Saturday, January 15, 2011

New York Insurance

New York Insurance, New York Health Insurance, New York Auto Insurance, New York Life Insurance Company

New York insurance is a big business in one of the most expensive cities in the United States and also in the entire world. Many of the top insurance companies the world over have their homes in New York City. For example, Metropolitan Life and New York Life are both headquartered in this great American east coast city. According to statistics taken in the year 2000 the state of New York boasts 103 health and life insurance companies and 222 casualty and property insurance companies. It is the New York State department of insurance that regulates the insurance industry throughout the entire state. 

All types of New York insurance are important but here we take a look at auto insurance. If you drive a car in New York then you must have the minimum of insurance protection which includes Personal Injury Protection and Uninsured or Under Insured Motorist Coverage. If you do not have at least the minimum then under New York law you will be unable to get your car registered.

The mandatory insurance coverage in the state of New York includes:

•    Bodily injury liability coverage
•    Property damage liability coverage
•    Personal injury protection coverage (PIP coverage)
•    Uninsured or under insured motorist bodily injury coverage

Let us take a look at the first type mentioned in the list- the bodily injury liability coverage. This type of coverage pays for injuries in the event that a policyholder is involved in an accident and there are damages or injuries to a third party. This type of coverage compensates for a variety of things. These include lost income, medical expenses, pain and suffering and the legal costs associated with a lawsuit if one is instigated by the third party.

New York insurance is such that every person who drives a vehicle must purchase at least $25,000 worth of bodily injury liability coverage per person. The more people on the policy the higher this number becomes (it ends up being at least $50,000 per person). This is the very minimum that is required. A policyholder can go higher if he or she chooses to do so. In fact the more you purchase the better off you will be in the event of a severe and/or tragic accident. A really bad accident can equal huge financial losses which can work to your detriment. You want to protect yourself to the best of your ability when you drive on the roads. One of the ways to do this is to be prepared for the possibility that an accident could occur.

New Mexico Insurance

New Mexico Insurance

The New Mexico insurance sector offers a comprehensive range of insurance services. There are several major general insurance companies and an individual has a number of options to choose from within each insurance class.
New Mexico Insurance: Life Insurance Policy

New Mexico life insurance offers financial cover to beneficiaries, following the death of the policyholder. An individual can buy a long- or short-term life insurance policy based on personal insurance needs.
New Mexico Insurance: Healthcare Policy

New Mexico insurance laws allow the medical underwriting of all individual health insurance policies. This permits a health insurance provider to examine an individual’s health records. Based on the medical assessment, an insurance provider can deny the policy to an individual. However, small group health insurance is a guaranteed issue. It means that an insurance provider cannot refuse to insurance a small group. A waiting period of a maximum of six months is applicable for preexisting conditions

New Jersey Insurance Buying Tips

New Jersey Insurance Buying Tips

The New Jersey Division of Insurance or NJDOBI plays a very important role when it comes to New Jersey insurance.  Usually, the term “protect and serve” is associated with law enforcement but it is also something that could be used to describe this state organization.  If you were to visit the website, you would quickly realize the organization is separated into units and of those, this organization is responsible for overseeing operations to make sure New Jersey insurer providers are following regulations.

This organization not only oversees regulations for New Jersey insurance, it is responsible for issuing licenses for agencies and companies to sell policies to consumers living in this state.  That ensures the any insurance policy being offered and the premium being charged has to be compliant with the most current regulations.  Then, the New Jersey Division of Insurance monitors all licensees for financial solvency so consumers would have access to insurance policies.

Although people that sell various policies for New Jersey insurance are regulated by this organization, professionals also have the ability to read news publications, follow up on claims, learn about new regulations, and much more by using the services of this organization’s website.  Obviously, the more in-tune to laws, as well as consumer’s needs the more effective and efficient the insurance professional can be in selling the right policy.

Now, along with this organization focusing on New Jersey insurance for the professional side of the house, the website is also designed to benefit consumers.  Regardless of the type of insurance you might be interested in, homeowner’s, automobile, legal liability, accident and health, worker’s compensation, etc, you can find a ton of information, resources, and links to make the process of buying New Jersey insurance easier and more affordable.

Along with establishing, monitoring, and enforcing regulations for New Jersey insurance, this state organization also governs the state’s banking industry, as well as the real estate industry.  By having a comprehensive program sitting beneath one roof that oversees the three primary business sectors in the state is smart.  This way, vital information can be found in a single location but also, processes for keeping these industries compliant is done in a consistent and professional manner.

Just a few of the many categories that you could use for searching, some include consumer information, consumer assistance, inquiries and complaints, licensing search, rules, orders, and bulletins, applications, forms, and more.  However, specific information can be found under the head category for each sector to include the real estate commission, banking division, and the insurance division.  Because of this, anyone needing information specifically for New Jersey insurance could simply click on the associated link and find a wealth of data.

Specific to New Jersey insurance, consumers, agents, and insurance companies could research different types of insurance coverage, look at rates, check for compliancy, look at an insurer’s financial position, and more.  Of course, at any time a consumer has an issue and needs assistance, the New Jersey Division of Insurance promises to respond in a timely and professional manner to make sure issues are resolved appropriately.

Nevada Insurance Covererges and Policies

Nevada Insurance Covererges and Policies

One of the best ways of understanding Nevada insurance is to research information available on the website for the Nevada Division of Insurance.  In addition to finding a wealth of information for consumers, this website is also loaded with incredible insight for insurers, captive insurers, producers, and self-insured.  Although you could also conduct information pertaining to Nevada insurance by using online search engines, we highly recommend this organization because it offers information for every type of coverage available.

To use this website to learn about Nevada insurance, all of the data is organized so people can easily navigate and find what they want.  In addition to finding quick reference items on the top of the page to include hearings, bulletins, laws, meetings, and more, this website also provides different insurance forms, licensing forms for insurers, and other helpful tools for the professional.

Of course, all of the links relating to Nevada insurance are a huge benefit.  Instead of spending time searching, you would have the ability to click on different links that would take you to the needed information.  For instance, if you were interested in learning about Nevada insurance for health, you would follow the link to health coverage but if you wanted to learn about automobile insurance, you would follow that link.

While the Nevada Department of Insurance does not actually sell insurance policies, they do oversee regulations for agents and companies that do in this state.  Therefore, as a consumer, you would have access to current information, which would help you in identifying if you are being taken for granted.  For instance, if you were looking at buying Nevada insurance from a particular agency or company but you had some concerns, by understanding how insurance in this state works, you would be able to detect potential problems before they spiral out of control.

In fact, if you wanted to verify that a specific agent or company selling Nevada insurance was licensed and honest, you could use the online search provided from this site to know.  Although the Nevada Department of Insurance is a valuable resource for insurance professionals in the state of Nevada, the number one mission of this organization is to protect the rights of consumers needing to purchase insurance and to make sure they are being provided with viable coverage and for an affordable price.

As a consumer interested in Nevada insurance, you could benefit from the various links offered on the Nevada Division of Insurance website.  As an example, you could connect to the Governor’s office for consumer health assistance, battle against insurance fraud by contacting the fraud task force, read about new Nevada legislature specific to the different types of insurance policies, and more.

The day of consumers being in the dark is gone.  Today, states are taking proactive stances to make sure that consumers of each state have the information needed so they can make the best decision for their situation.  For Nevada insurance, this is exaction what this organization has done and it has proven to be an exceptional resource and tool that makes a difference in the insurance buying process.

Nebraska Insurance Coverages

Nebraska Insurance Coverages

If you currently live in the state of Nebraska or are planning to move there, you need to spend a little time understanding Nebraska insurance coverage.  In this article, we have pulled some helpful information together to make the process less stressful.  Although studying insurance is not overly fun, it is important.  After all, you need Nebraska insurance for the home, car, health, etc.

We will start with Nebraska insurance for the car.  As with other states, if you drive in this state, you must, by law have automobile insurance.  Although comprehensive coverage is always recommended, the state only requires that you have liability.  In this case, if another person were injured in a car accident where you were at fault or that person’s vehicle damaged, the policy would take care of all expenses.

When buying Nebraska insurance for liability, you would have two choices.  The first is bodily injury and the second property damage.  When you buy a policy in this state for this type of insurance, the minimum protection would be $25,000 per person for each accident, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.  However, if you were to take out a Nebraska insurance policy for comprehensive coverage, the limits would be greater.  Additionally, along with the other party being covered, you and your vehicle would also have protection.

Another area in which Nebraska insurance is now mandatory is for healthcare coverage.  Statistics show that for this state, more than two of every five adults working have trouble paying for medical expenses and for many, they are completely in debt.  However, with insurance, the cost of medical care would be covered, at least to some degree.  Now, you may be fortunate enough to work for a company that provides Nebraska insurance but if not, you would need to purchase an individual policy.

As you shop around for the right type of Nebraska insurance for health coverage, insurance agencies and companies are required by law to provide coverage on certain types of benefits.  Therefore, you would find that policies in this state cover care for diabetics, mammograms, etc.  While not mandated, most health Nebraska insurance policies also include hospital care, pediatric care, maternity care, surgery, visits to the doctor’s office, x-rays, and medical testing,

An important note when looking for a Nebraska insurance policy specific to healthcare is that if you have a pre-existing medical condition, you may need to dig a little deeper and likely pay a higher premium.  Additionally, in this state, insurance agencies and companies are not restricted to the amount they can charge.  For this reason, when securing quotes for healthcare coverage, you want to look at multiple companies.  The good news is that once you have a policy, if you were to become ill, you have protection under what is known as “guaranteed renewability”, which means when time to renew the policy, you cannot be denied.

Finally, if you plan to buy a home in this state or rent one, then you need Nebraska insurance in the form of homeowner’s, or renter’s coverage.  Homeowner’s insurance is required to buy whereas renter’s insurance is an elective.  At minimum, you should purchase Nebraska insurance that will cover the replacement value of the structure, one that protects all of your personal belongings inside the home, liability to other people, and any extra living expenses if you had to live somewhere temporarily while your home were being repaired or rebuilt.

Missouri General Insurance

Missouri General Insurance

Introduction

The Missouri General Insurance is a council of insurance brokers and agents. The Missouri General Insurance is a privately owned and managed company. They interact with their clients at the grass root level to understand what type of coverage would best suit them. The Missouri General Insurance has access to large insurance markets worldwide. Irrespective of the location of the of the customer the Missouri General Insurance broker is always at their service.

Some of the products and services offered by the Missouri General Insurance are listed as follows:

    * Missouri General Insurance for Commercial Purposes

      Insurances provided by Missouri General Insurance relate to the following:
         1. Property

         2. Commercial

         3. General

         4. Liability

         5. Boiler and Machinery

         6. Crime or employee dishonesty
    *
         7. Worker's compensation

         8. Ocean Cargo

         9. Commercial Automobile etc.

    * Personal insurance provided by Missouri General Insurance cater to home owners, apartment dwellers, condominium owners, individual health, life disability, automobiles, valuable articles, secondary references , long term care, personal umbrella liability, vacation homes etc. Since life does not come to a halt as ones working life is over, insurance coverages should go on extending with life. One should shield his personal assets for bringing about financial stability.
    * Employee Benefit: The insurance schemes that are made available to the employees by the Missouri General Insurance cover their family as well. The following are the benefits that are provided to the employees:
         1. Corporate employee benefit services
         2. Section 125 Cafeteria Plans
         3. Flexible Spending Accounts
         4. Cobra Administration
         5. Benefit Statements
         6. 401(k) Programs
         7. Voluntary Payroll Deductions
         8. Group Life
         9. Long Term Disability
    * Surety: when one is in dire need of a suitable bond program then the Missouri Bond Program is most suitable. The services that are provided by them are proposal development, negotiations of the credit lines of bonds, analysis of financial statements and the bond form analysis. The products that are provided by Missouri General Insurance are the following:
         1. Contract Surety Bonds
         2. Financial Guarantee Bonds
         3. License and Court Bonds
         4. Judiciary Bonds
         5. Miscellaneous Surety Bonds
         6. Fidelity Bonds
         7. Fiduciary Liability Insurance for Health and Welfare Plans

      For more information on Missouri General Insurance one can browse through missourigeneral.com.

Minnesota Insurance

Minnesota Insurance

Insurance is a common type of business in Minnesota. The Minnesota Insurance is mainly regulated by the Minnesota Department of Insurance.

Car insurance is highly competitive business in the state. There are comparatively better environment in Minnesota for getting a suitable car insurance. The online process for getting insurance allows easy and quick methods to shop.

According to the statistics, in the year 2003 the Minnesota peoples paid average premiums of $929 for their car insurance in comparison to $914 of the national average.

