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AON CORPORATION (AOC)

Aon Corporation provides risk management services, insurance and reinsurance brokerage, human capital and management consulting, and specialty insurance underwriting solutions worldwide. The company operates in three segments: Risk and Insurance Brokerage Services, Consulting, and Insurance Underwriting. The Risk and Insurance Brokerage Services segment offers retail and wholesale brokerage services, affinity products, managing general underwriting, placement and captive management services, and finance services for small, mid-sized, and large companies; advisory services in program design and claim recoveries. It also offers risk identification and assessment, safety engineering, claims and loss cost management, and program administration services. The Consulting segment provides advice and services to clients for employee benefits, compensation, management consulting, communications, human resource outsourcing, and strategic human resource consulting. The Insurance Underwriting segment provides specialty insurance products, including supplemental and credit accident, health, and life insurance; extended warranty products, and select property and casualty insurance products and services. Aon Corporation was founded in 1919 and is based in Chicago, Illinois.


AFLAC INCORPORATED (AFL)

AFLAC Incorporated, through its subsidiaries, sells supplemental health and life insurance in the United States and Japan. The company sells cancer plans and various types of health insurance, including accident and disability, fixed-benefit dental, personal sickness and hospital indemnity, hospital intensive care, long-term care, ordinary life, and short-term disability plans in the United States. It offers cancer plans, care plans, general medical expense plans, medical/sickness riders to its cancer plan, a living benefit life plan, ordinary life insurance plans, and annuities in Japan. AFLAC underwrites its policies individually and markets through independent agents, as well as through independent corporate agencies and individual agencies. The company was founded by brothers John, Paul, and Bill Amos in 1955. AFLAC is headquartered in Columbus, Georgia.


PICO HOLDINGS INC (PICO)

PICO Holdings, Inc. operates as a diversified holding company. The company, through its subsidiaries, operates in water resource and water storage; real estate operations in Nevada; business acquisitions and financing; and insurance operations in run off. The company, through Vidler Water Company, Inc., engages in owning and developing water rights and water storage operations in the southwestern United States. It develops new sources of water for municipal and industrial use, and necessary storage infrastructure to facilitate the allocation of available water supplies. The company owns and develops land, and related mineral and water rights in Nevada through its subsidiary, Nevada Land & Resource Company, LLC. PICO Holdings engages in the acquisition and financing of businesses. The company, through Physicians Insurance Company of Ohio and Citation Insurance Company, is running off the medical professional liability insurance, and historical property and causality insurance. It also develops and provides software, ticker plant technologies, and managed services to the financial markets industry, through its subsidiary, HyperFeed Technologies, Inc. The company is based in La Jolla, California.


FPIC INSURANCE GROUP INC (FPIC)

FPIC Insurance Group, Inc. provides specialty property and casualty insurance, as well as insurance management services in the United States. It offers medical professional liability insurance products and related risk management services for physicians, dentists, and other healthcare providers primarily in Florida and Missouri. In addition, the company provides insurance management services to other insurance carriers, as well as offers administrative and claims management services to municipalities and other employers that maintain group accident and health, workers' compensation, liability, and property self insurance plans. FPIC Insurance provides its products and services primarily in Florida, Georgia, and Arkansas. The company is headquartered in Jacksonville, Florida.


EASTERN INSURANCE HOLDINGS INC (EIHI)

Eastern Insurance Holdings, Inc., through its subsidiaries, offers workers' compensation and group benefits insurance products and reinsurance products in the United States. It operates in five segments: Workers' Compensation Insurance, Segregated Portfolio Cell Reinsurance, Group Benefits Insurance, Specialty Reinsurance, and Corporate/Other. The Workers' Compensation Insurance segment provides workers' compensation insurance coverage, including guaranteed cost policies, policyholder dividend policies, retrospectively-rated policies, large deductible policies, and alternative market products to small and medium sized businesses in rural and suburban Pennsylvania, Maryland, and Delaware. The Segregated Portfolio Cell Reinsurance segment offers various services, including program design, fronting, claims adjusting, investment management, and cell rental services to self-insured workers' compensation plans. The Group Benefits Insurance segment provides dental, short and long-term disability, and term life insurance products to small and medium sized businesses. The Specialty Reinsurance segment assumes business through its participation in reinsurance treaties with an unaffiliated insurance company related to an underground storage tank program and a non-hazardous waste transportation product. The Corporate/Other segment provides claims adjusting and risk management services to self-insured workers' compensation, and property and casualty plans. Eastern Insurance Holdings is headquartered in Lancaster, Pennsylvania.


UNUMPROVIDENT CORPORATION (UNM)

UnumProvident Corporation provides group and individual income protection products in the United States and the United Kingdom. The company operates in five segments: Income Protection; Life and Accident; Colonial; Individual Income ProtectionClosed Block; and Other. The Income Protection segment includes group long-term and short-term income protection insurance, individual income protection, issued insurance, group and individual long-term care insurance, and disability management services. The Life and Accident segment includes insurance for life, accidental death and dismemberment, cancer, and critical illness. The Colonial segment includes insurance for income protection products, life products, and cancer and critical illness products marketed by its subsidiary Colonial Life & Accident Insurance Company. The Individual Income ProtectionClosed Block segment consists of those individual income protection policies in force prior to its substantial changes in product offerings, pricing, distribution, and underwriting. The Other segment includes results from products no longer actively marketed, including individual life and corporate-owned life insurance, reinsurance pools and management operations, group pension, health insurance, and individual annuities. UnumProvident markets its portfolio of products primarily to employers interested in providing benefits to their employees. The company was founded in 1848 and is headquartered in Chattanooga, Tennessee.


