SERVING AS AN INSURANCE AGENCY, NAMELY, PROVIDING INSURANCE ADVICE TO CONSUMERS, DESCRIBING INSURANCE COMPANIES AND INSURANCE PRODUCTS, AND SELLING INSURANCE; SERVING AS A MANAGING GENERAL AGENT TO OFFER INSURANCE COMPANY PRODUCTS IN VARIOUS STATES, NAMELY, DEVELOPING AND IMPLEMENTING MARKETING PROGRAMS, PRICING STRATEGIES, UNDERWRITING AND RISK SELECTION CRITERIA, RATEMAKING AND RATE FILING, POLICYHOLDER BILLING, POLICY SERVICING INCLUDING ENDORSEMENTS, CHANGES AND RENEWALS, CLAIMS HANDLING AND CLAIMS PAYMENTS

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