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Payless 4 Colleges

A College Education Is...


Essential - * On average, students with a college degree earn twice as much money over their lifetime as compared to students with a high school diploma. Students graduating from a tier one college or university will earn eight times as much as a student with only a high school diploma on average. There are many career fields that simply do not have openings for a student who doesn’t possess a college degree.

* Source - United States Census Bureau


Expensive - The cost of a college education can range anywhere from $80,000 to $300,000. When you consider the cost of not having an education, it is easily the largest investment a parent will ever make. You can use your Dollars & Sense College Planning Software to review the annual costs of over 3,000 colleges in your area and around the country.


A Business - Colleges strive to attract the best possible students. The parents paying as much as possible and still getting the student to attend is often the ultimate goal. Colleges consider themselves a community and are looking for a wide range of the most well-rounded students to fill their seats.


Who Receives the Most Money for College and Why?


The "We Make Too Much Money" Myth - * Simply put, a great number of colleges are now willing to pay to get the students they want. Many are offering financial aid to families that earn in excess of $150,000 per year.

* Source - Money Magazine


Keep in mind that the colleges don’t consider the gift aid they award to students a handout; they look at it as an investment. As with any investment, colleges are seeking to receive the highest possible rate of return. This is one reason colleges often award funding to students from affluent families; these students often become affluent themselves and often become contributing alumni.


The Most Attractive Students - Colleges are looking for well-rounded students that challenge themselves, give back to their community, and have a strong desire to succeed. Colleges look at all aspects of the student:

Courses Taken

Grades Received

Test Scores

Volunteer Community Work

Expected Family Contribution (EFC)

Campus Visits

Admission Applications

Letters of Recommendation

It is very important for students to be their best in all areas. Although most students will not be able to be at the very top, it is important for the student to do their best in each category. Colleges are looking for an excuse to not offer the student funding. Knowing exactly what the college is looking for and excelling in each area helps eliminate those excuses.


Those Who Know the Most About the Process - College planning is a highly sequential process. There are vital steps that must be completed early in the student’s high school career. Understanding the process, devising a plan, and staying on track are all vital to achieve optimum results.


Life Insurance & Living Benefits


Our financial professionals provide individuals, families, and businesses with insurance, financial planning, investment management1 and retirement income strategies that align with each client’s unique needs, goals and vision. Our recommendations are actionable, backed by a broad range of product offerings to suit various life stages and situations.


Insurance Products & Services



Through our alignment with insurance companies of National Life Group2, we offer insurance products that provide peace of mind that the people and things you hold dear are protected and that your financial future is secure. The goal of National Life Insurance Company — since its chartering in Montpelier, VT in 1848 — has been to work together to create a better future for each and every customer through innovative financial solutions, and then to deliver on those commitments 10, 20 or 50 years down the road.


Whatever your life stage or coverage needs, we help you select the policy that’s right for you, whether for fixed short-term coverage or flexible lifetime coverage with the potential to build policy cash value.



Our financial professionals provide individuals, families, and businesses with insurance, financial planning, investment management1 and retirement income strategies that align with each client’s unique needs, goals and vision. Our recommendations are actionable, backed by a broad range of product offerings to suit various life stages and situations.


Insurance Products & Services



Through our alignment with insurance companies of National Life Group2, we offer insurance products that provide peace of mind that the people and things you hold dear are protected and that your financial future is secure. The goal of National Life Insurance Company — since its chartering in Montpelier, VT in 1848 — has been to work together to create a better future for each and every customer through innovative financial solutions, and then to deliver on those commitments 10, 20 or 50 years down the road.


Whatever your life stage or coverage needs, we help you select the policy that’s right for you, whether for fixed short-term coverage or flexible lifetime coverage with the potential to build policy cash value.


Mortgage Protection

Retirement Planning

Tax-Free Retirement Strategy


WITH PERMANENT LIFE INSURANCE


What if you could....


Provide an income tax-free death benefit for the people who depend on you?


Defer taxes as your accumulated cash value grows?


Potentially access that cash value using income tax-free policy loans and withdrawals, to use for retirement income or other needs?



What people say about us.

Here are comments from our beloved clients

I am a small farmer, with my ranch located in the Southern Idaho and providing me with all my earnings. That’s why I signed up for insurance – to back up this humble pie of mine!

STANLEY INGLEY

My son lost his left arm. Thanks to the health insurance service provided by this company, he got a fully-featured bionic limb. Thank you very much!


AMANDA BURTON

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