Hansard, which traces its roots back to 1970, went public in 2006. Hansard Global wants investors around the globe to live a long life and prosper while they're doing it. As a life insurance company, Hansard provides life insurance products and financial services to European and international high-net worth investors. From its base in the tax-friendly Isle of Man, the company operates in more than 170 countries. Its financial services products, which are offered in conjunction with its life insurance products, include managed funds (similar to broad-based mutual funds), as well as equity, fixed-rate, and deposit funds. It distributes its products through hundreds of independent intermediaries.

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.

Founded in 1904, IFIC provides surety insurance in all 50 US states; Washington, DC; and Puerto Rico. IFIC writes five lines of surety: contract (which accounts for about half its business), commercial, bail, customs, and subdivision (covers construction costs related to municipal property projects such as fixing curbs or sewer lines). IFIC has a strong history with small contractors, primarily in its home base of New Jersey. The company operates more than two dozen branches throughout the US; its biggest concentration of offices is on the East Coast.

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.

Mitsui Sumitomo Insurance is one of Japan's largest non-life insurance companies. The company sells property/casualty, shipping, accident, and auto lines. It also offers asset management and investment services including mutual funds, risk management, and financial consulting, as well as some life insurance products, through subsidiaries and affiliates. Mitsui Sumitomo sells insurance policies in Japan through a network of 570 branches and 40,000 independent representatives, and it has international operations in over 40 countries. The firm merged with fellow Japanese insurers Aioi Insurance and Nissay Dowa General Insurance in 2010; all three companies are now subsidiaries of holding company MS&AD Insurance Group.

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.

AXA UK helps to insure assets and assure wealth protection. The company provides insurance and other financial products and services throughout the UK. Its offerings include property/casualty, life, travel, and health insurance, as well as asset management and financial planning products. AXA UK sells these products through subsidiaries including AXA Insurance UK (general personal and commercial insurance), AXA Sun Life (investments and pensions), AXA PPP healthcare (health insurance), and AXA Ireland (primarily auto insurance). French firm AXA, one of Europe's largest insurance companies, owns AXA UK.

ING Groep N.V., a financial services company, provides banking, investment, life insurance, and retirement services worldwide. The company offers wealth accumulation, savings, and mortgage products and services to individuals, and small-and medium-sized businesses, as well as a range of banking products through independent banking agents; and credit products through agents, brokers, and vendors. It provides current account services and payments systems, such as savings accounts, mortgage loans, consumer loans, credit card services, investment products, and life and non-life insurance products, as well as asset management services. The company also provides wealth management services to high net worth individuals. In addition, it offers various financial products, such as mutual funds, e-brokerage, payment accounts, and pensions; and lending, payments and cash management, structured finance, leasing and commercial finance, and financial markets products and services. Further, the company offers life insurance, investments, and retirement services for retail customers; a range of traditional, unit-linked, and variable annuity policies written for individual and group customers; mandatory and voluntary pension funds; fire, motor, disability, transport, and third party liability insurance for individual and commercial/group clients; and disability insurance products and complementary services for employers and self-employed professionals, such as dentists, general practitioners, and lawyers, as well as manages equity, fixed income, and structured investments for institutional investors and private label investment funds. As of December 31, 2009, ING Groep N.V. had approximately 250 retail banking branches in the Netherlands; 800 in Belgium; 430 in Poland/central Europe; and 460 in Asia. ING Groep N.V. was founded in 1991 and is based in Amsterdam, the Netherlands.

Allianz Worldwide Care is there for travelers feeling under the weather in exotic climes. The subsidiary of Allianz provides health insurance for expatriates and their dependents throughout the world. Operating 24-hour help-lines in English, French, German, Italian, and Spanish, Allianz Worldwide Care provides emergency medical assistance and direct settlement with health care providers for inpatient treatment. The company also helps clients locate the nearest hospital and specialist. For those who need to be abroad temporarily, Allianz Worldwide Care provides health-insurance plans lasting between 90 and 300 days.

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.

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