Desjardins Financial Security Life Assurance nurtures a garden of insurance and investment products. The subsidiary of the Desjardins Group offers individual and group life and health insurance, as well as a variety of investment products and other financial services, to some 5 million Canadians. The company's products are distributed through the caisses (savings banks) that make up the Desjardins Group network; Desjardins Financial Security also sells through independent agents, brokers, and financial institutions, as well as via direct marketing (online and telephone).

W. R. Berkley Corporation offers an assortment of commercial property/casualty insurance across five segments. Its specialty insurance segment underwrites complex third-party liability risks, especially excess and surplus lines, professional liability, and commercial transportation insurance. Its regional segment offers commercial insurance focused on small to midsized business customers and state and local governments through regional subsidiaries. The alternative markets segment develops self-insuring programs aimed at employers and employer groups. W. R. Berkley also does a bit of reinsurance and a smidgen of international property/casualty underwriting.

Swiss Re America is the North American subsidiary of Swiss Re, the Zurich, Switzerland-based reinsurance giant. The company handles Swiss Re's business in the Americas in the areas of property/casualty and life and health. It reinsures life, health, property, motor, and liability policies for global and regional insurance firms, as well as US-based companies with global operations. Swiss Re America specializes in ocean marine reinsurance. In addition, the company provides financial planning and analysis services, as well as claims handling. Swiss Re's operations in the Americas account for about 40% of its total global insurance premiums.

Four European mutual companies formed White Mountains Reinsurance Company of America (formerly Folksamerica Reinsurance Company) in 1980. Since then, White Mountains Reinsurance Company of America (“White Mountains Re America”) has employed a focused, forward-looking strategy that has provided a foundation for our growth, strengthened our financial position and established our reputation for quality. In 1996, seeing the need for continued surplus growth, White Mountains Re America attracted the interest of White Mountains Insurance Group, Ltd. (“White Mountains”).

Novae Group offers insurance and reinsurance underwriting through the Lloyd's of London market. Subsidiary Novae Syndicates manages Lloyd's Syndicate 2007, which handles property and specialty policies, including marine, aviation, energy, medical malpractice, and political risk lines, in the UK and internationally. (Syndicates are groups of underwriters who specialize in particular risk categories.) It also operates a separate company, Novae Insurance Company, for European commercial lines written outside of the Lloyd's cost structure. The company underwent restructuring efforts in 2007, including the combining of its two syndicates into one.

Assured Guaranty Ltd. (AGL or, together with its subsidiaries, Assured Guaranty) is a Bermuda-based holding company whose subsidiaries provide credit enhancement products to the capital markets through its three principal insurance subsidiaries: Assured Guaranty Corp. (AGC), Assured Guaranty Municipal Corp. (AGM) and Assured Guaranty Re Ltd. (AG Re). In addition to its headquarters in Hamilton, Bermuda, Assured Guaranty has offices in New York, San Francisco, London, Madrid, Sydney and Tokyo.

Sammons Enterprises summons its revenues from several sources. The diversified holding company's operations include the Sammons Financial Group (life insurance and financial services) and Briggs Equipment (heavy equipment sales and rentals). Its insurance and financial group includes Midland National Life Insurance, North American Company for Life and Health Insurance, and Sammons Annuity Group. Sammons Enterprises also owns The Grove Park Inn Resort in Asheville, North Carolina. The company's list of partially owned holdings runs the range from real estate investments to oilfield suppliers. It is owned by its employees and prefers to invest in companies with strong employee-ownership programs.

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.

What if your auto insurance company could also issue you a driver's license? It can in western Canada, where Insurance Corporation of British Columbia (ICBC) is not only the sole provider of British Columbia's (BC) mandated basic auto insurance coverage, but is also in charge of operating the province's motor vehicle department. Formed by the provincial government in 1973, ICBC provides liability and uninsured motorist coverage to about 2.6 million customers through its required Basic Autoplan policy. The company also issues drivers' licenses and offers other standard motor vehicle services. ICBC is regulated by The BC Utilities Commission, which approves the insurance company's rates.

Triple-S Management Corporation operates as a managed care company in Puerto Rico. The company, through its subsidiaries, provides health benefits services to subscribers through contracts with hospitals, physicians, dentists, laboratories, and other organizations. It offers managed care plans for healthcare services that include emergency care, inpatient hospital and physician care, and outpatient medical services, as well as supplemental services, such as dental, vision, behavioral, and prescription drugs. Triple-S Management Corporation also underwrites life, accident and disability, and health insurance policies, including annuities; and property and casualty insurance policies, such as personal and commercial auto, commercial multiple peril, fire and allied lines, auto physical damage, auto liability, dwelling, and other general liabilities insurance, as well as involves in the administration of annuity contracts. In addition, the company provides healthcare advisory services and other health insurance-related services to the health insurance industry. It markets its managed care products to corporate accounts, federal and local government employees, individuals, and Medicare recipients and reform enrollees through internal sales force, and a network of independent agents and brokers. Triple-S Management was incorporated in 1997 and is based in San Juan, Puerto Rico.

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