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Insurance Market Sector
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OTC PK:BCISBancinsurance Corporation
 Bancinsurance is a specialty property insurance holding company. Co. and its subsidiaries have two reportable business segments: property/casualty insurance; and insurance agency. Co.'s wholly-owned subsidiary, Ohio Indemnity Company (Ohio Indemnity), is a specialty property/casualty insurance company. Co.'s primary sources of revenue are premiums for insurance policies and income generated from its investment portfolio. The majority of Co.'s net premiums written and premiums earned are derived from three distinct product lines provided by Ohio Indemnity: automobile lender/dealer; unemployment compensation; and waste industry.
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NYSE:SCTBank of America Corp. MITTS linked to S&P 500 Inde
 Scottish Re Group is a holding company. Through its subsidiaries, Co. is engaged in the reinsurance of life insurance, annuities and annuity-type products. These products are written by life insurance companies and other financial institutions located in the United States, and other countries. Co. has three reportable business segments: Life Reinsurance North America, Life Reinsurance International, and Corporate and Other. The reinsurance operating segments write reinsurance business that is wholly or partially retained in one or more of Co.'s reinsurance subsidiaries.
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OTC PK:BFLDFBenfield Group Limited
 Benfield Group Limited operates as an independent reinsurance intermediary and risk advisory company. Its business lines include aviation and space; casualty insurance comprising accident and health, credit bond and political risk, kidnap and ransom, and fine art; marine insurance; non-marine retro; property insurance; and alternative risk transfer. The company also offers reinsurance protection based on indices to cover catastrophic events, including storm, freeze, flood, drought, and earthquake. In addition, Benfield provides risk solutions, corporate finance, industry analysis and research, risk consultancy, and risk software. Its customers consist of global corporations and government entities, as well as insurance and reinsurance companies in approximately 100 countries.
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NYSE:BRK-ABerkshire Hathaway
 Berkshire Hathaway is engaged in diverse business activities. As of Dec 31 2004, Co.'s insurance and reinsurance business activities were conducted through more than 50 domestic and foreign-based insurance companies including GEICO and General Re. Fruit of the Loom, Garan and H.H. Brown Shoe manufacture and distribute a variety of footwear and clothing products. Acme Building Brands and Benjamin Moore produce building and related materials. FlightSafety and NetJets provide training of aircraft and ship operators. Nebraska Furniture Mart, R.C. Willey Home Furnishings and Jordan's Furniture are retailers of home furnishings. Borsheim's and Helzberg Diamond Shops are retailers of fine jewelry.
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NYSE:BRK-BBerkshire Hathaway B
 Berkshire Hathaway is engaged in diverse business activities. As of Dec 31 2004, Co.'s insurance and reinsurance business activities were conducted through more than 50 domestic and foreign-based insurance companies including GEICO and General Re. Fruit of the Loom, Garan and H.H. Brown Shoe manufacture and distribute a variety of footwear and clothing products. Acme Building Brands and Benjamin Moore produce building and related materials. FlightSafety and NetJets provide training of aircraft and ship operators. Nebraska Furniture Mart, R.C. Willey Home Furnishings and Jordan's Furniture are retailers of home furnishings. Borsheim's and Helzberg Diamond Shops are retailers of fine jewelry.
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 BioScrip is specialty pharmaceutical and pharmacy benefit management ("PBM") services provider. Co.'s specialty pharmaceutical services include support, management, dispensing, distribution and data reporting for medications used to treat patients living with chronic health conditions and are provided in various capacities to patients, physicians, payors and pharmaceutical manufacturers. Co.'s PBM services include pharmacy network management, claims processing, benefit design, drug utilization review, formulary management and traditional mail order pharmacy fulfillment. Co. operates its business in two segments: Specialty Services; and PBM and traditional mail services.
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OTC PK:HAXSBPO Management Services, Inc.
 Healthaxis is a technology-enhanced provider of integrated systems and services for health benefit administrators and health insurance claim processors. These systems are designed to assist health insurance payers, third party administrators, preferred provider organizations, and self-administered employer groups provide enhanced claims related services to members, employees, employers and providers at lower cost through the application of its technology on an Application Service Provider basis. These technology systems are complemented by Co.'s web-based capabilities and Business Process Outsourcing services, which are offered on a stand-alone basis.
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NASDAQ:BXXXBrooke Corporation
 Brooke sells property and casualty insurance, and other services to individuals and small businesses through a network of franchised locations in the U.S. Co. operates its business through three operating subsidiaries: Brooke Franchise Corporation, which provides franchise agencies with access to the products of insurance companies, marketing assistance and administrative support; Brooke Credit Corporation, a licensed finance company that specializes in lending to small businesses that sell insurance, financial and funeral related services; and Brooke Brokerage Corporation, which serves as the parent holding company of the subsidiaries involved in the brokerage segment.
