Markets & Distribution Channels Research Report Series. An Initial Overview of Insurance Agencies, Brokers, & Producer Groups
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1 Markets & Distribution Channels Research Report Series An Initial Overview of Insurance Agencies, Brokers, & Producer Groups February 2011
2 TABLE OF CONTENTS INTRODUCTION, KEY FINDINGS, & EXECUTIVE SUMMARY...21 EVOLUTION OF THE INSURANCE AGENCIES, BROKERS, & PRODUCER GROUPS BUSINESS...38 Market History...38 Early Phase...38 Middle Phase...38 Recent Phase...38 Market Definition...38 Life Insurance Agents...38 Property & Casualty Agents...38 Market Growth...39 Firms...39 Employees...39 Reps...39 Premiums Written...39 Revenues...39 Net Profits...40 Key Issues...40 Product Utilization Trends...40 Insurance Products...40 Mutual Funds...41 Fee- Accounts...41 Other Products...43 Leading Captive & Independent Insurance Agencies, Brokers, & Producer Groups...43 Employees...43 Reps...44 Net Premiums Written...44 Revenues...45 Net Profits...46 MARKET SEGMENTATION...47 Life Insurance Agents...47 Market Growth...47 Firms...47 Employees...47 Reps...47 Written Premiums...47 Revenues...48 Net Profits...48 Leading Life Insurance Agencies...48 Employees...48 Reps...48 Written Premiums...48 Revenues...48 Net Profits...48 Property & Casualty Insurance Agents...48 Market Growth...48 Firms
3 Employees...49 Reps...49 Written Premiums...49 Revenues...49 Net Profits...49 Leading Property & Casualty Insurance Agencies...49 Employees...50 Reps...50 Written Premiums...50 Revenues...50 Net Profits...50 KEY SERVICE PROVIDERS TO THE INSURANCE AGENCIES, BROKERS, & PRODUCER GROUPS BUSINESS...51 Independent Broker/Dealers, Custodians, & Clearing Brokers...51 Mutual Fund Companies & Other Traditional Product Companies...56 Fee-Accounts, TAMPs, & Separate Account Managers...56 Exchange Traded Funds, Hedge Funds, & Other Investment Product Companies...57 Wealth Management & Family Office Service Product Companies...57 Technology Companies & Other Key Service Providers...57 FUTURE PREDICTIONS FOR THE INSURANCE AGENCIES, BROKERS, & PRODUCER GROUPS BUSINESS...58 Increase in Industry Growth...58 APPENDIX...59 Profiles of Captive Insurance Agencies...59 Ace...59 History...59 Early Phase...59 Middle Phase...59 Recent Phase...59 Statistics...59 Businesses...60 INA Trust...60 Organization & Ownership...61 American International Group (AIG)...61 History...61 Businesses...61 AIG Valic...62 Organization & Ownership...64 Ameriprise Financial...65 History...65 Businesses...65 Ameriprise Financial Broker/Dealer...65 Securities America...89 Organization & Ownership Aon History Ryan Insurance Group Phase Insurance Company of America Phase Greg Case Phase
4 Statistics Businesses Insurance Brokerage Captive Insurance Company Manager Reinsurance Broker Combined Insurance Company of America Organization & Ownership Arthur Gallagher History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Axa Group History Businesses Axa Financial Mutual of New York Organization & Ownership Brown & Brown History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Cullen & Frost Bank History Businesses Frost Insurance Agency Organization & Ownership Farmers Insurance History Statistics Businesses Organization & Ownership Hewitt Associates History Early Phase Middle Phase Recent Phase Statistics Businesses Employee Benefits Organizational Effectiveness Consulting Hewitt Investment Consulting Group Organization & Ownership Hub International
5 History Businesses PLI Brokerage Insurance Organization & Ownership Insurance.Com History Businesses Auto Home & Renters Life Health Other Insurance Organization & Ownership Lincoln Financial Group History Early Years Acquisition Years Restructuring Years Statistics Businesses Lincoln Retirement Life Insurance Investment Management Other Operations Lincoln UK Organization & Ownership Manulife Financial History Businesses John Hancock Organization & Ownership Mass Mutual Financial Group History Early Phase Investment Management Phase Troubles Phase Re-Emergence Phase Statistics Businesses Domestic Insurance Mass Mutual International Mass Mutual Retirement & Financial Products Oppenheimer Funds MML Investors Services Organization & Ownership New York Life History Nautilus Insurance Company Phase New York Life Establishment Phase Early Growth Phase Recent Growth Phase
6 Retirement Income Security Phase Statistics Businesses Life Insurance Retirement Income Security New York Life Investment Management New York Life International Argentina China Hong Kong India Mexico Philippines South Korea Taiwan Thailand Specialty Markets Organization & Ownership Northwestern Mutual History Early Phase Growth Phase Maturity Phase Stumbles Phase Renewal Phase Statistics Businesses Northwestern Mutual Life Insurance Company Northwestern Mutual Long-Term Care Insurance Company Northwestern Mutual Trust Company Northwestern Mutual Investment Services Organization & Ownership Prudential Financial History Businesses Insurance Organization & Ownership State Farm History Early Phase Middle Phase Recent Phase Statistics Businesses Property & Casualty Life Insurance, Health, & Annuities State Farm Bank Mutual Funds Organization & Ownership Thrivent Financial for Lutherans
