2020 Global Benefits Financing Matrix and Poolable Coverages

2020 Global benefits financing matrix and poolable coverages Complete listing of the nine global benefits networks and their affiliated insurers across 212 countries and territories 2020 Global benefits financing matrix and poolable coverages

SIGAL Life UNIQA Partner not Albania None None None None None Group Austria Life, None None disclosed Albania (L,A,D)

AXA Assurances Salama, Globus Algeria None None None Macir Vie (L,A,D) None None Algérie Vie SPA None Networks (L,A,M) (L,A,D,M)

Andorra None None None None None None None None Zurich Spain

Sanlam Pan-Africa, Saham Angola Saham Angola Fidelidades, Globus Angola None Saham Angola None None None None Seguros (L,A,D) Seguros Network (L,A,D,M) Seguros (L,A,D,M)

Pan-American Life Pan American Life Pan American Life Antigua and Sagicor Life Insurance Company None Insurance Group None None None None Insurance Group Barbuda (L,A,D,M) of the Eastern (L,A,D,M) (L,A,D,M) Caribbean (L,A,D,M)

HSBC Seguros Allianz Argentina Galicia Vida Prudential Seguros La Caja De Seguros de Vida Argentina Argentina None Compañía de SMG LIFE (L,A,D) MetLife Argentina Compañía de Zurich (L,A,D) S.A. (L,A,D) (L,A,D) (L,A,D)/Prudential Seguros S.A. Seguros (L,A,D) Seguros (L,A,D)

Alfastrakhovanie Armenia None None Ingo Armenia (A,M) None None None None None (L,A,D)

Pan American Life Pan-American Life Pan American Life Aruba None Insurance Group None None None Sagicor Life (L,A,D) Insurance Company of None Insurance Group (L,A,D,M) Aruba V.B.A. (L,A,D,M) (L,A,D,M)

Allianz Australia AIA (L,A,D)/ AIA Australia Limited AMP Life Limited MetLife Insurance Australia None Insurance Ltd/ MLC Limited (L,D) AMP (L,D) Hannover Life (L,D) One Path (L,A,D) (L,A,D) (L,D) Limited (L,D) AIA Australia

Allianz Elementar ERGO Versicherung Zuerich Lebensversicherungs/ Generali AG (in association UNIQA Österreich Wiener Städtische/ Gothaer UNIQA Insurance Versicherungs- Austria None Allianz Elementar Versicherung with BONUS Versicherungen Vienna Insurance Lebensversicherung Group (L,A,D,P) Aktiengesellschaft Versicherungs (L,A,D,M) Pensionskassen AG) (L,A,D,M) Group (L,A,D,M,P) (L,A,D) (L,A,D,P) (L,D,P)

Poolable coverages: L = Life A = Accident D = Disability M = Medical P = Pension Copyright © 2020 by Willis Towers Watson. All rights reserved in all countries. No part of this publication may be reproduced in any manner without prior written permission of the publisher. Information current as of January 2020. This matrix represents only those insurers that are able to issue locally admitted/authorized contracts in each country. Sources include information provided by the networks and network website geographical listing.

1 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Ateshgah Life Alfastrakhovanie Interteach Azerbaijan None Insurance/Ateshgah None None None None None (L,A,D) Corporation Insurance (L,A,D,M)

Utmost Worldwide Bahamas None None None None None None None None Limited (L,A,D)

MetLife Bahrain/ Bahrain National Life Arabia Insurance Zurich International Bahrain None None None None None AXA Gulf Bahrain (L,A,D,M) (L,M) Life (L,A,D) (L,A,D,M)

Bangladesh None None None None None None MetLife Bangladesh None None

Pan American Life Pan American Life Pan American Life Sagicor Life Barbados None Insurance Group None None None Insurance Group None Insurance Group (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Alfastrakhovanie Belarus None None Ingosstrakh Belarus None None None None None (L,A,D)

Allianz Benelux S.A. Athora Belgium AG Insurance AG Insurance AXA Belgium Belgium None Vivium (L,A,D,P) NN Goup (L,A,D,P) Vivium (L,A,D) (L,A,D,M,P) (L,A,D) (L,A,D,M,P) (L,D,M,P) (L,A,D,M)

Atlantic Insurance Atlantic Insurance Sagicor Life Belize None None None None None None (L,A,D,M) (L,A,D,M) (L,A,D,M)

Sanlam Pan-Africa, L'Africaine des Saham Assurance Saham Assurance Saham Assurance SUNU Assurances Assurances, Vie, Benin None Vie Bénin/Saham None None Bénin/Saham None Vie (L,A,D) Vie Bénin (L,A,D,M) Globus Network Assurance Bénin Assurance Vie Bénin (L,A,M) (L,A,D)

Bermuda Life Bermuda None None None None None None None None Insurance (L,A,D,M)

Bhutan None None None None None None None None None

La Boliviana Ciacruz Bolivia None None None None None None None None Seguros (L,A,D)

2 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pan-American Life Pan American Life Pan American Life Insurance Company Bonaire None Insurance Group None None None None None Insurance Group of Curacao and St. (L,A,D,M) (L,A,D,M) Maarten, N.V. (L,A,D,M)

Bosnia and Zavarovalnica Triglav, Uniqa Osiguranje Partner not None None None None None None Herzegovina d.d. (L,A,D,M) (L,A,D) disclosed

Sanlam Pan-Africa, Botswana Life Metropolitan Life Botswana None Botswana Life None Hollard Life (L,A,D) None None None Insurance Ltd Botswana Insurance (L,A,D)

Icatu Seguros/Inpao Allianz Seguros S.A/ Generali Brasil MAPFRE Vida SA Care Plus (M)/ICATU Dental/Mongeral Zurich Minas Brazil Brazil None Chubb do Brazil (L,A) MetLife Brasil (L,D) Allianz Saúde S.A (L,A,D)/Sul America (L,A,D) Seguros (L,A,D) AEGON Brazil Seguros (L,A,D) (L,A,D,M)

AIA Singapore National Insurance Tokio Marine Life Private Limited Brunei None Company Berhad/ None Aviva Ltd. (L,D,M) None Insurance Singapore None AIA (L,A,D,M) (Brunei Branch) AIA Brunei Ltd (L,A,D,M) (L,A,D,M)

Bulstrad Life Vienna Allianz Bulgaria Life Generali Insurance Uniqa Insurance MetLife Bulgaria Bulgaria None NN Bulgaria (L) None None Insurance Group Insurance Co. (L,A,D,M) (L,A,D) (L,A,D) (L,A,D,M)

