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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; Assessing insurance claims; Brokerage in the field of insurance; Consulting and information concerning insurance; Financial advisory and consultancy services; Financial consultancy; Financial consultancy and insurance consultancy; Financial consultation; Financial consulting; Financial planning; Financial planning consultation; Financial services, namely, providing an investment option available for variable annuity and variable life insurance products; Insurance agencies; Insurance agencies in the field of employee benefits; Insurance agency and brokerage; Insurance and financial information and consultancy services; Insurance brokerage; Insurance brokerage services; Insurance claims processing; Insurance consultancy; Insurance consultancy services, namely, providing advice in the field of property and casualty insurance; Insurance consultation; Insurance information; Insurance information and consultancy; Insurance premium rate computing; Insurance services, providing premium rate quotes via on-line, telephone and mail means; Life insurance brokerage; Providing information in insurance matters; Providing information in the field of employee financial benefit plans; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network; Providing vehicle insurance rate quotes