Sons of Norway Life Insurance Review [2025]

There are many life insurance companies out there, some more famous than others. Oftentimes, a life insurance company will have its own specialization in different types of coverage.

Sons of Norway is one such company that offers great insurance plans for people who can’t find a policy anywhere else due to having a pre-existing condition.

With a long list of life insurance options, Sons of Norway has something for everyone, including term and permanent life. Like with all types of insurance, you should still shop around for the best rates possible.

If you want to see what Sons of Norway can do for you, you should compare its insurance policies with other companies. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Sons of Norway Life Insurance Products

Sons of Norway offers a variety of life insurance products. This includes term, whole, and universal life policies. You can also purchase simplified term, children’s, and single-premium plans.

Sons of Norway sells additional products in the form of Medicare supplemental coverage (Medicare Advantage), long-term care plans, and annuities.

The thing that makes Sons of Norway unique is its dedication to Norwegian culture. It provides its members access to programs and events that celebrate Norwegian culture.

Guaranteed Issue Whole Life

Guaranteed issue whole life usually offers less coverage than standard life insurance policies, but it’s an excellent option for people that can’t get life insurance any other way. Unlike standard life insurance, guaranteed issue life insurance doesn’t ask questions about your health.

You can buy guaranteed issue whole life insurance from Sons of Norway if you’re between the ages of 50 and 80. You can purchase Sons of Norway coverage in amounts starting at $5,000 up to $25,000.

Sons of Norway guaranteed issue whole life has a graded death benefit for two years. This means that you’ll get a return on your premium with 4.5% interest during the first two years of your policy.

An added benefit of this policy is that if you die due to an accident, your beneficiary will receive the full payment for the policy. After the first two years have passed, your beneficiary will receive the total payout no matter how you die.

Whole Life 121

Sons of Norway offers a fantastic whole life insurance policy. Its Whole Life 121 plan comes with several benefits:

• Fixed premiums
• Accruing cash value
• Coverage guaranteed for life

You can use the accruing cash value for things like loans. You can even withdraw it when you need emergency funds.

With the Whole Life 121 plan, you can choose between participating and non-participating insurance. Participating policies are eligible for non-guaranteed dividend payments. These can be taken as cash or reinvested into your policy for further growth.

You can buy add-ons for your Whole Life 121, including accidental death, children’s term, and disability (which waives premiums if you become disabled). One last benefit is that you can buy additional coverage at different ages without more underwriting.

Nordic Term Life

If you’re looking for basic life insurance, Sons of Norway offers term life in increments of 10, 15, 20, and 30 years. You can renew your policy until 95 years old. If you continue your policy, your rates will go up.

You can also covert your Nordic Term policy into a permanent one if you decide you’re done with term. You have this option until you reach 70, at which point you’ll need further underwriting.

If you convert your policy within the first five years, you can receive a credit towards your permanent policy.

As a final benefit, you can purchase a disability add-on, which will dissolve your monthly bill if you become disabled before the age of 65.

Single Premium Whole Life

Single Premium Whole Life is similar to the Whole Life 121 plan, but you pay one lump sum for your insurance when the plan goes into effect with Single Premium.

Nordic Protector is a similar plan. The main difference is that this is a simplified-issue plan, meaning you don’t have to go through a medical exam. Coverage options are lower, but it’s a great option for people who can’t get standard insurance.

Nordic Elite Universal Life Insurance

With Nordic Elite universal life insurance, you can get a policy at just about any age. Universal life insurance plans are permanent plans like whole life with more flexibility and more opportunity for growth.

When you buy an Elite Universal plan, you get to choose either a level death benefit or an increasing death benefit. A level death benefit allows for heightened cash value accumulation, while an increasing benefit adds value to the payout as the years go by.

Nordic Elite has competitive prices with other universal life insurance plans. Sons of Norway has nothing for either an indexed or variable universal life insurance policy.

Sons of Norway offers a long list of add-ons you can purchase for your universal plan:

• Waiver of deduction
• Guaranteed purchase option (meaning you can purchase further insurance at certain ages)
• Accidental death
• Children’s term
• Chronic illness (which can help you pay for treatment)
• Terminal illness (if you’re diagnosed with 12 or fewer months to live)

As with any add-ons, your monthly rate will increase if you buy additional coverage.

Viking Voyager Children’s Life Insurance

Not every company provides life insurance for children, but you’ll probably find Sons of Norway rates agreeable if you want to buy a plan for your child.

You can buy term coverage for any child, up until they reach age 26. When the minor turns 26, they can convert the policy into a permanent plan that they claim ownership of, without any further questions.

Children’s life insurance is a great option for giving your child the security of a life insurance policy far into their future, so they can’t be denied if they have a medical issue at some point. You can choose coverage of $10,000, $15,000, or $25,000 to get your child started.

If you’re on the fence about a children’s term life insurance policy, Sons of Norway offers a heritage membership to all of its insured children. These are youth-oriented programs to help children explore their Norwegian heritage.

Sons of Norway Membership Requirements

While Sons of Norway seeks to celebrate Norwegian culture, you do not need to have Norwegian heritage to become a member.

