When Allianz's eyes are smiling -- people are buying insurance. Allianz Ireland, the Irish insurance branch for worldwide insurer Allianz, offers a variety of personal property/casualty insurance offerings including home, motor, pet, travel, and pleasure craft coverage. Its business offerings include motor, commercial property, employer and public liability, and marine and aviation transit insurance products, as well as policies covering health care facilities and schools.

Operating through half a dozen property/casualty insurance subsidiaries, American Modern Insurance Group provides specialty insurance products and services to owners of boats, classic cars, motorcycles, RVs, manufactured homes, rental properties, and vacation homes. Its Financial Institutions division also offers credit life insurance. The company is licensed throughout the US. It distributes its products through a network of agents, as well as through financial institutions, manufacturers, and other dealers. American Modern Insurance is a subsidiary of Munich Re America.

Argo Group International Holdings provides specialty property/casualty insurance and reinsurance products in the US and Europe. Argo Group operates seven subsidiaries which focus on four well-defined markets: excess and surplus (the riskier stuff no one else likes to insure like day care centers and contractors), industry-specific insurance (catering to such niches as mining, dry cleaners, public entities, and grocers), international property and liability coverage, and reinsurance. The company markets and distributes its products through independent agents and brokers.

Georgia Farm Bureau Mutual Insurance and its affiliates provide a variety of commercial and individual property/casualty products to members of the Georgia Farm Bureau. Its offerings include automobile, farm, marine, homeowners, business owners, and personal liability insurance. The company specializes in writing lower-cost, preferred risk policies (policies for customers that are less likely to file claims). A network of more than 550 company agents and representatives market Georgia Farm Bureau Mutual's products.

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.

Regence Life & Health Insurance is a provider of group life, disability, and accidental death and dismemberment insurance. It also offers supplemental programs in weight management, hearing aid service discounts, child safety and health products, dental care products, and laser vision correction services. Regence Life & Health is active in four states in the Pacific Northwest: Idaho, Oregon, Utah, and Washington. Regence Life and Health Insurance Company is the life and disability subsidiary of The Regence Group, which operates the largest group of Blue Cross Blue Shield companies in the region.

Bermuda: sun, sand, and reinsurance. In 1998 struggling Annuity and Life Re (Holdings) was the first life reinsurer to hang its shingle in the tax-sheltered haven of Bermuda. However, it has ceased writing new coverage and in 2008 dissolved Annuity and Life Re America, which was once the company's flagship subsidiary. Previously it covered term, whole, and universal life insurance policies.

MARC my words: If the subject is reinsurance, MARC is ready to talk. Munich American Reassurance Company (MARC) is the US-based life reinsurance subsidiary of global industry giant Munich Re (its sister company Munich Reinsurance America provides property/casualty reinsurance). MARC provides life, annuity, disability, and health reinsurance for insurance companies throughout the US. The company, founded in 1959, writes reinsurance for annuities, credit insurance, and long-term care insurance. It also provides risk management services. Munich American Reassurance Company has offices in Atlanta and Chicago.

JCM Partners owns about 45 properties, including apartment communities (containing a total of about 5,000 units), one multi-tenant office/retail property, office properties, and industrial properties. Nearly half of JCM Partners' residential properties are located in Sacramento County; the remainder are in San Joaquin, Solano, Stanislaus, and Contra Costa counties. JCM runs Rent-One.com -- an online apartment rental guide.

Maine Employers' Mutual Insurance Company (MEMIC) is a private mutual insurance company that opened for business in January 1993. MEMIC was, and remains, the keystone to the landmark 1992 reforms of Maine workers' compensation law passed by the Maine Legislature and signed by then - Gov. John R. McKernan.Among other reforms, this legislation called for the creation of MEMIC as a private company that would serve as the guarantor of workers' compensation insurance for Maine companies. With its private structure, MEMIC serves as a competitive force within the workers' compensation insurance market.

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