• 1) We want you to know that Financial Education is important, but that many other groups are better situated to design deliver and evaluate education than NAIC is.  
• We think NAIC's most important role in Retirement Security is to make sure that consumers can safely buy well-designed insurance products in stable insurance markets.
• ... NAIC should focus it's efforts on consumers who have fewer resources.

• 3) 4th Graders / 12th Graders
• Teachers are going to teach what they know and what they are interested in and Insurance will be one of the items that gets short changed....
• So..... this concept of Just in Time education ....suggests that it will be most effective after high school.

--  Brenda Cude, National Association of Insurance - Funded Consumer Representative, Professor - University of Georgia

• Knowledge lets consumers make rational decisions...
• However, as I say often, consumers do not make rational decisions....
• We know that knowledge is necessary to make a plan... so, that we can get the security we want in our lives.
• Our attitudes, our beliefs... they really come from our life experiences and they point us to different actions...

• National Endowment for Financial Education Task Force (College Level)

• Teachable Moments

2020 01 - NAIC - Retirement Security Working Group - Conference Call -  Brenda Cude / Kitt Presentation