Because the future is unknown, people must plan for it in the present. Life and health insurance can help consumers with their plans for the furture. Life insurance insures against one risk, the risk of death, and health insurance insures against many risks that could impact a person's health or quality of life. 

This course provides a broad survey of the key aspects of life and health insurance, including the many varied types of policies, their provisions, their uses and the needs they serve. Rather than an in-depth examination of these elements, this course offers the necessary overview for further understanding of the wide-ranging life and health arena.

Upon completion of this course, students will be able to:

• cite the major forms of life and health insurance policies and their provisions
• summarize the needs for and uses of life insurance, annuities, and health insurance, for individuals and for businesses
• describe the basics of group life and group health insurance plans, and how private insurance plans can support state and federal programs
• understand the different types of beneficiaries and beneficiary designations
• explain the basics of life and health insurance underwriting
• understand the different forms of insurance companies
• demonstrate knowledge of the insurance claims process