Risk management issues can force an organization’s focus to shift away from its core business. In today’s world, the threats of a constantly evolving global marketplace are rapidly growing in scope and magnitude. The reality is that risk management concerns build anxiety in companies.Unmanaged risk will blindside, steal resources, diminish profits, and keep skilled managers laboring in areas outside their expertise. It’s a recipe for executive insomnia.

Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best*, Reliance Standard began its centennial year in 2006. Reliance Standard Life Insurance Company provides insurance products and services in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, home office: New York, N.Y. Product availability and features may vary by state. It distributes its products through independent agents and brokers.

Donegal Group Inc., through its subsidiaries, provides personal and commercial lines of property and casualty insurance products to businesses and individuals in the United States. Its personal lines of insurance products include private passenger automobile insurance, which provides protection against liability for bodily injury and property damage arising from automobile accidents, and protection against loss from damage to automobiles owned by the insured; and homeowners insurance that offers coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as covers liability of the insured arising from injury to other persons or their property.

The National Security Group, Inc., an insurance holding company, provides various property and casualty, and life insurance products and services in the United States. It operates in two segments, Property and Casualty Insurance, and Life Insurance. The Property and Casualty Insurance segment primarily provides personal lines coverage, including dwelling fire and windstorm, homeowners, mobile homeowners, ocean marine, and personal non-standard automobile lines of insurance in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, Oklahoma, South Carolina, Tennessee, and West Virginia, and operates on a surplus lines basis in the states of Louisiana, Missouri, and Texas. The Life Insurance segment principally offers ordinary life, accident and health, supplemental hospital, and cancer insurance products in Alabama, Florida, Georgia, Mississippi, South Carolina, and Texas. The company markets its products through a field force of agents and career agents, as well as through a network of independent agents and brokers. The National Security Group, Inc. was founded in 1947 and is based in Elba, Alabama.

The world's oldest mutual life insurance company isn't aging well. The Equitable Life Assurance Society, founded in 1762, provided life insurance, annuities, pensions, and permanent health insurance to some 650,000 customers in the UK, Germany, and Ireland, until it ceased writing new business in 2000 after a House of Lords ruling that it underpaid some 90,000 guaranteed-annuity policyholders. After losing its court battle, it sought a buyer. Mortgage bank Halifax plc bought much of the troubled company and formed Halifax Equitable (part of Lloyds Banking Group, formerly HBOS plc). Equitable Life has given up hopes of a buyer and intends to just let its business continue until there are no more policy holders.

The IHC Group is an organization of affiliated insurance carriers, marketing and administrative companies and agencies dedicated to delivering insurance solutions to groups and individuals. The IHC Group is composed of Independence Holding Company (NYSE: IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc., Independence American Insurance Company and their respective operating subsidiaries. With more than $1.3 billion in total assets, the companies in the IHC Group have been providing life, health, disability and stop-loss insurance for over 25 years.

In the 17th Century London's importance as a trade centre led to an increasing demand for ship and cargo insurance.Lloyd's coffee house became recognised as the place for obtaining marine insurance. From its first beginnings in Edward Lloyd’s Coffee House in 1688, Lloyd’s has been a pioneer in insurance. Starting with its roots in marine insurance, Lloyd’s has grown over 300 years to become the world’s leading market for specialist From 17th century shipping and Lord Nelson’s victory at the Battle of Trafalgar, through the devastation of the San Francisco earthquake in 1906, and on to the emergence of space satellite technology in the late 20th century, the story of Lloyd’s is both a long and an interesting one.

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.

Americo Life sells insurance to cover American lives. The holding company sells life insurance and annuities to individuals, families, and groups, mainly through its Americo Financial Life and Annuity Insurance unit. Americo Life companies also offer insurance policies that cover funeral expenses and mortgages. Policies are distributed through 15,000 independent agents nationwide to about 850,000 policyholders. The firm is a wholly owned subsidiary of Financial Holding Corporation, which the family of chairman Michael Merriman controls. Other Financial Holding business interests include real estate ventures in the Southeast and a 50% stake in Argus Health Systems, a processor of prescription drug claims.

XL Group plc, through its subsidiaries, provides insurance and reinsurance coverages to industrial, commercial, and professional firms, insurance companies, and other enterprises worldwide. The company operates in three segments: Insurance, Reinsurance, and Life Operations. The Insurance segment provides property, casualty, professional liability, environmental liability, aviation and satellite, marine and offshore energy, equine, fine art and specie, and excess and surplus lines, as well as other insurance coverages, including program business. The Reinsurance segment provides casualty, property risk (including energy and engineering), property catastrophe, marine, aviation, and other specialty reinsurance on a global basis with business being written on both a proportional and non-proportional basis and in certain limited instances on a direct basis. The Life Operations segment provides life reinsurance on business written by life insurance companies, principally to help them manage mortality, morbidity, survivorship, investment, and lapse risks. XL Group plc was formerly known as XL Capital Ltd and changed its name to XL Group plc in July 2010. XL Group plc was founded in 1986 and is based in Dublin, Ireland.

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