Companies

A.M. Best #: 007330 NAIC #: 87726 FEIN #: 060566090

Contact

Phone: 860-308-1000
Fax: 860-308-5154
Web: www.metlife.com

Address

18210 Crane Nest Drive, 3rd Floor
Tampa, FL 33647
UNITED STATES

Financial Strengths

Rating: A+ (Superior)
Affiliation Code: g (Group)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: November 17, 2011

Issuer Credit Ratings

Long Term: AA-
Action: Affirmed
Date: November 17, 2011

About MetLife

The origins of Metropolitan Life Insurance Company (MetLife) go back to 1863, when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company.

The new company insured Civil War sailors and soldiers against disabilities due to wartime wounds, accidents, and sickness. In 1868, after several reorganizations and five difficult years, the company decided to focus on the life insurance business. A new company was chartered to sell “ordinary” insurance to the middle class. The founders chose the name because they had been most successful in New York City, or the “Metropolitan” District.

This new venture also faced difficulties. A severe business depression that began in the early 1870s rapidly put half of the 70 life insurance companies operating in New York State out of business. Only very large, long-established ordinary life insurance companies remained strong. Policy lapses over successive years forced the company to contract until it reached its lowest point in the late 1870s.

In 1879, MetLife President Joseph F. Knapp turned his attention to England, where “industrial” or “workingmen’s” insurance programs were widely successful. American companies had not bothered to pursue industrial insurance up to that time because of the expense involved in building and sustaining an agency force to sell policies door to door and to make the weekly collection of five- or ten-cent premiums.

By importing English agents to train an American agency force, MetLife quickly transferred successful British methods for use in the United States. By 1880, the company was signing up 700 new industrial policies a day. Rapidly increasing volume quickly drove down distribution costs, and the new program proved immediately successful.

The MetLife agent became an important person in the lives of these striving families. Manuals instructed agents to call at a home at the same time each week to ensure familiarity and contact. In the process of collecting premiums, insurance agents listened to the problems, concerns, and hopes of their clients. So successful was this approach that by 1909, MetLife became the nation’s largest life insurer in terms of insurance in force, a leadership position we continue to hold today in North America.

Travelers

(a member of Travelers Group)

A.M. Best #: 11025 NAIC #: 36137 FEIN #: 061286268

Contact

Phone: 860-277-0111
Fax: 860-277-7002
Web: www.travelers.com

Address

One Tower Square
Hartford, CT 06183
UNITED STATES

Financial Strengths

Rating: A+ (Superior)
Affiliation Code: g (Group)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: May 26, 2011

Issuer Credit Ratings

Long Term: AA
Action: Affirmed
Date: May 26, 2011

About Travelers

Travelers offers a wide variety of property and casualty insurance and surety products and services to businesses, organizations and individuals in the United States and in selected international markets. In addition, the company can meet insurance needs in more than 90 countries worldwide through our network of insurers. Products are distributed primarily through independent insurance agents and brokers. Our success is built upon our ability to provide innovative insurance and risk protection products and services in-synch with our customers’ needs.

  • Personal Insurance offers a broad array of property and casualty insurance products for individuals. Products include automobile, homeowners, umbrella, condominium, tenant, flood, identity theft, valuable items, boat and yacht and wedding coverages.
  • Business Insurance offers a broad array of property and casualty insurance products and services to its clients, which range from small “main street” businesses to Fortune® 100 corporations. Business Insurance is organized into marketing and underwriting groups focused on particular markets, industries or product lines.
  • Financial, Professional & International Insurance includes the Bond & Financial Products business as well as International and Lloyd’s businesses. Bond & Financial Products provides surety, management liability, professional liability and crime coverages, primarily to U.S.-based businesses. Property and casualty products are marketed on an international basis through operations in the United Kingdom, Republic of Ireland and Canada and at Lloyd’s of London.

Our focus is on helping our customers manage risk before a claim occurs — and responding with speed, professionalism and compassion when claims do happen. We have 13,000 trained Claim professionals located in 30 Claim field offices serving every state, as well as a self-contained dedicated Catastrophe Response Team that can move into a disaster area within hours. Our customers can report claims 24 hours a day, 7 days a week, 365 days a year.

To learn more about our business, click here to download our company fact sheet.

