To close a pension plan that does not have sufficient funds to cover the benefits to which the plan’s participants are entitled.

Separation of all prospective or presently insureds in group insurance plans by age, sex, location, income, status of dependency, and benefits for the purpose of computing premium rates.

Various ways health plans and medical services are delivered such as insurance agents and brokers, pharmacies, pharmaceutical companies for drugs, and physicians.

Overhead costs in making insurance products available to the general public such as insurance agent compensation, group sales representatives’ salaries, postage, printing, and telecommunications for direct response marketing.

An insurance company’s network of organizations and individuals who perform all the marketing activities to convey an insurance product from an insurer to the consumers.