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.

Bituminous provides quality insurance services to special industries including construction, forest products and oil & gas. You are invited to take a closer look at Bituminous' insurance programs specially designed for these industries. Primarily Bituminous is known for workers compensation, general liability, commercial automobile and commercial property insurance lines.

AFBA's for-profit 5Star Financial division, founded in 1989, sells to the general public, offering individual life insurance, supplemental health insurance, and other financial services such as banking and mutual funds. Taking risks that might scare off other commercial insurance companies, Armed Forces Benefit Association (AFBA) provides group life insurance products for military personnel, government employees, police officers and firefighters, and defense department contractors. The not-for-profit membership association was established in 1947 and has some 300,000 members; its policies contain no war or terrorism restrictions. It sells property/casualty policies through affiliate Armed Forces Insurance.

Arrowpoint Capital Corp. was a subsidiary of UK-based insurer Royal & Sun Alliance, but suffered from relentless trimmings when its business was deemed to be noncore. The business was eventually acquired by a group of its management and outside directors. Renamed Arrowpoint Capital, it operates through its Royal Indemnity, Royal Surplus Lines Insurance, and Security Insurance Company of Hartford subsidiaries. The company continues to offer individual and commercial property/casualty coverage under the Royal Care brand.

Maine Employers' Mutual Insurance Company (MEMIC) is a private mutual insurance company that opened for business in January 1993. MEMIC was, and remains, the keystone to the landmark 1992 reforms of Maine workers' compensation law passed by the Maine Legislature and signed by then - Gov. John R. McKernan.Among other reforms, this legislation called for the creation of MEMIC as a private company that would serve as the guarantor of workers' compensation insurance for Maine companies. With its private structure, MEMIC serves as a competitive force within the workers' compensation insurance market.

One part of the Faraday Group, Faraday Holdings is the parent company of Faraday Underwriting, which in turn is the manager of the Faraday Syndicate 435 at Lloyd's. Funding for the syndicate (to the tune of $575 million in 2004) is provided by another subsidiary, Faraday Capital. Berkshire Hathaway acquired the syndicate in 1999 and Faraday Holdings is now a subsidiary of Berkshire's General Re. The company provides risk management underwriting through three primary teams: property, casualty, and aviation. The Faraday Group also includes Faraday Reinsurance, a separate unit of General Re.

The its founding nearly a half century ago, Republic Indemnity has served the workers' compensation needs of small and medium-sized businesses in California and the western United States. That has always been our sole focus and remains so today. There customers have justifiably come to rely on our knowledgeable professionals, who combine responsive service to policyholders with innovation in developing customized programs. For its many satisfied customers, Republic Indemnity provides the peace of mind they need and they deserve.

The Harford Mutual Insurance Company are a provider of property and casualty insurance products and services for businesses. We offer tailored coverage coupled with claims service that is fast, fair and responsive.An independent agent representing our company can match the right insurance products from the right insurance company to the customer's needs. They work for the insurance buyer, not for the insurance company. Use the Agency Locator to identify an agent in your area.

Berkley Mid-Atlantic Group, LLC is a commercial property & casualty insurer protecting a wide range of businesses and market segments. There policies are issued exclusively through independent agents, who serve our insureds throughout the Mid-Atlantic region, including Pennsylvania, Maryland, Delaware, Virginia, North and South Carolina,Washington D.C. and Ohio.They are part of the W.R. Berkley Corporation , an A+ rated (Superior) Fortune 500 company. At Berkley Mid-Atlantic Group, LLC, we combine the best of both worlds - the financial backing of a Fortune 500 company and local regional service.

Allianz Worldwide Care is there for travelers feeling under the weather in exotic climes. The subsidiary of Allianz provides health insurance for expatriates and their dependents throughout the world. Operating 24-hour help-lines in English, French, German, Italian, and Spanish, Allianz Worldwide Care provides emergency medical assistance and direct settlement with health care providers for inpatient treatment. The company also helps clients locate the nearest hospital and specialist. For those who need to be abroad temporarily, Allianz Worldwide Care provides health-insurance plans lasting between 90 and 300 days.

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