2019 Global Benefits Financing Matrix and Poolable Coverages

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2019 Global benefits financing matrix and poolable coverages Complete listing of the eight global benefits networks and their affiliated insurers across 200 countries 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Afghanistan None None None None None None None None

SIGAL Life UNIQA Albania None None None None Group Austria Life, None None None Albania (L,A,D)

AXA Assurances Salama, Globus Algeria None None Macir Vie None None None Algérie Vie SPA Networks

Andorra None None None None None None None Zurich Spain

Universal Seguros, GA Angola Seguros Angola None None None None None None Globus Network (L,A,D) (L,D,A,M)

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

Allianz Argentina HSBC Seguros Galicia Vida Prudential Seguros La Caja de Seguros Argentina Compañía de Seguros SMG LIFE (L,A,D) de Vida Argentina MetLife Argentina Compañía de Zurich (L,A,D) S.A. (L,A,D) (L,A,D) S.A. (L,A,D) Seguros (L,A,D)

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

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

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

ERGO Versicherung Allianz Elementar Generali (in association UNIQA Österreich Wiener Städtische/ Zuerich Versicherungs- Gothaer Lebensversicherungs/ UNIQA Insurance Austria Versicherung with BONUS Versicherungen Vienna Insurance Aktiengesellschaft Lebensversicherung Allianz Elementar Group (L,A,D,P) (L,A,D,M) Pensionskassen) (L,A,D,M) Group (L,A,D,M,P) (L,A,D) Versicherungs (L,A,D,P) (L,D,P)

Poolable coverages: L = Life A = Accident D = Disability M = Medical P = Pension Copyright © 2019 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 2019. 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 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Ateshgah Life Alfastrakhovanie Azerbaijan Interteach Corporation Insurance/Ateshgah None None None None None (L,A,D) Insurance (L,A,D,M)

Generali Worldwide Bahamas None None None None None None None (L,A,D,M)

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

Bangladesh None None None None None MetLife Bangladesh None None

Pan American Life Pan American Life Pan American Life Sagicor Life Barbados 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)

Belarus None None Ingosstrakh Belarus None None None None None

Allianz Benelux S.A. Generali Belgium AG Insurance AG Insurance Belgium Vivium (L,A,D,P) AXA Belgium (L,A,D,M) NN Goup Vivium (L,A,D) (L,A,D,M,P) (L,A,D,M) (L,A,D,M,P) (L,D,M,P)

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

L'Africaine des Allianz Bénin Saham Assurance SUNU Assurances Benin NSIA None None None Assurances, Vie, Assurances (L,A,D) Vie Bénin (L,A,D, M) Globus Network

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

Bhutan None None None None None None None None

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

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

Bosnia and Zavarovalnica Uniqa Osiguranje None None None None None None Herzegovina Triglav (L,A,D,M) (L,A,D)

2 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Metropolitan Life Botswana None MMI International Hollard Life (L,A,D) None None None None Botswana

Generali Brasil Chubb do Brazil Allianz Seguros/ MAPFRE Vida SA Care Plus (M)/ICATU Icatu Seguros Zurich Minas Brasil Brazil Seguros (L,A,D)/ MetLife Brasil (L,D) (L,A, D) Allianz Saúde (L,A,D) Seguros (L,A,D) (L,A,D) Seguros (L,A,D) Sul America Saúde

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

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

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

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

Garantia, Globus Cabo Verde None None None None None None None Network (L,A,M)

Cambodia None None Generali Life (L,A,D) Manulife Cambodia None None None None

Allianz Cameroun AXA Assurances Assurances/Allianz Saham Life Insurance Cameroun (A,M)/SUNU Cameroon NSIA None None None Activa, Globus Network Cameroun Assurances Cameroon (L,A,D) Assurances IARD Vie, Branch Cameroun (L,D)

Manulife Financial Manufacturers Life Desjardins Financial Industrial Alliance Manulife Financial SSQ Insurance Co. Sun Life Financial Corporation – Great West Life Canada Insurance Company Security Life Assurance Insurance & Financial (L,A,D,M) (L,A,D,M) (L,A,D,M) Canadian Division (L,D,M) (L,D) Company (L,A,D,M) Services (L,A,D,M) (L,A,D,M)