Minnesota Car Insurance Companies:

    * Acceptance Casualty Insurance Company
    * Acceptance Indemnity Insurance Company
    * ACE American Insurance Company
    * ACE Fire Underwriter Insurance Company
    * ACIG Insurance Company
    * Addison Insurance Company
    * Affiliated FM Insurance Company
    * AIG National Insurance Company
    * Alliance Assurance Company of America
    * Allstate Insurance Company
    * AMCO Insurance Company
    * American Continental Insurance Company
    * American Commerce Insurance Company
    * American Road Insurance Company
    * American Service Insurance Company
    * American Summit Insurance Company
    * Americas Insurance Company
    * Arch Reinsurance Company
    * Athena Assurance Company
    * Atlanta Casualty Company
    * Auto Club Insurance Association
    * Auto-owners insurance company
    * AXA Corporate Solutions Reinsurance Company
    * AXIS Reinsurance Company
    * Balboa Insurance Company
    * Bancinsure, INC
    * Bankers Standard Fire and Marine Company
    * Boston Old Colony Insurance Company
    * Brotherhood Mutual Insurance Company
    * Canal Insurance Company
    * Capitol Indemnity Corporation
    * Carolina Casualty Insurance Company
    * Central National Insurance Company of Omaha
    * Century Indemnity Company
    * Century National Insurance Company
    * Cherokee Insurance Company
    * Chicago Insurance Company
    * Chubb National Insurance Company
    * Columbia Mutual Insurance Company
    * Commerce and Industry insurance Company
    * Compass Insurance Company
    * Consolidated Insurance Company
    * Co operative Mutual Insurance Company
    * COREGIS Insurance Company
    * Dakota Fire Insurance Company
    * Dealers Assurance Company
    * Depositors Insurance Company
    * Economy, Fire and Casualty Company
    * Economy Premier Assurance Company
    * EMCASCO Insurance Company
    * Fair field Insurance Company
    * Fairmont Insurance Company
    * Farmers Casualty Insurance Company
    * Farmers Insurance Exchange
    * Farmland Mutual Insurance Company
    * Federal Insurance Company
    * Fidelity and Deposit Company of Maryland
    * Fidelity and Guaranty Insurance Company
    * Fire Exchange Company
    * First Financial Insurance Company
    * First Non profit Insurance Company
    * GEICO Casualty Company
    * Great American Insurance Company of New York
    * Great American Spirit Insurance Company
    * Great North west Insurance Company

     * Grocers Insurance Company
    * Guarantee Insurance Company
    * Hartford Insurance Company
    * Hartford Casualty Insurance Company
    * Heritage Casualty Insurance Company
    * Heritage Indemnity Company
    * Home site Insurance Company
    * Horace Mann Insurance Company
    * Houston General Insurance Company
    * IGF Insurance Company
    * Illinois National Insurance Company
    * Indiana Insurance Company
    * Infinity Insurance Company
    * Instant Auto Insurance Company
    * Leader Insurance Company
    * Liberty Insurance Corporation
    * Lincoln General Insurance Company
    * LM Insurance Corporation
    * Markel American Insurance Company
    * Maryland Casualty Company
    * Medical Protective Company
    * Meemic Insurance Company
    * Mendota Insurance Company
    * Merit plan insurance company
    * Metropolitan General insurance company
    * MGA Insurance Company
    * Milbank insurance company
    * Minnesota Insurance Company
    * Modern Service Insurance Company
    * National American Insurance Company
    * National Casualty Company
    * National Specialty Insurance Company
    * Nation wide Assurance Company
    * NAU Country Insurance Company
    * Navigators Insurance Company
    * Niagra Fire Insurance Company
    * Odyssey America Reinsurance Corporation
    * Ohio Indemnity Company
    * Old United Casualty Company
    * Omaha Indemnity Company
    * Omni Insurance Company
    * Owners Insurance Company
    * Pacific Indemnity Company
    * Patriot General Insurance Company
    * Peerless Indemnity Insurance Company
    * Penn America Insurance Compay
    * Pharmacists Insurance Company
    * Phico Insurance Company
    * Pioneer Insurance Company
    * PMA Capital Insurance Company
    * Progressive Classic Insurance Company
    * Protective Insurance Company
    * PXRE Reinsurance Company
    * QBE Insurance Corporation
    * Quanta Indemnity Company
    * Rampart Insurance Company
    * Redland Insurance Company
    * Regal Insurance Company
    * Republic Insurance Company
    * Response Insurance Company
    * RLI Indemnity Company
    * Safeco insurance Company of America
    * Sagamore Insurance Company
    * Scor Reinsurance Company
    * Seaton Insurance Company
    * Security Insurance Company of Hartford
    * Select Insurance Company
    * Seneca Insurance Company
    * Shelby Insurance Company
    * Sirius America Insurance Company
    * Standard Guaranty Insurance Company
    * Star Insurance Company
    * State Auto National Insurance Company
    * Statewide Insurance Company
    * Startford Insurance Company
    * Teachers insurance Company
    * Titan Indemnity Company
    * TNUS Insurance Company
    * Transport Insurance Company
    * Travco Insurance Company
    * ULICO casualty Company
    * Union Insurance Company
    * United Security Insurance Company
    * Universal Casualty Company
    * USAA Casualty Company
    * Valiant Insurance Company
    * Vesta Fire Insurance Corporation
    * Western Home Insurance Company
    * Western National Assurance Company
    * Westfield Insurance Company
    * XL Reinsurance America INC.

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Michigan Insurance Policies Overview

Michigan Insurance Policies Overview

Michigan insurance comes in many different forms to include personal insurance and business insurance, which includes coverage such as automobile insurance, homeowner’s insurance and more.  In this state, people have the opportunity to purchase the type of policy needed.  The key is for someone to work with a reputable insurance agent or company so the right type and amount of coverage would be purchased.

As an example, if someone needed to purchase personal Michigan insurance, they would be looking at policies specific to things such as automobile coverage, homeowner’s coverage, personal umbrella, and more.  By looking at different agents and companies, a person could make comparisons for personal insurance coverage to make sure they are getting the protection needed but without spending a fortune.

Then for the business insurance side of Michigan insurance, this would include coverage such as worker’s compensation, legal liability, commercial fleet, commercial package, commercial umbrella, and the list goes on.  Just as with personal Michigan insurance, the best way of securing the right type and amount of coverage is to work through a reputable organization.

Okay, so how can a consumer find a responsible and qualified agent or insurance company?  The answer is to use the services offered through the Michigan Department of Insurance.  This state organization is designed to provide consumers needing Michigan insurance of any time with valuable information so an informed decision could be made.

In addition, this Michigan insurance organization provides outstanding articles, press releases, and various other insurance-related publications, along with links to a variety of other helpful sites.  The Michigan Department of Insurance has one goal and that is to make sure that consumers are protected when buying insurance.  The way this is possible is by establishing and enforcing Michigan insurance regulations.

Other information for Michigan insurance that would be offered from this organization is how to handle claims.  Unfortunately, some people will take out a policy and receive tons of support from the agent or company eagerly selling one or more policies but when it comes time to pay on a claim, they hesitate to the point of the consumer needing legal help.  With this Michigan insurance organization, consumers would have a guide of what to do in a situation such as this.

Insurance is not only necessary but also now with the new healthcare reform being law, it is mandated.  For insurance agencies and companies, this means a significant increase in business.  While most professionals that deal with Michigan insurance are honest and run the business with integrity, unfortunately a few may consider this new law an opportunity to take advantage of uneducated consumers.  Therefore, people can visit the website for this organization and learn everything needed to have a great experience when buying Michigan insurance.

Although the current economy is getting better with employment on the rise, many people are still having tough economic times.  For this reason, consumers also need to take the appropriate steps of protection when it comes to buying Michigan insurance and with the information provided, they would follow the law but without spending a fortune.

Massachusetts Insurance

Massachusetts Insurance

As with all states in the USA, people living in Massachusetts are required to have certain types of insurance.  For instance, Massachusetts insurance for an automobile, home, and now health with the new healthcare reform bill passed, are mandatory.  However, other types of Massachusetts insurance would be elective such as long-term care coverage, life insurance, valuable contents insurance, etc.

Sometimes, trying to determine the type of Massachusetts insurance, along with the proper amount of coverage can be difficult.  Obviously, no one wants to spend hours upon hours sorting through information not understood, which is why the Division of
Insurance is so important and helpful.  This organization is associated with the government, designed to serve residents of this state from the personal to professional side.

Although this department is fair to all parties, its number one goal and responsibility is to monitor solvency of insurance companies so they offer consumers with proper Massachusetts insurance products.  After all, the Commission, along with all the professionals who work for this organization are dedicated to making the process of buying insurance in this state painless.  They want consumers interested in buying a Massachusetts insurance policy to know they are being provided with coverage based on current laws.

In addition, this organization provides up-to-date information to consumers and professionals that sell Massachusetts insurance.  A prime example of this service is a recent posting whereby home and business owners can gain a wealth of information pertaining to flood assistance after the eastern region of the state was devastated by flooding.  With this, people can read tips on recovering from loss, as well as methods of protection for the future.

Another example of the help this organization provides to buyers and sellers of Massachusetts insurance is with the new information being provided on health insurance filings.  Recently, 235 rate increases that were filed by health insurers were denied for small business owners.  The reason was that increases were excessive and considered unreasonable.  You can read more about this on the organization’s site but this shows the level of attention and care being given to the Massachusetts insurance industry.

The website also provides a number of helpful links, which are designed for consumers and insurance professionals.  For instance, if a consumer has an issue regarding an agency or company, they have the right and accessibility to file a complaint.  In fact, consumers can use the website to compare different policies and premiums for automobile Massachusetts insurance.  With this information, you would be able to make an educated decision, which means getting the policy you need and can afford.

In addition, the Alabama Division of Insurance provides a way for people to conduct a search for a reputable insurance agent or company.  If you had recently moved to the state, being able to purchase Massachusetts insurance through a trusted source is worth its weight in gold.  You could even look up an insurance professional’s licensing information.  Let us say you were considering buying Massachusetts insurance from a particular company but when you question licensing information, you do not get the answer wanted.  Before you file an actual complaint, you could use this organization to confirm the company does or does not have a current license.

Maryland Insurance Coverages

Maryland Insurance Coverages

Are you looking for information about Maryland insurance and are unsure where to go?  If so, we strongly recommend you visit the website of the Maryland Insurance Administration, also referred to as MIA.  This government agency has a very important responsibility to consumers, as well as insurance professionals by regulating the insurance industry as a whole in this state.  That means all regulations are monitored and enforced, which protects consumers by making sure agencies and companies selling Maryland insurance are in accordance with the laws.

Although the number one responsibility of MIA is to enforce regulations for Maryland insurance, the professional staff is 100% dedicated to providing professional and efficient services to the residents of Maryland, as well as all insurance professionals.  By being strict about insurance licensing and providing consumers with a means of filing a complaint or researching an insurance agent or company, Maryland insurance is a much more organized and efficient system than you would see in other states.

Although most professionals that sell Maryland insurance are honest, hard-working, and committed to providing the best and most affordable policy possible to customers, a few agencies and companies that are not working on the consumer’s behalf.  This is the primary reason MIA is so valuable because they make sure that everyone is provided with insurance coverage but at a fair price.  They also handle issues pertaining to solvency, consumer complaints, settlement practices, and much more.

Although this is the main function and focus of MIA, this organization provides more.  As an example, MIA wants to help increase the public’s awareness of Maryland insurance through education.  With this, people who need insurance cover, regardless of the type or amount, would be making important decisions from a position of knowledge.  Just imagine wanting to purchase life insurance but having no idea of what it covers or what you need.  Instead of walking into a company that sells Maryland insurance blindly, you would have the education to ask the right questions.

In a perfect world, no one would ever become ill, accidents would never happen, and no one would die but we do not live in a perfect world.  Therefore, whether you are a consumer wanting to purchase a Maryland insurance policy or a professional in the industry wanting to sell Maryland insurance, it is important to be realistic about risks associated with life.  Although insurance would not eliminate risks, it does offer protection to you but also your loved ones.

Take automobile Maryland insurance as an example.  Without protection, if you were in a non-life threatening accident that was your fault and someone in the other vehicle was injured, requiring a hospital stay and surgery, all expenses would fall back on you.  Obviously, a situation such as this could complete devastate your life.  Any savings for your children’s college would be gone, you could possibly lose your home, and ultimately, you would spend a long time paying for not having coverage.

