Pacific Life & Annuity can turn your wishes into a plan. Along with parent company Pacific Life Insurance, Pacific Life & Annuity (PL&A) offers annuity and life insurance products to individuals and groups. Unlike Pacific Life, however, PL&A is licensed in the state of New York and offers many of its products only in the New York market. In addition to individual life insurance and annuities, PL&A issues structured settlement annuities, which are used to make payments to injured parties in personal injury and workers' compensation cases, and other financial investment products.

The Commercial Division, based in Minneapolis, is an integral part of Oakbrook Terrace, Illinois-based BCS Insurance Company (BCSI), a for-profit, multiple-line property and casualty insurance company with roots that date back more than 50 years.The Commercial Division was established to underwrite business for the BCS Life Insurance Company and BCS Insurance Company for insurance associated with employers and affinity (voluntary purchase) groups. It exists to underwrite substantial and diverse blocks of business with flexible coverage solutions. It is here to help our customers manage risk with stable and consistent strategies. BCSI is part of the BCS Insurance Group, comprised of a number of for-profit, multi-line insurance companies with diverse capabilities. For more information about the BCS Insurance Group, visit our Web site by clicking here.

Colemont Brokerage Group knows that commerce can be risky business, so it offers specialty commercial property/casualty coverages, such as pollution and trucker's liability, to businesses of all sizes. The company operates as Colemont Insurance Brokers in the US and Colemont Global Group internationally. With more than a dozen locations across the nation, Colemont ranks among the largest wholesale insurance brokers in the US. International expansion is part of Colemont's growth plan, and to that end it established offices in Europe, Latin America, Asia, and the Middle East. Colemont was acquired by US wholesale broker AmWINS in 2010.

Power Financial owns about half of IGM Financial, which owns Investors Group and Mackenzie Financial, distributors of mutual funds and other investment products and services. Power Financial gets a charge out of insurance and investments. The holding company seeks controlling stakes in financial services companies in the US, the UK, and Canada. Core investments include 73%-owned Great-West Lifeco (subsidiaries include Great-West Life Assurance, Canada Life, and London Life Insurance, leading providers of insurance in Canada). Lifeco's US subsidiary, Great-West Life & Annuity Insurance, provides employee benefits and retirement plans. Boston-based fund manager Putnam Investments is also part of the family.

Hansard, which traces its roots back to 1970, went public in 2006. Hansard Global wants investors around the globe to live a long life and prosper while they're doing it. As a life insurance company, Hansard provides life insurance products and financial services to European and international high-net worth investors. From its base in the tax-friendly Isle of Man, the company operates in more than 170 countries. Its financial services products, which are offered in conjunction with its life insurance products, include managed funds (similar to broad-based mutual funds), as well as equity, fixed-rate, and deposit funds. It distributes its products through hundreds of independent intermediaries.

MetLife, Inc., through its subsidiaries, provides insurance, employee benefits, and financial services in the United States, Latin America, the Asia Pacific, Europe, the Middle East, and India. It offers group life insurance products and services as employer-paid benefits, including variable life, universal life, and term life products, as well as employee paid supplemental life products; individual life insurance products and services comprising variable life, universal life, term life, and whole life products, as well as a range of mutual funds and other securities products; and non-medical health insurance products and services, such as dental insurance, group short- and long-term disability, individual disability income, long-term care, critical illness, and accidental death and dismemberment coverages, as well as employer-sponsored auto and homeowners insurance and administrative services-only arrangements to employers. MetLife company also provides retirement products consisting of variable and fixed annuities for individuals and employees of corporations, and other institutions. In addition, MetLife provides an array of annuity and investment products, including guaranteed interest products and other stable value products, income annuities, and separate account contracts for the investment management of defined benefit and defined contribution plan assets, as well as offers certain products to fund postretirement benefits. Further, it offers auto insurance and homeowners’ insurance policies, as well as personal excess liability and coverage for recreational vehicles and boat owners; and credit insurance and endowment products. Additionally, MetLife funds company initiatives, various start-up entities, and run-off entities; and banking services, such as residential mortgage loans and various deposit products. MetLife, Inc. was founded in 1868 and is based in New York, New York.

American Farmers & Ranchers Mutual Insurance wanted to become more inclusive, hence its change from the former company name, Oklahoma Farmers Union Mutual Insurance. The company offers personal property/casualty and life insurance coverage including homeowners, farm liability, and automobile in the southern and western US. It also sells commercial insurance tailored for small businesses. Despite the name change, the company still primarily serves customers in Oklahoma. Some 200 agencies throughout the state sell American Farmers & Ranchers Mutual's products. The insurance company was founded in 1905.

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.

Through subsidiaries in Asia, Europe, and North and South America, PartnerRe Ltd writes treaty (groups of risks) and facultative (individual risks) reinsurance for such primary coverage as property, casualty, and life insurance, as well as catastrophe, energy, marine, and other specialty insurance. PartnerRe was one of several pure-catastrophe reinsurers founded in the tax haven of Bermuda after Hurricane Andrew made reinsurance glamorous. The company provides services for customers in more than 150 countries. PartnerRe operates from about 20 offices around the globe.

Through its Lloyd's syndicates, Beazley Group underwrites specialty property/casualty insurance, as well as catastrophe reinsurance and risk excess. Products include officers liability, war and terrorism, commercial property, and marine liability coverage. One syndicate also provides life insurance. Beazley Group is expanding beyond the Lloyd's market, especially into property/casualty and specialty lines in the US. The company also has international operations in France (professional indemnity), Singapore (engineering and construction insurance), and Hong Kong (specialty lines). Beazley Group has been in business since 1986.

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