Millennials are the largest and most educatedgeneration in the U.S., and they’re changing the world like neverbefore. Which is why it’s surprising to learn that they are alsothe most underinsured generation, a striking fact which alsopresents a big opportunity for advisors.

Last year, a survey from InsuranceQuotes.comrevealed that roughly one in four adults aged 18 to 29 do not havehealth insurance. In addition, millennials are also the leastlikely age group to have other basic types of insurance like auto,life, homeowners, renters and disability.

To best market all types of insurance to millennials, it’simportant to first address the questions they have as well aseducating them on what they might not know. Being part of the mosteducated generation in the U.S. means that millennials are hungryfor knowledge, and that means they want to know all they can abouta product before they make a purchase.

Here are five important things this age group should know aboutinsurance.

1. That they need it.

It’s a simple enough fact, but one that many millennials quicklyoverlook: Do they feel they are just too young to have health orfinancial crises, don’t have enough assets to protect or feelinsurance is only for those more established? No matter what theirobjection is, the fact remains that everyone needs some type ofbasic insurance, and millennials are no exception.

2. That it can be affordable.

Just like their older, more established counterparts,millennials may be surprised to find that insurance rates on avariety of products are more than affordable – in some cases,just as much as a daily Starbucks run. Sometimes all it takes tosell someone on the idea of insurance is showing them the coverageand protection they can receive for the surprisingly low rate theywould be paying.

3. Insurance is a better support plan than relying onanyone else.

The millennial generation is also part of the “boomerang”generation, the trend of young adults moving back home aftercollege or relying on other types of family financial support.

This generation of young adults typically has parents who arewilling and able to help them out or bail them out of stickysituations. That may mean that because they have a safety net, theyare unaware on how insurance policies can help them. A traditionalinsurance policy is always a better answer than having to depend onfamily for financial assistance during tough times.

4. That there are more types of insurance than healthand life.

Some millennials may not own a home just yet, but instead theirmost precious possession is their brand new, must-have smartphone.Many millennials skip owning a car in favor of relying on Uber orrenting a car when necessary. Or maybe instead of going right intothe work force after graduation, they are planning a well-deserved,month-long European vacation.

There are plenty of other types of insurance that can be usefulfor their needs, such as renters insurance, smartphone or tabletprotection plans, travel insurance, rental car insurance and more.If traditional insurance like homeowners or auto insurance isn’tthe right choice for them, there are plenty of other types ofprotection that can fit their lifestyle and areaffordable.

5. Insurance can be easy to purchase.

Ease of purchase is critical for millennials. They are techsavvy and are more prone to quoting and buying online, getting what they need andgetting it as soon as possible, and aren’t interested in havingmeetings or being on long phone calls to discuss their options.Like many others, they may prefer interacting online via chat oremail and are more comfortable making the final purchase online.Giving millennials these self-service options are important.

Once you address these points, millennials will probably be muchmore likely to make the important insurance decisions to suit theirunique lifestyles.