LINCOLN NATIONAL CORPORATION

LINCOLN FINANCIAL GROUP

Headquartered in the Philadelphia region, Lincoln Financial Group is a Fortune 500 company offering a diverse range of financial services and solutions. With a strong focus on four core business areas � life insurance, annuities, retirement plan services, and group protection � our business is built around supporting, preserving, and enhancing our customer�s lifestyles and providing better retirement outcomes. Led by over 8,000 employees, Lincoln Financial provides the tools and advice to help individuals take charge of their futures.

Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. Explore all Lincoln Financial affiliate companies.

CAREERS

Expect to like it here! It�s more than a job. At Lincoln Financial Group, we love what we do and here�s why. We enjoy knowing that the work we do empowers our customers to take charge of their lives. As Lincoln employees, we feel empowered by the wealth of professional development resources and ample rewards that allow us to build rewarding careers here. We thrive in a culture of excellence that embraces diversity, endorses learning and career development and supports each individual in making meaningful contributions on the job and in our communities.

For recent college graduates

We offer programs designed specifically to develop our talent pipeline of future Lincoln managers and executive leaders.

- Leadership Preparation Program

- Actuarial Development Program

- Group Protection Marketing Rep Development Program

Planners/Advisors

Discover your true potential by joining Lincoln Financial Network , our division of fee-based, independent financial planners and advisors.

Benefits

Lincoln Financial Group joins other top-ranked Fortune 500 corporations in offering outstanding employee benefit packages. Learn more about our Total Rewards programs for our employees.

Applicants with disabilities

Lincoln Financial Group is an equal opportunity employer. We eagerly welcome and encourage qualified candidates with diverse abilities, backgrounds and perspectives to explore career opportunities at Lincoln Financial Group.

If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558. Please do not call this number if you do not require TTY/TDD assistance.

This Employer Participates in E-Verify. Please select the link below to view and read the E-Verify notices before proceeding with your job application: E-Verify Notices.

Este Empleador Participa en E-Verify. Por favor, seleccione el siguiente enlace para ver y leer los E-Verify notificaciones antes de proceder con su solicitud de empleo: E-Verify Notificaciones.

Lincoln Financial Group is an Equal Opportunity Employer, M/F/D/V

A TRADITION OF STRENGTH

We offer the stability and integrity you want

Building on more than 100 years of expertise and sound risk management, Lincoln Financial today has a strong financial foundation with ample capital and liquidity to cushion the company from further disruptions in the markets. As a result of our strong operating performance and our ability to successfully navigate the market challenges of the past, all four major ratings agencies have affirmed our financial strength ratings with a stable outlook.

We provide the focused insurance and retirement solutions you need

Our business is built around supporting and preserving your lifestyle � in your working years by helping you to grow your savings and provide income for your family�s needs following an unexpected event, and in your retirement years by providing a guaranteed source of income to supplement your savings and investments. Specifically our advice and solutions allow you to:

- Take advantage of life and disability benefits offered by your employer to protect against disruption of income,

- Prepare for retirement by accumulating assets during your working years and plan for income distribution in retirement,

- Manage your retirement income planning with tax-smart solutions, and

- Protect yourself and your family during and after your lifetime through life insurance and long-term care solutions.

Financial Strength materials

- Key Facts

- Ratings Overview

- Investment Portfolio Profiles:

- The Lincoln National Life Insurance Company

- Lincoln Life & Annuity Company of New York

Looking toward the future

Looking ahead, the goal of Lincoln Financial is to continue to create value for you � our clients, our partners, our employees and our shareholders. We are confident that our business model is sound, our products and advice are needed more than ever, and we are well-positioned to help you take charge of your financial future.

Lincoln Financial Group businesses are subject to financial, market, political and economic risks, as well as risks inherent to its business operations. New York products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company of Fort Wayne, IN, issues products in all other states. The Lincoln National Life Insurance Company does not solicit business in the state of New York nor is it authorized to do so. Securities distributed by Lincoln Financial Distributors, Inc., a broker/dealer. The assets and liabilities of the affiliates are separate from Lincoln Financial Group and would be used to meet obligations. Securities and investment advisory services offered through other affiliates.

