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APA Insurance - A New Dimension in Insurance

APA Insurance was formed in 2003 following the merger of Apollo and Pan-Africa General divisions to form the largest insurer in East and Central Africa - APA Insurance LimitedIn the six years APA Insurance has been in business, we have seen our turnover grow sixfold to 3.6 billion in year 2009. APA Insurance is known for its innovativeness having been the first insurance company in Kenya to undertake HIV/AIDS cover. We believe in providing affordable insurance for all Kenyans. This is achieved through our tailor-made solutions which are crafted in consultation with our clients.

APA Insurance Ltd, incorporated in 2003, commenced its operation on 1st January 2004. Born from the merger of general businesses of Apollo Insurance Company Ltd and Pan Africa General Insurance Company Ltd, APA Insurance Ltd carries a wealth of eighty years combined experience from the parent organisations.

APA Insurance underwrites Health, Marine, Aviation and other General Insurance risks. The Company has long established re-insurance relationships with major international re insurers and has the capacity to underwrite large risks.

APA Insurance has shown exceptional growth since 2004, the first year of operation. In the quest to be the largest underwriter of general insurance in the region APA Insurance (Uganda) opened in January 2009. - Reliance Insurance Co Ltd  is the  associate company in Tanzania.

APA Insurance has grown to be the industry leader with a turnover of +3B as at 31st December, 2008.

APA is now the biggest insurance company in Kenya.

APA Insurance is well placed to provide expert and professional services to all its clients and proving to be A New Dimension in Insurance.

WellPoint, Inc. is the largest managed health care, for-profit company in the Blue Cross and Blue Shield Association. It was formed when WellPoint Health Networks, Inc. merged into Anthem, Inc., with the surviving Anthem adopting the name, WellPoint, Inc. and began trading its common stock under the WLP symbol on December 1, 2004. In 2009, WellPoint sold its NextRx subsidiaries to Express Scripts for $4.675 billion.

WellPoint is an independent licensee of the Blue Cross and Blue Shield Association and serves its members as the Blue Cross licensee for California; the Blue Cross and Blue Shield licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York (as Blue Cross Blue Shield in 10 New York City metropolitan counties and as Blue Cross, Blue Shield or Blue Cross Blue Shield in selected upstate counties only), Ohio, Virginia (excluding the Northern Virginia suburbs of Washington, D.C.), Wisconsin; and through UniCare. In addition to Blue Cross, the company also operates under the Anthem name.

American International Assurance known as AIA (Chinese: ??????) is an insurance company based in Hong Kong. It has offices in Asia-Pacific region including Taiwan, China, Australia, New Zealand, Japan, India, Sri Lanka, Malaysia, Macau, South Korea, Thailand, Philippines, Singapore, Brunei and Vietnam. Holdings include Philippine American Life and General Insurance Company and minority stakes in TATA AIA Life Insurance and TATA AIG General Insurance.

It was a member of American International Group, but separated from the group in 2009 after it was finalized that AIA as well as ALICO (another AIG subsidiary) were placed under the administration of a Special Purpose Vehicle in exchange for the Federal Reserve Bank of New York.

According to the statistics from the Office of the Commissioner of Insurance (??????), AIA being the number 1 of Hong Kong insurance company in terms of the number of policies, its market share in Hong Kong Insurance market (on Non-Linked Individual Business) is 26% and sum assured worth more than 400 billion HKD (i.e. more than $ 50 billion).

AIA was planned to be listed in Hong Kong Stock Exchange in April 2010. However, in March 2010, Prudential plc, a United Kingdom-based financial services company, announced that it will buy AIA for $35.5 billion.[4] The purchased later fell through, and AIA held an IPO later in October 2010 raising $20.51 billion, the third largest ever IPO

The Blue Cross Blue Shield Association (BCBSA) is a federation of 38 separate health insurance organizations and companies in the United States. Combined, they directly or indirectly provide health insurance to over 99 million Americans. The history of Blue Cross dates back to 1929, while the history of Blue Shield dates to 1939. The Blue Cross Association dates back to 1960, while its Blue Shield counterpart was actually created in 1948. The two organizations merged in 1982, forming the current association.

History

Blue Cross and Blue Shield developed separately, with Blue Cross plans providing coverage for hospital services, while Blue Shield covered physicians' services.

