The Guardian Insurance & Annuity Company stands like a sentinel protecting its clients' retirement savings. The company, a subsidiary of mutually owned life insurer The Guardian Life Insurance Company of America, sells variable annuities and variable life insurance policies to individuals and groups looking to accumulate and manage savings over the long term. Its variable annuities have optional riders, including a Guaranteed Minimum Withdrawal Benefit, that protect a client's investment from market fluctuations. Guardian Insurance & Annuity distributes its products primarily through its sister firm, Guardian Investor Services.

For over 30 years Total Financial has been the primary independent resource for producers who dominate their marketplace. We are one of the nation’s leading experts in developing and underwriting life insurance for wealthy individuals and corporations. The companies we represent, several of whom we lead every year, value our input and consult with us to keep them on the cutting edge of the brokerage world. Today they offer the successful insurance producer a powerful package of skill and selection. You get the most for your clients in this dynamic life insurance marketplace.

Arig has been a trusted risk partner for over a quarter century. Established by the governments of Kuwait, Libya and the United Arab Emirates, the Company has since grown to become one the market leaders among regional reinsurers. Today, Arig is a publically traded company owned by over 6000 private and institutional investors and listed on the stock exchanges of Bahrain, Dubai and Kuwait.

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.

This ACE aims to provide a full house of insurance services. Through subsidiaries, ACE Limited sells property/casualty insurance, life insurance, and reinsurance through subsidiaries around the globe. It primarily provides property/casualty insurance to commercial and personal customers. Policies offered include general liability, homeowners, auto, accident, workers' compensation, and specialty crop and marine coverage. The company's ACE Tempest Re businesses provide reinsurance to property/casualty insurers in North America and Europe. ACE's life insurance and life reinsurance operations are focused in the US and other select markets. Products are primarily marketed through independent brokers.

Located in Carlsbad, California, William J. King & Associates has served local businesses with their insurance and employee benefit needs since 1972. Our success over the past 30 years has made us the number one agency in North County and among the top ten in San Diego each of the past six years. We pride ourselves on our extensive industry knowledge and creative problem solving solutions that get our clients the best plan to meet their needs; and then providing them with an unprecedented level of personal service.

In March 1917, Ford introduced the Model TT truck just in time for Wolverine Mutual to insure it. Inspired by the new horseless carriages rattling across American roads, E. Bruce Laing and his friends Charles Heddon, Clare F. Pugsley, W.E. Sweet, and Dr. N. Bonine established an insurance company to serve new automobile owners. Riding the automobile's growth in the Roaring '20s, then enduring the economic woes of the Great Depression and World War II, Wolverine Mutual outgrew its original Front Street offices and moved to a large historic home on Main Street in Dowagiac.

Hardy Underwriting Bermuda Limited ("HUB") is listed on the London Stock Exchange. HUB is the ultimate holding company for the Hardy group of companies.On 7th February 2008, control of Hardy Underwriting Group plc transferred to HUB via a scheme of arrangement, to effect a redomicile of the group to Bermuda and access property risks from there. At the same time Hardy Re Limited was established in Bermuda as a class III reinsurance company. 2008 was the first phase of Hardy's operations in Bermuda, with Hardy Re writing a quota share reinsurance of Hardy Underwriting Limited's participation on the managed syndicate

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders. They are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

RGA posted $2.3 trillion of life reinsurance in force and assets of more than $25 billion. In October, RGA announced an agreement with ReliaStar Life Insurance Company to acquire ReliaStar’s U.S. and Canadian group life, accident and health reinsurance business, which operated under the name ING Reinsurance. The acquisition was finalized January 1, 2010. RGA’s mortality expertise and facultative experience continued to lead the industry. Company-wide, RGA processed 286,756 facultative submissions in 2009.RGA was named “Life Reinsurance Company of the Year” at The Review Worldwide Reinsurance Awards. This was the third time in six years RGA has received this award. RGA Reinsurance Company was named “Best Overall Life Reinsurer” for the third consecutive time by North American life insurers in the 2009 Flaspöhler Cedant Survey (Life – North America).

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