SNS REAAL Groep has a real focus on financial services for Dutch customers, particularly retail clients and small-to-medium businesses. Through several operating units, SNS REAAL offers a wide variety of banking and insurance products in the Netherlands. The group's primary subsidiaries are SNS Bank and REAAL Verzekeringen. SNS Bank provides retail banking services online and through about 150 branch offices throughout the Netherlands. REAAL Verzekeringen offers life and general insurance to retail and business clients through independent financial advisers. In addition, the company operates about a dozen other subsidiaries offering everything from socially responsible banking to sustainable asset management.

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.

Putting life online, Berkshire Hathaway Life Insurance Company of Nebraska peddles insurance over the Internet. As part of a group of affiliated insurers known as BRKDirect.com, Berkshire Hathaway Life provides retirement planning products (single premium deferred annuities and single premium immediate annuities, also known as a lifetime annuity) and personal quotes through its Web site. Berkshire Hathaway Life Insurance is a subsidiary of National Indemnity Company and both are part of the Berkshire Hathaway Group, the insurance operations of Warren Buffett's investment vehicle Berkshire Hathaway.

Magna Carta Companies sells mutual commercial property and casualty insurance through Public Service Mutual Company and its subsidiaries, Paramount Insurance and Western Select Insurance. Offering services in select states, the group focuses on property, liability, and workers' compensation coverage for real estate firms and restaurants. The company also offers coverage to various small-to-medium sized businesses. Established as Public Service Mutual Company in 1925, the New York-based company was founded as a mutual insurance provider for companies in the taxicab business. The company changed its name to Magna Carta Companies in 2000.

Home Sweet Motorhome? Vintage Ford Fairlane? Summer cottage at Coldwater Lake? Foremost Insurance Company will insure them all. Foremost Insurance is a holding company for six insurance companies that underwrite property/casualty insurance primarily for assets on wheels ranging from luxury motor coaches and motorcycles to golf carts and collectible autos. No wheels? Foremost has coverage for boats and snowmobiles as well. Foremost also provides specialty homeowners insurance for rental, seasonal, and vacant homes. Insurance products are sold direct nationwide and through company agencies as well as by independent agents. Founded in 1952, Foremost Insurance became part of the Farmers Group in 2000.

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.

Achieving a high rate of return is the main objective at Fairfax Financial Holdings. The holding company provides insurance, reinsurance, and other financial services. Its subsidiaries (including Northbridge Financial, Falcon Insurance,and Crum & Forster) focus on property/casualty coverage such as commercial, auto liability, trucking, and accident insurance in Singapore, Hong Kong, the US, and Canada. Fairfax's reinsurance operations span North America, the UK, and Central Europe. Chairman and CEO Prem Watsa's unorthodox business strategies have been compared to those of Warren Buffett; he controls about half the voting rights of Fairfax Financial.

In the consolidating European insurance industry, Aviva is a lively player. As the top insurance provider in the UK and a leading insurance firm worldwide, Aviva offers both life and general insurance. Its long-term savings segment focuses on life insurance, pensions, unit trusts, and other products; its general insurance segment includes the stuff which is called "non-life" or "property/casualty" elsewhere: home, auto, and fire coverage. Its Aviva Investors arm provides asset management globally. In the UK it also offers private medical insurance through employers. While most of the company's businesses operate under the Aviva banner, it also operates local businesses under other brands, including RAC.

The IHC Group is an organization of affiliated insurance carriers, marketing and administrative companies and agencies dedicated to delivering insurance solutions to groups and individuals. The IHC Group is composed of Independence Holding Company (NYSE: IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc., Independence American Insurance Company and their respective operating subsidiaries. With more than $1.3 billion in total assets, the companies in the IHC Group have been providing life, health, disability and stop-loss insurance for over 25 years.

A Brief History of UIC UIC, Inc. was established by Jerold Armstrong in 1965 as a manufacturer's representative firm and has grown into a full manufacturing and R&D facility.Currently, UIC is composed of two divisions: Instruments and Pumps. The Instrument Division manufactures coulometric carbon and sulfur analysis systems, vapor pressure and membrane osmometers, and kinematic/dynamic viscosity systems. UIC is also the exclusive US distributor for Cosmo automatic asphaltene analyzers.The Pumps Division operates under the Uniquest name and has been a division of UIC since the mid-1980s. The Pumps Division manufactures products for OEM applications for HPLC and GC manufacturers worldwide.

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