The Wawanesa Mutual Insurance company, one of the largest property/casualty insurers in Canada, offers commercial and personal lines, including business, farm, homeowner, and automobile policies. It also owns a demutualized life insurer, Wawanesa Life. Wawanesa operates throughout Canada as well as in California and Oregon. The company sells its products through some 1,300 independent agents (except in Quebec where company agents handle the distribution). Wawanesa is owned by its policyholders.

Torchmark Corporation, through its subsidiaries, provides individual life and supplemental health insurance products, and annuities to middle income households. It offers various life insurance products, including traditional and interest sensitive whole-life insurance, term life insurance, and other life insurance. Torchmark Corporation also provides various health insurance products, including juvenile and senior life coverage; medicare supplement; supplemental limited-benefit health insurance products that include hospital/surgical plans, cancer, and accident plans sold to individuals under age 65; and medicare supplement and medicare part D prescription drug insurance. In addition, it offers a range of annuity products comprising single-premium deferred annuities and flexible-premium deferred annuities. Torchmark Corporation sells its products through direct response, exclusive agents, and independent agents in the United States, Canada, and New Zealand. Torchmark Corporation was founded in 1900 and is based in McKinney, Texas.

Fondiaria-SAI's property/casualty and life policies can be found in the Italian insurance market. The company, also known as FonSAI, primarily offers auto and life insurance policies, as well as niche coverage in areas including accident, health, liability, fire, and product loss coverage, partially through subsidiary Milano Assicurazioni. Products are distributed through a network of independent agents, financial advisors, and banking affiliates across the country.

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.

For Acuity, A Mutual Insurance Company, keeping an eye on the prize means meeting its customers' insurance needs. The company writes a variety of personal and commercial property/casualty insurance plans for policyholders in nearly 20 states, primarily in the Midwest. Its products include automobile, homeowners, liability, marine, umbrella, and workers' compensation coverage. Acuity provides policies for such businesses as construction contractors, manufacturers, and small service businesses. Some 900 independent agents sell the company's policies. Acuity was founded in 1925 as Mutual Auto Insurance Company of the Town of Herman. As a mutual insurance firm, the company is owned by its policyholders.

What if your auto insurance company could also issue you a driver's license? It can in western Canada, where Insurance Corporation of British Columbia (ICBC) is not only the sole provider of British Columbia's (BC) mandated basic auto insurance coverage, but is also in charge of operating the province's motor vehicle department. Formed by the provincial government in 1973, ICBC provides liability and uninsured motorist coverage to about 2.6 million customers through its required Basic Autoplan policy. The company also issues drivers' licenses and offers other standard motor vehicle services. ICBC is regulated by The BC Utilities Commission, which approves the insurance company's rates.

Through its collection of regional insurance subsidiaries, Concord Group Insurance provides personal and commercial lines of property/casualty insurance to customers in northern New England. The companies offer personal insurance covering individuals' homes, cars, and RVs, as well as providing umbrella liability coverage. Concord Group's subsidiaries also sell commercial auto insurance and insurance packages for small businesses, including those designed for electricians, plumbers, merchants, and florists. With a history going back to 1928, the company sells through a network of some 300 independent agents.

The senior managers conceived AIX's innovative concept and mission in the summer of 2004. Combining a deep knowledge of marketing, finance and operations with 15 decades of insurance program expertise, the founder fashioned a state-of-the-art organization focused on a very specialized niche within the insurance industry.AIX soon became a magnet for exceptional underwriters, drawing talent (with a minimum of a decade of experience) from well-known underwriting companies such as General Re, Swiss Re, Employers Re, Discover Re, Chubb and Fireman's Fund.

Founded in 1905, Lafayette Life was acquired by Cincinnati-based Western & Southern Financial Group in 2005. Lafayette Life Insurance Company may have the name of a Frenchman, but its business is all American. Licensed throughout most of the US, the Lafayette Life Insurance company sells individual life insurance and annuities, as well as group annuities and retirement services. Its qualified markets division helps small businesses administer their retirement plans, including defined benefit and defined contribution plans. The Lafayette Life Insurance company quit writing group life and disability insurance in 2008 to focus on its core operations.

Through its three operating subsidiaries, AssuranceAmerica Corporation writes and markets nonstandard (high-risk) auto insurance to customers in 10 southeastern states. Its AssuranceAmerica Insurance subsidiary writes the policies, while its Managing General Agency markets the products and provides services through a network of 2,500 independent agencies. Its TrustWay Insurance Agencies operates retail agencies in Florida, Alabama, and Georgia, which sell nonstandard auto insurance underwritten by AssuranceAmerica and other unaffiliated carriers.

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