Market Leadership and Financial Strength

  • Travelers is No. 99 on the Fortune 500 list of the largest publicly-traded U.S. corporations.
  • $21.7 billion in net written premium, $24.5 billion in total revenue and $109.8 billion in total assets in 2008.
  • Second-largest writer of commercial U.S. property casualty insurance.
  • Second-largest writer of auto and homeowners insurance through independent agents.
  • Products distributed primarily through over 12,000 independent agents throughout the United States.
  • Consistently high financial strength ratings

A.M. Best #: 02448 NAIC #: 24740 FEIN #: 910742148

Contact

Phone: 206-545-5000
Fax: 206-545-5500
Web: www.safeco.com

Address

175 Berkeley Street
Boston, MA 02116
UNITED STATES

Financial Strengths

Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: June 16, 2011

Issuer Credit Ratings

Long Term: A
Action: Affirmed
Date: June 16, 2011

About Safeco

When it comes to protecting what matters most, trust matters. From the smallest fender-bender to a storm-damaged home, Safeco has stood ready at the most trying moments for more than 85 years. A member of Liberty Mutual Group with the financial strength to deliver security and value, we offer national reach combined with local market knowledge. We have over 3,000 employees across the country dedicated to meeting the needs of people like you.

With a comprehensive offering of products to meet your needs, responsive customer service and local independent agents to help you choose and customize your options, we make it simple to protect what matters most to you. We help you deal with the unexpected, offering the best mix of coverage and pricing—so when a loss occurs, you’ll be prepared and ready.

A.M. Best #: 18637

Contact

Phone: 440-461-5000
Fax: 440-446-7168
Web: www.progressive.com

Address

6300 Wilson Mills Road, W33
Mayfield Village, OH 44143-2182
UNITED STATES

Financial Strengths

Rating: A+ (Superior)
Affiliation Code: g (Group)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: June 27, 2011

Issuer Credit Ratings

Long Term: AA
Action: Affirmed
Date: June 27, 2011

About Progressive

Progressive began in 1937, and over the years, we have worked hard to build a superior proposition for auto insurance consumers through competitive pricing and by continuously improving our products and services. Today, we offer competitive rates and 24-hour, in-person and online services to all drivers throughout the United States.Today, Progressive customers can purchase auto insurance directly from us online or by phone, or they can purchase from independent insurance agents.

Glenn M. Renwick, president and chief executive officer since January 2001, leads Progressive in our quest to become U.S. consumers’ #1 choice for auto insurance. Headquartered in the Cleveland suburb of Mayfield Village, Ohio, Progressive has 28,000-plus employees in more than 450 offices throughout the country. Progressive people enjoy a casual dress code and a unique work environment where all are required to risk, learn, grow and perform. Progressive’s larger locations house one of the country’s largest, most eclectic contemporary art collections. Communicating a clear picture of Progressive by stating what we try to achieve, how we interact with customers, and what guides our behavior permits all people associated with Progressive to understand what we expect of ourselves and each other and how we conduct our business. The common shares of the Progressive Corporation are publicly traded at NYSE:PGR.

Hartford

(a member of Hartford Insurance Group)

A.M. Best #: 02230 NAIC #: 22357 FEIN #: 060383030

Contact

Phone: N/A
Fax: N/A
Web: N/A

Address

N/A
N/A
N/A

Financial Strengths

Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: April 12, 2011

Issuer Credit Ratings

Long Term: A+
Action: Affirmed
Date: April 12, 2011

About Hartford

Founded in 1810, The Hartford Financial Services Group, Inc. (NYSE: HIG) is one of the largest insurance and investment companies based in the United States, with offices in the United States, Japan, the United Kingdom, Canada, Brazil and Ireland.

The Hartford is a leading provider of life insurance, group and employee benefits, automobile and homeowners insurance and business insurance – as well as investment products, annuities, mutual funds, and college savings plans.

The Hartford serves millions of customers worldwide – including individuals, institutions, and businesses – through independent agents and brokers, financial institutions, and online. After nearly 200 years in business, The Hartford is known for its superior customer service and continued operational excellence.

A.M. Best #: 001963 NAIC #: 18953 FEIN #: 942936906

Contact

Phone: 925-817-6300
Fax: 925-817-6489
Web: www.cseinsurance.com

Address

2121 N. California Blvd, Suite 555
Walnut Creek, CA 94596
UNITED STATES

Financial Strengths

Rating: A- (Excellent)
Affiliation Code: p (Pooled)
Financial Size: VIII (100 Million to 250 Million)
Outlook: Stable
Action: Affirmed
Effective Date: April 12, 2011

Issuer Credit Ratings

Long Term: A-
Action: Affirmed
Date: June 21, 2011

About CSE

CSE Insurance Group is a leading regional insurance carrier in the western United States, with nearly sixty years of experience in personal insurance. Our corporate history reflects the company’s stability and long-term commitment to our customers. Our mission is to provide consumers with competitively priced products and outstanding service. We are proud of our reputation for excellent customer service. A stable and energetic workforce has been the key to our success in this area. CSE employees embrace the values of honesty, integrity and fairness in their interaction with customers and agents.

Recognizing the role an experienced agent fills for the consumer, CSE has been a strong advocate for the independent agent network as a preferred distribution channel. CSE seeks professional agents whose commitment to their community reflects our corporate values of superior service and fair business practices. Teamwork is a priority at all levels within CSE, and our agents work closely with our employees to ensure our customers receive the best products and services possible.

