The Life Lessons Scholarship Program is open only to legal residents of the fifty (50) United States, the District of Columbia and Puerto Rico, who are between 17 and 24 years of age, have experienced the death of a parent or legal guardian, and are currently enrolled in, or have been accepted to, a college, university or trade school within the fifty (50) United States, the District of Columbia or Puerto Rico. Employees of Life and Health Insurance Foundation for Education (ÔÇ£Life HappensÔÇØ or ÔÇ£SponsorÔÇØ), KWT Global, and their respective parents, affiliates, subsidiaries, and advertising, and promotion agencies, and any such employeeÔÇÖs immediate family members (spouse, parent, child, sibling and their respective spouses) and those living in their same households, whether or not related, are not eligible to enter or win a scholarship. A minor should have a parentÔÇÖs or legal guardianÔÇÖs permission to enter. Void where prohibited by law. The Scholarship Program is subject to all applicable federal, state and local laws. Complete and submit the online application form, including an essay of no more than 500 words or video entry of no more than 3 minutes describing the financial and emotional challenges you have experienced as a result of the death of a parent or legal guardian. You must explain how the lack of adequate life insurance coverage (or no coverage at all) impacted your familyÔÇÖs financial situation. Comment specifically on how things might have turned out differently for you and your family if the person who died had adequate life insurance coverage. Also indicate what you have done to provide for yourself and/or other family members because of financial challenges your family has faced. Entry must be submitted in English, be entrantÔÇÖs original creation, be true and verifiable, created solely by entrant, with no restrictions or limitations on entrantÔÇÖs right to submit, or SponsorÔÇÖs right to use, the entry. Entry may not have previously won a scholarship from Life Happens. Entry must be 100% original and not contain third party materials subject to copyright including but not limited to music, video clips, artwork and photos. Entry cannot defame or invade publicity rights or privacy of any person, living or deceased, or otherwise infringe upon any personÔÇÖs personal or proprietary rights. Modifying, enhancing or altering a third partyÔÇÖs pre-existing work does not qualify as entrantÔÇÖs original creation. Entry may not be offensive or inappropriate, as determined by judges in their sole discretion. Sponsor reserves the right to disqualify any entry it deems to be inappropriate, offensive or is not in keeping with SponsorÔÇÖs image, in its sole discretion.