Pacific Life & Annuity can turn your wishes into a plan. Along with parent company Pacific Life Insurance, Pacific Life & Annuity (PL&A) offers annuity and life insurance products to individuals and groups. Unlike Pacific Life, however, PL&A is licensed in the state of New York and offers many of its products only in the New York market. In addition to individual life insurance and annuities, PL&A issues structured settlement annuities, which are used to make payments to injured parties in personal injury and workers' compensation cases, and other financial investment products.

At Brown & Brown (B&B®), we know that we must be as agile as the cheetah in order to thrive in the currently very competitive insurance environment. Our unique culture has enabled us to quickly chase down new opportunities, adapt our products and services to best meet market demands, and satisfy our many and varied clients.

Western National Life Insurance Company has helped Americans achieve financial security with innovative fixed annuity products for more than 50 years. In fact, Western National was one of the first insurance companies to develop fixed annuity products specifically for sale through banks, and has been the nation’s #1 provider of tax-deferred fixed annuities in this market for 14 consecutive years.1, 2Over the past two decades, Western National has consistently received some of the highest ratings from independent nationally recognized insurance company rating agencies. We have operated for 54 years without ever defaulting on an annuity contract. Licensed in 49 states and the District of Columbia, Western National products are built upon deep market knowledge and supported by the financial strength of Western National.

Atrium Underwriters, a Lloyd's of London insurer and reinsurer also provides insurance for cargo, art, and against acts of terrorism. Its Atrium Underwriters Limited subsidiary manages two Lloyd's syndicates -- Syndicate 570 (property & casualty insurance and reinsurance, accident & health, and professional liability) and Syndicate 609 (energy, marine and aviation risks, non-marine property, war, and more). The company provides its services throughout the UK using a direct sales force.

Pacific Life & Annuity can turn your wishes into a plan. Along with parent company Pacific Life Insurance, Pacific Life & Annuity (PL&A) offers annuity and life insurance products to individuals and groups. Unlike Pacific Life, however, PL&A is licensed in the state of New York and offers many of its products only in the New York market. In addition to individual life insurance and annuities, PL&A issues structured settlement annuities, which are used to make payments to injured parties in personal injury and workers' compensation cases, and other financial investment products.

Allianz Insurance is one of the largest general insurance providers in the UK. The company provides property, casualty, and automobile insurance policies to businesses and individuals. The company's largest segment is its commercial division, which provides property, liability, and motor insurance and risk management services. Its personal business products range from such standard fare as car and home coverage to more specialized products such as wedding, musical instrument and pet insurance. Independent brokers, agents, and affinity groups distribute the company's products. It is also growing its direct-to-consumer sales. Allianz Insurance is part of the Munich, Germany-based Allianz SE.

Alleanza Toro is a young company built on an old and long standing foundation. The company, a merger of fellow Assicurazioni Generali subsidiaries Toro Assicurazioni (founded in 1833) and Alleanza Assicurazioni (1898), offers life, property, and business insurance to individuals and small businesses in Italy. The company covers more than 3.3 million customers giving it a 5% market share. In addition to insurance Alleanza Toro also offers pension plans and other financial planning products. Subsidiaries Alleanza, Toro, Lloyd Italico, Augusta Insurance, and DAS combine for more than 2,000 branches operating under the Alleanza Toro umbrella. The company was formed in 2009 when Generali combined the two units.

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.

Euler Hermes Kreditversicherungs helps business owners sleep better at night. The company, which touts itself as the top credit insurer in Germany, offers commercial bonds and guarantees, asset-backed securities, and coverage against bad debt losses and fraud. The firm also offers related commercial services, including risk management, factoring, and debt collection. Euler Hermes Kreditversicherungs, which is a subsidiary of Allianz unit Euler Hermes, traces its roots to the 1917 founding of Hermes Kreditversicherungsbank in Berlin.

Credit Guarantee Insurance of Africa insures that your debtors won't leave you holding the bill. The South Africa-based insurance and reinsurance underwriting firm provides coverage products to businesses that protect them from bad debt and non-payment. Credit Guarantee Insurance of Africa also helps companies spot credit risks, both domestic and international. In business since 1956, the company is owned by insurers, banks, and financial institutions.

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