John Lansing's Trending123
John Lansing's Trending123
Username: Password: Login
Trade Talk E-Letter Products & Services Trading Tools Portfolios Members Home

Stock Sectors

(Click sector to view stock chart)


Stock Charts
(Click stock symbol to view stock chart, Support, Resistance, Pivot, Option chain, Volume, P/E, High, Low, Close, Market Cap, Average Volume, Dividend, % Change, $ Change, R1, R2, S1, S2, Previous Close, RSI - MACD - Williams %R - Stochastics - PPO, CMF, ADX, Aroon and more.......)


Atlantic American Corporation, an insurance holding company, through its subsidiaries, offers life, health, property, and casualty insurance products. It provides fleet automobile and long-haul physical damage insurance coverage to state governments, local municipalities, and other motor pools and fleets. The company also provides workers' compensation, commercial property, general liability, commercial automobile, umbrella, inland marine, and mechanical breakdown coverage services throughout the southeastern United States and Texas. In addition, it offers ordinary life, medicare supplement, cancer, and other supplemental health insurance products. The company is based in Atlanta, Georgia.


Ambac Financial Group, Inc., through its subsidiaries, provides financial guarantee products and other financial services to clients in both the public and private sectors worldwide. The company operates in two segments, Financial Guarantee and Financial Services. The Financial Guarantee segment provides financial guarantees, including structured credit derivatives for public finance, structured finance, and other obligations. The Financial Services segment offers investment agreements, interest rate swaps, total return and currency swaps, and funding conduits. Its clients primarily include municipalities and other public entities, health care organizations, and asset-backed issuers. The company was founded in 1971. It was formerly known as Ambac, Inc. and changed its name to Ambac Financial Group, Inc. in 1997. Ambac Financial Group is headquartered in New York City.


American Physicians Capital, Inc., through its subsidiaries, provides medical professional liability insurance in the United States. It underwrites medical professional liability coverage for physicians, their corporations, medical groups, clinics, and ancillary healthcare providers. The company primarily offers its services in Michigan, Indiana, Illinois, Ohio, Kentucky, and New Mexico. American Physicians Capital was founded in 1975 and is headquartered in East Lansing, Michigan.


ACE limited, a holding company, provides insurance and reinsurance products worldwide. It operates through four segments: Insurance North American, Insurance Overseas General, Global Reinsurance, and Financial Services. The North American segment primarily provides insurance and reinsurance products to commercial and noncommercial enterprises and consumers. Its products include excess liability, excess property, workers' compensation, general liability, automobile liability, professional lines, aerospace, accident and health coverages, and claim and risk management products. The Insurance Overseas General segment writes various insurance products, including property, casualty, professional lines, marine, energy, aviation, political risk, and consumer-oriented products. The Global Reinsurance segment principally provides property catastrophe reinsurance to insurers of commercial and personal property, marine, general aviation, and medical malpractice worldwide. It also offers treaty and life reinsurance. The Financial Services segment offers structured products, loss portfolio transfers (LPTs), and principal finance products. ACE limited also provides claim management and loss-cost reduction services, including medical managed care, integrated disability services, and preloss control and risk management services, as well as sells salvage and subrogation, and health care recovery services. The company primarily distributes its insurance products through retail and wholesale brokers, as well as through general agents, independent agents, managing general agents, managing general underwriters, direct marketing operations, and Internet distribution channels. ACE Limited was incorporated in 1985 and is headquartered in Hamilton, Bermuda.


Arch Capital Group, Ltd., through its wholly owned subsidiaries, provides insurance and reinsurance worldwide. The company operates two through segments: Reinsurance and Insurance. The Reinsurance segment writes lines on specialty property and casualty reinsurance treaties. It primarily focuses on casualty; other specialty; property, excluding property catastrophe; property catastrophe; and marine and aviation. The Insurance segment writes business on both an admitted and nonadmitted basis. It focuses on casualty, programs, property, marine and aviation, professional liability, construction and surety, executive assurance, and healthcare. The company sells its insurance group products primarily through licensed independent brokers and wholesalers in Bermuda, the United States, and Europe. Arch Capital Group was founded in 1995 and is based in Hamilton, Bermuda.


AEGON N.V. operates as an international insurance company. The company, through its subsidiaries, provides various life insurance, pensions, savings, and investment products, as well as accident and health insurance, property and casualty insurance, and banking services. Its life insurance products include permanent and term life insurance. AEGON's banking products include savings accounts and various investment contracts, including segregated funds, mutual funds, guaranteed investment accounts, single premium annuities, and leverage-lending programs. It also engages brokerage activities of residential and commercial real estate, and real estate management business. The company offers its insurance products through independent agents, registered representatives, financial advisors, and specialized marketing organizations in the Netherlands, the United States, Canada, the United Kingdom, Hungary, Spain, China, and Taiwan. AEGON is headquartered in The Hague, The Netherlands.


American Financial Group, Inc. (AFG), through its subsidiaries, engages in property and casualty insurance business in the United States. The company primarily offers property and transportation insurance that comprise inland and ocean marine products, agricultural-related products, and commercial automobile insurance; specialty casualty products, which consist of executive and professional liability, umbrella and excess liability, and excess and surplus; and specialty financial products that include fidelity and surety bonds, and collateral protection, as well as and workers' compensation. The company's other activities include the sale of retirement annuities, life, and supplemental health insurance products. AFG is headquartered in Cincinnati, Ohio.


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.


Argonaut Group, Inc. underwrites specialty insurance products in the property and casualty markets in the United States. Through its operating subsidiaries, which include Colony Insurance Company, Rockwood Casualty Insurance Group, Argonaut Insurance Company, Argonaut Great Central Insurance Company, and Trident Insurance Services LLC, the company provides various specialty products in all 50 states on both an admitted and non-admitted basis. It operates in four segments: Excess and Surplus Lines, Risk Management, Select Markets, and Public Entity. The Excess and Surplus Lines segment provides commercial liability, commercial property, products liability, and environmental liability coverages to commercial enterprises, including restaurants, artisan contractors, day-care centers, and manufacturers. It also provides professional liability coverage for health care providers and other professionals. The Risk Management segment offers workers' compensation, as well as underwrites commercial insurance comprising general liability and commercial automobile. The Select Markets segment provides property, general liability, commercial automobile, workers' compensation, and casualty insurance with a focus on hospitality; retail services; and organizations, associations, and institutional markets. The Public Entity segment offers insurance packages, including property, inland marine, crime, general liability, public officials' liability, law enforcement liability, automobile liability, automobile physical damage, and excess liability coverages for small to medium-sized governmental entities. The company offers its products and services through wholesale agents, independent agents, and brokers. Argonaut Group was incorporated in 1986 and is headquartered in San Antonio, Texas.


American International Group, Inc., through its subsidiaries, engages in a range of insurance and insurance-related activities in the United States and internationally. The company operates in four segments: General Insurance, Life Insurance and Retirement Services, Financial Services, and Asset Management. The General Insurance segment offers property and casualty insurance, excess liability, inland marine, environmental, workers compensation, excess and umbrella coverages, aviation, accident and health, equipment breakdown, directors and officers' liability, difference-in-conditions, kidnap-ransom, export credit and political risk, and various types of professional errors and omissions coverages. Life Insurance and Retirement Services segment offers individual and group life, payout annuities, endowment and accident, and health policies. The company also provides investment-oriented products, such as fixed and variable annuities. Financial Services segment engages in financial products and services, including aircraft leasing, capital market transactions, and consumer and insurance premium financing. Its consumer finance products include real estate mortgages, consumer loans, retail sales finance, and credit-related insurance. Asset Management segment's operations comprise various investment-related services and investment products, including institutional and retail asset management, broker dealer services, and spread-based investment business. The company offers its services from approximately 2,200 offices in the United States, 8 offices in Canada, and several offices internationally. American International Group was formed in 1967 and is based in New York City.


Arthur J. Gallagher & Co. and its subsidiaries (Gallagher) provide insurance brokerage, risk management, and related services to clients in the United States and internationally. The company operates in Brokerage and Risk Management segments. The Brokerage segment comprises the Brokerage Services-Retail Division (BSD), Specialty Marketing and International (SMI), and Gallagher Benefit Services (GBS) divisions. The BSD division provides insurance for and services commercial, industrial, institutional, governmental, religious, and personal accounts. SMI division offers insurance services for commercial, industrial, institutional, governmental, and religious organizations. GBS division manages employee benefit programs through fully insured and self-insured programs. It also provides services in connection with the design, financing, implementation, and administration, as well as in connection with the communication of compensation and employee benefit programs, including pension and profit-sharing plans, group life, health, accident and disability insurance programs, and income tax deferral plans. Risk Management segment services include claims management, risk control consulting services, information management, and property appraisals on an integrated, select, or stand-alone basis. The company's investment portfolio includes tax investments, real estate partnerships, and an investment in Allied World Assurance Holdings, Ltd., an alternative investment fund manager. Gallagher serves its clients through a network of approximately 250 sales and service offices in the United States and 7 countries abroad. The company was founded by Arthur J. Gallagher in 1927 and is headquartered in Itasca, Illinois.


Corporation, through its wholly owned subsidiaries, offers property and casualty insurance, life insurance, and financial services products in the United States. The company provides a range of property and casualty insurance products, including automobile, homeowner, farmowner, commercial, and manufactured home products in Georgia and Mississippi; and life insurance products, such as whole life, term life, interest sensitive whole life, and universal life products in Alabama, Georgia, and Mississippi. It also offers consumer financing, commercial leasing, and benefit services. The company is based in Montgomery, Alabama. Alfa Corporation is a subsidiary of the Mutual Group.