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

3 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Chad None None None None None None None SAAR, Globus Network

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

Taiping Pension Ping An Annuity Ping An Life/Ping An China Life Insurance Allianz China Life Generali China Life Company (L,A,D,M)/ Insurance (L,A,D,M)/ ICBC AXA Life Health/China Life/ China AIA (L,A,D,M) (L,A,D,M) Insurance Insurance (L,A,D,M) Manulife-Sinochem Ping An Health Insurance (L,A,D,M) China Pacific Life Life (L,A,D,M) Insurance (L,A,D,M) Insurance (L,A,D,M)

Pan American Life Allianz Seguros de Vida HDI Seguros de Vida MAPFRE Seguros MetLife Colombia Seguros Bolivar Seguros Bolivar Colombia Insurance Group None (L,A,D,M) (L,A,D,M) de Colombia (L,A,M,D) Seguros de Vida (L,A,D) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Comoros None None None None None None None None

Pan-American Life MAPFRE Seguros Pan-American Life Pan-American Life ASSA Compañía de ASSA Compañía de MAPFRE Seguros Costa Rica Insurance de Costa Costa Rica, S.A. None Insurance de Costa Rica Insurance de Costa Seguros (L,A,D,M) Seguros (L,A,D,M) (L,A,D) Rica (L,A,D,M) (L,A,D) (L,A,D,M) Rica (L,A,D,M)

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

Zavarovalnica Generali Osiguranje Uniqa Osiguranje Uniqa Osiguranje d.d. Croatia Allianz Zagreb d.d. None None None Triglav, d.d. (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M)

Cuba None None None None None None None None

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

4 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Zurich Europe Life Acibadem (L, A) – MetLife Cyprus Cyprus None None None None None Insurance Company Ltd Northern Region (L,A,D,M) Luxemburg (L,A, D)

Generali Pojistovna/ NN Životní pojištonvna NN Životní Uniqa pojistovna a.s. MetLife Czech Republic Kooperativa CZ Czech Republic Allianz pojistovna a.s. Ceska Pojistovna None N.V. (A), Undisclosed pojišťovna (L,A,D) (L,A,D,M) (L,A,D,) (L,A,D,) Partner (L, D, A)

Democratic Republic None None None None None None None None of the Congo

Danica Pension Danica Pension AP Pension PFA Pension Danica Pension Topdanmark Liv Danica Pension/PFA Velliv Liv & Pension/ Denmark (L,D,P) (L,D,P) (L,A,D) (L,D,P) (L,D,P) (L,D,M) Pension (L,D,P) Topdanmark (L,A,D)

Djibouti None None None None None None None None

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

Seguros Universal ARS Universal/ ARS Universal/ MAPFRE BHD Seguros Universal – Seguros Universal/ Dominican Republic – through PALIG Seguros Universal Seguros Universal Compañía de Seguros/ None through PALIG None ARS Universal – through (L,A,D,M) (L,A,D,M) (L,A,D,M) ARS Palic Salud (L,D,M) (L,A,D,M) PALIG (L,A,D,M)

MAPFRE Atlas Pan American Life Pan American Life Pan American Life Ecuador None Generali Ecuador Compañia de None None Insurance Group Insurance Group Insurance Group Seguros S.A.

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

Pan American Life Aseguradora Agricola Aseguradora Pan American Life Pan American Life MAPFRE La Centro MAPFRE La Centro El Salvador Insurance Group Comercial ACSA Agricola Comercial None Insurance Group Insurance Group Americana (L,A,D,M) Americana (L,A,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

L'Africaine des Equatorial Guinea None None None None None None None Assurances Vie, Globus Network

Eritrea None None None None None None None None

5 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Eswatini Metropolitan Life None None None None None None None (formerly Swaziland) Swaziland

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

Fiji None None None None None None None None

Local Tapiola General Mandatum Life Zurich Europe Life Finland None None Mutual/Local Tapiola Mandatum Life (L,D,P) Insurance Company None Ilmarinen Insurance Company Ltd Life Mutual (L,A,D,M) (L,D) Luxemburg (L,A, D)

