insurance services, namely, providing employed, unemployed, retired or self-employed individuals customizable insurance products as part of a general employer's sponsored or employer endorsed insurance program; pre-negotiated discounts on physician services, hospital expenses, prescription drugs, dental services, vision services, chiropractic care, hearing services; insurance underwriting for all types of insurance; medical and health insurance underwriting and administration; brokerage in the field of insurance; providing information in insurance matters; insurance consultation; and administration of a discount program for enabling participants to obtain discounts on physician services, hospital costs, prescription drug costs, dental services, vision services, chiropractic care, hearing services and access to help line through use of a discount membership card