Bermuda: sun, sand, and reinsurance. In 1998 struggling Annuity and Life Re (Holdings) was the first life reinsurer to hang its shingle in the tax-sheltered haven of Bermuda. However, it has ceased writing new coverage and in 2008 dissolved Annuity and Life Re America, which was once the company's flagship subsidiary. Previously it covered term, whole, and universal life insurance policies.

Security Mutual Life Insurance Company of New York (SMLINY) offers more than just life insurance and it offers it in 49 states in addition to New York. The company, founded in 1886, markets individual and group life, accident, and disability coverage. Its Secure Benefits Solutions unit sells worksite benefits to businesses and credit union members. It also offers third-party administration to businesses that sponsor their own pensions. SMLINY holds 20% of National Security Life and Annuity Company and markets its products in New York, while Ohio National Financial Services holds the remainder of the business.

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.

Operating under the Rockingham Group name,Rockingham Mutual Insurance Company offers insurance to owners of cars, homes, farms, and small businesses in Pennsylvania and Virginia. Products include farm, livestock, and multi-policy insurance, as well as life and health insurance. In addition, it offers workers' compensation and disability insurance and coverage that includes commercial autos, boats, and motor homes through other insurance companies. Independent and exclusive agents sell the company's products through its Rockingham Mutual Insurance, Rockingham Casualty, and Rockingham Mutual Service Agency companies. Rockingham has been doing business since 1869.

Brown & Brown, Inc., together with its subsidiaries, operates as a diversified insurance agency, wholesale brokerage, insurance programs, and service organization in the United States. Its Retail segment provides various insurance products and services to commercial, public and quasi-public entity, professional, and individual customers. It provides insurance relating to physical damage to property, and resultant interruption of business or extra expense caused by fire, windstorm, or other perils; casualty insurance relating to legal liabilities, workers compensation, and commercial and private passenger automobile coverage; and fidelity and surety bonds. This segment also sells and services group and individual life, accident, disability, health, hospitalization, medical, and dental insurance; and provides risk management and loss control surveys and analysis, and consultation services.

The Guardian Insurance & Annuity Company stands like a sentinel protecting its clients' retirement savings. The company, a subsidiary of mutually owned life insurer The Guardian Life Insurance Company of America, sells variable annuities and variable life insurance policies to individuals and groups looking to accumulate and manage savings over the long term. Its variable annuities have optional riders, including a Guaranteed Minimum Withdrawal Benefit, that protect a client's investment from market fluctuations. Guardian Insurance & Annuity distributes its products primarily through its sister firm, Guardian Investor Services.

The Hartford Financial Services Group is an insurer with a range of personal and commercial life and property/casualty insurance products. Through its Hartford Life subsidiary, the company offers individual and group life insurance and annuities, as well as the financial services mentioned in its name (asset management, retirement plans, and mutual funds). Its property/casualty operations include both personal (homeowners, auto) and business coverage (workers' compensation) and specialty commercial coverage for large companies. The Hartford, in business since 1810, sells its products through about 11,000 independent agencies and more than 100,000 registered broker-dealers.

USHEALTH is owned by a division of Credit Suisse. USHEALTH (formerly Ascent Assurance) wants to protect YOURHEALTH. The insurance holding company provides medical and supplemental health insurance through its subsidiaries, primarily to the self-employed and small businesses. The company's products include health spending accounts (HSA) and fixed-rate health insurance. USHEALTH also offers indemnity policies for the treatment of specified diseases and lump sum payments upon the diagnosis of catastrophic illness. The company's products are sold through its own network of career agent organizations.

Radian Asset Assurance backs up bonds. The Radian Group subsidiary, is in the financial guaranty business, meaning that it insures and reinsures state and municipal bonds and provides direct financial guarantees of smaller debt obligations. The company reinsures in the US and Puerto Rico; its UK-based subsidiaries, Radian Asset Assurance Limited and Radian Financial Products Limited, provide financial guaranty products in Europe. As Radian Asset Assurance was heavily involved in insuring collateralized debt obligations and asset-backed securities, in 2008 its ratings were downgraded and the company ceased writing new financial guaranty business.

Answer Financial offers shoppers the opportunity to compare quotes and purchase auto or home insurance policies from top companies through its award-winning Web site or through its sales center staffed by licensed insurance professionals. Answer Financial is one of the largest online personal insurance agencies in the U.S., with over 324,000 policies in force as of July 2010 Insurance shoppers in all 50 states can compare insurance quotes from up to 15 top-rated companies Products offered through Answer Financial include: auto insurance, homeowners/renters/condo insurance, RV insurance, & personal watercraft insurance

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