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Main	Insurance Companies The list of the insurance companies of the U.S.

INSURANCE COMPANIES

Insurance companies may be classified into two groups:

Life insurance companies, which sell life insurance, annuities and pensions products.
Non-life, General, or Property/Casualty insurance companies, which sell other types of insurance.

General insurance companies can be further divided into these sub categories:

Standard Lines
Excess Lines

In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules. The main reason for the distinction between the two types of company is that life, annuity, and pension business is very long-term in nature coverage for life insurance or a pension can cover risks over many decades. By contrast, non-life insurance cover usually covers a shorter period, such as one year.

In the United States, Standard Line insurance companies are "main stream" insurers. These are the companies that typically insure autos, homes or businesses. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies.

Excess Line insurance companies (aka Excess and Surplus) typically insure risks not covered by the standard lines market. They are broadly referred as being all insurance placed with non-admitted insurers. Non-admitted insurers are not licensed in the states where the risks are located. These companies have more flexibility and can react faster than standard insurance companies because they are not required to file rates and forms as the "admitted" carriers do. However, they still have substantial regulatory requirements placed upon them. State laws generally require insurance placed with surplus line agents and brokers not to be available through standard licensed insurers.

Insurance companies are generally classified as either mutual or stock companies. This is more of a traditional distinction as true mutual companies are becoming rare. Mutual companies are owned by the policyholders, while stockholders (who may or may not own policies) own stock insurance companies. Other possible forms for an insurance company include reciprocals, in which policyholders 'reciprocate' in sharing risks, and Lloyds organizations.

Insurance companies are rated by various agencies such as A. M. Best. The ratings include the company's financial strength, which measures its ability to pay claims. It also rates financial instruments issued by the insurance company, such as bonds, notes, and securitization products.

Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves. A reinsurer may also be a direct writer of insurance risks as well.

Captive insurance companies may be defined as limited-purpose insurance companies established with the specific objective of financing risks emanating from their parent group or groups. This definition can sometimes be extended to include some of the risks of the parent company's customers. In short, it is an in-house self-insurance vehicle. Captives may take the form of a "pure" entity (which is a 100% subsidiary of the self-insured parent company); of a "mutual" captive (which insures the collective risks of members of an industry); and of an "association" captive (which self-insures individual risks of the members of a professional, commercial or industrial association). Captives represent commercial, economic and tax advantages to their sponsors because of the reductions in costs they help create and for the ease of insurance risk management and the flexibility for cash flows they generate. Additionally, they may provide coverage of risks which is neither available nor offered in the traditional insurance market at reasonable prices.

The types of risk that a captive can underwrite for their parents include property damage, public and product liability, professional indemnity, employee benefits, employers' liability, motor and medical aid expenses. The captive's exposure to such risks may be limited by the use of reinsurance.

Captives are becoming an increasingly important component of the risk management and risk financing strategy of their parent. This can be understood against the following background:

heavy and increasing premium costs in almost every line of coverage;
difficulties in insuring certain types of fortuitous risk;
differential coverage standards in various parts of the world;
rating structures which reflect market trends rather than individual loss experience;
insufficient credit for deductibles and/or loss control efforts.

There are also companies known as 'insurance consultants'. Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy amongst many companies. Similar to an insurance consultant, an 'insurance broker' also shops around for the best insurance policy amongst many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.

Neither insurance consultants nor insurance brokers are insurance companies and no risks are transferred to them in insurance transactions. Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies. These companies often have special expertise that the insurance companies do not have.

The financial stability and strength of an insurance company should be a major consideration when buying an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool or other arrangement with less attractive payouts for losses). A number of independent rating agencies, such as Best's, Fitch, Standard & Poor's and Moody's Investors Service, provide information and rate the financial viability of insurance companies.

BUSINESS FINANCING FOR INSURANCE COMPANIES

There are many ways in which insurance companies and insurance professionals – both new and existing – can acquire business financing without using personal credit.

One method is called commission-based lending. Commission-based lending provides business loans to insurance professionals based on the value of their renewal commissions. Business loans of this nature can be used for a variety of things like office expansion, acquisitions, debt consolidation, and succession planning.

