Insurance policy and premium payment service; namely a service whereby insurance policyholders will make a small premium down payment and maintain their insurance coverages by making premium payments periodically during the term of the policy

INSURANCE POLICY AND PREMIUM PAYMENT SERVICE; NAMELY A SERVICE WHEREBY INSURANCE POLICYHOLDERS WILL MAKE A SMALL PREMIUM DOWN PAYMENT AND MAINTAIN THEIR INSURANCE COVERAGE BY MAKING PREMIUM PAYMENTS PERIODICALLY DURING THE TERM OF THE POLICY