TIAA-CREF (www.tiaa-cref.org) is a national financial services organization with more than $420 billion in combined assets under management (3/31/08) and the leading provider of retirement services in the academic, research, medical and cultural fields. TIAA-CREF Individual &... more

AEGON N.V. (AEGON) is a holding company that, through its member companies that are collectively referred to as AEGON or the AEGON Group, operates as a life insurance and pension company. The Company’s businesses focus on life insurance, pensions, savings and investment products. The... more

MetLife, Inc. (MetLife) is a provider of insurance and other financial services with operations throughout the United States, and the regions of Latin America, Europe and Asia Pacific. Through the Company’s domestic and international subsidiaries and affiliates, it offers life insurance,... more

Genworth Financial, Inc. (Genworth) is a financial security company dedicated to providing insurance, investment and financial solutions that help meet the homeownership, life security, wealth management and retirement security needs of more than 15 million customers, with a presence in... more

WTM), provides personal auto insurance direct to consumers online and through select online agents.

Manulife Financial Corporation is a life insurance company and the holding company of The Manufacturers Life Insurance Company and John Hancock Financial Services, Inc. It provides a range of financial products and services, including individual life insurance, group life and health... more

MassMutual Financial Group is the fleet name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates, with more than 13 million clients and over $395 billion in assets under management at year-end 2005. Founded in 1851, MassMutual is a mutually owned financial... more

Nationwide Financial Services, Inc. is the holding company for Nationwide Life Insurance Company (NLIC) and other companies that comprise the domestic life insurance and retirement savings operations of the Nationwide group of companies (Nationwide). This group includes Nationwide... more

Berkshire Hathaway Inc. is a holding company owning subsidiaries engaged in a number of diverse business activities. The most important of these are insurance businesses conducted on both a primary basis and a reinsurance basis. Berkshire also owns and operates a large number of other... more

Headquartered in Carmel, Ind., Conseco is one of middle-America's leading sources for insurance, investment and lending products. Through its subsidiaries and a nationwide network of distributors, Conseco helps 13 million customers step up to a better, more secure future.

The Boston-based mutual fund business unit of John Hancock Financial Services, John Hancock Funds manages more than $54.8 billion in open-end funds, closed-end funds, private accounts, retirement plans and related party assets for individual and institutional investors at June 30, 2008.... more

Skandia, a wholly owned subsidiary of Old Mutual plc, is one of the world's leading independent providers of quality solutions for long-term savings. Founded in Sweden in 1855, Skandia currently operates in over 20 countries, with the United Kingdom and Sweden as its largest markets. ... more

The Hanover Insurance Group, Inc. (THG) is a holding company for its subsidiaries, which includes The Hanover Insurance Company (Hanover Insurance) and Citizens Insurance Company of America (Citizens), which are its principal property and casualty subsidiaries; First Allmerica Financial... more

The Allstate Corporation serves as the holding company for Allstate Insurance Company. The Company’s business is conducted principally through Allstate Insurance Company, Allstate Life Insurance Company and their affiliates (collectively, including The Allstate Corporation, Allstate).... more

Primerica provides its 6 million clients with financial products and services, such as term life insurance, mutual funds, variable annuities, loans and long-term care insurance. With up to 60 percent of applications pouring in the last week of each month, processing the high volume of... more

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. MassMutual and its subsidiaries have more than $500 billion in assets under management at year-end 2007. Assets under... more

Transamerica Investment Management, LLC ("TIM"), a member of the AEGON Group, is a leading asset management firm with a 35-year history of serving both retail and institutional clients. Its predecessor firm, Transamerica Investment Services, Inc. started in 1967 and TIM was formed in... more

Ameriprise Financial, Inc. is engaged in providing financial planning, products and services that are designed to be utilized as solutions for its clients' cash and liquidity, asset accumulation, income, protection, and estate and wealth transfer needs. As of December 31, 2007, the... more

With more than $82 billion in assets (GAAP)*, Jackson National Life Insurance Company (Jackson) is an industry leader in variable, fixed and fixed index annuities. The company also sells life insurance and institutional products. Jackson markets its products in 49 states and the District... more

TIAA-CREF Trust Company, a division of TIAA-CREF, provides investment management and trust services to individual clients and non-profit institutions, http://www.tiaa-cref.org/trust/.

Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC - News) and its affiliates.

Founded in 1868, Pacific Life provides life insurance products, individual annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life counts more than half of the 100 largest U.S. companies as clients1... more

American General is one of the nation's largest diversified financial services organizations with assets of $60 billion and shareholders' equity of $5.5 billion. Headquartered in Houston, it is a leading provider of retirement annuities, consumer loans, and life insurance to over eight... more

Hartford Life is the nation's third largest life insurance group based on assets.* Through its issuing companies, Hartford Life offers a comprehensive portfolio of fixed and variable annuities, life insurance coverages, mutual funds, group benefits, group retirement plans, and... more

SunAmerica is an industry leader in the rapidly growing market for retirement savings. We provide nearly two million American families with the high-quality products and services they need to prepare for a sound financial future. The SunAmerica life companies, SunAmerica Life, Anchor... more

The MONY Group Inc. (NYSE: MNY), with over $60 billion in assets under management and administration, is a financial services firm that manages a portfolio of member companies. These companies include MONY Life Insurance Company, The Advest Group, Inc., Enterprise Capital Management Inc.,... more

Allmerica Financial Corporation is the holding company for a group of insurance companies headquartered in Worcester, Massachusetts.

