36 insurance and financial services including whole life insurance, endowment insurance, term insurance, investment account insurance and investment linked insurance including children's policies and single premium policies; disability insurance, business expense insurance, renewal disability insurance and annuity contracts of various kinds; general insurance, personal incapacity insurance, house owners and householders insurance; insurance underwriting services; money management and investment services; management of investment portfolios, property, equity and mortgage unit trusts; establishment and operation of superannuation funds, personal superannuation funds and self employed superannuation funds; provision of money and other credit and lending facilities; consulting services in the fields of superannuation, financial services and insurance; banking and investment services, financial management services