Sanlam Pan-Africa, Saham Assurance Saham Assurance Vie Burkina SUNU Assurances Saham Assurance Sonar, Globus Burkina Faso None Vie Burkina Faso/ None None Faso/Saham IARD Burkina Faso None Vie (L,A,D) Network (L,A,M) Saham Assurance Assurance Burkina (L,A,D,M) Burkina Faso (L,A,D) Faso

Bicor, Globus Burundi None None None None None None None None Network (L,A,M)

Garantia, Globus Cabo Verde None None None None None None None None Network

AIA (Cambodia) Life Manulife Cambodia None AIA Cambodia Generali Life (L,A,D) None None None None Insurance Plc (L) (Cambodia) Plc

3 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Sanlam Pan-Africa, Allianz Cameroun AXA Assurances Saham Life Insurance Saham Life Insurance Assurances/ Cameroun (A,M)/ Saham Life Insurance Cameroon/ Activa, Globus Cameroon None Cameroon/ Allianz Cameroun None SUNU Assurances None Cameroon (L,A,D) Saham Assurance Network (L,A,M) Saham Assurance Assurances Vie IARD Cameroun Cameroon Cameroon (L,A,D) Branch (L,D)

Manulife Financial Desjardins Financial Industrial Alliance Manulife Financial SSQ Insurance Co. Sun Life Financial Corporation - Security Life Great West Life Canada None Manulife (L,D) Insurance & Financial (L,A,D,M) (L,A,D,M) (L,A,D,M) Canadian Division Assurance Company (L,D,M) Services (L,A,D,M) (L,A,D,M) (L,A,D,M)

Pan American Life Pan American Life Pan American Life Cayman Utmost Worldwide None Insurance Group None None Sagicor Life Insurance Group None Insurance Group Islands Limited (L,A,D) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Central SUNU Assurances African None None None None None None IARD Centrafrique None None Republic (L,A,D,M) (CAR)

SAAR, Globus Chad None None None None None None None None Network (L,A,M)

Seguros De Vida MAPFRE Compañía MetLife Chile Chilena Consolidada BICE Vida Compañía Vida Security Chile None None None Suramericana S.A. de Seguros de Vida Seguros de Vida S.A. Seguros de Vida de Seguros (L,A,D,M) (L,A,D,M) (L,A,D,M) de Chile (L,D) (L,A,D,M) (L,A,D,M)

AIA Company Limited, Shanghai China Life/ Taiping Pension Ping An Annuity Branch on behalf China Pacific Life Company, Limited/ Insurance Company of all branches and China Life Insurance Allianz China Life Generali China Life ICBC AXA Life Insurance/ China Manulife-Sinochem (L,A,D,M)/Ping An AIA (L,A,D,M) sub-branches of AIA Co., Ltd (L,A,D,M) Insurance Co. Ltd (L,A,D,M) Insurance (L,A,D,M) Ping An Health/ Life Insurance Co. Health Insurance Company Limited Ping An Life (L,A,D,M) Company (L,A,D,M) in Mainland China (L,A,D,M) (L,A,D,M)

Pan American Life MetLife Colombia Compania de Allianz Seguros de Seguros Bolivar MAPFRE Seguros de Seguros Bolivar Seguros Bolivar Colombia None Insurance Group Seguros de Vida Seguros Bolivar SA Vida S.A. (L,A,D,M,P) (L,A,D,M) Colombia (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M)

Comoros None None None None None None None None None

4 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pan American Life MAPFRE Seguros Pan-American Life Pan American Life Assa Seguros Costa ASSA Compania De MAPFRE Seguros Costa Rica None Insurance Group Costa Rica, S.A. None Insurance de Costa Insurance Group Rica (L,A,D,M) Seguros (L,A,D,M) (L,A,D) (L,A,D,M) (L,A,D) Rica (L,A,D,M) (L,A,D,M)

Sanlam Pan-Africa, Allianz Côte d'Ivoire Saham Assurance Sunu Assurances Vie L'Africaine des Saham Assurance Assurances/ Saham Assurance Vie Côte d’Ivoire/ Côte d'Ivoire (L,A,D)/ Assurances, Atlanta, Cote d'Ivoire None Vie Côte d’Ivoire/ None None Allianz Côte d'Ivoire Vie (L,A,D) Saham Assurance AXA Assurances SAAR VieGlobus Saham Assurance Assurances Vie Côte d’Ivoire Côte d'Ivoire (M) Network (L,A,M) Côte d’Ivoire (L,A,D)

Zavarovalnica Triglav, Generali Osiguranje Uniqa Osiguranje Uniqa Osiguranje Partner not Croatia None Allianz Zagreb d.d. None None d.d. (L,A,D,M) (L,A,D,M) (L,A,D) d.d.(L,A,D,M) disclosed

Cuba None None None None None None None None None

Pan-American Life Pan American Life Insurance Company Pan American Life Sagicor Life Curacao None Insurance Group None None None of Curacao and None Insurance Group (L,A,D,M) (L,A,D,M) St. Maarten, N.V. (L,A,D,M) (L,A,D,M)

Zurich Europe Life Insurance Company BUPA Acibadem MetLife Cyprus Cyprus None None None None None None Ltd Luxemburg, (L,A) (L,A,D,M) Freedom of Service (L,A,D)

NN Životní Czech Generali Ceska Uniqa pojistovna a.s. MetLife Czech Kooperativa CZ pojištonvna N.V. None NN Životní pojišťovna Allianz pojistovna a.s. None Republic Pojistovna (L,A,D,M) (L,A,D) Republic (L,A,D) (L,A,D) (A)/Partner not disclosed

Democratic Sanlam Pan-Africa, Republic of None Saham Assurance None None None None None None None the Congo Congo

Danica Pension/PFA Velliv Liv & Pension Danica Pension Danica Pension Danica Pension Topdanmark Liv Denmark None AP Pension (L,A,D) PFA Pension (L,D,P) Pension (L,D)/Topdanmark (L,D,P) (L,D,P) (L,D,P) (L,D,M) (L,D,P) (L,A,D,M)

Djibouti None None None None None None None None None

5 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pan-American Life Pan American Life Insurance Company Pan American Life Sagicor Life Dominica None Insurance Group None None None of the Eastern None Insurance Group (L,A,D,M) (L,A,D,M) Caribbean, Ltd. (L,A,D,M) (L,A,D,M)

