The Principal Financial Group, the Ohio Casualty Group and Aetna. Service: Howard W. Phillips & Company offers life, disability, long-term care, auto and personal watercraft insurance plans, as well as fiduciary and surety bonds. The company also

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underwriting services to clients in the life and health insurance industries. The agency offers life settlement, annuity third-party administrators. In addition, the agency provides assistance with the development of underwriting programs. It performs underwriting audits for life and long-term care portfolios.