When deciding which company will insure your health, there are many important factors to consider. In addition to a comprehensive benefit schedule and experienced administration there must be the commitment and financial stability of an international insurance company.

You will feel secure with our insurance company partner, Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A+ for claims-paying ability by Standard and Poor's. Sirius International is a wholly owned subsidiary of ABB Financial Services within the ABB Asea Brown Boveri Group. From their roots in 1883, ABB is now a global US$35 billion engineering group with more than 213,000 employees worldwide and 1997 net income of over US$500 million.

Sirius International offers the financial strength and reputation demanded by experienced international consumers. Sirius International is recognized by A.M. Best and Standard and Poor's for its reinsurance expertise and international presence. Sirius International is further noted for its superior capitalization (4.6 times the required level), outstanding solvency ratio (284.2%), excellent operating performance and strong earnings record.

Growing year by year, expanding globally, building upon a solid reputation, remaining stable but never standing still-these characteristics make IMG and Sirius International the partners to choose for your global peace of mind.

ABB and Sirius International provide financial strength,commitment and global presence.