Helping Haiti —The Industry’S Response I.I.I

The Insurance Industry’s Contribution to Community Impact Development

Also Inside: Helping Haiti —The Industry’s Response I.I.I. Members ACE USA Acuity Aegis Insurance Services Inc. Ordinary People, Allianz of America, Inc. Allied World Assurance Company Allstate Insurance Group Extraordinary Efforts American Agricultural Insurance Co. American Family Insurance eaders of impact know that most of our stories cover how the insurance industry is American Reliable Insurance Amerisafe Insurance Group proactively engaged in a variety of community improvement projects, either in its Argonaut Group own backyard or across continents. This issue highlights the industry’s reaction to Arthur J. Gallagher & Co. R Aspen Re the devastating earthquake that struck Haiti on January 12, 2010. Our feature article summa- Auto Club South Insurance Company Beazley Group plc rizes the efforts of the industry to help those affected by the quake. We have also included Bituminous Insurance Companies Catholic Mutual Group two separate stories — one about State Farm’s team effort to support Haitian relief efforts Catlin U.S. and the other about an individual from Swiss Re, a native of Haiti, who turned a personal Century Surety Company Chartis ordeal into something positive. Chubb Group of Insurance Companies Church Mutual Insurance Company But even in ordinary, disaster-free, day-to-day life, there are still many people in need CNA and numerous efforts spearheaded by the industry to help them. ACE Group’s alliance with COUNTRY Financial CUMIS Insurance Society, Inc. food banks in the Feeding America network to support hunger relief efforts is improving the DeSmet Farm Mutual Insurance Company of South Dakota quality of life for families impacted by the economic downturn. Efforts range from packing Dryden Mutual Insurance Company EMC Insurance Companies food for distribution to needy families to making grants to sustainable agriculture and micro- Employers Insurance Company finance programs. And Nationwide’s longstanding partnership with the American Red Cross Enumclaw Insurance Group Erie Insurance Group on multiple levels and through numerous programs strengthens Red Cross services and its core Farmers Group, Inc. GEICO of volunteers. In addition to its philanthropy, Nationwide works with local chapters to find Gen Re opportunities for company leaders to serve on boards and for volunteers to donate their time. Germania Insurance Grange Insurance Companies Each year, Horace Mann sponsors the Abraham Lincoln Fellowship to provide 50 edu- GuideOne Insurance The Hanover Insurance Group Inc. cators the opportunity to learn more about the life and legacy of our 16th president. The Harbor Point Re The Harford Mutual Insurance Cos. Fellowship covers expenses related to their study of a curriculum created by the presidential Harleysville Insurance library, including round-trip transportation, lodging and most meals. For nearly 90 years, The Hartford Financial Services Group Holyoke Mutual Insurance Company State Auto Group has earned a reputation for giving back to the communities it serves. The The Horace Mann Companies Ironshore Insurance Ltd. company offers employees the opportunity to invest their time in a charitable organization of James River Group, Inc. Liberty Mutual Group their choice through the “Invest a Day” program, where employees are offered one paid day Lloyd’s per year to volunteer with an eligible organization. Nearly 500 days have been invested since Lockton Companies Magna Carta Companies the program was introduced in 2008. And in addition to sponsoring a military home make- Marsh Inc. Max Capital Group over featured on ABC-TV’s “Extreme Home Makeover,” USAA is ensuring a military family’s MetLife Auto & Home financial needs are met by paying off the mortgage and providing money to establish college Michigan Millers Mutual Insurance Co. Millville Mutual Insurance Company savings accounts for the family’s three children. Missouri Employers Mutual Insurance Munich Reinsurance America, Inc. We hope you enjoy these stories and welcome your comments. Nationwide New York Central Mutual Insurance The Norfolk & Dedham Group Ohio Mutual Insurance Group OneBeacon Insurance Group PartnerRe Pennsylvania Lumbermens Mutual Inside: Insurance Company Providence Mutual Fire Insurance Co. Helping Haiti...... 3 Scor U.S. Corporation SECURA Insurance Companies Harrowing Ordeal in Haiti ...... 4 Selective Insurance Group State Auto Insurance Companies Outstanding Team Effort!...... 7 State Compensation Insurance Fund A Military Home Makeover...... 11 of California State Farm Mutual Automobile A Unique Approach to Corporate Citizenship...... 12 Insurance Company The Sullivan Group Insuring Progress by Partnering to Reduce Poverty and Hunger ...... 15 Swiss Reinsurance America Corporation Travelers “Invest a Day”...... 17 Unitrin Property and Casualty Insurance Group Sharing the Life of Lincoln with Educators...... 18 USAA Utica National Insurance Group West Bend Mutual Insurance Company Summer 2010 Vol. 16 No. 1 Impact is published by the Insurance Information Institute, 110 William Street, Westfield Group New York, N.Y. 10038; 212-346-5500. Editor: Diane Portantiere; ©2010 Insurance Information Institute, www.iii.org W. R. Berkley Corporation XL Capital, Ltd. Cover: Nationwide Insurance is dedicated to supporting Red Cross disaster relief efforts across the country. Zurich North America For more, see the story on page 12. Photo courtesy of Nationwide. Helping Haiti

n January 12, 2010 an earth- ACE GROUP providing ongoing emergency relief quake with a magnitude of In response to the appeal for dona- and assistance to Haiti. O7.0 at its epicenter struck 15 tions following the earthquake in miles west of Port-au-Prince, Haiti. Haiti, the ACE Group, through the AETNA FOUNDATION The quake, which the USGS called ACE Charitable Foundation, donated Aetna Inc.’s Aetna Foundation pro- the strongest earthquake since 1770 $250,000 to the American Red Cross vided $10,000 grants to each of six in what is now Haiti, sent 59 after- Haiti Relief Development Fund. In organizations to help fund their shocks ranging in magnitude from addition, more than 700 ACE employ- relief efforts. In addition, Aetna 4.2 to 5.9. The death toll is estimated ees contributed more than $60,000 to employees pledged $25,000, which to be between 250,000 and 300,000 the Red Cross and Red Crescent was matched by the Aetna Foundation with over 3 million people displaced. Societies. These employee donations dollar-for-dollar for an additional As with most disasters, the insurance were matched dollar-for-dollar $25,000. industry stepped up to the plate to aid by the ACE Charitable Foundation. the quake victims. Though not every Combined, the ACE Charitable ALLSTATE story could be chronicled, here is a Foundation and ACE employees The Allstate Foundation made a look at the different efforts undertaken have made more than $370,000 in $50,000 donation to the American by those in the industry. donations, which have been vital in Red Cross to assist with humanitar-

