GUARD Insurance Group protects employers from potential liabilities the entrepreneurial spirit of our roots still lives. Current CEO and President Sy Foguel has taken the pulse of the marketplace and believes that insurance has become an overly complicated but increasingly critical challenge for smaller business owners. As a result, he feels the time is right to make GUARD the place to go for simple, fast, and reliable “One-Stop Insurance Shopping.” This vision marked the start of BizGUARD Plus, and we are currently taking this product into more and more states. This success has been one of many proud milestones.

Stewart Title Company makes sure that when you sign on the dotted line (over and over again), the house is really yours. A subsidiary of title insurance and real estate information company Stewart Information Services, Stewart Title provides its clients with such services as property appraisals, title searches and reports, closing sales transactions, and flood determinations. It accounts for more than 95% of its parent's total revenues. Stewart Title's network of independent agents and affiliated offices are found throughout the US and in several European countries. Its title insurance customers include home buyers and sellers, real estate brokers and developers, and mortgage lenders.

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.

American International Group, Inc., through its subsidiaries, provides insurance and related services in the United States and internationally. It operates in four segments: General Insurance, Domestic Life Insurance and Retirement Services, Foreign Life Insurance and Retirement Services, and Financial Services. The General Insurance segment provides property and casualty insurance, as well as various personal lines. The Domestic Life Insurance and Retirement Services segment offers life insurance products that include a range of protection products comprising individual term and universal life insurance, and group life and health products; payout annuities that consist of single premium immediate annuities, structured settlements, and terminal funding annuities; and group retirement products, and individual fixed and variable annuities. The Foreign Life Insurance and Retirement Services segment provides insurance and investment-oriented products, such as whole and term life, investment linked, universal life and endowments, personal accident and health products, and fixed and variable annuities, as well as group products, including pension, life, and health. The Financial Services segment engages commercial aircraft and equipment leasing, capital markets operations, consumer finance, and insurance premium financing. American International Group also provides reinsurance products. The company was founded in 1967 and is based in New York, New York.

American National Insurance Company and its subsidiaries operate primarily in insurance industry in the United States, the District of Columbia, Puerto Rico, Guam, and American Samoa. American National Insurance Company operates through five segments: Life, Annuity, Health, Property and Casualty, and Corporate and Other. The Life segment offers individual and group life insurance products, including universal life, variable universal life, whole life, and term life; and credit life insurance. The Annuity segment provides variable and fixed annuities for individuals and institutional investors. The Health segment offers medicare supplement, supplemental insurance, hospital surgical, stop-loss, and credit disability insurance. The Property and Casualty segment provides auto insurance, homeowners insurance, agribusiness and commercial insurance, and credit property and casualty insurance. The Corporate and Other segment offers mutual fund and investment advisory products and services. In addition, American National Insurance Company invests in mortgage loans and real estate properties. It distributes its products through home service, multiple line, credit, independent third party marketing organizations, and direct sales to the public. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.

American Family Mutual Insurance and its subsidiaries specialize in property/casualty insurance, but also offer life and health coverage, as well as investment and retirement-planning products. The company operates in about 20 states, primarily in the midwestern and western US. It is among the largest US mutual companies that concentrate on auto insurance (State Farm is the biggest). American Family Mutual also provides coverage for homeowners and farmers, as well as restaurants, contractors, and other businesses.

Frenkel & Co., Inc. (“Frenkel”) was founded in 1878 by Emil Frenkel, a German immigrant. His sons, George and Leo, participated in the business and emulated Emil’s pioneering spirit and leadership. They firmly established Frenkel’s presence and reputation in the New York insurance market with the imagination and ingenuity characteristic of the American dream. In 1985, the Frenkel & Co., Inc. Employee Stock Ownership Plan (ESOP) was established, allowing Frenkel to remain an independent broker. Frenkel’s ownership remained in the ESOP structure until it was purchased in January 2001 by our current President and Chief Executive Officer, John F. Kelly, and current Chairman of our Board of Directors, Robert E. Shunk.

Living Benefits Financial Services, LLC (LBFS) is the oldest name and longest-running provider of institutionally funded life settlements in the United States. Life insurance policies acquired from seniors are considered an attractive, non-correlated asset for institutional investors worldwide. A portfolio of life insurance policies can be structured to meet a wide variety of investment needs.

Cottingham & Butler is a privately held firm headquartered in Dubuque, Iowa with a constantly expanding set of office locations. Our regional offices are located throughout the United States to provide our clients with the best service possible. We provide the high-touch service you would expect from a local midwestern insurance broker combined with the high-end expertise you need in the increasingly complex world of employee benefits and risk management. As an owner of Assurex Global, the world's largest association of privately held insurance brokers, we can help you handle almost any insurance-related problem you may have!.

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.

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