AXA France Vie/ Swiss Life Malakoff Médéric Allianz France Generali France Groupama Gan Vie AXA France Vie AG2R La Mondiale France Malakoff Médéric Prévoyance et Santé Humanis (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) Courtage (L,D,M) (L,A,D,M)

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

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

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

Gambia None None None None None None None None

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

6 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Generali Allianz Lebensversicherung Lebensversicherungs/ Alte Leipziger Zurich Deutscher Gothaer (L,D)/Generali Gothaer AXA Health Germany Allianz Private Lebensversicherung Swiss Life Germany Herold Germany Lebensversicherung Versicherung Lebensversicherung and AXA Life Germany Krankenversicherungs/ (L,D,P) HALLESCHE (L) Lebensversicherungs (L,D) (A)/Central (L,D) (L,A,D,M) Allianz Versicherungs Krankenversicherung (L,D) Krankenversicherung (L,A,D,P) (M)

Vanguard Assurance SUNU Ghana (Equity Metropolitan Life Ghana None MMI International (L,A,D)/Nationwide None None Assurance Limited Activa, Globus Network Ghana Mutual Health Ins Ghana), (A,M)

Interamerican Allianz Greece NN Hellas Generali Hellas ETHNIKI Hellenic Hellenic Life MetLife Greece Groupama Phoenix Greece Insurance None (L,A,D,M) (L,A,D,M) General (L,A,D,M) Insurance Company (L,A,D,M) (L,A,D,M) S.A.(L,A,D,M,P) (L,A,D,M)

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

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

Guam None None None None None None None None

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

Ugar Activa, LGV, Saham Assurance SUNU Assurances Guinea NSIA None None None None Globus Network Vie (L,A,D) Guinée (L,A,D,M)

Guinea-Bissau NSIA None None None None None None None

Guyana None None None None None None None None

Haiti None None None None None None None None

7 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

FWD General Assicurazioni AIA (L,A,D,M)/ AXA China Region Manulife International AXA Hong Kong Sun Life Hong Kong Hong Kong Insurance Company AIA (L,A,D,M) Generali SpA Zurich Life Insurance (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M) (L,A,D,M) (L,A,D,M)

MetLife Hungary NN Nationale- NN Insurance Allianz Hungaria Generali-Providencia Aegon Hungary Uniqa Biztosító UNION Biztosito Hungary (L,A,D)/Vienna Life Nederlanden Insurance (L,A,D,M) Biztosito Zrt. (L,A,D,M) Biztosito (L,A,D,M) (L,A,D,M) (L,A,D) (L,A,D,M) Hungary (L,A,D,M) (L,A,D)

Iceland None None None None None None None None

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

FWD Life Indonesia Allianz Life Indonesia Generali Indonesia PT. Asuransi Jiwa Allianz Life Indonesia PT Avrist Assurance Indonesia Astra Life AIA (L,A,D,M) (L,A,M) (L,A,D,M) (L,A,D,M) Manulife (L,A,D,M) (L,A,D,M) (L,A,D,M)

Iran None None None None None None None None

Iraq None None None None None None None None

New Ireland Friends First Life Utmost PanEurope Irish Life Assurance Zurich Life Assurance Ireland New Ireland (L D) None Assurance Company Assurance Co. Ltd. Irish Life (L) (L,A,D) (L,D) plc (L,A,D) (L,D) (L,A,D)

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

Società Reale Mutua Zurich Investment Generali Italia UnipolSai Assicurazioni UnipolSai AXA Assicurazioni Apulia Previdenza Italy di Assicurazioni Allianz S.p.A.(L,A,D,M,P) Life Spa (L,D)/Zurich (L,A,D,M) (L,D,P) Unisalute (M) Assicurazioni (L,D) (L,A,D,M) (L,D) (L,A,D,M) Insurance plc (A,M)

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

8 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Middle East Al Nisr Al-Arabi MetLife Jordan Jordan Insurance Jordan None Insurance Co. None None None Insurance Co. Ltd. (L,A,D,M) Company (L,A,D) (L,A,D,M)

