AFP Habitat is a Pension Fund Administrator Service that was founded in 1981, during the onset of the Chilean Private Pension Funds System. AFP Habitat is grounded on the same solid principles and values that govern all entities formed by the Chilean Construction Chamber.
Habitat belongs to the service industry, and as such, its activities are completely people-oriented. For the last 30 years we have strived at providing our services in such a way that they are efficient, friendly and timely. This endeavor stems from our company mission, which has been a guiding principle from our early beginnings: We want to improve our client's standard of living, offering them a retirement pension service of excellence.
We want Chile to be a country in which people will look at their retirement with optimism; where the effort of saving is valued.
"Founded in 1879, the Principal Financial Group® (The Principal®) is a global investment management leader.
The Principal offers businesses, individuals and institutional clients a wide range of financial products and services, including retirement, asset management and insurance, through its diverse family of financial services companies.
A member of the FORTUNE 500®, the Principal Financial Group has $483.2 billion in assets under management and serves some 19.4 million customers worldwide from offices in 18 countries throughout Asia, Australia, Europe, Latin America and North America. The Principal Financial Group, Inc. is traded on the New York Stock Exchange under the ticker symbol PFG".
Prudential Financial, Inc. (NYSE: PRU), a financial services leader with more than $1 trillion of assets under management as of March 31, 2014, has operations in the United States, Asia, Europe, and Latin America. The Prudential Insurance Company of America and Prudential Retirement Insurance and Annuity Company, both wholly owned subsidiaries of Prudential Financial, Inc. have assets of $296.6 billion and $78 billion each, liabilities of $287.3 and $77.1 billion each, and capital and surplus of $9.4 billion and $0.9 billion each.
Prudential's diverse and talented employees are committed to helping individual and institutional customers grow and protect their wealth through a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds, and investment management. In the U.S., Prudential's iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century.
• Serves individual and institutional clients worldwide through a variety of channels, including one of the largest proprietary distribution forces in the industry.
• Has approximately 47,000 (as of December 31, 2013) employees and sales associates in 41 countries and territories (we are known as Pramerica in some non-U.S. markets).
• Conducts its Principal businesses through three divisions: the U.S. Retirement Solutions and Investment Management division, the U.S. Individual Life and Group Insurance division, and the International Insurance division.
The Prudential Insurance Company of America (PICA) and Prudential Retirement Insurance and Annuity Company (PRIAC), both wholly owned subsidiaries of Prudential, are leading the way in helping all types of defined benefit plans create a clear path to pension de-risking - regardless of their plan size or funded status. PICA's and PRIAC's risk transfer solutions combine its core strengths in retirement, insurance and asset management. In addition, PRIAC provides longevity reinsurance to insurers in the United Kingdom. These strategies transfer longevity risk to Prudential in exchange for reinsurance premiums, and deliver the flexibility U.K. insurers need, along with the added security their clients demand.
Information for PRIAC is as of 12/31/2013.
Prudential Financial, Inc. of the United States is not affiliated with Prudential plc, which is headquartered in the United Kingdom. Insurance products are issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, or The Prudential Insurance Company of America (PICA), Newark, NJ. Both are Prudential Financial companies. Each company is solely responsible for its financial condition and contracual obligations. PRIAC and PICA provide insurance products for US pension plans but are not authorized to provide insurance products for UK pension plans. Neither PRIAC or PICA nor Prudential Retirement are authorized or regulated by the UK Financial Services Authority (FSA) not any other regulatory bodies of European Economic Area (EEA). They do not offer insurance or reinsurance in the UK nor in the EEA. PRIAC does provide reinsurance in the US to UK insurance companies that have acquired UK pension risks through transactions with UK plan sponsors. PRIAC is not authorized or regulated by the Office of Superintendent of Financial Institutions for Canada or by the Financial Services Commission of Ontario.
Guarantees are based on the claims-paying ability of the issuing insurer and are subject to certain limitations, terms and conditions.
© 2014 Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.
Société Générale is one of the largest European financial services groups. Based on a diversified universal banking model, the Group strives to combine financial solidity with a strategy of sustainable growth, and aims to be the reference for relationship banking, recognized in its markets, close to clients, and chosen for the quality and commitment of its teams. Around 160,000 employees, based in 77 countries, accompany more than 33 million clients throughout the world on a daily basis. SG Americas Securities, LLC is a wholly-owned subsidiary of Société Générale. Société Générale is headquartered in Paris and rated A, A and A2 by Standard & Poor's, Fitch and Moody's Investor Services, respectively (as of December 31, 2013).
SG CIB's Global Markets Division has been active in the U.S. since the early 1990s. The newly-created Cross-Asset Solutions Group ("SOL"), part of the Global Markets Division of SG CIB, is an integrated multi-asset market solutions provider. SOL offers customized solutions to a wide variety of clients, based on a comprehensive range of underlyings (equities, commodities, interest rates, currencies, credit, hidden assets, hedge funds, mutual funds, and multi-asset/hybrid products).
Through the use of derivatives, combined with a dedicated approach to its clients, the Cross-Asset Solutions Group works closely with institutional investors, family offices and funds of hedge funds to tailor solutions that reflect their specific risk/reward appetites. The department offers a full range of financial solutions, including: principal protected notes, leverage/credit facilities, portable alpha structures, hidden assets and hedge fund exposures.
Société Générale was named "Best Global Structured Product House" in 2012 by Euromoney and rewarded "Deal of the Year, Institutional - Americas" in 2014 by Structured Products Magazine. SG has also been voted "Equity Derivatives House of the Year" a total of 16 times between 2000 and 2014 by IFR, Risk Magazine and The Banker, recognizing our position as one of the true global leaders in the industry.
The Society of Actuaries (SOA) is the largest global professional actuarial organization. With unmatched research and education, and almost 25,000 of the highest skilled actuarial professionals, we prepare the individuals trusted to drive better business decisions and promote financial security in an ever-changing world. With an uncompromising emphasis on strength and quality of curriculum, the SOA provides a full range of rigorous pathways and distinguished credentials that are marks of distinction around the globe.
The SOA offers the distinguished and world recognized Fellow and Associate of the Society of Actuaries - also known as FSA and ASA - credentials. It offers specialty tracks in all areas of practice on the pathway to Fellowship: Corporate Finance and ERM; Quantitative Finance and Investment; Individual Life and Annuities; Retirement Benefits; Group and Health; and General Insurance. In addition, the SOA offers the Chartered Enterprise Risk Analyst (CERA) credential, which is the most comprehensive and rigorous demonstration of enterprise risk management (ERM) expertise available.
Working to advance actuarial knowledge across disciplines, the SOA conducts various events and professional development opportunities to ensure excellence in its actuaries' work in providing expert advice and relevant solutions for financial, business and societal problems. For more information, please visit www.soa.org/impact
The Insurers Association of Chile's mission is to promote the sustained growth of the insurance industry, strengthening the position of insurance as the foundation of development, representing industry and providing a valid and reliable technical point of view. Our organization seeks to promote the development of the insurance industry within Chile and, at the same time be the entity that represents it, with a recognized and respected opinion.