The Allstate Corporation operates as the holding company for Allstate Insurance Company. The company, through Allstate Insurance Company, and Allstate Life Insurance Company and affiliates, provides personal property and casualty insurance products and services primarily in the United States. It operates in two segments, Allstate Protection and Allstate Financial. Allstate Protection segment sells private passenger auto and homeowner's insurance. It also sells various personal property and casualty insurance products, including landlords, personal umbrella, renters, condominium, residential fire, manufactured housing, boat owners, and selected commercial property and casualty. Allstate Financial segment provides life insurance, retirement, and investment products to individual and institutional customers. Its products include traditional life, interest-sensitive life, variable life, and single premium life; fixed annuities, including traditional deferred annuities, market value adjusted annuities, equity-indexed annuities, and immediate annuities; variable annuities; other protection products, such as long-term care, accidental death, hospital indemnity, structured settlement annuities, and disability income insurance; and institutional products, such as funding agreements sold to investors. In addition, it offers various bank products, such as certificates of deposit, money market accounts, savings accounts, checking accounts, first mortgage loans, and home equity loans. The company distributes its products through independent agents, Allstate exclusive agencies, financial institutions, and broker dealers. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois.


American Claims Evaluation, Inc. provides various vocational rehabilitation and disability management services, through its wholly owned subsidiary, RPM Rehabilitation & Associates, Inc. (RPM). Its services include convening the claimant, the employer of injury, and associated medical professionals, utilizing the principles of job accommodation, job modification, and transitional work, which enable the injured workers' abilities to reintegrate them into their respective communities. RPM provides vocational rehabilitation services to the Washington State Department of Labor & Industries. The company markets its services directly to healthcare payers. American Claims was founded by Gary Gelman in 1981 and is based in Jericho, New York.


American National Insurance Company provides insurance services principally in the United States. It operates in eight segments: Multiple Line, Home Service, Independent Marketing, Health, Senior Age Marketing, Direct Marketing, Credit Insurance, Capital and Surplus, and Other. Multiple Line segment sells individual life, annuity, accident/health, and property/casualty products. Home Service segment offers individual life, annuity and accident/health insurance products in the United States and Mexico. Independent Marketing segment provides life and annuity insurance products, which are marketed through independent marketing organizations. Health segment sells accident/health insurance plus group life insurance marketed through group brokers and third-party marketing organizations. Senior Age Marketing segment offers medicare supplement plans, as well as individual life, annuities, and accident/health insurance products. Direct Marketing provides individual life insurance, which are marketed using direct selling methods. Credit Insurance segment sells credit insurance products. Capital and Surplus segment engages in investment activities. Other segment operations relate to non-insurance, reinsurance assumed, and retirement benefits. The company also operates in the District of Columbia, Puerto Rico, Mexico, and American Samoa. It is also authorized to sell its products to American military personnel in western Europe.


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.


American Safety Insurance Holdings, Ltd., a specialty insurance holding company, through its subsidiaries, provides insurance solutions in the alternative insurance market for environmental remediation, contracting, and other specialty risks in the United States and Bermuda. The company develops, underwrites, manages, and markets property and casualty insurance and reinsurance coverage and services in 50 states. American Safety Insurance operates principally in three segments: Environmental, Excess and Surplus Lines, and Program Business. The Environmental segment provides insurance programs primarily for the environmental risks of environmental contractors, consultants, storage tank owners, commercial real estate owners, manufacturing facilities, hazardous waste facilities, and dry cleaner operators. The Excess and Surplus Lines segment's coverage consist primarily of general liability for construction risks and a mix of habitational and products liability risks. The Program Business segment facilitates the offering of insurance to homogeneous groups of risks. The company offers specialty programs, including customized insurance for varying specialty and homogeneous groups of risks, including commercial business packages for small businesses, pest control operators, lawyers' professional liability, taxicab operators, and bail bonds. It also provides specialized insurance program development, underwriting, reinsurance, program management, brokerage, loss control, claims administration, and marketing services. American Safety Insurance was formed in 1986 and is based in Hamilton, Bermuda.


AXA, through its subsidiaries, provides financial protection and asset management services primarily in western Europe, North America, the Asia Pacific region, the Middle East, and Africa. The company operates through five segments: Life and Savings, Property and Casualty, International Insurance, Asset Management, and Other Financial Services. Life and Savings segment offers life insurance products, including life, retirement, health, and savings-related insurance products. Property and Casualty segment provides personal and commercial insurance products, such as automobile, homeowners/household, property, and general liability insurance. International Insurance segment offers reinsurance products principally related to property and catastrophe covers; and includes property damage, third-party liability, motor, marine and aviation, credit bond, life and health reinsurance. This segment also offers transport, construction risk, financial risk, and directors and officers liability coverage products, as well as loss-prevention and risk management services. Asset Management segment provides investment management and related services to individual investors, private customers, mutual funds, and institutional customers. Other Financial Services segment offers various financial services; banking services, including cash and securities flow management, as well as bank account services; and short-term loans. The company offers its products and services through insurance and reinsurance brokers, and direct sales force. AXA was founded in 1852 and is headquartered in Paris, France.


Allianz Aktiengesellschaft, a holding company, provides various financial services worldwide. The company offers property-casualty, life/health, banking, and asset management products and services. It provides property-casualty and life/health products and services on an individual and group basis. It offers automobile, homeowners, travel, fire and property, personal accident, personal lines products, and endowment, annuity, and term insurance products, as well as health, disability, and related coverage. Its insurance products and services also include credit insurance, marine and aviation insurance, international industrial risks reinsurance, and travel and assistance insurance. Allianz also offers private, commercial, and investment banking products and services for corporate, governmental, and individual customers, primarily in the Europe. Its principal banking products and services include commercial banking, such as deposit taking; lending, including residential mortgage lending; cash management; corporate finance advisory services; mergers and acquisitions advisory services; capital and money market services; securities underwriting and market making; and securities and derivatives trading. The company's banking products and services also include investment advice, financial planning, wealth management, portfolio management, real estate investment advice, trust and estate advice, corporate loans, structured mezzanine and lease financing, structured export and trade financing, and treasury and securities products, as well as payment services, global documentary services, and advice on occupational pension plans. In addition, Allianz provides institutional and retail asset management products and services. As of December 31, 2004, the company's German branch banking network comprised approximately 911 branches and international branch network totaled approximately 58 branches. Allianz was founded in 1890 and is headquartered in Munich, Germany.


Brown & Brown, Inc. operates as a general insurance agency in the United States. The company offers a range of insurance and reinsurance products and services; and risk management, employee benefit administration, and managed health care programs. It operates in four segments: Retail, National Programs, Brokerage, and Services. The Retail segment provides various insurance products and services to commercial, public entity, professional, and individual customers. It provides property insurance against physical damage to property and resultant interruption of business or extra expense caused by fire, windstorm, or other perils; and casualty insurance relating to legal liabilities, workers' compensation, commercial and private passenger automobile coverages, and fidelity and surety insurance. This segment also sells and services group and individual life, accident, disability, health, hospitalization, medical, and dental insurance. The National Programs segment provides professional liability and related package products for certain professionals; and markets targeted products and services designated for specific industries, trade groups, public entities, and market niches. The Brokerage segment markets and sells excess and surplus commercial insurance and reinsurance through independent agents and brokers. The Services segment provides insurance-related services, including third-party administration, consulting for the workers' compensation, and managed healthcare services. The company serves businesses, public entities, individuals, and trade and association clients. Brown & Brown is headquartered in Daytona Beach, Florida.


No description available.


Baldwin & Lyons, Inc., through its subsidiaries, engages in the marketing and underwriting of property and casualty insurance in the United States, Canada, and Bermuda. It provides casualty insurance, including motor vehicle liability, physical damage, and other liability insurance; workers' compensation insurance; specialized accident insurance for independent contractors; fidelity and surety bonds; and inland marine consisting principally of cargo insurance. It also accepts cessions and retrocessions from selected insurance and reinsurance companies, principally reinsuring against catastrophes. The company also markets nonstandard private passenger automobile liability and physical damage coverages to individuals. In addition, it also provides commercial automobile liability, physical damage, and cargo insurance to truck owner-operators. The company was founded in 1930 and is based in Indianapolis, Indiana.


The Chubb Corporation, a holding company, provides property and casualty, and specialty insurance to individuals and businesses worldwide. The company operates in three divisions: Commercial Insurance, Specialty Insurance, and Personal Insurance. Commercial Insurance division offers a range of commercial customer insurance products, including coverage for multiple peril, casualty, workers' compensation, and property and marine. Specialty Insurance division offers various specialized executive protection and professional liability products for privately and publicly owned companies, financial institutions, professional firms, and healthcare organizations. It also provides surety and accident products and services. Personal Insurance division offers products for individuals with fine homes and possessions. It primarily provides automobile, homeowners, and other personal coverages. In addition, Chubb provides an array of services designed to enable customers manage and minimize risk. The company provides its products and services through independent insurance agents and brokers principally in the United States, Canada, Europe, Australia, and parts of Latin America and Asia. Chubb was formed in 1967 and is headquartered in Warren, New Jersey.


The Commerce Group, Inc. provides personal and commercial property, and casualty insurance in Massachusetts and in other states. Its core product lines include personal automobile, homeowners, and commercial automobile insurance. The company, through its principal subsidiary, The Commerce Insurance Company, writes private passenger automobile insurance, homeowners insurance, and commercial automobile insurance. It also writes insurance through three other subsidiaries comprising Commerce West Insurance Company, American Commerce Insurance Company (ACIC), and Citation Insurance Company. Commerce West writes private passenger automobile insurance, as well as standard and nonstandard private passenger and commercial automobile business in California, and nonstandard business in Oregon. ACIC predominantly writes private passenger automobile and homeowners insurance in 11 states. Citation offers a preferred risk homeowners product and a separate rating tier for preferred commercial automobile business in Massachusetts. The company markets its products through its network of independent agents. The Commerce Group was founded in 1971 and is based in Webster, Massachusetts.


Citizens, Inc., through its subsidiaries, offers life and health insurance policies in the United States and internationally. The company operates through four segments: International Life Business, Domestic Health Business, Domestic Life Business, and Home Service Business. The International Life Business segment consisting of ordinary whole-life insurance sold primarily in central and South America. The Domestic Health Business segment comprises accident and health specified disease, hospital indemnity, and accidental death policies sold in the southern United States. The Domestic Life Business consisting of traditional life and burial insurance, as well as preneed policies sold in the southern United States. The Home Service Business focuses on writing ordinary whole life insurance utilizing the home service marketing distribution method, whereby employee/agents working make regular collections of premiums from clients. It also uses the home service method to write small fire policies on Louisiana residents. The company was incorporated in 1977 and is based in Austin, Texas.


