Insurance basics beyond health
Insure the catastrophe, skip the rest
Insurance is sold with fear and jargon, so most people either over-buy the wrong things or skip the ones that matter. This track strips it back to one idea — transferring a rare, unaffordable loss to a pool for a predictable premium — then maps the policies people meet beyond health: auto and renters/home, life (term vs. whole, honestly), and the disability coverage that protects your biggest asset, your income. It closes with the coverage usually worth skipping. Warm, judgment-free, never pushy.
4 lessons · about 24 minutes total · 100% free
Saved on this device only — no account needed.
1. How insurance actually works
Insurance trades a small, predictable premium for protection against a loss you can't absorb. Learn the four numbers on every policy and when a higher deductible saves you money.
6 min read
2. Auto, renters, and home insurance
Liability, collision and comprehensive on your car; belongings, liability and loss of use on your home. Learn what each pays, the settings that decide payouts, and what's excluded.
6 min read
3. Life insurance without the sales pitch
Term life is cheap protection for the years people depend on your income; whole life costs 5–15 times more. Learn who needs coverage and how to size it.
6 min read
4. Disability insurance and the coverage people overlook
Your ability to earn is your biggest asset. Learn how disability insurance replaces income, how FMLA and Social Security fit, and which add-on policies you can skip.
6 min read