3 Harrowing Ordeal in Haiti Ends in Joyful Family Reunion and Reinvigorated Charitable Foundation

zechiel Dominique, who in-law had died in the earthquake, Dominican Republic and then made leads IT Testing Services at crushed by the rubble of a fallen an 11-hour drive to Port-au-Prince, ESwiss Re, can be described house. Naturally, his family was dis- encountering both rocky terrain and in many ways: talented technology traught. bribe-seeking border patrol officials professional, hard-working colleague, That’s when Dominique’s life along the way. When he arrived, devoted family man. Many people took a turn he could hardly have he found both his ailing mother-in- — including his grateful mother- envisioned, in the form of a return law and countless others in need, in-law — would add “selfless hero” phone call from the same family including a cousin he also presumed to those descriptions. Certainly, he friend hours later with the miracu- had died in the catastrophe. has proven adept at generating a lous news that his mother-in-law Dominique’s mother-in-law was tremendous amount of good out of a had been found alive amid the dehydrated and had lost half her horrible situation. rubble. Apparently, she had been on body weight; his immediate goal Dominique, who works in the the top floor of the house and, as a was to transport her back to the company’s office in Armonk, New result, was spared a horrible fate. United States. But, he couldn’t shake York, is a native Haitian whose However, she was injured badly. loose the images of Haiti — lifeless family immigrated to the United She had numerous broken bones bodies in the streets, rubble where States when he was 16 to escape the and suffered the ill effects of hav- there had once been buildings, and oppressive regime of Haiti’s ruth- ing been trapped in debris for more injured people with nowhere to turn less former ruler, Jean-Claude “Baby than 24 hours. for help. Doc” Duvalier. He was devastated Despite protests from his fam- Once Dominique and his when he learned of the horrendous ily, including his wife, Dominique mother-in-law returned home the earthquake that rocked Haiti on — who is also trained as a registered following day for a tearful, joyful January 12. nurse — decided he would travel to family reunion, the events inspired The news hit his family especial- Haiti to treat and rescue his mother- him to retool a nonprofit organiza- ly hard because his mother-in-law, in-law. There was a complication, tion he started several years ago, the a United States resident, was visit- however: airlines in the United Help Educate a Child Foundation ing Haiti at the time. Despite their States were non-committal regard- (HEACF). According to Dominique, tireless efforts, Dominique and his ing when they would resume flights HEACF is dedicated to improving wife’s fear grew as they could not to Haiti. That night, 72 hours after the lives of children in Haiti by make contact with her. Soon after, a the earthquake and armed only with helping with medical and dental former neighbor from Haiti called to $5,000 in cash and the clothes on care, education assistance, new inform Dominique that his mother- his back, Dominique flew to the clothing and shoes, financial sup-

ian relief efforts. Additionally, the AMERICAN FAMILY campaign include: 560 individual Foundation matched every dollar American Family Insurance, its donations totaling more than $70,000, that employees contributed up to an employees and agents contributed all of which was matched by the com- additional $50,000, for a total commit- more than $150,000 to Haiti earth- pany. These donations went to 67 ment of $100,000. quake recovery efforts. Results of the designated relief organizations and the

4 port and much more. earthquake to the Haitian chapter of CHUBB GROUP “I still have a lot of family and Partners in Health. The U.S.-based OF INSURANCE friends in Haiti and knew I needed non-profit organization is focused on COMPANIES to do something,” said Dominique. providing high-quality health care to The Chubb Corporation established “Because I’m an individual, I’m impoverished areas around the world. a $500,000 fund for disaster relief able to help people in a more “This was a team effort from employ- efforts related to the earthquake in direct way than large organizations ees and agents across the country who Haiti. Chubb contributed $125,000 such as the Red Cross. This has showed an outpouring of care and to Doctors Without Borders and become a very active cause for me compassion,” said Rick Fetherston, $125,000 to Share Our Strength in a matter of weeks. I’ve spoken vice president of public relations. “It’s for relief efforts connected to the at several churches and am doing a proud moment for all of us.” catastrophe. In addition, the insurer what I can to get the word out.” matched employee contributions to Dominique is especially AON qualified relief organizations on a touched by the support of his Swiss Aon joined with the Red Cross to two-for-one basis, up to $250,000. Re colleagues. support international relief efforts If total employee donations exceed “I’ve already received dona- aimed at easing the suffering of survi- $125,000, Chubb will continue to tions from many of my Swiss Re vors. Aon donated $100,000 directly match those employee dollars on a coworkers, which was entirely to the Red Cross Haiti Relief and dollar-for-dollar basis. unexpected and completely appre- Development Fund to provide imme- ciated,” he said. “My colleagues diate relief and long-term support CIGNA and supervisors are also providing to those in need through personnel, The CIGNA Foundation, part of wonderful emotional support, and financial assistance and relief sup- Philadelphia-based CIGNA Corp., my immediate boss gave me the plies. Every dollar will go directly to donated $50,000 to the American Red opportunity to go to Haiti when I the relief effort. Aon also set aside up Cross and said it would match anoth- needed to go there.” to $300,000 in additional funds to er $50,000 in employee donations. More information on HEACF match colleague contributions to the can be found at http://www. relief effort. CPCU heacf.org. SOCIETY CHARTIS CPCU Society established a special New York-based Chartis, Inc., fund to aid victims and matched American International Group, Inc.’s donations up to $25,000. The property/casualty unit, matched CPCU Society Haiti Emergency Relief employee donations, with contribu- Fund will contribute to the Clinton tions going to the American Red Bush Haiti Fund. “The Society’s Cross, the International Red Cross members hold a vast array of posi- and the International Red Crescent. tions in the property and casualty Chartis’ senior management personal- insurance industry, including as ly committed a minimum of $50,000 agents, brokers, underwriters, risk to kick off the drive. Chartis also held managers, adjusters, accountants and an employee fundraising drive to attorneys,” explained Society Chief Photo of Ezechiel Dominique courtesy of Swiss Re. benefit these three organizations. In Executive Officer James R. Marks. addition, Travel Guard, a travel insur- His membership, he said, is “keenly top three recipients were American ance unit of Chartis located in Stevens sensitive to tragic events and deeply Red Cross, Partners in Health and Point, Wisconsin, extended help to sympathetic with the suffering of the Salvation Army. The $150,000 total any American traveler, regardless of Haitian people. The establishment of also includes the $10,000 American whether they carried Travel Guard the CPCU Society Haiti Emergency Family pledged shortly after the insurance. Relief Fund, as it is called, is a vehi-

