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The Vikings plan to grow their own vegetables and fruit in a large garden adjacent a practice field for player and staff consumption in their cafeteria at their new Eagan headquarters next spring.

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Interest-only payout option. The insurance company holds the money and pays the beneficiary interest exclusively. Currently, the interest rate on these accounts is about 3 percent, according to the Insurance Forum, an Elletsville, Ind., report.

The “Fixed-amount option.” A specific amount may be paid out monthly until principal and interest are exhausted. With this option, beneficiaries can adjust the monthly payout, based on financial condition.

Life annuities or fixed immediate annuities. Beneficiaries invest the lump sum insurance benefit in return for insurance company-guaranteed income, generally monthly, for as long as they live. If the policyholder dies, the insurance company keeps the balance of the proceeds—unless arrangements are made to pass proceeds to loved ones, typically in exchange for lower monthly payouts. But Elkin, of Palisades Financial, cautions against giving a large sum to the insurance company when interest rates are as low as they are today.


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