MultiNational Underwriters, Inc. (MNU) was established in 1998. It quickly became a recognized leader in the field of international health insurance, offering a complete portfolio of health and life insurance products to customers in over 130 countries. Sensing the increasing acceptance of the Internet as a medium for commercial transactions, MNU was among the first to make insurance products and services available via the World Wide Web. This innovation has continued to evolve and, at present, MNU customers can review coverage options, obtain quotes, purchase insurance and receive their insurance documents - all electronically, without human intervention, 24 hours a day. In 2002, MNU was purchased by the Travel Guard International group of companies. This unique and progressive organization, with service offices throughout the world, positioned MNU to transform its customer service department to a full travel and international assistance platform. This allowed MNU to enhance and expand its product offerings, and enthusiastically face the challenges of the ever changing global marketplace.