Alastair M. Cumming

Family Heritage Life Insurance Co. of America is a provider of supplemental health insurance products to American families. It focuses in helping people deal with the unexpected incidents such as strokes, heart attacks and automobile crashes. FHL sells accident and health insurance with supplemental cancer, heart, accident and indemnity insurance. The company was founded in 1989 and is headquartered in Cleveland, Ohio. They are a subsidiary of Torchmark Corp.

Combined Insurance Co. of America engages in the provision of health and life insurance products. The firm specializes in hospital essentials accident or sickness, cancer disability, critical conditions, short term disability, and supplemental life insurances. The company was founded by Clement W. Stone in 1922 and is headquartered in Chicago, IL.

Globe Life, Inc. (Investment Portfolio) (Globe Life-IP) is the investment management division of Globe Life, Inc. (NYSE: GL), a holding company headquartered in McKinney, Texas. Formerly known as Torchmark Corp., the firm specializes in life and supplemental health insurance for middle income Americans marketed through multiple distribution channels including direct response, and exclusive and independent agencies. Globe Life-IP manages the investment portfolio, debt, and cash flow for insurance segments and the corporate functions.