Thursday, April 3, 2008

about AIG

American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo.

about Unitrin Direct

The Right Choice is Simple®

Unitrin Direct is dedicated to simplifying auto insurance with the right balance of competitive rates, stability and service.

Learn more about us, our executive management and our parent company under Quick Facts. In addition to Quick Facts, you can find recent press releases under News, exciting employment opportunities under Careers and website partnering opportunities under Affiliate Information. We want to hear from you! Click the Contact Us link to ask questions or submit feedback.
The Right Price.
Unitrin Direct has very competitive pricing. Our direct-to-consumer channel of distribution and streamlined marketing efforts allow us to offer customers lower rates. While actual savings vary by state, coverage levels and driver ratings, our goal is to provide customers a savings of 20% or more on auto insurance when they switch to Unitrin Direct.
The Right Protection.
Price is often the first thing consumers look at when shopping for auto insurance, but it’s just as important to trust the company you choose. Unitrin Direct is a subsidiary of Unitrin Inc. (NYSE:UTR) and part of a family of companies that has six million policyholders and $9 billion in assets. The Unitrin Property and Casualty Insurance Group is rated “A” (excellent) by A.M. Best Company, a leading provider of financial information for the global insurance industry. With Unitrin Direct, customers know they have protection they can count on.
The Right Choice.
True value strikes a balance between price, stability and service. Unitrin Direct delivers on all three. Customer care has always been a priority for us. From our friendly customer service professionals to our knowledgeable, licensed agents to our efficient and dedicated claims representative, we have an unwavering commitment to helping our customers when they need us. When it comes to a real value in automobile insurance, the right choice is simple™.

about Travelers

In business for over 150 years, Travelers has been an industry leader from the start. We issued the first auto policy in 1897 and continue to lead the way with innovative insurance products, first class service and industry-leading technology.

1853 Alexander Wilkin and 16 fellow Saint Paul, MN businessmen found St. Paul Fire & Marine Insurance Company.
1864 J.G. Batterson and nine others form The Travelers Insurance Company "for the purpose of insuring travelers against loss of life or personal injury while journeying by railway or steamboat."
1897 Issued the first automobile insurance policy.
1903 Opened the first school to train insurance agents.
1904 Organized the first corps of safety engineers.
1907 Organized to write property coverages.
1912 Offered first combination auto policy.
1936 Launched a drivers' education program.
1953 Developed the first automobile simulator for driver education purposes.
1956 Installed first computer, an IBM 650.
1956 First insurer to establish its own weather research center.
1966 Held first transcontinental conference call.
1968 Set up the first employee-staffed claim "hot lines."
1971 Established the first insurance office of consumer information to answer customers' questions about their policies.
1980 Developed the first interactive company/agency computer system.
1996 Developed the first automated fraud detection system as a potent new weapon in the battle against insurance fraud.
1997 Launched the first insurance policy to protect individuals using personal computers for online banking.
1997 After Hurricane Andrew, the company developed the industry’s first catastrophe response vehicles, self-contained claim offices on wheels.
Over the last several years, Travelers leveraged technological advancements to improve Ease of doing business for agents. Industry leading innovations include:
  • Real-time quoting capability enabling single-entry, multiple-carrier interface
  • ATLAS3, a browser-based system allowing agents to quote and issue policies over the Internet
  • TRAVGlass, the industry’s first Internet-based auto glass claim solution
2003 Launched, allowing customers to pay their bill, check claim status, and view policy information online.
2004 The Saint Paul and Travelers Property Casualty merge to form St. Paul Travelers, creating a new company with 285 years combined experience in managing risk with integrity, innovation and discipline.
2007 Company consolidates under Travelers name and re-acquires famous red umbrella icon as its logo. Click here to view the print ads.

about Safeway

For 40 years, the Safeway Insurance Group has provided automobile insurance to drivers in various states across the country. Our organization is based in Westmont, Illinois, located in suburban Chicago, and maintains field offices in those states that we serve. We began in 1962 by offering insurance coverage, as we still do, in the greater Chicago metro area, but have expanded through time to operate primarily in the southern United States. Today, Safeway operates seven insurance companies within the Group and offers insurance coverage in nine states that include Alabama, Arizona, California, Florida, Georgia, Illinois, Louisiana, Mississippi and Texas. The Safeway Insurance Group, since inception, has been under the leadership of William J. Parrillo who continues to guide the organization as Board Chairman and President. Robert M. Bordeman, Chief Executive Officer, leads the management of the organization. In total, the Group is staffed by over 400 insurance professionals and has partnered with over 2400 independent agents to serve our customers.

