Product descriptions are not contracts for coverage. | The policy language determines coverage and limits. | P&C products are underwritten by Pharmacists Mutual Insurance Company or its wholly-owned subsidiary, Chiron Insurance Company, except flood, executive liability, surety bonds, and errors and omission insurance policies, which are written through PMC Advantage Insurance Services, Inc. | Personal, Disability, Life, and Annuity products are written through by PMC Advantage Insurance Services, Inc. |.A.M. Best's credit ratings are independent and objective opinion. | All products may not be available in all states and territories.