Carrier Information

Assurant Health

501 W. Michigan Street
Milwaukee, WI 53203
(800) 211-1193

Assurant Health is a brand name used for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for nearly one million people nationwide.

Underwriting companies licensed in: District of Columbia and all states except Arkansas, Hawaii and New York.

Time Insurance Company
501 W. Michigan Street
Milwaukee, WI 53203
(414) 271-3011
NAIC #69477
State of domicile: Wisconsin
A.M. Best Rating: A- (Excellent)

John Alden Life Insurance Company
501 W. Michigan Street
Milwaukee, WI 53203
(414) 271-3011
NAIC #65080
State of domicile: Wisconsin
A.M. Best Rating: A- (Excellent)

Union Security Insurance Company
P.O. Box 419052
Kansas City, MO 64141-6052
(816) 474-2345
NAIC #70408
State of domicile: Iowa
A.M. Best Rating: A (Excellent)

Advantica Administrative Services, Inc.

P.O. Box 8510
St. Louis, MO 63126-0510
(314) 543-4900
NAIC #47035
State of domicile: Missouri

Advantica Administrative Services, Inc., provides employers and other groups with both self-funded and fully insured dental care programs. The company has developed an extensive regional managed care provider network in eastern Missouri and southern Illinois and participates in national networks for clients outside the regional market.

www.advanticabenefits.com

Fidelity Security Life Insurance Company

3130 Broadway
Kansas City, MO 64111
(800) 648-8624
NAIC# 71870
State of domicile: Missouri
Licensed in: All states and the District of Columbia.

Fidelity Security Life Insurance Company underwrites specialized life and health insurance programs for associations, affinity groups and corporations. It is an affiliate of Forrest T. Jones & Company.

A.M. Best rating: A- (Excellent)

www.fslins.com

GEICO

5260 Western Avenue
Chevy Chase, MD 20815
(800) 861-8380
State of domicile: Maryland
Licensed in: all states and the District of Columbia; GEICO auto insurance in not available in Massachusetts.

GEICO is the trade name for a group of insurance companies that include: Government Employees Insurance Company (NAIC #22063); GEICO General Insurance Company (NAIC #35882); GEICO Indemnity Company (NAIC #22055) and GEICO Casualty Company (NAIC #41491).

A.M. Best rating: A++ (Superior)
Standards & Poor's rating: AAA
Moody's Investor Service rating: Aaa
Fitch rating: AAA(Exceptionally Strong)

GEICO is the fourth-largest private passenger auto insurer in the United States (A.M. Best ranking by 2006 direct premiums written) with 7.4 million auto policyholders and more than 12 million vehicles insured. The company is also the third-largest property & casualty insurer in the world (Berkshire Hathaway / GEICO global revenues in 2005).

www.geico.com

Great American Insurance Company

580 Walnut Street
Cincinnati, OH 45202
(513) 369-5000
NAIC #16691
State of domicile: Ohio
Licensed in: all states and the District of Columbia

A.M. Best rating: A (Excellent)
Standard & Poor's rating: A (Strong)
Moody's Investor Service rating: A3 (Good)
Fitch rating: A+ (Strong)

Great American Insurance Company underwrites insurance for many specialized markets, such as agricultural crops and agribusiness, inland and ocean marine, trucking, financial institutions, and many type of professional and executive liability. The company was founded in 1872 in New York City and operated there for more than a century before relocating to Cincinnati in 1987.

www.greatamericaninsurance.com

Hartford Life and Accident Insurance Company

200 Hopmeadow Street
Weatogue, CT 06089
(860) 392-0100
NAIC #70815
State of domicile: Connecticut
Licensed in: all states and the District of Columbia.

A.M. Best rating: A+ (Superior)
Standard & Poor’s rating: AA–
Moody’s Investor Service rating: Aa3
Fitch rating: AA

The Hartford® is the Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

www.thehartford.com/

International Medical Group

2960 North Meridian Street
Indianapolis, IN 46208-4715
(800) 628-4664

http://www.imglobal.com/

International Medical Group administers international medical insurance products that are underwritten by Sirius International Insurance Corporation.