5 cle for them to express their great FARMERS INSURANCE edented event,” said Michael Browne, concern about the Haitians’ plight.” GROUP president and chief executive officer Los Angeles-based Farmers Insurance of Harleysville Insurance. “As our CRAWFORD & CO. Group contributed $25,000 to the employees have shown many times Atlanta-based claims services American Red Cross. in the past and here again, they are provider Crawford & Co. contrib- indeed ‘good people to know’ for the uted $10,000 to Doctors Without FIREMAN’S FUND way they have supported these impor- Borders/Medecins Sans Frontieres, an Fireman’s Fund and its employees tant relief efforts.” international medical humanitarian donated $67,816 to the American Red organization, to aid the group’s medi- Cross for Haiti relief efforts. INDEPENDENT cal relief efforts in Haiti. INSURANCE AGENTS HARLEYSVILLE & BROKERS ERIE INSURANCE The Independent Insurance Agents & INSURANCE Joining companies around the Brokers of America donated $5,000 Since 2000, Erie Insurance has part- globe, Harleysville Insurance and its to the American Red Cross from its nered with the Erie Chapter American employees have combined to donate Trusted Choice Disaster Relief Fund. Red Cross through the “Serving $52,428 toward the ongoing efforts Together” program. The company, to assist those impacted by the earth- INSURANCE INDUSTRY its employees, and agents teamed quake that struck Haiti in January. CHARITABLE up again for International relief for Corporately, Harleysville pledged FOUNDATION (IICF) the Haiti disaster. “Our employees $10,000 to the relief efforts and the The Insurance Industry Charitable began asking how they could help company also matched every dollar Foundation (IICF) awarded grants to immediately after hearing of the employees donated to charitable orga- two organizations that are providing Haiti disaster,” said Terry Cavanaugh, nizations that benefit the situation relief in Haiti. The International Rescue president & CEO, Erie Insurance. in Haiti. Employees made individual Committee (IRC), with 75 years of “Our company and Board of Directors donations totaling more than $13,000 expertise in emergency response, sent quickly made the decision to offer to a variety of non-profit organizations a team of experts to Haiti to provide a matching gift for employees and and contributed more than $7,000 relief to the devastated country. World agents up to $100,000 and make a through employee fundraisers, one of Cares Center, an organization that corporate donation to the Haiti Relief which gave them the opportunity to supports local community members as Fund.” Donations will support the wear jeans to work during a week in resilient first responders, is partnering American Red Cross International January in exchange for a $10 dona- with other groups to provide assis- Response Fund Haiti Relief, which tion. The bottom-line result is that tance to Haiti community groups and provides supplies, mobilizes relief the company matched a total of more also support to those in this country workers and provides financial than $20,000, in addition to making with family and friends in Haiti. Both resources. Serving Together, the its $10,000 donation. The total will be organizations are seeking additional Erie Insurance American Red Cross split evenly between the American Red contributions for these disaster pro- Volunteer Network, is a companywide Cross, AmeriCares, UNICEF and the grams. “As an industry foundation, we initiative that matches Erie Insurance United Way Worldwide Disaster Fund. can marshal our resources and make a volunteers with American Red Cross “The sheer intensity of this natural difference through outstanding organi- chapters across its marketing territo- catastrophe has given rise to a united zations like the IRC and World Cares ries. It provides an opportunity for effort within the global community Center. IICF is encouraging our mem- Erie Insurance employees and agents to reach out and help those who have ber companies to give as generously as to partner with American Red Cross suffered loss. As an organization, it they can to IRC, World Cares Center, chapters to help people in times of is important that Harleysville does or to other reputable relief organiza- need and assist in disaster prepared- its part to support those whose lives tions,” said Elizabeth Myatt, New York ness education. have been disrupted by this unprec- executive director of the IICF.

6 Outstanding Team Effort!

tate Farm employees and agents participated in Employee Resource Group (ERG) in the Ballston Spa Haitian relief efforts in several areas around the Operations Center (Northeast Zone) collected $937 in SUnited States and Canada. employee donations for the ARC and 1,500 pounds of State Farm agents Enette Henderson and Michele clothing for earthquake victims in Haiti. Belizaire rallied other South Florida agents to get New agent Michelle Benson, Chesapeake, Virginia, involved with Haiti Relief. The effort also involved decided to hold a fundraiser for quake victims dur- employees and employee resource groups. Everyone ing her grand opening. “We wanted to demonstrate teamed up across Florida to help. the importance of being a good neighbor here and Within a month and a half, the State Farm Florida abroad,” she said. “We raised $1,500 for Haiti relief.” Zone had collected about 35 truckloads of medical sup- In Canada, agents Michael and Gordon Tessier, plies, clothing and food for people in Haiti. The Zone Grimsby and St. Catharines, Ontario, respectively, worked with more than 10 non-profit organizations embarked on their own personal relief mission to Haiti to sort, pack and load supplies. Agents also worked to help the devastated quake victims. The brothers with other businesses in the relief effort. Employees flew their own private plane laden with medical and agents around the state made donations to the supplies donated by friends, family and a local doctor American Red Cross (ARC). Agent Chris Bogue, West and pharmacist. Palm Beach, went to Haiti for a week to help build State Farm as a company has long been a corporate hospital tents. Agent Larry Lee Jr. of Fort Pierce worked sponsor of the ARC, and makes an annual donation with a policyholder and a local bank to set up a of $1 million at the beginning of each year to the Treasure Coast Haiti Relief Fund that raised more than American Red Cross’ Disaster Relief Fund so that the $30,000 for the ARC. organization can immediately respond to pressing Up the coast, the African American Forum needs when they arise.

