Foundation Pro Course The Life and Health Agent Combo is the course you will need to obtain the Life, Accident, Health and Sickness Agent-Producer licenses. This license is required to sell life insurance, annuities, endowments, disability insurance, health related insurance and memberships in an HMO (Health Maintenance Organization). This material prepares you for the State's Life, Accident, Health and Sickness Agent-Producer exam. A licensee is a person authorized to act as a "life and health agent" which allows them to transact insurance coverage on human lives, endowments, annuities, accidental death, disability income, sickness, accidental bodily injury, as well as Long Term Care and Medicare Related insurance. This course does include Code and Ethics. The Code and Ethics in Insurance is a crucial aspect of maintaining the integrity and trustworthiness of the insurance industry. Insurance professionals, whether they hold various insurance licenses or work in different capacities within the industry, are expected to adhere to a set of ethical standards and a code of conduct. This code and ethics framework encompasses principles such as honesty, transparency, fairness, and confidentiality. Insurance professionals are obligated to act in the best interests of their clients, providing accurate information, and ensuring that clients fully understand their policies. They must also maintain the confidentiality of client information and avoid any conflicts of interest that could compromise the client-insurer relationship.