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Insurance brokerage in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance actuarial services; Insurance administration in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance agencies in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; Insurance agency and brokerage; Insurance claims administration; Insurance claims processing; Insurance underwriting in the field of assisted reproduction medical techniques, assisted reproduction drug therapy, artificial insemination, in vitro fertilization, fertility enhancement therapy; fertility enhancement drug therapy, third party egg donation, third party sperm donation, and third party surrogacy; A surrogate is one who takes the place of another; in the instant case the applicant provides coverage who dies of sudden and perhaps unforeseen death