Consulting and information concerning insurance; Financial advice; Financial advice and consultancy services; Financial advice, namely, budget planning; Financial advisory and consultancy services, namely, the creation of personalized strategies to achieve financial independence; Financial planning; Financial planning for retirement; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial retirement plan consulting services; Financial services, namely, life insurance settlement services; Insurance consultation; Insurance services, namely, viatical settlement services, life settlement services for insurance policyholders, and senior settlement services for insurance policyholders; Life insurance brokerage; Providing information about healthcare insurance plans; Providing insurance premium rate quotes via on-line, telephone and mail means