Cincinnati Financial Corporation provides commercial, personal, and life insurance products and services in the United States. It offers commercial multiperil, workers compensation, commercial automobile, and other liability insurance products; personal lines automobile and homeowners insurance products, as well as dwelling fire, inland marine, umbrella liability, and watercraft coverages; and various worksite products, including term insurance, whole life insurance, and universal life insurance policies. The company also provides finance/leasing and asset management services. Cincinnati Financial is headquartered in Fairfield, Ohio.


CNA Financial Corporation provides commercial insurance, and property and casualty insurance products. The company operates in three segments: Standard Lines, Specialty Lines, and Life and Group Non-Core. The Standard Lines segment includes property and casualty insurance line that provides workers compensation, general and product liability, property and commercial auto coverage to a range of businesses. It also includes excess and surplus line that offers specialized insurance and other financial products for selected commercial risks on an individual customer and program basis; and insurance and risk management products. In addition, this segment provides hull, cargo, primary, and excess marine liability, marine claims, and recovery products and services. The Specialty Lines segment provides management and professional liability insurance and risk management services to various professional firms, including architects and engineers, realtors, accounting firms, law firms, and technology firms. It also offers small, medium, and large contract and commercial surety bonds; and vehicle warranty service contracts. The Life and Group Non-Core segment primarily provides individual term, universal life, and permanent life insurance products; guaranteed investment contracts, and individual and group annuity products; health products, such as group benefits business, group long term care, individual long term care, and specialty medical products; related services; and group reinsurance and life settlement contracts. The company serves a range of customers, including small, medium, and large businesses; associations; professionals; and groups and individuals. CMA markets and services its products and services through independent agents, brokers, managing general agents, and direct sales. The company was founded in 1897 and is based in Chicago, Illinois.


Centene Corporation provides multiline managed care programs and related services in the United States. It offers Medicaid and Medicaid-related programs to organizations and individuals through government subsidized programs, including Medicaid, Supplemental Security Income, and the State Children's Health Insurance Program. These programs provide primary and specialty physician care, after hours nurse advice line, inpatient and outpatient hospital care, transportation assistance, emergency and urgent care, health status calls to coordinate care, prenatal care, and vision care services. It also offers laboratory and x-ray services, dental care, home health and durable medical equipment, immunizations, behavioral health and substance abuse services, and prescriptions and limited over-the-counter drugs. The company also provides specialty services, including nurse triage and treatment compliance to healthcare organizations. In addition, it offers education and outreach programs to inform and assist members in accessing healthcare services. The company provides health plans and specialty services in Indiana, Kansas, Missouri, New Jersey, Ohio, Texas, and Wisconsin; and free-standing programs in Arizona, California, and Colorado. Centene was founded in 1984 and is headquartered in St. Louis, Missouri.


CorVel Corporation provides medical cost-containment and managed care services to insurance companies, third-party administrators, and self-administered employers in the United States. It offers services in two categories, network solutions and patient management services. The company's network solutions services include automated medical fee auditing, preferred provider services, retrospective utilization review, independent medical examinations, MRI examinations, and inpatient bill review. CorVel's patient management services involve working on a one-on-one basis with injured employees, as well as their healthcare professionals, employers, and insurance company adjusters. These services include medical case management, early intervention, telephonic case management, utilization management, telephonic case management, precertification of hospitalization, inpatient utilization review, vocational rehabilitation, Medicare set asides, life care planning, and critical stress incident debrief. The company was founded in 1987 by V. Gordon Clemons as FORTIS and changed its name to CorVel Corporation in 1992. CorVel is headquartered in Irvine, California.


Delphi Financial Group, Inc. operates as a holding company that provides integrated employee benefit services primarily in the United States. The company manages various aspects of employee absence and provides the related insurance coverages, including long-term and short-term disability, excess and primary worker's compensation, group life, travel-accident, and dental. Delphi also engages in asset accumulation activities that focus primarily on offering fixed annuities to individuals planning for retirement. The company's asset accumulation products consist of fixed annuities, primarily single premium deferred annuities and flexible premium annuities. It also provides integrated disability and absence management services on a nationwide basis. Delphi's group employee benefit products are sold to employer groups primarily through independent brokers and agents. The company offers its products and services in all 50 states and the District of Columbia. Delphi was organized in 1987 and is based in Wilmington, Delaware.


EMC Insurance Group, Inc., through its subsidiaries, operates in property and casualty insurance, and reinsurance business. It writes property and casualty insurance, including commercial general liability, commercial property, automobile, workers' compensation, and other coverages in commercial and personal lines of insurance. The company also offers property and casualty reinsurance for other insurers and reinsurers. As of March 31, 2004, it operated 16 branches in the United States. The company was incorporated in 1974 and is based in Des Moines, Iowa. EMC Insurance Group, Inc. is a subsidiary of Employers Mutual Casualty Company.


Erie Indemnity Company provides sales, underwriting, and policy issuance services to the policyholders of Erie Insurance Exchange in the United States. The company also offers property/casualty insurance through its wholly owned subsidiaries, as well as under writes personal and commercial lines of insurance. Its products in the personal lines include private passenger automobile and homeowners; and those in the commercial lines include multiperil, automobile, and workers' compensation, which are sold by independent agents. As of December 31, 2004, it operated 23 branch offices in 11 states and in the District of Columbia, primarily in the mid-Atlantic, midwestern, and southeastern portions of the United States. Erie Indemnity Company is based in Erie, Pennsylvania.


The First American Corporation (FAC), through its subsidiaries, provides business information, and related products and services in the United States and internationally. Its Title Insurance and Services segment issues residential and commercial title insurance policies; accommodates tax-deferred exchanges; and provides escrow, equity loan, investment advisory, trust, thrift, and other related products and services. The company's Specialty Insurance segment issues property and casualty insurance policies, as well as sells home warranty products. Its Mortgage Information segment offers tax monitoring, flood zone certification, default management services, document preparation, and other real estate related services. FAC's Property Information segment sells data relating to real property, database management services, and appraisal services. Its Credit Information segment provides specialty credit reports to the mortgage lending and automotive lending industries. This segment also includes a credit reporting agency that offers credit reports on subprime borrowers. The company's Screening Information segment provides employment background screening, drug-free workplace programs and other occupational health services, employee assistance programs, corporate tax and incentive services, resident screening, motor vehicle records, transportation business credit services, investigative services, computer forensics and electronic discovery services, supply chain security, and consumer location services. As of April 4, 2005, FAC operated approximately 1,800 offices. The company is headquartered in Santa Ana, California.


FBL Financial Group, Inc., through its subsidiaries, sells individual life and annuity products to individuals and businesses in the midwestern and western sections of the United States. It operates in four segments: Traditional AnnuityExclusive Distribution (Exclusive Annuity), Traditional AnnuityIndependent Distribution (Independent Annuity), Traditional and Universal Life Insurance, and Variable. The Exclusive Annuity and the Independent Annuity segments offer fixed and index annuities, and supplementary contracts. The Traditional and Universal Life Insurance segment offers whole life, term life, and universal life policies. The Variable segment offers variable universal life insurance and variable annuity contracts. The company markets its annuity products through independent agents and brokers, and variable products through alliances with seven insurance companies and a regional broker/dealer. Its customers include farmers, ranchers, rural and suburban residents, and related individuals and businesses. The company is headquartered in West Des Moines, Iowa.


Fremont General Corporation operates as a holding company for Fremont General Credit Corporation (bank), which engages in commercial and residential real estate lending business in the United States. It originates nonprime or sub-prime residential real estate loans secured by first deeds of trust through independent brokers on a wholesale basis, which are primarily sold to third party investors on a servicing released basis; and commercial real estate loans, including bridge, construction, permanent, and single tenant credit loans on a nationwide basis. The bank also offers certificates of deposit, and savings and money market deposit accounts insured by the FDIC through its 20 branches in California. The company is based in Santa Monica, California.


Fidelity National Financial, Inc., a title insurance company, provides products, services, and solutions to the real estate and financial services industry in the United States. The company operates in five segments: Title Insurance, Specialty Insurance, Financial Institution Software and Services, Lender Outsourcing Solutions, and Information Services. The Title Insurance segment provides title insurance; and escrow and other title related services, including collection and trust activities, trustee's sales guarantees, recordings, and reconveyances. The Specialty Insurance segment issues flood, home warranty, homeowners, automobile, and certain niche personal lines insurance policies. The Financial Institution Software and Services segment offers core processing applications, retail delivery applications, integration applications, syndicated loan applications, automotive finance applications, item processing and imaging services, and ebanking and electronic payments services. It offers these services to various financial institutions, including banks, credit unions, savings banks, and auto finance companies; as well as provides mortgage loan servicing system. The Lender Outsourcing Solutions segment offers loan facilitation services, including title agency and closing services to first mortgage, refinance, home equity, and subprime lenders; and default management services, such as foreclosure posting and publishing services, loan portfolio services, field services, and property management. The Information Services segment offers real estate related information services, such as property appraisal and valuation services; property records information; real estate tax services; borrower credit and flood zone information and certification; and multiple listing software and services. Fidelity National Financial is headquartered in Jacksonville, Florida.


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.


HCC Insurance Holdings, Inc. provides property and casualty, surety, group life, and accident and health insurance products; and related agency and reinsurance brokerage services in the United States, the United Kingdom, Spain, and Bermuda. It operates through five divisions: Group Life, Accident, and Health (GAH); Diversified Financial Products (DFP); London Market Account (LMA); Aviation; and Other Specialty Lines of insurance (OSL). The GAH division writes medical stop-loss business for employer-sponsored and self-insured health plans. The DFP division underwrites financial insurance risks in its diversified financial product line of business. These risks include directors' and officers' liability, employment practices liability, and errors and omissions or professional indemnity and surety. The LMA division includes marine, energy, property, and accident and health business, which are underwritten by Houston Casualty Company's London branch office. It underwrites marine risks for ocean-going vessels, including hull, liabilities, protection and indemnity, and marine cargo. It also underwrites onshore and offshore energy risks that include drilling rigs, natural gas facilities, petrochemical plants, pipelines, gas production and gathering platforms, and refineries; and property risks of multinational corporations, covering commercial properties, including factories, hotels, industrial plants, office buildings, retail locations, and utilities. The Aviation division insures aviation risks, including antique and vintage military aircraft, cargo operations, commuter airlines, corporate aircraft, fixed base operations, military and law enforcement aircraft, private aircraft owners and pilots, and rotor wing aircraft. It offers products that include hulls, engines, avionics, and other systems, liabilities, cargo, and other ancillary coverages. The OSL division underwrites various specialty lines of businesses. The company is based in Houston, Texas.