Sirius International Insurance Corporation
SE – 113 96 Stockholm, Sweden
Visiting address: Birger Jarlsgatan 57B
+46 8 458 5500

A.M. Best rating: A (Excellent)
Standard & Poor’s rating: A- (Strong)
Moody’s Investor Services rating: A3 (Good)
Fitch rating: A- (Strong)

Sirius International Insurance Corporation is a wholly owned subsidiary of White Mountains Insurance Group, Ltd., of Hamilton, Bermuda, with principal executive offices in Hanover, N.H.. Sirius International, based in Stockholm, writes most classes of non-life insurance, including property, accident & health, credit & bonds, aerospace and marine.

www.siriusgroup.com/

John Hancock Life Insurance Company

P.O. Box 111
Boston, MA 02117-0111
(617) 572-6000
NAIC #: 65099
State of domicile: Massachusetts
Licensed in: all states and the District of Columbia

A.M. Best rating: A++
Standard & Poor’s rating: AAA
Moody’s Investor Service rating: Aa1
Fitch rating: AA+

John Hancock, the U.S. division of ManuLife Financial Corporation, is based in Ontario, Canada, and is the fourth largest life insurer in North America based on 2007 assets. John Hancock is a market leader in Group Long-Term Care Insurance sales in the United States and provides a full range of insurance products through affiliated companies, including John Hancock Life Insurance Company; John Hancock Life Insurance Company (U.S.A.), formerly Manufacturers Life Insurance Company; John Hancock Life Insurance Company of New York; and John Hancock Variable Life Insurance Company.

www.johnhancock.com/

Liberty Mutual Insurance Company

175 Berkeley Street
Boston, MA 02116
(617) 357-9500
NAIC #23043
State of domicile: Massachusetts

A.M. Best rating: A (Excellent)
Standard & Poor’s rating: A2 (Good)
Moody’s Investor Service rating: A (Strong)

Liberty Mutual Insurance Company is part of the Liberty Mutual Group, a diversified global insurer and the sixth largest property and casualty insurer in the U.S., based on 2006 direct premium written. Other major holdings include Liberty Mutual Fire Insurance Company and Employers Insurance Company of Wausau.

www.libertymutual.com/

Metropolitan Life Insurance Company

200 Park Avenue
New York, NY 10166
(800) 638-5433
NAIC #65978
State of domicile: New York

A.M. Best rating: A+ (Superior)
Standard & Poor’s rating: AA (Very Strong)
Moody’s Investors Service rating: Aa2 (Excellent)
Fitch rating: AA (Very Strong)

Metropolitan Life Insurance Company (MetLife) is the largest individual life insurer in North America based on sales and the second largest provider of retail annuities. The company’s affiliates include New England Financial; General American Life Insurance Company; Texas Life Insurance Company; MetLife of Connecticut (formerly The Travelers Life Insurance Company); and MetLife Bank.

www.metlife.com/

New York Life Insurance Company

51 Madison Avenue
New York, NY 10010
(212) 576-7000
NAIC #66915
State of domicile: New York
Licensed in: all states, the District of Columbia, Canada, and Puerto Rico

A.M. Best rating: A++
Standard & Poor’s rating: AAA
Moody’s Investor Service rating: Aaa
Fitch rating: AAA

New York Life Insurance Company is a mutual insurance company owned by it's policyholders. It was founded in 1845. In 2007, New York Life was ranked the 78th largest company in America by Fortune magazine, with more than $160 billion in assets under management.

www.newyorklife.com/ 

ReliaStar Life Insurance Company

20 Washington Avenue South
Minneapolis, MN 55401
(800) 955-7736
NAIC #67105
State of domicile: Minnesota
Licensed in: all states except New York

A.M. Best rating: A+
Standard & Poor’s rating: AA
Moody’s Investor Service rating: Aa3
Fitch rating: AA

Insurance products and services are provided by ReliaStar Life Insurance Company, which is a wholly owned, indirect subsidiary of ING Groep N.V. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.  ReliaStar Life Insurance Company, Minneapolis, MN  (formerly known as Northwestern National Life Insurance Company) has Minnesota roots tracing back to 1885. As one of the nation’s first underwriters of group insurance, it has more than 80 years of experience in the design, implementation and administration of group benefit plans. It has a net income of $130 million (2006 financial data on a statutory basis). ReliaStar Life Insurance Company is licensed in every state except New York.