7 History Early Phase Middle Phase Recent Phase Statistics Businesses Independent Broke/Dealer Thrivent Investment Management Organization & Ownership Tompkins Insurance Agencies History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership USI Holdings History Early Phase Middle Phase Recent Phase Statistics Businesses Financial Services Property & Casualty Health & Welfare Organization & Ownership Willis Group Holdings History Early Phase Middle Phase Recent Phase Statistics Businesses Global North America International Organization & Ownership Woodruff-Sawyer & Company History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Profiles of Independent Agencies, Brokers, & Producer Groups American Brokerage Consultants History Early Phase
8 Middle Phase Recent Phase Statistics Businesses Consulting Research Organization & Ownership Annuitynet.Com History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Banksurance.com History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Capitas Financial History Early Phase Middle Phase Recent Phase Statistics Businesses Annuities Long-Term Care Organization & Ownership CentreLink History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Citigroup History Businesses Bisys Ascensus Organization & Ownership Clark & Bardes Holdings History Early Phase Middle Phase
9 Recent Phase Statistics Businesses Organization & Ownership Conseco History Businesses Townsend & Schupp Organization & Ownership CPS Insurance Services History Early Phase Middle Phase Recent Phase Statistics Businesses Annuities Disability Income Life Insurance Life Settlement Long-Term Care Underwriting Organization & Ownership Diversified Brokerage Services History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Elar Partners History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership Insure.Com History Early Phase Middle Phase Recent Phase Statistics Businesses Organization & Ownership INSWEB History Early Phase Middle Phase
10 Recent Phase Statistics Businesses Auto Insurance Life Insurance Homeowners Health Insurance Renters Insurance Motorcycle Insurance RV Insurance Travels Insurance Business Insurance Organization & Ownership M Financial History Early Phase Middle Phase Recent Phase Statistics Businesses Insurance Producers Group Insurance Manufacturer M Holdings Securities Organization & Ownership Marsh & McLennan History Early Phase Middle Phase Recent Phase Statistics Businesses Risk & Insurance Investment Management Human Resources Consulting Investment Consulting Organization & Ownership National Financial Partners (NFP) History Early Phase Growth Phase Recent Phase Statistics Businesses Acquisition Company NFP Insurance Services NFP Securities Organization & Ownership Provada History Early Phase Middle Phase
11 Recent Phase Statistics Businesses Insurance Brokerage Life Settlements Agency Outsourcing Organization & Ownership Profiles of Insurance Industry Service Providers ACINA Technologies History Businesses Organization & Ownership Alliance of American Insurers History Businesses Organization & Ownership AM Best Company History Businesses Organization & Ownership American Academy of Actuaries History Businesses Organization & Ownership American Council of Life Insurers (ACLI) History Businesses American Council Life Insurers (ACLI) Organization & Ownership American Insurance Association History Services Organization & Ownership American Risk & Insurance Association History Services Organization & Ownership American Society of Pension Professionals & Actuaries (ASPPA) History Services Organization & Ownership America s Health Insurance Plans History Services Organization & Ownership Association of Health Insurance Advisors History Businesses Organization & Ownership Association of Home Office Underwriters History
12 Services Organization & Ownership Banc Insurance Services History Statistics Services Organization & Ownership Center for Economic Justice History Businesses Organization & Ownership Center for Insurance Research History Services Organization & Ownership Conference of Consulting Actuaries History Services Organization & Ownership Consumer Credit Insurance Association History Services Organization & Ownership Consumer Federation of America History Statistics Businesses Organization & Ownership District of Columbia History Departments Department of Insurance Organization & Ownership GAMA International History Statistics Businesses Organization & Ownership Griffith Foundation for Insurance Education History Services Organization & Ownership Independent Insurance Agents of America History Statistics Businesses Organization & Ownership Insurance Accounting & Systems Accounting History Statistics Businesses
13 Organization & Ownership Insurance & Financial Communicators Association History Services Organization & Ownership Insurance Information Institute History Services Organization & Ownership Insurance Marketplace Standards Association History Services Organization & Ownership Insurance Services Office History Services Organization & Ownership International Claim Association History Services Organization & Ownership International Insurance Society History Services Organization & Ownership Journal of Risk & Insurance History Statistics Businesses Organization & Ownership Life Insurance Marketing & Research Association (LIMRA) History Services Organization & Ownership Life Office Management Association (LOMA) History Services Organization & Ownership Life Plans History Statistics Services Organization & Ownership Long Term Care History Services Organization & Ownership Medical Information Bureau Group (MIB) History Early Phase Middle Phase
