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Why Invest? Invest educates high school and college students about insurance and the wide variety of careers in the industry. For more than 50 years, Invest volunteers have been in the classroom dispelling the age old myth that the insurance industry is old, boring and doesn’t lead to a rewarding career. Through a hands-on education approach with…

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What is Risk? Risk exists whenever there is uncertainty about outcome. If you knew for certain that you would become a millionaire by purchasing the stock of a particular company, there would be no risk involved in investing. Likewise, if you knew that you would never be involved in an automobile accident, you would likely not…

Law of Large Numbers Insurance companies use the law of large numbers to estimate the losses a certain group of insureds may have in the future. For example, using statistics, an Actuary looks at losses that have occurred in the past and predicts that in the future approximately two out of 100 policyholders will have a claim.…

How Insurance Works Insurance is available to help you pay for damage to your property or to pay others on your behalf when you injure someone or damage their property. Insurance is a contract that transfers the risk of financial loss from an individual or business to an insurance company. They collect small amounts of money…