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A complete guide to life insurance for students



  Life insurance for college students

Would you be surprised to hear that life insurance for college students is a topic I am often asked about?

Yep! Despite the fact that most students are young, healthy and uncomfortable …

There are still some VERY good reasons to consider buying life insurance.

Let's check them out!

Are you looking for quick and easy answers about life insurance for a college student?

Check out the links below to find the answers you are looking for:

Quick Guide to Life Insurance for Students:

Life insurance for students ̵
1; who should consider it?

  Life insurance for students

Yes, students should consider buying life insurance. “/>

19659003] I know it sounds like a shot in the dark – but there are some VERY compelling reasons to buy coverage during this period.

The following two categories are the most pressing in my book: [19659015] University students with family and / or financial obligations such as mortgages and debt

  • Parents who have signed a student loan
  • Let's take a deeper look now:

    University students with debt and / or a Family

    Life insurance is something you absolutely need if you are a student with family and financial obligations.

    Not all students are free and unimaginative.

    If you have children, a mortgage and debt, this is the post for you.

    Think about

    You have taken on a boat with debt when you log in to the private 4-year college program. You and your spouse are really struggling to pay the bills but everything will be worth it when you get that peach of a job.

    In a nutshell, all these plans depend on you living and getting the new job.

    Then the unthinkable happens. You suddenly pass away. Who will have to pay for your debt? … YOUR MAK.

    RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance

    This Can Literally Destroy Them. I do not think that many college students with families really sit down to think about the burden they place on their other half if something unforeseen happens.

    Let's be real – most of us do not believe it will happen – but I'm here to say it does.

    Protect your loved ones from having to deal with a situation like this by getting some lifelong insurance to cover your debts.


    Existing health conditions?

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    Parents co-signing a student loan

    Good ”ole mom and dad!

    These are the ones that are under thick and thin – and chances are you will not really really appreciate everything they do for you until you are an adult.

    Who else is crazy about providing security for a $ 200,000 loan for someone who has not shown any financial history at all. Of course parents.

    So, if you are going to sign such a large loan, it makes sense to consider what would happen if your child becomes ill or has an accident and passes away.

    None of us is immortal!

    As parents, the thought of your children dying at a young age is unthinkable, but unfortunately it happens. Young people are not harmless and unfortunately both accidents and terminal illnesses occur.

    Statistically, as many as 200,000 young people between the ages of 15 and 44 in the United States die from illness and accidents [19659044

    the main question to ask yourself is this:

    "Who will have to pay for the remaining balance of your student loan if you die before it is paid off?"

    The answer is quite simple – your loved ones!

    So this is usually where mom and dad come in. If they have signed for you, you have to consider them.

    Which leads me to the REALITY of a college education:

    RELATED: Check examples of life insurance rates by age (No personal information required)

    THE REAL Costs of a college education

      college [19659012] If you are a parent, you are well aware of the <em> threatening expenses that your child faces if they choose a university education. </em> </p><div><script async src=

    SIGH…

    I have three beautiful daughters and I fear it!

    For many parents, having a doctor or lawyer in the house is a dream come true.

    But let's face it, your children will have to take on monumental debts to get there if you did not have the foresight to make any serious savings. [19659003] So what do children today have to look forward to? I will give you some cold hard facts about the cost of a college education.

    Did you know that 44.2 million Americans have student loan debt? Yep True story! – Looking at the shocking loan statistics for student loans for 2017! StudentLoanHero.com

    How expensive is a college education really?

    The cost of the average 4-year college education not only includes education but also includes the following: [19659066] Fees

  • Housing and meals
  • Books and college materials
  • Personal expenses and transportation expenses
  • Average cost of annual higher education can be distributed as follows:


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    Skip the needles!

    Do you want to take the "pain" of life insurance? We do not blame you! Bestow is one of our most recommended non-degree companies offering 10 and 20 year plans up to 55 years. See if you qualify for "no degree" today.

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    ] 1. Tuition and fees

    Universities not only charge tuition but also include fees for services:

    The National Board of Health and Welfare reports that the average annual cost of tuition and fees is distributed as follows:

    • Public 2 Year College : $ 3,520 (in District)
    • Public 4 Year College : $ 9 650 (in State)
    • Public 4 Year College [19659079]: $ 24,930 (outside the state)
    • Private 4 year college : $ 33,480

    The cost of 4 years of tuition at a private school will hit you or your child back … $ 133920.00 OUCH!

