9 Downloadable computer programs and recorded software, all for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services distributed online; downloadable and recorded computer programs for processing commercial financial transactions; downloadable and recorded computer programs for financial management; downloadable and recorded computer programs for sales purposes for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer programs for use in insurance for facilitating and managing marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer programs relating to financial matters for use in facilitating and managing marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software designed to estimate business costs; computer software downloaded from the internet for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software for business purposes for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software for processing financial market information; downloadable and recorded computer software packages for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services products; downloadable and recorded computer software programs for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; computer systems comprising computer hardware and computer peripheral devices; downloadable and recorded integrated software packages for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded interactive computer software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded packaged software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded personal computer application software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software programs for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; recorded computer software for use in insurance and financial services industry, which facilitates and manages marketing, referral/affiliate programs, advice, distribution, renewals, claims handling, compliance management, data management and reporting for life insurance products, and services; downloadable and recorded computer software for analyzing financial market information