Clientele Limited is a holding company. The Company, through Clientele Life, markets, distributes and underwrites insurance and investment products and invests funds derived therefrom and accounts for Company's earnings and assets. It also provides personal and business lines legal insurance policies underwritten, through Clientele General Insurance. Its segments include long-term insurance, investment contracts, short-term insurance and loans business segments. The long-term insurance segment incorporates the sale and administration of long-term insurance risk policies. The investment contracts segment incorporates the sale and administration of guaranteed income and endowment policies under the long-term insurance license. The short-term insurance segment incorporates the sale and administration of legal advice policies concluded under the short-term insurance license. The loans segment incorporates the sales and administration of unsecured personal loans.