Another method is to leverage the value of future commissions as collateral for a loan. This way, there is no need to sell your book of business, or put up personal items as collateral against the loan. Some lenders will also allow you to consolidate personal debt previously acquired for the business.

An agency acquisition allows an agent to acquire a seller’s block of business as collateral for a loan. By going this route, the new buyer/owner can minimize the use of personal funds and maximize any working capital.

Regardless of which method of funding, agency owners need to put together a strong perpetuation plan. This plan should allow a seller to achieve goals of reaping a solid return on the years they invested in the business. The plan should also demonstrate how the new agent plans to achieve his or her business goals, and enable an already profitable agency to grow under new ownership. The startup price of the agency should be inline with the industry and should be reasonable for the buyer and seller if it is an acquisition. The plan should outline a few very important details: demonstrate how the agency will be financed; demonstrate how taxes will be minimized for the seller; details of funding of the buy-sell agreement; and, how control will be passed on to the successors.

For an insurance agency or agent to guarantee that their personal assets will not be considered when seeking business financing in the form of a commercial loan, they must be incorporated with the state and registered with Dun & Bradstreet for a DUNS number.

This article takes a look at some of the key areas of change and considers the future direction of financial services regulation. Read more

LIST OF UNITED STATES INSURANCE COMPANIES

		Below is a list of insurance companies in the United States. These are companies with strong national or regional presence.

People also don't know that the law has 9 different categories of companies. These categories are not derived from the product(s) the company sells. Read more

US INSURANCE COMPANIES

		American Automobile Association American Farm Bureau Insurance Services, Inc. (AFBIS) American National Insurance Company AIG Allstate American Family Insurance American Farmers & Ranchers (AFR) Amica Auto-Owners Insurance California Casualty Group CapitalOne Commerce Insurance Group COUNTRY Financial CUNA Mutual Group Electric Insurance Company (EIC) Esurance, Inc. Expatriate Health Insurance Farmers Insurance Frankenmuth Insurance GAINSCO, Inc. GMAC Insurance Group GEICO The General Automobile Insurance Services, Inc (The General) GuideOne Insurance Hanover Insurance The Hartford Haulers Insurance Company, Inc. InfinityAuto.com Liberty Mutual Group Nationwide Insurance National Interstate Insurance Company (NIIC) Metropolitan Life Insurance Company Enumclaw Insurance Group OneBeacon Insurance Group Pekin Insurance PEMCO Mutual Insurance Company (PEMCO) Progressive Safeco Safeway Insurance Group Standard Insurance Company State Auto Insurance Companies (State Auto) Shelter Mutual Insurance Company Solid Group State Farm Mutual Automobile Insurance Company The St. Paul Travelers Companies, Inc. Unitrin Direct Auto Insurance USAA Wawanesa Mutual Insurance USA Westfield Insurance Company

'To insure is to assure', says the catch line of a prominent ad of an insurance company. Read more

MUTUAL INSURANCE

		American Family Insurance Amica Boston Mutual Life Insurance Company CAMICO Mutual Insurance Company COUNTRY Financial CUNA Mutual Group FM Global Guardian Life Illinois Mutual Life Insurance Company Liberty Mutual Group Massachusetts Mutual Life Insurance Company (MassMutual) MiddleOak Missouri Employers Mutual Insurance (MEM) Mutual Trust Financial Group Mutual of America Life Insurance Company (Mutual of America) Mutual of Omaha Insurance Company Nationwide Mutual Insurance Company New York Life Insurance Company North Carolina Mutual Life Insurance Company Northwestern Mutual Financial Network (NMFN) PEMCO Mutual Insurance Company (PEMCO) Penn Mutual Physicians Mutual SBLI USA Mutual Life Insurance Company, Inc. Security Mutual Life Insurance Company of New York Sentry Insurance Shelter Mutual Insurance Company State Farm Insurance Western & Southern Financial Group