Of course, Maryland insurance is mandated so if you did not have coverage, you would also be at risk from a legal standpoint.  The bottom line is that by taking the time to learn all you can about Maryland insurance the easier it would be to purchase the right policy.  With this, you would have the protection needed but also peace of mind, which is priceless.

Maine Insurance Companies

Maine Insurance Companies

If you live in the state of Maine then Maine insurance should be on your mind. Here we take a look at health insurance and auto insurance in this eastern state.

Health Insurance

In terms of health insurance in this state finding the right policy involves a clever balancing act between price and policy. You want to find a policy that will fulfill your needs but you also want to find a policy that is affordable for you. There is often a tremendous difference between premium rates from one insurance company to another which is why shopping around is so essential. Bear in mind as you conduct your search that group policies are generally easier on the budget than policies that are individual and are found through private health companies.

If it is Maine insurance you want then here are some health insurance companies you should take the time to check out:

•    Aetna Health Inc.
•    Allstate Insurance Company
•    Alta Health and Life Insurance Company


•    Fairfield Insurance Company
•    Family Life Insurance Company
•    Great Northern Insurance Company
•    Hanover Insurance Company

Auto Insurance

You have plenty of options if you are looking for auto insurance coverage in Maine. Statistics tell us that the average insurance premiums paid out in the year 2003 were $730. This is compared to the national average in the same year which was $914. The savings of $184 is considerable!

The amount of money you will pay on Maine insurance for your car depends on a variety of factors. These include your gender, your age, your marital status, your driving record, your territory, the type of vehicle you have, the model of your vehicle, and whether you are the only licensed driver in your household or not.

To get the best price possible on an insurance policy find out what discounts the company offers. Many companies offer discounts based on age. As of 2001 a law was passed that insurance providers must offer drivers who are 55 years of age and older a discount for medical payments. If this does not apply to you then you can look into other types of discounts that might be relevant to you. For example, if you have more than one car then multiple vehicles can net you a discount at many Maine insurance companies. If you are a student who gets good grades then this can get you a discount. New drivers who have taken a drivers education course can also qualify for a discount. It always pays to inquire about discounts.

Some auto insurers to look at in Maine include the Acadia Insurance Company, the Ace American Insurance Company, the Auto Club Insurance Association, the Blue Ridge Insurance Company, the CIM Insurance Corporation, the Federal Insurance Company, the Geico Casualty Company, and the Hanover Insurance Company. Shop around and see what is out there.

Kansas Insurance

Kansas Insurance, Insurance in Kansas Benefits

While some insurance companies have struggled over the past several years, one that has actually seen dramatic growth is Kansas Insurance – General Insurance.  Kansas Insurance actually plays a very important role for the insurance industry in that insurance companies follow the guidelines set by this organization.  In fact, all of the market regulations must follow the rules set forth by Kansas Insurance and because of this, millions of insurance policy holders have been provide with outstanding protection.

For Kansas Insurance – General Insurance, the company provides great policies for automobile coverage.  Along with excellent coverage, this insurance company provides a variety of options.  For one thing, in the state of Kansas, drivers must have liability coverage for bodily liability at $25,000 per person, which is state law but from there, drivers can purchase coverage from the Kansas Insurance Company for several areas.

As an example, Kansas Insurance – General Insurance has policies for property damage liability, personal injury protection, underinsured motorist, and uninsured motorist.  Keep in mind that as far as insurance rates, these would vary in each state based on several factors.  With the Kansas Insurance Company, a person’s driving record, age, gender, and type of insurance coverage would all play a role in rate charged.

The Kansas Insurance Company – General Insurance was founded more than 135 years ago and since the day the doors opened, the owners and agents have worked hard to establish fair and protective regulations.  By monitoring different insurance companies, making sure each follows the rules and regulations set forth by Kansas Insurance, consumers have much better protection.  However, Kansas Insurance – General Insurance also provides consumers with various educational resources.

No matter the type of insurance you might be looking for in the state of Kansas, it is important to work with a reputable company, one that can provide the needed guidance for the best coverage but at the most affordable rates.  In addition, as mentioned, each state has different requirements under current law so if you are not aware of these laws, then you need to check with a company such as Kansas Insurance – General Insurance.

Remember, without coverage, you would be at risk for penalties under Kansas state law.  On the other hand, depending on the type of insurance coverage you choose, you might be able to get discounts.  A great example is for car insurance.  If you have a good driving record, have your homeowner’s insurance with the same car policy, have airbags in your car, and so on, then you would receive a lower premium.  Even students can get a discount on auto insurance if they maintain a certain grade point average.  For other discounts and information, a representative from any Kansas insurance company can assist.

Finally, while the Kansas Insurance Company is solid and responsible for regulating much of the state’s regulations, when you need to purchase any type of insurance, whether homeowners, renter’s, auto, life, medication, and so on, it pays to shop around.  After all, rates can vary significantly from one company to another so to save money, spend time looking at all options.

Iowa Insurance Choices and Options

Iowa Insurance Choices and Options

In the state of Iowa the insurance business is regulated by the Iowa Insurance division. All of the insurance transactions that take place in the state including the health maintenance organizations (HMOs) as well as hospitals and health corporations is carefully monitored and supervised by the division.

There are lots of different kinds of insurance coverage in the state of Iowa. To find the type of life, health, home or auto coverage that is appropriate you need to put your investigative tendencies to work. It is also so important to find out what is out there by looking in a methodical manner. Do not just sign up with the first company that sounds pretty good to you. Be more conscientious than that. Don’t let your impatient side take over! Remember that there is not just one type of insurance. There are also different types of processes, coverages and Iowa insurance companies out there. They are all there for you to explore!

Let us narrow down insurance to look at car insurance in Iowa. An insurance company will assess how much of a risk a person who applies to them for insurance really is. Before making the decision to extend a policy to an individual the company will look at particular criteria in its evaluation process.

All auto insurance in Iowa is governed by the Iowa State Insurance Department. The laws in the state as far as vehicle insurance is concerned deem it a requirement for liability coverage to be 20/40/15. What this means is that per person bodily injury coverage must be $20,000. It must be up to $40,000 for the total number of individuals involved in a vehicle accident. The property coverage for any damage that occurs in the accident must equal $15,000.

When applying for an auto insurance policy there are aspects of your life and the lifestyle you live, past and present that will matter to the Iowa insurance company. This includes your driving record, your age, your gender, where you live, the type of vehicle you have and your marital status.

Do an insurance premium comparison from one company to another. You can do your research online and look at what various companies have to offer you. There are websites over the net where you can compare various insurance providers in Iowa to help you find the one that offers good rates and good coverage. Remember that Iowa insurance is big business and it should be a huge priority to you.

Insurance Department

Insurance Department , Help For Consumers

Every state and country has a primary organization where a ton of insurance information could be obtained.  For instance, in the United States, each state has an insurance department, which is the organization responsible for establishing regulations and overseeing insurance companies within that state to make sure they are following the rules and regulations that have been developed.  However, a state insurance department offers more, such as information for consumers, agents, and insurance companies.  For foreign insurance, much of the same information could be found on the official government website for individual countries.

Without doubt, these organizations are extremely beneficial and each one has a critical responsibility to insurers, as well as consumers.  For instance, a state insurance department or foreign government website is dedicated to providing a wealth of information, specifically in safeguarding anyone involved with or affected by insurance.

As far as insurance companies, these organizations oversee operations to ensure statutory obligations are being fulfilled and that insurers are promoting honest and affordable policies.  These organizations also provide consumers with invaluable information so when buying insurance they are being offered honesty, integrity, and fairness along with the right type and amount of coverage.

Each state insurance department is a part of the federal government whereas insurance information found on foreign countries would fall under various government entities.  Therefore, all of the regulations being uphold and monitored have been set by people in high places.  As an example, for insurance within the United States, insurance departments are provided with specific state and federal laws pertaining to different aspects of the insurance business so if they fail to do their job in making sure agents and companies do their job, someone pays.  Much is the same for insurance overseas in that the controlling government establishes regulations and then enforces regulations.

One of the primary responsibilities for a state insurance department and foreign governments is to regulate and examine all insurance companies and other related operations that conduct business in that particular state or country.  For regulations, this would cover a long list of things such as agent licensing, agent examinations, company affair examinations, foreign insurer admittance, rate approval for property, liability, and automobile insurance, ratings, claims, practice investigation, complaint investigations, and policy form approval.

As you can see, both the state insurance department and country governments carry a very heavy load.  To make sure insurers are following the law and that consumers are being provided with appropriate insurance services and products, these professionals take the job very seriously.  People can visit the state insurance department or government site for the country of interest and find categories broken down for insurers versus consumers, which are full of excellent information about important insurance issues.

In addition to information found on these websites, it is common to find various links whereby consumers could review other consumer complaints, as well as actions taken against a particular insurance agency or company.  Other links would make it possible to look at an auto rate guide, read about consumer alerts specific to the insurance industry, and search the fraud division, read press releases and notices, and much more.  For insurers, the state departments and foreign government sites are also beneficial, offering up to date information on regulations, continuing education, guidelines for the different types of insurance, and much more.

Indiana Insurance Policies

Indiana Insurance Policies

If you reside in the state of Indiana then you require Indiana insurance. Data looking into employment and wages in Indiana yields the result that the insurance industry in this state is the highest paying non-manufacturing sector throughout the state. In 2003 the total insurance premium tax receipts equaled more than $178 million.

There are many different kinds of insurance in Indiana. There is car insurance, health insurance and also insurance that can be purchased through the Department of Indiana Insurance.

In terms of health insurance the majority of individuals in the state are insured through employer sponsored health insurance policies. If you have access to such a plan then you will pay less in premiums as your employer will bear the brunt of the costs. However there are plenty of options when it comes to Indiana insurance. Always take the time to compare the credentials of various companies before you decide to sign with any one in particular.

Some of the top life and health insurance providers in the state of Indiana include Anthem Health Systems, American United Life Insurance State, Golden Rule Insurance, Conseco Insurance, Liberty Mutual Insurance Company, Safeco Insurance Company of America and Lincoln National Life Insurance. Always do thorough research before you choose the coverage you wish to go with!

As far as car insurance goes in Indiana, the process is identical to other states. A contract must be signed between an individual and an insurance company. But first you must check around to see what companies are out there. Some examples of Indiana insurance companies include Allstate Insurance, Bennett and Bennett Insurance Inc., Farmers Insurance, and the Parrot Insurance Agency.

In Indiana the bare minimum that a motorist needs to be on the road is liability coverage. It is illegal to drive without this type of coverage. As far as liability coverage is concerned, the criterion is as follows:

•    Bodily injury coverage if one person is involved in an accident is $20,000
•    Bodily injury coverage for all persons involved in an accident is $40,000
•    Damage of property due to an accident is $10,000

Auto insurance rates in the state of Indiana require various things such as knowing the type of vehicle a person drives, their driving record, the geographical location they live in, their average driving mileage, etc. Find out everything that is required of you before you make that all important trip to apply for a vehicle insurance policy. In the game of insurance there is no such thing as knowing too much.

Illinois Insurance

Illinois Insurance


The Illinois Department of Insurance is the government agency responsible for establishing and enforcing regulations for Illinois insurance.  The Director of this organization along with is highly professional staff is dedicated to protecting consumers by providing them with information and assistance specific to different Illinois insurance issues.  Additionally, this government agency regulates behaviors of the insurance market, as well as financial solvency in this state.

To accomplish these goals, the Illinois Department of Insurance has designed an effective administration policy and implemented an effective enforcement plan for the regulations established.  To help, three primary departments were developed to include the Consumer Market department, the Financial Corporate Regulatory department, and the Legal department.  Together, Illinois policies, as well as insurers are more carefully monitored to ensure they are following all regulations according to law.

The website for the Illinois Department of Insurance offers tremendous value to individuals and business owners looking to purchase a policy along with insurance agents and companies to make sure they are providing consumers with fair and quality policies and premiums.  Below, we wanted to provide you with a few examples of what consumers would gain access to for Illinois insurance, as well as what insurers would be able to use and benefit from associated with this site.

For starters, any person or business would be deemed a “consumer”, the persons who would research different insurance policies and then choosing the one that would work best for the needs.  On this website, information for complaints, list of consumer facts, policy coverage for automobile, health, homeowner’s, elderly care, life, and travel, and laws and regulations for Illinois insurance has been provided in great detail.

Other categories that consumers could sift through include insurance fraud, coverage for college students, worker’s compensation, locating a reputable insurer, insurance guaranty associations, and the list goes on.  In addition, if any consumer interested in Illinois insurance were to need assistance, a representative for this agency could be contacted and help provided.