Blue Cross is a name used by an association of health insurance plans throughout the United States. Its predecessor was developed by Justin Ford Kimball in 1929, while he was vice-president of Baylor University's health care facilities in Dallas, Texas. The first plan guaranteed teachers 21 days of hospital care for $6 a year, and was later extended to other employee groups in Dallas, and then nationally. The American Hospital Association (AHA) adopted the Blue Cross symbol in 1939 as the emblem for plans meeting certain standards. In 1960 the AHA commission was superseded by the Blue Cross Association. Affiliation with the AHA was severed in 1972.

The Blue Shield concept was developed at the beginning of the 20th century by employers in lumber and mining camps of the Pacific Northwest to provide medical care by paying monthly fees to medical service bureaus composed of groups of physicians. The first official Blue Shield Plan was founded in California in 1939. In 1948 the symbol was informally adopted by nine plans called the Associated Medical Care Plan, and was later renamed the National Association of Blue Shield Plans.

In 1982 Blue Shield merged with The Blue Cross Association to form the Blue Cross and Blue Shield Association.

Prior to the Tax Reform Act of 1986, organizations administering Blue Cross Blue Shield were tax exempt under 501(c) as social welfare plans. However, the Tax Reform Act of 1986 revoked that exemption because the plans sold commercial-type insurance. They became 501(m) organizations, subject to federal taxation but entitled to "special tax benefits" under IRC 833. In 1994, the Blue Cross Blue Shield Association changed to allow its licensees to be for-profit corporations. Some plans[specify] are still considered not-for-profit at the state level.

Assurant, Inc. is a holding company with businesses that provide a diverse set of specialty, niche-market insurance products in the property, casualty, life and health insurance sectors. The company�s four operating segments are Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property.

The company, formerly known as Fortis, Inc., was spun off from Dutch and Belgian financial-services company Fortis Insurance N.V. in 2004. The company�s initial public offering on Feb. 5, 2004 at $1.76 billion was the fourth largest that year. In connection with the public offering, the company changed its name to Assurant, Inc.

Headquartered in New York City, Assurant is 285 on the Fortune 500 list of the largest publicly traded companies in the United States. It also is included in the Ward�s 50, which recognizes the top property-casualty insurance companies domiciled in the United States.

History

Assurant recently celebrated its 120th anniversary, tracing its roots back to founding of the La Crosse Mutual Aid Association, which was established to sell disability insurance in Wisconsin in the early 1890s. La Crosse Mutual Aid Association would later become the Time Insurance Company. In 1978, N.V. AMEV of the Netherlands acquired the Time Insurance Company (now Assurant Health) via its U.S. holding company AMEV Holdings, Inc. During the next 12 years, AMEV Holdings, Inc. would expand through acquisition, buying American Security Insurance (credit-related insurance); United Family (funeral insurance); Western Insurance Company (mutual funds); and Superior Insurance (auto insurance). In 1990, N.V. AMEV of the Netherlands acquired VSB Groep NV bank to become the Netherlands first financial conglomerate combining an insurer and a bank, creating Fortis. AMEV Holdings, Inc. was rebranded Fortis, Inc. in 1991. The business was subsequently renamed as Assurant and spun off from the parent company. 

Products and Services

In March 2010, Assurant Solutions and IBM unveiled a Real-Time Analytics Matching Platform (RAMP) to improve call center performance. RAMP is an application that works by analyzing historical data about the individual caller and the skill set of customer service representatives to optimize the routing of the call. As calls come in they are assigned to a customer service representative based on their expertise and past performance, improving customer response and retention rates.

In May 2012, Assurant launched solar project insurance for developers of mid-size (100 kW to 3 MW) solar projects.

Amerigroup (NYSE: AGP) is an American managed care company, with two main goals: to meet the needs of Amerigroup members while keeping costs low. Amerigroup has more than 2.7 million members, and currently operates in 13 states nationwide including Florida, Georgia, Louisiana, Maryland, Nevada, New Jersey, New Mexico, New York State, Ohio, Tennessee, Washington, Texas, and Virginia and expects operations to its 14th state, Kansas, as a result of a previously awarded state contract. It is a Fortune 500 company.