In some lines of insurance, one additional type of service is important: engineering and loss prevention. The quality of engineering service varies from company to company. Read more

LIFE INSURANCE

		Western United Life Assurance Company AAA Life Insurance Company Aetna American General Life Companies (American General) American General Life Companies Alfa Mutual Insurance Company Allstate Insurance Company American Family Insurance American Farmers & Ranchers (AFR) American International Group, Inc.(AIG) American National Insurance Company Aon Corporation Auto-Owners Insurance AXA Group Bankers Life and Casualty Company The Chesapeake Life Insurance Company American Farm Bureau Insurance Services, Inc. (AFBIS) Farmers Insurance First United American Life Insurance Company Foresters Garden State Life Insurance Company Globe Life and Accident Insurance Company Guardian Life Insurance Company Jackson National Life Insurance Company John Hancock Insurance The Hartford Transamerica Occidental Insurance Company Kansas City Life Insurance Company, Inc. Lafayette Life Insurance Company Liberty National Life Insurance Company Mass Mutual Financial Group West Bend Mutual Insurance Company MEGA Life and Health Insurance Company (MEGA) Metropolitan Life Insurance Company Minnesota Life Insurance Company Modern Woodmen of America Nationwide Insurance New York Life Northwestern Mutual Life Insurance Company Old Mutual Pacific Life Insurance Primerica Financial Services Principal Financial Group Protective Life Corporation Prudential Financial Royal Bank of Canada (RBC) Sagicor Life Insurance Company Shenandoah Life Insurance Company The Standard Shelter Life Insurance Company State Farm Insurance Thrivent Financial for Lutherans Torchmark Corporation Travelers Group USAA West Coast Life Insurance Company Western & Southern Financial Group Western Reserve Life (WRL) West Coast Equine Insurance Services

Insurance is a contract in which an insurance company guarantees a specific amount of money to assign beneficiary upon the death of the policy holder. Read more

HEALTH INSURANCE

		American National Insurance Company Aetna Aflac American Family Insurance American Medical Security Life Insurance Company (AMS) Anthem BlueCross BlueShield (BCBS) Assurant Asuris Northwest Health Blue Cross and Blue Shield Association (BCBSA) Celtic Insurance Company (CIC) CIGNA Community First Health Plans Continental General Insurance Company (CGI) CVS Caremark Fortis Golden Rule Insurance Company Group Health, Inc. (GHI) Group Health Cooperative Harvard Pilgrim Health Care, Inc. HealthMarkets Health Net HealthPartners Health Plan of Nevada, Inc. (HPN) Humana, Inc. Insurance Services of America (ISA) Intermountain Health Care Kaiser Permanente LifeWise Health Plan of Arizona LifeWise Health Plan of Oregon LifeWise Health Plan of Washington Medica Medical Mutual of Ohio Oxford Health Plans, LLC Principal Financial Group Shelter Mutual Insurance Company UniCare UnitedHealthCare Pacificare Vista Health Plans WellPoint, Inc. Comprehensive Behavioral Health Management (CBHM) Wells Fargo Insurance Services, Inc.

Health Insurance Companies are commercial organizations that secure the health of many hard working people around the world. Read more

PROPERTY AND CASUALTY INSURANCE

		ACE USA ACUITY Insurance Allstate Alfa Mutual Insurance Company American Family Insurance American Farm Bureau Insurance Services, Inc. (AFBIS) American International Group Assurant Argo Group US Auto-Owners Insurance BISYS Commercial Insurance Services Bliss & Glennon, Inc. Chubb Corporation Church Mutual Insurance Company Cincinnati Financial Corporation Commerce Insurance Group CNA Financial Corporation Farmers Insurance Fireman's Fund Insurance Company FM Global Frankenmuth Insurance Great American Insurance Company Hanover Insurance The Hartford Home Insurance.com, LLC InfinityAuto.com Liberty Mutual Group Manulife Financial Markel Corporation Nationwide Insurance NLC Insurance Companies OneBeacon Insurance Group Penn National Insurance Philadelphia Insurance Companies (PHLY) The St. Paul Travelers Companies, Inc. Safeway Insurance Group SECURA Insurance Sentry Insurance Shelter Mutual Insurance Company State Auto Insurance Companies (State Auto) State Farm Insurance Southern Farm Bureau Life Insurance Company (SFBLIC) Union Standard Insurance Group United Automobile Insurance Company (UAIC) United Auto Insurance USAA West Bend Mutual Insurance Company Westfield Insurance Company Zenith Insurance Company Zurich Insurance Services, Inc. (ZIS) Island Insurance Company, Ltd The Phoenix Group

