CNP Assurances

In 1959, two french companies merged to create the Caisse Nationale de Prévoyance (CNP Assurance) within the Caisse des Dépôts group.

As one of its parent companies was founded in 1848, CNP's origins date back to the beginning of the insurance market. CNP has been the leading player in personal insurance sector in France since 1991. CNP has 14 million policyholders today.

The mission of CNP Assurances is to offer to its 22 million policyholders high quality products to protect them against the risks of everyday life and to meet their savings needs in each phase in their life.

Scope of Operation

  • Personal Insurance
  • Savings Products
  • Pension Products
  • Personal Risk Assurance
  • Personal Services 

Key Statistics

  • Assets of $241.22 billion
  • Profits of $0.85 billion in 2006
  • Operations primarily in Europe
  • 4,501 employees 
The organization of CNP Assurance consists of Regional Centers in:
  • Paris
  • Lille
  • Marseille
  • Nancy
  • Angers
  • Lyon
  • Toulouse
  • Clermont-Ferrand 

International Ranking

  • 223rd in the world according to Forbes Magazine
  • 109th in the Fortune Global 500 list

Headquarter Address

4 Place Raoul Dautry
75716 Paris Cedex 15
Phone: 33-1-4218-8888
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Zurich Insurance Group, the world's largest insurance group

Zurich Insurance Group Ltd. (SIX: ZURN), commonly known as Zurich, is a Swiss Insurance company, headquartered in Zurich, Switzerland. Zurich Insurance Group is Switzerland’s biggest insurer. As of 2011, Zurich was the world’s 79th largest public company according to Forbes’ Global 2000s list and ranked 94th in Interbrands top100 brands.

Zurich Insurance Group Ltd is a global insurance company which is organized into three core business segments: General Insurance, Global Life and Farmers. The company employs around 60,000 people serving customers in more than 170 countries and territories across the globe.

Zurich Insurance Group Ltd is listed on the SIX Swiss Exchange and as of 2011 the Group’s Capital position was strong with shareholders equity of $31.6 billon.


The company was founded in 1872 as a marine reinsurance under the name “Versicherungs-Verein” (Insurance Association), a subsidiary of the Schweiz Marine Company. In 2000, after a number of acquisitions, it was unified to form one holding company – Zurich Financial Services.

In April 2012, Zurich Financial Services Ltd changed its name to Zurich Insurance Group Ltd. The name change reflects that in recent years Zurich has streamlined its business portfolio to concentrate on insurance. In a statement the group explained the rationale behind the name change. “In recognition of this strategic focus, the reference to financial services in the company name has been replaced by indicating the insurance activity of the Group instead and to specify the purpose accordingly.

Financial performance / information
Zurich Insurance Group Ltd (“Zurich”) is listed on the SIX Swiss Exchange under the ticker ZURN. As of the 1st December 2010 there were 147,385,822 fully paid registered shares and 121,715 shareholders. Twenty three percent of the holding of the registered shares were private individuals (14 percent of all issued shares), seven percent were foundations and pension funds (five percent of all issued shares) and 70 percent were other legal entities (44 percent of all issued shares).

In its full year results for 2011 Zurich reported a net income after tax (attributable to shareholders) of $3.8bn[19], an increase of 10% on the previous year, and a business operating profit of $4.3bn. It declared a full year dividend of CHF 17.00, to be paid in April 2012.

The company has a robust capital position with a Solvency 1 ratio of 242% and a Swiss Solvency Test ratio of 190% as of 31 December 2011, far above the minimum capital requirements. The strength of Zurich’s balance sheet is reflected in the reports of the ratings agencies. As of 21 March 2011 Zurich Insurance Company Ltd was rated as ‘AA-/stable’ by Standard and Poor’s, ‘Aa3/stable’ by Moody’s, and A+/stable’ by A.M. Best.
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Allianz, the world's largest insurance group

Allianz SE (formerly Allianz AG) is a German multinational financial services company headquartered in Munich, Germany. Its core business and focus is insurance. As of 2010, it was the world's 12th-largest financial services group and 23rd-largest company according to a composite measure by Forbes magazine.

Its Allianz Global Investors division ranks as a top-five global active investment manager, having €1,443 billion of assets under management (AuM), of which €1,131 billion are third-party assets (as of 2010-09-30), with specialized asset managers including PIMCO (Bonds), RCM (Equities) and Degi (Real estate).

Allianz sold Dresdner Bank to Commerzbank in November 2008. As a result of this merger, Allianz gained a 14% controlling stake in the new Commerzbank Group.

Allianz AG was founded in Berlin on 5 February 1890 by Carl von Thieme (a native of Erfurt, whose father was the director of Thuringia) and Wilhelm von Finck (co-owner of the Merck Finck & Co bank). The first step to become an international company started with the opening of a branch office in London in the late 19th century.


Allianz has operations in over 70 countries and has around 180,000 employees. The parent company, Allianz SE, is headquartered in Munich, Germany. Allianz has more than 60 million customers worldwide and its services include property and casualty insurance, life and health insurance and asset management.
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New York Life Insurance Company

The New York Life Insurance Company (NYLIC) is one of the largest mutual life-insurance companies in the United States, and one of the largest life insurers in the world, with about $287 billion in total assets under management, and more than $15 billion in surplus and AVR.

The company ranks #71 on the 2011 Fortune 100 list, making it the highest privately held insurance company on that list. In 2007, NYLIC achieved the best possible ratings by the four independent rating companies (Standard & Poor's, AM Best, Moody's and Fitch). In June 2009, the same four rating companies reaffirmed New York Life's "superior" financial strength, which became a selling point in national TV ad campaigns that same year. 

The company is now one of only three life insurers to hold the highest ratings currently awarded to any life insurer by all four rating agencies (Moody's: Aaa, A.M. Best: A++. Standards & Poor's: AA+, Fitch: AAA. All of these are for financial strength. Other New York Life affiliates provide an array of securities products and services, as well as institutional and retail mutual funds.