History
Amerigroup began as AMERICAID Community Care in 1994 and was initially aimed at the health care problems of children, mothers and pregnant women enrolled in Medicaid. Amerigroup became a publicly traded corporation in the fall of 2001. Today, Amerigroup serves more than 2.7 million members including Supplemental Security Income recipients, seniors and people with disabilities, many with complex physical and psychological illnesses. In 2006, Amerigroup entered the Medicare Advantage program, serving low-income people who are eligible for both Medicare and Medicaid through special needs plans. In 2007, Amerigroup began the operation of traditional Medicare Advantage plans. Currently, Amerigroup offers health care services through three government programs that target different segments of the country�s low-income population: Medicaid, the Children�s Health Insurance Program (CHIP) and Medicare

Health Care Products :

Sun Life Financial Inc. is an international financial services company known primarily as a life insurance company. Based in Toronto, Canada, Sun Life and its partners provide insurance, retirement and investment solutions for individuals and businesses around the world including Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life ranks number 236 on the Forbes Global 2000 list for 2010.

Our success over the last 140 years has lain largely in our ability to evolve. While our mission has always been to help customers achieve lifetime financial security, our practices and products have adapted to the times to ensure our business has always reflected the world our customers live in.

The same is true of our brand. At Sun Life, our brand defines how we conduct business and speaks of our values. It�s what sets us apart in such a crowded marketplace. It�s a brand that 1 in 5 Canadians has a relationship with, along with millions more across the U.S., the U.K. and Asia.

Our brand drives the products and services we offer. It drives our commitment to environmental sustainability and corporate responsibility, and fuels our support for causes around the world. It's embedded in our culture and reflected in the way we treat our employees, advisors, clients and our communities.

It's why life is brighter under the sun.

Sun Life Financial worldwide

We're Sun Life. We're a leading international financial services company, building on our strengths for over 140 years.

We've known who we are from the dawn of our history, and it has served us well. After all these years our commitment to our customers is unwavering. We want our customers to achieve the peace of mind that comes with a lifetime of financial security. It's at the centre of all we do.

Our mission, vision and values are the DNA of our organization. These commitments drive us forward and touch every business decision. From our culture to the products and services we offer around the globe - we are a company dedicated to our customers' financial success.

HealthMarkets, Inc is a holding company, formerly known as UICI, headquartered in North Richland Hills, Texas.

HealthMarkets' subsidiary insurance companies, The Chesapeake Life Insurance Company�, Mid-West National Life Insurance Company of TennesseeSM, and The MEGA Life and Health Insurance CompanySM, offer supplemental insurance and selected life insurance products through independent agents. The subsidiary insurance companies also offer health benefit plans that comply with the Patient Protection and Affordable Care Act in five states.)

Historically, the subsidiary insurance companies' health products were marketed to members of certain associations. Those associations included the National Association for the Self-Employed (NASE), The Alliance for Affordable Services (AAS) and Americans for Financial Security (AFS) through contractual relationships. In December 2009, the subsidiary companies discontinued their contractual relationship with NASE. Currently, the requirement of association membership for access to health plans varies by product and by state. Supplemental insurance plans available through Chesapeake do not require an association membership.

The company, rated #826 by Fortune (2006), is owned by a group of private equity investors, including affiliates of The Blackstone Group, Goldman Sachs Capital Partners and DLJ Merchant Banking Partners, members of management and the Company�s independent, licensed agents through the Company�s agent stock accumulation plans. HealthMarkets won the Stevie Award for Insurance Sales Organization of the Year and was recognized in six other categories in the 2007 Selling Power Sales Excellence Award. HealthMarkets was also listed #189 by Forbes (2007) in their annual list of "America's Largest Private Companies" 

The company has been the subject of legal disputes and regulatory fines related to their business practices. In 2008, regulators from 35 states and the District of Columbia released a report outlining problems they said occurred from 2000 - 2005. Those included inadequate training and supervision of agents and delays in claims payments. The report included requirements for specific corrective actions. In a July 3, 2012 press release about the final settlement agreement, Oklahoma Insurance Commissioner John D. Doak said, �HealthMarkets Inc. has made substantial improvements � (They) paid attention, implemented new controls and addressed virtually every problem identified in the original examination. This turnaround is a regulatory success.�

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."

History

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.

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.

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.

History
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

Website : http://www.axa-equitable.com

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 D�fense, 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.

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.

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.

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.

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)

Amfam.com 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