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. Read more

AVTO INSURANCE

		Amica Mutual American Automobile Association (AAA) AIG AllState ComparisonMarket Insurance Agency Electric Insurance Company Erie Insurance Company (ERIE) Esurance, Inc. GEICO GMAC Insurance Group Hagerty Insurance Agency Mercury General Group National Motor Club of America, Inc. (NMC) Nationwide Insurance Progressive Safeco State Auto Insurance Companies (State Auto) State Farm Mutual Automobile Insurance Company The Hartford 21st Century Insurance

People often ask how car insurance companies determine what rates to charge. Many factors determine what premium rate. Read more

PET INSURANCE

		ASPCA Pet Health Insurance Petshealth Care Plan Hartville Group, Inc. Hartville Pet Health Insurance PetCare Pet Insurance Programs National Pet Insurance Pets Best Insurance Services Veterinary Pet Insurance (VPI) Pethealth, Inc. Embrace Pet Insurance Petplan Pet Insurance PetFirst Healthcare Trupanion Pet Insurance

In a time when there seems to be almost constant talk about the issues surrounding health care coverage for families in the United States, there is an insurance product that is often overlooked. Read more

TRAVEL INSURANCE

		American Automobile Association (AAA) American Family Insurance Community Insurance Agency, Inc. (CIA) Squaremouth, Inc. Travel Guard USI Affinity Travel Insurance Services Travel Insured International, Inc. Total Travel Insurance

Travel insurance is necessary for your vacation packages and without it all your travel dreams cannot come true. Read more

DISABILITY INSURANCE

		American Family Insurance Mutual of America Life Insurance Company (Mutual of America) Principal Financial Group Standard Insurance Company Unum Berkshire Life Insurance Company of America MetLife

WORKERS' COMPENSATION

		ACE USA Amerisafe, Inc. Liberty Mutual Group Missouri Employers Mutual Insurance (MEM) Penn National Insurance SAIF Corp. State Compensation Insurance Fund (SCIF or State Fund) Zenith Insurance Company

RENTER INSURANCE

		American Family Insurance Assurant Balboa Insurance Group State Farm Insurance

GENERAL LIABILITY INSURANCE

		American Family Insurance

EXPATRIATE INSURANCE

		Clements International

DEMUTUALIZED INSURANCE

		John Hancock Mutual Life Metropolitan Life Insurance Company MONY Principal Financial Group Prudential Financial

TOP FASTEST GROWTH 49 U.S. INSURANCE COMPANIES

These insurance companies had the fastest growth for 2008.

