Our comprehensive industry guide for financial services professionals examines life, accident and health insurance from multiple viewpoints in or order to prepare individuals for their state's insurance licensing examinations. Providing a thorough overview of individual and group life and health insurance, life and health insurance products and a complete summarization of insurance company operations and regulations, this manual covers it all in an easy to read format. Additionally, chapters are devoted to the uses of life and health insurance in personal and business planning and government and employee benefit plans. This is also an outstanding reference manual for financial planners, salesmen, actuaries, investment managers, attorneys, CPAs and other financial services professionals.