During our existence, the Safeway Insurance Group has demonstrated time and again our commitment to the insurance markets that we serve. Our longevity is testimony to the discipline employed in providing insurance coverage that is both affordably priced and promptly serviced. Currently, over 250,000 policyholders rely on Safeway for their insurance needs. As an insurance entity, the companies within the Safeway Insurance Group are reviewed and rated by industry analysts. The A.M. Best Company, the most respected independent insurance industry analyst, rates the Safeway Insurance Group as "Excellent". We welcome your inquiry of the Safeway Insurance Group and stand ready to be of assistance as needed.

about Enumclaw Insurance

In 1898 a group of Enumclaw, Washington residents got together to create the Farmers’ Mutual Insurance Company. The articles of incorporation stated that the purpose of the organization was “to insure farm and village buildings and personal property against loss by fire and lightning.” Funding was provided by assessment of the members to restore property after catastrophic loss. During the next 45 years, the company slowly expanded its insurance writings. In 1943, extended coverage perils were added to the fire and lightening coverage previously provided. In 1947 the company began to write non-farm properties. A year later casualty insurance was added to the portfolio of offerings putting Farmers’ Mutual Insurance Company on an equal footing with other companies for the first time.

In 1952 the states of Oregon and Idaho were added to the service area. At this point the company was writing approximately $2 million in premiums. Ten years later Farmers’ Mutual merged with the Butteville Insurance Company of Woodburn, Oregon which brought total writings to $5 million. The company also began writing commercial insurance in 1963. On May 1, 1966, the name of the company was changed to Mutual of Enumclaw Insurance Company. Growth continued through the years and in the summer of 2002, the company expanded to Utah. Enumclaw Property and Casualty Insurance Company was launched in Washington in December 2002 as a wholly owned subsidiary of Mutual of Enumclaw Insurance Company. The new company was established to facilitate new marketing opportunities in both personal and commercial lines of insurance. As of December 31, 2007, Enumclaw Property and Casualty had more than $27 million in written premiums while Mutual of Enumclaw Insurance Company’s written premiums totaled more than $294 million.

about Nationwide

At Nationwide®, we're working hard every day to meet the insurance and financial needs of our customers, at every stage of life. Whatever happens. You can count on it. With more than $157 billion in statutory assets, Nationwide is one of the largest insurance and financial services companies in the world. We offer a full range of insurance products and financial services for your home, car, family and financial security.

We support diversity and inclusion. Our workforce and business practices reflect this. Our associates have a variety of skills, experiences and backgrounds much like our customers. We understand you, because we are you. And that makes it easier for us to provide you with the insurance products and financial services you value.

about Liberty Mutual

Since 1912, we at Liberty Mutual have committed ourselves to providing broad, useful and competitively-priced insurance products and services to meet our customer’s ever-changing needs.
Our delivery on this commitment is the reason we’re now the 6th largest P&C insurance company in the United States, why we’ve earned an A.M. Best Co. ‘A’ (Excellent) rating, and why we have the breadth, depth and financial strength that you can always depend on - in the United States and around the world.

about The Hartford

Founded in 1810, The Hartford Financial Services Group, Inc. (NYSE: HIG) is one of the largest investment and insurance companies based in the United States, with offices in Japan, Brazil, Ireland, England, Canada, and the United States. With 31,000 employees and $2.9 billion in net income in 2007, The Hartford was ranked 82nd on the 2007 Fortune 100 list. The Hartford is a leading provider of investment products – annuities, mutual funds, college savings plans – as well as life insurance, group and employee benefits, automobile and homeowners' insurance, and business insurance.

The Hartford serves millions of customers worldwide – including individuals, institutions, and businesses – through independent agents and brokers, financial institutions, and online. About 11,000 independent agencies and more than 100,000 registered broker/dealers sell The Hartford's trusted products. After nearly 200 years in business, The Hartford is known for its financial strength and stability, superior customer service, and continued operational excellence.

about Farmers

Farmers Insurance Group of Companies is based in Los Angeles, California, and operates in 41 states across the country through the efforts of approximately 18,000 employees. Our agents, independent contractors and independent agents, along with Farmers employees, are responsible for servicing more than 15 million customers. Farmers Group, Inc., is a provider of insurance management services and a holding company. Acting under the dba Farmers Underwriters Association, and with its wholly-owned subsidiaries, Truck Underwriters Association and Fire Underwriters Association, they act as the attorneys-in-fact for three reciprocals or inter-insurance exchanges - Farmers Insurance Exchange, Truck Insurance Exchange and Fire Insurance Exchange. The management company is not, however, an owner of these insurers. In addition, Farmers Group, Inc., is a life insurance holding company of the Farmers New World Life Insurance Company.