Forward-Looking Statements � Cautionary Language

Certain statements made in this document are �forward-looking statements.� Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from the results contained in the forward-looking statements. Risks and uncertainties that may cause actual results to vary materially, some of which are described within the forward-looking statements include, among others, deterioration in general economic or business conditions; credit market illiquidity; lowering of one or more of Lincoln�s debt ratings issued by nationally recognized statistical rating organizations; lowering of one or more of the insurer financial strength ratings of Lincoln�s insurance subsidiaries; legislative and regulatory changes and proceedings; changes in interest rates; sudden or prolonged declines in the equity markets; and deviation in actual experience regarding future persistency, mortality, morbidity, interest rates, or equity market returns from Lincoln�s assumptions used in pricing its products, in establishing related insurance reserves, and in the amortization of intangibles that may result in an increase in reserves and a decrease in net income. The risks included here are not exhaustive. Lincoln�s annual report on Form 10-K for the year ended

December 31, 2010, quarterly reports on Form 10-Q, current reports on Form 8-K, and other documents filed with the SEC include additional factors which could impact Lincoln�s business and financial performance.

lfg.com

AMERICAN FAMILY INSURANCE

 

For more than 80 years, we�ve made it our business to give our customers peace of mind by making their insurance experience easy and convenient.

American Family Insurance understands you are looking for a relationship with a stable and trustworthy company. You want an expert, caring advisor who works toward making your insurance experience easy and convenient. An advisor who ensures there are no unwelcome surprises and peace of mind, especially in your time of need. Our knowledgeable agent advisors provide auto, home, life & annuities, health, business and farm & ranch insurance. 

- View the 2011 American Family Insurance Annual Report, available in both multimediaand PDF formats.

- Watch a video of Our Promise to the customers and communities we serve.

- Learn more about why our customers choose us.

American Family Life Insurance

You work hard for all you have. A comfortable home. A car that suits your style. Quality time with the people you love. The list is as unique as your life.

Help protect what matters most � the people and things that make up your dreams � with life insurance from American Family Life Insurance Company.

Contact an American Family agent today to learn more about our life insurance coverage options: term life insurance (including our SimplyProtected Term Life Insurance policy), whole life insurance and universal life insurance.

American Family Life Insurance at a Glance

Life insurance helps give your family a financial foothold in the event of your death.

Term Life Insurance

- Temporary protection to help with a mortgage or other temporary expenses

- 10-, 20- or 30-year level-premium coverage periods

- No cash value

Whole Life Insurance

- Premium guaranteed never to increase

- Lifetime protection that builds cash value

Universal Life Insurance

- Flexible premium

- Flexible death benefit

- Can be issued from birth to age 80

Be sure to ask about possible ways to save on your insurance premiums, including our Auto and Life Discount, available to qualified customers.

Why buy life insurance now?

You may qualify for a lower premium

Your life insurance premium is based, in part, on your age. The sooner you act, the sooner you can take advantage of a lower rate.

To plan for the future

Somewhere down the road, failing health could prevent you from qualifying for life insurance. The time to buy life insurance is while you are in good health.

amfam.com  

AMERICAN INCOME LIFE INSURANCE COMPANY

 AMERICAN INCOME LIFE�S VISION

American Income Life Insurance Company is striving to become the premier in-home life insurance sales company serving working families in the United States, Canada, New Zealand, and through our wholly-owned subsidiary, Union Heritage Life Assurance Company Limited, in the Republic of Ireland.

Building on our solid foundation of providing supplemental benefits to working families, it is with great pride that AIL serves our customers by building long-term relationships and providing coverage for times that are most difficult in life. American Income Life rejoices as we continue our �personal touch� tradition not often found in the insurance industry today � meeting with our patrons in the place they are most comfortable� their home.

