Love of family and friends created the first insurance policies - workers in dangerous jobs pooled their money to provide for the families of friends who were lost. This was the heartfelt origin of the mutual assurance company. Eventually, these schemes evolved into the complex capital pools and insurance companies we know today. Even though the sophistication of the modern insurance firm is a world of difference from the past, at its heart, these firms continue to protect the weakest among us, provide for our families, support our friends. Our firm intends to create wealth, but not for its own sake. Instead, like workers founding the earliest insurance collectives, we do it to provide for our children and those of our clients. We remember that real people are affected by our actions - and we behave accordingly.