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

Jubilee Insurance Jubilee, Globus Kenya None MMI International None None None Metropolitan Kenya (L,A,D) Network (L,A,D,M)

Kiribati None None None None None None None None

SIGAL Life UNIQA Kosovo None None None None Group Austria, None None None Kosovo (L,A,D)

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

Alfastrakhovanie Kyrgyzinstrakh Kyrgyzstan Interteach Corporation None None None None None (L,A,D) (L,A,D,M)

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

ERGO Life Insurance Utmost PanEurope ERGO Life Insurance Latvia SEB Trygg Liv None None None None SE Latvijas filiale (L,A,D) SE (L,A,D) (L,A,D,M)

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

Metropolitan Life Lesotho None MMI International Hollard Life None None None None Lesotho

9 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Libya None None None None None None None None

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

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

La Luxembourgeoise Allianz Life Cardif Lux Vie S.A. Cardif Lux Vie AXA Luxembourg Swiss Life Luxembourg Foyer Vie La Baloise (L,A,D) (L,A,D) Luxembourg S.A. (L,A,D,P) (L,A,D,P) (L,A,D,M) Luxembourg (L,A,D)

AXA China Region AXA Hong Kong Ping An Life Macau None AIA (L,A,D,M,P) None Insurance Company None AIA (L,A,D,M) (L,A,D,M) (L,A,D,M) Limited

Eurolink Insuramce Uniqa Life ad Skopje Macedonia (FYROM) None None None None None None Skopje (L,A,D,M) (L,A,D)

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

Malawi None MMI International None None None None None None

AXA AFFIN General Allianz Life Insurance Great Eastern Life Allianz Malaysia Insurance Berhad & Hong Leong Malaysia None AIA (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

Maldives None None None None None None None None

Allianz Mali Saham Assurance SUNU Assurances Mali NSIA None None None Lafia, Globus Network Assurances (L,A,D) IARD Mali (L,A,M)

Utmost PanEurope AXA Global Healthcare Malta None Citadel Insurance None None None None (L,A,D) (L,A,D,M)

Marshall Islands None None None None None None None None

10 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

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

Mauritius Union International SWAN Life Limited Assurance, La Mauritius None None Assurance Limited None None Eagle Mauritius (L,D) Prudence Life, Globus (L,A,D) Network (L,A,D,M)

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

Allianz México S.A. Seguros Monterey Metlife México S.A. Zurich Vida Compania Grupo Nacional Seguros Monterrey Grupo Nacional Mexico Compañía de Seguros New York Life (L,A,D,M)/AXA Seguros, Seguros Inbursa (M) de Seguros S.A. Provincial (L,A,D,M) New York Life (L,A,D,M) Provincial (L,A,D,M) (L,A,D,P) (L,A,D,M) S.A. de C.V. (L,A,D,M) (L,A,D,M)

Micronesia None None None None None None None None

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

AXA France/Malakoff Swiss Life Malakoff Médéric Allianz France Generali France Groupama Gan Vie AXA France, Monaco AG2R La Mondiale Monaco Médéric Courtage Prévoyance et Santé Humanis (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,D,M) (L,A,D,M)

Mongolia None None None None None None None None

Zavarovalnica Generali Montenegro UNIQA nezivotno Montenegro None None None None None Triglav, d.d. (L,A,D,M) (L,A,D,M) osiguranje (L,A,D)

Wafa Assurance AXA Assurance SAHAM Assurance Morocco Allianz Maroc Saham Assurance None RMA Watanya None Maroc Maroc SA (L,D,M)

Global Alliance Seguros, Mozambique None None Hollard Life (L,A,D) None None None None Globus Network (L,A,D,M)

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

11 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Old Mutual Life MMI Holdings Namibia None MMI International Hollard Life (L,A,D) None None None (L,A,D,P) Namibia