Now for insurance agents and companies that sell policies for Illinois insurance have the ability to gain all types of information and education from this organization.  In fact, insurers are exposed to even more information and more detailed information for Illinois insurance.  For instance, information is provided for an Annual Life Illustration Certification, regulatory filings, Illinois permitted practices, continuing education, examination information, becoming an Illinois public adjuster, becoming a residence licensed producer, insurance producer forms, and other licensing forms.

No matter if you are a consumer looking to purchase an Illinois insurance policy or an insurer eager to learn and stay current on regulations, the Illinois Department of Insurance is without doubt the most viable place to gain information.  Although you could conduct research for more information through any of the primary search engines, we recommend you start with this organization first.

Idaho Insurance Resources

Idaho Insurance Resources

To learn everything possible pertaining to Idaho insurance, your best resources is through the Idaho Department of Insurance.  This regulatory agency was formed as a means of regulating insurance in the state of Idaho, regardless of the coverage type.  Although first established in 1901, the Idaho Department was reorganized, becoming one of the 21 primary departments under the state of
Idaho’s executive branch in 1974.  Today, this agency continues to play a vital role in helping consumers and insurance companies.

After 1901 when insurance companies were popping up throughout the state of Idaho, regulations for Idaho insurance fell under the State’s general corporation law.  However, once Idaho was named an official state within the United States, the governing body changed to the Department of Treasury.  In initially, this entity of the government had the responsibility of administering new insurance laws and creating an annual report for the Commissioner.  With this industry flourishing, the number of agencies and companies selling Idaho insurance skyrocketed.

Shortly after the Idaho Department of insurance was founded, the Governor signed into law House Bill 115, which was officially called “An Act to Provide for an Insurance Commissioner, Defining his Duties, and Regulating his Compensation, and to Regulate License Insurance in this State, and to Repeal Existing Laws in Relation thereto.”  The purpose of this law for Idaho insurance was to allow the Commissioner of the insurance industry to monitor set regulations.  Then, with the Insurance Commissioner reporting directly to the Governor, advice and information was provided.

Over the years, Idaho insurance changed, which included a number of new laws being signed.  Some of the laws were beneficial for consumers looking to purchase
Idaho insurance while others only lasted a few years and then disappeared from radar.  However, in 1947 one particular law was passed, which was the creation of the Office of Commissioner of Insurance.  With this new department created, all regulatory power was shifted.

The Idaho Department of Insurance is still an important part of the government specific to insurance.  On this organization’s website, sections are set up for consumers and for insurers.  For instance, if you were interested in buying an insurance policy of any kind, some of the areas of this organization that would likely be most helpful include company or agent lookup, insurance company complaints, consumer alerts for Idaho insurance, and gathering education.

On the other hand, if you are an agent or work for an Idaho insurance company, this organization would be just as beneficial.  Some of the primary categories established specifically for insurance professionals include long-term care partnership information, bulletin, newsletter, and other publication notifications, legislative news, new laws and rules, and investigation and fraud.

With so much information for both sides for Idaho insurance, you can be sure to find answers needed.  Of course, if you needed guidance or information for something not included on the organization’s website, you could contact one of the professional staff members for assistance.

Georgia Insurance Policies and Coverages

Georgia Insurance Policies and Coverages

Georgia insurance should be on your mind if you reside in the state of Georgia. Lots of different types of insurance are important but for the sake of yourself and your family, health insurance should top the list. When it comes to looking for health insurance companies that can provide you the coverage that you need it is essential that you have an understanding of what insurance terms means.

Understanding health insurance is not as problematic as it once was but it can still be tricky for first timers to comprehend. Georgia insurance in a sense speaks a language all its own. Therefore to speak the language you first must understand the meaning behind it. Let us delve into some common health terms.

Have you ever heard the term coinsurance? If not then listen up. You need to know about this. Coinsurance is the percentage of money that you will have to pay to receive health care once you have paid your required deductible. The majority of insurance companies in Georgia pay anywhere from 75 to 80 percent of the total bill. When searching for health insurance always find out this information from the companies you are looking at. What this means is that you will have to pay 20 to 25 percent of the cost. This is the coinsurance you pay.

Another “co” word in the world of Georgia insurance is a copayment. A copayment, or as it is sometimes shortened to, a copay, is a predetermined fee that you are required to pay every time you seek out medical care. For example, if you go to your doctor because you have an ear infection then you must pay a copayment. Your insurance plan will cover the remainder of the cost. A common price for a copayment is $10 for a doctor’s visit.

Deductible is a common insurance word. In fact it is impossible to discuss insurance without using the word. No matter what type of Georgia insurance you are talking about there will be a deductible. This is true of health insurance, life insurance, vehicle insurance and house insurance. A deductible in case you are not aware of this is the amount of money you must pay on a yearly basis before your health plan will kick in and pay its share of your costs.

Exclusions are a part of most health policies. Sometimes referred to as limitations, there are certain services that health plans do not cover. It is a requirement of all plans that exclusions be listed in the written material of all Georgia insurance plans.

General Connecticut Insurance

General Connecticut Insurance

General Connecticut insurance companies offer comprehensive insurance solutions at reasonable rates. One can avail a comprehensive range of insurance services from Connecticut general insurance companies.
General Connecticut Housing Insurance

The northern part of America that includes Connecticut is a storm prone area. Every year, this place suffers from severe storms and faces great financial losses. So, it is very important for people living in Connecticut to have their housing insurance policies updated to safeguard against any loss. Policyholders should be aware of personal insurance needs. They should know everything about the housing policy, what it covers and what it does not. Ensure that the policy covers all the possible damages that can be done by either storm or flood.

There are possibilities that storm and flood occur together. So, one has to be prepared in advance for any such eventuality. Flood insurance policies are important for the people of Connecticut because it offers protection and insurance to the policyholder. Many people harbor the misconception that flood insurance policies are included in housing insurance. However, home insurance policies that are provided by various general Connecticut insurance companies do not cover for damages due to flood. So, it is essential to ensure that the insurance company offers simultaneous flood and storms insurance. If the company does not have any flood policy, it is better to switch to another company that offers the requisite insurance cover.


The Connecticut general insurance companies that offer housing insurance are aware of the damages that a storm can cause. So they ask very specifically about the kind of insurance policy one wants to have for his or her houses. The quote of the housing policy depends on the range of cover one opts to buy. Installing precautionary measures for the safety of the house and its valuable contents attracts lower prices for housing insurance.
General Connecticut Auto Insurance

It is compulsory for every vehicle in the state of Connecticut to have auto insurance. It is a legally punishable offense for the people of Connecticut to drive a vehicle without having adequate auto insurance both for the vehicle and the driver.

One can find himself paying huge fines or can even be put behind bars. An uninsured driver can even lose his or her driving license. The driver has the liability to pay compensation for the damages s/he has done.

Several general Connecticut insurance companies offer auto insurance policies with varying covers and rates. Various types of coverage that are available in the insurance market are:

    * Liability coverage: Liability coverage provides nearly $20,000 for an accident per person for physical injury, $40,000 for a serious injury to the body and nearly $10,000 for damages done to or by the vehicle.
    * Uninsured or underinsured motorcycle rider: This kind of policy helps those who are the family members of the insured person. However, it is meant for only those members of the family who do not have an auto insurance policy. This provides $20,000 for one person per accident and $40,000 for two persons of an accident.

One can find various other coverage options offering collision, comprehensive and medical payments.
General Connecticut Health Insurance

For those who have become unemployed recently, COBRA or the Consolidated Omnibus Budget Reconciliation Act brings a sigh of relief. This will let employees continue with the health insurance policy offered by the company. But the employer would not be paying a certain portion and the entire premium has to be borne by the policyholder. This compensatory coverage act lasts for 18 months.

General Connecticut insurance gives the opportunity to remain relaxed from potential financial risks. By buying different kinds of insurance policies, one can become less worried and enjoy life to the fullest.

Florida Insurance

Florida Insurance, Florida Health Insurance Choices


In the state of Florida as is the case with so many states, insurance is big business. Statistics tells us that as of 2001 there were 7.9 million ordinary life insurance policies insured in the state. Florida insurance takes into account a variety of policies and types. It includes life insurance, auto insurance, health insurance and also the Florida Department of Insurance.

There is an array of Florida health insurance companies that offer different types of plans. As of 2009 new individual plans from three companies were introduced. These companies include Avmed, Cigna and Coventry.

If you obtain Florida insurance through a group plan (such as through your employer or through a professional organization) then it is easy to understand because it is basically taken care of for you. All you do is pay your premiums and you are done. However if you are a Floridian who does not have access to a group medical plan then you must seek out an individual medical plan. It is likely that you want from a health plan exactly what other people want, which is as many health benefits in a plan as possible for as little money as possible. This is where the shopping spree for Florida health insurance comes in.


To find a plan and a health provider that is right for you it never hurts to talk to others to find out who they are insured by. Then you can go to the Internet and check out the companies that these people have brought to your attention. From there look closely at the Florida health insurance companies that are before you and decide which one is most appropriate for you.

It is helpful to know a few important points about insurance policies in Florida. In this state the domiciled carriers are Aetna, Avmed, Blue Cross, Cigna, Humana and Vista. What this means is that these insurance providers are all bound by the policies that are laid down by the laws in the state of Florida.

Florida has many options for insurance. One of the most affordable health insurance policies is through Cigna. It is Blue Cross Blue Shield that tends to be one of the most comprehensive health insurance policies. If your family is larger than four people than Aetna would be a good choice for you. Aetna offers flat pricing to policy members as more people are added to the policy. If you live in either Fort Lauderdale or Broward County then one of the best companies for you in terms of price is Avmed.

Colorado Insurance Policies

Colorado Insurance Policies

In the state of Colorado, an organization has the responsibility of protecting consumers when it comes to matters of insurance.  The Colorado Division of Insurance is responsible for regulating Colorado insurance while also providing consumers with assistance and guidance.  However, this organization also works with insurance providers, both agents and companies to keep them current on Colorado insurance issues.

It is estimated that this organization handles more than 25,000 calls every year, as well as letters, emails, and consumers walking in to get information.  To handle all this, the Colorado Division of insurance has an amazing staff of professionals that understand laws and regulations.  Because of this, they can keep the public and insurance professionals informed so no one is taken advantage of and only the best insurance coverage is provided.

Just a few of the things that this organization does for the Colorado insurance industry is conduct financial and market examinations on insurance companies in this state.  With this, the organization can determine if these companies offering Colorado insurance are licensed so they can conduct business.  This type of work also checks that no violations are happening, as well as the company solvency.


In addition, for Colorado insurance this organization offers a huge library of brochures, reports, insurance guides, surveys, and more on all types of insurance issues, along with links to outside resources.  With this, anyone whether a consumer, agent, or insurance company, would have access to a wealth of insight specifically for the Colorado insurance industry.

The Colorado Division of insurance works hard to keep people informed although the organization’s number one priority is protecting consumers.  Unfortunately, people are ripped off by insurance fraud all the time but with proper education and resources, this could be avoided.  To help, people can go through the list of questions and answers on Colorado insurance also provided on this site so they gain confidence when choosing and purchasing any type insurance policy.

Some of the information provided on the FAQ website for this Colorado insurance organization includes annual filing requirements, American Recovery and Reinvestment or ARRA, how to protect an automobile insurance claim, an informative guide to bail bonds, auto theft protection in the state of Colorado, and even credit scoring.  Additionally, the organization covers self-funding health benefits plans, information about the new federal healthcare reform bill, and motorist coverage for both insured and uninsured, and even look at Colorado insurance rates for different providers.

Some of the areas of responsibility for the Division of Colorado Insurance includes providing consumers with prompt and effective resolution for claims processing, educating the public about regulations for the state, giving people access to information so informed decisions can be made, and developing, as well as promoting a more efficient and effective process for learning about Colorado insurance issues.  Without doubt, this organization has made a huge impact on the state and the insurance industry, all for the better!  In addition to consumers knowing their rights, agents and other insurers also have the ability to provide better policies and services.

California Insurance Coverages

California Insurance Coverages

When searching for California insurance it is necessary to evaluate the risk of the consumer to identify the type of coverage required and how to make the most cost effective decision. Residents of California have much of the same insurance needs as residents all over the country. Health insurance is a priority, along with auto insurance for those who drive, and homeowners insurance for those who own a home and are paying a mortgage.

