Pāhonoa te oro

Alright—welcome back. In this episode, we’re breaking down the core principles of insurance, but not in a dry textbook way. We’re going to make this practical—like stuff you’d actually see in real life, on the road, at home, or in your bank account. Let’s get into it. 🔹 1. What Is Insurance? At the simplest level, insurance is transferring risk. Instead of you taking a huge financial hit alone, you pay a smaller amount—called a premium—and the insurance company takes on that risk. Real-l