Foremost Insurance Company, located in Michigan, was acquired in March 2000. It leads the industry in insuring specialty products such as mobile homes, motor homes, travel trailers and specialty dwellings. Farmers New World Life Insurance Company, headquartered in Mercer Island, Washington, offers a wide range of products from a fully flexible universal life product to traditional term and whole life plans and annuities marketed by Farmers agents.

about Esurance

Innovation is our foundation.
Because the Internet is so prevalent now, it's hard to imagine a time when offering car insurance online was an innovative idea. But just think back a few years and you’ll probably remember waiting for your agent’s office to open, playing phone-tag, filling out piles of paperwork, and having to wait days (if not weeks) to get your insurance card. Maybe you're still buying car insurance this way. We're here to show you that there's a better, hassle-free way to buy and manage your car insurance. In fact, making car insurance better for all of our customers inspires our work here. Each and every day, we're dedicated to improving the entire car insurance process from quote to claim. Find out more about Esurance:
*Who We Are
From humble beginnings, Esurance has quickly become one of the fastest growing auto insurance companies in the country.
*What We Do
Esurance doesn’t just offer reliable insurance coverage, we also believe in educating consumers.
*What We Value
Our success stems from a commitment to our Mission Statement and Core Values.
*Who Our Leaders Are
Our management helps drive our success. Get to know our executive committee.
*Why You Can Count on Us
With strong financial backing and a commitment to online security, our customers know they can trust their coverage.
*What Our Customers Say
We think that one of the best ways for folks to learn more about our company is directly from our visitors and policyholders.
*What Organizations Say
Our hard work is paying off. Learn about the awards & recognition Esurance has received so far.

about Amica

In 1907, a Rhode Island businessman named A.T. Vigneron anticipated that horseless carriages were going to revolutionize American society. He founded a small auto insurance company in Providence with two founding principles: The firm would seek out responsible policyholders, and it would treat them with respect by providing the best customer service possible. With that, the Automobile Mutual Insurance Company of America – or Amica – was born. Like the automotive industry, the company grew steadily and so did the need for broader insurance coverage for its policyholders. A sister company, Factory Mutual Liability Insurance Company of America, was organized and began operating in 1921. The two companies would continue to work side by side for more than 50 years, until they merged in 1973.

From the start, the companies' mutual insurance model created a different kind of workplace. The focus at Amica was on policyholders and their interests, not stockholders. New employees were quickly trained in the "Amica way" of providing efficient and respectful service. In addition, policyholders received dividends, which were first declared in 1908 and have been paid on most policies every year since. The companies' sound and conservative investment policies kept them grounded during the stock market crash of 1929 and the depression years that followed. In fact, gratifying gains were made even during those difficult years, especially in the increasing number of policyholders.

These growing pains prompted several changes: adding a branch office system in the 1940s, issuing homeowners coverage in the mid-1950s, and later expanding to marine and personal umbrella liability coverages. In 1968, Amica Life Insurance Company was founded and became a wholly owned Amica Mutual subsidiary. Incorporated to provide policyholders with a trusted source for their life insurance needs, Amica Life continues to thrive in the competitive life insurance field and offers a full range of services. During the last 30 years, several additional companies were created to address the insurance needs of our growing customer base. Amica Lloyd's of Texas; Amica Property and Casualty Company, Inc.; The Amica General Agency, Inc.; and The Amica General Insurance Agency of California, Inc. all contribute to meeting our customers' needs. Today, Amica is the oldest mutual insurer of automobiles in the United States and has more than 3,000 employees in offices countrywide. With a century of experience behind us, Amica and its generations of employees are committed to the rock-solid foundation of our success: exceptional service to policyholders.

about American Family Insurance

The American Family Insurance history is a remarkable story that started with a single idea. A struggling insurance salesman named Herman Wittwer believed a company could make money selling auto insurance to Wisconsin farmers. Herman understood that farmers presented lower risks compared to city drivers because they drove less often and put their cars up on blocks for the winter. Armed with this customer knowledge, Herman confidently opened the doors of Farmers Mutual Automobile Insurance Company on Oct. 3, 1927.

Over the years, our market grew from rural areas to small towns, suburbs and metropolitan areas. Our customers' needs also changed, and we changed right along with them by expanding our products and services. Our company's name changed in 1963 to American Family Mutual Insurance Company to reflect a broader customer base.

American Family Insurance offers auto, home, life & annuities1, health, business and farm & ranch insurance. We've expanded geographically, too. Currently, we operate in 18 states spanning from Washington to Ohio.

Our customer relationships have helped us build a strong and stable company with more than $4.8 billion in policyholder equity. As a mutual company, our customers and owners are one in the same. Our success is measured not by the rate of return for shareholders, but by the value we provide our policyholders.

