Term, ordinary, endowment and universal life insurance products, incidents of ownership, irrevocable life insurance trust agreements, corporate-owned life insurance, split-dollar arrangement, key person insurance, cross-purchase/redemption insurance, partnership-owned life insurance, group term life insurance, application of transfer for value rule, investor-owned life insurance; review product design, hidden costs, assessing guarantees, illustrations, guaranteed values vs. projected values, evaluation of policy performance, present value of outlay, internal rate of return on cash value, internal rate of return at death.