Insurance & Risk

Risk isn't something to avoid, it's a reality to manage. This lesson introduces the four strategies people use to handle life's uncertainties and sets the foundation for every insurance topic that follows.

Insurance feels like alphabet soup until you realize every term exists to answer one question: who pays what, and when? This lesson decodes premiums, deductibles, claims, and coverage so students can read any policy without panic.

One fender bender can cost more than a year of premiums—if you picked the wrong coverage. This lesson unpacks the five coverage types, the premium-deductible tradeoff, and how teens can pick a policy that won't bankrupt them after a crash.

Your stuff isn't covered just because you have a lock on your door. This lesson explores how renters and homeowners insurance protect both belongings and liability, and what young adults often get wrong about coverage.

Your paycheck and your pulse are your two biggest assets. This lesson explores how life, disability, and health insurance shield income from the curveballs nobody sees coming.

The biggest threat to your insurance isn't a car wreck — it's the person who stages one. Explore how scammers exploit insurance systems and how to protect yourself from fraud, phishing, and identity theft.