The life policies are life insurance policies and annuities. The health policies include major medical, for individuals, families or groups. We offer health supplements, Medicare supplements, Medicare prescription Drug Plan Part D.   We also sell short-term medical and International Global Health Insurance for people traveling outside of their homeland. Short-term health policies are terrific for people just graduating from school, in between jobs or in between regular coverage starting.  Short-term health policies are also good for people that are almost 65 and waiting for their Medicare supplements to start.