From L to R: Michelle Benson, State Farm agent, and her staff, Renita Boone, Kameron Anderson, Pam Sangaran, and Terri Brown, present a check to Fred Rose of the American Red Cross.

Photo courtesy of State Farm.

7 INSUREMYTRIP.COM LOCKTON be matched by the company, subject InsureMyTrip.com and travel INSURANCE BROKERS to an overall company contribution medical provider HCC Medical Lockton Associates have donated maximum. Donations to the follow- Insurance Services L.L.C. launched more than $16,000 through a Lockton ing organizations are eligible for the a special initiative providing a 20 San Francisco client, World Vision company match: American Red Cross, percent discount on medical and evac- International, as well as other relief AmeriCares, UNICEF and Clinton Bush uation coverage for U.S. travelers that organizations. The Kansas City office Haiti Fund. headed to Haiti to aid in relief efforts. raised an additional $55,000 for Global Orphan Project’s Haiti Relief fund, NATIONWIDE LIBERTY making the total raised more than The Nationwide Insurance Foundation MUTUAL GROUP $71,000. announced an initial donation of Liberty Mutual Group’s total contri- $150,000 to the Red Cross Haiti bution to Haitian relief efforts stands MARSH (MMC) Disaster Relief Fund. Additionally, the at just over $813,000. This includes MMC committed $25,000 to the Foundation matched donations from about $534,000 (initial company International Response Fund of the Nationwide employees to the United contribution of $250,000 and a American Red Cross to help with relief Way Worldwide Disaster Fund— match on employee contributions and recovery efforts. which is aiding the rebuilding process of more than $284,000) that Liberty in Haiti. To date the Nationwide Mutual Group contributed to the MUNICH RE Insurance Foundation has matched American Red Cross and more Munich Re joined in the worldwide more than $71,000 in donations from than $278,000 that employees con- effort to aid victims of the devastating its employees for a total donation tributed to Haitian relief efforts of earthquake in Haiti. The MRAm relief of $142,956.48 to the United Way their choice. plan allows financial donations to Worldwide Disaster Fund. “It’s impos-

8 sible to see the devastation in Haiti to recognize the generosity of our efforts demonstrated by these five and not want to act,” said Nationwide agents and employees by raising the organizations. We are pleased to be CEO Steve Rasmussen. “We hope our match limit to $300,000.” Coupled in a position to assist them and Haiti gift, along with those of others across with its previous gift of $100,000, during this most challenging recovery the country, will help the American New York Life and its employees and effort.” Red Cross bring the much needed agents are now poised to contribute relief to the people of Haiti.” The Red up to $700,000 toward food, water, PHILADELPHIA Cross Disaster Relief Fund will support medical supplies and shelter for the INSURANCE COMPANIES long-term recovery efforts to rebuild millions affected by the earthquake. Philadelphia Insurance Companies lives and infrastructure devastated by In addition to the Red Cross, the presented the American Red Cross the disaster and address educational, company has identified seven other with a $50,000 donation, teaming up financial and health-related challenges groups that are playing a major role with local Philadelphia television sta- faced by the Haitian people. “We’re in the relief effort: AmeriCares, CARE, tion CBS for “Operation Brotherly very pleased that the Nationwide Heart to Heart International, Save the Love Help for Haiti.” Insurance Foundation is able to sup- Children, United Nations World Food port associates who choose to help Program, UNICEF and United Way RISK AND INSURANCE Haiti through the United Way by Worldwide Disaster Fund. Employees MANAGEMENT SOCIETY matching their contribution dollar-for- and agents can designate any The Risk and Insurance Management dollar,” said Chad Jester, president of organization or combination of orga- Society made a $10,000 donation to the Nationwide Insurance Foundation. nizations to receive funds, and the the Red Cross. “Together we can make a greater company will match the contribution impact on the lives of those impacted dollar-for-dollar. SELECTIVE by the earthquakes.” INSURANCE GROUP ONEBEACON The Selective Group Foundation NEW YORK LIFE The OneBeacon Charitable Trust announced a $10,000 contribution to New York Life Insurance Company announced a donation of $48,000 allo- help aid earthquake relief efforts in increased its donation to Haiti cated to five nonprofit organizations Haiti. “The devastating earthquake in earthquake relief efforts by rais- assisting in the ongoing humanitarian Haiti has affected millions of people ing the company match amount to relief efforts— the American Red Cross, and caused widespread destruction to $300,000. The company’s promise to Doctors Without Borders, Habitat for homes, hospitals, schools, govern- match all agent and employee dona- Humanity, Partners in Health and ment buildings and roads. The loss of tions is double its earlier amount UNICEF. The contribution consists of a life is unfathomable,” said Chairman, of $150,000 for a potential contri- $5,000 donation to each organization President and Chief Executive Officer bution of $700,000. That amount as well as a dollar-for-dollar match of Greg Murphy. “While the situation is includes a corporate contribution of the $23,000 donated by OneBeacon heartbreaking, there is tremendous $100,000 to the American Red Cross employees, its Hagerty Insurance part- hope in the positive outpouring of in the immediate aftermath of the ners and White Mountains Insurance caring and assistance from individuals earthquake. Ted Mathas, chairman, Group staff. In total, the OneBeacon and organizations across the world.” president and chief executive officer community will donate $71,000, with of New York Life, said, “Our agents almost $30,000 going to the American SWISS RE and employees have always shown Red Cross. Carmen Duarte, a mem- Swiss Re pledged 250,000 Swiss francs extraordinary compassion when ber of the OneBeacon Charitable (approximately $240,000) to support disaster strikes and they’ve already Trust Committee said, “Addressing the rebuilding efforts in Haiti. Further exceeded the $150,000 initial com- the devastating loss and continued donations by employees globally to pany match amount. As the urgent suffering in Haiti is clearly a global their charitable organization of choice need for relief continues for earth- collaboration. The OneBeacon com- will be matched by the company up quake victims in Haiti, we wanted munity deeply admires the relentless to an additional 250,000 Swiss francs.