Harleysville Group, Inc., through its subsidiaries, underwrites property and casualty insurance in the personal and commercial lines of insurance. The company's personal lines of insurance include automobile, homeowners, and other personal; and commercial lines of insurance comprise auto, commercial multiperil, and workers compensation. It markets products through independent agents to small and midsized businesses, as well as for individuals in the eastern and midwestern United States. The company is headquartered in Harleysville, Pennsylvania. Harleysville Group Inc. is a subsidiary of Harleysville Mutual Insurance Company.


The Hartford Financial Services Group, Inc. provides insurance and financial services in the United States and internationally. It engages in life, and property and casualty insurance (PCI) businesses. The life Insurance business operates in four segments: Retail Products Group (RPG), Institutional Solutions Group (ISG), Individual Life, and Group Benefits. RPG segment offers individual variable and fixed annuities, mutual funds, and retirement plan services. ISG segment offers retirement plan products and services to municipalities, institutional investment products, structured settlements, and private placement life insurance. Individual Life segment sells universal life, whole life, and term life insurance. Group Benefits segment sells group life and disability insurance, stop loss and supplementary medical coverage to employers and employer-sponsored plans, and accidental death and dismemberment and other risk coverages to employers and associations. PCI business operates in four segments: Business Insurance, Personal Lines, Specialty Commercial, and Others. Business Insurance segment provides workers' compensation, property, automobile, liability, umbrella, and marine coverages, as well as commercial risk management products and services. Personal Lines segment provides automobile, homeowners', and home-based coverages. Specialty Commercial segment offers customized insurance products and risk management services, as well as bond, professional liability, specialty casualty, and agricultural coverages. It also provides insurance products and services to captive insurance companies, pools, and self-insurance groups; and third-party administrator services for claims administration, integrated benefits, loss control, and performance measurement. Others segment consists of existing property and casualty insurance operations, including the company's asbestos and environmental exposures. The company was founded in 1810 and is headquartered in Hartford, Connecticut.


Horace Mann Educators Corporation, an insurance holding company, engages in marketing and underwriting personal lines of property and casualty, and life insurance, as well as retirement annuities in the United States. Its property and casualty insurance products principally include personal lines automobile and homeowners products. The company's life insurance products primarily comprise interest-sensitive life products. Its annuity products include fixed and variable tax-qualified annuity products. The company offers its products to educators and other employees of public schools. It markets its products in 48 states and the District of Columbia. Horace Mann is headquartered in Springfield, Illinois.


Hilb Rogal & Hobbs Company (HRHC), a holding company, operates as an insurance brokerage firm primarily in the United States and London, the United Kingdom. It sells insurance products and serves as an intermediary between its clients and insurance companies that underwrite client risks. The company primarily acts as an agent in soliciting, negotiating, and effecting contracts of insurance through insurance companies. HRHC enables its clients in managing their risks in areas, such as property and casualty, executive and employee benefits, and other areas of specialized exposure. In addition, the company offers personal and corporate financial products and services, which include claims administration and loss control consulting services, and risk management and employee benefit advisory services. It offers its services primarily to commercial and industrial accounts. HRHC was formed in 1982 and was formerly known as Hilb, Rogal and Hamilton Company. The company changed its name to Hilb Rogal & Hobbs Company in May 2004. HRHC is headquartered in Glen Allen, Virginia.


No description available.


IPC Holdings, Ltd., a holding company, provides property catastrophe reinsurance products and services for personal and commercial property insurers worldwide. Its property catastrophe reinsurance covers various unpredictable events, such as hurricanes, windstorms, hailstorms, earthquakes, volcanic eruptions, fires, industrial explosions, freezes, riots, floods, and other man-made or natural disasters. The company also writes short-tail reinsurance coverages, including risk excess of loss, aviation, and marine; and workers' compensation catastrophe excess, as well as kidnap, ransom, and related exposures. IPC Holdings was formed in 1993 is based in Pembroke, Bermuda.


Investors Title Company , a holding company, provides title insurance and tax-deferred exchange services, as well as investment management and trust services to individuals, trusts, and other entities in the United States. It offers land title insurance for owners and mortgagees as a primary insurer, and as a reinsurer for other title insurance companies. The land title insurance is offered through its direct operations, or through partially owned or independent title insurance agents. The company also acts as an intermediary in tax-deferred exchanges of property held for productive use in a trade or business, or for investments. Investors Title Company was founded by J. Allen Fine in 1972. The company is headquartered in Chapel Hill, North Carolina.


Kansas City Life Insurance Company, together with its subsidiaries, provide financial services in the United States and the District of Columbia. It operates through four segments: Kansas City Life (KCL) Individual, KCL Group, Sunset Life Insurance Company of America (Sunset), and Old American Insurance Company (Old American). The Kansas City Life Individual segment sells variable life and annuities, interest sensitive products, and traditional life insurance products through independent general agents. The Kansas City Life Group segment sells group life, disability, stop loss, dental products, and administrative claims paying services. Group segment products and services are marketed by independent general agents and group brokers, along with third party marketing arrangements. The Sunset Life segment sells interest sensitive and traditional products through independent general agents. The Old American segment sells final expense insurance products through its general agency system using direct response marketing to supply agents with leads. Kansas City Life Insurance was established in 1895. The company was formerly known as Bankers Life Association and changed its name to Kansas City Life Insurance Company in 1900. Kansas City Life Insurance is headquartered in Kansas City, Missouri.


LandAmerica Financial Group, Inc., through its subsidiaries, provides real estate transaction services. Its products and services facilitate the purchase, sale, transfer, and financing of residential and commercial real estate. The company primarily operates through three segments: Title Insurance, Lending Services, and Financial services. The Title Insurance segment provides title insurance; escrow and closing services; commercial real estate services, as well as property appraisal and valuation, building and site assessments, survey coordination, construction disbursement, coordination of national multistate transactions, and tax-deferred real property exchanges; and real estate transaction management services. The Lender Services segment provides services to regional and national lending institutions, which complement those offered in the company's title insurance business. These services consist primarily of real estate tax processing and flood certification services, mortgage credit reporting, default management services, and mortgage loan subservicing. The Financial Services segment engages in originating and purchasing of commercial real estate loans in the Southern California market, as well as soliciting deposits through certificates of deposit and passbook savings accounts. It offers its products and services to lenders, developers, real estate agents, attorneys, and property buyers and sellers. It serves residential and commercial customers with approximately 800 offices and a network of 10,000 agents throughout the United States, Mexico, Canada, the Caribbean, Latin America, and Europe. LandAmerica Financial Group was incorporated in 1991 and is headquartered in Richmond, Virginia.


Lincoln National Corporation, through its subsidiaries, offers multiple insurance and investment management products and services in the United States and the United Kingdom. The company operates in four segments: Lincoln Retirement, Life Insurance, Investment Management, and Lincoln UK. Lincoln Retirement segment offers fixed and variable annuities, such as individual annuities and employer-sponsored annuities. Life Insurance segment provides life insurance products, such as universal life, variable universal life, interest-sensitive whole life, corporate owned life insurance, and term insurance to the high net worth and rich markets. Investment Management segment provides various investment products and services, such as mutual funds, retirement plan services, and other investment products, including managed accounts and college savings plans to retail investors. This segment also provides investment advisory services and products to institutional clients, such as pension funds, foundations, endowment funds, and trusts. The Lincoln UK segment offers unit-linked life and pension products in the United Kingdom. The company was founded in 1904 and is headquartered in Philadelphia, Pennsylvania.


Loews Corporation, a holding company, engages in the provision of commercial property and casualty insurance; production and sale of cigarettes; operation of hotels; operation of offshore oil and gas drilling rigs; operation of interstate natural gas transmission pipeline systems; and the distribution and sale of watches and clocks. In the property and casualty business, the company operates in two segments, Standard Lines and Specialty Lines. Standard Lines segment includes standard property and casualty coverages that are sold to small and middle market commercial businesses; and excess and surplus lines, as well as insurance and risk management products that are sold to large corporations in the U.S. and internationally. Specialty Lines segment provides professional, financial, and specialty property and casualty products and services. The company markets its cigarettes under the Newport, Kent, True, Maverick, and Old Gold brand names primarily in the United States; owns and operates 20 hotels, 18 of which are in the United States and 2 are in Canada; and operates 45 offshore drilling rigs primarily in Gulf of Mexico, Brazil, and Mexico. These drilling rigs are chartered on a contract basis by companies engaged in exploration and production of hydrocarbons. Loews also operates interstate natural gas pipeline systems. It owns and operates a 5,900-mile natural gas pipeline system that transports natural gas originating in the Louisiana Gulf Coast and east Texas, and running north and east through Louisiana, Arkansas, Mississippi, Tennessee, Kentucky, Indiana, and Ohio. The company also owns and operates an 8,000-mile interstate natural gas pipeline, gathering, and storage system in the states of Texas, Louisiana, Mississippi, Alabama, and northern Florida. In addition, Loews offers a collection of watches and clocks primarily under Bulova, Accutron, Caravelle, and Wittnauer brand names to customers worldwide. Loews Corporation is based in New York City.


Leucadia National Corporation, through its subsidiaries, engages in telecommunications, healthcare services, manufacturing, banking and lending, real estate, and winery businesses. It owns or leases, and operates a fiber-optic network that provides Internet, data, voice, and video services; and transmits audio and video programming over the network, as well as distributes advertising media in physical and electronic form. The company provides physical, occupational, speech, and respiratory therapy services, as well as healthcare staffing services and Medicare consulting services. Leucadia National also manufactures and markets lightweight plastic netting used for various purposes, including building and construction, erosion control, agriculture, packaging, carpet padding, filtration, and consumer products. In addition, it involves in domestic real estate operations that include commercial properties, residential land development projects, and other unimproved land; offers banking and lending services, as well as operates two wineries that produce and sell wines in the premium table wine market. Additionally, the company engages in property and casualty reinsurance; and property excess, marine, and aviation reinsurance, as well as develops a copper mine. Leucadia National was founded in 1854 and is headquartered in Tulsa, Oklahoma.


