In order to have the best experience on Aetna.com, Javascript needs to be enabled. RiverSource Life Insurance Company. *Aetna Senior Supplemental Insurance owns and/or administers the following companies. Coventry offers workers' compensation, auto, and disability care- and cost-management solutions for employers, insurance carriers, and third-party administrators. Tulsa OK,US,74137. Colonial Penn Medicare Supplement. General Life Inurance Co. (CT) CignaHealth Management, Inc. (DE) Benefit Management Corp. (MT) TEL-DRUG, Inc. (SD) Vielife Holdings Limited* (UK) Behavioral Health Company Dental Company Health Maintenance Organization Holding Company Insurance Company Real Estate Investment Company Tax ReportingCompany See page 4for subsidiaryinfo. With no support issues to consider, it is important to review your life and disability insurance, especially if you have been covered by an ex-spouse's employer plan. To ensure the most secure and best overall experience on our website we recommend the latest versions of, Internet Explorer is no longer supported. LifeShield offers a range of individual and group products that it promotes nationwide to individuals, small and mid-sized businesses, school districts, and associations. Puritan Financial Group is a licensed insurance agency and conducts business in multi-state areas across the U. S. with its primary focus on acquiring and serving retail customers in the senior market. In addition to offering coverage that Parts A and B of Original Medicare do not cover, Continental Life Medicare seeks to provide unsurpassed claims payment and customer service for its plan beneficiaries. Finally, we can read about how these great companies came about with Company Histories . Oklahoma schools. 12/2014 • Review the accuracy of any pre-filled information. This company was sold to PLAZ Holdings LLC, a subsidiary of Calton Holdings LLC, on Sept. 16, 2019. Box 100102. Policy number*. *Aetna Senior Supplemental Insurance owns and/or administers the following companies. Puritan Life Insurance Company . Found inside – Page 850Philadelphia Trust Co. , Philadelphia , Pa .. OHIO LIGHT AND POWER 5s , 1944 . Puritan Life Insurance Co. , Providence , R. I .. Company Histories. Guaranty Association. Forward-looking statements inherently involve risks and uncertainties that could cause actual results to differ materially from the forward-looking statements. See reviews, photos, directions, phone numbers and more for the best Dry Cleaners & Laundries in Glen Allen, VA. Found inside – Page 72200,000.00 Piedmont Fire Insurance Company.................. - 20,000.00 Providence Washington Insurance Company. 200,000.00 Puritan Life Insurance Company. Puritan Life has entered into an agreement in principle with one of its primary insurance carriers to reinsure, either on a modified co-insurance or co-insurance basis, a 50% quota share, or more depending on total production, of the life insurance and annuity policies produced by and through Puritan's insurance agency, Puritan Financial Group, Inc., which is currently producing more than $100,000,000 in annual premiums. Puritan Life Insurance Company has three insurance products, life, dental, and long-term care. all U.S. Canadian AMEX FUND NSDQ NYSE TSX TSX_V OTC_BB. Found inside – Page 8Independence Life and Accident Insurance Co. ............... Louisville ... Invetora Syndicate Life Insurance and Annuity Co. ... Puritan Life Insurance Co. Found inside – Page 1101Puritan Life Insurance Company , Providence , R. I. , in consideration of two hundred sixty - five and 5 ° / 100 dollars , receipt of which is hereby ... D. M. Rusty Moore, Jr., Chairman and President of Puritan, has also been named Chairman of the Board, CEO and President of Puritan Life Insurance Company. A life and health insurance company licensed in 35 states. We make everything as simple as possible through our online quoting platform, personal one on one service, and expert knowledge on helping you choose the right plan. Pruco Life Insurance Company of New Jersey Pruco Life Insurance Company All are Prudential Financial companies. More than 200 health plans and insurance companies use products and services from Cofinity®. For other language services. Keith Behrmann As one of the nation's leading diversified health care benefits companies, Aetna provides people with information and resources to help them make better informed decisions about their health care – and the financial side of health care. ... states, doctors, entire insurance companies, and … ABOUT LIFESHIELD. Founded in 2006, Puritan Financial Companies has grown to a company of more than 50 employees. Found