life insurance services including the sale of life insurance products, the life insurance is designed to provided, for the first time, for the coverage of the entire family on the same policy, two or more family members will be insured on one non-renewable policy, on the death of an insured, the named beneficiary is paid a death benefit and the policy continues for the remainder of the policy period for the remaining insured family members, the life insurance products are designed to be sold primarily by the applicant's agents