A Few Thoughts about Health Insurance from
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Allianz Inurance Company
http://aic-allianz.com

Date Incorporated: 9/16/1977 Gross Assets: $
State of Domicile: California Net Profit From Operations 2000: $
A.M. Best Rating: A++ (Superior)
(818) 972-8000
3400 Riverside Drive, Suite 300
Burbank, California 91505-4669

   A description will be available soon.
American National Insurance Company
http://www.anico.com

Date Incorporated: 3/17/1905 Gross Assets: $7.2 billion
State of Domicile: Texas Net Profit From Operations 2000: $
A.M. Best Rating: A+ (Superior)
(409) 763-4661
One Moody Plaza
Galveston, Texas 77550-7999

   A description will be available soon.
Arkansas Blue Cross and Blue Shield
http://www.arkbluecross.com

Date Incorporated: 12/10/1948 Gross Assets: $367 million
State of Domicile: Arkansas Net Profit From Operations 2000: $11 Million
A.M. Best Rating: A- (Excellent)
(501) 378-2000
601 Gaines
Little Rock, Arkansas 72201

   A description will be available soon.
Banner Life Insurance Company
http://www.LGAmerica.com

Date Incorporated: 4/28/1949 Gross Assets: $2.3 billion
State of Domicile: Maryland Net Profit From Operations 2000: $/font>
A.M. Best Rating: A+ (Superior)
(301) 279-4800
1701 Research Boulevard
Rockville, Maryland 20850

   Originally incorporated as Government Employees Life Insurance Company (GELIC) in 1949 the company became known as Banner Life Insurance Company in 1983 and relocated from Washington, D,C to Maryland. In 1987 the company entered into a reinsurance agreement with Monarch Life Insurance Company and Springfield Life Insurance Company to assume Monarch's traditional ordinary line life insurance business. Additional acquisitions include William Penn Life Assurance Company of America in 1991.
   Banner Life is a wholly owned subsidiary of Legal & General America, Inc. a United Kingdom company founded in 1836. Primary focus includes pension funds, life insurance, and general insurance. The parent company has operations in the United Kingdom, Franc, Holland, and the United States. Banner and William Penn are the presence of LGG in the United States insurance market.
Benchmark Insurance Company
http://www.awginc.com

Date Incorporated: 5/1/1964 Gross Assets: $
State of Domicile: Kansas Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(913) 722-0622
6701 West 64th Street, Suite 125, Bldg 5
Shawnee Mission, Kansas 66202

   A description will be available soon.
Conseco Medical Insurance Company
http://www.conseco.com

Date Incorporated: 11/4/1981 Gross Assets: $
State of Domicile: Illinois Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(815) 987-5000
222 Merchandise Mart Plaza
Chicago, Illinoi 60654

   A description will be available soon.
Continental General Insurance Company
http://www.continentalgeneral.com

Date Incorporated: 5/24/1961 Gross Assets: $
State of Domicile: Nebraska Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(402) 397-3200
8901 Indian Hills Drive
Omaha, Nebrask 68114

   A description will be available soon.
Federal Kemper Life Assurance Company
http://www.zurichkemper.com

Date Incorporated: 3/30/1905 Gross Assets: $19.815 billion
State of Domicile: Illinois Net Profit From Operations 2000: $
A.M. Best Rating: A+ (Superior)
(847) 550-5500
One Kemper Drive
Long Grove, Illinois 60049-0001

   Known as Kemper Life Assurance Company in the beginning and became known as Federal Kemper Life Assurance Company, Massachucetts in 1968.
   A subsidiary of the Kemper Corporation which is a subsidiary of the Zurich Financial Services Group (ZFS), of Zurich, Switzerland. Other affiliates include Kemper Investors Life Insurance Company, Zurich Life Insurance Company of America, and Fidelity Life Association. The affiliated life insurance companies operate under the trade name, Zurich Kemper Life (ZKL).
   Mergers include Federal Kemper Life Assurance Company in 1968.
First Penn Pacific Life Insurance Company
http://www.firstpenn.com

