Downloadable mobile applications and downloadable software in the nature of a mobile application for use in the field of insurance to allow document upload, rate calculations and mobile payments, and for use in insurance underwriting to determine what type of insurance product can be sold to the potential customer

Insurance services, namely, underwriting, issuing and administration of life, health and accident insurance; insurance services, namely, underwriting life insurance and riders thereof, via means of immediate point-of-sale underwriting decisions rendered via a phone-based application and interview service; providing insurance premium rate quotes via telephone; pre-paid funeral expense services; estate trust management; annuity services, namely, account and investment administration