MBIA, Inc. provides financial guarantee insurance, investment management services, and municipal and other services to public finance and structured finance clients worldwide. The company insures financial obligations, which are sold in the new issue and secondary markets. It also provides financial guarantees for municipal bonds, asset-backed and mortgage-backed securities, investor-owned utility bonds, bonds backed by publicly or privately funded public purpose projects, bonds issued by sovereign and sub-sovereign entities and obligations collateralized by diverse pools of corporate loans, and credit default swaps, as well as pools of corporate and asset-backed bonds in the new issue and secondary markets. The municipal obligations that MBIA insures include tax-exempt and taxable indebtedness of states, counties, cities, utility districts, and other political subdivisions, as well as airports, higher education health care facilities, and similar authorities; and obligations issued by private entities that finance projects, which serve a substantial public purpose. The asset-backed and structured finance obligations insured by the company include residential and commercial mortgages, proceeds of insurance policies, various consumer loans, corporate loans and bonds, trade and export receivables, equipment, aircraft and real property leases, and infrastructure projects. It also insures privately issued bonds used for the financing of public purpose projects, including toll roads, bridges, airports, public transportation facilities, and other types of infrastructure projects. In addition, the company, through its wholly owned subsidiary, MBIA Asset Management, LLC, provides investment management products and financial services, including cash management, customized asset management and investment consulting services to local governments, school districts and other institutional clients. MBIA was founded in 1973 and is headquartered in Armonk, New York.


Mercury General Corporation and its subsidiaries offer personal automobile and homeowners insurance in the United States. The company provides a range of coverage, including bodily injury liability, underinsured and uninsured motorist, personal injury protection, property damage liability, comprehensive, collision, and other hazards coverage to automobile policyholders. It also writes homeowners insurance, mechanical breakdown insurance, commercial and dwelling fire insurance, and commercial property insurance. Mercury General sells its policies through independent agents and brokers in the United States, principally in California and Florida. The company was founded in 1960 and is headquartered in Los Angeles, California.


MetLife, Inc. and its subsidiaries provide insurance and other financial services to individual and institutional customers worldwide. It offers life insurance, annuities, automobile, and homeowner's insurance; and retail banking services to individuals, as well as group insurance, reinsurance, and retirement and savings products and services. The company operates through five segments: Institutional, Individual, Auto and Home, International, and Reinsurance. The Institutional segment offers a range of group insurance products, such as group life insurance; nonmedical health insurance products, including accidental death and dismemberment, long-term care, short- and long-term disability, and dental insurance; and related administrative services, as well as provides retirement and savings products and services, including an array of annuity and investment products; and administrative and investment services to corporations and other institutions. The Individual segment offers various protection and asset accumulation products, including insurance products, such as traditional, universal, and variable life insurance; and variable and fixed annuities, mutual funds, and securities. The Auto and Home segment offers auto insurance, including both standard and nonstandard private passenger; homeowner's, renters, condominium, and dwelling insurance; and other personal insurance, including umbrella, recreational vehicles, and boat owners. The International segment provides life insurance, accident and health insurance, annuities, and retirement and savings products to both individuals and groups. The Reinsurance segment primarily offers traditional life and critical illness reinsurance; and financial reinsurance. The company operates primarily in the United States, as well as in Argentina, Brazil, Chile, China, Hong Kong, India, Indonesia, Mexico, South Korea, Taiwan, and Uruguay. MetLife was incorporated in 1999 and is headquartered in New York City.


Manulife Financial Corporation (MFC) and its subsidiaries, provide various financial products and services in the United States, Canada, and Asia. The company offers individual life insurance, group life and health insurance, long-term care insurance, pension products, annuities, and mutual funds to individual and group customers. It also provides investment management services with respect to its general fund assets, segregated fund assets, mutual funds, and institutional investment services. In addition, the company offers reinsurance services, including life, property, and casualty reinsurance. MFC is headquartered in Toronto, Canada.


Meadowbrook Insurance Group, Inc., a holding company, provides risk management solutions for agents, professional, and trade associations in the United States. The company operates through two segments, Specialty Risk Management and Agency Operations. The Specialty Risk Management segment focuses on specialty insurance operations. Its services include risk management consulting, claims administration and handling, loss control and prevention, and reinsurance placement, as well as various types of property and casualty insurance coverage, including workers' compensation, commercial multiple peril, general liability, commercial auto liability, and inland marine. The Agency Operations segment operates as a retail property and casualty insurance agency. It produces commercial, personal lines, life, and accident and health insurance for unaffiliated insurance carriers. It provides various traditional and alternative risk management services. Alternative risk management services include: public entity management; risk analysis; program and product design; sales, marketing, and public relations; education and training; formation and management of risk-bearing entities, such as mutual insurance companies, captives, rent-a-captives, public entity pools, and risk retention and risk purchasing groups; underwriting/risk selection; policy issuance; information technology and processing; accounting and financial statement preparation; regulatory compliance; actuarial and loss reserve analysis; loss prevention and control; and audit support. It offers its services to public entities, professional and trade associations, businesses, and individuals. The company was founded in 1955 as Meadowbrook Insurance Agency and changed its name to Meadowbrook Insurance Group, Inc. in 1985. Meadowbrook Insurance Group is headquartered in Southfield, Michigan.


Markel Corporation engages in marketing and underwriting insurance products and programs. The company operates in three segments: the Excess and Surplus Lines Market, the Specialty Admitted Market, and the London Insurance Market. The Excess and Surplus Lines segment underwrites property and casualty insurance for nonstandard risks, including catastrophe-exposed property, professional liability, products liability, general liability, commercial umbrella, and other coverages. The Specialty Admitted segment underwrites specialty program insurance for personal and commercial property, and liability coverages. The London Insurance Market segment underwrites marine and energy insurance, nonmarine property, professional indemnity, retail, specialty, and aviation, as well as reinsurance. The company was founded by Samuel A. Markel. Markel Corporation is headquartered in Richmond, Virginia.


The Midland Company, through its wholly owned subsidiary, American Modern Insurance Group, Inc., provides specialty insurance products and services in the United States. It operates through four divisions: Personal Lines Property, Personal Lines Casualty, Financial Services, and Other Insurance. The Personal Lines Property division primarily offers manufactured housing and site-built dwelling insurance products. The Personal Lines Casualty division provides motorcycle, watercraft, recreational vehicle, collector car, and snowmobile specialty insurance products. The Financial Services division offers mortgage fire, collateral protection, and debt cancellation specialty insurance products. The Other Insurance division offers credit life, long-haul truck physical damage, and commercial, excess, and surplus line insurance products. The company, through another subsidiary M/G Transport Services, Inc., also provides transportation services through a fleet of dry cargo barges for the movement of dry bulk commodities, such as petroleum coke, ores, barite, sugar, and other dry cargoes primarily on the lower Mississippi River and its tributaries. It operates a fleet of approximately 200 jumbo hopper barges. The company was founded by J. Page Hayden, Sr. and J. R. LaBar in 1938 under the name Midland Discount Corporation and subsequently changed its name to The Midland Company. The Midland Company is headquartered in Cincinnati, Ohio.


Marsh & Mclennan Companies, Inc., through its subsidiaries, operates as a professional services company. It operates in three segments: Risk and Insurance Services, Investment Management, and Consulting. The Risk and Insurance Services segment provides risk management and insurance broking, reinsurance broking, and insurance program management services for businesses, public entities, insurance companies, associations, professional services organizations, and private clients. It also offers risk consulting and technology services to businesses, governments, and individuals; and provides services principally in connection with originating, structuring, and managing investments primarily in the insurance and financial services industries. The Investment Management segment primarily offers securities investment advisory and management services, and administrative services for a group of publicly held investment companies and institutional accounts. The Consulting segment provides advice and services to the managements of organizations primarily in the areas of retirement services, human capital, health care and group benefit programs, management consulting, organizational change and organizational design, economic consulting, and corporate identity. The company has operations primarily in North America and Europe. Marsh & Mclennan Companies is headquartered in New York City.


MGIC Investment Corporation, through its wholly owned subsidiary, provides private mortgage insurance to lenders and government sponsored entities in the United States. The private mortgage insurance covers residential first mortgage loans and expands home ownership opportunities by enabling people to purchase homes with less than 20% down payments. The company provides various services for the mortgage finance industry, such as contract underwriting, and portfolio analysis and retention, secondary marketing of mortgage-related assets, and mortgage loan origination and fulfillment services. It also provides an Internet portal, through which mortgage originators can access products and services of wholesalers, investors, and vendors to make a home mortgage loan. The company's customers include originators of residential mortgage loans, such as mortgage bankers, savings institutions, commercial banks, mortgage brokers, credit unions, and other lenders. MGIC Investment was founded in 1984 and is based in Milwaukee, Wisconsin.


The Navigators Group, Inc. operates as an international insurance holding company focusing on specialty products for the property/casualty insurance market in the United States and the United Kingdom. It conducts its marine insurance business through its insurance company subsidiaries, including Navigators Insurance Company and NIC Insurance Company, and through Lloyd's operations. Navigators Insurance specializes in underwriting marine insurance and related lines of business, contractors' general liability insurance, and professional liability insurance. NIC Insurance underwrites excess and surplus lines of insurance fully reinsured by Navigators Insurance. The Lloyd's operations consist of Navigators Underwriting Agency, Ltd., which manages Lloyd's Syndicate 1221 that offers cargo, marine liability, offshore energy, bluewater hull, reinsurance, and engineering services. The company also underwrites insurance for harbor craft and other small craft, such as fishing vessels, providing physical damage and third party liability coverage. The Navigators Group was founded in 1981 and is headquartered in New York City.


