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ACE Limited, through its subsidiaries, provides a range of insurance and reinsurance products to commercial and individual customers worldwide. The company operates through four segments: Insurance?North American, Insurance?Overseas General, Global Reinsurance, and Life. The Insurance?North American segment provides general, excess, automobile, and medical liability; property, workers? compensation, commercial marine, professional, aerospace, and accident and health coverage; claims and risk management products and services; and medical managed care, integrated disability, and pre-loss control services, as well as salvage and subrogation and health care recovery services. The Insurance?Overseas General segment writes various insurance solutions, including property and casualty, professional lines, marine, energy, aviation, political risk, specialty consumer-oriented products, and accident and health. The Global Reinsurance segment provides property catastrophe reinsurance to commercial and personal property insurers; proportional property and per risk excess of loss treaty reinsurance; and traditional and specialty property, casualty, marine, aviation, and medical malpractice reinsurance. The Life segment offers protection and savings products, including whole life, endowment plans, individual term life, group term life, group medical, personal accident, universal life, and unit linked contracts. ACE Limited distributes its insurance products through retail brokers, as well as through channels, such as general agents, independent agents, managing general agents, managing general underwriters, alliances, affinity groups, and direct marketing operations. The company was founded in 1985 and is headquartered in Zurich, Switzerland.