Business consulting services and accounting services provided to insurance companies, employers and reinsurers in the field of disability management and in the management of employee benefits, employee work policies, employee physical demands analysis, employee absenteeism and employee and supervisor incentive programs; and providing an on-line computer database featuring information in the fields of business management and personnel management, employee workplace policies, employee physical demands work analysis to determine worker skill sets and other worker requirements, employee absenteeism, and employee and supervisor incentive programs to promote job safety, quality and productivity

Providing an on-line computer database featuring information in the field of the administration of disability insurance policies and the administration of employee benefit plans; providing insurance claims processing and management services; actuarial services; insurance and reinsurance administration and management of insurance administration services; risk management services in the field of disability insurance and reinsurance; providing disability insurance underwriting and issuing corresponding insurance policies for and on behalf of other insurance companies and individuals; insurance consultation; and providing information in the field of insurance, namely information on insurance costs, quotes, estimates and other related information