Viking Magazine - January 2020 - 11

Sons of Norway, 1455 West Lake Street, Minneapolis, MN, offers fi nancial 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.
4
Drink responsibly. It's hard to pinpoint the ideal level of
alcohol consumption since everyone's defi nition of " responsible
drinking " will vary, but according to the U.S. Department of
Health and Human Services, " moderate drinking " is up to
one drink per day for women, and up to two drinks per day
for men. Knowing your limit can decrease your risk for health
problems like heart and liver disease, high blood pressure and
alcoholism, and can also prevent dangerous behavior-which
brings up the next resolution.
5
Maintain safe driving habits. Motor vehicle reports
might be reviewed during the underwriting process for life
insurance, and everything from speeding tickets and accidents
to arrests made for driving under the infl uence could impact
your premium.
6
Make an appointment with your doctor.
" Monitor your health by visiting a medical professional for a
routine physical exam, lab studies and other preventive tests,
such as mammograms and colonoscopies, " Gill says. Your age
and health status will determine how often you need to visit
your M.D., but Mount Sinai Medical Center recommends that
people under 30 see their doctor for a checkup every two to
three years, and everyone else go for an appointment annually
or more frequently depending on their health concerns.
7
Reduce stress. The pressures we feel from both our
professional and personal lives can have a negative impact on
our overall health, causing headaches, chest pain, fatigue and
sleep problems, to name a few side effects. Take steps to reduce
stress by practicing meditation or yoga, spending time with
loved ones and getting enough sleep. Consider talking to a
mental health professional if you think stress is taking a toll on
your physical or emotional well-being.
8
Plan for the future. You're never too young to think
about planning for the future-especially when it comes to
life insurance, which typically comes with better premiums
and coverage the younger and healthier you are. " Get life
insurance in place at a time when, for most individuals, your
health is probably in the best spot that it's going to be for
your lifetime, " Gill says. " Many people elect to purchase life
insurance early to get the lower premium rates [that come with
term life insurance], and then convert it to a permanent plan of
protection to meet their needs later on. "
Life Insurance 101
Life insurance: A contract
between an individual and
an insurance company,
which, in exchange for
a premium, will provide
a sum of money to a
benefi ciary after the
policyholder's death.
Premium: The monthly
payment you make to the
insurance company for
your life insurance policy.
Term insurance: Life
insurance that guarantees
payment of a death
benefi t during a specifi ed
period of time, such as 10,
20 or 30 years.
Permanent insurance:
Life insurance that does
not expire and typically
allows the policyholder to
accumulate tax-deferred
cash value.
For a complimentary consultation with
your Sons of Norway Financial Benefi ts
Counselor, visit sonsofnorway.com.
sonsofnorway.com VIKING JANUARY 2020 11

http://www.sonsofnorway.com http://www.sonsofnorway.com

Viking Magazine - January 2020

Table of Contents for the Digital Edition of Viking Magazine - January 2020