The "CII: Introduction to Life & Health Insurance (R05/CF5 Style)" course is designed to deliver a thorough understanding of the fundamentals of life and health insurance. Beginning with the core principles of insurance and risk, the course introduces learners to the different types of life and health policies, including term assurance, whole of life assurance, endowments, private medical insurance, and income protection plans. It explains how these products meet varying client needs at different life stages, ensuring learners can match solutions accurately to real-world scenarios.

Throughout the course, learners will develop a solid grasp of risk assessment, underwriting, and claims processes, learning how medical, financial, and lifestyle factors influence insurance decisions. The legal and regulatory environment is also explored, including the importance of compliance with FCA rules, the application of principles like utmost good faith, and anti-money laundering requirements. A strong emphasis is placed on the ethical responsibilities of advisers, protecting client interests, and maintaining professional standards at all times.

The course also integrates client-focused financial planning skills, helping learners understand how life and health insurance fit into broader financial objectives. Techniques for conducting fact-finding interviews, analysing client needs, presenting insurance solutions, and offering ongoing policy review services are covered in depth. By combining theoretical foundations with applied advisory practices, this course ensures that learners are fully prepared for professional examinations and capable of delivering high-quality insurance advice in practice.