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NYSE:BROBrown & Brown, Inc.
 Brown & Brown is an insurance agency, wholesale brokerage and service organization. Co. markets and sells to its customers insurance products and services, mainly in the property, casualty and employee benefits areas. Co. provides its customers with insurance contracts, as well as other targeted, customized risk management products and services. Co. is compensated for its services primarily by commissions paid by insurance companies and by fees paid by customers for certain services. As of Dec 31 2006, Co.'s activities were conducted in about 179 locations in 35 states that included Florida, Texas, California, Georgia and New York.
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NYSE:CGICeladon Group, Inc.
 Commerce Group provides personal and commercial property and casualty insurance primarily in Massachusetts, and in other states. Co.'s core product lines are personal automobile, homeowners, and commercial automobile insurance. Co. markets its products mainly through its network of independent agents in all states, except California, where it uses agents and brokers. Co. writes insurance through its principal subsidiary, The Commerce Insurance Company. Co. also writes insurance through three other subsidiaries: Citation Insurance Company, Commerce West Insurance Company and American Commerce Insurance Company.
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NYSE:LFCChina Life Insurance Co. Ltd. ADS
 China Life Insurance is engaged in the provision of individual and group life insurance, accident and health insurance and annuity products in the People's Republic of China. Co. offers life insurance and annuity products to individuals and groups, providing a range of coverage for the whole length of a policyholder's life. Co.'s individual life insurance and annuity products consist of whole life and term life insurance, endowment insurance and annuities. Co. also offers participating and non-participating group life insurance products. As of Dec 31 2006, Co. had approximately 86 million individual and group life insurance policies and annuities, and long-term health insurance policies.
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NYSE:CBChubb Corp.
 Chubb is a holding company with subsidiaries principally engaged in the property and casualty insurance business. Chubb Commercial Insurance provides a range of commercial customer insurance products, including coverage for multiple peril, casualty, workers' compensation and property and marine. Chubb Specialty Insurance provides a professional liability products for privately and publicly owned companies, financial institutions, professional firms and healthcare organizations. Chubb Personal Insurance provides products for individuals with fine homes and possessions who require more coverage choices and higher limits than standard insurance policies.
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 CIGNA is a holding company, which is engaged in providing health care and related benefits offered primarily through the workplace. Co. operates through six segments: Health Care, Disability and Life, International, Other Operations, Run-off Retirement, and Run-off Reinsurance. Co.'s key product lines include health care products and services, group disability, life and accident insurance as well as disability and workers' compensation case management and related services. As of Dec 31 2006, Co.'s products are marketed in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Canada.
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 Cincinnati Financial is a holding company. Through its subsidiaries, Co. markets commercial, personal and life insurance through independent insurance agencies to businesses and individuals. Co. owns 100.0% of three subsidiaries: The Cincinnati Insurance Company, CFC Investment Company and CinFin Capital Management Company. The Cincinnati Insurance Company owns 100.0% of Co.'s three smaller insurance subsidiaries: The Cincinnati Casualty Company, The Cincinnati Indemnity Company and The Cincinnati Life Insurance Company.
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NYSE:CIACitizens Inc. Cl A
 Citizens is an insurance holding company. As of Dec 31 2006, Co.'s core operations included the issuance of ordinary life insurance in U.S. Dollar-denominated amounts to foreign nationals through outside marketing consultants, principally in Latin America and the Pacific Rim; and the offering of final expense ordinary life insurance through its home service distribution channel. In addition, Co. offers ordinary life insurance products to middle income individuals in the Midwest and southern U.S., as well as small face property policies in Louisiana. Co. organizes and manages its life insurance business through two segments; Life Insurance and Home Service Insurance.
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NYSE:CNACNA Financial Corp.
 CNA Financial is an insurance holding company. Co.'s property and casualty insurance operations are conducted by Continental Casualty Company and The Continental Insurance Company. Co. serves a range of customers, including small, medium and large businesses, associations, professionals, and groups and individuals with several insurance and risk management products and services. Co.'s insurance products primarily include property and casualty coverages. Co.'s services include risk management, information services, warranty and claims administration. Co.'s core business, property and casualty insurance operations, is reported in two business segments: Standard Lines and Specialty Lines.
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NYSE:SURCNA Surety Corp.
