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.

Insurance Australia Group (IAG) provides business and personal insurance lines, including auto, home, marine, and workers' compensation insurance, in Australia, New Zealand, the UK, and four countries in Asia (China, Thailand, India, Malaysia). Brands include CGU, SGIC, SGIO, State, Swann Insurance, NZI, CAA, Safety, and Equity. The Buzz is the company's online insurance brand. IAG's products are sold by company agents and through brokers, representatives, auto dealers, and financial institutions. The company's history goes back to 1925 when it was the National Roads and Motorists' Association (NRMA).

Illinois Mutual is a McCord family affair. O.L. McCord, the great-grandfather of current chairman and president Michel A. McCord, founded Illinois Mutual Life Insurance Company in 1910, and four consecutive generations of McCord men have done their family proud by helming the insurer. Illinois Mutual specializes in disability income insurance, but also offers life insurance and annuity products. Illinois Mutual Life Insurance company's offerings include personal income protection, business expense coverage, and special risk income protection for those with medical conditions. Illinois Mutual Life Insurance Company distributes its products nationwide through more than 18,000 independent agents.

Assured Guaranty Ltd. (AGL or, together with its subsidiaries, Assured Guaranty) is a Bermuda-based holding company whose subsidiaries provide credit enhancement products to the capital markets through its three principal insurance subsidiaries: Assured Guaranty Corp. (AGC), Assured Guaranty Municipal Corp. (AGM) and Assured Guaranty Re Ltd. (AG Re). In addition to its headquarters in Hamilton, Bermuda, Assured Guaranty has offices in New York, San Francisco, London, Madrid, Sydney and Tokyo.

Quincy Mutual Fire Insurance, along with subsidiary Patrons Oxford Insurance (which operates only in Maine), provides personal and commercial property/casualty coverage to more than 300,000 policyholders throughout New England. Products include auto, homeowners, specialty dwelling, workers' compensation, commercial umbrella, and business owners insurance. The company sells its products through some 500 independent agents in Connecticut, Maine, Massachusetts, New Jersey, New York, and Rhode Island. Quincy Mutual Fire Insurance was founded in 1851.

For over 90 years, Auto-Owners has been dedicated to the independent agency system. We're proud to be ranked among the Fortune 500 every year since 2002, and our written premium is over $4.4 billion.Comprised of five property and casualty companies and one life/health/annuity insurer, the group is recognized for exceptional financial strength and stability among the nation's largest insurers

SafeAuto Insurance Company is a property and casualty insurance carrier based in Columbus, Ohio, that was founded in 1993. Today, the company provides the state minimum insurance coverage to automobile drivers in 14 states including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Missouri, Arizona, Oklahoma and Texas.

Founded in 1958, United Teacher Associates Insurance Company became a subsidiary of Great American Financial Resources in 1999. For United Teacher Associates (UTA), the three "Rs" are really reading, writing, and retirement. Doing business as United Teacher Associates Insurance Company, it offers a mix of life insurance, disability insurance, and other products. The company helps teachers prepare for their golden years with tax-deferred annuities, long-term care, and Medicare supplement insurance. UTA is licensed to operate throughout most of the US (46 states) but its business is concentrated in Louisiana, Mississippi, and Texas. Its products are distributed through independent agents.

Brown & Brown, Inc., together with its subsidiaries, operates as a diversified insurance agency, wholesale brokerage, insurance programs, and service organization in the United States. Its Retail segment provides various insurance products and services to commercial, public and quasi-public entity, professional, and individual customers. It provides insurance relating to physical damage to property, and resultant interruption of business or extra expense caused by fire, windstorm, or other perils; casualty insurance relating to legal liabilities, workers compensation, and commercial and private passenger automobile coverage; and fidelity and surety bonds. This segment also sells and services group and individual life, accident, disability, health, hospitalization, medical, and dental insurance; and provides risk management and loss control surveys and analysis, and consultation services.

Advance Insurance Company of Kansas was established to take over the operations of a predecessor in 2004. No, they won't give you an advance until payday, but Advance Insurance Company of Kansas will set you up with some life or disability insurance through your employer. Advance Insurance Company of Kansas offers individual and group life, accidental death & dismemberment, and disability benefits in conjunction with the health benefits provided by parent Blue Cross and Blue Shield of Kansas (BCBSK). Advance Insurance company operates in all but two Kansas counties. Its products are sold through BCBSK representatives and brokers.

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