MAPFRE BHD Pan American Life Grupo Universal ARS Universal (M)/ Compañía de Seguros Universal - Seguros Universales Dominican None Insurance Group (Seguros y ARS) Seguros Universal Seguros, S.A./ARS None through PALIG None ARS through PALIG Republic (L,A,D,M) (L,A,D,M) (L,A,D,M) Palic Salud, S.A. (L,A,D,M) (L,A,D,M) (L,D,M)

MAPFRE Atlas Pan American Life Pan American Life Pan American Life Generali Ecuador Ecuador None None Compañia de None Insurance Group None Insurance Group Insurance Group (L,A,D,M) Seguros S.A. (L,A,D,M) (L,A,D,M)

Allianz Egypt Egyptian Life Takaful Egyptian Life Takaful MetLife Egypt/AXA Orient Takaful Egypt None None None None (L,A,D,M,P) (L,A,D,M) Company Egypt (L,A,D,M) Insurance Egypt

Pan American Life Aseguradora ASSA Vida MAPFRE Seguros Pan American Life Pan American Life MAPFRE La Centro El Salvador None Insurance Group Agricola Comercial Compania De El Salvador S.A. None Insurance Group Insurance Group Americana (L,A,M) (L,A,D,M) ACSA (L,A,D,M) Seguros (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

L'Africaine des Equatorial Assurances, Vie, None None None None None None None None Guinea Globus Network (L,A,M)

Eritrea None None None None None None None None None

Ergo Life Insurance Estonia None SEB Trygg Liv None None None None None None SE Eesti filiaal (L,A,D)

Eswatini (formerly None None None Hollard Life (L,A,D) None None None None None Swaziland)

Awash Insurance, Ethiopia None None None None None None None None Globus Network (L,A,D,M)

6 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Fiji None None None None None None None None None

Zurich Europe Life Localtapiola General Mandatum Life Insurance Company Mutual (A,M)/ Mandatum Life Finland None None None Insurance Company None Ilmarinen Ltd Luxemburg, Localtapiola Mutual (L,D,P) (L,D) Freedom of Service Life (L,D,M) (L,A,D)

Malakoff Humanis/ AXA France Vie/ Swiss Life Allianz France Generali France Groupama Gan Vie AXA France Vie AG2R La Mondiale France None Malakoff Humanis Malakoff Humanis Prévoyance et Santé (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

Malakoff Humanis/ AXA France Vie/ Swiss Life French Allianz France Generali France Groupama Gan Vie AXA Caraïbes AG2R La Mondiale None Malakoff Humanis Malakoff Humanis Prévoyance et Santé Guiana (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

Malakoff Humanis/ Swiss Life French Allianz France Generali France AXA France Vie AG2R La Mondiale None Malakoff Humanis None None Prévoyance et Santé Polynesia (L,A,D,M) (L,A,D,M) (Polynésie) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,A,D,M)

Sanlam Pan-Africa, AXA Assurances Saham Assurance Saham Assurance Gabon (A,M)/Sunu ASSINCO, Globus Saham Assurance Gabon None Vie Gabon/Saham None None Vie Gabon/Saham Assurances Vie None Network/OGARVIE Vie (L,A,D) Assurance Gabon Assurance Gabon Gabon (Groupe (L,A,M) (L,A,D) SUNU) (L,A,D,M)

Gambia None None None None None None None None None

Alfastrakhovanie Georgia None None Aldagi (L,A,D) None None None None None (L,A,D)

Allianz Dialog Versicherung Lebensversicherungs- (A)/Central Alte Leipziger Zurich Deutscher AG/Allianz Private Gothaer AXA Health Germany Krankenversicherung Lebensversicherung Swiss Life Germany Herold Germany None Gothaer (L,A,D) Krankenversicherungs- Lebensversicherung and AXA Life (M)/Dialog (L,D,P)/HALLESCHE (L) Lebensversicherungs AG/Allianz AG (L,D) Germany (L,A,D,M) Lebensversicherung Krankenversicherung AG (L,A,D) Versicherungs-AG (L,D) (L,A,D,P)

Sanlam Pan-Africa, Nationwide Mutual SUNU Ghana (Equity Saham Life Insurance Metropolitan Life Activa, Globus Ghana None Saham Life Insurance Allianz Ghana Health/Vanguard None Assurance Limited Ghana Ghana Network (L,A,M) Ghana (L,A,D) (L,A,D) Ghana) (A,M)

7 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Interamerican Allianz Hellas Generali Hellas ETHNIKI Hellenic Hellenic Life MetLife Greece Groupama Phoenix Greece None NN Hellas(L,A,D,M) Insurance Co. S.A. None (L,A,D,M) General (L,A,D,M) Insurance Company (L,A,D,M) (L,A,D,M) (L,A,D,M,P) (L,A,D,M)

Pan American Life Pan American Life Pan American Life Sagicor Life Grenada None Insurance Group None None None Insurance Group None Insurance Group (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Malakoff Humanis/ AXA France Vie/ Swiss Life Allianz France Generali France Groupama Gan Vie AXA Caraïbes AG2R La Mondiale Guadeloupe None Malakoff Humanis Malakoff Humanis Prévoyance et Santé (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

Guam None None None None None None None None None

MAPFRE Pan American Life MAPFRE Seguros Pan-American Pan American Life Aseguradora General Assa Compania De Guatemala/El Roble Guatemala None Insurance Group Guatemala, S.A. None Life Insurance de Insurance Group S.A. (L,A,D,M) Seguros (L,A,D,M) Seguros (L,A,D,M) (L,A,D,M) Guatemala (L,A,D,M) (L,A,D,M) (L,A,D,M)

Sanlam Pan-Africa, Ugar Activa, LGV, Saham Assurance Saham Assurance SUNU Assurances Guinea None Saham Assurance None None None Globus Network (L,A,D) Guinée Guinée (L,A,D,M) Guinée (L,A,D,M) (L,A,M)

