Providing the temporary use of non-downloadable life insurance, health insurance and annuity software for use by insurance underwriting and annuity professionals to conduct a financial needs analysis; Providing the temporary use of non-downloadable life insurance, health insurance and annuity contract illustration software for use by insurance underwriting and annuity companies to demonstrate the future performance of a policy or annuity to clients and prospective clients; Providing the temporary use non-downloadable life insurance, health insurance and annuity contract quote preparation software for use by insurance underwriting and annuity companies; Providing the temporary use non-downloadable software to generate and process submission forms for life insurance, health insurance and annuities; Providing the temporary use non-downloadable software to develop sales strategies in the fields of life insurance, health insurance and annuities; Providing the temporary use non-downloadable software to generate and process submission forms for life insurance, health insurance and annuity contract and perform rules-based insurance and health policy administration; Providing the temporary use non-downloadable software to administer complex producer hierarchies in the fields of life insurance, health insurance and annuities and perform compensation calculations for each such producer; Providing the temporary use non-downloadable software to automate data migration in the field of life insurance, health insurance and annuities