When deciding which company will insure your international benefit program, 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 underwriting partner. 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.