Life Insurance Planning

What You Will Learn

• 1 Learn how life insurance planning supports financial security for individuals and families.
• 2 Understand the key types of life insurance policies and their structural differences.
• 3 Apply human life value and needs-based approaches to determine appropriate coverage amounts.
• 4 Analyze underwriting criteria and health classifications that affect policy approvals.
• 5 Create a policy selection framework that balances cost, benefits, and client objectives.
• 6 Explore common policy riders and their impact on coverage flexibility.
• 7 Evaluate tax implications of life insurance premiums, cash value growth, and death benefits.
• 8 Implement life insurance strategies for estate liquidity and wealth transfer.
• 9 Manage the claims process and beneficiary designation considerations.
• 10 Comply with regulatory frameworks including suitability standards and disclosure requirements.