Hiscox, headquartered in Bermuda is a specialist insurer, underwriting a particular range of personal and commercial risks. We believe that by specialising we can deliver real value to our customers in our chosen areas. We do not deal in 'commodity' insurance, but concentrate on insurance where brains make a difference to each transaction. A fundamental criterion in all our underwriting is that who we insure is more important than what we insure. By dealing only with honest and careful customers, we will have fewer claims and be able to quote wider cover with lower premiums, backed by rapid and fair payment of claims and excellent service. Our focus gives us two significant and distinctive advantages. First, we can often insure risks other companies find too complex or unusual to cover; second, we can tailor policies very closely to the individual customer's requirements. This combination of selectivity and exceptional expertise has, over the course of a century, driven us from a single underwriter based at Lloyd's into a FTSE 250 company with offices in 12 countries and customers around the world.
Manulife Financial Corporation (MFC) is a life insurance company and the holding company of The Manufacturers Life Insurance Company (MLI) and John Hancock Financial Services, Inc. (JHF). The Company provides a range of financial products and services, including individual life insurance, group life and health insurance, long-term care insurance, pension products, annuities, and mutual funds, to individual and group customers in the United States, Canada and Asia. The Company also offers reinsurance services, primarily life, and property and casualty retrocession, and provides investment management services with respect to the Company’s general fund and segregated fund assets and to mutual funds, and institutional customers. The Company’s segments are United States Insurance and United States Wealth Management, which combine to form the United States Division, as well as the Canadian, Asia and Japan, and Reinsurance Divisions and the Corporate, and Other segment. (Source: ARS)
ACE Limited its direct and indirect subsidiaries (collectively, the ACE Group of Companies) are a global property and casualty insurance and reinsurance organization. The Company provides a range of products and services to commercial and individual customers in more than 140 countries and jurisdictions. The Company operates through the four segments: Insurance-North American, Insurance-Overseas General, Global Reinsurance, and Life Insurance and Reinsurance. In April 2008, ACE Limited completed the acquisition of Combined Insurance Company of America and certain of its subsidiaries, from Aon Corporation.
AXA Financial Inc. (AXA Financial) is a diversified financial services organization offering a spectrum of financial advisory, insurance and investment management products and services. The Company is an asset manager, with total assets under management of approximately $888.63 billion as of December 31, 2007, of which approximately $800.39 billion were managed by AllianceBernstein. Through its insurance company subsidiaries, AXA Financial is also a life insurance organization. The Company is a wholly owned subsidiary of AXA, a holding company for an international group of insurance and related financial services companies. AXA Financial conducts operations in two business segments, the Financial Advisory/Insurance segment and the Investment Management segment. (Source: 10-K)
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