Design and development for others of insurance policies, insurance policy provisions and insurance riders, and provision of insurance policies, insurance policy provisions and insurance policy riders that assure future insurability, future risk classification, or future availability of extended or expanded insurance coverage, or that permit or facilitate future extension of a term life insurance policy or future conversion of a term life insurance policy to a permanent life insurance policy, or that permit or facilitate future purchase of an additional, deferred, extended or expanded term life or permanent life insurance policy or a hybrid insurance policy thereof