Everything to Know About Sons of Norway Coverage in 2022

Sons of Norway promotes celebration and understanding of Norwegian culture and sells strong life insurance options. However, you don’t have to have Norwegian ancestors to gain Sons of Norway membership. From term to whole to universal, Sons of Norway has options that will work for you. With a list of add-ons available to purchase, you can find the life insurance you want with Sons of Norway.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 29, 2022

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Quick Facts

  • Sons of Norway offers policies that include term, whole, and universal life insurance
  • The company offers a long list of add-ons you can purchase for your life insurance policy
  • Sons of Norway seeks to encourage others to explore Norwegian heritage, but you don’t have to be Norwegian to become a member

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.

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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.

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