🛡️ Insurance Fundamentals: Life, Health, and Property & Casualty

A plain-English guide to how insurance works and how to buy the right coverage wisely, without overpaying. The course is organized into 10 modules, ending with a final exam (pass mark 80%). It is independent, free exam-preparation training — not an official or accredited review course.

What you'll learn

• Welcome: Why Insurance Matters
• Core Mechanics: How Insurance Works
• Life Insurance: Term vs Permanent
• Health Insurance: Plans and Accounts
• Auto Insurance Explained
• Home and Renters Insurance
• Disability and Umbrella Coverage
• How Much Coverage You Need
• Reading and Comparing Policies
• Claims, Disputes, and Next Steps

Learning objectives

• Explain the core mechanics of insurance: risk pooling, premiums, deductibles, copays, coinsurance, and out-of-pocket maximums.
• Distinguish term from permanent life insurance and estimate how much coverage a household needs.
• Compare health plan types (HMO, PPO) and use tax-advantaged accounts like HSAs, FSAs, and HRAs.
• Read an auto, home, or renters policy and identify what is covered, excluded, and added by riders.
• Evaluate disability and umbrella coverage and calculate appropriate liability limits.
• Navigate the claims process, dispute a denial, and avoid common buying mistakes.
• Compare policies side by side and assemble a coordinated, cost-effective insurance plan.