Aviva Life Insurance Company India is more India than Aviva. Although it is listed as a joint venture between UK insurance giant Aviva and India-based Dabur, the company's Indian parent -- which owns a collection of health care, personal care, and food concerns -- holds 74% of the company. Aviva Life Insurance Company India (Aviva India) offers a variety of life insurance and investment products under the Aviva brand name, as well as financial planning services. It sells its products through a network of some 225 branch locations and a direct sales force. It also distributes its products through partnerships with Indian bank branches.

Mutual of Omaha, which is owned by its policyholders, offers its products through both its agency sales force and independent agents, as well as direct marketing. In the wild kingdom that is today's insurance industry, Mutual of Omaha Insurance Company wants to distinguish itself from the pack. Mutual of Omaha Insurance Company provides individual, group, and employee benefits products through a range of affiliated companies. It offers Medicare supplement, disability, and long-term care coverage as well as life insurance and annuities through its United of Omaha Life Insurance unit. Its Mutual of Omaha Investor Services offers brokerage services, pension plans, and mutual funds, while the Mutual of Omaha Bank operates regionally.

Admiral Insurance Company provides excess and surplus lines coverage to commercial risks that generally involve moderate to high degrees of hazard. Admiral Insurance Company is a true surplus lines insurer with broad treaties operating as a licensed carrier in New Jersey and Delaware. We are an approved surplus lines carrier writing on a non-admitted basis in all other states plus Canada, Puerto Rico and the U.S. Virgin Islands. Admiral Insurance Company is committed to the wholesale market and conducts business only with licensed, contracted Excess and Surplus brokers. We specialize in underwriting difficult-to-place moderate to high-risk classes that other carriers are unwilling or unable to consider. Our lines of business include commercial casualty, professional liability, commercial property, excess / umbrella, and Admiral Excess Express.

Novae Group offers insurance and reinsurance underwriting through the Lloyd's of London market. Subsidiary Novae Syndicates manages Lloyd's Syndicate 2007, which handles property and specialty policies, including marine, aviation, energy, medical malpractice, and political risk lines, in the UK and internationally. (Syndicates are groups of underwriters who specialize in particular risk categories.) It also operates a separate company, Novae Insurance Company, for European commercial lines written outside of the Lloyd's cost structure. The company underwent restructuring efforts in 2007, including the combining of its two syndicates into one.

ocated in Carlsbad, California, William J. King & Associates has served local businesses with their insurance and employee benefit needs since 1972. Our success over the past 30 years has made us the number one agency in North County and among the top ten in San Diego each of the past six years. We pride ourselves on our extensive industry knowledge and creative problem solving solutions that get our clients the best plan to meet their needs; and then providing them with an unprecedented level of personal service.

Doing business through its United National Group and Penn-America Group subsidiaries, Global Indemnity (formerly United America Indemnity) provides specialty and surplus property/casualty insurance, including insurance for social service agencies and vacant properties. The group, one of the larger excess and surplus lines insurers in the US, operates through agents and program managers throughout the nation. Global Indemnity also has operations in Bermuda through its Wind River Reinsurance unit, which offers treaty (group risk) and facultative (individual risk) reinsurance. Investment firm Fox Paine owns a controlling interest in the company.

Owning a car has become a necessity of life, that's why Permanent General has dedicated itself to providing the insurance needs of thousands. We currently issue policies in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Missouri, New York, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin

Pacific Life & Annuity can turn your wishes into a plan. Along with parent company Pacific Life Insurance, Pacific Life & Annuity (PL&A) offers annuity and life insurance products to individuals and groups. Unlike Pacific Life, however, PL&A is licensed in the state of New York and offers many of its products only in the New York market. In addition to individual life insurance and annuities, PL&A issues structured settlement annuities, which are used to make payments to injured parties in personal injury and workers' compensation cases, and other financial investment products.

The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

In the consolidating European insurance industry, Aviva is a lively player. As the top insurance provider in the UK and a leading insurance firm worldwide, Aviva offers both life and general insurance. Its long-term savings segment focuses on life insurance, pensions, unit trusts, and other products; its general insurance segment includes the stuff which is called "non-life" or "property/casualty" elsewhere: home, auto, and fire coverage. Its Aviva Investors arm provides asset management globally. In the UK it also offers private medical insurance through employers. While most of the company's businesses operate under the Aviva banner, it also operates local businesses under other brands, including RAC.

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