9 The funds will go to projects that are $500 to the Haitian earthquake relief Cross. For every $5 donation made by sustainable, supporting those that have efforts through the American Red Cross, a Zenith employee, the company will suffered the most, and will be chan- Doctors Without Borders, International donate $10. As a result of their offer, neled through recognized charitable Rescue Committee, Save the Children, approximately 64 percent of Zenith organizations participating to the Haiti UNICEF or the Clinton Bush Haiti Fund, employees elected to make charitable relief and reconstruction effort. Chief and have their contributions matched. donations to the effort. A check for Operating Officer Agostino Galvagni $25,000 representing donations from said, “The tragic events in Haiti are a UNITEDHEALTH employees and the company was given sobering reminder of the devastating GROUP INC. to the Red Cross. force of natural catastrophes and the toll UnitedHealth Group Inc. of Minne- they can exact on humanity. Swiss Re tonka, Minnesota, donated $100,000 to ZURICH FINANCIAL and its employees regard it as a respon- the American Red Cross and said it will SERVICES GROUP sibility to contribute in this way to the match up to $50,000 in employee con- Zurich Financial Services Group said healing and reconstruction process.” tributions to charitable partner Global its Z Zurich Foundation would Impact. In addition, OptumHealth, match up to Swiss Franc 250,000 TRAVELERS which is UnitedHealth’s health and (approximately $240,000) in chari- In response to the devastation caused wellness operation, made available a table contributions made by Zurich by the earthquake in Haiti, the free emotional support help line for employees to recognized charitable Travelers Foundation sent $50,000 to those with relatives or friends in Haiti. organizations. Zurich CEO Martin Senn the American Red Cross to assist relief said, “A catastrophe of this dimen- efforts. The Travelers Foundation also ZENITH INSURANCE sion requires broad relief actions. It created a special disaster relief matching Zenith offered employees an opportu- is important to me and to Zurich’s program so that Travelers employees nity to contribute to the relief effort in employees that we can help to bring could contribute between $25 and Haiti through a $5 donation to the Red some relief to the affected people.” n

10 A Military Home Makeover

his season on ABC’s Extreme Staff Sergeant Sherman Heathcock of mid-April, the need to finish fixing the Makeover: Home Edition, it’s all Hattiesburg, Mississippi, was trying to sagging roof and unfinished floors was T about heroes. The hit show make the home he shares with his wife gone thanks to Extreme Makeover: Home features a different hero every Sunday and three children livable again. That Edition. evening. When USAA was given the is, until his unit at nearby Camp Shelby The nation watched Sunday, opportunity to participate in the life- deployed to Iraq for the second time. March 21, to see the Heathcocks’ new changing experience of a special military Damaged in 2006 when winds home and the other surprises in store family, the company proudly accepted. from Hurricane Katrina brought for them, courtesy of USAA. Between serving on the Sheriff down three trees on their roof, the Over seven days in mid-December, Department’s SWAT team, coach- Heathcocks, while still serving their local builders, volunteers and the ing local baseball and softball games, community, have been quietly labor- show’s designers, led by series host Ty or working a second job as a secu- ing to make their house a home. But Pennington, demolished the house the rity guard, Army National Guard when Heathcock’s unit returned in Continued on page 20

J.J. Montanaro, a Certified Financial PlannerTM practitioner for USAA and a retired Army Lieutenant Colonel,

talks with the Heathcock family after they receive their new home. Photo courtesy of USAA.

11 A Unique Approach to Corporate Citizenship

anic and desperation washed Citizenship strives to build relation- said Lowe. “To see someone go from over Ariana Lowe when she ships with local Red Cross chapters crying to hugging you, smiling and Pcame home to find her house in cities where Nationwide associates laughing, it takes my breath away.” was on fire. live and work, while also making “The American Red Cross is “It was probably the worst day significant grant contributions at the a natural partner for Nationwide of my entire life,” said Lowe. “But I national level. Insurance,” said Chad Jester, vice pres- had people who were there for me, Lowe provides 24-hour emergency ident of Corporate Citizenship and and that’s the reason why I’ve always response for families that experience president of the Nationwide Insurance wanted to give back.” disasters, such as house fires, to ensure Foundation. “This is an organization Lowe, an associate of Nationwide they have basic needs like shelter, that does an outstanding job of being Insurance, gives back in a big way. clothing and food. there when people need them most, She’s a Disaster Action Team Leader “It’s a passion of mine to be able whether that’s following a natural for the American Red Cross. Her vol- to help someone in that desperate of a disaster or in an emergency medical unteerism illustrates one element of situation, especially since I know what situation. Nationwide Insurance exists the unique partnership Nationwide they’re going has with the Red Cross. The through,” Nationwide Office of Corporate Photos courtesy of Nationwide.

12 to be there for our customers when disaster strikes and commonly our claims teams are working with customers at the same time the Red Cross is providing humanitarian assistance.” This year the Nationwide Insurance Foundation is making a $1.54 million gift to the Red Cross to fund national disaster response, bloodmobiles and chapter response and readiness. It’s the fourth consecu- tive year the Nationwide Insurance Foundation has contributed this unique grant to support both national and local programs. On a national level, Nationwide is renewing its commitment to the Annual Disaster Giving Program (ADGP) with $700,000. Nationwide was a founding member of the ADGP in 1997. Members of the ADGP pledge donations on an ongoing basis, which enables the Red Cross to raise funds before major disasters strike in order to have proper

Nationwide associate Ariana Lowe provides 24-hour emergency response for families that experience disasters as a Red Cross volunteer.

supplies and systems readily available. chapters. Collectively, these chap- At the local level, $320,000 of ters responded to 6,305 disasters and Nationwide’s gift will be distributed helped 9,785 families after those to 17 local chapters for disaster relief events. programs. During the 2008-09 grant Nationwide also understands the cycle, Nationwide supported 14 local importance of having a sufficient blood

