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.

Sanlam Limited company has been expanding its investment business through segments including Sanlam Investment Management, its Octane hedge fund of funds, and its SIM Emerging Markets, which focuses on African economies. Charlize Theron may have run away to Hollywood, but the Sanlam Group keeps its star power at home in South Africa. Targeting middle-market and affluent clients, the company provides insurance and wealth management services. Major segments are life insurance (including annuities and other investment products) and short-term insurance (property and casualty coverage sold through majority-owned Santam).

Foyer S.A. operates through various subsidiaries such as Foyer Re, Le Foyer Vie, Europ Assistance, and Le Foyer Santé. It offers a variety of life and non-life insurance products including coverage for automotive liability and comprehensive damage, civil liability, property damage, and commercial transport, as well as reinsurance and legal expense coverage. In 2005 the company simplified its name from Le Foyer, Compagnie Luxembourgeoise S.A. to the present form. Holding company Le Foyer Finance owns nearly 80% of Foyer.

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.

Prudential plc provides retail financial services in Asia, the United States, and the United Kingdom. It offers savings, protection, investment, and unit-linked products; and manages retail assets investing in equities, fixed income, and structured products, as well as institutional and internal assets investing in equities, fixed income, property, and private equity. The company also provides retirement savings and income solutions, variable annuities, fixed and fixed index annuities, term and permanent life insurance, and institutional products, as well as asset management and retail brokerage services. In addition, it offers retail products, such as individual annuities, income drawdown, individual and corporate pensions, with-profits and unit-linked bonds, lifetime mortgages, and health insurance products; and wholesale products, including bulk annuities and annuity back-books. Further, Prudential plc manages funds for retail businesses, including open ended investment companies and unit trusts, investment trusts, and individual savings accounts; and institutional businesses, which include segregated equity and fixed interest, pooled pension funds, and structured and private finance. Prudential plc offers its products through independent broker-dealers, independent agents, banks, regional broker-dealers, registered investment advisors, and financial advisers, as well as directly to customers through telephone, Internet, and mail. It has strategic partnerships with China International Trust and Investment Corporation Group, ICICI Bank, and Bank of China International. Prudential plc was founded in 1848 and is headquartered in London, the United Kingdom.

Island Insurance and its Tradewind Insurance and Island Premier Insurance affiliates operate together as the Island Insurance Companies. The insurers offer Hawaiians a range of personal and commercial coverage including auto, homeowners, liability, workers' compensation, umbrella policies, and it also provides loss control and audit services. Among its offerings are automobile, homeowners, flood, workers' compensation, and umbrella policies. Additionally, the group offers surety bonds for private and public contracts and other projects. Island Insurance was founded in 1939.

Personal Group Holdings may seem like an oxymoron to some, but not to these folks. Established in 1984, Personal Group Holdings provides employee benefits administration, insurance brokerage services, mortgage services, and financial planning through subsidiaries such as Personal Insurance & Reinsurance Brokers, Personal Group Benefits, Personal Assurance, and Personal Assurance Financial Services. Clients include Game Stores, Universal Music, and Marston's. In 2005 Personal Group Holdings bought Berkeley Morgan Group, an insurance and finance advising company.

Hannover Rückversicherung AG, together with its subsidiaries, operates as a reinsurance company worldwide. It offers non-life reinsurance products and services, including property and casualty reinsurance; structured reinsurance; marine and aviation reinsurance; credit and surety reinsurance, as well as reinsurance products for political risks; facultative and catastrophe reinsurance; reinsurance for agricultural risks; and treaty reinsurance, as well as financial reinsurance and specialty insurance. The company also provides life and health reinsurance products and services, such as life, health, annuity, and personal accident reinsurance.

QBE Insurance Group may be one of Australia's leading insurers, but it also has a hefty global reach. The company offers a variety of insurance and reinsurance through offices in about 50 countries. QBE provides general property/casualty policies, as well as liability, auto, marine, aviation, energy, accident, workers' compensation, and professional indemnity coverage. The company writes both individual and commercial insurance policies and also administers reinsurance coverage. Its products are sold through direct and independent representative agencies. QBE Insurance Group earns about three-fourths of its revenue outside of Australia.

When other insurance carriers reject you, don't cry a river, call one! James River Group writes specialty property/casualty insurance through its two primary operating subsidiaries. James River Insurance offers excess & surplus lines (policies that have been rejected by standard carriers), including general casualty, professional liability, and environmental coverage in 49 states and Washington, DC. Stonewood Insurance provides workers' compensation in North Carolina and Virginia, primarily for homebuilders. The company distributes its products through a network of independent brokers and agents. Private investment firm D. E. Shaw owns James River.

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