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Prudential plc provides retail financial services in Asia, the United States, and the United Kingdom. It offers savings, protection, investment, and unit-linked products; and manages retail assets investing in equities, fixed income, and structured products, as well as institutional and internal assets investing in equities, fixed income, property, and private equity. The company also provides retirement savings and income solutions, variable annuities, fixed and fixed index annuities, term and permanent life insurance, and institutional products, as well as asset management and retail brokerage services. In addition, it offers retail products, such as individual annuities, income drawdown, individual and corporate pensions, with-profits and unit-linked bonds, lifetime mortgages, and health insurance products; and wholesale products, including bulk annuities and annuity back-books. Further, Prudential plc manages funds for retail businesses, including open ended investment companies and unit trusts, investment trusts, and individual savings accounts; and institutional businesses, which include segregated equity and fixed interest, pooled pension funds, and structured and private finance. Prudential plc offers its products through independent broker-dealers, independent agents, banks, regional broker-dealers, registered investment advisors, and financial advisers, as well as directly to customers through telephone, Internet, and mail. It has strategic partnerships with China International Trust and Investment Corporation Group, ICICI Bank, and Bank of China International. Prudential plc was founded in 1848 and is headquartered in London, the United Kingdom.

Regence Life & Health Insurance is a provider of group life, disability, and accidental death and dismemberment insurance. It also offers supplemental programs in weight management, hearing aid service discounts, child safety and health products, dental care products, and laser vision correction services. Regence Life & Health is active in four states in the Pacific Northwest: Idaho, Oregon, Utah, and Washington. Regence Life and Health Insurance Company is the life and disability subsidiary of The Regence Group, which operates the largest group of Blue Cross Blue Shield companies in the region.

Reinsurance Group of America, Incorporated, an insurance holding company, engages in individual and group life, annuity, asset-intensive, critical illness, and financial reinsurance in the United States, Canada, Europe, South Africa, and the Asia Pacific. It provides reinsurance for a portfolio of life insurance products, including term life, credit life, universal life, whole life, group life, joint and last survivor insurance, and critical illness, as well as annuities and financial reinsurance. The company’s asset-intensive reinsurance products primarily include reinsurance of corporate-owned life insurance and annuities. It also offers reinsurance for mortality, morbidity, lapse risks, and investment-related risks. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.

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.

Responding to the hardship faced by many Liverpudlians in the mid 19th century, nine local men decided they could make a difference to people’s lives by forming the Liverpool Lyver Burial Society, which would fund funerals and save families from financial ruin when a wage-earning relative passed away. The society was registered in 1850 and it grew so fast that by 1907 it was called the Royal Liver Friendly Society – the Royal Liver Assurance that exists today – and work had started on our new Royal Liver Building head office at Liverpool’s Pier Head. During the 20th century, Royal Liver Assurance expanded to cover the whole of the United Kingdom and the Republic of Ireland. We continued our mission to protect the poor and provide financial services to people during times of major change.As a friendly society or a ‘mutual’, Royal Liver Assurance is not owned by shareholders but by our members – everyone that takes out a policy. This means our main aim is to operate for the benefit of our members and we are totally committed to putting their interests at the heart of everything we do. Members have the opportunity to be involved in running Royal Liver Assurance through our Delegation – elected representatives of our membership. This echoes our traditional values but today, we look after around 3.5 million policies for almost two million members. We also have more than £3.7 billion pounds in funds and provide a range of financial services to people in the United Kingdom and the Republic of Ireland.

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