By TE Cunningham

Congratulations, graduates! As you step into the exciting world beyond academia, a myriad of new responsibilities await your attention. Amidst the flurry of job applications and apartment hunting, it’s crucial not to overlook a critical aspect of adulting—insurance.

Here are some key insurance considerations every graduate should keep in mind:

  1. Health Insurance: If you were covered under your parent’s health insurance plan, it’s time to explore your options. Many employers offer health insurance benefits, but you may qualify for coverage through COBRA or state exchanges if you’re not immediately employed. Don’t gamble with your health – secure adequate coverage to protect against unexpected medical expenses. Learn more about COBRA at
  2. Renter’s Insurance: Protecting your belongings is paramount whether you’re moving into a dorm, renting an apartment, or buying a house. Renter’s insurance covers your personal property in case of theft, fire, or other unforeseen events. It’s often surprisingly affordable and provides peace of mind knowing your valuables are safeguarded.
  3. Auto Insurance: Auto insurance is non-negotiable if you own a car or plan to purchase one. Even if you don’t own a car but frequently borrow one, consider non-owner car insurance to protect yourself in case of accidents. Shop around for quotes to find the best coverage at the most competitive rates.
  4. Life Insurance: While life insurance might seem like a distant concern for young graduates, it’s never too early to start considering protecting your loved ones. If you have dependents or co-signed loans, life insurance can provide financial support in case of your untimely passing. Term life insurance policies are typically affordable and offer coverage for a specified period, making them an excellent option for recent graduates.
  5. Disability Insurance: Your ability to earn an income is one of your most valuable assets. Disability insurance provides a safety net if you cannot work due to illness or injury, replacing a portion of your lost income. Many employers offer disability insurance as part of their benefits package, but you can also purchase individual policies for additional coverage.
  6. Professional Liability Insurance: If you’re entering a profession that exposes you to potential lawsuits, such as healthcare, law, or finance, consider professional liability insurance. Also known as errors and omissions insurance, this coverage protects you against claims of negligence or malpractice, ensuring your hard-earned assets remain intact.

As you embark on this new chapter of your life, don’t overlook the importance of insurance in safeguarding your financial future. Take the time to assess your needs, explore your options, and secure the coverage that best suits your circumstances. TrustPoint Insurance Services is here to help guide you through this process, offering expert advice and tailored solutions to protect what matters most. Congratulations again, and here’s to a future filled with success and security!

Contact us today regarding your insurance needs! Call us at (800) 258-4219 for insurance inquiries or (620) 364-5665 for real estate.