Insurance 101 - What Kinds Are There and How Do Your Clients Collect?

I.  Insurance 101 - types of policies, available coverages, what assets does it provide in a case.

II.  What's it Mean to You? - How do you access policies; can you cash out policies?  What kind of governmental claims may be able to get coverage and how do you keep payouts from going elsewhere; defenses the insurance companies can use to keep you from collecting and how can you beat them.