In the mid-1970s, physicians nationwide faced an insurance crisis that threatened their very livelihood. With claims and judgments escalating dramatically, many commercial insurance companies ceased to offer medical professional liability coverage. The practice of medicine was under attack. Something had to be done.

Unity Mutual Life Insurance was founded in 1903 as Imperial Order Tycoons, a fraternal benefit society; it converted to a mutual life insurance company in 1957. Unity Mutual has agreed to merge with Columbian Mutual Life Insurance, a unit of Columbian Financial Group. Unity Mutual Life Insurance prefers working with mature individuals. Focusing on customers over 50 years of age, the company provides whole life insurance policies, and both fixed-rate and variable annuities, and It also provides final expense coverage insurance through its affiliate Unity Financial Life Insurance. Unity Mutual Life Insurance company is licensed to do business throughout the US. Some 5,000 independent agents represent the company's products.

EBS-RMSCO helps businesses find the benefits that fit them best. RMSCO provides a range of third party administrator (TPA) services for companies using self-funded medical, dental, disability, workers' compensation, and liability plans. Services include administering flexible spending accounts, claims settlement, risk management, and provider payments. The company serves about 3,000 clients throughout the US from its offices in New York, Vermont, and Virginia. It distributes its services through brokers and other partners. EBS-RMSCO was created by the merger of EBS Benefit Solutions and RMSCO in 2008. Excellus, also known as The Lifetime Healthcare Companies owns the company.

Operating from more than 300 local offices and focusing on the rural UK market, The National Farmers Union Mutual Insurance Society Limited (or NFU Mutual) provides life and property/casualty coverage. It provides both individual and commercial products and half of its customers are farmers. Lines include homeowners insurance (including coverage for thatched-roof houses), auto insurance, pet and horse insurance, and farm and tractor insurance. Dedicated agents distribute NFU Mutual's insurance products. The company also provides pension and investment products sold through financial consultants. NFU Mutual's roots reach back to 1910, when it was formed to lure local farmers to join the farmers' union.

Unigard Insurance Group has proud roots in the Northwest going back to 1901. The Unigard of today is a super-regional multi-line, property and casualty insurer with corporate headquarters in Bellevue, Wash.Also in Bellevue is a wealth of centralized services, including policy processing for commercial and personal lines, underwriting for all personal and certain commercial accounts and billing services.Unigard markets insurance through licensed independent insurance agencies in approximately 600 locations spanning the states of Arizona, California, Idaho, Montana, Nevada, Oregon, Utah and Washington. Seven branch offices provide local service and authority for commercial underwriting, sales and claims service to agents and policyholders.

The Harford Mutual Insurance Company are a provider of property and casualty insurance products and services for businesses. We offer tailored coverage coupled with claims service that is fast, fair and responsive.An independent agent representing our company can match the right insurance products from the right insurance company to the customer's needs. They work for the insurance buyer, not for the insurance company. Use the Agency Locator to identify an agent in your area.

Woodbury Financial Services is an independent broker/dealer and member of The Hartford Financial Services Group, Inc., located in Woodbury, MN. The roots of the company originate in 1910, with Montana Life. Woodbury has one customer - the independent financial services representative and is structured to provide representatives with dedicated support, exceptional service and innovative solutions, so they can focus on their clients.

SNS REAAL Groep has a real focus on financial services for Dutch customers, particularly retail clients and small-to-medium businesses. Through several operating units, SNS REAAL offers a wide variety of banking and insurance products in the Netherlands. The group's primary subsidiaries are SNS Bank and REAAL Verzekeringen. SNS Bank provides retail banking services online and through about 150 branch offices throughout the Netherlands. REAAL Verzekeringen offers life and general insurance to retail and business clients through independent financial advisers. In addition, the company operates about a dozen other subsidiaries offering everything from socially responsible banking to sustainable asset management.

PartnerRe Ltd. (NYSE, Euronext: PRE) is a provider of risk-assumption solutions for the global insurance and capital markets. We provide insurance companies with multiple lines of reinsurance — property & casualty, catastrophe, specialty lines, life, and alternative risk transfer — through our offices around the world.

Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best*, Reliance Standard began its centennial year in 2006. Reliance Standard Life Insurance Company provides insurance products and services in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, home office: New York, N.Y. Product availability and features may vary by state. It distributes its products through independent agents and brokers.

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