Guinea- None None None None None None None None None Bissau

Guyana None None None None None None None None None

Haiti None None None None None None None None None

Pan American Life MAPFRE Seguros Pan American Life Pan American Life Seguros Davivienda Assa Compania De MAPFRE Seguros Honduras None Insurance Group Honduras, S.A. None Insurance Company Insurance Group (L,A,D,M) Seguros (L,A,D,M) Honduras (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Sun Life Hong Kong AIA International FWD General AXA China Region/ AIA (L,A,D,M)/ AIA International Generali Hong Kong Manulife International AXA Hong Kong /FWD Group Office Hong Kong Limited, Hong Kong Insurance Company Manulife Hong Kong Zurich Life Insurance Limited Branch (L,A,D,M) (L,A,D,M) (L,A,D,M) Singapore Branch (L,A,D,M) Limited (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M)

8 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members NN Nationale- Allianz Hungaria MetLife Hungary Nederlanden NN Insurance Co.Ltd Generali Biztosito Aegon Hungary Uniqa Biztosító UNION Biztosito Hungary None Biztosito Zrt. (L,A,D)/Vienna Life Insurance (L,A,D)/ (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M) (L,A,D,M) Hungary (L,A,D,M) Partner not disclosed

Iceland None None None None None None None None None

Bajaj Allianz Life Future Generali ICICI Prudential Life TATA AIA Life Reliance Nippon Life PNB MetLife India Insurance Co. Ltd./ India (A,M)/Future Kotak Mahindra Insurance Company India Insurance Company Insurance Company Max Life Insurance HDFC Standard Life Insurance Company Bajaj Allianz General Generali India Life (L)/ICICI Lombard Limited (L,A) Limited Limited (L,A,D) Insurance Co. Ltd. (L,A,D) (A,M)

FWD Group Office PT. AIA Financial FWD Life Indonesia Allianz Life Indonesia Generali Indonesia PT. Asuransi Jiwa Allianz Life Indonesia Singapore/ Indonesia Astra Life (L,A,D,M) AIA (L,A,D,M) (L,A,D,M) (L,A,M) (L,A,D,M,P) (L,A,D,M) Manulife (L,A,D,M) (L,A,D,M) PT Avrist Assurance (L,A,D,M)

Iran None None None None None None None None None

Iraq None None None None None None None None None

New Ireland Friends First Life New Ireland (L,A,D)/ Utmost Paneurope Irish Life Assurance Zurich Life Ireland None None Assurance Company Assurance Co. Ltd Irish Life (L) Laya (M) DAC (L,A,D) (L,D) Assurance plc (L,D) (L,D) (AVIVA). (L,A,D)

Harel Insurance Israel None None None Migdal None None None None Company (L,A,D,M)

UnipolSai Società Reale Mutua Zurich Investment Allianz Generali Italia Assicurazioni S.p.A. UnipolSai AXA Assicurazioni Italy None di Assicurazioni Nobis Vita (L,D) Life Spa (L,D)/Zurich S.p.A.(L,A,D,M,P) (L,A,D,M) (L,D,P)/ Assicurazioni (L,D) (L,A,D,M) (L,A,D,M) Insurance plc (A,M) UniSalute S.p.A. (M)

Sagicor Life Jamaica Jamaica None None None None None Sagicor Life None None Limited (L,A,D,M)

Meiji Yasuda Life MetLife Alico Japan Nippon Life Insurance Co./Meiji The Dai-ichi Life Fuji Life Insurance Taiju Life Insurance Asahi Mutual Life (L,A,D,M)/AXA Life Meiji Yasuda Life Japan Insurance Company Yasuda General Insurance Company None Company Ltd (L,A) Company (L,A,D,M) Insurance (L,D) Insurance Japan (L,A) (L,A,D) Insurance Co. Ltd. Limited (L,D,M) (L,M) (L,A,P)

9 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Al Nisr Al-Arabi Middle East MetLife Jordan Arabia Insurance Jordan Insurance Jordan None None None None Insurance Co. Ltd. Insurance (L,A,D,M) (L,A,D,M) (L,M) Company (L,A,D)

Alfastrakhovanie Interteach European Insurance Kazakhstan None None None None None None (L,A,D) Corporation Life (L,A,D)

Sanlam Pan-Africa, Sanlam Life Sanlam Life Insurance Ltd/ Jubilee, Globus Kenya None Insurance/Sanlam Allianz Kenya Jubilee (L,A,D) None None Metropolitan Kenya Sanlam General Network (L,A,D,M) General Insurance Insurance Ltd (L,A,D,M)

Kiribati None None None None None None None None None

SIGAL Life UNIQA Partner not Kosovo None None None None None Group Austria, None None disclosed Kosovo (L,A,D)

Gulf Insurance Warba Insurance MetLife Kuwait Kuwait None & Reinsurance None None None Arabia Insurance Cigna (M) (L,A,D,M) (L,A,D,M) Company (L,A,D,M)

Alfastrakhovanie Kyrgyzinstrakh Kyrgyzstan None None None None None None None (L,A,D) (L,A,D)

Laos None None Allianz General Laos Generali Life (L,A,D) None None None None None

Ergo Life Insurance Utmost Paneurope ERGO Life Insurance Latvia None SEB Trygg Liv None None None None SE Latvijas filiale DAC (L,A,D) SE (L,A,D) (L,A,D)

MetLife Lebanon (L,A,D,M)/AXA Lebanon None None Allianz SNA None None None Arabia Insurance None Middle East SAL (L,A,D,M)

Metropolitan Life Lesotho None None None None None None None None Lesotho

10 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

SUNU Liberia - Equity Activa International, Liberia None None None None None None Assurance Company None Globus Network Limited Libéria (A) (L,A,M)

Libya None None None None None None None None None

Swiss Mobiliar Life AXA Liechtenstein AXA Switzerland Zurich Life Insurance Liechtenstein None None None None None (L,D) (L,D,P) (L,A,D) Company Ltd (L,A,D)

ERGO Life Insurance Ergo Life Insurance Lithuania None SEB Trygg Liv None None None None None SE (L,A,D) SE (L,A,D)

La Luxembourgeoise (L,A,D,P) Allianz Life Cardif Lux Vie S.A. Cardif Lux Vie AXA Luxembourg Swiss Life Luxembourg None Foyer Vie (L,A,D) La Baloise (L,D) Luxembourg S.A. (L,A,D,P) (L,A,D,P) (L,A,D,M) Luxembourg (L,A,D)

AIA International AXA China Region FWD Group Office AXA Hong Kong Macau Limited, Macau None AIA Macau None Insurance Company None Singapore/ AIA (L,A,D,M) (L,A,D,M) Branch (L,A,D,M) Limited Ping An Life (L,A,D,M)