Commerce West

(a member of MAPFRE U.S.A Group)

A.M. Best #: 003131 NAIC #: 13161 FEIN #: 941137122

Contact

Phone: 925-734-1700
Fax: 925-734-1819
Web: www.commercewest.net

Address

211 Main Street
Webster, MA 01570-0758
UNITED STATES

Financial Strengths

Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size: XIII (1.25 Billion to 1.5 Billion)
Action: Downgraded Under Review
Effective Date: December 16, 2011

Issuer Credit Ratings

Long Term: A+
Implication: Negative
Action: Downgraded Under Review
Date: December 16, 2011

About Commerce West

At Commerce West Insurance Company we are committed to providing you with excellent service in all areas: Underwriting, Claims, Customer Service and Accounting.

Commerce West Insurance Company was founded in California in 1948, initially offering Personal Lines Automobile insurance. In 1999, we introduced our monoline Commercial Automobile product. Currently, we offer Private Passenger Automobile Plans, both Preferred and Non-Standard, as well as a monoline Commercial Automobile Plan. Our products are offered through Independent Agents throughout California, Oregon and Arizona.

Consistently, we are recognized for excellent service to our Producers and to our Customers. We are a member of The Commerce Group, Inc., of Webster, MA, with over $4.6 billion in assets. Commerce West is rated “A+” (Superior) by A.M. Best and ranks as one of the top 50 automobile insurance companies in California. Our objective is to grow incrementally and profitably and continue to be a stable market with excellent results. Our Home Office is located in Pleasanton, CA.

A.M. Best #: 006181 NAIC #: 61557 FEIN #: 946077403

Contact

Phone: 888-800-2742
Fax: 800-329-2742
Web: www.bscalife.com

Address

50 Beale Street
San Francisco, CA 94105
UNITED STATES

Financial Strengths

Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size: IX (250 Million to 500 Million)
Outlook: Stable
Action: Affirmed
Effective Date: May 20, 2011

Issuer Credit Ratings

Long Term: A+
Action: Affirmed
Date: May 20, 2011

About Blue Shield

In 1954, Blue Shield of California Life & Health Insurance Company (Blue Shield Life), provides a full range of insurance benefit options for Blue Shield of California group and individual or family members. As a wholly-owned subsidiary of Blue Shield of California, Blue Shield Life offers competitive group and individual term life insurance, vision and stop loss in tandem with Blue Shield health plans or on a stand-alone basis. Call 888-800-2742 for more information.

BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY, CALIFORNIA INSURER ID#1450-6, NAIC #61557

A.M. Best #: 060057 NAIC #: 62825 FEIN #: 954331852

Contact

Phone: 818-703-2345
Fax: N/A
Web: www.wellpoint.com

Address

1 Wellpoint Way
Thousand Oaks, CA 91362
UNITED STATES

Financial Strengths

Rating: A (Excellent)
Affiliation Code: g (Group)
Financial Size: XII (1 Billion to 1.25 Billion)
Outlook: Stable
Action: Affirmed
Effective Date: June 14, 2011

Issuer Credit Ratings

Long Term: A+
Action: Affirmed
Date: June 14, 2011

About Anthem

WellPoint, Inc. (formerly Anthem, Inc.) was formed when WellPoint Health Networks Inc. and Anthem, Inc. merged in 2004 to become the nation’s leading health benefits company. Learn more.

WellPoint, Inc. is the largest health benefits company in terms of commercial membership in the United States. Through its nationwide networks, the company delivers a number of leading health benefit solutions through a broad portfolio of integrated health care plans and related services, along with a wide range of specialty products such as life and disability insurance benefits, pharmacy benefit management, dental, vision, behavioral health benefit services, as well as long term care insurance and flexible spending accounts.

Aetna

(a member of Aetna Incorporated Group)

A.M. Best #: 007443 NAIC #: 72052 FEIN #: 232710210

Contact

Phone: 800-872-3862
Fax: N/A
Web: www.aetna.com

Address

980 Jolly Road
Blue Bell, PA 19422
UNITED STATES

Financial Strengths

Rating: A (Excellent)
Affiliation Code: g (Group)
Financial Size: XV(2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: June 27, 2011

Issuer Credit Ratings

Long Term: A+
Action: Affirmed
Date: June 27, 2011

About Aetna

Founded in 1853 in Hartford, Connecticut, Aetna is one of the nation’s leading providers of health care, dental, pharmacy, group life, and disability insurance, and employee benefits.

We serve employers, individuals, college students, part-time and hourly workers, and government employees, and the community at large. We are dedicated to helping people achieve health and financial security.

We put information and helpful resources to work for our members to help them make better-informed decisions about their health care. We work hard to improve health care in America. We want make sure health care is affordable and of good quality for all. Read about our plan to transform health care in America.