AMERICAN INCOME LIFE�S HISTORY

With just $25,000 of borrowed capital, Bernard Rapoport founded American Income Life Insurance Company more than 50 years ago. Today, AIL has become one of the nation�s largest providers of supplemental life insurance to labor unions, credit unions, and associations. American Income Life provides coverage to over two million policyholders and represents over $130 million in annual insurance product sales. AIL�s growth has been sustained through high customer satisfaction, innovative lead programs, word of mouth referrals, and one of the most lucrative Agent compensation programs in the industry.

A.M. Best, one of the country�s oldest and most respected insurance ratings companies, has rated American Income Life as A+ (Superior) for overall Financial Strength (as of 6/12).

American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly-owned subsidiaries: National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland.

AIL�s executive offices are located in Waco, Texas. American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.

AMERICAN INCOME LIFE�S CURRENT ACTIVITIES

American Income Life strives to be the first in line whenever labor needs a hand, and we keep our clients informed of our extensive efforts through the annual Report to the Labor Advisory Board.

american-income-life.com

Pensions Update

The Pensions Act 2008 require all employers (other than one director-owner organisations) to offer a qualifying workplace pension scheme to all �eligible jobholders�.

Here are some important elements of the new law:

• A business needs to identify who are �workers�.  �Workers� are defined as any individual who works under a contract of employment or has a contract to perform work or services personally and is not undertaking the work as part of their own business.

• There will be three categories of �workers� � �eligible jobholders�, �non-eligible jobholders� and �entitled workers�.  These categories are decided on age and earnings level.

• A National Pensions Savings Scheme requires automatic enrolment for all "eligible jobholders" unless the employer already offers a scheme, which is as good or better.

• The Government's scheme will be known as the "National Employment Savings Trust" (NEST).

• The Pensions Regulator will contact all eligible employers at least 12 months prior to their scheme starting to let them know the process.

• Both employees and employers will contribute to the scheme, which will be compulsory for the largest employers from October 2012.

• The scheme will be gradually introduced over a period of four years, starting from October 2012.

• The Pensions Regulator will ensure that employers fulfil their duties under the Act.

• Employers must not offer advice on pensions as this is against the Financial Services Act.

• Employers need to be aware of the qualifying pensions and exemptions from auto enrolment.  They also need to �opt in or opt out� of the scheme annually.

• Employers need to consider amending employee contracts and handbooks to reflect the new pension arrangements

I work with a number of associated professionals including HR, Health and Safety and Financial Advisors.  If you need Insurance, HR, Health and Safety or independent financial advice, please give me a ring and I�ll be happy to help.

  

BAJAJ ALLIANZ LIFE INSURANCE COMPANY

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Both enjoy a reputation of expertise, stability and strength.

Bajaj Allianz General Insurance received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration on 2nd May, 2001 to conduct General Insurance business (including Health Insurance business) in India. The Company has an authorized and paid up capital of Rs 110 crores. Bajaj Finserv Limited holds 74% and the remaining 26% is held by Allianz, SE.

As on 31st March 2010, Bajaj Allianz General Insurance maintained its premier position in the industry by achieving growth as well as profitability. Bajaj Allianz has made a profit before tax of Rs. 180 crores and has become the only private insurer to cross the Rs.100 crore mark in profit before tax in the last four years. The profit after tax was Rs. 121 crores, 27% higher than the previous year.

For more details on a summary of our financials, please click here.

For a copy of our Annual Report 2009-2010, Please click here.

Bajaj Allianz today has a countrywide network connected through the latest technology for quick communication and response in over 200 towns spread across the length and breadth of the country. From Surat to Siliguri and Jammu to Thiruvananthapuram, all the offices are interconnected with the Head Office at Pune.