The company was founded in 1845 as the Nautilus (Capt. Nemo) Insurance Company in New York City, with assets of just $17,000. It was renamed the New York Life Insurance Company in 1849. Its first headquarters were at 112-114 Broadway; the first president was James DePeyster Ogden. The current New York Life headquarters was designed by noted architect Cass Gilbert and completed in 1928. The New York Life building, at 51 Madison Avenue, was constructed during the presidency of Darwin P. Kingsley. He expanded the company’s operations and developed new types of insurance. As with other early insurance companies in the U.S., in its early years the company insured the lives of slaves for their owners. In response to bills passed in California in 2001 and in Illinois in 2003, the company reported that Nautilus sold 485 slaveholder life insurance policies during a two-year period in the 1840s; they added that their trustees voted to end the sale of such policies 15 years before the Emancipation Proclamation.

The company became known for innovative business practices. In 1860, well before state laws required it, New York Life developed the non-forfeiture option, the predecessor to the guaranteed cash values of modern policies, under which a policy remains in force even if a premium payment is missed. It was also the first American life insurance company to pay a cash dividend to policyholders, and the first U.S. company to issue policies to women at the same rates as men. Susan B. Anthony was one of their first female policy holders, and her father worked for NYLIC. In 1896, New York Life became the first company to insure people with disabilities and the first to issue a policy with a disability benefit that presumes total disability to be permanent after a predetermined period.

In the late 1990s New York Life was one of several large mutual life insurers to back a bill that would allow demutualization into a structure known as a mutual holding company (MHC). CEO Sy Sternberg himself argued strongly in favor of the bill, which was ultimately defeated. The NYLIC board of directors subsequently reversed course, with the company strongly and publicly embracing their mutual nature in a series of advertisements.
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ROAM (Réunion des Organismes d'Assurance Mutuelle)

ROAM (Réunion des Organismes d’Assurance Mutuelle) is an association at the service of mutual insurance companies for more that 150 years.


Created in 1855 by a group of directors of mutual insurance companies in order to hold exchanges regarding their status as mutual organisations and to defend the provision of insurance services in the mutual form, as an alternative to joint-stock companies.

Today, this professional French association brings together 46 companies all of whom are subject to the regulations of the Insurance Code and to the supervision of the ACAM (Insurance Supervisory Authority in France).

ROAM gathers mutual insurance companies (MIC) : an MIC is insurance company that does not have its capital divided into shares, is collectively managed by it policyholders who are also its members and which acts in their best interests.

At the international level

It is a direct member of Amice (Association of Mutual Insurers and Insurance Cooperatives in Europe) at the European level and its members participate in many of the working groups organised by AMICE (Solvency II, European Mutual, European Affairs, etc.). ROAM has also assumed responsibility for the coordination of the study on comparative law, "MIC: regulatory, financial and fiscal provisions" in five European countries (France, Italy, Spain, Belgium and the Netherlands) and the United States

As a direct member of ICMIF, ROAM takes every opportunity to represent the interests of its members at the world level and also shares its experiences by creating links with mutuals across the world.

Challenges to be faced

Solvency II

There is a challenge regarding both Pillar I and Pillar II. Significant changes are underway with the introduction of Solvency II. Both for pillar I, quantitative requirements, and pillar II, internal control requirements, a real revolution is taking place at the European level and this will have considerable repercussions on the French market. Certain specialised French mutual insurance companies could find themselves facing an own funds requirement that is often five to ten times higher than the current requirement. The introduction and effective follow-up of a well-structured internal control system will pose problems for all small structures (in terms of cost and internal expertise). ROAM, which has been involved in this process since the project’s inception, defends its members position by contributing to the consultation process on an on-going basis and also by directly lobbying the European authorities.

Governance would also appear to be a sensitive issue for French mutualists, who have been faced with significant successive changes to their regulations (in 2002, 2003 and then again in 2005) and so have had to respond to the continual challenge regarding the recognition of their statute and of their specificities by adapting to these changes.

European Mutual
Since there is no European instrument to enable them to establish groupings at this level, then the French mutuals are at a competitive disadvantage compared to joint stock companies, since they do not have access to the same legal instruments: ROAM continues its efforts to promote the mutual status at the European level and calls for the introduction of a European Mutual status in order to allow mutuals to join forces with one another to create groupings at a cross-border level. In the context of Solvency II, this instrument becomes essential.

In 2009, ROAM's Mutual insurance companies achieved a turnover of 11 billion Euros (direct business in France + reinsurance accepted + foreign activities), meaning that they therefore hold approximately 6% of the insurance market in France, but more than 39% of the builders liability market and more than 58% of medical malpractice liability market.

Founder       :  Gustave Haugk
Founded      :  1855
Key people  :  Olivier Désert
Area served :  France
Members     :  46 mutual insurance companies
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Tips & Advice About Insurance

5 Things to Consider About Health Insurance

View of the current hospital as more and more congested. Therefore, various diseases come and go which makes people even more vulnerable to attack. Ranging from mild such as a runny nose or cough, to very risky as cancer, as more and more familiar with our society.

Therefore, the portion of medical and health care should be a priority now. Therefore, if at any time sick, sometimes the cost is not small. Moreover, if it had to do surgery or medical treatment due to a variety of dangerous diseases.

Therefore, the health insurance needs to be considered. Because, at the time of the emergency, health insurance will be the solution in terms of financing and hospital care.

However, there are some things to consider before choosing a health insurance. Here are some things that need to be understood more ..

1. Consider the track record of the insurance companies that offer health insurance. It is important to know how condition of the company, professional firms, and its services over the years. The more bona fide and good history of the company, usually the better the various types of insurance offered.

