Ceres Group, Inc., through its insurance subsidiaries, provides a number of health and life insurance products through two primary business segments. The Companys senior segment includes senior health, life and annuity products for Americans 55 years old and older. The medical segment includes catastrophic and comprehensive major medical health insurance for individuals, families, associations and small businesses. Ceres health and life insurance products protect individuals, families, associations and small employer groups during the years up to retirement, while its Medicare supplement, long-term care, home healthcare and senior life products provide ongoing coverage for senior Americans. To help control medical costs, it also provides medical cost management services to its insureds.