Partnerships Mergers and Acquisitions 1989 New York State Licensed 1991 Equitable/AXA 1993 Guardian/PHCS/Mt. Sinai 1994 CZ Finance Ministry/VZP 1995 Travelers/MetLife/MetraHealth 1996 Aetna/USHealthCare 2001 Cigna International 2002 Sirius/Lloyds 2004 Oxford/UHC 2005 PacifiCare Health Systems 2005 CNB Licensed 2009 pVZP/Munich re 2012 AARP/UHC/Medicare 2015 MetLife Europe 2015 LifeInsuranceAbroad.com,VZPforForeigners.cz by CompuCore,our own in-house, Life and Health Insurance software and web development division 2018 Lincoln/Transamerica 2020 Pacific Cross 2020 CZ Interior Ministry