American Fidelity Group

American Fidelity Assurance Company is a unique organization that specializes in servicing the insurance needs of individuals and companies in 49 states throughout the country. Since 1981, American Fidelity has been rated A+ (Superior) by A.M. Best Company, one of the nation’s leading insurance company rating services. These ratings are based on an analysis of the financial condition and operating performance of the company in such vital areas as: Competency of Underwriting, Control of Expenses, Adequacy of Reserves, Soundness of Investments and Capital Sufficiency.

Founded on the principle of serving the customer and protecting their investments, American Fidelity Assurance Company has grown steadily over the years through calculated growth and conservative investments practices. Over 99% of our bond portfolio is in investment grade bonds. Our Capital and Surplus percentage exceeds the industry average by almost 10%, meaning that we have ample resources to cover our obligations to our policyholders.

Allstate Workplace Division

The value of voluntary supplemental insurance can be measured during a time of need - an accident, a disabling injury, an illness or death. Allstate Workplace Division provides at the workplace the right voluntary supplemental insurance products - health, life, disability and dental - that can be customized through various levels of coverage. Everyone should be able to access at work quality insurance from a company they trust. That’s our stand.

American Heritage Life Insurance Company, founded in 1956, is licensed in 49 states, D.C., Puerto Rico, and the U.S. Virgin Islands. AHL's comprehensive portfolio of quality products includes Universal Life, Term Life, Annuities, Long Term Care, Home Health Care, Disability Income, Hospital Indemnity, Cancer, Heart/Stroke, and Accident.

American General

The American General Life and Accident Insurance Company provides life insurance to more than 4 million customers nationwide. With more than 5,000 sales employees, we are known for personal customer service, financial strength, and a tradition of excellence spanning more than a century.

On August 29, 2001, American International Group, Inc. (AIG) completed its acquisition of American General, one of the nation's largest diversified financial services organizations and a market leader in retirement services, investments, life insurance, and consumer loans.

American General is a wholly owned subsidiary of AIG, the leading U.S.-based international insurance and financial services organization and the largest underwriter of commercial and industrial insurance in the United States. Its member companies write a wide range of commercial, personal and life insurance products through a variety of distribution channels in approximately 130 countries and jurisdictions throughout the world. AIG's global businesses also include financial services and asset management, including aircraft leasing, financial products, trading and market making, consumer finance, institutional, retail and direct investment fund asset management, real estate investment management, and retirement savings products. American International Group, Inc.'s common stock is listed on the New York Stock Exchange, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.

National Benefit Partners

National Benefit Partners is an independent distribution company with producer ownership, focusing on Voluntary Employee Benefits and the Worksite Market. Unlike other wholesalers, they are not the Managing General Agent. NBP "Allied Distributors" are the MGAs and GAs, contracted directly with the "Allied Carrier" partners at the highest level. NBP, therefore, does not participate in its distributors' compensation. NBP serves its Allied Distributors with marketing support and case design expertise as a single source for Product-Carrier Services.

HM Insurance Group

HM Insurance Group, formerly Highmark Life & Casualty Group, understands the challenges of today's marketplace and has a connected portfolio of products that deliver health risk solutions.

The HM Worksite Advantage product includes Critical Illness, Accident, Traditional Cancer, Supplemental Hospital Indemnity, Disability Income and Universal Life. Guaranteed issue and portability are available on certain products.

HM Insurance Group works to protect businesses and their employees from potential financial losses associated with health costs. In addition to HM Worksite Advantage, our leading product is Stop Loss - Employer Stop Loss, Provider Excess and HMO Reinsurance. Our newest addition is HM Care Advantage, a Limited Benefit Medical Plan that is guaranteed issue and can be customized by the employer to meet the group's health care needs and premium costs. Coverage is not available in all states.

Continental American

Over the last twenty years, Continental American has distinguished itself as a leading provider of voluntary insurance products at the worksite. Today, thousands of working Americans choose Continental American to protect themselves and their families. Continental American Insurance Group is an insurance holding company that offers a broad portfolio of products through its subsidiaries and various joint venture partners. While we have secured a reputation for industry-leading products, the success of Continental American can also be attributed to our commitment to state-of-the-art technology and superior customer service. The culture of our organization is strongly rooted in its dedication to customer service. We have the knowledge and technical infrastructure to provide highly responsive and flexible support to ensure our customers’ needs are satisfied. Continental American was founded on the philosophy of putting the customer first. Everything that we do reflects this core value.

Continental American Insurance Company is a wholly owned subsidiary of Continental American Insurance Group. Founded in 1980, as Carolina Continental Insurance Company, the name was changed in 1999, to reflect the company’s growth and expansion on a national scale. Currently, Continental American is admitted in 22 states and maintains a comprehensive product portfolio. Continental American specializes in providing voluntary benefit programs to employers on a payroll deduction basis.

