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Pensions products

ING Employee Benefits Global Network

http://www.ingemployeebenefits.com

ING Employee Benefits Global Network Country Profiles may be downloaded for personal use only, and may not be copied, distributed, modified, published, or sold without express written permission of the ING Employee Benefits Global Network. ING Employee Benefits Global Network has links to many industry websites to provide a comprehensive resource for our clients (link to websites outside the ING Employee Benefits Global Network site open in a new window). ING Employee Benefits Global Network is not responsible for the contents of these websites or the accuracy of the contents, and does not hold any copyright claim on their content.

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Guardian Financial Services

http://www.guardianfs.co.uk

Guardian was a provider of insured Life and Pensions products for over 180 years. During that time there were many changes in our own organisation as well as within the industry. Today, at our offices in Lytham St Annes, Lancashire, we, at AEGON, continue to administer all existing individual Life and Pensions policies for our current Guardian customers.

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LANDMARK STRATEGIES

http://www.lmstrategies.com

Landmark Strategies was founded in 1993 to provide professional consulting support for financial institutions and investment firms. The firm has conducted a wide range of economic research projects and competitor surveys. However, Landmark is primarily known for its expertise in specialty and guaranteed institutional products and for developing innovative marketing and competitive positioning strategies for these products based on solid economic and financial documentation. The firm offers technical expertise on historical patterns in investments and the economy and is experienced in investment simulation and diversification analysis, asset allocation, and asset/liability matching and risk analysis for guaranteed products. It's principal, Judy Markland, has a solid background in institutional asset markets, pension markets and the investment, actuarial, and regulatory aspects of guaranteed products, as well as financial sector strategic and competitive issues. Landmark specializes in new product development, product positioning and marketing support, and risk analysis and control, and pricing. Competitor and market analysis is used intensively to produce competitive and profitable products and strategies for clients. In addition, Landmark has an excellent reputation for its economic research in support of legislative initiatives and legal actions. Landmark is positioned to offer practical, yet strategic support on a cost-effective basis to clients. Because Judy Markland has such extensive experience with institutional investments and pension products and markets, the firm can offer professional support on a range of technical issues that would require the involvement of a large number of consultants at most firms.

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Scottish Equitable plc

http://www.scottishequitable.co.uk

We aim to provide understandable financial products that meet our customers' real needs. And we constantly look at ways to improve both the level of service we offer and the range of products we provide. We listen carefully to feedback, from individual customers as well as financial advisers, and develop innovative, forward-thinking ways of meeting their demands.

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Royal London Asset Management Limited

http://www.rlam.co.uk

The Royal London Asset Management (RLAM) website offers a range of focused information for institutional investors and the consultants who advise them, financial advisers and for private investors. To find out more about our business, our people and the services we can offer you, please browse the RLAM site. To get results you need to see things differently.

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National Life Insurance Company

http://www.nationallife.com

National Life markets its products through some 1,000 career agents and general agents, and over 3,000 independent managing general agents, agents and brokers throughout the United States. The company's career agents focus on providing financial solutions for individuals with an emphasis on those who manage their own business or professional practice, while agents in its Life Event marketing channel address a variety of client concerns through affordable, flexible life insurance products. Additional distribution capability is being developed to serve the insurance protection and financial planning needs in even broader markets. National Life Insurance Company is licensed in all 50 states and the District of Columbia, supporting and underwriting a comprehensive portfolio of life insurance, annuity and equity products. The company's associates and sales representatives focus on providing financial solutions to their clients needs in the form of life insurance protection, estate and business succession planning, deferred compensation, retirement planning and pension plans. In 1996, National Life acquired a majority interest in Life Insurance Company of the Southwest (LSW), a Dallas, Texas, based financial services company whose independent agents have been primarily involved in the 403(b) teacher retirement and pension-related markets. In 1999, National Life purchased the remaining outstanding shares of the company. LSW markets its products through more than 4,000 independent brokers, as well as National Life's career agency system and financial institutions. In 1998, voting policyholders of National Life Insurance Company approved a plan to reorganize the company into a mutual holding company structure. The application to reorganize had previously been approved by the Vermont Department of Banking, Insurance, Securities and Health Care Administration and by the company's Board of Directors. The Board determined that the new structure provides the company with the best range of options for continuing to grow and thrive while preserving and enhancing policyholder interests. In the year 2000, National Life celebrated 150 years of business and service to its customers. The company has grown from a small firm with a limited clientele and product portfolio to a dynamic and growing financial services company. But its goal in its earliest days remains essentially unchanged. Dr. Dewey wrote in his inaugural annual report to policyholders that "the primary object of managers of this company has been to maintain strength, so that no disappointment might befall those whose welfare depends on the integrity of its contracts." Strength and integrity remain essential corporate characteristics. That original concept is as valid at National Life today as it was when those words were originally penned.

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Winterthur Group

http://www.winterthur.com

Winterthur is the leading insurance company in Switzerland and is one of the top-ten composite insurers in Europe. Building on its 130-year history, the Group operates its life and pensions and non-life businesses primarily in Western Europe, as well as in Central and Eastern Europe, the United States of America and Asia. It distributes a well-balanced product portfolio through multiple channels and focuses on private clients and small and medium-sized enterprises. The Winterthur brand reflects a straightforward and entrepreneurial approach to business, a commitment to high-quality products and superior customer services. Winterthur is active in 17 countries and has about 19,000 employees serving 13 million clients worldwide. For 2005, the Group reported a total business volume of CHF 28.3 billion andheld CHF 153.3 billion of assets under management as of the end of 2005.

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Suncorp

http://www.suncorp.com.au

Suncorp-Metway Ltd. operates in various segments. Business Banking segment includes commercial banking, agribusiness, property and equipment finance. Retail Banking segment includes home, and personal and small business loans. General Insurance–Personal segment includes home and motor insurance, travel insurance, loan protection, rental bond, personal effects cover and compulsory third-party insurance. GeneralInsurance–Commercial segment includes commercial motor, marine and aviation insurance, public liability and professional indemnity insurance and workers’ compensation services. Wealth Management segment includes life insurance and superannuation administration services, funds management, financial planning and funds administration. Vero New Zealand segment includes Commercial motor and marine insurance, public liability and professional indemnity. The Other segment includes treasury and property management services. On March 20, 2007, it acquired Promina Group Limited. (Source: ARS)

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Standard Life plc

http://www.standardlife.ca

Standard Life plc is engaged in the asset managing business. The Company operates in five segments: United Kingdom financial services, Canada, Europe, Asia Pacific and Investment management. The United Kingdom financial services segment is a pension, long-term savings and investment provider. It offers a range of insurance and investment wrappers. Standard Life plc’s Canada segment offers savings, retirement and insurance products. The operations of the Europe segment consist of Standard Life Ireland and Standard Life Germany, which operates in both Germany and Austria. The European businesses offer a range of investment and pension solutions. The Company’s Asia Pacific segment includes joint venture companies in India and China and a wholly owned subsidiary in Hong Kong. Investment management segment develops and expands new products, like Global Absolute Return Strategies (GARS). On October 10, 2008, it acquired Vebnet (Holdings) plc. (Source: ARS)

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