Downloadable computer software for smartphones, tablet computers, smart watches and wearable activity trackers, namely, software for tracking, processing, storing, displaying, measuring and transmission of a user's fitness, exercise and workout data and information including time, date, heart rate, global positioning, direction, distance, altitude, speed, steps taken, calories burned, navigational information, temperature and changes in heart rate, and software for providing rewards in the nature of earning and awarding of insurance coverage based on a user's activity

Providing online health and life insurance brokerage services, and providing information about health and life insurance coverage earned by a user's fitness, exercise and workout data