Insurance Genius. Where "I should have known" becomes "I knew."
Twelve short lessons that turn your kid into the rare adult who can read a policy, ask the right questions, and not overpay for the wrong coverage. Health, auto, home, life, disability — Shield walks them through each one kid-first.
Twelve "It" lessons. One adult who can read a policy.
Each lesson is named after the action it teaches: Shield It. Drive It. Claim It. Skip It. By the end, your kid knows the five major policy types — and the two they don't need to buy.
What insurance actually is: thousands of people sharing risk so one bad day doesn't break one family.
Premiums, deductibles, copays — the three words most adults can't define. Your kid will.
Auto insurance kid-first: liability vs collision vs comprehensive. What you legally need and what's extra.
Renters insurance is $15/mo. Homeowners is $1,500/yr. Both protect the same thing — your stuff.
Term vs whole life. When you need it. When you absolutely don't. The trap most adults fall into.
Disability insurance — the most under-bought policy in America. What happens if you can't work.
How to actually read a 40-page policy in 10 minutes. What to highlight. What to ignore.
How to file a claim without getting denied. The 4 things adjusters listen for.
When bundling saves $400/yr. When it's a trap. The math, kid-clear.
Get 3 quotes from 3 carriers. The same way Shield does. Average savings: 22%.
The insurance you don't need: extended warranties, credit-card insurance, identity-theft add-ons.
Sign the right policy. Your kid graduates Insurance Genius ready for the real first apartment.
Open Episode 01 — student, parent, and teacher.
Every Insurance Genius episode ships with the same three companion PDFs. EP 01 (Shield It) is yours free, right now — download the real files.
Three companion PDFs — free preview
Click any to download the real, full-quality sample. The same three-tier set lands with all 12 episodes.
Insurance is abstract. Until it isn't.
Premium. Deductible. Copay. Coverage limit. These words mean nothing — until they mean everything. Insurance Genius delivers each one through four channels so it sticks before your kid actually needs it.
Visual
Animated risk-pool diagrams. Color-coded coverage layers. The "umbrella" graphic that finally makes deductible-vs-out-of-pocket-max click.
Auditory
Shield's steady mentor voice walks through real policy clauses. Repeatable rules ("Three quotes. Always three.") that lock into memory like songs.
Kinesthetic
The risk-pool jar exercise (everyone drops in $1, one kid pulls out $20 when they "break a leg"). The policy highlighter activity. Coverage cards moved across a board.
Reading + Writing
Real (annotated) policy excerpts. Vocabulary stems ("The deductible is…"). The 5E teacher plan with comprehension checks per term.
Same 12 lessons. Four levels of grown-up.
A first-grader colors a shield. A senior reads a real homeowners policy and explains it to their parents. Same content, four depths.
Coloring book of Shield protecting characters. Story-time about the village that pooled money for the burned barn. The first vocabulary — cover, claim, share.
The pool worksheet: 100 kids put in $1 each. One has a $50 emergency. What happens? Real numbers, real arithmetic, real "oh, I get it."
Open your family's real auto policy and read it together. Identify the deductible, coverage limits, exclusions. Quote it on 3 carriers. Real document literacy.
By 18, your kid can pull 3 quotes for renters insurance, compare deductibles, and sign a real $12/month policy on their college apartment. The "first apartment" gap, closed.
By the time most Americans understand insurance, they already needed it.
These aren't scare tactics — they're from the CDC, Federal Reserve, Census Bureau, Social Security Administration, and peer-reviewed health-economics research. Insurance Genius is built around closing the gap they reveal.
Two-thirds of US bankruptcies have a medical cause.
A Harvard study published in the American Journal of Public Health found that ~66.5% of all US bankruptcies were tied to medical issues — bills, lost income, or both. Most of those families had insurance. They just didn't understand it.
Source: Himmelstein, D.U., et al. (2019), Medical Bankruptcy: Still Common Despite the Affordable Care Act, American Journal of Public Health.
~25 million Americans had no health insurance last year.
The US Census Bureau reports approximately 25.3 million Americans went without health coverage at any point in 2023 — including 4.2 million children. Insurance Genius starts the literacy that keeps your kid out of that number.
Source: U.S. Census Bureau, Health Insurance Coverage in the United States: 2023 (Current Population Survey).
42% of US adults have no life insurance at all.
The LIMRA / Life Happens Insurance Barometer Study reports that more than 4 in 10 American adults carry zero life insurance. Of those who do, half say they don't have enough. The decision usually gets made under pressure — not preparation.
Source: LIMRA & Life Happens, 2024 Insurance Barometer Study.
1 in 4 of today's 20-year-olds will be disabled before retirement.
According to the Social Security Administration, more than a quarter of today's 20-year-olds will become disabled and unable to work before reaching retirement age. Yet most US workers carry no disability insurance — the policy Episode 06 teaches your kid not to skip.
Source: Social Security Administration, SSA Fact Sheet; corroborated by Council for Disability Awareness.
37% of US adults can't cover a $400 emergency in cash.
The Federal Reserve's annual Economic Well-Being survey finds ~37% of US adults would have to borrow, sell something, or simply not pay a $400 surprise expense. Insurance is the structural answer to that fragility — if you understand which policy to buy.
Source: Federal Reserve, Economic Well-Being of U.S. Households in 2023 (SHED Report).
Getting 3 quotes saves the average buyer ~22%.
Insurance Information Institute & J.D. Power studies consistently find that auto and home insurance shoppers who compare at least three quotes save 15–25% versus auto-renewing. Episode 10 (Quote It) makes this a kid-level habit.
Sources: Insurance Information Institute (III); J.D. Power U.S. Auto Insurance Shopping Study.
No banking app teaches this. No school district does either.
Insurance literacy is the gap nobody else is closing. Schools don't require it. Banking apps don't touch it. Industry-sponsored materials are conflicted by design.
School-only insurance unit
- Free but teacher-led only
- No parent companion guide
- No K–8 scaffold
- Not designed for home learning
- Insurance is 1 unit of 11
School-funded ed-tech
- Sponsored by financial institutions
- Light insurance module
- Banking-product-friendly framing
- No mentor-led video lessons
- No printable family materials
Zero insurance content
- Banking + chore-allowance apps
- No insurance education whatsoever
- Subscribers learn insurance the hard way
- The biggest gap in their curriculum
- No K–12 progression
The only K–12 insurance curriculum
- 12 mentor-led video lessons, 5 policy types
- 3 PDFs per episode (Student / Parent / Teacher)
- K–2 / 3–5 / 6–8 / 9–12 scaffolded
- Real-policy read-along + 3-quote exercise
- Independent: no carrier or broker sponsorship
- Closes the gap schools and banks both leave open
Don't let your kid learn this the hard way.
12 episodes. 36 worksheets. Five policy types. One real-policy read-along. One $9.99/mo family membership covers every kid in your house.
Lock in All-Access · $9.99/mo or $49.99/yr →7-day money-back guarantee · cancel anytime · one membership covers your whole family