Avemco Insurance company provides personal aircraft coverage and other property/casualty coverage for pilots, student pilots, aircraft owners, hangar owners, and others in the aviation industry. Products include construction, medical stop-loss, and coverage of rented and borrowed aircraft; it also sponsors term life insurance policies. The company is licensed to do business throughout the US. Avemco Insurance was founded in 1961 and acquired by specialty insurer HCC Insurance Holdings in 1997.

Assurity Life, formed when Woodmen Accident, Assurity Life, and Lincoln Direct merged in 2003, provides group and individual life insurance, disability income protection, and annuity products, serving some 420,000 customer accounts nationwide. It also offers various critical-illness policies (which provide lump-sum payouts for a variety of conditions and diseases). A network of independent brokers as well as affiliated sales representatives (worksite distributors) market Assurity Life's products. With roots going back to 1890, Assurity Life is the primary subsidiary of Assurity Security Group.

Arig has been a trusted risk partner for over a quarter century. Established by the governments of Kuwait, Libya and the United Arab Emirates, the Company has since grown to become one the market leaders among regional reinsurers. Today, Arig is a publically traded company owned by over 6000 private and institutional investors and listed on the stock exchanges of Bahrain, Dubai and Kuwait.

Falvey Cargo Underwriting provides marine cargo insurance primarily for high technology and medical industries, but insures just about anything in need of coverage. Typical cargo loads include environmentally-sensitive fiber optic equipment, robotic surgical devices, and pharmaceutical products. The company also provides loss prevention consultations, claims processing services, and recovery services through its ProTecht Risk Solutions program. Falvey Cargo Underwriting -- a licensed underwriting manager for several Lloyd's syndicates -- was founded in 1995.

Royal Neighbors of America is not referring to Canadians. The company, a not-for-profit fraternal benefit society established in 1895, is all-American. Formed to offer affordable life insurance to US women, who were largely excluded from the life insurance market of the time, today Royal Neighbors sells traditional life insurance products and annuities to both men and women. Its 250,000 policyholders benefit from a number of other membership privileges, including scholarship opportunities and fraternal aid in the wake of illness or disaster. In addition to life insurance, the organization sells Medicare supplemental insurance.

Western World Insurance Group, established in 1964, is among the top excess and surplus lines insurance groups in the United States with more than forty five years of experience, success and stability. The administrative office of the Western World Insurance Group of companies, including our admitted company affiliate, Stratford Insurance Company, is located in Franklin Lakes, New Jersey, with all member companies domiciled in New Hampshire.

ACE USA provides a comprehensive range of property/casualty, risk management, accident, disaster, professional lines, workers' compensation, and health insurance products to individuals and businesses throughout the US. It sells these through licensed insurance brokers. ACE USA has dedicated efforts to tailor its services to four specialized industries: construction, health care, energy, and public entities. It also has an arm dedicated to merger and acquisition underwriting practices.

The Guardian Insurance & Annuity Company stands like a sentinel protecting its clients' retirement savings. The company, a subsidiary of mutually owned life insurer The Guardian Life Insurance Company of America, sells variable annuities and variable life insurance policies to individuals and groups looking to accumulate and manage savings over the long term. Its variable annuities have optional riders, including a Guaranteed Minimum Withdrawal Benefit, that protect a client's investment from market fluctuations. Guardian Insurance & Annuity distributes its products primarily through its sister firm, Guardian Investor Services.

BUPA Health Insurance (Thailand) Ltd. has been established for over thirty years. Formerly known as Blue Cross Health Insurance, Bupa is the leading health insurance specialist in Thailand providing cover for the employees and families of more than 2,000 companies as well as individual policyholders. The parent company, Bupa (British United Provident Association) is one of the largest independent health and care organisations in the world with over 61 years of health care experience. As well as providing insurance to over 10 million people in 195 countries, Bupa also owns and manages hospitals, care for the elderly homes and health assessment and child care centers. Our local knowledge combined with Bupa's world-wide presence ensures that our customers have access to some of the best ideas and innovations in the world as well as global health care expertise.

At St.andrew's base in Shannon, Co. Clare, we look after there colleagues to ensure they are happy in their jobs. Our colleagues work hard to ensure our customers are kept happy by receiving the very best customer service. And, by keeping our customers and colleagues happy, we keep our shareholders happy by growing and consolidating a successful business.

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