Securities America (www.securitiesamerica.com)
Securities America, based in Omaha, Nebraska, was founded in 1984. They are one of the nation's largest and most successful independent general securities broker-dealers, in part because of the wide range of investment products and services available to representatives and advisors. With more than 1,600 financial professionals nationwide, Securities America delivers suitable financial products, services and financial counsel to their clients. Securities America is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investors Protection Corporation (SIPC). Customer accounts are cleared through National Financial Services LLC and Pershing LLC. The Advisory division of the company (Securities America Advisors Inc.) was founded in 1993 and is an SEC Registered Investment Advisor firm with more than $13 billion in assets under management.
Customer brokerage accounts at Securities America Inc. are carried by Pershing LLC (”Pershing”), member FINRA, NYSE, SIPC, and a subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Pershing is a member of the Securities Investor Protection Corporation® (SIPC®). As a result, securities in brokerage accounts are protected up to $500,000 (of which $250,000 can be for claims for cash awaiting reinvestment). For details, visit sipc.org. In addition, Pershing provides coverage in excess of SIPC limits from certain underwriters at Lloyd’s, in conjunction with another commercial insurance company, for its global customer assets and those of Pershing Securities Limited, its London-based affiliate: an aggregate loss limit of $1 billion for eligible securities across all customer accounts; and a per-customer loss limit of $1.9 million for cash awaiting reinvestment within the aggregate loss limit of $1 billion. The current excess of SIPC coverage is scheduled to expire Dec. 10, 2012. For more information about Lloyd's, please see www.lloyds.com. Neither SPIC nor excess of SIPC coverage protects against loss due to market fluctuation.
 Pershing’s excess of SIPC insurance coverage is provided by certain underwriters at the Lloyd’s insurance market ($950M) and Axis Specialty Europe Ltd. ($50M).
Securities in accounts carried by National Financial Services LLC (NFS) are protected in accordance with the Securities Investor Protection Corporation (SIPC) up to $500,000. The $500,000 total amount of SIPC protection is inclusive of up to $250,000 protection for claims for cash, subject to periodic adjustments for inflation in accordance with terms of the SIPC statute and approval by SIPC’s Board of Directors.
NFS also has arranged for additional protection for cash and covered securities called "excess of SIPC" coverage, from Lloyd’s of London together with other insurers . This additional protection would only be used when SIPC coverage is exhausted. Total aggregate excess of SIPC coverage available through NFS’s excess of SIPC policy is $1 billion. Within NFS’s excess of SIPC coverage, there is no per-account dollar limit on coverage of securities, but there is a per-account limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry. Neither coverage protects against a decline in the market value of securities, nor do they cover other claims for losses incurred while broker-dealers remain in business. Certain securities are not eligible for SIPC or excess of SIPC coverage . For more details on SIPC, or to request a SIPC brochure, visit sipc.org or call 1-202-371-8300.
 Fidelity’s excess of SIPC insurance is provided by Lloyd’s of London together with Axis Specialty Europe Ltd. and Munich Reinsurance Co.
 Among the assets typically not eligible for SIPC or excess of SIPC protection are commodity futures contracts, currency, and precious metals, as well as investment contracts (such as limited partnerships) and fixed annuity contracts that are not registered with the U.S. Securities and Exchange Commission under the Securities Act of 1933.
USAdvisors Insurance (www.usadvisorsinsurance.com)
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