Abstract: A game apparatus includes a game board arranged with a plurality of columns of insurance categories, with each category including a plurality of spaces corresponding to first through fifth faces of a second die member, with the second die member including a sixth lettering to indicate loss of turn. A first die member indicates type of category. Each player is afforded a predetermined number of markers with modified marker structure indicating addition or loss of premium relative to the spaces of each category. A player accumulating a least total relative to the insurance categories is declared the winner of the game procedure.