Just three insurers were included in the 2013 Fortune’s “100 Best Companies to Work For” list, one fewer than last year.

Insurers selected for the list include USAA, ranked number 40 and down from number 17 in 2012; Allianz Life Insurance Co. of North America, ranked number 59 and down from number 51; and Aflac Inc., which has made the list for 15 consecutive years, ranked number 87, down from number 77 last year. In 2012, American Fidelity Assurance was ranked number 47, but did not make the list for this year.

Fortune and the Great Place to Work Institute worked together to conduct what they said is “the most extensive employee survey in corporate America.” This year, 259 firms participated in the survey, and more than 277,000 employees at those companies responded to a survey created by the Great Place to Work Institute, a research and consulting firm operating in 45 countries.

The institute's Trust Index survey, which is sent to a random sample of employees from each company, accounts for two-thirds of a company's score and questions their attitudes about management's credibility, job satisfaction and camaraderie.

The institute's Culture Audit includes detailed questions about pay and benefit programs and a series of open-ended questions about hiring practices, methods of internal communication, training, recognition programs, and diversity efforts, accounts for the remaining third. If news that could significantly damage employees' faith in management comes out after evaluations are completed, the institute may exclude it from the list.

Rank       Company Name                                       No. of Employees               Job Growth

40            USAA                                                                 23,390                                      0.1%

59            Allianz Life Insurance Co. of North America      1,776                                         3.9%

84            Aflac Inc.                                                            4,543                                         5.7%

Only companies more than five-years old and with more than 1,000 U.S. employees are eligible. The application deadline for the 2014 list is July 1, 2013.

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