This course has been designed to increase and reinforce producer’s knowledge of licensing requirements, their acceptable behavior and conduct in the marketing of insurance. It reviews the features of life insurance and the various choices that the consumer has in products. With our growing senior populations, we cover the annuities and how they fit into good planning. We also address the role of Social Security and its benefits. The need, features, and provisions of disability insurance are covered in greater detail. Many producers lack an understanding of health insurance, its provision, options and riders and it gets covered in detail as well. Finally we finish with Long Term Care and the need of the producers to understand demand and the available products and alternatives.