Earthquake insurance is often not covered under homeowner’s insurance. It is similar to flood insurance in this respect. It is estimated that only 12 percent of homeowners in California actually carry earthquake insurance. Despite decreases in standard policy coverage and larger deductibles, consumers have options when it comes to earthquake insurance. Besides the standard earthquake insurance policies, consumers have the choice of purchasing a stand-alone policy from a separate insurance provider other than the one that holds their homeowner’s insurance policy. Some insurance companies also carry wrap-around earthquake insurance policies. These types of policies supplement the individual’s current earthquake insurance and can reduce their deductible as well as increasing the coverage on the contents.

When shopping for earthquake insurance there are generally two different kinds of protection. The comprehensive single limit policy can be used for all or a combination of assorted coverage including dwelling coverage, coverage of garages or detached structures, loss of rental value, and removal of debris. The standard policy only offers a single limit that covers the dwelling plus limited additional coverage.

When purchasing California insurance, consumers should take under consideration the possibilities of devastating natural disasters such as earthquakes and wildfires. These events occur unexpectedly and for an individual who is not prepared it can create ruinous personal and financial losses. Not only should earthquake insurance be considered, but policyholders should also evaluate their homeowner’s insurance policy coverage to be certain that that their valuables and belongings will be accurately compensated. Homes should be routinely reappraised to assure that the policy covers home improvements, remodeling, renovations, and additions. It is vital for the policyholder to know and understand their policies and to have a clear knowledge of deductibles and what is covered or excluded within their contract.

All policyholders should also remember to store their insurance documentation somewhere safe and easily accessible. It helps to store them in a fireproof and waterproof container or in a separate location such as a bank safety deposit box. It is also advised to leave a copy with a trusted person. Having a copy of the insurance policy and contact numbers for the insurance provider will aid in the aftermath of catastrophic events and help the policyholder file their claim and receive compensation.

Arkansas Insurance

Arkansas Insurance

The Arkansas insurance industry is regulated by the Arkansas Insurance Department, which controls all forms of insurance in the state.

From the statistics, as of the year 2001, a total number of 1.7s millions ordinary life insurance policies were made with a total value of $67.7 billion. The total value for all types of life insurance (ordinary, group, industrial, and credit) was $111.2 billion. The Property and casualty types insurers wrote premiums amounted to $2.86 billion in the year 2001.

The Gross state product that is the insurance carriers and the related activities as of the year 2003 was $1,092 millions. The loss incurred by Arkansas from the homeowners as in 2004, was 196,487,786.

The incurred losses by the state workers compensation as of the year 2004 is calculated at 209,003,744. The total insured private passengers cars of the state as of the year 2003, is 1,876,226.

Here is a full list of insurance companies registered to trade in Arkansas.


