The Start Smart College Plan
Start saving for college in a
way that fits your budget.
Just about $1 a day can put your child on the path toward a college education!
Nothing is more essential to your child's future success than a college degree. And now, the Start Smart College Plan gives you an easy and affordable way to save for college with insurance. You can choose the monthly premium that works best with your budget, and then receive $10,000 to $150,000 toward your child's college expenses—guaranteed!
The Start Smart College Plan can help you make college dreams come true.
- Monthly payments—choose the premium that fits your budget, starting at just about $1 a day.
- Guaranteed payment of full benefit at maturity, as long as premiums are paid—no need to worry about interest rates or market volatility.
- Life insurance protection—guarantees your child will receive the full benefit amount if something were to happen to you before the maturity date.
What is the Start Smart College Plan?
The Start Smart College Plan is an endowment life insurance policy. You decide how much you can afford to set aside each month, and then you receive a guaranteed benefit payment of $10,000 to $150,000 when it's time for your child to enter college in 10 to 20 years.
Why should I choose the Start Smart College Plan?
The Start Smart College Plan provides several advantages over other methods of saving for college. It offers guaranteed benefits at affordable premiums—no worries about stock market or interest rate fluctuations. Also, life insurance guarantees the full benefit payment for your child, even if you're no longer there.
Can the Start Smart plan fit my budget?
We can help you select a monthly premium that fits your budget. Then, we'll tell you how large of a guaranteed payment you will receive when your child is ready for college.
How does my plan grow?
The value of your Start Smart plan will increase throughout the length of your policy. When your policy reaches maturity, you'll receive your full benefit payment—which is guaranteed to be greater than all the premiums you paid. There is no investment or interest rate risk!
Did You Know?
- The average cost per year at a 4-year public college is about $14,000 for in-state students and about $25,000 for out-of-state students.
- The average cost per year at a 4-year private college is about $34,000.
- College costs have typically risen 4-6% every year.
- Financial aid and scholarships cannot be expected to cover the full cost of college.
Source: The College Board, Trends in College Pricing 2008. Prices are for 2008-09 and include tuition, fees, room and board.
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