Texas Life was founded in 1901 and for its first 80 years operated primarily in Texas and Oklahoma. Now Texas Life is authorized to do business in 49 states and Washington DC. Its products are sold through independent agents. Texas Life Insurance company is the oldest legal reserve life insurance company from Texas and holds Charter Number 1 from the state's banking commission prior to the establishment of an insurance department.

Life is good at Erie Family Life Insurance. The insurer serves as the life insurance division of the Erie Insurance Group, by providing individual and group life insurance, annuities, and disability income policies. Its group insurance products include a voluntary payroll deduction program and its life insurance products include include term, whole life, and universal coverage. Erie company's insurance policies are marketed through more than 8,000 independent agents in 11 states and Washington, DC. In 2006 Erie Insurance Group formally acquired Erie Family Life and now hold nearly 80% of its shares.

Capitol Transamerica does business across the US but mostly in the middle. The insurance holding company operates in 50 states and Washington, DC, but its business is concentrated in the Midwest and Plains states. Its primary operating subsidiaries, Capitol Indemnity and Capitol Specialty Insurance, offer property/casualty coverage for such niches as barber and beauty shops, bowling alleys, and taverns. It also offers fidelity and surety bonds to commercial entities through Capital Indemnity and another unit, Platte River Insurance.

Through operating subsidiary Greenlight Reinsurance, the company sells property/casualty reinsurance, specializing in writing customized contracts in underserved markets including professional liability, casualty clash, homeowners insurance, marine coverage, accident coverage, credit insurance, and property catastrophe policies. It also provides medical malpractice and workers' compensation reinsurance. Greenlight Re is affiliated with investment firm Greenlight Capital.

Through four regional insurance companies, the company, which operates as Western National Insurance Group, sells commercial and personal lines of property/casualty insurance in eight states of the Upper Midwest, Northwest, and Mountain West. Offerings include commercial and personal automobile, homeowners, renters, general liability, and workers' compensation insurance, as well as inland marine, snowmobile and ATV, and personal umbrella coverages. Its MainStreetXpress package offering is specially designed for small businesses.

American Hardware Mutual Insurance knows the nuts and bolts of commercial property/casualty insurance, including auto, liability, specialty lines, and workers' compensation. The company caters to small and midsized businesses, selling through employed sales representatives in 35 states, primarily in the western, midwestern, and northeastern US. American Hardware Mutual was founded in 1899 to protect hardware dealers from fire losses; it still provides specialized coverage for hardware stores, as well as for farm machinery dealers, car and boat dealers, repair shops, and several other niche businesses.

Think of the Society of Lloyd's (dba Lloyd's of London) as a busy market where groups who have risks can meet up with groups who have money to insure risk. As the world's leading insurance exchange, Lloyd's regulates about 80 syndicates run by more than 50 managing agents. Customers include corporate underwriters and wealthy individuals transacting specialty property/casualty insurance business worth billions in premiums each year. Also part of the picture are Lloyd's brokers, who bring business to the market. Lloyd's is a top conduit for aviation and marine insurance, as well as its more specialized specialty insurance covering celebrity body parts or protecting against acts of terrorism.

UNIFI Mutual Holding respects the individuality of its subsidiaries, but likes to keep them all in one place. UNIFI Mutual Holding owns Ameritas Holding, which in turn owns three subsidiaries: Ameritas Life, Acacia Life, and Union Central Life. All three companies provide life insurance and annuity products nationwide. Through its companies, UNIFI also offers such services as financial planning and workplace investing, and has some $30 billion of assets under management. Other companies under its umbrella include socially responsible mutual fund manager Calvert Group, Acacia Federal Savings Bank in Virginia, and Ameritas Group, which offers dental and eye care insurance.

First Mercury Financial Corporation, through its subsidiaries, provides insurance products and services to the specialty commercial insurance markets in the United States. The company underwrites and provides various classes of general liability insurance for the security industry, including security guards and detectives, alarm installation and service businesses, and safety equipment installation and service businesses. It also offers general liability insurance for specialty classes, such as contractor classes of business comprising roofing, plumbing, electrical, energy, and other artisan and service contractors. In addition, the company provides liability and property insurance for contract underwriting classes consisting of primarily legal and miscellaneous professional liability, hospitality, employer general liability, habitational, and outdoor recreation and other classes of business. Further, it offers insurance products for casualty, excess/umbrella casualty, and property lines of businesses, as well as for miscellaneous professional liability, non-standard auto, and hospitality businesses. Additionally, the company operates a wholesale insurance agency, which produces commercial lines business primarily on an excess and surplus lines basis for non-affiliated insurers. It also provides underwriting, claims, and other insurance services to third parties that comprise insurance carriers and customers. First Mercury Financial Corporation markets its insurance policies through a network of wholesale and retail insurance brokers under the CoverX brand name. The company is headquartered in Southfield, Michigan.

Optimum General provides property/casualty insurance to both individuals and commercial entities in Canada. Lines offered include personal automobile, homeowners, corporate property, and commercial liability coverage. Products are underwritten through subsidiaries that include Optimum West Insurance, Optimum Insurance Company, and Optimum Farm Insurance. The insurance lines are distributed through a network of some 500 independent brokers. Optimum General's parent company, the Optimum Group, also deals in financial services, life insurance, and real estate management.

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