Date Incorporated: 6/19/1963 Gross Assets: $
State of Domicile: Indiana Net Profit From Operations 2000: $
A.M. Best Rating: A (Excellent)
(847) 466-8000
10 North Martingale Road
Schaumburg, Illinois 60173-2268

   A wholly owned subsidiary or the Lincoln National Life Insurance Company (LNL) a financial services proveider with about $140 billion in total assets. The focus of FPP is in annuities, universal life, and term life. The company sells universal life insurance under the brand name MoneyGuard. MoneyGuard provides single & flexible premium universal life contracts that can provide convalescent care benefits through accelerated death benefit riders.
   Originally known as Penn State Investors Life Insurance Company the company changed its name in 1969.
Fortis Insurance Company
http://www.fortishealth.com

Date Incorporated: 2/11/1910 Gross Assets: $
State of Domicile: Wisconsin Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(414) 271-3011
501 West Michigan Street
Milwaukee, Wisconsin 53203

   A description will be available soon.
Freedom Life Insurance Company of America
http://www.ascentassurance.com

Date Incorporated: 3/28/1956 Gross Assets: $
State of Domicile: Texas Net Profit From Operations 2000: $
A.M. Best Rating: NR-4 (Company Request)
(817) 878-3300
110 West 7th Street, Ste. 300
Fort Worth, Texas 76102

   A description will be available soon.
Golden Rule Insurance Company
http://www.goldenrule.com

Date Incorporated: 11/16/1940 Gross Assets: $
State of Domicile: Illinois Net Profit From Operations 2000: $
A.M. Best Rating: A (Excellent)
(618) 943-8000
712 Eleventh Street
Lawrenceville, Illinois 62439-2395

   A description will be available soon.
Great American Life Insurance Company
http://www.gafri.com

Date Incorporated: 12/15/1959 Gross Assets: $
State of Domicile: Ohio Net Profit From Operations 2000: $
A.M. Best Rating: A+ (Superior)
(513) 357-3300
P.O Box 5420
Cincinnati, Ohio 45201-5420

   The largest subsidiary of Great American Financial Resources, Inc. (GAFRI). Among the products offered by the holding company are, life insurance, annuities, supplemental health and related products. Before being acquired by in 1992, GALIC was owned by Great American Insurance Company a multi-line property & casualty insurer of American Financial Group (AFG).
   GAFRI's has a substantial annuity portfolio accounting for 83% of premium income. A primary focus has been on Tax Sheltered Annuities sold to school teachers.
   Mergers Include FN Life Insurance Company, Ohio, 1982, and First Benefit Insurance Company, Arizona, 1998.
Jackson National Life Insurance Company
http://www.jacksonnational.com

Date Incorporated: 6/19/1961 Gross Assets: $7.81 billion
State of Domicile: Michigan Net Profit From Operations 2000: $
A.M. Best Rating: A (Excellent)
(517) 381-5500
1 Corporate Way
Lansing Michigan 48951

   Jackson National is a subsidiary of Prudential Corporation plc of London England. Further, JNL is a subsidiary of Brooke Life Insurance Company of Lansing Michigan. The Prudential Corporation of England is one of the oldest and largest insurance companies in the world with funds under management of over $240 billion.
   Jacksonm National is focused primarily on life insurance and annuities of which there indexed annuity is one of the most popular in the annuity market.
   Mergers include Jackson National Life Insurance Company of Texas, 1989, Jackson National Life Insurance Company of Michigan, 1995.
North American Insurance Company for Life and Health
http://www.nacolah.com/

Date Incorporated: 7/29/1959 Gross Assets: $
State of Domicile: New York Net Profit From Operations 2000: $
A.M. Best Rating: A (Excellent)
(516) 228-8899
One Midland Plaza
Sioux Falls, South Dakota 57193-0001

