Unum Group, together with its subsidiaries, provides group and individual disability insurance products primarily in the United States and the United Kingdom. Unum Group also provides a portfolio of other insurance products, including long-term care insurance, life insurance, employer and employee-paid group benefits, and related services. Its products include group long-term and short-term disability; group life and accidental death, and dismemberment; individual disability; group and individual long-term care; brokerage voluntary benefits; group life; accident, sickness, and disability; and cancer and critical illness insurance products. The company also provides individual life and corporate-owned life insurance, reinsurance pools and management operations, group pension, health insurance, and individual annuities. It markets its products primarily to employers interested in providing benefits to their employees. Unum Group was founded in 1848 and is based in Chattanooga, Tennessee.

MullinTBG helps executives benefit from their benefit plans. Offering more than 600 customized plans, MullinTBG helps both large corporations and emerging growth companies retain personnel with executive benefits, retirement, and compensation packages. It offers such specialty insurance products as company-owned life insurance and customized nonqualified deferred compensation plans. MullinTBG also specializes in plan design, enrollment, record keeping, reporting, and communications. Through subsidiary MullinTBG Advisors, the firm offers financial planning and investment advice. It has offices throughout the US. Prudential Financial acquired MullinTBG in 2008 and made it part of its Prudential Retirement business.

AEGON Direct Marketing Services, Inc. (ADMS), through its affiliated insurance carriers and non-insurance companies, is a leading direct marketer of life, supplemental health, credit, and specialty insurance products as well as fee-based programs. Using a variety of direct response techniques such as inbound and outbound telemarketing, point-of-sale, direct mail, television, statement inserts, internet, and more, ADMS offers consumers convenient alternatives for purchasing insurance. With North American and international operations, ADMS currently services over 17 million policies worldwide. Using the endorsement of sponsoring organizations, ADMS develops and executes co-branded marketing programs that deliver results. ADMS works through brokers, agents, and third party administrators as well as directly with business partners. The Company’s expertise and longevity in direct marketing have made it a valued partner of many of the leading financial institutions, associations, retailers, credit unions, catalogers, and employer groups in the United States and around the world. Customized programs range from a full package of product development, administrative, technology, and marketing services, to providing only products or a single service such as product underwriting.

The leading US personal lines property/casualty company (by premiums), State Farm Mutual Automobile Insurance Company is the #1 provider of auto insurance. It also is the leading home insurer and offers nonmedical health and life insurance through its subsidiary companies. Its products are marketed via some 17,000 agents in the US and Canada. Competition has increased with the fall of barriers between the banking, securities, and insurance industries. State Farm's efforts to diversify include a federal savings bank charter (State Farm Bank) that offers consumer and business loans through its agents and by phone, mail, and the Internet.

Evoking tree and shop-lined boulevards, The Main Street America Group provides a range of personal and commercial property/casualty products including coverage for small and midsized businesses and individual auto and homeowners insurance plans. The company operates through regional subsidiaries Great Lakes Casualty, Main Street America Assurance, MSA Insurance, NGM Insurance, and Old Dominion Insurance, and affiliate Grain Dealers Mutual. Along with specialized surety bonds for contractors, executors, and public officials, the company also offers fidelity bonds to protect businesses from employee dishonesty. Main Street America sells its products through more than 1,500 independent agents in 25 states.

MARC my words: If the subject is reinsurance, MARC is ready to talk. Munich American Reassurance Company (MARC) is the US-based life reinsurance subsidiary of global industry giant Munich Re (its sister company Munich Reinsurance America provides property/casualty reinsurance). MARC provides life, annuity, disability, and health reinsurance for insurance companies throughout the US. The company, founded in 1959, writes reinsurance for annuities, credit insurance, and long-term care insurance. It also provides risk management services. Munich American Reassurance Company has offices in Atlanta and Chicago.

They are a property and casualty insurance company located in central New York that employs over 1,000 dedicated insurance professionals. Our company was founded in 1899 by my great grandfather, VanNess DeMar Robinson. Our family, now in its fourth generation, continues to manage NYCM, providing the same service and security this company was built on over 100 years ago.

Combined Insurance Company of America markets and underwrites a combination of supplemental accident, disability, health, and life insurance products. Combined Insurance offers a variety of low premium, low limit accident and health products for middle-income individuals. Its Combined Worksite Solutions division markets exclusively to small businesses while its Combined Select programs offer student insurance products through colleges. Combined Insurance Company of America operates in Europe, North America, and Asia/Pacific. Overseas, Combined Insurance Company of America distributes its products through some 3,000 independent agents while in North America it uses a dedicated sales force of more than 2,000 agents. Combined Insurance is held by ACE Limited.

SCOR S.E. provides non-life reinsurance and life reinsurance products. Its non-life reinsurance products include reinsurance covering property damage, industrial and commercial goods, vehicles, ships, stored or transported merchandise, operating losses caused by fires or other events, and damages caused to third parties under civil liability coverage, including automobile liability and general civil liability; specialty reinsurance activities, including credit and surety, ten-year inherent defects insurance, aviation, space, marine, engineering, agricultural risks, and structured risk transfer; reinsurance covering various insurable risks during construction and operation of industrial groups and service companies; and reinsurance coverages underwritten through joint ventures and partnerships. Its life reinsurance products cover life, health and medical insurance, and personal insurance, such as accidents, disability, illness, or incapacity.

Allianz ROSNO Life Ltd. was formed in 2004 as a fully-owned subsidiary of ROSNO (one of the largest insurance providers in Russia, whose majority shareholder -- with about 97% of the company -- is Allianz). Since opening, Allianz ROSNO has expanded to more than 40 branch offices throughout the country. Allianz ROSNO Life works to protect the life of the party. The company provides a range of life insurance services and retirement plans including endowment, term fix, term, pension, and annuity insurance products. Allianz ROSNO employs a multichannel strategy of distribution that encompasses banks and brokers. It makes most of its sales to individuals looking for life insurance (about 80%), and the rest to corporate clients.

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