GWI takes pride in the carriers that we represent.
Our carriers provide financial security along with an innovative approach to risk transfer and product distribution. Utilizing a Managing General Agency/Underwriter model, our various carriers have contracted with GWI to provide an array of services on their behalf. GWI has partnered with the following companies to provide insurance products that are both innovative and competitive.

Medical Stop Loss

Boston Mutual Life Insurance Company, Canton, MA

Boston Mutual Life Insurance Company prides itself on its financial strength and quality products delivered with a strong commitment to service and excellence for its policyholders and sales partners. For over 100 years, Boston Mutual has stood the test of time through wars and depression providing financial security to over one million policyholders.

Available group products include Basic and Voluntary Life, AD&D, Short and Long Term Disability, Dental and Excess Loss (state variations may apply). All products offer cost-effective rating and competitive commissions.

QBE INSURANCE CORPORATION, Philadelphia, PA

QBE the Americas is a member of the QBE Insurance Group, one of Australia's largest insurance/reinsurance organizations. Founded in 1886, the Group has over 6,700 employees worldwide with operations in over 38 countries.The Group's assets are in excess of AUD$20.5 billion and gross written premiums exceed AUD$8.35 billion as of 12/31/03. The QBE name is derived from the first letter of each of the principal purchased or merged with companies.

Queensland Insurance Corporation
Bankers and Traders Insurance Corporation
Equitable Probate and General Insurance Corporation

QBE the Americas has three companies writing business in the United States:

QBE Reinsurance Corp (USA) writing reinsurance throughout the Americas
QBE Insurance Corp (USA) writing primary insurance in the US.
QBE Specialty Corp (USA) our newly formed surplus lines company.

QBE Reinsurance Corp. is licensed, approved and/or accredited to transact business in fifty States and the District of Columbia. QBE Insurance Corp. is admitted in fifty states and the District of Columbia.

Together these entities make QBE the Americas a financially strong and dynamic partner within the insurance market. QBE has been writing Employer Stop Loss business in the Americas since 1986 and have grown in that market significantly over the last four years. We maintain a very strong reputation in the Employer Stop Loss arena as one of the leaders in that market writing both insurance and reinsurance.

Personal Accident and Occupational Accident

ACE AMERICAN INSURANCE COMPANY

Headquartered in Bermuda since its inception in 1985, ACE USA was created to satisfy a market need for excess liability and excess directors & officers insurance. Through its strategic acquisitions and entry into the global accident and health market, ACE USA now does business in 50 countries around world with underwriting programs tracing their history back to 1792.

As an organization dedicated to providing client, shareholder and employee value, ACE USA fosters an environment of professional excellence that enables its employees in delivering the ACE USA promise to be creative, agile, innovative and ethical in meeting the needs of their customers and producers.

The ACE Group of Companies is one of the world's leading providers of insurance and reinsurance. ACE USA is the US-based operating division of the ACE Group of Companies, headed by ACE Limited (NYSE: ACE). ACE USA provides insurance products and services through the U.S. operating subsidiaries and globally, through ACE USA global subsidiaries. ACE USA is among the top 25 largest property/casualty groups in the world, ranked by total assets, per BEST'S REVIEW June 2003.

ACE USA Accident & Health is the U.S. based operating division of the ACE Group of Companies, headed by ACE Ltd. Insurance products and services are provided by ACE USA insurance underwriting companies and not by the parent company itself.

TABLE OF RATING AND FINANCIAL SIZE

Carrier	Rating		Description
Boston Mutual	A.M. Best	A-	Excellent
QBE Ins. Corp.	A.M. Best	A	Excellent
	Standard & Poors	A+	Strong
	Moody's	A3
Ace American	A.M. Best	A	Excellent
	Standard & Poors	A+	Strong
	Moody's	A2