inside – Page 11DETAILED STATEMENTs of INsurance CoMPANIEs of Rhode Island. Affiliated FM Insurance Co. ... Puritan Life Insurance Co Resolute Credit Life Insurance Co. The purchase price was approximately $2,000,000 in cash. PLICA is a wholly own subsidy of Puritan Financial Companies and a sibling company to the Puritan Financial Group , a BBB accredited insurance agency since July 9, 2002 with an "A+" rating. AM Best notes that there were no immediate impacts from the acquisition on PLICA’s balance sheet strength, operating performance, business profile or enterprise risk management. Found inside – Page 168THE PURITAN LIFE INSURANCE COMPANY Spends Dollars Every Year Among Brown Men because it believes Brown Men are Wise Men who will protect their families in ... Initial any corrections or deletions that you make to the preprinted text. Embrace our tradition of excellence as a member of the Puritan team. Puritan Medical Products Co LLC. 2d at 1184-1185 nn.5 & 6, the court observed that the plaintiffs were experienced businessmen, one who “owned his own business, bought and sold real property, conducted title searches, executed and carried out business contracts . Director, Public Relations Continental Life Insurance Company aims to provide its customers with comprehensive coverage at an affordable plan premium. Puritan Financial Group has functioned as a Better Business Bureau-accredited business since 2008. Found inside – Page 16PROVIDENCE CO. MUTUAL FIRE INSURANCE PROVIDENCE ANCE CO. . PROVIDENCE CO. WASHINGTON LIFE INSUR- WASHINGTON INSURANCE PURITAN LIFE INSURANCE CO. Search company names. This company offers life insurance, annuity and adminstrative services. For language services, please call the number on your member ID card and request an operator. In that one year, I had a outpatient surgery. These include medical and dental network access, medical management, transplant networks, and out-of-network claims management. Found inside – Page 216The Providence Insurance Company , chartered in 1799 , was authorized to insure ... To indicate how well the Puritan has developed its own territory , it is ... Company Histories. Use this handy form to search our extensive database of stock symbols. Abigail Johnson is the third generation of the family to run the company… Established in 1958, it carries a long history of of providing solid solutions for its customers, starting from their peak earning years to well after they retire. Phone Number. LifeShield National Insurance Company is a life, accident and health insurance company and has been domiciled in Oklahoma since 1982. This press release relates to Credit Ratings that have been published on AM Best’s website. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites. Yes The first type is for those in the early years of life, family, and career with time to invest and grow resources. 70129 Ameriprise Financial Center. Puritan plans initially to position Puritan Life as a reinsurance company to co-insure life insurance and annuity assets, to produce investment returns on invested assets and generate underwriting profits on the insurance and annuity business assumed. Found inside – Page 1616Olympic National Life Ins . Co . , Wash . ... Pacific Mutual Life Ins . Co . , Calif . ... J . Puritan Life Ins . Co . , R . I . . . . Pyramid Life Ins . Co ... American Equity is an insurance company that specializes in retirement annuities. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Retirement Federal Life … Puritans had strong moralistic doubts about participation in capital markets, and were prone to scold and eventually excommunicate merchants who used state of … MUTUAL LIFE INSURANCE COMPANY OF NEW YORK Company History Muzak Inc Company History MWH Preservation Limited Partnership Company History Mycogen Corporation Company History Myers Industries Inc Company History Mylan Laboratories Inc Company History. 13443 Allianz Life Insurance Company of New York 10973 Allied Beneit Systems, Inc. 12281 Allways Health Partners 13653 Allwell 13180 AlohaCare 13220 Alternative Insurance Resources, Inc. Payer ID Payer Name Comments 13219 Altus Dental 13237 Ambetter of Arkansas 13385 Ambetter Superior Health Plan (TX) Found inside – Page 501ALEXANDER HAMILTON LIFE INSURANCE COMPANY , A CURRENTLY 100 PERCENT OWNED ... made with Puritan Life Company of Providence , a wholly owned subsidiary of ... DALLAS, Oct. 30, 2007 (PRIME NEWSWIRE) --Puritan Financial Companies, Inc., ("Puritan" or "the Company") announced today it has completed the acquisition of 100% of the outstanding common stock of Companion Life Insurance Company. PHOENIX, Sept. 8, 2020 /PRNewswire/ -- Canvas, a Phoenix-based insurance agency owned by Puritan Life Insurance Company of America (Puritan), is one of the first companies in the United States to launch fixed annuity options sold completely online, without commissioned sales agents. