This course surveys life and health insurance principles and concepts common to all state producer licensing exams, giving students the relevant information they need to help pass the exam on the first try. The text is intended as a comprehensive introduction to life and health insurance. Topics include insurance contracts, life insurance policies, premiums and proceeds, underwriting and policy issue, group life insurance, annuities, retirement plans, health providers and Medicare, medical expense insurance, disability income insurance, accidental death and disability insurance, health insurance policy provisions, health insurance policy underwriting and premiums. The text features interactive learning aids that enhance the user’s understanding of key concepts and improve retention. Hundreds of questions with rationales and a final exam are also included within the text.

To accurately prepare for the state licensing exam, Dearborn strongly recommends studying this License Exam Manual with the appropriate State Law Guide.