Arkansas Insurance Companies

    * ACA Assurance
    * ACA Financial Guaranty Corp
    * Academy Life Ins Co
    * Acadia Ins Co
    * Acceptance Casualty Ins Co
    * Acceptance Ins Co
    * Access Ins Co
    * Accident Fund Ins Co of America
    * Accredited Surety & Casualty Co Inc
    * Ace America Reins Co
    * Ace American Ins Co
    * Ace Fire Underwriters Ins Co
    * Ace Indemnity Ins Co
    * Ace Prop & Casualty Ins Co
    * ACIG Ins Co
    * Acstar Ins Co
    * Acuity A Mutual Ins Co
    * Admiral Indemnity Co
    * Advance Ins Co
    * Advanta Life Ins Co
    * Advantage Workers Comp Ins Co
    * Aegis Security Ins Co
    * Aetna Health & Life Ins Co
    * Aetna Ins Co of CT
    * Aetna Life Ins Co
    * AF&L Ins Co
    * Affiliated Fm Ins Co
    * Affirmative Ins Co
    * Agents Mutual Ins Co
    * AGL Life Assurance Co
    * Agri General Ins Co
    * AIG Annuity Ins Co
    * AIG Centennial Ins Co
    * AIG Indemnity Ins Co
    * AIG Life Ins Co
    * AIG National Ins Co Inc
    * AIG Premier Ins Co
    * AIG SunAmerica Life Assurance Co
    * AIU Ins Co
    * Alabama Reassurance Co Inc
    * Alea North America Ins Co
    * Alfa Life Ins Corp
    * Alfa Vision Ins Corp
    * All Savers Ins Co
    * Allegheny Casualty Co
    * Alliance Assurance Co Of America
    * Alliance Of Nonprofits For Ins RRG
    * Allianz Global Risks US Ins Co
    * Allianz Life Ins Co Of North America
    * Allmerica Financial Benefit Ins Co
    * Allmerica Financial Life & Annuity
    * Allmerica Financial Alliance Ins Co
    * Allstate Assurance Co
    * Allstate Fire and Casualty Ins Co
    * Allstate Indemnity Co
    * Allstate Ins Co
    * Allstate Life Ins Co
    * Allstate Prop & Casualty Ins Co
    * Alpha Prop & Casualty Ins Co
    * Alta Health & Life Ins Co
    * Amalgamated Life & Health Ins Co
    * Ambac Assurance Corp
    * Amcomp Assurance Corp
    * America First Ins Co
    * American Agri Business Ins Co
    * American Agricultural Ins Co
    * American Alt Ins Corp
    * American Ambassador Casualty Co
    * American Amicable Life Ins Co Of TX
    * American Assoc Of Orthodontists RRG
    * American Automobile Ins Co
    * American Bankers Ins Co Of FL
    * American Bankers Life Assurance Co Of FL
    * American Capitol Ins Co
    * American Casualty Co Of Reading PA
    * American Centennial Ins Co
    * American Central Ins Co
    * American Century Casualty Co
    * American Community Mutual Ins Co
    * American Commerce Ins Co
    * American Compensation Ins Co
    * American Contractors Indemnity Co
    * American Contractors Ins Co RRG
    * American Dental Providers of AR Inc
    * American Economy Ins Co
    * American Empire Ins Co
    * American Employers Ins Co
    * American Enterprise Life Ins Co
    * American Equity Invest Life Ins Co
    * American Equity Specialty Ins Co
    * American Family Home Ins Co
    * American Family Life Assurance Co Columbus
    * American Federation Ins Co
    * American Fidelity Assurance Co
    * American Fidelity Life Ins Co
    * American Fire & Casualty Co
    * American Founders Life Ins Co
    * American Gen Assurance Co
    * American Gen Life & Acc Ins Co
    * American Gen Life Ins Co
    * American General Indemnity Co
    * American General Prop Ins Co Of FL
    * American General Property Ins Co
    * American Guarantee & Liability Ins
    * American Guaranty Title Ins Co
    * American Hardware Mutual Ins Co
    * American Health & Life Ins Co
    * American Healthcare Indemnity Co
    * American Heritage Life Ins Co
    * American Home Assurance Co
    * American Home Life Ins Co
    * American Income Life Ins Co
    * American Indemnity Co
    * American Ins Co
    * American Ins Co Of TX
    * American Interstate Ins Co
    * American Intl Ins Co
    * American Intl Life Assurance Co NY
    * American Investors Life Ins Co
    * American Life & Acc Ins Co Of KY
    * American Life Ins Co of NY
    * American Live Stock Ins Co
    * American Manufacturers Mutual Ins Co
    * American Maturity Life Ins Co
    * American Medical & Life Ins Co
    * American Medical Security Life Ins Co
    * American Memorial Life Ins Co
    * American Mercury Ins Co
    * American Modern Home Ins Co
    * American Modern Life Ins Co
    * American Motorists Ins Co
    * American National General Ins Co
    * American National Ins Co
    * American National Life Ins Co Of TX
    * American National Prop & Casualty Co
    * American Network Ins Co
    * American Partners Life Ins Co
    * American Phoenix Life & Reassurance Co
    * American Physicians Ins Exchange
    * American Pioneer Life Ins Co
    * American Premier Ins Co
    * American Professionals Ins Co
    * American Public Life Ins Co
    * American Reliable Ins Co
    * American Republic Ins Co
    * American Retirement Life Ins Co
    * American Road Ins Co
    * American Safety Casualty Ins Co
    * American Safety RRG Inc
    * American Security Ins Co
    * American Sentinel Ins Co
    * American Service Ins Co Inc
    * American Service Life Ins Co
    * American Skandia Life Assurance Corp
    * American Southern Home Ins Co
    * American Southern Ins Co
    * American Specialty Health Ins Co
    * American States Ins Co
    * American States Ins Co Of TX
    * American States Preferred Ins Co
    * American T & T Ins Co RRG
    * American Travelers Assurance Co
    * American Underwriters Ins Co
    * American United Life Ins Co
    * American Zurich Ins Co
    * Americo Financial Life Annuity Ins
    * Americom Life & Annuity Ins Co
    * Ameritas Life Ins Corp
    * Ameritas Variable Life Ins Co
    * Amerus Life Ins Co
    * Amguard Ins Co
    * Amica Life Ins Co
    * Amicus Mutual Ins Co
    * Annuity & Life Reassurance America Inc
    * Ansur America Ins
    * Anthem Ins Co Inc
    * Anthem Life Ins Co
    * Arag Ins Co
    * Arch Ins Co
    * Arch Reins Co
    * Architects & Engineers Ins Co RRG
    * Argonaut Great Central Ins Co
    * Argonaut Ins Co
    * Argonaut-Midwest Ins Co
    * Argonaut-Southwest Ins Co
    * Arkansas Bankers Life Ins Co
    * Arkansas BCBS
    * Arkansas Community Care
    * Arkansas National Life Ins Co
    * Arkansas Title Ins Co
    * Armed Forces Ins Exchange
    * Associated Indemnity Corp
    * Association Casualty Ins Co
    * Assurance Co Of America
    * AssuranceAmerica Ins Co
    * Assured Guaranty Corp
    * Assurity Life Ins Co
    * Athena Assurance Co
    * Atlanta Casualty Co
    * Atlanta Intl Ins Co
    * Atlanta Specialty Ins Co
    * Atlantic Ins Co
    * Atlantic Mutual Ins Co
    * Atlantic Specialty Ins Co
    * Atlantic Title Ins Co
    * Atradius Trade Credit Ins Co
    * Attorneys Liability Assurance Society Inc RRG
    * Attorneys Title Ins Fund
    * Audubon Ins Co
    * Aurora National Life Assurance Co
    * Austin Mutual Ins Co
    * Auto Club Family Ins Co
    * Auto Owners Life Ins Co
    * Automobile Club Interinsurance Exchange
    * Automobile Ins Co Of Hartford CT
    * Automotive Underwriters Ins Co A RRG
    * Auto-Owners Ins Co
    * Avemco Ins Co
    * Aviation Title Ins Co
    * Aviva Life Ins Co
    * Avomark Ins Co
    * AXA Art Ins Corp
    * AXA Corp Solutions Life Reins Co
    * AXA Corp Solutions Reins Co
    * AXA Equitable Life Ins Co
    * AXA Ins Co
    * AXA Life & Annuity Co
    * AXA Re America Ins Co
    * AXA Re Prop & Casualty Ins Co
    * Axis Ins Co
    * AXIS Reins Co
    * Balboa Life Ins Co
    * Baltimore Life Ins Co
    * Bancinsure Inc
    * Bankers Fidelity Life Ins Co
    * Bankers Ins Co
    * Bankers Life & Casualty Co
    * Bankers Life Ins Co
    * Bankers Standard Ins Co
    * Bankers Std Fire & Marine Co
    * Banner Life Ins Co
    * Baptist Life Assn
    * BCS Ins Co
    * BCS Life Ins Co
    * Beacon Ins Co Of America
    * Beacon National Ins Co
    * Beazley Ins Co Inc
    * Benchmark Ins Co
    * Beneficial Life Ins Co
    * Benicorp Ins Co
    * Berkley Ins Co
    * Berkley Regional Ins Co
    * Berkshire Hathaway Life Ins Co NE
    * Berkshire Life Ins Co of America
    * Best Life And Health Ins Co
    * Birmingham Fire Ins Co Of PA
    * Bituminous Casualty Corp
    * Bituminous Fire & Marine Ins Co
    * Bond Safeguard Ins Co
    * Boston Mutual Life Ins Co
    * Boston Old Colony Ins Co
    * Bridgefield Casualty Ins Co
    * Brierfield Ins Co
    * Bristol West Ins Co
    * Brokers National Life Assurance Co
    * Brotherhood Mutual Ins Co
    * Business Mens Assurance Co Of America
    * Cambridge Life Ins Co
    * Cameron Mutual Ins Co
    * Cameron National Ins Co
    * Camico Mutual Ins Co
    * Canada Life Ins Co Of America
    * Canal Ins Co
    * Capital Assurance RRG Inc
    * Capital City Ins Co Inc
    * Capital Markets Assurance Corp
    * Capitol Indemnity Corp
    * Capitol Life & Accident Ins Co
    * Capitol Life Ins Co
    * Carolina Casualty Ins Co
    * Casualty Reciprocal Exchange
    * Catholic Knights
    * Celtic Ins Co
    * CEM Ins Co
    * Censtar Title Ins Co
    * Centennial Ins Co
    * Central Benefits National Life Ins Co
    * Central Reserve Life Ins Co
    * Central Security Life Ins Co
    * Central States H & L Co Of Omaha
    * Central States Indemnity Co Of Omaha
    * Central United Life Ins Co
    * Centre Ins Co
    * Centre Life Ins Co
    * Centurion Life Ins Co
    * Century Indemnity Co
    * Century Life Ass Co
    * Century Rein Co
    * Century-National Ins Co
    * Charter Indemnity Co
    * Charter National Life Ins Co
    * Charter Oak Fire Ins Co
    * Chase Ins Life and Annuity Co
    * Chase Ins Life Co
    * Chase Life & Annuity Co
    * Cherokee Ins Co
    * Cherokee National Life Ins Co
    * Chesapeake Life Ins Co
    * Chicago Ins Co
    * Chicago Title Ins Co
    * Christian Fidelity Life Ins Co
    * Chubb Indemnity Ins Co
    * Chubb National Ins Co
    * Church Life Ins Corp
    * Church Mutual Ins Co
    * CICA Life Ins Co of America
    * CIFG Assurance NA Inc
    * CIM Ins Corp
    * Cincinnati Casualty Co
    * Cincinnati Ins Co
    * Cincinnati Life Ins Co
    * Circle Star Ins Co RRG
    * Citicorp Life Ins Co
    * Citizens Fidelity Ins Co
    * Citizens National Life Ins Co
    * Citizens Security Life Ins Co
    * Clarendon National Ins Co
    * Clearwater Ins Co
    * Clearwater Select Ins Co
    * CM Life Ins Co
    * CMG Mortgage Assurance Co
    * CMG Mortgage Ins Co
    * CNL Ins America Inc
    * Cologne Reins Co Of America
    * Colonial American Casualty & Surety Co
    * Colonial Life & Accident Ins Co
    * Colonial Penn Life Ins Co
    * Colonial Surety Co
    * Colony Specialty Ins Co
    * Colorado Bankers Life Ins Co
    * Columbia Mutual Ins Co
    * Columbia National Ins Co
    * Columbia Universal Life Ins Co
    * Columbian Life Ins Co
    * Columbian Mutual Life Ins Co
    * Columbian National Title Ins Co
    * Columbus Life Ins Co
    * Combined Ins Co Of America
    * Commerce & Industry Ins Co
    * Commercial Casualty Ins Co
    * Commercial Guaranty Casualty Ins Co
    * Commercial Ins Co Of Newark NJ
    * Commercial Loan Ins Corp
    * Commercial Travelers Mutual Ins Co
    * Commonwealth Ins Co Of America
    * Commonwealth Land Title Ins Co
    * Community Bank Life & Health Ins Co
    * Community Blood Cntr Exchange RRG
    * Companion Commercial Ins Co
    * Companion Life Ins Co
    * Companion Prop & Casualty Ins Co
    * Compass Ins Co
    * Compbenefits Ins Co
    * Congress Life Ins Co
    * Connecticut General Life Ins Co
    * Connie Lee Ins Co
    * Conseco Health Ins Co
    * Conseco Life Ins Co
    * Conseco Senior Health Ins Co
    * Constitution Life Ins Co
    * Consumer Specialties Ins Co RRG
    * Consumers Ins USA Inc
    * Consumers Life Ins Co
    * Continental American Ins Co
    * Continental Assurance Co
    * Continental General Ins Co
    * Continental Ins Co
    * Continental Life Ins Co Brentwood
    * Continental National Indemnity Co
    * Continental Western Ins Co
    * Contractors Bonding & Ins Co
    * Converium Ins North America Inc
    * Converium Reins North America Inc
    * Cooperative Mutual Ins Co
    * Coregis Ins Co
    * Cornerstone National Ins Co
    * Cornhusker Casualty Co
    * Corporate Health Ins Co
    * Cosmopolitan Life Ins Co
    * Country Investors Life Assurance Co
    * Country Life Ins Co
    * Country Mutual Ins Co
    * Country Preferred Ins Co
    * Courtesy Ins Co
    * Coventry Health & Life Ins Co
    * CPA Ins Co
    * Crum & Forster Indemnity Co
    * Crum & Forster Specialty Ins Co
    * CSI Life Ins Co
    * Cumberland Casualty & Surety Co
    * Cumis Ins Society Inc
    * Cuna Mutual Life Ins Co
    * Cypress Ins Co
    * DaimlerChrysler Ins Co
    * Dairyland Ins Co
    * Dakota Truck Underwriters
    * Dallas National Ins Co
    * Darwin National Assurance Co
    * Dealers Assurance Co
    * Deerbrook Ins Co
    * Deerfield Ins Co
    * Degree Of Honor Protective Assn
    * Delaware American Life Ins Co
    * Delta Dental Plan of AR Inc
    * Dentists Ins Co
    * Depositors Ins Co
    * Developers Surety And Indemnity Co
    * Diamond State Ins Co
    * Direct General Life Ins Co
    * Direct Ins Co
    * Direct Life Ins Co
    * Directors Life Assurance Co
    * Discover Prop & Casualty Ins Co
    * Distinguished Programs RRG
    * Dixie National Life Ins Co
    * Doctors Co An Interins Exchange
    * Eastguard Ins Co
    * Economy Fire & Casualty Co
    * Economy Premier Assurance Co
    * Educators Mutual Life Ins Co
    * Eldercare Mutual Co RRG Inc
    * Electric Ins Co