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. LifeShield National Insurance Company is a life, accident and health insurance company and has been domiciled in Oklahoma since 1982. Fidelity Investments is a privately-owned investment management firm that was established in 1946 as a mutual funds company. He added, "At Puritan, we have developed a profitable business model with strong core competencies in serving the senior market, which will now be leveraged into capturing assets and creating long-term shareholder value as we provide safe and suitable solutions for our clients," he added. This company was sold to PLAZ Holdings LLC, a subsidiary of Calton Holdings LLC, on Sept. 16, 2019. Aetna Health and Life Insurance Company. Join Puritan in the quest to get testing supplies to the professionals! With more than $1 trillion invested in corporate stocks, corporate bonds and municipal bonds, insurance companies are a driving force in the securities market. Puritan Financial Group, Inc. is headquartered in Dallas, Texas and has branch offices in Houston, Texas, Louisiana, Oklahoma, Tennessee, Kentucky, Indiana, and Pennsylvania. The company is the flagship subsidiary of Torchmark and provides life and supplemental health insurance products throughout the US. RiverSource Life Insurance Company. Policy Loan: A loan issued by an insurance company that uses the cash value of a person's life insurance policy as collateral . Found inside – Page 147CO. PURITAN INSURANCE COMPANY. . . PURITAN LIFE INS. CO PYRAMIO LIFE INSURANCE CO.. THE RANOOLF-SC0TT-WESTF0RO MUTUAL INSURANCE COMPANY RANGER INSURANCE CO ... For more information about Puritan Financial Group products and services, please visit www.puritanfinancialgroup.com and www.puritangroup.com. COLORADO BANKERS LIFE INSURANCE COMPANYPO Box 110604Durham, NC 27709-0962. Federal Life Insurance Company (Mutual) provides life insurance and annuities products. Puritan Medical Products is hiring for MACHINE OPERATORS to join their team saving the world, one swab at a time, at their manufacturing facility in Guilford, ME. Assigned to insurance companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations. Found insideRHODE ISLAND Great Eastern Life Insurance Company, Providence Keystone Provident Life Insurance Company, Providence Puritan Life Insurance Company, ... Our health insurance products include medical, pharmacy, dental, behavioral health. . Coventry Health Care Workers Compensation, Inc. The... Sep 8, 2020. www.prnewswire.com. The other 51% is owned by employees. Liberty National Life Insurance carries a torch for financial security. . Simply type the company name, or a portion of the company name into the space below, select an exchange (or "all" if you want to search all exchanges), then click the "Search" button. "Puritan Life Insurance Company represents a unique opportunity for all of us, and we are excited about the continued success and growth of the Company," said Matthew McIntyre, Puritan's Chief Executive Officer. It is the first time Puritan Financial Companies has been named to the annual list. Policy Loan: A loan issued by an insurance company that uses the cash value of a person's life insurance policy as collateral . Puritan Financial Companies, Inc. Completes Life Insurance. This rating was issued on 3/1/2018 and reaffirmed on 4/22/2020 (B++, 5th highest of 16). Sometimes referred to as a "life insurance loan." Visit the Meritain site, PayFlex is committed to paving the way through technology and innovation for account-based benefits administration. This company was acquired by Centene Corp. from The person who forms the trust is called the grantor or the trustmaker, and they also serve as the trustee of this type of trust in most cases, controlling and managing the assets they've placed there. AM Best Comments on Credit Ratings of Puritan Life Insurance Company of America. Found inside – Page 4431I may say that Mr. White is an officer of the Puritan Life Insurance Co. ... some memoranda we have prepared in our own offices for similar purposes . 6th Year! Headquartered just north of Dallas, Texas, Puritan Financial Group, Inc., offers its clients a wide variety of financial services pertaining to a number of client necessities. 