课程: Financial Basics Everyone Should Know

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The basics of insurance

The basics of insurance

课程: Financial Basics Everyone Should Know

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The basics of insurance

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- [Educator] If you buy one lottery ticket every day, forever, for the rest of your life, it's very likely you'll be a net loser over your lifetime. Yet, people still play the lottery even though they know this intuitively. Why? Why is that? The answer is they want exposure to what's called positive skew. Being a small amount less wealthy every year in exchange for the chance, albeit a small one, at a very large payoff. Insurance is the opposite of it. People pay an insurance company even though they know on average that they're never going to need the insurance company. Also, that they can avoid the risk of having a very large loss at some point during their lives. And that's how insurance fits into your personal finances. Insurance is related to this idea called risk aversion. Risk aversion means that investors want to avoid risk and are willing to pay a premium to ensure they are protected in the event of a big loss or tragedy. For instance, think about the example of carrying home…

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