 CNA Surety is an insurance holding company that provides surety and surety-related products in the U.S. Co.'s insurance subsidiaries, Western Surety, Surety Bonding, and Universal Surety, write surety and fidelity bonds in all 50 states through a combined network of about 36,000 independent agencies, as of Dec 31 2006. Co.'s insurance subsidiaries write, on a direct basis or as business assumed from Continental Casualty Company and The Continental Insurance Company, small fidelity and non-contract surety bonds, referred to as commercial bonds; small, medium and large contract bonds; and errors and omissions liability insurance.
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 CNinsure is an independent insurance agency and brokerage company operating in China. Co. distributes insurance products underwritten by domestic and foreign insurance companies operating in China, and provides certain insurance-related services, such as 24-hour emergency services in select cities, damage assessment and assistance with claim settlement, to its customers - individuals and institutions that purchase insurance products through Co. In addition, Co. also introduces customers to insurance companies, which then sell insurance products to them, either directly or through Co.'s affiliated insurance intermediaries.
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NYSE:CNOCNO Financial Group
 Conseco is a holding company for a group of insurance companies operating in the U.S. that develops, markets and administers supplemental health insurance, annuity, individual life insurance and other insurance products. Co. sells its products through three distribution channels: career agents, professional independent producers and direct marketing. Co. operates through three primary operating segments: Bankers Life, Conseco Insurance Group and Colonial Penn, which are defined on the basis of product distributions; a fourth segment comprised of other business in run-off; and corporate operations. As of Dec 31 2006, Co. had total assets of $32.72 billion.
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 Consumers Financial has no has business operations as of Dec 31 2004. Prior to that, Co. has been an insurance holding company, which, until late 1997, was a provider, through its subsidiaries, of credit life and credit disability insurance in the states of Pennsylvania, Delaware, Maryland, Nebraska, Ohio and Virginia. In connection with its credit insurance operations, Co. also marketed, as an agent, an automobile extended service warranty product. As of Dec 31 2005, Co. has been actively seeking out new business ventures and opportunities to expand its operations into the real estate, construction management, medical technologies and insurance industries.
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NYSE:CVACovanta Holding
 Covanta Holding is a holding company. Co. develops, owns and operates infrastructure for the conversion of energy-from-waste, waste disposal and renewable energy production businesses in the U.S., and engages in the independent power production business outside the U.S. At Dec 31 2006, Co. owned or operated 51 energy generation facilities. Co.'s energy generation facilities use a variety of fuels, including municipal solid waste, water (hydroelectric), natural gas and heavy fuel-oil. Co. also owns or operates a waste procurement business, two landfills, several waste transfer stations, as well as operates a domestic water treatment facility and engages in insurance operations in California.
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NYSE:CRD-BCrawford & Co. Cl B
 Crawford and Co. is an independent provider of claims management solutions to insurance companies and self-insured entities, with more than 700 offices in 67 countries as of Dec 31 2003. Major service lines include workers' compensation and healthcare management services, property and casualty claims management, class action services and risk management information services. U.S. claims management services include Initial Loss Reporting, Investigation, Evaluation, Disposition and Subrogation. Class action services include Administration and Inspection. Additional risk management and other services is comprised of Risk Sciences Group, Inc., The PRISM Network, Inc. and Education Services.
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NYSE:DRDarwin Professional Underwriters, Inc.
 Darwin Professional Underwriters is an insurance holding company. Co.'s subsidiaries are engaged in writing policies in the specialty commercial insurance market, principally within the executive and professional liability classes, including ancillary coverages. As of Dec 31 2006, Co. wrote the bulk of its business in three broad professional liability lines of business: Directors and Officers Liability (D Errors and Omissions Liability (E and Medical Malpractice Liability. Co.'s insurance group includes both an admitted company (Darwin National Assurance Company) and a surplus lines company (Darwin Select Insurance Company).
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NYSE:DFGDelphi Financial Group Inc. Cl A
 Delphi Financial Group is a holding company whose subsidiaries provide integrated employee benefit services throughout the U.S., the District of Columbia and Canada. Co. manages all aspects of employee absence to enhance the productivity of its clients and provides the related insurance coverages: long-term and short-term disability, excess and primary workers' compensation, group life, travel accident and dental. In addition, Co.'s asset accumulation business emphasizes individual fixed annuity products. As of Dec 31 2006, Co.'s primary operating subsidiaries were Reliance Standard Life Insurance Co., Safety National Casualty Corp., and Matrix Absence Management Inc.
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The term Market Sector is used to describe a set of businesses that are buying and selling such similar goods and services that they are in direct competition with each other. Analysts divide the stock market itself into market sectors so that shares of companies that are in direct competition are listed alongside each other.

In the bond market it refers to the division of the market by the type of issuer. E.g. government, state, corporate, or utility.

Markets are split into sectors using the Global Industry Classification Standard.

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