THE GIFT OF TIME

Financial consultancy and insurance consultancy; Financial consultation in the field of annuities and life insurance; Financial advice and consultancy services; Insurance services, namely, underwriting, issuing and administration of life insurance; Underwriting, issuance and administration of annuities

Education services, namely, providing conferences, teleconferences, web-casts, workshops and mentoring in the fields of professional development, practice development and market development in the insurance and/or investment industries with particular focus on life and annuity markets and issues