2. Learn and find out more about how the insurance company's network to hospitals there. Primarily, the pain is all around us and the hospital has facilities for serving a wide range of diseases.

3. Know what kind of health care that are covered by insurance. For example, if a critical illness cover as      heart disease, cancer, and other diseases. Then, if also serves hospitalization and / or treatment of the road. Also, get also related information about the claim payment. By knowing this, we would be more assured when choosing insurance.

4. Understand all the written agreement of the policy, especially that we receive. For example, what classes will be given to us, when to begin the coverage period, and various other things that will bind us when choosing insurance. Do not hesitate ask the people who know if you do not know what is in one grain agreement. Including, for example, whether the money could be paid if in some period of time does not occur claim.

5. Health insurance is one solution. But, the real key solution is to stay fit. Therefore, The best step is to keep in shape and trying to distance themselves from a variety of sources of disease.
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Mondial Assistance Group

Mondial Assistance is a leading international travel insurance, assistance and personal services company. It has a staff of 10,920 people and works throughout the world with a network of 400,000 service providers and 180 correspondents.

The Group has operations in 29 countries on 5 continents and was created in the year 2000 following the merger of Elvia (founded in Switzerland in 1950) and SACNAS-Mondial Assistance (founded in France in 1974). Mondial Assistance is part of the Allianz group, Europe’s leading insurance company.

Their U.S. operations are based in Richmond, Virginia. On Wednesday, February 1st, 2012, Mondial USA announced it would change its name to Allianz Global Assistance, in honor of its parent company.

Industry : Travel & Automotive services
Products : travel insurance, travel assistance, event ticket cancellation, roadside assistance, automotive extended warranty, CRM services to automotive manufacturers, telematics, home and property assistance, healthcare assistance, disease management and patient support.
Website :

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American Association of Retired Persons (AARP)

AARP, formerly the American Association of Retired Persons, is a United States-based non-governmental organization and interest group, founded in 1958 by Ethel Percy Andrus, PhD, a retired educator from California, and based in Washington, D.C. According to its mission statement, it is "a nonprofit, nonpartisan membership organization for people age 50 and over ... dedicated to enhancing quality of life for all as we age," which "provides a wide range of unique benefits, special products, and services for our members."


Dr. Ethel Percy Andrus founded AARP in 1958. AARP evolved from the National Retired Teachers Association (NRTA), which Andrus had established in 1947 to promote her philosophy of productive aging, and in response to the need of health insurance for retired teachers. After ten years, Andrus opened the organization to all Americans over 50, creating AARP. Today, NRTA is a division within AARP. Dr. Andrus founded AARP while living in Ojai, California, where she had established an innovative new retirement home named Grey Gables. Ojai served as national headquarters for AARP from 1958 until the mid-1960s. Honors to Dr. Andrus include National Teacher of the Year in 1954, induction into the Women's Hall of Fame and, more recently, a medallion placed on the Points of Light Institute's "Extra Mile Pathway" in downtown Washington, D.C. According to Andy Rooney, AARP was established by Leonard Davis, founder of the Colonial Penn Group insurance companies, after he met Ethel Percy Andrus.

According to critics, until the 1980s AARP was controlled by Mr. Davis, who promoted its image as a non-profit advocate of retirees in order to sell insurance to members. After a lengthy competitive bidding process, AARP shifted the insurance contracts made available to members to Prudential in 1980. In the 1990s, the United States Senate investigated AARP's non-profit status, with Republican Senator Alan Simpson, then chairman of the United States Senate Finance Subcommittee on Social Security, Pensions, and Family Policy, questioning the organization's tax-exempt status in congressional hearings. According to Charles Blahous, the investigations did not reveal sufficient evidence to change the organization's status, though in an interview years later by the Des Moines Register, Senator Simpson remained "troubled by AARP's practices", calling AARP "the biggest marketing operation in America and money-maker" and an organization whose practices are "the greatest abuse of American generosity I witnessed in my time in the U.S. Senate."

The organization was originally named the American Association of Retired Persons, but in 1999 it officially changed its name to "AARP" (pronounced one letter at a time, "ay ay ar pee") to reflect that its focus was no longer American retirees. AARP no longer requires that members be retired, but be at least age 50; it does not extend full membership privileges to applicants who are retired but not yet 50.

Health care

AARP has been active in health care policy debates since c. 1960 and its recent engagement is a reflection of this long-standing involvement.

AARP's public stances influenced the United States Congress' passage of the Medicare Prescription Drug, Improvement, and Modernization Act, which authorized the creation of Medicare Part D, in 2003, and also influenced the Congress by resisting radical changes to Social Security in 2005. AARP also addressed health care issues in their campaign targeting the 2008 elections with Divided We Fail.

Health insurance

Approximately seven million people have AARP branded health insurance, including drug coverage and Medigap, as of April 2007 and AARP earns more income from selling insurance to members than it does from membership dues. In 2008, AARP plans to begin offering several new health insurance products: an HMO for Medicare recipients, in partnership with UnitedHealth Group; and a PPO and "a high-deductible insurance policy that could be used with a health savings account" to people aged 50–64, in partnership with Aetna. AARP will likely become the largest source of health insurance for Medicare recipients, and AARP estimates the new products will increase its health insurance customers to 14 million by 2014.

AARP is not an insurer and does not pay insurance claims. Instead, AARP allows its name to be used by insurance companies in the sale of insurance products, for which it is paid a commission like an insurance agent.

Senator Charles E. Grassley (R-Iowa), senior Republican on the Senate Finance Committee, said in 2008 that the "limited benefit" insurance plans offered by AARP through UnitedHealth provided inadequate coverage and were marketed deceptively. One plan offered $5,000 for surgery that may cost two or three times that amount.

