Moneyling NS-12 Managing Risk Course

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About the Course

Life is full of risks — but financial loss doesn’t have to be one of them.
In Moneyling: Managing Risk, students explore how to protect themselves, their families, and their futures from unexpected events that could lead to financial hardship. Through engaging, story-based lessons, learners experience how everyday choices—like buying insurance, driving safely, or protecting personal data—affect their long-term financial well-being.

Cari compares health insurance plans and learns how deductibles and co-pays influence costs. Richie explores auto and renter’s insurance and discovers how safe habits can lower premiums. Amelia studies how life and disability insurance safeguard income and dependents. Beatriz investigates identity theft and fraud prevention, learning how to respond if personal data is compromised. Mallory examines unemployment and government assistance programs that help during economic downturns. Marquis learns to evaluate extended warranties, understanding when protection plans make sense—and when they don’t.

Aligned with all NS-12 Managing Risk standards, this course equips students to identify, assess, and manage personal financial risks with confidence. By connecting real-world examples to foundational concepts, Moneyling: Managing Risk empowers learners to make proactive decisions that protect their income, assets, and peace of mind.

The information presented in this course is for educational purposes only and is not intended as financial, investment, or legal advice. Students should not interpret any examples or scenarios as recommendations to buy, sell, or hold specific securities or financial products. Past performance does not guarantee future results. Participants are encouraged to consult a qualified financial advisor or professional before making any personal investment decisions.

Course Information

Categories:

Moneyling’s Content Team

Authors

Jennifer Degenhardt
Story-Based Curriculum & Classroom Integration
Author
Muhammad Ilyas Saeed
Financial Curriculum Creator
Author
Savanha Brubaker
Quality Control, Embedded Tools & Application
Author
Arman Kakar
Financial Curriculum Creator
Author

Editors

Elizabeth Eneadanu
Copyediting & Content Quality
Editor
Bredah W.
Copyediting & Content Quality
Editor
 

Course

$179.99
per year
1 year of access

  • Comprehensive Educator LMS setup with ready-to-teach lessons, auto-grade quizzes, and built-in calculators for exploration. 

    Covers up to 70 students per subscription.

    Please note: Instructor Dashboard, quizzes, and assignments are not available during the trial period.

TRIAL $9.99
for 1 week
Enroll Now

Willingness to Accept Risk – NS Managing Risk 12-1

Risk NS Managing Risk 12-1
0
Understanding Risk and Insurance Costs – NS Managing Risk 12-1
0
Evaluating Insurance Premiums: NS Managing Risk 12-1a
0
Life, Health, and Disability Insurance for Young Adults: NS Managing Risk 12-1b
0

Factors Influencing Insurance Decisions – NS Managing Risk 12-2

Insurance Purchase Considerations – NS Managing Risk 12-2
0
Characteristics Influencing Insurance Decisions: NS Managing Risk 12-2a
0
Insurance Recommendations Based on Personal Characteristics: NS Managing Risk 12-2b
0

Mandatory Insurance – NS Managing Risk 12-3

Understanding Mandatory Insurance Requirements – NS Managing Risk 12-3
0
Homeowners’ Insurance Requirements: NS Managing Risk 12-3a
0
State-Mandated Auto Liability Coverage: NS Managing Risk 12-3b
0
Minimum Auto Liability Insurance: NS Managing Risk 12-3c
0

Factors Reducing Insurance Premiums – NS Managing Risk 12-4

Lowering Insurance Costs – NS Managing Risk 12-4
0
Factors Reducing Auto Insurance Premiums: NS Managing Risk 12-4a
0
Impact of Safe Driving Courses: NS Managing Risk 12-4b
0
Pros and Cons of Higher Deductibles: NS Managing Risk 12-4c
0

Health Insurance – NS Managing Risk 12-5

Health Insurance Coverage – NS Managing Risk 12-5
0
Employer vs. Private Health Insurance: NS Managing Risk 12-5a
0
Cost of Health Insurance vs. Consequences of No Coverage: NS Managing Risk 12-5b
0
Deductibles and Coinsurance Rates: NS Managing Risk 12-5c
0

Disability Insurance – NS Managing Risk 12-6

Understanding Disability Insurance – NS Managing Risk 12-6
0
Comparing Disability Coverage: NS Managing Risk 12-6a
0
Evaluating Financial Need for Disability Insurance: NS Managing Risk 12-6b
0

Property and Liability Insurance – NS Managing Risk 12-7

Coverage for Property and Liability – NS Managing Risk 12-7
0
Types of Losses Covered: NS Managing Risk 12-7a
0
Liability Situations: NS Managing Risk 12-7b
0
Factors Affecting Insurance Costs: NS Managing Risk 12-7c
0

Life Insurance – NS Managing Risk 12-8

Benefits of Life Insurance – NS Managing Risk 12-8
0
Financial Losses Due to Death: NS Managing Risk 12-8a
0
Costs and Benefits of Life Insurance: NS Managing Risk 12-8b
0

Public Insurance Programs – NS Managing Risk 12-9

Government Programs for Economic Hardship – NS Managing Risk 12-9
0
State Unemployment Programs: NS Managing Risk 12-9a
0
Medicare vs. Medicaid: NS Managing Risk 12-9b
0