Vision

- To be the first choice insurer for customers

- To be the preferred employer for staff in the insurance industry

- To be the number one insurer for creating shareholder value

Mission

As a responsible, customer focused market leader, we will strive to understand the insurance needs of the consumers and translate it into affordable products that deliver value for money.

A Partnership Based on Synergy

Bajaj Allianz General Insurance offers technical excellence in all areas of General and Health Insurance as well as Risk Management. This partnership successfully combines Bajaj Finserv�s in-depth understanding of the local market and extensive distribution network with the global experience and technical expertise of the Allianz Group. As a registered Indian Insurance Company and a capital base of Rs. 110 crores, the company is fully licensed to underwrite all lines of general insurance business including health insurance.

Our Achievements

Bajaj Allianz has received iAAA rating, from ICRA Limited, an associate of Moody�s Investors Service, for Claims Paying ability. This rating indicates highest claims paying ability and a fundamentally strong position.

Bajaj Allianz General Insurance has received the prestigious �Business Leader in General Insurance�, award by NDTV Profit Business Leadership Awards 2008. The company was one of the top three finalists for the year 2007 and 2008 in the General Insurance Company of the Year award by Asia Insurance Review.

Bajaj Allianz Life Insurance Company Limited Bajaj Allianz Life Insurance is a union between Allianz SE, one of the largest Insurance Company and Bajaj Finserv.

Allianz SE is a leading insurance conglomerate globally and one of the largest asset managers in the world, managing assets worth over a Trillion (Over INR. 55, 00,000 Crores). Allianz SE has over 119 years of financial experience and is present in over 70 countries around the world.

At Bajaj Allianz Life Insurance, customer delight is our guiding principle. Our business philosophy is to ensure excellent insurance and investment solutions by offering customised products, supported by the best technology.

bajajallianz.com

AMICA MUTUAL INSURANCE

Serve the Customer

With more than a century of business know-how to our name, Amica is the oldest mutual insurer of automobiles in the country. We also offer home, marine, personal umbrella liability and life insurance products. Our employees are the key to providing exceptional service to our loyal policyholders.

Our Quality Service

From Amica�s very beginnings, quality service was considered a key component in the company�s success. A century later this same belief in quality service reverberates in every action performed by Amica employees. In fact, service has become even more important in today�s anonymous, fast-paced world, where decisions can be made with the click of a mouse.

Personal Service

Whether you have a coverage question or a claim, you�ll always get friendly and efficient help from Amica�s knowledgeable customer service representatives. Today, we combine cutting-edge technologies with personal service to create insurance plans to fit your individual needs and provide the information you need to make decisions.

Direct Contact

Amica does not use agents to sell its insurance products. Whether you contact Amica by telephone, email, or U.S. mail, you will have direct contact with an Amica representative. You�ll always get a friendly response, and we�ll keep you informed regarding your application, policy change, claim, or other transaction. Our service team works directly with you � no middle agent � so you�ll never have to wait to speak to one particular person.

Billing Flexibility

Our payment plans were created with one key word in mind: choice. We offer several options and payment methods to make bill-paying as easy as possible for you. And, as an Amica policyholder, you can check your account on-line to keep track of your payments at any time.

amica.com

AMERICAN NATIONAL INSURANCE COMPANY

 

American National Insurance Company was founded in 1905 by William L. Moody, Jr. and is headquartered in Galveston, Texas. The Company has multiple subsidiaries, and has operations in Springfield, Missouri; Glenmont, New York; League City, Texas; and San Antonio, Texas.

Throughout the company�s history, the Moody family members have maintained an active role in the direction of the company. Strong management and prudent reinvestment in the company�s growth have made the company a major provider of insurance and annuities.

American National offers a broad variety of life insurance, retirement annuities, accident and health insurance, pension plan products and services, credit insurance, and property/casualty insurance for personal lines, agribusiness and targeted commercial exposures. Products are distributed through career agents, independent marketing organizations and multiple line exclusive agents as well as direct distribution channels.

American National�s mission is to be the company of choice for insurance and other financial products and services while maintaining superior financial strength.