Rank	Company	City, State	Revenue ($million)	Growth (%)
1	Senior Whole Health	Cambridge, MA	147.4	31525.40
2	Integrity Capital Partners	Bethesda, MD	11.4	1454.60
3	Ovation Health & Life Services	Dallas, TX	3.3	1147.00
4	Affordable Health Insurance	Arlington Heights, IL	6.0	1100.00
5	ACI Estate	Doylestown, PA	11.6	851.90
6	Brightway Insurance	Jacksonville, FL	3.6	553.10
7	Prime Insurance Agency	Lakewood, NJ	4.5	542.90
8	Gateway Management Services	Winston Salem, NC	13.0	526.10
9	AdminServer	Chester, PA	40.9	431.60
10	OCG & Associates	Coral Gables, FL	4.2	423.00
11	FirstComp	Omaha, NE	270.9	321.80
12	LTC Financial Partners	Kirkland, WA	16.4	280.90
13	JW Surety Bonds	Pipersville, PA	2.3	263.30
14	Digital Insurance	Atlanta, GA	13.6	247.40
15	Lyons Companies	Wilmington, DE	14.2	203.50
16	EFinancial	Bellevue, WA	10.7	188.40
17	PuroSystems	Tamarac, FL	6.8	185.30
18	Monument	Malvern, PA	4.3	159.40
19	The Barbour Group	Westminster, MD	2.5	157.60
20	Techbarn.com	Stillwater, MN	2.8	157.40
21	Community Financial Insurance Center	Monroe, LA	6.7	155.60
22	Lockton	Kansas City, MO	727.7	140.00
23	Home Warranty of America	Lincolnshire, IL	20.6	124.00
24	Senior Market Sales	Omaha, NE	9.1	109.80
25	North American Professional Liability Insurance Agency	Framingham, MA	2.3	103.90
26	Gramercy Insurance Company	Atlanta, GA	18.0	103.10
27	Sircon Corporation	Okemos, MI	21.7	100.30
28	Barhorst Insurance Group	Houston, TX	38.8	99.50
29	Unity Financial Life Insurance	Cincinnati, OH	36.3	92.30
30	Sinclair Insurance Group	Wallingford, CT	13.8	88.30
31	Duncan, Fraser & Bridges Insurance Agency	Pampa, TX	4.2	85.00
32	Insurance Office of America	Longwood, FL	77.1	79.10
33	Neace Lukens	Louisville, KY	74.0	75.40
34	Beacon Hill Associates	Charlottesville, VA	2.1	64.80
35	Maloy Risk Services	Princeton, NJ	2.9	64.30
36	Independent Care Health Plan	Milwaukee, WI	91.7	63.20
37	Bankers Insurance	Glen Allen, VA	20.8	62.40
38	Dean & Draper Insurance Agency	Houston, TX	11.8	62.60
39	FinCor Holdings	Lansing, MI	97.2	62.30
40	Ace Underwriting Group	Plantation, FL	8.5	59.90
41	The Benecon Group	Leola, PA	15.2	58.20
42	Senn Dunn Insurance	Greensboro, NC	19.8	53.00
43	Omega Administrators	Sherwood, AR	273.9	49.70
44	International Fidelity Insurance	Newark, NJ	114.0	47.60
45	McGraw Wentworth	Troy, MI	10.9	45.90
46	Assurance Agency	Schaumburg, IL	35.6	44.30
47	SIA Group	Jacksonville, NC	13.6	44.30
48	Thomas Rutherfoord	Roanoke, VA	65.6	41.40
49	ScripNet	Las Vegas, NV	30.0	41.30

TOP 225 U.S. INSURANCE COMPANIES

The list for 2006.