Sons of Norway membership simply requires an interest in Norwegian culture and an annual payment of $60 for an individual or $95 for a family.

Affordable insurance isn’t the only thing people sign up for with Sons of Norway. The company has a unique position in the world of insurance, standing for more than just a product.

Sons of Norway has a lot of membership benefits, which include:

• A subscription to Viking Magazine
• A newsletter dedicated to Norwegian culture
• Help to explore your Norwegian heritage
• Travel discounts to Norway

On top of the unique Norwegian twist to life insurance, Sons of Norway receives solid ratings for its financial strength, low customer complaints, and above-average customer service.

Sons of Norway is too small to rank amongst the best insurance companies as designated by the Better Business Bureau, J.D. Power, or A.M. Best, but it is worth considering nonetheless.

In-Depth Look at Sons of Norway Life Insurance Options

Sons of Norway offers a unique blend of cultural engagement and comprehensive life insurance options. Members of the Sons of Norway enjoy a range of benefits, including access to Sons of Norway Lodge, which serve as cultural hubs and social gathering places. The organization’s dedication to Norwegian heritage extends beyond insurance, offering scholarships and foundation support for cultural events and education. One of the standout features of Sons of Norway is the ease of making payments, as the Sons of Norway payment process is straightforward and user-friendly, ensuring that members can manage their policies efficiently.

If you are exploring different life insurance options, Sons of Norway provides competitive plans tailored to meet diverse needs. For instance, their best graded benefit whole life insurance is particularly beneficial for individuals seeking coverage without stringent health exams. This plan, along with others, has garnered positive guaranteed whole life insurance reviews, reflecting the satisfaction of policyholders. The organization also supports members with accessible resources like the Sons of Norway insurance phone number and Sons of Norway customer service, which are crucial for addressing any concerns or queries related to policies.

Sons of Norway’s community impact is evident in various locations, such as Sons of Norway in Spokane and Sons of Norway in Florida, where members can participate in local events and activities. The organization’s presence in these regions enhances its visibility and accessibility, allowing more individuals to benefit from its insurance offerings. Additionally, the Sons of Norway foundation plays a significant role in supporting cultural preservation and community initiatives, reinforcing the organization’s commitment to fostering a sense of belonging and cultural pride among its members.

• Best whole life insurance reviews often highlight the stability and benefits of policies that offer lifelong coverage with cash value accumulation. Sons of Norway has been receiving positive feedback in this area, placing it among the top contenders. To get a comprehensive understanding, it’s also useful to look at different life insurance reviews to see how it stack up against competitors.
• Another essential factor in choosing life insurance is the ease of claim processes. For instance, dealing with a Colonial Penn death claim form can provide insight into how a company handles claims and supports beneficiaries. Sons of Norway aims to offer a streamlined and user-friendly claims process, similar to those seen in Colonial Penn graded benefit life insurance policies. This commitment to efficiency ensures that beneficiaries receive the support they need promptly during difficult times.
• The guaranteed life insurance reviews for Sons of Norway reflect satisfaction with the simplicity and accessibility of these plans. Comparatively, looking at Haven Life Insurance reviews and Lincoln Heritage Life Insurance Company reviews can provide a broader perspective on how different insurers meet their clients’ needs without extensive underwriting requirements.
• Sons of Norway’s unique cultural focus and widespread availability are significant advantages. The organization has numerous Sons of Norway locations, allowing members to engage with local communities and participate in cultural activities. This widespread presence not only fosters a sense of community but also makes it convenient for members to access services and support. Whether you’re in a major city or a smaller town, there’s likely a Son of Norway life insurance representative nearby to assist with your policy needs.
• For those seeking simplified and straightforward life insurance options, the USAA simplified whole life insurance offers an excellent benchmark. Simplified whole-life policies typically involve less paperwork and quicker approval processes. Comparing these with Sons of Norway’s offerings can help potential policyholders understand the benefits and drawbacks of each. Additionally, reading through famous quotes about life insurance can provide inspirational insights and reinforce the importance of securing financial protection for loved ones.

For those interested in the operational aspects of Sons of Norway, the Sons of Norway agent login portal is an essential tool for agents to manage their client portfolios and stay updated with the latest policy information. This system, combined with the Sons of Norway membership cost, which remains affordable, ensures that both agents and members can effectively engage with the organization. Furthermore, the Sons of Norway scholarship opportunities provide financial assistance to students, promoting education and cultural exchange.

When comparing life insurance providers, it is beneficial to look at whole life insurance reviews from various companies. For instance, reviews of Lincoln Financial Life Insurance payout reviews, Liberty Mutual whole life insurance reviews, and USAA whole life insurance reviews can provide valuable insights into the reliability and performance of different insurers. Sons of Norway stands out in these comparisons due to its unique cultural offerings and robust insurance plans, making it a compelling choice for those seeking both financial security and cultural connection.

Explore Sons of Norway Insurance

Sons of Norway is a great option for people with Norwegian heritage and those interested in Scandinavian culture. With all the different policies it offers, it is a strong option for anyone.

If you’re considering Sons of Norway quotes, you owe it to yourself to shop around for rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.