Insurance brokerage in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance actuarial services; Insurance administration in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance agencies in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance agency and brokerage; Insurance claims administration; Insurance claims processing; Insurance underwriting in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; A surrogate is one who takes the place of another; In the instant case, applicant provides insurance coverage and other coverage for the assisted reproduction process, or for insurance coverage for the surrogate who dies of a sudden and perhaps unforeseen death