    * EMC National Life Co
    * Emc Prop & Casualty Ins Co
    * Emcasco Ins Co
    * Emergency Physicians Ins Co RRG
    * Empire Fire & Marine Ins Co
    * Empire General Life Assurance Corp
    * Employees Life Co Mutual
    * Employers Ins of Wausau
    * Employers Life Ins Corp
    * Employers Reassurance Corp
    * Employers Reins Corp
    * Encompass Indemnity Co
    * Encompass Ins Co
    * Encompass Ins Co Of America
    * Enterprise Life Ins Co
    * Equitable Life & Casualty Ins Co
    * Equity Insurance Co
    * Equity Mutual Ins Co
    * Esurance Ins Co
    * Euler American Credit Indemnity Co
    * Everest National Ins Co
    * Everest Reins Co
    * Evergreen National Indemnity Co
    * Executive Risk Indemnity Inc
    * Factory Mutual Ins Co
    * Fairfield Ins Co
    * Fairmont Ins Co
    * Fairmont Premier Ins Co
    * Fairmont Specialty Ins Co
    * Family Heritage Life Ins Co Of America
    * Family Life Ins Co
    * Family Service Life Ins Co
    * Far West Ins Co
    * Farm Bureau Mutual Ins Co Of AR Inc
    * Farmers & Merchants Ins Co
    * Farmers Alliance Mutual Ins Co
    * Farmers Mutual Hail Ins Co Of IA
    * Farmers New World Life Ins Co
    * Farmers Union Cooperative Ins Co NE
    * Farmington Casualty Co
    * Farmland Mutual Ins Co
    * Federal Home Life Ins Co
    * Federal Ins Co
    * Federal Life Ins Co
    * Federated Mutual Ins Co
    * Federated Service Ins Co
    * FFG Ins Co
    * Fidelity & Casualty Co Of NY
    * Fidelity & Deposit Co Of MD
    * Fidelity & Guaranty Ins Co
    * Fidelity & Guaranty Ins Underwriters
    * Fidelity Investments Life Ins Co
    * Fidelity Life Ins Co
    * Fidelity National Prop and Casualty Ins Co
    * Fidelity National Title Ins Co
    * Fidelity Security Life Ins Co
    * Fidelity Standard Life Ins Co
    * Financial American Life Ins Co
    * Financial Assurance Life Ins Co
    * Financial Benefit Life Ins Co
    * Financial Guaranty Ins Co
    * Financial Security Assurance Inc
    * Fire Ins Exchange
    * Firemens Ins Co Of Newark NJ
    * First Acceptance Ins Co Inc
    * First Allmerica Fin Life Ins Co
    * First American Prop & Casualty Ins Co
    * First American Title Ins Co
    * First Colony Life Ins Co
    * First Continental Life & Acc
    * First Deposit Life Ins Co
    * First Financial Ins Co
    * First Health Life & Health Ins Co
    * First Investors Life Ins Co
    * First Liberty Ins Corp
    * First Marine Ins Co
    * First National Ins Co Of America
    * First Penn Pacific Life Ins Co
    * First Professionals Ins Co
    * First Sealord Surety Inc
    * Firstcomp Ins Co
    * Florists Mutual Ins Co
    * Folksamerica Rein Co
    * Foremost Ins Co
    * Foremost Property & Casualty Ins Co
    * Foremost Signature Ins Co
    * Forethought Life Assurance Co
    * Forethought Life Ins Co
    * Fort Dearborn Life Ins Co
    * Fort Wayne Health & Casualty Ins Co
    * Fortress Ins Co
    * Founders Ins Co
    * Frankenmuth Mutual Ins Co
    * Frontier Ins Co
    * Funeral Directors Life Ins Co
    * Garden State Life Ins Co
    * Garrison Property and Casualty Ins Co
    * Gateway Ins Co
    * GE Group Life Assurance Co
    * GE Life And Annuity Assurance Co
    * GE Reins Corp
    * Geico Casualty Co
    * Geico Indemnity Co
    * General American Life Ins Co
    * General Casualty Co Of WI
    * General Electric Capital Assurance Co
    * General Fidelity Life Ins Co
    * General Ins Co Of America
    * General Re Life Corp
    * General Rein Corp
    * General Security National Ins Co
    * General Star National Ins Co
    * Generali USA Life Reassurance Co
    * Genesis Ins Co
    * Genworth Mortgage Ins Corp
    * Georgia Casualty & Surety Co
    * Geovera Ins Co
    * Gerber Life Ins Co
    * Gibraltar National Ins Co
    * Glens Falls Ins Co
    * Global Intl Ins Co Inc A RRG
    * Global Reins Corp Of America
    * Global Reins Corp US Branch
    * Globe Life & Accident Ins Co
    * GMAC Direct Ins Co
    * Golden Rule Ins Co
    * Golden Security Ins Co
    * Government Employees Ins Co
    * Government Personnel Mutual Life Ins Co
    * Grain Dealers Mutual Ins Co
    * Gramercy Ins Co
    * Granite Re Inc
    * Granite State Ins Co
    * Graphic Arts Mutual Ins Co
    * Gray Ins Co
    * Great American Alliance Ins Co
    * Great American Assurance Co
    * Great American Ins Co
    * Great American Security Ins Co
    * Great American Spirit Ins Co
    * Great Divide Ins Co
    * Great Midwest Ins Co
    * Great Northern Ins Co
    * Great River Ins Co
    * Great Southern Life Ins Co
    * Great West Casualty Co
    * Great West Life & Annuity Ins Co
    * Great West Life Assurance Co
    * Great Western Ins Co
    * Greater NY Mutual Ins Co
    * Greatway Ins Co
    * Greenwich Ins Co
    * Guarantee Co Of North America USA
    * Guarantee Ins Co
    * Guarantee Trust Life Ins Co
    * Guaranty Income Life Ins Co
    * Guaranty National Ins Co
    * Guardian Ins & Annuity Co Inc
    * Guardian Life Ins Co Of America
    * Guic Ins Co
    * Guideone America Ins Co
    * Guideone Elite Ins Co
    * Guideone Mutual Ins Co
    * Gulf Guaranty Ins Co
    * Hanover Ins Co
    * Harco National Ins Co
    * Harleysville Ins Co
    * Harleysville Mutual Ins Co
    * Harleysville Preferred Ins Co
    * Hart Life Ins Co
    * Hartford Accident & Indemnity Co
    * Hartford Casualty Ins Co
    * Hartford Fire In Co
    * Hartford Ins Co Of The Midwest
    * Hartford Life & Accident Ins Co
    * Hartford Life & Annuity Ins Co
    * Hartford Life Group Ins Co
    * Hartford Life Ins Co
    * Hartford Steam Boil Inspection & Ins Co
    * Hartford Steam Boil Inspection Ins Co CT
    * Hartford Underwriters Ins Co
    * HCC Ins Co
    * HCC Life Ins Co
    * HCSC Ins Services Co
    * Health Net Life Ins Co
    * Healthlink HMO Inc
    * Healthy Alliance Life Ins Co
    * Heritage Casualty Ins Co
    * Heritage Indemnity Co
    * Heritage Life Ins Co
    * Heritage Warranty Ins RRG Inc
    * Highlands Ins Co
    * Highmark Life Ins Co
    * HM Health Insurance Company
    * HMO Partners Inc
    * Home Owners Life Ins Co
    * Home-Owners Ins Co
    * Homesite Ins Co Of The Midwest
    * Homesteaders Life Co
    * Horace Mann Ins Co
    * Horace Mann Life Ins Co
    * Horace Mann Prop & Casualty Ins Co
    * Household Life Ins Co
    * Housing Authority Prop A Mutual Co
    * Housing Authority RRG Inc
    * Houston General Ins Co
    * Hudson Ins Co
    * Humana Ins Co
    * Humanadental Ins Co
    * IDS Life Ins Co
    * IDS Prop Casualty Ins Co
    * Illinois Mutual Life Ins Co
    * Imperial Casualty & Indemnity Co
    * Imperial Fire & Casualty Ins Co
    * Indemnity Ins Co Of North America
    * Independence American Ins Co
    * Independence Life & Annuity Co
    * Independent Order Of Foresters Us Br
    * Indiana Lumbermens Mutual Ins Co
    * Indianapolis Life Ins Co
    * Individual Assurance Co Life Health & Acc
    * Infinity Ins Co
    * Infinity National Ins Co
    * Infinity Select Ins Co
    * ING Life Ins & Annuity Co
    * Instil Health Ins Co
    * Insura Prop & Casualty Ins Co
    * Insurance Co Of North America
    * Insurance Co Of The West
    * Insurance Corp Of NY
    * Insuremax Ins Co
    * Integon General Ins Corp
    * Integon National Ins Co
    * Integrity Life Ins Co
    * Intl. Business & Mercantile Reassurance Co
    * International Fidelity Ins Co
    * Interstate Indemnity Co
    * Intramerica Life Ins Co
    * Intrepid Ins Co
    * Investors Consolidated Ins Co
    * Investors Heritage Life Ins Co
    * Investors Ins Corp
    * Investors Life Ins Co North America
    * Investors Title Ins Co
    * Jackson National Life Ins Co
    * Jamestown Ins Co RRG
    * Jefferson Ins Co
    * Jefferson National Life Ins Co
    * Jefferson Pilot Financial Ins Co
    * Jefferson Pilot Life America Ins Co
    * Jefferson Standard Life Ins Co
    * Jewelers Mutual Ins Co
    * JMIC Life Ins Co
    * John Alden Life Ins Co
    * John Hancock Life Ins Co
    * John Hancock Life Ins Co (USA)
    * John Hancock Variable Life Ins Co
    * Kansas Bankers Surety Co
    * Kansas City Fire & Marine Ins Co
    * Kansas City Life Ins Co
    * Kemper Investors Life Ins Co
    * Kilpatrick Life Ins Co
    * Knights Of Columbus
    * Lafayette Life Ins Co
    * Lancer Ins Co
    * Landmark Life Ins Co
    * Lawyers Title Ins Corp
    * Leader Ins Co
    * Leader Specialty Ins Co
    * Lemic Ins Co
    * Lenders Protection Assurance Co RRG
    * Lexington National Ins Corp
    * Lexon Ins Co
    * Liberty Bankers Life Ins Co
    * Liberty Ins Corp
    * Liberty Life Assurance Co Of Boston
    * Liberty Life Ins Co
    * Liberty Mutual Fire Ins Co
    * Liberty Mutual Ins Co
    * Liberty National Life Ins Co
    * Life Ins Co Of North America
    * Life Investors Ins Co Of America
    * Life Of The South Ins Co
    * Lincoln Benefit Life Co
    * Lincoln General Ins Co
    * Lincoln Heritage Life Ins Co
    * Lincoln Memorial Life Ins Co
    * Lincoln National Life Ins Co
    * LM General Ins Co
    * LM Ins Corp
    * LM Property and Casualty Ins. Co.
    * London Life Reins Co
    * Loyal American Life Ins Co
    * Lumbermens Underwriting Alliance
    * Lyndon Property Ins Co
    * MAG Mutual Ins Co
    * Magna Ins Co
    * Maine Bonding & Casualty Co
    * Manhattan Life Ins Co
    * Manhattan National Life Ins Co
    * Manufacturers Alliance Ins Co
    * Manulife Ins Co
    * Markel American Ins Co
    * Marquette National Life Ins Co
    * Maryland Ins Co
    * Massachusetts Bay Ins Co
    * Massachusetts Mutual Life Ins Co
    * Mayflower National Life Ins Co
    * MBIA Ins Corp Of IL
    * Medamerica Ins Co
    * Medco Containment Life Ins Co
    * Medical Assurance Co Inc
    * Medical Benefits Mutual Life Ins Co
    * Medical Mutual Ins Co Of NC
    * Medical Protective Co
    * Medical Savings Ins Co
    * Medico Life Ins Co
    * Medmarc Casualty Ins Co
    * Mega Life & Health Ins Co The
    * Member Service Life Ins Co
    * Members Life Ins Co
    * Memorial Ins Co Of America
    * Mendota Ins Co
    * Mental Health RRG
    * Merchants Bonding Co (Mutual)
    * Merit Life Ins Co
    * MetLIfe Investors Ins Co
    * MetLife Investors USA Ins Co
    * Metropolitan Casualty Ins Co
    * Metropolitan Direct Prop & Casualty Ins Co
    * Metropolitan Life Ins Co
    * Metropolitan Property & Casualty Ins Co
    * Metropolitan Tower Life Ins Co
    * MGIC Assurance Corp General Account
    * MGIC Indemnity Corp
    * MIC General Ins Corp
    * MIC Prop & Casualty Ins Corp
    * Michigan Millers Mutual Ins Co
    * Mid American Century Life Ins Co
    * Mid Continent Preferred Life Ins Co
    * Mid South Ins Co
    * Mid West National Life Ins Co Of TN
    * Mid-America Ins Co
    * Mid-Continent Casualty Co
    * Midland National Life Ins Co
    * Midstates Rein Corp
    * Midwest Employers Casualty Co
    * Midwest Ins Co
    * Midwestern Indemnity Co
    * Midwestern Ins Co
    * Midwestern United Life Ins Co
    * Millers First Ins Co
    * Mitsui Sumitomo Ins Co of America
    * Mitsui Sumitomo Ins USA Inc
    * MML Bay State Life Ins Co
    * Modern Woodmen Of America
    * Monarch Life Ins Co
    * Monumental Life Ins Co
    * Mony Life Ins Co
    * Mortgage Guaranty Ins Corp
    * Motors Ins Corp
    * Mountain Life Ins Co
    * MTL Ins Co
    * Munich American Reassurance Co
    * Mutual Of America Life Ins Co
    * Mutual Protective Ins Co
    * Mutual Service Casualty Ins Co
    * Mutual Service Life Ins Co
    * National American Ins Co
    * National Benefit Life Ins Co
    * National Casualty Co
    * National Continental Ins Co
    * National Family Care Life Ins Co
    * National Farmers Union Life Ins Co
    * National Financial Ins Co
    * National Fire & Indemnity Exchange
    * National Fire Ins Co Of Hartford
    * National Foundation Life Ins Co
    * National General Ins Co
    * National Guardian Life Ins Co
    * National Health Ins Co
    * National Home Ins Co RRG
    * National Indemnity Co
    * National Ins Underwriters
    * National Interstate Ins Co
    * National Liability & Fire Ins Co
    * National Life Ins Co
    * National Lloyds Ins Co
    * National Reins Corp
    * National Security Fire & Casualty Co
    * National Security Life & Annuity Co
    * National Specialty Ins Co
    * National Service Contract Ins Co RRG
    * National States Ins Co
    * National Std Ins Co
    * National Surety Corp
    * National Teachers Assoc Life Ins Co
    * National Title Ins Of NY Inc
    * National Trust Ins Co
    * National Union Fire Ins Co Of LA
    * National Union Fire Ins Co Of Pitts
    * National Western Life Ins Co
    * Nationsbanc Ins Co Inc
    * Nationwide Affinity Co of America
    * Nationwide Agribusiness Ins Co
    * Nationwide Assurance Co
    * Nationwide Ins Co Of America
    * Nationwide Life & Ann Co of America
    * Nationwide Life And Annuity Ins Co
    * Nationwide Life Ins Co
    * Nationwide Life Ins Co of America
    * Nationwide Mutual Ins Co
    * Nationwide Prop & Casualty Ins Co
    * NAU Country Ins Co
    * NCMIC Ins Co
    * Netherlands Ins Co The
    * New England Ins Co
    * New England Life Ins Co
    * New England Rein Corp
    * New Hampshire Indemnity Co Inc
    * New Hampshire Ins Co
    * New York Life Ins & Annuity Corp
    * New York Life Ins Co
    * New York Marine & General Ins Co
    * NGL American Life Ins Co
    * Niagara Fire Ins Co
    * Nippon Life Ins Co Of America
    * Nipponkoa Ins Co Ltd U.S. Branch
