This course is a 21 hour basic review course and 3 hours of Ethics course. A broad-based course that covers the essential aspects of individual life and health insurance. Course topics in the insurance portion of the course include: term, whole life, variable products, annuities, retiremement plans and products, major medical insurance, and disability income insurance. The basics of retirement planning are reviewed, along with IRAs. The course concludes with an examination of the changing world of health care coverage. Topics in the ethics portion of the course include essential laws, rules, and regulations in the Michigan insurance arena. Does NOT meet the Michigan Long Term Care requirement.