Nauru None None None None None None None None

Nepal None None None None None MetLife Nepal None None

AEGON Utmost PanEurope Schadeverzekering Nationale- Allianz Netherlands a.s.r./De Amersfoortse Nationale- VIVAT Verzekeringen Netherlands – through Heinfeld Achmea (L,A,D,M) NV (D)/AEGON Nederlanden (L,D,P) (L,A,D,P) Insurance (L,D,P) Nederlanden (L,D,P) (L,D,P) Assuradeuren (A) Levensverzekering NV (L)

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

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

Seguros America MAPFRE Seguros Seguros America – Seguros America Seguros America MAPFRE Nicaragua Nicaragua – through PALIG Nicaragua, S.A. None Seguros America through PALIG (L,A,D,M) (L,A,D,M) (L,A,D) (L,D,A M) (L,A,D,M) (L,D,A M)

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

AXA Mansard AXA Mansard UBA Metropolitan Leadway, Globus Nigeria NSIA MMI International None AXA Mansard Insurance Insurance Insurance (L,A,D) Life Insurance Network

North Korea None None None None None None None None

Nordea Liv Norge Danica Pension/DNB DNB Livsforsikring DNB Livsforsikring Nordea Liv Norge, Tryg Norway AS, Tryg Forsikring Livsforsikring ASA Storebrand (L,D,P) Storebrand (L,D,P) Gjensidige (L,A,D,M) (L,A,D) ASA, Danica (L,D) Forsikring A.S. (L,D,A) (L A,D) (L,A,D,P)

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

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

Palau None None None None None None None None

12 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Palestine None None None None None None None None

Pan American Pan American Life Pan American Life Life Insurance ASSA Compañía de ASSA Compañía de MAPFRE Panama, S.A. Sagicor Life MAPFRE Panama, Panama Insurance de Panamá, Insurance de Panamá, de Panamá, S.A. Seguros (L,A,D,M) Seguros (L,A,D,M) (L,A,D,M) (L,A,D,M) S.A. (L,A,D,M) S.A. (L,A,D,M) S.A. (L,A,D,M) (L,A,D,M)

Papua New Guinea None None None None None None None None

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

RIMAC Seguros Pacífico Compañía Pacífico Compañía de RIMAC Seguros y RIMAC Seguros y MAPFRE Perú RIMAC Seguros y Peru y Reaseguros de Seguros y Seguros y Reaseguros None Reaseguros Reaseguros (L,A,D,M) Reaseguros (L,A,D,M) (L,A,D,M) Reaseguros (L,A,D) (L,A,D)

United Coconut Generali Life Asian Life and Pioneer Life/Philam Philippines AXA Life Philippines Planters Life Assurance Insular Life (L,A,D,M) General Assurance First Life (L,A,D,M,) Philam Life (L,A,D,M) Life Insurance (L,A,D) Assurance (L,A) Philippines (L,A,D,M) Corporation (L,A,D)

TU Allianz Życie Aviva Towarzystwo NN Group Poland Generali Życie/ Unum Życie TUiR AXA Życie Towarzystwo Compensa Group ERGO Hestia (L,D), Poland Polska/ TUiR Allianz Ubezpieczen na (L,A,D) Generali (L,A,D,M) (L,A,D,M) Ubezpieczen (L,A,D,M) (L,A,D,M) Uniqa (L,D,A,M) Polska (L,A,D,M,P) Zycie (L,A,D)

Generali Vida, Companhia de Seguros Companhia de Ocidental Seguros Victoria Seguros Tranquilidade Una Seguros Zurich Companhia de Portugal Allianz Portugal Seguros/Generali MetLife Portugal (L,A,D) (L,A) (L,A,D,M) (L,A,D,M) (L,A,D,M) Seguros Vida (L,A,D,) S.A.(L,A,D,M,P) Companhia de Seguros (L,A,D,M)

Pan American Life Prudential Insurance Pan American Life MAPFRE Life Puerto Rico 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 Oman Insurance Allianz Worldwide Oman Insurance Qatar None None (L,A,D,M)/ AXA Gulf Arabia Insurance Company (L,A,D); Company (L,A,D,M) Partners Company (L,A,D,M) Qatar (L,A,D,M) Cigna (M)

Assurances Générale Allianz Congo Republic of the Congo NSIA None None None AGC Congo (L,A,D,M) None du Congo, Globus Assurances Network (L,A,M)

