Transamerica Financial Life Insurance Company is one of the Transamerica Group of Companies. In 1928, A.P. Giannini founded a holding company called Transamerica Corporation, with the idea that he would invest in and serve the often overlooked small businesses and farmers in his community. Giannini's desire to take care of people in his own neighborhood soon grew into an insurance and banking empire that reached far beyond his dreams. Transamerica is a wholly owned subsidiary of AEGON USA. Transamerica still follows the guiding principle set forth by A.P. Giannani three-quarters of a century ago - that we are in the business of helping people.

ReliaStar Life Insurance Company (ReliaStar) is a member of the ING family of companies, and is a wholly-owned indirect subsidiary of ING Group N.V. (ING Group). ING Group is a global financial services company of Dutch origin with 150 years of experience, providing a wide array of banking, insurance and asset management services in over 50 countries. ReliaStar, originally incorporated under the laws of Minnesota on September 15, 1885, was acquired by ING Group in September 2000. ReliaStar is currently licensed in all states (an accredited reinsurer only in NY). ReliaStar's administrative offices are located in Atlanta GA. Insurance product obligations for products issued by ReliaStar are the sole responsibility of ReliaStar Life Insurance Company.

In 1997, West Coast Life Insurance Company became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders. West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of almost 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family. Our excellent reputation is based in part on these pre-eminent values - quickness to respond, quality, serving our people and growth.

First Colony Life incorporated in 1955. In 1982, Ethyl Corporation, Richmond, VA acquired all outstanding shares of First Colony Life. In 1996, First Colony Life was acquired by the General Electric Company. Following an IPO in 2004, First Colony Life and other financial companies in GE were grouped as a new holding company called Genworth Financial. In 2005, Genworth Financial became a fully independent company with First Colony Life as one of its underwriting entities.

The Liberty Life Insurance company is owned by RBC Insurance and has been providing insurance solutions for more than a century. Headquartered in Greenville, South Carolina, Liberty Life Insurance provides a wide and diversified range of insurance protection and wealth accumulation products, including Life and Health Insurance. Liberty Life ranked 86th in total life insurance issued in A.M. Best's 2005 ranking of top U.S. Life Insurers. The A.M. Best Company has rated Liberty Life Insurance Company "A" (Excellent). Global Finance Media recognizes the company as "one of the world's most eminent institutions."

American General Life Insurance Company Houston, TX | NAIC #60488 The American General Life Insurance Company was incorporated in 1960. Over the years American General has completed a number of strategic acquisitions, both expanding its national presence and adding new financial products and services. In 2001, the company was acquired by American International Group, Inc. (AIG). American General's standout performance, strong financial ratings and prominent reputation are enhanced by AIG, one of the largest financial services companies in the world.

Household Life Insurance Company and First Central National Life Insurance Company of New York, under the trade name HSBC Insurance, are indirect subsidiaries of HSBC North America Holdings Inc. The companies are rated as "A Excellent" (third highest rating of 16) by A. M. Best Company. HSBC - North America is one of the top 10 financial services companies in the United States with assets approaching $300 billion. HSBC - North America includes all of HSBC's U.S. and Canadian businesses, including HSBC Finance Corporation (formerly Household International) businesses, which were acquired in March, 2003.

Fidelity Life Association was established in 1896 in the state of Illinois. Designed to provide financial security for American families, Fidelity Life has continued to make the purchasing of Life Insurance simpler and more efficient than ever imagined. Proud of its distinction as a progressive-minded company, Fidelity Life thinks in the long term, and works collaboratively with its team members to create a broad array of insurance products for policyholders, all at very attractive rates. Fidelity Life has over $22 billion of life insurance in-force, over $500 million in admitted assets, and capital and surplus in excess of $250 million. The A.M. Best Company, the foremost rating authority for the insurance industry has rated Fidelity Life Association "A-Excellent."