Absolute Assignment: The transfer of ownership of a life insurance policy to a separate entity. The assignee becomes the new policy owner. Commonly used when banks require life insurance as collateral for a loan.

Accelerated Death Benefit: This benefit is included with many policies today. It provides for the payment of a portion of the death benefit prior to the insured�s death should the insured be diagnosed as terminally ill. The specific requirements vary by company.

Accidental Death Benefit (ADB): This benefit is optional with many policies today. It provides an additional death benefit when the insured�s death is caused by an accident.

Actual Age: A method of calculating an applicant�s insurance age. This method uses the insured�s actual age and is sometimes called Age Last Birthday or Attained Age.

Actuary: An individual employed by an insurance company to calculate premium rates, reserves, dividends and other important figures using risk factors obtained from experience tables.

Adjustable Life Insurance: A form of life insurance which allows the policy owner to change various benefits of the policy including the face amount, the premium amount, the length of coverage and the length of the premium payment period.

Adverse Selection: The tendency of persons with poorer-than-average health expectations (higher risk) to apply for or continue insurance coverage to a greater extent than persons with average or better-than-average health expectations (lesser risk).

Age Change: The date on which an insured�s age changes. In most life insurance contracts this is the date midway between the insured�s birthdays. The date of age change depends on whether the insurer uses an age nearest birthday or age last birthday calculation for determining premium rates.

Age Last Birthday: A method of calculating an applicant�s insurance age. This method uses the insured�s actual age and is sometimes called Actual Age or Attained Age.

Age Nearest Birthday: A method of calculating an applicant�s insurance age. This method is based on a person�s nearest birth date for rate calculations. If the person�s birth date is within the next six months, they are considered the next age.

Age Limits: The ages above or below which an insurer will not issue and insurance policy or continue a policy presently in force.

Agent: An authorized and licensed representative of an insurance company who sells and services insurance policies. Agents represent the insurance company and typically only sell policies from that company.

Allowable Charge: Charges for medical services or supplies provided by a hospital or physician which qualify as covered expenses as stated in the health plan�s certificate of coverage.

Ambulatory Services: Health care services provided to patients who are able to return home without an overnight stay in a medical facility. Typically, ambulatory services include preventive, diagnostic, and treatment services provided on an outpatient basis.

Ambulatory Surgery: Intermediate level surgical procedures that usually are too complex to be performed in a physician�s office but do not require inpatient hospitalization.

Amendment: A formal document which corrects or revises an insurance policy. When authorized by the insurer and the policy owner, the amendment attaches to or becomes part of the policy.

Annuitize: To begin a series of payments from an annuity. This term also refers to the settlement of a life insurance policy under the contract�s annuity options.

Annuity: A contract sold by a life insurance company that provides fixed or variable* payments to an annuitant, either immediately or at a future date.

Applicant: The person applying for the insurance policy. The applicant may be different from the proposed insured or the policy owner.

Application: Forms required by the insurance company which the proposed insured completes when requesting coverage from an insurer.

Approved: A status that indicates the insurance company has completed underwriting and agrees to issue a policy to the proposed insured.

Assignment: The transfer of the ownership rights of a life insurance policy from one person to another.

Attained Age: The age of an individual on a given date. Some insurance companies use attained age as a method of calculating insurance premiums.

Attending Physician�s Statement (APS): Information provided by a proposed insured�s physician covering medical history and results of medical examinations. It is used to determine the appropriate underwriting classification for the proposed insured.

Aviation Hazard: The increased risk of death or injury resulting from participation in aviation, usually as a pilot. The presence of aviation hazard will often result in extra premium or the exclusion of certain benefits.

Avocation: This refers to either an occupation or an activity the insured participates in. 

anico.com 

How To Avoid Household Insurance Mistakes?

