This sub-class includes the underwriting of annuities, term, permanent and whole life insurance policies. It also includes supplementary insurance underwritten in addition to life insurance, in particular, insurance against personal injury including incapacity for employment, insurance against death resulting from an accident, and/or insurance against disability resulting from an accident or sickness. Units in this sub-class are primarily engaged in: •underwriting and/or provision of: - annuities and/or life insurance policies - disability income insurance policies - accidental death and/or dismemberment insurance policies (with or without substantial savings element)