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.

Lancashire Holdings Limited property insurance and reinsurance operations (nearly half of sales) insure damage to residential, commercial, manufacturing, government, and other structures. Its energy segment specializes in worldwide offshore property damage, business interruption, and construction insurance to the upstream and downstream energy industries. Lancashire also offers marine, aviation, terrorism, and political risk (including war) coverage. The company -- which relies on brokers to sell its products in more than 30 countries around the world -- has underwriting offices in Bermuda and London, and a marketing office in Dubai.

Achieving a high rate of return is the main objective at Fairfax Financial Holdings. The holding company provides insurance, reinsurance, and other financial services. Its subsidiaries (including Northbridge Financial, Falcon Insurance,and Crum & Forster) focus on property/casualty coverage such as commercial, auto liability, trucking, and accident insurance in Singapore, Hong Kong, the US, and Canada. Fairfax's reinsurance operations span North America, the UK, and Central Europe. Chairman and CEO Prem Watsa's unorthodox business strategies have been compared to those of Warren Buffett; he controls about half the voting rights of Fairfax Financial.

Liberty National Life Insurance Company, headquartered in McKinney, Texas, traces its origin back to 1900 when its predecessor was founded as the Heralds of Liberty, a fraternal organization. In 1929 Liberty National was incorporated as a stock company. Read about our history. Today Liberty National is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK). TMK is one of the largest publicly held holding companies in the nation, specializing in life and supplemental health insurance, including Medicare Supplements. Every year since 1995, Liberty National has been named to Ward's 50 Life-Health List. The Ward’s 50 analysis is based on financial performance over a five-year period. More than 800 insurance companies were included in this year’s analysis.

Through subsidiaries that include Aspen Re, Aspen Bermuda, Aspen UK, and Aspen Specialty, Aspen Insurance Holdings Limited provides property/casualty insurance, specialty insurance, and reinsurance to customers around the world. Its property/casualty reinsurance lines are offered in global markets, as are its specialty insurance products, which include marine, energy and liability, aviation, and specialty reinsurance. Aspen offers commercial property/casualty insurance primarily in the US and UK domestic markets.

Founded in 2006, Homeowners Choice began providing property and casualty insurance for Floridians just as large national insurers began exiting the hurricane-prone market to reduce exposure. The majority of the company's insurance policies have been assumed from Citizens Property Insurance Corporation, a state-supported insurer. Although Homeowners Choice has assumed more than 50,000 property and casualty insurance policies from Citizens, the company has done so selectively, assuming policies based on its own underwriting criteria. The company also sells policies through a network of more than 1,300 independent agents.

Founded in 1911 in the Caribbean basin, the company also provides voluntary and employer-paid worksite benefit programs. Along with its regular coverage to middle-income customers, the company also offers dollar-denominated life insurance in Latin America for wealthy individuals. It is licensed in 42 states and in the District of Columbia and Puerto Rico. Pan-American Life reorganized as a mutual holding company in 2006. Pan-American spans the Americas with its insurance offerings. The company sells such products as individual and group life insurance, disability insurance, and investment products in the US, Puerto Rico, and its main focus of six Latin American countries.

A company's culture attracts and retains its workforce. We have assembled a diverse and talented team. Our team members provide quality service and a quality product. The staff is proud to be associated with a company who takes pride in maintaining an atmosphere of honesty and integrity; where doors are truly open at all levels of the organization, and discussion and ideas are welcomed.

Citizens Financial Corporation was incorporated in Kentucky in 1990 at the direction of Citizens Security Life Insurance Company (“Citizens Security”), a Kentucky-domiciled life insurance company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. All operations of the Company and its subsidiaries are conducted in Louisville, Kentucky from a 63,000 square foot office building owned by Citizens Security.

At USAble Life, our promise is to deliver protection and peace of mind for all of our customers, whether you are a consumer, employer group or producer. We’re here for you when you need us the most. With experience, financial stability, and high-quality products such as life, disability and products sold at the worksite, we are committed to all of our customers’ needs.Life is stressful enough without having to worry about financial protection due to a disability or a critical illness diagnosis. That’s why we take great pride in making sure our customers get the answers they need through comprehensive policy benefits and prompt claims payment at a time when they rely on us the most.USAble Life understands that employer groups and producers want to offer a strong portfolio of products that will help businesses attract and retain their workforce. With the products and services available through USAble Life, customers not only have choices, but quality and continued support for benefit and enrollment needs as well.

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