Rank	Company	Sales
1	Berkshire Hathaway Inc.	$85,900,000,000
2	General Electric Capital Corp	$59,347,000,000
3	Metropolitan Life Insurance Co	$39,014,000,000
4	Unitedhealth Group	$37,218,000,000
5	Medco Health Solutions Inc.	$35,351,900,000
6	State Farm Mutl Auto Insur Co	$32,409,478,000
7	American Express Company	$29,115,000,000
8	Prudential Financial Inc.	$28,348,000,000
9	Caremark Inc	$25,801,121,000
10	Caremark International Inc	$25,800,000,000
11	American International Group	$22,093,100,000
12	Merrill Lynch & Co., Inc.	$22,023,000,000
13	Allstate Insurance Company	$21,906,569,000
14	Wellpoint Inc	$20,460,900,000
15	Deere & Company	$19,986,100,000
16	Liberty Mutual Holding Company	$19,641,000,000
17	Cigna Corporation	$18,176,000,000
18	New York Life Insurance Co	$17,846,756,000
19	Northwestern Mutl Lf Insur Co	$17,310,000,000
20	Massachusetts Mutl Lf Insur Co	$16,648,611,000
21	Hsbc Finance Corporation	$16,018,000,000
22	Hartford Casualty Insurance Co	$15,907,000,000
23	Loews Corporation	$15,242,300,000
24	Progressive Corporation	$13,782,100,000
25	AFLAC Incorporated	$13,281,000,000
26	Chubb Corporation	$13,177,200,000
27	Humana Inc.	$13,104,325,000
28	John Hancock Life Insur Co USA	$12,708,720,000
29	Pacificare Health Systems Inc	$12,276,804,000
30	Marsh & McLennan Companies Inc	$12,159,000,000
31	Hartford Lf & Annuity Insur Co	$12,149,192,000
32	American Fmly Lf Asrn Columbus	$11,828,150,000
33	Blue Cross of California	$11,808,600,000
34	U.S. Bancorp Insurance Svcs	$11,768,200,000
35	Lincoln National Life Insur Co	$11,701,102,000
36	GE Global Insurance Holdg Corp	$11,621,000,000
37	Pacific Life Insurance Company	$11,529,625,000
38	Hartford Life, Inc	$11,360,000,000
39	Genworth Financial Inc	$11,057,000,000
40	UnumProvident Corp	$10,464,900,000
41	State Farm Fire & Casualty Co	$10,363,906,000
42	AON Corporation	$10,172,000,000
43	C N A Insurance Companies	$9,930,000,000
44	CNA Financial Corporation	$9,930,000,000
45	J.C. Penney Corporation, Inc.	$9,866,700,000
46	Health Care Service Corp	$9,809,200,000
47	Principal Life Insurance Co	$9,778,962,000
48	Navistar International Corp	$9,724,000,000
49	New York Life Insur & Annuity	$9,656,627,000
50	Axa Financial Inc.	$9,644,500,000
51	Highmark Inc.	$9,118,355,000
52	United Healthcare Insurance Co	$8,653,376,000
53	Lmhc Massachusetts Holdings	$8,646,400,000
54	Compensation Insurance	$8,489,479,000
55	Independence Blue Cross	$8,451,801,000
56	Principal Financial Group Inc	$8,303,700,000
57	Fidelity National Fincl Inc	$8,296,002,000
58	Cigna Holdings Inc	$8,047,300,000
59	Blue Cross and Blue Shield MI	$8,044,200,000
60	Guardian Life Insur Co of Amer	$7,690,000,000
61	Assurant Inc.	$7,403,464,000
62	Axa Equitable Life Insur Co	$7,402,500,000
63	John Hancock Life Insurance Co	$7,306,100,000
64	Travelers Property Cslty Corp	$7,253,600,000
65	Blue Shield of California	$6,956,035,000
66	California Physicians Service	$6,956,035,000
67	National Union Fire Insurance	$6,909,652,000
68	American Home Assurance Co	$6,823,051,000
69	First American Corporation	$6,722,326,000
70	BB&T Corporation	$6,665,966,000
71	Continental Casualty Company	$6,644,716,000
72	Blue Cross Blue Shield of Fla	$6,617,000,000
73	Travelers Insur Group Holdings	$6,531,100,000
74	Liberty Mutual Insurance Co	$6,449,237,000
75	Hsbc North America Holdings	$6,438,100,000
76	Safeco Corporation	$6,195,400,000