13 supply for patients across the United While Nationwide may lead its Nationwide works with local chap- States who experience emergencies or partnership with the Red Cross through ters to find opportunities for company receive transfusions as part of their philanthropy, it gives back just as much leaders to serve on boards and for treatment for medical conditions. in time and talent. The Red Cross relies volunteers to donate their time. When $520,000 of Nationwide’s gift will buy on Nationwide’s leaders who serve on disasters hit, Nationwide integrates its two bloodmobiles that will be located local chapter boards. They provide per- On Your Side service through the part- in Nashville, Tennessee and Charlotte, spective and counsel on topics including nerships that have been developed. North Carolina to help the Red Cross disaster response, chapter community “I think in quality organizations increase blood donations. The Nation- presence, workplace-based health and like Nationwide, associates understand wide Insurance Foundation has funded safety, funding initiatives and overall the importance of having the opportu- four other bloodmobiles since 2007, corporate strategies. nity to give back to our communities,” located in Columbus, Ohio; Raleigh, Kirt Walker, president and COO said Walker. “The value that we live North Carolina and Atlanta, Georgia. of Nationwide Financial, has served by here is that we work as one team. Nationwide associates and par- on the board of the Red Cross in every Every time I volunteer for the Red ticipants at Nationwide’s blood drives city he’s ever lived in. He gives his Cross I bump into a Nationwider.” donated nearly 12,000 units of blood time to the Red Cross because of the In addition to its annual sup- in 2009. A majority of blood is col- support the organization brought to port of the Red Cross, the Nationwide lected at Nationwide’s very own Red his hometown of Algona, Iowa, after a Insurance Foundation recently donated Cross blood donation center located at tornado destroyed a large part of it on $100,000 to help people affected by its Columbus, Ohio headquarters. June 28, 1979. the floods in Tennessee, as well as “Nationwide’s support is extremely “While we were cleaning up the $150,000 for Haiti earthquake relief valuable to the Red Cross and its part- aftermath, volunteers with the Red and recovery earlier this year. nership structure has proven to be Cross came to help us and I was sur- “Saving, rebuilding and enriching a very successful model,” said Neal prised that they expected nothing in lives is what Nationwide’s Corporate Litvack, Chief Development Officer at return,” recalled Walker. “I remember Citizenship is all about,” said Jester. the American Red Cross. “Nationwide’s asking them how they paid for the “Every day, we turn critical moments engagement on multiple levels and support they gave us, and I learned into powerful possibilities in places through numerous programs strength- that our values and mission statements where our associates live and work. ens Red Cross services and our core of align. I’ve been involved in helping It’s another way we are helping people volunteers.” the Red Cross ever since.” when it matters most.” n

A Nationwide associate gives blood at Nationwide’s own Red Cross blood donation center at company headquarters in Columbus, Ohio.

14 Insuring Progress by Partnering to Reduce Poverty and Hunger

he economic climate that has announced that the ACE Charitable food banks in a recessionary economy. seen the loss of millions of jobs Foundation made a total of $200,000 ACE’s funds supported Feeding Tand homes has given ACE the in grants to five food organizations in America partners in Atlanta, impetus to reach out to those com- the Feeding America network. Feeding Chicago, Philadelphia and New York: munities, locally and regionally where America is the nation’s leading domes- Atlanta Community Food Bank, ACE employees live and work — to tic hunger-relief charity, and ACE’s Greater Chicago Food Depository, find ways of reducing and, eventually, grants supported an economic crisis Philabundance, City Harvest and Food ending chronic poverty and hunger. funding initiative designed to help Bank for New York City, each of which In December 2009, the ACE Group offset the hardships faced by American supports hundreds of smaller organiza-

ACE employees in its Chatsworth claims office packed food for distribution to needy families at

Ventura County’s ACE. of courtesy Photo Food Share in Oxnard, California.

tions and food programs. day, statewide event, where teams of Food Program supported a 2009-10 According to Brian Dowd, ACE’s insurance industry employees volun- Food for Work initiative in Indonesia’s Chief Executive Officer, Insurance- teer three or more hours of service Central Lombok District, aiming to North America, “ACE is pleased to with local charities. In San Francisco, conserve and restore the local com- partner with food banks in the Feeding ACE Group employees helped pack- munity’s natural resources, as well as America network to support hunger age donated food at the San Francisco reduce the impact of climate change relief efforts in key cities. By helping Food Bank for distribution to needy on local farms. More than 2,200 to expand the availability and quality families. In San Diego, ACE packed families benefited from immediate and of their food supply, the quality food for distribution to families at the long-term investments, such as cashew of life for families impacted by the St. Vincent De Paul Village. And in Los planting, agro forestry and nutrition economic downturn is improved. We Angeles, ACE employees packed food training and local water conservation intend to make a significant contribu- for distribution to needy families at and irrigation projects. tion in the cities where ACE maintains the Los Angeles Regional Food Bank. In September 2009, the ACE offices.” Employees from ACE’s Chatsworth Foundation-Bermuda joined forces Feeding America’s network mem- claims office also volunteered at with the Coalition for the Protection bers supply food to more than 37 Ventura County’s Food Share in of Children (CPC) through a three- million Americans each year, includ- Oxnard. year, $225,000 grant to support the ing 14 million children and 3 million ACE Group’s employees in Dallas “Breakfast in the Schools” program seniors. Serving the entire United raised funds to purchase rice pots and in four Bermuda schools where it is States, more than 200 member food bags of rice, which they delivered to the available to children free of charge. banks support 61,000 agencies that International Rescue Committee (IRC) A survey of Bermuda’s eighteen pub- address hunger in all its forms. to support refugee families. Employees lic primary schools and five middle “As a direct result of the current also joined forces with the IRC to schools had shown that hunger was economic climate,” observed Vicki provide volunteer business training, an impediment to learning, and sev- Escarra, President and Chief Executive including resume reviews, interview eral schools were in immediate need Officer of Feeding America, “more than skills and business etiquette practices. of assistance for their hunger relief 49 million Americans — including 17 Outside the U.S., the ACE efforts. This partnership has so far been million children — don’t have enough Charitable Foundation has made very successful, and the Coalition is food to go around at mealtime. We’re grants to sustainable agriculture and looking to expand the program into grateful that ACE has invested in an microfinance programs. For example, other schools. expansion of the availability of hunger a three-year, $600,000 grant to CARE, ACE takes a comprehensive, relief and food distribution services in one of the world’s largest humani- hands-on approach to identifying five American food banks.” tarian aid agencies, focuses on the and supporting programs that ease In other regions, ACE has con- Sustainable Andean Agriculture pro- hunger and poverty in the United tinued its support of hunger relief gram in Peru. This program reaches States and beyond. By partnering with efforts through grants to the Insurance 4,000 people in Peru’s Ayacucho region organizations that foster sustainable Industry Charitable Foundation (IICF). and offers an innovative response to humanitarian solutions, ACE seeks to The IICF is a non-profit that helps the global food crisis by training local increase the impact of its philanthropic communities by combining the collec- farmers to increase the production and activity, to ensure that individuals tive strength of the insurance industry quality of native foods. The results are and communities can succeed and in order to provide grants, volunteer sustainable, improved crop production grow. Through its commitment to service and leadership. and reduced environmental degrada- making positive contributions to local In 2009, ACE Group employees tion, driving improved nutrition and communities, ACE believes that this in California joined forces to reduce higher incomes that will enable farm- investment will return long-lasting and hunger through their participation in ers to better provide for their families’ sustainable benefits to society. This is a variety of volunteer projects offered basic needs. ACE insuring progress — in its truest through IICF Volunteer Week, a nine- A $230,000 grant to the World sense. n