Nationwide Financial Services, Inc. (NFS), through its subsidiaries, provides long-term savings and retirement products in the United States of America. It develops and sells a range of products, including individual annuities, private and public group retirement plans, and other investment products sold to institutions, life insurance, and advisory services. The company operates in three segments: Individual Investments, Retirement Plans, and Individual Protection. The Individual Investments segment consists of individual The BEST of AMERICA and private label deferred variable annuity products, NFN individual annuity products, deferred fixed annuity products, income products, and advisory services. The Retirement Plans segment comprises its private and public-sector retirement plans. The Individual Protection segment consists of investment life insurance products, including individual variable, corporate-owned and bank-owned life insurance products, traditional life insurance products, and universal life insurance. NFS sells its products through unaffiliated entities that sell these products to their own customer base, including independent broker/dealers, wirehouse and regional firms, financial institutions, pension plan administrators, life insurance specialists, and certified public accounting firms, as well as distributes retirement savings products through the agency distribution force. The company was formed in 1996 and is based in Columbus, Ohio. Nationwide Financial Services, Inc. is a subsidiary of Nationwide Corporation.


National Western Life Insurance Company provides life insurance products and annuity contracts in the United State and internationally. The company's life insurance products include universal life insurance; interest-sensitive whole life; and traditional products, such as term and whole insurance coverage. Its annuity products include flexible premium and single premium deferred annuities, equity-indexed annuities, and single premium immediate annuities. National Western markets and distributes its products primarily through independent national marketing organizations. The company also operates a nursing home. National Western is based in Austin, Texas.


NYMAGIC, INC., a holding company, primarily operates as an insurance company in the United States. The company's domestic insurance/agency companies underwrite ocean marine, inland marine/fire, nonmarine liability, and aircraft lines of insurance. Ocean marine insurance is written on a direct and assumed reinsurance basis, and covers hull and machinery, cargo, hull and machinery war risk, cargo war risk insurance, charters' legal liability, marine contractor's, maritime employers, and onshore and offshore oil and gas exploration and production exposures. Inland marine includes insurance for motor truck cargo and transit shipments, equipment floaters, and miscellaneous property floaters. Nonmarine liability insurance includes coverage for manufacturers and contractors risks, building owners and commercial stores, products liability exposures, employment practices liability, surety, excess workers compensation, miscellaneous errors, and omissions/professional liabilities, and other casualty excess and surplus line risks. Aircraft insurance activity comprises insurance primarily for commercial aircraft and includes hull and engine insurance. The company was formed in 1964 and is based in New York City.


Old Republic International Corporation, an insurance holding company, operates as an insurance company in the United States. It operates in three segments: General Insurance, Mortgage Guaranty, and Title Insurance Services. General Insurance segment provides commercial lines of property and liability insurance and reinsurance primarily to industrial, mining, transportation, and financial services companies, as well as actuarial consulting, tax planning, claims control, and management of captive or retrospectively-rated insurance programs. The Mortgage Guaranty segment provides residential mortgage guaranty insurance for first mortgage loans to mortgage bankers, commercial banks, thrifts, credit unions, and other financial institutions. The Title Insurance Services segment offers title insurance and related real estate transfer services for individuals, businesses, and government entities. In addition, the company provides life and health insurance to consumers through lending institutions, automobile dealers, and brokers. The company is based in Chicago, Illinois.


Progressive Corporation serves as an insurance holding company in the United States. The company operates through three segments: Personal Lines, Commercial Auto, and Other. Personal Lines segment writes insurance for private passenger automobiles, recreation, and other vehicles through both an independent agency channel and a direct channel. The Personal Lines agency channel includes business written by the company's network of approximately 30,000 independent insurance agencies, brokers, and strategic alliance business relationships. The Commercial Auto segment writes primary liability, physical damage, and other auto-related insurance for automobiles and trucks owned by businesses, primarily through the independent agency channel. Other segment includes the Professional Liability Group (PLG) and the Motor Carrier units. PLG's principal products are liability insurance for directors and officers, and financial institution bonds. Its main product is employee dishonesty insurance. PLG's principal customers are community banks. The Motor Carrier unit provides insurance-related services, such as policy issuance and claims adjusting services for the commercial auto insurance procedures/plans in 25 states. The company was formed in 1965 and is headquartered in Mayfield Village, Ohio.


Philadelphia Consolidated Holding Corp. and its subsidiaries engage in the design, marketing, and underwriting of specialty commercial and personal property, and casualty insurance products in the United States. The company operates in three divisions: Commercial Lines Underwriting, Specialty Lines Underwriting, and Personal Lines. The Commercial Lines Underwriting division offers commercial multiperil package, commercial automobile and specialty property, and inland marine insurance products. The Specialty Lines Underwriting division provides professional and management liability insurance products. The Personal Lines division offers personal property and casualty insurance products. The company markets its products primarily through agents to nonprofit organizations, sports and recreation centers, homeowners' associations, condominium associations, private, vocational and specialty schools, mental health facilities, and day care facilities, as well as to the leasing and rent-a-car industries, shopping centers, business parks, and hotels. The company was founded in 1981 and is headquartered in Bala Cynwyd, Pennsylvania.


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.


Protective Life Corporation, through its subsidiaries, engages in the production, distribution, and administration of insurance and investment products in the United States. The company operates in five segments: Life Marketing, Acquisitions, Annuities, Stable Value Products, and Asset Protection. Life Marketing segment markets traditional life insurance products, including level premium term and term-like insurance, universal life, variable universal life, and bank owned life insurance products. Acquisitions segment acquires, converts, and services policies acquired from other companies. This segment primarily focuses on life insurance policies sold to individuals. Annuities segment manufactures, sells, and supports fixed and variable annuity products. Stable Value Products segment markets fixed and floating rate funding agreements to the trustees of municipal bond proceeds, institutional investors, bank trust departments, and money market funds and sells funding agreements to special purpose entities. Asset Protection segment markets extended service contracts, and credit life and disability insurance to protect consumers investments in automobiles and watercraft. Protective Life Corporation is based in Birmingham, Alabama.


Presidential Life Corporation, through its wholly owned subsidiary, Presidential Life Insurance Company, sells annuity and life insurance products in the United States. Its annuity products include single-premium annuity, single-premium deferred annuity, single-premium immediate, structured settlement annuity, flexible-premium annuity, and group terminal fund annuity. The company's life insurance products comprise graded benefit life, universal life, whole life, and term life. Presidential Life sells its products through independent general agents. Presidential Life was founded in 1965 and is based in Nyack, New York.


PMA Capital Corporation, an insurance holding company, provides specialty risk management products and services in the eastern part of the United States. It offers workers' compensation, integrated disability, and other commercial property and casualty lines of insurance products, including commercial automobile and multiperil coverages, general liability, and related services. The company also offers rent-a-captive products for insureds and associations. In addition, it engages in analyzing and investigating reported claims, establishing individual claim reserves, paying claims, and monitoring the progress and outcome of the excess and surplus lines claims. PMA Capital distributes its products through multiple channels, including national, regional, and local brokers and agents; employee benefits brokers; and direct sales representatives. The company is headquartered in Blue Bell, Pennsylvania.


The PMI Group, Inc. provides credit enhancement products and lender services, which promote homeownership and facilitate mortgage transactions in the capital markets. The company's activities are segregated into U.S. Mortgage Insurance Operations; and International Operations, Financial Guaranty, and Other Strategic Investments segments. U.S. Mortgage Insurance Operations segment offers mortgage insurance products, including primary insurance and pool insurance, which enable borrowers to buy homes with low down payment mortgages in the United States. Its customers include mortgage lenders, savings institutions, commercial banks, and investors, including the GSEs, the FHLBs, and other capital market participants. This segment is licensed in all 50 states, the District of Columbia, Puerto Rico, Guam, and the Virgin Islands. The International Operations, Financial Guaranty, and Other Strategic Investments segment include International operations, which offer mortgage insurance and other credit enhancement products in Australia, New Zealand, Europe, and Hong Kong; Financial Guaranty, which provides primary financial guaranty insurance; and Other Strategic Investments that have investment portfolio, including FGIC, managed by BlackRock Financial Management and Wellington Management; CMG, managed by MEMBERS Capital Advisors, an affiliate of CUNA; and RAM Re, managed by MBIA Asset Management. PMI Group was founded in 1972 and is headquartered in Walnut Creek, California.


PartnerRe, Ltd., through its wholly owned subsidiaries, provides reinsurance services to insurance companies worldwide. It reinsures various risks, such as property, casualty, motor, agriculture, aviation/space, catastrophe, credit/surety, engineering/energy, marine, special risks, and life/annuity and health. The company also provides alternative risk products that include weather and credit protection to industrial and service companies. It primarily offers reinsurance coverage for property damage and business interruption losses resulting from fires, catastrophes, and other perils covered in industrial and commercial property, and homeowners' policies. The company's casualty reinsurance services include third party liability, employers' liability, workers' compensation, and personal accident coverage. Its motor reinsurance services consist of reinsurance coverage for third party liability and property damage. The company also reinsures agriculture risks, such as flood, drought, hail, and disease related to crops, livestock, and aquaculture. It provides reinsurance protection in airline, general aviation, and space insurance, as well as offers catastrophe reinsurance protection against the accumulation of losses caused by windstorm, earthquake, flood, and other natural hazards. The company's engineering/energy reinsurance services include coverage for the onshore oil and gas industry, mining, power generation, and pharmaceutical operations. It also offers marine reinsurance protection and technical services relating to marine hull, cargo, transit, and offshore oil and gas operations. In addition, the company provides reinsurance coverage with respect to individual and group life and health risks to primary life insurers and pension funds. It markets its products through brokers and direct relationships with insurance companies in approximately 120 countries worldwide. The company was formed by Herbert Haag in 1993 and is based in Pembroke, Bermuda.


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.


