Viking Magazine - August 2018 - 11
Did You
Know?
income, " says Carlson. And if you
own permanent insurance such as
Whole Life, you'll be assured that
upon death, proceeds from the Whole
Life will be there, as compared to
term insurance which runs out after a
period of time.
Chronic Illness Rider
Rising life expectancy and health
care costs mean that people are living
longer and are more likely to need
long-term care. A chronic illness rider
on a life insurance policy can provide
up to $6,000 a month for caregiving
expenses in-home or in a facility.
" It's a must-have product so you
don't have to be stressed about
unexpected long-term care expenses, "
says Carlson. One of the biggest
objections of long-term care insurance
is that the policyholder may never use
it, but if it's attached to a life policy
it can serve a dual purpose. " If
you never need it, the money
still goes to your family
with the death benefit, "
says Krause. Last
March, Sons of Norway
launched another
helpful product. This
rider can be included in
the Whole Life, Single Premium Whole
Life, Simplified Issue Single Premium
Whole Life and Universal Life policies.
Guaranteed Issue Whole
Life Policy
It's not easy to discuss end of life
issues, but it's important to plan for
them. The Guaranteed Issue Whole
Life (GIWL) product is a convenient
way to cover end of life expenses.
" It can give you peace of mind, so
your family doesn't have to worry
about finding funds to pay funeral
costs, " says Carlson.
A GIWL policy is convenient and
low-cost. It's available to members
up to age 85 and can be purchased
without answering any medical
questions. The policy benefit pays
from $5,000 to $25,000 tax-free
to help pay for final expenses or
other debt.
For a complimentary
consultation with your
Sons of Norway Financial
Benefits Counselor, visit
sonsofnorway.com.
While life transitions are
inevitable, they can
be easier to handle
with smart financial
planning. " Having
final expenses covered
is one less thing for
the family to worry
about, " says Krause.
Sons of Norway, 1455 West Lake Street, Minneapolis, MN, offers financial products, but not all products are
available in all states. Products issued by Sons of Norway are available to applicants who meet membership,
insurability and residency requirements.
sonsofnorway.com VIKING AUGUST 2018 11
Crunch the
Numbers
How much life
insurance do you
need? The Life
Happens website
offers calculators
to help you decide.
lifehappens.org
Seven in 10 people
turning age 65 can
expect to use some
form of long-term
care during their
lives, according to the
Administration
on Aging.
http://www.sonsofnorway.com
http://www.lifehappens.org
http://www.sonsofnorway.com
Viking Magazine - August 2018
Table of Contents for the Digital Edition of Viking Magazine - August 2018
Contents
Viking Magazine - August 2018 - Cover1
Viking Magazine - August 2018 - Cover2
Viking Magazine - August 2018 - Contents
Viking Magazine - August 2018 - 4
Viking Magazine - August 2018 - 5
Viking Magazine - August 2018 - 6
Viking Magazine - August 2018 - 7
Viking Magazine - August 2018 - 8
Viking Magazine - August 2018 - 9
Viking Magazine - August 2018 - 10
Viking Magazine - August 2018 - 11
Viking Magazine - August 2018 - 12
Viking Magazine - August 2018 - 13
Viking Magazine - August 2018 - 14
Viking Magazine - August 2018 - 15
Viking Magazine - August 2018 - 16
Viking Magazine - August 2018 - 17
Viking Magazine - August 2018 - 18
Viking Magazine - August 2018 - 19
Viking Magazine - August 2018 - 20
Viking Magazine - August 2018 - 21
Viking Magazine - August 2018 - 22
Viking Magazine - August 2018 - 23
Viking Magazine - August 2018 - 24
Viking Magazine - August 2018 - 25
Viking Magazine - August 2018 - 26
Viking Magazine - August 2018 - 27
Viking Magazine - August 2018 - 28
Viking Magazine - August 2018 - 29
Viking Magazine - August 2018 - 30
Viking Magazine - August 2018 - 31
Viking Magazine - August 2018 - 32
Viking Magazine - August 2018 - 33
Viking Magazine - August 2018 - 34
Viking Magazine - August 2018 - 35
Viking Magazine - August 2018 - 36
Viking Magazine - August 2018 - 37
Viking Magazine - August 2018 - 38
Viking Magazine - August 2018 - 39
Viking Magazine - August 2018 - 40
Viking Magazine - August 2018 - 41
Viking Magazine - August 2018 - 42
Viking Magazine - August 2018 - 43
Viking Magazine - August 2018 - 44
Viking Magazine - August 2018 - 45
Viking Magazine - August 2018 - 46
Viking Magazine - August 2018 - Cover3
Viking Magazine - August 2018 - Cover4
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