AXA Equitable Life Insurance is the US life insurance and annuities underwriting arm of its globe-spanning ultimate parent, AXA. The company has some 2.3 million life insurance policies in force, and is licensed throughout the US and Puerto Rico. Policies are sold through affiliates AXA Advisors (retail brokerage) and AXA Distributors (wholesale brokerage that sells to independent brokers and advisors), as well as corporate sales representatives. AXA Equitable, a subsidiary of AXA Financial, offers investment management services through affiliate Alliance Bernstein; together the firms have about $570 billion in assets under management. This company definitely has what it takes to be equitable.

United Property & Casualty Insurance Company ("UPC") is a Florida domiciled Property & Casualty stock insurance company located in St. Petersburg, Florida. UPC is a wholly owned subsidiary of United Insurance Holdings, L.C. whose parent company is United Insurance Holdings Corp., a publicly traded company. UPC's operations are administered by United Insurance Management, L.C., as Managing General Agent.

Harleysville Worcester Insurance, the oldest insurance company based in Massachusetts, provides multiple lines of commercial property and casualty coverage in the northeastern US. A network of independent agents sell the company's products, which include workers' compensation and home-owned business policies. The firm writes insurance in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont; it is also licensed in Michigan and Ohio. Worcester Insurance Company, established in 1823, was acquired by Harleysville Group in 1983; the present name was adopted in 2001.

WISCONSIN REINSURANCE CORPORATION (WRC) markets to a broad spectrum of mutual insurance companies in the Midwest. With many years of experience in designing and implementing reinsurance contracts to fit the client company's needs, WRC is acknowledged as a leader in addressing the reinsurance and service needs for our clients.

SunAmerica Annuity and Life Assurance (formerly AIG SunAmerica Life Assurance) never wavers in its mission to sell variable annuities. The company is one of the many subsidiaries of AIG Retirement Services and ultimately in the family of insurance giant AIG. Along with its sister company AIG VALIC, it is one of the US's top issuers of variable annuities, which are distributed through independent financial advisors, brokerages, and financial institutions. It also administers closed blocks of institutional investment products (fixed annuities and universal life policies). However, parent firm AIG has announced that it will sell all of its US life insurance operations, including SunAmerica Annuity and Life.

Frenkel & Co., Inc. (“Frenkel”) was founded in 1878 by Emil Frenkel, a German immigrant. His sons, George and Leo, participated in the business and emulated Emil’s pioneering spirit and leadership. They firmly established Frenkel’s presence and reputation in the New York insurance market with the imagination and ingenuity characteristic of the American dream. In 1985, the Frenkel & Co., Inc. Employee Stock Ownership Plan (ESOP) was established, allowing Frenkel to remain an independent broker. Frenkel’s ownership remained in the ESOP structure until it was purchased in January 2001 by our current President and Chief Executive Officer, John F. Kelly, and current Chairman of our Board of Directors, Robert E. Shunk.

SBLI USA Mutual Life Insurance Company began life in 1939 as The Savings Banks Life Insurance system, which had been promoted by former Supreme Court Justice Louis Brandeis as a means to provide "ordinary working people" with life insurance sold through more than 20 savings banks in New York. Today SBLI USA and subsidiary S.USA Life Insurance serve 300,000 policyholders across the US. The company has stuck to its original mandate and sells individual and group life insurance and other products through banks, though its primary source is direct marketing. In addition to life insurance, SBLI USA's offerings also include accident insurance and annuities.

Rain and Hail Insurance Service is among the largest crop insurers; it is an underwriter for multiple lines of insurance for agents and rural policyholders in Canada and the US. Covering family farms to corporate farms its products run the gamut from low farm revenue to agribusiness risk management, from crop hail insurance to livestock risk protection. The company also provides claims adjusting and accounting services. It operates about 10 divisional offices across the US, as well as in Canada. Rain and Hail has agreed to be acquired by ACE Limited, which already holds 20% of the company's stock.

Monitor Liability Managers, Inc. is an underwriting management company specializing in professional liability insurance. We have the proven record, financial strength and people to provide our clients with first-rate protection. Our business focus and broad experience set us apart in this industry. there management team has been with Monitor since 1992. There are other companies you could choose to work with. None of them can bring the wealth of expertise and length of service that Monitor can.

MGIC (www.mgic.com), the principal subsidiary of MGIC Investment Corporation, is the founder and leader of the private mortgage insurance industry, serving more than 3,300 lenders with locations across the country and Puerto Rico. MGIC provides a critical component of our country's residential mortgage finance system, protecting mortgage investors from credit losses. Mortgage insurance from MGIC also benefits consumers by helping them achieve homeownership sooner with low-down-payment loans.

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