We have been in business for 80 years, and we aren't stopping there. We remain committed to being the most trusted and valued service driven insurance company.

about American National Insurance Company

American National Insurance Company (NASDAQ: ANAT) is one of the largest life insurance companies in the United States. The company was founded in Galveston, Texas by William L. Moody, Jr. in 1905. It operates numerous subsidiaries throughout several U.S. States as well as an insurance subsidiary in Mexico.

Chartered in 1905, American National Insurance Company has evolved into an industry leader, ranking among the largest of life insurance companies in the United States. Today, the company and its subsidiaries provide personalized service to more than 5 million policyholders throughout 50 states, the District of Columbia, Puerto Rico, and American Samoa. Through its subsidiary, American National de México, Compañía de Seguros de Vida, American National is authorized to sell its products in Mexico.

Directly and through subsidiaries, the company offers a broad line of insurance products and services, including life insurance, annuities, health insurance, property and casualty, credit insurance, and pension plan services. Mutual funds and variable products are securities products distributed through Securities Management and Research, Inc., a subsidiary broker-dealer of American National Insurance Company.

about Aviva

Aviva is UK’s largest and the world’s fifth largest insurance Group. It is one of the leading providers of life and pensions products to Europe and has substantial businesses elsewhere around the world. With a history dating back to 1696, Aviva has a 40 million-customer base worldwide. It has more than £364 billion of assets under management. In India, Aviva has a long history dating back to 1834. At the time of nationalisation it was the largest foreign insurer in India in terms of the compensation paid by the Government of India. Aviva was also the first foreign insurance company in India to set up its representative office in 1995. In India, Aviva has a joint venture with Dabur, one of India's oldest, and largest Group of companies.

A professionally managed company, Dabur is the country's leading producer of traditional healthcare products. In accordance with the government regulations Aviva holds a 26 per cent stake in the joint venture and the Dabur group holds the balance 74 per cent share. With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), Aviva has initiated an innovative and differentiated sales approach to the business. Through the “Financial Health Check” (FHC) Aviva’s sales force has been able to establish its credibility in the market. The FHC is a free service administered by the FPAs for a need-based analysis of the customer’s long-term savings and insurance needs. Depending on the life stage and earnings of the customer, the FHC assesses and recommends the right insurance product for them. Aviva pioneered the concept of Bancassurance in India, and has leveraged its global expertise in Bancassurance successfully in India. Currently, Aviva has Bancassurance tie-ups with ABN Amro Bank, American Express Bank, IndusInd Bank, Centurion Bank of Punjab, The Lakshmi Vilas Bank Ltd. and Punjab & Sind Bank, Co-operative Banks in Gujarat, Rajasthan, Jammu & Kashmir, Bihar, West Bengal, Andhra Pradesh and Maharashtra and regional Banks. When Aviva entered the market, most companies were offering traditional life products. Aviva started by offering the more modern Unit Linked and Unitised With Profit products to the customers, creating a unique differentiation.

Aviva’s products have been designed in a manner to provide customers flexibility, transparency and value for money. It has been among the first companies to introduce the more modern Unit Linked products in the market. Its products include: whole life (LifeLong), endowment (LifeSaver, EasyLife Plus, LifeSaver Plus), child policy (Young Achiever, SaveGuard Junior, Aviva Little Master) single premium (LifeBond and LifeBond Plus), Pension (PensionPlus), Term (LifeShield), fixed term protection plan (Freedom LifePlan) and a tax efficient investment plan with limited premium payment term (LifeBond5). Aviva products are modern and contemporary unitised products that offer unique customer benefits like flexibility to chose cover levels, indexation and partial withdrawals. Aviva’s Fund management operation is one of its key differentiators. Operating from Mumbai, Aviva has an experienced team of fund managers and the range of fund options includes Unitised With-Profits Fund and seven Unit Linked funds: - Protector Fund, Secure Fund, Balanced Fund, Growth Fund, Enhancer Fund, Index Fund and Bond Fund. Aviva has 193 Branches in India (including rural branches) supporting its distribution network. Through its Bancassurance partner locations, Aviva products are available in more than 2,795 locations across India. Aviva is also keen to reach out to the underprivileged that have not had access to insurance so far. Through its association with Basix (a micro financial institution) and other NGOs, it has been able to reach the weaker sections of the society and provide life insurance to them. Aviva has been felicitated with the "Bronze Award for Excellence in People Management" by Grow Talent Company Limited and Businessworld. This honour is given to Aviva based on the ranks received in top 25 list of the Great Place to Work India studies conducted in the last four years. Aviva was ranked 12th in 2003, 14th in 2004 and 13th in the year 2005.


Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. Insurer is the company that sells the insurance. Insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

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