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American National Insurance Company and its subsidiaries operate primarily in insurance industry in the United States, the District of Columbia, Puerto Rico, Guam, and American Samoa. American National Insurance Company operates through five segments: Life, Annuity, Health, Property and Casualty, and Corporate and Other. The Life segment offers individual and group life insurance products, including universal life, variable universal life, whole life, and term life; and credit life insurance. The Annuity segment provides variable and fixed annuities for individuals and institutional investors. The Health segment offers medicare supplement, supplemental insurance, hospital surgical, stop-loss, and credit disability insurance. The Property and Casualty segment provides auto insurance, homeowners insurance, agribusiness and commercial insurance, and credit property and casualty insurance. The Corporate and Other segment offers mutual fund and investment advisory products and services. In addition, American National Insurance Company invests in mortgage loans and real estate properties. It distributes its products through home service, multiple line, credit, independent third party marketing organizations, and direct sales to the public. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.

Americo Life sells insurance to cover American lives. The holding company sells life insurance and annuities to individuals, families, and groups, mainly through its Americo Financial Life and Annuity Insurance unit. Americo Life companies also offer insurance policies that cover funeral expenses and mortgages. Policies are distributed through 15,000 independent agents nationwide to about 850,000 policyholders. The firm is a wholly owned subsidiary of Financial Holding Corporation, which the family of chairman Michael Merriman controls. Other Financial Holding business interests include real estate ventures in the Southeast and a 50% stake in Argus Health Systems, a processor of prescription drug claims.

AFBA's for-profit 5Star Financial division, founded in 1989, sells to the general public, offering individual life insurance, supplemental health insurance, and other financial services such as banking and mutual funds. Taking risks that might scare off other commercial insurance companies, Armed Forces Benefit Association (AFBA) provides group life insurance products for military personnel, government employees, police officers and firefighters, and defense department contractors. The not-for-profit membership association was established in 1947 and has some 300,000 members; its policies contain no war or terrorism restrictions. It sells property/casualty policies through affiliate Armed Forces Insurance.

Assurity Life, formed when Woodmen Accident, Assurity Life, and Lincoln Direct merged in 2003, provides group and individual life insurance, disability income protection, and annuity products, serving some 420,000 customer accounts nationwide. It also offers various critical-illness policies (which provide lump-sum payouts for a variety of conditions and diseases). A network of independent brokers as well as affiliated sales representatives (worksite distributors) market Assurity Life's products. With roots going back to 1890, Assurity Life is the primary subsidiary of Assurity Security Group.

Founded in 1833, Asteron is a subsidiary Australian financial services concern Suncorp-Metway. Asteron Limited is one of the largest financial service providers on the world's smallest continent. The firm is one of Australia's and New Zealand's top life insurance companies with more than 250,000 policies in force. Additionally, it offers asset administration and risk management services. Asteron's insurance offerings, which include traditional life, income protection, and disability policies, are marketed exclusively through financial advisors.

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