Catholic Order of Foresters was established in 1883 and has more than 140,000 members. Catholic Order of Foresters is a fraternal organization that provides members with a variety of life insurance and annuity products. The organization distributes its products through more than 300 dedicated agents in 31 states and the District of Columbia. It has a network of more than 400 local "courts", through which members participate in community social, spiritual, and educational activities. The not-for-profit organization also grants scholarships for eligible Catholic students, and raises matching funds at the local level for charitable causes.

The mutual insurance company serves 7.7 million member customers, primarily military personnel, military retirees, and their families. Its products and services include property/casualty and life insurance, banking, discount brokerage, and investment management. It offers such specialty products as life insurance for soldiers deployed in war zones and financial planning services to invest hazardous duty pay. USAA relies largely on direct marketing to sell its products, reaching clients via the telephone and Internet. The company's USAA Alliance Services unit provides discount shopping (floral, jewelry, and safety items), and travel and delivery services to its members.

JCM Partners owns about 45 properties, including apartment communities (containing a total of about 5,000 units), one multi-tenant office/retail property, office properties, and industrial properties. Nearly half of JCM Partners' residential properties are located in Sacramento County; the remainder are in San Joaquin, Solano, Stanislaus, and Contra Costa counties. JCM runs Rent-One.com -- an online apartment rental guide.

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.

Flagstone Reinsurance Holdings Limited, through its subsidiaries, operates as a reinsurance and insurance company worldwide. The company primarily writes property, property catastrophe, and short-tail specialty and casualty reinsurance products; and property insurance products for homes, condominiums, and office buildings in the Caribbean region. It provides property catastrophe reinsurance coverage to a range of insurance companies for claims arising from natural catastrophes, such as hurricanes and earthquakes. The company also provides coverage for claims arising from other natural or man-made catastrophes, such as winter storms, freezes, floods, fires, and tornados, as well as covers various risks, which include aviation, energy, hull and cargo, accident and health, agribusiness, engineering, satellite, space, marine, marine liability, and workers’ compensation catastrophe. It offers its products and services through brokers and reinsurance intermediaries. The company was founded in 2005 and is based in Hamilton, Bermuda.

Through its three subsidiaries,RLI Corp. mainly offers coverage for US niche markets -- risks that are hard to place in the standard market and are otherwise underserved. It focuses on public and private companies as well as non-profit organizations. RLI's property/casualty lines include commercial and personal liability, commercial property, directors and officers liability, general liability, and surety. Transportation, employers excess indemnity, and residential property are among its other lines.

Swiss Life Holding Ltd provides life and health insurance products to groups and individuals and pension systems to multinational corporations. It markets to its individual and group customers, located in a handful of western European countries, through its own agents and a network of independent agents and banking partners. It sets up customized employee benefit programs for multinationals through the Swiss Life Network, an association of local insurers, some of them owned by Swiss life, some of them independent. The firm also does business in asset management and private banking. Though it has pared down its operations and ambitions considerably, Swiss Life Holding is still Switzerland's leading life insurer.

Woodbury Financial Services is an independent broker/dealer and member of The Hartford Financial Services Group, Inc., located in Woodbury, MN. The roots of the company originate in 1910, with Montana Life. Woodbury has one customer - the independent financial services representative and is structured to provide representatives with dedicated support, exceptional service and innovative solutions, so they can focus on their clients.

Businesses are being transformed by technology and the internet. As businesses continue utilizing new technology-based processes, they may not be aware of the emerging risks that could potentially threaten their bottom line. Businesses require risk management professionals who can stay abreast of and mitigate these emerging risks.

Monumental Life Insurance markets its products through general career agents and independent marketing groups. It also markets its final expense and funeral costs coverage through funeral directors. Many of its general agents are former military personnel who sell life insurance to service members. Even ordinary life insurance sounds more impressive when it's monumental life. Monumental Life Insurance offers life insurance, annuities, disability and disease insurance, final expense coverage, and other products. A subsidiary of Dutch insurance giant AEGON, Monumental Life Insurance targets lower- and middle-income markets. It is licensed in all states (except New York) and Washington, DC.

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