HM Insurance Group makes the grade in employer stop loss coverage and other group health-related insurance products. A subsidiary of health insurer Highmark, HM Insurance offers stop loss policies to help self-insured companies protect themselves from catastrophic medical claims. It also sells supplemental health plans that cover critical illness, accidents, and hospitalization; the plans also include disability and life insurance components. Additionally, the firm has introduced a customizable limited benefit medical plan and provides administrative services such as COBRA administration and claims processing for self-insured groups. HM Insurance, which consists of four operating companies, operates nationwide.

Founded in 1905, Lafayette Life was acquired by Cincinnati-based Western & Southern Financial Group in 2005. Lafayette Life Insurance Company may have the name of a Frenchman, but its business is all American. Licensed throughout most of the US, the Lafayette Life Insurance company sells individual life insurance and annuities, as well as group annuities and retirement services. Its qualified markets division helps small businesses administer their retirement plans, including defined benefit and defined contribution plans. The Lafayette Life Insurance company quit writing group life and disability insurance in 2008 to focus on its core operations.

Personal Group Holdings may seem like an oxymoron to some, but not to these folks. Established in 1984, Personal Group Holdings provides employee benefits administration, insurance brokerage services, mortgage services, and financial planning through subsidiaries such as Personal Insurance & Reinsurance Brokers, Personal Group Benefits, Personal Assurance, and Personal Assurance Financial Services. Clients include Game Stores, Universal Music, and Marston's. In 2005 Personal Group Holdings bought Berkeley Morgan Group, an insurance and finance advising company.

Scottish Re Group Limited is a holding company organized under the laws of the Cayman Islands with its principal executive office in Bermuda. Through our operating subsidiaries, we are engaged in the reinsurance of life insurance, annuities and annuity-type products. These products are written by life insurance companies and other financial institutions located in the United States, as well as in other countries around the world.

Optimum General provides property/casualty insurance to both individuals and commercial entities in Canada. Lines offered include personal automobile, homeowners, corporate property, and commercial liability coverage. Products are underwritten through subsidiaries that include Optimum West Insurance, Optimum Insurance Company, and Optimum Farm Insurance. The insurance lines are distributed through a network of some 500 independent brokers. Optimum General's parent company, the Optimum Group, also deals in financial services, life insurance, and real estate management.

Universal Insurance Holdings, Inc., through its subsidiaries, operates as an insurance company. It performs various aspects of insurance underwriting, distribution, and claims processing. The company’s primary product is homeowners’ insurance. As of December 31, 2009, it serviced approximately 531,000 policies with coverage for wind risks and 10,000 policies without wind risks. It markets and distributes its products and services through a network of independent agents. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings was founded in 1990 and is headquartered in Fort Lauderdale, Florida.

Lexington Insurance Company, a Chartis Company, is the leading U.S.-based surplus lines insurer. Lexington provides Exceptional flexibility of rate and form - a by-product of its non-admitted underwriting capabilities and ready access to the market-leading products and services of its parent company, Chartis Inc. * Proven reliability, evidenced by decades-long commitment to its served markets. Deep underwriting talent and risk knowledge, enabling it to address the simple and the complex, from the property risks of retailers to the employment practices exposures of large corporations.High net capacity, so underwriting decisions are driven by client needs, not reinsurer requirements. Experienced claims specialists and leading attorneys whom provide an exceptional ability to help insureds surmount potentially catastrophic claims, prevail in complex litigation, and quickly resolve "open and shut" cases.Easy accessibility, which fosters strong relationships at every organizational level and puts top decision makers at its clients' service.

W. R. Berkley Corporation, founded in 1967, is one of the nation’s premier commercial lines property casualty insurance providers. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.

In Belgium, Allianz is one of the main players on the insurance and financial services market.Allianz offers a complete range of property and casual insurance (fire, accident and miscellaneous risks) and life insurance (Provisions and Investments) to individuals, self-employed individuals, SME and large companies.Allianz has chosen to offer you the company's products and services exclusively through professional insurance brokers. They are the intermediaries between customers and the company.Allianz employs more than 1,100 people in Belgium and is a subsidiary of Allianz, world leader in insurance and asset management. Prior to 1 December 2007, the company was called AGF Belgium Insurance.

Western & Southern was founded in 1888 and is a mutual insurance firm owned by its members. Whether cowboy or Southern belle, if it's insurance and investment advice you seek, Western & Southern Financial Group wants to be your destination. Through its subsidiaries the company offers a variety of life insurance products and annuities; accident and supplemental health coverage; mutual funds; and other investment management products and services. Western & Southern's financial services include mutual fund administration, trust services, financial advisory, and real estate development; it owns or manages some $43 billion in assets. Western & Southern Financial Group, Inc. is licensed in most states and the District of Columbia.

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