Combined Insurance Company of America markets and underwrites a combination of supplemental accident, disability, health, and life insurance products. Combined Insurance offers a variety of low premium, low limit accident and health products for middle-income individuals. Its Combined Worksite Solutions division markets exclusively to small businesses while its Combined Select programs offer student insurance products through colleges. Combined Insurance Company of America operates in Europe, North America, and Asia/Pacific. Overseas, Combined Insurance Company of America distributes its products through some 3,000 independent agents while in North America it uses a dedicated sales force of more than 2,000 agents. Combined Insurance is held by ACE Limited.

Samsung Life Insurance is the Korean insurance dragon. As South Korea's largest insurance company (with a commanding market share upwards of one-third) and a part of the Samsung chaebol, the company offers insurance (life, health, and accident), asset management, retirement products (annuities and pensions), and financial products, including mortgage loans. Samsung Life sells both individual and group life insurance through a vast branch network and more than 37,000 salespeople. Reaching beyond Korea, the company has operations in China, India, Japan, Thailand, the UK, and the US. Non-life, or property/casualty insurance is offered by its sister company Samsung Fire & Marine.

Royal Neighbors of America is not referring to Canadians. The company, a not-for-profit fraternal benefit society established in 1895, is all-American. Formed to offer affordable life insurance to US women, who were largely excluded from the life insurance market of the time, today Royal Neighbors sells traditional life insurance products and annuities to both men and women. Its 250,000 policyholders benefit from a number of other membership privileges, including scholarship opportunities and fraternal aid in the wake of illness or disaster. In addition to life insurance, the organization sells Medicare supplemental insurance.

Think of the Society of Lloyd's (dba Lloyd's of London) as a busy market where groups who have risks can meet up with groups who have money to insure risk. As the world's leading insurance exchange, Lloyd's regulates about 80 syndicates run by more than 50 managing agents. Customers include corporate underwriters and wealthy individuals transacting specialty property/casualty insurance business worth billions in premiums each year. Also part of the picture are Lloyd's brokers, who bring business to the market. Lloyd's is a top conduit for aviation and marine insurance, as well as its more specialized specialty insurance covering celebrity body parts or protecting against acts of terrorism.

MEEMIC Insurance Company provides personal auto, homeowners, boat, and umbrella coverages to teachers and other educational employees in the state of Michigan.In 1950, seven teachers formed MEEMIC based on their belief that they could provide an invaluable service to their fellow educators by offering high-quality, affordable insurance protection. Nearly 60 years later, MEEMIC remains a Michigan-based company that proudly reflects our roots in the educational community, and a commitment to offering the finest possible protection, products and service at affordable rates.

Industrial Alliance Insurance and Financial Services covers all of Canada with its individual and group insurance, savings, and retirement products. The company, through its Industrial Alliance Pacific and Excellence Life subsidiaries, sells life, health, and disability insurance, as well as retirement savings plans and annuities to individuals and employers across the country and, to a much lesser extent, in parts of the US. The company manages mutual funds through its IA Clarington unit, and it brokers securities and funds through Investia, FundEX Investments, and Industrial Alliance Securities. Additionally, Industrial Alliance sells auto and homeowners insurance, primarily in Quebec.

MBIA will make sure that bonds get paid, no matter what. Its independent subsidiary, National Public Finance Guarantee Corporation, is a leading provider of insurance for municipal bonds and stable corporate bonds (such as utility bonds) in the US. Separately, its MBIA Insurance Corporation provides global structured finance products and non-US public financial guarantees. MBIA's Cutwater business manages assets for public-sector clients. Other lines of business include tax compliance services and buying and servicing municipal real estate tax liens.

Marsh is a world leader in delivering risk and insurance services and solutions to its clients. From its founding in 1871 to the present day, Marsh has provided thought leadership and innovation for clients and the insurance industry — introducing and promoting the concept and practice of client representation through brokerage, the discipline of risk management, the globalization of insurance and risk management services and many other innovative tools and service platforms.

From pro sports teams to your local parking garage, Crump Insurance Services provides insurance wholesaling services to a broad spectrum of clients. The company's specialty products include cargo insurance, terrorism coverage, and specialized coverage for the sports and entertainment industries. Operating from about 20 offices throughout the US, the company also offers standard lines including workers' compensation, homeowners, and automobile coverage. Former parent company Marsh sold Crump Insurance Services to an affiliate of private equity firm J.C. Flowers & Co. in 2006. In 2007 J.C. Flowers bought BISYS' insurance and retirement fund businesses and combined them with Crump to make the Crump Group.

Operating as Penn National Insurance, the company and its affiliates offer commercial and personal property/casualty insurance and surety bonds. Pennsylvania accounts for 40% of the firm's business. The company's Inservco subsidiary provides third-party claims administration and risk management services for self-insured customers. Independent agents sell the company's products. Penn National Insurance was founded by a farmers' association in 1919.

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