List of U.S. insurance companies (2013)

“ Insurance provides indemnification against loss or liability from specified events and circumstances that may occur or be discovered during a specified period.  ”

—FASB Statement of Financial Accounting Standards No. 113, "Accounting for Reinsurance of Short-Duration and Long-Duration Contracts" December 1992

List of U.S. insurance companies (2013)

Ø  21st Century Insurance

Ø  Aetna

Ø  Acuity

Ø  Aflac

Ø  Alleghany Corporation

Ø  Allied Insurance

Ø  Allstate

Ø  American Automobile Association

Ø  American Family Insurance

Ø  American Income Life Insurance Company

Ø  American International Group (AIG)

Ø  American National Insurance Company

Ø  Ameritas Life Insurance Company

Ø  Amica Mutual Insurance

Ø  Applied Underwriters

Ø  Arbella Insurance Group

Ø  Assurant

Ø  Auto-Owners Insurance

Ø  AXA Equitable Life Insurance Company

Ø  Bankers Life and Casualty Company

Ø  Berkshire Hathaway

Ø  Bird Insurance

Ø  California Casualty

Ø  Cincinnati Insurance Company

Ø  CNA Financial

Ø  Colonial Life & Accident Insurance Company

Ø  Combined Insurance

Ø  Commerce Insurance Group

Ø  Conseco

Ø  Country Financial

Ø  Chartis

Ø  Chubb Corp.

Ø  Elephant.com

Ø  Encompass Insurance Company

Ø  Erie Insurance Group

Ø  Esurance

Ø  Evergreen USA RRG

Ø  FM Global

Ø  Family Heritage

Ø  Farmers Insurance Group

Ø  Federated Mutual Insurance Company

Ø  First Catholic Slovak Ladies Association of the United States of America

Ø  FirstComp Insurance Company

Ø  First Insurance Company of Hawaii

Ø  GAINSCO

Ø  GEICO

Ø  General Re

Ø  Genworth Financial

Ø  GMAC Insurance

Ø  Gracy Title Company

Ø  Guarantee Insurance Company

Ø  Guardian Life Insurance Company of America

Ø  GuideOne Insurance

Ø  Hanover Insurance

Ø  The Hartford

Ø  HCC Insurance Holdings

Ø  Infinity Property & Casualty Corporation

Ø  IntelliQuote Insurance Services

Ø  Jackson National Life

Ø  John Hancock Insurance

Ø  K&K Insurance

Ø  Kansas City Life Insurance Company

Ø  Kentucky Farm Bureau

Ø  Knights of Columbus

Ø  Liberty Mutual

Ø  Lincoln National Corporation

Ø  Markel Corporation

Ø  MassMutual Financial Group

Ø  Merchants Insurance Group

Ø  Mercury Insurance Group

Ø  MetLife

Ø  Mutual of Omaha

Ø  National Life

Ø  Nationwide Mutual Insurance Company

Ø  New Jersey Manufacturers Insurance Company

Ø  New York Life Insurance Company

Ø  Northwestern Mutual

Ø  Ohio Mutual Insurance Group

Ø  Omega

Ø  OneBeacon

Ø  Oxford Health Plans

Ø  Pacific Life

Ø  Pacificare

Ø  PEMCO

Ø  Penn Mutual

Ø  Philadelphia Contributionship for the Insurance of Houses from Loss by Fire

Ø  Philadelphia Insurance Companies

Ø  Principal Financial Group

Ø  Primerica

Ø  Progressive

Ø  Protective Life

Ø  Prudential Financial

Ø  QBE

Ø  The Regence Group

Ø  Reliance Insurance Company

Ø  RLI Corp.