If you are interested in the household insurance, you certainly want everything to be perfect, fast and safe. But, unfortunately, things don�t always go the right way, and a lot of mistakes can be made. You can avoid them by reading and taking into consideration the information below:

� Make sure that the value of your house that is stated in the agreement is correspondent to its real value, because otherwise you may be unable to receive enough finances for rebuilding your house completely. This is quite a problem, because the prices tend to change.

� I wouldn�t advise you to estimate the value of your property on the basis of the market price. No one can tell for sure what the market will be like tomorrow and what changes are going to happen in it. Replacement cost on the basis of the current worth of your property is a better idea.

� Be very careful when it comes to buying contents and building insurance. These are two separate and different components of the household insurance. You can buy them from the same insurance provider in a package, but they will still be two separate components. Contents insurance covers the things that are in your house, and the building insurance covers the very building. You have to find out from the very beginning what is included in both components. Sometimes fitted and fixed constructions are not included, so you have to get an extra for insuring them. The same concerns garages, greenhouses and all the other possible outer constructions.

� Your deductible had better be as high as you can afford it to be, because this way you will be able to save a lot of money, and the price rise will not affect you that much.

� Very often such things as jewelry and collectibles are not included in the contents insurance. Many people are sure that they are, when in fact they are not and it may be a great problem in case these items are lost or damaged. Always check your insurance agreement and if these items are not included in the list, make sure you find a good extra in order to receive compensation if something bad happens.

� It is a good idea to hire an agent. They are much more experienced in the matters of household insurance than you, and they will give you some valuable advice. In most cases an experienced agent is capable of finding a good insurance at a moderate price, but do not trust the agents who manipulate figures in order to make the cost of your insurance lower, because it can later create a lot of unnecessary problems for you.

GEICO NOW INSURING THE BEST OF LIFE

TRAVEL & ADVENTURE

There�s no better time than summer to scan the night sky. Many attractions are visible to the naked eye, including Venus and Mars. Pointed in the right direction, an ordinary pair of binoculars can bring Jupiter and Saturn as well as their moons into focus. When you�re armed with a decent telescope, the sky is truly the limit. And if you want to see some real fireworks this season, be sure to watch the Perseid meteor shower on Aug. 12. Named after the constellation Perseus, this celestial light show happens when the Earth passes through a trail of debris left by the comet Swift-Tuttle. With up to 60 shooting stars streaking across the sky each hour, it�s one of the biggest astronomical events of the year, made all the more spectacular by the darkness of mid-August�s new moon.

Summer is also an ideal time for star parties, when amateur astronomers gather to stargaze. Here�s what�s happening this month:

1. Although purists prefer stargazing from remote places free of urban light pollution, New Yorkers are lining up to buck that trend. Every Tuesday at dusk, weather permitting, the Amateur Astronomers Association of New York hosts Stargazing on the High Line. Experts with high-powered telescopes are always on hand to help you see past the bright city lights.

2. Last year, more than 1,500 spectators turned out for the Julian StarFest. This Aug. 18, you too can attend the annual star party in Julian, Calif., presented by the San Diego Astronomy Association. Telescopes are available for free, and only red lights (like those found on bikes) or flashlights covered with a red filter are permitted on the StarFest grounds. Give your eyes a few minutes to adjust to the pitch darkness, and enjoy.

3. For stargazers seeking an extended getaway, the Hidden Hollow Star Party near Mansfield, Ohio, offers campgrounds, bunkhouses and hot showers, plus a full-on observatory and guest speakers. This year�s festivities, Aug. 17 to 19, also include a NASA Touring Exhibit.

4. Located three miles from the nearest paved road, the Heavens Gate Farm northeast of Barry, Ill., is the perfect spot for the fifth annual Earth Wind and Sky Star Party, Aug. 16 to 19. The secluded 20-acre field offers unobstructed views, but try to arrive before dusk so your headlights don�t interfere with other guests� night vision.