AARP does a "thriving business" in marketing branded Medigap policies. As of October 2009, Medical care reform contained a proposal to trim an associated program Medicare Advantage, which was expected to increase demand for Medigap policies. However, as cited above, AARP also brands a Medicare Advantage plan (MedicareComplete), and would also be subject to cuts under health care reform.

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Health Insurance, solutions for the self-employed

Individual health insurance is very necessary for you as an entrepreneur, for those of you who run your own business is different from those working as employees in a company because usually employees of a company (especially a large and established companies) usually obtain health insurance from work place they work, so they are not too worried for hospital care cost problem when their health impaired, because all or most of the cost of hospital care costs will be covered by health insurance.

Moreover, an employee also has a relatively fixed income every month while you are running your own business is certainly earning his monthly erratic, sometimes a lot more can ya loads but when more slack may be ngak no income at all.

For that is where the role of "individual health insurance" should be utilized because as you know insurance is where you transfer your risk is halal including the risk in terms of your health, which means that you can set aside a small portion of your funds for the unexpected things in this case is the risk your health in the future.

You always try to maintain your health and fitness, but when health is compromised at least you got a handle "individual health insurance" that will cover all your costs start from when you are sick until you are out of the hospital, there are even insurance companies that provide all facilities cost of care after hospital discharge borne by "individual health insurance", yeah well everything fits that bill to a maximum of 90 days after hospital discharge.

Facilities provided by "individual health insurance" as it is of course very suitable for you, because it can be when you're drag income and uncertainty you have health problems? if you do not have health insurance will definitely be quite a hassle you and your family of course, and you certainly do not want to pester your wife or child is not? especially until they had plaintively ask someone for help?
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How to Easily Design Your Own Retirement

What do you think about your retirement future?

Is not that age should we stay break and enjoy the old days? So how in order to enjoy a comfortable retirement so as not troubled by financial problems? And what should be done in a productive age in order to be able to retire in peace? The solution: Prepare everything from now on!

Open an account for old age / retirement is one of the solutions to anticipate the financial problems that may occur during retirement. In general, we work from the age of 25 years up to 55 years usi. Assuming we reach the age of 75 years, the life span of 50 years (75-25) must be financed from the income for 30 years (55-25) works. This means income for 1 month should be used to finance 1.7 months of life during (obtained from the 50 divided 30).

So in conclusion, on the basis of the above data we can not spend all the income in the first month. We must set aside some revenue for the "provision" in the old days later. Having investments such as pension insurance will help to realize you achieve a prosperous retirement, in addition to the pension insurance will also minimize the financial problems that may occur. Maybe you'll be wondering how it works Pension Insurance, and how to obtain such insurance.

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Insurance Education a Solution for the Future of Children

Children are a priceless gift from God, and our job as parents is to give the best to him. The best gift for a child is when he earned the right as a child, the best education.

Meanwhile, the cost of education has increased an incredible height. Let us recall, some time ago, when we (the parents) are still in school, how much do we spend? Is the cost the same, are able to educate our children? Let's figure out how much you should prepare for your child. Assumption: Your child is now 1 year old, there is still 17 years until he entered college.

Do not forget to also calculate the cost of other equipment such as tuition fees, living expenses, tuition fees and other components, which have not been considered above. 
We have 3 options:
 1. You do something
 2. You do not do anything
 3. You do everything
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American Automobile Association

AAA (American Automobile Association), formerly known as the American Automobile Association, is a federation of 51 independently operated motor clubs throughout North America. AAA is a not-for-profit member service organization with more than 51 million members. AAA provides services to its members such as travel, automotive, insurance, financial, and discounts. Its national headquarters are in Heathrow, Florida.

Members belong to one of 69 individual clubs (see List of AAA regional clubs), and the clubs in turn own AAA. The member clubs have arranged a reciprocal service system so that members of any participating club are able to receive member services from any other affiliate club. Member dues finance all club services as well as the operations of the national organization.

The vast majority of AAA clubs have "AAA" as part of their name, although the two largest AAA clubs by membership do not: the Automobile Club of Southern California and Auto Club South.

From the standpoint of the consumer, AAA clubs primarily provide emergency road services to members. These services, which include everything from lockouts, winching, tire changes, automotive first aid, and towing, are handled by private local towing companies contracted by a state AAA club. Many AAA clubs have an automotive fleet division serving large metro areas, while private towing companies cover the surplus call volume by area. Recently, certain clubs have implemented an "on the go" diagnostic/installation automotive battery program, which offers members an additional service to an ever more demanding commute. This is part of AAA's vision for the future of automotive services, termed "On the go".

Clubs also distribute road maps (including customized map guides for specific journeys, branded as "TripTik") and travel publications (TourBooks), and rate restaurants and hotels according to a "diamond" scale (one to five). The best hotels and restaurants according to AAA's criteria receive the Five Diamond Award. Many offices sell automobile liability insurance, provide travel agency, auto-registration and notary services. Maps, TourBooks, and travel agent services are generally free to members. AAA also offers member discounts through its "Show Your Card & Save" program.
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Top 10 Insurance Companies In World

 Country: United States. 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 Paris and Tokyo.

2. AXA Group
Country: France. In 1980, AXA did not exist. Over the next 20 years, the Group would grow to become a major international player.AXA pursues successfully its external growth strategy: consolidation of AXA existing activities, with the acquisition of Oyak’s 50% stake in AXA Oyak, 2nd Turkish insurer, for 525 million dollars, and penetration of high growth potential markets, with the acquisition of 100% of the 3rd Mexican insurer, ING Seguros (for an amount of 1.5 billion dollars). Today AXA is present in geographically diverse markets, with operations concentrated in Europe, North America and Asia Pacific.

3. Allianz Worldwide
Country: Germany. The Allianz Group is one of the leading integrated financial services providers worldwide. With nearly 155,000 employees worldwide, the Allianz Group serves approximately 75 million customers in about 70 countries. On the insurance side, Allianz is the market leader in the German market and has a strong international presence.