    … .and this does not count the whole REST

    2. Housing and meals

    The costs for "room and board" vary but on average the costs are as follows:

    • Public 2 Year College : $ 8,060 (in district) [19659067] Public 4 Year College : $ 10,440 (in states)
    • Public 4 Year College : $ 10,440 (out of state)
    • Private 4 Year College : $ 11 890

    The cost of 4 years / room & board at a private school will hit you or your child back … $ 47560,00 Double OUCH !!

    3. Books and School Supplies

    The average student spends about $ 1200.00 a year on books and supplies!

    The cost of 4 years / books and supplies will hit you or your child back … $ 4800.00 Triple OUCH! !!

    [tcb-script type=”text/javascript” src=”//wq.ninjaquoter.com/FToxEtrhMF9qQMTpQBByLSas.js” async=””] [/tcb-script]

    4. Personal and transport expenses

    These expenses take into account local transportation, clothing, personal belongings and entertainment. On average your student will spend:

    • Public 2 Year College : $ 1,760 (in district)
    • Public 4 Year College : $ 1160 (in state)
    • ] Public 4 Year College : $ 1,160 (out of state)
    • Private 4 Year College : $ 1,070

    The cost of 4 years / personal transportation will know you or your child back … $ 4280.00 Quadruple OUCH !!!!

    That's a total of $ 190560.00!

    It will cost you or your child about $ 200,000 to graduate from a 4-year private college all in … and it does not count in elementary school!

    Now you know why so many ask me about life insurance for students.

    If a young college student dies while in school, or not long after graduation, the remaining debt must still be paid !
    Guess what? I have some BIG news for you! Life insurance is VERY affordable when you are young!

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    Life insurance for students is affordable

    OK – show me the money.

    Life insurance for college students is CHEAP.

    Yep, you heard me.

    The cost per month is lower than what you would spend on lunch at a fast food restaurant.

    Keep in mind that I'm talking about life insurance here because it's the most affordable option and completely covers your needs.

    Simply choose the amount you want, how long you want the insurance coverage – like 10, 15 or 20 years – and voila – you are covered!

    Did you know that the average cost of eating out for lunch in the United States was $ 11.14 in 2015 ???

    Yep – true story! Statista.com

    I'll share some real numbers with you! It will give you an idea of ​​the type of coverage and term we are talking about.

    I think you'll be surprised.

    Let's check out some prices now!

    Sample Prices

    The following are some examples of lifelong insurance quotes from Protective Life Insurance:

    10 Year Life Insurance for Typical Students

    Age [19659131] $ 100,000 $ 250,000 $ 500,000 $ 1 million
    18 year old male, Preferred Plus $ 7.17 $ 9.62 $ 14.06 $ 21.28
    19 years old man, Preferred Plus $ 7.17 $ 9.62 $ 14.06 $ 21.28
    20 year old male, Preferred Plus $ 7.17 $ 9.62 $ 14.07 [19659132] $ 21.28
    21 Year Old Man, Preferred Plus $ 7.17 $ 9.62 $ 14.07 $ 21.28
    22 Year Old Male, Preferred Plus $ 7.17 $ 9.62 $ 14.07 $ 21.28 [196591] Year Old Man, Preferred Plus $ 7.17 $ 9.62 [19659131] $ 14.07 $ 21.28

    (Livförs hedging rates based on 10 years guaranteed Leve l Term, from 15.7.17, subject to change)

    30 year life insurance for mature student

    Age $ 100,000 $ 250,000 [19659133] $ 500,000 $ 1 million
    28 year old man, Preferred Plus [19659129] $ 13.85 $ 20.03 $ 33.09 $ 57.37
    32 year old male, Preferred Plus $ 14.45 $ 21.11 $ 35.73 $ 63.03
    35 year old male, Preferred Plus $ 14.87 $ 23.04 $ 38.65 $ 68, 98
    40 year old male, Preferred Plus $ 18.91 [19659137] $ 30.48 $ 53.14 $ 101.70
    45 year old male, Preferred Plus [19659129] $ 27.35 $ 48.31 $ 90.19 $ 170.65
    50 year old male, Preferred Plus [196591] $ 41.01 $ 72.48 $ 138,43 $ 263,04

    Remember your health questions … (Life insurance courses based on 30 year guaranteed level period, from 7/15/17, with pres. hold for changes)

    These prices are based on a preferred plus rating . Which means you better be in GREAT shape with a pure family history.