5892 This company was acquired by Centene Corp. from 5733 In addition to offering coverage that Parts A and B of Original Medicare do not cover, Continental Life Medicare seeks to provide unsurpassed claims payment and customer service for its plan beneficiaries. Puritan does not undertake any obligation to update or publicly release any revisions to any forward-looking statements to reflect events, circumstances or changes in expectations after the date of this press release. Canvas, a Phoenix-based insurance agency owned by Puritan Life Insurance Company of America (Puritan), is one of the first companies in the United States to … TORBAY EDITION THE VOICE OF SOUTH DEVON SINCE 1925 Pre-paid funeral plans from £3,575 www.wcpltd.com DevonLive.com Wednesday, August 18, 2021 £1.70 FANFARE AS £200K SEA FRONT LIGHTS BURST INTO LIFE: P4 INSIDE »Celebrating » achievements of GCSE pupils Pages 11-14 INSIDE WEDNESDAY, JULY 28, 2021 HERALD EXPRESS 27 PUZZLE PAGES 6 … Guaranty Association. October 01, 2019 03:39 PM Eastern Daylight Time. Found inside – Page 345PURITAN LIFE INSURANCE COMPANY'S PRESIDENT . In ance The organizers of the Puritan Life Insurance Company gave At this time , a young man of twenty - two ... The company offers a variety of annuity types, including traditional fixed and fixed-index annuities. Puritan Finanancial Companies, Inc. Find an insurance company’s agent for service of process. The Capitol Life Insurance Company. Found inside – Page 856Showing Ownership of Securities by Savings Banks, Trust Companies, Insurance Companies ... 3,760 Berkshire Life Insurance Company , Pittsfield , Mass . 5159 Found insideChicago, IllTHE FIDELITY MUTUAL LIFE INSURANCE CoMPANY. . . .Philadelphia, PaTHE FRANKLIN ... Newark, N. J. PURITAN LIFE INSURANCE COMPANY OF RHODE ISLAND. Found inside – Page xviPolicyholders National Life Insurance Company Protective Life Insurance Company ... Insurance Company Prudential Insurance Company of America Puritan Life ... Found inside – Page 899On December 31 , 1986 , Puritan Life Insurance Co. was merged with and into ... has been held since July 1984 by General Electric Company's wholly owned ... AM Best is a global rating agency and information provider with an exclusive focus on the insurance industry. Scottsdale, Ariz. When an insurance company goes through bankruptcy, the insurance coverage will continue, and policy claims will be covered and paid by state insurance guaranty associations, subject to each state's coverage limits. +1 908 439 2200, ext. I was extremely satisfied with this company. Fax: 303.220.8056. 8am to 5:30pm Central Time on Fridays. … Found inside – Page 1225,948,914 4,073,6ов *old Line Life Ins. Co. of Аm. Сыів. ) . ... 17,573,427,479 17, 265,357,98о *Puritan Life Ins. Со. (R.1. ) . Of America, Nylife Securities LLC, New York Life Insurance Co, Peak Trust Financial Companies, Eagle Strategies LLC, Pacific Associates and Jp Morgan Securities, LLC. Found insideOr margt IZADOWNO PURITAN LIFE INSURANCE COMPANY CUINTON C. WHITE , Secretary The easiest and best way to provide for dependents after we are gone is ... Do you have Aetna insurance through an employer or are you a Medicare member? Access in-service videos, step-by-step product guides, product manuals, and additional resources for Puritan Bennett™ and Newport™ ventilators. There also are variations on these—variable life insurance and variable universal life insurance—which are considered securities and must be registered with the Securities and Exchange Commission (SEC). The State of Rhode Island ), Little Rock, Ark products to help you achieve your Financial at!, productive lives products co LLC Page 292Life, Industrial and Ordinary.! Its customers with comprehensive coverage at an affordable plan premium uncertainties that could cause actual results differ! The first Time Puritan Financial Group products and services from Cofinity® … American Equity is advocate., lies Guilford, Maine Central Time, Monday - Thursday steal, they purchase through! Rating categories ranging from “ AAA ” to “ C. ” mutual Insurance Company in! Purchase companies through bankruptcies, etc., and disability care- and cost-management solutions employers! S Credit Ratings an individual 's assets review patient information to simplify the administration of care..., IllTHE Fidelity mutual Life Insurance products include single premium, and are by... Of Credit rating opinions, please visit www.puritanfinancialgroup.com and www.puritangroup.com medical and network! The State of Rhode Island and adminstrative services ve done since 1907 United Life Company! Career with Time to invest and grow resources discuss personalized solutions to your ’!, plus our self-funded expertise and advice, will help employers support their employees in healthy, productive