Macedonia Eurolink Insurance Uniqa Life ad Skopje Partner not None None None None None None (FYROM) Skopje (L,A,D,M) (L,A,D) disclosed

Sanlam Pan-Africa, Saham Assurance Allianz Madagascar Saham Assurance Saham Assurance ARO, Globus Madagascar None None None None Madagascar Assurances (L,A,D) Madagascar Network (L,A,M) (L,A,D,M)

Sanlam Pan-Africa, NICO Life Insurance Malawi None NICO Life Insurance None None None None None None Company Ltd (L,A,D)

AXA AFFIN General Allianz Life Insurance Great Eastern Life Allianz Malaysia Insurance Berhad & Hong Leong Malaysia AIA Bhd. (L,A,D,M) None AIA Bhd. (L,A,D,M) AIA (L,A,D,M) Malaysia Berhad (L,A,D,M) (L,A,D,M) AXA Affin (L,A,D,M)/ (L,A,D,M) AmMetLife (L,A,D,M)

Maldives None None None None None None None None None

11 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Sanlam Pan-Africa, Saham Assurance Saham Assurance Lafia, Sonavie, Saham Assurance SUNU Assurances Mali None Vie Mali/Saham None None Vie Mali/Saham None Globus Network Vie (L,A,D) IARD Mali (L,A,M) Assurance Mali Assurance Mali (L,A,M) (L,A,D)

Utmost Paneurope AXA Global Malta None None Citadel Insurance plc. None None None None DAC (L,A,D) Healthcare (L,A,D,M)

Marshall None None None None None None None None None Islands

Malakoff Humanis/ AXA France Vie/ Swiss Life Allianz France Generali France Groupama Gan Vie AXA Caraïbes AG2R La Mondiale Martinique None Malakoff Humanis Malakoff Humanis Prévoyance et Santé (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

NASR, Globus Mauritania None None None None None None None None Network (L,A,M)

Mauritius Union International Assurance, La SWAN Life Limited Mauritius None Sanlam Pan-Africa None Assurance Life None None None Prudence Life, (L,D) (L,A,D) Globus Network (L,A,D,M)

Malakoff Humanis/ AXA France Vie/ Swiss Life Allianz France Generali France AXA France AG2R La Mondiale Mayotte None Malakoff Humanis Malakoff Humanis None Prévoyance et Santé (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

Metlife México Zurich Vida Allianz México Seguros Monterrey Seguros Monterrey Grupo Nacional Grupo Nacional S.A. (L,A,D,M)/AXA Compania de Mexico None S.A. Compañía de New York Life New York Life Seguros Inbursa (M) Provincial (L,A,D,M) Provincial (L,A,D,M) Seguros, S.A. de C.V Seguros S.A. Seguros (L,A,D,M,P) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Micronesia None None None None None None None None None

European Insurance Moldova None Alfastrakhovanie None None None None None None Life (L,A,D)

12 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Malakoff Humanis/ AXA France Vie/ Swiss Life Allianz France Generali France Groupama Gan Vie AXA France, Monaco AG2R La Mondiale Monaco None Malakoff Humanis Malakoff Humanis Prévoyance et Santé (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,A,D,M) (L,D,M) (L,A,D,M)

Mongolia None None None None None None None None None

Zavarovalnica Triglav, Generali Montenegro UNIQA nezivotno Partner not Montenegro None None None None None d.d. (L,A,D,M) (L,A,D,M) osiguranje (L,A,D) disclosed

Sanlam Pan-Africa, RMA Watanya/ La Companie Saham Assurance AXA Assurance SAHAM Assurance Morocco None Saham Assurance Allianz Maroc None Saham Assurance d'assurances et de (L,A,D,M) Maroc SA (L,A,D,M) (L,A,D,M) Maroc (L,A,D,M) Maroc Reassurance Atlanta

Sanlam Pan-Africa, Sanlam Mocambique Global Alliance Mozambique None Sanlam Seguro de None Hollard Life (L,A,D) None Vida Companhia de None None Seguros, Globus Vida (L,A,D) Seguros, SA Network (L,A)

Myanmar AIA Myanmar (L) None None Generali Life (L,A,D) None None None None None

Sanlam Pan-Africa, Old Mutual Life Sanlam Life Namibia MMI Holdings Namibia None Sanlam Life None Hollard Life (L,A,D) None None (L,A,D,P) Limited Namibia Insurance (L,A,D)

Nauru None None None None None None None None None

Nepal None None None None None None MetLife Nepal None None

AEGON Utmost Paneurope Nationale- Schadeverzekering Nationale- DAC (L,D)/Utmost a.s.r./ Nederlanden Leven Allianz Netherlands NV (D)/AEGON Netherlands None Nederlanden (L,D,P)/ Paneurope DAC De Amersfoortse (L,D,P)/Nationale- Achmea (L,A,D,M) Zwitserleven (L,D,P) (A,D,P) Levensverzekering elipsLife (L,D) through Hienfeld Insurance (L,D,P) Nederlanden Schade NV (L) Assuradeuren (A) (D)

Fidelity Life New AIA New Zealand AIA New Zealand AMP New Zealand AMP New Zealand None AIA New Zealand Assurance Company Hannover Life (L,A) AIA (L,A,D) Zealand Limited (L,A,D) (L,D) (L,D) (L,D) Limited (L,D)

AXA France, New- Allianz France Generali France AG2R La Mondiale None None None None Nouvelle-Calédonie None Caledonia (L,A,D,M) (L,A,D) (L,A,D,M) (L,A,D,M)

13 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pan American Life MAPFRE Seguros Seguros America Seguros America Assa Vida Compania Seguros America MAPFRE Nicaragua Nicaragua None Insurance Group Nicaragua, S.A. None -through PALIG) (L,A,D,M) De Seguros (L,A,D,M) (PALIG) (L,A,D,M) (L,A,D) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Sanlam Pan-Africa, Saham Assurance Sunu Assurances NIA, Globus Network Niger None Saham Assurance None None None None (L,A,D) IARD Niger (L,A,D,M) (L,A,M) Niger

AXA Mansard Sanlam Pan-Africa/ Insurance (L,A,D)/ AXA Mansard Leadway, Globus Nigeria None FBN Insurance Allianz Nigeria AXA Mansard (L,A,D) None None FBN Insurance Insurance Network (L,A,D) (L,A,D) Limited

North Korea None None None None None None None None None

Nordea Liv Norge DNB Livsforsikring Nordea Liv Norge, AS/Trygg Forsikring Danica Pensjon/DNB DNB Livsforsikring Norway None Storebrand (L,D,P) Storebrand (L,D,P) Gjensidige (L,A,D,M) ASA, Danica Tryg Forsikring A.S. (L,D) Livsforsikring ASA (L,A,D,M) (L,D) (L,A,D)

MetLife Oman Arabian Falcon Orient Insurance Oman Insurance Oman None None None None (L,A,D,M)/AXA Gulf Arabia Insurance Insurance (L,A,D)/ Company (L,A,D,M) Oman (L,A,D,M) Cigna (M)

Allianz EFU Health IGI Life Insurance Pakistan None None Insurance LTD./EFU Jubilee (L,A,D,M) None None None None (L,A,D,M) Life Assurance LTD.

