Viking Magazine - November 2014 - 12

Finance
United States were
covered by some
type of life
insurance in
2013.
Buying Sons of Norway
Life Insurance
Tips for choosing an agent and determining the type of
insurance you need.
B
uying life insurance for the first time can be somewhat daunting.
There are different kinds of policies, riders, time periods and premiums
to consider. Many people approach it with a little bit of trepidation
if they don't know exactly how much or what type they need. Before
a family makes the investment in life insurance, experts suggest finding an
agent they trust, considering what purpose the policy will serve and then
weighing the options based on your budget and goals.
12 VIKING NOVEMBER 2014 sonsofnorway.com
FINDING AN AGENT
Ideally, purchasing insurance should be
part of crafting an overall financial plan
for a family, says Henrik Margard, Sons
of Norway Financial Benefits Counselor
(FBC). " Anyone can quote insurance, "
says Margard. " A good agent will sit
down and spend time with a family to
find out what their needs are. "
Margard says every lodge has an FBC
assigned to it. The first step is assessing
the financial goals. " We do a financial
review to find out what the needs are,
rather than just quoting a life insurance
policy, " Margard says.
" We take a health check on the
financial aspect of
the family. " Look
for somebody
who is more
process62%
of
people in the
oriented than
productoriented.
Margard
notes
that it's
important for you to
interview the FBC as well. " It's really a
two-way interview to make sure there is
a good fit both ways. " This is hopefully
a long-term relationship, so you want
to make sure it's somebody who will be
there for you if there is a need.
CONSIDERING TYPES
OF INSURANCE
As you consider insurance, an agent
will explain there are two basic types
of insurance: term and permanent.
Which one you choose depends on your
circumstance and the purpose of life
insurance to your family.

http://www.sonsofnorway.com

Viking Magazine - November 2014

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

Contents
Viking Magazine - November 2014 - Cover1
Viking Magazine - November 2014 - Cover2
Viking Magazine - November 2014 - Contents
Viking Magazine - November 2014 - 4
Viking Magazine - November 2014 - 5
Viking Magazine - November 2014 - 6
Viking Magazine - November 2014 - 7
Viking Magazine - November 2014 - 8
Viking Magazine - November 2014 - 9
Viking Magazine - November 2014 - 10
Viking Magazine - November 2014 - 11
Viking Magazine - November 2014 - 12
Viking Magazine - November 2014 - 13
Viking Magazine - November 2014 - 14
Viking Magazine - November 2014 - 15
Viking Magazine - November 2014 - 16
Viking Magazine - November 2014 - 17
Viking Magazine - November 2014 - 18
Viking Magazine - November 2014 - 19
Viking Magazine - November 2014 - 20
Viking Magazine - November 2014 - 21
Viking Magazine - November 2014 - 22
Viking Magazine - November 2014 - 23
Viking Magazine - November 2014 - 24
Viking Magazine - November 2014 - 25
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Viking Magazine - November 2014 - 29
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Viking Magazine - November 2014 - Cover3
Viking Magazine - November 2014 - Cover4
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