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Insurance That Makes Sense

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LEVEL 1 · 0/3LEVEL 2 · 0/3LEVEL 3 · 0/3LEVEL 4 · 0/3LEVEL 5 · 0/3START
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Insure what would ruin you, save for what wouldn't: value excesses and warranties in numbers, skip low-value add-ons, understand policy words, compare and claim well, from regulator data and the research. General education, not financial advice.

2h 53m5 constellations
AT THE SUMMIT, YOU WILL BE ABLE TO

01Tell ruinous risks from ones to cover yourself

02Value excesses, warranties and add-ons in numbers

03Understand policy words and compare cover, not just price

04Claim well, renew wisely and build your own fund

Every lesson of Insurance That Makes Sense

15 lessons in 5 levels, about 3 hours. Level 1 is free.

Level 1How Insurance WorksFree · 3 lessons
  1. What you're really buyingUnderstand how much of each premium comes back as claims, and what that means for which insurance to buy.11 min
  2. The low-deductible trapWork out whether a lower deductible is worth its extra premium.12 min
  3. Checkpoint: insure it or keep it?Sort risks into ones to insure and ones to cover yourself.12 min
Level 2Add-ons and WarrantiesMembership · 3 lessons
  1. Extended warrantiesSee what drives extended warranty sales, and work out what one is worth.11 min
  2. Add-ons at the checkoutSpot the add-on policies that tend to offer the least value.11 min
  3. Checkpoint: the warranty pitchHandle a warranty or add-on sales pitch with the right questions.12 min
Level 3The Risks Worth InsuringMembership · 3 lessons
  1. Rare risks, short memoriesUnderstand why we under-insure rare disasters, and how to think about them in numbers.12 min
  2. The income others rely onEstimate how much protection your household would need if your income stopped.11 min
  3. Checkpoint: the words in a health policyUnderstand deductible, co-payment, coinsurance and the out-of-pocket maximum, and what a bill really costs.12 min
Level 4Buying and ClaimingMembership · 3 lessons
  1. Compare cover, not just priceCompare policies on what they cover, and know about the loyalty penalty.11 min
  2. Making a claimClaim well, and know what to do if the answer is no.11 min
  3. Checkpoint: the renewal callHandle a renewal quote with the right questions.12 min
Level 5Your Insurance PlanMembership · 3 lessons
  1. Travel insurance that covers youKnow what travel insurance must cover, and the mistakes that void it.11 min
  2. Your own insurance fundTurn the premiums you cut into an emergency fund that covers the small stuff.11 min
  3. Capstone: your insurance planKeep the cover that protects you from ruin, cut the rest, and review it every year.13 min
FREE

Level 1 is open.

Membership opens every other level of this path.

See membership
AFTER THE CORE

Keep going where this path leads.

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