At the very core of our Company, we believe that a family's trust is sacred and that our obligations are binding. This is a conviction we inherited from our founders and have followed since our incorporation in 1905.

Honoring Our Commitments
We have always operated profitably, a rare feat among insurance companies and one that historically has protected families through economic and historic hardships.

For example, we filled requests for loans and surrender payments during the stock market crash of 1929 and the resulting economic depression of the 1930s, without ever resorting to a moratorium or a deferral of cash payments, as allowed by state insurance laws.

During both World Wars, we protected families by paying all claims for insureds who died serving their country. We did this at a time when most life insurance companies invoked policy war clauses to deny such payments. Honoring our commitments is one reason for our strength.