Lancer Insurance isn't your average car insurer. The firm specializes in commercial auto insurance for niche markets, writing coverage for clients such as bus companies, limousine drivers, long-haul truckers, and rental car fleets. Its main Lancer Insurance division provides transportation coverage nationwide. The company also operates smaller subsidiaries that cater to customers in and outside of the commercial auto arena. Its D.C. White unit targets small and midsized auto businesses in New York and New Jersey. Nobel Insurance provides coverage to explosives manufacturers, MOPS provides coverage for Coast Guard employees, and Owner Operator DIRECT provides single-unit trucking policies.

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.

This ACE aims to provide a full house of insurance services. Through subsidiaries, ACE Limited sells property/casualty insurance, life insurance, and reinsurance through subsidiaries around the globe. It primarily provides property/casualty insurance to commercial and personal customers. Policies offered include general liability, homeowners, auto, accident, workers' compensation, and specialty crop and marine coverage. The company's ACE Tempest Re businesses provide reinsurance to property/casualty insurers in North America and Europe. ACE's life insurance and life reinsurance operations are focused in the US and other select markets. Products are primarily marketed through independent brokers.

The Western Reserve Group sells personal and commercial property/casualty coverage to policyholders in Ohio and Indiana. The group consists of three property/casualty insurers -- Lightning Rod Mutual Insurance, Western Reserve Mutual Casualty, and Sonnenberg Mutual Insurance -- that pool their premiums, expenses, losses, and other liabilities. The Western Reserve companies offer personal auto, homeowners, and umbrella policies, as well as commercial and farm coverage, including workers' compensation. The company sells its products through some 400 independent agents. The Western Reserve Group traces its roots back to 1859, when Sonnenberg Mutual Insurance was founded.

ProMutual Group, consisting of primary operating units Medical Professional Mutual Insurance (MPMI), FinCor Holdings, and MPMI's ProSelect Insurance subsidiary, offers medical malpractice coverage to physicians, surgeons, dentists, medical groups, and hospitals in the northeastern, midwestern, and northwestern US. It insures some 22,000 health care practitioners and 500 hospitals under the brands ProMutual and ProSelect, and it provides risk management seminars and other training and compliance tools that help its clients avoid malpractice claims. A network of independent agents market the company's products in nearly 20 states. ProMutual Group was established in 1975.

Ever wonder who insures insurance companies? Munich Reinsurance America is one of the top providers of property/casualty reinsurance in the US. The company, commonly known as Munich Re America, provides treaty reinsurance (reinsurance for groups or categories of risks) and facultative reinsurance (reinsurance for individually negotiated risks) to both large and small primary insurers. Other business units provide risk management for health care providers, corporations, educational institutions, religious organizations, and not-for-profit entities, as well as traditional property/casualty and health insurance policies. The company is a subsidiary of German firm Munich Re.

OM Financial Life Insurance is the flagship insurer in the Old Mutual Financial Network (OMFN), which makes up the US life insurance and annuity operations of London-based Old Mutual. Formerly known as Fidelity and Guaranty Life Insurance, the company sells life insurance through a group of master general agents with operations in 49 states and Washington, DC. In the Empire State, though, the company's products are offered through subsidiary OM Financial Life Insurance Company of New York. Its Old Mutual Financial Network Securities subsidiary provides variable annuity products.

One part of the Faraday Group, Faraday Holdings is the parent company of Faraday Underwriting, which in turn is the manager of the Faraday Syndicate 435 at Lloyd's. Funding for the syndicate (to the tune of $575 million in 2004) is provided by another subsidiary, Faraday Capital. Berkshire Hathaway acquired the syndicate in 1999 and Faraday Holdings is now a subsidiary of Berkshire's General Re. The company provides risk management underwriting through three primary teams: property, casualty, and aviation. The Faraday Group also includes Faraday Reinsurance, a separate unit of General Re.

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.

Lincoln Financial Advisors is to be the country’s premier fee-based financial planning firm by being the preferred partner of fee-based financial planning professionals who offer comprehensive financial services to affluent clients."Bob Dineen, President and CEO, Lincoln Financial Advisors Lincoln Financial Advisors has a distinguished tradition dating back over 50 years. We are a full-service planning organization with offices throughout the United States. Unique to our industry, we believe that our planners are our most important partners in the delivery of quality solutions to the financial needs of our clients.

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