Insurance services, namely, brokerage, underwriting, administration and claims processing of life insurance, disability insurance, short-term care insurance, accident insurance, health insurance, dental and vision insurance, medicare supplement insurance, income replacement insurance; third-party administrator services for employee benefits programs, dependent-care reimbursement programs; medical reimbursement programs; administering health savings accounts and pre-tax benefit accounts

Providing temporary use of on-line, nondownloadable software for administering employee benefit programs that allow insurance carriers, brokers, third-party administrators, employees and organizations to manage, control and administer employee benefits via the Internet; Providing temporary use of on-line, nondownloadable software for performing cost and risk analysis, cost control analysis, and data analysis, modeling, reporting, and warehousing for use in employee benefits, by insurance carriers, brokers, employers, employees, managed care provider groups, self-insured employers, and third-party administrators; Providing on-line, non-downloadable, Internet-based software application for billing related to employee benefits