Insurance Decoded

A US personal-finance simulation that walks a 22-year-old through the five insurance decisions (auto, health + HSA, renters, life, long-term disability) inside a 14-day benefits-enrollment window. Students learn the breakeven on a deductible, why state-minimum liability is inadequate, why HDHP + HSA is a stealth retirement vehicle, the dependency test for life insurance, and why long-term disability is the highest-expected-value policy in their twenties.