RTW, Inc (RTW) isn't just another look-alike provider offering workers' compensation, disability and absence management solutions. We are a company with a purpose. We attract exceptional people who desire to be the best . . . people who are honest and have unwavering ethics and integrity. We work in an environment where we support, trust, respect and listen to each other. We make and keep our promises and commitments to one another and to our customers. We are innovative, creative and passionate about the difference we make in the world. We exist to help you. That is why you need to get to know us better.At RTW, we transform people from absent or idle to present and productive. Knowing that employees are your greatest assets, we developed a proprietary process to identify potentially high-cost claims within the first forty-eight hours of an injury event. Nobody else can do this. To borrow the old cliche, knowledge is power. Putting knowledge into action, we outperform the industry, hands down. Our average claim cost is 57% better than the industry and we close claims faster, resulting in open claims that are 80% less than our competitors.

Heath Lambert is a leading UK independent insurance adviser and broker with over 130 years of experience in the insurance industry. We listen to our clients, and deliver the right insurance and advisory solutions for their needs. In 1997, during what was considered to be the softest market conditions in the history of insurance, a leveraged buy-out by the management was agreed.Lambert Fenchurch, itself a product of an earlier merger between Lowndes Lambert Group plc and Fenchurch plc can trace its origin back over 160 years to the coal factoring business set up by Francis Devereux Lambert, which developed into shipping and insurance broking.

A subsidiary of Dutch life insurance giant ING Groep, ING Life provides life, health, accident, and retirement benefit insurance services to group and individual customers in Thailand. Customers have access to dozens of ING network hospitals and health-care facilities throughout the country. In addition to insurance, ING Life provides financial investment opportunities such as retirement funds and long-term equity funds. ING Life's Thai operations are supported by roughly 40 domestic branches.

Colonial Life & Accident Insurance Company is a market leader in providing benefits solutions in one neat package: excellence in communications, enrollments, service, and personal insurance products and services that make benefits count for employers and their employees alike. For employees whose insurance plans leave them feeling vulnerable, Colonial Life can help restore peace of mind through personal insurance products that complete their coverage. Headquartered in Columbia, S.C, and founded in 1939, Colonial Life offers a broad line of personal insurance products including disability, accident, life, cancer, critical illness, hospital confinement and limited benefit medical coverage.

Atrium Underwriters, a Lloyd's of London insurer and reinsurer also provides insurance for cargo, art, and against acts of terrorism. Its Atrium Underwriters Limited subsidiary manages two Lloyd's syndicates -- Syndicate 570 (property & casualty insurance and reinsurance, accident & health, and professional liability) and Syndicate 609 (energy, marine and aviation risks, non-marine property, war, and more). The company provides its services throughout the UK using a direct sales force.

Car Care Plan is one of the world's leading providers of vehicle warranty, GAP, MOT & other after-sales motoring programmes. We work with major motor manufacturers, franchised and independent dealers and have several major affinity partners. We are the leading provider of vehicle warranties and GAP insurance in the UK working with over 1 million customers annually.

American Heritage Life Insurance Company (American Heritage Life®) was founded in 1956 in Jacksonville, FL and has expanded to a national presence. The company is licensed to conduct business in 49 states, Puerto Rico, the District of Columbia, Guam, and the U.S. Virgin Islands. In October 1999, American Heritage Life was acquired by The Allstate Corporation and now uses the marketing name of Allstate Workplace Division. All products are underwritten by American Heritage Life, a subsidiary of The Allstate Corporation. Our home office is located in Jacksonville, Florida. More than 31,000 agents are licensed to sell American Heritage Life workplace and direct products. Our portfolio of products currently include universal life, term life, disability income, cancer, accident, heart & stroke, critical illness, hospital indemnity, vision and dental insurance. Workplace products are now offered to more than 20,000 companies.

Sony Financial Holdings was founded in 2004 and is led by president Teruhisa Tokunaka. Electronics giant Sony Corporation is taking electronics to the bank. Its financial arm Sony Financial Holdings provides banking and insurance services through operating subsidiaries including Sony Bank. The retail bank operates primarily online and via mobile phone; physical transactions are available at convenience store ATMs throughout Japan. Sony Life provides insurance planning and policies; it is partnering with AEGON to offer annuities. Sony Assurance offers automobile insurance and other property/casualty and medical coverage. Sony Bank subsidiary Sony Bank Securities provides securities brokerage services.

If AEGON USA was an Argonaut, its quest would be to conquer the US insurance market. AEGON USA, LLC company, a subsidiary of Dutch insurance giant AEGON that operates under the AEGON Americas moniker, provides life insurance and accident and health insurance (such as cancer and long-term care policies) to some 30 million customers throughout the US. Its products include traditional whole life, universal life, variable universal life, and term life insurance for individuals and groups. AEGON USA also offers annuity and investment products, such as mutual funds, as well as asset management services. Subsidiaries include Monumental Life, Transamerica Life, and Western Reserve Life.

RGA posted $2.3 trillion of life reinsurance in force and assets of more than $25 billion. In October, RGA announced an agreement with ReliaStar Life Insurance Company to acquire ReliaStar’s U.S. and Canadian group life, accident and health reinsurance business, which operated under the name ING Reinsurance. The acquisition was finalized January 1, 2010. RGA’s mortality expertise and facultative experience continued to lead the industry. Company-wide, RGA processed 286,756 facultative submissions in 2009.RGA was named “Life Reinsurance Company of the Year” at The Review Worldwide Reinsurance Awards. This was the third time in six years RGA has received this award. RGA Reinsurance Company was named “Best Overall Life Reinsurer” for the third consecutive time by North American life insurers in the 2009 Flaspöhler Cedant Survey (Life – North America).

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