4. Prudential Financial
Country: United States. Prudential Financial, Inc,
a financial services leader with approximately $580 billion of Assets Under Management as of June 30, 2009, has operations in the United States, Asia, Europe and Latin America. Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping approximately 50 million individual and institutional customers grow and protect their wealth.

5. Manulife Financial
Country: Canada. Manulife Financial is a leading Canadian-based financial services group serving millions of customers in 22 countries and territories world-wide. We provide financial protection and wealth management products and services, to individual and group customers in Canada, the United States and Asia. These products and services include individual life insurance, group life and health insurance, long-term care services, pension products, annuities, mutual funds and banking products. We offer reinsurance services, specializing in life retrocession and property and casualty reinsurance and provide investment management services with respect to the Company’s general fund and segregated fund assets and to mutual funds and institutional customers.

6. Generali Group
Country: Italy. The Generali Group
is one of the most significant participants in the global insurance and financial products market. The Group is leader in Italy and Assicurazioni Generali, founded in 1831 in Trieste, is the Group’s Parent and principal operating Company. In recent years, the Group has made a significant return to central-eastern European markets and has set up offices in the principal markets of the Far East, among which China and India.

7. MetLife
Country: United States. MetLife, Inc.
is a leading provider of insurance and other financial services to millions of individual and institutional customers throughout the United States. Outside the U.S., MetLife companies have direct insurance operations in Asia Pacific, Latin America and Europe.

8. Aviva
Country: United Kingdom. Aviva
is one of the leading providers of life and pension products in Europe and are actively growing our long-term savings businesses in Asia Pacific and the USA. Their main activities are long-term savings, fund management and general insurance

9. Munich Re Group
Country: Germany. The Munich Re Group
is one of the world’s leading risk carriers. It’s business covers the whole value chain in insurance and reinsurance.

Counry: Netherlands. AEGON
is an international business, providing life insurance, pensions and other long-term savings and investment products to millions of customers around the world. The company has major operations in the United States, the Netherlands and the United Kingdom as well as other businesses in Asia, the Americas and elsewhere in Europe. AEGON is listed on the stock exchanges of Amsterdam, London, New York and Tokyo

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Prudential Financial, Inc

For more than 135 years, Prudential Financial, Inc., has helped individual and institutional customers grow and protect their wealth. Today, we are one of the world's largest financial services institutions with operations in the United States, Asia, Europe, and Latin America. We also have one of the most recognized and trusted brand symbols: The Rock , an icon of strength, stability, expertise, and innovation.

Insurance Overview
Whatever your budget and your needs, a life insurance policy from Prudential can help protect those who matter most to you.

Life Insurance
Life insurance helps protect your family or provide a benefit for others.

Planning for retirement? An annuity can provide retirement income you can't outlive.

Auto, Home, RV, Watercraft, and Personal Liability Insurance
Help protect your family and your assets from the unexpecte

Life insurance, disability insurance, and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Each is a Prudential Financial company that is solely responsible for its own financial condition and contractual obligations. Our policies and contracts contain exclusions, limitations, reduction and terms for keeping them in force. A licensed financial professional can provide you with cost and complete details. The availability of other products varies by carrier and state. All guarantees are based on the claims-paying ability of the issuing company.

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ING Group

The ING Group (Dutch: ING Groep) is a global financial institution offering retail banking, direct banking, commercial banking, investment banking, asset management, and insurance services. ING is an abbreviation for Internationale Nederlanden Groep (English: International Netherlands Group).

The Orange Lion on ING's logo is a play on the Group's Dutch origins under the House of Orange-Nassau. ING is the Dutch member of the Inter-Alpha Group of Banks, a cooperative consortium of 11 prominent European banks.

According to Fortune magazine, in 2010 ING was the largest banking/financial services & insurance conglomerate in the world by revenue with gross receipts exceeding €54 billion (US$77 billion) per annum. The Group is also the world's 12th largest corporation by revenue according to the Global Fortune 500.  As of 2009, ING served over 85 million individual and institutional clients in more than 45 countries, with a worldwide workforce exceeding 100,000.

In 1845 the fire insurance company the Assurantie Maatschappij tegen Brandschade de Nederlanden van 1845 (Fire insurance company of the Netherlands established 1845) was founded and grew to be the first insurance company with branches outside the Netherlands, of which it had 139 the world over by 1900. Two decades later in 1863 the life insurance company Nationale Levensverzekerings Bank (National Life Insurance Bank) was founded in Rotterdam. These two insurance companies would merge to form the combined insurance company the Nationale-Nederlanden in 1963. The combined insurance company would expand significantly during the 1970s and 1980s

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AXA Equitable Life Insurance Company

AXA Equitable Life Insurance Company, formerly The Equitable Life Assurance Society of the United States, also known as The Equitable, was founded by Henry Baldwin Hyde in 1859. In 1991, AXA, a French insurance company, acquired majority control of The Equitable. In 2004 it officially changed its name to AXA Equitable Life Insurance Company.

Equitable Life Insurance opened its headquarters at the Equitable Life Building in 1875 near Wall Street. It had an excellent location with three entrances on Broadway (Manhattan), Pine Street, and Cedar Street. The edifice had six elevators and incomparable facilities for lawyers, who were located almost entirely in the building's upper stories. Aside from Hyde, who was president of Equitable, the firm's officers included James Waddell Alexander (Vice President), George W. Phillips (Actuary) who was Vice President of the Actuarial Society of America, and Samuel Borrowe (Secretary). Borrowe's family was a prominent New York family connected to the Hallett and Alsop families.

