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ADVISORY SERVICES IN THE FIELD OF EMPLOYEE BENEFITS FOR GROUP HEALTHCARE AND BUSINESS INSURANCE OFFERED TO EMPLOYEES IN ADDITION TO STANDARD BENEFITS SUCH AS MEDICAL, DENTAL, LIFE INSURANCE INCLUDING SHORT TERM DISABILITY, LONG TERM DISABILITY, CANCER INSURANCE, ACCIDENTAL DEATH AND DISMEMBERMENT; CONSULTING SERVICES IN THE FIELD OF STATE AND FEDERAL EMPLOYEE BENEFIT PLANS CONCERNING INSURANCE AND FINANCE; INSURANCE CONSULTATION; INSURANCE BROKERAGE; INSURANCE INFORMATION