    * North American Co Life & Health Ins
    * North American Elite Ins Co
    * North American Specialty Ins Co
    * North River Ins Co
    * North Star Rein Corp
    * Northbrook Indemnity Co
    * Northern Assurance Co Of America
    * Northern Ins Co Of NY
    * Northland Casualty Co
    * Northland Ins Co
    * Northwestern Long Term Care Ins Co
    * Nova Casualty Co
    * Nutmeg Life Ins Co
    * NYLife Ins Co Of AZ
    * Occidental Life Ins Co Of NC
    * Ohio Casualty Ins Co
    * Ohio Farmers Ins Co
    * Ohio National Life Assurance Corp
    * Ohio National Life Ins Co
    * Ohio Security Ins Co
    * Ohio State Life Ins Co
    * Oklahoma Surety Co
    * Old American Ins Co
    * Old Reliable Casualty Co
    * Old Republic Ins Co
    * Old Republic Life Ins Co
    * Old Republic National Title Ins Co
    * Old Republic Security Assurance Co
    * Old Republic Surety Co
    * Old Surety Life Ins Co
    * Old United Casualty Co
    * Old United Life Ins Co
    * OMS National Ins Co RRG
    * OneBeacon America Ins Co
    * OneNation Ins Co
    * Ooida RRG Inc
    * Ophthalmic Mutual Ins Co RRG
    * Optimum Re Ins Co
    * Order United Commercial Travelers Of America
    * Owners Ins Co
    * Oxford Life Ins Co
    * Ozark National Life Ins Co
    * Pacific Indemnity Co
    * Pacific Life & Annuity Co
    * Pacific Select Property Ins Co
    * Pacific Specialty Ins Co
    * Pacificare Life & Health Ins Co
    * PACO Assurance Co Inc
    * Pan American Life Ins Co
    * Paragon Life Ins Co
    * Paratransit RRG Group Ins Co
    * Park Avenue Life Ins Co
    * Parker Centennial Assurance Co
    * Paul Revere Life Ins Co
    * Paul Revere Variable Annuity Ins Co
    * Peachtree Casualty Ins Co
    * Peak Prop & Casualty Ins Corp
    * Peerless Ins Co
    * Peninsular Life Ins Co
    * Penn Ins & Annuity Co
    * Penn Millers Ins Co
    * Penn Mutual Life Ins Co
    * Penn Treaty Network America Ins Co
    * Penn-America Ins Co
    * Pennsylvania General Ins Co
    * Pennsylvania Lumbermens Mutual Ins
    * Pennsylvania Manufacturers Assn Ins Co
    * Pennsylvania National Mutual Casualty Ins Co
    * Peoples Benefit Life Ins Co
    * Perico Life Ins Co
    * Petroleum Casualty Co
    * Pharmacists Mutual Ins Co
    * Philadelphia American Life Ins Co
    * Philadelphia Rein Corp
    * PHL Variable Ins Co
    * Phoenix Ins Co
    * Phoenix Life Ins Co
    * Phoenix National Ins Co
    * Physicians Life Ins Co
    * Physicians Specialty Ltd RRG
    * Pinnacle RRG Inc
    * Pioneer American Ins Co
    * Platinum Underwriters Reins Co.
    * Platte River Ins Co.
    * PMI Mortgage Ins Co
    * Podiatry Ins Co Of America A Mutual Co
    * Polish Roman Catholic Union Of America
    * Preferred Professional Ins Co
    * Premier Ins Exchange RRG
    * Presidential Life Ins Co
    * Primeguard Ins Co Inc A RRG
    * Primerica Life Ins Co
    * Principal Health Ins Co
    * Private Residential Mortgage Ins Co
    * Producers Agriculture Ins Co
    * Producers Lloyds Ins Co
    * Professional Ins Co
    * Professional Liability Ins Co Of America
    * Professional Solutions Ins Co
    * Progressive Casualty Ins Co
    * Progressive Classic Ins Co
    * Progressive Halcyon Ins Co
    * Progressive Home Ins Co
    * Progressive Northwestern Ins Co
    * Progressive Specialty Ins Co
    * Property & Casualty Ins Co Of Hartford
    * Property-Owners Ins Co
    * Protective Ins Co
    * Protective Life And Annuity Ins Co
    * Protective Life Ins Co
    * Providence Washington Ins Co
    * Provident American Life & Health Ins Co
    * Provident Life & Accident Ins Co
    * Provident Life & Casualty Ins Co
    * Prudential Ins Co Of America
    * Prudential Retirement Ins & Annuity Co
    * Public Service Mutual Ins Co
    * Putnam Rein Co
    * PXRE Reins Co
    * Pyramid Life Ins Co
    * QBE Ins Corp
    * QBE Reins Corp
    * QCA Health Plan Inc
    * Quadrant Indemnity Co
    * Quanta Indemnity Co
    * Radian Guaranty Inc
    * Rampart Ins Co
    * Reassure America Life Ins Co
    * Reciprocal of America
    * Redland Ins Co
    * Regal Ins Co
    * Regent Ins Co
    * Reinsurance Co Of America Inc
    * Reliable Life Ins Co
    * Reliance Life Ins Co
    * Reliance Standard Life Ins Co
    * Reliastar Life Ins Co
    * Reliastar Life Ins Co Of NY
    * Renaissance L & H Ins Co of America
    * Renaissance Life & Health Ins Co
    * Republic Indemnity Co Of America
    * Republic Ins Co
    * Republic Mortgage Ins Co
    * Republic Western Ins Co
    * Reserve National Ins Co
    * Residential Guaranty Co
    * Residential Ins Co Inc A RRG
    * Response Worldwide Ins Co
    * Revios Reins Canada Ltd
    * RGA Reins Co
    * Riscorp National Ins Co
    * Riverport Ins Co
    * RLI Ins Co
    * Rochdale Ins Co Of NY
    * Roche Surety And Casualty Inc
    * Royal Indemnity Co
    * Royal Neighbors Of America
    * RSUI Indemnity Co
    * Safe Auto Ins Co
    * Safeco Ins Co Of America
    * Safeco Ins Co Of IL
    * Safeco Ins Co Of IN
    * Safety First Ins Co
    * Safety National Casualty Corp
    * Sagamore Ins Co
    * Sage Life Assurance Of America Inc
    * San Francisco Reins Co
    * SCOR Life US Re Ins Co
    * SCOR Reins Co
    * Scottish Re Life Corp
    * Scottsdale Surplus Lines Ins Co
    * Seaboard Surety Co
    * Sears Life Ins Co
    * Seaton Ins Co
    * Securian Life Ins Co
    * Security Alliance Ins Co
    * Security Benefit Life Ins Co
    * Security Financial Life Ins Co
    * Security General Life Ins Co
    * Security Ins Co Of Hartford
    * Security Life Of Denver Ins Co
    * Security Mutual Life Ins Co Of NY
    * Security National Ins Co
    * Security Title Guarantee Corp of Baltimore
    * Security Union Title Ins Co
    * Select Ins Co
    * Selected Funeral & Life Ins Co
    * Selective Ins Co Of America
    * Seneca Ins Co Inc
    * Sentinel American Life Ins Co
    * Sentry Life Ins Co
    * Sentry Select Ins Co
    * Servco Life Ins Co
    * Servus Life Ins Co
    * Shelby Casualty Ins Comp
    * Shelby Ins Co
    * Shelter General Ins Co
    * Shelter Life Ins Co
    * Shenandoah Life Ins Co
    * Sierra Health & Life Ins Co Inc
    * Signature Life Ins Co Of America
    * Silver Oak Casualty Inc
    * Sirius America Ins Co
    * Smith Burial & Life Ins Co
    * Sompo Japan Ins Co of America
    * South Carolina Ins Co
    * Southern Capital Life Ins Co
    * Southern Farm Bureau Life Ins Co
    * Southern Farm Bureau Prop
    * Southern Fidelity Life Ins Co
    * Southern Fire & Casualty Co
    * Southern Guaranty Ins Co
    * Southern Ins Co
    * Southern Ins Co Of VA
    * Southern Pilot Ins Co
    * Southern Pioneer Life Ins Co
    * Southern Pioneer Prop & Casualty Ins Co
    * Southern Title Ins Corp
    * Southern-Owners Ins Co
    * Southland National Ins Corp
    * Southwestern Life Ins Co
    * St Charles Ins Co RRG
    * St Paul Fire & Marine Ins Co
    * St Paul Guardian Ins Co
    * St Paul Medical Liability Ins Co
    * St Paul Mercury Ins Co
    * St Paul Protective Ins Co
    * Standard Guaranty Ins Co
    * Standard Ins Co
    * Standard Life & Accident Ins Co
    * Standard Security Life Ins Co Of NY
    * Star Ins Co
    * Starnet Ins Co
    * State Auto National Ins Co
    * State Auto Prop & Casualty Ins Co
    * State Automobile Mutual Ins Co
    * State Farm Annuity & Life Ins Co
    * State Farm Fire And Casualty Co
    * State Farm General Ins Co
    * State Farm Life Ins Co
    * State Farm Mutual Auto Ins Co
    * State Life Ins Co
    * State Mutual Ins Co
    * States Self-Insurers RRG
    * Sterling Investors Life Ins Co
    * Sterling Life Ins Co
    * Steward RRG
    * Stewart Title Guaranty Co
    * STICO Mutual Ins Co RRG
    * Stonebridge Casualty Ins Co
    * Stonebridge Life Ins Co
    * Stonington Ins Co
    * Stratford Ins Co
    * SUA Ins Co
    * Suecia Ins Co
    * Sun Life Assurance Co Of Canada US
    * Sun Surety Ins Co
    * Sunamerica Life Ins Co
    * Sunset Life Ins Co Of America
    * Surety Bonding Co Of America
    * Surety Life Ins Co
    * Swiss Re Life & Health America Inc
    * Swiss Rein America Corp
    * Symetra Life Ins Co
    * Symetra National Life Ins Co
    * Teachers Ins Co
    * Technology Ins Co Inc
    * Templeton Funds Annuity Co
    * Terra Ins Co RRG
    * Texas General Indemnity Co
    * Texas Life Ins Co
    * Texas Pacific Indemnity Co
    * The Bar Plan Mutual Ins Co
    * Thrivent Financial For Lutherans
    * Thrivent Life Ins Co
    * TIAA CREF Life Ins Co
    * Ticor Title Ins Co
    * Ticor Title Ins Co of FL
    * TIG Indemnity Co
    * TIG Ins Co
    * Time Ins Co
    * Titan Indemnity Co
    * Titan Ins Co Inc RRG
    * Title Industry Assurance Co RRG
    * Title Ins Co Of America
    * TNUS Ins Co
    * Tokio Marine & Nichido Fire Ins Co
    * Toyota Motor Ins Co
    * Traders & General Ins Co
    * Trans Pacific Ins Co
    * Trans World Assurance Co
    * Transamerica Financial Life Ins Co
    * Transamerica Life Ins Co
    * Transamerica Occidental Life Ins Co
    * Transatlantic Rein Co
    * Transcontinental Ins Co
    * Transnation Title Ins Co
    * Transport Ins Co
    * Transportation Ins Co
    * Travco Ins Co
    * Travelers Commercial Casualty Co
    * Travelers Casualty & Surety Co
    * Travelers Casualty & Surety Co Of America
    * Travelers Casualty Co Of CT
    * Travelers Casualty Ins Co Of America
    * Travelers Commercial Ins Co
    * Travelers Home & Marine Ins Co
    * Travelers Indemnity Co
    * Travelers Indemnity Co Of America
    * Travelers Life & Annuity Co
    * Travelers Prop Casualty Ins Co
    * Travelers Property Casualty Co Of America
    * Travelers Protective Assn Of America
    * Trenwick America Reins Corp
    * Triad Guaranty Ins Corp
    * Triangle Ins Co Inc
    * Trinity Universal Ins Co
    * Trinity Universal Ins Co Of KS
    * Triton Ins Co
    * Truck Ins Exchange
    * Trumbull Ins Co
    * Trustmark Life Ins Co
    * Twin City Fire Ins Co
    * Ulico Casualty Co
    * Ullico Life Ins Co
    * Underwriter For The Professions Ins
    * Unicare Life & Health Ins Co
    * Unified Life Ins Co
    * Unimerica Ins Co
    * Union Bankers Ins Co
    * Union Central Life Ins Co
    * Union Fidelity Life Ins Co
    * Union Ins Co
    * Union Ins Co Of Providence
    * Union Labor Life Ins Co
    * Union Life Ins Co
    * Union National Fire Ins Co
    * Union National Life Ins Co
    * Union Security Ins Co
    * Union Security Life Ins Co
    * Union Standard Ins Co
    * United Concordia Ins Co
    * United Educators Ins RRG Inc
    * United Family Life Ins Co
    * United Fidelity Life Ins Co
    * United Fire & Casualty Co
    * United Fire & Indemnity Co
    * United Financial Casualty Co
    * United General Title Ins Co
    * United Guaranty Residential Ins Co
    * United Guaranty Residential Ins Co Of NC
    * United Guaranty Mtg Indemnity Co
    * United Healthcare Ins Co
    * United Home Ins Co
    * United Home Life Ins Co
    * United Ins Co Of America
    * United Investors Life Ins Co
    * United Liberty Life Ins Co
    * United Life Ins Co
    * United National Casualty Ins Co
    * United National Life Ins Co Of America
    * United National Specialty Ins Co
    * United Of Omaha Life Ins Co
    * United Security Life & Health Ins Co
    * United Services Auto Assoc
    * United States Fire Ins Co
    * United World Life Ins Co
    * Unitrin Auto & Home Ins Co
    * Unitrin Preferred Ins Co
    * Unity Financial Life Ins Co
    * Unity Mutual Life Ins Co
    * Universal Casualty Co
    * Universal Guaranty Life Ins Co
    * Universal Life Ins Co
    * Universal Surety Co
    * Universal Surety Of America
    * Unum Life Ins Co Of America
    * US Branch of Industrial Alliance Pac
    * US Branch SunLife Assurance Co Of Canada
    * US Bus of Crown Life Ins Co
    * US Bus of the Canada Life Assurance Co
    * US Fidelity & Guaranty Co
    * US Financial Life Ins Co
    * USAA General Indemnity Co
    * USAA Life Ins Co
    * USAble Life
    * Utica Mutual Ins Co
    * Utica National Life Ins Co
    * Valley Forge Ins Co
    * Valley Forge Life Ins Co
    * Vanliner Ins Co
    * VantisLife Ins Co
    * Variable Annuity Life Ins Co
    * Verex Assure Inc
    * Vesta Fire Ins Corp
    * Vesta Ins Corp
    * Veterans Life Ins Co
    * Victoria Fire & Casualty Co
    * Vigilant Ins Co
    * Virginia Surety Co Inc
    * Vision Service Plan Ins Co
    * Vista Life Ins Co
    * Voyager Property & Casualty Ins Co
    * Washington Intl Ins Co
    * Washington National Ins Co
    * Wausau Business Ins Co
    * Wellington Life Ins Co
    * Wesco Ins Co
    * West American Ins Co
    * West Coast Life Ins Co
    * Westchester Fire Ins Co
    * Western & Southern Life Ins Co
    * Western Diversified Casualty Ins Co
    * Western Pacific Mutual Ins Co RRG
    * Western Reserve Life Assurance Co of OH
    * Western Southern Life Assurance Co
    * Western Surety Co
    * Westfield Ins Co
    * Westport Ins Corp
    * Westward Life Ins Co
    * Windsor Ins Co
    * Windsor Life Ins Co
    * Womans Life Ins Society
    * Wonder State Life Ins Co
    * Woodmen World Assured Life Assn
    * Woodmen World Life Ins Soc
    * Work First Casualty Co
    * Workmens Auto Ins Co
    * World Ins Co
    * XL Capital Assurance Inc
    * XL Ins America Inc
    * XL Life Ins and Annuity Co
    * XL Specialty Ins Co
    * Yosemite Ins Co
    * Young America Ins Co
    * Zenith Ins Co
    * Znat Ins Co
    * Zurich American Ins Co
    * Zurich American Ins Co Of IL