In the early 1980s, CPAs were faced with a mounting liability insurance crisis. The major insurance carriers, victims of their own rate-cutting war, found themselves with insufficient funds to cover their claims. Most companies discontinued their professional liability insurance coverage for CPAs. Those who continued to offer CPAs liability insurance imposed huge premium increases to cover cash shortfalls. As a result, liability coverage became unaffordable for many CPAs.

Financial Guaranty Insurance Company provided credit enhancement on public finance (including transportation, state and local leases, and municipal electric utility), structured finance (asset-backed securities including mortgage and consumer loans), and global infrastructure and utility securities. FGIC has historically guaranteed the scheduled payments of principal and interest on an issuer's obligation. Founded in 1983, the company is owned by investors including mortgage guaranty insurer The PMI Group. FGIC is currently not issuing new policies or paying claims.

Mutual of Omaha, which is owned by its policyholders, offers its products through both its agency sales force and independent agents, as well as direct marketing. In the wild kingdom that is today's insurance industry, Mutual of Omaha Insurance Company wants to distinguish itself from the pack. Mutual of Omaha Insurance Company provides individual, group, and employee benefits products through a range of affiliated companies. It offers Medicare supplement, disability, and long-term care coverage as well as life insurance and annuities through its United of Omaha Life Insurance unit. Its Mutual of Omaha Investor Services offers brokerage services, pension plans, and mutual funds, while the Mutual of Omaha Bank operates regionally.

Grupo Nacional Provincial has got Mexico covered -- from the insurance standpoint. One of Mexico's largest insurance providers (second to Metlife Mexico), Grupo Nacional Provincial provides accident, life, health, and auto insurance in addition to related financial products. The company sells its products through a national network of more than 5,000 agents operating from about 170 offices. GNP is part of Grupo Bal, along with its sister companies Media Integral GNP, Medica Movil, Credito Afianzador, and Valmex Soluciones Financieras.

FBL Financial Group, Inc., through its subsidiaries, sells individual life insurance and annuity products in the United States. The company provides whole life, term life, and universal life policies; annuity and investment products; supplementary contracts; traditional fixed rate and index annuities; and a line of personal and commercial property-casualty insurance products. It also offers variable universal life insurance and variable annuity contracts. The company markets its individual annuity products through independent agents and brokers; and variable products through alliances with other insurance companies. As of December 31, 2009, its Farm Bureau life distribution channel consisted of 2,020 exclusive agents and agency managers; and EquiTrust life independent distribution channel consisted of 20,195 independent agents. FBL Financial Group was founded in 1993 and is headquartered in West Des Moines, Iowa.

American Heritage Life Insurance Company (American Heritage Life®) was founded in 1956 in Jacksonville, FL and has expanded to a national presence. The company is licensed to conduct business in 49 states, Puerto Rico, the District of Columbia, Guam, and the U.S. Virgin Islands. In October 1999, American Heritage Life was acquired by The Allstate Corporation and now uses the marketing name of Allstate Workplace Division. All products are underwritten by American Heritage Life, a subsidiary of The Allstate Corporation. Our home office is located in Jacksonville, Florida. More than 31,000 agents are licensed to sell American Heritage Life workplace and direct products. Our portfolio of products currently include universal life, term life, disability income, cancer, accident, heart & stroke, critical illness, hospital indemnity, vision and dental insurance. Workplace products are now offered to more than 20,000 companies.

Northbridge is the largest commercial P&C insurance group in Canada, with premiums of approximately $1.4 billion. Northbridge seeks to bring long term value to our shareholders, insureds and brokers by focusing on diversified Canadian business, operational excellence, innovative differentiation, and a proactive mindset of continuous improvement. We are Canadian owned and operated

Korean Reinsurance isn't content just to be one of Asia's largest reinsurance companies. Established in 1963, Korean Re provides both life and non-life reinsurance services for fire and engineering, marine and aviation, casualty and bond, and automotive purposes, among others. Approximately 80% of its premiums originate in Asia (including the Middle East and Africa), with the balance coming from Europe and the Americas. Property and engineering premiums lead the company's portfolio, comprising about 20% of gross premiums written. However, the company has been experiencing growth in its casualty, life, and overseas lines. Korean Re is expanding its global foothold with offices in the US, Europe, and Asia.

Alliant Insurance Services' specialty is commercial and specialty insurance. The company brokers multi-line commercial property/casualty insurance, as well as surety bonds and employee benefits through more than 30 offices scattered across the US and in Canada. Offering several specialty programs, the company operates a large public entity business, and it has expertise in providing insurance for energy and health care companies, tribal nations, law firms, and the real estate and construction industries

Prudential plc provides retail financial services in Asia, the United States, and the United Kingdom. It offers savings, protection, investment, and unit-linked products; and manages retail assets investing in equities, fixed income, and structured products, as well as institutional and internal assets investing in equities, fixed income, property, and private equity. The company also provides retirement savings and income solutions, variable annuities, fixed and fixed index annuities, term and permanent life insurance, and institutional products, as well as asset management and retail brokerage services. In addition, it offers retail products, such as individual annuities, income drawdown, individual and corporate pensions, with-profits and unit-linked bonds, lifetime mortgages, and health insurance products; and wholesale products, including bulk annuities and annuity back-books. Further, Prudential plc manages funds for retail businesses, including open ended investment companies and unit trusts, investment trusts, and individual savings accounts; and institutional businesses, which include segregated equity and fixed interest, pooled pension funds, and structured and private finance. Prudential plc offers its products through independent broker-dealers, independent agents, banks, regional broker-dealers, registered investment advisors, and financial advisers, as well as directly to customers through telephone, Internet, and mail. It has strategic partnerships with China International Trust and Investment Corporation Group, ICICI Bank, and Bank of China International. Prudential plc was founded in 1848 and is headquartered in London, the United Kingdom.

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