Education Funding & Planning With Life Insurance

The earlier that you start planning of your children's education, the easier it will be for you to pay those education an tuition bills when they come due

The best time to start planning and saving for private school & college education expenses for your children, grandchildren, nieces or nephews - is before they are born. If you've already past that milestone, do not despair - its not too late. You can start now by choosing among a number of different planning strategies that not only provide the opportunity for your education and college expense savings to compound tax - deferred but offer the possibility of tax free withdrawals for qualified expenses when the student enrolls.

You may not be able to predict what school your child will choose, but you can certainly prepare for tuition payments in advance.

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Average College Tuition Prices 2008-09	But Do You Know That...
Private four year $25,143 (up 5.9% from last year) Public four-year $6,585 (up 6.4% from last year)	Approximately 56 percent of students enrolled at a four-year college or university attend institutions that charge tuition & fees of less than $9,000 / year. 38 percent of full-time students enrolled in a public four-year colleges and universities attend institutions that charge tuition & fees between $3,000 and $6,000. While a private four-year institutions have a much wider range of tuition & fee charges, only about 9 percent of all students attend colleges with tuition and fees totaling $33,000 or higher per year.
Public two-year $2,402 (up 4.7%from last year)	32 percent of all full-time students attend public two-year colleges.
Students will pay, on average, from $380 to $400 more than last year for this year's room and board, depending on the type of college. The average surcharge for full-time out-of-state  students at public four-year institutions is $10,867.	More than $143 billion in financial aid is available to students and their families. About two-thirds of all full-time undergraduate students receive grant aid. In 2008-09, estimated aid in the form of grants and tax benefits averaged about $2,300 per student at public two-year colleges, about $3,700 at public four-year colleges, and about $10,200 per student at private four-year colleges.

That's just the college tuition costs – not including food, transportation, books, miscellaneous fees and other living expenses. For students and parents alike, it can be equally difficult to plan and come up with the necessary education financing without going into debt.

Call us today to speak with a financial services professional about your education funding and planning needs today at 866-392-INFO (4636)