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🧪 Insurance Planning Simulation

Interactive Monte Carlo simulator of household insurance planning: tune the deductible, coverage limit and claim frequency and watch a cohort of households' wealth evolve year by year, with live premium pricing, ruin-rate and expected-wealth readouts.

Financial Models & Markets2DModerate60 FPS📱 Mobile-adapted

This simulation demonstrates the core principles of insurance planning: risk assessment and diversification through insurance products. A cohort of 240 households, each carrying its own random claim history, is simulated year by year in real time — pick a deductible, a coverage limit and a safety loading and watch the actuarially fair premium reprice itself instantly, then track how that policy design shapes the cohort's wealth distribution and ruin rate compared to going without coverage at all.

⚙ Under the hood

This simulation demonstrates the core principles of insurance planning. Users will learn about risk assessment and diversification strategies to manage financial risks effectively through various insurance products.

Insurance Planning

2D · HTML5 Canvas 2D · 60 FPS target · runs fully client-side, no install