RETURN ON PROTECTION

insurance underwriting and administration services, namely, life insurance, disability insurance, dental insurance, accident insurance, health insurance and critical illness insurance; financial services, namely, investment management of and distribution of annuities; financial and insurance services, namely, administration and management of annuity contracts and consultation in the field of developing annuity products for others; insurance services, namely, administration of vision insurance; financial consultation, namely, mutual fund advisory services; mutual fund investment; establishing mutual funds for others; financial planning and investment advisory services; institutional investment management services, investment planning services, namely, investment consultation and advice; financial and annuity underwriting services, namely, underwriting and administering retirement plans, annuities, mutual funds and defined contribution plans; and offering individual retirement accounts for individual retirement