STEM
RiskDojo
A rare disaster you can’t afford, swapped for a small cost you can — that trade is all insurance is, and it’s just maths. RiskDojo builds the whole idea from expected value up: the fair premium, the deductible, and the law of large numbers that lets a pool cover a rare big loss and still break even. Predict each number, then reveal the worked step — and run a pool yourself to watch adverse selection break it. Ages 15–18.
▶ Play it nowBuilt for sittings of about 25 minutes on the screen. That is our design budget, not a measurement.
#2f6f9f Characters who teach
Meet the cast
RiskDojo is for ages 15–18 — no illustrated cast; the 'characters' are the pieces of an insurance policy whose relationship IS the idea. The expected loss (value × chance) is the honest price of a risk and the floor under every premium. The premium is that expected loss plus a small loading — so it is a bit MORE than your average loss, because you are buying certainty, not a good bet. A deductible is the first slice of a loss you keep yourself, which lowers the premium. The pool is everyone's premiums together: priced fairly it breaks even by the law of large numbers, but under adverse selection — when only the high-risk buy at a low price — it bleeds, and the premium spirals. Every value is exact arithmetic computed on-device.
Expected loss
Value × chance — the long-run average cost of a risk and the floor under every premium; skip insurance and this is what the gamble costs you on average
The premium
The fair (pure) premium plus a loading for costs and a buffer; it is usually a bit MORE than your expected loss — you are buying certainty, not a good bet
The deductible
The first slice of a loss you cover yourself; a higher deductible lowers the insurer's expected payout, so it lowers your premium
The pool
Everyone's premiums together; priced fairly it breaks even by the law of large numbers, but it bleeds under adverse selection when only the high-risk buy
What's inside
Learning goal
A rare disaster you can’t afford, swapped for a small cost you can — that trade is all insurance is, and it’s just maths. RiskDojo builds the whole idea from expected value up: the fair premium, the deductible, and the law of large numbers that lets a pool cover a rare big loss and still break even. Predict each number, then reveal the worked step — and run a pool yourself to watch adverse selection break it. Ages 15–18.
How RiskDojo handles your kid's data
- ✅ All progress, settings, and AI-generated content stays on the device
- ✅ No analytics, no tracking, no third-party SDKs
- ✅ Free — no ads, no in-app purchases
- ✅ No personal information collected from children — in line with COPPA (updated by the 2026 FTC amendments)
- ✅ No chat with strangers — play-together rooms use a short code and preset emotes, never typed messages