14 Recent Phase Statistics Services Organization & Ownership Moody s History Businesses Organization & Ownership National Association of Independent Life Brokerage Agencies History Businesses Organization & Ownership National Association of Insurance Commissioners (NAIC) History Services Organization & Ownership National Association of Mutual Insurance Companies History Statistics Businesses Organization & Ownership National Association of Professional Insurance Agents History Statistics Businesses Organization & Ownership National Association of Registered Agents & Brokers History Statistics Businesses Organization & Ownership National Association of Variable Annuities (NAVA) History Services Organization & Ownership National Organization of Life & Health Insurance Guaranty Associations History Services Organization & Ownership Schiff s Insurance Observer History Businesses Organization & Ownership Sheshunoff Information Services History Businesses Organization & Ownership Society of Actuaries History Businesses Organization & Ownership
15 SS Huebner Foundation for Insurance Education History Services Organization & Ownership State of Alabama History Departments Department of Insurance Organization & Ownership State of Alaska History Departments Department of Insurance Organization & Ownership State of Arizona History Departments Department of Insurance Organization & Ownership State of Arkansas History Departments Department of Insurance Organization & Ownership State of California History Departments Department of Insurance Organization & Ownership State of Colorado History Departments Department of Insurance Organization & Ownership State of Connecticut History Departments Department of Insurance Organization & Ownership State of Delaware History Departments Department of Insurance Organization & Ownership State of Florida History Departments Department of Insurance Organization & Ownership State of Georgia History
16 Departments Department of Insurance Organization & Ownership State of Hawaii History Departments Department of Insurance Organization & Ownership State of Idaho History Departments Department of Insurance Organization & Ownership State of Illinois History Departments Department of Insurance Organization & Ownership State of Indiana History Departments Department of Insurance Organization & Ownership State of Iowa History Departments Department of Insurance Organization & Ownership State of Kansas History Statistics Departments Department of Insurance Organization & Ownership State of Kentucky History Departments Department of Insurance Organization & Ownership State of Louisiana History Departments Department of Insurance Organization & Ownership State of Maine History Departments Department of Insurance Organization & Ownership State of Maryland History
17 Departments Department of Insurance Organization & Ownership State of Massachusetts History Departments Department of Insurance Organization & Ownership State of Michigan History Departments Department of Insurance Organization & Ownership State of Minnesota History Departments Department of Insurance Organization & Ownership State of Mississippi History Departments Department of Insurance Organization & Ownership State of Missouri History Departments Department of Insurance Organization & Ownership State of Montana History Departments Department of Insurance Organization & Ownership State of Nebraska History Departments Department of Insurance Organization & Ownership State of Nevada History Departments Department of Insurance Organization & Ownership State of New Hampshire History Departments Department of Insurance Organization & Ownership State of New Jersey History Departments
18 Department of Insurance Organization & Ownership State of New Mexico History Statistics Departments Department of Insurance Organization & Ownership State of New York History Departments Department of Insurance Organization & Ownership State of North Carolina History Departments Department of Insurance Organization & Ownership State of North Dakota History Departments Department of Insurance Organization & Ownership State of Ohio History Departments Department of Insurance Organization & Ownership State of Oklahoma History Departments Department of Insurance Organization & Ownership State of Oregon History Departments Department of Insurance Organization & Ownership State of Pennsylvania History Departments Department of Insurance Organization & Ownership State of Rhode Island History Departments Department of Insurance Organization & Ownership State of South Carolina History Departments
19 Department of Insurance Organization & Ownership State of South Dakota History Departments Department of Insurance Organization & Ownership State of Tennessee History Departments Department of Insurance Organization & Ownership State of Texas History Departments Department of Insurance Organization & Ownership State of Utah History Departments Department of Insurance Organization & Ownership State of Vermont History Departments Department of Insurance Organization & Ownership State of Virginia History Departments Department of Insurance Organization & Ownership State of Washington History Departments Department of Insurance Organization & Ownership State of West Virginia History Departments Department of Insurance Organization & Ownership State of Wisconsin History Departments Department of Insurance Organization & Ownership State of Wyoming History Departments Department of Insurance
20 Organization & Ownership Weiss Ratings History Statistics Businesses Organization & Ownership Duplication or distribution of this report, and/or the data in this report, is strictly prohibited without the written consent of Tiburon Strategic Advisors, LLC 20
An Initial Overview of Insurance Agencies, Brokers, & Producer Groups
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