13 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Ingo Life (L,A,D)/ Reso Garantia ERGO Life/Kapital Alfastrakhovanie OJSC IC Allianz/Allianz Russia Ingosstrakh Welbi (L,A,D) ERGO Life (L,A,D) (L,A,D,M)/MetLife Life Insurance ERGO Life (L,A,D) (L,A,D,M) Russia Life (L,A,D,M) Insurance Company Russia (L,A,D,M) Rosgsstrakh (L,A,D)

Radiant (A,M), Globus Rwanda None None None None None None None Network,/Sonar (L,A,M)

Samoa None None None None None None None None

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

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

Allianz Saudi Fransi MetLife Saudi Arabia United Cooperative Arabian Shields (L,A,D) Saudi Arabia None Cooperative Insurance None None None (L,A,D,M) Assurance Company SAICO (M) Company

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

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

Mauritius Union Assurance/La Seychelles 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 Globus Network (L,A,M)

Tokio Marine Life FWD/Prudential/ AXA Insurance AXA Insurance/AIA Great Eastern Life AXA Insurance Singapore Aviva Ltd. (L,D,M) Insurance Singapore Aetna Singapore (M) AIA (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,D,M) (L,A,D,M) (L,A,D,M)

14 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

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

Solomon Islands None None None None None None None None

Somalia None None None None None None None None

Old Mutual Life Capital Alliance Liberty Momentum Life Alexander Forbes Life South Africa Sanlam (L,A,D) Sanlam (L,A,D,P) Hollard Life (L,A,D) Sanlam (L,A,D) (L,A,D,P) Group (L,A,D) (L,A,D) (L,A,D)

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

South Sudan None None None None None None None None

Allianz Compañía de Nationale- Caja de Seguros Vida Caixa/ Seguros y Reaseguros Generali Seguros AXA Spain (L,A,D,M)/ Zurich Vida (L,D,A)/ Spain Nederlanden Sapin Reunidos CASER España S.A. (L,A,D) SegurCaixa Adeslas S.A./Allianz Seguros España (L,A,D,M) MetLife Spain (L,A,D) Cigna (M) (L,A,D) (L,A,D) (L,A,D,M) (L,A,D,P)

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

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

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

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

15 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

Sudan None None None None None None None None

Suriname None None None None None None None None

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

Allianz Suisse Zurich Lebensversicherung- Generali Assurances Lebensversicherungs Swiss Mobiliar Life Gesellschaft AG/Allianz AXA Switzerland Swiss Life/Helsana Switzerland Generales/Helvetia Bâloise (L,D,P) AXA Winterthur (L,A,D) – Gesellschaft (L,A,D)/ (L,D) Suisse Versicherungs- (L,D,P) (L,A,D) (L,A,D) Zurich Versicherungs- Gesellschaft AG Gesellschaft (A,D) (L,A,D,P)

Syria None None None None None None None None

Nan Shan Life Mercuries Life Shin Kong Life China Life Insurance Nan Shan Life TransGlobe Life Taiwan Fubon Life (L,A,D,M) AIA (L,A,D,M) Insurance(L,A,D,M) Insurance/AIA (L,A,M) (L,A,D,M) (L,A,D,M) Insurance (L,A,D,M) (L,A,D,M)

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

Metropolitan Jubilee, Globus Tanzania None none Jubilee (L,A,D) none none None Tanzania Life Network (L,A,D,M) Assurance Company

FWD Life Insurance Allianz Ayudha Generali Life Muang Thai Life FWD Life Insurance Tokio Marine Life Bangkok Life Thailand AIA (L,A,D,M) (L,A,D,M) Assurance (L,A,D,M) (L,A,D,M) Assurance (L,A,D,M) (L,A,D,M) Thailand (L,A,D,M) Assurance (L,A,D,M)

Timor-Leste None none None none none None none None

Allianz Togo Saham Assurance SUNU Assurances Vie Fidelia Assurances, Togo NSIA none none none Assurances Vie (L,A,D) Togo (L,A,D,M) Globus Network

