Health care related services, namely, wellness services, namely, providing health plan participants with information and incentives to motivate their participation in activities that promote health and reward healthy behaviors, and providing health and medical care information and benefit services information by means of a global computer network. Health related insurance services and products, namely, underwriting, administering, managing, and providing traditional and pre-paid health insurance plans, consumer driven health care plans, health reimbursement arrangements, medical savings account services, health benefit plan management services and pre-paid health insurance plans for the benefit of others; health care related services, namely, wellness services, namely, providing health plan participants with information and incentives to motivate their participation in activities that promote health and reward healthy behaviors, and providing health and medical care information and benefit services information by means of a global computer network. Application services provider, namely, providing, hosting, managing, developing, researching, analyzing, reporting, and maintaining applications, software and databases for others in the fields of employee life and health insurance and wellness programs. Providing assistance, incentive loyalty programs and reward programs, and consultation to businesses to help their employees make health, wellness and nutritional changes in their daily living to increase productivity and lower health care costs; provided, however, that all of the foregoing services specifically exclude financial services, credit and debit card services and payment solutions services, incentive loyalty programs and reward programs unrelated to life insurance, health insurance or medical insurance, identify theft identification and protection services, and bonus programs and promotional schemes associated with credit card services and payment solution services. Insurance underwriting and administrative services, namely, the underwriting and administration of life insurance, health insurance or medical insurance; healthcare financing; providing information in connection with the foregoing; issuing of tokens of value in relation to customer loyalty arrangements and programs exclusively related to life insurance, health insurance or medical insurance; provided, however, that all of the foregoing services specifically exclude financial services, credit and debit card services and payment solutions services, incentive loyalty programs, reward programs unrelated to life insurance, health insurance or medical insurance, identify theft identification and protection services, bonus programs and promotional schemes associated with credit card services and payment solution services. Providing wellness services, namely, providing health plan sponsors with information and methods for coordinating each health plan participant's plan participation costs with the level of such participant's engagement in behaviors that promote health and wellness; insurance services, namely, administration of health insurance; application service provider, namely, providing, hosting, managing, developing, researching, analyzing, reporting and maintaining applications, software and databases for others in the fields of employee health insurance and wellness programs. Pre-paid health plans offering wellness programs that reward members for participation in prevention, fitness, lifestyle and education activities. Health related insurance services and products, namely, underwriting, administering, managing, and providing traditional and pre-paid health insurance plans, consumer driven health care plans, health reimbursement arrangements, medical savings account services, health benefit plan management services and pre-paid health insurance plans for the benefit of others. Health care related services, namely, wellness programs and providing health and medical care information and benefit services information by means of a global computer network. Application service provider, namely, providing, hosting, managing, developing, researching, analyzing, reporting, and maintaining applications, software and databases for others in the fields of employee health insurance and wellness programs. Providing assistance, consultation to businesses to help their employees make health, wellness and nutritional changes in their daily living to increase productivity and lower health care costs. Business consultation to assist businesses in promoting employee awareness of the benefits of making health, wellness and nutritional changes in their daily living to increase productivity and lower health care costs; management of databases in the fields of wellness programs. Insurance underwriting and administration services for life insurance programs and health insurance programs which include a wellness program; Providing databases featuring information about insurance, namely, employee health insurance