ACE Limited (ACE) is a holding company of the ACE Group of Companies. Its direct and indirect subsidiaries (collectively, the ACE Group of Companies) are a global property and casualty insurance, and reinsurance organization. The Company provides a range of products and services to commercial and individual customers in more than 140 countries. During the year ended December 31, 2008, the Company operated through its four segments: Insurance-North American, Insurance-Overseas General, Global Reinsurance, and Life Insurance and Reinsurance. On April 1, 2008, ACE acquired of Combined Insurance Company of America, and certain of its subsidiaries from Aon Corporation. In September 2009, it announced an operating structure in the United Kingdom and Ireland. The two new business segments are Major Risks and Corporate.