James Waddell Alexander, the son of James Waddel Alexander, was the company president at the time of the Hyde costume ball scandal in 1905, in which James Hazen Hyde, the son of the founder and a vice president of the company, was falsely accused through a media smear campaign initiated by Alexander and board directors E. H. Harriman, Henry Clay Frick, J.P. Morgan of charging a fabulous $200,000 costume ball to the company. The repercussions rocked Wall Street, and resulted in an investigation of the entire insurance industry by the State of New York.

After the company's headquarters building burned down in 1912, Equitable moved to the Equitable Building at 120 Broadway in Manhattan.

unique code : F2AHR9MF52G3
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American International Group (AIG)

American International Group, Inc., or AIG, is an American multinational insurance corporation. Its corporate headquarters is reported as 180 Maiden Lane in New York City (was formerly in the American International Building in New York City). The British headquarters office is on Fenchurch Street in London, continental Europe operations are based in La Défense, Paris, and its Asian headquarters office is in Hong Kong. According to the 2011 Forbes Global 2000 list, AIG was the 29th-largest public company in the world. It was listed on the Dow Jones Industrial Average from April 8, 2004 to September 22, 2008.

AIG suffered from a liquidity crisis when its credit ratings were downgraded below "AA" levels in September 2008. The United States Federal Reserve Bank on September 16, 2008 created an $85 billion credit facility to enable the company to meet increased collateral obligations consequent to the credit rating downgrade, in exchange for the issuance of a stock warrant to the Federal Reserve Bank for 79.9% of the equity of AIG. The Federal Reserve Bank and the United States Treasury by May 2009 had increased the potential financial support to AIG, with the support of an investment of as much as $70 billion, a $60 billion credit line and $52.5 billion to buy mortgage-based assets owned or guaranteed by AIG, increasing the total amount available to as much as $182.5 billion. AIG subsequently sold a number of its subsidiaries and other assets to pay down loans received, and continues to seek buyers of its assets.

AIG history dates back to 1919, when Cornelius Vander Starr established an insurance agency in Shanghai, China. Starr was the first Westerner in Shanghai to sell insurance to the Chinese, which he continued to do until AIG left China in early 1949—as Mao Zedong led the advance of the Communist People's Liberation Army on Shanghai. Starr then moved the company headquarters to its current home in New York City. The company went on to expand, often through subsidiaries, into other markets, including other parts of Asia, Latin America, Europe, and the Middle East.

In 1962, Starr gave management of the company's lagging U.S. holdings to Maurice R. "Hank" Greenberg, who shifted its focus from personal insurance to high-margin corporate coverage. Greenberg focused on selling insurance through independent brokers rather than agents to eliminate agent salaries. Using brokers, AIG could price insurance according to its potential return even if it suffered decreased sales of certain products for great lengths of time with very little extra expense. In 1968, Starr named Greenberg his successor. The company went public in 1969.

Beginning in 2005, AIG became embroiled in a series of fraud investigations conducted by the Securities and Exchange Commission, U.S. Justice Department, and New York State Attorney General's Office. Greenberg was ousted amid an accounting scandal in February 2005; he is still fighting civil charges being pursued by New York state. The New York Attorney General's investigation led to a $1.6 billion fine for AIG and criminal charges for some of its executives. Greenberg was succeeded as CEO by Martin J. Sullivan, who had begun his career at AIG as a clerk in its London office in 1970.

AIG purchased the remaining 39% that it did not own of online auto insurance specialist 21st Century Insurance in 2007 for $749 million.With the failure of the parent company and the continuing recession in late 2008, AIG rebranded its insurance unit to 21st Century Insurance. 

On June 15, 2008, after disclosure of financial losses and subsequent to a falling stock price, Sullivan resigned and was replaced by Robert B. Willumstad, Chairman of the AIG Board of Directors since 2006. Willumstad was forced by the US government to step down and was replaced by Edward M. Liddy on September 17, 2008. AIG's board of directors named Robert Benmosche CEO on August 3, 2009 to replace Mr. Liddy, who earlier in the year announced his retirement.

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American National Insurance Company

American National Insurance Company (ANICO) is a major American insurance corporation based in Galveston, Texas. The company and its subsidiaries operate in all 50 U.S. states, the District of Columbia, Puerto Rico, and American Samoa.

Company description
American National was founded in 1905 by Galveston businessman William Lewis Moody, Jr. Today the company offers a wide array of insurance products and services including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services. Through its subsidiary, ANREM, the company founded and developed the large-scale housing development, South Shore Harbour, in League City, Texas.

Although a publicly traded company, the majority of the stock continues to be controlled by the Moody family through the Moody Foundation and Libby Shearn Moody Trust, which are administered by the trust department of the family owned Moody National Bank.

Financial ratings
American National is subject to insurance regulation and examination by all 50 states as well as federal entities like the U.S. Securities and Exchange Commission (SEC) and Federal Trade Commission. In addition, its records are audited by KPMG as well as the major financial rating agencies. The ratings reflect the company’s capitalization, operating performance and liquidity. American National was listed in Forbes Magazine in its "100 Most Trustworthy Companies" list for 2009.
  • A. M. Best Company: A (Excellent)
  • Standard and Poor's: AA- (Very Strong)

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American Income Life Insurance Company

American Income Life Insurance Company (formerly NASDAQ: AINC), based in Waco, Texas, provides supplemental life insurance to labor unions, credit unions, and associations. American Income Life (AIL) was founded in 1951. The company's executive offices have been located in Waco, Texas, since 1959. American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly owned subsidiaries: National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland.

AIL has more than two million policyholders (as of June 2010). With its New York subsidiary, National Income Life Insurance Company (NILICO), the company has combined assets of more than $2.2 billion, with more than $35.2 billion of life insurance in force (as of December 2010). American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.

The company's history began in 1951 under the name American Income. American Income was chartered as a mutual assessment association in Indiana with $25,000 of borrowed capital. It was reinsured through American Standard as a new mutual reserve company in March 1951. American Income Insurance Company was officially founded in May 1951 by the company's president, Harold Goodman, and executive vice president, Bernard Rapoport (Goodman's nephew).

