ACE is a holding company. Through its direct and indirect subsidiaries, Co. is an insurance and reinsurance organization, serving commercial and individual customers in more than 170 countries. Co. serves the property and casualty insurance and reinsurance needs of businesses in a range of industries. Co also provides insurance products such as personal accident, supplemental health, and life insurance to individuals in select countries. As of Dec 31 2011, Co. had four segments: Insurance - North American; Insurance - Overseas General; Global Reinsurance; and Life.
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