Insurance and financial services provided locally, remotely and over the Internet, the world wide web and via computer and data communications networks, namely providing all types of information necessary to select, qualify for, provide quotations for, issue and administer insurance policies and handle insurance claims; providing general information about life, health, auto, property, personal, homeowner, business and other types of insurance; providing general information and recommendations about insurance to prospective and current customers, and to insurance agents to provide to customers; facilitating electronic insurance transactions between insurance carriers and consumers and business customers by collecting and providing all types of information necessary to select, qualify for, provide quotations for, issue and administer insurance policies and handle insurance claims; insurance agency and insurance brokerage services; providing insurance advice to consumers and businesses; providing information about insurance products, and selling life, health, auto, property, personal, homeowner, business and other types of insurance offered by others; offering insurance information and criteria, underwriting information and criteria and risk selection criteria, and rate filing, policy servicing and renewals, claims handling and claims payments; providing insurance information, namely information about participating physicians, providers and insurance benefits via a global computer network; providing medical insurance and health insurance information and other insurance benefit programs and claims administration via the Internet, the world wide web and via computer and data communications networks