Software as a service (SAAS) services featuring rules-based automation of insurance related transactions that occur in real-time, namely, automated customer acquisition, product display and policy purchase, billing and delivery of insurance and personal protection products for consumers, distributors (agents) and insurance companies; Software as a service (SAAS) services featuring software for the automation of insurance related transactions, namely, the automated transmission of product eligibility and account data to consumers, distributors and insurance companies that may be downloaded from our computer network, and the automated storage and ability to instantaneously view, download and print purchased plan information and product materials for consumers, distributors (agents) and insurance companies; information technology consulting services; Software as a service (SAAS) services for use in transactions management, workflow management, invoice and premium collection, commission calculation, financial systems integration, automated renewals notification, business intelligence reporting, and customer self service in the field of insurance