`. Per-site deviations (e.g. 'US phone number (10 digits)' vs generic 'valid phone number', 'Age must be 18-85 for term life') are allowed but MUST be documented in packages/shared/docs/FORM-VALIDATION-MESSAGES.md. Picks the friendliest/clearest variant as canonical — see that doc for the decision rationale on each string.","_updated":"2026-04-24","required":{"name":"Please enter your full name.","nameFirstLast":"Please enter your first and last name.","phone":"Please enter a valid phone number.","phoneRequiredWithAgent":"Please enter your phone number so Ali can reach you.","email":"Please enter a valid email address.","field":"This field is required."},"invalid":{"email":"Please enter a valid email address.","phone":"Please enter a valid phone number.","phoneTenDigits":"Please enter a valid 10-digit phone number.","phoneUsOnly":"Please enter a valid US phone number (10 digits).","phoneUsOnlyWithFallback":"Please enter a valid US phone number (10 digits). Outside the US? Call (239) 800-8508.","phoneOptional":"Please enter a valid 10-digit US phone number, or leave blank."},"zeroBounce":{"invalid":"This email address doesn’t appear to exist. Please double-check and try again.","spamtrapOrAbuse":"We can’t accept this email address. Please use a different one.","doNotMail":"This looks like a temporary or disposable email. Please use your real email address.","default":"Please enter a valid email address."},"retry":{"generic":"Something went wrong. We’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","network":"Network error. We’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","timeout":"Taking longer than expected — we’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","connection":"Connection error — we’ve saved your info and will retry automatically. You can also call us at (239) 800-8508."},"submit":{"rateLimited":"Too many submissions. Please wait a minute."},"perSite":{"siteFinalExp":{"_note":"Final Expense is age-gated 50+; today this rule lives server-side, not in client-side form validation. No client-side deviations from canonical."},"siteTerm":{"dobFormat":"Please enter date as MM/DD/YYYY.","dobAgeRange":"Age must be between 18 and 85 for term life.","_note":"Term Life uniquely validates Date of Birth + age range at the point of the quote form (18-85 window chosen because no A-rated carrier will quote outside it). Keep both strings site-local — they do not apply to the other 5 sites."},"siteIul":{"phoneBlurPartial":"Please enter a 10-digit phone number.","_note":"IUL's inline blur handler uses a stricter 'X-digit' phrasing while typing; kept site-local because it's a transient nudge, not the submit-time error."},"siteMortprot":{"_note":"Uses `phoneRequiredWithAgent` and `phoneOptional` canonical strings. No additional site-local strings."}}}; Skip to main content

You've been saving for your children's college education through a 529 plan or other savings vehicle. But what happens to that plan if you're not around to fund it? Life insurance ensures your children's education goals are met regardless of what happens to you.

Family preparing a meal together in their kitchen, illustrating the everyday moments that motivate parents to secure their children's college future

The Education Funding Gap

The average cost of a four-year public university in Florida is over $25,000 per year when you include tuition, room, board, and fees. That's $100,000 per child for four years — and private universities cost two to three times more. If you die while your children are young, decades of planned contributions to their education fund disappear with your income.

Life insurance bridges this gap. By including education costs in your coverage calculation, you ensure that even if you're not there to earn the money, the funds for college are available.

How to Calculate Education Coverage

Estimate the total cost of education for each child, accounting for inflation (college costs have been rising about 5 to 6 percent annually). Subtract any existing savings in 529 plans or other accounts. The difference is the gap that life insurance should cover. Add this amount to your other coverage needs (income replacement, debts, final expenses) to determine your total coverage target.

Florida Prepaid vs Life Insurance

Florida Prepaid College Plans lock in today's tuition rates for future use, which is a great savings tool. But if you die before you've finished making all the payments, the plan may not be fully funded. Life insurance can provide the funds to complete prepaid plan payments or supplement the plan with additional college savings.

Some families use a combination of Florida Prepaid for tuition and life insurance for room, board, and other expenses. This layered approach ensures comprehensive education funding.

Using Cash Value for Education

If you have a permanent life insurance policy with cash value, you can access that cash value through policy loans to help pay for college. Unlike withdrawals from retirement accounts, policy loans aren't taxable income. However, borrowing against your policy reduces the death benefit, so this strategy works best when you have sufficient coverage beyond what you're borrowing.

Bright Futures Scholarship

Florida's Bright Futures scholarship program can significantly reduce college costs for qualifying students. But even with a scholarship, students face costs for housing, food, books, and personal expenses. Life insurance ensures these remaining costs are covered even if the parent who planned to pay them is no longer alive.

Saving for college is a long-term commitment. Life insurance makes sure that commitment is honored even if you can't be there to fulfill it yourself. Add education funding to your coverage calculation — your children's future depends on it.

Trusted Partners

A-Rated Carriers, One Independent Agent

I compare policies from 10 of the most financially stable life insurance companies in America — so you get the best coverage at the best price, no matter which carrier wins.

Banner Life / William Penn A AM Best
Corebridge Financial A AM Best
John Hancock A+ AM Best
Nationwide A+ AM Best
Pacific Life A+ AM Best
Principal A+ AM Best
Protective A+ AM Best
Prudential A+ AM Best
SBLI (Savings Bank Life Insurance) A AM Best
Symetra A AM Best

Logos are trademarks of their respective owners. Appearance does not imply endorsement. AM Best ratings are independently assigned and subject to change.

Ali also helps Florida families with

Life Insurance Florida Life Insurance Term, Whole, IUL, Final Expense, Mortgage — one independent agent Term Life Florida Term Life Affordable coverage from $15/month. 10+ A-rated carriers compared. IUL Florida Indexed Universal Life Tax-free retirement income with market-linked growth. Final Expense Florida Final Expense Burial insurance from $20/month. Coverage up to $35,000. Mortgage Protection Florida Mortgage Protection Keep your family home if something happens to you.

Independent licensed FL agent — one agent, every product.

Get Free Quote Call Now