   Sammons Financial Holdings Company purchased in 1966 the parent company, North American Company for Life and Health Insurance of New York (NACOLAH). The purchase included the subsidiary above (NANY). Ultimate ownership of the holding company is Sammons Enterprises, Inc. (SEI), which is a closely held corporation with diverse business interests including, 100% ownership in Midland National Life Insurance Company, South Dakota. Recent decisions to divest of stock ownership of cable television allowed capital to be freed to expand further into the life insurance business. Other names known by since founding, North American Accident Insurance Company until 1974. Recent merger in 2000, Royal Life Insurance Company of New York.
   NANY & NACOLAH focus on the sale of cost-effective life insurance protection for the middle & upper income market through term life insurance and also basic universal life products that de-emphasize the inside build up of cash value. Emphasis is on maximum life insurance protection rather than cash equity of policies. Careful underwriting and good persistency of policies issued have enabled the company to generate good earnings on a regular basis.
   Observations of Insurance Benefits Unlimited (IBU): Very competitive in the life insurance market with excellent service and very fair underwriting. One of our most recommended and purchased life insurance plans. We receive outstanding service from our brokerage office to get new cases issued.
Pacific Life Insurance Company
http://www.pacificlife.com

Date Incorporated: 1/2/1868 Gross Assets: $54,773 million
State of Domicile: California Net Profit From Operations 2000: $
A.M. Best Rating: A++ (Superior)
(949) 219-3011
700 Newport Center Drive
Newport Beach, California 92660

   A description will be available soon.
Protective Life and Annuity Company
http://www.protective.com

Date Incorporated: 11/20/1978 Gross Assets: $15 billion
State of Domicile: Alabama Net Profit From Operations 2000: $153 million
A.M. Best Rating: A+ (Superior)
(205) 879-9230
P.O. Box 2606
Birmingham, Alabama 3520-2606

   A wholy owned subsidiary of Protective Life Corporation (Protective). PLIC is the primary asset of Protective and the main focus is individual life insurance, dental insurance, credit life, disability insurance, guaranteed investment contracts, and annuities. Another interest of Protective is to acquire insurance policies from other companies.
   A part of the parent company is the operation of five life insurance companies: Empire General Life Assurance Corporation (EG), Protective Life & annuity corporation (PL&A), WCL, Western Diversified Life Insurance Company, and Lyndon Life Insurance company (LLIC). PL&A was formerly known as American Foundation Life Insurance Company. PL&A has provided ordinary life insurance and some group life insurance. PL&A began marketing dental, credit life, variable annuities, and single premium annuities in 1997 and 1998.
   Originally incorporated in 1978 as Alabama Foundation Life Insurance Company, changed its name to American Foundation Life Insurance Company in 1979, and Protective Life & Annuity Corporation 1n 1999. Mergers have included, Mississippi Valley Life Insurance Company, Arkansas, 1958, Trans-Continental Life and Accident Insurance Company, Arkansas, 1962, American Sentinel Life Insurance Company, South Carolina, 1981.
Regence Blue Cross Blue Shield of Utah

Date Incorporated: 12/22/1944 Gross Assets: $
State of Domicile: Utah Net Profit From Operations 2000: $
A.M. Best Rating: NR-5 (Not Formally Followed)
(801) 333/5294
2890 East Cottonwood Parkway
Salt Lake City, Utah 84121

   A description will be available soon.
United Healthcare of Arkansas, Inc.


Date Incorporated: 9/27-1990 Gross Assets: $
State of Domicile: Arkansas Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(501) 664-7700
415 North McKinley Street, Suite 820
Little Rock, Arkansas 72205

   A description will be available soon.
United Wisconsin Life Insurance Company
http://www.amschoices.com

Date Incorporated: 2/23/1966 Gross Assets: $
State of Domicile: Wisconsin Net Profit From Operations 2000: $
A.M. Best Rating: A- (Excellent)
(920) 661-6020
3100 AMS Boulevard
Green Bay, Wisconsin 54313

   A description will be available soon.