life-health-insurance

What problem does it solve?

This skill consolidates core life and health insurance knowledge—underwriting, policy mechanics, claims, reinsurance, and regulatory context—into an accessible reference that supports decision-making and client education for non-specialists.

Core Features & Use Cases

• Explain life/health product families (term, whole, universal; major medical; Medicare/Medicaid overview) and market segments (individual vs group) to support product design discussions.
• Describe underwriting concepts (risk classes, evidence requirements, policy provisions) and claims processes (benefits administration, appeals) to guide proposal drafting and client conversations.
• Provide regulatory and governance context (NAIC, HIPAA/privacy basics, ACA overview) to assist risk/compliance teams in high-level planning and training.

Quick Start

Summarize the differences between term life and universal life, including key riders and exclusions for a client briefing.