Insurance Fundamentals of Life & Health Insurance

Life and health insurance are the cornerstones of protection for the financial future of individuals, families, and businesses. This book is designed to provide a foundational understanding of the mechanics of life and health insurance products, with topics that include:   Life Insurance: Even with life insurance annual premiums of $150 billion per year, the market remains underserved, with only 54% of Americans currently covered by life insurance. Standards such as whole life insurance are still popular, and the industry has continued to innovate with products such as variable life insurance, level term life insurance, and return of premium. Life & Health Fundamentals explains all the different options available, in easy-to-comprehend terms.  Health Insurance: The Affordable Care Act (ACA) may have changed the way consumers purchase health insurance, but not the fact it is needed and used frequently. Learn the requirements and limitations of the ACA, as well as the alternatives av