Safe Boating Tips

Spring is here, and if you�re a recreational boater, you�re probably raring to get out on the water. Whether you blaze the open seas in a sleek powerboat or ply the waves in your luxury cabin cruiser, boating safety should always be top of mind. Each type of watercraft has its own unique requirements, but here are some safe boating rules that apply to everyone.

1. Inspect your vessel to ensure that it�s seaworthy. Look for signs of damage, especially if you�ve left your boat in the water over the winter months. Pay particular attention to any through-hull fittings, such as engine-cooling intakes and cockpit drains, which can become cracked or clogged. Make sure that the valves open and close properly, and test your bilge pump, too. If blocked with debris or corroded, it won�t function properly.

2. Take time to properly stock your boat with the required safety equipment, such as flares and fire extinguishers, and double-check expiration dates.

3. Test all of your electronic equipment, including the VHF radio, and ensure that everything is in perfect working order.

4. Stock your boat with enough personal flotation devices (PFDs) for everyone on board. Familiarize yourself with state laws, too: depending on the jurisdiction, kids under a certain age may have to wear a life jacket even when the vessel is not in motion (for details, please visit the U.S. Coast Guard�s online Boating Safety Resource Center). Double-check that your child hasn�t outgrown the PFD. They come in four graduated sizes based on weight and must fit snugly to be effective.

Even the safest boaters sometimes inadvertently run into troubled waters. To find affordable boat insurance that protects you against potential damage or liability, speak to a representative of the GEICO Insurance Agency by calling  1-800-841-0728 or get a free online quote.

Boat and watercraft coverages are written through non-affiliated insurance companies and secured through the GEICO Insurance Agency, Inc

geiconow.com

AXA EQUITABLE LIFE INSURANCE COMPANY

AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company (formerly The Equitable Life Assurance Society of the United States), headquartered in New York, NY, is a leading financial protection company and a premier provider of life insurance, annuities and related financial services.  AXA Equitable�s assets under management totaled $489.3 billion as of December 31, 2011.

The company�s products and services are offered:

- To consumers by financial professionals through its retail distribution channel,

AXA Advisors, LLC

- To the financial services market through its wholesale distribution channel,

AXA Distributors, LLC

AXA Equitable Life Insurance Company (NY, NY)

AXA Group

AXA Group* is a worldwide leader in financial protection and wealth management. AXA�s operations are diverse geographically, with major operations in Europe, North America and the Asia/Pacific area.

In the United States, AXA is represented through its holdings in AXA Financial, Inc. and its subsidiaries:

- AXA Equitable Life Insurance Company

- AXA Advisors, LLC

- AXA Distributors, LLC

- AllianceBernstein, L.P.

- PlanConnect

AXA Group refers to AXA, a French holding company for a group of international insurance and financial services companies, together with its direct and indirect consolidated subsidiaries.

AXA Financial

AXA Financial is one of the premier U.S. organizations in financial protection and wealth management through its strong brands:

- AXA Equitable Life Insurance Company

- AXA Advisors, LLC

- AllianceBernstein, L.P

- AXA Distributors, LLC, and

- The MONY family of companies, including MONY Life Insurance Company

AXA Financial is a member of the global AXA Group, a worldwide leader in financial protection and wealth management. AXA Group�s operations are diverse geographically, with major operations in Europe, North America and the Asia/Pacific region. AXA Group had Euro 1,104 billion in assets under management as of December 31, 2010. The AXA ordinary share is listed and trades under the symbol AXA on the Paris Stock Exchange. The AXA American Depositary Share is also listed on the OTC QX under the ticker symbol AXAHY.

AXA Advisors, LLC

AXA Advisors is a subsidiary of AXA Financial, Inc., a member of the global AXA Group. Financial services and products available to individuals and small businesses through AXA Advisors and its affiliates include:

- Financial planning

- Business, retirement, and estate planning

- College planning

- Life insurance

- Annuities

- Mutual funds.