Palau None None None None None None None None None

Palestine None None None None None None None None None

Pan American Pan American Life Pan American Life Assa Seguros Assa Compania De MAPFRE Panama, Sagicor Life Life Insurance MAPFRE Panama, Panama None Insurance Group Insurance Group Panama (L,A,D,M) Seguros (L,A,D,M) S.A. (L,A,D,M) (L,A,D,M) de Panamá, S.A. S.A. (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Papua New None None None None None None None None None Guinea

Seguridad Seguros MAPFRE Paraguay Seguridad Seguros Paraguay None None None None None None (L,A,D,M) (L,A,D) (L,A,D,M)

14 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pacífico Compañía RIMAC Seguros y Rimac Seguros MAPFRE Perú RIMAC Seguros Rimac Internacional Peru None None de Seguros y None Reaseguros S.A. (L,A,D,M) (L,A,D,M) (L,A,D,M) Seguros (L,A,D,M) Reaseguros (L,A,D)

The Philippines United Coconut Etiqa Life and First Life/FWD American Life and Planters Life Generali Philippines General Assurance Philippines AXA Life Philippines Pioneer Life Inc. Insular Life (L,A,D,M) Group Office Philam Life (L,A,D,M) General Insurance Assurance Corp. (L,A,D,M) Philippines, Inc. Insurance (L,A,D) Singapore (L,A,D,M) Company (L,A,D,M) (L,A) (L,A,D,M)

Aviva Towarzystwo TU Allianz Życie Generali Zycie Ubezpieczen na AXA Życie ERGO Hestia NN Group Poland Polska S.A./TUiR T.U.S.A. (L,A,D,M)/ Unum Życie TUiR Zycie (L,A,D)/ Towarzystwo Compensa Group Poland None S.A. (L,D)/Uniqa (L,A,D) Allianz Polska Generali T.U.S.A. S.A. (L,A,D,M) UNIQA Towarzystwo Ubezpieczen (L,A,D,M) (L,A,D,M) S.A.(L,A,D,M,P) (A,M) Ubezpieczen na (L,A,D,M) Zycie S.A. (L,A,D)

Generali Companhia Grupo AGEAS Companhia de De Seguros (A,M)/ Zurich Companhia Portugal/Médis & Seguros Allianz Victoria Seguros Tranquilidade MetLife Portugal Una Seguros Portugal None Generali Vida de Seguros Vida Ocidental Seguros Portugal S.A. (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M) Companhia De (L,A,D) (L,A) (L,A,D,M,P) Seguros (L,A,D)

Pan American Life Prudential Insurance Pan American Life Mapfre Life Puerto Rico None Insurance Group None None Company of America MetLife US None Insurance Group Insurance (L,A,D,M) (L,A,D,M) (L,D) (L,A,D,M)

MetLife Qatar Arabian Insurance Allianz Worldwide Qatar None None None None None (L,A,D,M)/AXA Gulf Arabia Insurance Company (L,A,D)/ Partners Qatar (L,A,D,M) Cigna (M)

Assurances Republic of Sanlam Pan-Africa Allianz Congo Saham Assurance AGC Congo Générale du Congo, None None None None the Congo (L,A,D) Assurances Congo (L,A,D,M) Globus Network (L,A,M)

Uniqa Asigurari/ NN Asigurari de Viata Allianz-Tiriac Generali Romania MetLife Romania Groupama Asigurari Romania None None Uniqa Asigurari de None (L,A,D) Asigurari S.A. (L,A,D,M) (L,A,D) (L,A,D,M,P) Viata (L,A,D,M)

15 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Kapital Life Insurance Ingosstrakh Reso Garantia Alfastrakhovanie OJSC IC Allianz/ Welbi Rosgosstrakh Life Rosgosstrakh LLC Rosgosstrakh Life IC Russia None Insurance (M)/Ingo (L,A,D,M)/MetLife (L,A,D,M) Allianz Russia Life (L,A,D,M) (L,A,D,M) Rosgosstrakh Life Ltd. (L,A,D) Life (L,A,D) Russia (L,A,D,M) (L,A,D,P)

Sanlam Pan-Africa, Sanlam Life Radiant (A,M)/ Soras Vie Ltd/Soras Rwanda None Insurance/Sanlam None None None None None Globus Network, Assurance General General Insurance Sonar (L,A,M) (L,A,D)

Samoa None None None None None None None None None

Generali Italia San Marino None None None None None None None Zurich Italy (L,A,D) (L,A,D,M)

São Tomé SUNU Gabon SAAR, Globus None None None None None None None and Príncipe (L,A,D,M) Network (L,A,M)

MetLife Saudi Allianz Saudi Walaa Cooperative Arabia (L,A,D)/ United Cooperative Arabian Shield Saudi Arabia None Fransi Cooperative None None None Insurance Co (M) AXA Cooperative Assurance Company (L,A,D)/SAICO (M) Insurance Company (L,A,D,M)

Sanlam Pan-Africa, Sunu Assurances Salama, Globus Allianz Sénégal Saham Assurance Saham Assurance IARD Sénégal Network (A,M)/La Assurances/Allianz Saham Assurance Senegal None Vie Senegal/Saham None Vie Senegal/Saham (L,A,D,M)/AXA None Senegalaise Vie, Sénégal Assurances Vie (L,A,D) Assurance Sénégal Assurance Sénégal Assurances Sénégal Globus Network Vie (L,A,D) (M) (L,A)

Zavarovalnica Triglav, Generali Osiguranje Serbia None None None Uniqa Osiguranje None None None d.d. (L,A) Srbija (L,A,D,M)

Mauritius Union Assurance, La Seychelles None None None None None None None None Prudence Life, Globus Network (L,A,D,M)

