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.

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)

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)

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)

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)