Viking Magazine - June 2016 - 10
Finance
Get the Coverage You Need
Choosing the best type of insurance policy is a decision that should be based
on your unique financial goals. Whether you need an affordable short-term
policy or a plan to protect you for your entire life, both term and permanent
life insurance are customizable options.
MAXIMUM COVERAGE, MINIMUM COST
Ideal for anyone needing insurance for a specific period of time, a term policy is
designed to provide the maximum amount of coverage for minimum cost. The
amount purchased depends on the family's income,
debts and long-term needs.
Term insurance is great for young couples
who need to provide financial protection
in an economical way, parents who
want to provide a safety net for
their children in the event of a
premature death, and business
owners who need to protect
their partners from a financial
loss in case one of them dies.
For the young family just
starting out, term insurance
" Think of the difference in
term and permanent insurance
as renting versus owning a
home. Right after high school,
you don't usually buy a house.
You start by renting. Term
functions in the same regard. "
-Tom Kunkel, FBC
is appealing because it is affordable.
" Simply put, you get a lot of life
insurance for a little premium, " says Len
Carlson, Director of Agencies for Sons of
Norway. It is a product that many people
want to have in place from the time their
children are born until they are grown.
As a family's financial situation
improves, the policyholder may consider
converting the term policy to a
permanent one, such as whole life or
universal life. This option is offered
at specific ages and allows the owner
to get coverage for life without
having to go through a qualifying
medical exam.
The need for life insurance does
not end after kids graduate from high
school or college, notes Tom Kunkel,
a Sons of Norway Financial Benefits
Counselor. " Most young families need
ILLUSTRATION BY FANATIC STUDIO
Viking Magazine - June 2016
Table of Contents for the Digital Edition of Viking Magazine - June 2016
Contents
Viking Magazine - June 2016 - Cover1
Viking Magazine - June 2016 - Cover2
Viking Magazine - June 2016 - Contents
Viking Magazine - June 2016 - 4
Viking Magazine - June 2016 - 5
Viking Magazine - June 2016 - 6
Viking Magazine - June 2016 - 7
Viking Magazine - June 2016 - 8
Viking Magazine - June 2016 - 9
Viking Magazine - June 2016 - 10
Viking Magazine - June 2016 - 11
Viking Magazine - June 2016 - 12
Viking Magazine - June 2016 - 13
Viking Magazine - June 2016 - 14
Viking Magazine - June 2016 - 15
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Viking Magazine - June 2016 - 17
Viking Magazine - June 2016 - 18
Viking Magazine - June 2016 - 19
Viking Magazine - June 2016 - 20
Viking Magazine - June 2016 - 21
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Viking Magazine - June 2016 - 25
Viking Magazine - June 2016 - 26
Viking Magazine - June 2016 - 27
Viking Magazine - June 2016 - 28
Viking Magazine - June 2016 - 29
Viking Magazine - June 2016 - 30
Viking Magazine - June 2016 - 31
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Viking Magazine - June 2016 - 46
Viking Magazine - June 2016 - Cover3
Viking Magazine - June 2016 - Cover4
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