Protecting from the multitude of dangers lurking in the water, mutual insurer North of England Protecting and Indemnity Association (NEPIA) provides marine liability insurance to some 300 members, including cargo carriers and large tanker owners. NEPIA offers protection and indemnity (P&I) insurance, freight demurrage and defense (FD&D, legal expenses), war risk coverage, and more. The company's operations are run through its wholly owned subsidiary, North Insurance Management Limited (NIML). While NEPIA operates primarily in Europe, it also has customers in Asia, the Middle East, and North America. The company maintains liaison offices in Greece, Singapore, and Hong Kong. It was founded in 1886.

The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

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.

Generali Deutschland Holding AG is controlled by Italian insurer Assicurazioni Generali and is the holding company for its German operations. For individuals and smaller commercial customers seeking insurance in Germany, Generali Deutschland (formerly AMB Generali) has them covered. Through more than 20 subsidiaries, it is one of that country's top health, life, property/casualty, and liability insurers. Its multiline companies include Aachen Munchener, Volksfursorge, and CosmosDirekt. The company also offers financial services and asset management and owns mortgage bank Deutsche Bausparkasse Badenia. Through its affiliates Generali Deutschland owns interests in building societies and real estate companies.

One of the largest fraternal benefit societies in the US, Modern Woodmen provides annuities and life insurance to more than 750,000 members through some 1,500 agents. The group, founded in 1883, is organized into "camps" (or chapters) that provide social, recreational, and service -- as well as financial -- benefits to members. Founder Joseph Cullen Root chose the society's name to compare pioneering woodmen clearing forests to men using life insurance to remove the financial burdens their families could face upon their deaths. Modern Woodmen offerings also include mutual funds, brokerage, and retirement and educational savings plans.

BenefitMall is the complete Broker services company providing products, services and tools to make selling employee benefits to businesses more efficient. Our ability to meet your business needs - and go above and beyond - is what has made BenefitMall the nation's leading General Agency. We have sales and support offices located in 11 states serving 32 markets. BenefitMall offers plans from more than 125 leading insurance carriers, and with more than 175,000 in-force groups, we support nearly two million employees and their dependents.

Personal Group Holdings may seem like an oxymoron to some, but not to these folks. Established in 1984, Personal Group Holdings provides employee benefits administration, insurance brokerage services, mortgage services, and financial planning through subsidiaries such as Personal Insurance & Reinsurance Brokers, Personal Group Benefits, Personal Assurance, and Personal Assurance Financial Services. Clients include Game Stores, Universal Music, and Marston's. In 2005 Personal Group Holdings bought Berkeley Morgan Group, an insurance and finance advising company.

Great-West Life Assurance has a great big array of insurance, benefits, and investment products for individuals and businesses large and small in Canada and Europe. Through its operating subsidiaries Canada Life and London Life, Great-West Life Assurance company provides group and individual life insurance, supplemental health insurance, disability and critical illness insurance, and investment and retirement plans. Its European business is focused on the UK, Ireland, and Germany where it provides asset management, individual insurance, and reinsurance. Great-West Life Assurance is a subsidiary of Great-West Lifeco and part of the Power Financial group of companies.

Founded in 1863 as a fire insurance company, Baloise-Holding today is a general insurer that sells such standardized products as group and individual life policies and accident, property, and auto insurance to small firms and individuals. Baloise-Holding company is one of the leading insurers in Switzerland, operating primarily there and in Germany; together the countries account for about 80% of its sales. Through subsidiaries, it also operates in six other nearby countries including Croatia and Serbia. Baloise also provides banking, pension plans, and other financial services through its Baloise Bank SoBa. Baloise-Holding company uses its own sales force as well as partner distributors and independent brokers to sell its wares.

BDML Connect (formerly known as Rossborough Insurance Services) offers commercial and personal auto coverage (including property/casualty policies for car manufacturers). It offers pet insurance through its Thornside subsidiary. Another subsidiary, BDML Insurance Solutions, provides insurance brokerage services online as well as niche products such as tenant and travel coverage. BDML Connect also provides business process and insurance administration services to clients that include ASDA and Norwich Union (which has since become part of Aviva). In 2005 Capita Insurance Services Group acquired 100% of the share capital of BDML Connect from its previous owner, BDML Group.

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