Activa International, Sierra Leone None None None None None None None None Globus Network (L,A,M)

16 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members AXA Insurance Pte AIA Singapore Tokio Marine Life Prudential/ Ltd/AIA Singapore Great Eastern Life AXA Insurance Singapore Private Limited AXA Life (L,A,M) Aviva Ltd. (L,D,M) Insurance Singapore Aetna Singapore AIA (L,A,D,M) Private Limited (L,A,D,M) (L,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Allianz - Slovenská Generali Slovensko Uniqa Poistovna MetLife Slovakia Kooperativa SK Slovakia None None None None poist'ovňa a.s. Poistovna (L,A,D,M) (L,A,D) (L,A,D) (L,A,D)

Uniqa Osiguranje Zavarovalnica Triglav, Generali Zavarovalnica Zavarovalnica Sava Slovenia None None ERGO Slovenia Croatia (freedom of None d.d. (L,A,D,M) Zavarovalnica (L,A,D) Maribor (A) d.d. (L,A) service) (L,A)

Solomon None None None None None None None None None Islands

Somalia None None None None None None None None None

Sanlam Life Sanlam Employee Old Mutual Life Capital Alliance Momentum Life Alexander Forbes South Africa None Insurance Ltd. Hollard Life (L,A,D) Sanlam (L,A,D) Benefits (L,A,D) (L,A,D,P) Liberty Group (L,A,D) (L,A,D) Life (L,A,D) (L,A,D,P)

AIA Life Insurance Samsung Life Hanwha Life South Korea Company Limited None AIA Korea Kyobo Life (L,A,D,M) None None AIA (L,A,D) (L,A,D,M) (L,A,D,M) (L,A,D,M)

South Sudan None None None None None None None None None

Allianz Compañía Nationale- de Seguros y Caja de Seguros Vida Caixa/ Generali Seguros AXA Spain (L,A,D,M)/ Zurich Vida (L,A,D)/ Spain None Nederlanden Spain Reaseguros S.A./ Reunidos (CASER) España S.A. (L,A,D) SegurCaixa Adeslas Espana (L,A,D,M) MetLife Spain (L,A,D) Cigna (M) (L,A,D) Allianz Seguros (L,A,D) (L,A,D,M) (L,A,D,P)

AIA Insurance Lanka Allianz Insurance Sri Lanka None None None None None None AIA (L,A,D) PLC (L,A,D) Lanka Ltd.

Pan-American Life Pan American Life Insurance Company Pan American Life Sagicor Life St. Kitts None Insurance Group None None None of the Eastern None Insurance Group (L,A,D,M) (L,A,D,M) Caribbean, Ltd. (L,A,D,M) (L,A,D,M)

17 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Pan-American Life Pan American Life Insurance Company Pan American Life Sagicor Life St. Lucia None Insurance Group None None None of the Eastern None Insurance Group (L,A,D,M) (L,A,D,M) Caribbean, Ltd. (L,A,D,M) (L,A,D,M)

Pan-American Life Pan American Life Pan American Life St. Maarten/ Insurance Company None Insurance Group None None None None None Insurance Group St Martin of Curacao and St. (L,A,D,M) (L,A,D,M) Maarten (L,A,D,M)

Pan-American Life Pan American Life Insurance Company Pan American Life Sagicor Life St. Vincent None Insurance Group None None None of the Eastern None Insurance Group (L,A,D,M) (L,A,D,M) Caribbean, Ltd. (L,A,D,M) (L,A,D,M)

Sudan None None None None None None None None None

Suriname None None None None None None None None None

Utmost Paneurope Danica Pension Sweden None SEB Trygg Liv Danica Pension SPP (L,D) SPP (D,P) None None Dac (L,A,D) (L,A,D)

Allianz Suisse Zurich Lebensversicherung- Lebensversicherungs Gesellschaft AG/ Generali Assurances Swiss Mobiliar Life AXA Switzerland AXA Winterthur Swiss Life/Helsana - Gesellschaft Switzerland None Allianz Suisse Generales (A,D)/ Bâloise (L,D,P) (L,D) (L,D,P) (L,A,D) (L,A,D) (L,A,D)/Zurich Versicherungs- Helvetia (L,D) Versicherungs- Gesellschaft AG Gesellschaft (A,D) (L,A,D)

Syria None None None None None None None None None

Mercuries Life AIA International Nan Shan Life Insurance Co. Ltd./ Shin Kong Life China Life Insurance Nan Shan Life TransGlobe Life Taiwan Limited, Taiwan Insurance Co. Ltd. Fubon Life (L,A,D,M) AIA (L,A,D,M) AIA International Ltd. (L,A,D,M) (L,A,D,M) Insurance (L,A,D,M) (L,A,D,M) Branch (L,A,D,M) (L,A,D,M) Taiwan Branch

Alfastrakhovanie Tajikistan None None None None None None None None (L,A,D)

18 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Sanlam Pan-Africa, Sanlam Life Metropolitan Jubilee, Globus Tanzania None Sanlam Life Insurance None Jubilee (L,A,D) None Insurance (Tanzania) None Tanzania Network (L,A,D,M) (L,A,D) Ltd

Muang Thai Life Bangkok Life AIA Company Allianz Ayudha FWD Thailand Generali Life Assurance Public FWD Life Insurance Tokio Marine Life Assurance/FWD Thailand Limited, Thailand Assurance Pcl. AIA (L,A,D,M) (L,A,M) (L,A,D,M) Company, Ltd. (L,A,D,M) Thailand (L,A,D,M) Group Office Branch (L,A,D,M) (L,A,D,M) (L,A,D,M) Singapore (L,A,D,M)

Timor-Leste None None None None None None None None None

Sanlam Pan-Africa, Saham Assurance Saham Assurance Fidelia Assurances, Saham Assurance SUNU Assurances Togo None Vie Togo/Saham None None Vie Togo/Saham None Globus Network Vie (L,A,D) Vie Togo (L,A,D,M) Assurance Togo Assurance Togo (L,A,M) (L,A,D)

Tonga None None None None None None None None None

Pan-American Life Pan American Life Insurance Company Pan American Life Trinidad Sagicor Life None Insurance Group None None None of the Eastern None Insurance Group and Tobago (L,A,D,M) (L,A,D,M) Caribbean, Ltd. (L,A,D,M) (L,A,D,M)

