Viking Magazine - September 2014 - 11

LIFE
Calculating Coverage
Check out the Life Happens website for a
calculator to help you project how much life
insurance coverage you need. The tool has you
consider costs of fi nal expenses: uncovered
medical bills, funeral and estate-settling
costs, outstanding debts, mortgage balance
and college costs. It also helps you estimate
future income needed to keep your household
running. lifehappens.org/insurance-overview/
life-insurance/calculate-your-needs/
33%
Tools of
the Trade
3 in 10
people wished their
spouse or partner had
more life insurance.
What type of insurance
is right for you?
of Americans say they
don't have enough life
insurance, including
one-fourth who already
own a policy.
INSURANCE
TIPS
Deciding on a Policy
For those struggling with the choice
of term or permanent insurance, this
interactive product selector can help
you fi nd the policy that is right for your
family. While this tool is no substitute for
an in-person consultation with a Sons
of Norway Financial Benefi ts Counselor,
it can be a good starting point for the
decision-making process.
lifehappens.org/product-selector
« Some people might hear on
the news or a talk show that
they only need term insurance
for a period of time and then
they don't need any coverage.
However, everyone's situation
is unique when it comes to
needing life insurance.
« A single person in his 20s
might not think about getting
life insurance, but if he has
student debt and something
happens, his folks will be
burdened with the debt. Or
next year he might come
down with a medical condition
and can't get coverage in
the future. By getting a term
policy, he can protect his future
insurability and convert later to
a permanent policy.
« If someone has a policy on a
child, the death benefi t can be
used to cover burial expenses
and costs associated with the
parent taking time off of work or
bills from grief counseling if an
unforeseen loss occurs.
« Even retirees still have
insurance needs. Someone with
a defi ned pension plan might
consider buying life insurance to
have coverage to protect their
spouse. Or, it can be a way to
pass on an inheritance to your
children or grandchildren.
-Scott Schiermeister, FBC,
Spokane, Wash.
For a complimentary consultation
with your Sons of Norway Financial
Benefi ts Counselor, visit
sonsofnorway.com.

http://www.lifehappens.org/insurance-overview/ http://www.lifehappens.org/product-selector http://www.sonsofnorway.com

Viking Magazine - September 2014

Table of Contents for the Digital Edition of Viking Magazine - September 2014

Contents
Viking Magazine - September 2014 - Cover1
Viking Magazine - September 2014 - Cover2
Viking Magazine - September 2014 - Contents
Viking Magazine - September 2014 - 4
Viking Magazine - September 2014 - 5
Viking Magazine - September 2014 - 6
Viking Magazine - September 2014 - 7
Viking Magazine - September 2014 - 8
Viking Magazine - September 2014 - 9
Viking Magazine - September 2014 - 10
Viking Magazine - September 2014 - 11
Viking Magazine - September 2014 - 12
Viking Magazine - September 2014 - 13
Viking Magazine - September 2014 - 14
Viking Magazine - September 2014 - 15
Viking Magazine - September 2014 - 16
Viking Magazine - September 2014 - 17
Viking Magazine - September 2014 - 18
Viking Magazine - September 2014 - 19
Viking Magazine - September 2014 - 20
Viking Magazine - September 2014 - 21
Viking Magazine - September 2014 - 22
Viking Magazine - September 2014 - 23
Viking Magazine - September 2014 - 24
Viking Magazine - September 2014 - 25
Viking Magazine - September 2014 - 26
Viking Magazine - September 2014 - 27
Viking Magazine - September 2014 - 28
Viking Magazine - September 2014 - 29
Viking Magazine - September 2014 - 30
Viking Magazine - September 2014 - 31
Viking Magazine - September 2014 - 32
Viking Magazine - September 2014 - 33
Viking Magazine - September 2014 - 34
Viking Magazine - September 2014 - 35
Viking Magazine - September 2014 - 36
Viking Magazine - September 2014 - 37
Viking Magazine - September 2014 - 38
Viking Magazine - September 2014 - Cover3
Viking Magazine - September 2014 - Cover4
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