The company's home offices were located in Indianapolis, Indiana. American Income originally sold low-cost hospital insurance plans. During its first year, the company took in about $95,000 worth of premium income. The company reached $1 million worth of insurance premiums in 1953. By 1954, the company was receiving 6,000 insurance policy applications per month.

In September 1954, with $200,000 in capital and $100,000 of surplus, Goodman and Rapoport formed a new company called American Income Life Insurance Company (AIL). American Income Life reinsured the policies of American Income and was transformed from a mutual reserve company to a stock company. American Standard, the company's original insurer, was merged with American Income Life, and the company acquired about $400,000 worth of premiums.

Between 1954 and 1955, AIL's assets had doubled, its net reserve had tripled, its capital and surplus more than doubled, and it had about $15 million of insurance in force. In 1956, Rapoport desired to take the Indiana-based company national. He obtained a license in Ohio and opened a central office in Columbus. By the close of 1956, American Income Life was operating in thirteen states with 300 sales personnel in the field operating out of 96 general agencies. In March 1958, the company's home offices were moved from Indianapolis, Indiana, to Waco, Texas.

In 1961, AIL began providing supplemental insurance to members of labor unions and serving union policyholders in ways unfamiliar to the industry. For example, AIL waived payment of premiums by union members during an authorized strike action, a benefit still enforced in 2011. AIL also developed a college scholarship program for children of union members, and the company contributed to the strike funds of unions engaged in lawful strikes. The company was positioned as the only 100% union insurance company, and termed the phrase, “Be Union-Buy Union." In 1963, AIL's income was about $6 or $7 million. By 1973, income reached $31.5 million.

In June 1966, the Office and Professional Employees International Union (OPEIU) organized the Home Office staff, making AIL the only insurance company with all union employees. In October 1973, the company was granted an official designation as a Union Label company by the AFL-CIO. AIL was one of only two insurance companies in the entire United States with the official Union Label.

In 1994, American Income Life was sold to Torchmark Corporation for $563 million.

The total Lay-Off Waiver of Premium paid in 2010 was $1.3 million. This Lay-off Waiver of Premium provides for a waiver of premiums while the insured is on a qualified lay-off and is actively seeking work. 

American Income Life also paid a total of $124.4 million in life and health claims for 2010.
American Income Life Insurance Co. is suing Google Inc. and the unnamed owners of two websites for featuring unflattering web pages in the top page of search results for American Income Life Insurance
Products : Supplemental health and life insurance
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American Family Insurance

American Family Insurance (aka AmFam) is a private mutual company that focuses on property, casualty and auto insurance, but also offers commercial insurance, life, health, and homeowners coverage, as well as investment and retirement-planning products. A Fortune 500 company, its revenues for 2008 were over $6.7 billion.

American Family Insurance's history began on October 3, 1927, when insurance salesman Herman Wittwer opened the doors of Farmers Mutual Insurance Company in Madison, Wisconsin (not to be confused with the Farmers Insurance Group). At the time, the company's only product was auto insurance and its target market was farmers. Wittwer believed farmers presented lower risks than city drivers because they drove less often and not at all in the winter.

Over the years, Farmers Mutual expanded its market and product line to meet the changing needs of its customers. In 1963, Farmers Mutual changed its name to American Family Mutual Insurance Company to reflect its broader customer base

Companies of the American Family Insurance Group include:
American Family Mutual Insurance Company (AFMIC)
American Standard Insurance Company (ASIC)
American Family Life Insurance Company (AFLIC)
American Family Brokerage, Inc. (AFB)
American Family Insurance Company of Ohio (AFICO; Ohio subsidiary, companion to American Family Mutual Insurance Company)
American Standard Insurance Company of Ohio (ASICO; Ohio subsidiary; companion to American Standard Insurance Company of Wisconsin)
American Family Securities, LLC (AFS) Inc.(AMFAM)

American Family insurance products include: term, universal, and whole life insurance; personal and business auto insurance, personal umbrella insurance, home insurance; motorcycle, boat, motor home, snowmobile and car insurance; business liability key policy, and business policy package insurance; farm and ranch liability insurance; travel, trip cancellation, and global medical insurance
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How to Choose the Best Insurance Companies

Growth in insurance agencies that are not accompanied by an increase in the quality of service, excellence program, and financial strength of the company, it will backfire and harm the customer in the end. Use the 8 (eight) telling indicator is to find you the best insurance companies. Do not get because of the negative rumors or insurance information of the offenders who are not responsible, then have to keep you and your family from the very noble function of insurance.

Rapid growth and is not accompanied by an increase in the quality of service, excellence program, and the financial strength of the company, it will backfire and will harm the customer in the end. Therefore, it is necessary to know how to choose the right company to become asset managers and plan your financial future.

Some of the things on which the considerations are: 
  1. Ranking companies  
  2. Age company  
  3. Corporate network 
  4. Financial performance of the company 
  5. Customer service standards of service 
  6. Performance company 
  7. Vision and targets enterprise 
  8. Cooperation sale 

By using eight indicators mentioned above, would be able to help you reduce the risk of the wrong choice then the results are not satisfactory service with the program and the performance so far behind in comparison to other competitors. Moreover, the insurance program is projected to need very long. Do efforts to prove to the indicator with a professional agent or a reliable source. Do not get because of the negative rumors or insurance information of the offenders who are not responsible, and should keep you from the insurance function that is very noble.
image : Germani Insurance
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what is Health Insurance ?

Health Insurance - Understanding Different Types of Health Insurance Products and Programs

Health insurance is one of the insurance products that are offered by insurance companies that guarantee health care costs or the cost of care while in the hospital. So, when a member insurer fell ill and had to be treated then all the costs to be incurred will be covered by insurance.There are two types of treatment offered by insurers to policyholders, inpatient and outpatient. 

