Our quality begins with our carriers.

Allianz Life Insurance Company of North America (Allianz Life) is a leading provider of
fixed and variable annuities. Based in Minneapolis, Allianz Life is part of the Allianz Group, one of the world’s leading integrated financial services providers, represented by more than 700 subsidiaries in 70 countries worldwide.

Beacon Risk Strategies is a Managing General Underwriter (MGU) that provides large self-insured employers with aggressive stop-loss coverage. With more than 200 regional and national networks, Beacon has the power to accurately assess risk and ensure that non-network claims receive the deepest possible discounts. AM rating: Beacon (QBE and London Life): A (Excellent); London Life: A+ (Superior)

Companion Life Insurance Company has been a well-managed, customer-focused organization operating on a financially sound, growing and diversified basis for more than 30 years. Companion Life offers Life, Dental, Disability and Accidental Death and Dismemberment programs in 42 states. AM rating: A+ (Superior); Weiss rating: B

Davis Vision, Inc. is one of the nation’s leading managed vision and eye care providers, serving more than 10,000 client groups and 23 million beneficiaries since 1964. The company’s extensive network includes all fifty states, and Latin America. AM rating: A (Excellent)

Employers Reinsurance Corporation, a member of the Swiss Re Group, has protected thousands of self-funded employers against catastrophic losses with a variety of innovative and creative Stop Loss Programs since 1975. AM rating: A+ (Superior)

GEIR Reinsurance consolidates property and casualty teams from around the world to deliver more efficient, global processes to customers while at the same time preserving localized relationships.  GEIR solutions include everything from risk management services to primary insurance and reinsurance.

HM Insurance Group (HM), a subsidiary of Highmark, Inc., provides employer stop loss coverage. HM combines the strength of a national carrier with the individualized attention and long-term relationships of a smaller, hometown carrier. AM rating: A- (Excellent)

International Assurance of Tennessee (IAT), a Managing General Underwriter (MGU) , has been a veteran in the stop-loss industry since 1984. IAT provides excess/stop-loss insurance as well as group term life insurance. IAT ensures the entire process from underwriting, to policy issue, to claim time is smooth and effortless. AM rating: A+ (Superior)

Magellan Health Services is the country’s leading Managed Behavioral Health Care Organization. The company specializes in managed mental health and substance abuse services as well as employee assistance/work-life programs. Its customers include health plans, corporations and government agencies.

MedAmerica Insurance Company, a subsidiary of Excellus Health Plan, Inc. which is part of Lifetime Healthcare Inc., is recognized nationally for financial and rate stability and for maintaining the highest levels of service and customer satisfaction. These long-term care insurance companies are. AM rating: A (Excellent); Standard & Poor’s rating: A- (Strong)

Select Data Service Administrators (SDSA) administers flexible benefits programs to more than 1200 employer groups across the country. These include Flexible Benefits Programs (Section 125 Cafeteria Plans) and Health Reimbursement Arrangements (HRA-Section 105). Formed in 1976, SDSA is a member of the Employers Council on Flexible Compensation.

Symetra Financial Corporation provides retirement plans, employee benefits, life insurance and annuities through a national network of independent advisors and agents. Headquartered in Bellevue, Wash., Symetra’s insurance company subsidiaries have nearly $20 billion in assets.1 For more information, visit www.symetra.com. AM Best rating as of November 2007: A (Excellent) 1 Source: Total GAAP assets per financial statements on September 30, 2007.

USAble Life offers a full line of group and individual products, sold at the worksite. The company insures more than 1 million individuals in 48 states and the District of Columbia, and has more than $26 billion of insurance in-force. Products include a broad range of both group, group voluntary and individual products. AM rating: A (Excellent)