Lincoln National Corporation (LNC) is a holding company that operates multiple insurance and investment management businesses through subsidiary companies. Through its business segments, the Company sell a range of wealth protection, accumulation and retirement income products and... more

Founded in 1868, Pacific Life provides life and health insurance products, individual annuities, mutual funds, group employee benefits, and offers to individuals, businesses, and pension plans a variety of investment products and services. Over the past six years, the company has grown... more

Securian Financial Group (www.securian.com) was founded in 1880 and provides financial security for individuals and businesses in the form of insurance, retirement plans and investments. Its affiliates include Minnesota Life Insurance Co., Advantus Capital Management, and Securian... more

Manulife Financial Corporation is a life insurance company and the holding company of The Manufacturers Life Insurance Company and John Hancock Financial Services, Inc. It provides a range of financial products and services, including individual life insurance, group life and health... more

Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. As of December 31, 2007, Guardian and its subsidiaries had $41.3 billion in assets (on a consolidated statutory basis). With... more

Kansas City Life Insurance Company (KCL) is a financial services company. The Company operates in the life insurance sector of the financial services industry in the United States. KCL primarily consists of three life insurance companies: Kansas City Life Insurance Company (Kansas City... more

Symetra provides employee benefits to more than 1 million workers in the United States. Symetra works with companies of all sizes to provide employees with insurance protection, health benefits and financial security. The average length of employment at Symetra is 9 years. Symetra... more

American Equity Investment Life Holding Company develops, markets, issues and administers annuities and life insurance. The Company is a full-service underwriter of an array of annuity and insurance products through its two life insurance subsidiaries, American Equity Investment Life... more

American Skandia has deep roots in U.S. and global financial markets.

Item 1. BUSINESS (Dollar Amounts In Millions, Unless Otherwise Stated) General Hartford Life Insurance Company and its subsidiaries (“Hartford Life Insurance Company”, “Life” or the “Company”), is a direct subsidiary of Hartford Life and Accident... more

Midland National has several departments and utilizes various areas of expertise:Actuarial Annuity Division Claims Administration Compliance Corporate Accounting Finance Financial Analysis General AccountingHuman Resources Internal Auditing Legal Marketing Policy Administration Product... more

Waddell & Reed Financial, Inc. conducts business through its subsidiaries, and primarily provides investment management, investment product underwriting and distribution, and shareholder services administration to mutual funds and institutional and separately managed accounts. The Company... more

Ohio National Financial Services is a group of insurance and financial services companies helping individuals, groups and businesses meet their financial goals. Through its insurance affiliates, the organization markets a comprehensive variety of competitive insurance and annuity products... more

FBL Financial Group, Inc. sells individual life and annuity products principally under the consumer brand names Farm Bureau Financial Services and EquiTrust Financial Services. These brand identities are represented by the distribution channels of the Company’s subsidiaries, Farm Bureau... more

MONY is a financial services firm that manages a portfolio of member companies, including MONY Life Insurance Company, The Advest Group, Inc., Enterprise Capital Management, Inc., Matrix Capital Markets Group, Inc., Lebenthal, a division of Advest, Inc., and U.S. Financial Life Insurance... more

We support Allianz Life employees and the vitality of the local communities where we live and work through: Social services Arts and cultural diversity Civic affairs We support educating people (with special emphasis on the under-served population) so they can become financially... more

American National Insurance Company, and its subsidiaries, operate primarily in the insurance industry. The Company offers a line of insurance coverages, including individual and group life, health, annuities, personal lines property and casualty, and credit insurance. In addition,... more

American Fidelity Assurance Company is a unique, family-owned organization providing insurance products and financial services to education employees, trade association members and companies throughout the United States and across the globe. Founded in 1960, it has grown to become one of... more

Allmerica is the holding company for a group of insurance companies headquartered in Worcester, Mass.

StanCorp Financial Group, Inc., incorporated in 1988, is a holding company for its insurance and asset management subsidiaries. Its operations include two segments: Insurance Services and Asset Management. The Insurance Services segment offers group and individual disability insurance,... more

GAFRI is a wholly-owned subsidiary of American Financial Group. We are a diversified financial services organization founded and headquartered in the heart of the Midwest , Cincinnati, Ohio. Our insurance companies provide customers with annuities, supplemental insurance, and life... more

The Western and Southern Life Insurance Company is a member of Western & Southern Financial Group, a fast-growing, service-oriented family of financial companies united by a dedication to protecting customers' assets and securing their futures. A recognized leader in consumer and business... more

The Lincoln National Life Insurance Company is the fourth largest variable annuity company in the nation, as measured by assets, and is ranked among the top ten in new variable annuity sales, according to the VARDS Report for the fourth quarter 2002. Lincoln Retirement, the marketing name... more