Prudential Public Limited Company together with its subsidiaries operates as an international financial services group in the United Kingdom, the United States, and Asia. The group offers a range of retail financial products and services, and fund management services throughout these territories. Its retail financial products and services principally include life insurance, pensions, and annuities, as well as collective investments, and deposit and mortgage banking services. The group's long-term business products written in the U.K. and Asia are principally with-profits deposit administration, other conventional and unitized with-profits policies, and nonparticipating pension annuities. The principal products written by its subsidiary, Jackson National Life Insurance Company, are interest sensitive deferred annuities and whole-life policies, variable annuities, guaranteed investment contracts, equity linked indexed deferred annuities, and term life insurance. The group primarily distributes its products through independent financial advisers, banks, direct marketing, independent insurance agents, securities broker-dealers, credit unions, agency sales-force, and complementary bancassurance agreements. Prudential was founded in 1848 and is headquartered in London.


Radian Group, Inc., together with its subsidiaries, provides credit insurance and financial services to mortgage lenders and other financial institutions. It operates through three segments: Mortgage Insurance, Financial Guaranty, and Financial Services. The Mortgage Insurance segment provides mortgage credit protection, primarily via private mortgage insurance, and risk management services to mortgage lending institutions located throughout the United States and internationally. Private mortgage insurance primarily protects lenders from all or part of default-related losses on residential first-mortgage loans made to homebuyers; as well as facilitates the sale of these mortgages in the secondary market. The Financial Guaranty segment provides credit-related insurance coverage, credit default swaps, and other financial guaranty contracts to customers in various markets. It also assumes reinsurance from monoline financial guaranty insurers for both public finance bonds and structured finance obligations, and direct financial guaranty insurance for public finance bonds and structured finance obligations, and trade credit reinsurance. The Financial Services segment offers credit-based servicing and securitization of assets in underserved markets. It provides the purchase and servicing, and securitization of special assets, including subperforming/nonperforming mortgages, seller-financed residential mortgages, and delinquent consumer assets. This segment also provides Internet-based real estate information products and services to the first-and second-lien mortgage industry. The company has strategic partnerships with C-BASS and Sherman Financial Group LLC. Radian Group was founded in 1977. It was formerly known as CMAC Investment Corporation and changed its name to Radian Group, Inc. in 1999. The company is headquartered in Philadelphia, Pennsylvania.


Everest Re Group, Ltd. underwrites property and casualty reinsurance and insurance worldwide. The company's products include various property and casualty reinsurance and insurance coverages, including marine, aviation, surety, errors and omissions liability, directors' and officers' liability, medical malpractice, other specialty lines, accident and health, workers' compensation, as well as reinsurance of life and annuity business. Everest Re Group, through its subsidiaries, operates in five segments: U.S. Reinsurance, U.S. Insurance, Specialty Underwriting, International, and Bermuda. The U.S. Reinsurance segment writes property and casualty reinsurance, on both a treaty and facultative basis, through reinsurance brokers, as well as directly with ceding companies within the United States. The U.S. Insurance segment writes property and casualty insurance primarily through general agent relationships and surplus lines brokers within the United States. The Specialty Underwriting segment writes accident and health, marine, aviation, and surety business within the United States and worldwide through brokers and directly with ceding companies. The International segment writes property and casualty reinsurance through the company's branches in Canada and Singapore, in addition through the company's Miami and New Jersey offices. The Bermuda segment provides reinsurance and insurance to worldwide property and casualty markets, and reinsurance to life insurers through brokers and directly with ceding companies from its Bermuda office, and reinsurance to the United Kingdom and European markets, through brokers, from the United Kingdom branch. Everest Re Group is based in Hamilton, Bermuda.


Reinsurance Group of America, Incorporated (RGAI) operates as an insurance holding company that primarily offers life, asset-intensive, critical illness, and financial reinsurance. It provides a portfolio of life insurance products, including term life, credit life, universal life, whole life, joint and last survivor insurance, and critical illness, as well as financial reinsurance. The company has offices in Australia, Barbados, Hong Kong, India, Ireland, Japan, Mexico, South Africa, South Korea, Spain, Taiwan, and the United Kingdom. RGAI was founded in 1973 and is based in Chesterfield, Missouri. Reinsurance Group of America, Incorporated is 51.6% indirectly owned by MetLife, Inc., as of December 31, 2004.


RLI Corp., through its subsidiaries, underwrites selected property and casualty insurance products. It operates in three segments: Casualty, Property, and Surety. The Casualty segment consists of general liability, transportation, multiperil program, commercial umbrella, personal umbrella, executive products, and other specialty coverages. It also provides employers indemnity and in-home business owner's coverage. The Property segment includes commercial and homeowners/residential property coverages. It primarily underwrites commercial fire, earthquake, builders' risk, difference in conditions, and other inland marine coverages, as well as selected personal lines policies in the state of Hawaii. It also provides coverage for a range of commercial and industrial risks, such as office buildings, apartments, condominiums, industrial and mercantile structures, buildings under construction, and movable equipment. The Surety segment specializes in writing small to large commercial and small contract surety products, as well as those for the energy, petrochemical, and refining industries. It provides products through its branch offices primarily in the United States. The company was founded in 1965 and is headquartered in Peoria, Illinois.


RenaissanceRe Holdings, Ltd., through its subsidiaries, provides reinsurance and insurance worldwide. The company operates through Reinsurance and Individual Risk segments. The Reinsurance segment consist of three components: Property catastrophe reinsurance, which protects against large natural catastrophes, such as earthquakes and hurricanes, as well as claims arising from other natural and man-made catastrophes, such as winter storms, freezes, floods, fires, tornadoes, and explosions; Specialty reinsurance includes portfolio of businesses, including catastrophe exposed workers' compensation, surety, terrorism, and medical malpractice; and Ventures including catastrophe-oriented joint ventures; customized reinsurance transactions; and investments in initiatives directed at other classes of risk. The company's Individual Risk segment products include commercial and homeowners property coverages, including catastrophe-exposed products; commercial liability coverages, including general, automobile, professional, and other specialty products; and reinsurance of other insurers on a quota share basis. RenaissanceRe have developed a proprietary, computer-based pricing and exposure management system, Renaissance Exposure Management System (REMS). REMS has analytic and modeling capabilities that help to assess the risk and return of each incremental reinsurance contract in relation to company's overall portfolio of reinsurance contracts. Renaissancere Holdings was formed in 1993 and is based in Pembroke, Bermuda.


RTW, Inc. and its wholly owned insurance subsidiary, American Compensation Insurance Company, provide disability management products and services to insured and self-insured employers for their workers' compensation programs. It provides workers' compensation management services to employers insured through its insurance subsidiary; to self-insured employers on a fee-for-service basis; and on a consulting basis. The company has developed the RTW SOLUTION, designed to assist in lowering employers' workers' compensation costs and return injured employees to work, as well as ID15 that is designed to identify injured employees, who are likely to get stuck in the workers' compensation system. In addition to standard guaranteed-cost policies, the company offers, on a limited basis, a deductible guaranteed-cost policy, under which the employer is responsible for all medical and indemnity expenses up to a specific dollar amount, while the company is responsible for medical and indemnity expenses over that level. The company caters to employers and associations in manufacturing, retail, wholesale, healthcare, and hospitality industries, as well as to employers for insured business, primarily in Minnesota, Michigan, and Colorado. RTW is headquartered in Bloomington, Minnesota.


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.


Selective Insurance Group, Inc. operates as a holding company that offers property and casualty insurance products and diversified insurance services products. It also offers commercial and personal insurance products through its subsidiaries. The company's activities are categorized into Insurance Operations, including commercial lines and personal lines underwriting; investments; and Diversified Insurance Services segments. Insurance Operations segment sells and services property and casualty insurance products. The activities covered under the purview of commercial lines underwriting division include fire/inland marine, workers' compensation, general liability, automobile, business owners' policy and bonds. The personal lines underwriting activities include automobile and homeowners' insurance coverage. As of December 31, 2004, Selective's investment portfolio included 83% of fixed maturity securities, 12% of equity securities, 4% of short-term investments, and 1% of other investments. Diversified Insurance Services segment provides human resource administration outsourcing products and services; managed care products and services; and federal flood insurance. Selective Insurance Group markets its insurance products in northeastern, mid-Atlantic, southeastern, and midwestern states. It offers various commercial insurance and alternative risk management products to small and medium sized businesses, and government entities. The company was founded in 1925 and is headquartered in Branchville, New Jersey.


SCPIE Holdings, Inc., through its subsidiaries, provides insurance and reinsurance products in the United States. The company primarily offers medical malpractice insurance and related liability insurance products to physicians, oral surgeons, healthcare facilities, and others operating in the healthcare industry in California and Delaware. It operates in two segments, Direct Healthcare Liability Insurance (DHLI) and Assumed Reinsurance. The DHLI segment underwrites professional and related liability policy coverages for physicians, oral and maxillofacial surgeons, physician medical groups, clinics, hospitals, dentists, managed care organizations, and other providers in the healthcare industry. The Assumed Reinsurance segment offers reinsurance of professional, commercial, and personal liability coverages; commercial and residential property risks; accident and health, and workers' compensation; and marine coverages. SCPIE Holdings also offers a policy for managed care organizations that provides coverage for liability arising from covered managed care incidents or vicarious liability for medical services rendered by nonemployed physicians. Its covered services include peer review, healthcare expense review, utilization management, utilization review, and claims and benefit handling in the operation of the managed care organizations. The company was founded in 1976 and is headquartered in Los Angeles, California.


Security National Financial Corporation operates as a holding company in the United States. The company, through its subsidiaries, operates in three segments: Life Insurance, Cemetery and Mortuary, And Mortgage Loans. The Life Insurance segment sells and services funeral plan policies and life insurance, as well as other traditional life and accident, and health insurance products. It also offers single premium deferred annuities, flexible premium deferred annuities, and immediate annuities. The Cemetery and Mortuary segment consists of 6 wholly-owned cemeteries and 12 wholly-owned mortuaries. This segment offers grave spaces, internment vaults, mausoleum crypts and niches, markers, caskets, flowers, and other related products. It also engages in preneed selling of funeral, cemetery, and cremation services, such as professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The Mortgage Loan segment originates and underwrites residential and commercial loans for new construction and existing homes, and real estate projects. As of December 31, 2005, this segment operated through 17 offices in 7 states, and is an approved mortgage lender in 20 states. The company was founded in 1965 and is based in Salt Lake City, Utah.


