U.S. parents with life insurance death benefits equal to at least 5 times their annual incomes are more confident about college costs than other parents are.

The Life and Health Insurance Foundation for Education, Washington, has published that finding in a summary of results from a recent survey of 541 U.S. parents with children under age 18.

Researchers found that 94% of the participants say it is definite or likely that their children will attend college.

When researchers asked parents with death benefits equal to at least 5 times their annual incomes about the likely effects of the death of the primary family breadwinner on children’s plans for college, 21% said their children would have to take out additional loans, and only 5% said they did not think their children would be able to afford to attend college.

When the researchers asked the same question of parents with no life insurance, 65% predicted their children would have to take out more loans, and 34% doubted their children would be able to afford to go to college.