Rain and Hail Insurance Service is among the largest crop insurers; it is an underwriter for multiple lines of insurance for agents and rural policyholders in Canada and the US. Covering family farms to corporate farms its products run the gamut from low farm revenue to agribusiness risk management, from crop hail insurance to livestock risk protection. The company also provides claims adjusting and accounting services. It operates about 10 divisional offices across the US, as well as in Canada. Rain and Hail has agreed to be acquired by ACE Limited, which already holds 20% of the company's stock.

European insurance firm Helvetia Holding primarily operates through Swiss life and property/casualty subsidiaries Helvetia Leben and Helvetia Versicherungen. Its associated companies serve more than 2 million private customers and thousands of small or medium-sized businesses. As a top insurer in Switzerland, Helvetia Holding provides life, pension, auto, liability, and accident insurance policies, as well as reinsurance coverage and risk management services. Geographically, the company's core market consists of Austria, Germany, and Switzerland, but it has expanded through acquisitions into other countries including France, Italy, and Spain. The Patria Cooperative owns 30% of Helvetia Holding.

A UK division of The Travelers Companies, Travelers Insurance Company provides commercial property and liability insurance, as well as professional indemnity, and risk management services. Customers include computer and technology companies, the automotive industry, law firms, medical institutions, and local governments. The company also provides marine insurance and surety bonds. Travelers Insurance Company Ltd. operates alongside its parent's Lloyd's operations known as Travelers Syndicate 5000. In Ireland it provides both commercial insurance and personal auto coverage.

By focusing our attention on responsible individuals living in Washington state, PEMCO has earned a national reputation for delivering on its promise. Our claim service is unsurpassed and our rates are highly competitive. We offer protection for your auto, home, boat, and life. You simply won't find a better value for protecting your most valuable assets.In addition to providing our customers with peace of mind, we work diligently enriching the communities we serve.For more information, visit our history page, read the Perspective newsletter, or read our news releases.

Power Financial owns about half of IGM Financial, which owns Investors Group and Mackenzie Financial, distributors of mutual funds and other investment products and services. Power Financial gets a charge out of insurance and investments. The holding company seeks controlling stakes in financial services companies in the US, the UK, and Canada. Core investments include 73%-owned Great-West Lifeco (subsidiaries include Great-West Life Assurance, Canada Life, and London Life Insurance, leading providers of insurance in Canada). Lifeco's US subsidiary, Great-West Life & Annuity Insurance, provides employee benefits and retirement plans. Boston-based fund manager Putnam Investments is also part of the family.

HM Insurance Group makes the grade in employer stop loss coverage and other group health-related insurance products. A subsidiary of health insurer Highmark, HM Insurance offers stop loss policies to help self-insured companies protect themselves from catastrophic medical claims. It also sells supplemental health plans that cover critical illness, accidents, and hospitalization; the plans also include disability and life insurance components. Additionally, the firm has introduced a customizable limited benefit medical plan and provides administrative services such as COBRA administration and claims processing for self-insured groups. HM Insurance, which consists of four operating companies, operates nationwide.

Cornerstone National Insurance Company was founded in 1996, by a group of insurance executives with hundreds of years of combined experience in the business. We commenced writing automobile insurance business in March of 1997. Today our insurance brokerage division also provides life, health, property and liability coverage for personal and commercial applicants.

MGIC (www.mgic.com), the principal subsidiary of MGIC Investment Corporation, is the founder and leader of the private mortgage insurance industry, serving more than 3,300 lenders with locations across the country and Puerto Rico. MGIC provides a critical component of our country's residential mortgage finance system, protecting mortgage investors from credit losses. Mortgage insurance from MGIC also benefits consumers by helping them achieve homeownership sooner with low-down-payment loans.

EMC Insurance Group with its subsidiaries EMCASCO Insurance, Illinois EMCASCO, and Dakota Fire Insurance sell property/casualty lines including automobile, property, liability, and workers' compensation insurance, primarily to small and medium-sized businesses. EMC Underwriters offers excess and surplus lines of insurance. EMC Reinsurance provides reinsurance for the group and other unaffiliated insurers. The group operates throughout the US, primarily in the Midwest; Iowa accounts for 15% of premiums. Employers Mutual Casualty, a multiple-line property/casualty insurance company, owns 60% of EMC Insurance Group.

Matrix Direct in 1995, because people told us they wanted a better way to secure important term life insurance protection. They were right; finding high-quality term life insurance coverage for your loved ones should be simple, straightforward and convenient. Matrix Direct is an appointed agent for ten highly-rated insurance companies, to provide our customers a range of products at affordable rates. Since our founding, we've helped over 5 million people. We continue to assist thousands of people each month, helping them secure top-quality coverage from some of the country's most highly rated life insurance carriers.

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