in the following States:

- Arizona
- California
- Colorado
- Connecticut
- Florida (Life & Disability products only)
- Georgia
- Hawaii
- Idaho
- Illinois
- Iowa
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nevada
- New Mexico
- New York (Life & Disability products only)
- North Carolina
- Oklahoma
- Ohio
- Oregon
- Tennessee
- Texas
- Utah
- Washington
- Wisconsin
- Wyoming