Insurance Fraud – NS Managing Risk 12-10

Understanding Insurance Fraud – NS Managing Risk 12-10
0
Examples of Insurance Fraud: NS Managing Risk 12-10a
0
Legal Consequences of Insurance Fraud: NS Managing Risk 12-10b
0

Identity Theft and Privacy Risks – NS Managing Risk 12-11

Preventing Identity Theft and Fraud – NS Managing Risk 12-11
0
Vulnerabilities to Identity Theft: NS Managing Risk 12-11a
0
Protecting Sensitive Information: NS Managing Risk 12-11b
0
Strategies to Prevent Identity Theft: NS Managing Risk 12-11c
0
Steps for Identity Theft Victims: NS Managing Risk 12-11d
0

Extended Warranties and Service Contracts – NS Managing Risk 12-12

Evaluating Extended Warranties – NS Managing Risk 12-12
0
Costs and Benefits of Extended Warranties: NS Managing Risk 12-12a
0
Comparing Warranties to Insurance: NS Managing Risk 12-12b
0
Course Review
0

Enroll Now

Course Outline

  • Willingness to Accept Risk – NS Managing Risk 12-1
    • Risk NS Managing Risk 12-1
    • Understanding Risk and Insurance Costs – NS Managing Risk 12-1
    • Evaluating Insurance Premiums: NS Managing Risk 12-1a
    • Life, Health, and Disability Insurance for Young Adults: NS Managing Risk 12-1b
  • Factors Influencing Insurance Decisions – NS Managing Risk 12-2
    • Insurance Purchase Considerations – NS Managing Risk 12-2
    • Characteristics Influencing Insurance Decisions: NS Managing Risk 12-2a
    • Insurance Recommendations Based on Personal Characteristics: NS Managing Risk 12-2b
  • Mandatory Insurance – NS Managing Risk 12-3
    • Understanding Mandatory Insurance Requirements – NS Managing Risk 12-3
    • Homeowners’ Insurance Requirements: NS Managing Risk 12-3a
    • State-Mandated Auto Liability Coverage: NS Managing Risk 12-3b
    • Minimum Auto Liability Insurance: NS Managing Risk 12-3c
  • Factors Reducing Insurance Premiums – NS Managing Risk 12-4
    • Lowering Insurance Costs – NS Managing Risk 12-4
    • Factors Reducing Auto Insurance Premiums: NS Managing Risk 12-4a
    • Impact of Safe Driving Courses: NS Managing Risk 12-4b
    • Pros and Cons of Higher Deductibles: NS Managing Risk 12-4c
  • Health Insurance – NS Managing Risk 12-5
    • Health Insurance Coverage – NS Managing Risk 12-5
    • Employer vs. Private Health Insurance: NS Managing Risk 12-5a
    • Cost of Health Insurance vs. Consequences of No Coverage: NS Managing Risk 12-5b
    • Deductibles and Coinsurance Rates: NS Managing Risk 12-5c
  • Disability Insurance – NS Managing Risk 12-6
    • Understanding Disability Insurance – NS Managing Risk 12-6
    • Comparing Disability Coverage: NS Managing Risk 12-6a
    • Evaluating Financial Need for Disability Insurance: NS Managing Risk 12-6b
  • Property and Liability Insurance – NS Managing Risk 12-7
    • Coverage for Property and Liability – NS Managing Risk 12-7
    • Types of Losses Covered: NS Managing Risk 12-7a
    • Liability Situations: NS Managing Risk 12-7b
    • Factors Affecting Insurance Costs: NS Managing Risk 12-7c
  • Life Insurance – NS Managing Risk 12-8
    • Benefits of Life Insurance – NS Managing Risk 12-8
    • Financial Losses Due to Death: NS Managing Risk 12-8a
    • Costs and Benefits of Life Insurance: NS Managing Risk 12-8b
  • Public Insurance Programs – NS Managing Risk 12-9
    • Government Programs for Economic Hardship – NS Managing Risk 12-9
    • State Unemployment Programs: NS Managing Risk 12-9a
    • Medicare vs. Medicaid: NS Managing Risk 12-9b
  • Insurance Fraud – NS Managing Risk 12-10
    • Understanding Insurance Fraud – NS Managing Risk 12-10
    • Examples of Insurance Fraud: NS Managing Risk 12-10a
    • Legal Consequences of Insurance Fraud: NS Managing Risk 12-10b
  • Identity Theft and Privacy Risks – NS Managing Risk 12-11
    • Preventing Identity Theft and Fraud – NS Managing Risk 12-11
    • Vulnerabilities to Identity Theft: NS Managing Risk 12-11a
    • Protecting Sensitive Information: NS Managing Risk 12-11b
    • Strategies to Prevent Identity Theft: NS Managing Risk 12-11c
    • Steps for Identity Theft Victims: NS Managing Risk 12-11d
  • Extended Warranties and Service Contracts – NS Managing Risk 12-12
    • Evaluating Extended Warranties – NS Managing Risk 12-12
    • Costs and Benefits of Extended Warranties: NS Managing Risk 12-12a
    • Comparing Warranties to Insurance: NS Managing Risk 12-12b
    • Course Review
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