consulting and referral services for others in the insurance industry including long-term disability insurers, such referral services including providing referrals to independent contractors who provide services such as actuarial consulting, product development, compliance review, claims management and adjudication, product administration, individual medical underwriting and group underwriting

'actuari':31 'adjud':40 'administr':42 'claim':37 'complianc':35 'consult':1,32 'contractor':25 'develop':34 'disabl':15 'group':47 'includ':11,20 'independ':24 'individu':43 'industri':10 'insur':9,16 'long':13 'long-term':12 'manag':38 'medic':44 'other':6 'product':33,41 'provid':21,27 'referr':3,18,22 'review':36 'servic':4,19,28 'term':14 'underwrit':45,48

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