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.

Kroll Factual Data is a leading provider of independent verification services to mortgage lenders, banks, credit unions, property management firms, and other businesses. Combining innovative services with cutting-edge technology and industry-leading customer service, Kroll Factual Data enables prompt, accurate decisions.

USHEALTH is owned by a division of Credit Suisse. USHEALTH (formerly Ascent Assurance) wants to protect YOURHEALTH. The insurance holding company provides medical and supplemental health insurance through its subsidiaries, primarily to the self-employed and small businesses. The company's products include health spending accounts (HSA) and fixed-rate health insurance. USHEALTH also offers indemnity policies for the treatment of specified diseases and lump sum payments upon the diagnosis of catastrophic illness. The company's products are sold through its own network of career agent organizations.

AEGON N.V., through its subsidiaries, provides life insurance, pensions, and investment products in the Americas, Europe, and Asia. The company also involves in accident, supplemental health, general insurance, and banking activities. Its life insurance products include permanent and universal insurance; traditional life products, such as life insurance sold as part of defined benefit pension plans, endowment policies, post-retirement annuity products, and group risk products; endowment insurance; term and whole life insurance; annuity insurance; endowment savings; variable unit linked products; and health insurance products. The company also offers individual savings and retirement products, including savings accounts and investment contracts, fixed and variable annuities, and retail mutual funds; pensions and asset management products, such as individual and corporate pensions, investment, and asset management products, as well as institutional and retail funds, and life and pensions products; and guaranteed investment contracts, funding agreements, and medium-term notes. AEGON also provides employer solutions, such as single premium group annuities; and reinsurance products and solutions to life insurance and financial services companies. In addition, it offers asset management services, including general account assets, unit-linked portfolio, and guaranteed fund; general insurance products, such as house, car, and fire insurance; supplemental health insurance; and investment advisory services. The company offers its products through financial advice channel, specialist employee benefit consultancies, independent and career agents, financial planners, registered representatives, independent marketing organizations, banks, regional and independent broker-dealers, benefit consulting firms, wirehouses, and affinity groups, as well as through online, and direct and worksite marketing. AEGON was founded in 1900 and is headquartered in The Hague, the Netherlands.

John A. Folino is RTI Insurance Services' founder, President and CEO. With offices expanding throughout Pennsylvania, Maryland and Florida, RTI has successfully flourished as a result of mutually beneficial, long-term relationships with clients.Mr. Folino graduated from Duquesne University with a degree in Business Administration. He entered the insurance industry as an independent agent and rapidly became one of the most accomplished producers in the field. With 27 years experience, Mr. Folino has navigated RTI in to a well-established firm by strategic acquisition of key agencies in Western Pennsylvania and Florida, as well as by organic acquisition of new clients.

RSUI is a leading underwriter of wholesale specialty insurance. We work with insurance wholesalers to provide a wide range of insurance products, including: property, casualty, professional liability and directors and officers ("D&O") liability coverage. RSUI provides insurance to thousands of companies nationwide. With over fifteen years of commitment to wholesale specialty insurance, we're focused on service and underwriting integrity. By working with a select number of wholesale producers and reinsurers, we are able to provide high levels of support and service--something critical to wholesalers' success.

Founded in 1863 as a fire insurance company, Baloise-Holding today is a general insurer that sells such standardized products as group and individual life policies and accident, property, and auto insurance to small firms and individuals. Baloise-Holding company is one of the leading insurers in Switzerland, operating primarily there and in Germany; together the countries account for about 80% of its sales. Through subsidiaries, it also operates in six other nearby countries including Croatia and Serbia. Baloise also provides banking, pension plans, and other financial services through its Baloise Bank SoBa. Baloise-Holding company uses its own sales force as well as partner distributors and independent brokers to sell its wares.

MMA is an established and financially secure UK general insurer. Our parent company MMA IARD Assurances Mutuelles was founded 180 years ago and is part of the Covéa Group; one of the leading property and liability mutuals in France with an annual turnover of €13 billion and assets of €60 billion.The MMA Group has over 3 million customers spending nearly €6 billion in premiums every year. Across Europe, MMA has over 13,000 staff and 2,000 branches.

Selective Insurance Group, Inc., together with its subsidiaries, provides property and casualty insurance products in the United States. The company operates in two segments, Insurance Operations and Investments. The Insurance Operations segment sells property and casualty insurance products and services primarily in 22 states in the eastern and Midwestern United States. It underwrites and issues commercial lines of insurance, such as general liability (including excess liability/umbrella), commercial automobile, workers compensation, commercial property, business owners’ policies, and bond risks through traditional insurance and alternative risk management products; and personal lines insurance for personal automobile and homeowners. This segment also provides federal flood insurance administrative services. The Investments segment invests in fixed maturity investments, equity securities, short-term investments, and other investments primarily in Parsippany, New Jersey. The company sells and distributes its products and services through independent insurance agents. Selective Insurance Group, Inc. was founded in 1925 and is headquartered in Branchville, New Jersey.

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.

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