Providing temporary use of online non-downloadable software for health and mortality risk analysis in the field of life insurance; providing temporary use of online non-downloadable software for modeling, reporting, scoring, managing, and assessing data in the fields of life insurance and mortality risk; providing temporary use of online nondownloadable software featuring health and mortality risk appraisals, self-assessments, calculators, and goal tracking in the fields of health, wellness, and life insurance; providing temporary use of online non-downloadable software for assessing and tracking personal information, medical information, wellness information, life insurance policy and underwriting information, and life insurance benefits and claims; providing temporary use of online non-downloadable software that provides users' personalized health and mortality risk analyses; providing temporary use of online non-downloadable software for database management in the fields of insurance coverage analysis and insurance policies