La Carte (L,A,D,M)/ Maghrebia Vie STAR Assurances Comar, Hayett Tunisia None None None None Comar (L,A,D,M) STAR Assurances (L,A,D,M) (L,D,M) Globus Network (L,A,M)

AXA Hayat ve Allianz Hayat ve Allianz Yaşam ve Anadolu Hayat Groupama Hayat Emeklilik A.S & BUPA Acibadem Emeklilik A.S./ Emeklilik (L,D,A)/ Anadolu Hayat Turkey None (L,A,D)/Anadolu (L,A,D)/Groupama AXA Sigorta A.S None Sigorta (L,A,D,M) Allianz Sigorta A.S. Allianz Sigorta A.Ş. Emeklilik (L,A,D) Sigorta (M) Sigorta (M) (L,A,D,M)/MetLife (L,A,D,M,P) (M) Turkey (L,A,D)

Alfastrakhovanie Turkmenistan None None None None None None None None (L,A,D)

Tuvalu None None None None None None None None None

19 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

PJSIC Ingo Ukraine AXA Ukraine Alfastrakhovanie TAS Life Ukraine None None Life (L,A,D)/PJSIC Uniqa Life (L,A,D,P) (L,A,D,M)/MetLife None None (L,A,D) (L,A,D,M) Ingo Ukraine (M) Ukraine (L,A,D)

United Arab Abu Dhabi National AXA Gulf (L,A,D,M)/ Zurich International Orient Insurance Oman Insurance Union Insurance Dubai Insurance Emirates None Takaful (L,A,D,M) Insurance Company MetLife UAE Life (L,A,D)/Cigna Company (L,A,D,M) Company (L,D,M) Company (L,A,D,M) (UAE) (ADNIC) (L,A,D) (L,A,D,M) (M)

Legal & General BUPA UK (M)/ United MetLife UK (L,A,D)/ Zurich Corporate AIG Life (L,D), Aviva Assurance Society Generali UK Branch AXA PPP (M)/ Canada Life Kingdom None AXA PPP Healthcare Unum (L,D) Risk (L,A,D)/BUPA (L,D,M) Ltd (L,D,P)/Bupa (L,D)/BUPA (M) Canada Life (L,D) Assurance Company (M) (M) (UK) Insurance Ltd. (L,D)

UNUM (L,D)/USA United Zurich US Accident Sun Life Financial Prudential Insurance States of The Hartford Life & Health (A)/Zurich None Tokio Marine HCC (L,A,D)/United Prudential (L,D) Company of America MetLife US (L,A,D) Aetna America Insurance Company American Life Healthcare (L,D) (USA) Insurance Company (L,A,D)

MAPFRE Uruguay MetLife Uruguay Uruguay None None None Mapfre La Uruguaya None None HDI Seguros (L,A,D) (L,A,D) (L,A,D)

Alfastrakhovanie Uzbekistan None None None None None None None None (L,A,D)

Vanuatu None None None None None None None None None

MAPFRE La Seguros Venezuela Venezuela None None None Mercantil Seguros None Atrio Seguros None Seguridad (L,A,D,M)

AIA (Vietnam) Life Bao Viet Insurance AIA (Vietnam) Life Generali Vietnam BaoViet Insurance BaoViet Insurance Vietnam Insurance Company None PVI Insurance AIA (L,A,D) (L,A,D,M) Insurance Co. Ltd. (L,A,D,M) (L,A,D,M) (L,A,D,M) Limited (L,A,D)

Yemen None None None None None None None None None

20 willistowerswatson.com 2020 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country AIA Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions Number of countries and territory 19 120 86 125 68 105 116 77 135 members Phoenix, Globus Sanlam Pan-Africa, Sanlam Life Metropolitan Life Network (A)/ Zambia None Sanlam Life Insurance None Hollard Life (L,A,D) None Insurance Zambia None Zambia Professional Life (L,A,D,M) Ltd (L,M)

Sanlam Pan-Africa, Zimnat Life Zimbabwe None Zimnat Life Assurance None Zimnat (L,A,D) None Assurance Company None None None (L,A,D) Ltd

United Healthcare Allianz Care/ AXA - Global AXA Global Global (L,A,D)/ NEXtCARE/Allianz Healthcare (M)/ Healthcare (M)/AXA Offshore Generali Global BUPA International Zurich Life Insurance Global Assistance AXA Luxembourg Luxembourg, Life Programs None BUPA Global (M) Health for Expats (M)/Global Benefits None Company Ltd International/Allianz (L,D,P)/ International (L,A,D)/ (M)/Utmost Group (L,A,D) (L,A,D)/Cigna (M) (TCN/Expat) Global Investors/ Global Benefits MetLife Worldwide Worldwide Limited PIMCO Group (L,D,A) Benefits (L,A,D,M) (L,A,D)

General notes: 1. Listed companies are locally-admitted insurer members or locally-admitted correspondents of members of the global network. (Not applicable to offshore programs providers.) 2. Poolable lines of business: Life (L), Accident (A), Disability (D), Healthcare (M), Pension (P). (Each may include a related coverage). 3. Networks’ local lines of business’ pooling capabilities are indicated in parentheses; we recommend verifying poolable conditions on a case by case basis as: 3.1. There might be applicable restrictions or conditions, including product design requirements and differences in conditions applicable to new and existent business. 3.2. Poolable percentages may differ from 100% in any given country and from network to network. 4. If no parentheses, the local insurer may provide no or low pooling capability (below 50%). 5. Regulatory changes in a country may impact networks ability to pool business as indicated above. 6. Captive capabilities must be verified separately; however, Insurope and Swiss Life do not provide captive capabilities.

21 willistowerswatson.com Further information For further information, please contact your Willis Towers Watson consultant or:

Americas – Paul McNiff [email protected]

Asia Pacific – Rajesh Daswani [email protected]

Europe – Mark Cook [email protected]

About Willis Towers Watson

Willis Towers Watson (NASDAQ: WLTW) is a leading global advisory, broking and solutions company that helps clients around the world turn risk into a path for growth. With roots dating to 1828, Willis Towers Watson has 45,000 employees serving more than 140 countries and markets. We design and deliver solutions that manage risk, optimize benefits, cultivate talent, and expand the power of capital to protect and strengthen institutions and individuals. Our unique perspective allows us to see the critical intersections between talent, assets and ideas — the dynamic formula that drives business performance. Together, we unlock potential. Learn more at willistowerswatson.com.

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