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SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE FOR REVIEWING PRESCRIPTION HISTORIES, CONSUMER BEHAVIOR DATA, AND MEDICAL DATA TO CREATE RISK MANAGEMENT MODELS AND INSURANCE CLAIM PREDICTION MODELS FOR USE BY THE INSURANCE INDUSTRY; SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE THAT USES PREDICTIVE MODELS TO CALCULATE A RISK SCORE USING PRESCRIPTION HISTORIES, CONSUMER BEHAVIOR DATA, MEDICAL DATA, AND OTHER DATA OBTAINED FROM GROUP INSURERS' CENSUS DATA, TO PRODUCE A RISK SCORE THAT ENABLES INSURERS TO PROVIDE COVERAGE QUOTES TO NEW GROUPS MORE QUICKLY AND WITH GREATER ACCURACY; SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE USED IN THE INSURANCE FIELD IN FORCE ANALYSIS, NAMELY, SOFTWARE THAT USES DATA TO CALCULATE THE RELATIVE MORTALITY AND MORBIDITY RISKS OF A GIVEN POPULATION; SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE FOR ANALYZING PRESCRIPTION HISTORIES, CONSUMER BEHAVIOR DATA, MEDICAL DATA, AND OTHER DATA OBTAINED FROM GROUP INSURERS' CENSUS DATA FOR THE PURPOSE OF SEGMENTING INDIVIDUALS INTO INSURANCE RISK GROUPS FOR MARKETING PURPOSES; [ SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE FOR IDENTIFYING AND ANALYZING POTENTIAL PENSION PLAN RISKS AND RECOMMENDING FINANCIAL ACTIONS WHICH WILL MITIGATE THOSE RISKS; ] SOFTWARE AS A SERVICE (SAAS) SERVICES FEATURING SOFTWARE FOR INTERPRETING INSURANCE APPLICANTS' PRESCRIPTION, MEDICAL, APPLICATION, CONSUMER, FINANCIAL, BIOMETRIC AND OTHER DATA TO IDENTIFY POTENTIAL HEALTH CONDITIONS AND THE POTENTIAL SEVERITY THEREOF TO ENABLE INSURERS TO MAKE DECISIONS ON THEIR APPLICANT POPULATION