Western National Life Insurance Company has helped Americans achieve financial security with innovative fixed annuity products for more than 50 years. In fact, Western National was one of the first insurance companies to develop fixed annuity products specifically for sale through banks, and has been the nation’s #1 provider of tax-deferred fixed annuities in this market for 14 consecutive years.1, 2Over the past two decades, Western National has consistently received some of the highest ratings from independent nationally recognized insurance company rating agencies. We have operated for 54 years without ever defaulting on an annuity contract. Licensed in 49 states and the District of Columbia, Western National products are built upon deep market knowledge and supported by the financial strength of Western National.

Transatlantic Holdings, Inc. (TRH) is a leading international reinsurance organization headquartered in New York, with operations worldwide. TRH’s subsidiaries, Transatlantic Reinsurance Company® (TRC), Trans Re Zurich Reinsurance Company Ltd (TRZ) and Putnam Reinsurance Company (Putnam), offer reinsurance capacity on both a treaty and facultative basis -- structuring programs for a full range of property and casualty products, with an emphasis on specialty risks.

Harleysville Group Inc., through its subsidiaries, engages in the property and casualty insurance business primarily in the eastern and midwestern United States. It underwrites personal and commercial property and casualty coverage, including automobile, homeowners, commercial multi-peril, and workers compensation. The company sells its products through independent agents to individuals, and small and medium-sized businesses. The company was founded in 1979 and is based in Harleysville, Pennsylvania. Harleysville Group Inc. is a subsidiary of Harleysville Mutual Insurance Company.

ProAssurance Corporation, through its subsidiaries, provides professional liability insurance products primarily to physicians, dentists, other healthcare providers, and healthcare facilities in the United States. It also engages in the legal professional liability business. The company markets its products through direct marketing and independent agents. ProAssurance Corporation was founded in 1976 and is based in Birmingham, Alabama.

Hallmark Financial sells insurance to cover risks both general and exceptional. Its Hallmark General Agency unit markets and underwrites general commercial property/casualty insurance, while its Texas General Agency sells specialty property/casualty coverage to businesses that don't fit into standard coverage. Its Aerospace unit provides specialty aviation insurance to both commercial and private pilots and small airports. Other Hallmark Financial units provide personal non-standard auto insurance and specialty commercial auto and umbrella policies. Chairman Mark Schwarz owns about 60% of the company, partially through his investment firm, Newcastle Partners.

The Chubb Corporation, through its subsidiaries, provides property and casualty insurance to businesses and individuals. Its Personal Insurance segment offers insurance products, such as automobile, homeowners, and other personal coverage products, as well as supplemental accident and health insurance. The company’s Commercial Insurance segment provides multiple peril, casualty, workers’ compensation, property, and marine insurance products. Its Specialty Insurance segment offers various professional liability coverage and surety products for privately and publicly owned companies, financial institutions, professional firms, and healthcare organizations. The company provides its products and services through independent insurance agents and brokers in the United States, Canada, Europe, Australia, Latin America, and Asia. The Chubb Corporation was founded in 1882 and is based in Warren, New Jersey.

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.

W. R. Berkley Corporation, founded in 1967, is one of the nation’s premier commercial lines property casualty insurance providers. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.

RAC is best known for providing roadside assistance for stranded motorists in the UK and also offers the same deal in around 50 European countries. It serves some 7 million customers. In addition, the company provides advice on car buying and car care, sells insurance (including auto, home, travel), offers drivers' training courses, and repairs windshields. RAC is a subsidiary of insurance titan Aviva, which acquired RAC to expand the offerings of the insurer's Norwich Union brand. The RAC name comes from the UK's Royal Automobile Club, which sold its breakdown assistance unit to the company in 1999.

FPIC Insurance Group, Inc., through its subsidiary companies, is a leading provider of medical professional liability (MPL) insurance for physicians, dentists and other healthcare providers. The company's largest subsidiary, First Professionals Insurance Company, Inc., is the largest writer of MPL insurance in Florida and has served the market for 35 years. The company is also a leading writer of MPL insurance in Texas as a result of the company's acquisition of Advocate, MD Insurance Group, Inc. and subsidiaries. Other core markets include Georgia, Arkansas and Missouri. Licensed in 32 states, FPIC insurance subsidiaries currently have policyholders in a total of 13 states.

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