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.

Prudential Financial, Inc., through its subsidiaries, provides various financial products and services in the United States, Asia, Europe, and Latin America. The company operates through three divisions: The U.S. Retirement Solutions and Investment Management, The U.S. Individual Life and Group Insurance, and The International Insurance and Investments. The U.S. Retirement Solutions and Investment Management division offers individual variable and fixed annuity products, as well as provides retirement investment and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors. This division also provides investment management and advisory services to the public and private marketplace. The U.S. Individual Life and Group Insurance division provides individual variable life, term life, and universal life insurance products; and group life, long-term and short-term group disability, long-term care, and group corporate-owned and trust-owned life insurance products to institutional clients. It also sells accidental death and dismemberment, and other ancillary coverages, as well as provides plan administrative services. In addition, this division offers preferred provider and indemnity dental coverage plans to clients. The International Insurance and Investments division provides international individual life insurance products in Japan, Korea, and other foreign countries; and provides proprietary and non-proprietary asset management and investment advice and services to retail and institutional clients internationally. In addition, the company engages in real estate brokerage franchise business, which involves marketing its franchises to the real estate companies. Further, it provides institutional clients and government agencies with various services in connection with the relocation of their employees. Prudential Financial was founded in 1875 and is headquartered in Newark, New Jersey.

The Navigators Group's various subsidiaries write marine, liability, and other lines of business, primarily in the US and the UK. Its Navigators Insurance and Navigators Underwriting Agency (a Lloyd's of London agency) units write ocean and marine insurance including hull, energy, and cargo insurance, as well as property insurance for onshore energy concerns. Navigators Specialty primarily provides excess and surplus (high risk) lines and general liability coverage for contractors. The firm's subsidiaries are also involved in professional liability, especially directors and officers coverage.

Four European mutual companies formed White Mountains Reinsurance Company of America (formerly Folksamerica Reinsurance Company) in 1980. Since then, White Mountains Reinsurance Company of America (“White Mountains Re America”) has employed a focused, forward-looking strategy that has provided a foundation for our growth, strengthened our financial position and established our reputation for quality. In 1996, seeing the need for continued surplus growth, White Mountains Re America attracted the interest of White Mountains Insurance Group, Ltd. (“White Mountains”).

American Safety Insurance Holdings (ASI) was part of the first wave of insurance firms domiciling in this tax-sheltered location. Formed to offer insurance to asbestos removers and other environmental risk-remediation providers, the company has expanded into other specialty lines. American Safety Insurance now underwrites residential and commercial construction risks, as well as professional and product liability, and excess and surplus policies. The company also offers alternative risk transfer programs that rely on some measure of self-insurance or shared risk on the part of the insured. The firm sells through a network of 250 agencies in the US.

PartnerRe Ltd. (NYSE, Euronext: PRE) is a provider of risk-assumption solutions for the global insurance and capital markets. We provide insurance companies with multiple lines of reinsurance — property & casualty, catastrophe, specialty lines, life, and alternative risk transfer — through our offices around the world.

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.

When it comes to protecting what matters most, trust matters. From the smallest fender-bender to a storm-damaged home, Safeco has stood ready at the most trying moments for more than 85 years. A member of Liberty Mutual Group with the financial strength to deliver security and value, we offer national reach combined with local market knowledge. We have over 3,000 employees across the country dedicated to meeting the needs of people like you.

Through its three subsidiaries,RLI Corp. mainly offers coverage for US niche markets -- risks that are hard to place in the standard market and are otherwise underserved. It focuses on public and private companies as well as non-profit organizations. RLI's property/casualty lines include commercial and personal liability, commercial property, directors and officers liability, general liability, and surety. Transportation, employers excess indemnity, and residential property are among its other lines.

For over 30 years Total Financial has been the primary independent resource for producers who dominate their marketplace. We are one of the nation’s leading experts in developing and underwriting life insurance for wealthy individuals and corporations. The companies we represent, several of whom we lead every year, value our input and consult with us to keep them on the cutting edge of the brokerage world. Today they offer the successful insurance producer a powerful package of skill and selection. You get the most for your clients in this dynamic life insurance marketplace.

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