AEGON Direct Marketing Services, Inc. (ADMS), through its affiliated insurance carriers and non-insurance companies, is a leading direct marketer of life, supplemental health, credit, and specialty insurance products as well as fee-based programs. Using a variety of direct response techniques such as inbound and outbound telemarketing, point-of-sale, direct mail, television, statement inserts, internet, and more, ADMS offers consumers convenient alternatives for purchasing insurance. With North American and international operations, ADMS currently services over 17 million policies worldwide. Using the endorsement of sponsoring organizations, ADMS develops and executes co-branded marketing programs that deliver results. ADMS works through brokers, agents, and third party administrators as well as directly with business partners. The Company’s expertise and longevity in direct marketing have made it a valued partner of many of the leading financial institutions, associations, retailers, credit unions, catalogers, and employer groups in the United States and around the world. Customized programs range from a full package of product development, administrative, technology, and marketing services, to providing only products or a single service such as product underwriting.

American Safety Insurance Holdings (ASI) was part of the first wave of insurance firms domiciling in this tax-sheltered location. Formed to offer insurance to asbestos removers and other environmental risk-remediation providers, the company has expanded into other specialty lines. American Safety Insurance now underwrites residential and commercial construction risks, as well as professional and product liability, and excess and surplus policies. The company also offers alternative risk transfer programs that rely on some measure of self-insurance or shared risk on the part of the insured. The firm sells through a network of 250 agencies in the US.

Sony Financial Holdings was founded in 2004 and is led by president Teruhisa Tokunaka. Electronics giant Sony Corporation is taking electronics to the bank. Its financial arm Sony Financial Holdings provides banking and insurance services through operating subsidiaries including Sony Bank. The retail bank operates primarily online and via mobile phone; physical transactions are available at convenience store ATMs throughout Japan. Sony Life provides insurance planning and policies; it is partnering with AEGON to offer annuities. Sony Assurance offers automobile insurance and other property/casualty and medical coverage. Sony Bank subsidiary Sony Bank Securities provides securities brokerage services.

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.

Kingsway Financial Services Inc. provides insurance solutions to individuals and businesses in the United States. The company primarily offers non-standard automobile insurance that covers drivers who do not qualify for standard automobile insurance coverage because of their payment history, driving record, place of residence, age, vehicle type, or other factors, as well as provides commercial automobile insurance products. It distributes its products through a network of independent agents. The company was founded in 1989 and is based in Mississauga, Canada.

Reinsurance Group of America, Incorporated, an insurance holding company, engages in individual and group life, annuity, asset-intensive, critical illness, and financial reinsurance in the United States, Canada, Europe, South Africa, and the Asia Pacific. It provides reinsurance for a portfolio of life insurance products, including term life, credit life, universal life, whole life, group life, joint and last survivor insurance, and critical illness, as well as annuities and financial reinsurance. The company’s asset-intensive reinsurance products primarily include reinsurance of corporate-owned life insurance and annuities. It also offers reinsurance for mortality, morbidity, lapse risks, and investment-related risks. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.

jardine lloyd are an international group of Risk Specialists and Employee Benefits Consultants and one of the largest companies of its type in the world. We offer a distinctive choice to our clients and partners through our combination of independence, scale and specialism.As an independent business, we are able to operate with autonomy and flexibility. We have the scale to provide solutions to the complex demands of the world's leading companies and to deliver global servicing whilst recognising that the needs of each of our clients are unique. By developing highly specialised services, we provide our clients with a depth of expertise and experience.

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.

Founded in 1991, Direct General offers non-standard personal automobile coverage and motorcycle insurance through such subsidiaries as Direct General Insurance, Cash Register Auto, Right Choice Insurance, and Florida No Fault. Direct General also offers a bit of term life insurance and premium financing products. It has also branched out into offering tax preparation services. Direct General sells its products through more than 400 locally-based sales offices in 13 southern states. The company was acquired by private investment partnerships Calera Capital and TPG Capital in 2007.

FBD Holdings is one of the largest providers of property/casualty, life, commercial, and health insurance in Ireland. The company offers specialized insurance policies for homeowners, drivers, pub owners, farmers, and business owners. The company has some 50 independent retail offices nationwide. Other operations include reinsurance, asset financing, financial services, and captive insurance management, as well as some property and leisure holdings. FBD also sells retirement products and offers investment advice. Farmer Business Developments, an Irish insurance collective, owns about a quarter of FBD Holdings.

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