INSURANCE CLEARING CORPORATION

design of proprietary individual and group life and medical insurance products; distribution of proprietary and non-proprietary individual and group life and medical insurance products through numerous distribution systems, including, but not limited to, general agency, personal producing general agency, brokerage, captive sales force, banks, investment companies, consultants, accounts and accounting firms, and layers; processing of policy applications; underwriting of policy applications; assessing risk; recruiting, appointment, and training of licensed insurance agents and other personnel to provide insurance services to the public