Insurance carrier services; Insurance agency and brokerage; Employee benefits management, namely, processing, administering and managing employee benefit plans concerning insurance and finance; Insurance consulting in the field of health insurance, life insurance, insurance benefits plans, property and casualty insurance, and commercial property, casualty, cyber liability, executive liability, and mergers and acquisitions insurance; Insurance information and consultancy; Insurance actuarial services; Personal insurance risk management and personal insurance risk management consultation; Financial forecasting and insurance consultancy services, namely, predictive modeling and forecasting of commercial risk and insurance coverage needs; Insurance consultancy services, namely, advisory and risk assessment services in the field of employee benefits for business insurance offered to employees, specifically, medical, dental, and life insurance, short term disability, long term disability, and accidental death and dismemberment insurance; Financial consulting, namely, advisory and risk assessment services in the field of personal asset and personal income protection during long term disability