Ø  Safe Auto Insurance Company

Ø  Safeco

Ø  Safeway Insurance Group

Ø  Secura Insurance Company

Ø  Sentry Insurance

Ø  Selective Insurance

Ø  Shelter Insurance

Ø  Southern Aid and Insurance Company

Ø  Standard Insurance Company

Ø  State Auto Insurance Group

Ø  State Farm Insurance

Ø  Sun Life Financial

Ø  Symetra

Ø  TIAA-CREF

Ø  The Main Street America Group

Ø  The Travelers Companies

Ø  Trupanion

Ø  Unitrin Direct Auto Insurance

Ø  Unum

Ø  USAA

Ø  West Bend[disambiguation needed]

Ø  West Coast Life

Ø  Western Mutual Insurance Group

Ø  Western & Southern Financial Group

Ø  Westfield Insurance

Ø  White Mountains Insurance Group

Ø  Workmen's Auto Insurance Company

Ø  Zurich NA

Ø  Main article: Life annuity

Ø  Allstate

Ø  American Family Insurance

Ø  American Fidelity Assurance

Ø  Amica Mutual Insurance

Ø  AXA Equitable Life Insurance Company

Ø  Bankers Life and Casualty

Ø  Conseco

Ø  Farmers Insurance Group

Ø  Fidelity

Ø  Genworth Financial

Ø  ING Group

Ø  Jackson National Life

Ø  John Hancock Insurance

Ø  Lincoln National Corporation

Ø  MetLife

Ø  Mutual of Omaha

Ø  Nationwide Mutual Insurance Company

Ø  Old Mutual

Ø  Pacific Life

Ø  Protective Life

Ø  Prudential Financial

Ø  Standard Insurance Company

Ø  State Farm Insurance

Ø  Thrivent Financial for Lutherans

Ø  TIAA-CREF

Ø  Transamerica Corporation

Ø  UNIFI Companies

Ø  United of Omaha

Ø  Western & Southern Financial Group

Meaning of US Life insurance

US Life insurance

Life insurance (especially in the Commonwealth life insurance called life assurance) is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer contact to pay a selected beneficiary a sum of money (the "benefits") upon the death of the insured person. Signing on the contract, other events such as terminal illness or critical illness may also eventual payment. The policy holder normally pays a premium, or as a lump sums either regularly. Additional expenses (such as funeral expenses) are also sometimes included in the benefits.

Life policies are legal contracts and the terms of the contract describe the restrictions of the insured events. Particular exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to riot, fraud, war, suicide  and civil commotion.

Two major categories in Life based contracts:

Protection policies – designed to provide a benefit in the event of particular event,  normally  a lump sum payment. This design of term insurance in a common form.

Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Whole life, universal life and variable life policies in a common forms (in the US).

US Home Insurance Policyholders benefits

US HOME INSURANCE POLICYHOLDERS BENEFITS

Benefits to home insurance policyholders to help make home as simple and stress-free as possible:

Deal with Your Policy Online register for any Home insurance company’s online services and log in to view your convenient billing options and set up a payment schedule through usual deductions. You can choose to pay monthly, quarterly  or  a one-time payment, or in one piece sum.

You can also review policy information, decide changes to your home insurance policies, set up paperless delivery of your documents and report or check on a claim.

After-Hours Policy Services-- When you need policy information, billing questions query  or assistance with policy premium changes, including after regular business hours, company's  Customer Response Center is available and ready to help you.

ADDITIONAL BENEFITS FOR HOMEOWNER POLICYHOLDERS

Additional Living Expenses

If your home is damage or unsafe is so extensive that policy holder cannot live there ,Company cover the additional living expenses you incur to live to another place.

Emergency Home Repair Service

 If you have a covered loss,  help you find an Emergency Service Vendor or a local contractor to protect your home from additional damage.

Personal Property Replacement

 If your personal assets are ever destroyed or damaged , insurance company’s Personal Property Replacement Service will help locate the demand items you lost - or the side match - and we'll ship them to you swiftly.

Policy Discount

Your home insurance premium save on, when you insure your home, health, travel and car with same insurance company.