Let’s have a frank conversation.

From the friendships to the internships, the challenging courses to the life lessons and experiences, college students pick up essential tools during their years on campus. But there’s one extra thing college students could pick up to put them on a path toward success. That’s life insurance.

Life insurance for college students? We know what you may be thinking. Yet our life insurance experts firmly believe there’s no “too young” when it comes to a policy. In fact, getting a Whole Life or Term Life policy as a college student could prove to be an important asset during your college days and far beyond.

Here’s why:

1. It protects against your passing.
Unfortunately, no one is invincible, and you never know what’s going to happen in life. Whether you’re young, old and/or a college student, life insurance could help your family cover funeral and end-of-life expenses should something happen to you. If you get married or have children during college, life insurance is especially important as it can care for your dependents financially.

2. It covers your debts.
Have you taken out loans to help cover tuition? If you passed away unexpectedly, your federal student loans would be forgiven. But did you know any private student loans would still need to be paid – and may even be accelerated – despite the situation? If you’re not there to pay off this balance, your family could accrue the debt. Or, a life insurance policy could cover unpaid loans and other debts instead.

3. It locks in a lower rate.
When you’re younger and healthier, you can get a policy at a better price. Here’s the great news – once you lock in the premium (the amount you’ll pay to keep the policy active), that amount will never increase. By getting a policy as a college student, you could secure a less expensive life insurance payment than you would years later.

4. It’s more affordable than you think.
Having peace of mind with insurance and knowing a few extra tips for staying safe on campus is invaluable. For the same price as eating out a couple of times a month, getting that upgraded gym membership or picking up another school sweatshirt… you could secure a life insurance policy that lasts much longer. Many college students don’t know just how affordable a policy can be until they get a quote.

College is full of new adventures, and expenses. Insurance for college students can help protect you and your loved ones now and for the years ahead. We can help you find a policy that fits your budget and needs. Talk to an agent about life insurance today.