Providing non-downloadable temporary use of online tools in the nature of online, non-downloadable computer software for insurance claims review, processing, and reporting; providing online, non-downloadable AI-based software for insurance claims management; providing online, non-downloadable disability insurance software for processing and analyzing claims, collecting data, and generating solutions and recommendations based on data and industry information; providing online, non-downloadable workers' compensation insurance software for processing and analyzing claims, collecting data, and generating solutions and recommendations based on data and industry information; providing computer software consulting services in the field of insurance.