Household Life Insurance Company and First Central National Life Insurance Company of New York, under the trade name HSBC Insurance, are indirect subsidiaries of HSBC North America Holdings Inc. The companies are rated as "A Excellent" (third highest rating of 16) by A. M. Best Company.

HSBC - North America is one of the top 10 financial services companies in the United States with assets approaching $300 billion. HSBC - North America includes all of HSBC's U.S. and Canadian businesses, including HSBC Finance Corporation (formerly Household International) businesses, which were acquired in March, 2003.

The Liberty Life Insurance company is owned by RBC Insurance and has been providing insurance solutions for more than a century. Headquartered in Greenville, South Carolina, Liberty Life Insurance provides a wide and diversified range of insurance protection and wealth accumulation products, including Life and Health Insurance. Liberty Life ranked 86th in total life insurance issued in A.M. Best's 2005 ranking of top U.S. Life Insurers.

The A.M. Best Company has rated Liberty Life Insurance Company "A" (Excellent). Global Finance Media recognizes the company as "one of the world's most eminent institutions."

Fidelity Life Association was established in 1896 in the state of Illinois. Designed to provide financial security for American families, Fidelity Life has continued to make the purchasing of Life Insurance simpler and more efficient than ever imagined. Proud of its distinction as a progressive-minded company, Fidelity Life thinks in the long term, and works collaboratively with its team members to create a broad array of insurance products for policyholders, all at very attractive rates.

Fidelity Life has over $22 billion of life insurance in-force, over $500 million in admitted assets, and capital and surplus in excess of $250 million. The A.M. Best Company, the foremost rating authority for the insurance industry has rated Fidelity Life Association "A-Excellent."