AXA Advisors has financial professionals in communities throughout the United States. AXA Advisors� local presence allows clients to develop special relationships with talented, capable financial professionals in their local communities. Many of these financial professionals have attained one or more coveted professional designations, such as Certified Financial Planner� or Chartered Financial Consultant. Some even have a background or training in the fields of law or accounting.

AXA Distributors, LLC

AXA Distributors is the wholesale distribution company of AXA Financial, Inc., a member of the global AXA Group, one of the world�s largest insurance and wealth management organizations.

AXA Distributors is dedicated to the distribution of the innovative line of life insurance and variable annuity products issued by AXA Equitable Life Insurance Company to professional financial intermediaries such as broker general agents (BGAs), broker-dealers, banks, independent financial planners, as well as AXA Advisors, the company�s retail distribution organization. As of July 1, 2011, AXA Distributors has more than 150 employees, services over 650 firms, and represents more than 50,000 individual producers.

axa-equitable.com

Insurance Broker

An insurance broker is also know as  insurance agent. The role of insurance broker is to  sells, solicits, or negotiates insurance for compensation. The three largest insurance brokers in the world, by revenue, are Aon, Marsh & McLennan, and Willis Group Holdings. Brokers and agents are the retail side of insurance.

Insurance agents can be either:

- Captive � A captive agent is an agent who works for only one company and is a �captive� of that company. A captive agent will sell policies only for that insurer.
- Independent � An independent agent is one who works as an agent for a variety of different insurers. An independent can produce policies from several insurers and offer some comparisons of different insurance policies.

In many states, both the agent and the insurance broker must be licensed, after having passed an insurance exam. While it is not necessarily to have formal schooling or degrees  to become an agent or an insurance broker.

COLONIAL LIFE & ACCIDENT INSURANCE COMPANY

Colonial Life & Accident Insurance Company is a market leader in providing benefits solutions in one neat package: excellence in communications, enrollments, service, and personal insurance products and services that make benefits count for employers and their employees alike.

For employees whose insurance plans leave them feeling vulnerable, Colonial Life can help restore peace of mind through personal insurance products that complete their coverage. Headquartered in Columbia, S.C, and founded in 1939, Colonial Life offers a broad line of personal insurance products including disability, accident, life, cancer, critical illness, and hospital confinement.

We are Colonial Life. Making benefits count.

Benefits Communication

Benefits Communication and Education

You want to offer your employees the best benefits package you can, and so do we.

We don�t just offer benefits. We help you understand what type of benefits may work best for your company, and help your employees better understand the benefits you make available to them. It�s a proven fact that the more employees understand their benefits, the more they appreciate them.

How We Can Help You

Colonial Life�s 1-1 benefits counseling offers a personalized approach to enrollment and helps you and your employees fully realize the potential of your benefits package.

As benefit counselors, we come to your worksite and meet 1-to1 with each employee to provide simple, straightforward advice about the benefits they have � and the benefits they may need to fit their individual lifestyles and budgets.

coloniallife.com

Privacy Policy

Privacy Policy for http://life-insuranceoninfo.blogspot.com/ 

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at busescordillera@gmail.com. 

At http://life-insuranceoninfo.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://life-insuranceoninfo.blogspot.com/ and how it is used. 

Log Files
Like many other Web sites, http://life-insuranceoninfo.blogspot.com/ makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user�s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable. 

Cookies and Web Beacons 
http://life-insuranceoninfo.blogspot.com/ does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser. 

DoubleClick DART Cookie 
.:: Google, as a third party vendor, uses cookies to serve ads on http://life-insuranceoninfo.blogspot.com/.
.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to http://life-insuranceoninfo.blogspot.com/ and other sites on the Internet. 
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html 

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ....
Google Adsense


These third-party ad servers or ad networks use technology to the advertisements and links that appear on http://life-insuranceoninfo.blogspot.com/ send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see. 

http://life-insuranceoninfo.blogspot.com/ has no access to or control over these cookies that are used by third-party advertisers. 

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. http://life-insuranceoninfo.blogspot.com/'s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites. 

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.