Trustmark

Trustmark provides worksite-enrolled payroll deduction plans to employer groups. Plans include Universal Life, featuring several Long Term Care related living benefits, a unique new Lump Sum benefit, Critical Illness Plan, Term Life, Dental, Short and Long Term Disability, and Cancer Coverage. Call our worksite subsidiary, National Worksite Benefits at (800) 840-4692 or email nwbmt@execpc.com for all the details and visit NWB's website at www.nationalworksite.com

Transamerica Worksite Marketing

Transamerica Worksite Marketing offers life, accident, and supplemental health insurance products for employers and employees through six insurance companies. The companies-and their financial rating from A.M. Best-are as follows: Transamerica Assurance company, A+; Transamerica Occidental Life Insurance Company, A+; Transamerica Life Insurance Company of New York, A+; Bankers United Life Assurance Company, A; Life investors Insurance Company of America, A+; and Monumental Life Insurance Company, A+.

Colonial

At Colonial Life & Accident Insurance Company, we create a partnership with our clients, from brokers to employees. We work to ensure the ongoing success of each partnership through quality service and personal relationships. We think you’ll appreciate our customer-driven service philosophy.

Services for employers include toll-free telephone service lines, flexible billing methods, flexible remittance methods, electronic billing capabilities, timely claims reporting, personal service representatives, and service guides for plan administrators.

Services for employees include toll-free service lines, fast claims processing, prompt resolution of service requests, individual policy issue, portable benefits, individual service guides, personalized benefits statements, Spanish support materials, and Spanish-speaking service representatives. Services for employees include toll-free service lines, fast claims processing, prompt resolution of service requests, individual policy issue, portable benefits, individual service guides, personalized benefits statements, Spanish support materials, and Spanish-speaking service representatives.

Kanawha / KMG America

Kanawha (ka-na’-wha) Insurance Company is one of the largest privately owned life insurance companies in the Southeast. It is licensed as an insurer in 44 states and as a reinsurer in New York and Connecticut. Kanawha enjoys an “A (Excellent)” rating by A.M. Best Company for 20 consecutive years and has been rated "A (Strong)" by Standard & Poor's. Since 1985, Kanawha’s net worth has grown by 13% per year to over $148 million while assets under management now exceed $600 million. This growth has been a direct result of Kanawha’s reputation for service to policyholders, customers and agents, a dedication that continues.

As a member of Insurance Marketplace Standards Association (IMSA), an industry association that sets standards for market conduct, Kanawha pledges a continuation of the highest ethical standards.

Pacific Life

Founded in 1868, Pacific Life provides life and health insurance products, individual annuities, mutual funds, and group employee benefits, and offers to individuals, businesses, and pension plans a variety of investment products and services. Over the past five years, the company has grown from the 23rd to the 14th largest life insurance company in the nation. The Pacific Life family of companies manages more than $345 billion in assets, making it one of the largest financial institutions in America, and currently counts 81 of the 100 largest U.S. companies as clients.

Pacific Life Insurance Company is rated A++ (superior) by A.M. Best, AA+ (very strong) by Standard & Poor's, AA+ (very strong) by Fitch, and Aa3 (excellent) by Moody's for financial strength. Pacific Life is a member of IMSA (Insurance Marketplace Standards Association), whose membership promotes ethical market conduct for individual life insurance and annuities.

ReliaStar Life Insurance Company, member of the ING family of companies

We have been helping people meet financial needs since our founding company issued its first life insurance policy in 1885. Today, ReliaStar Life Insurance Company is a member of the ING family of companies. Piece by piece, we have put it all together for you.

Assurity Life Insurance Company

Security Financial Life offers a wide variety of life insurance products and other financial services designed to solve complex financial problems for individuals, families, businesses and professional clients.

Security Financial Life has been providing dependable, innovative financial products since its founding in 1895. The driving force behind our company has always been the personal service we provide to our policyholders and representatives.

Through innovative product design and resourceful plan implementation, our representatives strive to present a variety of creative solutions for wealth accumulation and protection needs. Our company is a member of the Insurance Marketplace Standards Association (IMSA). Membership in IMSA is awarded only to companies who uphold the highest ethical standards.

Security Financial Life is a wholly owned subsidiary of Security Mutual Life Nebraska Holding Co., a mutual insurance holding company.

UNUM / Provident

In today’s benefit environment, your corporate clients are looking for ways to control costs, yet still provide comprehensive, competitive benefit packages. Individual customers have needs, too: they are looking for solid, affordable insurance protection that is easy to obtain and easy to buy. For many customers, both corporate and individual, Voluntary Workplace Benefits is the answer.