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ACE INA Holdings, a part of ACE Limited, provides insurance and reinsurance products and services through operating subsidiaries for a range of clients throughout the world. ACE Limited offers property, casualty, workers compensation, accident and health insurance products. The company sells its life products through a variety of distribution channels, including agents, independent brokers, banks and telemarketing centers. In addition, it offers consulting services for a variety of protection and hazard topics, including process management, unusual hazards identification and expected loss calculations. ACE Limited works with employers, affinity groups, financial institutions, utilities and vacation travel providers in more than 40 countries to deliver insurance products to their employees, members and customers.