Business risk management and business risk management consultation; Business consulting, namely, advisory and risk assessment services in the field of programs intended to lower health care costs and increase business productivity through employee health and wellness

Insurance brokerage services; Commercial insurance agency and brokerage services; Insurance services, namely, insurance brokerages and insurance agencies in the field of Medicare, individual health, group health, and dental insurance; 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