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Distribution


We distribute our insurance and managed care products through both a career agency system and a traditional independent general agency system.

Our career agents exclusively sell our products through Pennsylvania Life and Pyramid Life. The cornerstone of our career agency initiative is our trade-marked Senior Solutions®, a comprehensive branding program that embodies our commitment to the senior market and provides our agents with the tools and products they need to succeed.

Independent general agents sell for American Exchange, American Pioneer, American Progressive, Constitution Life, Marquette National and Union Bankers.

Through our insurance company subsidiaries, we are licensed to sell life and accident & health insurance and annuities in all 50 states, the District of Columbia and Puerto Rico.

The Medicare Advantage HMO products offered by our subsidiary, Heritage Health Systems Inc., are distributed directly to consumers through a full-time employee sales force, our Senior Solutions career agents and independent brokers.


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