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Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups. As a member-owned, not-for-profit cooperative, we exist solely to bring our membership innovative products and services with low loan rates, competitive dividend rates, and low or no fees. Benefits of membership include free checking, a variety of loan and deposit products, mobile services, financial education and counseling, access to thousands of surcharge-free ATMs, discounts on insurance products, and much more. Our top priority is our members financial success. Members are our shareholders and each member has one vote. In addition, we are governed by a volunteer board of directors who look out for the best interest of members, not stockholders.
LTCG is a leading provider of business process outsourcing for the insurance industry. The nations largest insurers rely on our unparalleled expertise to help manage their complex long-term care portfolios and maximize financial performance. We also provide clients with advanced risk management insight built upon our unique and proprietary long-term care underwriting and claims databases. LTCG has more than 1.4 million long-term care policies currently under its management, representing nearly 20% of all active policies. We serve over 50 national carriers, including every one of the top 10 insurers in the long-term care market. Our experienced management team, which has worked together for years, includes some of the most recognized and respected leaders in the long-term care industry. And our information systems have been developed specifically to support the intricacies of this unique market. To learn more, visit www.ltcg.com
Palmer & Cay is a specialty commercial insurance and employee benefits brokerage and consulting firm. We specialize in industry niches with complex risks and extensive service needs, delivering high value services to clients on a worldwide basis. Our highly synchronized teams bring deep experience and strategic talents to each clients needs. Our focus is on middle market to large corporate clients, delivering Property & Casualty and Employee Benefits consulting & brokerage services, including risk analysis, claims consulting, program design, marketing and administration, and risk control. When losses occur, we surround our clients with intense claim advocacy services. Building upon a culture that was started nearly 150 years ago, we understood then, and today still believe, that people are what make an organization successful. To deliver on our promise to consistently deliver "exceptional client service", we know we have to attract the best, most passionate, and technical people in our business. Combining this fundamental approach with a culture where the client is at the center of everything we do allows us to create extraordinary results for our clients.