life insurance underwriting, health insurance underwriting, including; group medical, long and short term disability, dental, vision, hearing, accidental death and dismemberment; life and health insurance in the fields of individual and group life insurance, individual and group disability (long & short term), group medical, including medical benefits; dental, vision, hearing, Cobra; insurance claims administration for life, disability and medical products, both manual and electronic underwriting for prepaid health care; administration of employee benefit packages for large and small groups, for life, health, disability, AD&D and Cobra; individual and group deferred flexible and single premium annuity issue, (underwriting) and administration; individual immediate annuity issue/underwriting and administration; underwriting, issue and administration of structural settlements