    Find out in 2 minutes if we can beat Protective & # 39 ;s Rate

    At Huntley Wealth, we treat all customers as if they were families. Our agents have NO sales quotas, so we can spend all the time required with each customer … it is not possible to hurry to the next call with our agents.

    What happens if I have an illness?

    This is a difficult question to answer.

    It really depends on the disease and whether it is checked . Some pre-existing medical conditions have no effect, while others are more difficult to insure.

    One thing to keep in mind is that not all life insurance companies are created equal when it comes to warranty!

    Some companies are much more liberal with health conditions than others.

    Huntley Wealth specializes in high-risk health situations. We can help you find the companies that are easier for your special circumstances, which means you get the best available prices.


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    Your condition may not be punished in the way you imagined!

    Many people think that their medical condition is much worse than what the insurers do.

    This does not mean that there are no conditions that are heavily weighted – BUT . ..

    If you have a pre-existing medical problem, e.g. As high blood pressure and it is treated successfully, you can still get good prices.

    That's why it's so important to talk to an independent agent, like those at Huntley Wealth. We know which insurers we should go to for your personal circumstances.

    Let's take a look at some standard prices

    Here are some prices for a woman in standard health who wants to have her 20th birthday in different decades of her life. .

    Ideally, she wants to protect herself and loved ones while attending college and building her career.

    Check out the numbers!

    Examples of Life Insurance Quotes from Protective Life Insurance:

    Age [19659131] $ 100,000 $ 250,000 $ 500,000 $ 1 Million
    25 Year Old Woman, Standard $ 11.90 $ 18.93 $ 32.04 $ 55.59
    35 year old female, Standard $ 13.19 $ 22.84 [19659131] $ 39.41 $ 72.10
    45 year old female, Standard $ 21.15 $ 40.50 $ 74.06 $ 136.52 [19659157] (Life insurance courses based on 20-year guaranteed level period, per 17.7.17, may change)

    HEALTH ISSUES? We help you get approved!

    At Huntley Wealth, we specialize in helping individuals with high-risk medical problems. Your name is and we've seen it.

    We help you get approved quickly at a speed you can afford. Get started with a free life insurance quote now!

    As you can see – even if you do not have perfect health – life insurance is VERY affordable!

    For just over $ 23 per month she can insure herself at the age of 35 for $ 250,000 in coverage for 10 years!

    This would conveniently take care of her 4-year private college debt.

    Final Thoughts on Life Insurance for Students

    No one in their late teens or early 20s expects to die …

    … and as a parent, you really do not expect your children to come to precede you. The message I want to get out is that it is VERY important to be prepared for the unexpected.

    Here are my last words when it comes to life insurance for students:

    1. Life insurance is FRIENDLY affordable. Even if your health is not perfect, you can get $ 500,000 in coverage for what it would cost you to have lunch with a friend once a month. JAPP! People grossly overestimate the cost.

    2. If your loan was signed by your parents, does not it make sense to protect them? Should something unexpected happen to you, they are still responsible for the payments.

    3. If you have a mortgage, debt or a family – well then life insurance is just NO BRAINER. You should have it to protect those you love.

    4. Always use an independent life insurance agent, such as those at Huntley Wealth. We give you the best possible prices.

    Are you looking for low cost insurance for students? Huntley Wealth Can Help

    If you're looking for life insurance for college students, Huntley Wealth & # 39 ;s Covered You .

    As independent agents, we have access to dozens of life insurance companies – which means the best prices for you.

    If you are in your twenties, chances are is good health. This means that your prizes will be super affordable.

    Unfortunately, too many people think that life insurance is more expensive than it actually is.

    Even if you have any pre-existing medical problems, we can help. We have over a decade of experience in handling high-risk cases and we know the efforts of all carriers.

    Call us today at 888-603-2876!

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    * While we do everything we can To keep our site up to date, be aware that "current" information on this page, such as quotation estimates, or relevant company information, may only be accurate from the last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Please contact your own legal or tax advisor.
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