Founded in 1912 and headquartered in Lansing, Mich., Accident Fund Insurance Company of America has always been the No. 1 provider of workers compensation insurance in Michigan. Since we began our national expansion in 2000, we have become a formidable competitor on the national level. We are licensed to provide workers compensation coverage in 49 states and the District of Columbia.

Allianz ROSNO Life Ltd. was formed in 2004 as a fully-owned subsidiary of ROSNO (one of the largest insurance providers in Russia, whose majority shareholder -- with about 97% of the company -- is Allianz). Since opening, Allianz ROSNO has expanded to more than 40 branch offices throughout the country. Allianz ROSNO Life works to protect the life of the party. The company provides a range of life insurance services and retirement plans including endowment, term fix, term, pension, and annuity insurance products. Allianz ROSNO employs a multichannel strategy of distribution that encompasses banks and brokers. It makes most of its sales to individuals looking for life insurance (about 80%), and the rest to corporate clients.

Everest Re markets to US and international insurance companies directly and through independent brokers. Under its reinsurance arrangements, Everest Re assumes risks of policies written by other insurance companies. The company offers specialized underwriting in several areas, including property/casualty, marine, aviation, and surety, as well as medical malpractice, directors and officers liability, and professional errors and omissions liability.

Chairman Peter Wood started Esure Holdings Ltd. in 2000, offering auto and homeowners insurance using the Internet as its primary sales channel. Since then, esure has added travel and pet insurance as well as personal loans to its stable of offerings. It jointly sells car insurance with Sainsbury's Bank; esure also underwrites and manages Halifax Car Insurance. With offices in Glasgow, Manchester, and Reigate, esure boasts more than 1 million customers. A management group led by Wood bought the majority of the company back from former parent Lloyds Banking Group in 2010.

Arig has been a trusted risk partner for over a quarter century. Established by the governments of Kuwait, Libya and the United Arab Emirates, the Company has since grown to become one the market leaders among regional reinsurers. Today, Arig is a publically traded company owned by over 6000 private and institutional investors and listed on the stock exchanges of Bahrain, Dubai and Kuwait.

Kiln underwrites a wide range of specialty property/casualty insurance, including marine, aviation, and special risk coverage (ranging from wind farms and high-tech laboratories to political and intellectual property risk). Kiln also underwrites accident and health insurance, reinsurance, and life insurance. The company, with offices in Asia, Africa, and Europe, is one of the largest agencies trading in Lloyd's of London's insurance market. Kiln operates primarily through subsidiary R J Kiln & Co., which was founded in 1962. Kiln was acquired by Tokio Marine & Nichido Fire Insurance, a unit of Tokio Marine Holdings (formerly Millea Holdings), in 2008.

Symetra Financial Corporation, together with its subsidiaries, operates as a financial services company in the life insurance industry in the United States. The company’s Group segment offers medical stop-loss insurance, limited benefit medical plans, group life insurance, accidental death and dismemberment insurance, and disability income insurance to employer groups ranging from 50 to 5,000 individuals. This segment also offers managing general underwriting services. Its Retirement Services segment offers fixed and variable deferred annuities, including tax sheltered annuities, individual retirement accounts, and group annuities to qualified retirement plans. Symetra Financial Corporation’s Income Annuities segment offers single premium immediate annuities to customers seeking a reliable source of retirement income; and structured settlement annuities to fund third party personal injury settlements. This segment also offers funding services options to existing structured settlement clients. Its Individual segment offers a range of term and universal life insurance, as well as bank-owned life insurance products. Symetra Financial Corporation distributes its products through financial institutions, employee benefits brokers, third party administrators, specialty brokers, independent agents, and advisors. Symetra Financial Corporation company was founded in 1957 and is headquartered in Bellevue, Washington.

The Navigators Group's various subsidiaries write marine, liability, and other lines of business, primarily in the US and the UK. Its Navigators Insurance and Navigators Underwriting Agency (a Lloyd's of London agency) units write ocean and marine insurance including hull, energy, and cargo insurance, as well as property insurance for onshore energy concerns. Navigators Specialty primarily provides excess and surplus (high risk) lines and general liability coverage for contractors. The firm's subsidiaries are also involved in professional liability, especially directors and officers coverage.

Northwestern Mutual also offers brokerage and trust services through its investment services and wealth management subsidiaries. Keep an eye on the quiet ones. Northwestern Mutual Life Insurance, touting itself as "The Quiet Company," is one of the largest US life insurers, with more than $1 trillion in individual policies in force. Its 7,000 representatives sell a lineup of life, disability, long-term care, and employee benefits products (health, dental, 401(k) plans). It also offers retirement products, including annuities and mutual funds, to a clientele of small businesses and prosperous individuals. Its institutional asset manager Frank Russell Company is known for the Russell 2000 stock index.

Farmers Alliance Mutual and its Alliance Insurance and Alliance Indemnity subsidiaries provide property/casualty insurance in nine midwestern and western states. With a focus on rural markets, the company's largest line of business is farm insurance, but it also writes personal home and automobile insurance and business coverage. A network of more than 650 independent agencies sell Farmers Alliance's products; Kansas is its largest market. The mutual company was established in 1888 by a group of Kansas farmers.

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