The College Student and Life Insurance

college-student-life-insurance-tampa-bayGrades and parties are most college students’ most pressing priorities (maybe not in that order). But if you’re a college student with family responsibilities, life can feel a little less carefree. If that describes you, life insurance is a great way to ease your worries and enjoy the college lifestyle, while still ensuring you’re taking care of those closest to you.

Wouldn’t you love to party on, travel the world, and leap into the unknown without a care in the world? With life insurance, you can run with the bulls, jump from planes, and eat anything that doesn’t move, and know that your spouse, children, family members, or other dependents will be well taken care of, no matter what happens.

See? Every fun-loving young adult with a few responsibilities should think about getting life insurance. And the best part is, there are plenty of benefits even when nothing bad happens to you.

What life insurance gets you depends on which of the two basic types you choose:

Term Insurance

Term Life Insurance is perfect for the college student with ambitious travel plans and dependents. Term insurance covers you for a limited period of time, which can be great if, say, you’re going on a research study trip to Nepal or Africa and recently started your own family. Term insurance is also usually the least expensive form of life insurance, and provides only a casualty benefit.

Cash Value Life Insurance

Cash Value Life Insurance includes whole life and universal life insurance policies. Like Term life insurance, these types of policies provide benefits to your named beneficiaries if anything happens to you. But cash value policies also let you save up additional cash to care for dependents or to pay additional taxes, or to leave a gift for your favorite charity after your passing.

One good reason a college student would consider a Cash Value Life Insurance policy is its potential to grow in value over time: a Cash Value Life Insurance policy is a form of investment. However, do remember that growth can vary with changing interest rates or investment results.

So, if you’re a college student in South Florida looking to make sure those closest to you are taken care of (no matter how much fun you’re having), please get in touch.

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