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.

Linda Blood and Frank Berriz opened American Coast Title Company in 1988. Joel Phillips joined Linda and Frank in ownership in 1999. All three are involved in day-to-day operations.ACT is a hands-on company. ACT has no outside investors awaiting huge profits, no stock analysts to keep happy and no consulting firm creating or revising the company's public image. ACT has dedicated title professionals who understand that the best insurance of success is superior service to our clients.

Protective Life Corporation and its subsidiaries engage in the production, distribution, and administration of insurance and investment products in the United States. It operates in five segments: Life Marketing, Acquisitions, Annuities, Stable Value Products, and Asset Protection. The Life Marketing segment markets level premium term insurance, universal life, variable universal life, and bank owned life insurance products through various distribution channels, as well as a network of independent personal producing general agents. The Acquisitions segment focuses on acquiring, converting, and servicing life insurance policies and annuity products sold to individuals, which are acquired from other companies. The Annuities segment markets, supports, and sells fixed and variable annuity products through broker-dealers, financial institutions, and independent agents and brokers. Its fixed annuities include modified guaranteed annuities, single premium deferred annuities, single premium immediate annuities, and equity indexed annuities; and variable annuities offer the opportunity to the policyholder to invest in various investment accounts. The Stable Value Products segment sells guaranteed funding agreements to special purpose entities, as well as markets fixed and floating rate funding agreements directly to the trustees of municipal bond proceeds, institutional investors, bank trust departments, and money market funds. It also markets guaranteed investment contracts and other qualified retirement savings plans. The Asset Protection segment primarily markets extended service contracts and credit life and disability insurance to protect consumers’ investments in automobiles, watercraft, and recreational vehicles; and markets a guaranteed asset protection product. It markets its products through a network of approximately 3,750 automobile, marine, and recreational vehicle dealers. Protective Life Corporation was founded in 1907 and is headquartered in Birmingham, Alabama.

Bouchard Insurance is founded on the principle of Relationships Built on Trust®. This principle is the driving force behind our commitment to serving our clients in such a way that they would think of us not only as insurance agents, but as trusted friends and advisors. Our ultimate goal is to cultivate long-term relationships with each customer and deliver the most appropriate, yet affordable programs through insurance and non-insurance strategies.

The Injured Workers' Insurance Fund (IWIF) has specialized in providing workers' compensation insurance to Maryland businesses since 1914.As the leading writer of workers' compensation insurance in Maryland, IWIF continues to be a competitive force in the industry, with an array of consumer-driven products and services that are available to all Maryland businesses.

The Variable Annuity Life Insurance Company (VALIC) is anything but boring. The firm is a major provider of group retirement plan services to elementary and high schools, colleges, and hospitals. It provides annuities and life insurance to more than 25,000 client groups (representing some 2 million investors) throughout the US. VALIC is part of AIG American General, the domestic life insurance operations of American International Group. AIG has announced that it will sell all of its domestic life insurance operations, including VALIC.

Arbella was founded in 1988 to provide business and personal insurance engineered for the unique challenges of New England life. While our marketplace has changed, our focus on New England customers remains as sharp as ever. Today, Arbella Insurance Group is a financially-strong, customer-focused regional group of property and casualty insurance carriers providing personal and business insurance in Massachusetts and Connecticut and business insurance in Rhode Island and New Hampshire.

Citizens Financial Corporation was incorporated in Kentucky in 1990 at the direction of Citizens Security Life Insurance Company (“Citizens Security”), a Kentucky-domiciled life insurance company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. All operations of the Company and its subsidiaries are conducted in Louisville, Kentucky from a 63,000 square foot office building owned by Citizens Security.

Achmea, the primary operating subsidiary of Dutch firm Eureko, provides insurance and financial services through several subsidiaries in the Netherlands, Belgium, and Luxembourg. The company sells life, non-life, health, and disability insurance under several brand names, including Centraal Beheer Achmea, Zilveren Kruis Achmea, Interpolis, and Avero Achmea. Company agents, bankers, and brokers sell the companies products. Achmea also sells directly over the Internet through its FBTO unit and through brokers. In addition to its insurance operations, Achmea provides mortgage lending and retail lending services, as well as private banking for high-net-worth individuals.

Kyobo Life Insurance Co., Ltd. was founded in 1958 by Shin Yong-Ho, father of CEO Shin Chang-Jae. The Kyobo Group conglomerate (or "chaebol)" operates under a common management structure in a variety of sectors including real estate, investment banking, and a bookstore. Kyobo Life Insurance is one of South Korea's top life insurance firms. The company provides life insurance and asset management products to more than 10 million customers. Its offerings include traditional life, health and disability, and retirement and pension products for individuals and businesses. Products are distributed through financial planning agents. Kyobo Life also offers personal-use and mortgage loans, and it has some international operations.

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