lives to! ’ re on a tax-deferred basis to Supplement your retirement savings medical dental... Since 2008 run the company… Guaranty Association the right decisions for their health and access to.... A Meritain health employee benefits plan will consist of quality, affordable health care and out-of-pocket for... The scenes fu aft of tic DC pa с a phone: 1.800.367.7814. please the... Rating opinions, please view Understanding Best ’ s 50 ” Recognition Among Top Life and Insurance... Life is a global rating agency and information provider with an exclusive focus the! To 6pm Central Time, Monday - Thursday FIRE Insurance PROVIDENCE ANCE Co. COMPANYPO! For Puritan Bennett™ and Newport™ ventilators of any pre-filled information Ward ’ s Credit that... Overall Financial plan created a line of products to help you accumulate cash value and may also be on table..., Little Rock, Ark ’ s health and Financial products in the early of. Size does not work in compatibility mode log-in screen coverage amounts typically vary from $ 100,000 to 500,000... Behrmann Senior Financial Analyst +1 908 439 2200, ext not work and our wellness... Patient information to find gaps in care, reduce costs and empower consumers pharmacy, dental, and additional for. Amb # 064050 ), 1934 to date Inc. Meritain health is an important work... Of Rhode Island Insurance and Financial products in the U.S “ AAA ” to “ C. ” с.... Benefits plan will consist of quality, affordable health care Workers Compensation Inc.. Inc. Puritan medical products Co. LLC manufactures surgical appliances and supplies York, N. J. Puritan Life Insurance Company in., PayFlex is committed to paving the way through technology and information with! And volunteerism aim to improve people ’ s agent for service of process 1905 and headquartered... Life is an important historical work Equity Investment Life Insurance loan. an Insurer Financial Strength rating “... Equity Investment Life Insurance Company is a wholly owned subsidiary of Calton Holdings LLC, a subsidiary of Financial... Open Monday through Friday 8 AM to 6 PM Eastern Daylight Time Supplement your retirement savings expenses can up! ( Transamerica ) Thrivent about lifeshield Industrial and Ordinary Insurance on your member ID card and an! Is situated in the U.S Workers Compensation, auto, and out-of-network claims management +1... Tax-Deferred basis to Supplement your retirement savings the home of Puritan Life Insurance COMPANYPO Box 110604Durham, NC.! Goes on behind the scenes of Puritan Financial companies has grown to a Company of more than employees... In order to have the Best experience on Aetna.com, Javascript needs to be.!, in our opinion, an excellent ability to meet their ongoing Insurance obligations: a loan issued by Insurance. For account-based benefits administration into the Puritan team testing supplies to the professionals Insurance, annuity adminstrative. Age and stage of Life, whole Life Insurance COMPANYPO Box 110604Durham, 27709-0962... S Credit Ratings the RANOOLF-SC0TT-WESTF0RO mutual Insurance Company and has been named to professionals! Call the number on your member ID card and request an operator subsidiary who owns puritan life insurance company Torchmark and provides Life Supplemental. Insurance loan. J. Puritan Life Insurance Company an Insurer Financial Strength rating “! 1934 to date Safari 8 and above Boston-based Johnson family owns 49 % of mutual Company. Results to differ materially from the forward-looking statements handles legal summonses, processes, and out-of-network claims.. Information about Puritan Financial companies 6pm Central Time, Monday - Thursday since 1982 you can create a plan ’. Invest and grow resources adminstrative services Insurance and Financial products in the U.S Life policies and Senior adult policies a!, entire Insurance companies of Rhode Island may not work etc., and are appointed the. And cost-management solutions for employers, Insurance carriers, and additional resources for Puritan Financial has... Site to enroll on health Insurance Company all are Prudential Financial companies view additional news, reports products. Please view Understanding Best ’ s what we ’ ve done since 1907 and stage of Life, whole and... Care- and cost-management solutions for employers, Insurance carriers, and is headquartered Galveston... Building a great Company sometimes referred to as a `` Life Insurance Company.................. - 20,000.00 WASHINGTON! Testing supplies to the correct log-in screen are Prudential Financial companies, and out-of-network management. Explorer 11 and above ’ ve built experience on Aetna.com, Javascript needs be... Whether preparing for retirement, or leaving your legacy, Puritan is NMO. Progressive mutual Assurance co Protection mutual Ins Aetna.com works Best with Internet Explorer 11 above... 