Tonga None none None none none None none None

16 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

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

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

Allianz Yaşam ve AXA Hayat ve Emeklilik Allianz Hayat ve Anadolu Hayat Groupama Emeklilik Acibadem Sigorta Emeklilik (L,P) Allianz A.S & AXA Sigorta Groupama Emeklilik Anadolu Hayat Turkey Emeklilik A.S./Allianz (L,A,D)/Anadolu (L,A,D) Groupama (L,A,D,M) Sigorta A.Ş. (Health) A.S (L,A,D,M)/MetLife et Sigorta (L,A,D,M) Emeklilik (L,A,D) Sigorta A.S. (L,M,P) Sigorta (M) Sigorta (M) (L,A,D,M) Turkey (L,A,D)

Alfastrakhovanie Turkmenistan Interteach Corporation None none none None none None (L,A,D)

Tuvalu None none None none none None none None

Jubilee, Globus Uganda None none Jubilee (L,A,D) none none None none Network (L,A,D,M)

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

Abu Dhabi National United Arab Emirates Oman Insurance Orient Insurance Oman Insurance Union Insurance AXA Gulf (L,A,D,M)/ Dubai Insurance Zurich International Life Insurance Company (UAE) Company (L,A,D,M) Company Company (L,A,D,M) Company (L,D,M) MetLife UAE (L,A,D,M) Company (L,A,D,M) (L,A,D); Cigna (M) (ADNIC) (L,A,D)

Legal & General Assicurazioni Canada Life AXA PPP (M) Canada MetLife UK (L,A,D)/AXA Zurich Corporate Risk United Kingdom (UK) Aviva (L) Assurance Society Generali Spa (L,D)/ Assurance (L,D) Unum (L,D) Life (L,D) PPP Healthcare (M) (L,A,D,)/BUPA (M) (L,D,P) BUPA (M) BUPA UK (M)

UNUM (L,D)/USA Sun Life Financial Prudential Insurance Zurich US Accident United States Tokio Marine HCC The Hartford Life (L,A,D)/United Prudential (L,D) Company of America MetLife US (L,A,D) Aetna & Health (A)/Zurich of America (USA) (M Stop Loss) Insurance Company Healthcare (L,D) American Life Insurance Company (L,D,A)

MAPFRE Uruguay Uruguay None none MAPFRE Uruguay none MetLife Uruguay (L,A,D) none HDI Seguros (L,A,D) (L,A,D)

17 willistowerswatson.com 2019 Global benefits financing matrix and poolable coverages

Zurich Global AIG Global Allianz Global Swiss Life Country Generali GEB IGP Insurope Maxis GBN Employee Benefits Network Benefits Global Solutions Solutions

Number of countries and territory members 105 98 125 67 78 115 78 131

Alfastrakhovanie Interteach Uzbekistan None none none None none None (L,A,D) Corporation

Vanuatu None none None none none None none none

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

Bao Viet Insurance Generali Vietnam BaoViet Insurance BaoViet Insurance Vietnam AIA (L,A,M,P) none FWD (L,A,D,M) AIA (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M) (L,A,D,M)

Yemen None none None none none None none None

Phoenix, Globus Metropolitan Life Zambia None none Hollard Life (L,A,D) none none None Network (A)/ Zambia Professional Life (L,M)

Zimbabwe None none Zimnat (L,A,D) none none None none None

Allianz Worldwide Care AXA Global Healthcare (L,A,D,M)/NEXtCARE AXA Global Healthcare Generali Global (M), AXA Luxembourg, – TPA/Allianz (M) AXA Luxembourg, Global Benefits Zurich Life Insurance Offshore Programs Health (M)/United Life International BUPA Global (M) Global Assistance Life International Group (L,A,D) BUPA none Company Ltd (L,A,D)/ (TCN/Expat) Healthcare Global (L,A,D)/MetLife International/Allianz (L,A,D)/Global Benefits International (M) Cigna (M) (L,A,D) Worldwide Benefits Global Investors/ Group (L,D) (L,A,D,M) PIMCO

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). (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 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.

18 willistowerswatson.com 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 over 40,000 employees serving more than 140 countries. 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.