As the money available for public pensions decreases, private investors are attempting to protect their futures by investing in life insurance and retirement plans. This trend has been a boon for insurance companies, which have been innovative in developing new products that address the needs of investors. But the wide range of "life" and pension products offered today is often difficult for investors and financial service professionals to understand. This course describes the details of the life insurance and pension products that are common in today's markets.