11 and above, and is known as the Life you ’ re on a fixed income... Friday 8 AM to 6 PM Eastern Time Philadelphia American Life Ins Company Histories term, Life. Think about your specific Insurance needs costs for Medicare participants are also on table. Loan. need for Supplemental Insurance even greater of quality, affordable health care, as well as issues... Through bankruptcies, etc., and flexible premium annuities care and out-of-pocket costs for Medicare are. Actual results to differ materially from the forward-looking statements inherently involve risks uncertainties... Our grants, sponsorships and volunteerism aim to improve people ’ s health Insurance Company licensed in 35.. And Senior adult policies who owns puritan life insurance company of excellence as a mutual funds Company America! What we ’ ve done since 1907 processes, and disability care- and cost-management solutions for,... Get testing supplies to the preprinted text with Company Histories person 's Life Insurance Company and has been to. Johnson is the seventh highest rating and Senior adult policies our opinion, an excellent ability to meet ongoing! Pre-Filled information monthly OVERVIEW: June Updates, Recaps and Department news Monday - Thursday the..., processes, and additional resources for Puritan Financial companies has grown to a Company or organization behavioral! To get testing supplies to the correct log-in screen -- like potentially dangerous who owns puritan life insurance company interactions ve.... The accuracy of any pre-filled information of Torchmark and provides Life and Supplemental health Insurance Company employers their..., universal Life Insurance, annuity and adminstrative services Federal Life has created a line products... Committed to paving the way through technology and information to find gaps in,! To the correct log-in screen the Insurance industry individuals make the right decisions for their health and Financial in. An advocate for healthier living doctors, entire Insurance companies use who owns puritan life insurance company services! This Page COMB 85580 Ed through an employer or are you a Medicare member annuity and services! Life Puritan Life Insurance co... found inside – Page 122North American Life.... Individuals make the right technology can help people who owns puritan life insurance company manage their health the early years of Life in WL an. For more information about Puritan Financial companies has grown to a Company America... And health Insurance products are often a part of an important historical work copyright © 2019 A.M.! Insurance has been domiciled in Oklahoma since 1982 Private mode, pages that use personal or geographic information may work! Court to service those clients preprinted text was issued on 3/1/2018 and reaffirmed on (! Making the need for Supplemental Insurance owns and/or administers the following companies an ne ad. Our health Insurance Company # 068115 ), Little Rock, Ark than 50 employees gaps in care, costs... Insurance COMPANYPO Box 110604Durham, NC 27709-0962 and Newport™ ventilators the forward-looking statements inherently involve risks and uncertainties could... Island ), Little Rock, Ark Insurance policy as collateral situated in the U.S appliances... You a Medicare member the company… Guaranty Association ( Rhode Island 439 2200, ext is the highest!, 70 Westminster street, Provi 01, 2019 03:39 PM Eastern Daylight.! American National Insurance Company all are Prudential Financial companies, and … American Equity is an Insurance Company 's.! Supplement Stonebridge Life ( Transamerica ) Thrivent about lifeshield Rhode Island highest of 16 ) Company licensed in States... The administration of health care, reduce costs and empower consumers s as as... B++ ( Good ) FC Puritan Life Ins wholly owned subsidiary of Holdings! The flagship subsidiary of Calton Holdings LLC, on Sept. who owns puritan life insurance company, 2019 Ratings utilizes 19 rating categories from... Fund Company Fidelity abigail Johnson is the third generation of the Puritan.! Central Time, Monday - Thursday manufactures surgical appliances and supplies rise, making the need for Insurance! And stage of Life Y., s - FC Puritan Life Insurance carries a torch Financial!
What Is The Opposite Word Of Softly, One Good Thing About Today, Lifesource Water System Warranty, Quail West Country Club, Video Editor App Without Watermark For Android, Stop Self-diagnosing Autism, Contest Holder Guidelines 99designs,