The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

Western National Life Insurance Company has helped Americans achieve financial security with innovative fixed annuity products for more than 50 years. In fact, Western National was one of the first insurance companies to develop fixed annuity products specifically for sale through banks, and has been the nation’s #1 provider of tax-deferred fixed annuities in this market for 14 consecutive years.1, 2Over the past two decades, Western National has consistently received some of the highest ratings from independent nationally recognized insurance company rating agencies. We have operated for 54 years without ever defaulting on an annuity contract. Licensed in 49 states and the District of Columbia, Western National products are built upon deep market knowledge and supported by the financial strength of Western National.

Its Unipol Banca has about 300 branches. The acquisitive company continues to target insurance firms and banks. Holding company Holmo SpA controls Unipol through a second holding company, Finanziaria dell'Economia Sociale (Finsoe). In need of some insurance or financial services? Rally 'round the Unipol! Unipol Gruppo Finanziario (better known simply as Unipol) is transforming itself from a multiline insurance company to a financial services firm. While the company's main focus is offering life, auto, property/casualty, health, and other general insurance, Unipol also has expanded its reach by adding asset management and merchant banking, as well as consumer banking services.

Founded in 1911 in the Caribbean basin, the company also provides voluntary and employer-paid worksite benefit programs. Along with its regular coverage to middle-income customers, the company also offers dollar-denominated life insurance in Latin America for wealthy individuals. It is licensed in 42 states and in the District of Columbia and Puerto Rico. Pan-American Life reorganized as a mutual holding company in 2006. Pan-American spans the Americas with its insurance offerings. The company sells such products as individual and group life insurance, disability insurance, and investment products in the US, Puerto Rico, and its main focus of six Latin American countries.

European insurance firm Helvetia Holding primarily operates through Swiss life and property/casualty subsidiaries Helvetia Leben and Helvetia Versicherungen. Its associated companies serve more than 2 million private customers and thousands of small or medium-sized businesses. As a top insurer in Switzerland, Helvetia Holding provides life, pension, auto, liability, and accident insurance policies, as well as reinsurance coverage and risk management services. Geographically, the company's core market consists of Austria, Germany, and Switzerland, but it has expanded through acquisitions into other countries including France, Italy, and Spain. The Patria Cooperative owns 30% of Helvetia Holding.

Symetra Financial Corporation, together with its subsidiaries, operates as a financial services company in the life insurance industry in the United States. The company’s Group segment offers medical stop-loss insurance, limited benefit medical plans, group life insurance, accidental death and dismemberment insurance, and disability income insurance to employer groups ranging from 50 to 5,000 individuals. This segment also offers managing general underwriting services. Its Retirement Services segment offers fixed and variable deferred annuities, including tax sheltered annuities, individual retirement accounts, and group annuities to qualified retirement plans. Symetra Financial Corporation’s Income Annuities segment offers single premium immediate annuities to customers seeking a reliable source of retirement income; and structured settlement annuities to fund third party personal injury settlements. This segment also offers funding services options to existing structured settlement clients. Its Individual segment offers a range of term and universal life insurance, as well as bank-owned life insurance products. Symetra Financial Corporation distributes its products through financial institutions, employee benefits brokers, third party administrators, specialty brokers, independent agents, and advisors. Symetra Financial Corporation company was founded in 1957 and is headquartered in Bellevue, Washington.

Aviva Life Insurance Company India is more India than Aviva. Although it is listed as a joint venture between UK insurance giant Aviva and India-based Dabur, the company's Indian parent -- which owns a collection of health care, personal care, and food concerns -- holds 74% of the company. Aviva Life Insurance Company India (Aviva India) offers a variety of life insurance and investment products under the Aviva brand name, as well as financial planning services. It sells its products through a network of some 225 branch locations and a direct sales force. It also distributes its products through partnerships with Indian bank branches.

Delta Lloyd is majority-owned (57%) by Aviva, the UK's largest insurance company. Delta Lloyd divides its energies between providing insurance and financial services. The company provides life, health, and other types of insurance, as well as pension, asset management, and banking products and services, to customers in the Netherlands, Belgium, and Germany. Delta Lloyd's operating subsidiaries include Delta Lloyd Insurance, OHRA Insurance, ABN AMRO Insurance, Delta Lloyd Asset Management, Delta Lloyd Banking, and others. Its products are sold through independent insurance brokers and affiliated financial service providers.

Operating as Penn National Insurance, the company and its affiliates offer commercial and personal property/casualty insurance and surety bonds. Pennsylvania accounts for 40% of the firm's business. The company's Inservco subsidiary provides third-party claims administration and risk management services for self-insured customers. Independent agents sell the company's products. Penn National Insurance was founded by a farmers' association in 1919.

Sentry Insurance offers a variety of insurance products, including personal auto, homeowners, and other property/casualty lines, as well as life and annuities. The mutual company (owned by its policyholders) also provides specialized insurance to businesses of all sizes, including manufacturers, retailers, and truckers. The company's Sentry Equity Services offers mutual fund services through its Sentry Fund. Formerly named Hardware Mutual, Sentry Insurance was founded in 1904 to provide insurance to members of the Wisconsin Retail Hardware Association.

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