Server: Netscape-Enterprise/2.01 Date: Mon, 15 Dec 1997 17:47:45 GMT Accept-ranges: bytes Last-modified: Mon, 15 Dec 1997 17:46:17 GMT Content-length: 7078 Content-type: text/html Accept-ranges: bytes Cache-last-checked: Thursday, 18-Dec-97 10:22:01 GMT Proxy-agent: Netscape-Proxy/2.5 Allmerica Financial Products and Services

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Allmerica Financial at a glance

Managing Risk, Managing Assets, Managing to make a difference.

Below is the basic structure of the Allmerica Financial organization, as well as a rundown of the products and services we offer. By maintaining an even-handed approach to the two crucial elements of financial well-being-­risk management and asset management--we offer a richer source of financial solutions to the individuals, families and organizations we serve. The Allmerica Financial companies distribute products and services through five major operating units, some of which are comprised of smaller, more specialized enterprises.


Allmerica Financial
Risk ManagementAsset Management

 


The Allmerica Property And Casualty Companies

The Hanover Insurance Company and Citizens Insurance Company of America, Allmerica Financial's property and casualty insurance subsidiaries, market and underwrite a wide range of property and casualty coverage for personal and business use--including auto, homeowners, workers' compensation and commercial multiple peril policies. Licensed in all 50 states, Hanover Insurance maintains a strong presence in several U.S. regions, particularly the Northeast. Citizens is the largest property and casualty insurer in Michigan, and has recently expanded its operations into neighboring Indiana and Ohio.

 

Corporate Risk Management Services

Corporate Risk Management Services (CRMS), a division of First Allmerica Financial Life Insurance Company, provides employee benefit plans and administration, corporate claims management strategies, and workers' compensation administration and evaluation services for organizations with 50 to 5,000 covered employees. Besides group life, disability, dental and managed health care, CRMS offers employers integrated workers' compensation-disability- medical benefits administration, and group property and casualty insurance through Allmerica Financial subsidiaries.

 

 


 

Allmerica Financial Retail Services

Through the subsidiaries which comprise Allmerica Financial Retail Services (AFRS), a broad range of insurance and investment products and services are marketed to individuals and small and medium sized businesses. Specifically, the focus is on sales of variable insurance products through career agents, independent broker-dealers and financial planners--and on strategic marketing arrangements with other insurance and investment management companies.

 

Allmerica Asset Management

Allmerica Financial's investment management company manages assets for both our corporation and our clients. It also provides fixed-income investment advisory services to institutions, including other insurance companies and employers who self-fund their employee benefit and casualty insurance programs.

 

Allmerica Financial Institutional Services

This division provides retirement plan investment and management services to institutional clients, and markets custom-packaged programs--which include retirement, property and casualty, and corporate risk management products--to strategic partners, including banks and professional firms.