The insurance company that provides health insurance include life insurance companies, social insurance companies and insurance companies generally.

1. Health insurance with managed care patterns
In this method of insurance, insurers usually have hospitals and doctors and clinics from their partners. So, you can select them according to the existing list. So, every insurance holder is entitled to have their doctor, the cost of the visit is free of charge, except for prescription drugs from a doctor. If the insured treatment outside of the doctor or hospital partners, insurers will not be claimed.

Self insurers pay doctors or hospitals that are included in their partner network every month and are calculated based holders of insurance not been served. So, the doctors will be more motivated to maintain public health

2. Insurance indemniti method
Insurance indemniti method has the flexibility for you to choose a doctor or hospital anywhere you want. If you use the care of a doctor or hospital not associate the insurance, then you will get a system change or you can make a claim. However, if you use the care of a doctor or hospital that is a partner of the of the insurance, you do not need to pay cash. The important treatment is consistent with the treatment options covered by insurance.

However, this type of insurance also has rules regarding the limited number of claims such as deductibles, co-insurance and co-payments that vary from one insurer to another. Therefore, you need to be careful and pay attention to the various terms and conditions apply.

3. Self-insurance by the company
The company may place you worked there who set aside funds to pay for your health. Insurance benefits vary from one company to another because it depends on your company's ability to work. So, the company has established a number of cost coverage. If the employee exceeds the cost of the treatment, it is no less the reimbursement. But if less, the remaining funds can be 'burnt' or given in cash.

Well, from here you have been provided regarding health insurance. For those of you who need health insurance, you can consider the points the explanations given for your convenience.
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How to Choose Car Insurance Products

The increasing production and use of a car then buying car insurance is increasing and is becoming a trend. Especially now also become frequent accidents that car insurance is required.

This will reduce the risk of losses due to car accidents. Insurance vehicle itself has a specific definition as to bear the insurance risk vehicle that may occur to your vehicle will be transferred to the insurance company. Well, for selecting vehicle insurance, you need to pay attention to financial strength, service and the cost of services provided or expenses.

Own vehicle insurance has two types:
  • car Insurance
  • Motorcycle Insurance

However, the most common vehicle insurance in Indonesia is car insurance. Well, whatever be your consideration to choose and buy car insurance?

Here are some tips that can be thought or consideration about car insurance:

1. Quality 
Quality has always been number one, car insurance is no exception. Well, you can choose a car insurance that already has a good title like getting awards, including Best General Insurance, Indonesian Customer Satisfaction Award and the Indonesian Best Brand Award which could be a reference that auto insurance is reliable, reliable and responsible.

2. Cost at own risk 
We recommend that you choose a car insurance claim received one to set a collision course in a different time, instead of applying the system of car insurance claims per accident or a collision. Of course you have to pay for own risk several times of having to go back and forth to the garage. Not to mention the likely outcome is unsatisfactory workmanship workshop karea an unauthorized repair shop. Well, a car insurance claim received one then you do not need very often to the workshop that ultimately did not make you lose because they have to pay a fee Own Risk or OR, do not waste your time, let alone shop is authorized workshops.

3. Note workshop partner insurers 
As already mentioned in the beginning then choose the insurance company that has a workshop partner who does have good credibility. This will make you not have to commute workshop because the process is wrong and will not waste your time.

4. The process of car insurance claims
 It is best to choose the insurance claims process is not complicated alias easy. There are some auto insurers who set complex rules such as the need to wait the surveyor and then have to argue again and receipt of Work Order or SPK also take several days for the workshop can do repair work on your car. Of course this will make you waste a lot of time. Therefore, choose car insurance that provides insurance claims and receive a Work Order in the matter of less than 30 minutes.

5. Spare-Part Original 
Choose a car insurance is to ensure that spare parts used are original and have warranty so can not cause harm to you.

6. Feature third party liability 
Sometimes the accident actually caused the third party damage is more severe than ours. Not to mention if the driver or passengers are also affected by the consequences. Therefore, you can choose and buy car insurance that provides liability to third parties bigger so you can not burdened by extra costs, then the driver or the passenger also has no protection. 

7. Protection 24 hours
 Did you know that there are some car insurance which has provisions boundaries and hours? Therefore, Watch for car insurance provision. Should choose car insurance that guarantees protection outside the area and have a phone number that can easily be reached for 24 hours in order to minimize your anxiety to travel. Moreover, car insurance can make you not worry about your car.
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How to Choose a Insurance Companies are Good and Reliable

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 assurance 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 insurers that have received a license or authorization from a state for the purpose of writing specific kinds of insurance in that state, such as automobile insurance or homeowners' insurance. They are typically referred to as "admitted" insurers. Generally, such an insurance company must submit its rates and policy forms to the state's insurance regulator to receive his or her prior approval, although whether an insurance company must receive prior approval depends upon the kind of insurance being written. Standard line insurance companies usually charge lower premiums than excess line insurers and may sell directly to individual insureds. They are regulated by state laws, which include restrictions on rates and forms, and which aim to protect consumers and the public from unfair or abusive practices. These insurers also are required to contribute to state guarantee funds, which are used to pay for losses if an insurer becomes insolvent.

Insurance companies are generally classified as either mutual or proprietary companies. Mutual companies are owned by the policyholders, while shareholders (who may or may not own policies) own proprietary insurance companies.

Demutualization of mutual insurers to form stock companies, as well as the formation of a hybrid known as a mutual holding company, became common in some countries, such as the United States, in the late 20th century. However, not all states permit mutual holding companies.

Other possible forms for an insurance company include reciprocals, in which policyholders reciprocate in sharing risks, and Lloyd's 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 provide information and rate the financial viability of insurance companies.
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