77	Transamerica Life Insurance Co	$5,903,298,000
78	Wellchoice Inc	$5,826,983,000
79	American Family Mutl Insur Co	$5,786,962,000
80	State Farm Life Insurance Co	$5,685,907,000
81	Hartford Life Insurance Co	$5,675,000,000
82	Allianz Life Insur Co N Amer	$5,610,759,000
83	Horizon Healthcare Services	$5,504,176,000
84	United Services Auto Assn	$5,467,600,000
85	Lincoln National Corporation	$5,371,274,000
86	Pruco Inc	$5,189,300,000
87	Aegon US Holding Corporation	$5,061,200,000
88	Government Employees Insur Co	$5,035,045,000
89	St Paul Fire & Marine Insur Co	$4,985,253,000
90	Transmrica Occidental Lf Insur	$4,969,650,000
91	Blue Cross Blue Shield of Mass	$4,927,604,000
92	Federal Insurance Company	$4,847,933,000
93	Allstate Life Insurance Co	$4,847,000,000
94	Farmers Insurance Exchange	$4,817,436,000
95	W. R. Berkley Corporation	$4,512,235,000
96	Reliastar Life Insurance Co	$4,492,548,000
97	Thrivent Fincl For Lutherans	$4,469,000,000
98	Conseco Inc	$4,418,300,000
99	Progressive Casualty Insur Co	$4,374,680,000
100	Geico Corporation	$4,324,200,000
101	Monumental Life Insurance Co	$4,221,098,000
102	Nationwide Financial Services	$4,180,200,000
103	Nationwide Mutual Insurance Co	$4,180,000,000
104	American General Life Insur Co	$4,156,168,000
105	Jefferson-Pilot Corporation	$4,102,000,000
106	Allstate Indemnity Co	$4,094,161,000
107	Reinsurance Group America Inc	$4,038,919,000
108	AON Group, Inc	$4,036,200,000
109	Transamerica Lf Insur Annuity	$4,013,098,000
110	Transatlantic Holdings, Inc	$3,990,057,000
111	American Financial Group Inc.	$3,906,265,000
112	Cincinnati Financial Corp	$3,614,000,000
113	Workers Compensation Ohio Bur	$3,584,192,000
114	Royal Group Inc	$3,580,798,000
115	Illinois Mncpl Retirement Fund	$3,572,620,000
116	Allianz of America, Inc	$3,554,200,000
117	Landamerica Financial Group	$3,522,100,000
118	UNUM Life Insurance Co Amer	$3,497,050,000
119	Empire Healthchoice Assurance,	$3,452,171,000
120	Kiewit Construction Group Inc	$3,375,000,000
121	First Amercn Title Insur Texas	$3,355,339,000
122	Old Republic Intl Corp	$3,285,800,000
123	Nationwide Life Insurance Co	$3,269,500,000
124	Ameriprise Financial Inc	$3,212,000,000
125	Hartford Fire Insurance Co	$3,186,529,000
126	Everest Rnsurance Holdings Inc	$3,141,642,000
127	IDS Life Insurance Company	$3,141,345,000
128	Allmerica Fncl Lf Insur Annity	$3,112,211,000
129	Hanover Insurance Group Inc	$3,111,000,000
130	Aegon USA Inc	$3,083,500,000
131	Torchmark Corp	$3,071,500,000
132	Unitrin, Inc.	$3,040,800,000
133	Jefferson-Pilot Life Insur Co	$3,019,027,000
134	Hartford Lf Accident Insur Co	$2,992,192,000
135	Premera Blue Cross	$2,990,780,000
136	Carefirst of Maryland, Inc	$2,987,648,000
137	Metropltan Prperty Cslty Insur	$2,957,511,000
138	Firemans Fund Insurance Co	$2,919,523,000
139	Jefferson Pilot Fincl Insur NC	$2,892,250,000
140	Group Hospitalization Med Svcs	$2,787,684,000
141	Auto-Owners Insurance Company	$2,785,692,000
142	Farmers Group Inc	$2,765,877,000
143	Fidelity Guaranty Lf Insur Co	$2,734,450,000
144	National Indemnity Company	$2,702,241,000
145	American National Insurance Co	$2,684,506,000
146	Intermountain Health Care Inc	$2,683,100,000
147	Bankers Life & Casualty Co	$2,680,444,000
148	Travelers Indemnity Company	$2,673,330,000
149	Mercury General Corporation	$2,668,157,000
150	Life RE Corporation	$2,664,423,000
151	Onebeacon Insurance Group LLC	$2,640,675,000