AMERISAFE INC (AMSF)

AMERISAFE, Inc., through its subsidiaries, engages in marketing and underwriting workers' compensation insurance. Its workers' compensation insurance policies provide benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. In addition, the company offers general liability insurance coverage to its workers' compensation policyholders in the logging industry. AMERISAFE serves small and midsized employers engaged in hazardous industries, principally construction, trucking, logging, sawmills, agriculture, oil and gas, sawmills, and maritime. The company markets its products in 31 states and the District of Columbia through independent agencies, as well as through its insurance agency subsidiary. AMERISAFE was incorporated in 1985 and is based in DeRidder, Louisiana.


STANCORP FINANCIAL GROUP INC (SFG)

StanCorp Financial Group, Inc., a holding company, provides employee benefit products and services serving the life and disability insurance needs of employer groups and individuals. Through its subsidiaries, the company underwrites individual disability insurance and annuity products, as well as group long term and short term disability, group life, accidental death and dismemberment (AD&D), and dental insurance products. It also originates and services small commercial mortgage loans for investment portfolios of its insurance subsidiaries; and originates and services commercial mortgage loans for institutional investors. Further, StanCorp provides performance analysis, fund selection support, and model portfolios to its retirement plan customers and other third parties, as well as offers investment management services to third parties and its subsidiaries. The company sells its products through sales representatives, general agents, brokers, and employee benefit consultants and other distributors. StanCorp was incorporated in 1998 and is headquartered in Portland, Oregon.


ASSURANT INC (AIZ)

Assurant, Inc., a holding company, provides specialized insurance products and related services worldwide. The company operates in four segments: Assurant Solutions, Assurant Health, Assurant Employee Benefits, and Assurant PreNeed. The Assurant Solutions segment develops, underwrites, and markets specialty insurance products and services through financial institutions, mortgage lenders and servicers, retailers, manufactured housing and automobile dealers, utilities, and other entities in North America, the Caribbean, South America, and Europe. The Assurant Health segment writes of individual and short-term major medical health insurance. It also provides small employer group health insurance to employer groups primarily of two to fifty employees in size, and health insurance plans to full-time college students. This segment offers individual health insurance products and small employer health insurance products. The Assurant Employee Benefits segment offers group dental benefit plans sponsored by employers and funded through payroll deductions based on the number of master contracts in force. It also provides disability and term life insurance products and related services to small and medium-sized employers based on number of master contracts in force. This segment offers group dental, group disability insurance, and group term life insurance. The Assurant PreNeed segment offers prefunded funeral insurance products to consumers over the age of 65 and with an average issue age of 72. Its products provide benefits to cover the costs incurred in connection with prearranged funeral contracts. The segment distributes its products primarily through funeral homes. The company serves financial institutions, mortgage lenders and servicers, retailers, manufactured housing and automobile dealers, utilities, and other entities, as well as funeral homes and selected third-party general agencies. Assurant is headquartered in New York City.


AMERICAN INDEPENDENCE CORP (AMIC)

American Independence Corp. (AIC), through its wholly owned subsidiary, Independence American Insurance Company, engages in the health insurance and reinsurance business in the United States. The company underwrites and markets employer medical stop-loss, provider excess loss, and health maintenance organization reinsurance products for Standard Security Life Insurance Company of New York; Madison National Life Insurance Company, Inc.; and Independence American Insurance Company. AIC participates primarily in pro rata reinsurance treaties with Standard Security Life Insurance Company of New York and Madison National Life Insurance Company, Inc. The company is headquartered in New York City.


PENN TREATY AMERICAN CORPORATION (PTA)

Penn Treaty American Corporation, through its subsidiaries, provides long term care insurance in the United States. The company offers individual, defined benefit accident, and health insurance policies covering long-term care services, including confinement to nursing facilities and assisted living facilities, as well as home healthcare. It offers various products, which include the Assisted Living Plus policy, which provides coverage for facility care and includes an optional home healthcare rider; Personal Freedom policy, which provides coverage for facility and home healthcare; Independent Living policy, which offers coverage for home and community-based care furnished by licensed care providers, as well as unlicensed caregivers; Post Acute Recovery policy, which provides coverage for short-term recuperative care received in a long-term care facility, or the policyholder's home; Secured Risk product, which is a limited benefit policy designed for substandard risks; and Simple LTC Solution, which offers a long-term care insurance and includes features, such as a policyholder co-payment for covered services. In addition, it offers various riders to the base policies, including inflation protection, which provides escalating benefit amounts, and a nonforfeiture benefit, which guarantees certain paid-up benefits in the event the policy lapses in the future. The company was incorporated in 1965 under the name Greater Keystone Investors, Inc. and changed its name to Penn Treaty American Corporation in 1987. Penn Treaty American Corporation is based in Allentown, Pennsylvania.


CONSECO INC (CNO)

Conseco, Inc., through its subsidiaries, engages in the development, marketing, and administration of supplemental health insurance, annuity, individual life insurance, and other insurance products in the United States. The company operates in two groups, Bankers Life and Conseco Insurance. The Bankers Life group markets and distributes Medicare supplement insurance, life insurance, long-term care insurance, and annuities to the senior market through exclusive career agents and sales managers. It also markets graded benefit and simplified issue life insurance directly to consumers through television advertising, direct mail, the Internet, and telemarketing. The Conseco Insurance Group markets and distributes specified disease insurance, Medicare supplement insurance, and certain life and annuity products to the senior and middle-income markets through independent marketing organizations that represent producing independent agents. The company was founded as Security National of Indiana Corp. in 1979 and changed its name to Conseco, Inc. in 1984. Conseco is headquartered in Carmel, Indiana.