ING Groep N.V. is a global leader in integrated financial services with banking, insurance, and asset management businesses in more than 50 countries. It is the world’s 10th largest company, according to Forbes magazine’s “Global 2000” list of the world’s leading public companies, based on a composite ranking for sales, profits, assets and market value (Forbes, April 16, 2007).

www.ing-usa.com/us

Savers Property & Casualty Insurance Company

11880 College Boulevard, Suite 500
Overland Park, KS 662102035
(913) 339-5000
NAIC #16551
State of domicile: Missouri
Licensed in: Illinois, Kansas, Maine, Massachusetts and Missouri, and operates in all others states and the District of Columbia on a surplus lines basis.

A.M. Best rating: B++ (Good)

Savers Property & Casualty Insurance Company is a subsidiary of Meadowbrook Insurance Group, Inc., that specializes in writing insurance programs for professional and trade groups — including appraisers and educators, municipalities and livestock marketing centers. Principal lines of business include workers’ compensation, professional liability, and commercial multiple-peril coverages.

www.meadowbrookinsgrp.com/

Star Insurance Company

26255 American Drive
Southfield, MI 48034-6112
(248) 358-1100
NAIC #18023
State of domicile: Michigan
Licensed in: all states and the District of Columbia.

A.M. Best rating: B++ (Good)

Star Insurance Company is the primary insurance carrier subsidiary of Meadowbrook Insurance Group, Inc. (NYSE: MIG) and specializes in group property & casualty insurance, providing products for trade associations, public entities, and affinity groups.

www.meadowbrookinsgrp.com/

Transamerica Corporation

4333 Edgewood Road NE
Cedar Rapids, IA 52499
(319) 355-8511
Licensed in: all states and the District of Columbia

A.M. Best rating: A+ (Superior)
Standard & Poor’s rating: AA (Very Strong)
Moody’s Investor Service: Aa3 (Excellent)
Fitch rating: AA+ (Very Strong)

Transamerica is the marketing brand for insurance products offered by a group of insurance and financial services companies, including Transamerica Occidental Life Insurance Company, Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. Transamerica is a holding of AEGON Insurance Group.

www.transamerica.com/

Transamerica Financial
Life Insurance Company
4 Manhattanville Road
Purchase, NY 10577
(914) 697-8000
NAIC #70688
State of domicile: New York

Transamerica Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, IA 52499
(319) 355-8511
NAIC #86231
State of domicile: Iowa

Transamerica Occidental
Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, IA 52499
(213) 742-2111
NAIC #67121
State of domicile: Iowa

United States Life Insurance Company in the City of New York

830 Third Avenue
New York, NY 10022-4684
(800) 874-8743
NAIC# 10706
State of domicile: New York
The company is licensed in all states and the District of Columbia.

A.M. Best rating: A++ (Superior)
Standard & Poor’s rating: AA+ (Very Strong)
Moody’s Investor Service rating: Aa1 (Excellent)
Fitch Ratings: AA+ (Very Strong)

United States Life Insurance Company in the City of New York (USLIC) is the oldest stock life insurance company in the U.S., having been founded in 1850. It is a member of the AIG American General group of companies, an international insurance organization operating in more than 130 companies.

www.uslife.com

Financial Strength

Understanding Ratings

Forrest T. Jones & Company (FTJ) represents some of the largest and highest rated life and health insurance companies in the nation, as well as many smaller, well-regarded insurers with expertise in specialty coverages.

These companies — also referred to as "insurance carriers" or "underwriters" — design the insurance plans FTJ sells, and they guarantee the benefit contained in those plans.

In assessing the strength and viability of an insurance company — that is, its ability to pay policy benefits when a claim is filed — its financial ratings are valuable indicators. These ratings assess the risks that could affect the long-term survival of the company.

There are several companies that provide ratings for insurers: A.M. Best & Company, Standard & Poor's, Moody's Investor Service, Fitch Ratings, and Weiss. Each service uses different letter grades for their ratings, but in general, all rate companies with a series of ratings from A through D; carriers receiving one of the A ratings are the most financially sound.

Current ratings for the insurance companies FTJ works with are shown on the left. All insurers are not rated by all rating services. For information on how each rating service derives its ratings can be found on their respective web sites:

FTJ's relationship with its carriers varies. For some, it serves solely as the sales agent. For many others, FTJ provides an array of third-party administration services. These include: underwriting services (risk assessment and rating for applicants), policy issuance, billing, customer service, and claims adjudication and payment.