16 “Invest a Day”

hroughout its nearly 90-year of her colleagues at The Caring Place, history, the Columbus, Ohio- a charity that serves many of the city’s Tbased State Auto Group has most at-risk neighborhoods. earned a reputation for giving back to “I take so much for granted. Days the communities it serves. From State like this one bring a new perspective,” Auto’s founder handing out eggs from said Stoll. “It isn’t about a day off of the front steps of the company’s corpo- work with pay. It’s about making a dif- rate headquarters during the Great ference.” Depression, to the hundreds of thousands A group of State Auto employ- of dollars employees raise and contribute ees in Columbus serves meals at the each year to various local charities, Manna Café at Broad Street United State Auto employees, led by Terresa State Auto has always encouraged its Methodist Church, across the street Stoll, volunteer at The Caring Place in employees to donate to worthy causes.

downtown Indianapolis. From left, Auto. State of courtesy Photos Employees, though, expressed an interest in doing even more. While Linda Wingfield, Amy Gibson, Geri Loud, many employees are active volun- Terresa Stoll, Lori Pierce and Cindy teers on their own time, the company Grider. wished to extend even greater support to their efforts. In 2008, State Auto began to offer ing more than a photo and brief report employees the opportunity to invest about the activity in which they par- their time in a charitable organization ticipate, employees are offered one of their choice through the “Invest a paid day per year to volunteer with an Day” program. In exchange for noth- eligible organization. A group of State Auto employees pre- “It’s one thing to write a check; it’s something else entirely to spend time pared and served meals to recovering with an organization and the people it drug and alcohol dependent women and serves,” said Win Logan, State Auto’s their children. From left, Cafe Zydeco director of community relations. “We owner Mozell Devereaux and State Auto were looking for a better way to utilize employees Linda Still, Carolyn Polston our greatest resource — our people — in and Michelle Vance. ways that make a difference in our communities and in ways that represent to the public and to each other that we’re from State Auto’s headquarters. They a company apart when it comes to giv- not only offer time, but raise $300 to ing back and giving forward.” support each of the meals they serve. State Auto employee Michael Hurd, in Nearly 500 days have been invest- “It’s a great opportunity to an apron at upper right, organizes ed since the program was introduced help feed our hungry neighbors,” groups of employees to serve at the in 2008, with volunteer efforts ranging said employee Michael Hurd, who Manna Café, a community meal served from building homes to sewing and organizes the activity for State Auto weekly at Broad Street United delivering cancer turbans. employees. “We appreciate that State Methodist Church. Terresa Stoll, an employee in State Auto offers the opportunity to help Auto’s Indianapolis office, joined four Continued on page 20

17 Sharing the Life of Lincoln with Educators

pringfield, Illinois won’t make Discussion groups are held in the the short list of ideal summer Abraham Lincoln Presidential Library. Svacation spots for most people. But for the past five years, the Horace Mann Companies has been partnering The Lincoln Fellowship is open to with the Abraham Lincoln Presidential any full-time teacher of kindergarten Library and Museum (ALPLM) to through the 12th grade of any disci- change that perception in the minds of pline. The curriculum is geared toward our nation’s educators. teachers of students in grades 4-12. No Each year, Horace Mann sponsors special knowledge of history or Lincoln the Abraham Lincoln Fellowship to is required. provide 50 educators the opportunity of the Lincoln Presidential Library and Winning Fellows receive insiders’ to learn more about the life and legacy Museum with the country’s education knowledge of the library and museum of our 16th president and Springfield’s community is an exciting way to do it.” and enjoy visits to other historical sites, most famous resident. The Fellowship “The Lincoln Presidential Library including the Lincoln Home National covers expenses related to their study and Museum was built to bring history Historic Site, Lincoln’s New Salem State of a curriculum created by the presi- to life,” added Dick Madden, Horace Historic Site, the Lincoln Tomb and dential library, including round-trip Mann’s vice president of communica- the Old State Capitol State Historic transportation, lodging and most tions and educator alliances. “As part Site. Fellows also hear from experts on meals. The 2010 class of Fellows will of our continuing commitment to Lincoln’s life and the Civil War era. attend one of two five-day programs educators, and to helping them make Past topics have included Lincoln the held June 20-26 and July 11-17. learning lively for their students, it was lawyer, political cartoons in the class- The collaboration makes a lot natural to partner with our neighbor.” room, Civil War medical practices and of sense for a company that’s been Photos courtesy of Horace Mann Companies. Mann Horace of courtesy Photos serving the insurance and financial services needs of America’s educators for 65 years. “Horace Mann’s spon- sorship is an extension of our strong commitment to supporting our educator market beyond the products and services we provide,” said Lou Lower, Horace Mann’s President and CEO. “Sharing the extraordinary resources

A visit to the museum is one part of the week-long training program provided by the Horace Mann-ALPLM Fellowship Program.

