium will
be $2,350 for a $5,000 policy.
« We hate to think about it,
but we all die. This product is a
mechanism to help your family
deal with it.
Mike Johaneson, FBC
Castle Rock, Colo.
No medical
exam, only
simple Yes/No
questions
Issue ages
0 - 85
Available
coverage $5,000
to $50,000
Dividends can
increase the
death benefit
to help fight
inflation or they
may be taken
in cash
For a complimentary
consultation with your
Sons of Norway Financial
Benefits Counselor, visit
sonsofnorway.com.
sonsofnorway.com VIKING NOVEMBER 2016 13
http://www.sonsofnorway.com
http://www.sonsofnorway.com
Viking Magazine - November 2016
Table of Contents for the Digital Edition of Viking Magazine - November 2016
Contents
Viking Magazine - November 2016 - Cover1
Viking Magazine - November 2016 - Cover2
Viking Magazine - November 2016 - Contents
Viking Magazine - November 2016 - 4
Viking Magazine - November 2016 - 5
Viking Magazine - November 2016 - 6
Viking Magazine - November 2016 - 7
Viking Magazine - November 2016 - 8
Viking Magazine - November 2016 - 9
Viking Magazine - November 2016 - 10
Viking Magazine - November 2016 - 11
Viking Magazine - November 2016 - 12
Viking Magazine - November 2016 - 13
Viking Magazine - November 2016 - 14
Viking Magazine - November 2016 - 15
Viking Magazine - November 2016 - 16
Viking Magazine - November 2016 - 17
Viking Magazine - November 2016 - 18
Viking Magazine - November 2016 - 19
Viking Magazine - November 2016 - 20
Viking Magazine - November 2016 - 21
Viking Magazine - November 2016 - 22
Viking Magazine - November 2016 - 23
Viking Magazine - November 2016 - 24
Viking Magazine - November 2016 - 25
Viking Magazine - November 2016 - 26
Viking Magazine - November 2016 - 27
Viking Magazine - November 2016 - 28
Viking Magazine - November 2016 - 29
Viking Magazine - November 2016 - 30
Viking Magazine - November 2016 - 31
Viking Magazine - November 2016 - 32
Viking Magazine - November 2016 - 33
Viking Magazine - November 2016 - 34
Viking Magazine - November 2016 - 35
Viking Magazine - November 2016 - 36
Viking Magazine - November 2016 - 37
Viking Magazine - November 2016 - 38
Viking Magazine - November 2016 - 39
Viking Magazine - November 2016 - 40
Viking Magazine - November 2016 - 41
Viking Magazine - November 2016 - 42
Viking Magazine - November 2016 - 43
Viking Magazine - November 2016 - 44
Viking Magazine - November 2016 - 45
Viking Magazine - November 2016 - 46
Viking Magazine - November 2016 - Cover3
Viking Magazine - November 2016 - Cover4
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