HS 323: Individual Life Insurance

Resource Material: ID# 1000957
Price: $295.00
About This Course:
This course introduces you to the concepts of individual life insurance products.

This concise and focused study guide covers:

  • Executive summaries of the text
    • The Basics of Life Insurance
    • Life Insurance Contracts and Annuities
    • Whole Life Insurance Variations
    • Sales Illustrations, Surrender Options, and Needs Analysis
    • Policy Settlement Options
    • Mortality and Interest Factors of Life Insurance
    • Life Insurance Net Premiums and Reserves
    • Computing Gross Premiums and Modified Reserves
    • Policy Surrender Values, Surplus, and Dividends
    • Life Insurance Underwriting
    • Underwriting Substandard Risks and Reinsurance
    • Life Insurer Types and Life Insurance Marketing
    • The Financial Statements of Life Insurance
    • Life Insurer Investments
  • You also will receive a Bonus Book containing:
    • Definitions of Key Words and other relevant definitions
    • Sample Diagnostic Exam
    • Answers to Sample Exam (with explanations!)

Our materials summarize and outline the fundamental concepts of the program, and provide you with to-the-point, time-saving executive summaries to maximize your learning, retention, and pass rates.

In fact, surveys from our customers demonstrate the exceptional value of our program. Specifically, candidates report that:

  • Our Course Guides covered virtually everything on their exams
  • They spent significantly less time preparing for their exams
  • They attained much higher pass rates - 93.3% - compared to other preparation methods!


Burnham's preparation materials have played a key role in helping me to prepare for several exams. Ray's materials help you to organize all of the information and help you to focus on the critical points. This method has helped me to learn the material more effectively ... at a much faster pace. Ray is passionate about his work, and he unequivocally guarantees that you will be satisfied. Thanks for caring Ray ... you and your materials are AWESOME!!
- Charles Boornazian

In the past 2 1/2 years I have completed the INS, API, AIS, and CPCU. I previously had completed INS 21 and 22 before using your study method; I began using The Burnham System with INS 23. I must say that your program with guaranteed results definitely works. In today's society it is very refreshing to receive and use a product that is better than the promise. Your system minimized my study time, which allowed me to focus on the key points. The cost versus results is immeasurable. I appreciate your contribution to the industry,
- Winston Letterman

The INS 23 is the 3rd course that I'll be using your study guides with. I'm HOOKED!!! I appreciate the way you explain the material in layman's terms. Since you have made it easier, I'm looking forward to possibly delving into some other applicable courses as well. Thanks again!!!!
- Mary Malone

Note: This course is required for the CLU Program. It may be taken independently for professional development or in conjunction with other courses to earn the CLU designation. Click on this hyperlink for a full description of the designation.

How To Access Your Course Materials

Upon ordering, you will receive an email from the course presenter with instructions for downloading your course materials.
HS 323: Individual Life Insurance
Price: $295.00
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