
Comprised of Axis Insurance and Axis Re, AXIS Capital Holdings offers specialty insurance and treaty reinsurance. Its specialty coverage includes terrorism, aviation and marine war, and political risk; commercial property; professional liability; and onshore and offshore energy. AXIS Capital's reinsurance products, which allow for risk-sharing among insurance companies, include catastrophe, property, liability, credit, auto, and engineering lines. The company, which has operations in Australia, Bermuda, Canada, Ireland, Singapore, Switzerland, the UK, and the US, sells its products through brokers including Marsh, Aon, and Willis Group.

AEGON Direct Marketing Services, Inc. (ADMS), through its affiliated insurance carriers and non-insurance companies, is a leading direct marketer of life, supplemental health, credit, and specialty insurance products as well as fee-based programs. Using a variety of direct response techniques such as inbound and outbound telemarketing, point-of-sale, direct mail, television, statement inserts, internet, and more, ADMS offers consumers convenient alternatives for purchasing insurance. With North American and international operations, ADMS currently services over 17 million policies worldwide. Using the endorsement of sponsoring organizations, ADMS develops and executes co-branded marketing programs that deliver results. ADMS works through brokers, agents, and third party administrators as well as directly with business partners. The Company’s expertise and longevity in direct marketing have made it a valued partner of many of the leading financial institutions, associations, retailers, credit unions, catalogers, and employer groups in the United States and around the world. Customized programs range from a full package of product development, administrative, technology, and marketing services, to providing only products or a single service such as product underwriting.

PICO Holdings, Inc., together with its subsidiaries, engages in the ownership and development of water resources and water storage operations in the southwestern United States and Europe. It identifies end users, such as water utilities, municipalities, or developers who require water and develops new sources of water for municipal and industrial usage, as well as constructs and develops water storage infrastructure to facilitate the allocation of available water supplies. The company also develops and sells real estate, and water and geothermal rights; and leases properties for grazing and agricultural uses. In addition, it acquires and develops residential lots, primarily in California. Further, PICO Holdings engages in the acquisition and financing of businesses. PICO Holdings, Inc. was founded in 1981 and is based in La Jolla, California.

Swiss Reinsurance Company Ltd provides reinsurance products and financial service solutions, enabling insurers, corporations, the public sector, and other partners to manage capital and risk challenges worldwide. It offers various reinsurance products covering property and casualty; life and health; and special lines, such as agricultural, aviation and space, engineering, HMO reinsurance, marine, nuclear energy, and special risks. The company also provides insurance products and services comprising agriculture risk transfer solutions, aviation insurance, industrial risk insurer, employer stop loss, NAS surety, small business risk services, space, and weather and energy price risks. In addition, Swiss Reinsurance Company offers Admin Re, a solution through which the company acquires closed blocks of in-force life and health insurance business through reinsurance or corporate acquisition, and assumes responsibility for administering the underlying policies.

Through its Renaissance Reinsurance subsidiary, the Bermuda-based firm indemnifies insurance companies around the globe against excess losses on natural catastrophes, paying insurance claims after they exceed a certain retained amount. Top Layer Re, a joint venture with State Farm, provides excess non-US property catastrophe reinsurance. Another RenaissanceRe venture, DaVinci Reinsurance, covers catastrophes and specialty risks such as terrorism. Subsidiary RenRe offered primary-property insurance in the US until the company agreed to sell it in 2010 to QBE for about $275 million.

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.

Equity Title believes in equal insurance for all its customers. The company is an independent title agency providing title insurance and escrow services. It is the Southern California unit of Title Resource Group, the title, settlement, and vendor management firm that is part of Reology Corporation. The company performs title searches and examinations, conducts the closing of real estate transactions, and disburses funds. Equity Title was founded in 1979 and has offices in Los Angeles (Glendale), San Diego, Santa Ana, and Rancho Mirage, California. Statewide and national affiliates allow the company to extend its reach. First American and Stewart Title Company provide Equity Title's underwriting services.

Founded in 1970 as N.E.L. Permanent Health Insurances Limited (a subsidiary of Surrey-based life insurer NEL), in 1990 Unum Limited became a subsidiary of US-based Unum Corporation (now UnumProvident Corporation) after Unum acquired NEL. E pluribus unum is an apt phrase for describing this company. Unum Limited, which operates as UnumProvident, provides short- and long-term income protection or disability insurance to more than 2 million people in the UK. UnumProvident is the leading UK provider of group income protection and also offers critical illness insurance, as well as executive-income replacement insurance. The company's insurance products cover both employer groups and individuals.

A-ten-schun! American General Life Companies is still among the top brass of US life insurance and financial services firms. It is the marketing name for the domestic life insurance companies and affiliates group of American International Group. American General Life offers clients a variety of products to build their nest eggs, including fixed and deferred annuities. Life insurance offerings include individual and group policies for families, businesses, and affiliation groups. Other products include accident and health insurance and worksite benefits programs.

ERGO is controlled by reinsurance giant Munich Re; the two companies have formed joint venture MEAG MUNICH ERGO AssetManagement to provide financial services. ERGO Insurance Group thinks logically: people need insurance, ergo they sell it! The company comprises a number of firms specializing in life, health, property, casualty, and legal expenses insurance, as well as pensions. Property/casualty and life policies are offered under the ERGO brand, while health, legal, and travel insurance are provided through the DKV, D.A.S., and ERV divisions. ERGO Insurance Group targets individuals and small to midsized businesses.
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