text: ins edu is a need at an early age, why is ins not a required class in h.s and college? most people dont understand insurance and it purpose so at an early age we should teach people so that they can make educated decision on what they need to have in place for there familys in the event of an tragedy. we as a people have seen one of this country worst disaster and we still dont understand people don't  under stand insurance. what is the difference between a term and a whole life policy ,or what can be covered on a policy. this is a valueable education that needs to be taught at an early age so that we get the basic fundamentals and under standing of state law and federal regulations at an early age. there is know way to stop a natural disaster but we can prepare for the future through education. well, most people should learn how to handle money, and learn why credit is really voluntary servitude, but they don't teach that in school, either.  at some point in time, you have to draw a line about what is proper for the school to teach, and what the parents/family have to teach.  basic hygiene, money matters, religion, etc, are all really the responsibility of the parent, not the school.    our schools do a rotten enough job trying to teach reading, math, and basic sciences.   i don't think they can handle anything else.