18 Tours of the Lincoln sites are part of the Horace Mann-Abraham Lincoln Presidential Library and Museum Fellowship experience.

“Ghosts of the Library.” the value they place on the contribu- collection as a member of the 2008 Many past Fellows have shared tions of teachers in the classroom.” class. “You get pieces of information with Horace Mann their appreciation Naturally, many past Fellows strong- that not everyone has,” explained for this rare opportunity to experi- ly admire Lincoln, and several have even Diesinger. “Primary documents are the ence Lincoln’s life and take their own made learning about our 16th president voices of history. Documents are the lessons back to their students. “You a lifelong hobby. Even the “Lincoln autobiographical material of the story give teachers five cents, and they love experts” among past Fellows have of America. These were probably the it,” said Diana Dionne-Morang, an found the curriculum eye-opening. finest sources I’ve seen.” English and language arts teacher at Dennis Morris, a 2009 Fellow and Of the entire experience, Diesinger Gardiner (Maine) Regional Middle fourth grade teacher at the New Creek added, “The library and museum are School and member of the 2009 class Primary School in Romney, West just outstanding. You can actually feel of Fellows. “We just don’t get a whole Virginia, has been a self-described ama- Lincoln’s presence in Springfield.” lot of resources, and to be treated like teur Lincoln presenter for two decades. With the success of the Horace a celebrity is an amazing feeling. It will “I thought if I won this trip, I could Mann-Lincoln Fellowship program help motivate me for a long time.” really come up with some more mate- firmly established, more Horace Mann Joanne Fuchs, a 2008 Fellow and rial that I didn’t have,” said Morris. “I agents are promoting the Fellowship seventh grade social studies teacher might have learned as much in one opportunity in the schools they serve at Pleasant Lea Middle School in Lee’s week as I have in the last 20 years.” through fliers, group presentations and Summit, Missouri., added, “The honor Russell Diesinger, who teaches a free “Leading with Lincoln” DVD fea- and opportunity were exceeded only by U.S. government to 12th graders at turing footage of the past Fellowship the experience at the institute itself. As Reading (Pennsylvania) High School, classes, the library and museum, his- Fellows, we were regarded as profession- expressed his appreciation for being torical sites and testimonials from als and treated to the best. Everyone able to study some of the more rare former Fellows. involved in the institute demonstrated historical documents in the library’s Continued on page 20

19 Military Makeover “The word ‘hero’ is sometimes “USAA’s focus in all of this is to continued from page 11 overused, and Sherman Heathcock help secure their financial future,” said would probably be the first to tell you J.J. Montanaro, a Certified Financial Heathcocks had been working on and he’s no hero, but he is,” said Stuart Planner™ practitioner for USAA. provided them with a new, more secure Parker, president of the USAA Property Montanaro, a retired Army lieuten- home. & Casualty Insurance Group. “In his ant colonel was on-site for the big Heathcock’s dedication to his coun- community, in his unit, and definitely reveal and had a chance to meet the try (he decided to re-enlist after 9/11), with his family, he’s a hero.” Heathcocks the day after they got to see along with his family and community In addition to sponsoring the home their new home and receive additional led ABC to select the Heathcocks from makeover, USAA went above and beyond gifts from the local community. thousands of families. The Heathcocks by paying off the Heathcocks’ mortgage “Now that the family has a new were surprised when the show’s famous and providing money to establish 529 home and a wonderful start, USAA bus arrived in front of their home. Staff college savings accounts for each of their will provide sound advice and guid- Sergeant Heathcock was back for his mid- three children. Because of their dedica- ance. It’s all part of doing the right tour break when the cast and crew arrived tion to the financial security of the thing for the family, which is what we and was able to help his family shout the military community, USAA will be with strive to achieve for the whole mili- show’s mantra: “Move that bus.” the Heathcocks for the long haul. tary community.” n

Life of Lincoln local teacher recognition programs we horacemann.com. The application continued from page 19 sponsor, we’re proud that the education includes a brief essay. An independent community views us as a partner in committee (excluding Horace Mann “It’s especially beneficial to us that support of those who work tirelessly to and ALPLM employees) reviews the educators identify this unique educa- create America’s future.” applications and selects the 50 Fellows. tional experience with Horace Mann,” Educators are encouraged to apply Horace Mann announces each class on said Madden. “Whether it’s through for the annual Fellowship online via its website about one month after the this Fellowship or other national and Horace Mann’s corporate website, www. application deadline. n

Invest a Day ing floors and walls, making minor tives who work to foster economic continued from page 17 repairs and painting. The program has development in the region and provide taken employees to flooded neighbor- leadership for civic, educational and our neighbors in need.” hoods and community gardens. philanthropic initiatives. Another group of Columbus In addition to Invest a Day, State In 1921, State Auto’s founder, employees helped prepare and serve Auto offers a 100 percent match of Bob Pein, declared a simple business meals to drug and alcohol dependent donations of up to $500 to eligible philosophy for the company: the mothers helped by another State Auto charities, an additional 100 percent Golden Rule. Throughout the years, neighbor, Amethyst. match of donations to local United “Doing unto others as you would have “The expressions of joy and thanks Way campaigns (110 percent for new done unto you” has extended to not from these women were well worth employees), and actively encourages only policyholders and claimants, but the one day out of my life to provide a company officers to serve in leadership friends and neighbors in need. small act of kindness,” said employee roles on local non-profit boards. “Invest a Day has enabled us to Carolyn Polston. “It makes it all the That includes State Auto Chairman, renew our commitment to community more enjoyable knowing I work for President and CEO Bob Restrepo, who service in a way that can personally a company that supports me in this serves on the board of the Columbus involve every one of our more than effort.” Chamber of Commerce, the Columbus 2,000 employees,” said Logan. “It’s Eight employees helped ready the College of Art and Design, and is a gratifying — but not surprising — to recently renovated, historic Lincoln member of the Columbus Partnership, see how State Auto employees have Theater for its grand opening by clean- a group of 30 central Ohio chief execu- responded.” n