Presidential Life Corporation, through its subsidiary, Presidential Life Insurance Company engages in the sale of annuity contracts, life insurance, and accident and health insurance products in the United States. Presidential Life Corporation offers various annuity products, which include single premium annuity, single premium deferred annuities, single premium immediate products, and other annuity products, such as flexible premium annuities and group terminal funding annuities. It also provides life insurance products, such as graded benefit life and simplified issue whole life policies, as well as other life products, including universal life, whole life, and term life products. Further, Presidential Life Corporation offers accident and health insurance policies, including New York statutory disability benefits, which are short-term disability contracts issued to employers of one or more employees in New York State. In addition, Presidential Life Corporation offers ancillary products, which include medical stop loss, group dental insurance, individual impaired risk disability, hospital indemnity products, accident products, and group life insurance products. It distributes its annuity contracts and life insurance policies through independent general agents. Presidential Life Corporation was founded in 1965 and is headquartered in Nyack, New York.

Ohio National Financial Services sells its products in 47 states, the District of Columbia, Puerto Rico, and through a subsidiary in Chile. The company distributes its products through independent agents, brokers, and banks. Mutual holding company Ohio National Mutual Holdings owns a majority of the firm's stock. What's round on both ends, "hi" in the middle, and covers millions of people? Ohio National Financial Services! That is the marketing name for Ohio National Life Insurance and Ohio National Life Assurance, which sell individual and group life insurance, disability insurance, pension plans, and annuities. Other products and services include wholesale and retail brokerage and mutual funds.

Kyobo Life Insurance Co., Ltd. was founded in 1958 by Shin Yong-Ho, father of CEO Shin Chang-Jae. The Kyobo Group conglomerate (or "chaebol)" operates under a common management structure in a variety of sectors including real estate, investment banking, and a bookstore. Kyobo Life Insurance is one of South Korea's top life insurance firms. The company provides life insurance and asset management products to more than 10 million customers. Its offerings include traditional life, health and disability, and retirement and pension products for individuals and businesses. Products are distributed through financial planning agents. Kyobo Life also offers personal-use and mortgage loans, and it has some international operations.

Founder, chairman, and CEO Bruno Rousset owns a controlling stake in April Group company. April Group provides services for insurers that design and administer health, accident, and savings plans. April Group distributes its products and services through brokers and agents, as well as through partnerships with retailers, banks, and travel agencies. When "avril" showers bring a flood of insurance claims, April can help you. The firm owns more than 40 companies that operate in four areas: individual personal protection insurance, corporate insurance, life insurance and savings, and individual property and casualty.

Security Mutual Life Insurance Company of New York (SMLINY) offers more than just life insurance and it offers it in 49 states in addition to New York. The company, founded in 1886, markets individual and group life, accident, and disability coverage. Its Secure Benefits Solutions unit sells worksite benefits to businesses and credit union members. It also offers third-party administration to businesses that sponsor their own pensions. SMLINY holds 20% of National Security Life and Annuity Company and markets its products in New York, while Ohio National Financial Services holds the remainder of the business.

The Seibels Bruce Group writes and sells auto, homeowners, and other property/casualty insurance products and services. Subsidiary Universal Insurance provides standard and nonstandard auto coverage in six Southeastern states. Commercial lines include business owners' policies, commercial auto and umbrella, and commercial package policies. Seibels Bruce, which was taken private in 2004, traces its history back to 1869 and the beginnings of the insurance industry.

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders. They are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

RTW, Inc (RTW) isn't just another look-alike provider offering workers' compensation, disability and absence management solutions. We are a company with a purpose. We attract exceptional people who desire to be the best . . . people who are honest and have unwavering ethics and integrity. We work in an environment where we support, trust, respect and listen to each other. We make and keep our promises and commitments to one another and to our customers. We are innovative, creative and passionate about the difference we make in the world. We exist to help you. That is why you need to get to know us better.At RTW, we transform people from absent or idle to present and productive. Knowing that employees are your greatest assets, we developed a proprietary process to identify potentially high-cost claims within the first forty-eight hours of an injury event. Nobody else can do this. To borrow the old cliche, knowledge is power. Putting knowledge into action, we outperform the industry, hands down. Our average claim cost is 57% better than the industry and we close claims faster, resulting in open claims that are 80% less than our competitors.

Foyer S.A. operates through various subsidiaries such as Foyer Re, Le Foyer Vie, Europ Assistance, and Le Foyer Santé. It offers a variety of life and non-life insurance products including coverage for automotive liability and comprehensive damage, civil liability, property damage, and commercial transport, as well as reinsurance and legal expense coverage. In 2005 the company simplified its name from Le Foyer, Compagnie Luxembourgeoise S.A. to the present form. Holding company Le Foyer Finance owns nearly 80% of Foyer.

Optimum General provides property/casualty insurance to both individuals and commercial entities in Canada. Lines offered include personal automobile, homeowners, corporate property, and commercial liability coverage. Products are underwritten through subsidiaries that include Optimum West Insurance, Optimum Insurance Company, and Optimum Farm Insurance. The insurance lines are distributed through a network of some 500 independent brokers. Optimum General's parent company, the Optimum Group, also deals in financial services, life insurance, and real estate management.

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