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.

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, offers property and casualty insurance products to small businesses and individuals in New York. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies was founded in 1961 and is based in Hewlett, New York.

Allianz Insurance is one of the largest general insurance providers in the UK. The company provides property, casualty, and automobile insurance policies to businesses and individuals. The company's largest segment is its commercial division, which provides property, liability, and motor insurance and risk management services. Its personal business products range from such standard fare as car and home coverage to more specialized products such as wedding, musical instrument and pet insurance. Independent brokers, agents, and affinity groups distribute the company's products. It is also growing its direct-to-consumer sales. Allianz Insurance is part of the Munich, Germany-based Allianz SE.

RAM Holdings Ltd. was founded in 1998 as a Bermuda-based provider of financial guaranty reinsurance. We conduct substantially all of our operations through our wholly owned subsidiary, RAM Reinsurance Company Ltd. They provide financial guaranty reinsurance for public finance and structured finance obligations, covering risks in both the United States and international markets. They insure policies underwritten by our primary financial guaranty insurance company customers to a remote-loss standard, meaning that risks are insured only if an insurer expects that no loss will occur during the term of the policy.

MARC my words: If the subject is reinsurance, MARC is ready to talk. Munich American Reassurance Company (MARC) is the US-based life reinsurance subsidiary of global industry giant Munich Re (its sister company Munich Reinsurance America provides property/casualty reinsurance). MARC provides life, annuity, disability, and health reinsurance for insurance companies throughout the US. The company, founded in 1959, writes reinsurance for annuities, credit insurance, and long-term care insurance. It also provides risk management services. Munich American Reassurance Company has offices in Atlanta and Chicago.

Markel Corporation markets and underwrites specialty insurance products and programs. It operates in three segments: Excess and Surplus Lines, Specialty Admitted, and London markets. The Excess and Surplus Lines segment writes property and casualty insurance outside of the standard market for hard-to-place risks, including catastrophe-exposed property, professional liability, products liability, general liability, commercial umbrella, and other coverages. The Specialty Admitted segment writes risks that remain with an admitted insurance company for marketing and regulatory reasons. It writes specialty program insurance, personal and commercial property, and liability coverages. The London markets segment writes specialty property, casualty, professional liability, equine and marine insurance, and reinsurance. The company was founded in 1930 and is based in Glen Allen, Virginia.

Farm Bureau Property & Casualty (formerly Farm Bureau Mutual Insurance) offers property/casualty insurance products, primarily to farmers, ranchers, and agricultural businesses in the Midwest and West. Its lines of coverage include farmowners, homeowners, commercial liability, crop, auto, and disability. Farm Bureau Property & Casualty operates in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. The insurance provider and its sister company, Western Agricultural Insurance, are managed by FBL Financial Group. The company is headed by former Allstate Financial CEO James Hohmann.

Companion Life Insurance Company was founded in 1971. Companion Life Insurance makes sure no one has to face death, disability, or the dentist all alone. Companion Life Insurance, one of several subsidiaries of Blue Cross & Blue Shield of South Carolina, specializes in employee benefits, including life, disability, dental, vision, and accidental-death coverage. It has packages for small and large employers, and a complete line of voluntary products and plans. Independent and affiliated brokers, agents, and managing general underwriters (MGUs) sell the company's products. Companion Life operates in most US states and the District of Columbia.

Allianz Worldwide Care is there for travelers feeling under the weather in exotic climes. The subsidiary of Allianz provides health insurance for expatriates and their dependents throughout the world. Operating 24-hour help-lines in English, French, German, Italian, and Spanish, Allianz Worldwide Care provides emergency medical assistance and direct settlement with health care providers for inpatient treatment. The company also helps clients locate the nearest hospital and specialist. For those who need to be abroad temporarily, Allianz Worldwide Care provides health-insurance plans lasting between 90 and 300 days.

ACE USA provides a comprehensive range of property/casualty, risk management, accident, disaster, professional lines, workers' compensation, and health insurance products to individuals and businesses throughout the US. It sells these through licensed insurance brokers. ACE USA has dedicated efforts to tailor its services to four specialized industries: construction, health care, energy, and public entities. It also has an arm dedicated to merger and acquisition underwriting practices.

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