Their premiums are typically about 150 percent of what a standard-risk premium in the private market would cost.

There's very little out there beyond COBRA, the private market and the state programs for kids. The biggest problem for the unemployed is not whether there are venues available -- it's just that they're too costly.

People who lose their income and don't have any other coverage may be able to find public sources of health insurance for their kids.

There is always some residual risk that something could go wrong on return, but we think that is very low at the moment.

Their smaller size gives them less diversification, less geographic spread. So you have a little bit more risk with them. Those companies are about $16 billion market cap companies, whereas BP Amoco is a $200 billion company. So you can compare BP Amoco to a GE in terms of its size and diversification.

As a global leader in risk management services, combining our North American divisions and integrating our products across all lines of business further enhances our ability to provide even greater quality service and drive growth. Our customers will notice that the options and services available to them have been enhanced and that the new structure will provide access to all services from a single entry point.