In the 21st century insurance is one of the industry that improves the economic growth of the country and the educators on the other hand, is considered one of the nations builders. This study focused on the perspective of the educators about insurance in the 21st century, specifically the awareness, willingness, and reasons for not having any insurance plan. The respondents of this study were the 42 educators of the Nueva Ecija University of Science and Technology, San Isidro Campus, San Isidro, Nueva Ecija, Philippines 3106. This study used a descriptivequantitative research design with the used of researchers-made open-ended questionnaire. The result shown that educators in the 21st century are fully aware of the benefits and necessity of insurance, however, educator's perspective in terms of willingness is vague or uncertain, thus, shows that awareness of the educators is not enough to compel them by insurer to take an insurance plan. The reasons for these are their low trust on the credibility of the insurance company in the Philippines, and that they see an insurance as an expense rather than an investment.

Keywords : 21st Century, Insurance, Educators, Perspectives, Healthcare Coverage, Life Insurance.