This course integrates both life and health insurance planning concepts and applications. You will learn how to apply life insurance planning to determine various approaches and recommendations. Additionally, you will be able to identify multiple uses for life insurance planning for both individuals and businesses and will be able to integrate planning techniques to provide death benefits in the event of premature death, wealth accumulation to pass on to the next generation, retirement planning to supplement income needs for retirement, buy/sell agreements for business owners, and estate planning to pay taxes or to gift death benefits to charity. Health insurance provides payment of benefits for the loss of income and/or the medical expenses arising from illness or injury. The rules and regulations surrounding health insurance in our society are constantly changing; you will gain an understanding of the current health system in our society and the rules that will affect the changes of our health care system in the future.