152	National Heritage Insurance Co	$2,635,197,000
153	John Hancock Financial Svcs	$2,599,100,000
154	Great-West Lf Annuity Insur Co	$2,580,158,000
155	GWL&a Financial Inc	$2,578,861,000
156	SunAmerica Life Insurance Co	$2,571,293,000
157	Marsh USA Inc	$2,567,800,000
158	Transportation Insurance Co	$2,547,300,000
159	A G Edwards Inc	$2,525,676,000
160	Hartford Accident Indemnity Co	$2,510,064,000
161	Humana Insurance Company	$2,490,956,000
162	Anthem Hlth Plans of Virginia	$2,476,490,000
163	Regence Blcross Blueshield Ore	$2,468,614,000
164	American General Finance Inc	$2,459,162,000
165	Ing Americas	$2,458,593,000
166	Hartford Holdings Inc	$2,448,500,000
167	AON Consulting Worldwide, Inc	$2,448,200,000
168	Chicago Title Insurance Co MO	$2,431,922,000
169	Factory Mutual Insurance Co	$2,422,004,000
170	Geico General Insurance Co	$2,403,200,000
171	Aiu Insurance Company	$2,381,497,000
172	Delta Dental Plan California	$2,373,932,000
173	Bluecross Blueshield of Tenn	$2,338,496,000
174	Excellus Health Plan, Inc	$2,336,300,000
175	Blue Cross Blue Shield of Ala*	$2,319,996,000
176	American United Life Insur Co	$2,313,294,000
177	Royal Insurance Company Amer	$2,284,900,000
178	First Colony Life Insurance Co	$2,278,601,000
179	Markel Corporation	$2,262,058,000
180	USAA Casualty Insurance Co	$2,244,680,000
181	Jefferson Pilot Fincl Insur Ne	$2,239,405,000
182	Continental Corporation	$2,235,100,000
183	Sentry Insurance A Mutual Co	$2,213,342,000
184	Humana Health Plan, Inc	$2,199,657,000
185	Stewart Information Svcs Corp	$2,182,859,000
186	Stewart Title Guaranty Company	$2,182,859,000
187	Stancorp Financial Group Inc	$2,149,700,000
188	Standard Insurance Company	$2,149,700,000
189	Provident Lf Accident Insur Co	$2,139,419,000
190	Transamerica Corporation	$2,121,600,000
191	Assurant Employee Benefits	$2,096,716,000
192	Minnesota Life Insurance Co	$2,093,664,000
193	Phoenix Life Insurance Company	$2,091,891,000
194	Aetna Health Inc (nj)	$2,085,458,000
195	Healthnow New York, Inc	$2,062,108,000
196	Uici	$2,057,906,000
197	GE Financial Asrn Holdings	$2,039,900,000
198	MBIA Inc	$2,011,357,000
199	Protective Life Corporation	$1,988,575,000
200	Group Health Co-Operative,	$1,966,092,000
201	Mutual Omaha Insurance Company	$1,921,163,000
202	Hillenbrand Industries Inc.	$1,829,000,000
203	Trinity Universal Insurance Co	$1,819,550,000
204	Protective Life Insurance Co	$1,816,660,000
205	Unigroup Inc	$1,809,013,000
206	Commerce Group Inc.	$1,806,571,000
207	Federal Deposit Insurance Corp	$1,795,885,000
208	American Re-Insurance Company	$1,779,479,000
209	Government Employees Hosp Assn	$1,751,372,000
210	John Hancock Variable Lf Insur	$1,694,895,000
211	Capital Blue Cross	$1,674,963,000
212	Ing USA Annuity & Lf Insur Co	$1,673,800,000
213	Ohio Casualty Corporation	$1,671,000,000
214	Zurich Holding Co of Amer Del	$1,631,600,000
215	Safeco Insurance Co of Amer	$1,617,578,000
216	Amerus Group Co.	$1,615,116,000
217	Amerus Life Insurance Co	$1,615,116,000
218	Mgic Investment Corporation	$1,612,693,000
219	Mortgage Guaranty Insur Corp	$1,612,693,000
220	American Gen Lf Accident Insur	$1,600,101,000
221	Internsurance Exch of Auto CLB	$1,590,780,000
222	Royal & Sunalliance USA Inc	$1,584,471,000
223	Louisiana Hlth Svc Indemnity	$1,583,949,000
224	Selective Insurance Co Amer	$1,571,536,000
225	Selective Insurance Group Inc	$1,571,536,000