Spectrum Brands, Inc., a consumer products company, together with its subsidiaries, engages in the manufacture and marketing of consumer batteries, lawn and garden care products, pet supplies, electric shaving and grooming products, household insecticides, electric personal care products, and portable lighting products worldwide. It offers alkaline, zinc carbon, and hearing aid batteries, as well as aquariums and aquatic health supplies, rechargeable batteries, battery-powered lighting products, electric shavers and accessories, grooming products, and hair care appliances. The company also provides lawn fertilizers, herbicides, pet supplies and specialty food products, and insecticides and repellents. Its products are sold through retailers, wholesalers and distributors, hearing aid professionals, industrial distributors, and original equipment manufacturers. The company was founded in 1906 under the name The French Battery Company and later changed its name to Rayovac Corporation. Further, it changed its name to Spectrum Brands, Inc. in May 2005. Spectrum Brands is headquartered in Atlanta, Georgia.


Stewart Information Services Corporation provides title insurance and real estate information services in the United States and internationally. Its Title segment includes the functions of searching, examining, closing, and insuring the condition of the title to real property. This segment serves attorneys, builders, developers, lenders, and real estate brokers. The company's Real Estate Information segment provides electronic delivery of data, products, and services related to real estate. Its services related to the mortgage origination process include flood certificates, credit reports, traditional and automated property valuations, electronic mortgage documents, property information reports, and tax services. This segment also provides post-closing outsourcing services for residential mortgage lenders, including document review, investor delivery, FHA/VA insuring, document retrieval, preparation and recordation of assignments, lien releases and security interests, collateral reviews, and loan pool certifications. Further, it provides tax-deferred exchanges; automated mapping projects and geodetic positioning; real estate database conversion, construction, maintenance, and access; automation for government recording and registration; and criminal, credit, and motor vehicle background checks; and pre-employment screening services. This segment serves residential mortgage lenders and servicers, title agencies, county clerks and recorders, municipalities, real estate professionals, and attorneys. As of February 16, 2005, Stewart provided its services through approximately 7,800 policy-issuing offices and agencies. The company was founded in 1896 and is headquartered in Houston, Texas.


State Auto Financial Corporation (SAFC), through its subsidiaries, writes personal and commercial lines of insurance in the United States. It offers a line of insurance products, such as standard personal and commercial automobile, nonstandard personal automobile, homeowners, commercial multiperil, workers' compensation, general liability, and fire insurance. The company provides management and operation services under management agreements for various insurance and noninsurance affiliates. In addition, SAFC develops and sells software for the processing of insurance transactions, database management for insurance agents, and electronic interfacing of information between insurance companies and agencies. It markets products through independent insurance agents associated with agencies in 26 central and eastern states, excluding New York, New Jersey, and the New England states. The company is headquartered in Columbus, Ohio. State Auto Financial Corporation is a subsidiary of State Automobile Mutual Insurance Company.


CNA Surety Corporation, an insurance holding company, provides surety and surety-related products in the United States and international markets. Its surety products comprise contract surety bonds, including bid, performance, and payment bonds, as well as completion, maintenance, and supply bonds; and commercial surety bonds, including license and permit bonds, judicial and fiduciary bonds, and public official bonds. The company also markets surety-related products, such as fidelity bonds to cover losses arising from employee dishonesty, and errors and omissions (EO) insurance. The customers for the fidelity bonds include law firms, insurance agencies, and janitorial service companies. CNA Surety writes EO policies for notaries public and tax preparers. It principally markets its products through independent producers, including multiline agents and brokers in 50 states, as well as in the District of Columbia and Puerto Rico. The company is based in Chicago, Illinois. CNA Surety Corporation is a subsidiary of CNA Financial Corporation.


21st Century Holding Company, through its subsidiaries, underwrites standard and nonstandard personal automobile insurance, flood insurance, general liability insurance, mobile home insurance, and homeowners' property and casualty insurance in the state of Florida. The company underwrites general liability coverage as an admitted carrier in the states of Louisiana, Texas, and Alabama for approximately 300 classes of business, including special events, as well as homeowners' coverage in the state of Louisiana. It also operates as an approved (non-admitted) carrier in the States of Georgia and Kentucky offering the same general liability products. In addition, 21st Century Holding has underwriting authority and processes claims for third party insurance companies. In addition, to insurance services, the company offers premium finance services to its insureds, as well as insureds of certain third party insurance companies. 21st Century Holding was incorporated in 1991 and is headquartered in Lauderdale Lakes, Florida.


Triad Guaranty, Inc., through its wholly owned subsidiary, Triad Guaranty Insurance Corporation, provides private mortgage insurance coverage to mortgage lenders and investors in the United States. The company's coverage protects the lender or investor against loss from defaults on low down payment residential mortgage loans and facilitates the sale of mortgage loans in the secondary market. The company sells its products to mortgage bankers, mortgage brokers, commercial banks, and savings institutions through direct sales force and commissioned general agents. Its investment portfolio comprises primarily fixed-income securities, such as U.S. government obligations, state and municipal bonds, corporate bonds, and mortgage-backed bonds. Triad Guaranty, Inc. was formed in 1987 and is headquartered in Winston-Salem, North Carolina.


Torchmark Corporation operates as an insurance holding company. The company, through its subsidiaries, provides various protection oriented life and supplemental health insurance to middle income Americans through its premier niche distribution organizations. It offers three product lines: life insurance, health insurance, and annuities. The Life Insurance products include traditional and interest sensitive whole life insurance, as well as term life insurance products. The Health Insurance products include medicare supplement, cancer, and other supplemental health policies. The company also provides single premium deferred, flexible premium deferred, and variable annuities. The company was founded in 1900. It was formerly known as Liberty National Insurance Holding Company and changed its name to Torchmark Corporation in 1982. Torchmark is headquartered in Birmingham, Alabama.


Transatlantic Holdings, Inc. and its subsidiaries offer property and casualty reinsurance products to insurers and reinsurers in the United States and internationally. It offers liability insurance products, including directors' and officers' liability; professional liability insurance; auto liability insurance, including nonstandard risks; medical malpractice; ocean marine and aviation; surety, credit, accident, and health in the casualty lines; and fire, allied, homeowners multiple peril, and auto physical damage in the property lines. The company was formed in 1986 under the name PREINCO Holdings, Inc. and changed its name to Transatlantic Holdings, Inc. in 1990. Transatlantic Holdings is headquartered in New York City.


United Fire & Casualty Company (UFCC) writes property and casualty insurance, and life insurance in the United States. The company offers both commercial and personal lines of property and casualty insurance. The commercial lines cover fire and allied lines, other liability, automobile, workers' compensation, surety, multiple peril, inland marine, and specialty lines. The personal lines primarily consist of automobile, fire, allied lines, recreational vehicles, and watercraft. Its principal life insurance products include single premium annuities, universal life, and traditional life. UFCC also underwrites and markets whole life insurance, term life insurance, and disability insurance products. In addition, it offers reinsurance of property and casualty, and life insurance. The company offers property and casualty insurance in 41 states, primarily in the midwest, west, and south, as well as life insurance in 27 states primarily in the midwest and west. UFCC was incorporated in 1946 and is based in Cedar Rapids, Iowa.


Unico American Corporation, a holding company, underwrites property and casualty insurance. It offers commercial multiple peril policies, as well as other policies to insure commercial property and commercial liability risks on a monoline basis. It is licensed as an admitted insurance carrier in the states of Arizona, California, Colorado, Idaho, Montana, Nevada, Ohio, Oregon, and Washington. The company also provides health and life insurance, as well as insurance premium financing and membership association services. Unico was incorporated in 1969 and is based in Woodland Hills, California.


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.


XL Capital, Ltd., together with its subsidiaries, primarily provides insurance and reinsurance coverages to industrial, commercial, and professional service firms; insurance companies; and other enterprises worldwide. The company operates in three segments: Insurance, Reinsurance, and Financial Products and Services. The Insurance segment primarily offers risk management and specialty lines products. Risk management products comprise property and casualty insurance programs for multinational companies and include umbrella liability, product recall, integrated risk, and primary master property and liability coverages. The specialty lines products include professional liability insurance, environmental liability insurance, political risk insurance, aviation and satellite insurance, marine and offshore energy insurance, employment practices liability insurance, surety, specie, bloodstock, and other insurance covers. The Reinsurance segment offers treaty and facultative reinsurance to primary insurers of casualty and property risks, which include general liability; professional liability; accident and health; automobile and workers' compensation; commercial and personal property risks; specialty risks, including fidelity and surety and ocean marine; property catastrophe; property excess of loss; property pro-rata; marine and energy; aviation and satellite; and various other reinsurances. The Financial Products and Services segment provides insurance, reinsurance, and derivative solutions for complex financial risks, including financial guaranty insurance and reinsurance, credit enhancement swaps, other collateralized transactions, weather and energy risk management products, and institutional life insurance products. The company was founded in 1986 as name EXEL Limited and changed its name to XL Capital, Ltd. in 1998. XL Capital is based in Hamilton, Bermuda.


Alleghany Corporation, through its subsidiary, Alleghany Insurance Holdings LLC, primarily provides property and casualty insurance products and services in the United States. It also offers fidelity and surety insurance products and services. In addition, the company, through World Minerals, Inc., engages in the mining, production, and sale of diatomite and perlite industrial minerals primarily in the United States. The company sells its insurance products principally through independent wholesale insurance brokers. Alleghany Corporation was founded in 1929 and is headquartered in New York City.


Zenith National Insurance Corp., through its wholly owned subsidiaries, engages in the property and casualty insurance business in the United States. It offers insurance coverage for the statutorily prescribed benefits that employers are required to provide to their employees, who may be injured in the course of employment. The company's workers' compensation policies provide payments to covered, injured employees of the policyholder for temporary or permanent disability benefits, death benefits, and medical and hospital expenses. Zenith National also focuses on assumed reinsurance of property losses from catastrophes and large property risks, as well as liability insurance, such as general business liability coverage, directors' and officers' liability, and excess or umbrella coverage. In addition, it writes workers' compensation insurance through independent insurance agents and brokers, and reinsurance through brokers and reinsurance intermediaries throughout California, Florida, Texas, and North Carolina. Zenith National was incorporated in 1971 and is headquartered in Woodland Hills, California.