Dear Educators,

As we celebrate the recent graduations of your students, we want to acknowledge this significant milestone and offer some valuable insights to help them navigate their next chapter.

Life Insurance: A Practical Graduation Gift for Your Students

While a life insurance policy might not be the most traditional graduation gift, it’s a practical and thoughtful one that demonstrates your care for their future financial well-being. Here’s why it’s worth considering:

1. Lock in Low Rates While They’re Young and Healthy:

The cost of life insurance is directly tied to age and health. By helping your students secure a policy now, they can take advantage of lower premiums that may not be available later in life. The average cost of a 20-year, $500,000 term life policy for a healthy 30-year-old is around $26 per month. But wait a decade, and that same policy could cost nearly double.

2. Protect Your Loved Ones from Financial Burdens:

Many graduates are saddled with student loan debt, averaging $37,172 per borrower. Life insurance can alleviate this burden, ensuring your loved ones aren’t left struggling to repay these debts in the event of an unexpected tragedy.

3. Maximize Employer Benefits:

Many employers offer life insurance as part of their benefits package, often at little or no cost to employees. This can be a valuable addition to your students’ financial security, so encourage them to explore this option. However, it’s important to note that employer-provided life insurance is often tied to the job, meaning coverage could end if they leave the company. Therefore, it’s wise to consider securing an individual life insurance policy for long-term protection.

4. Gain Peace of Mind for the Whole Family:

Knowing that your loved ones are financially protected can bring invaluable peace of mind. Life insurance offers a safety net, allowing your students/graduates to pursue their dreams with confidence, knowing that you and their loved ones are taken care of.

Choosing the Right Policy:

There are various types of life insurance policies available, including term life, term life with return of premium and whole life insurance. Each has its own advantages, and the right choice depends on individual needs and circumstances. We encourage you to explore these options with your students/graduates and consider consulting with a financial advisor to determine the best fit for their needs.

Investing in life insurance now is a gift that can provide lasting financial security and peace of mind for both your students/graduates and your family. We hope this information is helpful as you guide your students/graduates towards a bright and prosperous future.

You can get a quote for our products via this link: https://usa4you.com/our-products/

Sincerely,

United Schools Associates